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미국 예보공사가 공표한 미국 은행파산 실태 경제 이야기 |
미국 연방 예금 보험 공사
미국의 은행이 안전하다고요? 글쎄요..
그럼 한국의 은행보다는 안전할거라구요?
그건 더욱 아니지요.
왜냐하면 미국 예보공사가 공시한 은행파산 리스트가 즐비하니까요.
금년중 파산 은행이 현재 스코어 40개 은행이 공시되어있는데요
얼마나 더 나올런지 모른다는 것입니다.
이것은 기록적 파산입니다.
미국에 사는 분들 정말 조심해야겠습니다.
언제 소중한 재산이 묶여서 찾지 못할는지 모르니까요.
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미국연방예금보험공사
美國聯邦預金保險公社
Federal Deposit Insurance Corporation(FDIC)
미국의 연방준비법(1933)에 따라 설립한 독립적인 정부 기업체.
가맹은행들의 도산으로 인한 은행예치금의 손실액을 보상해주고
특정 금융관행을 규제하는 역할을 한다.
1933년초 금융체계의 붕락사태(崩落事態) 이후
예금주들의 손실액을 보상해주려던 정부계획이 효과를 거두지
못하자 미국정부에 의해 설립되었다.
FDIC의 수입은 가맹은행에게 부과한 납입금과 투자를 통해 얻어진다.
가맹은행들의 납입금은 각 은행들의 평균 예금수신고에 기초해서 결정된다.
또 각 은행들의 연간총납입금 중에서 공사의 지출과 손비를 공제한
나머지 금액의 2/3까지는 각 은행의 납입금 규모에 비례해 신용대출한다.
연방예금보험공사는 가맹은행의 예금구좌에 대해 일정 한도액까지
지불을 보장하며, 아직 한번도 사용한 적은 없으나
미국 재무부로부터 최고 30억 달러까지 대출받을
수 있는 자격을 갖추고 있다.
http://preview.britannica.co.kr/bol/topic.asp?article_id=b08m1305a
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FDIC Bank Failures in Brief for 2012 - The Goof Tines Are A Rolling YE HA
The list of Bank Failures in Brief is updated through September 7, 2012. Please address questions on this subject to the Customer Service Hotline (Telephone: 1-888-206-4662).
September - #1
First Commercial Bank, Bloomington, MN with approximately $215.9 million in total assets and $206.8 million in total deposits was closed. Republic Bank & Trust Company, Louisville, KY has agreed to assume all deposits.
(PR-104-2012)
August - #1
Waukegan Savings Bank, Waukegan, IL with approximately $88.9 million in total assets and $77.5 million in total deposits was closed. First Midwest Bank has agreed to assume all deposits.
(PR-090-2012)
July - #7
Jasper Banking Company, Jasper, GA with approximately $216.7 million in total assets and $213.1 million in total deposits was closed. Stearns Bank National Association (N.A.) has agreed to assume all deposits excluding certain brokered deposits.
(PR-089-2012)
Second Federal Savings and Loan Association of Chicago, Chicago, IL with approximately $199.1 million in total assets and $175.9 million in total deposits was closed. Hinsdale Bank & Trust Company has agreed to assume all deposits.
(PR-086-2012)
Heartland Bank, Leawood, KS with approximately $110.0 million in total assets and $102.6 million in total deposits was closed. Metcalf Bank has agreed to assume all deposits.
(PR-085-2012)
First Cherokee State Bank, Woodstock, GA with approximately $222.7 million in total assets and $193.3 million in total deposits was closed. Community & Southern Bank has agreed to assume all deposits.
(PR-084-2012)
Georgia Trust Bank, Buford, GA with approximately $119.8 million in total assets and $117.4 million in total deposits was closed. Community & Southern Bank has agreed to assume all deposits excluding certain brokered deposits.
(PR-083-2012)
The Royal Palm Bank of Florida, Naples, FL with approximately $87.0 million in total assets and $85.1 million in total deposits was closed. First National Bank of the Gulf Coast has agreed to assume all deposits.
(PR-082-2012)
Glasgow Savings Bank, Glasgow, MO with approximately $24.8 million in total assets and $24.2 million in total deposits was closed. Regional Missouri Bank has agreed to assume all deposits.
(PR-081-2012)
Montgomery Bank & Trust, Ailey, GA with approximately $173.6 million in total assets and $164.4 million in total deposits was closed. Ameris Bank has agreed to assume all deposits excluding certain brokered deposits.
(PR-080-2012)
June - #7
The Farmers Bank of Lynchburg, Lynchburg, TN with approximately $163.9 million in total assets and $156.4 million in total deposits was closed. Clayton Bank and Trust has agreed to assume all deposits.
(PR-071-2012)
Security Exchange Bank, Marietta, GA with approximately $151.0 million in total assets and $147.9 million in total deposits was closed. Fidelity Bank has agreed to assume all deposits.
(PR-070-2012)
Putnam State Bank, Palatka, FL with approximately $169.5 million in total assets and $160.0 million in total deposits was closed. Harbor Community Bank has agreed to assume all deposits.
(PR-069-2012)
Waccamaw Bank, Whiteville, NC with approximately $533.1 million in total assets and $472.7million in total deposits was closed. First Community Bank has agreed to assume all deposits excluding certain brokered deposits.
(PR-067-2012)
Farmers' and Traders' State Bank, Shabbona, IL with approximately $43.1 million in total assets and $42.3 million in total deposits was closed. First State Bank has agreed to assume all deposits.
(PR-066-2012)
Carolina Federal Savings Bank, Charleston, SC with approximately $54.4 million in total assets and $53.1 million in total deposits was closed. Bank of North Carolina has agreed to assume all deposits.
(PR-065-2012)
First Capital Bank, Kingfisher, OK with approximately $46.1 million in total assets and $44.8 million in total deposits was closed. F & M Bank has agreed to assume all deposits.
(PR-064-2012)
May - #2
Alabama Trust Bank, National Association (N.A.), Sylacauga, AL with approximately $51.6 million in total assets and $45.1 million in total deposits was closed. Southern States Bank has agreed to assume all deposits excluding certain brokered deposits.
(PR-057-2012)
Security Bank, National Association (N.A.), North Lauderdale, FL with approximately $101.0 million in total assets and $99.1 million in total deposits was closed. Banesco USA has agreed to assume all deposits.
(PR-052-2012)
April - #6
Palm Desert National Bank, Palm Desert, CA with approximately $125.8 million in total assets and $122.8 million in total deposits was closed. Pacific Premier Bank has agreed to assume all deposits excluding certain brokered deposits.
(PR-050-2012)
Plantation Federal Bank, Pawleys Island, SC with approximately $486.4 million in total assets and $440..5 million in total deposits was closed. First Federal Bank has agreed to assume all deposits.
(PR-049-2012)
Inter Savings Bank, fsb D/B/A InterBank, fsb, Maple Grove, MN with approximately $481.6 million in total assets and $473.0 million in total deposits was closed. Great Southern Bank has agreed to assume all deposits.
(PR-048-2012)
HarVest Bank of Maryland, Gaithersburg, MD with approximately $164.3 million in total assets and $145.5 million in total deposits was closed. Sonabank has agreed to assume all deposits.
(PR-047-2012)
Bank of the Eastern Shore, Cambridge, MD with approximately $166.7 million in total assets and $154.5 million in total deposits was closed. To protect the insured depositors, the FDIC created the Deposit Insurance National Bank (DINB) of Eastern Shore, Cambridge, MD which will remain open until May 25, 2012.
(PR-046-2012)
Fort Lee Federal Savings Bank, FSB, Fort Lee, NJ with approximately $51.9 million in total assets and $50.7 million in total deposits was closed. Alma Bank has agreed to assume all deposits.
(PR-043-2012)
March- #4
Fidelity Bank, Dearborn, MI with approximately $818.2 million in total assets and $747.6 million in total deposits was closed. The Huntington National Bank has agreed to assume all deposits.
(PR-038-2012)
Covenant Bank & Trust, Rock Spring, GA with approximately $95.7 million in total assets and $90.6 million in total deposits was closed. Stearns Bank, N.A. has agreed to assume all deposits.
(PR-032-2012)
New City Bank, Chicago, IL with approximately $71.2 million in total assets and $72.4 million in total deposits was closed. The FDIC has approved the payout of the insured deposits of Home Savings of America.
(PR-029-2012)
Global Commerce Bank, Doraville, GA with approximately $143.7 million in total assets and $116.8 million in total deposits was closed. Metro City Bank has agreed to assume all deposits.
(PR-025-2012)
February- #4
Home Savings of America, Little Falls, MN with approximately $434.1 million in total assets and $432.2 million in total deposits was closed. The FDIC has approved the payout of the insured deposits of Home Savings of America.
(PR-022-2012)
Central Bank of Georgia, Ellaville, GA with approximately $278.9 million in total assets and $266.6 million in total deposits was closed. Ameris Bank has agreed to assume all deposits.
(PR-021-2012)
SCB Bank, Shelbyville, IN with approximately $182.6 million in total assets and $171.6 million in total deposits was closed. First Merchants Bank, National Association has agreed to assume all deposits excluding certain brokered deposits.
(PR-018-2012)
Charter National Bank and Trust, Hoffman Estates, IL with approximately $93.9 million in total assets and $89.5 million in total deposits was closed. Barrington Bank & Trust Company, National Association has agreed to assume all deposits.
(PR-017-2012)
January - #6
BankEast, Knoxville, TN with approximately $272.6 million in total assets and $268.8 million in total deposits was closed. U.S. Bank National Association (N.A.) has agreed to assume all deposits.
(PR-013-2012)
Patriot Bank Minnesota, Forest Lake, MN with approximately $111.3 million in total assets and $108.3 million in total deposits was closed. First Resource Bank has agreed to assume all deposits.
(PR-012-2012)
Tennessee Commerce Bank, Franklin, TN with approximately $1.185 billion in total assets and $1.156 billion in total deposits was closed. Republic Bank & Trust Company has agreed to assume all deposits excluding certain brokered deposits.
(PR-011-2012)
First Guaranty Bank & Trust Company of Jacksonville, Jacksonville, FL with approximately $377.9 million in total assets and $349.5 million in total deposits was closed. CenterState Bank of Florida, National Association (N.A.) has agreed to assume all deposits excluding certain brokered deposits.
(PR-010-2012)
American Eagle Savings Bank, Boothwyn, PA with approximately $19.6 million in total assets and $17.7 million in total deposits was closed. Capital Bank, National Association (N.A.) has agreed to assume all deposits excluding certain brokered deposits.
(PR-007-2012)
The First State Bank, Stockbridge, GA with approximately $536.9 million in total assets and $527.5 million in total deposits was closed. Hamilton State Bank has agreed to assume all deposits excluding certain brokered deposits.
(PR-006-2012)
Central Florida State Bank, Belleview, FL with approximately $79.1 million in total assets and $77.7 million in total deposits was closed. CenterState Bank of Florida, National Association (N.A.) has agreed to assume all deposits excluding certain brokered deposits.
(PR-005-2012)
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