美国又四家银行倒闭zt

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http://www.marketwatch.com/news/story/Four-banks-shuttered-credit-crunch/story.aspx?guid={982438DE-54E6-4F2E-84FF-FA3F1556A589}

Four banks closed by regulators as credit crunch shakes out
By John Letzing, MarketWatch
Last update: 8:56 p.m. EDT April 24, 2009Comments: 337SAN FRANCISCO (MarketWatch) -- Four banks in Georgia, Michigan, California and Idaho were closed by regulators Friday, costing the Federal Deposit Insurance Corp.'s deposit insurance fund nearly $700 million as the effects of the credit crisis continued rippling throughout the U.S. economy.
Kennesaw, Ga.-based American Southern Bank marked the 26th bank failure of the year and the fifth in the state of Georgia, the FDIC said. Farmington Hills, Mich.-based Michigan Heritage Bank then became the 27th failure of 2009, followed by the closure of Calabasas, Ca.-based First Bank of Beverly Hills.
Alpharetta, Ga.-based Bank of North Georgia has agreed to assume American Southern Bank's deposits, the FDIC said in a statement. American Southern's one office will reopen as a branch of Bank of North Georgia on Monday.
American Southern had roughly $112.3 million in assets and $104.3 million in deposits as of March 30, according to the FDIC.
Bank of North Georgia has also agreed to buy roughly $31.3 million of the failed bank's assets, the FDIC said. The FDIC estimated the cost of American Southern's failure to its deposit insurance fund will be $41.9 million.
American Southern's collapse marks the 51st bank failure since the credit crisis began last year. During that time, an inordinate amount of the total bank failures have occurred in Georgia.
The last bank to fail in Georgia was Atlanta-based Omni National Bank on March 29, the FDIC said.
The failure of First Bank of Beverly Hills is also only the latest in a string of California bank closures. The FDIC said it marks the fourth failure in that state this year, with County Bank, of Merced, being the most recent California closure, on Feb. 6.
The FDIC said, "an assuming institution could not be located" for First Bank of Beverly Hills' deposits and assets, and said it will mail checks to insured depositors on Monday.
First Bank of Beverly Hills had $1.5 billion in assets as of Dec. 31, the FDIC said, and $1 billion in deposits. The FDIC estimated the bank had $179,000 in uninsured deposits, and that its failure will cost the FDIC's deposit insurance fund $394 million.
Michigan Heritage Bank is the first in that state to be closed this year. The bank had $184.6 million in total assets as of Dec. 31, and $151.7 million in deposits, according to the FDIC.
Farmington Hills-based Level One Bank has agreed to assume Michigan Heritage Bank's deposits, and on Monday Michigan Heritage's three offices will reopen as branches of Level One Bank, the FDIC said.
Level One has agreed to buy roughly $46.1 million of the failed bank's assets, the FDIC said.
The FDIC estimated the cost of Michigan Heritage Bank's failure to its deposit insurance fund will be $71.3 million.
Ketchum, Idaho-based First Bank of Idaho also became the first bank closure for that state this year, and the 29th in the U.S. this year- it was the first failure in Idaho since 1988, the FDIC said.
Minneapolis-based U.S. Bank has assumed First Bank of Idaho's deposits, the FDIC said. First Bank of Idaho had $374 million in deposits and $488.9 million in assets as of Dec. 31.
The FDIC estimated the closure of First Bank of Idaho will cost its deposit insurance fund $191.2 million.  
John Letzing is a MarketWatch reporter based in San Francisco.

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google翻译一下，大家请用娱乐的心态看中文。
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四家银行监管机构关闭了信贷紧缩，动摇了

旧金山（道琼斯） -四大国有商业银行在格鲁吉亚，密歇根州，加利福尼亚州和爱达荷州关闭了监管机构周五，成本的联邦存款保险公司的存款保险基金近7亿美元的影响，信贷危机继续波及整个美国经济。
肯尼索，总部位于乔治亚州的美国南方银行标志着银行26日未能在今年的第五次在乔治亚州，联邦存款保险公司表示。法明顿希尔斯，美国密歇根州的密歇根遗产银行后来成为第27未能在2009年，其次是关闭Calabasas ，大约为基础的第一银行的比佛利山庄。
Alpharetta的，总部位于乔治亚州银行北格鲁吉亚已同意承担美国南方银行的存款，联邦存款保险公司在一份声明中说。美国南部的一个办公室将重新作为一个分支银行北格鲁吉亚星期一。
美国南部有大约一万一千二百三十〇点零零零万美元资产和一万○四百三十点○○万美元存款截至3月30日，根据联邦存款保险公司。
北格鲁吉亚银行也已同意购买大约三千一百三十零点〇 〇万美元的倒闭银行的资产，联邦存款保险公司表示。联邦存款保险公司的费用估计美国南方未能其存款保险基金将四千一百九十○点○○万美元。
美国南部的崩溃，标志着第51次失败，因为银行的信贷危机从去年开始的。在这段时间里，过多的总银行倒闭发生在格鲁吉亚。
最后银行无法在格鲁吉亚是总部设在亚特兰大的全方位国家银行3月29日，联邦存款保险公司表示。
失败的第一银行的比佛利山庄还只是最近在加州一个字符串银行关闭。联邦存款保险公司表示，这标志着第四未能在该国今年以来，县银行的默塞德，是最近加州关闭， 2月6日。
联邦存款保险公司说， “一个假设机构无法找到”的第一银行的比佛利山庄的存款和资产，并表示将邮件进行检查，以保储户星期一。
第一银行的比佛利山庄有15亿美元的资产为12月31日，联邦存款保险公司表示， 10亿美元的存款。联邦存款保险公司估计，银行十七点九○万美元在存款保险的，其失败会令美国联邦存款保险公司的存款保险基金三万九千四点零万美元。
密歇根遗产银行是第一个在该国将在今年关闭。世界银行一万八千四百六十点零万美元总资产在12月31日，和一万五千一百七十○点○○○万美元存款，根据联邦存款保险公司。
法明顿山的级别一家银行已同意承担密歇根遗产银行的存款，和周一密歇根遗产的三个办事处将重新分支水平作为一个银行，联邦存款保险公司表示。
一级已同意收购大约四千六百十点〇 〇 〇万美元的倒闭银行的资产，联邦存款保险公司表示。
联邦存款保险公司估计费用密歇根遗产银行没有存款保险基金将七千一百三十点○○○万美元。
凯彻姆，爱达荷州的第一银行爱达荷州也成为第一银行关闭该国今年以来， 29日今年在美国，这是第一次未能在爱达荷州自1988年以来，联邦存款保险公司表示。
总部位于明尼亚波利斯的美国银行已承担的爱达荷州第一银行的存款，联邦存款保险公司表示。第一银行的爱达荷州了三万七千四点零零零万美元在存款和四万八千八百九十点〇 〇 〇万美元在资产为12月31日。
联邦存款保险公司估计，关闭第一银行爱达荷州将花费其存款保险基金一万九千一百二十○点〇 〇 〇万美元