房价崩跌引爆资产损失,今年第9家美国银行倒闭韬客论坛 - 汇市讨论

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房价崩跌引爆资产损失,今年第9家美国银行倒闭

楼主发表于：2008-08-23 16:22

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美国主管机关昨天下令关闭位在堪萨斯州托贝卡市的Columbian Bank and Trust Co.，这是美国房价崩跌，引爆房地产呆帐与资产减损以来，今年第9家银行倒闭。美国联邦存款保险公司 (FDIC)昨天发布声明指出，该行遭堪萨斯州银行委员会办公室与FDIC勒令停业。Columbian Bank有资产7.52亿美元，总存款6.22亿美元。 Citizens Bank and Trust将承接该行储蓄业务。FDIC指出，Columbian Bank旗下9家分行8月25日将重新开张。去年以来，全球金融业的资产减损与信用损失超过5000亿美元，银行关门脚步从此加快。FDIC第一季「问题」银行名单较上季增加18%，达90家银行，总资产达263亿美元。 FDIC董事长Sheila Bair上月指出，随着银行关门脚步加快，她预期今年有更多放款机构走上破产一途。截至8月22日以前，FDIC自2000年10月来已关闭36家银行。2002年有12家银行遭勒令停业，2005年与2006年则没有关闭任何一家银行。美国银行主管机关8月1日关闭佛罗里达州的FirstPriority Bank；7月关闭的银行有内华达州Reno市的First NationalBank，加州Newport Beach的FirstHeritage Bank及IndyMacBancorp；明尼苏达州Staples的First Integrity Bank与阿肯萨斯州Bentonville市的ANBFinancial于5月份相继关门；3月倒闭的银行有密苏里州Hume市的Hume Bank；密苏里州堪萨斯市的DouglassNational Bank则于1月份关门。 US regulators shut Kansas bankColumbian Bank of Topeka, reported $92 million in delinquent loans in the second quarter. WASHINGTON(AP) -- -- Federal regulators on Friday shut down Kansas bank ColumbianBank and Trust Company, which was struggling with losses on soured realestate loans. The Federal Deposit Insurance Corp. was appointedreceiver of Columbian Bank of Topeka, Kan., which had $752 million inassets and $622 million in deposits as of June 30. The FDIC didnot give a reason for the closure, but Columbian reported $92 millionin delinquent loans in the second quarter, citing a "volatile realestate market." The bank set aside $9.2 million for loan losses in thefirst quarter, up nearly 30 percent from the $7.1 million it set asidein the first quarter of 2007. 5 problem borrowers Afinancial statement for the bank shows $482.3 million in real estateloans in the first quarter, including $439.4 million in constructionand development and commercial real estate loans. Columbian has saidthat five borrowers represented nearly half the $92 million in problemloans. Construction and development loans are areas that havebeen under greater scrutiny from federal examiners, the FDIC has said,and a growing number of banks have cited weakness in those areas oftheir loan portfolios. The agency said Columbian's deposits willbe assumed by Citizens Bank and Trust of Chillicothe, Mo. Its nineoffices will reopen Monday as branches of Citizens Bank. Depositors ofColumbian Bank will continue to have full access to their deposits, theagency said. It was the ninth failure this year of an FDIC-insured bank. That compares with three failures in all of 2007. More banks are in danger of failing this year, agency officials have said. The FDIC estimated the resolution of Columbian Bank will cost the deposit insurance fund around $60 million. Regular deposit accounts are insured up to $100,000. Therewere about $46 million in uninsured deposits held in 610 accounts atColumbian Bank that potentially exceeded the insurance limit, the FDICsaid. Concern has been growing over the solvency of some banksamid the housing slump and the steep slide in the mortgage market. Thepressures of tighter credit, tumbling home prices and risingforeclosures have been battering many banks, large and small, acrossthe nation. The FDIC has been beefing up its staff of examiners to handle the anticipated spike in bank failures this year. IndyMac Bank Thelargest bank failure by far this year has been that of savings and loanIndyMac Bank, which was seized by regulators on July 11 with about $32billion in assets and deposits of $19 billion. The seizure of Pasadena, Calif.-based IndyMac, which was the largest regulated thrift to fail in the United States,prompted hundreds of angry customers to line up for hours in SouthernCalifornia to demand their money. IndyMac also was the second-largestfinancial institution to close in U.S. history, after ContinentalIllinois National Bank in 1984. The FDIC has been operating the bank, now called IndyMac Federal Bank, under a conservatorship. On Wednesday, the FDIC announced a programunder which thousands of troubled home borrowers with loans fromIndyMac will be able to switch into 30-year, fixed-rate mortgages withinterest rates capped at around 6.5 percent in what could be animportant test case for future bank resolutions. FDIC officialshave said the agency expects to raise insurance premiums paid by banksand thrifts to replenish its reserve fund after paying out billions ofdollars to depositors at IndyMac. The fund, currently at $53 billion,is expected to take a hit from IndyMac of $4 billion to $8 billion. FDICChairman Sheila Bair said recently she expects turbulence in thebanking industry to continue well into next year, and more banks toappear on the agency's internal list of troubled institutions. Ofthe 8,500 or so banks in the country, 90 were considered to be introuble in the first quarter. The FDIC doesn't disclose the banks'names. Only 13 percent of banks that make the list fail, onaverage, and most are nursed back to health or acquired by strongerinstitutions, according to Bair. Federally insured banks andthrifts set aside a record $37.1 billion to cover losses from souredmortgages and other loans in the first quarter, when profits werenearly halved. ---- Columbian Bank customers with accountsexceeding $100,000 can contact the FDIC at 1-800-523-8209 to set up anappointment to discuss their deposits.