Chỉ vào hàng khi có tín hiệu tích cực thật sự

Problem bank list hits 775

By David Ellis, staff writerMay 20, 2010: 11:14 AM ET


NEW YORK (CNNMoney.com) -- The government's list of troubled banks climbed to its highest level since 1992 in the first quarter, although the pace of growth moderated, according to a government report published Thursday.
The numbers, published as part of a broader survey on the nation's banking system by the Federal Deposit Insurance Corporation, revealed that the number of banks at risk of failing climbed to 775 during the first quarter.



That figure stood at 702 in the fourth quarter of 2009. A year ago, the number of banks on the FDIC's watch list was 305. Loan losses, particularly in areas like commercial real estate, have hit many lenders hard.
Still, the fact that the number of problem banks rose by just 10% from the end of the year may suggesting that some of the festering troubles in the industry are starting to subside.
"You can clearly see the rise in problem institutions moderated in the first quarter," said FDIC Chairman Sheila Bair.
Banks that end up on the problem list are considered the most likely to fail. But few of the lenders on the list actually reach the point of failure. On average, just 13% of banks on the FDIC's problem list have been seized and shuttered by regulators.

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The names of the banks on the list are never made available to the general public by regulators out of fear that depositors at those institutions may prompt a so-called "run on the bank.


Problems peaking? The FDIC also reported a much-needed increase in its deposit insurance fund, which covers customer deposits when a bank fails.
The fund added $145 million during the quarter -- the first increase in two years. It still continues to operate in the red however, reporting a deficit of $20.7 billion. That number also takes into account money the agency set aside in anticipation of future bank failures.
So far this year, 72 banks have failed. Bair said Thursday she expected that number to continue to climb, with smaller institutions among the most likely victims.
She noted however, that the agency was expecting the number of failures to peak at some point this year given that there are signs of improvement in some loan categories. She added that many troubled firms are finding new sources of capital.
Overall, the report painted a more healthy picture of the banking industry than a year ago.
Banks and other institutions insured by the FDIC collectively earned approximately $18 billion during the quarter. That's the highest profit since the first quarter of 2008 and was a more than three-fold increase from a year ago.
Much of that jump was attributed to big banks like Citigroup (C, Fortune 500) and Bank of America (BAC, Fortune 500), who returned to profitability in the latest quarter.
Another notable aspect of the latest quarterly report was a decline in the number of institutions insured by the FDIC to below 8,000. That's the first time that's happened in the agency's 76-year history. Two decades ago, the FDIC insured more than 16,000 institutions nationwide.

Surprise jump in jobless claims

By Annalyn Censky, staff reporterMay 20, 2010: 9:02 AM ET


NEW YORK (CNNMoney.com) -- The number of first-time filers for unemployment insurance rose last week for the first time in a month, according to a weekly government report released Thursday.
There were 471,000 initial jobless claims filed in the week ended May 15, up 25,000 from an upwardly revised 446,000 the previous week, according to the Labor Department's weekly report.



The number of claims was higher than expected and curbed a four-week trend of losses. Economists surveyed by Briefing.com had expected new claims to fall to 439,000.
Initial claims have been stuck in a rut near the mid- to upper- 400,000s since November. A one-week bounce up isn't all that alarming, but economists would like to see it move below 400,000 as further indication of a recovery, said John Canally, an economist with LPL Financial.
"Companies need to be more confident in the recovery, and you seem to be seeing that. It's a bit perplexing why claims haven't fallen more," he said. "In general, most businesses are pretty confident if you look at first quarter earnings reports and comments made by management. Where hiring hasn't occurred yet is in small businesses."
The four-week moving average for weekly initial claims was 453,500, up slightly from 450,500 from the previous week. The Labor Department tracks the four-week moving average of the weekly figures, to smooth out the volatility of the measure.
Meanwhile, 4,625,000 people continued to file unemployment claims for their second week or more, during the week ended May 8, the most data available. That's down from an upwardly revised 4,665,000 the week before.
Standard unemployment benefits usually last 26 weeks. The continued claims number does not include those who have moved into state or federal extensions, or people whose benefits have expired but may still be without a job.
The weekly report follows on the heels of a Federal Reserve announcement Wednesday, that the central bank has reduced its forecast for the nation's unemployment rate to a range between 9.1% and 9.5% this year, versus 9.5% to 9.7% in January.
The national unemployment rate currently stands at 9.9%.

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