The Federal Deposit Insurance Corp., the Federal Council supports the establishment of bank deposits, said last week the biggest jump in “problem institutions”, he saw, since the savings and loan crisis of late 1980. Although the extent of the problem is still weak in the past, they called 76 banks in difficulties - 52% increase over the previous year.

FDIC Commissioner Sheila Bair between regulators to testify on Tuesday in a Committee of the Standing sénatorial banks and negotiation on the state of the banking system.

The experts say that the 76 banks that currently can be examined only a small part of the problems that now in the banking sector.

Jaret Seiberg, financial services for the organization political analyst Stanford research group, said it appears that the regulatory authorities to expect about 200 chess Bank in the coming year or two. If that happens, it could be with the floods of the bank failures during the S & L crisis. In 1989, the nation saw a postnatal depression-era record of 206 Bankpleiten.

And even Seiberg says more than 200 banks in difficulty, can be purchased before they reached the point of failure.

“Many of these banks are highly dependent on the construction completed, and that is the area of loans, probably in the coming conditions set by stress,” he said.

The FDIC stresses that all these banks are doomed to failure. In fact, in 2007, only three banks, even though 50 on the list of supervision at the end of the previous year. Until now, this year, a bank - Douglass National Bank in Kansas City, Mo. - Failed.

But the head of the FDIC is looking for the recruitment of 25 employees a reaction to the planned increase in the number of failures, a gesture, an expansion of its employees increased by 11%. Among those he hopes recent cease are pensioners who have worked through the S & L crisis.

The banks, the risk of failure are generally smaller, not the major banks in the world, by the depreciation in billions of subprime mortgage loan problems.

The small banks are the major actors in the enterprise loans for the construction of dwellings - loans, which were supported by new houses worth a fraction of the original estimated value.

In the last six months the number of loans for the construction of 30 days or more offenders had been added, depending on Foresight Analytics, Oakland, California, economic and real estate search in enterprises. The figures show 7.5% for the single-family loans were delays in the production of the fourth quarter of 2007, more than twice the rate of 3.1% by the second quarter.

Matt Anderson, a partnership with the Foresight Analytics, says it is the small and medium-sized banks, with assets of 10 billion U.S. dollars or less, which are more at risk. The outstanding loans for the construction equivalent to approximately 115% and the contribution of the capital on 31 December in comparison to the big banks, the expenditure for the construction of not more than 43% of the capital.

Anderson said, not yet on residential developers, who were not affected, by the decline in the accommodation to see their funding from tap water.

“The disappearance of small lenders would probably not have been possible significant impact on the national level, but in a variety of local markets to the U.S., will believe it,” said Anderson. “Short term to the people that the May projects, it may differ from these projects and are under”.

Dean Baker, co-director of the Center for Economic and Policy Research, has decided that this will be the smaller of the banks in the markets with the greatest weakness of the economy that it does not succeed, and not too complicated, that the problems in these Areas, even if customers do not lose tons of their deposits.

“It is more a descendant,” he said. “For certain areas, Detroit, Cleveland, some of the areas in which the real estate bubble burst, it could actually bad news. I do not see the big banks, which s’engouffrait in the areas of credit available.”