NEW YORK - The leadership of the bank, which has promised that the worst month of the financial crisis has proved that the research is becoming less credible in the eyes of investors. And what a problem, since the industry that the discharges should be sad second quarter over the next few weeks.

Of course, not all banks are under way to IndyMac Corp., entered by the government on Friday. In fact, analysts expect more banks to the top, as the industry consolidates in the coming years.

But at the moment, investors do not take no risk. After IndyMac _ entered the seventh bank failure since the beginning of the crisis, credit cards, last summer, and the second largest bank fails, the Federal Deposit Insurance Corp. ’s 75-year history _ stocks in almost all banks in the country were clobbered Monday Bet that the market that no further failures.

The shares were the hardest hit are the First Horizon National Corp. Monday, in the south of the United States; Zions Bancorp, which are in Utah and Idaho and Washington Mutual Inc., the largest savings and credit cooperatives. The stocks of large banks such as Wachovia Corp., Citigroup Inc., Bank of America Corp. and Wells Fargo & Co., has also fallen.

There are more than a few perspectives of hope and enterprises to capital plans for this season profits for the investors and consumers to a comfortable stay. No matter how much money a bank on the ground, if enough customers are concerned about their deposits and remove this bank is in difficulty, said Adam Schneider, one of the most important at Deloitte Consulting LLP.

“The noise is the story after a certain time,” says Schneider. “Any institution can be a word injured on the bench.”

A virtual version of a concept by investors, the securities were purchased by Bear Stearns Cos. led to its dissolution in March, when the Investment Banking was flailing from JPMorgan Chase & Co.

The discussion on the banks the proportion of loans in the provision for the total amount of outstanding loans and reserves and stocks _ two measures of a bank of Health _ only a handful of companies in danger appear to be the analyst for the bank by Richard Bove Ladenburg Thalmann. These small banks include Downey Financial Corp., Inc., Corus Bank Shares, Doral Financial Corp., BFC Financial Corp., Bank United Financial Corp. and FirstFed Financial Corp.

However, the bank is managed, are unpredictable. To be sure IndyMac has a very large number of loans lacking in comparison to his all loans and reserves _ but the southern California lender is not in the FDIC the list of the 90 banks, which may be in danger ‘error.

It is also the banks, which have worked to raise money, the investors lose.

In its response to the share price to dive, National City reported Monday “is not aware of unusual applicant or the creditor activity”, and he has more than $ 12 billion for additional short-term liquidity at the end of the day Friday. National City is expected from this report a second quarter loss on the 24th July.

Washington Mutual and tried to win the confidence of investors on Monday to say that there is enough liquidity to survive resist under difficult conditions.

But the original values are still in decline, the market is little reason to believe that with one blow so early.

“It’s a little premature to suggest that it below,” said Aite Group LLC analysts at Bank Eva Weber. “We need an awake eye on what the housing market will continue to do so.”

The situation could be worse, depending on Deloitte Schneider. “We do not see massive works on the Bank for a Depression-era scale.” And those that have taken place, are “very good chess.”

Even big-name banks, which lose money, almost a year now Citigroup Inc. _ _ not yet depositers to release on bail.

Citigroup, the nation’s largest bank by assets, is planned on Friday to send a second quarter loss, the deficit would be his third quarterly report law. The four other major U.S. banks should also include a report on the results even worse than last year, and the prospects bleak. Wachovia Corp. already announced it shows a loss for the second quarter, and analysts expect JPMorgan Chase & Co., Bank of America Corp. and Wells Fargo benefit ratio is reduced.

Washingto mutual should be a second quarter loss in the next week. Lehman Brothers analyst Bruce Harting Monday predicted a savings-$ 4 billion in provisions for losses and that its losses from loans in the amount of word about 26 billion U.S. dollars.

For consumers, the fear is that you have an even harder to find loans at affordable rates. If a bank claims that he is ready, the expansion of standards and the reduction of assets, which means that the granting of loans and lower fees higher rate _ particularly for mortgages and loans at home.

“It is to expect a difficult and research, and they can expect that the rates in an institution for l ‘,” said Schneider, noting that the banks customers with the best resources and history of stable jobs and income.

The FDIC says it $ 4 billion to $ 8 billion to IndyMac deposits, probably reducing the reserve ratio to a level that would prevent him re-evaluate prices that banks.

When it comes to the day-to-control activities and the functioning of the savings book, not much is for the consumer. But the failure IndyMac is a sad reminder, not more than $ 100000 in an account at a single institution _ FDIC generally only up to $ 100000 guarantees for your money if your bank or $ 250000 for certain accounts in retirement. About this amount, the Government reimburse the customer decides from case to case.