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.

As prices of houses continue to reduce default and credit cards mounted, federal regulation are holding devices for dozens of U.S. banks not next year.
But after a great Hypothekarkreditgeber in California broke late Friday, Wall Street analysts began with two crucial questions: How many banks are reluctant? And more than a matter of urgency, which could be next?

The banks of the country are much less the risk that they were at the end of 1980 and early 1990, when more than 1000 of the federal government has assured the institutions in the course of savings and loan agreement - crisis. The debacle, the biggest collapse of financial institutions of America since the economic crisis, a government had to rescue cost taxpayers about $ 125 billion.

But the disturbances are always so quick to some small and medium-sized banks, that the number from 150 to 7500 banks in the country in the next 12 to 18 months, say the analysts. Other donors are probably the closure of branches or mergers.

“The whole world is the creation of lists trying to understand the next bank, No. 1 and No. 2, how many of them are there,” said Richard X. Bove, banking analyst with Ladenburg Thalmann, who will publish a list of banks in difficulties during the weekend. “And No. 3, from the perspective of Washington, how bad does it impact on the economy?”

Many investors are on the alert after the federal system, the lender California, IndyMac Bank, one of the nation’s largest savings and ready, in the last week. With $ 32 billion of assets, IndyMac, one of the effects of the Countrywide Financial Corporation, the largest creditor of the United States to fail in more than two decades.

Today, as the Bush administration, how they deal with the crisis in the nation, the two largest companies in the financing of mortgages, Fannie Mae and Freddie Mac, a race to win reports in the coming days and weeks of some of the nation’s largest financial service providers afford , the darker memories of the sad situation of this industry.

The future of Fannie Mae and Freddie Mac is crucial for banks, savings and loans and loans exceeding 1.3 billion U.S. dollars of securities or guarantee by the two mortgage banks. If the mortgage giant never to these obligations, banks are required to billions of dollars of capital.

The main institutions to report results this week, notably Citigroup and Merrill Lynch, are not a risk, you should have some more of several billion dollars profit and loss account.

But the Time May be exported to some small and medium-sized lenders. They differ in size and position, but their misfortune is the collapse of the real estate market and souring mortgages. Most of these banks are much smaller than the giants of the industry, which have the examination of the rules and the investors.

But only six donors have failed so far this year, which IndyMac. In 1994, the Federal Deposit Insurance Corporation for 575 listed banks in difficulty. From this spring, the agency is worried only 90 banks. This figure May go in August, when the government came a current list.

“Can banks are an indicator of the delay in development, not an indicator,” said William Isaac, president of the FDIC at the beginning of 1980 and is now the President of the Secura Group, a consulting firm in finance, in Virginia. “So you see more disturbed, the banks have not this year.”

IndyMac And yet, one of the nation’s largest lender, not the government, where unrest list Bank in this spring - an indication that other banks in difficulty and May under the radar screen.

The F.D.I.C. With 53 billion U.S. dollars to the site in order to reimburse consumers to not lost deposits banks. IndyMac eat up $ 4 billion to 8 billion U.S. dollars for the fund estimates of the agency responsible for the collection to take more money from the banks that.

The Agency distributed no banks, which he believes in difficulty. But analysts in the market, in their own lists, and short-sellers - investors who bet against shares - are piling up. In recent weeks, while some regional banks like the Bank United Financial Corporation, Florida, and the Corporation Financière Downey, California, stumbled difficult, in the centre of concerns about its financial health. A spokeswoman for United Bank said that the lender has largely avoided subprime loans in danger.

In his “this is the next?” Report on the weekend, M. Bove said part of the loans in banks, which are nonperforming, meaning that for example, have been active, or that the payments are 90 days reserve. He came with what he called a danger zone, which is a share of over 5 percent. Sept banks fell in this category.

An important question for the regional and banks, whether they successfully sell their risky loans to companies on Wall Street.

And the government of May, fewer errors than before because the private investment funds to buy some donors in difficulty. Regulators consider the rules by which private equity firm to buy a greater proportion of banks, and several investors, such as Wilbur Ross, collected money for bond po

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