for cheryl bates, it was her fourth closing this year but certainly not her last. to think when you tell them you're from the f.d.i.c.? >> i always want them to think that i'm one of the good guys and that we want to make sure that they get their money back should their bank fail, that they are going to be okay because the f.d.i.c. is there. >> on october 19, 2010, the f.d.i.c. reported that bank failures would cost the deposit insurance fund $52 billion from 2010 through 2014. in november 2010, the f.d.i.c. filed suit against former c.e.o. john saphir and ten other executives of the failed heritage community bank. the f.d.i.c. alleged that the executives were negligent in their management of the bank's commercial real estate program, which ultimately contributed to its collapse. in a statement, lawyers for the defendants said the lawsuit lacked merit. [stopwatch ticking] coming up... does it make sense to keep making the one cent coin? >> it's unsustainable. you can't sustain losses on pennies and nickels and expect to be a viable organization that benefits the am