is with vestian .. a wealth management firm... asked him about the risk of private equity firms being too aggressive in managing banks.. he does *not believe that is a concern... cahn also points to private equity firms being able to attract top tier managers to run the banks on the downside.. however, private equity firms do *not have a lot of experience in the banking industry... and there may be issues about the relationship between the bank.. and other assets held by the private equity firm. but the bottom line for people like you and me that have bank accounts... jim cahn says we won't be able to tell the difference between who owns a bank. i dont' think every day depositor see difference between a bank owned by private equity vs.. large bank.. in fact i would be surprised if if customers knew at all.. one thing might see.. private equity.. more aggressive advertising.. and we'll see whether the fdic's rule change will bring in more private equity interest... when bidding for the failed corus bank in illinois begins next week

of vestian.. about which types of banks are most likely to fail. "banks most at risk.. have the most real estate loans.. specialize in lending to real estate developers.. builders of single family homes.. most at risk.. with large commercial real estate portfolios." the number of failed banks is still historically low - and these failures are more of a burden to local communities...and probably do not pose a risk to the overall financial system. the ripple effect these failures will have.. is that it'll make it even harder for smaller businesses to get loans... and the situation could force them to close their doors as a result of their banks failing. these days.. smaller businesses that are still able to keep their lines of credit intact... consider themselves very lucky in this economy. "makes me feel good.. sometimes we take it for granted.. that we have such a good bank.. that's always given us a line of credit.. and if we had a bank that did go under... but we just have a bank that's played it conservative " the fdic has its eye on 305 banks on the problem list.. t