Both banks are candidates for closure. The real point is that it didn't have to be this way. Both banks had fine local franchises that generated lots of profit. But both had managements for whom that was not enough. They dreamed of empires and grandeur and vast wealth and both managements were way out of their league. Now, the shareholders and depositors, who were just along for the ride, are screwed. Typical case of poor leadership and a bunch of handpicked board members who are in the hip pocket of management who rubber-stamp everything they do. Pathetic and should be criminal.