In this Monday, Feb. 2, 2009, file photo, FDIC, bank personnel and a sheriff deputy work inside the corporate office of MagnetBank in Salt Lake City. The banking industry has come a long way since the financial crisis struck in 2008. A sturdier economy, healthier loan portfolios, low interest rates, higher fees on bank accounts and a wave of mergers have combined to reduce the number of bank failures. (AP Photo/Douglas C. Pizac, File)

Associated Press
In this Monday, Feb. 2, 2009, file photo, FDIC, bank personnel and a sheriff deputy work inside the corporate office of MagnetBank in Salt Lake City. The banking industry has come a long way since the financial crisis struck in 2008. A sturdier economy, healthier loan portfolios, low interest rates, higher fees on bank accounts and a wave of mergers have combined to reduce the number of bank failures. (AP Photo/Douglas C. Pizac, File)
In this Monday, Feb. 2, 2009, file photo, FDIC, bank personnel and a sheriff deputy work inside the corporate office of MagnetBank in Salt Lake City. The banking industry has come a long way since the financial crisis struck in 2008. A sturdier economy, healthier loan portfolios, low interest rates, higher fees on bank accounts and a wave of mergers have combined to reduce the number of bank failures. (AP Photo/Douglas C. Pizac, File)
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