Regulators may be slow to close weak banks. The FDIC doesn't have the manpower to close all of the troubled banks at once.

This is the opinion of award-winning analyst, Kevin Fitzsimmons, at Sandler O’Neill which is a New York brokerage firm specializing in banks.

Banks hold toxic assets (primarily mortgage-backed securities), loans to speculative real estate developers, and mortgages to individuals who are facing historic unemployment rates.

This is the opinion of no-award-winning author, me.