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Wildfire Prevention? Another bank shut down
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Top Five U.S. Regional Banks With Most Uninsured Deposits

The collapse of two major U.S. banks within days has put the spotlight on other mid-cap lenders' balance sheets, with a few of them rushing to calm investors' fears of a contagion in the broader financial system.
Here are the five regional lenders in the U.S. with the biggest chunk of uninsured deposits:
First Republic Bank $First Republic Bank(FRC.US)$
1. Uninsured deposits - $119.5 billion
2. Uninsured deposits as % of total deposits - 68%
3. Unrealized losses on available-for-sale (AFS) investment securities as of Dec. 31 - $471 million
4. Stock performance month-to-date as of Friday’s close - Plunged 33.5%
5. Recent events - Secured additional funds from JPMorgan Chase & Co, says has over $70 billion of unused capital
Comerica Bank $Comerica(CMA.US)$
1. Uninsured deposits - $45.5 billion
2. Uninsured deposits as % of total deposits - 62%
3. Unrealized losses on available-for-sale (AFS) investment securities as of Dec. 31 - $3.03 billion
4. Stock performance month-to-date as of Friday’s close - Dropped 16.1%
Western Alliance Bank $Western Alliance Bancorp(WAL.US)$
1. Uninsured deposits - $31.1 billion
2. Uninsured deposits as % of total deposits - 58%
3. Unrealized losses on available-for-sale (AFS) investment securities as of Dec. 31 - $674.9 million
4. Stock performance month-to-date as of Friday’s close - Dropped 16.1%
5. Recent events - Reaffirmed full-year deposit growth forecast of 13% to 17% after crisis at SVB
Zions Bank $Zions Bancorporation N A. 6.95%Fixed To Fltg Subord Nts 15/09/2028(ZIONL.US)$
1. Uninsured deposits - $37.6 billion
2. Uninsured deposits as % of total deposits - 53%
3. Unrealized losses on available-for-sale (AFS) investment securities as of Dec. 31 - $1.63 billion
4. Stock performance month-to-date as of Friday’s close - Fell 20.3%
Synovus Bank $Synovus Financial(SNV.US)$
1. Uninsured deposits - $25.1 billion
2. Uninsured deposits as % of total deposits - 51%
3. Unrealized losses on available-for-sale (AFS) investment securities as of Dec. 31 - $1.6 billion
4. Stock performance month-to-date as of Friday’s close - Down 17%
What are available-for-sale securities?
An available-for-sale security (AFS) is a debt or equity security purchased with the intent of selling before it reaches maturity or holding it for a long period should it not have a maturity date.
There are these key points.
Available-for-sale securities (AFS) are debt or equity securities purchased with the intent of selling before they reach maturity.
Available-for-sale securities are reported at fair value.
Unrealized gains and losses are included in accumulated other comprehensive income within the equity section of the balance sheet.
Investments in debt or equity securities purchased must be classified as held to maturity, held for trading, or available for sale.
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