More than 40 regulatory orders and actions against financial institutions and their employees have been reported by federal banking regulators during the past three weeks.
Bank failures are often preceded by cease-and-desist orders, which were issued against the following institutions.
| Company | Location | Regulator | Order/Docket No. | Date |
| Beach First National Bank | Myrtle Beach, S.C. | OCC | 2009-190 | Nov. 4 |
| Canon National Bank | Canon City, Colo. | OCC | 2009-183 | Nov. 24 |
| Credit Suisse AG | Zurich, Switzerland | Federal Reserve Board | 09-210-B-FB | Dec. 16 |
| First Community Bank, National Association | Sugar Land, Texas | OCC | 2009-191 | Nov. 19 |
| First National Bank of Griffin | Griffin, Ga. | OCC | 2009-187 | Nov. 10 |
| First National Bank of Crossett | Crossett, Ark. | OCC | 2009-182 | Nov. 10 |
| First National Bank of The Rockies | Grand Junction, Colo. | OCC | 2009-184 | Nov. 5 |
| Independent National Bank | Ocala, Fla. | OCC | 2009-186 | Nov. 4 |
| Marshall Bank, National Association | Hallock, Minn. | OCC | 2009-189 | Nov. 9 |
| Pierce County Bancorp, Pierce Commercial Bank | Tacoma, Wash. | Federal Reserve Board, Washington State Department of Financial Institutions | 09-174-B-HC 09-174-B-SM | Dec. 4 |
| Riverside National Bank of Florida | Fort Pierce, Fla. | OCC | 2009-185 | Nov. 10 |
| Western Springs National Bank and Trust | Western Springs, Ill. | OCC | 2009-188 | Nov. 19 |
A prompt corrective action (No. 09-189-PCA-SMHC) was issued against Bank of Illinois in Normal, Ill., by the Federal Reserve Board on Nov. 24.
Formal agreements, which often require conservation of capital as well as improvements to lending operations and compliance, were recently reached with the institutions listed on the following tables. Formal agreements require banks to regularly report back about their performance, and some require a change in management.
| Company | Location | Regulator | Order/Docket No. | Date |
| 1st Pacific Bancorp, 1st Pacific Bank of California | San Diego | Federal Reserve Bank of San Francisco | 09-157-WA/RB-HC, 09-157-WA/RB-SM | Dec. 10 |
| Bank of Indiana, National Association | Dana, Ind. | OCC | 2009-199 | Nov. 6 |
| Centrust Bank, National Association | Northbrook, Ill. | OCC | 2009-197 | Nov. 17 |
| Commercial Bancshares Inc. | Bloomington, Minn. | Federal Reserve Bank of Minneapolis | 09-182-WA/RB-HC | Nov. 23 |
| Cornerstone Bank & Trust, National Association | Carrollton, Ill. | OCC | 2009-196 | Nov. 24 |
| County Bancorp Inc. | Arlington, Wash. | Federal Reserve Bank of San Francisco | .09-179-WA/RB-HC | Nov. 23 |
| First Bank Richmond, National Association | Richmond, Ind. | OCC | 2009-200 | Oct. 26 |
| First Mariner Bancorp | Baltimore | Federal Reserve Bank of Richmond | 09-188-WA/RB-HC | Nov. 24 |
| The First National Bank and Trust Company of Rochelle | Rochelle, Ill. | OCC | 2009-198 | Nov. 17 |
| First National Bank & Trust of Syracuse, Nebraska | Syracuse, Neb. | OCC | 2009-202 | Nov. 2 |
| Heritage Bank, National Association | Holstein, Iowa | OCC | 2009-201 | Oct. 30 |
| Ohio State Bancshares Inc. | Marion, Ohio | Federal Reserve Bank of Cleveland | 09-164-WA/RB-HC | Nov. 18 |
| River Valley Bancorp Inc. | Davenport, Iowa | Federal Reserve Bank of Chicago | Docket No. 09-183-WA/RB-HC | Dec. 1 |
| Washington Bancorp Inc. | Lynnwood, Wash. | Federal Reserve Bank of San Francisco | 09-168-WA/RB-HC | Nov. 19 |
Spokane, Wash.-based Sterling Savings Bank said in a Dec. 3 statement that it is making progress toward meeting the requirements of an Oct. 2 consent agreement.
Formal agreements were terminated by the OCC with Beach First National Bank, First National Bank in Pawhuska, First National Bank of Griffin, First National Bank of The Rockies, Liberty National Bank and Riverside National Bank of Florida.
The following removal and prohibition orders were reported.
| Individual | Employer | Location | Order # | Date |
| Bell, Carmen | United States Trust Company, National Association | New York | 2009-204 | Nov. 23 |
| Bryan, James Preston | JPMorgan Chase Bank, National Association | Columbus, Ohio | 2009-206 | Nov. 17 |
| Goodwin, Barbara B. | Harleysville National Bank and Trust Co. | Harleysville, Pa. | 2009-207 | Nov. 9 |
| Henderson, Cynthia F. | Trustmark National Bank | Jackson, Miss. | 2009-203 | Nov. 23 |
| Rusciano, Francesco | UBS AG | Zurich, Switzerland | 2009-007-I-E | Nov. 25 |
| Sickels, Vicki W. | U.S. Bank National Association | Cincinnati | 2009-205 | Nov. 19 |
Regulators announced that the following civil money penalties were issued.
| Company / Individual | Location | Regulator | Order/Docket No. | Date | Amount |
| 1st National Bank | Lebanon, Ohio | OCC | 2009-195 | Aug. 18 | na |
| Anderson, Scott H.; Marshall Bank, National Association | Hallock, Minn. | OCC | 2009-192 | Nov. 9 | na |
| Clifford, James F.; Marshall Bank, National Association | Hallock, Minn. | OCC | 2009-193 | Nov. 9 | na |
| Fischer, John A.; Marshall Bank, National Association | Hallock, Minn. | OCC | 2009-194 | Nov. 9 | na |
| Marshall Bank, National Association | Hallock, Minn. | OCC | 2009-189 | Nov. 9 | na |
| Regions Bank | Birmingham, Ala. | Federal Reserve Board | 09-158-CMP-SM | Dec. 15 | $135,000 |
| Rusciano, Francesco; UBS AG | Zurich, Switzerland | Federal Reserve Board | 2009-007-I-CMP | Nov. 25 | $75,000 |
The OCC said notices were filed against Eileen B. Fish of JPMorgan Chase Bank, National Association, in Columbus, Ohio, on Nov. 13 and Louis A. DeNaples of First National Community Bank in Dunmore Pa., on Nov. 24.
Central Pacific Bank agreed to a Stipulation to the Issuance of a Consent Order with the FDIC and the Hawaii Division of Financial Institutions, parent Central Pacific Financial Corp. announced on Dec. 11.
