To the Editor:

It would appear to me that before the FDIC takes on any new responsibilities ["New Powers Mean New Questions for FDIC," April 7], they should have a stress test performed by a totally independent organization to determine how many bank failures they would be able to absorb in a three, six and twelve month period.

A detailed plan should be in order describing how and where the funds would come from to handle even one of the top 50 bank failures in such an event.

I don't see how the banking system could handle the insurance premiums without putting half of the banks in distress and in danger of failure.

It seems that the small banks have been forgotten in all of this mess, and it is a shame.John Evans
Chief Financial
Officer Metro City
Bank Atlanta

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