Saving is in vogue again, and banks are beginning to get in on the action.

Hoping to capitalize on the departure of competitors, Tennessee Commerce Bancorp of Franklin is stepping up its nationwide business of financing equipment purchases for small companies.

Shares of Cape Fear Bank Corp. lost half of their value Thursday, after the $473 million-asset Wilmington, N.C., company said that regulators ordered it to maintain higher capital levels.

Capmark Financial Group Inc., a Horsham, Pa., commercial real estate finance company, has withdrawn its Federal Reserve Board application to become a bank holding company and is in talks with lenders to restructure its revolving credit and bridge loan agreements to avoid default.

Iberiabank Corp. in Lafayette, La., is believed to be the first banking company in the country to announce it will give back the money it received from the Treasury Department's Troubled Asset Relief Program.

Waterford Village Bank in Williamsville, N.Y., must increase its capital and assess its management to satisfy consent orders from the New York State Banking Department and the Federal Deposit Insurance Corp.

MIDWEST

The Office of Thrift Supervision is using the availability of federal capital programs as a bargaining chip to strengthen its oversight of holding companies.

Nearly six months after being ordered to boost capital, Team Financial Inc. warned that it would report a staggering full-year loss, and it disclosed a fresh batch of regulatory actions that further clouded its chances for survival.

TierOne Corp. in Lincoln, Neb., said it lost money for the second consecutive year but remains well capitalized.

Though it is struggling to stay alive, Corus Bankshares Inc. of Chicago gave two executives $125,000 bonuses this month.

Even banks can be down and out in Beverly Hills.

Ohio Legacy Corp. of Wooster said Friday that its Ohio Legacy Bank has received a consent order from the Comptroller of the Currency telling it to protect its interest in assets the regulator has criticized in exams.

After years of opening banks, Capitol Bancorp Ltd. is now busy combining them.

Corus Bankshares Inc. of Chicago must come up with a plan to bolster its capital or face a forced sale.

Alabama has been a hot market for consolidation in recent years, and Iberiabank Corp. of Lafayette, La., sees the potential for employee and customer defections as an opportunity.

Temecula Valley Bancorp Inc. said Wednesday that it has agreements with several regulators to improve the strength and stability of its banking unit.

NEW ENGLAND

When Anchor BanCorp Wisconsin Inc. took $110 million from the government last month, the company said that it was well capitalized and that the extra cushion would help it work with struggling borrowers.