French resigned in May as executive vice president of commercial real estate lending.

Immediate financial assistance - something the bank desperately needed - was not available to the bank. The Federal Reserve was unwilling to fund the bank beyond Sept. 5, the order said, and as such, the bank was no longer viable.

It was posing a "significant risk" to the FDIC's deposit insurance fund.

The cost to that fund is $450 million to $550 million, the FDIC said.

Fortunately for the FDIC, it found another bank holding company willing to buy the $800 million of insured deposits in Nevada and Arizona. Salt Lake City-based Zions Bancorporation is the parent company of Nevada State Bank and National Bank of Arizona, the banks assuming Silver State's insured deposits.

The acquisition didn't include $20 million in uninsured deposits or the loans Silver State issued, both now held by the taxpayer-funded FDIC. The bank also had $700 million in brokered deposits the FDIC will pay to brokers directly if insured.

The Treasury Department has teamed up with the Small Business Administration on a new Web site that provides small businesses with information on health savings accounts.

For small businesses unable to offer employees health insurance, health savings accounts are an option worth looking into.

The Web site, www.hsa.gov, provides comparisons to other health coverage options, as well as other materials to help employers and individuals to enroll in account-eligible coverage.

It also provides tips on how to save for health care costs through such an account.

City National Bank has launched a premier banking program.

"Preferred banking recognizes the financial status and unique needs of ... affluent households," John Guedry, executive vice president and manager of City National's Nevada region, said in a company news release. "We're able to provide clients with the award-winning professional advice and sound guidance that will help them grow and protect their assets."

The accounts require a minimum combined balance of $250,000.

City National, a wholly owned subsidiary of City National Corp., has five branch offices in Las Vegas and a total of $16.3 billion in assets.

USAA Savings Bank, Las Vegas office, received a top rating from the FDIC for its compliance with the Community Reinvestment Act. In June the bank was examined by the FDIC.

Only seven of 123 banks examined for compliance received an outstanding rating. Most received a satisfactory rating.

The law is intended to "encourage insured banks and thrifts to meet local credit needs, including those of low- and moderate-income neighborhoods, consistent with safe and sound operations," the FDIC said.