I work for a "little" bank and we are pretty well capitalized, we strive to serve our customers with great service. We know that we are working with other peoples money and how important it is to be responsible with it. WE have not had to ask for any kind of bail out or aid from any type of government fund at all. Business is great and our customers are happy. YOu are right, no one or bank is perfect, but atleast we can strive for it.