EXCERPTS:"Regulators on Friday closed banks based in Nebraska, Florida, Illinois and Oregon, marking 13 failures this year of federally insured institutions.""Twenty-five U.S. banks failed last year, far more than in the previous five years combined. There were just three bank failures in 2007. It's expected that many more banks won't survive this year amid rising unemployment, falling home prices and tighter credit."http://www.thestate.com/business-wire/story/684425.html