it wouldnt matter if they were technically broke or insolvent. they have a blank check from the treasury. the FDIC will not fail.
The second thing is this: the FDIC will not be allowed to fail for obvious political reasons. They can't middle America would be wiped out and Geithner will be walking the plank...BUT all of this Fed and Treasury money infusion is turning the dollar into crapola. The world is starting to look for different kinds of payment to preserve value. I've seen a contract recently where the non- US party wanted payment in something other than US Dollars. Too risky, given the relentless increase in money supply. When the music stops and everyone scrambles for the chairs, there won't be enough chairs. The smart money is getting out now. Before the music stops...