Because it is a financial institution and in finance it has a specific meaning.
If we were taking in a math class I would agree with you but we are not.
In case you missed it the CEO of SVB sold off over 3.5 million in stocks over the last 2 weeks and there are growing calls for a total bail out.
SVB serviced something like 44% of the venture capitalists in tech and healthcare.
Are you so sure they just mean dividing up the assets?
An FDIC advance dividend is a thing and is just as qwerty described it.
Google it.
FDIC will claw back those funds.