Read carefully, FITZ.
The source of capitol, are those people who place their money in the bank. When more people invest and save, credit restrictions are relaxed, providing more access to that same capital. When economic conditions remove the incentive to save and invest; credit restrictions are tightened, removing available capital from people wishing to better their economic condition.
The Banks are not what you need to worry about; it is the people who would either put money in, or take money OUT, that you should worry about. That is what ultimately determines the health of the economy.