Two Banks Go Under, Lifting National Tally to 11

The lights went dark for two banks in Georgia and Minnesota Friday, with one unable to secure an acquirer for deposits.

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The cash registers at Little Falls-based Home Savings of America fell silent without any bank scheduled to take up $434.1 million in total assets and $432.2 million in total deposits.

The ""FDIC"":http://www.fdic.gov/ said in a statement that it approved payouts for

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customers worth the sum of their deposits. The agency insures deposits for up to $250,000 each.

State regulators in Georgia also shuttered Ellaville-based Central Bank of Georgia, which fell dark with $278.9 million in total assets and $266.6 million in total deposits.

Moultrie-based ""Ameris Bank"":http://www.amerisbank.com/ signed off on a loss-share transaction with the FDIC to scoop up $192.8 million in assets from Central Bank, along with five branches set to reopen Saturday.

The Central Bank acquisition marks the ninth such for Ameris since the start of the financial crisis in 2008.

The total cost for the FDIC's Deposit Insurance Fund: $106.3 million. The two failures also raise the national tally for 2012 to 11.

Last year 92 banks fell to unsound conditions and bad balance sheets, forcing federal regulators to close the institutions. Some 157 banks went under the year before, which spokespeople with the FDIC call a ""high-water mark"" for failures.