If The Crisis Is Over, Why Are Banks Failing At Increasing Rates?

Riddle me that, Batman!

From the SF Examiner:

Despite the massive bailout and some signs that the economy is recovering, the nations banks are still failing. The pace at which they are failing is increasing.

So far this this year alone eighty four banks have failed, due to tumbling home prices and sky rocketing unemployment rates that have increased the number of loan defaults. This is the largest number of failing banks since 1990, which was the height of the savings and loan crisis.

This seems to jive with a previous guest post by Bud Conrad, where he made the case that the FDIC is toast without hundreds of billions in bailout money...at least!