In this week's episode, sprocket888 and viperxl007 are only one week after the discussion on $FRC and whether it should be traded. Well, $FRC is no longer around. Their assets have been seized and sold to JP Morgan. viperxl007 and sprocket888 talk about what unfolded and what lessons they learned. This is the first stock that each of them has held that ended up delisting and essentially going to $0. They also discuss the hauntingly similar aspects of the regional banking crisis with the financial market meltdown in 2008. The current regional banking situation unraveled and exploded so fast. In this episode they look at the mechanics under the hood that essentially led several of these giants to disappear overnight. The interesting aspect of this is there was nothing complex or fancy. It was just pure and simple poor risk management of the capital investments of the bank. As with every new situation, there are lessons to be learned. This time we learned what happens when a bank enters receivership under the FDIC and what happens to the equity and bond holders.

  • 00:00 Disclaimer
  • 00:18 Intro
  • 02:33 How much is a quarter worth?
  • 04:32 What year is it? Are we in 2008?
  • 05:01 Bear Sterns started the 2008 avalanche with JP Morgan
  • 07:36 The banking industry tried to build a dam by shoring up Bear Sterns
  • 09:34 2023: A new bank, JP Morgan, called again to shore up confidence
  • 11:24 Say what you will, but there are even similarities to crypto too
  • 13:50 Simplified breakdown of the root of the issue at the regional banks
  • 19:45 As panic starts, there is a drive to spread money to many banks to stay under the FDIC insurance limit
  • 21:48 $FRC looked so tasty, but it sure was a SOUR bite
  • 29:54 This is a perfect example of why you should KNOW the mechanics of what you are trading
  • 32:52 JP Morgan has gutted the good stuff from FRCB and left the carcass to rot
  • 36:25 Going in, we did not expect that we would be OWED anything
  • 39:25 Conclusion: Know your history, and stay alert. There is always a trade to be made
  • 41:26 Outro

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