This past Friday the FDIC seized 3 more banks to bring the total for 2009 up to 20. What are the telltale signs that a bank is on the brink? Citron believes that IBOC is doing more than just giving signs; it is screaming out that something is really wrong Deep in the Heart of Texas. It is the opinion of Citron that the new plan from the US Treasury might just accelerate the inevitable for IBOC as now the overbloated construction loans will show their true colors.