Now for some facts, after you watched the government propaganda. All of these facts, unlike that propaganda, are in fact mathematical realities.
The agency’s deposit insurance fund, supported by fees paid by banks, fell to $13 billion in the first quarter from $17.3 billion in the preceding three-month period. The FDIC has imposed an emergency fee to raise $5.6 billion to rebuild the fund, with more assessments possible this year. The agency forecasts failures will cost $70 billion through 2013.
The FDIC lost most of its $50 billion original stake due to mismanagement, refusal to close troubled institutions, and according to the Office of The Inspector General:
May 21 (Bloomberg) -- The Office of Thrift Supervision authorized “inappropriate” backdating of capital by six institutions, including IndyMac Bancorp Inc., that led to “misleading financial reporting,” the U.S. Treasury inspector general said in a report.
Oversight failures were “very serious” and included a senior deputy director in August instructing a lender to backdate and a regional director authorizing revised accounting, according to the report today. OTS left unchanged revisions at three unidentified thrifts. Republican Senator Charles Grassley said the actions were “completely unacceptable” and a congressional subcommittee planned an investigation.
IndyMac subsequent to this event failed and has cost the FDIC insurance fund a very substantial amount of money and we are not even being told who the other three institutions are or whether they are still operating!
How much is the $13 billion in FDIC insurance?
The FDIC insures 4.8 trillion dollars in deposits in US banks and thrifts, and yet they have 0.27% - more than two-thirds less than they had a bit more than a year ago - in money to "cover" those deposits.
It is true that the FDIC also has the ability to borrow (up to $100 billion now, and they are trying to secure the ability to borrow up to $500 billion) from Treasury should they run short of money.
It is true that nobody has (yet) ever lost one penny of insured funds at an American bank.
And finally, it is almost certainly true that should Congress have to print up literally any amount of money, irrespective of whether that printing of raw money drives oil to $300 a barrel, gasoline to $10 a gallon, and bread to $20 a loaf, in order to prevent the FDIC from being able to pay you with (perhaps worthless) dollars, they will - because they understand full well that the alternative could quite easily be that you reach for a pitchfork - or worse.
But if you believe that having 0.27% of the insured base of deposits as a reserve, having lost more than two thirds of the original reserve due to malfeasance and misfeasance, when not one person has been indicted, prosecuted or imprisoned for their misconduct over the previous two years constitutes "well-capitalized, prudently operated and able to meet insurance obligations".......
... you are free to believe that.
I will however strongly suggest that you investigate the facts for yourself before believing Susie Orman playing "mouthpiece" for a clearly-desperate regulatory apparatus that has allowed the wholesale looting of the American Taxpayer to occur - a regulatory apparatus and government, from the top down that will, it appears, continue to rob you blind until and unless you, the people, demand that it stop.