Data? -- 2. Geographical Focus: Bank Local, and All That, Right? -- Where Are All the Institutions Going? -- FDIC's Three … Reasons for Bank Charter Consolidation -- Voluntary Closures -- Bank Failures -- Few New Banking Charters -- Depopulation and … Density Sustains, for Better or Worse -- The De Novo De No-No -- These Days, There Are Plenty of Reasons Not to Start a Bank …