The FDIC closed another four banks today, including two in Georgia. The Peach State's given us -- or, rather, we've taken -- 22 banks this year, more than a quarter of all the 84 failed banks of 2011. That's a slight improvement over last year, when 139 banks had been shuttered by October 22, but it's not a sign that the banking crisis is abating. Far from it: all the slowdown means is that the FDIC killed off the terminally ill last year, and is only now getting around to dealing with the walking wounded.