Most likely it is close. You should know that many banking analysts have already said without goverment help, the US banking industry as whole is insolvent. That is why the big funds stayed away from this rally.
It is on Wall Street Journal & New York Times now. Usually these two are from official/semi-official channels. In the last few days, the whisper number of banks needing capital has increased every day. The market might have been too complacent about it...