U.S. Stocks Tumble on Concern Bailout Won't Stop Recession

By Elizabeth Stanton

Sept. 22 (Bloomberg) -- U.S. stocks tumbled, led by banks, retailers
and technology companies, as oil jumped 15 percent and investors
speculated the Treasury's plan to buy toxic mortgage assets will fail
to prevent a recession.

The Standard & Poor's 500 Index lost 3.8 percent, erasing almost half
of its rally over the previous two days. Sovereign Bancorp Inc.,
Marshall & Ilsley Corp. and Washington Mutual Inc. sank more than 21
percent, sending the S&P 500 Banks Index to a record plunge, on
concern the government bailout will lower the value of mortgage loans
they hold. Apple Inc. and Cisco Systems Inc. dragged down computer
stocks on concern slower growth will reduce sales.

The S&P 500 retreated 47.99 points to 1,207.09. The Dow Jones
Industrial Average slid 372.75, or 3.3 percent, to 11,015.69. The
Nasdaq Composite Index decreased 94.92, or 4.2 percent, to 2,178.98.
Seven stocks retreated for each that rose on the New York Stock
Exchange in floor volume of 1.3 billion shares, 45 percent below last
week's average.

``They really haven't changed the economic fundamentals at all,'' said
Jeffrey Coons, co-director of research at Manning & Napier Advisors
Inc. in Fairport, New York, which manages $18 billion. ``We still have
a debt-laden U.S. consumer facing falling employment.''

Treasury bonds and the dollar tumbled on concern the U.S. government
is spending too much to save banks after the collapse of Lehman
Brothers Holdings Inc., Fannie Mae, Freddie Mac and American
International Group. Oil, heating oil and copper climbed more than 3
percent as the dollar's biggest slide in seven years against the euro
heightened the risk of inflation.

Regionals Pare Rally

Regions Financial, Marshall & Ilsley and Huntington Bancshares led
regional banks to the steepest drop in two months. The group retreated
after rising more than 48 percent last week on speculation the
companies avoided the worst of the subprime-mortgage crisis. JPMorgan
Chase & Co. and Merrill advised clients to sell midsized lenders
because they won't immediately benefit from the Treasury's mortgage
bailout and may have to write down assets based on the prices received
by their larger rivals.

``Our initial impression of the plan is that the benefits to the
regional banks would be indirect, and as a result, we would lock in
substantial profits generated over the past several weeks,'' wrote
JPMorgan analysts led by Steven Alexopoulos.

Regions Financial, M&I

The S&P 500 Banks Index slumped 12 percent today, the most since the
gauge was created in 1989, as all 20 of its companies declined at
least 3.7 percent.

Regions Financial retreated $4.20, or 21 percent, to $15.60. Marshall
& Ilsley fell $6.66, or 23 percent, to $22.84. Huntington slid 23
percent to $9.81. Merrill analysts said funding bases for small and
mid-cap banks ``may not be as secure as some believe'' as deposits
leave for larger banks and borrowing costs become more expensive,
Merrill analysts said.

Regions Financial, Marshall & Ilsley and Huntington Bancshares were
among the biggest gainers in the S&P 500 on Sept. 19, when the market
rally forced sellers of some expiring equity options to buy shares,
said Michael McCarty, chief options and equity strategist at Meridian
Equity Partners Inc. in New York.

``You're reversing part of that artificial strength,'' McCarty said.

To contact the reporter on this story: Elizabeth Stanton in New York
at [EMAIL PROTECTED]
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