http://www.bloomberg.com/apps/news?pid=20601109&sid=anmrn4H8hXfw&refer=home March 6 (Bloomberg) -- TCF Financial Corp., the Wayzata, Minnesota-based bank that never made a subprime loan and hasnât lost money since 1995, is asking why it should help clean up the mess made by Wall Street. âIâm kind of bitter,â said William Cooper, chief executive officer of the 448-branch bank, adding that over the years TCF has invested about $1 billion in the Federal Deposit Insurance Corp.âs fund that guarantees bank deposits. âWe pay for the excesses of our competitor over and over again.â TCF is among more than 8,300 banks and lenders insured by the FDIC facing increased fees and a one-time âemergencyâ charge designed to raise $27 billion this year for the agencyâs depleted coffers. Community banks may take a 10 percent to 20 percent hit to 2009 earnings even if the FDIC halves that charge, said Camden Fine, president of the Independent Community Bankers of America. The ICBA and its 5,000 mostly locally owned member banks are rebelling against the costs, as well as curbs on pay and business practices imposed on recipients of U.S. capital after public outrage over bonuses and perks. Community banks rely more on deposit funding, so they suffer a âmuch heavier burdenâ as a result of deposit insurance proportionate to size than peers such as New York-based Citigroup Inc. and Wells Fargo & Co., with its headquarters in San Francisco, Fine said. âIncompetence and Greedâ Community lenders âare feeling like they are paying for the incompetence and greed of Wall Street,â Fine said this week in an interview.