Context: It is just to say that they are feeling the financial pain of the recent disaster . First National Bank of Nevada , based in Reno , Nevada , and First Heritage Bank of Newport Beach , Calif. , were both shut down by federal regulators recently . Which countries have the safest banks in the world ?

Question: Why may the banks have been shut down ?
Options:
0. Due to the fact they were in Reno and Newport Beach .
1. Due to financial pain .
2. Due to the country having safe banks .
3. Due to a disaster .
Answer: 3