Despite mounting bank failures, the Federal Deposit Insurance Corp sees no current need to seek help from the U.S. Treasury Department in order to bolster reserves. During the second quarter the number of problem banks rose to 117 with a combined total of $78.3 billion in assets. The FDIC has short-term lines of credit of up to $40 billion with the Federal Financing Bank, which has not been borrowed against since 1991. It also has an additional $30 billion line of credit with the Treasure Department. The FDIC is also considering other options including possibly raising the insurance premiums it charges banks.