With deposits peaking in 1994 at ¥8.7 trillion, increasing financial instability was causing contracts to be broken, particularly in the Honshū region, and the outflow increased. By the end of September 1997, deposits had descended to ¥5.9 trillion. After the failure of the merger, Takugin's financial insecurity increased yet again, such that its share price actually fell 100 yen below the level assigned for a bankruptcy warning. The cash flow situation was now more difficult, but Takugin was managing to put together some capital based on fixed-term loans from big lenders at relatively high interest rates, and from the "call market".