See here
From the Life of Joseph Smith
In the weeks before and after the completion of the Kirtland Temple in the spring of 1836, the Saints experienced a time of harmony and a rich outpouring of the gifts of the Spirit. But the Prophet Joseph Smith warned the Saints that if they did not continue to live righteously, their joy and unity would not last. Daniel Tyler said of this time: “All felt that they had a foretaste of heaven. In fact, there were several weeks in which we were not tempted of the devil; and we wondered whether the millennium had commenced. At [a meeting of priesthood brethren], the Prophet Joseph addressed us. Among other things he said: ‘Brethren, for some time Satan has not had power to tempt you. Some have thought that there would be no more temptation. But the opposite will come; and unless you draw near to the Lord you will be overcome and apostatize.’ ”1
As that year wore on, a spirit of apostasy grew among some of the Saints in Kirtland. Some members became proud, greedy, and disobedient to the commandments. Some blamed Church leaders for economic problems caused by the failure of a Kirtland financial institution established by Church members. This failure occurred in 1837, the same year that a banking panic swept across the United States, compounding the Saints’ economic problems. As many as two or three hundred members fell away from the Church in Kirtland, sometimes joining with those who opposed the Church to torment and even physically threaten the Saints. Some apostates openly claimed that the Prophet was fallen and tried to have other men put in his place. Sister Eliza R. Snow recalled: “Many who had been humble and faithful to the performance of every duty—ready to go and come at every call of the Priesthood—were getting haughty in their spirits, and lifted up in the pride of their hearts. As the Saints drank in the love and spirit of the world, the Spirit of the Lord withdrew from their hearts.”2
Of the Church’s situation in May 1837, the Prophet lamented: “It seemed as though all the powers of earth and hell were combining their influence in an especial manner to overthrow the Church at once. … The enemy abroad, and apostates in our midst, united in their schemes, … and many became disaffected toward me as though I were the sole cause of those very evils I was most strenuously striving against.”3
Despite these challenges, the large majority of the leaders and members of the Church remained faithful. Brigham Young, a member of the Quorum of the Twelve Apostles during this uncertain period, remembered a meeting at which some Church members were discussing how to depose the Prophet Joseph: “I rose up, and in a plain and forcible manner told them that Joseph was a Prophet and I knew it, and that they might rail and slander him as much as they pleased, [but] they could not destroy the appointment of the Prophet of God; they could only destroy their own authority, cut the thread that bound them to the Prophet and to God, and sink themselves to hell. Many were highly enraged at my decided opposition to their measures. …
“This meeting was broken up without the apostates being able to unite on any decided measures of opposition. This was a crisis when earth and hell seemed leagued to overthrow the Prophet and Church of God. The knees of many of the strongest men in the Church faltered. During this siege of darkness I stood close by Joseph, and with all the wisdom and power God bestowed upon me, put forth my utmost energies to sustain the servant of God and unite the quorums of the Church.”4
Did you notice that? "Some blamed Church leaders for economic problems caused by the failure of a Kirtland financial institution established by Church members.".
But in fact the 'Church members" (evidently as opposed to "Church leaders") who had established the Kirtland 'Safety Society" were ... well, to know who is in charge of a bank (or even an anti-bank) you just look on the notes to see who signs them:
Hmmm. J. Smith. Sidney Rigdon. But of course it was God's fault, really:
http://www.utlm.org/onlineresources/jos ... hsbank.htm
Warren Parrish, who had been an officer in the bank and had apostatized from the Church, made this statement: "I have listened to him [i.e. Smith] with feelings of no ordinary kind, when he declared that the AUDIBLE VOICE OF GOD, INSTRUCTED HIM TO ESTABLISH A BANKING-ANTI BANKING INSTITUTION, who like Aaron's rod SHALL SWALLOW UP ALL OTHER BANKS (the Bank of Monroe excepted,) and grow and flourish and spread from the rivers to the ends of the earth, and survive when all others should be laid in ruins." (Painesville Republican, February 22, 1838, as quoted in Conflict at Kirtland, page 297)
Wilford Woodruff, who remained true to the Church and became the fourth President, confirmed the fact that Joseph Smith claimed to have a revelation concerning the bank. Under the date of January 6, 1837, he recorded the following in his journal: "I also herd [sic] President Joseph Smith, jr., declare in the presence of F. Williams, D. Whitmer, S. Smith, W. Parrish, and others in the Deposit office that HE HAD RECEIVED THAT MORNING THE WORD OF THE LORD UPON THE SUBJECT OF THE KIRTLAND SAFETY SOCIETY. He was alone in a room by himself and he had not only [heard] the voice of the Spirit upon the Subject but even an AUDIBLE VOICE. He did not tell us at that time what the Lord said upon the subject but remarked that if we would give heed to the commandments the Lord had given this morning all would be well." ("Wilford Woodruff's Journal," January 6, 1837, as quoted in Conflict at Kirtland, page 296)
Of course that is all anti-Mormon lies. Joseph Smith never had any role in the founding of the 'bank', and his signature on the bills is .... um ... a forgery. It was all done by some 'members' of the church, and the 'leaders' had no role in it. That's the way things were in Kirtland.