Perfect fluid around black holes and naked singularities

We find analytical solutions for the spherically symmetric stationary distribution of a test perfect fluid with an arbitrary equation of state in the ReissnerNordström metric. These solutions describe the stationary accretion onto black hole and the static atmosphere of a fluid around the naked singularity. The electrically charged black hole evolves to a near extreme state by accretion of a phantom fluid with a threat of disappearance of the black hole event horizon and violation of the cosmic censorship. We argue, however, that back reaction of the accreting fluid onto the background metric prevents the transformation of the black hole into the naked singularity. PACS numbers: 04.20.Dw, 04.70.Bw, 04.70.Dy, 95.35.+d