UNOFFICIAL Troubled Bank List as of 03/31/2013

Notes:
Source: FDIC SDI (http://www4.fdic.gov/SDI/main.asp) Please note that this is NOT the OFFICIAL FDIC troubled bank list!
Texas Ratio = 100 * (Non-performing Assets + Other REO) / (Equity + Loss Reserves)
Non-performing assets (npa) excludes those non-performing assets that are guaranteed by the US government.
Effective Tier 1 Leverage Ratio = 100 * (Tier 1 capital + loss reserves - LGD estimate) / (average assets - ineligible intangibles - LGD Estimate + loss reserves)
Where LGD Estimate = NPA_1st liens * 0.4 + NPA_HELOC * 0.8 + NPA_construction_loans * 0.6 + NPA_farm * 0.6 + NPA_commercial_RE * 0.6 +
NPA_commercial/industrial * 0.8 + NPA_consumer * 0.6 + NPA_other * 0.8
Effective Equity/Assets calculated with same LGD assumptions but with total equity instead of Tier 1 equity and total assets instead of average assets - ineligible intangibles
Banks highlighted in red have effective tier 1 leverage ratio less than 4%, the FDIC minimum
Banks highlighted in orange have effective tier 1 leverage ratio between 4% and 5%.
Banks highlighted in yellow have effective tier 1 leverage ratio between 5% and 6%
Banks highlighted in cyan are known to be taking measures to address their situation
Banks with Texas Ratios less than 40 are excluded.
This list represents a small subsection of US banks. The majority of banks are currently well capitalized.
Being on this list does not necessarily mean a bank will fail, as they can try to raise capital or to sell themselves to new investors or another bank
This list is a work in progress.
Forum discourse regarding the list on TickerForum.org
Rank	Name	City	State	Total Assets (000s)	NPA/ Assets	Equity/ Assets	Tier 1 Leverage Ratio	Tier 1 Risk-based Ratio	Total Risk-based Ratio	Texas Ratio	Effective Equity/ Assets	Effective Tier 1 Leverage Ratio		Notes
1	Providence Bank	Alpharetta	GA	116,945	34.03	9.17	6.18	7.21	8.26	339.17	-12.75	-17.87
2	Heritage Bank of North Florida	Orange Park	FL	103,960	35.37	-3.15	-3.12	-4.05	-4.05	1,042.42	-18.35	-17.78		Failed on 04/19/2013
3	Douglas County Bank	Douglasville	GA	317,288	25.51	0.26	0.36	0.48	0.97	2,258.40	-15.97	-15.80		Failed on 04/26/2013
4	Beach Community Bank	Fort Walton Beac	FL	587,162	30.38	5.31	5.00	6.32	7.58	449.24	-13.54	-13.75
5	Eastern Savings Bank, FSB	Hunt Valley	MD	465,225	40.80	6.42	6.42	9.46	10.03	522.13	-13.24	-13.24
6	The Peoples Bank	Covington	GA	108,894	25.07	3.48	3.42	4.73	5.99	510.66	-10.28	-10.51
7	Community South Bank	Parsons	TN	395,776	22.89	2.28	2.12	2.48	3.74	514.72	-10.34	-10.27
8	Legacy State Bank	Loganville	GA	69,778	24.83	5.99	6.02	7.79	9.04	342.19	-9.03	-9.29
9	First City Bank of Florida	Fort Walton Beac	FL	256,333	20.70	2.47	2.42	3.37	4.63	509.70	-8.44	-8.60
10	Sunrise Bank	Valdosta	GA	60,793	25.55	1.46	1.39	2.08	3.39	429.71	-8.55	-8.35		Failed on 05/10/2013
11	Texas Community Bank, National Association	The Woodlands	TX	227,872	19.62	3.17	3.25	4.98	8.74	383.70	-7.49	-7.68
12	First National Bank	Edinburg	TX	3,194,804	18.36	5.85	2.39	3.48	4.76	222.88	-2.71	-6.63
13	Peoples Bank & Trust	Buford	GA	305,006	18.26	4.10	4.23	5.94	7.05	375.48	-6.58	-6.60
14	First Community Bank of Southwest Florida	Fort Myers	FL	265,736	17.73	1.73	1.82	2.29	3.56	427.70	-6.76	-6.59		Failed on 08/02/2013
15	Gwinnett Community Bank	Duluth	GA	449,599	17.74	3.06	3.08	4.20	5.45	416.03	-6.66	-6.53
16	First South Bank	Spartanburg	SC	299,903	18.06	2.37	2.44	2.97	4.24	406.24	-6.54	-6.26
17	Bank of Las Vegas	Henderson	NV	247,357	17.31	2.25	2.21	2.89	4.16	380.13	-6.28	-6.16
18	The Bank of Georgia	Peachtree City	GA	331,074	18.57	5.74	4.21	5.33	6.67	255.29	-4.09	-5.93
19	Pisgah Community Bank	Asheville	NC	21,880	18.49	2.56	2.48	3.70	5.01	281.17	-6.08	-5.87		Failed on 05/10/2013
20	American Metro Bank	Chicago	IL	78,762	25.21	4.74	4.75	7.57	8.89	280.25	-5.63	-5.65
21	WestSide Bank	Hiram	GA	120,890	17.60	4.73	4.18	5.20	6.46	296.58	-5.11	-5.44
22	American Patriot Bank	Greeneville	TN	78,716	18.75	2.94	2.84	3.72	4.99	407.14	-5.33	-5.23
23	Anchor Commercial Bank	Juno Beach	FL	106,467	16.65	2.38	2.11	2.95	4.23	327.29	-5.02	-5.23
24	Eastside Commercial Bank	Conyers	GA	179,818	15.68	2.28	2.22	3.06	4.33	376.92	-5.29	-5.22
25	First National Bank of Crestview	Crestview	FL	97,249	18.19	4.82	4.29	6.99	8.26	276.28	-4.61	-5.14
26	First Citizens Bank of Georgia	Dawsonville	GA	93,566	15.98	3.07	2.94	3.55	4.80	357.28	-4.79	-5.03
27	Advantage Bank	Loveland	CO	258,820	18.12	4.58	4.41	5.82	7.08	276.98	-4.76	-4.66
28	Park Cities Bank	Dallas	TX	472,438	20.82	6.36	5.91	8.72	9.98	250.51	-4.90	-4.59
29	The Bank of Union	El Reno	OK	387,771	22.98	9.05	8.97	11.37	12.69	165.40	-4.49	-4.57
30	Archer Bank	Chicago	IL	469,197	16.73	3.18	2.46	4.22	5.53	291.38	-3.74	-4.38
31	Gulf Coast Community Bank	Pensacola	FL	178,070	14.20	2.20	2.30	2.90	4.14	336.99	-4.25	-4.15
32	Farmers & Merchants Bank	Lakeland	GA	585,712	14.75	3.04	2.92	4.27	5.54	318.89	-3.93	-4.03
33	Georgia Heritage Bank	Dallas	GA	63,822	11.94	2.62	2.62	3.52	4.77	334.31	-3.90	-3.97
34	Builders Bank	Chicago	IL	294,466	20.28	7.26	7.04	13.76	15.04	229.77	-3.67	-3.87
35	Metrobank	Berwyn	IL	621,570	19.36	3.40	2.08	3.41	4.75	246.54	-2.37	-3.70
36	Nantahala Bank & Trust Company	Franklin	NC	159,970	17.22	5.23	5.17	6.43	8.35	255.62	-3.57	-3.62
37	Bank of Eastman	Eastman	GA	205,972	17.22	5.02	4.71	7.37	8.63	260.62	-3.29	-3.58
38	Pinnacle Bank	Rogers	AR	91,917	23.57	9.94	10.20	13.64	17.94	208.77	-3.16	-3.51
39	Signature Bank of Georgia	Sandy Springs	GA	124,294	17.75	6.42	6.13	9.10	10.35	236.29	-3.25	-3.36
40	Capitol City Bank & Trust Company	Atlanta	GA	299,844	15.86	4.14	4.17	4.90	6.16	272.50	-3.47	-3.35
41	Decatur State Bank	Decatur	AR	115,552	12.60	3.20	2.94	4.41	5.62	313.21	-3.15	-3.26
42	Southern Bank and Trust Company	Mount Olive	NC	2,050,639	20.80	8.75	8.43	12.10	13.41	219.12	-2.73	-3.22
43	Mountain National Bank	Sevierville	TN	437,282	13.95	1.97	1.91	2.62	3.90	295.84	-3.29	-3.22		Failed on 06/07/2013
44	The Patterson Bank	Patterson	GA	110,616	17.41	4.77	4.81	6.60	7.87	252.67	-3.09	-3.19
45	Banks of Wisconsin	Kenosha	WI	134,024	18.40	2.17	1.93	2.67	3.99	268.92	-2.86	-3.09		Failed on 05/31/2013
46	First Federal Bank	Lexington	KY	92,982	16.06	0.87	0.90	1.20	2.40	341.33	-3.09	-3.06		Failed on 04/19/2013
47	Independence Federal Savings Bank	Washington	DC	72,473	15.14	2.40	2.31	4.16	5.44	330.32	-2.90	-3.00
48	First National Bank of Brookfield	Brookfield	IL	148,434	14.84	4.55	4.46	6.19	7.45	256.83	-2.53	-2.61
49	Columbia Savings Bank	Cincinnati	OH	40,891	20.79	3.60	3.52	5.84	7.13	332.59	-2.40	-2.35
50	Chipola Community Bank	Marianna	FL	37,471	8.22	0.76	0.78	1.55	2.83	346.18	-2.47	-2.35		Failed on 04/19/2013
51	The Community's Bank	Bridgeport	CT	28,273	9.07	4.79	2.57	4.42	5.68	160.35	0.07	-2.28
52	First Chatham Bank	Savannah	GA	430,060	11.62	3.64	3.50	5.63	6.88	243.60	-2.20	-2.10
53	Eagle Community Bank	Maple Grove	MN	20,340	13.71	5.31	5.27	7.27	8.47	222.51	-1.80	-2.01
54	Gold Canyon Bank	Gold Canyon	AZ	42,125	9.09	0.88	0.85	1.28	2.55	301.81	-2.04	-1.99		Failed on 04/05/2013
55	First Bank and Trust Company of Illinois	Palatine	IL	306,468	21.63	8.68	8.52	13.30	14.59	223.17	-1.92	-1.94
56	OptimumBank	Plantation	FL	135,707	19.46	7.48	7.10	8.68	9.93	208.23	-1.83	-1.92
57	Independent Banker's Bank of Florida	Lake Mary	FL	229,449	15.36	5.87	5.70	9.38	10.65	203.95	-1.89	-1.91
58	Northside Bank	Adairsville	GA	133,545	13.40	5.41	5.66	7.38	8.56	213.36	-1.77	-1.84
59	Sevier County Bank	Sevierville	TN	306,403	14.33	8.03	4.93	6.52	7.79	142.86	1.76	-1.78
60	1st Commerce Bank	North Las Vegas	NV	20,152	12.97	2.62	2.44	3.46	4.77	174.27	-1.89	-1.75		Failed on 06/06/2013
61	Bank of Jackson County	Graceville	FL	26,221	12.99	2.41	2.37	2.69	3.96	266.22	-1.67	-1.65
62	Central Arizona Bank	Scottsdale	AZ	31,550	12.71	2.13	2.13	2.87	4.18	210.12	-1.60	-1.60		Failed on 05/14/2013
63	DuPage National Bank	West Chicago	IL	61,353	13.34	4.31	4.18	7.47	8.73	205.22	-1.53	-1.55
64	United Central Bank	Garland	TX	1,795,061	23.05	8.37	8.03	19.72	21.12	179.36	-1.27	-1.49
65	AztecAmerica Bank	Berwyn	IL	80,876	19.29	5.09	5.08	6.96	8.24	238.14	-1.46	-1.47
66	Great Florida Bank	Coral Gables	FL	1,143,369	11.54	4.37	4.33	6.87	8.12	208.27	-1.26	-1.34
67	Horry County State Bank	Loris	SC	469,952	9.99	2.21	2.17	2.95	4.22	214.91	-1.28	-1.32
68	The Bank of Commerce	Sarasota	FL	224,152	10.37	3.02	3.33	4.36	7.79	230.59	-1.65	-1.32
69	Citizens State Bank	Kingsland	GA	67,024	14.54	6.64	5.27	7.14	8.40	177.34	0.35	-1.29
70	SUNRISE BANK OF ARIZONA	Phoenix	AZ	206,160	9.39	2.34	2.27	2.80	4.06	206.88	-1.23	-1.22
71	South Carolina Community Bank	Columbia	SC	81,031	13.82	4.53	4.55	7.01	8.29	198.95	-1.17	-1.18
72	Superior Bank	Hazelwood	MO	33,961	19.36	5.76	5.74	7.18	8.43	211.65	-1.17	-1.17
73	CornerstoneBank	Atlanta	GA	313,500	10.40	3.90	3.77	5.39	7.11	184.91	-0.84	-0.98
74	Bank of Wausau	Wausau	WI	48,525	10.02	1.87	1.84	2.92	4.19	217.82	-0.95	-0.91		Failed on 08/09/2013
75	Georgia Primary Bank	Atlanta	GA	210,438	21.27	7.90	7.65	9.35	10.64	188.48	-0.87	-0.86
76	Parkway Bank	Lenoir	NC	109,642	7.95	1.39	1.49	1.96	3.23	235.90	-0.95	-0.85		Failed on 04/26/2013
77	Delta Bank, National Association	Manteca	CA	95,309	18.27	9.48	9.32	17.28	18.53	177.47	-0.64	-0.83
78	State Central Bank	Keokuk	IA	139,589	10.68	3.19	2.54	4.33	5.62	183.27	-0.26	-0.81
79	Monterey County Bank	Monterey	CA	216,486	15.13	5.81	5.99	7.93	9.21	177.03	-0.70	-0.74
80	1st Advantage Bank	Saint Peters	MO	73,570	14.72	5.85	5.76	6.92	8.18	200.24	-0.53	-0.61
81	Plaza Bank, Norridge, Illinois	Norridge	IL	326,696	14.13	3.60	3.42	4.89	6.19	198.66	-0.37	-0.50
82	CenTrust Bank, National Association	Northbrook	IL	69,768	25.19	10.32	10.08	13.77	15.06	183.90	-0.36	-0.42
83	Affinity Bank	Atlanta	GA	276,631	9.62	3.52	4.13	5.04	6.30	196.65	-0.95	-0.39
84	The Citizens Bank of East Tennessee	Rogersville	TN	120,838	10.81	4.88	4.84	7.52	8.77	188.42	-0.56	-0.39
85	FirstSecure Bank and Trust Co.	Palos Hills	IL	58,544	10.72	2.99	2.88	5.69	7.00	175.45	-0.28	-0.32
86	First Covenant Bank	Commerce	GA	176,929	11.24	5.68	5.53	8.84	10.10	172.61	-0.08	-0.32
87	North Alabama Bank	Hazel Green	AL	106,337	13.95	9.44	7.16	9.54	10.79	132.30	2.42	-0.20
88	North Community Bank	Chicago	IL	788,945	14.59	4.37	4.16	6.22	7.56	198.62	-0.07	-0.19
89	The Foster Bank	Chicago	IL	395,085	13.45	5.72	5.55	7.11	8.38	162.44	-0.05	-0.18
90	First Citizens Bank of Polson, National Association	Polson	MT	22,466	18.93	10.89	9.19	14.14	15.48	147.47	1.63	-0.16
91	Golden State Bank	Upland	CA	85,744	13.27	5.61	5.61	7.24	8.51	169.89	-0.16	-0.16
92	NewDominion Bank	Charlotte	NC	307,274	9.20	3.66	3.38	4.36	5.62	165.93	0.11	-0.13
93	The Heritage Bank	Hinesville	GA	696,887	9.44	3.25	3.08	4.79	6.07	167.46	0.12	-0.10
94	Community Bank and Trust - West Georgia	Lagrange	GA	91,796	14.95	6.40	6.38	9.15	10.01	209.19	-0.07	-0.10
95	Community Bank and Trust - Alabama	Union Springs	AL	71,000	15.47	7.61	7.18	12.22	13.16	178.38	0.47	0.08
96	TransCapital Bank	Sunrise	FL	198,816	18.18	7.41	7.30	8.92	10.19	182.05	0.15	0.15
97	Security Savings Bank, SSB	Southport	NC	224,143	9.62	2.80	2.74	4.31	5.59	179.22	0.22	0.21
98	Boundary Waters Bank	Ely	MN	107,454	7.10	3.53	3.42	4.96	6.21	159.00	0.29	0.27
99	Enterprise Bank of South Carolina	Ehrhardt	SC	404,338	16.60	9.56	9.29	14.29	14.96	153.49	0.74	0.41
100	SUNRISE BANK OF ALBUQUERQUE	Albuquerque	NM	45,917	13.29	4.11	4.02	5.19	6.48	173.73	0.47	0.46
101	Heritage Bank	Jonesboro	GA	361,615	9.60	5.11	5.21	7.12	8.37	156.06	0.48	0.50
102	Stephens Federal Bank	Toccoa	GA	171,480	11.30	4.27	4.26	6.42	7.46	179.13	0.50	0.50
103	Millennium Bank, National Association	Sterling	VA	148,080	5.73	-0.62	2.23	2.59	3.84	492.74	-2.33	0.63
104	Idaho Banking Company	Boise	ID	106,720	11.86	3.19	3.20	3.78	5.08	158.36	0.75	0.73
105	First CornerStone Bank	King Of Prussia	PA	146,288	14.73	7.98	7.75	12.99	14.25	162.66	0.95	0.76
106	Friends Bank	New Smyrna Beach	FL	109,709	9.55	4.61	4.51	6.63	7.89	151.42	0.91	0.83
107	Community Bank of Pickens County	Jasper	GA	317,200	8.87	5.03	4.69	5.89	7.14	142.33	1.38	0.91
108	Tidelands Bank	Mount Pleasant	SC	511,269	9.58	5.04	5.06	6.95	8.20	150.84	0.92	1.00
109	Northwest Georgia Bank	Ringgold	GA	435,422	7.58	3.97	3.97	8.75	10.03	142.36	1.03	1.06
110	U. S. Century Bank	Doral	FL	950,672	12.25	5.33	5.21	6.21	7.46	150.65	1.10	1.07
111	Liberty FSB	Enid	OK	108,741	9.36	3.41	4.01	7.48	8.76	173.86	0.48	1.12
112	GreenChoice Bank, fsb	Chicago	IL	81,421	11.74	5.22	4.95	6.78	8.05	170.04	1.41	1.12
113	F & M Bank and Trust Company	Manchester	GA	92,200	8.09	3.30	3.21	4.89	6.17	147.10	1.28	1.14
114	Peoples State Bank of Commerce	Nolensville	TN	148,478	9.69	6.21	6.22	8.84	10.10	132.50	1.19	1.17
115	American Enterprise Bank	Buffalo Grove	IL	252,518	17.45	8.83	8.01	10.78	12.07	146.37	1.95	1.19
116	Legacy Bank of Florida	Boca Raton	FL	254,647	8.93	5.09	4.88	6.47	7.73	135.22	1.34	1.21
117	Securant Bank & Trust	Menomonee Falls	WI	202,342	12.10	4.26	4.30	5.86	7.15	150.48	1.26	1.25
118	Bank of Belton	Belton	MO	44,932	8.21	6.21	5.19	9.67	10.93	112.23	2.25	1.26
119	Cecil Bank	Elkton	MD	435,163	14.14	7.37	7.07	9.60	10.87	149.66	1.62	1.26
120	Premier Bank	Denver	CO	49,488	8.56	4.08	4.31	7.01	8.29	136.91	1.11	1.28
121	First Tuskegee Bank	Tuskegee	AL	63,023	14.14	8.54	8.59	13.26	14.51	150.50	1.44	1.29
122	Trust Company Bank	Mason	TN	34,430	3.69	7.30	2.12	2.56	3.67	44.81	6.54	1.29
123	Pinnacle Bank	Orange City	FL	169,642	10.24	4.69	4.82	7.08	8.36	141.85	1.18	1.36
124	First Federal Savings and Loan Association of Hammond	Hammond	IN	41,892	8.58	2.71	2.70	5.39	6.68	169.40	1.40	1.39
125	Mountain 1st Bank & Trust Company	Hendersonville	NC	697,463	5.12	2.82	2.80	5.14	6.41	117.29	1.43	1.40
126	The Bank of Macks Creek	Macks Creek	MO	21,861	13.41	5.85	5.61	9.11	10.38	170.96	1.58	1.42
127	The Farmers Bank	Forsyth	GA	65,027	13.57	7.77	7.73	12.24	13.50	146.36	1.54	1.46
128	American Bank of the North	Nashwauk	MN	559,945	10.88	5.77	5.35	7.24	8.52	131.31	1.90	1.52
129	United Trust Bank	Palos Heights	IL	43,931	12.48	7.60	7.55	11.21	12.18	151.17	1.59	1.53
130	Farmers & Merchants Bank	Statesboro	GA	175,878	9.91	4.73	4.74	7.53	8.82	136.66	1.58	1.58
131	PBI Bank	Louisville	KY	1,129,554	14.53	6.37	5.95	8.21	10.29	146.86	1.99	1.61
132	Frontier Bank, FSB	Park City	UT	184,910	6.88	2.41	2.33	4.59	5.90	128.07	1.78	1.71
133	Home Federal Bank of Hollywood	Hallandale Beach	FL	59,442	14.14	6.71	6.71	10.54	11.83	148.96	1.75	1.75
134	Baytree National Bank & Trust Company	Lake Forest	IL	149,458	7.12	4.39	4.22	7.53	8.80	115.72	1.83	1.76
135	Michigan Commerce Bank	Ann Arbor	MI	624,282	13.90	3.94	3.88	5.22	6.55	140.05	1.81	1.77
136	The Community Bank of Shell Knob	Shell Knob	MO	12,354	1.25	1.26	1.36	3.20	4.47	52.54	1.65	1.78
137	Highland Community Bank	Chicago	IL	81,752	5.80	3.40	3.09	5.52	6.80	99.73	2.07	1.80
138	Stonebridge Bank	Exton	PA	213,511	9.93	5.98	5.74	8.24	9.50	135.78	1.95	1.81
139	FSGBANK, National Association	Chattanooga	TN	1,040,667	2.32	2.24	1.90	3.41	4.68	65.60	2.18	1.84
140	Guaranty Bank	Milwaukee	WI	1,187,630	6.63	3.03	3.00	5.54	6.86	103.57	1.88	1.86
141	New Millennium Bank	New Brunswick	NJ	184,800	4.65	2.89	2.65	3.93	5.21	84.56	2.18	1.94
142	Winfield Community Bank	Winfield	IL	63,116	4.30	3.73	3.66	5.92	7.17	93.39	2.00	1.95
143	Metropolitan National Bank	Little Rock	AR	1,025,366	9.94	6.41	6.30	9.59	10.86	121.63	2.15	1.96
144	First Bank	West Des Moines	IA	93,472	7.77	4.49	4.70	7.34	8.61	120.62	1.80	1.98
145	Valley Bank of Nevada	North Las Vegas	NV	87,007	13.33	6.84	7.01	9.04	10.33	132.21	2.04	2.09
146	State Bank of Herscher	Herscher	IL	165,612	11.25	3.20	3.19	5.36	6.70	137.13	2.21	2.21
147	Village Bank	Saint Francis	MN	173,655	9.80	4.71	4.62	6.82	8.13	114.00	2.37	2.24
148	City National Bank of New Jersey	Newark	NJ	330,448	10.97	6.07	6.10	10.24	11.53	122.28	2.22	2.33
149	Northern Star Bank	Mankato	MN	25,826	5.54	3.96	3.83	5.25	6.51	94.83	2.58	2.49
150	Champion Bank	Parker	CO	65,662	19.25	9.11	9.54	12.42	13.71	154.34	2.42	2.53
151	Cornerstone Bank	Wilson	NC	132,079	7.17	4.74	4.63	7.62	8.90	106.32	2.63	2.54
152	Goldwater Bank, N.A.	Scottsdale	AZ	126,486	6.48	5.26	4.47	9.74	11.01	95.24	3.32	2.57
153	Liberty Bank, F.S.B.	West Des Moines	IA	332,513	12.81	5.82	5.80	9.63	10.94	130.96	2.60	2.58
154	Bank of Palatine	Palatine	IL	56,182	4.78	4.19	3.99	11.83	13.10	92.34	2.77	2.59
155	The Peoples Bank	Eatonton	GA	134,061	10.86	7.78	7.75	13.00	13.95	128.04	2.63	2.59
156	Syringa Bank	Boise	ID	160,749	3.92	3.09	2.83	3.53	4.80	71.24	2.90	2.65
157	Central Bank	Savannah	TN	139,369	7.84	4.41	4.37	6.23	7.52	104.10	2.68	2.65
158	First Mariner Bank	Baltimore	MD	1,300,601	3.35	3.58	3.63	6.59	7.84	75.47	2.58	2.66
159	Bank of Newington	Newington	GA	74,953	9.25	6.34	6.47	8.62	9.89	113.26	2.67	2.73
160	Slavie Federal Savings Bank	Bel Air	MD	158,408	8.56	3.60	3.60	6.41	7.71	123.79	2.75	2.75
161	Cornerstone Bank	Moorestown	NJ	268,749	5.80	4.89	4.66	6.47	9.20	91.58	2.88	2.75
162	First National Bank of Griffin	Griffin	GA	240,802	5.19	4.24	4.20	8.29	9.57	88.85	2.83	2.76
163	State Bank of Delano	Delano	MN	75,889	7.84	5.58	5.43	8.32	9.59	108.38	2.93	2.78
164	Bank of Bartlett	Bartlett	TN	366,118	5.83	6.80	5.06	8.85	10.12	74.14	4.66	2.83
165	SunSouth Bank	Dothan	AL	178,207	11.64	9.67	8.63	11.20	12.45	105.37	4.07	2.84
166	Florida Capital Bank, National Association	Jacksonville	FL	608,993	6.77	5.50	5.19	9.47	10.74	96.61	3.12	2.88
167	First Community Bank of Crawford County	Van Buren	AR	77,806	9.29	6.61	4.82	6.41	7.70	98.46	4.69	2.89
168	Bridgeview Bank Group	Bridgeview	IL	1,103,003	8.84	5.85	6.11	8.23	9.50	112.63	2.56	2.89
169	Edgebrook Bank	Chicago	IL	89,443	11.17	5.28	5.30	8.20	9.48	146.50	2.92	2.90
170	The Village Bank	Saint George	UT	119,654	8.66	10.74	6.05	8.13	9.40	66.58	7.99	2.92
171	AnchorBank, fsb	Madison	WI	2,367,750	9.16	4.76	4.53	7.71	9.02	112.57	3.19	2.95
172	Benchmark Bank	Gahanna	OH	110,267	10.14	5.54	5.41	8.39	9.66	133.98	3.05	2.96
173	One Bank & Trust, National Association	Little Rock	AR	423,098	6.36	4.71	4.71	7.05	8.31	97.74	3.00	3.00
174	Arthur State Bank	Union	SC	536,893	6.71	4.97	4.92	5.96	7.23	101.79	3.09	3.02
175	United Midwest Savings Bank	De Graff	OH	185,501	7.48	5.11	5.11	7.06	8.32	117.70	3.03	3.02
176	First Federal of South Carolina, FSB	Walterboro	SC	105,364	6.43	4.93	4.88	9.24	10.51	98.72	3.13	3.06
177	Americana Community Bank	Sleepy Eye	MN	121,294	4.09	3.38	3.25	4.86	6.13	76.39	3.20	3.07
178	McHenry Savings Bank	Mchenry	IL	244,768	5.54	3.80	3.86	6.72	7.99	100.68	3.03	3.09
179	Landmark Community Bank, National Association	Isanti	MN	100,164	9.08	6.80	6.54	9.20	10.45	114.81	3.43	3.12
180	Legacy Bank	Altoona	IA	90,366	7.70	6.91	7.03	11.17	12.39	97.48	3.14	3.15
181	Grand Mountain Bank, FSB	Granby	CO	98,391	10.18	5.54	5.51	8.57	9.88	116.32	3.19	3.16
182	American Bank	Bozeman	MT	305,120	15.33	9.50	9.23	11.48	18.49	126.14	3.31	3.20
183	Crown Bank	Ocean City	NJ	564,235	17.76	11.66	11.08	12.86	14.12	132.49	3.88	3.24
184	Pilot Bank	Tampa	FL	202,509	7.05	8.67	6.01	8.41	9.67	70.45	6.08	3.26
185	The Bank of Perry	Perry	GA	111,938	8.99	7.02	7.00	9.86	11.12	105.92	3.34	3.28
186	Flagship Bank Minnesota	Wayzata	MN	93,659	4.77	8.67	5.01	6.47	7.72	48.15	7.15	3.29
187	Mile High Banks	Longmont	CO	771,659	10.32	13.53	9.28	12.80	12.90	75.92	8.01	3.29
188	PlantersFIRST	Cordele	GA	285,525	7.51	5.74	5.59	8.81	10.08	98.97	3.45	3.31
189	HomeStar Bank and Financial Services	Manteno	IL	352,671	4.74	4.21	4.14	7.36	8.67	80.06	3.44	3.36
190	Park State Bank & Trust	Woodland Park	CO	84,783	12.74	9.28	8.95	13.96	15.22	119.83	3.65	3.38
191	First State Bank	Danville	VA	39,242	4.28	4.99	4.15	5.99	7.25	67.08	4.25	3.38
192	Eastside  Commercial  Bank, National Association	Bellevue	WA	43,935	10.45	7.04	6.86	9.69	10.97	108.51	3.49	3.39
193	The Brand Banking Company	Lawrenceville	GA	1,527,858	10.10	10.70	7.74	9.53	10.78	81.26	6.71	3.40
194	The Wilton Bank	Wilton	CT	75,123	14.42	10.07	10.03	17.64	18.90	127.03	3.43	3.42
195	Citizens Commerce National Bank	Versailles	KY	216,747	5.54	4.39	4.32	8.53	9.82	85.75	3.50	3.44
196	Fidelity Bank of Florida, National Association	Merritt Island	FL	299,597	9.50	5.49	5.50	8.35	9.65	108.40	3.51	3.53
197	Village Bank	Midlothian	VA	486,983	9.40	6.71	6.51	9.39	10.66	106.41	3.67	3.53
198	Liberty Bell Bank	Marlton	NJ	172,173	6.45	6.67	6.66	9.17	10.26	86.36	3.56	3.55
199	Four Oaks Bank & Trust Company	Four Oaks	NC	801,282	6.52	5.61	5.19	9.64	10.91	86.79	3.88	3.56
200	Flint River National Bank	Camilla	GA	25,810	8.31	6.53	6.31	10.61	11.89	99.63	3.75	3.58
201	St. Louis Bank	Town And Country	MO	400,762	10.32	8.40	7.12	11.02	12.29	99.57	4.94	3.59
202	PNA Bank	Chicago	IL	121,722	7.65	3.34	3.16	4.28	5.58	107.62	3.77	3.59
203	Farmers State Bank	Lumpkin	GA	46,806	3.58	5.44	4.59	9.03	10.29	55.31	4.48	3.61
204	Key Community Bank	Inver Grove Heig	MN	42,957	9.32	6.65	6.41	9.15	10.42	102.35	3.77	3.63
205	Oswego Community Bank	Oswego	IL	193,878	6.95	6.55	5.52	11.05	12.33	83.63	4.71	3.64
206	Peoples Bank & Trust Co.	Troy	MO	419,853	8.08	6.36	6.24	9.57	10.85	93.60	3.77	3.65
207	First Mountain Bank	Big Bear Lake	CA	143,148	11.29	8.03	8.17	11.09	12.36	112.81	3.61	3.66
208	Brickyard Bank	Lincolnwood	IL	134,892	12.98	8.09	8.01	12.31	13.58	125.33	3.77	3.66
209	Premier Bank	Maplewood	MN	554,934	9.83	8.81	7.81	9.35	10.61	94.92	4.78	3.67
210	Prime Security Bank	Karlstad	MN	60,163	9.18	6.85	6.75	9.54	10.80	105.48	3.75	3.68
211	Highlands Independent Bank	Sebring	FL	253,681	8.17	5.53	5.50	9.04	10.32	100.77	3.73	3.68
212	Community Bank of Oak Park River Forest	Oak Park	IL	304,567	12.09	7.40	7.66	10.36	11.65	112.11	3.66	3.73
213	Prime Pacific Bank, National Association	Lynnwood	WA	122,231	7.59	8.92	6.08	8.25	9.51	70.44	6.76	3.81
214	Central Virginia Bank	Powhatan	VA	387,182	6.55	4.82	5.83	10.44	11.71	99.21	2.81	3.83
215	State Bank of Countryside	Countryside	IL	625,300	8.15	7.55	6.65	9.10	10.37	86.83	4.78	3.85
216	Communityone Bank, National Association	Asheboro	NC	1,424,974	7.12	6.07	6.15	10.24	11.51	92.36	3.76	3.86
217	NEW FRONTIER BANK	Saint Charles	MO	116,542	7.12	6.31	6.21	9.55	10.83	82.58	3.94	3.86
218	The Ohio State Bank	Marion	OH	112,104	3.94	5.20	4.22	5.73	6.99	57.77	4.87	3.89
219	Citizens Bank & Trust Company	Eastman	GA	141,145	6.14	5.68	5.82	10.78	12.04	86.06	3.71	3.89
220	PrimeSouth Bank	Blackshear	GA	344,140	6.96	6.11	4.90	8.43	9.73	75.67	5.18	3.93
221	Community First Bank & Trust	Columbia	TN	499,769	8.50	7.24	7.10	12.13	13.40	91.91	4.08	3.95
222	PATRIOTS BANK	Liberty	MO	88,039	8.21	8.44	7.91	12.03	13.14	89.73	4.67	4.02
223	First State Bank and Trust	Tonganoxie	KS	234,443	7.66	8.84	7.08	10.83	12.09	74.76	5.94	4.04
224	First National Bank in Howell	Howell	MI	295,337	4.41	3.50	3.40	5.02	6.31	65.56	4.16	4.06
225	Pineland State Bank	Metter	GA	62,463	9.18	8.90	8.32	14.59	15.85	91.22	4.68	4.09
226	The Equitable Bank, S.S.B.	Wauwatosa	WI	347,764	8.99	7.27	7.59	11.14	12.29	111.26	3.65	4.09
227	Neighborhood National Bank	San Diego	CA	97,161	11.18	6.62	6.43	10.87	12.19	102.75	4.24	4.11
228	Union State Bank	Pell City	AL	249,029	8.21	7.29	7.23	12.19	13.46	91.34	4.18	4.12
229	CNLBank	Orlando	FL	1,265,074	4.28	9.05	5.55	8.50	9.76	42.28	7.71	4.13
230	Riverland Bank	Jordan	MN	35,164	6.86	6.32	6.11	8.59	9.86	82.76	4.27	4.13
231	Albina Community Bank	Portland	OR	120,947	2.70	4.11	4.09	6.15	7.42	46.94	4.23	4.21
232	Eagle Valley Bank, National Association	St. Croix Falls	WI	135,986	3.97	5.55	5.46	9.47	10.72	60.95	4.27	4.21
233	Alliance Bank & Trust Company	Gastonia	NC	176,139	8.96	6.70	6.51	9.20	10.48	96.83	4.33	4.22
234	BankCherokee	Saint Paul	MN	250,366	3.94	5.62	5.57	10.23	11.49	60.44	4.32	4.25
235	First National Community Bank	Chatsworth	GA	131,679	8.89	8.76	8.42	15.09	16.35	90.63	4.57	4.26
236	First State Bank	Wrens	GA	91,101	4.33	5.37	5.71	10.12	11.37	68.07	3.95	4.26
237	First Central Savings Bank	Glen Cove	NY	553,445	5.59	4.74	4.79	9.21	10.50	76.69	4.22	4.27
238	Heritage Bank & Trust	Columbia	TN	108,159	10.66	6.54	6.38	8.54	9.84	103.34	4.44	4.28
239	California Business Bank	Los Angeles	CA	51,277	4.42	2.88	2.69	3.97	5.29	58.79	4.60	4.29
240	Cornerstone Bank	Overland Park	KS	168,471	12.82	8.49	8.44	11.00	12.27	116.22	4.38	4.31
241	The Leaders Bank	Oak Brook	IL	365,251	11.99	7.53	7.34	8.68	9.97	99.99	4.50	4.31
242	Community Shores Bank	Muskegon	MI	204,688	3.11	4.64	4.57	6.77	8.04	49.83	4.38	4.32
243	Heritage Community Bank	Greeneville	TN	101,826	6.06	5.62	5.56	7.66	8.93	80.38	4.39	4.32
244	Seaway Bank and Trust Company	Chicago	IL	554,727	12.20	7.55	7.23	17.33	18.68	108.77	4.58	4.33
245	United Bank of Philadelphia	Philadelphia	PA	62,371	4.97	6.34	5.76	9.29	10.55	63.80	4.84	4.34
246	Peoples Bank of East Tennessee	Madisonville	TN	217,496	7.92	8.20	7.92	12.50	13.76	87.78	4.67	4.37
247	Atlantic Coast Bank	Jacksonville	FL	748,914	3.91	5.01	5.03	8.54	9.81	61.05	4.35	4.38
248	People's Bank and Trust Company of Pickett County	Byrdstown	TN	117,843	11.06	8.46	8.42	11.81	13.09	100.22	4.53	4.42
249	Gateway Bank, F.S.B.	San Francisco	CA	232,262	2.53	4.41	4.19	8.02	8.91	44.28	4.66	4.44
250	Brighton Bank	Brighton	TN	62,140	5.84	7.04	6.69	9.04	10.29	71.41	4.74	4.45
251	Park Federal Savings Bank	Chicago	IL	185,165	5.13	4.73	4.47	9.00	10.29	73.36	4.74	4.49
252	First Personal Bank	Orland Park	IL	168,501	6.45	7.64	6.58	11.81	13.08	70.96	5.59	4.49
253	South County Bank, National Association	Rancho Santa Mar	CA	144,911	4.94	5.44	5.30	10.91	12.21	62.06	4.67	4.53
254	Oxford Bank	Oxford	MI	265,882	4.87	5.44	5.43	7.73	8.99	70.39	4.56	4.54
255	NBRS Financial	Rising Sun	MD	218,656	4.27	4.98	4.96	7.48	8.75	61.41	4.58	4.55
256	Community Bank of Florida, Inc.	Homestead	FL	499,381	6.20	8.42	6.89	9.31	10.57	64.23	6.14	4.56
257	CoreFirst Bank & Trust	Topeka	KS	997,049	8.56	7.87	7.80	11.44	12.71	90.10	4.61	4.56
258	The Woodbury Banking Company	Woodbury	GA	23,245	6.34	6.71	6.33	10.13	11.39	75.46	4.89	4.58
259	First American State Bank	Greenwood Villag	CO	242,800	5.78	7.00	7.15	11.23	12.48	72.62	4.61	4.61
260	American Founders Bank, Inc.	Lexington	KY	312,507	5.34	4.92	6.26	9.43	10.68	86.54	3.20	4.64
261	The State Bank of Blue Mound	Blue Mound	IL	36,288	2.89	4.79	4.46	8.82	10.09	42.09	5.01	4.65
262	Highlands Union Bank	Abingdon	VA	597,971	4.71	6.31	5.90	8.94	10.19	62.40	5.10	4.67
263	Provident Community Bank, National Association	Rock Hill	SC	354,786	6.16	6.91	6.97	13.98	15.25	75.68	4.66	4.69
264	The Citizens Exchange Bank	Pearson	GA	29,313	6.92	8.26	8.13	20.20	21.46	77.38	4.96	4.72
265	Bank of Virginia	Midlothian	VA	250,370	2.52	5.31	6.15	10.05	11.25	42.46	4.08	4.73
266	Centrue Bank	Streator	IL	911,466	6.48	7.34	6.61	9.38	10.65	70.82	5.54	4.76
267	Doral Bank	San Juan	PR	7,723,436	10.42	8.65	8.43	11.54	12.80	102.80	5.03	4.77
268	The Carver State Bank	Savannah	GA	42,622	8.78	8.80	8.79	13.32	14.33	92.72	4.79	4.79
269	Citizens State Bank	Hudson	WI	140,306	3.63	5.92	5.37	7.82	9.09	48.82	5.36	4.81
270	The Citizens Bank of Logan, Ohio	Logan	OH	218,185	4.26	5.19	5.02	7.19	8.44	56.11	4.98	4.82
271	Colorado Community Bank	Yuma	CO	507,780	9.79	15.69	10.46	15.09	15.17	62.17	10.83	4.85
272	Alma Exchange Bank & Trust	Alma	GA	86,243	11.47	9.93	9.71	14.56	15.83	97.48	5.23	4.86
273	Allied Bank	Mulberry	AR	158,846	10.73	10.79	9.13	13.10	14.32	82.89	6.69	4.86
274	The First National Bank of Buhl	Buhl	MN	23,173	6.10	9.52	7.89	11.04	12.16	59.17	6.60	4.88
275	CoastalStates Bank	Hilton Head Isla	SC	417,276	5.74	8.52	6.64	10.95	12.20	60.27	6.78	4.89
276	Bank of Monticello	Monticello	GA	94,383	3.97	5.25	5.04	8.31	9.59	53.34	5.13	4.92
277	Home Savings Bank	Jefferson City	MO	27,981	10.09	8.98	8.98	16.45	17.71	101.04	4.96	4.96
278	Prairie Community Bank	Marengo	IL	121,008	9.11	7.12	6.70	10.51	11.81	85.97	5.38	4.96
279	Bank of Granite	Charlotte	NC	666,954	7.92	9.56	8.51	15.56	16.81	75.45	6.07	4.97
280	Grand Bank & Trust of Florida	West Palm Beach	FL	246,974	6.63	6.84	6.82	9.15	10.41	75.14	5.02	5.00
281	Ocean Bank	Miami	FL	3,372,470	5.30	10.74	7.05	9.99	11.24	45.07	8.87	5.01
282	Premier Bank Minnesota	Farmington	MN	173,418	8.23	8.38	8.47	10.73	11.82	84.64	4.95	5.02
283	Freedom Bank	Columbia Falls	MT	43,317	12.93	9.52	9.35	12.95	14.22	108.57	5.15	5.05
284	Citizens First State Bank of Walnut	Walnut	IL	57,029	4.06	6.65	5.95	12.19	13.37	49.90	5.80	5.08
285	Golden Eagle Community Bank	Woodstock	IL	138,845	9.09	8.22	8.35	10.15	11.36	93.32	5.00	5.10
286	First Financial Bank	Bessemer	AL	194,575	7.69	8.18	8.40	13.65	14.90	84.64	4.95	5.11
287	Harvest Community Bank	Pennsville	NJ	187,587	6.71	8.41	7.51	10.74	12.00	68.45	6.07	5.12
288	Valley National Bank	Espanola	NM	209,867	16.00	11.59	11.34	23.31	24.61	112.04	5.34	5.13
289	The First State Bank	Barboursville	WV	309,245	6.13	7.13	6.84	9.74	11.01	71.34	5.40	5.13
290	Gunnison Valley Bank	Gunnison	UT	74,524	12.11	9.82	9.86	11.40	12.65	107.11	5.17	5.19
291	Community 1st Bank Las Vegas	Las Vegas	NM	160,801	9.19	10.43	9.31	15.50	16.76	77.81	6.27	5.20
292	Bank of the Lakes, National Association	Owasso	OK	206,030	4.82	6.62	6.41	9.44	10.70	58.49	5.41	5.22
293	The National Republic Bank of Chicago	Chicago	IL	1,111,292	11.96	7.86	7.60	9.11	12.00	95.87	5.48	5.25
294	Rocky Mountain Bank	Jackson	WY	203,473	6.33	9.61	7.90	12.74	14.00	59.82	7.01	5.25
295	ProBank	Tallahassee	FL	66,198	8.86	6.98	6.88	11.19	12.48	88.64	5.31	5.25
296	Chambers Bank	Danville	AR	1,011,929	6.89	7.97	7.42	9.67	10.93	71.56	5.83	5.27
297	OMNIBANK, National Association	Houston	TX	295,831	9.81	10.53	8.38	12.23	13.50	77.39	7.48	5.28
298	Bank of Floyd	Floyd	VA	277,768	4.47	8.12	7.29	12.19	13.22	51.25	6.17	5.28
299	Allied First Bank,sb	Oswego	IL	125,649	3.20	6.84	6.28	9.43	10.68	40.36	5.86	5.28
300	North Milwaukee State Bank	Milwaukee	WI	89,658	8.58	7.43	7.23	10.45	11.74	84.14	5.56	5.32
301	Oxford Bank & Trust	Oak Brook	IL	461,761	7.33	8.50	8.28	12.34	13.60	76.31	5.54	5.32
302	Kaw Valley Bank	Topeka	KS	382,514	8.93	10.48	8.57	12.84	14.12	70.78	7.33	5.34
303	National Bank of Tennessee	Newport	TN	165,882	6.97	8.07	7.79	14.73	16.00	73.66	5.65	5.35
304	Bank of the Prairie	Olathe	KS	80,029	10.21	10.29	8.55	10.71	11.97	88.22	7.27	5.37
305	Lake Area Bank	Lindstrom	MN	272,211	8.12	9.40	8.25	11.37	12.62	71.66	6.64	5.37
306	The National Bank of Cambridge	Cambridge	MD	205,460	8.84	9.29	9.17	15.89	17.15	85.36	5.52	5.41
307	First Security Trust and Savings Bank	Elmwood Park	IL	229,304	11.30	11.21	8.05	14.76	15.73	80.60	8.64	5.43
308	Rabun County Bank	Clayton	GA	183,439	8.40	7.56	7.49	12.68	13.95	86.85	5.50	5.44
309	Devon Bank	Chicago	IL	238,300	7.28	7.67	6.94	10.11	11.36	71.38	6.21	5.47
310	The Bank of Elk River	Elk River	MN	357,766	4.54	8.31	5.84	8.12	9.40	42.85	7.96	5.47
311	Southeastern Bank	Darien	GA	373,128	9.82	9.41	9.02	16.15	17.42	86.87	5.82	5.50
312	Community First Bank, Inc.	Walhalla	SC	420,799	5.16	7.38	6.91	13.04	14.31	59.76	5.91	5.51
313	MBank	Gresham	OR	171,894	3.20	5.95	5.83	7.39	8.65	42.45	5.64	5.53
314	Community Bank of the South	Smyrna	GA	365,016	6.15	6.52	6.43	8.44	9.72	66.74	5.65	5.54
315	SouthPoint Bank	Birmingham	AL	195,674	6.41	7.89	7.61	9.85	11.11	67.81	5.79	5.54
316	Diamond Bank, FSB	Schaumburg	IL	173,761	6.17	3.67	5.12	6.99	8.28	89.70	4.10	5.55
317	Business Bank	Burlington	WA	102,223	4.47	6.53	6.73	7.80	9.06	55.40	5.41	5.58
318	Colonial Co-operative Bank	Gardner	MA	69,695	3.85	7.90	5.93	11.45	12.71	42.02	7.57	5.59
319	Monroe Bank & Trust	Monroe	MI	1,285,440	3.87	6.61	6.43	10.57	11.85	48.36	5.79	5.59
320	Union National Bank and Trust Company of Elgin	Elgin	IL	341,418	7.83	8.25	8.05	9.87	11.13	75.03	5.77	5.61
321	Community Bank-Wheaton/Glen Ellyn	Glen Ellyn	IL	354,432	4.03	6.66	6.82	10.52	11.78	52.29	5.49	5.61
322	New Peoples Bank, Inc.	Honaker	VA	708,237	6.29	7.52	7.04	11.80	13.08	65.32	6.09	5.61
323	Northbrook Bank and Trust Company	Northbrook	IL	1,675,689	5.11	8.60	7.70	10.78	12.04	54.56	6.60	5.62
324	Oriental Bank	San Juan	PR	8,634,964	5.31	9.66	7.34	12.19	14.23	49.32	8.00	5.63
325	Tennessee State Bank	Pigeon Forge	TN	729,708	10.00	9.21	9.12	12.56	13.83	90.77	5.74	5.65
326	Pan American Bank	Los Angeles	CA	39,606	10.86	8.00	8.23	13.77	15.05	106.27	5.51	5.67
327	Concord Bank	Saint Louis	MO	149,178	5.66	8.05	6.73	8.05	9.30	56.56	7.02	5.68
328	Synergy Bank, S.S.B.	Mckinney	TX	118,599	11.98	15.30	11.87	17.22	18.48	72.87	9.67	5.69
329	Peach State Bank & Trust	Gainesville	GA	137,219	7.97	8.27	7.97	11.83	13.10	78.42	5.96	5.69
330	Patriot Bank	Trinity	FL	122,654	6.43	12.21	8.43	10.54	12.49	48.83	9.73	5.74
331	Farmers & Merchants Bank	Eatonton	GA	207,247	13.24	11.99	11.66	18.11	19.37	100.01	6.17	5.75
332	Greeneville Federal Bank, FSB	Greeneville	TN	173,985	8.65	9.43	8.55	13.12	14.40	74.73	6.71	5.77
333	Anderson Brothers Bank	Mullins	SC	454,905	6.27	7.57	7.58	10.23	11.50	67.97	5.82	5.78
334	CertusBank, National Association	Easley	SC	1,764,744	13.27	12.83	11.63	21.26	22.52	95.34	7.00	5.80
335	Interamerican Bank, A FSB	Miami	FL	224,354	11.05	10.38	8.75	11.74	13.03	82.52	7.59	5.86
336	Enterprise Bank	Allison Park	PA	267,971	4.60	7.77	7.76	10.59	11.84	52.53	5.90	5.87
337	Texas Savings Bank	Snyder	TX	85,886	10.44	6.54	6.43	12.64	14.00	88.65	5.98	5.88
338	Heritage Community Bank	Randolph	NJ	146,259	4.58	6.63	6.67	7.78	9.05	50.46	5.86	5.89
339	LincolnWay Community Bank	New Lenox	IL	130,184	7.53	9.31	9.27	14.64	15.90	70.73	5.93	5.89
340	Lakeview Bank	Lakeville	MN	54,320	6.64	10.76	8.89	11.43	13.08	56.17	8.01	5.91
341	Layton State Bank	West Allis	WI	157,579	7.28	9.16	9.14	14.71	15.96	73.26	6.02	5.92
342	Banco Popular de Puerto Rico	Hato Rey	PR	27,515,000	7.97	9.73	8.09	11.86	14.17	68.54	7.70	5.93
343	Horizon Community Bank	Lake Havasu City	AZ	171,211	5.49	7.71	7.79	11.41	12.67	61.35	5.88	5.93
344	State Bank of Illinois	West Chicago	IL	186,783	7.51	9.28	8.60	12.57	13.83	71.78	6.71	5.94
345	Citizens Bank & Trust Co.	Marks	MS	128,350	5.29	9.34	8.95	11.11	11.86	53.10	6.26	5.96
346	Bank of Idaho	Idaho Falls	ID	239,765	4.61	7.38	7.23	11.49	12.71	51.99	6.14	5.97
Last updated by Obseedian on 08/16/2013
Changes:
7/27/2008
- Revised NPA and Texas Ratio to exclude US government guaranteed non-performing assets
- Excluded banks with Texas Ratio < 40.
8/1/2008
- Changed calculation of Effective Tier 1 Leverage Ratio and Effective Equity/Assets to use different loss estimate depending on loan type