UNOFFICIAL Troubled Bank List as of 03/31/2009

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	Community Bank of Lemont	Lemont	IL	85,879	36.30	1.35	1.21	1.41	2.83	1164.51	-22.25	-20.76
2	Security Bank of Gwinnett County	Suwanee	GA	322,295	34.14	1.18	1.12	1.50	2.79	771.99	-19.16	-18.00
3	City Bank	Lynnwood	WA	1,370,683	39.11	9.71	10.36	11.13	12.41	308.65	-13.30	-14.47
4	First Security National Bank	Norcross	GA	137,072	32.70	5.46	5.32	6.55	7.65	447.71	-15.02	-14.29
5	Southern Community Bank	Fayetteville	GA	371,695	25.90	3.68	3.51	4.89	6.13	518.03	-12.31	-12.30
6	Westsound Bank	Bremerton	WA	334,608	38.21	8.45	8.02	9.64	10.93	297.75	-12.37	-11.81		Failed on 05/08/2009
7	First State Bank of Altus	Altus	OK	105,469	28.48	4.92	4.59	5.81	7.11	302.85	-11.81	-11.71
8	Union Bank, National Association	Gilbert	AZ	128,563	31.85	6.51	4.27	4.92	6.19	350.92	-9.15	-11.24
9	Citizens Community Bank	Ridgewood	NJ	40,657	19.44	-0.58	-1.43	-2.09	-2.09	1367.13	-10.37	-10.92		Failed on 05/01/2009
10	First Piedmont Bank	Winder	GA	124,087	25.17	4.20	4.16	5.01	6.26	439.56	-10.68	-10.73
11	American Southern Bank	Kennesaw	GA	105,950	15.78	-0.29	-0.37	-0.47	-0.47	1015.43	-9.04	-9.48		Failed on 04/24/2009
12	Corus Bank, National Association	Chicago	IL	7,626,136	32.78	4.39	4.20	5.92	7.25	371.35	-10.17	-9.36
13	Security Bank of North Metro	Woodstock	GA	224,442	20.96	2.23	1.98	2.73	4.00	471.94	-9.13	-8.86
14	America West Bank	Layton	UT	281,564	22.46	-2.13	-2.14	-3.00	-3.00	486.93	-8.83	-8.62		Failed on 05/01/2009
15	Eastern Savings Bank, FSB	Hunt Valley	MD	1,008,821	47.39	13.10	13.02	17.15	18.41	324.95	-8.41	-8.52
16	McIntosh Commercial Bank	Carrollton	GA	366,780	22.96	4.60	4.48	5.60	6.87	345.67	-7.65	-7.92
17	Neighborhood Community Bank	Newnan	GA	212,616	23.24	2.47	2.25	2.79	4.09	346.25	-7.89	-7.66
18	BANKFIRST	Sioux Falls	SD	277,674	43.68	6.29	5.90	7.25	8.68	221.13	-7.67	-7.47
19	Mainstreet Bank	Forest Lake	MN	505,523	19.25	2.49	2.49	4.09	5.37	378.58	-7.17	-7.29
20	Vineyard Bank, National Association	Rancho Cucamonga	CA	1,855,830	22.22	3.76	3.49	4.16	5.44	331.91	-7.42	-7.00
21	Butler Bank	Lowell	MA	316,009	19.51	3.86	3.40	4.42	5.67	372.18	-6.42	-6.76
22	Bank of Lincolnwood	Lincolnwood	IL	212,718	23.13	1.22	1.16	1.33	2.63	393.43	-7.14	-6.59
23	Florida Community Bank	Immokalee	FL	980,440	21.80	6.76	4.28	5.49	6.78	210.88	-2.93	-6.01
24	Ebank	Atlanta	GA	151,621	16.15	2.94	3.05	4.37	5.62	403.38	-5.84	-5.71
25	Bank of Wyoming	Thermopolis	WY	94,601	22.94	5.36	4.05	7.53	8.81	294.34	-6.90	-5.55
26	MetroPacific Bank	Irvine	CA	75,316	15.76	3.61	3.51	4.08	5.36	226.54	-5.25	-5.33
27	Mutual Bank	Harvey	IL	1,697,211	19.43	3.92	3.60	4.14	7.02	280.33	-4.79	-5.14
28	The John Warner Bank	Clinton	IL	71,132	9.20	3.67	-2.55	-3.00	-3.00	123.11	1.17	-5.13
29	Community Bank of West Georgia	Villa Rica	GA	201,222	19.56	3.63	3.58	4.61	5.89	294.16	-5.21	-5.04
30	Community Bank of Nevada	Las Vegas	NV	1,575,415	23.75	6.19	5.81	6.79	8.08	232.15	-5.05	-4.82
31	Mesa Bank	Mesa	AZ	253,734	23.44	7.64	7.22	10.26	11.52	268.89	-4.23	-4.70
32	First Coweta Bank	Newnan	GA	169,223	16.10	3.25	3.28	4.01	5.28	291.38	-4.30	-4.32
33	Chestatee State Bank	Dawsonville	GA	277,525	24.66	6.84	6.86	7.79	9.08	231.73	-4.20	-4.31
34	Centennial Bank	Ogden	UT	241,440	23.81	7.52	8.14	8.74	10.01	246.38	-3.74	-4.14
35	Rock River Bank	Oregon	IL	77,035	10.53	0.83	0.86	0.87	1.74	353.05	-3.86	-3.60
36	The Gordon Bank	Gordon	GA	35,429	24.13	8.06	7.20	11.18	12.51	193.61	-2.11	-3.27
37	The Buckhead Community Bank	Atlanta	GA	972,628	14.56	6.19	4.69	5.71	8.27	188.78	-1.18	-3.14
38	Central Progressive Bank	Lacombe	LA	423,145	24.70	9.04	8.01	8.80	10.07	189.72	-1.93	-3.09
39	Horizon Bank	Pine City	MN	84,763	14.33	1.28	1.10	1.50	2.79	307.42	-3.23	-3.04
40	The Bank	Weatherford	TX	71,922	17.27	6.68	6.45	9.70	10.97	204.31	-2.97	-2.86
41	Warren Bank	Warren	MI	599,430	18.03	4.83	4.33	5.77	7.07	211.84	-2.38	-2.75
42	Premier American Bank	Miami	FL	381,073	18.92	5.39	5.55	6.45	11.52	209.40	-2.28	-2.38
43	Michigan Heritage Bank	Farmington Hills	MI	167,710	10.81	3.54	1.39	1.69	2.97	164.04	-0.17	-2.35		Failed on 04/24/2009
44	DESERT HILLS BANK	Phoenix	AZ	514,529	17.08	6.29	6.10	7.51	8.77	229.34	-2.35	-2.28
45	Gateway Bank of St. Louis	Saint Louis	MO	30,172	17.67	3.86	3.80	5.19	6.46	301.07	-2.29	-2.25
46	First Commerce Community Bank	Douglasville	GA	288,726	19.24	8.12	7.71	9.15	10.41	193.71	-1.76	-2.13
47	Sun Security Bank	Ellington	MO	404,425	17.34	7.28	7.11	9.45	10.72	193.11	-1.51	-2.08
48	Barnes Banking Company	Kaysville	UT	934,843	26.55	10.08	9.62	11.83	13.13	185.28	-1.86	-1.98
49	Citizens Bank and Trust Company of Chicago	Chicago	IL	83,230	15.98	4.86	4.78	6.21	7.46	230.04	-1.97	-1.95
50	Integrity Bank	Jupiter	FL	123,539	12.16	4.61	4.03	5.36	6.62	209.87	-1.60	-1.94
51	Jennings State Bank	Spring Grove	MN	56,869	13.08	4.46	3.12	4.41	5.69	193.42	0.12	-1.74
52	New Frontier Bank	Greeley	CO	1,774,588	16.35	3.41	3.29	3.82	5.12	188.86	-1.80	-1.63		Failed on 04/10/2009
53	Century Bank, a Federal Savings Bank	Sarasota	FL	899,329	13.70	3.90	4.49	6.22	8.70	270.52	-2.27	-1.61
54	Bank of Leeton	Leeton	MO	26,441	8.63	2.29	2.29	3.05	4.31	242.51	-1.58	-1.58
55	Valley Capital Bank, National  Association	Mesa	AZ	44,283	18.21	7.66	7.83	9.21	10.48	189.36	-1.44	-1.47
56	Republic Federal Bank, National Association	Miami	FL	472,514	15.19	-2.02	3.66	3.54	6.56	3206.61	-7.64	-1.42
57	First Bank of Kansas City	Kansas City	MO	17,864	18.94	8.95	6.50	7.96	9.24	165.43	1.48	-1.36
58	Federal Trust Bank	Sanford	FL	580,391	14.55	2.33	3.08	4.74	6.04	265.04	-2.07	-1.25
59	Habersham Bank	Clarkesville	GA	510,678	16.55	7.28	6.60	8.67	9.94	174.60	-0.43	-1.25
60	The State Bank of Lebo	Lebo	KS	21,296	10.40	4.03	3.79	5.96	7.23	178.49	-1.12	-1.13
61	The First National Bank of Danville	Danville	IL	164,724	10.59	5.42	3.02	3.39	4.67	121.30	1.21	-1.12
62	Bradford Bank	Baltimore	MD	482,828	10.90	5.32	2.86	4.32	5.61	139.47	1.61	-1.07
63	United Security Bank	Sparta	GA	159,049	13.43	5.13	5.73	7.17	8.19	227.62	-1.28	-1.02
64	Founders Bank	Worth	IL	966,463	8.77	3.05	2.97	3.41	5.87	182.31	-0.51	-0.60
65	First Suburban National Bank	Maywood	IL	182,291	11.08	5.18	4.88	7.08	8.07	188.31	-0.44	-0.60
66	Security Bank of Bibb County	Macon	GA	1,183,966	12.84	4.93	4.48	5.59	6.86	178.73	-0.28	-0.58
67	The First National Bank of Anthony	Anthony	KS	156,954	10.62	2.24	1.59	2.05	3.34	172.89	0.11	-0.47
68	First National Bank of Georgia	Carrollton	GA	913,268	13.91	7.15	6.79	9.11	10.36	166.11	0.11	-0.42
69	High Desert State Bank	Albuquerque	NM	91,276	22.86	9.25	8.78	10.86	12.13	193.34	-0.42	-0.40
70	Riverview Community Bank	Otsego	MN	127,337	10.98	3.81	3.39	4.55	5.82	168.23	0.02	-0.32
71	Silverton Bank, National Association	Atlanta	GA	4,157,246	7.00	1.18	1.30	2.35	4.70	190.81	-0.46	-0.32		Failed on 05/01/2009
72	Community First Bank	Prineville	OR	209,702	11.41	4.45	4.38	5.50	6.77	166.27	-0.16	-0.27
73	Peoples First Community Bank	Panama City	FL	2,087,681	15.06	6.93	6.94	9.26	10.51	187.37	-0.07	-0.06
74	Brickwell Community Bank	Woodbury	MN	81,533	12.79	4.70	2.07	2.49	3.83	109.56	2.60	-0.02
75	Commerce Bank of Southwest Florida	Fort Myers	FL	74,463	14.75	6.19	6.04	8.01	9.28	185.93	0.10	0.10
76	ISN Bank	Cherry Hill	NJ	116,821	14.28	4.04	3.83	5.49	6.81	152.28	0.21	0.17
77	The First State Bank of Winchester, Illinois	Winchester	IL	32,984	3.16	-1.47	-1.39	-1.54	-1.54	124.46	0.25	0.17
78	The Elizabeth State Bank	Elizabeth	IL	58,722	5.31	2.37	2.45	2.16	2.91	161.14	-0.08	0.21
79	Century Security Bank	Duluth	GA	112,202	11.23	5.88	5.70	6.85	8.04	161.41	0.23	0.23
80	Citizens National Bank	Macomb	IL	438,560	4.30	3.81	2.21	3.41	4.55	95.21	2.02	0.32		Failed on 05/22/2009
81	Key West Bank	Key West	FL	90,237	15.92	6.86	6.86	10.04	11.24	207.43	0.35	0.35
82	Community National Bank of Sarasota County	Venice	FL	99,013	11.81	5.53	5.29	6.93	8.19	165.70	0.55	0.38
83	Polk County Bank	Johnston	IA	150,828	14.78	8.71	8.51	11.52	12.78	152.57	0.54	0.43
84	Lincoln Park Savings Bank	Chicago	IL	217,960	12.11	4.40	4.14	5.84	7.11	181.33	0.56	0.48
85	Community Banks of Northern California	Tracy	CA	178,326	18.22	5.93	5.01	7.10	8.44	148.71	1.31	0.51
86	First Dupage Bank	Westmont	IL	310,505	14.60	5.22	5.74	6.93	8.18	161.65	-0.13	0.52
87	First Cherokee State Bank	Woodstock	GA	317,480	12.17	6.46	6.66	8.75	10.01	158.42	0.35	0.53
88	Washington First International Bank	Seattle	WA	660,297	18.42	8.66	8.68	9.56	10.84	155.61	0.51	0.55
89	Frontier Bank	Everett	WA	4,148,667	16.28	7.56	7.37	8.85	10.13	158.91	0.59	0.55
90	The Tattnall Bank	Reidsville	GA	63,015	11.22	4.54	4.37	5.84	7.11	160.46	0.68	0.58
91	Bank of Lenox	Lenox	GA	37,587	5.78	3.21	3.11	4.81	6.06	139.61	0.71	0.64
92	Home Federal Savings Bank	Detroit	MI	14,174	7.30	2.85	3.13	6.57	8.33	209.94	0.48	0.75
93	The Park Avenue Bank	New York	NY	523,239	6.90	2.03	4.10	4.59	5.58	237.32	-1.41	0.76
94	First BankAmericano	Elizabeth	NJ	162,295	8.45	2.18	1.89	2.68	3.98	138.03	0.98	0.76
95	AmTrust Bank	Cleveland	OH	14,389,618	13.31	4.80	4.82	7.99	9.28	174.69	0.76	0.79
96	Temecula Valley Bank	Temecula	CA	1,492,407	11.73	4.27	3.99	4.16	5.44	146.34	1.07	0.83
97	Seattle Bank	Seattle	WA	775,454	15.45	8.10	7.72	10.58	11.85	152.45	0.93	0.87
98	Cooperative Bank	Wilmington	NC	966,778	10.25	3.73	3.67	4.77	6.06	151.07	0.93	0.87
99	Citizens State Bank	New Baltimore	MI	197,771	12.13	6.39	6.50	7.55	8.78	147.48	0.74	0.87
100	The First State Bank of Burlingame	Burlingame	KS	48,990	2.30	1.31	1.09	1.51	2.77	86.57	1.14	0.92
101	AmericasBank	Towson	MD	154,924	10.09	3.39	3.41	4.87	6.17	150.32	0.97	0.97
102	Baytree National Bank & Trust Company	Lake Forest	IL	263,097	9.13	4.16	4.94	5.41	8.49	161.26	0.07	1.00
103	Plus International Bank	Miami	FL	91,940	15.55	12.94	12.74	47.85	49.11	116.28	1.06	1.01
104	Strategic Capital Bank	Champaign	IL	546,576	6.91	2.36	3.47	4.48	5.74	174.71	-0.20	1.04		Failed on 05/22/2009
105	Westernbank Puerto Rico	Mayaguez	PR	15,077,814	10.65	6.57	5.94	9.53	10.81	127.08	1.99	1.20
106	State Bank of Delano	Delano	MN	103,388	13.93	7.81	7.45	9.08	10.34	144.31	1.51	1.21
107	New South Federal Savings Bank	Irondale	AL	1,902,221	10.29	5.24	5.41	9.02	10.28	155.89	1.05	1.22
108	Great Basin Bank of Nevada	Elko	NV	238,940	4.95	3.06	2.68	4.06	5.33	103.89	1.57	1.25		Failed on 04/17/2009
109	Security Bank of North Fulton	Alpharetta	GA	209,142	7.41	4.46	4.38	7.09	8.35	127.31	1.44	1.32
110	The Bank of Bonifay	Bonifay	FL	236,579	9.73	5.31	5.01	7.56	8.83	138.38	1.47	1.33
111	The Peoples Bank	Covington	GA	184,947	14.41	7.97	6.46	10.02	11.29	140.49	1.83	1.37
112	First Bank	West Des Moines	IA	166,673	8.24	3.96	4.22	5.77	7.04	136.61	1.10	1.39
113	Bank of Hiawassee	Hiawassee	GA	436,158	14.21	8.08	7.61	9.04	10.30	139.60	1.96	1.46
114	Affinity Bank	Ventura	CA	1,231,347	8.12	3.84	4.50	5.97	7.23	147.77	0.73	1.48
115	Hometown Community Bank	Braselton	GA	133,719	10.52	4.99	4.84	6.69	7.97	141.27	1.65	1.48
116	Ventura County  Business Bank	Oxnard	CA	106,078	11.24	6.82	6.46	7.63	8.90	134.08	1.73	1.60
117	Premier Bank	Jefferson City	MO	1,510,536	13.87	7.14	7.06	8.42	9.69	143.03	1.71	1.61
118	First National Bank of Brookfield	Brookfield	IL	255,374	14.43	7.94	7.56	10.27	11.53	149.26	1.84	1.65
119	Olde Cypress Community Bank	Clewiston	FL	171,251	9.80	5.85	5.79	8.23	9.49	141.38	1.77	1.68
120	Montgomery Bank & Trust	Ailey	GA	259,255	11.97	7.35	7.39	9.02	10.27	141.51	1.67	1.69
121	First Bank of Beverly Hills	Calabasas	CA	1,260,354	6.73	3.77	3.23	5.20	6.48	113.96	2.14	1.70		Failed on 04/24/2009
122	Gwinnett Community Bank	Duluth	GA	502,950	12.89	7.33	7.58	9.04	10.29	147.39	1.46	1.70
123	American United Bank	Lawrenceville	GA	116,546	11.66	6.39	6.29	7.54	8.68	137.24	1.84	1.75
124	Venture Bank	Lacey	WA	1,093,863	9.15	2.13	5.18	5.32	6.58	236.79	-1.52	1.75
125	BankCherokee	Saint Paul	MN	238,024	13.46	7.93	7.53	9.62	10.90	130.53	2.22	1.76
126	Security Bank of Houston County	Perry	GA	383,056	8.22	5.18	5.10	8.77	10.03	126.21	1.86	1.77
127	Georgia Heritage Bank	Dallas	GA	94,047	13.69	8.36	7.77	9.62	10.88	144.45	2.30	1.78
128	McIntosh State Bank	Jackson	GA	443,871	11.98	7.34	6.46	8.38	9.65	132.74	2.72	1.81
129	Partners Bank	Naples	FL	75,737	7.47	9.73	4.97	6.84	8.04	69.42	6.90	1.82
130	Security Exchange Bank	Marietta	GA	199,845	13.63	7.91	8.15	10.54	11.80	146.00	1.78	1.85
131	Flagship National Bank	Bradenton	FL	198,476	13.00	5.24	4.73	6.72	8.02	146.81	2.21	1.88
132	1st American State Bank of Minnesota	Hancock	MN	23,559	17.53	6.11	5.79	8.90	10.26	134.45	2.05	1.93
133	CAPITAL COMMUNITY BANK	Provo	UT	141,272	15.35	9.88	10.09	12.50	13.49	143.87	1.95	1.99
134	Peoples Community Bank	West Chester	OH	675,359	7.84	2.19	1.81	2.82	4.15	116.74	2.38	2.01
135	Orion Bank	Naples	FL	2,808,322	8.96	4.95	5.30	7.58	9.60	130.70	1.59	2.02
136	Builders Bank	Chicago	IL	499,045	17.40	10.13	9.99	11.85	13.11	141.62	2.07	2.06
137	AmericanWest Bank	Spokane	WA	1,823,289	7.97	6.35	4.61	4.79	6.05	92.79	3.87	2.08
138	Community Bank of Cape Coral	Cape Coral	FL	98,804	7.14	6.67	5.28	6.34	7.12	97.59	3.54	2.12
139	Bank 1st	Albuquerque	NM	98,858	11.04	6.45	6.33	8.33	9.61	122.97	2.32	2.18
140	Bank of Florida - Southwest	Naples	FL	759,603	10.18	13.33	6.52	7.31	10.17	67.93	9.71	2.26
141	Columbia River Bank	The Dalles	OR	1,034,188	10.27	6.47	5.97	7.08	8.35	117.81	2.62	2.26
142	Douglas County Bank	Douglasville	GA	395,272	13.85	8.81	8.57	10.50	11.76	133.84	2.54	2.29
143	Farmers & Merchants Bank	Lakeland	GA	632,890	7.84	6.01	6.05	7.58	10.78	113.30	2.36	2.30
144	The First State Bank	Stockbridge	GA	667,519	15.68	8.52	8.42	9.99	11.26	139.82	2.45	2.31
145	Peninsula Bank	Englewood	FL	630,847	12.48	7.26	7.98	8.97	10.23	136.63	1.51	2.32
146	Millennium State Bank of Texas	Dallas	TX	126,719	5.25	3.25	3.15	4.41	5.70	85.78	2.41	2.33
147	Nexity Bank	Birmingham	AL	1,153,603	9.88	7.52	6.84	9.49	10.92	109.65	3.22	2.34
148	CapitalSouth Bank	Birmingham	AL	635,639	9.52	5.98	5.78	7.09	8.35	118.37	2.52	2.36
149	Home Savings of America	Little Falls	MN	452,634	8.06	5.96	5.12	9.94	10.79	125.67	3.28	2.39
150	First State Bank	Flagstaff	AZ	113,403	12.09	7.57	7.21	8.16	9.41	130.59	2.55	2.39
151	Mainstreet Savings Bank, FSB	Hastings	MI	113,980	5.19	4.73	4.19	6.84	8.04	95.13	3.04	2.47
152	Bank of Bartlett	Bartlett	TN	486,043	6.80	6.22	5.24	7.31	8.57	89.63	3.54	2.49
153	Ocean Bank	Miami	FL	4,626,122	15.89	7.58	7.46	11.27	12.57	145.32	2.61	2.51
154	State Bank of Aurora	Aurora	MN	31,783	12.21	6.88	6.90	9.19	10.47	124.27	2.53	2.53
155	Ohio Legacy Bank, National Association	Wooster	OH	190,132	7.26	4.99	4.96	7.58	8.85	105.76	2.57	2.54
156	Cape Fear Bank	Wilmington	NC	492,418	7.83	6.02	5.24	6.26	7.53	100.02	3.41	2.55		Failed on 04/10/2009
157	Champion Bank	Creve Coeur	MO	227,295	13.18	8.17	7.97	9.62	10.84	129.70	2.76	2.56
158	Park State Bank & Trust	Woodland Park	CO	100,389	10.63	7.76	7.57	10.30	11.56	112.73	2.91	2.57
159	Greater Atlantic Bank	Reston	VA	218,806	2.82	0.37	3.22	4.84	5.98	248.27	-0.32	2.57
160	Family Bank and Trust Co.	Palos Hills	IL	76,987	8.28	6.17	6.46	8.15	9.36	116.68	2.50	2.67
161	Bank of Elmwood	Racine	WI	336,928	8.66	3.79	3.54	4.71	6.00	116.18	2.93	2.68
162	Liberty Bank	Naples	FL	165,552	12.74	10.33	8.65	9.52	10.78	106.97	4.60	2.69
163	SouthwestUSA Bank	Las Vegas	NV	225,815	14.50	9.56	9.59	10.62	11.88	128.09	2.68	2.69
164	Coastal Bank	Merritt Island	FL	157,047	10.50	7.07	7.07	9.29	10.54	125.28	2.70	2.70
165	North Georgia Bank	Watkinsville	GA	196,417	8.97	6.65	6.96	8.82	10.05	116.72	2.54	2.72
166	Oakland Deposit Bank	Oakland	TN	124,339	8.14	9.96	6.16	7.70	8.95	73.25	6.84	2.73
167	AztecAmerica Bank	Berwyn	IL	74,388	11.38	8.09	8.04	8.26	9.36	124.11	2.84	2.80
168	Premier Bank Minnesota	Farmington	MN	203,347	11.53	7.61	7.59	9.26	10.52	119.93	2.90	2.81
169	Southern Colorado National Bank	Pueblo	CO	52,140	5.82	4.03	3.35	5.61	6.93	86.28	3.48	2.82
170	Texas National Bank	Mercedes	TX	68,986	12.12	10.47	8.01	10.76	12.04	93.31	5.85	2.82
171	First State Bank	Sarasota	FL	440,640	5.58	2.62	2.50	2.96	4.25	87.04	2.99	2.85
172	The Bank of Macks Creek	Macks Creek	MO	28,545	15.24	7.86	7.74	11.25	12.53	146.04	2.98	2.93
173	New Liberty Bank	Plymouth	MI	121,566	6.60	4.33	4.37	5.12	7.42	101.29	2.93	2.96
174	California National Bank	Los Angeles	CA	6,494,038	3.79	4.95	3.70	3.58	4.85	58.29	4.25	2.96
175	ShoreBank	Chicago	IL	2,698,635	6.77	5.93	5.73	9.92	11.18	94.03	3.36	2.98
176	Palm Desert National Bank	Palm Desert	CA	294,281	16.04	9.15	8.69	10.51	11.80	130.29	3.17	2.99
177	Western Community Bank	Orem	UT	133,300	11.05	7.35	7.52	9.03	10.29	118.05	2.94	3.01
178	Amcore Bank, National Association	Rockford	IL	5,284,516	7.84	5.55	4.62	6.22	8.84	90.31	4.03	3.03
179	Emigrant Bank	New York	NY	13,493,790	5.49	4.59	5.37	9.41	10.67	98.66	2.34	3.04
180	Adams National Bank	Washington	DC	303,290	16.37	9.33	8.88	11.27	12.55	131.18	3.33	3.07
181	R-G Premier Bank of Puerto Rico	Hato Rey	PR	6,975,845	11.21	7.32	6.70	9.59	10.87	118.24	3.73	3.08
182	Southern Bank of Commerce	Paragould	AR	30,516	7.69	4.10	4.31	7.68	8.97	112.46	2.92	3.10
183	High Trust Bank	Stockbridge	GA	213,402	14.16	10.17	10.66	10.95	12.11	125.90	2.96	3.11
184	First Arizona Savings, A FSB	Scottsdale	AZ	349,938	7.06	6.04	6.03	9.60	10.53	106.49	3.14	3.13
185	Gulf State Community Bank	Carrabelle	FL	125,071	12.87	8.65	8.42	10.26	11.53	121.26	3.29	3.14
186	First Resource Bank	Savage	MN	23,760	13.45	8.41	8.19	9.63	10.90	124.65	3.23	3.14
187	Legacy State Bank	Loganville	GA	131,291	9.96	7.94	8.44	12.01	13.04	115.72	3.04	3.15
188	The First National Bank of Florida	Milton	FL	450,476	12.90	9.01	8.78	11.95	13.22	120.10	3.51	3.20
189	The RiverBank	Wyoming	MN	552,650	11.03	8.40	8.40	9.83	11.09	109.72	3.66	3.25
190	Peoples Bank & Trust	Buford	GA	437,078	10.46	8.13	7.86	9.98	11.23	112.44	3.51	3.27
191	The Bank of Commerce	Wood Dale	IL	247,477	8.93	6.44	6.31	8.37	10.69	102.55	3.35	3.28
192	Community Capital Bank	Jonesboro	GA	200,509	11.67	8.79	8.83	12.36	13.61	118.10	3.61	3.31
193	Heritage Bank	Topeka	KS	60,881	8.68	5.70	5.31	6.99	8.28	89.76	3.68	3.31
194	Security Bank of Jones County	Gray	GA	453,303	5.96	5.63	5.77	9.18	10.43	92.86	3.25	3.31
195	Peotone Bank and Trust Company	Peotone	IL	150,621	6.01	5.82	5.25	6.41	7.67	83.84	3.86	3.31
196	Oconee State Bank	Watkinsville	GA	312,528	10.83	7.93	7.97	11.67	12.93	112.62	3.31	3.31
197	K  Bank	Randallstown	MD	677,752	7.94	5.64	5.53	7.57	8.84	99.63	3.43	3.33
198	The First National Bank of Barnesville	Barnesville	GA	147,124	11.89	8.50	8.55	10.22	11.48	118.43	3.39	3.36
199	Earthstar Bank	Southampton	PA	155,070	8.27	5.07	5.44	8.72	9.99	114.36	2.97	3.37
200	Northwest Bank & Trust	Acworth	GA	157,310	9.79	8.56	8.21	9.83	11.08	101.91	3.87	3.41
201	Parkway Bank	Rogers	AR	121,325	12.78	10.82	9.03	11.80	13.05	106.50	5.21	3.42
202	Patriot Bank	Brooklyn	IA	100,320	5.24	5.63	5.27	7.12	8.36	75.84	3.79	3.43
203	Charter Bank	Santa Fe	NM	1,394,392	5.94	5.94	5.72	9.00	10.23	88.39	3.68	3.43
204	First Federal Bank of North Florida	Palatka	FL	420,228	8.05	6.68	6.77	9.60	10.51	109.87	3.36	3.44
205	The Ohio State Bank	Marion	OH	150,349	5.53	4.88	4.38	5.98	7.24	81.38	3.97	3.45
206	First Covenant Bank	Norcross	GA	190,503	9.66	5.88	7.65	9.29	10.54	139.65	1.57	3.45
207	Blue Ridge Savings Bank, Inc.	Asheville	NC	263,801	15.31	8.13	7.63	9.77	11.05	139.24	3.74	3.49
208	Benchmark Bank	Aurora	IL	218,748	8.19	3.42	5.11	5.73	7.02	119.08	1.82	3.49
209	Plaza Bank	Irvine	CA	95,957	2.03	3.56	3.70	4.40	5.65	42.15	3.37	3.50
210	First Tuskegee Bank	Tuskegee	AL	80,192	9.14	7.66	7.88	11.18	12.43	106.77	3.30	3.52
211	United Bank and Trust Company	New Orleans	LA	24,709	5.18	5.20	5.06	8.20	9.45	86.09	3.63	3.53
212	Westbridge Bank and Trust	Chesterfield	MO	130,840	6.42	7.25	5.00	6.39	7.66	67.89	5.78	3.53
213	Patriot National Bank	Stamford	CT	970,005	8.87	6.74	6.74	8.80	10.07	104.97	3.66	3.55
214	The Bank of Commerce	Sarasota	FL	355,251	7.39	6.70	5.80	7.18	10.21	90.97	4.51	3.56
215	Legacy Bank	Scottsdale	AZ	223,190	8.83	6.55	5.93	7.92	9.20	95.67	4.01	3.56
216	Eagle Community Bank	Maple Grove	MN	33,773	10.71	8.00	7.65	9.93	11.18	115.49	3.77	3.59
217	Unity National Bank	Cartersville	GA	299,784	9.28	7.81	7.28	8.74	10.00	101.03	4.10	3.59
218	Valley Community Bank	St. Charles	IL	177,581	7.78	7.06	7.15	9.27	10.35	98.96	3.61	3.61
219	Traverse City State Bank	Traverse City	MI	201,657	4.83	7.18	5.35	7.14	11.06	57.37	5.49	3.62
220	MBank	Gresham	OR	318,980	10.14	8.14	8.24	9.86	11.11	106.20	3.64	3.63
221	Palos Bank and Trust Company	Palos Heights	IL	535,798	7.40	5.00	6.38	7.35	8.74	108.71	2.31	3.65
222	Emigrant Savings Bank - Long Island	Westbury	NY	478,659	6.31	4.10	5.87	10.99	11.32	147.28	1.80	3.66
223	Community Bank & Trust	Cornelia	GA	1,272,478	7.48	6.05	5.96	7.86	9.13	95.39	3.76	3.68
224	Prosperity Bank	Saint Augustine	FL	1,104,016	4.74	5.45	5.01	7.20	9.06	69.97	4.15	3.69
225	Sun American Bank	Boca Raton	FL	601,120	8.24	7.36	7.42	9.14	10.39	98.02	3.61	3.70
226	Valley Bank and Trust	Brighton	CO	244,121	7.71	7.17	6.98	8.33	9.47	94.62	3.82	3.70
227	First National Bank of Griffin	Griffin	GA	306,201	14.03	9.80	10.17	12.88	14.13	126.60	3.50	3.70
228	1st Financial Bank	Overland Park	KS	124,640	7.97	7.19	5.23	6.89	8.17	79.93	5.65	3.70
229	The Apple Valley Bank & Trust Company	Cheshire	CT	84,568	3.48	6.80	4.99	7.26	8.51	45.64	5.62	3.75
230	The Exchange Bank	Skiatook	OK	98,399	5.60	6.64	5.75	8.51	9.77	72.98	4.70	3.78
231	Albina Community Bank	Portland	OR	228,978	7.91	6.92	7.24	9.34	10.59	95.44	3.60	3.80
232	Inter Savings Bank, fsb  D/B/A  Interbank,  fsb	Maple Grove	MN	836,362	6.51	5.57	5.49	7.53	8.78	95.30	3.90	3.82
233	Imperial Capital Bank	La Jolla	CA	4,516,173	5.24	5.35	5.16	6.87	8.13	77.85	4.00	3.83
234	Stoneham Savings Bank	Stoneham	MA	455,558	6.56	7.32	7.03	9.10	10.26	80.08	4.20	3.83
235	First Utah Bank	Salt Lake City	UT	379,432	11.97	8.31	7.95	9.49	10.76	108.52	4.28	3.84
236	Truman Bank	St. Louis	MO	475,685	9.96	8.72	6.92	8.89	10.16	90.59	5.69	3.88
237	Frontier Bank	Rock Rapids	IA	166,587	4.18	5.66	5.89	9.60	10.56	66.89	3.65	3.89
238	Appalachian Community Bank	Ellijay	GA	1,142,122	5.92	6.29	5.99	8.06	10.08	79.50	4.25	3.90
239	Heritage Bank	Jonesboro	GA	481,194	7.92	7.12	6.89	9.44	10.71	91.03	4.27	3.92
240	First Mariner Bank	Baltimore	MD	1,271,811	5.71	6.58	6.18	7.34	9.14	76.82	4.43	3.93
241	Border Trust Company	Augusta	ME	91,790	4.89	7.36	6.61	10.32	11.35	60.98	4.74	3.97
242	Americana Community Bank	Sleepy Eye	MN	185,439	7.89	6.48	6.34	7.08	8.34	95.41	4.16	3.97
243	Premier Bank	Maplewood	MN	608,829	11.42	8.73	8.81	10.05	11.31	108.33	3.95	3.98
244	Riverside National Bank of Florida	Fort Pierce	FL	3,772,166	5.68	6.21	5.50	6.61	7.87	71.86	4.67	3.98
245	Brickyard Bank	Lincolnwood	IL	195,809	6.76	6.50	6.46	7.72	8.97	87.78	4.08	3.99
246	InBank	Oak Forest	IL	216,815	11.58	9.34	9.10	10.99	12.24	111.34	4.19	3.99
247	First City Bank of Florida	Fort Walton Beac	FL	309,792	6.59	6.53	6.60	8.25	9.50	87.46	3.98	3.99
248	Oxford Bank	Oxford	MI	361,315	6.17	4.75	4.52	6.15	7.43	82.00	4.22	4.00
249	Premier Bank Rochester	Rochester	MN	161,654	10.05	7.84	8.07	9.48	10.75	104.36	3.89	4.00
250	Emigrant Savings Bank - Brooklyn/Queens	Brooklyn	NY	728,937	5.09	3.85	5.82	12.49	12.80	127.45	2.00	4.00
251	Community Bank and Trust - West Georgia	Lagrange	GA	135,167	12.59	8.19	8.56	12.01	13.28	128.89	3.89	4.04
252	Doral Bank	San Juan	PR	9,005,399	7.38	5.16	6.34	12.56	13.83	110.05	2.82	4.05
253	Jefferson Bank	Dallas	TX	387,023	4.94	5.97	5.75	8.11	9.36	69.82	4.26	4.05
254	Florida Capital Bank, National Association	Jacksonville	FL	1,043,484	7.00	6.84	6.87	8.96	10.22	85.85	4.15	4.07
255	Citizens First Savings Bank	Port Huron	MI	1,917,233	6.14	4.41	6.02	7.03	8.20	105.60	2.39	4.08
256	Savanna-Thomson State Bank	Thomson	IL	68,914	8.35	13.00	9.01	10.95	11.31	62.89	8.55	4.08
257	Lake Country Community Bank	Morristown	MN	41,259	9.89	7.47	7.10	9.75	11.01	107.20	4.45	4.09
258	Horizon Bank	Bradenton	FL	221,869	6.38	6.39	6.92	9.25	10.26	89.35	3.59	4.10
259	The Bank of Soperton	Soperton	GA	47,095	11.66	7.65	8.18	13.28	14.57	115.02	3.46	4.11
260	First Bank of Jacksonville	Jacksonville	FL	96,665	8.85	7.59	7.01	8.93	10.20	91.29	4.78	4.13
261	Bayside Savings Bank	Port Saint Joe	FL	88,845	7.63	16.65	7.34	9.40	10.65	42.92	14.07	4.14
262	Strata Bank	Medway	MA	372,283	2.89	5.58	4.81	6.78	8.03	44.10	4.93	4.16
263	ProGrowth Bank	Nicollet	MN	152,700	6.58	5.20	6.95	8.89	10.02	105.96	2.42	4.16
264	Independence Federal Savings Bank	Washington	DC	186,924	3.28	4.30	5.04	10.11	11.35	65.42	3.41	4.17
265	First National Bank in Howell	Howell	MI	377,598	10.61	7.18	6.93	8.17	9.45	99.64	4.40	4.18
266	Bank of Jackson County	Graceville	FL	36,779	6.65	7.93	7.64	10.89	11.78	77.71	4.42	4.19
267	Badger State Bank	Cassville	WI	101,807	7.24	7.52	7.44	9.75	11.01	83.95	4.25	4.19
268	Northwest Georgia Bank	Ringgold	GA	596,665	4.75	6.52	6.08	9.89	13.05	64.22	4.63	4.19
269	Regal Financial Bank	Seattle	WA	183,589	8.98	7.94	8.45	9.93	11.19	96.72	3.93	4.19
270	Piedmont Community Bank	Gray	GA	257,333	7.84	7.65	7.43	8.81	10.07	88.70	4.45	4.20
271	The Farmers Bank	Lincoln	NE	19,709	6.60	6.52	6.31	8.99	10.25	82.28	4.47	4.20
272	Peoples State Bank	Hamtramck	MI	480,593	5.80	6.04	5.89	7.52	8.78	75.73	4.42	4.25
273	Park View Federal Savings Bank	Solon	OH	903,463	8.59	8.11	7.86	10.14	11.39	93.11	4.53	4.25
274	Prosperan Bank	Oakdale	MN	208,305	8.08	6.72	7.50	9.23	10.48	102.27	3.33	4.26
275	Colombo Bank	Rockville	MD	191,594	2.80	5.90	5.97	8.92	9.08	46.49	4.20	4.28
276	Security Bank, National Association	North Lauderdale	FL	164,864	11.40	8.93	8.73	13.48	14.74	109.74	4.40	4.28
277	Arrowhead Community Bank	Glendale	AZ	87,629	9.52	5.64	5.34	6.93	8.24	92.53	4.64	4.29
278	SunFirst Bank	Saint George	UT	243,997	12.04	10.81	10.39	12.80	13.95	102.38	4.61	4.30
279	VisionBank of Iowa	West Des Moines	IA	114,261	9.33	8.20	8.50	10.49	11.74	98.58	4.19	4.31
280	First State Bank	Wilmot	SD	40,674	9.64	5.30	7.88	11.29	12.55	134.81	1.42	4.33
281	Eurobank	San Juan	PR	2,899,809	5.48	5.79	6.48	8.89	10.14	78.26	3.73	4.36
282	Crescent Bank and Trust Company	Jasper	GA	1,061,637	4.97	5.28	5.25	6.51	7.77	67.97	4.40	4.36
283	Family Federal Savings of Illinois	Cicero	IL	61,778	14.92	9.93	9.90	13.57	14.84	126.23	4.38	4.36
284	The Bank of Miami, National Association	Coral Gables	FL	700,301	13.91	10.24	9.50	9.43	10.70	106.04	5.50	4.38
285	Eastside Commercial Bank	Conyers	GA	245,854	6.93	7.12	7.34	8.78	10.03	83.72	4.28	4.39
286	AmericanFirst Bank	Clermont	FL	94,580	7.86	9.55	7.47	9.06	10.31	73.02	6.57	4.40
287	Mirae Bank	Los Angeles	CA	480,619	6.12	3.24	3.12	4.23	5.55	71.00	4.49	4.41
288	American Founders Bank, Inc.	Frankfort	KY	542,682	5.36	9.29	6.26	8.53	9.79	50.77	7.64	4.42
289	Access Bank	Champlin	MN	38,150	10.52	6.97	6.81	8.46	9.76	99.04	4.60	4.43
290	Coastal Community Bank	Panama City Beac	FL	375,973	6.99	8.28	7.42	9.12	10.30	75.81	5.38	4.44
291	Southwest Community Bank	Springfield	MO	129,594	6.18	5.85	6.33	7.94	9.20	88.62	4.08	4.46
292	Park State Bank	Duluth	MN	32,455	5.12	6.89	7.12	9.07	10.32	64.28	4.32	4.47
293	Sandhills Bank	North Myrtle Bea	SC	70,137	6.85	6.47	5.49	7.16	8.43	74.61	5.49	4.47
294	HomeStreet Bank	Seattle	WA	3,071,781	10.18	7.74	7.57	10.08	11.36	96.69	4.67	4.47
295	Community Bank of the South	Smyrna	GA	396,760	9.00	7.83	7.65	9.10	10.34	91.18	4.63	4.49
296	Community Bank of Arizona	Glendale	AZ	139,534	18.76	13.01	12.82	17.68	18.96	121.65	4.61	4.50
297	Croydon Savings Bank	Croydon	PA	12,917	11.63	7.60	7.27	12.35	13.64	111.26	4.74	4.53
298	Manatee River Community Bank	Palmetto	FL	162,046	4.18	5.95	5.95	9.17	9.63	66.06	4.54	4.54
299	Great Florida Bank	Coral Gables	FL	1,741,343	8.77	8.35	7.41	10.51	11.79	83.57	5.49	4.56
300	Horizon Bank	Bellingham	WA	1,467,551	7.13	6.29	6.11	7.29	8.58	79.67	4.72	4.56
301	The Park Avenue Bank	Valdosta	GA	1,345,924	7.00	7.49	6.80	9.22	10.48	77.71	5.26	4.56
302	Bank of the Cascades	Bend	OR	2,296,456	9.97	8.56	8.46	8.94	10.21	92.96	4.72	4.56
303	Heartland Bank	Leawood	KS	197,750	8.97	8.37	6.89	8.18	10.47	78.08	6.20	4.58
304	OneWest Bank, FSB	Pasadena	CA	16,182,476	7.54	10.12	9.76	21.52	21.52	74.45	7.22	4.58
305	Bank of Florida - Southeast	Fort Lauderdale	FL	538,027	5.78	9.73	6.42	7.54	10.15	51.24	8.03	4.59
306	Bramble Savings Bank	Milford	OH	55,218	9.37	6.48	7.02	10.49	11.76	116.48	4.24	4.60
307	Columbia Savings Bank	Cincinnati	OH	60,240	9.83	8.44	8.20	13.32	14.58	102.55	4.76	4.60
308	Emigrant Savings Bank - Bronx/Westchester	Bronx	NY	997,922	2.88	3.30	5.62	13.26	13.49	84.75	2.27	4.62
309	Minnwest Bank Metro	Eagan	MN	303,349	7.03	9.47	8.34	9.71	10.73	67.92	5.80	4.63
310	De Witt State Bank	De Witt	NE	40,099	6.25	7.58	6.96	9.53	10.79	73.37	5.36	4.64
311	Republic Bank of Georgia	Lawrenceville	GA	158,018	9.70	8.75	8.45	9.46	10.72	95.71	4.87	4.64
312	Community National Bank	Lino Lakes	MN	56,077	19.16	12.79	12.72	16.47	17.75	123.01	4.71	4.65
313	HarVest Bank of Maryland	Rockville	MD	207,443	6.07	8.12	6.77	9.28	10.32	68.46	6.07	4.66
314	Towne Bank of Arizona	Mesa	AZ	142,988	31.18	15.40	14.26	16.48	17.81	137.52	5.22	4.68
315	Beach Community Bank	Fort Walton Beac	FL	691,590	7.42	8.26	7.62	10.28	11.44	80.96	5.19	4.68
316	Northside Bank	Adairsville	GA	149,272	5.92	6.86	6.72	8.63	9.88	73.28	4.81	4.69
317	Bank of Illinois	Normal	IL	235,726	6.74	8.29	8.10	10.30	10.94	76.52	4.83	4.69
318	Edgebrook Bank	Chicago	IL	79,898	8.52	7.74	7.42	10.28	11.53	95.42	4.91	4.70
319	Sun West Bank	Las Vegas	NV	430,906	11.33	9.49	9.52	10.62	11.88	97.75	4.77	4.73
320	Enterprise Bank	Allison Park	PA	179,108	5.03	7.30	7.33	9.35	10.42	61.89	4.74	4.74
321	American Marine Bank	Bainbridge Islan	WA	398,300	7.83	8.29	8.29	10.74	11.99	83.40	4.74	4.74
322	The Community Bank, A Massachusetts Cooperative Bank	Brockton	MA	409,683	4.66	6.04	5.92	8.44	9.70	63.33	4.87	4.74
323	Decatur First Bank	Decatur	GA	235,907	5.38	7.01	6.97	9.14	10.09	68.15	4.81	4.75
324	Turnberry Bank	Aventura	FL	248,838	9.32	8.40	8.38	11.37	12.62	95.75	4.82	4.79
325	State Bank of Cokato	Cokato	MN	62,994	8.58	8.01	7.92	9.25	10.52	86.06	4.85	4.79
326	Colonial Bank	Montgomery	AL	26,365,446	4.17	5.60	5.54	8.02	10.78	57.19	4.89	4.80
327	West Town Savings Bank	Cicero	IL	58,445	2.46	5.77	5.66	11.69	12.18	41.01	4.90	4.80
328	North County Bank	Arlington	WA	364,914	7.96	7.05	7.07	8.74	10.01	85.47	4.79	4.80
329	Anchor Mutual Savings Bank	Aberdeen	WA	698,868	8.04	7.96	8.08	10.91	12.17	85.39	4.84	4.82
330	LibertyBank	Eugene	OR	901,876	8.77	7.86	7.76	8.51	10.38	87.49	4.92	4.84
331	Emigrant Savings Bank - Manhattan	New York	NY	1,149,817	2.60	3.35	5.71	12.92	13.23	74.75	2.46	4.85
332	Rocky Mountain Bank & Trust Florence	Florence	CO	223,479	6.96	2.78	7.22	9.17	10.43	170.43	0.17	4.87
333	Synergy Bank, S.S.B.	Mckinney	TX	160,299	5.66	9.68	7.75	9.95	10.67	55.45	7.03	4.88
334	Evergreen Bank	Seattle	WA	488,446	7.11	6.78	6.91	7.95	9.22	80.28	4.80	4.89
335	The Peoples Bank	Winder	GA	518,413	5.16	7.19	6.87	10.63	11.88	63.42	5.17	4.90
336	First Bank of Dalton	Dalton	GA	128,834	9.70	7.17	7.11	9.39	10.67	95.85	4.97	4.90
337	North American Banking Company	Roseville	MN	221,901	6.46	7.88	7.67	9.19	10.38	72.85	5.15	4.93
338	Ravenswood Bank	Chicago	IL	339,597	7.72	8.01	8.00	9.40	10.66	82.63	4.88	4.94
339	Lydian Private Bank	Palm Beach	FL	2,089,477	4.76	4.77	5.93	8.61	10.22	83.45	3.79	4.95
340	Gunnison Valley Bank	Gunnison	UT	79,773	13.31	9.92	9.89	11.71	12.98	112.70	4.97	4.95
341	Metro Bank of Dade County	Miami	FL	520,174	7.71	8.20	8.33	10.39	11.65	81.05	5.05	4.95
342	Putnam State Bank	Palatka	FL	192,018	8.28	8.52	8.45	9.02	10.28	83.96	5.05	4.96
343	FIRST STATE BANK OF THE FLORIDA KEYS	Key West	FL	840,367	4.03	6.47	6.31	11.37	12.62	55.95	5.15	4.96
344	First National Bank & Trust Company in Larned	Larned	KS	54,206	8.87	8.54	8.23	14.29	15.57	85.52	5.33	4.97
345	SolutionsBank	Overland Park	KS	538,760	6.10	7.12	6.69	7.96	9.22	66.57	5.48	4.97
346	Lakeside Community Bank	Sterling Heights	MI	67,594	9.24	8.15	8.59	11.21	12.47	93.04	4.69	4.98
347	BankHaven	Haven	KS	24,075	4.91	7.67	5.99	9.77	11.04	51.37	6.70	4.99
348	Home Valley Bank	Cave Junction	OR	256,568	7.23	7.39	7.48	9.37	10.63	80.86	4.95	4.99
349	Paragon Bank & Trust	Holland	MI	123,134	7.10	8.31	7.43	8.75	10.01	70.29	6.33	5.00
350	Bartow County Bank	Cartersville	GA	445,194	4.82	6.70	6.76	9.25	10.49	63.60	5.00	5.01
351	Community Bank of Manatee	Lakewood Ranch	FL	257,760	6.65	7.01	6.83	8.07	10.70	73.42	5.16	5.02
352	Old Harbor Bank	Clearwater	FL	250,013	6.44	8.52	7.43	8.93	10.18	67.23	6.18	5.04
353	Providence Bank	Alpharetta	GA	115,628	13.01	11.98	10.70	11.16	12.42	93.35	6.49	5.04
354	Bank of Granite	Granite Falls	NC	1,142,562	5.21	5.54	5.67	6.65	7.92	66.45	4.91	5.04
355	Metropolitan Bank and Trust Company	Chicago	IL	347,707	8.19	8.51	8.37	11.00	12.12	87.31	5.15	5.06
356	Baylake Bank	Sturgeon Bay	WI	1,049,819	5.34	7.94	6.82	8.89	10.15	57.13	6.20	5.06
357	EvaBank	Eva	AL	434,000	7.43	6.93	7.68	10.56	11.81	90.52	4.35	5.06
358	PrimeSouth Bank	Blackshear	GA	417,637	6.15	7.19	7.56	9.24	10.49	74.34	4.72	5.07
359	Lake Community Bank	Long Lake	MN	163,841	9.39	8.97	8.96	12.06	13.32	88.62	5.03	5.07
360	Canyon National Bank	Palm Springs	CA	294,113	10.48	9.44	9.18	10.93	12.19	94.92	5.23	5.07
361	Great Northern Bank	Saint Michael	MN	80,835	4.00	6.08	5.75	7.00	8.26	51.08	5.42	5.11
362	Patriot Bank of Georgia	Cumming	GA	155,569	9.72	8.56	8.65	9.73	10.99	94.71	5.03	5.11
363	Bank of Las Vegas	Las Vegas	NV	72,921	8.36	11.09	9.19	9.77	11.02	68.33	7.24	5.12
364	Liberty Savings Bank, F.S.B.	Wilmington	OH	1,531,983	4.76	8.03	7.19	11.87	12.80	55.41	6.01	5.12
365	Highland Bank	Saint Michael	MN	585,288	5.84	8.01	7.65	9.76	10.88	65.97	5.48	5.13
366	First National Bank of the South	Spartanburg	SC	834,070	8.91	7.41	7.42	8.78	10.05	87.49	5.19	5.13
367	Wachovia Mortgage, FSB	North Las Vegas	NV	63,646,693	7.85	10.87	6.92	12.05	13.32	63.83	9.26	5.16
368	Columbia Community Bank	Hillsboro	OR	398,672	7.82	8.25	8.47	9.60	10.81	80.57	4.94	5.17
369	Merchants Bank of Alabama	Cullman	AL	257,166	4.89	7.12	7.24	9.45	10.28	63.25	5.12	5.18
370	Guaranty Bank	Milwaukee	WI	1,593,888	3.55	5.56	4.31	5.82	10.02	40.16	6.41	5.19
371	The Cowlitz Bank	Longview	WA	591,760	6.23	9.63	7.54	9.38	10.64	56.33	7.39	5.19
372	White Rock Bank	Cannon Falls	MN	151,049	6.38	8.12	7.98	9.41	10.52	70.50	5.39	5.21
373	First Peoples Bank	Port St. Lucie	FL	250,592	6.14	8.42	8.11	9.87	11.12	64.82	5.61	5.21
374	State Bank of Park Rapids	Park Rapids	MN	104,227	7.33	8.73	8.09	11.60	12.86	71.62	5.86	5.22
375	Commercial State Bank of El Campo	El Campo	TX	142,456	4.71	6.72	6.67	9.95	11.20	59.54	5.28	5.23
376	Irwin Union Bank and Trust Company	Columbus	IN	3,492,332	6.06	6.10	5.03	6.45	8.65	60.32	6.34	5.23
377	American State Bank	Tulsa	OK	11,429	5.69	8.54	8.60	13.31	14.68	60.52	5.31	5.25
378	Community South Bank	Parsons	TN	696,467	3.57	6.80	6.62	11.23	12.49	46.66	5.43	5.26
379	State Bank of New Prague	New Prague	MN	134,177	6.74	8.14	7.89	11.25	12.50	74.29	5.54	5.26
380	Kendall State Bank	Valley Falls	KS	36,857	7.54	9.60	9.73	11.84	13.10	70.49	5.22	5.26
381	New Century Bank	Chicago	IL	487,075	8.35	8.69	8.49	8.64	9.90	82.46	5.38	5.26
382	First National Bank of the Mid-Cities	Bedford	TX	32,602	7.20	9.25	9.20	11.53	12.79	68.18	5.29	5.27
383	Alliant Bank	Sedgwick	KS	15,086	10.27	8.05	7.62	12.17	13.47	88.98	5.67	5.28
384	Bank of Essex	Tappahannock	VA	1,366,963	6.69	12.49	7.58	17.11	18.76	50.14	10.08	5.31
385	Grand Timber Bank	Mcgregor	MN	49,068	11.91	10.52	10.14	13.20	14.46	100.78	5.61	5.33
386	Bank of Shorewood	Shorewood	IL	139,548	6.12	8.32	8.13	9.40	10.11	68.58	5.54	5.33
387	CenterBank of Jacksonville, National Association	Jacksonville	FL	186,021	10.19	12.34	9.59	11.63	12.89	73.55	7.98	5.33
388	Mountain Heritage Bank	Clayton	GA	136,753	5.43	6.74	6.88	9.25	10.49	66.76	5.25	5.33
389	Eastside  Commercial  Bank, National Association	Bellevue	WA	80,472	4.63	6.59	7.01	9.75	11.02	55.90	5.01	5.34
390	Fidelity Bank	Dearborn	MI	1,074,898	6.85	10.06	8.32	9.49	10.41	63.01	7.15	5.36
391	Golden Security Bank	Rosemead	CA	184,730	6.34	7.35	7.44	9.05	10.31	71.52	5.31	5.37
392	Magyar Bank	New Brunswick	NJ	557,037	5.42	7.35	7.49	9.83	11.08	64.11	5.29	5.39
393	MidCountry Bank	Marion	IL	968,456	5.54	9.29	7.19	9.56	10.82	52.43	7.57	5.39
394	American Enterprise Bank	Buffalo Grove	IL	381,740	4.56	7.35	6.96	8.78	10.03	54.50	5.77	5.39
395	American Trust Bank	Roswell	GA	273,599	8.14	8.31	8.67	9.63	10.86	84.26	5.16	5.39
396	Sunrise Bank of Arizona	Phoenix	AZ	131,394	6.58	7.18	7.87	8.87	10.12	79.15	4.83	5.39
397	Cherokee Bank, National Association	Canton	GA	226,998	6.09	6.82	7.37	9.41	10.67	71.95	5.02	5.41
398	Sunshine State Community Bank	Port Orange	FL	173,255	6.02	7.92	7.60	10.26	11.52	67.42	5.74	5.41
399	Northland National Bank	Gladstone	MO	72,903	11.94	10.22	9.20	18.89	20.17	98.44	6.41	5.41
400	First Bank and Trust Company of Illinois	Palatine	IL	360,401	26.05	18.14	18.00	22.20	23.46	134.26	5.47	5.41
401	First National Bank Midwest	Oskaloosa	IA	117,646	9.61	10.26	9.45	10.73	11.98	82.97	6.24	5.41
402	St. Stephen State Bank	Saint Stephen	MN	29,494	3.45	5.62	5.46	6.96	8.23	43.50	5.58	5.42
403	Citizens State Bank	Hudson	WI	184,570	7.88	8.09	7.49	9.90	11.17	74.73	5.99	5.42