UNOFFICIAL Troubled Bank List as of 09/30/2011

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	Douglas County Bank	Douglasville	GA	328,935	33.70	4.53	4.44	5.49	6.45	635.04	-17.59	-17.54
2	The First State Bank	Stockbridge	GA	536,936	30.08	1.10	0.78	0.96	1.92	870.17	-16.65	-16.22
3	Security Exchange Bank	Marietta	GA	160,891	33.68	3.19	2.77	3.71	4.96	710.92	-16.53	-16.06
4	Country Bank	Aledo	IL	195,034	33.59	-3.38	-3.23	-4.65	-4.65	384.31	-16.08	-15.33		Failed on 10/14/2011
5	Palm Desert National Bank	Palm Desert	CA	126,239	33.30	3.26	3.16	4.36	5.66	474.69	-15.79	-15.20
6	Builders Bank	Chicago	IL	303,538	33.52	7.04	7.06	10.54	11.80	395.28	-13.97	-14.01
7	Eastern Savings Bank, FSB	Hunt Valley	MD	641,000	42.39	6.98	6.98	10.19	11.44	530.27	-13.79	-13.79
8	Piedmont Community Bank	Gray	GA	198,993	30.18	0.67	0.68	0.88	1.76	858.45	-12.84	-12.70		Failed on 10/14/2011
9	Central Progressive Bank	Lacombe	LA	383,132	23.29	0.64	0.63	0.82	1.64	848.24	-12.42	-12.38		Failed on 11/18/2011
10	First Guaranty Bank and Trust Company of Jacksonville	Jacksonville	FL	377,894	27.55	1.66	1.64	2.12	3.42	520.46	-11.83	-11.88
11	Blue Ridge Savings Bank, Inc.	Asheville	NC	161,430	31.66	0.89	0.88	1.15	2.31	826.42	-11.95	-11.87		Failed on 10/14/2011
12	First Capital Bank	Kingfisher	OK	54,582	26.93	2.93	2.39	3.75	5.03	490.36	-13.45	-10.65
13	Providence Bank	Alpharetta	GA	117,645	27.22	9.16	7.08	8.74	9.90	270.14	-7.32	-10.30
14	Bank of Las Vegas	Las Vegas	NV	337,042	25.99	2.02	2.01	2.61	3.93	372.64	-9.85	-9.84
15	Central Florida State Bank	Belleview	FL	79,358	23.25	1.83	1.70	2.41	3.69	473.88	-10.23	-9.81
16	Community Bank of the Ozarks	Sunrise Beach	MO	53,477	28.03	4.47	4.03	4.86	6.13	399.76	-10.69	-9.77
17	American Metro Bank	Chicago	IL	88,283	26.04	4.72	3.69	5.14	6.42	343.38	-8.27	-9.22
18	First National Bank of Brookfield	Brookfield	IL	167,618	26.96	5.15	5.10	6.92	8.18	388.70	-8.87	-8.83
19	Community Capital Bank	Jonesboro	GA	165,291	19.26	1.14	1.05	1.46	2.72	750.46	-9.28	-8.73		Failed on 10/21/2011
20	Montgomery Bank & Trust	Ailey	GA	188,095	22.56	2.62	2.37	3.33	4.59	527.46	-9.19	-8.67
21	Global Commerce Bank	Doraville	GA	155,247	22.19	2.98	2.71	4.74	6.03	375.09	-8.26	-8.58
22	Beach Community Bank	Fort Walton Beac	FL	629,190	25.06	6.35	5.48	7.20	8.46	327.71	-7.69	-8.56
23	Old Harbor Bank	Clearwater	FL	209,048	13.91	-1.69	-1.84	-2.65	-2.65	2,033.85	-8.47	-8.48		Failed on 10/21/2011
24	OptimumBank	Plantation	FL	166,940	21.80	2.07	2.54	3.50	4.77	551.53	-9.22	-8.47
25	Pisgah Community Bank	Asheville	NC	30,326	23.77	1.96	2.02	2.54	3.88	285.24	-7.38	-7.64
26	Jasper Banking Company	Jasper	GA	211,411	22.49	6.00	4.83	7.17	8.20	284.22	-6.18	-7.38
27	The RiverBank	Wyoming	MN	419,723	17.20	1.14	0.81	1.06	2.13	429.37	-6.91	-7.29		Failed on 10/07/2011
28	Carolina Federal Savings Bank	Charleston	SC	57,667	21.97	2.10	2.10	2.78	4.05	534.02	-7.29	-7.29
29	Georgia Trust Bank	Buford	GA	130,706	19.48	2.54	2.44	3.60	4.86	448.69	-7.23	-7.23
30	Premier Community Bank of the Emerald Coast	Crestview	FL	125,976	14.99	-0.86	-0.90	-1.34	-1.34	987.96	-7.46	-7.19
31	Gwinnett Community Bank	Duluth	GA	514,856	19.31	3.38	3.26	4.64	5.90	373.64	-6.56	-6.80
32	Park Cities Bank	Dallas	TX	632,005	24.22	6.39	6.09	8.19	9.45	292.10	-7.09	-6.71
33	Peoples Bank & Trust	Buford	GA	321,108	17.65	3.70	3.37	4.72	5.98	380.40	-6.33	-6.44
34	First Cherokee State Bank	Woodstock	GA	244,259	16.33	2.36	2.33	3.35	4.61	418.21	-6.31	-6.39
35	Hometown Community Bank	Braselton	GA	139,398	20.36	4.28	4.29	7.07	8.34	344.66	-6.41	-6.29
36	Westside Community Bank	University Place	WA	135,029	24.98	6.39	6.14	7.61	8.88	291.11	-6.22	-6.21
37	SunFirst Bank	Saint George	UT	198,081	17.91	6.40	2.02	2.69	3.98	180.23	-1.33	-6.15		Failed on 11/04/2011
38	Gulf Coast Community Bank	Pensacola	FL	223,123	20.75	4.72	4.36	5.61	6.87	327.80	-5.87	-6.14
39	American Patriot Bank	Greeneville	TN	94,415	19.31	2.36	2.28	3.04	4.30	421.35	-6.26	-6.11
40	EuroBank	Coral Gables	FL	83,434	21.45	4.35	4.14	5.30	10.60	338.17	-6.23	-6.03
41	Sun Security Bank	Ellington	MO	351,492	20.81	4.19	2.00	2.77	4.07	252.51	-3.96	-5.96		Failed on 10/07/2011
42	Putnam State Bank	Palatka	FL	177,381	18.16	3.78	3.45	4.41	5.68	308.94	-5.54	-5.94
43	HarVest Bank of Maryland	Rockville	MD	158,623	17.59	3.01	2.73	3.89	5.16	341.89	-5.51	-5.92
44	Legacy State Bank	Loganville	GA	79,543	18.89	4.71	4.68	6.65	7.59	324.25	-6.08	-5.91
45	Polk County Bank	Johnston	IA	91,580	16.52	1.65	1.35	1.82	3.09	397.69	-6.11	-5.90		Failed on 11/18/2011
46	First South Bank	Spartanburg	SC	400,033	19.89	5.04	4.83	6.33	7.59	315.24	-5.86	-5.84
47	The Patterson Bank	Patterson	GA	128,307	16.46	2.52	2.20	2.99	4.25	393.17	-5.45	-5.29
48	Premier Bank	Wilmette	IL	280,539	18.77	4.65	3.75	6.08	7.36	264.10	-4.59	-5.21
49	DuPage National Bank	West Chicago	IL	71,583	18.52	2.33	2.08	3.23	4.51	338.40	-5.37	-4.94
50	Advantage Bank	Loveland	CO	354,083	19.45	4.20	4.04	5.78	7.06	281.74	-4.77	-4.82
51	Decatur First Bank	Decatur	GA	184,750	11.92	0.87	0.48	0.73	1.38	472.04	-4.42	-4.74		Failed on 10/21/2011
52	Community South Bank	Parsons	TN	591,878	16.20	4.17	4.05	4.98	6.24	265.16	-4.67	-4.74
53	Charter National Bank and Trust	Hoffman Estates	IL	98,409	18.00	4.07	3.37	4.24	5.52	265.66	-4.14	-4.69
54	Patriot Bank Minnesota	Forest Lake	MN	111,328	14.62	2.02	1.85	2.15	3.43	264.40	-4.34	-4.52
55	CenTrust Bank, National Association	Northbrook	IL	94,430	25.91	7.41	7.25	9.11	10.40	233.89	-4.55	-4.44
56	The Peoples Bank	Covington	GA	124,652	18.85	5.25	5.07	7.30	8.57	264.93	-4.43	-4.28
57	First Citizens Bank of Georgia	Dawsonville	GA	107,162	16.41	4.31	3.75	4.58	5.84	284.44	-3.87	-4.19
58	Community Bank of Rockmart	Rockmart	GA	62,383	15.18	2.19	2.19	3.22	4.50	346.07	-3.80	-3.84		Failed on 11/10/2011
59	First City Bank of Florida	Fort Walton Beac	FL	270,289	14.98	2.44	2.40	3.46	4.73	321.29	-3.94	-3.77
60	Heritage Bank of North Florida	Orange Park	FL	138,155	17.64	3.07	2.91	3.52	4.81	278.52	-3.57	-3.68
61	Covenant Bank & Trust	Rock Spring	GA	101,462	16.93	2.96	2.55	3.18	4.47	253.68	-3.14	-3.51
62	Sevier County Bank	Sevierville	TN	344,903	20.21	8.28	6.08	7.62	8.91	178.50	-0.84	-3.39
63	Community Banks of Colorado	Greenwood Villag	CO	1,280,964	14.25	1.73	1.64	2.12	3.41	266.38	-3.35	-3.22		Failed on 10/21/2011
64	Northside Bank	Adairsville	GA	129,964	11.81	3.24	3.16	4.35	5.60	285.32	-3.01	-3.22
65	Plantation Federal Bank	Pawleys Island	SC	516,579	13.21	2.66	2.66	3.85	5.12	276.68	-3.17	-3.17
66	Western National Bank	Phoenix	AZ	162,872	17.45	1.05	1.01	1.19	2.37	232.71	-3.24	-3.13
67	Sunrise Bank	Valdosta	GA	85,614	17.88	2.18	2.01	2.89	4.20	247.39	-3.38	-3.12
68	Tennessee Commerce Bank	Franklin	TN	1,184,915	10.92	0.99	0.95	1.17	2.34	272.94	-3.53	-3.02
69	First Commercial Bank	Bloomington	MN	238,639	17.45	3.22	3.10	4.09	5.40	227.48	-2.99	-2.96
70	First National Bank of Crestview	Crestview	FL	110,992	22.30	8.17	7.34	10.79	12.08	201.51	-2.13	-2.95
71	Security Bank, National Association	North Lauderdale	FL	102,820	20.68	4.45	4.13	6.77	8.09	231.03	-3.08	-2.86
72	WestSide Bank	Hiram	GA	139,541	15.58	5.74	5.32	7.34	8.59	220.45	-2.48	-2.85
73	SUNRISE BANK OF ARIZONA	Phoenix	AZ	325,632	15.83	2.11	2.02	2.62	3.92	244.81	-2.95	-2.82
74	Metropolitan National Bank	Little Rock	AR	1,118,310	19.28	6.14	5.57	7.78	9.06	218.07	-2.24	-2.65
75	Delta Bank, National Association	Manteca	CA	104,380	22.94	9.88	9.89	15.19	16.45	204.38	-2.53	-2.61
76	Eagle Community Bank	Maple Grove	MN	22,964	15.03	5.47	5.18	7.45	8.50	241.67	-2.52	-2.54
77	TransCapital Bank	Sunrise	FL	244,414	23.55	7.45	7.53	9.30	10.58	227.74	-2.49	-2.52
78	1st Commerce Bank	North Las Vegas	NV	32,158	16.58	2.18	2.08	3.55	4.91	196.06	-2.64	-2.51
79	Citizens Commerce National Bank	Versailles	KY	244,772	13.47	2.73	2.72	4.78	6.06	262.41	-2.52	-2.46
80	BankEast	Knoxville	TN	272,630	11.07	0.89	0.85	1.08	2.16	257.57	-2.39	-2.45
81	Mid City Bank, Inc.	Omaha	NE	106,075	10.01	0.28	-0.38	-0.68	-0.68	201.52	-1.90	-2.43		Failed on 11/04/2011
82	First State Bank	Cranford	NJ	191,852	10.12	1.07	0.84	1.09	2.18	222.70	-2.26	-2.39		Failed on 10/14/2011
83	First Sound Bank	Seattle	WA	146,234	10.91	2.09	2.07	2.95	4.23	228.63	-2.37	-2.38
84	First Covenant Bank	Commerce	GA	154,922	15.09	5.59	5.42	7.15	8.42	225.48	-2.17	-2.34
85	Idaho Banking Company	Boise	ID	147,868	16.71	3.02	2.80	3.52	4.82	222.70	-2.22	-2.19
86	Liberty Bank, F.S.B.	West Des Moines	IA	994,972	11.35	2.51	2.50	3.49	4.76	236.54	-2.15	-2.17
87	First Bank and Trust Company of Illinois	Palatine	IL	343,363	23.78	9.57	9.32	12.38	13.67	216.81	-2.16	-2.15
88	Brooklyn Federal Savings Bank	Brooklyn	NY	458,986	24.60	8.31	8.20	12.82	14.17	205.21	-1.99	-2.13
89	Waccamaw Bank	Whiteville	NC	582,495	9.61	2.11	0.68	1.00	2.00	190.84	-0.67	-2.13
90	First Citizens Bank of Polson, National Association	Polson	MT	25,055	24.83	11.87	11.15	15.56	16.84	172.39	-1.70	-2.11
91	Capitol City Bank & Trust Company	Atlanta	GA	297,582	13.14	4.28	4.07	4.80	6.06	220.43	-1.84	-1.93
92	Home Savings of America	Little Falls	MN	440,000	11.93	2.73	2.45	4.59	5.76	356.28	-1.59	-1.90
93	Central Bank of Georgia	Ellaville	GA	276,225	14.10	3.35	3.31	4.62	5.90	234.80	-1.77	-1.88
94	The Royal Palm Bank of Florida	Naples	FL	95,978	16.11	2.27	2.11	3.33	4.66	213.77	-1.83	-1.82
95	The Leaders Bank	Oak Brook	IL	506,762	11.94	2.07	1.70	2.46	4.92	216.24	-1.78	-1.80
96	Truman Bank	St. Louis	MO	337,947	21.82	5.59	5.26	7.04	8.36	202.53	-1.42	-1.80
97	SUNRISE BANK OF ALBUQUERQUE	Albuquerque	NM	60,961	14.02	2.11	2.07	2.72	4.02	240.59	-1.75	-1.72
98	Golden State Bank	Upland	CA	112,825	19.47	6.70	6.80	8.90	10.19	195.47	-1.68	-1.71
99	Farmers & Merchants Bank	Lakeland	GA	590,377	12.82	4.25	3.93	5.42	6.69	210.03	-1.39	-1.71
100	Nantahala Bank & Trust Company	Franklin	NC	184,948	15.48	5.51	5.47	7.04	8.92	205.03	-1.42	-1.64
101	Fort Lee Federal Savings Bank, FSB	Fort Lee	NJ	54,939	8.74	5.72	2.67	4.44	5.69	134.35	1.71	-1.61
102	Chipola Community Bank	Marianna	FL	42,635	10.77	4.18	3.43	5.53	6.79	195.78	-0.86	-1.55
103	1st Advantage Bank	Saint Peters	MO	83,730	15.98	5.21	4.78	6.23	7.49	218.50	-1.41	-1.55
104	Bank of Jackson County	Graceville	FL	28,902	11.44	2.01	1.80	2.22	3.49	270.02	-1.51	-1.51
105	Citizens State Bank	Kingsland	GA	72,668	19.62	7.21	6.30	8.63	9.91	202.80	-0.71	-1.48
106	First CornerStone Bank	King Of Prussia	PA	174,306	16.11	6.60	6.16	9.19	10.40	217.05	-1.20	-1.47
107	Friends Bank	New Smyrna Beach	FL	132,756	17.38	8.31	5.98	7.73	9.00	158.67	1.22	-1.39
108	Eastside Commercial Bank	Conyers	GA	204,964	15.66	4.84	4.59	6.39	7.67	200.11	-1.36	-1.37
109	The Bank of Commerce	Sarasota	FL	254,771	11.17	5.09	2.78	3.63	7.27	150.64	1.02	-1.30
110	American Enterprise Bank	Buffalo Grove	IL	310,516	22.06	8.93	8.12	10.88	12.17	172.57	-0.63	-1.17
111	First United Bank	Crete	IL	375,638	12.20	3.30	2.84	4.82	6.14	172.85	-0.66	-1.07
112	Frontier Bank	Lagrange	GA	319,044	15.38	7.72	5.75	8.28	9.58	151.40	1.32	-1.02
113	Northern Star Bank	Mankato	MN	32,880	10.40	3.54	3.49	4.71	5.97	200.00	-1.09	-0.99
114	First Community Bank of Southwest Florida	Fort Myers	FL	301,588	11.26	3.65	3.41	4.76	6.03	198.59	-0.89	-0.95
115	Union National Bank and Trust Company of Elgin	Elgin	IL	422,651	14.71	4.81	4.68	5.99	7.28	186.13	-0.94	-0.92
116	SCB Bank	Shelbyville	IN	200,413	8.28	2.77	3.07	4.14	5.40	199.20	-1.24	-0.92
117	Michigan Commerce Bank	Ann Arbor	MI	822,543	14.20	2.26	2.14	2.80	4.12	187.40	-0.82	-0.84
118	Georgia Heritage Bank	Dallas	GA	73,198	9.13	3.81	3.62	5.20	6.45	187.72	-0.58	-0.74
119	Heritage Bank	Jonesboro	GA	380,807	11.54	4.76	4.64	6.35	7.61	182.97	-0.54	-0.73
120	FirstSecure Bank and Trust Co.	Palos Hills	IL	65,563	15.57	5.02	4.90	7.79	9.10	173.17	-0.61	-0.63
121	Village Bank	Saint Francis	MN	220,424	15.05	4.56	4.28	5.63	6.94	168.57	-0.43	-0.60
122	Central Arizona Bank	Casa Grande	AZ	46,707	14.11	3.10	2.26	3.89	5.20	190.93	-0.70	-0.51
123	Rocky Mountain Bank	Wilson	WY	237,554	13.98	3.53	3.34	4.91	6.22	175.91	-0.44	-0.46
124	Florida Capital Bank, National Association	Jacksonville	FL	751,156	11.04	4.16	4.04	6.81	8.08	180.44	-0.45	-0.46
125	Bank of the Eastern Shore	Cambridge	MD	170,310	11.37	2.41	2.20	2.74	4.02	195.12	-0.37	-0.45
126	Affinity Bank	Atlanta	GA	332,171	8.62	2.94	3.11	4.54	5.80	202.47	-0.89	-0.39
127	United American Bank	San Mateo	CA	264,860	11.70	3.52	3.37	4.48	5.77	173.28	-0.40	-0.38
128	Great Florida Bank	Coral Gables	FL	1,192,419	12.63	5.01	4.67	7.10	8.40	187.42	-0.33	-0.35
129	Bank of Bartlett	Bartlett	TN	371,381	9.30	3.52	3.24	5.36	6.63	176.92	-0.06	-0.35
130	Premier Bank	Maplewood	MN	580,423	16.03	8.30	7.50	9.40	10.66	154.24	0.70	-0.35
131	First Chatham Bank	Savannah	GA	540,904	12.08	4.04	4.46	5.88	7.15	193.63	-0.81	-0.32
132	Banks of Wisconsin	Kenosha	WI	176,870	14.45	6.40	5.13	7.20	8.47	174.16	0.84	-0.30
133	The Village Bank	Saint George	UT	183,849	10.90	6.22	2.58	3.51	4.80	112.36	3.48	-0.27
134	GreenChoice Bank, fsb	Chicago	IL	63,568	17.74	9.34	8.12	10.07	10.45	183.95	1.20	-0.25
135	Community Bank and Trust - West Georgia	Lagrange	GA	90,642	19.72	7.46	7.10	9.17	10.12	214.04	-0.09	-0.22
136	Second Federal Savings and Loan Association of Chicago	Chicago	IL	208,861	11.08	3.03	3.04	4.69	5.94	229.74	0.17	-0.20
137	First Bank	West Des Moines	IA	98,360	12.56	4.67	4.53	6.71	8.00	166.15	-0.09	-0.11
138	GulfSouth Private Bank	Destin	FL	181,319	16.46	8.83	6.71	9.47	10.75	141.84	2.32	-0.11
139	Independent Banker's Bank of Florida	Lake Mary	FL	258,777	19.55	7.84	6.83	10.60	11.92	151.65	0.64	-0.08
140	The Heritage Bank	Hinesville	GA	895,052	11.98	4.75	4.25	6.39	7.67	163.68	0.46	-0.06
141	The Citizens Bank of East Tennessee	Rogersville	TN	131,793	12.52	5.83	5.78	8.25	9.51	173.37	0.00	-0.04
142	All American Bank	Des Plaines	IL	34,800	14.08	2.01	1.88	2.62	3.97	174.71	0.01	-0.03		Failed on 10/28/2011
143	Liberty FSB	Enid	OK	130,598	10.14	3.83	4.00	6.14	7.40	179.96	-0.18	-0.02
144	Prime Pacific Bank, National Association	Lynnwood	WA	136,690	13.50	7.78	5.29	7.00	8.28	131.20	2.81	0.04
145	Premier Bank	Tallahassee	FL	328,362	10.85	3.73	3.61	5.69	6.99	170.23	0.18	0.05
146	Riverland Bank	Jordan	MN	26,875	10.97	2.92	2.63	4.13	5.42	182.03	0.10	0.09
147	Inter Savings Bank, fsb  D/B/A  Interbank,  fsb	Maple Grove	MN	502,342	8.21	2.23	2.28	3.01	4.27	205.27	0.05	0.10
148	Goldwater Bank, N.A.	Scottsdale	AZ	162,743	8.44	3.55	3.30	7.47	8.63	172.94	0.24	0.15
149	State Central Bank	Keokuk	IA	211,300	9.55	4.02	3.01	4.83	6.12	140.12	1.15	0.17
150	Mile High Banks	Longmont	CO	1,042,659	12.46	3.50	3.31	4.46	5.75	171.01	0.20	0.18
151	Boundary Waters Bank	Ely	MN	114,661	13.87	6.16	6.15	7.60	8.88	162.66	0.26	0.25
152	Fidelity Bank of Florida, National Association	Merritt Island	FL	360,291	15.54	4.71	4.62	6.52	7.83	169.10	0.34	0.31
153	Anchor Commercial Bank	North Palm Beach	FL	135,074	11.44	4.80	4.34	6.21	7.49	154.84	0.61	0.31
154	Bank of Eastman	Eastman	GA	236,017	13.65	5.44	4.75	6.77	8.06	163.32	0.91	0.32
155	MBank	Gresham	OR	196,720	10.66	3.71	3.71	5.53	6.81	169.62	0.30	0.33
156	State Bank of Cokato	Cokato	MN	51,823	11.39	5.30	5.28	7.50	8.77	164.92	0.28	0.37
157	First Carolina State Bank	Rocky Mount	NC	90,255	9.94	2.09	2.01	3.00	4.31	163.95	0.44	0.39
158	NewDominion Bank	Charlotte	NC	404,450	10.63	4.56	4.04	6.20	7.48	149.43	0.91	0.44
159	New City Bank	Chicago	IL	77,509	19.49	4.43	4.14	6.68	8.04	189.06	0.51	0.46
160	Parkway Bank	Lenoir	NC	115,838	7.73	3.31	2.99	4.16	5.44	143.63	0.77	0.47
161	1st Regents Bank	Andover	MN	67,784	9.86	2.92	2.81	3.79	5.09	146.80	0.65	0.48
162	Excel Bank	Sedalia	MO	250,570	14.53	5.35	5.10	7.04	8.34	152.94	0.71	0.50
163	South Carolina Community Bank	Columbia	SC	81,881	11.77	4.82	4.77	6.98	8.23	162.39	0.58	0.57
164	Bank of Belton	Belton	MO	49,219	9.99	6.93	5.05	8.20	9.45	126.86	2.42	0.59
165	Monterey County Bank	Monterey	CA	269,524	13.03	8.18	7.23	10.86	12.23	137.90	1.60	0.67
166	Union Bank	Kansas City	MO	459,383	13.07	3.96	3.63	4.46	5.75	162.47	0.84	0.71
167	State Bank of Delano	Delano	MN	80,450	13.09	5.94	5.48	7.74	9.01	161.46	1.12	0.73
168	Community Bank of Pickens County	Jasper	GA	304,773	11.60	6.84	5.87	7.59	8.85	140.41	1.90	0.73
169	Mountain 1st Bank & Trust Company	Hendersonville	NC	726,979	7.35	4.59	3.81	6.28	7.54	122.92	1.61	0.77
170	Farmers Exchange Bank	Louisville	AL	195,033	8.48	4.75	4.58	6.50	7.75	142.81	0.93	0.78
171	Peoples Bank & Trust Company	Owenton	KY	69,251	21.20	11.85	15.71	20.33	21.58	162.31	-4.02	0.78
172	Archer Bank	Chicago	IL	585,066	14.36	8.84	5.41	8.13	9.45	117.89	4.71	0.78
173	Farmers & Merchants Bank	Statesboro	GA	231,406	11.41	4.29	4.17	5.88	7.17	155.08	0.87	0.84
174	Lone Summit Bank	Lake Lotawana	MO	28,200	11.62	5.55	4.53	6.35	7.63	128.36	1.87	0.85
175	Signature Bank of Georgia	Sandy Springs	GA	181,114	9.41	5.97	5.22	8.45	9.71	130.79	1.67	0.88
176	Cornerstone Bank	Wilson	NC	152,081	7.48	2.68	2.38	3.71	5.00	140.40	1.20	0.92
177	First State Bank	Wrens	GA	78,471	13.50	7.18	7.05	10.40	11.66	151.85	1.09	0.94
178	Bank of Granite	Granite Falls	NC	765,707	7.21	2.42	2.57	4.13	5.42	145.80	0.82	1.03
179	Eagle Valley Bank, National Association	St. Croix Falls	WI	152,484	6.96	3.87	3.82	6.02	7.28	133.08	1.11	1.07
180	Bank of Wausau	Wausau	WI	70,874	11.55	5.28	5.10	6.46	7.71	149.29	1.12	1.12
181	Waukegan Savings Bank	Waukegan	IL	87,791	5.91	3.12	2.95	4.82	6.07	141.94	1.27	1.14
182	Decatur State Bank	Decatur	AR	173,566	12.32	4.05	4.08	5.35	6.58	150.32	1.15	1.16
183	The Bank of Georgia	Peachtree City	GA	394,466	8.61	5.59	4.62	6.33	7.66	120.57	2.34	1.20
184	The Farmers Bank	Forsyth	GA	65,706	12.74	7.11	7.03	10.16	11.42	144.10	1.27	1.21
185	First National Bank of Griffin	Griffin	GA	258,479	9.31	7.18	5.02	8.47	9.74	104.81	3.59	1.21
186	First National Bank in Howell	Howell	MI	299,222	9.50	3.43	3.31	4.31	5.60	139.48	1.33	1.23
187	First Mariner Bank	Baltimore	MD	1,197,822	5.94	3.02	3.42	4.55	5.80	141.59	0.91	1.23
188	Independence Federal Savings Bank	Washington	DC	100,809	10.60	4.51	4.37	7.95	9.23	163.20	1.46	1.32
189	Premier Bank Minnesota	Farmington	MN	182,720	14.42	7.67	7.42	10.40	11.67	145.59	1.42	1.35
190	Ocean Bank	Miami	FL	3,400,218	9.00	4.91	4.71	7.69	8.96	138.23	1.49	1.35
191	Scotiabank de Puerto Rico	San Juan	PR	6,856,107	13.14	10.91	7.82	16.92	18.18	111.40	5.09	1.43
192	Citizens First National Bank	Princeton	IL	1,069,526	9.33	6.01	5.29	7.90	9.17	123.56	2.17	1.43
193	Alabama Trust Bank, National Association	Sylacauga	AL	59,455	7.23	4.00	3.69	5.54	6.83	118.18	1.75	1.47
194	First Tuskegee Bank	Tuskegee	AL	66,726	15.11	9.38	9.02	13.65	14.90	144.97	1.94	1.57
195	Regal Financial Bank	Seattle	WA	107,014	9.40	4.94	5.04	6.93	8.20	131.80	1.66	1.57
196	Baytree National Bank & Trust Company	Lake Forest	IL	208,123	8.85	3.40	5.90	7.18	8.37	204.11	-1.02	1.60
197	NOVA Bank	Berwyn	PA	543,645	4.21	2.53	2.27	3.31	4.58	96.33	1.91	1.66
198	PrimeSouth Bank	Blackshear	GA	372,908	10.55	6.40	5.13	8.03	9.31	118.51	2.92	1.67
199	U. S. Century Bank	Doral	FL	1,500,209	13.49	4.81	4.54	5.50	6.80	141.46	1.82	1.67
200	Synergy Bank, S.S.B.	Mckinney	TX	122,932	15.68	13.65	9.76	13.70	14.95	104.95	6.14	1.68
201	PlantersFIRST	Cordele	GA	288,664	10.56	5.10	4.86	7.08	8.36	135.76	1.87	1.68
202	Farmers' and Traders' State Bank	Shabbona	IL	52,969	10.71	5.88	5.12	9.50	10.78	131.82	2.02	1.73
203	North Alabama Bank	Hazel Green	AL	115,884	16.14	10.51	9.30	12.64	13.91	127.77	3.02	1.75
204	Horry County State Bank	Loris	SC	544,826	9.18	3.15	3.31	4.35	5.64	135.62	1.57	1.76
205	Mountain National Bank	Sevierville	TN	516,398	9.96	4.26	4.14	5.78	7.06	139.55	1.88	1.77
206	Fidelity Bank	Dearborn	MI	845,759	10.52	4.67	4.61	5.65	6.94	133.56	1.82	1.79
207	Superior Bank	Hazelwood	MO	45,222	13.78	6.85	6.43	8.37	9.63	156.05	1.98	1.85
208	Border Trust Company	Augusta	ME	51,757	5.89	4.52	4.14	7.29	8.18	116.67	2.11	1.87
209	Viking Bank	Seattle	WA	387,392	8.80	5.35	4.86	6.83	8.10	115.66	2.34	1.90
210	Stonebridge Bank	Exton	PA	315,504	12.38	6.20	5.79	7.95	9.23	140.82	2.18	1.90
211	First East Side Savings Bank	Tamarac	FL	72,829	8.93	5.42	5.17	9.39	10.65	140.30	2.20	1.93
212	Bank of Naples	Naples	FL	152,963	11.00	2.70	2.54	4.53	5.89	126.13	2.09	1.94
213	FLAGLER BANK	West Palm Beach	FL	113,063	14.44	6.77	6.37	9.05	10.34	136.14	2.22	1.97
214	Frontier Bank, FSB	Palm Desert	CA	281,103	8.37	5.23	5.13	7.88	9.14	127.11	2.10	1.99
215	Millennium Bank, National Association	Sterling	VA	184,888	7.24	1.52	4.24	4.93	6.19	234.36	-0.91	2.00
216	AnchorBank, fsb	Madison	WI	3,202,732	11.74	4.23	4.16	6.83	8.15	137.40	2.07	2.01
217	Columbia Bank	Lake City	FL	228,821	13.99	8.77	8.24	12.05	13.32	132.61	2.49	2.03
218	Metrobank	Berwyn	IL	813,513	14.80	9.22	5.18	7.34	8.67	106.86	6.40	2.05
219	Heritage Bank of Florida	Lutz	FL	246,721	9.04	5.92	3.88	4.97	6.26	99.34	4.15	2.05
220	Citizens Bank & Trust Company	Eastman	GA	147,161	8.57	5.13	5.30	8.48	9.74	131.15	1.76	2.08
221	First National Bank of Baldwin County	Foley	AL	207,234	3.94	2.62	2.54	3.57	4.84	88.10	2.15	2.09
222	United Central Bank	Garland	TX	2,612,603	15.61	9.40	9.28	20.03	21.35	134.62	2.30	2.12
223	Gunnison Valley Bank	Gunnison	UT	71,333	17.92	9.79	9.93	12.26	13.51	157.86	2.10	2.13
224	Covenant Bank	Chicago	IL	63,661	9.04	6.20	5.48	7.88	8.79	131.57	2.75	2.20
225	Proficio Bank	Salt Lake City	UT	132,212	18.23	10.34	9.45	12.11	13.39	134.10	2.63	2.20
226	Americana Community Bank	Sleepy Eye	MN	122,820	7.55	3.87	3.47	4.58	5.86	108.82	2.62	2.22
227	Alliant Bank	Sedgwick	KS	13,959	5.11	3.73	3.22	7.10	8.38	92.24	2.74	2.27
228	Northbrook Bank and Trust Company	Northbrook	IL	1,970,189	9.36	7.79	6.98	12.94	14.20	109.97	3.26	2.29
229	First Community  Bank of the Ozarks	Branson	MO	96,642	6.53	5.10	3.39	4.77	6.05	82.23	4.06	2.33
230	St. Louis Bank	Town And Country	MO	420,495	14.74	8.76	7.51	11.23	12.51	131.04	3.39	2.34
231	HomeStar Bank and Financial Services	Manteno	IL	388,759	7.91	4.30	4.11	6.50	7.79	113.00	2.55	2.36
232	The Pueblo Bank and Trust Company	Pueblo	CO	316,394	16.97	10.70	10.23	15.09	16.37	132.49	2.84	2.38
233	The Bank of Macks Creek	Macks Creek	MO	21,239	16.72	7.34	7.17	10.76	12.04	170.03	2.52	2.38
234	Cecil Bank	Elkton	MD	468,392	13.36	8.24	6.99	8.81	13.35	119.63	3.78	2.39
235	Stephens Federal Bank	Toccoa	GA	190,332	9.32	5.68	5.33	7.19	8.14	128.16	2.82	2.45
236	Security Savings Bank, SSB	Southport	NC	321,645	9.44	4.57	4.47	7.34	8.64	122.39	2.53	2.47
237	State Bank of Countryside	Countryside	IL	742,064	12.29	8.17	7.36	9.94	11.22	122.63	3.18	2.47
238	Grand Bank & Trust of Florida	West Palm Beach	FL	334,834	7.85	4.90	4.49	6.42	7.70	105.73	2.76	2.47
239	ProBank	Tallahassee	FL	89,928	6.43	4.14	4.12	6.60	7.86	111.18	2.47	2.47
240	Legacy Bank of Florida	Boca Raton	FL	292,423	7.40	5.53	5.04	6.92	8.19	99.50	2.93	2.48
241	Central Virginia Bank	Powhatan	VA	400,702	8.81	4.25	5.31	8.10	9.38	131.13	1.38	2.48
242	The Farmers Bank of Lynchburg	Lynchburg	TN	162,352	7.87	5.16	3.13	4.53	5.83	85.29	4.50	2.49
243	Patriot Bank	Brooklyn	IA	58,159	7.78	6.66	5.56	9.53	10.78	94.31	3.59	2.52
244	The Bank of Elk River	Elk River	MN	389,253	9.08	6.99	4.59	5.94	7.23	88.58	5.04	2.54
245	Syringa Bank	Boise	ID	206,769	7.20	5.22	5.00	6.00	7.26	99.79	2.75	2.56
246	Heartland Bank	Leawood	KS	130,306	5.50	2.92	3.05	4.63	6.41	96.41	2.46	2.57
247	Park State Bank & Trust	Woodland Park	CO	87,801	9.78	6.76	6.57	9.76	11.02	119.92	2.78	2.58
248	Tidelands Bank	Mount Pleasant	SC	531,963	9.37	5.55	5.44	6.99	8.26	122.30	2.70	2.59
249	Grand Mountain Bank, FSB	Granby	CO	106,108	13.11	6.30	6.28	9.17	10.47	135.31	2.87	2.63
250	The Community Bank, A Massachusetts Cooperative Bank	Brockton	MA	326,331	8.31	5.92	5.75	9.13	10.39	113.15	2.87	2.66
251	First State Bank	Danville	VA	37,871	5.01	3.74	3.39	4.92	6.18	93.08	3.06	2.68
252	The Community's Bank	Bridgeport	CT	38,639	6.55	9.52	5.77	9.58	10.83	62.77	6.71	2.71
253	Carver Federal Savings Bank	New York	NY	677,694	17.10	9.08	9.12	12.15	14.37	143.17	2.68	2.72
254	First American State Bank	Greenwood Villag	CO	236,546	9.13	6.95	6.53	10.29	11.54	111.80	3.22	2.74
255	Prime Security Bank	Karlstad	MN	68,880	9.91	7.13	6.30	9.19	10.45	114.67	3.19	2.80
256	Flagship Bank Minnesota	Wayzata	MN	121,053	5.45	7.31	4.51	6.46	7.73	59.25	5.68	2.80
257	Mission Oaks National Bank	Temecula	CA	141,257	15.82	9.67	9.15	12.50	13.78	126.17	3.09	2.82
258	Columbia Savings Bank	Cincinnati	OH	49,518	15.89	6.84	6.58	10.31	11.59	170.13	2.95	2.83
259	Northwest Georgia Bank	Ringgold	GA	510,370	8.37	6.80	5.44	11.52	12.81	94.47	4.10	2.85
260	Stoneham Savings Bank	Stoneham	MA	336,594	3.32	5.93	3.95	6.51	7.74	49.93	4.89	2.89
261	BankCherokee	Saint Paul	MN	240,769	6.32	5.76	5.55	9.99	11.24	93.26	3.12	2.90
262	Arthur State Bank	Union	SC	602,323	7.74	5.01	4.90	5.94	7.21	113.82	2.99	2.91
263	Reliance Bank, FSB	Fort Myers	FL	76,634	10.65	7.69	4.60	8.13	9.46	88.97	6.12	2.91
264	Mohave State Bank	Lake Havasu City	AZ	289,968	14.27	9.64	9.14	11.54	12.59	124.02	3.25	2.91
265	Edgebrook Bank	Chicago	IL	93,021	9.88	5.47	5.35	8.88	10.16	127.15	3.03	2.93
266	CNLBank	Orlando	FL	1,412,255	7.70	8.48	5.64	8.18	9.44	75.28	5.91	2.94
267	American Heartland Bank and Trust	Sugar Grove	IL	82,833	12.83	4.77	3.61	4.44	5.76	122.13	4.13	2.97
268	Reliance Bank	Des Peres	MO	1,060,282	12.01	7.91	6.82	8.91	10.20	108.76	4.05	2.98
269	Sunrise Bank	Cocoa Beach	FL	109,438	8.29	4.94	4.28	6.08	7.39	97.66	3.66	2.99
270	Premier Bank	Denver	CO	59,226	6.04	5.54	5.60	7.11	8.36	90.10	2.94	3.00
271	North Star Bank	Roseville	MN	252,070	9.74	7.49	7.03	10.66	11.93	103.74	3.52	3.00
272	City National Bank of New Jersey	Newark	NJ	349,630	13.15	8.71	7.95	11.06	12.35	111.27	3.72	3.03
273	Bank of Newington	Newington	GA	70,651	9.83	7.21	7.16	9.33	10.59	112.94	3.06	3.04
274	North Community Bank	Chicago	IL	963,240	12.22	8.51	5.63	7.86	9.18	102.21	6.11	3.06
275	Colombo Bank	Rockville	MD	155,235	7.00	6.20	5.12	9.66	10.90	90.37	4.18	3.06
276	First Central Savings Bank	Glen Cove	NY	596,255	6.53	4.23	4.19	5.85	7.12	100.70	3.09	3.06
277	Community Shores Bank	Muskegon	MI	218,751	4.99	4.18	3.78	5.19	6.46	77.43	3.45	3.09
278	First National Community Bank	Chatsworth	GA	133,274	11.28	9.34	7.62	12.42	13.69	101.69	4.98	3.10
279	McHenry Savings Bank	Mchenry	IL	257,947	5.33	4.17	4.19	7.09	8.36	95.34	3.10	3.13
280	Texas Community Bank, National Association	The Woodlands	TX	330,969	12.15	8.03	8.14	10.62	15.74	120.67	2.93	3.14
281	Citizens State Bank	Hudson	WI	136,115	7.12	5.55	4.91	6.91	8.19	91.03	3.76	3.14
282	CoastalStates Bank	Hilton Head Isla	SC	371,948	8.49	7.93	6.32	9.59	10.85	92.60	4.79	3.16
283	Wheaton Bank & Trust	Wheaton	IL	708,653	10.66	11.19	7.80	11.19	12.45	83.49	6.99	3.16
284	First Personal Bank	Orland Park	IL	166,696	8.06	7.21	5.99	9.39	10.66	88.91	4.46	3.19
285	Hometown National bank	Longview	WA	18,495	11.55	4.07	3.95	6.66	8.10	116.58	3.33	3.20
286	Albina Community Bank	Portland	OR	132,440	5.20	4.13	3.67	4.92	6.19	80.04	3.69	3.23
287	Oxford Bank	Oxford	MI	273,154	6.50	4.10	3.97	5.92	7.14	98.58	3.34	3.24
288	CornerstoneBank	Atlanta	GA	427,312	5.33	5.31	5.39	8.32	9.93	84.12	3.16	3.25
289	F & M Bank and Trust Company	Manchester	GA	92,224	15.32	8.79	8.38	11.02	12.30	131.98	3.44	3.26
290	Santa Lucia Bank	Atascadero	CA	232,279	9.84	5.32	5.09	8.02	9.33	104.68	3.47	3.27
291	Urban Partnership Bank	Chicago	IL	1,330,858	19.82	10.58	9.92	35.34	36.73	137.54	3.99	3.27
292	International Finance Bank	Miami	FL	377,737	12.11	8.90	6.27	9.63	10.91	103.30	5.81	3.28
293	Peach State Bank & Trust	Gainesville	GA	151,032	7.79	4.76	4.70	6.72	8.01	97.95	3.39	3.31
294	AztecAmerica Bank	Berwyn	IL	86,954	13.90	6.49	6.08	8.09	9.40	128.93	3.72	3.32
295	Anderson Brothers Bank	Mullins	SC	449,903	9.78	7.27	7.03	9.12	10.39	108.90	3.58	3.32
296	First National Bank	Edinburg	TX	3,674,024	14.17	9.44	9.15	12.26	13.53	121.49	3.58	3.33
297	Bridgeview Bank Group	Bridgeview	IL	1,373,326	11.93	9.83	8.72	11.15	12.40	106.14	4.54	3.36
298	Winfield Community Bank	Winfield	IL	67,312	2.93	4.20	4.07	6.32	7.57	57.09	3.48	3.36
299	Seattle Bank	Seattle	WA	343,636	20.12	11.23	10.79	17.06	18.38	129.46	3.58	3.39
300	Community Bank of Florida, Inc.	Homestead	FL	542,016	8.74	8.33	7.27	9.50	10.75	93.27	4.49	3.40
301	Minnwest Bank Metro	Eagan	MN	243,860	11.41	9.07	8.05	11.43	12.70	104.69	4.39	3.40
302	Bank of Bozeman	Bozeman	MT	68,247	12.30	8.69	8.72	11.15	12.41	116.16	3.40	3.41
303	Frontenac Bank	Earth City	MO	344,831	10.77	9.00	7.03	9.46	10.74	94.50	5.37	3.44
304	First State Bank and Trust	Tonganoxie	KS	237,208	11.25	9.22	7.88	10.55	13.61	101.97	4.84	3.45
305	The Wilton Bank	Wilton	CT	76,602	21.73	13.51	13.55	19.35	20.63	137.57	3.45	3.46
306	The Equitable Bank, S.S.B.	Wauwatosa	WI	421,588	9.44	6.65	7.02	9.80	11.06	119.05	3.13	3.47
307	First Financial Bank	Bessemer	AL	205,875	8.97	7.32	6.83	10.62	11.88	102.53	3.97	3.47
308	Lakeview Bank	Lakeville	MN	52,683	11.04	10.66	7.81	10.04	11.81	85.61	6.65	3.50
309	The Bank of Perry	Perry	GA	115,162	7.69	6.52	6.37	8.79	10.05	92.63	3.61	3.51
310	First Federal Savings Bank of Elizabethtown	Elizabethtown	KY	1,223,161	6.59	6.26	5.95	8.68	9.94	87.09	3.81	3.52
311	Farmers Bank	Ault	CO	240,855	14.59	9.87	10.00	11.47	12.58	122.87	3.53	3.52
312	New Millennium Bank	New Brunswick	NJ	215,643	8.14	5.78	5.48	8.86	10.15	92.52	3.84	3.54
313	Highlands Union Bank	Abingdon	VA	634,815	6.16	6.09	5.14	7.89	9.16	80.52	4.53	3.55
314	Four Oaks Bank & Trust Company	Four Oaks	NC	914,039	8.04	5.84	5.68	8.70	9.98	97.01	3.71	3.55
315	Community Bank of Central Wisconsin	Colby	WI	98,947	9.09	5.72	4.99	7.17	8.46	98.94	4.28	3.58
316	American Bank of the North	Nashwauk	MN	646,019	9.71	7.65	7.34	9.75	11.01	102.81	3.94	3.59
317	Bank of the Carolinas	Mocksville	NC	505,174	5.73	5.96	4.97	6.68	7.94	74.57	4.60	3.61
318	Valley Bank of Nevada	North Las Vegas	NV	81,904	13.45	8.75	8.29	11.25	12.53	114.88	3.83	3.62
319	Provident Community Bank, National Association	Rock Hill	SC	384,706	6.85	6.61	6.38	11.46	12.72	88.94	3.86	3.62
320	Rocky Mountain Bank & Trust Florence	Florence	CO	117,994	7.11	1.86	6.60	6.21	7.35	229.91	-1.31	3.66
321	Cornerstone Bank	Overland Park	KS	182,695	14.79	8.02	7.70	10.20	11.50	121.40	3.93	3.66
322	Community Bank and Trust - Alabama	Union Springs	AL	84,602	10.45	8.90	8.53	14.86	15.74	109.00	4.12	3.67
323	Champion Bank	Parker	CO	67,150	19.52	9.89	9.53	13.09	14.39	139.01	3.93	3.68
324	Georgia Commerce Bank	Atlanta	GA	612,868	11.48	8.71	9.11	11.13	12.36	116.37	3.59	3.69
325	Emigrant Savings Bank - Long Island	Westbury	NY	545,936	11.24	7.29	7.53	20.37	21.62	143.42	3.48	3.69
326	Centrue Bank	Streator	IL	1,005,831	7.76	6.62	5.85	8.25	9.53	86.85	4.48	3.71
327	Bank of Hampton Roads	Norfolk	VA	2,162,346	10.49	7.08	6.06	8.74	10.04	97.67	4.71	3.74
328	Farmers State Bank	Lumpkin	GA	47,004	7.03	6.63	6.63	10.33	11.56	90.72	3.73	3.75
329	The Citizens Exchange Bank	Pearson	GA	27,586	12.64	10.55	9.80	20.79	22.05	110.88	4.32	3.75
330	Freedom Bank	Columbia Falls	MT	46,405	13.67	8.11	7.78	10.15	11.42	125.71	3.92	3.75
331	SouthPoint Bank	Birmingham	AL	227,023	6.79	6.57	6.03	8.09	9.35	83.23	4.22	3.75
332	Community Bank-Wheaton/Glen Ellyn	Glen Ellyn	IL	326,650	6.17	6.21	4.97	6.60	7.84	74.56	5.05	3.76
333	Business Bank	Burlington	WA	86,504	11.01	6.43	6.63	8.40	9.69	110.73	3.69	3.79
334	Armed Forces Bank, National Association	Fort Leavenworth	KS	2,006,593	28.62	15.56	15.44	28.42	29.79	136.73	4.30	3.79
335	The Piedmont Bank	Norcross	GA	347,973	11.80	12.41	10.30	11.98	12.56	91.46	6.27	3.81
336	Banco Popular de Puerto Rico	Hato Rey	PR	28,712,000	10.86	9.42	7.85	11.88	14.16	96.56	5.58	3.82
337	Treasure State Bank	Missoula	MT	76,468	11.39	7.34	7.39	9.57	10.84	113.54	3.81	3.83
338	Citizens State Bank - Midwest	Cavalier	ND	138,741	9.14	8.41	6.72	9.71	10.99	84.04	5.61	3.84
339	Pinnacle Bank	Rogers	AR	91,888	16.95	11.56	10.90	14.26	18.34	119.34	4.46	3.85
340	Monarch Community Bank	Coldwater	MI	223,455	6.55	5.59	5.17	8.35	9.63	82.90	4.24	3.88
341	New Peoples Bank, Inc.	Honaker	VA	809,929	7.10	6.98	5.94	9.03	10.31	77.77	4.96	3.89
342	United Midwest Savings Bank	De Graff	OH	211,419	11.93	8.10	8.10	11.10	12.35	124.44	3.89	3.89
343	Park State Bank	Duluth	MN	30,398	3.89	5.29	5.06	8.13	9.38	60.99	4.09	3.90
344	Oxford Bank & Trust	Oak Brook	IL	489,449	13.19	9.15	8.58	11.69	12.96	118.20	4.33	3.91
345	Premier Bank Rochester	Rochester	MN	148,852	10.28	7.99	7.79	10.64	11.91	102.16	4.07	3.94
346	American National Bank of Minnesota	Baxter	MN	279,525	14.97	11.04	10.77	13.59	14.84	120.28	4.19	3.96
347	INSOUTH Bank	Brownsville	TN	302,903	8.91	7.03	6.36	10.63	11.91	95.06	4.50	3.97
348	The First State Bank	Ryan	OK	38,890	7.38	4.16	3.73	6.41	7.73	83.72	4.44	3.99
349	Community First Bank & Trust	Columbia	TN	638,654	9.29	6.62	6.41	9.11	10.39	97.20	4.21	3.99
350	HomeStreet Bank	Seattle	WA	2,297,919	6.94	5.91	5.64	8.51	9.79	84.42	4.34	4.02
351	Rabun County Bank	Clayton	GA	247,574	9.91	8.66	7.50	12.16	13.43	95.69	5.13	4.02
352	American Bank of St. Paul	Saint Paul	MN	429,845	8.04	5.83	5.42	8.12	9.42	84.63	4.40	4.03
353	Prairie Community Bank	Marengo	IL	127,659	14.65	10.07	8.86	11.71	13.01	104.92	5.29	4.03
354	Plaza Bank, Norridge, Illinois	Norridge	IL	382,303	11.48	7.88	6.58	10.02	11.33	100.61	5.49	4.07
355	ISB Community Bank	Ixonia	WI	348,135	8.37	6.88	6.70	8.79	10.06	90.61	4.27	4.11
356	American Founders Bank, Inc.	Lexington	KY	398,299	4.91	4.96	5.76	7.56	8.81	81.44	3.30	4.11
357	Bank of Coral Gables	Coral Gables	FL	121,506	8.75	6.36	5.49	10.16	11.44	97.00	4.85	4.13
358	Regal Bank & Trust	Owings Mills	MD	182,031	6.94	7.12	6.73	10.85	12.11	82.07	4.50	4.13
359	Monroe Bank & Trust	Monroe	MI	1,245,061	6.36	5.98	5.91	8.93	10.20	82.17	4.20	4.13
360	FSGBANK, National Association	Chattanooga	TN	1,121,882	6.86	6.86	6.42	10.64	11.91	80.38	4.66	4.19
361	Peoples Bank of East Tennessee	Madisonville	TN	229,291	10.26	8.02	8.06	12.01	13.26	109.56	4.27	4.23
362	PATRIOTS BANK	Liberty	MO	85,627	12.72	11.02	9.23	12.66	13.81	106.46	5.58	4.25
363	Atlantic Coast Bank	Jacksonville	FL	795,385	5.89	6.30	6.22	9.82	11.08	78.08	4.34	4.26
364	South County Bank, National Association	Rancho Santa Mar	CA	154,290	6.68	6.45	5.98	10.88	12.17	74.40	4.70	4.27
365	Heritage Community Bank	Greeneville	TN	114,857	8.74	8.14	7.66	11.33	12.59	92.62	4.62	4.29
366	Brighton Bank	Brighton	TN	69,782	7.68	6.72	6.38	8.61	9.88	86.68	4.62	4.29
367	The Palm Bank	Tampa	FL	134,167	7.01	8.04	6.89	10.71	11.98	71.15	5.50	4.30
368	Cherokee Bank, National Association	Canton	GA	176,419	7.92	7.16	7.04	10.08	11.28	89.30	4.44	4.30
369	Capitol National Bank	Lansing	MI	153,630	10.25	6.94	6.77	8.48	9.76	104.31	4.45	4.34
370	SouthFirst Bank	Sylacauga	AL	129,689	4.21	5.79	5.74	8.26	9.51	62.43	4.38	4.34
371	People's Bank and Trust Company of Pickett County	Byrdstown	TN	133,676	10.17	8.10	7.89	10.97	12.24	96.60	4.54	4.35
372	Heritage First Bank	Gulf Shores	AL	54,607	7.15	6.21	5.99	9.83	11.11	85.84	4.60	4.35
373	The Coastal Bank	Savannah	GA	437,073	10.14	11.40	8.82	11.53	12.78	80.07	7.22	4.35
374	Seaway Bank and Trust Company	Chicago	IL	625,563	8.62	8.38	8.08	19.09	20.36	91.50	4.65	4.36
375	Allegiance Community Bank	South Orange	NJ	130,564	3.24	5.84	5.47	9.79	11.05	49.36	4.74	4.37
376	Cornerstone Bank	Moorestown	NJ	390,403	4.39	6.59	6.65	8.77	10.80	59.92	4.38	4.39
377	Alliance Bank & Trust Company	Gastonia	NC	215,800	9.87	8.89	8.13	11.11	12.37	94.07	5.19	4.39
378	Brickyard Bank	Lincolnwood	IL	139,292	14.72	9.29	8.89	12.97	14.24	129.20	4.65	4.40
379	Magyar Bank	New Brunswick	NJ	524,022	8.54	8.38	8.07	12.11	13.21	93.78	4.74	4.40
380	Lone Star Bank	Houston	TX	127,959	10.53	9.05	8.93	12.99	14.25	104.08	4.48	4.41
381	Eastside  Commercial  Bank, National Association	Bellevue	WA	48,923	12.73	8.67	8.29	12.35	13.64	108.07	4.65	4.42
382	CenterBank of Jacksonville, National Association	Jacksonville	FL	132,984	7.35	5.63	4.78	6.57	7.86	78.86	5.22	4.43
383	Texas Savings Bank	Snyder	TX	120,667	8.84	6.14	5.92	9.36	10.66	89.20	4.60	4.43
384	The Bank of Versailles	Versailles	MO	275,795	14.28	7.68	7.31	11.82	13.15	115.87	4.73	4.44
385	Home Federal Bank of Hollywood	Hallandale Beach	FL	81,178	17.57	10.82	10.82	16.14	17.42	131.85	4.45	4.45
386	Sherburne State Bank	Becker	MN	74,087	8.58	9.41	8.97	12.32	12.77	88.16	4.95	4.46
387	Oconee State Bank	Watkinsville	GA	259,713	9.44	9.32	7.92	12.65	13.92	83.80	5.88	4.47
388	RiverWood  Bank	Baxter	MN	162,989	9.15	10.88	8.59	11.00	12.26	74.92	6.98	4.48
389	Peoples State Bank of Commerce	Nolensville	TN	241,901	8.55	9.18	6.22	8.58	9.89	63.99	7.58	4.52
390	First Utah Bank	Salt Lake City	UT	260,837	9.00	7.06	6.91	10.44	11.73	91.72	4.66	4.53
391	The Ohio State Bank	Marion	OH	129,403	6.36	8.46	6.62	9.81	11.07	65.91	6.50	4.53
392	The Trust Bank	Lenox	GA	28,290	9.71	9.34	8.87	13.11	14.36	93.46	5.07	4.55
393	Bank 1st	Albuquerque	NM	69,534	5.35	5.37	5.40	8.90	10.17	72.69	4.54	4.57
394	Highland Community Bank	Chicago	IL	99,034	7.95	5.93	5.65	9.11	10.42	82.65	4.84	4.59
395	Macon Bank, Inc.	Franklin	NC	910,141	7.80	6.87	6.61	9.45	10.72	85.59	4.90	4.63
396	1st Bank Oklahoma	Claremore	OK	191,470	6.09	9.82	7.89	13.52	13.59	61.73	6.54	4.63
397	Cornerstone National Bank	Easley	SC	166,315	12.54	10.40	10.03	13.47	14.73	107.28	5.01	4.66
398	Pacific West Bank	West Linn	OR	60,918	4.98	5.26	5.24	7.97	9.25	68.44	4.69	4.66
399	Southern Commerce Bank, National Association	Tampa	FL	113,461	27.57	14.39	14.07	24.97	26.38	127.90	4.85	4.66
400	Southern Bank	Sardis	GA	88,612	10.67	8.89	8.83	12.26	13.52	103.30	4.70	4.66
401	The Peoples Bank	Eatonton	GA	139,877	9.39	8.57	8.30	13.55	14.81	96.22	4.94	4.69
402	Premier Service Bank	Riverside	CA	145,084	8.81	7.94	7.86	9.88	11.15	87.26	4.77	4.69
403	Community Bank of Broward	Dania Beach	FL	476,357	9.50	8.52	8.38	9.85	13.07	94.04	4.81	4.70
404	Freedom Bank of America	Saint Petersburg	FL	82,279	5.89	6.47	6.20	7.03	8.29	71.98	4.92	4.70
405	Valley National Bank	Espanola	NM	302,554	11.76	9.40	8.44	16.28	17.58	98.48	5.60	4.70
406	Parkway Bank and Trust Company	Harwood Heights	IL	2,314,723	10.70	9.69	9.18	11.35	12.87	95.11	5.22	4.71
407	Landmark Community Bank, National Association	Isanti	MN	99,681	7.74	7.39	7.08	10.18	11.44	88.08	4.98	4.72
408	Cornerstone Community Bank	Chattanooga	TN	425,054	6.30	7.20	6.65	9.86	11.12	71.51	5.32	4.75
409	The Carver State Bank	Savannah	GA	40,854	6.86	7.21	7.19	10.38	11.43	86.43	4.78	4.76
410	Legacy Bank	Altoona	IA	82,254	8.39	8.86	8.40	12.52	13.78	82.45	5.11	4.79
411	The Foster Bank	Chicago	IL	494,952	12.29	9.36	8.87	10.84	12.12	103.11	5.14	4.80
412	First Bank and Trust	New Orleans	LA	814,648	5.87	6.67	6.47	10.32	11.58	71.90	4.98	4.80
413	Bank of Virginia	Midlothian	VA	175,404	10.51	7.65	7.17	10.83	12.16	89.63	5.24	4.81
414	Pineland State Bank	Metter	GA	58,929	10.14	9.65	9.55	14.65	15.91	93.64	4.93	4.82
415	The First Bank of Baldwin	Baldwin	WI	173,679	8.28	9.02	6.91	8.84	10.13	66.63	7.00	4.82
416	Citizens Union Bank of Shelbyville	Shelbyville	KY	601,973	8.57	8.86	8.12	10.28	11.54	82.15	5.66	4.85
417	EvaBank	Eva	AL	369,307	6.36	6.71	6.10	7.25	8.52	73.71	5.46	4.85
418	Johnson Bank	Racine	WI	4,142,397	5.71	5.74	5.10	7.33	9.47	64.39	5.50	4.86
419	Heritage Bank & Trust	Columbia	TN	126,396	12.16	7.47	6.94	9.01	10.31	103.34	5.33	4.86
420	Coast National Bank	San Luis Obispo	CA	135,677	6.30	6.10	6.06	9.65	10.95	70.43	4.91	4.87
421	INLAND BANK & TRUST	Oak Brook	IL	1,325,207	11.17	11.85	9.54	12.34	13.61	81.74	7.72	4.87
422	Northpointe Bank	Grand Rapids	MI	293,219	4.71	4.61	5.10	7.32	8.60	68.65	4.42	4.88
423	Community Bank of the South	Smyrna	GA	366,255	7.71	6.59	6.57	8.48	9.76	82.78	4.96	4.89
424	Pilot Bank	Tampa	FL	216,103	8.63	9.05	7.89	9.81	11.07	78.92	6.12	4.89
425	Citizens First State Bank of Walnut	Walnut	IL	58,135	5.56	7.66	6.37	11.88	13.17	59.21	6.16	4.89
426	Thayer County Bank	Hebron	NE	60,422	7.08	8.89	8.00	12.01	12.91	74.64	5.82	4.90
427	Maple Bank	Champlin	MN	75,632	8.07	8.50	8.55	13.86	15.12	82.17	5.27	4.90
428	Citizens Bank and Trust	Frostproof	FL	460,371	5.94	7.53	6.57	9.91	11.17	65.16	5.89	4.91
429	Florida Bank	Tampa	FL	744,119	7.25	6.40	5.97	9.04	10.33	77.14	5.31	4.91
430	SunSouth Bank	Dothan	AL	201,963	11.18	9.67	9.16	11.94	13.20	95.44	5.47	4.92
431	FirsTier Bank	Kimball	NE	242,644	12.67	9.36	9.20	11.70	13.00	102.21	5.03	4.92
432	Meramec Valley Bank	Valley Park	MO	100,880	11.21	8.55	8.25	12.35	13.61	112.04	5.13	4.93
433	Security Bank of Kansas City	Kansas City	KS	838,402	11.07	13.79	9.63	13.10	14.36	71.68	9.46	4.94
434	Independence National Bank	Greenville	SC	113,099	9.13	8.08	7.89	9.70	10.97	89.87	5.12	4.94
435	Tennessee State Bank	Pigeon Forge	TN	740,169	9.19	7.91	7.82	10.28	11.56	91.96	5.07	4.96
436	Commercial Bank	Harrogate	TN	840,693	7.57	10.54	8.29	12.34	13.60	65.73	7.36	4.96
437	OMNIBANK, National Association	Houston	TX	349,926	10.33	9.79	9.50	13.18	14.44	91.16	5.61	4.97
438	Pinnacle Bank	Orange City	FL	212,638	6.00	6.81	6.05	8.53	9.81	64.53	5.81	4.97
439	Southport Bank	Kenosha	WI	291,821	11.18	5.88	5.76	7.04	8.35	99.60	5.08	4.97
440	United Bank of Philadelphia	Philadelphia	PA	78,014	4.63	7.03	6.48	11.54	12.80	57.55	5.53	4.98
441	First State Bank of Kiester	Kiester	MN	17,834	3.08	6.22	6.22	10.46	11.35	45.80	5.05	5.00
442	The Woodbury Banking Company	Woodbury	GA	27,932	4.58	6.83	6.54	10.82	12.07	58.66	5.26	5.00
443	Gateway Bank, F.S.B.	San Francisco	CA	266,546	4.49	4.18	5.11	8.62	9.89	74.98	4.07	5.01
444	First American Bank	Fort Dodge	IA	1,425,818	4.44	6.22	5.52	9.77	11.06	51.63	5.72	5.02
445	First American Bank and Trust Company	Athens	GA	559,691	7.94	9.27	8.45	14.66	15.88	79.53	5.85	5.03
446	Bank of Westminster	Westminster	SC	28,179	6.99	6.64	6.00	10.71	12.01	72.39	5.64	5.04
447	California Business Bank	Los Angeles	CA	97,406	7.91	6.55	6.75	9.80	11.10	78.32	4.90	5.05
448	Millennium Bank	Edwards	CO	255,900	6.42	7.54	6.82	9.40	10.67	66.62	5.77	5.06
449	The University National Bank of Lawrence	Lawrence	KS	74,282	8.25	7.17	6.21	11.14	12.44	82.53	5.97	5.06
450	Peoples Bank & Trust Co.	Troy	MO	397,495	8.96	8.16	7.70	10.28	11.56	82.16	5.54	5.07
451	Home Bank of Arkansas	Portland	AR	72,762	10.98	9.76	9.35	12.57	13.83	98.14	5.46	5.08
452	Foundations Bank	Pewaukee	WI	171,602	5.91	7.89	6.20	8.83	10.11	57.02	6.79	5.09
453	Peoples Bank	Lawrence	KS	450,738	6.61	6.70	7.82	10.34	11.60	82.41	4.30	5.11
454	Lake Country Community Bank	Morristown	MN	30,989	4.97	6.56	4.14	6.72	8.02	49.52	7.46	5.11
455	Suburban Bank & Trust Company	Elmhurst	IL	585,509	9.69	7.83	7.77	10.97	12.26	90.39	5.17	5.12
456	Blaine State Bank	Blaine	MN	39,960	7.33	15.05	6.95	10.17	11.44	44.00	13.51	5.14
457	BANKWEST	Rockford	MN	105,771	8.55	7.79	7.56	10.07	11.35	83.18	5.37	5.16
458	Allied First Bank,sb	Oswego	IL	140,959	3.10	5.42	5.44	7.98	9.24	43.14	5.13	5.16
459	Liberty Bell Bank	Marlton	NJ	169,184	7.09	8.61	8.42	10.23	11.38	74.33	5.42	5.19
460	The Jacksonville Bank	Jacksonville	FL	601,757	9.30	11.35	8.16	9.81	11.08	68.64	8.61	5.24
461	Peoples Bank	Lyons	GA	53,244	10.58	10.16	9.79	15.26	16.52	92.77	5.65	5.25
462	The National Bank of Cambridge	Cambridge	MD	211,175	10.40	11.32	9.19	14.07	15.35	77.48	7.60	5.25
463	Regent Bank	Davie	FL	443,115	7.27	8.05	7.16	9.00	10.26	75.16	6.17	5.26
464	Prosperity Bank	Saint Augustine	FL	800,960	4.41	7.64	6.15	9.31	11.34	47.96	6.80	5.28
465	BankAtlantic	Fort Lauderdale	FL	3,707,309	9.15	8.25	8.29	12.77	14.96	89.95	5.25	5.28
466	Bank of the Prairie	Olathe	KS	87,659	8.34	9.15	7.44	9.91	11.17	78.36	7.05	5.30
467	Indiana Community Bank	Goshen	IN	124,087	6.89	6.77	6.79	9.32	10.60	72.59	5.30	5.32
468	Emigrant Savings Bank - Brooklyn/Queens	Brooklyn	NY	798,856	7.74	7.61	7.90	25.39	26.64	96.25	5.08	5.35
469	Bank of Idaho	Idaho Falls	ID	223,198	5.48	6.94	6.66	9.37	10.64	60.98	5.62	5.35
470	Norstates Bank	Waukegan	IL	503,084	12.05	8.51	8.20	11.71	13.01	99.15	5.66	5.35
471	Bank of North Carolina	Thomasville	NC	2,196,410	6.24	8.71	7.57	10.80	12.37	63.63	6.57	5.36
472	First Federal Savings and Loan Association of Hammond	Hammond	IN	50,652	6.18	6.70	6.23	11.96	13.24	71.19	5.85	5.37
473	Highland Bank	Saint Michael	MN	461,524	6.19	7.98	7.17	11.21	12.48	63.69	6.19	5.37
474	Mercantile Bank	Quincy	IL	648,548	4.73	6.69	6.44	9.14	10.42	56.53	5.64	5.38
475	Bank of The Rockies, National Association	White Sulphur Sp	MT	124,784	11.40	10.63	9.55	13.02	14.28	92.79	6.58	5.38
476	Home Savings Bank	Jefferson City	MO	30,533	8.59	8.79	8.79	15.09	16.34	89.92	5.38	5.38
477	South Georgia Bank	Glennville	GA	130,345	7.24	8.52	8.41	11.61	12.87	73.55	5.49	5.38
478	Farmers & Merchants Bank	Eatonton	GA	211,487	13.06	11.32	11.06	17.17	18.44	102.12	5.66	5.41
479	The Peoples Bank	Ewing	VA	91,324	8.12	8.55	8.22	11.99	13.24	82.37	5.79	5.42
480	Commerce Bank of Arizona	Tucson	AZ	274,281	7.73	8.89	8.99	15.06	16.30	77.95	5.37	5.42
481	Bay Bank	Green Bay	WI	113,919	9.01	9.42	8.32	11.68	12.97	75.08	6.65	5.43
482	Connecticut Community Bank, National Association	Westport	CT	400,986	8.60	9.91	9.09	12.63	13.89	74.82	6.25	5.43
483	Citizens Bank of West Virginia, Inc.	Elkins	WV	231,933	7.99	8.49	8.54	13.58	14.84	79.21	5.33	5.43
484	Broadway Federal Bank, f.s.b.	Los Angeles	CA	422,427	11.36	8.23	8.16	10.91	12.20	98.44	5.52	5.44
485	North Milwaukee State Bank	Milwaukee	WI	91,142	9.00	9.21	8.89	12.10	13.36	84.28	5.80	5.45
486	Merchants Bank of Alabama	Cullman	AL	255,662	6.17	7.82	7.64	11.52	12.77	68.59	5.64	5.45
487	First Bank	Clewiston	FL	239,963	6.23	8.29	7.38	9.47	10.73	62.95	6.40	5.46
488	First Home Bank	Seminole	FL	75,407	7.81	7.67	7.64	10.46	11.72	84.17	5.47	5.46
489	Columbia Community Bank	Hillsboro	OR	363,911	6.72	8.41	7.38	9.66	10.92	64.22	6.59	5.50
490	Marine Bank & Trust Company	Vero Beach	FL	140,324	6.12	8.17	6.35	7.96	9.22	57.39	7.35	5.51
491	Northeast Georgia Bank	Lavonia	GA	427,125	7.84	8.78	8.82	13.29	14.55	79.54	5.45	5.51
492	Ameris Bank	Moultrie	GA	3,021,523	11.20	10.89	10.46	18.99	20.25	92.85	5.94	5.52
493	Pine River Valley Bank	Bayfield	CO	150,279	9.35	9.41	8.44	12.47	13.74	81.90	6.43	5.52
494	Pacific Rim Bank	Honolulu	HI	129,470	3.38	6.35	6.14	10.77	12.04	42.49	5.72	5.53
495	Heartland Bank	Saint Louis	MO	893,529	4.72	7.01	6.47	9.60	10.86	54.63	6.10	5.55
496	Glasgow Savings Bank	Glasgow	MO	25,561	6.46	5.62	5.19	7.21	8.39	70.23	6.03	5.57
497	Bank of Palatine	Palatine	IL	58,003	4.82	7.14	7.10	21.54	22.80	60.66	5.64	5.59
498	Bank of Franklin County	Washington	MO	226,892	6.86	8.72	8.05	10.53	11.78	67.42	6.27	5.60
499	First Reliance Bank	Florence	SC	511,549	8.40	9.45	8.92	12.05	13.31	78.47	6.12	5.61
500	The Citizens Bank of Logan, Ohio	Logan	OH	252,574	6.38	8.49	8.21	10.45	11.71	65.77	5.89	5.63
501	The Brand Banking Company	Lawrenceville	GA	1,224,345	14.15	11.50	10.01	14.36	15.66	91.89	7.20	5.63
502	Community Resource Bank	Northfield	MN	240,623	6.70	9.57	7.32	10.28	11.55	56.72	7.96	5.63
503	BANK 360	Beresford	SD	40,940	4.78	7.57	7.06	10.84	12.11	51.18	6.16	5.64
504	Sanibel Captiva Community Bank	Sanibel	FL	228,047	8.67	8.70	8.58	11.72	12.98	84.03	5.75	5.64
505	Lake Area Bank	Lindstrom	MN	278,264	7.74	9.38	8.16	11.33	12.58	69.23	6.96	5.66
506	Artisans' Bank	Wilmington	DE	553,391	4.95	7.50	6.44	8.34	9.61	51.75	6.71	5.66
507	Heritage Bank	Topeka	KS	52,742	3.93	5.74	5.06	6.84	8.13	45.49	6.34	5.67
508	Park Federal Savings Bank	Chicago	IL	202,762	6.32	7.10	6.99	12.33	13.58	74.39	5.80	5.68
509	Peoples Community National Bank	Bremen	GA	53,282	10.64	9.86	8.56	12.91	14.16	84.74	6.85	5.69
510	First Place Bank	Warren	OH	2,871,482	5.77	6.40	6.03	8.46	9.74	63.07	6.07	5.70
511	Grand  Bank of Texas	Grand Prairie	TX	121,932	4.37	7.20	7.28	8.99	10.13	54.09	5.63	5.70
512	Bank of the Lakes, National Association	Owasso	OK	192,379	8.43	10.35	10.01	12.11	13.16	72.90	6.01	5.71
513	First National Bank Midwest	Oskaloosa	IA	99,140	9.81	11.18	9.45	12.45	13.71	76.21	7.56	5.71
514	Border State Bank	Greenbush	MN	336,609	6.56	8.83	8.26	9.79	11.04	64.27	6.33	5.72
515	The Exchange Bank	Skiatook	OK	91,110	5.91	8.89	7.87	13.23	14.50	58.48	6.77	5.72
516	Highlands Independent Bank	Sebring	FL	264,234	7.80	7.57	6.88	10.57	11.86	72.73	6.39	5.72
517	Great Northern Bank	Saint Michael	MN	68,359	4.75	5.69	5.65	8.11	9.39	58.71	5.76	5.72
518	First National Bank	Goodland	KS	238,707	4.04	7.25	6.08	9.98	11.26	43.36	6.92	5.75
519	First State Bank	Lonoke	AR	256,199	8.56	9.04	8.68	11.80	13.06	83.89	6.10	5.75
520	NEW FRONTIER BANK	Saint Charles	MO	133,817	12.79	10.56	9.48	11.66	12.95	91.20	6.92	5.76
521	Foundation Bank	Bellevue	WA	348,574	11.11	8.58	8.33	9.97	11.26	89.12	6.01	5.77
522	First Federal Bank	Lexington	KY	133,173	11.66	10.79	9.01	12.18	13.46	86.13	7.67	5.77
523	Union State Bank	Pell City	AL	276,884	6.75	8.04	7.52	12.91	14.19	66.78	6.30	5.78
524	State Bank of Illinois	West Chicago	IL	201,461	8.16	9.77	8.95	13.76	15.02	75.58	6.70	5.80
525	ProGrowth Bank	Nicollet	MN	131,702	6.03	7.49	7.63	11.33	12.59	67.93	5.57	5.82
526	Home Federal Savings Bank	Rochester	MN	818,336	6.46	7.95	7.79	10.37	11.62	65.21	5.99	5.82
527	Advance Bank	Baltimore	MD	70,291	5.72	10.01	7.31	11.81	13.07	51.16	8.61	5.82
528	Advantage National Bank	Elk Grove Villag	IL	614,647	6.95	11.06	9.11	12.23	14.23	58.97	8.00	5.82
529	United Trust Bank	Palos Heights	IL	42,489	11.25	10.96	10.89	16.24	17.25	96.66	5.89	5.83
530	First Federal of South Carolina, FSB	Walterboro	SC	109,238	5.51	7.42	8.07	14.27	15.44	68.27	5.19	5.84
531	Alarion Bank	Ocala	FL	300,371	4.94	8.05	6.83	9.50	10.77	50.16	7.07	5.84
532	The Home Savings and Loan Company	Youngstown	OH	2,074,393	8.28	8.71	8.13	11.98	13.25	76.41	6.40	5.84
533	The Union Bank	Marksville	LA	226,427	5.36	8.01	7.92	11.92	13.17	59.78	5.93	5.84
534	State Bank of Herscher	Herscher	IL	198,874	12.39	9.29	9.15	13.42	14.71	98.24	6.03	5.84
535	Securant Bank & Trust	Menomonee Falls	WI	238,553	8.65	8.37	8.08	10.90	12.18	80.47	6.08	5.85
536	Bank of Botetourt	Buchanan	VA	316,028	6.48	7.48	7.66	9.85	11.21	69.11	5.68	5.85
537	NBRS Financial	Rising Sun	MD	250,074	5.58	6.81	6.70	9.27	10.46	62.30	5.95	5.85
538	American Bank	Bozeman	MT	337,446	10.74	9.30	9.27	10.98	17.50	89.60	5.87	5.85
539	Horizon Community Bank	Lake Havasu City	AZ	155,134	6.28	8.41	8.23	11.62	12.87	65.96	6.02	5.85
540	Bank of George	Las Vegas	NV	116,113	11.18	7.58	7.45	11.13	12.44	93.01	5.96	5.85
541	RiverBank	Spokane	WA	151,162	4.56	6.85	6.74	9.13	10.38	53.61	5.96	5.86
542	Benchmark Bank	Gahanna	OH	117,368	13.30	9.05	8.94	13.81	15.10	110.21	5.99	5.89
543	Greer State Bank	Greer	SC	385,836	4.72	7.35	6.76	10.20	11.46	52.49	6.44	5.89
544	Farmers State Bank of Dent	Dent	MN	31,252	4.67	7.59	7.12	11.26	12.25	52.64	6.36	5.89
545	Citizens Bank of Chatsworth	Chatsworth	IL	45,911	6.08	8.27	7.98	10.89	12.07	62.66	6.16	5.89
546	Maryland Financial Bank	Towson	MD	83,013	6.05	8.11	8.18	12.88	14.14	63.49	5.87	5.91
547	SouthBank, a Federal Savings Bank	Palm Beach Garde	FL	23,786	5.65	8.18	8.27	21.05	22.31	62.44	5.81	5.91
548	Customers Bank	Phoenixville	PA	1,862,889	4.82	7.34	8.13	12.21	13.57	59.52	5.39	5.92
549	CBC NATIONAL BANK	Fernandina Beach	FL	441,162	8.19	8.85	9.21	14.59	15.86	80.61	5.83	5.93
550	Grayson National Bank	Independence	VA	355,430	7.27	8.20	8.37	12.57	13.84	75.44	5.79	5.93
551	PNA Bank	Chicago	IL	153,900	9.72	8.29	8.02	10.42	11.68	95.31	6.21	5.93
552	Pikes Peak National Bank	Colorado Springs	CO	78,058	11.27	10.03	10.16	18.97	20.28	92.67	5.85	5.93
553	National Bank of Tennessee	Newport	TN	174,885	8.56	9.65	9.24	14.55	15.81	77.31	6.41	5.94
554	Advantage Bank	Cambridge	OH	792,665	4.86	6.15	6.34	7.79	9.06	59.54	5.77	5.94
555	Georgia Primary Bank	Atlanta	GA	294,145	9.87	9.83	9.74	11.38	12.65	84.03	6.01	5.95
556	Firstbank of Puerto Rico	Santurce	PR	13,461,555	10.44	8.82	8.24	10.84	12.15	83.54	6.52	5.97
557	Community Bank of Bergen County, N. J.	Maywood	NJ	314,449	6.57	8.35	8.16	11.76	13.01	70.91	6.16	5.97
558	OmniBank	Mantee	MS	78,040	7.12	7.63	7.55	10.78	12.05	72.90	6.07	5.98
559	TruPoint Bank	Grundy	VA	440,561	6.50	9.49	8.05	13.92	15.19	58.59	7.46	5.99
Last updated by Obseedian on 11/27/2011
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