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.

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