UNOFFICIAL Troubled Bank List as of 06/30/2008

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	Integrity Bank	Alpharetta	GA	1,107,514	32.64	3.10	3.00	3.83	7.06	510.36	-15.80	-14.51		Failed on 08/29/2008
2	Security Bank of Gwinnett County	Suwanee	GA	369,163	27.77	6.54	6.76	8.78	10.08	265.03	-6.98	-6.16
3	Ameribank, Inc.	Welch	WV	103,965	33.74	2.63	2.14	2.85	4.19	366.27	-5.24	-5.82
4	First Priority Bank	Bradenton	FL	258,610	18.08	0.58	0.70	0.86	1.72	376.43	-6.36	-5.77		Failed on 08/01/2008
5	Magnet Bank	Salt Lake City	UT	344,782	27.81	6.57	5.76	6.96	8.25	257.42	-6.75	-5.45
6	Eastern Savings Bank, FSB	Hunt Valley	MD	1,115,502	36.64	12.51	11.52	15.51	16.26	259.97	-3.06	-4.44
7	First Georgia Community Bank	Jackson	GA	263,552	23.02	7.03	4.90	6.25	7.56	198.81	-2.43	-4.43
8	The Community Bank	Loganville	GA	628,056	24.43	6.49	6.41	7.20	8.48	236.66	-4.52	-4.42
9	Ebank	Atlanta	GA	137,801	15.24	3.84	4.42	5.69	6.94	300.92	-4.38	-3.74
10	The State Bank of Lebo	Lebo	KS	25,457	16.39	5.68	5.51	7.47	8.74	202.87	-3.86	-3.51
11	PFF Bank & Trust	Pomona	CA	4,103,238	17.56	5.62	5.59	7.09	8.35	246.23	-3.46	-3.50		Acquired by FBOP Corp.
12	Alpha Bank & Trust	Alpharetta	GA	383,235	19.78	5.20	5.27	5.67	6.96	213.63	-2.83	-2.74
13	First Security National Bank	Norcross	GA	147,037	23.73	10.58	9.82	11.71	12.96	201.15	-2.81	-2.60
14	FirstCity Bank	Stockbridge	GA	255,419	19.13	7.60	7.70	9.23	10.48	216.68	-2.12	-2.12
15	Ocala National Bank	Ocala	FL	258,250	17.64	5.22	5.10	6.97	8.24	235.53	-1.35	-1.27
16	Southern Community Bank	Fayetteville	GA	378,117	18.12	7.66	7.01	8.78	10.04	196.32	-0.20	-0.91
17	Main Street Bank	Northville	MI	112,368	9.49	2.49	2.28	2.94	4.20	224.78	-0.83	-0.75
18	American Sterling Bank	Sugar Creek	MO	258,100	4.90	3.08	1.55	3.02	3.11	156.53	0.96	-0.64
19	FirstBank Financial Services	Mcdonough	GA	394,540	14.67	6.31	5.94	8.42	9.69	175.95	-0.45	-0.29
20	Imperial Savings and Loan Association	Martinsville	VA	9,265	4.06	1.46	1.43	2.24	3.50	174.07	-0.23	-0.27
21	IndyMac Bank, F.S.B.	Pasadena	CA	30,698,512	7.57	3.72	3.13	3.28	4.55	142.59	1.76	-0.20		Failed on 07/11/2008
22	Security Savings Bank	Henderson	NV	254,545	18.68	8.82	9.53	11.96	14.19	177.10	-0.65	-0.17
23	The Columbian Bank and Trust Company	Topeka	KS	735,071	14.33	5.92	6.00	6.27	8.98	174.30	-0.13	-0.16		Failed on 08/22/2008
24	Security Pacific Bank	Los Angeles	CA	587,669	18.31	6.31	6.00	7.06	8.36	162.87	-0.13	-0.11
25	Platinum Community Bank	Rolling Meadows	IL	80,221	14.93	4.27	4.57	6.88	8.14	250.97	-0.42	-0.08
26	Federal Trust Bank	Sanford	FL	636,802	10.83	5.73	4.61	6.97	8.24	148.16	1.28	0.05
27	Citizens Community Bank	Ridgewood	NJ	46,405	13.65	3.96	4.17	5.60	6.89	189.19	0.06	0.06
28	Neighborhood Community Bank	Newnan	GA	240,062	17.52	8.84	8.84	10.20	11.45	176.53	0.06	0.09
29	Centennial Bank	Ogden	UT	212,257	20.56	10.15	10.07	10.86	12.13	165.64	0.27	0.28
30	Fremont Investment & Loan	Brea	CA	5,657,341	7.06	4.06	4.42	7.88	7.89	173.67	0.21	0.44		Acquired by CapitalSource
31	First National Bank of Nevada	Reno	NV	3,411,145	15.23	6.39	5.07	5.49	6.78	148.00	1.66	0.51		Failed on 07/25/2008
32	Sun Security Bank	Ellington	MO	393,964	19.72	9.75	8.67	12.77	14.07	150.84	1.29	0.53
33	Mesa Bank	Mesa	AZ	227,105	13.29	8.42	8.17	9.27	10.30	143.18	1.46	0.77
34	Freedom Bank	Bradenton	FL	284,145	14.01	4.66	3.00	3.64	4.97	127.09	2.67	1.04
35	1st Centennial Bank	Redlands	CA	762,106	12.12	7.55	7.38	9.35	10.61	136.87	1.70	1.13
36	Community Bank of Lemont	Lemont	IL	101,390	12.41	6.75	7.14	8.24	9.43	151.72	0.99	1.15
37	Jennings State Bank	Spring Grove	MN	47,875	18.46	8.36	7.95	9.90	11.17	178.41	1.27	1.20
38	Butler Bank	Lowell	MA	244,077	13.02	7.90	7.79	9.21	10.46	144.82	1.36	1.34
39	First Piedmont Bank	Winder	GA	132,612	14.29	8.65	8.89	10.03	11.28	146.83	1.25	1.34
40	First State Bank of Altus	Altus	OK	124,546	7.33	5.05	4.93	6.20	7.42	121.34	1.70	1.66
41	Omni National Bank	Atlanta	GA	1,029,911	11.59	5.81	5.43	7.69	9.23	142.02	1.99	1.72
42	Meridian Bank	Eldred	IL	44,217	4.39	7.05	4.02	5.39	6.64	54.61	5.29	2.14
43	Texas National Bank	Mercedes	TX	73,854	10.12	5.75	4.79	6.22	7.51	108.32	3.13	2.20
44	First National Bank of Brookfield	Brookfield	IL	283,307	11.81	7.72	7.41	10.11	11.36	131.45	2.51	2.35
45	Suburban Federal Savings Bank	Crofton	MD	381,447	11.11	6.66	6.66	9.61	10.87	137.81	2.38	2.37
46	Freedom Bank of Georgia	Commerce	GA	151,036	11.49	7.20	6.88	8.01	9.28	123.84	2.83	2.45
47	Franklin Bank, S.S.B.	Houston	TX	5,572,332	8.80	7.62	5.75	8.52	10.16	100.77	4.35	2.50
48	First National Bank of Georgia	Carrollton	GA	906,196	9.74	9.32	6.48	8.23	9.50	86.67	5.70	2.55
49	Silver State Bank	Henderson	NV	1,957,120	13.63	6.87	6.56	7.57	8.86	124.99	2.81	2.65
50	Horizon Bank	Pine City	MN	96,630	11.43	7.38	7.57	9.22	10.48	127.72	2.73	2.84
51	Westsound Bank	Bremerton	WA	428,546	24.69	10.95	9.74	13.54	14.88	140.96	3.26	2.87
52	Alliance Bank	Culver City	CA	1,118,553	7.97	6.12	6.04	7.17	8.43	102.60	2.95	2.91
53	Family Bank and Trust Co.	Palos Hills	IL	80,972	7.40	5.84	5.88	7.66	8.92	103.99	2.98	3.05
54	The Peoples Bank	Lithonia	GA	225,273	11.63	7.29	7.06	9.42	10.70	117.43	3.07	3.06
55	The Bank of Bonifay	Bonifay	FL	241,564	8.44	6.48	6.72	9.01	10.27	109.76	3.11	3.25
56	Community National Bank of Sarasota County	Venice	FL	103,255	10.36	7.87	7.43	10.25	11.51	112.48	3.51	3.30
57	Lowell Co-operative Bank	Lowell	MA	97,379	5.29	6.21	4.95	7.41	8.66	73.87	4.52	3.31
58	United Security Bank	Sparta	GA	148,177	9.86	6.85	6.76	8.21	9.47	117.16	3.40	3.35
59	Central Progressive Bank	Lacombe	LA	480,926	19.74	11.39	10.89	12.57	13.85	131.07	3.52	3.35
60	Haven Trust Bank	Duluth	GA	557,594	7.59	6.10	6.74	7.59	8.75	107.75	3.03	3.40
61	McIntosh Commercial Bank	Carrollton	GA	384,098	11.10	8.73	8.36	9.94	11.19	112.83	3.63	3.45
62	Mainstreet Bank	Forest Lake	MN	435,163	8.17	7.24	6.95	8.86	10.05	94.37	3.84	3.49
63	Gateway Bank of St. Louis	Saint Louis	MO	38,688	12.76	7.42	6.58	10.97	12.27	132.84	4.33	3.51
64	BankCherokee	Saint Paul	MN	278,030	10.11	8.07	7.95	10.72	11.99	103.02	3.72	3.69
65	Century Bank, a Federal Savings Bank	Sarasota	FL	920,968	5.96	5.37	5.46	7.36	10.22	88.01	3.64	3.73
66	County Bank	Merced	CA	2,061,630	6.70	7.25	6.10	7.35	9.83	75.63	4.99	3.75
67	Town Center Bank	Coppell	TX	59,729	10.69	8.09	7.62	9.91	11.18	104.86	4.08	3.83
68	Habersham Bank	Clarkesville	GA	501,644	9.84	9.55	9.12	11.71	12.33	98.11	4.38	3.92
69	Commercial Bank	Bassett	NE	37,940	12.41	9.03	7.82	12.82	14.13	91.08	4.57	3.93
70	Warren Bank	Warren	MI	621,847	15.14	8.47	9.23	10.75	12.04	124.66	3.31	3.93
71	Farmers & Merchants Bank	Lakeland	GA	591,195	6.36	6.42	7.01	8.08	11.43	86.05	3.68	4.04
72	Community Capital Bank	Jonesboro	GA	194,420	12.27	9.02	9.40	12.59	14.01	121.86	3.67	4.06
73	Integrity Bank	Jupiter	FL	139,186	12.27	9.51	9.14	10.68	11.95	104.93	4.57	4.07
74	ISN Bank	Cherry Hill	NJ	145,650	8.43	5.78	4.99	7.42	8.74	81.66	4.85	4.09
75	Statewide Bank	Covington	LA	272,411	5.76	5.62	5.40	7.35	8.61	77.88	4.24	4.11
76	Heritage Community Bank	Glenwood	IL	263,037	11.55	5.40	5.06	6.72	7.98	105.62	4.39	4.12
77	First Cherokee State Bank	Woodstock	GA	322,531	9.93	8.04	8.39	10.44	11.70	103.54	3.74	4.18
78	Mutual Bank	Harvey	IL	1,698,196	8.66	7.13	7.24	7.50	8.76	93.97	4.21	4.20
79	First Suburban National Bank	Maywood	IL	202,210	4.68	5.96	5.93	8.25	9.50	67.96	4.23	4.22
80	Security Bank of North Metro	Woodstock	GA	215,152	8.29	7.90	7.64	8.85	10.10	90.97	4.39	4.25
81	Michigan Heritage Bank	Farmington Hills	MI	182,322	8.99	7.29	7.28	8.49	9.74	96.53	4.23	4.26
82	Doral Bank	Catano	PR	8,821,964	5.75	5.97	6.11	12.25	13.51	79.69	4.15	4.29
83	Riverside Bank of the Gulf Coast	Cape Coral	FL	620,537	7.17	4.75	5.96	8.84	10.12	102.12	3.10	4.32
84	Florida Community Bank	Immokalee	FL	989,526	15.62	11.41	12.14	13.95	15.21	119.09	4.09	4.37
85	Oakland Commerce Bank	Farmington Hills	MI	108,546	9.87	7.70	8.01	10.08	11.35	98.45	4.24	4.39
86	Lake Area Bank	Lindstrom	MN	307,124	5.75	8.14	7.07	8.84	10.09	62.85	5.61	4.50
87	First State Bank	Danville	VA	27,310	7.25	4.17	4.25	6.23	7.58	94.33	4.42	4.51
88	The Park Avenue Bank	New York	NY	468,594	3.63	5.57	5.87	7.76	8.92	56.43	4.30	4.61
89	Lake Community Bank	Long Lake	MN	169,222	7.89	7.48	7.85	9.51	10.76	87.21	4.29	4.64
90	ProGrowth Bank	Nicollet	MN	138,742	6.95	6.94	7.72	10.67	11.93	87.00	3.97	4.65
91	Premier Bank Minnesota	Farmington	MN	193,535	6.96	7.20	7.17	8.30	9.56	79.61	4.69	4.65
92	Integrity Bank Plus	Wabasso	MN	45,153	6.36	9.13	8.52	10.65	11.69	63.99	5.41	4.69
93	The Tattnall Bank	Reidsville	GA	69,572	6.88	6.49	6.50	7.97	9.23	84.92	4.69	4.70
94	First Tuskegee Bank	Tuskegee	AL	82,790	7.61	7.17	7.77	10.36	11.62	91.36	4.13	4.70
95	Citizens & Merchants State Bank	Douglasville	GA	278,719	9.79	8.33	7.99	8.80	10.07	92.23	4.96	4.73
96	Citizens Bank and Trust of West Georgia	Carrollton	GA	487,469	8.39	7.90	7.52	9.77	11.03	86.37	5.08	4.75
97	BankHaven	Haven	KS	30,426	3.89	6.93	5.48	8.59	9.86	45.84	6.23	4.77
98	Rocky Mountain Bank & Trust Florence	Florence	CO	212,221	3.36	4.43	6.03	11.28	12.27	67.51	3.12	4.78
99	Bramble Savings Bank	Milford	OH	53,957	10.13	7.60	7.44	11.93	13.20	110.47	4.91	4.80
100	Currie State Bank	Currie	MN	52,335	7.93	7.32	7.37	8.51	9.78	83.62	4.80	4.84
101	Westernbank Puerto Rico	Mayaguez	PR	17,081,956	4.63	5.77	6.44	10.31	11.57	65.53	4.18	4.85
102	Clarkston State Bank	Clarkston	MI	149,271	3.60	7.53	5.62	6.69	7.95	40.83	6.75	4.85
103	United Bank and Trust Company	New Orleans	LA	23,980	5.06	6.20	6.10	9.95	11.20	69.85	4.92	4.88
104	Chestatee State Bank	Dawsonville	GA	285,846	12.44	9.27	9.12	10.25	11.53	101.83	4.97	4.90
105	Orion Bank	Naples	FL	2,889,461	4.73	5.52	5.55	7.63	9.59	61.16	4.85	4.91
106	New Liberty Bank	Plymouth	MI	115,560	6.11	6.99	6.69	8.18	10.65	69.29	5.32	4.96
107	Vineyard Bank, National Association	Rancho Cucamonga	CA	2,335,579	9.37	7.98	8.28	8.76	10.03	91.73	4.71	4.97
108	Bank of Lincolnwood	Lincolnwood	IL	231,047	7.00	8.09	8.24	10.35	11.34	78.54	4.73	4.97
109	Iowa Savings Bank	Carroll	IA	155,084	3.74	6.39	6.15	8.74	10.00	46.44	5.18	4.97
110	Texico State Bank	Texico	IL	9,354	8.08	7.70	8.41	16.10	17.44	96.43	4.32	4.99
111	Eurobank	San Juan	PR	2,828,719	4.72	6.44	6.77	9.24	10.50	62.83	4.66	5.00
112	First Commerce Community Bank	Douglasville	GA	281,811	9.77	7.86	7.77	8.83	10.09	94.98	5.08	5.03
113	AmTrust Bank	Cleveland	OH	15,898,116	7.86	7.88	7.91	11.54	12.80	88.38	5.07	5.10
114	McIntosh State Bank	Jackson	GA	451,525	8.99	8.13	7.97	9.80	11.07	87.91	5.25	5.10
115	Citizens Bank and Trust Company of Chicago	Chicago	IL	68,888	4.60	7.24	6.74	8.27	9.08	57.94	5.49	5.11
116	Key West Bank	Key West	FL	107,357	6.71	7.60	7.60	12.36	13.28	82.09	5.14	5.14
117	Mainstreet Savings Bank, FSB	Hastings	MI	107,644	2.91	6.47	5.87	9.12	10.00	41.34	5.75	5.14
118	Security Bank of Houston County	Perry	GA	340,253	5.11	6.22	6.79	8.83	10.09	68.13	4.58	5.14
119	Sauk Valley Bank & Trust Company	Sterling	IL	213,289	4.10	6.82	7.04	8.88	10.68	52.84	4.95	5.15
120	First Bank	West Des Moines	IA	172,847	5.58	6.55	7.01	9.01	10.26	71.22	4.66	5.16
121	Bradford Bank	Baltimore	MD	527,707	3.47	7.90	6.31	9.42	10.59	40.01	6.83	5.20
122	DESERT HILLS BANK	Phoenix	AZ	516,764	8.56	8.94	8.88	9.68	10.65	87.40	5.37	5.22
123	America West Bank	Layton	UT	293,786	8.02	8.54	8.67	9.97	11.20	83.46	5.10	5.22
124	Highland Bank	Saint Michael	MN	502,970	5.41	6.30	7.18	10.35	11.60	73.98	4.29	5.23
125	RCSBank	New London	MO	54,993	11.36	9.09	9.02	11.92	13.23	94.32	5.22	5.23
126	American State Bank	Tulsa	OK	11,108	4.16	7.61	7.25	11.60	12.28	51.62	5.53	5.26
127	CenterBank of Jacksonville, National Association	Jacksonville	FL	219,785	5.08	7.50	6.79	8.77	10.02	57.09	5.97	5.28
128	Americana Community Bank	Sleepy Eye	MN	186,716	6.05	7.40	7.23	7.36	8.61	67.72	5.51	5.32
129	First Central Savings Bank	Glen Cove	NY	655,016	3.39	6.08	5.93	7.42	8.67	47.05	5.47	5.33
130	Founders Bank	Worth	IL	972,371	3.71	6.06	6.64	8.15	10.27	54.67	4.71	5.33
131	Lake Country Community Bank	Morristown	MN	43,788	7.48	7.48	7.50	9.79	10.99	84.09	5.36	5.37
132	First Mariner Bank	Baltimore	MD	1,178,506	5.37	6.90	7.27	8.60	10.49	68.81	5.02	5.37
133	Woodland Bank	Deer River	MN	101,610	5.80	7.27	7.32	9.26	10.51	67.65	5.32	5.37
134	Harbourside Community Bank	Hilton Head Isla	SC	95,690	8.60	8.02	8.01	9.99	11.24	91.93	5.38	5.38
135	First Personal Bank	Orland Park	IL	173,980	4.23	6.99	6.93	8.68	9.91	53.01	5.44	5.38
136	The Farmers Bank and Trust Company of Georgetown, Kentucky	Georgetown	KY	325,626	4.65	8.60	7.21	9.93	11.13	49.00	6.75	5.40
137	CapitalSouth Bank	Birmingham	AL	737,439	6.13	7.01	6.74	8.40	9.67	66.66	5.65	5.40
138	Bank of Elmwood	Racine	WI	363,799	5.52	6.91	7.10	9.83	11.08	67.84	5.25	5.45
139	The Buckhead Community Bank	Atlanta	GA	920,510	5.39	10.93	7.63	8.37	10.87	44.69	8.94	5.46
140	Grand Haven Bank	Grand Haven	MI	129,660	7.40	8.16	8.15	9.11	10.37	74.35	5.53	5.50
141	Enterprise Bank	Allison Park	PA	162,129	3.79	7.58	7.53	9.37	10.12	46.32	5.57	5.51
142	First Western Bank	Booneville	AR	293,220	6.22	8.30	8.04	10.68	11.83	67.64	5.72	5.51
143	Republic Federal Bank, National Association	Miami	FL	590,282	6.34	7.31	7.08	11.49	15.16	73.09	5.73	5.53
144	Hastings State Bank	Hastings	NE	165,171	4.14	5.84	6.42	8.14	9.39	54.34	4.92	5.53
145	Home Town Bank of Villa Rica	Villa Rica	GA	224,540	18.86	15.85	6.40	8.80	10.25	73.26	15.26	5.54		Acquired by SunTrust
146	Gateway Bank, FSB	San Francisco	CA	475,308	5.67	7.39	7.45	13.59	14.46	72.18	5.50	5.55
147	MidWestOne Bank	Oskaloosa	IA	789,190	5.44	9.37	7.81	9.56	10.74	52.82	7.21	5.55
148	Inter Savings Bank, fsb D/B/A Interbank, fsb	Maple Grove	MN	895,450	5.61	7.31	7.16	9.18	10.11	69.70	5.73	5.56
149	American Metro Bank	Chicago	IL	82,405	7.61	8.82	8.78	10.41	11.68	76.86	5.62	5.61
150	Union State Bank	Winterset	IA	77,471	4.87	7.50	7.29	10.73	11.98	56.10	5.75	5.63
151	American Southern Bank	Roswell	GA	78,317	14.78	12.26	13.32	13.17	14.42	106.76	5.17	5.64
152	1st Financial Bank	Overland Park	KS	133,140	5.76	8.80	7.97	8.85	10.10	57.86	6.65	5.64
153	Peoples First Community Bank	Panama City	FL	1,840,395	8.09	8.60	8.59	9.96	11.22	82.34	5.66	5.65
154	Homestead Savings Bank	Albion	MI	81,467	3.97	7.05	7.30	11.95	12.42	54.11	5.46	5.68
155	Bank of Choice	Evans	CO	562,592	4.50	7.56	7.62	9.18	10.13	53.97	5.62	5.68
156	Community FirstBank of Charleston	Charleston	SC	572,277	2.82	5.37	6.28	8.56	11.01	44.08	4.78	5.69
157	Premier Bank	Maplewood	MN	560,144	8.26	8.67	8.84	9.83	11.08	80.28	5.56	5.69
158	First Pryority Bank	Pryor	OK	126,293	9.30	8.92	8.70	11.89	13.17	82.58	5.81	5.69
159	The Bank of Macks Creek	Macks Creek	MO	30,752	8.35	8.30	8.23	11.90	13.17	79.96	5.75	5.70
160	Grand Timber Bank	Mcgregor	MN	50,960	8.58	9.34	9.29	12.25	13.50	81.73	5.70	5.70
161	Security Bank of Bibb County	Macon	GA	1,358,538	5.92	7.58	7.52	9.08	10.33	64.06	5.82	5.71
162	Home Savings of America	Little Falls	MN	306,154	4.90	8.17	7.01	13.04	14.18	55.80	6.91	5.72
163	Stockmans Bank	Altus	OK	113,581	3.38	7.21	7.28	9.35	10.20	42.94	5.64	5.72
164	Lincoln Park Savings Bank	Chicago	IL	249,002	5.83	7.93	7.75	9.92	11.25	66.65	5.93	5.75
165	The First National Bank of Anthony	Anthony	KS	177,584	3.80	6.94	6.50	7.88	9.13	45.78	6.20	5.75
166	Community State Bank, National Association	Ankeny	IA	692,915	3.92	7.62	7.12	9.64	10.89	45.39	6.27	5.76
167	Commercial State Bank of Waterloo	Waterloo	IL	139,699	3.66	6.39	6.54	10.76	12.01	49.06	5.60	5.77
168	Security State Bank of Howard Lake	Howard Lake	MN	82,969	6.96	8.22	8.31	10.24	11.49	74.48	5.70	5.78
169	Community Bank of West Georgia	Villa Rica	GA	201,363	6.80	8.15	8.29	10.11	11.37	71.19	5.65	5.78
170	Community Banks of Northern California	Tracy	CA	164,531	10.54	12.51	9.73	11.35	12.32	72.84	8.62	5.79
171	New South Federal Savings Bank	Irondale	AL	1,962,426	4.73	6.86	7.15	9.83	11.09	59.21	5.53	5.80
172	Riverview Community Bank	Otsego	MN	137,139	7.21	7.99	8.09	9.87	10.78	73.13	5.68	5.80
173	The Exchange Bank	Skiatook	OK	105,728	4.90	7.14	7.23	10.18	11.43	59.12	5.72	5.81
174	Macomb Community Bank	Clinton Township	MI	94,125	16.07	12.60	11.21	11.47	12.75	98.97	7.56	5.82
175	Bank of Lenox	Lenox	GA	37,720	3.83	6.69	7.09	9.82	11.07	50.05	5.42	5.86
176	Illinois National Bank	Springfield	IL	504,515	5.05	8.66	7.85	9.26	10.04	53.89	6.54	5.87
177	AztecAmerica Bank	Berwyn	IL	71,857	6.28	8.07	8.37	10.51	11.77	69.33	5.61	5.87
178	Citizens First Savings Bank	Port Huron	MI	2,069,502	3.71	7.24	6.91	8.88	10.14	45.18	6.22	5.89
179	Bank of Coweta	Newnan	GA	393,318	6.86	8.40	8.36	9.95	11.20	69.24	5.96	5.91
180	Affinity Bank	Ventura	CA	1,231,576	4.07	6.54	6.86	8.96	10.21	51.20	5.62	5.91
181	Palm Desert National Bank	Palm Desert	CA	369,471	7.35	8.43	8.20	10.80	12.06	71.08	6.10	5.92
182	MERCANTIL COMMERCEBANK, NATIONAL ASSOCIATION	Coral Gables	FL	6,035,838	3.64	7.83	6.88	10.68	11.91	40.89	6.83	5.93
183	K Bank	Randallstown	MD	657,086	7.53	8.63	8.54	10.36	11.62	72.93	6.06	5.93
184	State Bank of Park Rapids	Park Rapids	MN	116,705	5.57	8.09	8.18	12.00	13.25	59.63	5.82	5.97
185	Chevy Chase Bank, F.S.B.	Mclean	VA	14,913,528	3.29	5.89	6.38	9.29	12.24	47.69	5.49	5.98
186	First National Bank of Griffin	Griffin	GA	324,770	10.38	11.63	10.61	13.29	14.54	81.81	7.12	5.99