Undercapitalized Banks and S&Ls - 6/30/09 - Preliminary Regulatory Data ($Mil)
City
State
Total Assets
Net Income - Q2 2009
% NPA
Tier 1 Leverage Ratio
Total Risk-based Capital Ratio
New South Federal Savings Bank
Birmingham
Ala.
$1,712
-$55.4
13.90
2.82
6.18
First State Bank
Flagstaff
Ariz.
$107
-$4.3
10.71
3.95
5.72
Legacy Bank
Scottsdale
Ariz.
$206
-$4.1
11.36
4.31
6.98
Valley Capital Bank NA
Mesa
Ariz.
$43
-$0.4
16.69
4.57
7.08
California National Bank
Los Angeles
Calif.
$7,065
-$19.3
5.38
0.94
2.00
Affinity Bank
Ventura
Calif.
$1,211
-$37.4
10.32
1.49
3.38
San Diego National Bank
San Diego
Calif.
$3,396
-$43.1
3.63
1.69
3.35
Pacific Coast National Bank
San Clemente
Calif.
$153
-$2.4
10.97
2.91
5.04
United Commercial Bank
San Francisco
Calif.
$12,790
-$262.9
6.82
4.02
7.92
San Joaquin Bank
Bakersfield
Calif.
$833
-$16.3
12.03
4.12
6.70
Imperial Capital Bank
La Jolla
Calif.
$4,211
-$55.3
7.87
4.25
6.78
Bay Cities National Bank
Redondo Beach
Calif.
$290
-$0.8
0.66
4.51
6.29
Saehan Bank
Los Angeles
Calif.
$948
-$22.1
7.03
4.84
7.68
Pacific National Bank
San Francisco
Calif.
$2,132
-$4.9
3.80
4.94
6.45
Los Padres Bank
Solvang
Calif.
$1,090
-$15.3
3.52
6.46
7.67
Southern Colorado National Bank
Pueblo
Colo.
$43
-$0.3
8.85
3.17
6.52
Darien Rowayton Bank
Darien
Conn.
$113
-$0.7
0.81
2.46
5.42
Hillcrest Bank Florida
Naples
Fla.
$96
-$9.9
23.33
1.55
3.27
Partners Bank
Naples
Fla.
$69
-$1.3
11.26
1.70
3.54
Century Bank, FSB
Sarasota
Fla.
$847
-$28.2
20.61
2.16
4.48
Republic Federal Bank NA
Miami
Fla.
$439
-$7.3
14.09
2.29
4.34
Flagship National Bank
Bradenton
Fla.
$194
-$5.3
14.97
2.35
4.62
Peoples First Community Bank
Panama City
Fla.
$1,923
-$49.3
16.81
3.04
5.24
Riverside National Bank of Florida
Fort Pierce
Fla.
$3,467
-$52.8
6.74
3.81
6.04
Community Bank of Manatee
Bradenton
Fla.
$253
-$5.6
6.05
4.00
7.49
Horizon Bank
Bradenton
Fla.
$206
-$6.9
8.68
4.04
6.66
Florida Community Bank
Immokalee
Fla.
$946
-$3.3
29.81
4.07
6.85
Commerce Bank of Southwest Florida
Fort Myers
Fla.
$77
-$1.5
19.18
4.17
6.66
Bank of Bonifay
Bonifay
Fla.
$250
-$1.9
13.16
4.31
7.32
Bayside Savings Bank
Port Saint Joe
Fla.
$85
-$2.3
7.99
4.72
7.22
Peninsula Bank
Englewood
Fla.
$638
-$12.6
13.58
4.74
6.92
Sun American Bank
Boca Raton
Fla.
$582
-$15.7
10.71
4.90
7.52
First National Bank of Georgia
Carrollton
Ga.
$848
-$39.6
17.04
2.35
4.26
Buckhead Community Bank
Atlanta
Ga.
$922
-$38.2
16.82
2.37
5.78
Bank of Lenox
Lenox
Ga.
$35
-$0.1
6.95
3.11
5.60
American United Bank
Lawrenceville
Ga.
$112
-$3.7
11.67
3.19
5.08
Four County Bank
Allentown
Ga.
$78
-$4.5
3.17
3.49
6.13
McIntosh Commercial Bank
Carrollton
Ga.
$389
-$2.4
23.15
3.54
5.86
Appalachian Community Bank
Ellijay
Ga.
$1,098
-$24.5
13.69
3.74
7.26
First Security National Bank
Norcross
Ga.
$129
-$2.4
31.10
3.86
6.56
United Security Bank
Sparta
Ga.
$155
-$2.6
12.45
3.95
6.59
Century Security Bank
Duluth
Ga.
$111
-$2.0
17.36
4.05
5.99
Tattnall Bank
Reidsville
Ga.
$57
-$0.3
11.50
4.24
7.02
Crescent Bank & Trust Company
Jasper
Ga.
$1,036
-$9.1
6.82
4.39
6.84
Hometown Community Bank
Braselton
Ga.
$133
-$0.5
9.81
4.42
7.95
Darby Bank & Trust Company
Vidalia
Ga.
$905
-$13.6
6.37
4.56
7.83
RockBridge Commercial Bank
Atlanta
Ga.
$279
-$16.9
17.84
4.56
6.82
Vantus Bank
Sioux City
Iowa
$503
-$17.8
5.34
4.47
3.98
First Security Trust and Savings Bank
Elmwood Park
Ill.
$205
-$19.9
21.81
-4.62
-6.51
Corus Bank NA
Chicago
Ill.
$7,003
-$498.4
44.09
-2.08
-3.11
InBank
Oak Forest
Ill.
$210
-$21.4
18.83
-0.66
-1.77
First DuPage Bank
Westmont
Ill.
$287
-$14.8
18.41
1.07
2.75
First National Bank of Gilman
Gilman
Ill.
$43
-$0.8
2.06
2.30
3.90
Community Bank of Lemont
Lemont
Ill.
$82
-$1.5
44.19
3.16
6.50
Benchmark Bank
Aurora
Ill.
$202
-$3.9
20.00
3.35
5.17
Baytree National Bank & Trust Co.
Lake Forest
Ill.
$241
-$3.9
12.01
3.62
7.57
Town Community Bank and Trust
Antioch
Ill.
$72
-$1.5
10.40
3.72
5.92
Lincoln Park Savings Bank
Chicago
Ill.
$223
-$1.4
11.09
4.04
6.88
Peotone Bank & Trust Company
Peotone
Ill.
$152
-$1.2
9.15
4.43
7.45
First Suburban National Bank
Maywood
Ill.
$181
-$1.0
12.30
4.45
7.49
Citizens Bank & Trust Co. of Chicago
Chicago
Ill.
$79
-$0.3
19.45
4.58
7.04
Bank of Illinois
Normal
Ill.
$247
$0.1
6.32
4.88
7.86
New Century Bank
Chicago
Ill.
$528
-$2.2
15.42
5.66
7.95
First State Bank of Burlingame
Burlingame
Kan.
$48
-$0.3
1.17
1.06
2.72
SolutionsBank
Overland Park
Kan.
$558
-$9.0
9.12
4.06
6.52
Heritage Bank
Topeka
Kan.
$52
-$1.7
12.55
4.37
7.60
Butler Bank
Lowell
Mass.
$293
-$4.9
18.45
2.09
3.86
Mt. Washington Co-operative Bank
South Boston
Mass.
$504
-$0.9
2.21
6.86
6.03
Bradford Bank
Baltimore
Md.
$452
-$3.2
9.78
0.99
2.80
AmericasBank
Towson
Md.
$154
-$1.8
10.66
2.23
4.79
Home Federal Savings Bank
Detroit
Mich.
$14
-$0.1
7.64
1.56
4.50
Warren Bank
Warren
Mich.
$549
-$17.6
16.15
1.59
3.32
Citizens State Bank
New Baltimore
Mich.
$186
-$8.4
12.06
2.26
4.01
New Liberty Bank
Plymouth
Mich.
$123
-$0.6
9.74
3.79
6.88
MainStreet Savings Bank, FSB
Hastings
Mich.
$113
-$0.3
5.49
4.01
7.81
First National Bank in Howell
Howell
Mich.
$362
-$12.0
13.01
4.06
6.37
Oxford Bank
Oxford
Mich.
$366
-$1.4
5.82
4.18
7.20
Clarkston State Bank
Clarkston
Mich.
$120
-$0.7
5.29
4.46
6.60
Citizens First Savings Bank
Port Huron
Mich.
$1,923
-$22.4
6.16
4.65
6.83
Mainstreet Bank
Forest Lake
Minn.
$459
-$17.3
16.75
-0.99
-1.78
Brickwell Community Bank
Woodbury
Minn.
$73
-$2.9
17.01
-0.98
-2.35
Jennings State Bank
Spring Grove
Minn.
$56
-$1.0
14.13
0.83
2.22
Riverview Community Bank
Otsego
Minn.
$112
-$2.1
12.75
1.94
4.15
1st American State Bank of Minn.
Hancock
Minn.
$21
-$0.8
14.95
3.10
6.11
Marshall Bank NA
Hallock
Minn.
$62
-$3.2
3.88
3.19
5.67
St. Stephen State Bank
Saint Stephen
Minn.
$26
-$0.5
6.59
4.07
6.35
Prosperan Bank
Oakdale
Minn.
$197
-$7.6
7.14
4.25
6.28
Access Bank
Champlin
Minn.
$37
-$1.0
9.09
4.58
7.23
Community Bank Plymouth
Plymouth
Minn.
$62
-$1.4
4.37
5.81
7.58
Bank of Leeton
Leeton
Mo.
$25
-$0.4
9.59
0.83
2.28
First Bank of Kansas City
Kansas City
Mo.
$16
-$1.3
17.68
1.81
3.73
Gateway Bank of St. Louis
Saint Louis
Mo.
$30
-$0.5
18.16
2.23
4.55
Westbridge Bank and Trust
Chesterfield
Mo.
$121
-$1.5
8.25
4.24
6.68
ISN Bank
Cherry Hill
N.J.
$107
-$0.6
17.45
3.70
6.66
Bank 1st
Albuquerque
N.M.
$109
-$3.0
7.30
3.24
5.84
Park Avenue Bank
New York
N.Y.
$535
-$2.5
10.66
3.32
5.19
Ohio State Bank
Marion
Ohio
$161
-$0.5
5.93
4.02
7.16
Washita State Bank
Burns Flat
Okla.
$205
$3.0
0.19
9.26
3.86
Columbia River Bank
The Dalles
Ore.
$1,067
-$22.8
11.49
4.16
6.41
Sandhills Bank
N Myrtle Beach
S.C.
$67
-$1.0
7.77
3.74
6.31
First National Bank of the South
Spartanburg
S.C.
$836
-$19.7
13.95
4.42
7.53
Oakland Deposit Bank
Oakland
Tenn.
$125
-$2.5
9.47
2.91
4.84
Community Bank of the Cumberlands
Jamestown
Tenn.
$123
-$1.7
2.43
4.08
6.63
Bank of Bartlett
Bartlett
Tenn.
$444
-$3.7
7.06
4.40
7.60
Jefferson Bank
Dallas
Texas
$355
-$4.6
6.00
4.68
7.89
Commercial NB of Texarkana
Texarkana
Texas
$182
-$1.4
1.12
9.08
4.95
Barnes Banking Company
Kaysville
Utah
$873
$0.2
23.10
3.67
6.15
Greater Atlantic Bank
Reston
Va.
$205
-$2.1
3.19
2.46
4.51
EvergreenBank
Seattle
Wash.
$506
-$18.9
8.43
2.78
4.93
Horizon Bank
Bellingham
Wash.
$1,361
-$45.6
10.17
3.17
5.28
American Marine Bank
Bainbridge Island
Wash.
$382
-$19.8
8.89
3.30
5.91
AmericanWest Bank
Spokane
Wash.
$1,776
-$9.8
8.87
4.29
5.81
Eastside Commercial Bank, NA
Bellevue
Wash.
$65
-$2.0
7.54
4.47
7.52
Venture Bank
Lacey
Wash.
$991
-$6.0
16.64
5.01
6.17
Rainier Pacific Savings Bank
Tacoma
Wash.
$821
-$3.7
5.98
7.94
7.43
Bank of Elmwood
Racine
Wis.
$337
-$1.8
11.73
3.00
5.37
NPL - Loans & securites past due 90 or more days or in nonaccrual status less government-guaranteed balances.
NPA - NPL and repossessed real estate.
LLR - Loan loss reserves.
TL - Total loans and leases.
Note:
Data provided by SNL Financial, Inc. on Aug. 21, 2009. Data is subject to revision or correction.
Income and charge-off numbers are for the second quarter of 2009
The net charge-off ratio is annualized.