Undercapitalized S&Ls - Dec. 30, 2008 - Preliminary Data ($millions)
 
City
State
Total Assets
Net Income (Loss)
% NPA
Net Charge-offs/ Avg. Loans
LLR/ TL
Tier 1 Leverage Ratio
Tier 1 Risk-based Ratio
Risk-based Captial Ratio
 
Critically Undercapitalized:
Indymac Federal Bank, FSB
Pasadena
Calif.
$23,478
($4,585.5)
11.11
9.22
3.07
-23.83
-58.49
-58.49
American Sterling Bank
Sugar Creek
Mo.
$181
($18.0)
10.38
2.23
0.40
-1.12
-2.31
-2.31
Federal Trust Bank
Sanford
Fla.
$585
($29.7)
12.09
2.12
3.57
0.85
1.32
2.61
BankUnited, FSB
Coral Gables
Fla.
$13,952
($722.5)
9.95
6.12
3.21
1.37
2.31
3.60
 
Significantly Undercapitalized:
Lehman Brothers Bank, FSB
Wilmington
Del.
$6,514
($1,494.6)
3.94
0.00
0.94
7.48
5.64
5.94
 
Undercapitalized:
Home Federal Savings Bank
Detroit
Mich.
$15
($0.6)
4.13
0.97
1.16
3.87
8.57
9.82
EBank
Atlanta
Ga.
$153
($7.1)
15.13
2.55
1.68
3.87
5.64
6.89
Greater Atlantic Bank
Reston
Va.
$215
($9.3)
2.61
2.99
0.89
4.19
6.31
7.23

NPL - Loans 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:
Preliminary data provided by Highline Financial, Inc. on Feb. 17, 2009.
Savings and loan institutions are not included.
Income and charge-off numbers are for the full year, 2008.