Undercapitalized Banks and S&Ls- 3/31/09 - Preliminary Regulatory Data ($Mil)
  City State Total Assets Net Income - Q1 2009 % NPA Net Charge-offs/ Avg. Loans LLR/ TL Tier 1 Leverage Ratio Tier 1 Risk-based Capital Ratio Total Risk-based Capital Ratio
Union Bank, NA Gilbert Ariz. $129 -$2.1 31.85 17.15 4.16 4.27 4.92 6.19
Vineyard Bank, NA Corona Calif. $1,856 -$63.8 22.22 9.96 3.50 3.49 4.16 5.44
MetroPacific Bank Irvine Calif. $75 -$2.5 15.76 24.44 4.21 3.51 4.08 5.36
Plaza Bank Irvine Calif. $96 -$1.4 2.03 0.66 1.68 3.70 4.40 5.65
California National Bank Los Angeles Calif. $6,494 $0.9 3.79 1.54 2.01 3.70 3.58 4.85
Mirae Bank Los Angeles Calif. $481 -$7.2 6.12 -1.17 7.47 3.12 4.23 5.55
Bay Cities National Bank Redondo Beach Calif. $289 $0.6 0.54 0.07 1.61 4.53 6.08 7.28
Pacific Coast National Bank San Clemente Calif. $160 -$2.1 4.98 6.19 4.07 5.23 5.55 6.84
San Diego National Bank San Diego Calif. $3,180 $2.4 1.38 0.04 1.59 5.67 5.85 7.12
Temecula Valley Bank Temecula Calif. $1,492 -$35.0 11.73 5.30 4.21 3.99 4.16 5.44
Affinity Bank Ventura Calif. $1,231 -$7.6 8.12 1.71 2.29 4.50 5.97 7.23
Southern Colorado National Bank Pueblo Colo. $52 -$1.2 5.82 10.76 4.98 3.35 5.61 6.93
Darien Rowayton Bank Darien Conn. $118 -$0.7 0.61 1.49 0.74 3.38 5.22 6.08
Riverside National Bank of Florida Fort Pierce Fla. $3,772 -$4.6 5.68 3.57 2.74 5.50 6.61 7.87
Florida Community Bank Immokalee Fla. $980 -$6.8 21.80 2.49 5.95 4.28 5.49 6.78
Integrity Bank Jupiter Fla. $124 -$4.3 12.16 18.71 1.74 4.03 5.36 6.62
Republic Federal Bank, NA Miami Fla. $473 -$11.5 15.19 2.90 3.15 3.66 3.54 6.56
Federal Trust Bank Sanford Fla. $580 -$7.0 14.55 1.18 4.00 3.08 4.74 6.04
First State Bank Sarasota Fla. $441 -$16.3 5.58 20.29 4.64 2.50 2.96 4.25
Community NB of Sarasota County Venice Fla. $96 -$6.4 11.03 16.51 4.79 1.91 2.62 3.91
Ebank Atlanta Ga. $152 -$1.3 16.15 0.05 1.66 3.05 4.37 5.62
Hometown Community Bank Braselton Ga. $134 -$0.4 10.52 0.06 3.99 4.84 6.69 7.97
McIntosh Commercial Bank Carrollton Ga. $367 -$1.8 22.96 2.37 3.05 4.48 5.60 6.87
Southern Community Bank Fayetteville Ga. $372 -$4.4 25.90 12.39 2.19 3.51 4.89 6.13
Crescent Bank & Trust Company Jasper Ga. $1,062 -$4.7 4.97 1.74 2.77 5.25 6.51 7.77
Bank of Lenox Lenox Ga. $38 -$0.3 5.78 -0.05 1.68 3.11 4.81 6.06
Security Bank of Bibb County Macon Ga. $1,184 -$3.1 12.84 2.84 2.88 4.48 5.59 6.86
Neighborhood Community Bank Newnan Ga. $213 -$3.4 23.24 1.26 5.52 2.25 2.79 4.09
First Coweta Bank Newnan Ga. $169 -$1.8 16.10 3.54 3.13 3.28 4.01 5.28
First Security National Bank Norcross Ga. $137 -$4.7 32.70 4.04 4.17 5.32 6.55 7.65
Tattnall Bank Reidsville Ga. $63 -$0.3 11.22 1.53 3.72 4.37 5.84 7.11
Security Bank of Gwinnett County Suwanee Ga. $322 -$8.5 34.14 9.14 4.96 1.12 1.50 2.79
Community Bank of West Georgia Villa Rica Ga. $201 -$3.4 19.56 2.76 4.69 3.58 4.61 5.89
First Piedmont Bank Winder Ga. $124 -$0.7 25.17 2.74 2.57 4.16 5.01 6.26
Security Bank of North Metro Woodstock Ga. $224 -$4.8 20.96 7.11 3.11 1.98 2.72 4.00
Benchmark Bank Aurora Ill. $219 -$0.8 8.19 4.99 4.76 5.11 5.73 7.02
Corus Bank, NA Chicago Ill. $7,626 -$280.7 32.78 6.29 8.14 4.20 5.92 7.25
Citizens B&TC of Chicago Chicago Ill. $83 $0.1 15.98 -0.03 2.76 4.78 6.21 7.46
Lincoln Park Savings Bank Chicago Ill. $219 -$2.4 12.06 4.19 2.36 4.54 6.36 7.63
John Warner Bank Clinton Ill. $71 -$5.7 9.20 0.00 8.38 -2.55 -3.00 -3.00
First National Bank of Danville Danville Ill. $165 -$7.4 10.59 0.19 5.54 3.02 3.39 4.67
Elizabeth State Bank Elizabeth Ill. $59 -$3.6 5.31 0.30 1.22 2.45 2.16 2.91
First National Bank of Gilman Gilman Ill. $44 -$1.1 1.85 0.33 1.13 3.86 5.24 6.01
Mutual Bank Harvey Ill. $1,697 -$14.5 19.43 0.20 3.78 3.60 4.14 7.02
Community Bank of Lemont Lemont Ill. $86 -$4.1 36.30 24.39 2.05 1.21 1.41 2.83
Bank of Lincolnwood Lincolnwood Ill. $213 -$13.0 23.13 13.49 5.33 1.16 1.33 2.63
Rock River Bank Oregon Ill. $77 -$4.8 10.53 0.01 3.28 0.86 0.87 1.74
Peotone Bank & Trust Company Peotone Ill. $151 -$2.6 6.01 0.19 1.96 5.25 6.41 7.67
First State Bank of Winchester Winchester Ill. $33 -$2.5 3.16 0.37 6.59 -1.39 -1.54 -1.54
Founders Bank Worth Ill. $966 -$28.5 8.77 0.15 2.81 2.97 3.41 5.87
Vantus Bank Sioux City Iowa $492 -$4.5 5.03 -0.02 1.19 7.58 4.80 5.31
First Bank West Des Moines Iowa $167 -$1.7 8.24 0.01 2.99 4.22 5.77 7.04
First National Bank of Anthony Anthony Kan. $157 -$5.1 10.62 5.35 4.81 1.59 2.05 3.34
First State Bank of Burlingame Burlingame Kan. $49 -$2.0 2.30 29.03 1.83 1.09 1.51 2.77
State Bank of Lebo Lebo Kan. $21 -$0.4 10.40 10.85 2.79 3.79 5.96 7.23
Butler Bank Lowell Mass. $316 -$2.2 19.51 0.37 1.76 3.40 4.42 5.67
Mt. Washington Co-op. Bank South Boston Mass. $518 $0.2 2.10 0.32 0.93 6.71 5.52 6.06
Bradford Bank Baltimore Md. $483 -$9.3 10.90 0.09 3.26 2.86 4.32 5.61
AmericasBank Towson Md. $155 -$2.2 10.09 0.42 4.18 3.41 4.87 6.17
Clarkston State Bank Clarkston Mich. $127 $0.2 3.20 2.82 3.60 4.86 5.71 6.99
Oxford Bank Oxford Mich. $361 -$0.5 6.17 2.11 3.81 4.52 6.15 7.43
New Liberty Bank Plymouth Mich. $122 -$0.6 6.60 1.18 2.60 4.37 5.12 7.42
Warren Bank Warren Mich. $599 -$5.4 18.03 0.71 5.22 4.33 5.77 7.07
Mainstreet Bank Forest Lake Minn. $506 -$6.6 19.25 1.31 4.73 2.49 4.09 5.37
Riverview Community Bank Otsego Minn. $127 -$1.1 10.98 1.53 3.82 3.39 4.55 5.82
Horizon Bank Pine City Minn. $85 -$3.8 14.33 13.29 4.25 1.10 1.50 2.79
Jennings State Bank Spring Grove Minn. $57 -$0.5 13.08 2.78 3.96 3.12 4.41 5.69
Brickwell Community Bank Woodbury Minn. $82 -$1.3 12.79 0.56 7.98 2.07 2.49 3.83
Westbridge Bank and Trust Chesterfield Mo. $131 -$1.5 6.42 0.60 2.95 5.00 6.39 7.66
Bank of Leeton Leeton Mo. $26 -$1.3 8.63 24.82 1.79 2.29 3.05 4.31
Gateway Bank of St. Louis Saint Louis Mo. $30 -$0.8 17.67 4.97 2.72 3.80 5.19 6.46
Bank of Granite Granite Falls N.C. $1,143 -$3.2 5.21 0.87 2.90 5.67 6.65 7.92
Cooperative Bank Wilmington N.C. $967 $1.2 10.25 3.98 3.48 3.67 4.77 6.06
ISN Bank Cherry Hill N.J. $117 -$0.3 14.28 0.48 6.70 3.83 5.49 6.81
First BankAmericano Elizabeth N.J. $162 -$2.6 8.48 7.25 6.03 1.47 2.11 3.42
Park Avenue Bank New York N.Y. $523 $0.0 6.90 1.02 1.17 4.10 4.59 5.58
Waterford Village Bank Williamsville N.Y. $61 -$0.5 1.32 0.00 1.09 1.10 1.33 2.41
Ohio State Bank Marion Ohio $150 $0.7 5.53 0.01 2.73 4.38 5.98 7.24
Peoples Community Bank West Chester Ohio $675 -$4.0 7.84 0.00 6.47 1.81 2.82 4.15
First State Bank of Altus Altus Okla. $105 -$0.3 28.48 0.02 5.64 4.59 5.81 7.11
Frontier State Bank Oklahoma City Okla. $722 $7.6 1.35 0.00 0.72 7.52 4.57 4.64
Community First Bank Prineville Ore. $210 -$5.1 11.41 12.89 3.45 4.38 5.50 6.77
Dwelling House S&LA Pittsburgh PA $13 -$1.8 8.39 0.00 1.92 -3.74 -6.84 -6.84
Millennium State Bank of Texas Dallas Texas $127 -$3.0 5.25 1.70 4.16 3.15 4.41 5.70
Greater Atlantic Bank Reston Va. $219 -$2.0 2.82 -0.14 1.12 3.22 4.84 5.98
Venture Bank Lacey Wash. $1,094 $3.0 9.15 4.17 2.60 5.18 5.32 6.58
AmericanWest Bank Spokane Wash. $1,823 -$13.9 7.97 4.40 2.58 4.61 4.79 6.05
Rainier Pacific Savings Bank Tacoma Wash. $858 -$4.5 2.96 4.37 1.32 8.49 6.66 7.45
Bank of Elmwood Racine Wis. $337 $0.1 8.66 0.20 4.11 3.54 4.71 6.00
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:
Preliminary data provided by SNL Financial, Inc. on May 26, 2009. Date is subject to revision or correction.
Income and charge-off numbers are for the first quarter of 2008
The net charge-off ratio is annualized.