Loss Leaders
Undercapitalized Banks and S&Ls - 9/30/09 - Preliminary Regulatory Data ($Mil)
City
State
Total Assets
Net Income - Q2 2009
% NPA
Tier 1 Leverage Ratio
Total Risk-based Capital Ratio
First Lowndes Bank Fort Deposit
Ala.
$143
-$7.7
6.03
2.32
4.58
Valley Capital Bank, NA Mesa
Ariz.
$40
-$3.3
19.49
-3.13
-4.34
Legacy Bank Scottsdale
Ariz.
$194
-$1.1
10.86
4.05
6.81
Desert Hills Bank Phoenix
Ariz.
$526
-$3.7
16.65
4.93
7.80
Pacific Coast National Bank San Clemente
Calif.
$131
-$2.6
13.53
1.44
3.07
Imperial Capital Bank La Jolla
Calif.
$4,047
-$29.3
9.58
3.83
6.09
Bay Cities National Bank Redondo Beach
Calif.
$288
-$1.0
0.08
4.67
6.14
Saehan Bank Los Angeles
Calif.
$829
-$7.3
7.61
3.65
6.31
First Regional Bank Los Angeles
Calif.
$2,184
-$0.8
17.59
5.94
7.46
Ventura County Business Bank Oxnard
Calif.
$104
-$1.4
12.89
4.86
7.50
Professional Business Bank Pasadena
Calif.
$312
-$28.0
7.45
5.65
7.77
Granite Community Bank, NA Granite Bay
Calif.
$121
-$1.3
15.33
5.41
7.88
Darien Rowayton Bank Darien
Conn.
$103
-$0.6
0.89
2.11
4.57
Commerce Bank of SW Florida Fort Myers
Fla.
$71
-$5.1
18.43
-2.62
-4.00
Orion Bank Naples
Fla.
$2,613
-$75.2
13.92
0.47
1.30
Republic Federal Bank, NA Miami
Fla.
$433
-$6.8
14.19
1.06
1.99
Royal Palm Bank of Florida Naples
Fla.
$149
-$6.0
16.30
1.51
3.61
Premier American Bank Miami
Fla.
$351
-$9.1
27.13
1.44
3.92
Liberty Bank Naples
Fla.
$154
-$6.9
15.32
2.73
4.36
Riverside National Bank of Florida Fort Pierce
Fla.
$3,464
-$52.3
9.82
2.44
4.45
Florida Community Bank Immokalee
Fla.
$875
-$19.5
32.27
2.32
4.58
Sun American Bank Boca Raton
Fla.
$555
-$14.3
13.29
2.54
4.67
Bank of Bonifay Bonifay
Fla.
$245
-$2.0
12.58
3.48
6.23
First Federal Bank of North Florida Palatka
Fla.
$444
-$5.5
7.86
3.22
6.23
Haven Trust Bank Florida Ponte Vedra Beach
Fla.
$170
-$2.8
16.68
4.16
6.30
Peninsula Bank Englewood
Fla.
$646
-$3.3
22.66
4.31
6.67
Horizon Bank Bradenton
Fla.
$208
$0.2
8.34
4.06
6.87
Marco Community Bank Marco Island
Fla.
$138
-$2.1
9.53
3.76
6.90
Community Bank of Manatee Bradenton
Fla.
$252
-$0.7
8.58
3.63
7.07
Putnam State Bank Palatka
Fla.
$198
-$0.1
10.27
5.35
7.23
LandMark Bank of Florida Sarasota
Fla.
$343
-$0.4
7.67
4.07
7.25
RockBridge Commercial Bank Atlanta
Ga.
$294
-$11.8
23.98
0.32
0.83
Buckhead Community Bank Atlanta
Ga.
$856
-$15.1
21.76
0.87
2.23
First National Bank of Georgia Carrollton
Ga.
$833
-$11.2
16.96
1.15
2.77
Community Bank & Trust Cornelia
Ga.
$1,211
-$59.4
16.68
1.26
3.05
Tattnall Bank Reidsville
Ga.
$50
-$1.8
13.45
1.53
3.28
First Security National Bank Norcross
Ga.
$127
-$2.6
27.47
2.01
4.13
Appalachian Community Bank Ellijay
Ga.
$1,061
-$19.4
17.48
2.14
4.98
Century Security Bank Johns Creek
Ga.
$102
-$0.8
22.99
3.47
5.49
McIntosh Commercial Bank Carrollton
Ga.
$403
-$1.6
27.33
2.81
5.57
Crescent Bank & Trust Company Jasper
Ga.
$1,029
-$7.5
7.88
3.66
5.94
Unity National Bank Cartersville
Ga.
$298
-$2.5
12.94
3.86
6.16
Bank of Hiawassee Hiawassee
Ga.
$411
-$5.1
19.21
4.23
6.42
Northwest Bank & Trust Acworth
Ga.
$173
-$5.4
10.88
3.51
6.49
Peoples Community National Bank Bremen
Ga.
$72
-$1.3
12.45
4.04
6.84
Peoples Bank & Trust Buford
Ga.
$404
-$11.8
11.68
4.18
7.09
North Georgia Bank Watkinsville
Ga.
$184
-$0.5
19.03
4.20
7.41
Hometown Community Bank Braselton
Ga.
$133
-$0.6
12.52
4.04
7.45
Enterprise Banking Company McDonough
Ga.
$103
-$5.2
13.60
5.49
7.47
Darby Bank & Trust Company Vidalia
Ga.
$909
-$2.1
8.84
3.93
7.68
Habersham Bank Clarkesville
Ga.
$489
-$5.9
18.63
4.73
7.94
Chestatee State Bank Dawsonville
Ga.
$291
-$1.9
22.45
5.36
7.98
Benchmark Bank Aurora
Ill.
$173
-$8.8
18.20
-13.00
-16.77
Town Community Bank and Trust Antioch
Ill.
$70
-$1.5
14.23
2.15
3.92
Baytree National Bank & Trust Co. Lake Forest
Ill.
$211
-$5.0
13.73
1.99
5.05
First National Bank of Gilman Gilman
Ill.
$39
$0.2
3.91
3.01
6.01
Lincoln Park Savings Bank Chicago
Ill.
$215
-$1.2
14.86
3.55
6.24
AMCORE Bank, NA Rockford
Ill.
$4,359
-$150.8
10.17
2.83
6.94
Bank of Illinois Normal
Ill.
$247
-$1.2
6.90
4.05
7.10
New Century Bank Chicago
Ill.
$489
-$1.0
17.38
4.89
7.18
First Suburban National Bank Maywood
Ill.
$178
-$0.5
13.38
4.21
7.57
Ravenswood Bank Chicago
Ill.
$328
-$8.5
20.94
5.48
7.78
Bank of Commerce Wood Dale
Ill.
$221
-$2.0
15.70
4.75
7.95
First Bank West Des Moines
Iowa
$135
-$0.2
8.31
4.52
7.63
SolutionsBank Overland Park
Kan.
$511
-$8.0
12.59
2.52
4.63
First State Bank of Burlingame Burlingame
Kan.
$37
$0.6
1.45
2.85
5.15
First National Bank of Olathe Olathe
Kan.
$930
-$32.2
15.79
4.14
6.18
Heritage Bank Topeka
Kan.
$51
-$0.4
12.66
4.18
6.76
Statewide Bank Covington
La.
$254
-$3.5
6.24
3.10
5.31
Butler Bank Lowell
Mass.
$273
-$1.8
17.66
1.73
3.27
Mt. Washington Co-operative Bank South Boston
Mass.
$501
-$0.4
2.63
6.79
6.29
K Bank Owings Mills
Md.
$659
-$12.9
15.21
3.20
5.88
Citizens State Bank New Baltimore
Mich.
$169
-$2.2
13.73
1.23
2.75
CF Bancorp Port Huron
Mich.
$1,820
-$55.4
5.47
2.01
3.67
Lakeside Community Bank Sterling Heights
Mich.
$66
-$2.2
8.08
2.12
4.51
First National Bank in Howell Howell
Mich.
$346
-$1.4
14.15
3.77
6.08
Oxford Bank Oxford
Mich.
$348
-$2.6
8.72
3.43
6.12
New Liberty Bank Plymouth
Mich.
$113
-$0.7
12.30
3.31
6.35
Clarkston State Bank Clarkston
Mich.
$117
-$0.3
6.13
4.45
6.58
Michigan Commerce Bank Ann Arbor
Mich.
$1,211
-$17.7
10.36
4.73
7.15
Fidelity Bank Dearborn
Mich.
$1,040
-$39.8
7.15
5.50
7.57
St. Stephen State Bank Saint Stephen
Minn.
$25
-$1.1
8.91
0.19
0.46
1st American State Bank of Minn. Hancock
Minn.
$18
-$0.3
12.33
2.23
4.69
State Bank of Aurora Aurora
Minn.
$28
-$0.8
15.05
2.75
5.36
Marshall Bank, NA Hallock
Minn.
$60
-$0.1
6.36
3.36
5.55
Access Bank Champlin
Minn.
$38
-$0.5
8.20
3.47
5.81
Community Security Bank New Prague
Minn.
$120
-$0.8
20.67
5.17
7.12
Community Bank Plymouth Plymouth
Minn.
$61
-$0.4
4.67
5.45
7.30
Lake Country Community Bank Morristown
Minn.
$40
$0.1
9.95
4.61
7.57
Americana Community Bank Sleepy Eye
Minn.
$186
-$2.1
9.46
5.37
7.72
Bank of Leeton Leeton
Mo.
$23
-$0.1
11.06
2.01
3.93
Westbridge Bank and Trust Chesterfield
Mo.
$111
-$0.7
8.62
3.77
6.23
Southwest Community Bank Springfield
Mo.
$146
-$1.4
8.83
3.43
6.62
Premier Bank Jefferson City
Mo.
$1,383
-$13.2
16.02
5.27
7.89
Blue Ridge Savings Bank, Inc. Asheville
N.C.
$231
-$5.8
16.68
4.05
6.88
ISN Bank Cherry Hill
N.J.
$103
-$0.6
19.91
3.38
5.98
Bank 1st Albuquerque
N.M.
$94
$0.1
12.19
3.38
6.52
Park Avenue Bank New York
N.Y.
$548
-$3.8
10.45
2.74
4.60
Sun West Bank Las Vegas
Nev.
$390
-$12.5
16.49
3.97
6.17
SouthwestUSA Bank Las Vegas
Nev.
$219
-$8.1
17.34
4.92
6.54
Nevada Security Bank Reno
Nev.
$538
-$8.2
13.06
4.11
7.65
LibertyPointe Bank New York
Ohio
$212
-$5.9
20.69
2.69
4.95
Ohio State Bank Marion
Ohio
$154
-$0.8
6.42
3.50
6.83
Ohio Legacy Bank, NA Wooster
Ohio
$174
-$2.3
6.88
3.38
7.06
Columbia River Bank The Dalles
Ore.
$1,062
-$16.9
11.15
2.54
4.65
LibertyBank Eugene
Ore.
$856
-$12.6
8.54
4.10
6.27
American National Bank Parma
Ore.
$77
-$3.4
3.89
3.07
7.20
First National Bank of the South Spartanburg
S.C.
$786
-$12.5
15.73
3.30
6.07
Sandhills Bank North Myrtle Beach
S.C.
$66
-$0.1
11.95
3.72
6.25
Beach First National Bank Myrtle Beach
S.C.
$646
-$13.9
10.25
4.69
7.80
First Midwest Bank Centerville
S.D.
$154
-$0.1
10.66
5.38
7.86
Community Bank of the Cumberlands Jamestown
Tenn.
$122
-$0.2
3.18
4.03
6.45
American Patriot Bank Greeneville
Tenn.
$123
-$0.9
8.02
4.32
6.73
Commercial NB of Texarkana Texarkana
Texas
$194
$0.7
1.08
8.87
5.12
United Community Bank, NA Highland Village
Texas
$130
-$3.5
11.64
3.39
5.85
Town North Bank, NA Dallas
Texas
$1,061
-$7.4
1.93
7.95
7.33
Barnes Banking Company Kaysville
Utah
$828
-$13.6
27.71
4.09
6.73
Horizon Bank Bellingham
Wash.
$1,300
-$35.0
9.88
0.77
1.98
Rainier Pacific Savings Bank Tacoma
Wash.
$764
-$34.2
6.47
3.11
3.84
EvergreenBank Seattle
Wash.
$489
$0.1
12.13
2.77
5.20
Frontier Bank Everett
Wash.
$3,767
-$138.5
24.22
3.19
5.35
AmericanWest Bank Spokane
Wash.
$1,762
-$27.7
8.87
3.86
5.71
American Marine Bank Bainbridge Island
Wash.
$373
$0.9
9.65
3.50
6.40
Eastside Commercial Bank, NA Bellevue
Wash.
$61
-$0.2
6.59
4.77
7.88
AnchorBank, FSB Madison
Wis.
$4,640
-$66.6
6.25
4.28
7.62
Badger State Bank Cassville
Wis.
$97
-$1.1
8.39
5.07
7.88

NPL - Loans & securites past due 90 or more days or in nonaccrual status less government-guaranteed balances.
NPA - NPL and repossessed real estate.

Note: Data provided by SNL Financial, Inc. on Nov. 10, 2009. Data is subject to revision or correction.
Income and charge-off numbers are for the second quarter of 2009