TRIVIA ANSWER: (C) Georgia has the most banks (81) on our list of 438 banks in immediate danger of failure...

By Andy Obermueller Tuesday, January 12, 2010

Is Your Bank One of 438 In Immediate Danger of Failing?

Note to Readers: We originally posted this article mid-day on June 9, 2010. By Friday June 11th, one of the banks on the list, Washington First International Bank, was seized by the FDIC.

Because your hard-earned savings depend on it, we are committed to updating this article and list regularly so that you can have the most timely and relevant information at your fingertips. Please bookmark this page and check back often to see the updated status of the banks on the list.
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As the Dow dips below 10,000, it's not just your investments that might be at risk.

Your bank could be, too.

Let's face it: The global economy is still rough. The European debt debacle continues to spread from one country to the next, with no one sure where it will end. Here at home, the recovery is soft at best. 

The best way to evaluate the economy is to ignore the mishmash of indicators that are released each day and focus on the one metric that really matters. It's not reported like chain-store sales or the unemployment rate, but it's nevertheless the best gauge of how the economy is doing.

This indicator is called the "net charge-off rate." It is the amount of bank loans that borrowers can't repay, and I think it's the most telling way to measure the nation's actual financial health. Say unemployment drops from 10% to 5%. If people still can't afford to pay back their loans, then the country really hasn't grown stronger, has it?

The charge-off rate is 1.94%, and it has, astonishingly, grown fivefold since the beginning of 2007. In a typical year, a bank should expect to lose about 32 cents for every $100 it lends. Right now, however, banks are losing $1.94 on $100 in loans.

This problem is made worse by bank's deteriorating financial condition. At the beginning at 2007, banks had $1.80 in cash reserves for every dollar of loans that were past due. So even if all those loans went belly up -- and not all past-due loans will -- the banks were more than covered. Today, banks have only about 80 cents for every dollar of problem loans. 

Don't kid yourself into thinking that the worst of the financial crisis has passed. For some banks, it's just beginning. Eating all those bad loans is hurting all banks, and many more are going to fail. The Federal Deposit Insurance Corp. (FDIC) says 77% of banks are profitable. But that leaves 23% that are bleeding cash.

The FDIC currently has 775 banks on its "Problem Bank" list.  So far this year, 82 banks have failed, about half of which did so in the second quarter. That's a truly frightening number by historical standards: About a third of the banks that have failed since 2000 have done so in the first 5 months of 2010. 

The FDIC does not release its problem loans list, it only says how many banks are on it. But using a special ratio that measures a bank's problem loans (the precursor to the loans that are eventually charged off), investors can determine with a high degree of accuracy whether their bank is safe.

It's called the "Texas ratio." It was developed by a financial wizard at RBC Capital Markets named Gerard Cassidy, who used it to correctly predict bank failures in Texas during the 1980s recession, and again in New England in the recession of the early 1990s.

The Texas ratio is determined by dividing the bank's non-performing assets by its tangible common equity and loan-loss reserves. Tangible common is equity capital less goodwill and intangibles. As the ratio approaches 1.0, the bank's risk of failure rises.

Every bank that has failed in the second quarter has had a Texas ratio of greater than 0.90.  In fact the average was about 5.0.

Bank failures are announced on Friday afternoons, after the close of the week's business. On June 5, Bloomberg news reported that three banks had failed: TierOne Bank in Nebraska, Arcola Homestead Savings Bank in Illinois and First National of Rosedale, Mississippi. On June 11, it was reported that another bank, Washington First International Bank, was seized.

Frankly, none of these failures should have come as a surprise. After all, Rosedale had the highest Texas ratio of any bank in the country, at 15.78. TierOne's ratio was 4.05, and Arcola's was 0.91.

Investors simply cannot afford not to know if their bank is one of the 438 banks I've identified as being in grave danger of failing. It's crucial that all investors view the list of banks to ensure that their money is safe. And if your bank has a high or even a higher-than-average Texas ratio, then for heaven's sake go in tomorrow and close your accounts. It's always best to get out of Dodge ahead of the posse.

Using this highly accurate barometer of bank health, I've not only reassured myself that my own bank -- the highly excellent Amarillo National -- is safe and sound, I've also made a list of the top ten banks most likely to fail. If you bank at one of these institutions or have friends or loved ones who do, please pass this information along to them:

The Top Ten Banks in Danger of Failure as of June 9, 2010 are:

1. USA Bank, Port Chester, NY
   
2. First Commerce Community Bank, Douglasville, GA
   
3. SouthWestUSA Bank, Las Vegas, NV
   
4. High Desert State Bank, Albuquerque, NM
   
5. Bank of Ellijay, Ellijay, CA
   
6. Eastern Savings Bank, Hunt Valley, MD
   
7. ISN Bank, Cherry Hill, NJ
   
8. Habersham Bank, Clarksville, GA
   
9. Ravenswood Bank, Chicago, IL
   
10. First National, Savannah, GA
    

I don't want to see any bank go under. But the fact is many have and many more will as the financial system works through its mountain of bad loans. The best way to predict which banks are in hot water is to use the Texas ratio.

One bit of good news is that the 20 publicly traded banks in the S&P 500 have low Texas ratios.

Institution	Ticker	Texas Ratio
Northern Trust	NTRS	0.04
Peoples United	PBCT	0.11
Hudson City Bancorp	HCBK	0.15
Comerica	CMA	0.20
Fifth Third	FITB	0.23
Citigroup	C	0.25
Keybank	KEY	0.27
M&T	MT	0.29
First Horizon	FHN	0.32
Marshall & Isley	MI	0.37
Regions Financial	RF	0.37
Zion Bancorp	ZION	0.42
J.P. Morgan Chase	JPM	0.45
PNC Financial	PNC	0.45
BB&T	BBT	0.45
Huntington	HBAN	0.48
Suntrust	STI	0.54
Bank of America	BAC	0.55
US Bank	USB	0.60
Wells Fargo	WFC	0.64

These large banks are strong. Too many others, however, are not. Please scroll down to see the list of 438 U.S. banks in danger of failing immediately, and ensure that your money is safe.

And again, if you have friends or loved ones who bank at one of the listed institutions, please pass this information along to them promptly via the "email" button at the bottom of this page.

 

About the author: Andy Obermueller is the Editor of Government-Driven Investing, the only publication in the U.S devoted to helping individual investors profit from the trillions of dollars in government spending each year. Andy is a research fanatic who spends dozens of hours each week poring over government data and corporate finances. He then takes his most profitable ideas and presents them to subscribers each month via Government-Driven Investing. Click here if you want to learn more.

 

 

Texas  Ratio	Name	City	State
2.88	Nexity Bank	Birmingham	AL
1.47	North Alabama Bank	Hazel Green	AL
1.38	First Tuskegee Bank	Tuskegee	AL
1.31	Community Bank and Trust - Alabama	Union Springs	AL
1.10	EvaBank	Eva	AL
1.06	First Financial Bank	Bessemer	AL
0.90	SunSouth Bank	Dothan	AL
1.71	Metropolitan National Bank	Little Rock	AR
1.19	First Federal Bank	Harrison	AR
1.14	Pinnacle Bank	Rogers	AR
2.98	Copper Star Bank	Scottsdale	AZ
2.95	Sunrise Bank of Arizona	Phoenix	AZ
1.92	Legacy Bank	Scottsdale	AZ
1.73	SunBank, National Association	Phoenix	AZ
1.20	Central Arizona Bank	Casa Grande	AZ
1.15	First Arizona Savings, A FSB	Scottsdale	AZ
2.64	Palm Desert National Bank	Palm Desert	CA
2.63	First Vietnamese American Bank	Westminster	CA
2.53	Butte Community Bank	Chico	CA
1.91	Canyon National Bank	Palm Springs	CA
1.85	Western Commercial Bank	Woodland Hills	CA
1.77	Ventura County  Business Bank	Oxnard	CA
1.68	Delta Bank, National Association	Manteca	CA
1.56	Pacific State Bank	Stockton	CA
1.37	Preferred Bank	Los Angeles	CA
1.33	San Luis Trust Bank, FSB	San Luis Obispo	CA
1.27	Golden Security Bank	Rosemead	CA
1.25	Borrego Springs Bank, National Association	La Mesa	CA
1.19	Mission Oaks National Bank	Temecula	CA
1.18	Sonoma Valley Bank	Sonoma	CA
1.14	Los Padres Bank	Solvang	CA
1.07	Professional Business Bank	Pasadena	CA
1.00	Citizens Bank of Northern California	Nevada City	CA
2.89	FirsTier Bank	Louisville	CO
2.32	Rocky Mountain Bank & Trust Florence	Florence	CO
1.41	Signature Bank	Windsor	CO
1.19	Park State Bank & Trust	Woodland Park	CO
1.18	The Pueblo Bank and Trust Company	Pueblo	CO
1.12	Advantage Bank	Loveland	CO
1.06	Peoples National Bank	Colorado Springs	CO
1.01	Pikes Peak National Bank	Colorado Springs	CO
0.97	Bank of Choice	Greeley	CO
0.96	Integrity Bank & Trust	Monument	CO
0.96	Champion Bank	Parker	CO
2.35	Patriot National Bank	Stamford	CT
1.44	The Wilton Bank	Wilton	CT
1.46	Adams National Bank	Washington	DC
1.30	Independence Federal Savings Bank	Washington	DC
4.46	Peninsula Bank	Englewood	FL
3.96	Coastal Community Bank	Panama City Beach	FL
3.45	Haven Trust Bank Florida	Ponte Vedra Beach	FL
3.42	Gulf State Community Bank	Carrabelle	FL
3.19	Olde Cypress Community Bank	Clewiston	FL
2.71	Turnberry Bank	Aventura	FL
2.62	Metro Bank of Dade County	Miami	FL
2.44	Independent National Bank	Ocala	FL
2.37	Progress Bank of Florida	Tampa	FL
2.32	The First National Bank of Florida	Milton	FL
2.22	Horizon Bank	Bradenton	FL
2.18	First Guaranty Bank and Trust Company of Jacksonville	Jacksonville	FL
2.14	Community National Bank of Bartow	Bartow	FL
2.11	Putnam State Bank	Palatka	FL
2.09	Sterling Bank	Lantana	FL
2.07	Coastal Bank	Merritt Island	FL
2.05	Home Federal Bank of Hollywood	Hallandale Beach	FL
1.92	Bayside Savings Bank	Port Saint Joe	FL
1.90	The Bank of Miami, National Association	Coral Gables	FL
1.78	Federal Trust Bank	Sanford	FL
1.75	EverBank	Jacksonville	FL
1.74	Beach Community Bank	Fort Walton Beach	FL
1.68	Gulf Coast Community Bank	Pensacola	FL
1.67	First National Bank of Central Florida	Winter Park	FL
1.64	Cortez Community Bank	Brooksville	FL
1.63	First Bank of Jacksonville	Jacksonville	FL
1.55	Ocean Bank	Miami	FL
1.55	Sunshine State Community Bank	Port Orange	FL
1.55	Sunrise Bank	Cocoa Beach	FL
1.54	Security Bank, National Association	North Lauderdale	FL
1.50	Wakulla Bank	Crawfordville	FL
1.49	Heritage Bank of North Florida	Orange Park	FL
1.47	First Commercial Bank of Florida	Orlando	FL
1.46	First City Bank of Florida	Fort Walton Beach	FL
1.39	Southern Commerce Bank, National Association	Tampa	FL
1.37	OptimumBank	Plantation	FL
1.33	LandMark Bank of Florida	Sarasota	FL
1.32	EuroBank	Coral Gables	FL
1.31	Bank of Coral Gables	Coral Gables	FL
1.30	Vision Bank	Panama City	FL
1.26	First Peoples Bank	Port St. Lucie	FL
1.23	BankUnited	Miami Lakes	FL
1.23	Florida Capital Bank, National Association	Jacksonville	FL
1.16	Southshore Community Bank	Apollo Beach	FL
1.14	First National Bank of Crestview	Crestview	FL
1.13	First East Side Savings Bank	Tamarac	FL
1.12	First Commercial Bank of Tampa Bay	Tampa	FL
1.09	Great Florida Bank	Coral Gables	FL
1.06	The Bank of Commerce	Sarasota	FL
1.06	Bank of Jackson County	Graceville	FL
1.04	TransCapital Bank	Hallandale Beach	FL
1.03	Fidelity Bank of Florida, National Association	Merritt Island	FL
1.01	Great Eastern Bank of Florida	Miami	FL
0.94	Central Florida State Bank	Belleview	FL
0.93	TIB Bank	Naples	FL
0.93	Independent Banker's Bank of Florida	Lake Mary	FL
0.91	Community Bank of Manatee	Lakewood Ranch	FL
0.90	U. S. Century Bank	Doral	FL
0.90	The Royal Palm Bank of Florida	Naples	FL
5.67	First Commerce Community Bank	Douglasville	GA
4.90	Bank of Ellijay	Ellijay	GA
4.61	Habersham Bank	Clarkesville	GA
4.54	First National Bank	Savannah	GA
4.18	North Georgia Bank	Watkinsville	GA
4.11	Crescent Bank and Trust Company	Jasper	GA
4.04	Chestatee State Bank	Dawsonville	GA
3.80	Montgomery Bank & Trust	Ailey	GA
3.80	High Trust Bank	Stockbridge	GA
3.68	The First State Bank	Stockbridge	GA
3.57	American Trust Bank	Roswell	GA
3.52	Security Exchange Bank	Marietta	GA
3.49	The Gordon Bank	Gordon	GA
3.37	Douglas County Bank	Douglasville	GA
3.30	Northwest Bank & Trust	Acworth	GA
3.14	McIntosh State Bank	Jackson	GA
2.90	First Cherokee State Bank	Woodstock	GA
2.83	Mountain Heritage Bank	Clayton	GA
2.64	The Park Avenue Bank	Valdosta	GA
2.60	Enterprise Banking Company	Mcdonough	GA
2.48	Darby Bank & Trust Co.	Vidalia	GA
2.46	Appalachian Community Bank, F.S.B.	McCaysville	GA
2.43	Gwinnett Community Bank	Duluth	GA
2.42	The Peoples Bank	Winder	GA
2.42	Atlantic Southern Bank	Macon	GA
2.32	Hometown Community Bank	Braselton	GA
2.32	The Peoples Bank	Covington	GA
2.30	Sunrise Bank of Atlanta	Atlanta	GA
2.16	Piedmont Community Bank	Gray	GA
2.03	Oglethorpe Bank	Brunswick	GA
1.93	Providence Bank	Alpharetta	GA
1.90	CreekSide Bank	Woodstock	GA
1.84	Community Bank and Trust - West Georgia	Lagrange	GA
1.82	Citizens Bank of Effingham	Springfield	GA
1.77	United Americas Bank, National Association	Atlanta	GA
1.75	Patriot Bank of Georgia	Cumming	GA
1.72	WestSide Bank	Hiram	GA
1.70	Farmers & Merchants Bank	Lakeland	GA
1.69	Peoples Bank & Trust	Buford	GA
1.65	Northside Bank	Adairsville	GA
1.64	PlantersFIRST	Cordele	GA
1.64	State Bank and Trust Company	Macon	GA
1.60	Decatur First Bank	Decatur	GA
1.59	First Citizens Bank of Georgia	Dawsonville	GA
1.52	Community & Southern Bank	Carrollton	GA
1.51	Community Capital Bank	Jonesboro	GA
1.50	Georgia Trust Bank	Buford	GA
1.49	The First National Bank of Barnesville	Barnesville	GA
1.48	Heritage Bank	Jonesboro	GA
1.43	Legacy State Bank	Loganville	GA
1.41	Central Bank of Georgia	Ellaville	GA
1.41	Capitol City Bank & Trust Company	Atlanta	GA
1.39	First Georgia Banking Company	Franklin	GA
1.39	Bartow County Bank	Cartersville	GA
1.37	Citizens State Bank	Kingsland	GA
1.37	New Horizons Bank	East Ellijay	GA
1.37	CharterBank	West Point	GA
1.37	Community Bank of Rockmart	Rockmart	GA
1.28	Eastside Commercial Bank	Conyers	GA
1.28	Bank of Newington	Newington	GA
1.25	One Georgia Bank	Atlanta	GA
1.24	Georgia Heritage Bank	Dallas	GA
1.22	The Farmers Bank	Forsyth	GA
1.21	Tifton Banking Company	Tifton	GA
1.12	Jasper Banking Company	Jasper	GA
1.11	The Piedmont Bank	Lawrenceville	GA
1.09	Covenant Bank & Trust	Rock Spring	GA
1.08	Frontier Bank	Lagrange	GA
1.07	First Covenant Bank	Norcross	GA
1.05	First National Bank of Griffin	Griffin	GA
1.04	The First National Bank of Chatsworth	Chatsworth	GA
1.01	First State Bank	Wrens	GA
0.98	Northwest Georgia Bank	Ringgold	GA
0.97	The Patterson Bank	Patterson	GA
0.96	Farmers & Merchants Bank	Statesboro	GA
0.95	Community Bank of the South	Smyrna	GA
0.94	Bank of North Georgia	Alpharetta	GA
0.93	PrimeSouth Bank	Blackshear	GA
0.92	Global Commerce Bank	Doraville	GA
0.92	Signature Bank of Georgia	Sandy Springs	GA
0.90	CornerstoneBank	Atlanta	GA
1.10	Central Pacific Bank	Honolulu	HI
2.24	Polk County Bank	Johnston	IA
1.38	State Central Bank	Keokuk	IA
1.19	VisionBank of Iowa	West Des Moines	IA
1.18	Patriot Bank	Brooklyn	IA
1.18	First Bank	West Des Moines	IA
1.10	First National Bank Midwest	Oskaloosa	IA
1.03	Idaho Banking Company	Boise	ID
0.98	Syringa Bank	Boise	ID
4.59	Ravenswood Bank	Chicago	IL
4.00	Family Federal Savings of Illinois	Cicero	IL
3.71	Builders Bank	Chicago	IL
3.47	First Suburban National Bank	Maywood	IL
3.16	ShoreBank	Chicago	IL
2.97	Palos Bank and Trust Company	Palos Heights	IL
2.63	Valley Community Bank	St. Charles	IL
2.57	The Bank of Commerce	Wood Dale	IL
2.45	American Metro Bank	Chicago	IL
2.35	First National Bank of Brookfield	Brookfield	IL
2.31	Western Springs National Bank and Trust	Western Springs	IL
2.05	CenTrust Bank, National Association	Northbrook	IL
1.73	Community First Bank - Chicago	Chicago	IL
1.68	Second Federal Savings and Loan Association of Chicago	Chicago	IL
1.64	First Bank and Trust Company of Illinois	Palatine	IL
1.38	The First Commercial Bank	Chicago	IL
1.37	Edgebrook Bank	Chicago	IL
1.36	Baytree National Bank & Trust Company	Lake Forest	IL
1.23	Chicago Community Bank	Chicago	IL
1.23	Oxford Bank & Trust	Oak Brook	IL
1.21	American Enterprise Bank	Buffalo Grove	IL
1.20	FirstSecure Bank and Trust Co.	Palos Hills	IL
1.17	First Chicago Bank & Trust	Itasca	IL
1.16	PNA Bank	Chicago	IL
1.15	First Choice Bank	Geneva	IL
1.12	Archer Bank	Chicago	IL
1.06	Norstates Bank	Waukegan	IL
1.05	Charter National Bank and Trust	Hoffman Estates	IL
1.04	DuPage National Bank	West Chicago	IL
1.02	All American Bank	Des Plaines	IL
1.00	AztecAmerica Bank	Berwyn	IL
0.99	Inland Bank and Trust	Oak Brook	IL
0.99	Union National Bank and Trust Company of Elgin	Elgin	IL
0.95	First Security Trust and Savings Bank	Elmwood Park	IL
0.94	Downers Grove National Bank	Westmont	IL
0.90	The Elgin State Bank	Elgin	IL
0.90	Community Bank of Oak Park River Forest	Oak Park	IL
1.06	Integra Bank National Association	Evansville	IN
2.47	Hillcrest Bank	Overland Park	KS
2.46	The First National Bank of Olathe	Olathe	KS
1.64	Security Savings Bank, F.S.B.	Olathe	KS
1.20	Armed Forces Bank, National Association	Fort Leavenworth	KS
1.18	Roxbury Bank	Roxbury	KS
1.17	1st Financial Bank	Overland Park	KS
1.12	Heritage Bank	Topeka	KS
0.96	First National Bank & Trust Company in Larned	Larned	KS
0.93	Alliant Bank	Sedgwick	KS
1.36	Citizens Commerce National Bank	Versailles	KY
0.99	Citizens Union Bank of Shelbyville	Shelbyville	KY
2.09	Central Progressive Bank	Lacombe	LA
1.43	Iberiabank	Lafayette	LA
1.13	First National Bank USA	Boutte	LA
1.15	Stoneham Savings Bank	Stoneham	MA
4.86	Eastern Savings Bank, FSB	Hunt Valley	MD
2.22	K  Bank	Randallstown	MD
2.01	Bay National Bank	Baltimore	MD
1.40	Colombo Bank	Rockville	MD
1.24	CFG Community Bank	Baltimore	MD
1.20	Bank of the Eastern Shore	Cambridge	MD
1.13	Hull Federal Savings Bank	Baltimore	MD
1.03	Border Trust Company	Augusta	ME
2.43	Mainstreet Savings Bank, FSB	Hastings	MI
2.16	Flagstar Bank, FSB	Troy	MI
1.82	Peoples State Bank	Hamtramck	MI
1.57	Michigan Commerce Bank	Ann Arbor	MI
1.52	First National Bank in Howell	Howell	MI
1.36	Oxford Bank	Oxford	MI
1.31	Fidelity Bank	Dearborn	MI
1.19	Clarkston State Bank	Clarkston	MI
1.16	Select Bank	Grand Rapids	MI
1.09	Capitol National Bank	Lansing	MI
0.93	West Michigan Community Bank	Hudsonville	MI
3.20	Community Security Bank	New Prague	MN
2.52	Home Savings of America	Little Falls	MN
2.28	The RiverBank	Wyoming	MN
2.25	First Resource Bank	Savage	MN
1.67	Premier Bank Minnesota	Farmington	MN
1.61	Riverland Bank	Jordan	MN
1.61	State Bank of Cokato	Cokato	MN
1.56	Community National Bank	Lino Lakes	MN
1.46	Rosemount National Bank	Rosemount	MN
1.41	BankCherokee	Saint Paul	MN
1.41	Premier Bank	Maplewood	MN
1.35	Eagle Community Bank	Maple Grove	MN
1.31	Inter Savings Bank, fsb  D/B/A  Interbank	Maple Grove	MN
1.26	Park State Bank	Duluth	MN
1.24	Americana Community Bank	Sleepy Eye	MN
1.23	Premier Bank Rochester	Rochester	MN
1.22	First Commercial Bank	Bloomington	MN
1.21	1st Regents Bank	Andover	MN
1.18	State Bank of Delano	Delano	MN
1.17	Minnwest Bank Metro	Eagan	MN
1.00	Maple Bank	Champlin	MN
0.98	BankWest	Rockford	MN
0.95	Great Northern Bank	Saint Michael	MN
0.94	Highland Bank	Saint Michael	MN
0.93	Boundary Waters Bank	Ely	MN
0.93	Patriot Bank Minnesota	Wyoming	MN
0.91	Lake Country Community Bank	Morristown	MN
0.90	Lakeview Bank	Lakeville	MN
3.26	Premier Bank	Jefferson City	MO
2.45	Westbridge Bank and Trust	Chesterfield	MO
1.86	Sun Security Bank	Ellington	MO
1.77	Bank Midwest, National Association	Kansas City	MO
1.48	The Bank of Macks Creek	Macks Creek	MO
1.37	Community Bank of the Ozarks	Sunrise Beach	MO
1.29	Citizens National Bank of Springfield	Springfield	MO
1.25	Meramec Valley Bank	Valley Park	MO
1.22	Truman Bank	St. Louis	MO
1.21	1st Advantage Bank	Saint Peters	MO
1.17	Village Bank	Springfield	MO
1.13	Heartland Bank	Saint Louis	MO
0.96	Bank of Belton	Belton	MO
0.93	Patriots Bank	Liberty	MO
1.08	Heritage Banking Group	Carthage	MS
1.29	American Bank	Bozeman	MT
1.22	Bank of Bozeman	Bozeman	MT
1.22	Freedom Bank	Columbia Falls	MT
1.19	First Citizens Bank of Polson, National Association	Polson	MT
0.93	Bank of The Rockies, National Association	White Sulphur Springs	MT
0.90	Mountain West Bank, National Association	Helena	MT
3.13	Pisgah Community Bank	Asheville	NC
2.52	Blue Ridge Savings Bank, Inc.	Asheville	NC
1.33	Nantahala Bank & Trust Company	Franklin	NC
1.26	Communityone Bank, National Association	Asheboro	NC
1.20	Security Savings Bank, SSB	Southport	NC
1.13	The Bank of Currituck	Moyock	NC
1.12	The Bank of Asheville	Asheville	NC
1.12	Cornerstone Bank	Wilson	NC
1.09	Bank of Granite	Granite Falls	NC
0.98	Waccamaw Bank	Whiteville	NC
0.99	Lincoln FSB of Nebraska	Lincoln	NE
0.99	Thayer County Bank	Hebron	NE
0.99	FirsTier Bank	Kimball	NE
4.66	ISN Bank	Cherry Hill	NJ
2.17	Metlife Bank, National Association	Bridgewater	NJ
0.99	Amboy Bank	Old Bridge	NJ
5.11	High Desert State Bank	Albuquerque	NM
1.37	First Community Bank	Taos	NM
1.25	Sunrise Bank of Albuquerque	Albuquerque	NM
1.13	Bank 1st	Albuquerque	NM
5.19	SouthwestUSA Bank	Las Vegas	NV
3.52	Nevada Security Bank	Reno	NV
2.56	Bank of Las Vegas	Las Vegas	NV
2.53	1st Commerce Bank	North Las Vegas	NV
1.90	Nevada Commerce Bank	Las Vegas	NV
1.01	Bank of North Las Vegas	North Las Vegas	NV
0.95	Bank of George	Las Vegas	NV
10.78	USA Bank	Port Chester	NY
1.57	Community Federal Savings Bank	Woodhaven	NY
1.25	First Central Savings Bank	Glen Cove	NY
1.21	Emigrant Savings Bank - Long Island	Westbury	NY
1.04	Emigrant Savings Bank - Brooklyn/Queens	Brooklyn	NY
1.00	Bank of Smithtown	Smithtown	NY
2.96	Bramble Savings Bank	Milford	OH
1.42	The Ohio State Bank	Marion	OH
1.33	Columbia Savings Bank	Cincinnati	OH
1.22	United Midwest Savings Bank	De Graff	OH
0.98	Park View Federal Savings Bank	Solon	OH
0.96	Benchmark Bank	Gahanna	OH
2.98	MidFirst Bank	Oklahoma City	OK
2.61	Home National Bank	Blackwell	OK
1.28	Liberty Federal Savings Bank	Enid	OK
1.04	The Citizens Bank of Edmond	Edmond	OK
1.00	The Exchange Bank	Skiatook	OK
0.91	First Texoma National Bank	Durant	OK
1.91	Albina Community Bank	Portland	OR
1.62	MBank	Gresham	OR
1.23	Bank of the Cascades	Bend	OR
1.16	LibertyBank	Eugene	OR
1.02	Home Valley Bank	Cave Junction	OR
0.97	Pacific West Bank	West Linn	OR
1.84	Earthstar Bank	Southampton	PA
1.58	First CornerStone Bank	King Of Prussia	PA
1.53	Allegiance Bank of North America	Bala Cynwyd	PA
1.32	Croydon Savings Bank	Croydon	PA
1.18	Public Savings Bank	Huntingdon Valle	PA
0.96	Nextier Bank, National Association	Evans City	PA
1.67	Doral Bank	San Juan	PR
3.85	First National Bank of the South	Spartanburg	SC
2.51	Woodlands Bank	Bluffton	SC
2.10	Williamsburg First National Bank	Kingstree	SC
1.66	Plantation Federal Bank	Pawleys Island	SC
1.65	CommunitySouth Bank and Trust	Easley	SC
1.60	Carolina Federal Savings Bank	Charleston	SC
1.52	The Palmetto Bank	Laurens	SC
1.46	First South Bank	Spartanburg	SC
1.42	BankMeridian, N.A.	Columbia	SC
1.11	South Carolina Community Bank	Columbia	SC
1.46	First Midwest Bank	Centerville	SD
3.15	American Patriot Bank	Greeneville	TN
1.40	Sevier County Bank	Sevierville	TN
1.02	Community South Bank	Parsons	TN
1.01	Mountain National Bank	Sevierville	TN
1.00	Bank of Bartlett	Bartlett	TN
0.95	Tennessee State Bank	Pigeon Forge	TN
0.94	Bank of Lincoln County	Fayetteville	TN
1.70	Jefferson Bank	Dallas	TX
1.51	Prosper Bank	Prosper	TX
1.43	United Central Bank	Garland	TX
1.35	Equity Bank,SSB	Dallas	TX
1.31	Colonial Savings, F.A.	Fort Worth	TX
1.12	United Community Bank, National Association	Highland Village	TX
0.94	Inter National Bank	Mcallen	TX
0.93	Town Center Bank	Coppell	TX
2.39	Gunnison Valley Bank	Gunnison	UT
2.08	Western Community Bank	Orem	UT
1.40	The Village Bank	Saint George	UT
1.23	First Utah Bank	Salt Lake City	UT
1.18	SunFirst Bank	Saint George	UT
1.07	Holladay Bank & Trust	Salt Lake City	UT
1.19	Millennium Bank, National Association	Sterling	VA
1.10	The Peoples Bank	Ewing	VA
0.96	Consolidated Bank and Trust Company	Richmond	VA
3.13	Washington First International Bank -- Failed 6/11/2010	Seattle	WA
2.58	HomeStreet Bank	Seattle	WA
2.58	Seattle Bank	Seattle	WA
2.47	North County Bank	Arlington	WA
2.33	First Sound Bank	Seattle	WA
2.13	Shoreline Bank	Shoreline	WA
1.98	Regal Financial Bank	Seattle	WA
1.78	AmericanWest Bank	Spokane	WA
1.72	The Cowlitz Bank	Longview	WA
1.56	Viking Bank	Seattle	WA
1.46	Sterling Savings Bank	Spokane	WA
1.33	The Bank of Washington	Lynnwood	WA
1.20	First Heritage Bank	Snohomish	WA
1.16	Mountain Pacific Bank	Everett	WA
1.12	Business Bank	Burlington	WA
1.07	Bank of Whitman	Colfax	WA
1.04	Prime Pacific Bank, National Association	Lynnwood	WA
0.99	Eastside  Commercial  Bank, National Association	Bellevue	WA
0.90	Cascade Bank	Everett	WA
3.10	Maritime Savings Bank	West Allis	WI
1.40	Citizens State Bank	Hudson	WI
1.34	First Banking Center	Burlington	WI
1.20	Badger State Bank	Cassville	WI
1.18	Southport Bank	Kenosha	WI
1.17	AnchorBank	Madison	WI
1.13	Security State Bank	Iron River	WI
1.04	Eagle Valley Bank, National Association	St. Croix Falls	WI