Related by context. All words. (Click for frequent words.) 69 capitalized minimums 69 Adequately Capitalized 66 Capital Ratio 66 adequately capitalized 63 Risk Weighted 62 Capital Ratios 61 critically undercapitalized 61 significantly undercapitalized 61 Capital Adequacy Ratio 60 Minimum Continuing 59 Leverage Ratio 58 Total Risked Based 58 Intervest National 58 Leverage Tier 56 Capital Adequacy 56 ROAE 56 Prompt Corrective Action 55 BHCs 55 nonperforming assets 55 Asset Quality 55 FHCs 54 SLHCs 54 Leverage ratio 54 nonperforming asset 54 Lowers Prime 54 NAIC RBC 54 Preferred Lender 53 Systemically Important 53 nonperforming assets NPAs 53 Leverage Ratios 53 SCAP buffer 53 Tangible Common Equity 53 Funded Debt 52 Congressionally chartered wholesale 52 TCE ratio 52 Fitch AAAmmf rating 52 Rating Methodology 52 ALLL 52 PCA Directive 52 Surplus Requirements MCCSR 52 Tangible Equity 52 Covered Loans 51 CRAR 51 Liquidity Position 51 BIS Tier 51 BBB + IDR 51 A-/A-2 counterparty credit 51 Delinquent Loans 51 Servicer Ratings 51 Loss Severity 51 Unsecured Debt 51 KBW Honor Roll 51 Ameriana Bancorp 51 Xenith Bankshares 51 Fitch BBB medians 51 Borrowing Capacity 51 noninterest bearing transaction 50 Tangible Assets Ratio 50 NASDAQ TONE 50 nonbank subsidiaries 50 NCB FSB 50 Primary Servicer Rating 50 Current Mortgage Rates 50 Mortgage Modifications 50 Standardized Approach 50 nonperforming loans 50 Assets Ratio 50 average equity ROAE 49 rated Baa 49 Charge Offs 49 CRE exposures 49 Financing Condition 49 Delinquencies Rise 49 undepreciated book 49 adequacy ratio 49 Market Capitalization 49 TARP Repayment 49 Publicly Held Shares 49 MutualFirst Financial 49 NOTES Applicable 49 nondepository 49 Loan Interest Rates 49 assets ROAA 49 Loan Losses 49 TARP CPP 49 Credit Losses 48 Taxable Equivalent Basis 48 Subsidiaries FINANCIAL HIGHLIGHTS 48 BSRR 48 FDIC insured depository 48 Resi Servicer Ratings 48 Non accrual Loans 48 Subordinated Debt 48 adequacy ratios 48 Interest Coverage Ratio 48 CMBS Delinquencies 48 Repay TARP 48 Declares Preferred Dividends 48 MCCSR 48 AAA/A-1 + 48 Morning Market Snapshot 48 AAAmmf 48 Loan Portfolio 48 Refinance Mortgage Rates 48 substitute LOCs 48 NASDAQ DCOM 48 Leverage ratios 48 FDIC Insured 48 Shareholder Dividend 48 FMBI 48 BBB IDR 48 Ratings Actions 48 nonaccruing loans 48 SmartGrowth Deposits 48 CMBS Servicer Ratings 48 Efficiency Ratio 48 ROAA 48 Tangible Common 48 Lease Losses 48 Hawaii BOH 48 SCVBank 48 Balance Sheet Restructuring 48 Lending Rates 48 non accrual 48 Parke Bancorp 48 nonperforming loans totaled 48 Continued Listing Requirements 48 Shareholder Equity 48 MCCSR ratio 48 Gross NPAs 48 Housing Starts Plunge 48 Stock Repurchases 48 BNCCORP 48 Cents Per Common Share 48 FDIC insured institutions 47 Overdraft Fees 47 Solvency ratio 47 Core Tier 47 LT IDR 47 Increases Cash Dividend 47 ABCW 47 loan chargeoffs 47 SmartGrowth Loans 47 CMBS Newsletter 47 charge offs 47 Rate Unchanged 47 nonaccrual 47 ESBK 47 Cowlitz Bancorporation 47 undercapitalized 47 FFIs 47 Mortgage Rates Rise 47 REGULATORY CAPITAL 47 Foreclosure Freeze 47 nonaccrual loans 47 Credit Card Delinquencies 47 Surplus Requirements MCCSR ratio 47 BCAR 47 Regulators Shut 47 loan NPL ratio 47 Leaves Interest Rates 47 Foreclosure Process 47 Prime RMBS 47 NPL Ratio 47 TCE TA 47 Aaa rated 47 NCUSIF 47 Secured Debt 47 Non Recourse 47 Holds Interest Rate 47 EMPLOYEE FUTURE BENEFITS 47 CIRe 47 Announces Preferred Dividends 47 Refinance Rates 47 Interest Rate Hikes 47 Mayflower Co operative 47 Understanding Universal BCAR 47 Residential Servicer Ratings 47 Notching Criteria 47 CAMELS rating 47 SFSB Inc. 47 FNLC 47 calculating TCE 47 noncurrent loans 47 Impaired loans 47 Total Capitalization 47 nonperforming assets totaled 47 Deposit Rate AWDR 47 Coverage Ratio 47 assets RoA 47 Interest Rates Unchanged 47 Legacy Bancorp 47 Consolidated Leverage Ratio 46 Bailout Funds 46 Legacy NASDAQ LEGC 46 Strength Ratings 46 Nasdaq Listing Requirements 46 nonperforming 46 Ambulatory EHR certification 46 BPPR 46 Holds Interest Rates 46 TierOne Corporation 46 Private Equity Financing 46 Overnight Repurchase 46 BOJ Keeps 46 stockholders equity 46 Common Share Dividend 46 Dividend Payout Ratio 46 Ratio BCAR 46 Nasdaq Notice Regarding 46 Quarterly Dividends 46 Rule 2a 7 46 IBIs 46 Mutual NASDAQ BKMU 46 RMBS Servicer Ratings 46 Fourth Quarter Dividend 46 Fixed Mortgage Rates 46 NPL ratios 46 Interest Earning Assets 46 Third Quarter Cash Dividend 46 Pending Merger 46 VIENNA Austria Erste 46 Defaults Rise 46 N.A. 46 Creditworthiness 46 SEC Regulation FD 46 Increases Quarterly Cash Dividend 46 accruing loans 46 Servicer Rating 46 Dividend Declared 46 F2 ind 46 § #.#-# [004] 46 NASDAQ Listing Rules 46 Housing Starts Jump 46 RMBS Cash Flow 46 Fauquier Bankshares 46 Average Stockholders Equity 46 nonperforming loans NPLs 46 EvergreenBancorp 46 F4 ind 46 Liquidity Ratio 46 Share Repurchases 46 Subordinated Bonds 46 Risky Loans 46 Hold Interest Rates 46 Tame Inflation 46 #.# bln rbs 46 Debit Card Fees 46 Counterparty Criteria 46 losses ALLL 46 Credit Card Rate 46 average assets ROAA 46 Quarterly Dividend Declared 46 SUMMIT FINANCIAL GROUP INC. 46 Restructured Loans 46 Leaves Interest Rate 46 Housing Starts Rise 46 Flagstone Re Announces 46 KIPCOKIPCO 46 Net Interest Margin 46 Loan Delinquencies 46 FDIC insures deposits 46 Credit Card Defaults 46 TBBK 46 nonaccrual loan 46 NASDAQ BNCL 46 HRS § #-# [001] 46 Subprime Exposure 46 Preferred Stock Issued 46 gross NPL ratio 46 NASDAQ UMPQ parent 46 FirstBank Puerto Rico 46 Premierwest Bancorp 45 Home Loan Modifications 45 rated RPS2 45 Foreclosure Moratorium 45 inadequately capitalized 45 FNSC 45 WFSL 45 remarkable #,#:# contrast 45 procyclical effects 45 NYSE Amex Listing 45 LibertyBank Acquisition 45 Raises Interest Rate 45 AAA/V1 + 45 Second Quarter Dividend 45 Nonbank 45 Centrue 45 SBA Lender 45 NBFC MFIs 45 FHLBanks 45 To Repay TARP 45 adequately collateralized 45 Negative Implications 45 Variable Interest Entities VIEs 45 Waccamaw Bankshares 45 Mortgage Rates Hit 45 Assumes Deposits 45 Omnicare Declares Quarterly 45 Negative Rating Watch 45 Rating Affirmed 45 CREDIT QUALITY 45 solvency ratio 45 Inflation Fears Ease 45 Intervest Bancshares Corporation 45 NASDAQ FSNM 45 unitary thrift holding 45 Nonaccruing loans 45 Repurchase Program 45 Cut Interest Rates 45 Santa Clarita OTCBB BSCA 45 MicroFinancial Incorporated Announces 45 AMCORE Financial Inc. 45 repays TARP 45 SBLIC 45 Rating Outlook Negative 45 Debenture Financing 45 Lease Losses ALLL 45 WSFG 45 Default Rate 45 Basel Accords 45 NASDAQ CACB 45 Balance sheet 45 BASEL II 45 fullyear outturn represents 45 Private Student Loan 45 Proved Reserve 45 Outlook Negative 45 Term Securitization 45 performing loans NPLs 45 Assigns Issuer Credit 45 Evergreen Closed End 45 Loan Loss 45 Assigns Stable Outlook 45 LTV ratios 45 Fitch Rates Wells Fargo 45 Appreciable downside risks 45 PPD Declares 45 Proposed Offering 45 Moody Aaa 45 Cash Balances 45 Diversified REITs industry 45 Newmont Declares Regular 45 REGULATORY CAPITAL DATA 45 Negative Rating Outlooks 45 Basis Points 45 Cornerstone Bancshares Inc. 45 rated CREL CDOs 45 Loan Funds Declare 45 Ameris Bancorp ABCB 45 Goodwill Impairment Charge 45 Best Capital Adequacy 45 calculates FFO 45 Transactions Designated 45 CommerceFirst 45 insured depository institutions 45 Share Repurchase 45 Refinanced 45 Nonperforming assets totaled 45 HOEPA 45 Vacancy Rate 45 Federal Deposit 45 Q4 Adj 45 Mandatory Conversion 45 Aircastle Announces 45 #.#:# #.#:# [001] 45 San Francisco UnionBanCal Corporation 45 Average Balance Sheets 45 BB-/RR1 45 MVPHS 45 gross NPAs 45 Flexsteel Announces 45 Fixed Rate Mortgages 45 minimum cumulative GPA 45 CMBS delinquency 45 Fixed Charge 45 Financial Ratios 45 Westwind Blvd 45 NASDAQ TSBK 45 NBFC MFI 45 Volume Detected 45 FHFB 45 Recurring FFO 45 Nonperforming 45 FDICIA 45 Glatfelter Declares Dividend 45 Mapfre Re 45 AmericasBank Corp. 45 Alex Ferreras 45 Reverse Repo Rate 45 implied volatilities tend 45 Undrawn 45 CREL CDOs 45 TAYC 45 Fourth Quarter Cash Dividend 45 Regains Compliance With 45 Interest Bearing Due 45 UNITED COMMUNITY BANKS INC. 45 AVAILABLE SEAT KM 45 noninvestment grade 45 BANK CAPITAL 45 Share Repurchase Authorization 44 Stress Testing 44 BauerFinancial 44 Loses Momentum 44 Revises Outlooks 44 CDFI 44 STILL LOW 44 NASDAQ NKSH 44 Unemployment Rate Declines 44 Student Loan ABS 44 accrual status 44 Satilla Community Bank 44 Buyback Plan 44 Debt Covenants 44 Default Swaps Show 44 REGULATORY CAPITAL RATIOS 44 NASDAQ SMMF 44 Regulators Shut Down 44 TruPS CDO 44 SMARTView Date 44 NYSE CXS 44 FDIC Temporary Liquidity 44 Nonperforming loans totaled 44 Regular Monthly Distributions 44 Grams Per Tonne 44 Checking Account 44 Medcath NASDAQ MDTH 44 Maintains Market Perform 44 Productivity Rises 44 Housing Starts Fall 44 QRMs 44 RMIC 44 KEYCORP 44 Corp. NASDAQ BKUNA 44 Equal Opportunity Lender 44 Westamerica 44 severely undercapitalized 44 Support #.# #.# 44 Capital Purchase 44 NASDAQ Minimum Bid 44 Mortgage Rates Fall 44 Exceptional Performer 44 Carrols Restaurant 44 Continued Listing 44 Financing Commitment 44 Raise Interest Rates 44 BBB Issuer Default 44 Gentex Declares Quarterly 44 Keeps Rate 44 Subservicing volume 44 Soundness 44 OTC BB FKYS parent 44 Financial Institutions Act BOFIA 44 h Represents 44 Stock Option Expensing 44 Dividend Increase 44 Reserve Balances 44 Jason Luciw Kelowna 44 TriCo Bancshares Announces 44 Borrowing Base Redetermination 44 prudential requirements 44 RG Premier 44 Watches Warnings 44 FSB Draghi 44 Publicly Traded Mid 44 noninterest bearing deposit 44 Lending Practices 44 CommerceWest Bank 44 Total Assets 44 efficiency ratio teb 44 Fncl 44 Housing Starts Drop 44 Tear Sheet 44 Hanmi Financial 44 Rates Remain 44 TriCo Bancshares 44 NASDAQ Capital FFCO 44 NASDAQ GBCI 44 Charge offs 44 MASSBANK Corp. 44 TALF Eligible 44 Mortgage Rates Remain 44 Retail postpaid churn 44 Highly Speculative 44 depository institutions 44 Interest Expenses 44 BankFinancial Corporation 44 Stable Outlooks 44 CREL CDO Delinquencies 44 Non Accrual Loans 44 FMER 44 Operating Expense Ratio 44 undepreciated assets 44 Dividend Payment 44 Southside Bancshares Inc. 44 Low Interest Rates 44 Nonperforming assets NPAs 44 policyholder dividends 44 multifamily delinquency 44 Earnings Per Share 44 Recent Accounting Pronouncements 44 OREO write downs 44 Average Equity ROAE 44 Nonperforming Assets 44 By DAN CONNOLLY 44 RoA 44 Federally insured 44 exceptionally stimulative 44 Loan Delinquency 44 Assets ROA 44 CRE concentrations 44 statutory minimums 44 NASDAQ LEGC 44 Home Loan Modification 44 Westamerica Bancorporation WABC 44 Preliminary Approval 44 CapitalSouth Bank 44 Organization NRSRO 44 obligor concentration 44 Increases Share Repurchase 44 Troubled Debt Restructurings 44 chargeoff 44 GreenPoint Mortgage Funding 44 BBB-/BB + 44 Consumer Confidence Sinks 44 NASDAQ GBDC 44 FFDF 44 rated RPS2 + 44 Wilshire Bancorp 44 noninterest bearing deposits 44 CommunitySouth 44 Credit Raters 44 XLU SPY Relative Strength 44 CONSOLIDATED FINANCIAL SUMMARY 44 SuffolkFirst Bank 44 QSPE 44 SHKPI 44 Non performing 44 III.#.# 44 Dollar Sags 44 Reduce Debt 44 Airgas ARG #/#/# PriceWatch 44 Cash Infusion 44 PTPP 44 TCE RWA ratio 44 Market Disruption 44 Susquehanna Bancshares NASDAQ SUSQ 44 Renasant Insurance 44 Macroprudential 44 nonaccrual status 44 IOSA Registration 44 USBanker 44 FISMA HIPAA 44 properties collateralizing 44 TCBI 44 Preferred Stock Dividend 44 Credit Card Interest Rates 44 AVERAGE BALANCES Total 44 Dividend Achiever 44 Slashes Dividend 44 By JIM ROONEY 44 NYSE AGO Assured 44 loans NPLs 44 Increases Dividend 44 Universal Shelf Registration 44 Write Downs 44 Understanding BCAR 44 Statutory Liquidity Ratio SLR 44 Montreal BMO 44 CATY 44 Remortgages 44 symbol FPTB 44 Asset Backed Securitization 44 Unsecured Credit 44 Hotwire Reveals Hotel 44 Speculative Grade 44 BFSRs 44 FY# Guidance 44 stressed DSCR 43 Aaa Moody 43 Pain Therapeutics NASDAQ PTIE 43 NPL ratio 43 Nifty PCR OI 43 Superior Bancorp SUPR 43 Inc. NASDAQ UCBI 43 Subprime Loans 43 Consolidation Continues 43 Mergent Dividend Achiever 43 CAMELS 43 Minimum Bid 43 spokesman Kevin Mukri 43 BioDelivery Sciences NASDAQ BDSI 43 AltaPacific Bank 43 AMCORE Financial 43 CBKN 43 BankLiberty 43 mandatorily redeemable 43 Zions Bancorporation ZION 43 BOFIA 43 NASDAQ CBSH 43 Key Interest Rate 43 Quarterly Periods 43 #.#:# #.#:# #.#:# [002] 43 Authorised Share 43 WSFS Reit Inc. 43 GERBER SCIENTIFIC INC. SELECTED 43 Yields Surge 43 Impairment Losses 43 NOHC 43 Versus Loonie 43 Wintrust Financial 43 BY TONY PHIFER 43 INC. Summary 43 Positive Rating Outlook 43 Disclosure Requirements 43 Million ozs 43 Rating Floor 43 StanCorp Financial 43 Credit Card ABS 43 Veribanc 43 .# Per Share 43 Upgrades Issuer Credit 43 Homebuilder Confidence 43 Globicus qEcon EMU 43 Baa2/BBB 43 Upward Momentum 43 Southside Bancshares 43 Combined Entity 43 Non Dilutive Financing 43 BILL BURTON For 43 FHLBank Cincinnati 43 Cuts Interest Rates 43 Chargeoffs 43 TruPS CDOs 43 Northrim 43 FIFTH THIRD BANCORP 43 Turkcell Iletisim Hizmet 43 SMMI 43 MVPHS requirement 43 Margin Requirements 43 Newell Rubbermaid Declares Dividend 43 presumes intoxication 43 Negative Outlooks 43 Third Quarter Dividend 43 Tangible equity 43 Credit Card Receivables 43 Sterling Bancshares Inc 43 Impaired Loans 43 Structured Finance Transactions 43 Balance Sheet 43 CINDY KIBBE NEW HAMPSHIRE 43 Fundings 43 Announces Quarterly Dividends 43 Workforce Reductions 43 Foreclosed assets 43 insured depository institution 43 Inc CBSH 43 AA medians 43 Coverage Ratios 43 Mortgage originations 43 Earning Assets #,#,# 43 NASDAQ HFBC 43 CGAAP 43 Thrift Supervision OTS 43 mildly restrictive 43 DDi Corp. Announces 43 Loan Originations 43 F2 + ind 43 depository institution 43 Debt Balances 43 Jobless Claims Drop 43 systemically risky 43 Jobless Claims Jump 43 Sequential Quarterly Statistical 43 Nonperforming loans 43 assets ROA 43 Total nonperforming assets 43 Variable Interest Entity 43 underbanked households 43 BB IDR 43 TRMK 43 Performance Ratios Return 43 Citi Maintains Hold 43 Funds Announce 43 Updates Hedging 43 Keeps Rates 43 Interest Bearing Deposits 43 Ansvar 43 Nasdaq STSA 43 Crisa acquisition 43 Average Balances 43 denotes contraction 43 SF CDOs 43 Nonperforming loans NPLs 43 HDFC MF Declares Dividend 43 Brokered deposits 43 Interest Rate Increases 43 Reduces Debt 43 Period End 43 Specialized REITs industry 43 SBA loan originations 43 THE SUNCOAST NEWS 43 chargeoffs 43 Fully Diluted EPS 43 Holdings Limited LRE 43 Bancorp NASDAQ PCBC 43 Debt Settlement Companies 43 Cascade Nasdaq CACB 43 Mortgage Interest Rates 43 Individual Rating 43 NYSE Arca Equities 43 FHLB advances decreased 43 Inc. Nasdaq MNRK 43 assigned Negative Outlook 43 highly accommodative stance 43 Financial Strength Rating 43 PR1 + 43 Brokered Deposits 43 XLP SPY Relative Strength 43 Maintain Neutral 43 Lifts Quarterly Dividend 43 Foreclosed Assets 43 FFFD 43 Maximum Aggregate 43 RMBS Classes 43 bond indentures 43 DirectTV DTV PriceWatch Alert 43 FCDU loans 43 overcollateralized 43 Top Corporate Philanthropists 43 DCOH 43 MOODY 'S MCO 43 Mortgage Woes 43 Revolving Credit Facilities 43 Convertible Debenture Financing 43 FNB Bancorp 43 Q1 FY# EPS 43 Metris Master Trust 43 Debt Maturities 43 Best Assigns 43 URAC strives 43 UGBUGB 43 HNTE 43 FTE staffing 43 FedFirst Financial Corporation 43 BVPS 43 FFO Per Share 43 Total Deposits 43 Long Term Issuer Default 43 Huntington Bancshares Nasdaq HBAN 43 CapitalSouth 43 EHNAC criteria 43 Unitrin NYSE UTR 43 Nonaccrual loans totaled 43 Stock Upgrades Downgrades 43 Nelnet NNI 43 QGIR 43 Credit Card Consolidation 43 Junk Status 43 KB Home Swings 43 nonaccruing 43 A/A-1 counterparty credit 43 Nationally Recognized Statistical 43 - - [055] 43 obligor diversity 43 Mortgage Rates Drop 43 SDS PriceWatch Alert 43 Disclosure Requirement 43 noninterest expenses 43 Achieves Profitability 43 Positive Momentum 43 LTM EBITDA ratio 43 Northrim BanCorp 43 IDR BB 43 Corporation FMFC 43 BCSB Bankcorp Inc. 43 Conglomerates sector 43 Loan Charge Offs 43 PremierWest 43 Prepays 43 Iberiabank NASDAQ IBKC 43 noncovered loans 43 nonaccruing loans accruing 43 Nonperforming asset 43 Partly nationalized 43 SBA Preferred Lender 43 WORLD FOREX Euro 43 AVERAGE BALANCES 43 Unsecured Convertible Notes 43 Outlook Revised 43 Centrue Financial 43 Per Share Cash Dividend 43 CICA Accounting Guideline 43 AFFO payout ratio 43 Housing Starts Decline 43 Bigger Than Expected 43 Bad Debts 43 Forbearance Agreement 43 USDB Bancorp 43 Inc. OTCPK ONCP 43 Financial Guarantors 43 Delinquent loans 43 noninterest expense totaled 43 Capital Ratios Tangible 43 Fastmarkets liability under 43 LoanCare 43 SCBT Financial 43 FCB Bancorp 43 Interest Rates Remain 43 Second Quarter Highlights 43 FHLBNY 43 Not Meaningful 43 Company Nasdaq FFIC 43 Northwind Holdings 43 AmericanWest Bancorporation 43 Acquired Assets 42 EuroBancshares 42 Macro prudential 42 NRSRO 42 annabelle tometich • atometich@news-press.com 42 Stock Buyback Program 42 Secured Financing 42 Amegy Bancorporation Inc. 42 BankFinancial FSB 42 Builder Confidence 42 Millington Savings 42 BBB counterparty 42 Nasdaq FCNCA 42 prudential 42 FDIC TLGP 42 Nasdaq FISI 42 SouthwestUSA 42 nonGAAP 42 Principal Amount 42 NPREIT 42 Cash Dividends 42 DFI supervises 42 Term Deposits 42 FDIC insures 42 Withdraws Rating 42 NewBridge Bancorp 42 IFSR 42 CCC/RR4 42 Homefurnishing Retail industry 42 DHCOGDHCOG 42 Univest Corporation Declares 42 category medians 42 Payout Ratio 42 noninterest expense 42 AltaPacific Bancorp 42 Factor WARF 42 Third Consecutive Quarter 42 NASDAQ ABCW 42 don ruane • druane@news-press.com 42 NPLs 42 Strength IFS rating 42 net chargeoffs 42 NJCB 42 lines NPW 42 Basel Accord 42 excluding BIBP 42 Its beta coefficient 42 Vena Qualified Person 42 Mortgage Loan Modification 42 Pro forma Adjusted EBITDA 42 Mr. Dellerba 42 Non accruing 42 SNBI 42 Revolving Credit Agreement 42 Dividend Rate 42 Susquehanna Bancshares Inc 42 Kla Tencor KLAC 42 SY Bancorp Inc. 42 Reincorporation 42 securitized loans 42 Tax Equivalent 42 Shareholder Return 42 analyzed tooth enamel 42 BBB + BBB 42 Sierra Snowpack 42 Million Stock Buyback 42 NAFH 42 SY Bancorp 42 Moody's rated 42 PacWest Bancorp 42 Silvergate Bank 42 Equity Investees 42 Stockholder Equity 42 Illiquidity Risk 42 FirstClose TM 42 HOLZMANN • Staff Writer 42 covenant calculations 42 Expands Stock Repurchase 42 Downside Risks 42 Ratings Downgrade 42 Stock Repurchase Program 42 PHILIP MORRIS INTERNATIONAL INC. 42 Uncertainty Remains 42 Zions Bancorporation NASDAQ ZION 42 BAC BAC 42 Core Deposits 42 Quarterly Dividend Payment 42 Inflation Pressures 42 LLC Currency Currents 42 Prepayment speeds 42 FFSX 42 Percentage Ratios 42 Holds Rates 42 annualized ROA 42 Performance Ratios 42 Gross Profit Margins 42 noninterest 42 Excess Reserves 42 Westamerica Bancorporation 42 SBIC leverage 42 systemically important 42 Delinquencies 42 FinCen 42 Subchapter S 42 PFGI Capital Corporation 42 Non Performing 42 CBUAE 42 OCC OTS 42 nonperforming loan 42 FINANCIAL CONDITION 42 ASRV 42 Jobless Claims Rise 42 BNCCORP INC. CONSOLIDATED FINANCIAL 42 Increases Quarterly Distribution 42 JAMES PETERS 42 Assets NPAs 42 Keeps Interest Rate 42 AA lka 42 CONSOL Energy Declares Regular 42 By WENDI WINTERS 42 federally insured depository 42 Florida NASDAQ BOFL 42 OTTI charges 42 Customer Repo 42 Affirms Outstanding 42 Senior Exchangeable Notes 42 Borrowing Base 42 Revenues Decline 42 Weststar Financial 42 DSCRs 42 Omnova Solutions NYSE OMN 42 Asset Coverage Ratio 42 FTSE NAREIT 42 Fiber Optics segment 42 MXN#.# billion [003] 42 PBKS 42 Negative Rating Outlook 42 Less Than Estimated 42 Average Assets ROAA 42 TeamBank 42 IBNK outperforming #.# 42 rediscount rate 42 NASDAQ YAVY 42 was#.# 42 Weyerhaeuser WY #/#/# PriceWatch 42 Non Brokered Financing 42 VEXP 42 strategies KPIs metrics 42 RONW 42 AOGN 42 COF.N 42 optimists outnumber pessimists 42 Mortgage Originations 42 NewMarket NYSE NEU 42 SBLF 42 Coalcorp Provides Updated 42 TSBK 42 BRE Properties BRE 42 Continuing Monthly Distributions 42 BEO Bancorp 42 Approves Dividend 42 Corporation NASDAQ IBOC 42 AMNB 42 BY DAVID CORDERO 42 BlackRock AUM 42 Yield Advantage 42 Changes Ticker Symbol 42 FFDOs must 42 De Minimis 42 ABL Revolver 42 visit http:/www.sovereignbank.com/ 42 Subsidiaries OF NON 42 AmericanWest Bancorp 42 Interest Margin 42 real estate CRE 42 UNITED WESTERN BANCORP 42 Jackass sey di worl 42 Nonaccrual loans 42 REIT Exemption 42 NASDAQ UMBF 42 Obligor 42 Counterparty Risk 42 NA Footnotes