IRA ONLINE
PRICE LIST

Failed Bank History Report
If you had been a subscriber to the IRA Bank Monitor when would you have known?

This institution did not file a CALL/TFR in the most recent FFIEC reporting cycle.
The most recent data available in our database is shown.
Madisonville State Bank, member of holding company FBOP CORPORATION
as of September-2009
208 WEST MAIN STREET MADISONVILLE, TX, 77864
Data Source: IRA Bank Monitor.  Data in thousands unless otherwise noted.  Copyright 2003-2009 Lord, Whalen LLC All Rights Reserved
Historical Performance from 200909



IRA Bank Stress Benchmarks
Grade
Stress Index Number
ROE, %
Efficiency Ratio
Goodwill Writedowns

Capital Ratios
T1/RWA
RBC/RWA
T1/ASSET

Basel II Benchmarks
Bond Equivalent Defaults, Method 1
B.E.D., Method 2
Default Rate, bp
LGD: Loss Given Default, %
M: Wt. Avg. Maturity, yr
EAD: Exposure At Default, %

Economic Capital Analysis
EC
RAROC, %
Tier 1 RBC
T1RBC to EC Leverage
Bank Tangible Common Equity
Percent of Tangible Assets (TCE Ratio)
TCE to EC Leverage

Regulatory Watch Points
Total Assets
Total Lending
Total Securities

Total Deposits
Brokered Deposits

FHLB Advances
Advances-to-Assets, percent

Gross Defaults, Actual
Provision for Loan Losses, Income Statement
Actual-to-Provision Ratio
Balance Sheet Allowances for Loan Losses

Gross Defaults, Total
30-89 Day Assets, Total
  Guaranteed Portion of 30-89
Over 90 Assets, Total
  Guaranteed Portion of Over 90
Non-Accrual Assets, Total
  Guaranteed Portion of NA
Real Estate Owned (REO)
Total Troubled Assets
Troubled Assets % of Total Assets
   % factored for less 80% GTY Offsets
Non-Conforming Assets, Reported

Off Balance Sheet Derivatives, Notional
Loss Realization Margin to RBC, bp

September
2009


F
21.0
-0.03
49.4%
0

Fail
4.1%
5.7%
2.8%


BB
BBB
68.5
98.55
4.71
0.8


$11,179
25.64%
$7,108
0.6:1
$31,430
12.28%
2.81:1


$256,330
$188,369
$11,094

$224,653
$70,265

$10,305
4.02%

$968
$1,148
0.84:1
$3,211

$968
$1,637
$0
$0
$0
$14,267
$0
$1,857
$18,729
7.31%
7.31%
$14,267

-
-

June
2009


A
1.0
8.30
46.1%
0

Adequate
10.4%
11.8%
8.2%


BB
BB
91.4
98.51
4.69
0.9


$11,716
16.69%
$18,827
1.6:1
$31,220
13.60%
2.66:1


$230,017
$190,894
$9,328

$194,283
$43,335

$10,307
4.48%

$872
$1,148
0.76:1
$3,306

$872
$1,357
$0
$0
$0
$12,650
$0
$2,071
$16,950
7.37%
7.37%
$12,650

-
-

March
2009


A+
0.9
7.41
49.0%
0

Adequate
9.8%
11.1%
7.7%


BBB
A
18.8
94.90
4.79
1.2


$9,492
12.39%
$18,585
2.0:1
$33,175
13.76%
3.50:1


$241,453
$208,056
$7,971

$207,228
$57,938

$10,308
4.27%

$98
$525
0.19:1
$3,449

$98
$7,807
$0
$0
$0
$4,989
$0
$115
$13,009
5.39%
5.39%
$4,989

-
-

December
2008


F
20.5
-0.06
35.9%
0

Adequate
9.6%
10.8%
7.6%


BBB
A
18.1
98.14
4.94
1.9


$12,385
71.08%
$18,533
1.5:1
$33,190
13.60%
2.68:1


$244,411
$208,395
$12,587

$189,830
$42,574

$30,309
12.40%

$377
$600
0.63:1
$3,017

$377
$225
$0
$0
$0
$6,007
$0
$100
$6,709
2.74%
2.74%
$6,007

-
-

September
2008


F
20.5
-0.09
30.6%
0

Adequate
8.9%
10.0%
7.6%


BBB
A
16.4
98.85
4.95
3.4


$15,824
49.50%
$19,362
1.2:1
$27,641
10.88%
1.75:1


$254,436
$210,753
$15,945

$177,691
$34,809

$57,810
22.72%

$260
-
-
$2,530

$260
$465
$0
$0
$0
$3,113
$0
$150
$3,988
1.57%
1.57%
$3,113

-
-

June
2008


A+
0.5
20.77
35.8%
0

Adequate
12.7%
14.0%
10.1%


AA
AAA
2.2
91.30
4.55
5.1


$36,476
12.15%
$26,579
0.7:1
$26,530
10.15%
0.73:1


$261,936
$205,050
$41,875

$168,763
$28,702

$65,812
25.13%

$23
-
-
$2,766

$23
$600
$0
$0
$0
$8
$0
$0
$631
0.24%
0.24%
$8

-
-

March
2008


A+
0.5
20.25
37.8%
0

Adequate
11.7%
13.1%
9.7%


AA
AAA
1.4
85.71
4.43
8.8


$38,208
5.28%
$25,078
0.7:1
$24,767
9.62%
0.65:1


$258,155
$204,110
$43,381

$154,113
$11,801

$43,813
16.97%

$7
-
-
$2,781

$7
$81
$0
$0
$0
$86
$0
$0
$174
0.07%
0.07%
$86

-
-

December
2007


A+
0.7
10.78
48.9%
0

Adequate
13.5%
15.2%
11.2%


AA
AAA
1.9
38.71
2.57
11.5


$38,784
11.79%
$23,824
0.6:1
$24,810
11.68%
0.64:1


$212,923
$159,288
$42,384

$154,690
$14,082

$31,814
14.94%

$31
-
-
$2,787

$31
$330
$0
$0
$0
$12
$0
$0
$373
0.18%
0.18%
$12

-
-

September
2007


A+
0.6
10.34
45.8%
0

Adequate
18.5%
19.8%
15.4%


AA
AAA
1.2
-30.77
2.80
18.7


$10,542
29.71%
$28,352
2.7:1
$28,404
15.52%
2.69:1


$183,538
$139,382
$12,988

$153,711
$15,945

$315
0.17%

$13
-
-
$2,803

$13
$108
$0
$0
$0
$17
$0
$0
$138
0.08%
0.08%
$17

-
-

June
2007


A+
0.6
10.11
47.0%
0

Adequate
19.2%
20.4%
15.3%


AA
AAA
1.7
58.33
3.04
20.4


$2,691
75.69%
$27,536
10.2:1
$27,446
15.34%
10.20:1


$179,500
$137,256
$8,213

$150,847
$16,694

$316
0.18%

$12
-
-
$2,792

$12
$93
$0
$0
$0
$19
$0
$0
$124
0.07%
0.07%
$19

-
-

March
2007


A+
0.6
11.07
45.0%
0

Adequate
19.3%
20.5%
14.9%


AA
AAA
2.1
57.14
3.69
15.7


$2,667
41.32%
$26,891
10.1:1
$26,816
14.93%
10.06:1


$180,128
$131,410
$8,238

$151,612
$17,084

$317
0.18%

$7
-
-
$2,795

$7
$87
$0
$0
$0
$13
$0
$0
$107
0.06%
0.06%
$13

-
-

December
2006


A+
0.5
14.59
36.7%
0

Adequate
18.6%
19.9%
14.7%


AA
AAA
2.1
-57.14
3.87
15.2


$4,651
134.37%
$26,149
5.6:1
$26,038
14.69%
5.60:1


$177,754
$132,409
$8,939

$150,152
$17,268

$319
0.18%

$28
-
-
$2,799

$28
$92
$0
$21
$0
$35
$0
$0
$176
0.10%
0.10%
$56

-
-

All CALL/TFR's file to identical calendars ending Dec-31. Quarterly values reported are cumulative thru the reporting year. Dollar data in thousands unless otherwise noted. Selected rates pre-computed by FDIC are factored according to criteria from the regulatory agency to derive annualized rates. Peering groups are dynamically generated each quarter based the bank unit being examined. See the quarterly for peer listings.
Lord, Whalen LLC dba Institutional Risk Analytics 371 Van Ness Way Suite 110 Torrance, California 90501 310.676.3300