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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.
Teambank, National Association, member of holding company TEAM FINANCIAL, INC. EMPLOYEES' STOCK OWNERSHIP PLAN
as of December-2008
1 SOUTH PEARL STREET PAOLA, KS, 66071
Data Source: IRA Bank Monitor.  Data in thousands unless otherwise noted.  Copyright 2003-2009 Lord, Whalen LLC All Rights Reserved
Historical Performance Table



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

Net Interest Income, YTD
Earning Assets, Total
Net Interest Margin, Current Qtr - Annualized
NIMY, from FDIC 5YR METHOD

Total Deposits
Brokered Deposits
Reciprocal Brokered Deposits
Volatile Liabilities, per FDIC
FHLB Advances

FHLB Advances-to-Assets, percent
Brokered to Total Deposits, percent
FHLB+BRO+VOLIAB 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

December
2008


F
21.4
-0.11
86.4%
4,708

Fail
5.1%
6.4%
4.0%


BB
BB
193.5
98.06
1.83
14.5


$16,143
-33.14%
$26,459
1.6:1
$35,172
5.36%
2.18:1


$669,830
$463,844

$116,757

$20,264
$602,728
3.36%
3.31%

$532,520
$19,599
$0
$102,372
$77,939

11.64%
3.68%
29.84%

$8,975
$26,024
0.34:1
$22,272

$8,975
$14,231
$160
$1,936
$0
$117,327
$169
$3,169
$145,638
21.74%
21.70%
$119,263

$8,556
38,781

September
2008


F
20.7
-0.01
70.6%
4,708

Adequate
10.0%
11.3%
8.4%


BBB
BBB
47.4
91.85
1.77
19.7


$6,283
72.53%
$54,621
8.7:1
$51,057
8.00%
8.13:1


$653,302
$479,936

$120,812

$16,796
$590,737
3.79%
3.64%

$500,854
$30,601
$0
$117,966
$77,961

11.93%
6.11%
34.67%

$1,705
$6,884
0.25:1
$10,366

$1,705
$22,601
$161
$4,452
$0
$29,790
$172
$2,486
$61,034
9.34%
9.30%
$34,242

$6,776
90,735

June
2008


F
20.7
-0.02
69.6%
4,708

Adequate
9.4%
10.7%
7.9%


BBB
A
29.9
88.47
1.77
18.9


$5,644
65.52%
$53,654
9.5:1
$49,997
7.50%
8.86:1


$682,062
$499,670

$124,740

$11,311
$614,007
3.68%
3.63%

$529,425
$30,208
$0
$136,616
$77,972

11.43%
5.71%
35.89%

$746
$6,084
0.12:1
$10,473

$746
$31,806
$163
$273
$0
$20,408
$174
$2,523
$55,756
8.17%
8.14%
$20,681

$12,974
46,876

March
2008


C
2.4
1.25
69.0%
0

Adequate
9.4%
10.6%
7.7%


BBB
A
28.5
83.94
1.54
24.5


$6,376
31.37%
$54,543
8.6:1
$54,790
8.01%
8.59:1


$704,541
$497,816

$124,308

$5,750
$637,976
3.61%
3.66%

$556,437
$33,510
$0
$118,097
$77,994

11.07%
6.02%
32.59%

$355
$2,284
0.16:1
$7,035

$355
$10,387
$0
$751
$0
$10,407
$339
$627
$22,527
3.20%
3.16%
$11,158

$22,530
27,332

December
2007


A+
0.8
9.71
69.6%
0

Adequate
9.7%
10.6%
7.9%


BBB
AA
13.8
60.54
1.64
22.4


$9,019
99.80%
$54,251
6.0:1
$52,934
7.91%
5.87:1


$689,907
$480,896

$135,268

$23,066
$619,666
3.72%
3.95%

$542,777
$33,911
$0
$113,870
$78,005

11.31%
6.25%
32.73%

$664
$543
1.22:1
$5,049

$664
$5,753
$0
$233
$0
$4,435
$192
$601
$11,686
1.69%
1.67%
$4,668

$8,446
70,211

September
2007


A+
0.8
10.68
67.1%
0

Adequate
10.2%
11.2%
8.1%


BBB
AA
13.7
53.19
1.78
20.4


$9,526
77.32%
$52,130
5.5:1
$50,375
8.06%
5.29:1


$645,221
$443,937

$139,621

$17,044
$580,204
3.92%
3.95%

$499,773
$13,807
$0
$102,511
$78,026

12.09%
2.76%
30.12%

$455
$346
1.32:1
$5,012

$455
$3,719
$164
$2,976
$0
$3,923
$272
$613
$11,686
1.81%
1.76%
$6,899

$10,552
54,153

June
2007


A+
0.8
11.74
64.3%
0

Adequate
10.4%
11.4%
8.2%


BBB
AA
14.3
52.88
1.84
23.0


$10,358
51.24%
$52,248
5.0:1
$49,472
8.02%
4.78:1


$635,336
$434,947

$140,595

$11,322
$570,591
3.97%
3.94%

$487,614
$14,500
$0
$107,785
$78,038

12.28%
2.97%
31.53%

$312
$230
1.36:1
$4,973

$312
$9,704
$0
$674
$0
$2,727
$109
$597
$14,014
2.21%
2.19%
$3,401

$12,542
45,624

March
2007


A+
0.8
10.67
65.4%
0

Adequate
10.2%
11.2%
8.0%


BBB
AA
12.8
81.16
1.83
22.1


$10,301
24.70%
$50,926
4.9:1
$49,517
7.99%
4.81:1


$637,851
$431,045

$143,516

$5,536
$576,443
3.84%
3.84%

$491,558
$14,000
$0
$105,588
$78,058

12.24%
2.85%
30.99%

$138
$190
0.73:1
$4,985

$138
$4,705
$0
$1,436
$0
$2,566
$201
$584
$9,429
1.48%
1.45%
$4,002

$9,273
60,294

December
2006


A+
0.8
10.50
66.9%
0

Adequate
10.4%
11.5%
7.8%


BBB
A
19.9
74.82
1.86
16.8


$9,731
94.08%
$49,804
5.1:1
$48,098
7.76%
4.94:1


$636,922
$417,538

$137,852

$21,771
$575,701
3.78%
4.01%

$491,965
$13,300
$0
$99,962
$78,069

12.26%
2.70%
30.04%

$830
$805
1.03:1
$4,907

$830
$2,444
$0
$363
$0
$7,837
$455
$604
$12,078
1.90%
1.84%
$8,200

$8,608
63,558

September
2006


A+
0.8
10.81
66.6%
0

Adequate
9.8%
10.8%
7.9%


BBB
AA
12.2
54.35
2.01
18.2


$9,827
72.21%
$47,782
4.9:1
$45,128
7.68%
4.59:1


$604,824
$401,282

$141,392

$16,142
$545,143
3.95%
4.03%

$464,256
$3,040
$0
$91,034
$78,090

12.91%
0.65%
28.47%

$368
$460
0.80:1
$4,983

$368
$8,717
$0
$2,945
$0
$4,272
$455
$902
$17,204
2.84%
2.78%
$7,217

-
-

June
2006


A+
0.8
10.66
67.7%
0

Adequate
9.7%
10.7%
7.7%


BBB
AA
13.9
51.64
2.12
16.9


$9,708
46.13%
$46,358
4.8:1
$42,399
7.26%
4.37:1


$601,333
$394,925

$141,240

$10,626
$539,035
3.94%
4.00%

$464,569
$40
$0
$91,503
$78,100

12.99%
0.01%
28.21%

$275
$360
0.76:1
$4,942

$275
$4,325
$0
$145
$0
$4,259
$455
$856
$9,860
1.64%
1.58%
$4,404

-
-

March
2006


A+
0.8
9.75
69.2%
0

Adequate
9.9%
11.0%
7.9%


BBB
AA
14.2
60.87
2.10
18.8


$9,580
21.77%
$46,121
4.8:1
$43,811
7.73%
4.57:1


$583,758
$387,615

$143,969

$5,196
$526,739
3.95%
3.95%

$437,774
$40
$0
$85,186
$85,420

14.63%
0.01%
29.23%

$138
$230
0.60:1
$4,870

$138
$4,768
$455
$260
$0
$2,245
$0
$441
$7,852
1.35%
1.28%
$2,505

-
-

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