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META FINANCIAL GROUP INC (CASH)

Meta Financial Group, Inc. operates as the holding company for MetaBank and MetaBank West Central that provide a range of financial services in Iowa and South Dakota. The banks engage in generating deposits and originating loans. Its deposit products include passbook savings, money market savings, negotiable order of withdrawal, and checking accounts, as well as certificates of deposit. The banks' loan portfolio comprises one- to four-family residential mortgage, commercial and multifamily real estate, agricultural operating and real estate, construction, consumer, and commercial business loans. Meta Financial Group also offers trust services; issues reloadable, nonreloadable, and benefit cards; and provides automated clearing house services for corporate clients. In addition, MetaBank, through its affiliation with Bill Markve and Associates, offers insurance products, mutual funds, equities, bonds, and annuities. The banks primarily invest in mortgage-backed securities, the U.S. government and agency obligations, and other investments. As of September 30, 2005, the banks operated 18 branches in South Dakota and Iowa. The company was formerly known as First Midwest Financial, Inc. and changed its name to Meta Financial Group, Inc. in January 2005. Meta Financial Group is based in Storm Lake, Iowa.


PVF CAPITAL CORP (PVFC)

PVF Capital Corp. operates as the holding company for Park View Federal Savings Bank, which primarily engages in attracting deposits and originating loans in Ohio. Its deposit products include checking accounts, money market accounts, regular savings accounts, and certificates of deposit. The bank originates various loans, including loans secured by first mortgages on real estate, loans for construction of residential real estate, commercial real estate loans, multifamily residential property loans, and land loans. It also originates loans secured by second mortgages, including home equity lines of credit; and loans secured by savings deposits. The bank primarily invests in various liquid assets, including United States government and United States government sponsored enterprise securities, time deposits at the FHLB of Cincinnati, certificates of deposit or bankers' acceptances at other federally insured depository institutions, and mortgage-backed securities. As of June 30, 2005, the bank operated 17 offices located in Cuyahoga, Summit, Medina, Lorain, Lake, Portage and Geauga Counties in Ohio. The company, through other subsidiaries, engages in the activities of land acquisition and real estate investment. The company was founded in 1920 and is based in Solon, Ohio.


HUDSON CITY BANCORP INC (HCBK)

Hudson City Bancorp, Inc. operates as the holding company for Hudson City Savings Bank, which is a community and customer-oriented retail savings bank. It offers traditional deposit products, residential real estate mortgage loans, and consumer loans. The bank's deposit products include passbook and statement savings accounts, NOW accounts, checking accounts, money market accounts, and time deposits, as well as IRA accounts and qualified retirement plans. Its loan portfolio primarily consists of one- to four-family residential first mortgage loans. The bank also provides consumer and other loans, which primarily consist of fixed-rate second mortgage loans and home equity credit lines. In addition, it purchases mortgages, mortgage-backed securities, securities issued by the U.S. government and agencies, and other investments. As of February 28, the bank had approximately 84 branch offices in New Jersey, as well as one branch office in Suffolk County, New York. The company was founded in 1868 and is based in Paramus, New Jersey.


WASHINGTON FEDERAL INC (WFSL)

Washington Federal, Inc. operates as the holding company for Washington Federal Savings (bank), which provides commercial banking services in Washington. The bank accepts demand deposits, savings accounts, and money market accounts; and certificates of deposit. It also offers single family residential loans, construction loans, land loans, and multi family loans. In addition, the bank provides real estate investment and insurance brokerage activities. It invests in U.S. government and agency securities, securities of state and political subdivisions, and agency mortgage-backed securities. As of September 30, 2005, the bank had 122 offices located in Washington, Oregon, Idaho, Utah, Arizona, Nevada, and Texas. The company was founded in 1917 and is headquartered in Seattle, Washington.


NEW YORK COMMUNITY BANCORP INC (NYB)

New York Community Bancorp, Inc. operates as the holding company for New York Community Bank, which provides multifamily mortgage loans and thrift depository services in the New York metropolitan region. It offers checking and savings products; an array of third-party investment products, including life insurance, annuities, and mutual funds. The bank also provides a portfolio of commercial real estate loans that are primarily secured by mixed-use office buildings and shopping centers, as well as originates loans for the construction and development of one-to-four family homes and residential subdivisions, multifamily buildings, and commercial properties. In addition, the bank primarily consists of commercial lines of credit, home equity loans, and secured and unsecured personal loans. Further, the bank offers various deposit accounts, including NOW and money market accounts, and noninterest-bearing demand deposit accounts. As of June 23, 2005, the bank operated 141 banking offices, in New York City, Long Island, Westchester County, and New Jersey. The company was established in 1859 and is based in Westbury, New York.


QC HOLDINGS INC (QCCO)

QC Holdings, Inc. provides short-term consumer loans or payday loans in the United States. The company also provides other consumer financial products and services, such as check cashing services, title loans, money transfers, and money orders. As of September 27, 2005, it owned and operated 491 stores in 22 states of Alabama, Arizona, California, Colorado, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Nevada, New Mexico, North Carolina, Oklahoma, Oregon, South Carolina, Utah, Virginia, Washington, and Wisconsin. QC Holdings was formed in 1984 and is headquartered in Kansas City, Kansas.


ROMA FINANCIAL CORPORATION (ROMA)

Roma Financial Corporation operates as the holding company for Roma Bank that provides various retail banking services in the United States. The bank primarily engages in generating deposits and originating loans. Its deposit products include checking and savings accounts, certificates of deposit, non-interest-bearing demand deposits, interest-bearing demand deposits, money market accounts, and individual retirement accounts. The bank's lending activities comprise one-to four-family residential mortgage loans, multi-family and commercial mortgage loans, construction loans, commercial business loans, and consumer loans, including home equity loans and lines of credit. It also sells title insurance, performs title searches, and provides real estate settlement and closing services. As of March 31, 2007, the bank operated eight branch offices in Mercer, Burlington, and Ocean Counties, New Jersey, as well as a main office in Robbinsville, New Jersey. The company was founded in 1920 and is headquartered in Robbinsville, New Jersey.


KNBT BANCORP INC (KNBT)

KNBT Bancorp, Inc. operates as the holding company for Keystone Nazareth Bank & Trust Company that provides commercial banking services in Pennsylvania. The bank engages in generating deposits and originating loans. Its deposit products include checking, statement savings, passbook savings, money market, club, and individual retirement accounts, as well as certificates of deposit. The bank's loan portfolio comprises residential mortgage loans, commercial real estate mortgage loans, home equity loans, automobile and recreational vehicle loans, and commercial business lines of credit, as well as letters of credit and term loans. It also provides trust and wealth management services; offers securities brokerage, insurance, and investment advisory products and services; and provides benefits management services with an emphasis on group medical, life, and disability insurance. The bank primarily invests in the U.S. government and agency obligations, corporate securities, municipal obligations, and mortgage-backed securities. It operates 58 branch locations in Lehigh, Northampton, Carbon, Luzerne, Schuylkill, Columbia, and Monroe Counties. KNBT Bancorp was formed in 1925 and is headquartered in Bethlehem, Pennsylvania.


FIRST INDIANA CORPORATION (FINB)

First Indiana Corporation operates as the holding company for First Indiana Bank, N.A., which offers various banking services in central Indiana. It accepts demand, checking, savings, money market deposit accounts, and certificates of deposits. It also originates commercial loans, including business, single-family construction, and commercial real estate loans; consumer loans, including home equity loans and home equity lines of credit; and residential mortgage loans. The bank, through its subsidiaries, offers cash management and trust/investment advisory services through its banking centers. First Indiana's investment portfolio consisted of U.S. government treasuries, agencies, and others; mortgage-backed; and other asset-backed securities. As of December 31, 2004, the bank operated 31 banking centers and 3 loan origination offices. First Indiana Corporation is headquartered in Indianapolis, Indiana.


NORTHEAST COMMUNITY BANCORP INC (NECB)

Northeast Community Bancorp, Inc. operates as the holding company for Northeast Community Bank that offers various financial products to consumers and businesses in its market place. It accepts various deposits, which include interest bearing demand accounts, such as NOW and money market accounts, savings accounts, noninterest bearing demand accounts, and certificates of deposit. The bank's loan portfolio comprises multi-family and mixed-use real estate loans, non-residential real estate loans, equity lines of credit on real estate loans, passbook loans, and consumer loans. As of December 31, 2006, it operated five offices in the New York City and a loan production office in Wellesley, Massachusetts. The bank has its operations in New York, New Jersey, Connecticut, Massachusetts, Rhode Island, southern New Hampshire, southern Maine, and Pennsylvania. The company was founded in 1934 and is headquartered in White Plains, New York.


RIVERVIEW BANCORP INC (RVSB)

Riverview Bancorp, Inc. operates as the bank holding company for Riverview Community Bank (bank). The bank provides community banking services to commercial and retail customers. It attracts deposit products, such as demand deposits, negotiable order of withdrawal accounts, money market accounts, regular savings accounts, certificates of deposit, and retirement savings plans from general public, as well as originates a range of real estate loans, such as one to four family, multifamily, construction one to four family, construction multifamily, construction commercial, land, and commercial real estate loans; commercial loans; and various consumer loans that include automobile loans, savings account loans, home equity loans, and other consumer loans. The company also operates a trust and financial services company, as well as originates mortgage loans, including construction loans for various mortgage companies predominantly in the Portland, Oregon metropolitan areas. As of June 30, 2005, Riverview Bancorp operated 16 branch offices in Camas, Washougal, Stevenson, White Salmon, Battle Ground, Goldendale, Vancouver, and Longview, Washington. The company is based in Vancouver, Washington.


QUEST CAP CORP NEW (QCC)

Quest Capital Corp. provides commercial bridge loans and mortgage financing in Canada. It also provides a range of services, such as rising of capital, consulting, management, and administrative services. The company offers asset backed loans to companies in real estate, manufacturing, and resource sectors; and management and administrative services to public and private companies, primarily in the mining and oil and gas fields. Quest Capital was founded in 1984 and is headquartered in Vancouver, Canada with an additional office in Toronto, Canada.


NORTHWEST BANCORP INC (NWSB)

Northwest Bancorp, Inc. operates as the holding company for Northwest Savings Bank, which offers commercial banking and consumer finance services. The bank accepts checking, savings, money market deposit, term certificate, and individual retirement accounts. It also offers real estate loans, including one- to four-family and multifamily and commercial; commercial business loans; and consumer loans that comprise automobile, home improvement, and education loans, as well as loans on savings accounts. In addition, it offers trust, investment management, actuarial and benefit plan administration, and brokerage services. The company's investment portfolio comprises mortgage-backed securities, investment securities, and cash and cash equivalents. As of June 30, 2005, the bank operated 153 community banking offices in northwest, southwest and central Pennsylvania, western New York, eastern Ohio, and Maryland. The company also operated 47 consumer lending offices in Pennsylvania, and 2 consumer lending offices in New York, as of the same date. The company was founded in 1896 and is headquartered in Warren, Pennsylvania.


FIRST NIAGARA FINANCIAL GROUP INC (FNFG)

First Niagara Financial Group, Inc., through its wholly owned subsidiary, First Niagara Bank (bank), offers various banking and financial services to individuals and businesses in the Upstate New York. It offers consumer and commercial deposit accounts, including savings, negotiable order of withdrawal, business savings and checking, and money market accounts; and certificates of deposits. The bank originates residential and commercial real estate loans; commercial business loans and leases; home equity loans and lines of credit; and consumer loans, including indirect new and used automobile loans, mobile home loans, education loans, and personal secured and unsecured loans. It also offers risk management services, including life, auto, home, long-term care, disability, key person life, and property insurance; and general liability business insurance, including product professional and umbrella policies. The bank provides claims investigation and adjusting services, third party administration of self insured workers' compensation plans, and alternative risk management and self-insurance consulting services. It also offers wealth management services, including sale of stocks, bonds, mutual funds, annuities, and other investment products, including individual retirement accounts, education savings plans, and retirement plans, as well as offers investment advisory, trust, pension, custody, and cash management services. In addition, the bank through its subsidiaries, invests in real estate limited partnerships, as well as owns a multitenant retail shopping plaza. It invests in U.S. Government and agency securities, municipal bonds, corporate debt obligations, mortgage-backed and asset-backed securities, and corporate equity securities. As of December 31, 2004, the bank operated through 115 branches, 3 loan production offices, and 155 automated teller machines in 24 counties. The company was organized in 1870 and is based in Lockport, New York.


DIME COMMUNITY BANCSHARES INC (DCOM)

Dime Community Bancshares, Inc. operates as the holding company for Dime Savings Bank of Williamsburgh (bank), which offers various retail banking and financial services. It offers savings, money market, checking, NOW and Super NOW accounts, and certificates of deposits, as well as originates mortgage loans secured by multifamily residential apartment buildings; commercial properties; real estate construction and land acquisition; one- to four-family residences, including condominiums and cooperative apartments; passbook loans; student loans; consumer installment loans; overdraft loans; and mortgagor advances. In addition, the bank invests in mortgage-backed securities, obligations of the U.S. Government and government sponsored entities, and corporate debt and equity securities. As of December 31, 2004, it operated 20 full-service retail banking offices in Brooklyn, Queens, and the Bronx, and in Nassau County, New York. Dime Community Bancshares is headquartered in Brooklyn, New York.


COLUMBIA BANKING SYSTEM INC (COLB)

Columbia Banking System, Inc. (CBSI) operates as the holding for Columbia State Bank and Bank of Astoria, which provide various banking services primarily in western Washington and the northern Oregon coastal area. The company offers commercial and retail banking, and real estate lending services to small and medium-sized businesses, professionals, and other individuals. Its deposit products include interest and noninterest bearing demand deposit accounts, money market accounts, checking accounts, savings accounts, and certificates of deposit. CBSI originates commercial business and real estate loans, consumer loans, and real estate construction loans. Its consumer loans include automobile loans, boat and recreational vehicle financing, home equity and home improvement loans, and other personal loans. CBSI also offers commercial and industrial lending, private banking, cash management, and international, merchant, and investment services. Its international banking products and services include foreign trade financing, foreign currency exchange, documentary collections, foreign currency banknotes, foreign wire transfers, foreign currency drafts, foreign cash letters, import/export commercial letters of credit, time credits, and standby letters of credit. CBSI's investment services offers various products, such as variable annuities, mutual funds, stocks and bonds, individual retirement accounts, retirement and education planning, tax-favored investments, pension and 401(k) services, commercial paper, treasury securities, the U.S. government securities, and unit investment trusts. In addition, the company provides online banking and mortgage banking services. It primarily invests in mortgage-backed securities, collateralized mortgage obligations, state and municipal securities, and the U.S. government agency securities. As of December 31, 2004, the company had 39 branch offices. CBSI is headquartered in Tacoma, Washington.


BOFI HOLDING INC (BOFI)

BofI Holding, Inc. operates as the holding company for Bank of Internet USA, which operates as a savings bank primarily through the Internet in the United States. The bank's deposits primarily include interest bearing deposits, such as interest bearing and noninterest bearing; savings accounts; and time deposits. Its loan products include first mortgage loans secured by single family and multifamily properties, and commercial properties. The bank also provides home equity financing and unsecured consumer loans. In addition, Bank of Internet USA offers online bill payment, online check imaging, ATM cards or VISA check cards, and overdraft protection services. The bank primarily invests in mortgage backed securities that consist of investment grade mortgage pass through securities issued by government sponsored entities; investment grade fixed income securities, consisting of federal agency securities; and FDIC-insured financial institutions. The bank's main office and branch are located in San Diego, California. BofI was incorporated in 1999. It was formerly known as BofI.com Holding, Inc. and changed its name to BofI Holding, Inc. in 2003. The company is based in San Diego, California.


INVESTORS BANCORP INC (ISBC)

Investors Bancorp, Inc. operates as the holding company for Investors Savings Bank that provides various banking services in the United States. It generates deposits and originates loans. The company's deposit products include savings accounts, checking accounts, money market accounts, certificates of deposit, interest-bearing checking accounts, and time deposit accounts. It provides commercial real estate, construction, and multi-family loans; and consumer loans, including home equity loans and home equity lines of credit, as well as mortgage loans secured by one- to four-family residential real estate. As of June 30, 2007, Investors Bancorp operated 46 branch offices located in Essex, Hunterdon, Middlesex, Monmouth, Morris, Ocean, Somerset, and Union counties, New Jersey. The company was founded in 1926 and is headquartered in Short Hills, New Jersey.


CLIFTON SAVINGS BANCORP INC (CSBK)

Clifton Savings Bancorp, Inc. operates as the holding company for Clifton Savings Bank, S.L.A. that offers financial services to consumers and businesses primarily in northern New Jersey. It offers checking accounts, NOW accounts, money market accounts, passbook and statement savings accounts, club accounts, and certificates of deposit. The bank's loan portfolio consists primarily of one-to four-family mortgage loans, multifamily and commercial real estate, residential construction loans, second mortgage loans, loans secured by passbook or certificate accounts, and home equity lines of credit. The bank invests primarily in federal agency debt securities and mortgage-backed securities. As of March 31, 2005, it operated nine branches. The company was founded in 1928 and is headquartered in Clifton, New Jersey.


FLUSHING FINANCIAL CORPORATION (FFIC)

Flushing Financial Corporation operates as the holding company for Flushing Savings Bank, FSB (bank), which offers various banking and financial services in the United States. Its deposit products include passbook, money market, demand, and NOW accounts, and certificates of deposit. The bank's loan portfolio consists primarily of mortgage loans secured by multifamily residential, commercial real estate, one-to-four family mixed-use property, and one-to-four family residential property; construction loans; small business administration loans; and consumer loans, including passbook loans and overdraft lines of credit. The bank also offers credit cards to its customers through a third party financial institution. As of December 31, 2004, it operated 10 full-service banking offices, 6 of which were located in Queens County, 2 in Nassau County, 1 in Kings County (Brooklyn), and 1 in New York County (Manhattan), New York. In addition, Flushing Financial invests primarily in U.S. government, mortgage-backed, and corporate securities. The company was organized 1929 and is headquartered in Lake Success, New York.


FOX CHASE BANCORP INC (FXCB)

Fox Chase Bancorp, Inc. operates as the holding company for Fox Chase Bank that provides financial services to consumers and businesses. Its deposit products include checking accounts, NOW and money market accounts, savings accounts, club accounts, sweep accounts, and certificates of deposits. The company also provides one- to four-family residential real estate loans, multi-family and commercial real estate loans, construction loans, and commercial business loans to professionals, sole proprietorships, and small businesses, as well as consumer loans, including home equity loans and lines of credit, loans secured by certificate of deposits, automobile loans, and unsecured overdraft lines of credit. As of March 31, 2007, it operated 11 branches in Philadelphia, Richboro, Willow Grove, Warminster, Lahaska, Hatboro, Media, and Exton, Pennsylvania; and Ocean City, Marmora, and Egg Harbor Township, New Jersey. The company was founded in 1867 and is headquartered in Hatboro, Pennsylvania.


BANK MUTUAL CORPORATION (BKMU)

Bank Mutual Corporation operates as the holding company for the Bank Mutual, a federal savings bank, which provides various financial services primarily in the state of Wisconsin. The bank offers a range of deposit products, including regular savings accounts, interest-bearing demand accounts, noninterest-bearing demand accounts, money market accounts, time deposits, and IRA time deposit accounts. It originates mortgage loans, consumer loans, commercial real estate loans, and commercial business loans. Bank Mutual's primary lending activity includes the origination and purchases of first mortgage loans secured by one- to four-family properties. The bank's consumer loan products include home equity loans, home equity lines of credit, home improvement loans, automobile loans, recreational vehicle loans, marine loans, deposit account loans, overdraft protection lines of credit, unsecured consumer loans, unsecured consumer loans through the Visa credit card programs, and federally guaranteed student loans. Its commercial loan portfolio consists of loans to businesses for equipment purchases, working capital lines of credit, debt refinancing, small business administration loans, and domestic stand-by letters of credit. In addition, Bank Mutual provides investment, brokerage, and insurance services, as well as engages in the development and sale of land. The bank's investment services include tax deferred and tax free investments, mutual funds, and government securities. It also offers personal insurance, business insurance, life and disability insurance, and mortgage protection products. Bank Mutual invests primarily in mutual funds, the United States government and federal agency obligations, corporate issue securities, stock in federal agencies, and mortgage-related securities. The bank had 70 banking offices located in 28 counties in Wisconsin, in addition to a Minnesota bank office, as of February 25, 2005. Bank Mutual Corporation is based in Milwaukee, Wisconsin.


HARRINGTON WEST FINANCIAL GROUP INC (HWFG)

Harrington West Financial Group, Inc. operates as the holding company for Los Padres Bank, FSB (bank). The bank provides a range of financial services to individuals and small to medium sized businesses. It offers an array of deposit products, including passbook accounts, negotiable order of withdrawal and demand deposit accounts, money market deposit accounts, fixed-rate, fixed-maturity retail certificates of deposit, and individual retirement accounts, as well as provides various lending products, such as single-family residential, multifamily residential, consumer, and commercial real estate loans. As of June 30, 2005, the bank operated 11 Los Padres banking offices on the California Central Coast; 2 Los Padres banking offices in Scottsdale, Arizona; and 2 banking offices located in the Kansas City metropolitan area. The company also invests in a portfolio of mortgage-backed and related securities, interest rate contracts, U.S. Government agency securities, asset-backed securities, corporate securities, and equity securities. Harrington West was founded in 1983 and is headquartered in Solvang, California.


PROVIDENT NEW YORK BANCORP (PBNY)

Provident New York Bancorp operates as the holding company for Provident Bank, which provides financial services to businesses and individuals as a savings association. The banks lending activities include originating commercial real estate loans; one-to four-family residential real estate loans; real estate loans secured by first liens on commercial real estate; secured and unsecured commercial loans for the purpose of financing equipment acquisition, expansion, working capital, and other general business purposes. It also originates land acquisition, development, and construction loans to builders; consumer and other loans, including homeowner loans, home equity lines of credit, new and used automobile loans, and fixed-rate installment loans and variable lines of credit; personal loans and loans secured by new or used automobiles. The bank's deposit accounts include savings accounts, NOW accounts, checking accounts, money market accounts, club accounts, certificate of deposits, IRAs, commercial checking accounts for businesses, and other qualified plan accounts. It also accepts municipal deposits and invests funds obtained into investment securities. The bank invests in debt securities issued by the U.S. government and the U.S. agencies, corporate and municipal bonds, corporate debt obligations, preferred and common stock of government agencies and government sponsored enterprises, equity securities, mortgage-backed securities, federal agency obligations, and state and municipal securities. As of September 30, 2005, it operated 35 branches in the Rockland, Orange, contiguous Ulster, Putnam, and Sullivan Counties in New York; and Lodi, New Jersey. Provident New York Bancorp was formerly known as Provident Bancorp, Inc. and changed its name to Provident New York Bancorp in June 2005. The company was founded in 1888 and is headquartered in Montebello, New York.


PROVIDENT FINANCIAL SERVICES (PFS)

Provident Financial Services, Inc. (PFSI) operates as the holding for The Provident Bank, which provides banking services to individual and corporate customers in New Jersey. The bank offers various deposits products, including savings accounts, checking accounts, interest-bearing checking accounts, money market deposit accounts, and certificate of deposit accounts, as well as individual retirement accounts and KEOGH accounts. It originates commercial real estate loans, residential mortgage loans, construction loans, commercial business loans, and consumer loans. Provident Bank primarily engages in the origination of fixed-rate and adjustable-rate mortgage loans. Its consumer loans include home equity loans and home equity lines of credit, marine loans, and loans on motorcycles, recreational vehicles, and personal loans. The bank offers commercial loans for equipment purchases, lines of credit or letters of credit, and loans where the borrower is the sole occupant of the property, as well as underwrites small business administration guaranteed loans, and guaranteed or assisted loans through various state, county, and municipal programs. It also offers cash management services, payroll origination service, escrow account management, and business cards. In addition, Provident Bank offers trust and financial management services, which include wealth management services, such as investment management and investment advisory accounts, as well as custody accounts. It also serves as trustee for living and testamentary trusts; conducts nondeposit investment product and insurance sales; and provides online banking and bill pay services. The bank invests in mortgage-backed securities, the U.S. treasury and agency obligations, the U.S. agency and privately issued collateralized mortgage obligations, corporate debt obligations, and equities. As of December 31, 2004, the bank operated a network of 78 branch offices. PFSI is headquartered in Jersey City, New Jersey.


WAUWATOSA HOLDINGS INC (WAUW)

Wauwatosa Holdings, Inc. operates as the holding company for Wauwatosa Savings Bank, which offers general banking services in Wisconsin. The bank engages in generating deposits and originating loans. Its deposit products include demand deposits, checking accounts, savings deposits, NOW accounts, money market accounts, and certificates of deposit. The bank's loan portfolio comprises one-to four-family residential mortgage loans, over four-family real estate loans, commercial real estate loans, and residential construction loans. As of December 31, 2006, the bank operated 8 offices in Wisconsin; and 9 automated teller machines (ATM), including 4 stand-alone ATM facilities located in Milwaukee, Washington, and Waukesha Counties, Wisconsin. The company was founded in 1921 and is based in Wauwatosa, Wisconsin. Wauwatosa Holdings, Inc. is a subsidiary of Lamplighter Financial, MHC.


ANCHOR BANCORP WISCONSIN INC (ABCW)

Anchor Bancorp Wisconsin, Inc. operates as the holding company for AnchorBank, fsb that provides a range of financial services to individual customers in Wisconsin, as well as in the contiguous counties of Iowa, Minnesota, and Illinois. Its deposit products include passbook savings accounts, demand accounts, interest bearing checking accounts, money market deposit accounts, and certificates of deposit. The bank originates single-family residential loans secured by properties. It also originates commercial real estate, multifamily, construction, consumer, and commercial business loans secured by properties and assets. In addition, the bank offers student loans, credit cards, annuities, and related consumer financial services. The bank, through its subsidiary, offers investments, and credit life and disability insurance to its customers and other members of the general public. Anchor Bancorp Wisconsin, through its subsidiary, Investment Directions, Inc., invests in real estate partnerships. It invests primarily in the U.S. government and federal agency obligations, mutual funds, and corporate stocks. As of March 31, 2005, the bank operated through its main office and 56 full-service offices, and 2 loan origination offices. The company was founded in 1919 and is headquartered in Madison, Wisconsin.


CAPITOL FEDERAL FINANCIAL (CFFN)

Capitol Federal Financial operates as the holding company for Capitol Federal Savings Bank, which offers a line of banking services in the Kansas. The bank's principal business consists of attracting deposits from the general public and investing those funds primarily in permanent loans secured by first mortgages on owner-occupied, one- to four-family residences. Its deposit products include checking, savings, money market accounts, certificates of deposit, and retirement accounts. The bank also originates consumer loans, loans secured by first mortgages on nonowner occupied one- to four-family residences, permanent and construction loans secured by commercial real estate, and multifamily real estate loans. In addition, Capitol Federal Savings purchases one- to four-family residential mortgage loans from nationwide lenders and correspondent lenders located within its Kansas City and Wichita market areas. The bank operates through a network of 37 branches. It serves primarily the metropolitan areas of Topeka, Wichita, Lawrence, Manhattan, Emporia, and Salina, as well as a portion of the metropolitan area of greater Kansas City. Capitol Federal Financial was founded in 1893 and is headquartered in Topeka, Kansas.


HOME FEDERAL BANCORP (HOMF)

Home Federal Bancorp operates as the holding company for HomeFederal Bank that provides consumer and commercial community banking services in Indiana. The bank engages in generating deposits and originating loans. Its deposit products include checking, savings, negotiable order of withdrawal, commercial and demand deposit, and individual retirement accounts, as well as certificates of deposit. The bank's loan portfolio comprises residential and commercial real estate, consumer, and commercial loans. It also provides various financial services, including securities brokerage services, trust services, debit cards, and business credit cards; and sells annuity and life insurance products. In addition, the bank offers online banking and telephone banking services, and automated teller machine facilities. Its investment portfolio primarily includes mortgage-backed securities, collateralized mortgage obligations, the U.S. Treasury obligations, the U.S. Government agency obligations, and municipal bonds. As of June 30, 2005, the bank operated 19 branches in the south-central portions of the State of Indiana. The company was formed in 1908 and is based in Columbus, Indiana.


BANKFINANCIAL CORPORATION (BFIN)

BankFinancial Corporation was formed to become a holding company of BankFinancial, F.S.B. (BFSB). BFSB provides financial services to individuals, families, and businesses through its 16 banking offices, located in Cook, DuPage, Lake, and Will Counties, Illinois. BFSB accepts deposits from the general public and invests those deposits, together with funds generated from operations and borrowings in multifamily mortgage loans; nonresidential real estate loans; commercial and construction loans; and commercial leases, as well as one- to four-family residential mortgage loans; and in agency securities and mortgage-backed securities. In addition, it sells annuities and securities through its Wealth Management Group; and sells title insurance; property and casualty insurance; and other insurance products through its wholly owned subsidiary, Financial Assurance Services. The company was incorporated in 2004 and is based in Burr Ridge, Illinois.


ESB FINANCIAL CORPORATION (ESBF)

ESB Financial Corporation operates as the thrift holding company for ESB Bank that provides an array of retail and commercial financial products and services in western Pennsylvania. The bank offers various deposit services, such as regular savings, checking, money market accounts, NOW accounts, and certificate accounts. It provides various loans, such as single-family residential loans, multifamily residential mortgage loans, construction loans, commercial real estate loans, commercial business loans, and consumer loans. ESB Bank invests in the U.S. treasury obligations and securities of various federal agencies, certificates of deposit at insured banks and savings institutions, commercial paper, corporate debt securities, mutual funds, and federal funds. The bank primarily operates in Allegheny, Butler, Beaver, and Lawrence counties in western Pennsylvania. As of June 30, 2005, it operated 23 banking branches and 1 loan production office. ESB Financial is headquartered in Ellwood City, Pennsylvania.


VALLEY FINANCIAL CORPORATION (VYFC)

Valley Financial Corporation operates as the holding company for Valley Bank that provides general commercial banking services to small-to-medium sized businesses, professional concerns, and individuals in the Roanoke metropolitan statistical area. The company primarily engages in generating deposits and originating loans. Its deposit products include checking accounts, NOW accounts, savings accounts, individual retirement accounts, and other time deposits, such as daily money market accounts and longer-term certificates of deposit. The company's loan portfolio comprises of commercial loans, residential real estate loans, construction and development loans, and consumer loans. Valley Financial Corporation also provides safe deposit boxes, traveler's checks, direct deposit of payroll, social security checks, automatic drafts for various accounts, and cash management services, including repurchase agreements, merchant purchases, and management programs. In addition, the company offers nondeposit investment products and insurance products; and VISA and MasterCard credit card services, and debit-check cards. As of March 31, 2007, it operated eight branch locations in the cities of Roanoke and Salem, town of Vinton, and the county of Roanoke. The company was incorporated in 1994 and is based in S.W. Roanoke, Virginia.


FIRST CLOVER LEAF FINANCIAL CORP (FCLF)

First Clover Leaf Financial Corp. operates as the holding company for First Clover Leaf Bank, which provides various banking services in Illinois. It offers demand and interest-bearing deposits; and NOW, money market, savings, and term certificate accounts. The bank's loan portfolio comprises one-to four-family residential mortgage loans, commercial real estate loans, multifamily mortgage loans, construction and land loans, commercial business loans, and consumer loans. It also sells credit life and disability insurance policies. As of December 31, 2006, the bank operated four branch offices in Edwardsville, Illinois. The company was founded in 1921 and is headquartered in Edwardsville, Illinois.


AMERICAN BANCORP OF NEW JERSEY INC (ABNJ)

American Bancorp of New Jersey, Inc. operates as the holding company for American Bank of New Jersey (bank) that provides banking services in New Jersey. The bank accepts checking, savings, money market, club accounts, certificates of deposit accounts, and individual retirement accounts. It offers one-to four-family residential mortgage loans, home equity loans and lines of credit, multi-family and non-residential mortgage loans, and business and consumer loans. The bank conducts its business from its main office in Bloomfield, New Jersey; and two branch offices located in Cedar Grove and Verona, New Jersey. The company, through its other subsidiary, ASB Investment Corp., sells insurance and investment products, including annuities. American Bancorp of New Jersey was founded in 1919 and is headquartered in Bloomfield, New Jersey.


FIRST FINANCIAL HOLDINGS INC (FFCH)

First Financial Holdings, Inc. offers banking and other related financial services to consumer and commercial customers. It operates in two segments, Banking and Insurance. The Banking segment engages in general banking business focusing on mortgage, consumer, and commercial lending to small and middle market businesses and consumers markets. It offers various deposit accounts, including noninterest bearing checking accounts, interest-bearing checking accounts, savings accounts, money market accounts, individual retirement accounts, and certificate accounts. The company also offers construction, consumer, nonresidential mortgage, and commercial business loans to businesses and consumers. The Insurance segment engages in full service brokerage activities; property, casualty, life, and health insurance; third party administrative services; trust and fiduciary services; reinsurance of private mortgage insurance; finance activities; and investment activities. Its investment portfolio includes mortgage-backed securities, U.S. government and agency obligations, money market obligations, and corporate obligations. It also offers online banking, credit cards, telebanker, safe deposit box, automatic cash reserve, check card, ATM cards, and repossessions services. As of September 30, 2005, the bank operated 38 full service retail branch sales offices, nine in-store retail branch sales offices, and three limited service branches located in the Charleston, Berkeley, Dorchester, Beaufort, Georgetown, Horry, Florence, and Brunswick counties in North Carolina and South Carolina. The company was incorporated in 1987 and is headquartered in Charleston, South Carolina.


CITIZENS SOUTH BANKING CORPORATION (CSBC)

Citizens South Banking Corporation operates as the holding company for Citizens South Bank that provides commercial banking services in North Carolina. The bank engages in generating deposits and originating loans. Its deposit products include checking accounts, money market deposit accounts, savings accounts, demand and time deposit accounts, individual retirement accounts, and term certificate accounts. The bank's loan portfolio comprises residential and nonresidential real estate loans, construction loans, commercial business loans, and consumer loans. Citizens South Bank also acts as a broker in both the origination of loans secured by one-to-four family dwellings and in the sale of uninsured financial products. It primarily invests in the obligations of the U.S. government agencies, municipal securities, mortgage-backed securities, and corporate bonds. As of June 30, 2005, the bank operated 11 branches in Gaston, Rowan, and Iredell counties in North Carolina. The company was formed in 1904 and is based in Gastonia, North Carolina.


ASTORIA FINANCIAL CORPORATION (AF)

Astoria Financial Corporation operates as the holding company for Astoria Federal Savings and Loan Association, which offers commercial banking services. It accepts passbook and statement savings, NOW, money market, and demand deposit accounts, as well as certificates of deposits. Its loan portfolio consists of mortgage loans, mortgage-backed securities, commercial real estate loans, construction loans, and consumer and other loans. The company through another subsidiary, AF Insurance Agency, Inc. provides life insurance, and property and casualty insurance. Its investment portfolio comprises of U.S. government, government agency, and government-sponsored enterprise securities. As of December 31, 2004, it operated 86 full-service banking offices in Queens, Brooklyn, Nassau, Suffolk, and Westchester counties in the New York metropolitan area. The company was founded in 1888 and is headquartered in Lake Success, New York.


ROME BANCORP INC (ROME)

Rome Bancorp, Inc., through its principal subsidiary, Rome Savings Bank (bank), offers various retail banking services. It offers regular savings deposits, including passbook and statement savings accounts; interest-bearing and noninterest-bearing demand accounts; money market accounts; and time deposits. The bank also originates real estate mortgage loans; residential mortgage loans, including one-to-four family mortgages; commercial loans, including business installment loans, lines of credit, and other commercial loans; commercial real estate loans, including construction loans; guaranteed student loans; and consumer loans, including property improvement loans, such as home equity loans and home equity lines of credit, and used automobile loans. In addition, it invests in U.S. Government and government agencies, municipal securities, and mortgage-backed securities. As of December 31, 2004, the bank operated three branch offices in Oneida County, New York. The company was founded in 1851 and is based in Rome, New York.


NEW HAMPSHIRE THRIFT BANCSHARES INC (NHTB)

New Hampshire Thrift Bancshares, Inc. operates as the holding company for Lake Sunapee Bank, fsb that provides banking and other financial services in central and western New Hampshire. The bank's deposit services consist of business checking, money market accounts, savings, NOW, and certificate accounts. Its lending services include residential, consumer, commercial, municipal, and home equity loans. The bank, through its subsidiary, The Lake Sunapee Financial Services Corporation, sells brokerage, securities, and insurance products. The bank primarily invests in the United States treasury obligations, securities of various federal agencies, mortgage backed securities, bonds and debentures, and equity securities. As of June 30, 2005, it operated 17 branches in Claremont, Enfield, Peterborough, Grafton, Sullivan, and Merrimack, New Hampshire. The company was formed in 1868 and is headquartered in Newport, New Hampshire.


NASB FINANCIAL INC (NASB)

NASB Financial, Inc. operates as the holding company for North American Savings Bank, F.S.B. that provides various financial services. Its deposit products include demand deposit accounts, savings accounts, money market demand accounts, certificates of deposit, and brokered accounts. The bank offers lending services, including mortgage, commercial real estate, consumer, residential, and consumer loans. It also provides investment services. The Bank operates in the counties of Jackson, Cass, Clay, Buchanan, Andrew, Platte, and Ray in Missouri; and Johnson and Wyandotte counties in Kansas. As of September 30, 2005, the bank operated eight customer deposit offices in Missouri. NASB Financial was founded in 1927 and is headquartered in Grandview, Missouri.


PARKVALE FINANCIAL CORPORATION (PVSA)

Parkvale Financial Corporation operates as the holding company for Parkvale Savings Bank, which provides banking services in the greater Pittsburgh metropolitan area. The bank engages in generating deposits and originating loans. Its deposit products include passbook and statement savings accounts, including commercial checking accounts, noninsured sweep accounts, checking accounts, money market accounts, certificates of deposits, IRA certificates, and jumbo certificates of deposit. The bank offers consumer loans, including home equity loans, home equity and personal lines of credit, student loans, personal loans, deposit loans, home improvement loans, and automobile and risk-based loans, as well as residential one-to-four family and multifamily mortgage loans. It primarily invests in U.S. Government and agency obligations, municipal obligations, corporate debt, mortgage-backed securities, and equity securities. As of September 30, 2005, it operated 46 offices, of which 39 were located in Allegheny, Beaver, Butler, Fayette, Washington, and Westmoreland Counties of Pennsylvania; 2 in West Virginia; and 5 offices in Ohio. The company was formed in 1943 and is based in Monroeville, Pennsylvania.


HF FINANCIAL CORP (HFFC)

HF Financial Corp. operates as the holding company for Home Federal Bank, which provides consumer and commercial business banking services in South Dakota, Minnesota, and Iowa. The bank primarily engages in generating deposits and originating loans. Its deposit products include statement savings accounts, checking accounts, and money market and certificate accounts. The bank originates various loans, including business banking loans, commercial and agricultural loans, one- to four-family residential mortgages, as well as offers consumer loans, including loans for automobile purchases, home equity and home improvement loans, and student loans. It primarily invests in mortgage-backed securities and the U.S. government and agency obligations. The bank, through its wholly owned subsidiaries, offers annuities, mutual funds, life insurance, and other financial products; and equipment leasing services. As of June 30, 2005, the bank operated 34 banking centers located in eastern and central South Dakota; and 1 branch located in Marshall, Minnesota. The company was founded in 1929 and is based in Sioux Falls, South Dakota.


NEW ENGLAND BANCSHARES INC (NEBS)

New England Bancshares, Inc. operates as the holding company for Enfield Federal Savings and Loan Association. Its deposit products include checking accounts, NOW accounts, money market accounts, passbook and savings accounts, and certificates of deposit. The company's loan portfolio comprises one-to four-family loans; home equity loans and lines of credit; multi-family and commercial real estate loans; land loans to contractors and developers; construction loans; commercial loans, including term loans, revolving lines of credit, and small business administration guaranteed loans; and consumer loans. New England Bancshares also offers various nondeposit investment products, including mutual funds; debt, equity, and government securities; retirement accounts; insurance products; and fixed and variable annuities. It operates through its branch offices in Broad Brook, East Windsor, Manchester, Ellington, Suffield, Windsor Locks, and Enfield in Connecticut. The company was incorporated in 1916 and is based in Enfield, Connecticut.


BROOKLINE BANCORP INC (BRKL)

Brookline Bancorp, Inc. operates as the holding company for Brookline Bank that offers a range of banking services in Brookline, Newton, West Roxbury, and surrounding communities in Massachusetts. The bank offers various deposit accounts comprising noninterest-bearing checking accounts and interest-bearing NOW accounts, savings accounts, money market savings accounts, certificate of deposit accounts, individual retirement accounts, and other qualified plan accounts. Its loan portfolio consists primarily of first mortgage loans secured by multifamily, commercial, and one-to-four family residential real estate properties; and indirect automobile loans. The bank also provides financing for construction and development projects, commercial lines of credit primarily to condominium associations, home equity and second mortgage loans, and other consumer loans. In addition, it purchases participations in commercial loans to national companies and organizations originated and serviced primarily by money center banks. The bank invests in the U.S. Government-sponsored enterprises securities, municipal obligations, corporate obligations, collateralized mortgage obligations issued by the U.S. government-sponsored enterprises, mortgage-backed securities, and other marketable equity securities. As of December 31, 2004, Brookline Bank operated eight banking offices. In addition, the bank also buys, sells, and holds investment securities. Brookline Bancorp was founded in 1871 and is based in Brookline, Massachusetts.


SI FINANCIAL GROUP INC (SIFI)

SI Financial Group, Inc. operates as the holding company for Savings Institute Bank and Trust Company that provides commercial banking services in Connecticut. The bank engages in generating deposits and generating loans. Its deposit products include demand accounts, negotiable order of withdrawal accounts, money market accounts, savings accounts, and certificates of deposit, as well as commercial checking and sweep accounts. The bank's loan portfolio comprises one- to four-family residential mortgage loans, multifamily and commercial real estate loans, and commercial business loans, as well as construction and consumer loans. Savings Institute Bank also provides insurance, trust, and investment services. The bank offers a range of nondeposit investment products, including mutual funds, debt, equity and government securities, retirement accounts, insurance products, and fixed and variable annuities. Savings Institute Bank primarily invests in the U.S. treasury obligations, securities of federal agencies, state and municipal governments, corporate debt securities, and mortgage-backed securities. As of September 30, 2005, the bank operated 16 offices in eastern Connecticut. The company was founded in 1842 and is headquartered in Willimantic, Connecticut. SI Financial Group, Inc. is a subsidiary of SI Bancorp, MHC.


PAMRAPO BANCORP INC (PBCI)

Pamrapo Bancorp, Inc. operates as the holding company for the Pamrapo Savings Bank, S.L.A, which provides various banking services in New Jersey. The bank offers a range of deposit accounts, which consist of regular savings accounts, noninterest bearing demand accounts, negotiable order of withdrawal (NOW) and super NOW accounts, money market accounts, and certificate accounts. It provides residential mortgage loans, commercial real estate loans, commercial loans, and consumer loans. Pamrapo Savings Bank originates first mortgage loans, equity loans, second mortgage loans, and improvement loans secured by one- to four-family residences, multifamily residences, and commercial real estate. In addition, the bank originates loans to finance the construction of one- to four-family dwellings, multifamily dwellings, and commercial real estate. It also originates loans for the acquisition and development of unimproved property to be used primarily for residential purposes. Pamrapo Savings Bank offers various secured and unsecured consumer loan products, such as automobile loans, personal loans, and passbook loans. The bank also provides financial planning and online banking services, as well as markets products, such as annuities, life insurance, mutual funds, and other equity securities. It invests primarily in mutual funds, equity securities, subordinated notes, mortgage-backed securities, and trust originated preferred securities. The bank operated through 10 retail banking offices located in Bayonne, Hoboken, Fort Lee, and Monroe, New Jersey, as of December 31, 2004. The company was founded in 1886 and is based in Bayonne, New Jersey.


FIRST SECURITY GROUP INC (FSGI)

First Security Group, Inc. operates as the holding company for FSGBank, which offers banking and financial products and services for communities in eastern and middle Tennessee and northern Georgia. It offers deposit services, including checking, savings, money market accounts, and certificates of deposit. The bank's loan portfolio consists of commercial leases, commercial loans, real estate mortgage and construction loans, and consumer loans. It also offers various products and services, such as Internet banking, ACH transactions, wire transfers, direct deposit, traveler's checks, safe deposit boxes, and the United States savings bonds. In addition, the company also provides trust and investment management, mortgage banking, asset-based lending, and financial planning services, as well as equipment leasing. As of December 31, 2006, it operated 38 full-service banking-offices and 3 loan and lease production offices in market areas of Bradley, Hamilton, Jackson, Jefferson, Knox, Loudon, McMinn, Monroe, Putnam, and Union Counties, Tennessee; and Catoosa and Whitfield Counties, Georgia. First Security Group was incorporated in 1999 and is headquartered in Chattanooga, Tennessee.


FIRSTFED FINANCIAL CORPORATION (FED)

FirstFed Financial Corp. operates as the holding company for First Federal Bank of California (bank), which offers various commercial banking services in California. It accepts money market deposits, passbook, checking, and fixed term certificate accounts, as well as originates loans for the purpose of enabling borrowers to purchase, refinance, or construct improvements on residential real property. Its loan portfolio primarily consists of loans made to homebuyers and homeowners on the security of single-family dwellings and property owners on multifamily dwellings; loans secured by commercial and industrial properties; consumer loans; and commercial business loans. The bank also operates a call center, which conducts transactions with deposit and loan customers by telephone, and an Internet Website, through which customers can perform transfers and pay bills. It invests in U.S. Treasury and agency securities, collateralized mortgage obligations, and mortgage-backed securities. As of February 15, 2005, it operated 29 banking branches and 4 lending offices in southern California. FirstFed Financial Corp. is based in Santa Monica, California.


FIRST DEFIANCE FINANCIAL CORP (FDEF)

First Defiance Financial Corp. operates as the holding company for the First Federal Bank of the Midwest, which provides community banking services. It accepts checking accounts, money market accounts, regular savings accounts, and term certificate accounts. The bank also offers residential real estate loans, nonresidential real estate loans, commercial loans, home improvement and home equity loans, and consumer loans. In addition, it invests in the United States Treasury and federal government agency obligations; obligations of the State of Ohio and its political subdivisions; and mortgage-backed securities, which are issued by federal agencies, including REMICs and CMOs and corporate bonds. As of June 30, 2005, the bank operated through its main office and 19 full service branch offices and 25 ATM machines. The company through its subsidiary, First Insurance & Investments, offers property and casualty, group health, and life insurance, and investment and annuity products. The company was founded in 1935 and is headquartered in Defiance, Ohio.


FIRST SOUTH BANCORP INC (FSBK)

First South Bancorp, Inc. operates as the holding company for First South Bank that provides commercial banking services in North Carolina. The bank engages in generating deposits and originating loans. Its deposit products include checking accounts, money market accounts, statement and passbook savings accounts, individual retirement accounts, and certificates of deposit. First South Bank's loan portfolio comprises residential mortgage loans that include single-family residential, multifamily residential, and construction loans; commercial loans encompassing commercial real estate, commercial business, and lease receivable loans; consumer loans, which consists of automobile, savings account, and home equity loans; and loans secured by first mortgages on owner-occupied, single-family residences. It primarily invests in the U.S. government and agency securities, and mortgage-backed securities. First South Bancorp was founded in 1959 and is based in Washington, North Carolina.


HORIZON FINANCIAL CORP (HRZB)

Horizon Financial Corp. operates as the bank holding company for Horizon Bank that provides commercial banking services primarily in northwest Washington. The bank engages in generating deposits and originating loans. Its deposit products include savings, checking, money market, and time deposits. The bank's loan portfolio comprises real estate construction and commercial construction loans, commercial loans, mortgage loans, secured and unsecured consumer loans, and loans secured by savings deposits. It primarily invests in the U.S. Treasury obligations, money market instruments, federal agency securities, and municipal securities. As of June 30, 2005, the bank operated 18 bank branches, 3 commercial loan centers, and 3 real estate loan centers in Whatcom, Skagit, Snohomish, and Pierce counties in northwest Washington. The company was founded in 1922 and is based in Bellingham, Washington.


ENTERPRISE BANCORP INC (EBTC)

Enterprise Bancorp, Inc. operates as the holding company for Enterprise Bank and Trust Company (bank) that provides commercial banking services primarily in the northeastern Massachusetts and southern New Hampshire. The bank engages in generating deposits and originating loans. Its deposit products include personal interest checking accounts, savings accounts, money market accounts, individual retirement accounts, and certificates of deposit, as well as commercial checking, business and municipal savings accounts, money markets and business sweep accounts, and escrow management accounts. The bank's loan portfolio comprises commercial and residential mortgage, construction, commercial, home equity, personal, and mortgage loans, as well as letters of credit and equipment lease financing. In addition, it provides insurance products, including property and casualty, employee benefits and risk-management solutions; and offers securities brokerage services. The bank primarily invests in the obligations of the U.S. treasury securities, federal agency obligations, and mortgage-backed securities. As of December 31, 2004, it operated 13 branches in Massachusetts and New Hampshire. The company was formed in 1989 and is headquartered in Lowell, Massachusetts.


BERKSHIRE HILLS BANCORP INC (BHLB)

Berkshire Hills Bancorp, Inc. operates as the holding company for Berkshire Bank that provides community banking services primarily in western Massachusetts and northeastern New York. It originates deposits and originates loans. The bank's deposit products primarily include checking, NOW, money market, savings, retirement deposit accounts, and time deposit accounts. Its loan portfolio comprises residential mortgage, commercial mortgage, commercial business, and consumer loans. It also offers wealth management services, including trust, financial planning, and investment services, as well as operates as an agent for various lines of property and casualty, life, disability, and health insurance. As of March 5, 2007, the bank operated 30 branches and 40 ATMs in northeastern New York and western Massachusetts. The company was founded in 1846 and is headquartered in Pittsfield, Massachusetts.


PEOPLES UNITED FINANCIAL INC (PBCT)

People's Bank operates as a diversified financial services company in the United States. It provides commercial, consumer, insurance, retail investment, and trust services. As of July 12, 2004, the company had 155 branches and approximately 240 ATMs. It offers consumer and commercial banking, residential lending, insurance sales, and supermarket banking services. Through its subsidiaries, People's Bank provides brokerage and financial advisory services, asset management, equipment leasing and financing, and insurance services. It also issues MasterCard and Visa credit cards. The company was founded in 1842 and is based in Bridgeport, Connecticut.


HOME FEDERAL BANCORP INC (HOME)

Home Federal Bancorp, Inc. operates as the stock holding company for the Home Federal Bank that provides financial services to consumers and businesses. It attracts various deposit instruments, including checking accounts, money market deposit accounts, savings accounts, and certificates of deposits. The bank originates various loans, such as consumer loans to its customers, including, home equity loans and lines of credit, savings account loans, automobile loans, recreational vehicle loans, and personal unsecured loans, as well as commercial lending products, such as residential mortgage and commercial business loans. It also provides real estate and construction loans, including one-to-four-family residential loans, multifamily residential loans, and commercial and land development loans, as well as sells investment and insurance products. In addition, the bank invests in various types of liquid assets, including U.S. treasury obligations, securities of various federal agencies, certificates of deposit of federally insured banks and savings institutions, banker's acceptances, and repurchase agreements and federal funds. It serves customers in the Treasure Valley region of southwestern Idaho, which includes Ada, Canyon, Elmore, and Gem Counties. At September 30, 2005, the bank had 15 full service banking offices and 2 loan centers. Home Federal Bancorp was founded in 1920 and is headquartered in Nampa, Idaho.


DOWNEY FINANCIAL CORPORATION (DSL)

Downey Financial Corp. operates as the holding company for Downey Savings and Loan Association, F.A. (bank), which offers various banking and financial services to individual and corporate customers primarily in California. The bank attracts funds from the general public and institutions; and originates and invests in loans, such as residential real estate mortgage loans, investment securities, and mortgage-backed securities. It primarily focuses on the origination of adjustable rate single family mortgage loans, including subprime loans. The bank also offers multifamily loans; commercial real estate loans; construction and land loans to developers; loans to individuals for the construction and permanent financing of single family homes; and consumer loans. Its deposit products include checking, money market, and regular passbook. In addition, the bank offers online banking services, such as e-bill payment, as well as engages in development, construction, and property management activities relating to its portfolio of projects primarily within California and Arizona. As of July 31, 2005, it operated 172 branches, of which 168 were in California and 4 were in Arizona. The company is headquartered in Newport Beach, California.


KEARNY FINANCIAL (KRNY)

Kearny Financial Corp. operates as the holding company for Kearny Federal Savings Bank, which offers banking services in New Jersey. The bank gathers deposits, which include checking and savings accounts, certificates of deposit accounts, and individual retirement accounts. Its loan portfolio consists of one- to four-family residential mortgage loans, multifamily and commercial mortgage loans, construction loans, commercial business loans, home equity loans and lines of credit, and other consumer loans. The bank invests in mortgage-backed securities, U.S. Government obligations, obligations of state and political subdivisions, and other securities. As of June 30, 2005, it operated 25 branch offices located in Bergen, Hudson, Passaic, Morris, Middlesex, Essex, Union, and Ocean Counties, New Jersey. The company was founded in 1884 and is based in Fairfield, New Jersey. Kearny Financial Corp. is a subsidiary of Kearny MHC.


BANNER CORPORATION (BANR)

Banner Corporation operates as the holding company for Banner Bank that provides commercial banking services. The bank engages in generating deposits and originating loans. Its deposit products include demand checking accounts, negotiable order of withdrawal accounts, money market deposit accounts, regular savings accounts, certificates of deposit, cash management services, and retirement savings plans. Banner Bank's loan portfolio comprises commercial business and commercial real estate loans, agriculture business loans, construction and land development loans, one- to four-family residential loans, and consumer loans. The bank also engages in mortgage banking operations primarily through the origination and sale of one- to four-family residential loans on both a servicing released and servicing retained basis. It primarily invests in the U.S. government agency obligations, mortgage-backed securities, municipal bonds, corporate debt obligations, and stock of Fannie Mae and Freddie Mac. As of September 30, 2005, the bank operated 55 branch offices and 12 loan production offices in 24 counties in Washington, Oregon, and Idaho. Banner Corporation was founded in 1890 and is based in Walla Walla, Washington.


STERLING FINANCIAL CORPORATION (STSA)

Sterling Financial Corporation operates as the holding company for Sterling Savings Bank, which provides community banking services to individual and corporate customers. The bank offers various deposit accounts, which include money market demand accounts, checking accounts, savings accounts, and certificates of deposit. Its loan products primarily include commercial real estate, business banking, consumer loans, and construction loans. In addition, the bank offers tax-deferred annuities, mutual funds, and other financial products. Sterling Savings Bank invests in asset-backed securities issued by Federal Home Loan Mortgage Corporation and Federal National Mortgage Association, as well as in other agency obligations. As of June 30, 2004, the bank operated 135 retail branches located in Washington, Oregon, Idaho, and Montana. Sterling Financial Corporation was formed in 1983 and is headquartered in Spokane, Washington.


HMN FINANCIAL INC (HMNF)

HMN Financial, Inc. operates as the holding company for Home Federal Savings Bank, which provides various financial products and banking services primarily in Minnesota and Iowa. The bank engages in generating deposits and originating loans. Its deposit products include passbook, negotiable order of withdrawal, money market, checking, and certificate accounts. The bank's loan portfolio comprises one-to-four family residential, commercial real estate, and multifamily mortgage loans, as well as consumer, construction, and commercial business loans. In addition, it offers financial planning products and services. The bank primarily invests in mortgage-backed and related securities and in the U.S. government agency obligations. As of December 31, 2004, it operated 10 branches in Minnesota. The company was founded in 1933 and is based in Rochester, Minnesota.


WILLOW FINANCIAL BANCORP INC (WFBC)

Willow Financial Bancorp, Inc. operates as the holding company for Willow Financial Bank that provides commercial banking services in Pennsylvania. It generates deposit products, such as savings accounts, money market accounts, certificates of deposit, and interest-bearing and noninterest-bearing checking accounts. The company also provides a portfolio of loan products comprising single-family residential first mortgage loans, home equity loans, commercial business loans, commercial real estate and multi-family residential real estate loans, construction and land acquisition loans, and consumer loans, such as loans secured by automobiles, deposit account loans, and unsecured personal loans. As of June 30, 2007, its branch banking network consisted of 29 full-service offices that were located in Chester, Montgomery, and Bucks counties, Pennsylvania, as well as Philadelphia. The company was founded in 1909. It was formerly known as Willow Grove Bancorp, Inc. and changed its name to Willow Financial Bancorp, Inc. in 2006. Willow Financial Bancorp is headquartered in Wayne, Pennsylvania.


ABINGTON COMMUNITY BANCORP INC (ABBC)

Abington Community Bancorp, Inc. operates as the holding company for Abington Savings Bank that provides commercial banking services in Montgomery County and Bucks County, Pennsylvania. The bank engages in generating deposits and originating loans. Its deposit products include savings, money market, and checking accounts, as well as certificates of deposit. The bank's loan portfolio comprises single-family residential mortgage loans, construction loans, nonresidential or commercial real estate mortgage loans, home equity loans, commercial business loans, and consumer loans. Abington Savings Bank also offers securities and annuities through an affiliation with a third-party broker-dealer. It primarily invests in the obligations of the U.S. government and agency obligations, municipal securities, corporate debt obligations, mutual funds, and other securities. As of September 30, 2005, the bank operated 7 branches and 4 limited service facilities in Montgomery County and Bucks County neighborhoods. The company was formed in 1867 and is based in Jenkintown, Pennsylvania. Abington Community Bancorp, Inc. is a subsidiary of Abington Mutual Holding Company.


WASHINGTON MUTUAL INC (WM)

Washington Mutual, Inc., a thrift holding company, provides various financial services to consumers and small to mid-sized businesses in the United States. The company primarily operates through three segments: the Retail Banking and Financial Services, the Mortgage Banking, and the Commercial. The Retail Banking and Financial Services segment's principal activities include originating, managing, and servicing home equity loans and lines of credit; offering various deposit and other retail banking products and services, including checking and interest-bearing platinum checking accounts, as well as other personal checking, savings, money market deposit, and time deposit accounts; providing investment advisory and brokerage services, sales of annuities, mutual fund management, and other financial services. This segment also purchases and re-underwrites loans to subprime borrowers. The Mortgage Banking segment primarily engages in originating and servicing home loans; buying and selling home loans in the secondary market; and selling insurance-related products and participating in reinsurance activities with other insurance companies. This segment offers various home loans, including fixed-rate home loans, adjustable-rate home loans (ARM), hybrid home loans, option ARMs, and government insured or guaranteed home loans. The Commercial segment provides financing to developers and investors for the acquisition or construction of multifamily dwellings and other commercial properties; originates and services multifamily and other commercial real estate loans; provides financing to mortgage bankers for the origination of residential loan products; and originates, sells, and services home loans to subprime borrowers. Washington Mutual operated approximately 2,400 retail banking, mortgage lending, commercial banking, and financial services offices, as of December 20, 2005. The company was founded in 1889 and is headquartered in Seattle, Washington.


K-FED BANCORP (KFED)

K-Fed Bancorp operates as the holding company for Kaiser Federal Bank, which offers various financial services in California. It primarily engages in generating deposits and originating loans. The bank's deposit products include time deposit accounts, savings, money market, and demand deposit accounts. Its loan portfolio comprises loans secured by first mortgages on owner-occupied and one- to four-family residences; multifamily residential loans; and commercial real estate loans. The bank also originates automobile and other consumer loans. It primarily invests in U.S. government agency and government sponsored entity bonds, mortgage-backed securities, and collateralized mortgage obligations. As of September 30, 2005, the bank operated five branches in California. The company was formed in 1953 and is headquartered in Covina, California. K-Fed Bancorp is a subsidiary of K-Fed Mutual Holding Company.


PROVIDENT FINANCIAL HOLDINGS INC (PROV)

Provident Financial Holdings, Inc. operates as the holding company for Provident Savings Bank, F.S.B., which provides financial services to consumers and small to mid-sized businesses in the Inland Empire region of southern California. The bank primarily engages in community banking and mortgage banking activities. Its community banking activities include the generation of deposits and origination of loans. The bank's deposit products include checking, savings, money market, and time deposits, as well as loan portfolio comprises single-family loans, multifamily loans, commercial real estate loans, construction loans, commercial business loans, consumer loans, and other real estate loans. Its mortgage banking activities consist of the origination and sale of mortgage and consumer loans secured primarily by single-family residences. The bank also offers investment and insurance services. It primarily invests in U.S. Government sponsored enterprise debt securities and U.S. Government sponsored enterprise mortgage-backed securities. As of June 30, 2005, the bank operated 11 banking offices in Riverside County and 1 banking office in San Bernardino County. The company was organized in 1956 and is based in Riverside, California.


OCEANFIRST FINANCIAL CORP (OCFC)

OceanFirst Financial Corp. operates as the holding company for OceanFirst Bank, which provides commercial banking services. It accepts money market accounts, savings accounts, interest-bearing checking accounts, non-interest bearing accounts, and time deposits. The bank also offers both fixed-rate and adjustable-rate mortgage loans secured by one- to four-family residences; commercial real estate and residential construction loans; and consumer loans. Its portfolio of securities include mortgage-backed securities, securities issued by the United States Government and agencies, corporate securities, and other investments permitted by applicable law and regulations. As of June 30, 2005, the bank operated through 18 branch locations in Ocean, Monmouth, and Middlesex Counties in the United States. The company is headquartered in Toms River, New Jersey.


PULASKI FINANCIAL CORPORATION (PULB)

Pulaski Financial Corp. operates as the holding company for Pulaski Bank, which provides financial products and services for businesses and retail customers. It offers commercial and retail deposit instruments, including checking accounts, negotiable order of withdrawal accounts, money market deposit accounts, regular savings accounts, certificates of deposit, retirement savings plans, and treasury management services. The bank's lending products include adjustable-rate residential mortgage, construction and development, commercial real estate, automobile, unsecured, and other secured consumer goods loans, as well as commercial and industrial loans secured by property and home equity lines of credit. It also invests in the U.S. treasury and agency obligations, debt securities, mortgage-backed securities, and equity securities. In addition, the bank provides traditional title insurance services and products, including owner's policies of insurance, lender's policies of insurance, and miscellaneous title information products. In addition, the bank sells insurance products and annuities. As of September 30, 2005, it operated eight full-service banking offices in St. Louis and Kansas City metropolitan areas. Pulaski Financial Corp. was founded in 1940 and is headquartered in St. Louis, Missouri.


WASHINGTON SAVINGS BANK F.S.B. (WSB)

The Washington Savings Bank F.S.B (WSB) provides financial services in Washington DC, Baltimore, southern Pennsylvania, northern Virginia, and surrounding metropolitan areas in the United States. WSB engages primarily in attracting deposit accounts from the general public; and using such funds, together with other funds, to make first and second mortgage loans, land acquisition and development loans, construction loans, consumer loans, and non-residential mortgage loans, as well as residential lending. Its deposit instruments include savings accounts, including NOW accounts; and time deposits. As of July 31, 2003, WSB operated five savings branch locations in Bowie, Crofton, Millersville, Odenton, and Waldorf, Maryland. The company, through its subsidiary, WSB, Inc., engages in developing single family residential lots.


JEFFERSON BANCSHARES INC (JFBI)

Jefferson Bancshares, Inc. operates as the holding company for Jefferson Federal Bank that provides various financial products and services to individuals and small businesses primarily in the Hamblen County, Tennessee. The bank engages in generating deposits and originating loans. Its deposit products include negotiable order of withdrawal accounts, money market accounts, regular savings accounts, Christmas club savings accounts, certificates of deposit, and retirement savings plans. The bank's loan portfolio comprises one- to four-family residential, construction, land, commercial business, and consumer loans, as well as home equity lines of credit. It primarily invests in federal agency debt securities, mortgage-backed securities, and municipal bonds. As of October 28, 2005, the bank operated a main office and two drive through facilities in Morristown; and a lending office in Knoxville, Tennessee. The company was founded in 1960 and is headquartered in Morristown, Tennessee.


SOUTHWEST BANCORP INC (OKSB)

Southwest Bancorp, Inc. operates as the holding company for Stillwater National Bank and Trust Company, and SNB Bank of Wichita. It offers a range of commercial and consumer lending and deposit services. The company's deposit services include business mail processing; commercial checking, money market, and other deposit accounts; and retail deposit services that consist of certificates of deposit, money market accounts, checking accounts, NOW accounts, savings accounts, and automatic teller machine access. Southwest also offers a range of commercial loans that comprise commercial real estate loans, working capital and other commercial loans, construction loans, and small business administration guaranteed loans, as well as consumer lending services, which consist of student loans, residential real estate loans and mortgage banking services, and personal lines of credit and other installment loans. In addition, the company provides other services, including Internet banking services, automated lockbox, imaging and information services, and a deposit products that automatically sweeps excess funds from commercial demand deposit accounts and invests them in short term borrowings. As of December 31, 2004, Southwest operated 12 banking offices, 3 located in Stillwater; 2 located in Tulsa, Oklahoma; 2 each located in the Dallas and Austin, Texas metropolitan areas; and 1 each in Oklahoma City and Chickasha, Oklahoma, San Antonio, Texas, and Wichita, Kansas. The company was founded in 1894 and is headquartered in Stillwater, Oklahoma.


CCF HOLDING COMPANY (CCFH)

CCF Holding Company operates as the bank holding company for Heritage Bank that offers commercial banking services in the southern market of greater Atlanta, Georgia. The bank provides various deposit services, including demand deposit accounts, checking accounts, savings, money market deposit, term certificate accounts, and individual retirement accounts. It also offers commercial loans, consumer loans, one- to four-family residential mortgage loans, construction lending, and other installment loans. The bank invests in short-term securities, mortgage backed securities, the U.S. treasury and government agency obligations, and municipal securities. As Of July 8, 2005, it operated seven offices in Clayton, Fayette, and Henry Counties of Georgia. CCF Holding Company is based in Jonesboro, Georgia.


CITIZENS FIRST BANCORP INC (CTZN)

Citizens First Bancorp, Inc. operates as the holding company for Citizens First Savings Bank and Metrobank, which provide commercial banking services primarily in Michigan. The company accepts savings, checking, NOW, and money market accounts; individual retirement accounts; and certificates of deposit. It also offers one- to four-family residential mortgage loans, commercial and multifamily real estate loans, residential construction loans, home equity and lines of credit, commercial loans, and consumer loans. In addition, Citizens First Bancorp provides fiduciary services, insurance services, and trust and investment services to individuals, partnerships, businesses, corporations, and institutions. It invests in U.S. Treasury securities, obligations of U.S. government corporations and agencies, obligations of state and political subdivisions, corporate debt securities, and mortgage-backed securities. As of December 31, 2004, the company operated 20 banking offices located in Port Huron, St. Clair, Sanilac, Huron, Lapeer, and northern Macomb counties, Michigan. Citizens First Bancorp was founded in 1938 and is headquartered in Port Huron, Michigan.


BANKATLANTIC BANCORP INC (BBX)

BankAtlantic Bancorp, Inc. operates as a financial services holding company that offers consumer and commercial banking, brokerage services, and investment banking. Its principal subsidiaries include BankAtlantic (bank) and RB Holdings, Inc., a holding company of Ryan Beck & Co., Inc. (Ryan Beck). The bank attracts checking and savings deposits; originates commercial real estate and business loans, and consumer and small business loans; purchases wholesale residential loans; and makes other investments in mortgage-backed securities, tax certificates, and other securities. As of March 1, it offered these services through 74 branch locations in Florida and operated approximately 200 ATMs. Ryan Beck engages in underwriting, distribution, and trading of equity and fixed income securities. It also provides general securities brokerage, and consulting and financial advisory services to financial institutions and middle market companies. In addition, Ryan Beck offers equity research in the financial institutions, healthcare, and consumer product sectors. The company was founded in 1952 and is headquartered in Ft. Lauderdale, Florida.


OCWEN FINANCIAL CORPORATION (OCN)

Ocwen Financial Corporation, a financial services company, engages in residential and commercial mortgage servicing, real estate asset management, asset recovery, business process outsourcing, and the marketing and sale of technology solutions to third parties. It operates through six segments: Residential Loan Servicing, Ocwen Technology Xchange, Ocwen Realty Advisors, Business Process Outsourcing, and commercial servicing. The Residential Loan Servicing segment services performing, subperforming, and nonperforming residential mortgage loans. The Ocwen Technology Xchange segment consists of REALServicing, an enterprise-level residential mortgage loan servicing platform; REALSynergy, an enterprise-level commercial mortgage loan servicing platform; and REALTrans, a Web-based vendor management platform that facilitates the electronic fulfillment of real estate products and services necessary to process, approve, and close residential mortgage loans, as well as to service them. The Ocwen Realty Advisors segment provides valuation services. The Ocwen Recovery Group segment conducts activities for third party owners of unsecured receivables, and for a portfolio of unsecured credit card receivables. The Business Process Outsourcing segment provides business process outsourcing services to third parties, including mortgage underwriting, data entry, call center services, and mortgage research. The commercial servicing segment services domestic and international assets. Ocwen Financial operates in the United States, Canada, China, Germany, India, Japan, and Taiwan. The company was organized in 1988 and is headquartered in West Palm Beach, Florida.


SOVEREIGN BANCORP INC (SOV)

Sovereign Bancorp, Inc. operates as a holding company for Sovereign Bank, which provides commercial banking services in the United States. The bank attracts deposits through various deposit instruments, including demand and NOW accounts, money market and savings accounts, certificates of deposits, and retirement savings plans. It also provides cash management, capital markets, trust, and wealth management, and insurance services to its customers, as well as asset backed lending products, commercial real estate loans, automobile dealer floor plan loans, small business loans, and leases to commercial customers. The bank operates in Pennsylvania, Massachusetts, New Jersey, Connecticut, New Hampshire, New York, Rhode Island, Maryland, and Delaware. As of June 15, 2005, it operated approximately 650 community banking offices and 1000 ATMs. Sovereign Bancorp was founded in 1984 and is headquartered in Philadelphia, Pennsylvania.


FLAGSTAR BANCORP INC (FBC)

Flagstar Bancorp, Inc. operates as the holding company for Flagstar Bank, fsb that offers consumer and commercial financial products and services to individuals, and small and middle market businesses in southern Michigan and Indiana. The bank engages in generating deposits and originating loans. Its deposit products include checking deposits, time deposits, demand deposits, savings deposits, money market deposits, certificates of deposits, municipal deposits, and national deposits. The bank offers consumer loan products, including second mortgage loans; loans for automobiles, marine, and recreational vehicles; student loans; and loans secured by deposit accounts. Its commercial loan products include business lines of credit, including warehouse lines of credit to other mortgage lenders, working capital loans, equipment loans, and loans secured by real estate. The bank primarily invests in mutual funds and U.S. treasury bonds. As of December 8, 2005, the bank operated a network of approximately 130 banking centers in Michigan, Indiana, and Georgia; home loan centers in 27 states; and correspondent lending offices throughout the United States. Flagstar Bancorp, through its nonbanking subsidiaries, acts as an agent for life insurance, and health and casualty insurance companies; and participates in private mortgage insurance operations. Flagstar Bancorp is headquartered in Troy, Michigan.


AMERIANA BANCORP (ASBI)

Ameriana Bancorp operates as the holding company for Ameriana Bank and Trust, SB, which offers various personal banking products and services. The bank accepts regular savings, NOW, and money market accounts; fixed interest rate certificates with varying maturities; negotiated rate jumbo certificates with various maturities; and tax-deferred individual retirement, Keogh retirement, and simplified employer plan retirement accounts. It offers mortgage loans on single-family residences, multifamily housing, commercial real estate, and lines of credit; home improvement loans; and consumer loans. The bank also provides trust, investment, and estate planning services, as well as insurance and brokerage services. It invests in various federal and government agency obligations, and other investment securities permitted by applicable laws and regulations, including mortgage-backed, municipal, and equity securities. As of December 31, 2004, the bank operated through nine branch offices located in New Castle, Middletown, Knightstown, Morristown, Greenfield, Anderson, Avon, McCordsville, and New Palestine, Indiana. The company was founded in 1890 and is based in New Castle, Indiana.


CENTRAL FEDERAL CORPORATION (CFBK)

Central Federal Corporation operates as the holding company for CFBank, which offers various financial services in the United States. The company's deposit products include savings accounts, retail and business checking accounts, money market accounts, and certificates of deposit. It provides loan products, such as commercial and commercial real estate loans, single-family and multi-family residential mortgage loans, and home equity lines of credit. The company also offers telephone banking, corporate cash management, and Internet banking services. As of December 31, 2006, it had five offices located in Summit, Columbiana, and Franklin Counties, Ohio. The company was founded in 1892 and is headquartered in Fairlawn, Ohio.


CENTENNIAL BANK HOLDINGS INC (CBHI)

Centennial Bank Holdings, Inc., a bank holding company, through its subsidiaries, provides banking and other financial services to consumers, and small and medium-sized businesses in Colorado, the United States. The banks offer various deposit accounts, such as demand, NOW, money market, individual retirement account, time deposits, and savings accounts. The banks loan portfolio includes construction, commercial real estate, commercial and industrial, residential real estate, consumer, home equity lines, and agriculture loans. The bank also provides trust services, including personal trust administration, estate settlement, investment management accounts, and self-directed IRAs. As of December 31, 2006, the company operated 36 branches in Colorado through its two subsidiaries. The company was founded in 1937 and is based in Denver, Colorado.


WILSHIRE BANCORP INC (WIBC)

Wilshire Bancorp, Inc. operates as the holding company for Wilshire State Bank. The bank focuses on general commercial banking, with its primary market encompassing the Los Angeles County area. It offers various accounts for depositors, including certificates of deposit, regular savings accounts, money market accounts, checking and negotiable order of withdrawal accounts, installment savings accounts, and individual retirement accounts. The banks' lending activities include commercial real estate loans, commercial business lending, and trade finance; Small Business Administration lending; and consumer loans, such as automobile loans, home mortgages, credit lines, and other personal loans. As of June 2, 2005, it operated 14 branch offices in California and Texas; as well as 8 loan production offices in San Jose, Seattle, Oklahoma City, San Antonio, Las Vegas, Houston, Atlanta, and Denver. Wilshire Bancorp is headquartered in Los Angeles, California.


CENTER FINANCIAL CORPORATION (CLFC)

Center Financial Corporation operates as the holding company for Center Bank (bank). It provides a range of commercial and consumer banking services for small to medium sized business owners, primarily in Southern California. The bank offers various deposit products that comprise demand deposit accounts, money market accounts, savings accounts, time certificates of deposit, and fixed maturity installment savings; and a range of lending products, including commercial real estate loans, commercial loans, working capital lines, SBA loans, trade financing, automobile loans and other personal loans, and construction loans. The company also provides international banking services, such as letters of credit, acceptances and wire transfers, merchant deposit services, travelers' checks, debit cards, and safe deposit boxes. As of June 30, 2005, the bank operated 16 full-service branch offices located in Los Angeles, Orange, San Bernardino, and San Diego counties in California; Cook County in Illinois; and Seattle in Washington. Center Financial was incorporated in 1985 and is headquartered in Los Angeles, California.


BFC FINL CORP (BFF)

BFC Financial Corporation is a public investment firm specializing in the investments and acquisitions of middle market companies. The firm participates in mergers and acquisition, add-on acquisitions, divestiture, taking public companies private and private companies public, leveraged buyout, partnership, recapitalization, restructuring, and venture capital transactions. It invests across a broad range of industries ranging from service to manufacturing businesses. The firm prefers to acquire controlling interests in its portfolio companies and can also consider minority investments. It typically does not invest in industries or companies whose ultimate returns are event driven. BFC Financial Corporation was founded in 1980 and is based in Fort Lauderdale, Florida.


W HOLDING COMPANY INCORPORATED (WHI)

W Holding Company, Inc. operates as the holding company for Westernbank Puerto Rico (bank). The bank offers a range of business and consumer financial services, including banking, trust, and brokerage services. Westernbank provides a range of consumer loans that include personal, collateralized personal loans, credit cards, and small loans; commercial loans, such as commercial real estate, residential real estate, and unsecured construction and land acquisition loans; and fixed-rate residential second mortgage consumer loans, as well as offers various deposit products that comprise savings, time deposits, brokered deposits, and individual retirement account deposits. It also provides an array of trust services and treasury and investment services. As of June 30, 2005, the bank operated 53 branch offices in Puerto Rico, including 33 in the western and southwestern regions, 7 in the northeastern region, 12 in the San Juan metropolitan area, and 1 in the eastern region. In addition, the company, through its another subsidiary, Westernbank Insurance Corp., operates as a general insurance agent placing property, casualty, life, and disability insurance. W Holding Company is based in Mayaguez, Puerto Rico.


UNITED COMMUNITY FINANCIAL CORP (UCFC)

United Community Financial Corp. operates as the holding company for Home Savings and Loan Company of Youngstown, Ohio that provides commercial and consumer banking services principally in Ohio. The bank primarily engages in the origination of mortgage loans on one to four-family residential real estate located in Ohio and Beaver County in Pennsylvania. It also originates loans secured by multifamily and nonresidential real estate; loans for the construction of one- to four-family residences, multifamily properties, and nonresidential real estate projects; commercial loans; and various types of consumer loans, including home equity, auto, education, and other loans. Home Savings and Loan Company's deposit products include passbook savings accounts, demand deposits, individual retirement accounts, negotiable order of withdrawal accounts, money market accounts, and certificates of deposit. It primarily invests in the obligations of the U.S. government and agencies and corporations, states and political subdivisions, mortgage-backed securities, and collateralized mortgage obligations. United Community also sells common and preferred stocks; an array of government, corporate, and municipal bonds; and unit trusts and mutual funds. In addition, it offers investments in precious metals and life insurance and annuity products, personal and corporate financial planning, fiduciary services, estate planning, pension, and profit sharing. As of September 30, 2005, the bank operated 36 branch offices and 6 loan production offices; and the company operated 14 office locations for providing investment alternatives for individuals, companies, and not-for-profit organizations in Ohio and western Pennsylvania. United Community was founded in 1889 and is based in Youngstown, Ohio.


BANKUNITED FINANCIAL CORPORATION (BKUNA)

BankUnited Financial Corporation operates as the holding company for BankUnited FSB that provides consumer and commercial banking products and services to consumers and businesses in Florida. The bank offers various deposit products, including personal and commercial transaction accounts, money market and savings accounts, certificates of deposit, individual retirement accounts, and others; and loans, such as one-to-four-family residential mortgage loans, consumer loans, commercial real estate and multifamily loans, real estate construction loans, land loans, commercial loans, and others. It also offers Internet banking, letters of credit, check card, overdraft protection, credit card, and other services. The bank conducts business through automated teller machines, personal computer banking, telebanking, and Internet banking. As of September 30, 2005, the company invested in U.S. government sponsored entity debt securities; debt, equity, and mortgage-backed securities of FNMA and FHLMC; debt, equity, trust preferred, and mortgage-backed securities of private issuers; and municipal bonds. As of December 27, 2005, BankUnited operated 65 full-service banking offices located in Miami-Dade, Broward, Palm Beach, Collier, St. Lucie, Martin, Lee, and Charlotte counties in Florida. BankUnited Financial was founded in 1984 and is headquartered in Coral Gables, Florida.


MS INSURED MUNICIPAL BOND TRUST (IMB)

Morgan Stanley Insured Municipal Bond Trust operates as a diversified, closed-end management investment company in the United States. It primarily invests in tax-exempt municipal bonds. The trust's portfolio comprises investments in educational, electric, hospital, multifamily, single family, transportation, water and sewer, and public and recreational facilities sectors. Morgan Stanley Investment Advisors, Inc. operates as the investment adviser of the trust. The trust was organized in 1990 and is headquartered in New York City.


FEDERAL TRUST CORPORATION (FDT)

Federal Trust Corporation operates as the holding company for Federal Trust Bank, which provides various commercial banking services to individual and corporate customers primarily in Florida. The bank accepts demand, money market, savings, and time deposits. It also offers commercial real estate, residential real estate, commercial business, and consumer loans. Further, the bank provides customers Internet banking services with access to their accounts, funds transfer, and bill paying. The company, through its wholly owned subsidiary, Federal Trust Mortgage Company, provides residential loan products for customers of the bank, to close mortgage loans on behalf of certain third party purchasers and to sell mortgage loans in the secondary market. Its investment portfolio comprises mortgage-backed securities, government agency securities, municipal bonds, corporate debt, and corporate equity securities. As of June 30, 2005, the bank operated six offices located in Orange, Seminole, and Volusia Counties, Florida. The company is headquartered in Sanford, Florida.


PFF BANCORP INC (PFB)

PFF Bancorp, Inc. operates as the holding company for PFF Bank & Trust (bank), which offers various banking and financial services to individuals and companies located primarily in southern California. It offers passbook, NOW, demand, money market savings, and certificate accounts, as well as originates commercial loans and leases, construction and land loans, commercial real estate loans, equity based consumer loans, one-to-four family residential mortgages, and multifamily residential loans. The bank also acts as a trustee, executor, administrator, guardian, custodian, record keeper, agent, registrar, advisor, and manager, as well as offers Internet banking and cash management services. In addition, the company, through its other subsidiaries, offers financing services, including real estate consulting, property entitlement, loan and equity placement, and opportunity and mezzanine lending to home builders and land developers; personal and business insurance policies; fixed and variable annuities; mutual fund nondeposit investment products; and investment advisory and asset management services. The bank's investment portfolio consists of investment grade corporate, and U.S. Treasury and agency securities. As of June 30, 2005, it operated 29 full service branch offices located throughout southern California. The company was established in 1892 and is headquartered in Pomona, California.


FRANKLIN BANK CORP (FBTX)

Franklin Bank Corp., operates as a holding company for Franklin Bank, S.S.B. (bank). The bank offers mortgage banking, commercial banking, and community banking products and services to corporations and other business clients in the United States. It originates, acquires, and sells residential mortgage loans through retail and wholesale channels. The company's community banking operations include various small business and consumer banking products, such as checking, money market, and savings accounts; certificates of deposit; and auto loans, home improvement loans, home equity loans, small business loans, small commercial real estate loans, and mortgage loans. In addition, Franklin Bank provides a range of commercial banking services, including financing for single family residential construction; mortgage banking warehouse lines; and commercial real estate, including retail, industrial, office buildings, and multifamily properties. As of June 21, 2005, the bank operated 27 banking offices, including 18 in the east Texas market and 9 in the central Texas market; 6 regional commercial lending offices in Houston, Dallas, Orlando, Philadelphia, Detroit, and Phoenix; and 53 retail/wholesale mortgage offices in 20 states in the United States. The company is headquartered in Houston, Texas.


ITLA CAPITAL CORPORATION (IMP)

Imperial Capital Bancorp, Inc. operates as the bank holding company for Imperial Capital Bank, which provides commercial banking services in California and other parts of the United States. The company offers various deposit products, including certificates of deposits, money market, passbook, and demand deposit accounts. Its lending activities consist of originating and purchasing real estate loans secured by income producing properties or properties under construction; and entertainment finance loans. As of August 1, 2007, Imperial Capital Bancorp operated 8 retail branch locations and 24 loan origination offices serving the western United States, the southeast, the Mid-Atlantic states, the Ohio Valley, the Metro New York area, and New England. The company was founded in 1973. It was formerly known as ITLA Capital Corporation and changed its name to Imperial Capital Bancorp, Inc. in August 2007. Imperial Capital Bancorp is headquartered in La Jolla, California.