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Peer Data

African-American Banks: Under $100M (Year-End 2008)
 
12/31/2008
12/31/2007
12/31/2006
12/31/2005
12/31/2004
Peer Group Information
NUMBER OF BANKS IN PEER GROUP
15
15
15
15
15
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME
2.02
1.78
1.72
1.87
2.18
NONINTEREST EXPENSE
6.43
5.97
6.03
5.84
6.03
PROVISION LOAN & LEASE LOSSES
0.59
0.53
0.63
0.71
0.39
REALIZED GAINS/LOSSES SEC
0.01
0.01
0.00
-0.00
0.02
NET OPERATING INCOME
-1.21
-0.72
-0.89
-0.20
0.21
NET INCOME
-1.21
-0.72
-0.89
-0.20
0.21
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS
89.96
91.38
91.94
91.44
90.03
NET INT INC-TE TO AVG EARN ASSET
4.23
4.36
4.61
4.92
5.14
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN&LS
1.30
0.44
1.32
0.64
0.86
LN&LS ALLOWANCE TO TOTAL LN&LS
1.85
2.29
1.85
2.22
1.83
NON-CUR LN&LS TO GROSS LN&LS
5.55
5.63
4.40
4.00
3.73
Liquidity
NET NON CORE FUND DEPENDENCE
28.94
15.73
16.21
14.88
18.74
NET LOANS & LEASES TO ASSETS
67.72
63.50
63.32
63.46
65.49
Capitalization
TIER ONE LEVERAGE CAPITAL
8.78
9.22
9.04
9.75
8.64
TIER ONE RBC TO RISK-WGT ASSETS
12.80
13.94
14.23
15.65
13.18
TOTAL RBC TO RISK-WEIGHT ASSETS
13.95
15.14
15.44
16.83
14.36
CASH DIVIDENDS TO NET INCOME
10.59
1.95
19.73
7.64
-1.42
Growth Rates
ASSETS
5.51
-0.54
5.00
9.36
2.18
TIER ONE CAPITAL
1.81
3.80
1.63
25.00
6.57
NET LOANS & LEASES
15.49
1.17
5.86
6.35
12.73
Banks in Selected Peer Group
FDIC Cert. Number Institution Name City State Zip County
9502 First State Bank Danville VA 24541 Danville City
10319 Citizens Savings Bank and Trust Company Nashville TN 37208 Davidson
11583 Consolidated Bank and Trust Company Richmond VA 23261 Richmond City
16584 The Carver State Bank Savannah GA 31402 Chatham
19450 Gateway Bank of St. Louis Saint Louis MO 63115 Saint Louis (city)
20292 American State Bank Tulsa OK 74106 Tulsa
20364 North Milwaukee State Bank Milwaukee WI 53216 Milwaukee
22229 Commonwealth National Bank Mobile AL 36652 Mobile
22476 Covenant Bank Chicago IL 60624 Cook
26351 Unity National Bank of Houston Houston TX 77004 Harris
33144 United Bank and Trust Company New Orleans LA 70119 Orleans
33519 First Tuskegee Bank Tuskegee AL 36088 Macon
33568 United Bank of Philadelphia Philadelphia PA 19102 Philadelphia
34308 Louisville Community Development Bank Louisville KY 40251 Jefferson
35241 South Carolina Community Bank Columbia SC 29202 Richland

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