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Peer Data

African-American Banks (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
33
33
33
33
33
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME
1.27
1.25
1.24
1.35
1.52
NONINTEREST EXPENSE
4.81
4.55
4.60
4.70
4.83
PROVISION LOAN & LEASE LOSSES
0.56
0.24
0.30
0.37
0.27
REALIZED GAINS/LOSSES SEC
-0.01
-0.01
0.00
-0.01
0.03
NET OPERATING INCOME
-0.38
0.17
0.23
0.38
0.61
NET INCOME
-0.36
0.17
0.23
0.38
0.61
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS
92.88
93.63
93.82
93.21
92.47
NET INT INC-TE TO AVG EARN ASSET
4.03
4.16
4.41
4.59
4.74
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN&LS
0.83
0.20
0.62
0.32
0.43
LN&LS ALLOWANCE TO TOTAL LN&LS
1.66
1.74
1.54
1.80
1.60
NON-CUR LN&LS TO GROSS LN&LS
4.76
3.75
2.60
2.33
2.07
Liquidity
NET NON CORE FUND DEPENDENCE
32.05
24.47
23.42
19.73
21.89
NET LOANS & LEASES TO ASSETS
66.10
62.96
62.83
61.49
62.20
Capitalization
TIER ONE LEVERAGE CAPITAL
8.74
9.03
9.18
9.40
8.85
TIER ONE RBC TO RISK-WGT ASSETS
6.35
29.37
27.70
18.57
22.88
TOTAL RBC TO RISK-WEIGHT ASSETS
12.84
13.46
13.81
14.64
13.74
CASH DIVIDENDS TO NET INCOME
14.16
14.80
14.97
15.81
14.93
Growth Rates
ASSETS
4.73
2.70
6.27
9.11
6.45
TIER ONE CAPITAL
1.39
3.54
6.32
14.16
7.75
NET LOANS & LEASES
7.59
5.22
7.89
8.28
11.80
Banks in Selected Peer Group
FDIC Cert. Number Institution Name City State Zip County
8033 Citizens Trust Bank Atlanta GA 30302 Fulton
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
12266 Mechanics & Farmers Bank Durham NC 27702 Durham
14679 Industrial Bank Oxon Hill MD 20745 District Of Columbia
16511 Tri-State Bank of Memphis Memphis TN 38101 Shelby
16584 The Carver State Bank Savannah GA 31402 Chatham
19328 Seaway Bank and Trust Company Chicago IL 60619 Cook
19450 Gateway Bank of St. Louis Saint Louis MO 63115 Saint Louis (city)
20179 First Independence Bank Detroit MI 48226 Wayne
20292 American State Bank Tulsa OK 74106 Tulsa
20290 Highland Community Bank Chicago IL 60620 Cook
20364 North Milwaukee State Bank Milwaukee WI 53216 Milwaukee
20856 Liberty Bank and Trust Company New Orleans LA 70160 Orleans
21111 City National Bank of New Jersey Newark NJ 07102 Essex
22229 Commonwealth National Bank Mobile AL 36652 Mobile
22476 Covenant Bank Chicago IL 60624 Cook
23966 OneUnited Bank Boston MA 02110 Suffolk
24015 The Harbor Bank of Maryland Baltimore MD 21201 Baltimore City
26351 Unity National Bank of Houston Houston TX 77004 Harris
26725 EuroBank Coral Gables FL 33134 Miami-dade
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
33938 Capitol City Bank & Trust Company Atlanta GA 30310 Fulton
33990 Bank of St. Croix, Inc. Christiansted VI 00820 St. Croix
34308 Louisville Community Development Bank Louisville KY 40251 Jefferson
34496 First Commercial Bank (USA) Alhambra CA 91801 Los Angeles
34818 Legacy Bank Milwaukee WI 53206 Milwaukee
34919 Detroit Commerce Bank Detroit MI 48226 Wayne
35241 South Carolina Community Bank Columbia SC 29202 Richland
35314 Alamerica Bank Birmingham AL 35205 Jefferson

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