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home > peer data > Multi-Racial American Banks: $100M & Over (As of March 31, 2009)

Peer Data

Multi-Racial American Banks: $100M & Over (As of March 31, 2009)
 
03/31/2009
03/31/2008
12/31/2008
12/31/2007
12/31/2006
Peer Group Information
NUMBER OF BANKS IN PEER GROUP
3
3
3
3
3
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME
1.34
1.38
1.62
1.71
1.37
NONINTEREST EXPENSE
3.59
4.57
4.35
5.31
4.77
PROVISION LOAN & LEASE LOSSES
1.86
0.23
1.05
0.32
0.09
REALIZED GAINS/LOSSES SEC
0.13
0.00
0.02
-0.01
-0.12
NET OPERATING INCOME
-1.12
0.07
-0.44
-0.21
0.03
NET INCOME
-0.90
0.07
-0.44
-0.21
0.03
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS
95.92
95.02
94.47
94.12
91.74
NET INT INC-TE TO AVG EARN ASSET
2.91
3.78
3.52
4.13
4.36
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN&LS
1.28
0.10
0.79
0.34
0.07
LN&LS ALLOWANCE TO TOTAL LN&LS
1.56
0.96
1.27
0.95
0.98
NON-CUR LN&LS TO GROSS LN&LS
3.86
1.63
2.58
2.21
0.96
Liquidity
NET NON CORE FUND DEPENDENCE
38.27
43.40
48.39
43.25
20.30
NET LOANS & LEASES TO ASSETS
74.31
73.25
76.80
72.99
67.64
Capitalization
TIER ONE LEVERAGE CAPITAL
8.86
9.84
8.44
10.27
11.51
TIER ONE RBC TO RISK-WGT ASSETS
13.27
13.74
11.87
14.51
17.34
TOTAL RBC TO RISK-WEIGHT ASSETS
14.45
14.74
13.00
15.50
18.31
CASH DIVIDENDS TO NET INCOME
0.00
-172.55
-11.98
0.00
0.00
Growth Rates
ASSETS
16.55
15.61
16.25
8.82
4.89
TIER ONE CAPITAL
14.61
-4.43
-2.59
-2.92
11.17
NET LOANS & LEASES
17.76
20.73
21.75
20.56
20.94
Banks in Selected Peer Group
FDIC Cert. Number Institution Name City State Zip County
21220 Espirito Santo Bank Miami FL 33131 Miami-dade
34548 Neighborhood National Bank San Diego CA 92113 San Diego
34643 Sunstate Bank Miami FL 33176 Miami-dade

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