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Peer Data

African-American Banks: $100M & Over (As of June 30, 2009)
 
06/30/2009
06/30/2008
12/31/2008
12/31/2007
12/31/2006
Peer Group Information
NUMBER OF BANKS IN PEER GROUP
15
15
15
15
15
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME
0.76
0.93
1.00
0.99
0.95
NONINTEREST EXPENSE
3.66
3.68
3.76
3.57
3.60
PROVISION LOAN & LEASE LOSSES
0.59
0.20
0.60
0.12
0.15
REALIZED GAINS/LOSSES SEC
0.17
0.08
-0.58
-0.04
-0.01
NET OPERATING INCOME
0.22
0.69
0.08
0.82
0.82
NET INCOME
0.22
0.79
0.13
0.82
0.82
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS
94.28
94.58
94.61
94.63
94.83
NET INT INC-TE TO AVG EARN ASSET
3.77
4.00
3.98
4.08
4.16
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN&LS
0.71
0.25
0.39
0.13
0.34
LN&LS ALLOWANCE TO TOTAL LN&LS
1.86
1.43
1.79
1.41
1.43
NON-CUR LN&LS TO GROSS LN&LS
5.65
2.90
4.78
2.55
1.83
Liquidity
NET NON CORE FUND DEPENDENCE
29.04
28.54
33.89
27.12
26.48
NET LOANS & LEASES TO ASSETS
62.88
62.99
64.01
61.64
59.20
Capitalization
TIER ONE LEVERAGE CAPITAL
9.07
8.82
8.78
8.94
9.01
TIER ONE RBC TO RISK-WGT ASSETS
13.27
12.79
12.84
13.46
13.65
TOTAL RBC TO RISK-WEIGHT ASSETS
14.56
14.02
14.15
14.72
14.77
CASH DIVIDENDS TO NET INCOME
-22.07
61.40
-107.88
54.42
37.21
Growth Rates
ASSETS
4.17
6.15
5.79
3.55
8.16
TIER ONE CAPITAL
8.18
6.15
3.02
4.35
8.73
NET LOANS & LEASES
3.96
16.26
11.29
9.45
9.40
Banks in Selected Peer Group
FDIC Cert. Number Institution Name City State Zip County
8033 Citizens Trust Bank Atlanta GA 30302 Fulton
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
19328 Seaway Bank and Trust Company Chicago IL 60619 Cook
20179 First Independence Bank Detroit MI 48226 Wayne
20290 Highland Community Bank Chicago IL 60620 Cook
20856 Liberty Bank and Trust Company New Orleans LA 70160 Orleans
21111 City National Bank of New Jersey Newark NJ 07102 Essex
23966 OneUnited Bank Boston MA 02110 Suffolk
24015 The Harbor Bank of Maryland Baltimore MD 21201 Baltimore City
33938 Capitol City Bank & Trust Company Atlanta GA 30310 Fulton
33990 Bank of St. Croix, Inc. Christiansted VI 00820 St. Croix
34496 First Commercial Bank (USA) Alhambra CA 91801 Los Angeles
34818 Legacy Bank Milwaukee WI 53206 Milwaukee

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