African-American Banks (As of September 30, 2012)
Asset Size

All

Under $100M

Over $100M
Peer Group Information
Number of Banks in Peer Group

30

16

14
Earnings and Profitability: Percent of Average Assets
Noninterest Income

0.78

0.83

1.07
Noninterest Expense

4.50

4.97

4.13
Provision: Loan & Lease Losses

0.40

0.45

0.48
Realized Gains/Losses Sec

0.08

0.07

0.15
Net Operating Income

-0.30

-0.76

0.06
Net Income

-0.30

-0.76

0.03
Margin Analysis
Avg Earning Assets to Avg Assets

91.16

89.99

92.10
Net Int Inc-TE to Avg Earning Assets

4

4.19

3.73
Loan & Lease Analysis
Net Loss to Average Total LN & LS

0.83

0.72

1.09
LN & LS Allowance to Total LN & LS

2.59

2.63

2.74
Noncurrent Loans to Total Loans

8.53

7.66

10.04
Liquidity
Net Noncore Fund Dependence

10.50

6.39

14.35
Net Loans & Leases to Assets

60.15

62.56

57.19
Capitalization
Tier One Leverage Capital

8.15

8.14

8.65
Tier One RBC to Risk-Weight Assets

13.10

12.55

14.17
Total RBC to Risk-Weight Assets

14.34

13.70

15.52
Cash Dividends to Net Income

1.35

0.00

8.48
Growth Rates
Total Assets

-1.42

-2.14

0.85
Tier One Capital

-2.62

-10.28

2.32
Net Loans & Leases

-2.65

-2.23

-1.75
Banks in Selected Peer Group
FRB ID RSSD Institution Name City State
405173 ADVANCE BANK BALTIMORE MD
2877484 ALAMERICA BANK BIRMINGHAM AL
26176 BROADWAY FEDERAL BANK, F.S.B. LOS ANGELES CA
2243977 CAPITOL CITY BANK & TRUST COMPANY ATLANTA GA
268677 CARVER FEDERAL SAVINGS BANK NEW YORK NY
370833 CARVER STATE BANK SAVANNAH GA
55635 CITIZENS SAVINGS BANK AND TRUST COMPANY NASHVILLE TN
680130 CITIZENS TRUST BANK ATLANTA GA
567905 CITY NATIONAL BANK OF NEW JERSEY NEWARK NJ
596277 COLUMBIA SAVINGS AND LOAN ASSOCIATION MILWAUKEE WI
578237 COMMONWEALTH NATIONAL BANK MOBILE AL
533937 COVENANT BANK CHICAGO IL
254849 FIRST INDEPENDENCE BANK DETROIT MI
722227 FIRST STATE BANK DANVILLE VA
1897168 FIRST TUSKEGEE BANK TUSKEGEE AL
533124 HARBOR BANK OF MARYLAND, THE BALTIMORE MD
76135 HIGHLAND COMMUNITY BANK CHICAGO IL
250476 ILLINOIS-SERVICE FEDERAL SAVINGS AND LOAN CHICAGO IL
492173 INDEPENDENCE FEDERAL SAVINGS BANK WASHINGTON DC
536527 INDUSTRIAL BANK WASHINGTON DC
283438 LIBERTY BANK AND TRUST COMPANY NEW ORLEANS LA
332224 MECHANICS & FARMERS BANK DURHAM NC
2496081 METRO BANK LOUISVILLE KY
759540 NORTH MILWAUKEE STATE BANK MILWAUKEE WI
935308 ONEUNITED BANK BOSTON MA
673431 SEAWAY BANK AND TRUST COMPANY CHICAGO IL
2794732 SOUTH CAROLINA COMMUNITY BANK COLUMBIA SC
515054 TRI-STATE BANK OF MEMPHIS MEMPHIS TN
1945247 UNITED BANK OF PHILADELPHIA PHILADELPHIA PA
853251 UNITY NATIONAL BANK OF HOUSTON HOUSTON TX

Data compiled from the FFIEC website on September 30, 2012.

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