African-American Banks (As of March 31, 2014)
Asset Size

All

Under $100M

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

28

12

16
Earnings and Profitability: Percent of Average Assets
Noninterest Income

0.93

1.06

1.06
Noninterest Expense

4.73

5.11

4.58
Provision: Loan & Lease Losses

0.39

0.88

0.36
Realized Gains/Losses Sec

0.02

0.02

0.04
Net Operating Income

-0.43

-1.09

-0.24
Net Income

-0.44

-1.09

-0.26
Margin Analysis
Avg Earning Assets to Avg Assets

91.24

89.23

92.09
Net Int Inc-TE to Avg Earning Assets

4.03

4.28

3.86
Loan & Lease Analysis
Net Loss to Average Total LN & LS

0.74

0.64

0.92
LN & LS Allowance to Total LN & LS

2.89

2.72

3.32
Noncurrent Loans to Total Loans

7.08

7.35

7.30
Liquidity
Net Noncore Fund Dependence

9.74

3.85

13.25
Net Loans & Leases to Assets

58.72

59.11

58.40
Capitalization
Tier One Leverage Capital

8.14

8.39

8.08
Tier One RBC to Risk-Weight Assets

13.15

12.95

13.75
Total RBC to Risk-Weight Assets

14.47

14.17

15.15
Cash Dividends to Net Income

0.90

0.00

9.05
Growth Rates
Total Assets

-2.85

-4.46

-1.80
Tier One Capital

-7.11

-7.41

-7.33
Net Loans & Leases

-0.12

-3.38

1.30
Banks in Selected Peer Group
FRB ID RSSD Institution Name City State
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
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 ASSOCIATION  CHICAGO  IL
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
4184186 URBAN PARTNERSHIP BANK  CHICAGO  IL

Data compiled from the FFIEC website on May 28, 2014.

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