African-American Banks (As of June 30, 2015)
Asset Size

All

Under $100M

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

25

10

15
Earnings and Profitability: Percent of Average Assets
Noninterest Income

0.98

1.01

1.23
Noninterest Expense

4.92

5.08

4.97
Provision: Loan & Lease Losses

0.13

0.42

0.08
Realized Gains/Losses Sec

0.04

0.01

0.11
Net Operating Income

-0.40

-0.71

-0.24
Net Income

-0.42

-0.71

-0.27
Margin Analysis
Avg Earning Assets to Avg Assets

91.79

89.98

92.24
Net Int Inc-TE to Avg Earning Assets

3.92

4.02

3.84
Loan & Lease Analysis
Net Loss to Average Total LN & LS

0.84

1.79

0.53
LN & LS Allowance to Total LN & LS

2.56

2.47

2.75
Noncurrent Loans to Total Loans

7.64

10.38

6.97
Liquidity
Net Noncore Fund Dependence

9.24

4.65

12.28
Net Loans & Leases to Assets

62.89

62.58

62.89
Capitalization
Tier One Leverage Capital

8.48

8.50

8.51
Tier One RBC to Risk-Weight Assets

13.08

12.96

13.57
Total RBC to Risk-Weight Assets

14.34

14.21

14.84
Cash Dividends to Net Income

1.82

0.00

7.79
Growth Rates
Total Assets

-2.73

-2.81

-3.12
Tier One Capital

-4.32

-6.89

-5.04
Net Loans & Leases

1.66

-0.26

3.23
FRB ID RSSD Bank Name City State
2877484 ALAMERICA BK BIRMINGHAM AL
26176 BROADWAY FED BK FSB LOS ANGELES CA
268677 CARVER FSB NEW YORK NY
370833 CARVER ST BK SAVANNAH GA
55635 CITIZENS SVG B&TC NASHVILLE TN
680130 CITIZENS TR BK ATLANTA GA
567905 CITY NB OF NJ NEWARK NJ
596277 COLUMBIA S&LA MILWAUKEE WI
578237 COMMONWEALTH NB MOBILE AL
254849 FIRST INDEPENDENCE BK DETROIT MI
722227 FIRST ST BK DANVILLE VA
533124 HARBOR BK OF MD BALTIMORE MD
250476 ILLINOIS-SERVICE FS&LA CHICAGO IL
536527 INDUSTRIAL BK WASHINGTON DC
283438 LIBERTY B&TC NEW ORLEANS LA
332224 MECHANICS & FARMERS BK DURHAM NC
2496081 METRO BK LOUISVILLE KY
759540 NORTH MILWAUKEE ST BK MILWAUKEE WI
935308 ONEUNITED BK BOSTON MA
673431 SEAWAY B&TC CHICAGO IL
2794732 SOUTH CAROLINA CMNTY BK COLUMBIA SC
515054 TRI-STATE BK OF MEMPHIS MEMPHIS TN
1945247 UNITED BK OF PHILADELPHIA PHILADELPHIA PA
853251 UNITY NB OF HOUSTON HOUSTON TX
4184186 URBAN PARTSHP BK CHICAGO IL

Data compiled from the FFIEC website on September 3, 2015.

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