African-American Banks (As of September 30, 2016)
Asset Size

All

Under $100M

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

25

9

16
Earnings and Profitability: Percent of Average Assets
Noninterest Income

1.04

1.24

1.21
Noninterest Expense

4.99

5.33

4.91
Provision: Loan & Lease Losses

0.14

0.01

0.31
Realized Gains/Losses Sec

0.03

0.03

0.04
Net Operating Income

-0.42

-0.30

-0.57
Net Income

-0.44

-0.30

-0.59
Margin Analysis
Avg Earning Assets to Avg Assets

91.04

89.15

91.71
Net Int Inc-TE to Avg Earning Assets

3.92

4.26

3.72
Loan & Lease Analysis
Net Loss to Average Total LN & LS

0.51

0.09

1.04
LN & LS Allowance to Total LN & LS

1.80

1.81

1.86
Noncurrent Loans to Total Loans

4.68

6.64

4.04
Liquidity
Net Noncore Fund Dependence

6.08

2.71

6.33
Net Loans & Leases to Assets

63.53

61.86

64.16
Capitalization
Tier One Leverage Capital

8.95

9.27

8.83
Tier One RBC to Risk-Weight Assets

13.72

14.33

13.72
Total RBC to Risk-Weight Assets

14.93

15.54

14.93
Cash Dividends to Net Income

5.62

0.00

27.46
Growth Rates
Total Assets

-2.16

-3.87

-0.21
Tier One Capital

-2.30

-2.22

4.23
Net Loans & Leases

-0.32

-3.16

3.32
FDIC CERT # FRB ID_RSSD Bank Name City State
35314 2877484 ALAMERICA BK BIRMINGHAM AL
30306 26176 BROADWAY FED BK FSB LOS ANGELES CA
30394 268677 CARVER FSB NEW YORK NY
16584 370833 CARVER ST BK SAVANNAH GA
10319 55635 CITIZENS SVG B&TC NASHVILLE TN
8033 680130 CITIZENS TR BK ATLANTA GA
21111 567905 CITY NB OF NJ NEWARK NJ
28480 596277 COLUMBIA S&LA MILWAUKEE WI
22229 578237 COMMONWEALTH NB MOBILE AL
20179 254849 FIRST INDEPENDENCE BK DETROIT MI
9502 722227 FIRST ST BK DANVILLE VA
18301 524766 FIRST ST BK SHALLOWATER TX
24015 533124 HARBOR BK OF MD BALTIMORE MD
29399 250476 ILLINOIS-SERVICE FS&LA CHICAGO IL
14679 536527 INDUSTRIAL BK WASHINGTON DC
20856 283438 LIBERTY B&TC NEW ORLEANS LA
12266 332224 MECHANICS & FARMERS BK DURHAM NC
34308 2496081 METRO BK LOUISVILLE KY
23966 935308 ONEUNITED BK BOSTON MA
19328 673431 SEAWAY B&TC CHICAGO IL
35241 2794732 SOUTH CAROLINA CMNTY BK COLUMBIA SC
16511 515054 TRI-STATE BK OF MEMPHIS MEMPHIS TN
33568 1945247 UNITED BK OF PHILADELPHIA PHILADELPHIA PA
26351 853251 UNITY NB OF HOUSTON HOUSTON TX
59051 4184186 URBAN PARTSHP BK CHICAGO IL

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