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Home > Peer Data > 2008 Data Tables > African-American Banks: $100M & Over (as of September 30, 2008)

Peer Data

African-American Banks: $100M & Over (as of September 30, 2008)
 
09/30/2008
09/30/2007
12/31/2007
12/31/2006
12/31/2005
Peer Group Information
NUMBER OF BANKS IN PEER GROUP
17
17
17
17
17
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME
0.85
0.87
0.91
0.92
1.01
NONINTEREST EXPENSE
3.54
3.35
3.46
3.53
3.85
PROVISION LOAN & LEASE LOSSES
0.44
0.12
0.15
0.16
0.17
REALIZED GAINS/LOSSES SEC
-0.61
-0.04
-0.04
-0.00
-0.04
NET OPERATING INCOME
0.00
0.95
0.88
0.97
0.82
NET INCOME
0.06
0.95
0.88
0.97
0.82
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS
95.09
94.97
94.97
95.14
94.63
NET INT INC-TE TO AVG EARNING ASSET
3.93
4.12
4.10
4.26
4.35
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN & LS
0.39
0.14
0.15
0.33
0.14
LN & LS ALLOWANCE TO TOTAL LN & LS
1.54
1.45
1.42
1.42
1.58
NON-CUR LN & LS TO GROSS LN & LS
3.53
2.44
2.46
1.71
1.71
Liquidity
NET NONCORE FUND DEPENDENCE
30.41
26.06
30.71
28.99
23.79
NET LOANS & LEASES TO ASSETS
63.63
60.32
62.11
61.70
59.81
Capitalization
TIER ONE LEVERAGE CAPITAL
8.63
9.10
9.11
9.57
9.39
TIER ONE RBC TO RISK-WEIGHT ASSETS
13.03
13.83
13.97
14.07
14.30
TOTAL RBC TO RISK-WEIGHT ASSETS
14.27
15.08
15.23
15.20
15.47
CASH DIVIDENDS TO NET INCOME
68.94
60.90
61.22
38.71
31.65
Growth Rates
ASSETS
5.72
8.21
6.05
7.27
9.19
TIER ONE CAPITAL
-0.88
6.22
4.29
9.08
9.65
NET LOANS & LEASES
13.24
6.85
7.49
10.12
9.62
Banks in Selected Peer Group
Bank Name
RSSD
CERT
Assets
ONEUNITED BANK
935308
23966
625,311
CITY NB OF NEW JERSEY
567905
21111
471,099
FIRST COMMERCIAL BANK USA
2332910
34496
437,511
LIBERTY BANK & TRUST CO
283438
20856
366,502
INDUSTRIAL BANK
536527
14679
365,302
SEAWAY BANK & TRUST CO
673431
19328
344,539
CITIZENS TRUST BANK
680130
8033
335,107
CAPITOL CITY BANK & TRUST CO
2243977
33938
295,507
HARBOR BANK OF MARYLAND
533124
24015
279,986
MECHANICS & FARMERS BANK
332224
12266
273,876
LEGACY BANK
2727990
34818
214,828
FIRST INDEPENDENCE BANK
254849
20179
203,926
TRI-STATE BANK OF MEMPHIS
515054
16511
122,569
HIGHLAND COMMUNITY BANK
76135
20290
111,438
ALAMERICA BANK
2877484
35314
106,216
DETROIT COMMERCE BANK
2716613
34919
102,736
BANK OF ST CROIX INC
2281371
33990
100,327
TOTAL ASSETS
-
-
4,756,780

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