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09/30/2008
|
09/30/2007
|
12/31/2007
|
12/31/2006
|
12/31/2005
|
|
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Peer Group Information | |||||
NUMBER OF BANKS IN PEER GROUP |
16
|
16
|
16
|
16
|
16
|
Earnings and Profitability: Percent of Average Assets | |||||
NONINTEREST INCOME |
2.01
|
1.82
|
1.69
|
1.65
|
1.77
|
NONINTEREST EXPENSE |
5.88
|
5.69
|
5.84
|
5.72
|
5.70
|
PROVISION LOAN & LEASE LOSSES |
0.31
|
0.33
|
0.50
|
0.59
|
0.66
|
REALIZED GAINS/LOSSES SEC |
-0.14
|
0.00
|
0.01
|
0.00
|
-0.00
|
NET OPERATING INCOME |
-0.59
|
-0.26
|
-0.66
|
-0.64
|
-0.16
|
NET INCOME |
-0.59
|
-0.26
|
-0.66
|
-0.64
|
-0.16
|
Margin Analysis | |||||
AVG EARNING ASSETS TO AVG ASSETS |
90.53
|
91.88
|
91.71
|
92.25
|
91.75
|
NET INT INC-TE TO AVG EARNING ASSET |
4.21
|
4.34
|
4.33
|
4.58
|
4.88
|
Loan & Lease Analysis | |||||
NET LOSS TO AVERAGE TOTAL LN & LS |
1.10
|
0.43
|
0.42
|
1.24
|
0.60
|
LN & LS ALLOWANCE TO TOTAL LN & LS |
1.82
|
1.85
|
2.21
|
1.80
|
2.15
|
NON-CUR LN & LS TO GROSS LN & LS |
5.34
|
4.86
|
5.48
|
4.13
|
3.75
|
Liquidity | |||||
NET NONCORE FUND DEPENDENCE |
24.02
|
16.14
|
17.38
|
16.85
|
15.32
|
NET LOANS & LEASES TO ASSETS |
66.53
|
63.87
|
64.18
|
63.59
|
63.78
|
Capitalization | |||||
TIER ONE LEVERAGE CAPITAL |
9.70
|
9.37
|
9.31
|
9.33
|
9.81
|
TIER ONE RBC TO RISK-WEIGHT ASSETS |
13.99
|
14.02
|
13.83
|
14.49
|
15.49
|
TOTAL RBC TO RISK-WEIGHT ASSETS |
15.37
|
15.42
|
15.24
|
15.68
|
16.66
|
CASH DIVIDENDS TO NET INCOME |
6.02
|
27.68
|
1.82
|
18.50
|
7.16
|
Growth Rates | |||||
ASSETS |
0.94
|
1.84
|
-0.34
|
5.19
|
9.51
|
TIER ONE CAPITAL |
3.28
|
0.50
|
0.98
|
4.36
|
23.65
|
NET LOANS & LEASES |
4.78
|
3.58
|
1.97
|
5.86
|
7.18
|
Bank Name |
RSSD
|
CERT
|
Assets
|
---|---|---|---|
EUROBANK |
110936
|
26725
|
98,832
|
CONSOLIDATED BANK & TRUST CO |
517423
|
11583
|
91,983
|
NORTH MILWAUKEE STATE BANK |
759540
|
20364
|
87,146
|
FIRST TUSKEGEE BANK |
1897168
|
33519
|
82,815
|
SOUTH CAROLINA CMTY BANK |
2794732
|
35241
|
81,182
|
CITIZENS SAVINGS B & T CO |
55635
|
10319
|
71,196
|
UNITED BANK OF PHILADELPHIA |
1945247
|
33568
|
71,104
|
COMMONWEALTH NATIONAL BANK |
578237
|
22229
|
70,890
|
UNITY NB OF HOUSTON |
853251
|
26351
|
57,118
|
CARVER STATE BANK |
370833
|
16584
|
40,750
|
GATEWAY BANK OF ST LOUIS |
182157
|
19450
|
35,476
|
COVENANT BANK |
533937
|
22476
|
33,811
|
LOUISVILLE CMTY DEVELOPMENT |
2496081
|
34308
|
32,816
|
FIRST STATE BANK |
722227
|
9502
|
27,819
|
UNITED BANK & TRUST CO |
1478307
|
33144
|
25,378
|
AMERICAN STATE BANK |
449850
|
20292
|
10,870
|
TOTAL ASSETS |
-
|
-
|
919,186
|
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