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Peer Data

All Minority Banks: Under $100M (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
73
69
72
59
48
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME
0.77
0.80
0.80
0.97
1.12
NONINTEREST EXPENSE
5.48
6.98
8.49
7.99
6.33
PROVISION LOAN & LEASE LOSSES
0.49
0.33
0.44
0.45
0.37
REALIZED GAINS/LOSSES SEC
0.02
0.00
0.00
-0.00
-0.00
NET OPERATING INCOME
-1.46
-2.02
-3.76
-2.75
-0.78
NET INCOME
-1.44
-2.02
-3.75
-2.75
-0.78
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS
92.38
92.48
91.86
92.48
91.88
NET INT INC-TE TO AVG EARNING ASSET
3.89
4.65
4.50
4.84
4.71
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN & LS
0.40
0.11
0.16
0.24
0.27
LN & LS ALLOWANCE TO TOTAL LN & LS
1.54
1.37
1.47
1.41
1.63
NON-CUR LN & LS TO GROSS LN & LS
2.42
1.54
1.62
1.71
1.78
Liquidity
NET NONCORE FUND DEPENDENCE
22.85
-5.26
1.69
1.75
11.94
NET LOANS & LEASES TO ASSETS
67.29
57.53
59.50
58.14
59.43
Capitalization
TIER ONE LEVERAGE CAPITAL
15.99
19.25
19.60
20.13
14.25
TIER ONE RBC TO RISK-WEIGHT ASSETS
22.31
30.02
31.15
31.39
22.68
TOTAL RBC TO RISK-WEIGHT ASSETS
23.44
31.07
32.20
32.41
23.77
CASH DIVIDENDS TO NET INCOME
7.88
7.89
8.00
14.22
18.00
Growth Rates
ASSETS
16.61
17.99
15.61
7.23
7.47
TIER ONE CAPITAL
-2.02
-0.86
-1.40
4.12
10.45
NET LOANS & LEASES
59.02
31.22
29.44
17.55
4.85
Banks in Selected Peer Group
FDIC Cert. Number Institution Name City State Zip County
422 Bank of Commerce Stilwell OK 74960 Adair
2327 Bank of Cherokee County Hulbert OK 74441 Cherokee
2320 Peoples Bank Westville OK 74965 Adair
3337 Texas National Bank Mercedes TX 78570 Hidalgo
4051 AllNations Bank Calumet OK 73014 Canadian
4180 First State Bank of Porter Porter OK 74454 Wagoner
9502 First State Bank Danville VA 24541 Danville City
10319 Citizens Savings Bank and Trust Company Nashville TN 37208 Davidson
11521 Bank 2 Oklahoma City OK 73108 Oklahoma
11583 Consolidated Bank and Trust Company Richmond VA 23261 Richmond City
15611 Oklahoma State Bank Vinita OK 74301 Craig
16584 The Carver State Bank Savannah GA 31402 Chatham
18301 First State Bank Shallowater TX 79363 Lubbock
19450 Gateway Bank of St. Louis Saint Louis MO 63115 Saint Louis (city)
20292 American State Bank Tulsa OK 74106 Tulsa
20364 North Milwaukee State Bank Milwaukee WI 53216 Milwaukee
20448 Pan American Bank Los Angeles CA 90022 Los Angeles
21090 Fort Gibson State Bank Fort Gibson OK 74434 Muskogee
22229 Commonwealth National Bank Mobile AL 36652 Mobile
22476 Covenant Bank Chicago IL 60624 Cook
22657 Citizens State Bank Roma TX 78584 Starr
26351 Unity National Bank of Houston Houston TX 77004 Harris
26725 EuroBank Coral Gables FL 33134 Miami-dade
26727 Bank of South Texas Mcallen TX 78504 Hidalgo
27421 F & M Bank, National Association, Oklahoma City, Oklahoma Yukon OK 73099 Canadian
31762 Greater South Texas Bank Falfurrias TX 78355 Brooks
32277 Eastern International Bank Los Angeles CA 90012 Los Angeles
33013 Asian Pacific National Bank San Gabriel CA 91776 Los Angeles
33144 United Bank and Trust Company New Orleans LA 70119 Orleans
33519 First Tuskegee Bank Tuskegee AL 36088 Macon
33568 United Bank of Philadelphia Philadelphia PA 19102 Philadelphia
33872 Great Eastern Bank of Florida Miami FL 33166 Miami-dade
34112 Premier Bank Denver CO 80202 Denver
34146 People's Bank of Seneca Seneca MO 64865 Newton
34308 Louisville Community Development Bank Louisville KY 40251 Jefferson
34334 American Metro Bank Chicago IL 60640 Cook
34658 Citizens Bank and Trust Company of Chicago Chicago IL 60646 Cook
34759 Asian Bank Philadelphia PA 19105 Philadelphia
35208 Banco Popular, National Association Rosemont IL 60018 Orange
35241 South Carolina Community Bank Columbia SC 29202 Richland
57041 The Community's Bank Bridgeport CT 06604 Fairfield
57083 Plus International Bank Miami FL 33131 Miami-dade
57198 American Premier Bank Arcadia CA 91006 Los Angeles
57759 All American Bank Des Plaines IL 60016 Cook
57871 MoreBank Philadelphia PA 19126 Philadelphia
57885 First Vietnamese American Bank Westminster CA 92683 Orange
57901 One World Bank Dallas TX 75229 Dallas
57915 Bank of Grove Grove OK 74344 Delaware
57966 First Choice Bank Cerritos CA 90703 Los Angeles
57974 Saigon National Bank Westminster CA 92683 Orange
58082 Libertad Bank SSB Austin TX 78704 Travis
58203 NewBank Flushing NY 11354 Queens
58234 Pacific Alliance Bank Rosemead CA 91770 Los Angeles
58231 Ohana Pacific Bank Honolulu HI 96814 Honolulu
58261 Premier Business Bank Los Angeles CA 90017 Los Angeles
58253 Asian Bank of Arizona Phoenix AZ 85008 Maricopa
58252 Sonoran Bank, N.A. Phoenix AZ 85014 Maricopa
58263 Global Bank New York NY 10002 New York
58282 Eagle Bank Polson MT 59860 Lake
58305 Plaza Bank Seattle WA 98101 King
58340 Lotus Bank Novi MI 48374 Oakland
58349 PROMERICA Bank Los Angeles CA 90017 Los Angeles
58348 Millennium Bank Des Plaines IL 60016 Cook
58390 Santa Ana Business Bank Santa Ana CA 92701 Orange
58377 Central Bank Tampa FL 33647 Hillsborough
58401 Mega Bank San Gabriel CA 91776 Los Angeles
58391 Golden Coast Bank Long Beach CA 90813 Los Angeles
58418 Nevada National Bank Las Vegas NV 89146 Clark
58469 American Plus Bank, N.A. Arcadia CA 91007 Los Angeles
58499 First Asian Bank Las Vegas NV 89146 Clark
58550 Nuestro Banco Raleigh NC 27603 Wake
58586 Turtle Mountain State Bank Belcourt ND 58316 Rolette
58584 American Pride Bank Macon GA 31210 Bibb

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