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

Peer Data

Multiracial 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
3
3
3
3
3
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME
1.67
1.76
1.71
1.37
1.41
NONINTEREST EXPENSE
4.28
4.81
5.31
4.77
4.45
PROVISION LOAN & LEASE LOSSES
0.34
0.39
0.32
0.09
0.01
REALIZED GAINS/LOSSES SEC
0.00
-0.01
-0.01
-0.12
0.01
NET OPERATING INCOME
0.30
0.27
-0.21
0.03
0.34
NET INCOME
0.30
0.27
-0.21
0.03
0.34
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS
93.35
93.47
93.46
91.74
90.40
NET INT INC-TE TO AVG EARNING ASSET
3.61
4.24
4.17
4.36
4.04
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN & LS
0.20
0.42
0.35
0.07
0.13
LN & LS ALLOWANCE TO TOTAL LN & LS
0.99
1.00
0.95
0.98
1.12
NON-CUR LN & LS TO GROSS LN & LS
3.61
1.33
2.19
0.96
0.75
Liquidity
NET NONCORE FUND DEPENDENCE
51.09
46.69
43.25
20.30
32.67
NET LOANS & LEASES TO ASSETS
77.39
73.29
72.99
67.64
58.52
Capitalization
TIER ONE LEVERAGE CAPITAL
9.17
11.45
10.27
11.51
10.98
TIER ONE RBC TO RISK-WEIGHT ASSETS
12.39
15.54
14.51
17.34
18.84
TOTAL RBC TO RISK-WEIGHT ASSETS
13.41
16.55
15.50
18.31
19.93
CASH DIVIDENDS TO NET INCOME
21.72
0.00
0.00
0.00
0.00
Growth Rates
ASSETS
18.22
6.13
8.82
4.89
11.80
TIER ONE CAPITAL
-3.98
12.92
-2.92
11.17
3.18
NET LOANS & LEASES
23.98
19.03
20.56
20.94
21.44
Banks in Selected Peer Group
Bank Name
RSSD
CERT
Assets
ESPIRITO SANTO BANK
729132
21220
461,258
SUNSTATE BANK
2791085
34643
174,866
NEIGHBORHOOD NATIONAL BANK
2333140
34548
131,527
TOTAL ASSETS
-
-
767,651

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