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

Peer Data

Multiracial American 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
2
2
2
2
1
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME
0.68
0.95
0.83
0.84
0.64
NONINTEREST EXPENSE
6.00
8.77
8.38
12.08
5.75
PROVISION LOAN & LEASE LOSSES
0.64
0.36
0.42
0.67
0.23
REALIZED GAINS/LOSSES SEC
0.04
0.00
0.00
0.00
0.00
NET OPERATING INCOME
-2.25
-3.03
-3.06
-6.58
-0.30
NET INCOME
-2.25
-3.03
-3.06
-6.58
-0.30
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS
97.29
95.70
95.51
95.81
96.49
NET INT INC-TE TO AVG EARNING ASSET
3.32
4.60
4.38
5.16
5.10
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN & LS
-0.04
0.00
0.08
0.02
0.27
LN & LS ALLOWANCE TO TOTAL LN & LS
2.08
1.55
1.60
1.43
1.41
NON-CUR LN & LS TO GROSS LN & LS
1.34
2.23
2.03
0.00
0.00
Liquidity
NET NONCORE FUND DEPENDENCE
48.56
12.58
25.35
10.35
20.92
NET LOANS & LEASES TO ASSETS
56.11
69.38
66.59
70.18
62.95
Capitalization
TIER ONE LEVERAGE CAPITAL
9.07
17.48
14.79
30.29
20.15
TIER ONE RBC TO RISK-WEIGHT ASSETS
14.71
19.27
17.95
29.65
22.46
TOTAL RBC TO RISK-WEIGHT ASSETS
15.97
20.20
18.96
30.60
23.56
CASH DIVIDENDS TO NET INCOME
0.00
0.00
0.00
0.00
0.00
Growth Rates
ASSETS
61.63
67.61
68.37
-2.66
16.52
TIER ONE CAPITAL
-11.10
-16.18
-17.87
-3.17
-1.40
NET LOANS & LEASES
27.49
111.21
59.13
-6.20
-4.48
Banks in Selected Peer Group
Bank Name
RSSD
CERT
Assets
COMMUNITYS BANK
2914905
57041
48,368
LIBERTAD BANK SSB
3347911
58082
41,844
TOTAL ASSETS
-
-
90,212

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