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12/31/2008
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12/31/2007
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12/31/2006
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12/31/2005
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12/31/2004
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Peer Group Information | |||||
NUMBER OF BANKS IN PEER GROUP |
2
|
2
|
2
|
1
|
1
|
Earnings and Profitability: Percent of Average Assets | |||||
NONINTEREST INCOME |
0.60
|
0.83
|
0.84
|
0.64
|
7.79
|
NONINTEREST EXPENSE |
5.63
|
8.38
|
12.08
|
5.75
|
5.41
|
PROVISION LOAN & LEASE LOSSES |
0.52
|
0.42
|
0.67
|
0.23
|
0.24
|
REALIZED GAINS/LOSSES SEC |
0.03
|
0.00
|
0.00
|
0.00
|
-0.59
|
NET OPERATING INCOME |
-1.96
|
-3.06
|
-6.58
|
-0.30
|
4.95
|
NET INCOME |
-1.96
|
-3.06
|
-6.58
|
-0.30
|
4.95
|
Margin Analysis | |||||
AVG EARNING ASSETS TO AVG ASSETS |
97.24
|
95.51
|
95.81
|
96.49
|
94.11
|
NET INT INC-TE TO AVG EARNING ASSET |
3.27
|
4.38
|
5.16
|
5.10
|
3.63
|
Loan & Lease Analysis | |||||
NET LOSS TO AVERAGE TOTAL LN & LS |
-0.01
|
0.08
|
0.02
|
0.27
|
0.03
|
LN & LS ALLOWANCE TO TOTAL LN & LS |
2.11
|
1.60
|
1.43
|
1.41
|
1.32
|
NON-CUR LN & LS TO GROSS LN & LS |
1.70
|
2.03
|
0.00
|
0.00
|
0.08
|
Liquidity | |||||
NET NONCORE FUND DEPENDENCE |
53.23
|
25.35
|
10.35
|
20.92
|
19.32
|
NET LOANS & LEASES TO ASSETS |
51.17
|
66.59
|
70.18
|
62.95
|
76.79
|
Capitalization | |||||
TIER ONE LEVERAGE CAPITAL |
10.27
|
14.79
|
30.29
|
20.15
|
21.50
|
TIER ONE RBC TO RISK-WEIGHT ASSETS |
15.97
|
17.95
|
29.65
|
22.46
|
26.98
|
TOTAL RBC TO RISK-WEIGHT ASSETS |
17.22
|
18.96
|
30.60
|
23.56
|
28.23
|
CASH DIVIDENDS TO NET INCOME |
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
Growth Rates | |||||
ASSETS |
61.02
|
68.37
|
-2.66
|
16.52
|
-39.49
|
TIER ONE CAPITAL |
7.32
|
-17.87
|
-3.17
|
-1.40
|
52.17
|
NET LOANS & LEASES |
20.27
|
59.13
|
-6.20
|
-4.48
|
35.03
|
FDIC Cert. Number | Institution Name | City | State | Zip | County |
---|---|---|---|---|---|
57041 | The Community's Bank | Bridgeport | CT | 06604 | Fairfield |
58082 | Libertad Bank SSB | Austin | TX | 78704 | Travis |
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