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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 |
8
|
8
|
8
|
8
|
8
|
Earnings and Profitability: Percent of Average Assets | |||||
NONINTEREST INCOME |
1.34
|
1.40
|
1.30
|
2.49
|
2.21
|
NONINTEREST EXPENSE |
4.32
|
4.34
|
4.25
|
4.80
|
4.38
|
PROVISION LOAN & LEASE LOSSES |
1.11
|
0.33
|
0.24
|
0.24
|
0.31
|
REALIZED GAINS/LOSSES SEC |
0.01
|
0.00
|
-0.02
|
-0.01
|
-0.01
|
NET OPERATING INCOME |
-0.07
|
0.83
|
0.61
|
1.19
|
1.07
|
NET INCOME |
-0.07
|
0.83
|
1.42
|
1.19
|
1.07
|
Margin Analysis | |||||
AVG EARNING ASSETS TO AVG ASSETS |
92.55
|
91.93
|
91.87
|
91.13
|
91.62
|
NET INT INC-TE TO AVG EARNING ASSET |
4.52
|
4.82
|
4.75
|
4.77
|
4.37
|
Loan & Lease Analysis | |||||
NET LOSS TO AVERAGE TOTAL LN & LS |
0.98
|
0.48
|
0.24
|
0.31
|
0.27
|
LN & LS ALLOWANCE TO TOTAL LN & LS |
1.68
|
1.29
|
1.34
|
1.40
|
1.46
|
NON-CUR LN & LS TO GROSS LN & LS |
3.83
|
1.68
|
2.77
|
1.97
|
1.65
|
Liquidity | |||||
NET NONCORE FUND DEPENDENCE |
21.99
|
19.93
|
18.77
|
13.71
|
13.40
|
NET LOANS & LEASES TO ASSETS |
67.67
|
69.10
|
69.21
|
65.37
|
66.05
|
Capitalization | |||||
TIER ONE LEVERAGE CAPITAL |
10.03
|
11.09
|
10.82
|
10.33
|
9.60
|
TIER ONE RBC TO RISK-WEIGHT ASSETS |
13.66
|
14.84
|
15.30
|
15.07
|
14.52
|
TOTAL RBC TO RISK-WEIGHT ASSETS |
14.90
|
15.94
|
16.40
|
16.20
|
15.67
|
CASH DIVIDENDS TO NET INCOME |
13.62
|
26.06
|
25.09
|
21.74
|
26.23
|
Growth Rates | |||||
ASSETS |
12.20
|
4.15
|
10.69
|
7.55
|
7.84
|
TIER ONE CAPITAL |
0.40
|
6.13
|
18.31
|
13.10
|
12.14
|
NET LOANS & LEASES |
9.28
|
3.89
|
20.20
|
8.25
|
17.21
|
FDIC Cert. Number | Institution Name | City | State | Zip | County |
---|---|---|---|---|---|
1417 | Woodlands National Bank | Hinckley | MN | 55037 | Pine |
4624 | American Bank of Baxter Springs | Baxter Springs | KS | 66713 | Cherokee |
12761 | Farmers & Merchants Bank | Crescent | OK | 73028 | Logan |
20568 | Lumbee Guaranty Bank | Pembroke | NC | 28372 | Robeson |
24080 | Borrego Springs Bank, National Association | La Mesa | CA | 91941 | San Diego |
25738 | First National Bank and Trust Company | Shawnee | OK | 74802 | Pottawatomie |
34052 | Bay Bank | Green Bay | WI | 54313 | Brown |
34692 | Canyon National Bank | Palm Springs | CA | 92264 | Riverside |
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