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03/31/2009
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03/31/2008
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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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Peer Group Information | |||||
NUMBER OF BANKS IN PEER GROUP |
17
|
17
|
17
|
17
|
17
|
Earnings and Profitability: Percent of Average Assets | |||||
NONINTEREST INCOME |
0.94
|
1.23
|
1.82
|
1.62
|
1.57
|
NONINTEREST EXPENSE |
5.71
|
5.39
|
5.97
|
5.61
|
5.67
|
PROVISION LOAN & LEASE LOSSES |
0.36
|
0.06
|
0.56
|
0.47
|
0.56
|
REALIZED GAINS/LOSSES SEC |
0.05
|
0.02
|
0.01
|
0.00
|
0.00
|
NET OPERATING INCOME |
-1.42
|
-0.54
|
-1.00
|
-0.48
|
-0.57
|
NET INCOME |
-1.42
|
-0.54
|
-1.00
|
-0.48
|
-0.57
|
Margin Analysis | |||||
AVG EARNING ASSETS TO AVG ASSETS |
91.03
|
90.83
|
90.79
|
92.07
|
92.62
|
NET INT INC-TE TO AVG EARNING ASSET |
4.01
|
4.12
|
4.12
|
4.33
|
4.62
|
Loan & Lease Analysis | |||||
NET LOSS TO AVERAGE TOTAL LN & LS |
0.41
|
1.29
|
1.27
|
0.39
|
1.18
|
LN & LS ALLOWANCE TO TOTAL LN & LS |
1.84
|
1.99
|
1.76
|
2.18
|
1.78
|
NON-CUR LN & LS TO GROSS LN & LS |
5.59
|
4.61
|
5.18
|
5.16
|
3.89
|
Liquidity | |||||
NET NONCORE FUND DEPENDENCE |
29.67
|
17.51
|
28.99
|
19.43
|
18.60
|
NET LOANS & LEASES TO ASSETS |
65.02
|
62.05
|
65.43
|
62.54
|
63.76
|
Capitalization | |||||
TIER ONE LEVERAGE CAPITAL |
8.51
|
9.91
|
8.91
|
9.50
|
9.74
|
TIER ONE RBC TO RISK-WEIGHT ASSETS |
13.57
|
15.39
|
13.76
|
14.58
|
14.83
|
TOTAL RBC TO RISK-WEIGHT ASSETS |
14.97
|
16.74
|
15.10
|
15.99
|
16.03
|
CASH DIVIDENDS TO NET INCOME |
38.76
|
42.45
|
97.92
|
7.60
|
23.29
|
Growth Rates | |||||
ASSETS |
4.05
|
5.17
|
6.70
|
2.41
|
3.32
|
TIER ONE CAPITAL |
-5.97
|
6.42
|
1.47
|
3.55
|
1.85
|
NET LOANS & LEASES |
14.86
|
1.50
|
12.79
|
0.68
|
5.83
|
FDIC Cert. Number | Institution Name | City | State | Zip | County |
---|---|---|---|---|---|
9502 | First State Bank | Danville | VA | 24541 | Danville City |
10319 | Citizens Savings Bank and Trust Company | Nashville | TN | 37208 | Davidson |
11583 | Consolidated Bank and Trust Company | Richmond | VA | 23261 | Richmond City |
16584 | The Carver State Bank | Savannah | GA | 31402 | Chatham |
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 |
22229 | Commonwealth National Bank | Mobile | AL | 36652 | Mobile |
22476 | Covenant Bank | Chicago | IL | 60624 | Cook |
26351 | Unity National Bank of Houston | Houston | TX | 77004 | Harris |
26725 | EuroBank | Coral Gables | FL | 33134 | Miami-dade |
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 |
34308 | Louisville Community Development Bank | Louisville | KY | 40251 | Jefferson |
35241 | South Carolina Community Bank | Columbia | SC | 29202 | Richland |
35314 | Alamerica Bank | Birmingham | AL | 35205 | Jefferson |
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