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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 |
5
|
5
|
5
|
5
|
5
|
Earnings and Profitability: Percent of Average Assets | |||||
NONINTEREST INCOME |
0.86
|
1.14
|
1.21
|
1.36
|
1.16
|
NONINTEREST EXPENSE |
3.80
|
5.61
|
4.91
|
6.54
|
7.69
|
PROVISION LOAN & LEASE LOSSES |
1.53
|
0.84
|
0.84
|
0.36
|
0.32
|
REALIZED GAINS/LOSSES SEC |
0.27
|
0.04
|
0.03
|
-0.01
|
-0.07
|
NET OPERATING INCOME |
-1.35
|
-1.44
|
-1.11
|
-1.35
|
-2.61
|
NET INCOME |
-1.22
|
-1.44
|
-1.11
|
-1.35
|
-2.61
|
Margin Analysis | |||||
AVG EARNING ASSETS TO AVG ASSETS |
96.62
|
95.30
|
95.58
|
94.67
|
93.37
|
NET INT INC-TE TO AVG EARNING ASSET |
2.90
|
3.87
|
3.40
|
4.23
|
4.68
|
Loan & Lease Analysis | |||||
NET LOSS TO AVERAGE TOTAL LN & LS |
1.81
|
0.07
|
0.47
|
0.24
|
0.05
|
LN & LS ALLOWANCE TO TOTAL LN & LS |
1.69
|
1.37
|
1.60
|
1.21
|
1.16
|
NON-CUR LN & LS TO GROSS LN & LS |
3.65
|
1.10
|
2.23
|
2.13
|
0.58
|
Liquidity | |||||
NET NONCORE FUND DEPENDENCE |
40.41
|
38.38
|
50.33
|
36.09
|
16.32
|
NET LOANS & LEASES TO ASSETS |
63.39
|
70.34
|
66.56
|
70.43
|
68.65
|
Capitalization | |||||
TIER ONE LEVERAGE CAPITAL |
9.33
|
11.26
|
9.15
|
12.08
|
19.02
|
TIER ONE RBC TO RISK-WEIGHT ASSETS |
14.61
|
14.61
|
13.48
|
15.88
|
22.26
|
TOTAL RBC TO RISK-WEIGHT ASSETS |
15.82
|
15.71
|
14.66
|
16.89
|
23.23
|
CASH DIVIDENDS TO NET INCOME |
0.00
|
-103.53
|
-7.19
|
0.00
|
0.00
|
Growth Rates | |||||
ASSETS |
28.61
|
35.75
|
34.13
|
32.64
|
1.87
|
TIER ONE CAPITAL |
14.73
|
-8.92
|
1.18
|
-8.90
|
5.44
|
NET LOANS & LEASES |
13.21
|
40.28
|
21.16
|
35.98
|
10.09
|
FDIC Cert. Number | Institution Name | City | State | Zip | County |
---|---|---|---|---|---|
21220 | Espirito Santo Bank | Miami | FL | 33131 | Miami-dade |
34548 | Neighborhood National Bank | San Diego | CA | 92113 | San Diego |
34643 | Sunstate Bank | Miami | FL | 33176 | Miami-dade |
57041 | The Community's Bank | Bridgeport | CT | 06604 | Fairfield |
58082 | Libertad Bank SSB | Austin | TX | 78704 | Travis |
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