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Home > Peer Data > 2009 Data Tables > Multiracial American Banks: Under $100M (As of March 31, 2009)

Peer Data

Multiracial American Banks: Under $100M (As of March 31, 2009)
 
03/31/2009
03/31/2008
12/31/2008
12/31/2007
12/31/2006
Peer Group Information
NUMBER OF BANKS IN PEER GROUP
2
2
2
2
2
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME
0.15
0.78
0.60
0.83
0.84
NONINTEREST EXPENSE
4.11
7.17
5.74
8.38
12.08
PROVISION LOAN & LEASE LOSSES
1.04
1.75
0.52
0.42
0.67
REALIZED GAINS/LOSSES SEC
0.49
0.10
0.03
0.00
0.00
NET OPERATING INCOME
-1.70
-3.71
-2.13
-3.06
-6.58
NET INCOME
-1.70
-3.71
-2.13
-3.06
-6.58
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS
97.66
95.74
97.24
95.51
95.81
NET INT INC-TE TO AVG EARNING ASSET
2.89
4.02
3.22
4.38
5.16
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN & LS
2.60
0.03
-0.01
0.08
0.02
LN & LS ALLOWANCE TO TOTAL LN & LS
1.90
1.97
2.11
1.60
1.43
NON-CUR LN & LS TO GROSS LN & LS
3.33
0.30
1.70
2.03
0.00
Liquidity
NET NONCORE FUND DEPENDENCE
43.62
30.84
53.23
25.35
10.35
NET LOANS & LEASES TO ASSETS
47.02
65.97
51.20
66.59
70.18
Capitalization
TIER ONE LEVERAGE CAPITAL
10.05
13.39
10.22
14.79
30.29
TIER ONE RBC TO RISK-WEIGHT ASSETS
16.62
15.90
15.91
17.95
29.65
TOTAL RBC TO RISK-WEIGHT ASSETS
17.88
17.17
17.16
18.96
30.60
CASH DIVIDENDS TO NET INCOME
0.00
0.00
0.00
0.00
0.00
Growth Rates
ASSETS
46.70
65.95
60.95
68.37
-2.66
TIER ONE CAPITAL
14.90
-15.66
6.83
-17.87
-3.17
NET LOANS & LEASES
6.39
69.61
20.27
59.13
-6.20
Banks in Selected Peer Group
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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