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06/30/2009
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06/30/2008
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12/31/2008
|
12/31/2007
|
12/31/2006
|
|
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Peer Group Information | |||||
NUMBER OF BANKS IN PEER GROUP |
30
|
30
|
30
|
30
|
30
|
Earnings and Profitability: Percent of Average Assets | |||||
NONINTEREST INCOME |
0.93
|
1.05
|
1.27
|
1.26
|
1.23
|
NONINTEREST EXPENSE |
4.43
|
4.51
|
4.76
|
4.46
|
4.48
|
PROVISION LOAN & LEASE LOSSES |
0.58
|
0.19
|
0.61
|
0.24
|
0.32
|
REALIZED GAINS/LOSSES SEC |
0.10
|
0.04
|
-0.02
|
-0.01
|
0.00
|
NET OPERATING INCOME |
-0.37
|
0.04
|
-0.39
|
0.24
|
0.29
|
NET INCOME |
-0.37
|
0.09
|
-0.36
|
0.24
|
0.29
|
Margin Analysis | |||||
AVG EARNING ASSETS TO AVG ASSETS |
92.41
|
92.83
|
92.86
|
93.68
|
93.78
|
NET INT INC-TE TO AVG EARNING ASSET |
3.84
|
4.03
|
4.02
|
4.16
|
4.36
|
Loan & Lease Analysis | |||||
NET LOSS TO AVERAGE TOTAL LN & LS |
0.74
|
0.66
|
0.82
|
0.20
|
0.60
|
LN & LS ALLOWANCE TO TOTAL LN & LS |
1.83
|
1.57
|
1.76
|
1.78
|
1.54
|
NON-CUR LN & LS TO GROSS LN & LS |
5.87
|
3.38
|
5.06
|
3.78
|
2.71
|
Liquidity | |||||
NET NONCORE FUND DEPENDENCE |
29.93
|
25.38
|
31.18
|
23.47
|
23.21
|
NET LOANS & LEASES TO ASSETS |
64.13
|
63.66
|
65.13
|
61.73
|
62.52
|
Capitalization | |||||
TIER ONE LEVERAGE CAPITAL |
8.75
|
9.26
|
8.78
|
9.08
|
9.26
|
TIER ONE RBC TO RISK-WEIGHT ASSETS |
13.19
|
13.93
|
13.04
|
13.73
|
14.14
|
TOTAL RBC TO RISK-WEIGHT ASSETS |
14.42
|
15.12
|
14.27
|
14.97
|
15.30
|
CASH DIVIDENDS TO NET INCOME |
4.46
|
37.49
|
11.09
|
28.07
|
30.67
|
Growth Rates | |||||
ASSETS |
5.03
|
2.07
|
5.34
|
2.36
|
6.31
|
TIER ONE CAPITAL |
1.91
|
5.35
|
1.94
|
2.40
|
6.82
|
NET LOANS & LEASES |
2.09
|
8.65
|
8.35
|
4.10
|
8.06
|
FDIC Cert. Number | Institution Name | City | State | Zip | County |
---|---|---|---|---|---|
8033 | Citizens Trust Bank | Atlanta | GA | 30302 | Fulton |
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 |
12266 | Mechanics & Farmers Bank | Durham | NC | 27702 | Durham |
14679 | Industrial Bank | Oxon Hill | MD | 20745 | District Of Columbia |
16511 | Tri-State Bank of Memphis | Memphis | TN | 38101 | Shelby |
16584 | The Carver State Bank | Savannah | GA | 31402 | Chatham |
19328 | Seaway Bank and Trust Company | Chicago | IL | 60619 | Cook |
19450 | Gateway Bank of St. Louis | Saint Louis | MO | 63115 | Saint Louis (city) |
20179 | First Independence Bank | Detroit | MI | 48226 | Wayne |
20292 | American State Bank | Tulsa | OK | 74106 | Tulsa |
20290 | Highland Community Bank | Chicago | IL | 60620 | Cook |
20364 | North Milwaukee State Bank | Milwaukee | WI | 53216 | Milwaukee |
20856 | Liberty Bank and Trust Company | New Orleans | LA | 70160 | Orleans |
21111 | City National Bank of New Jersey | Newark | NJ | 07102 | Essex |
22229 | Commonwealth National Bank | Mobile | AL | 36652 | Mobile |
22476 | Covenant Bank | Chicago | IL | 60624 | Cook |
23966 | OneUnited Bank | Boston | MA | 02110 | Suffolk |
24015 | The Harbor Bank of Maryland | Baltimore | MD | 21201 | Baltimore City |
26351 | Unity National Bank of Houston | Houston | TX | 77004 | Harris |
33519 | First Tuskegee Bank | Tuskegee | AL | 36088 | Macon |
33568 | United Bank of Philadelphia | Philadelphia | PA | 19102 | Philadelphia |
33938 | Capitol City Bank & Trust Company | Atlanta | GA | 30310 | Fulton |
33990 | Bank of St. Croix, Inc. | Christiansted | VI | 00820 | St. Croix |
34308 | Louisville Community Development Bank | Louisville | KY | 40251 | Jefferson |
34496 | First Commercial Bank (USA) | Alhambra | CA | 91801 | Los Angeles |
34818 | Legacy Bank | Milwaukee | WI | 53206 | Milwaukee |
35241 | South Carolina Community Bank | Columbia | SC | 29202 | Richland |
35314 | Alamerica Bank | Birmingham | AL | 35205 | Jefferson |
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