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06/30/2009
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06/30/2008
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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 |
15
|
15
|
15
|
15
|
15
|
Earnings and Profitability: Percent of Average Assets | |||||
NONINTEREST INCOME |
1.17
|
1.27
|
1.82
|
1.62
|
1.58
|
NONINTEREST EXPENSE |
5.54
|
5.43
|
5.95
|
5.47
|
5.53
|
PROVISION LOAN & LEASE LOSSES |
0.69
|
0.20
|
0.64
|
0.53
|
0.62
|
REALIZED GAINS/LOSSES SEC |
0.09
|
0.03
|
0.01
|
0.01
|
0.00
|
NET OPERATING INCOME |
-1.37
|
-0.71
|
-1.09
|
-0.44
|
-0.52
|
NET INCOME |
-1.37
|
-0.71
|
-1.09
|
-0.44
|
-0.52
|
Margin Analysis | |||||
AVG EARNING ASSETS TO AVG ASSETS |
90.13
|
90.67
|
90.71
|
92.20
|
92.55
|
NET INT INC-TE TO AVG EARNING ASSET |
3.99
|
4.04
|
4.04
|
4.26
|
4.58
|
Loan & Lease Analysis | |||||
NET LOSS TO AVERAGE TOTAL LN & LS |
0.91
|
1.42
|
1.38
|
0.44
|
1.20
|
LN & LS ALLOWANCE TO TOTAL LN & LS |
1.93
|
1.87
|
1.89
|
2.30
|
1.80
|
NON-CUR LN & LS TO GROSS LN & LS |
6.21
|
4.28
|
5.59
|
5.40
|
4.19
|
Liquidity | |||||
NET NONCORE FUND DEPENDENCE |
30.46
|
23.45
|
28.91
|
19.44
|
20.52
|
NET LOANS & LEASES TO ASSETS |
64.29
|
63.96
|
64.91
|
61.83
|
64.50
|
Capitalization | |||||
TIER ONE LEVERAGE CAPITAL |
8.37
|
9.81
|
9.02
|
9.60
|
9.95
|
TIER ONE RBC TO RISK-WEIGHT ASSETS |
13.81
|
15.69
|
14.09
|
14.94
|
15.24
|
TOTAL RBC TO RISK-WEIGHT ASSETS |
14.94
|
16.85
|
15.24
|
16.15
|
16.45
|
CASH DIVIDENDS TO NET INCOME |
4,923.51
|
13.23
|
110.97
|
8.61
|
26.40
|
Growth Rates | |||||
ASSETS |
9.73
|
-2.23
|
7.13
|
2.00
|
4.25
|
TIER ONE CAPITAL |
-5.73
|
5.81
|
2.18
|
1.70
|
3.32
|
NET LOANS & LEASES |
17.68
|
0.05
|
13.66
|
-2.60
|
7.04
|
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 |
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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