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Home > Peer Data > 2009 Data Tables > Multiracial American Banks (As of June 30, 2009)

Peer Data

Multiracial American Banks (As of June 30, 2009)
 
06/30/2009
06/30/2008
12/31/2008
12/31/2007
12/31/2006
Peer Group Information
NUMBER OF BANKS IN PEER GROUP
4
4
4
4
4
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME
1.00
1.15
1.27
1.40
1.11
NONINTEREST EXPENSE
3.90
4.77
4.52
5.79
5.08
PROVISION LOAN & LEASE LOSSES
1.92
0.19
0.81
0.33
0.13
REALIZED GAINS/LOSSES SEC
0.53
0.03
0.03
-0.01
-0.09
NET OPERATING INCOME
-1.00
-0.21
-0.63
-0.68
-0.26
NET INCOME
-0.92
-0.21
-0.63
-0.68
-0.26
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS
94.79
94.73
94.55
94.33
93.03
NET INT INC-TE TO AVG EARNING ASSET
3.17
3.57
3.40
4.03
4.30
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN & LS
2.10
0.04
0.59
0.30
0.07
LN & LS ALLOWANCE TO TOTAL LN & LS
1.78
1.31
1.52
1.29
1.23
NON-CUR LN & LS TO GROSS LN & LS
2.85
3.16
2.54
2.67
0.72
Liquidity
NET NONCORE FUND DEPENDENCE
46.08
50.19
52.51
42.06
17.48
NET LOANS & LEASES TO ASSETS
66.92
67.60
66.85
68.88
65.29
Capitalization
TIER ONE LEVERAGE CAPITAL
8.33
9.90
8.15
11.25
13.27
TIER ONE RBC TO RISK-WEIGHT ASSETS
12.46
13.97
12.09
15.80
19.59
TOTAL RBC TO RISK-WEIGHT ASSETS
13.63
15.03
13.25
16.85
20.63
CASH DIVIDENDS TO NET INCOME
0.00
176.00
-8.99
0.00
0.00
Growth Rates
ASSETS
11.53
26.41
30.06
8.23
2.34
TIER ONE CAPITAL
5.46
-7.58
-6.51
-7.24
6.80
NET LOANS & LEASES
14.03
22.57
19.34
16.26
12.61
Banks in Selected Peer Group
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

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