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Peer Data

Multiracial American Banks: $100M & Over (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
3
3
3
3
3
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME
1.27
1.43
1.62
1.71
1.37
NONINTEREST EXPENSE
3.72
4.29
4.35
5.31
4.77
PROVISION LOAN & LEASE LOSSES
2.52
0.31
1.05
0.32
0.09
REALIZED GAINS/LOSSES SEC
0.21
0.00
0.02
-0.01
-0.12
NET OPERATING INCOME
-1.37
0.21
-0.44
-0.21
0.03
NET INCOME
-1.27
0.21
-0.44
-0.21
0.03
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS
95.89
94.76
94.47
94.12
91.74
NET INT INC-TE TO AVG EARN ASSET
3.08
3.63
3.52
4.13
4.36
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN & LS
2.75
0.14
0.79
0.34
0.07
LN & LS ALLOWANCE TO TOTAL LN & LS
1.73
0.96
1.27
0.95
0.98
NON-CUR LN & LS TO GROSS LN & LS
3.13
3.22
2.58
2.21
0.96
Liquidity
NET NONCORE FUND DEPENDENCE
42.54
50.73
48.39
43.25
20.30
NET LOANS & LEASES TO ASSETS
70.97
76.30
76.80
72.99
67.64
Capitalization
TIER ONE LEVERAGE CAPITAL
8.77
9.55
8.44
10.27
11.51
TIER ONE RBC TO RISK-WEIGHT ASSETS
12.39
13.01
11.87
14.51
17.34
TOTAL RBC TO RISK-WEIGHT ASSETS
13.52
14.03
13.00
15.50
18.31
CASH DIVIDENDS TO NET INCOME
0.00
234.67
-11.98
0.00
0.00
Growth Rates
ASSETS
13.04
19.40
16.25
8.82
4.89
TIER ONE CAPITAL
10.42
-4.17
-2.59
-2.92
11.17
NET LOANS & LEASES
4.94
30.98
21.75
20.56
20.94
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

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