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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
|
12/31/2006
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|
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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
|
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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