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09/30/2009
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09/30/2008
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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 |
29
|
29
|
29
|
29
|
29
|
Earnings and Profitability: Percent of Average Assets | |||||
NONINTEREST INCOME |
1.06
|
1.30
|
1.25
|
1.23
|
1.20
|
NONINTEREST EXPENSE |
4.34
|
4.48
|
4.62
|
4.42
|
4.50
|
PROVISION LOAN & LEASE LOSSES |
0.68
|
0.30
|
0.60
|
0.19
|
0.28
|
REALIZED GAINS/LOSSES SEC |
0.09
|
-0.10
|
-0.02
|
-0.01
|
0.00
|
NET OPERATING INCOME |
-0.21
|
0.05
|
-0.23
|
0.35
|
0.31
|
NET INCOME |
-0.21
|
0.09
|
-0.21
|
0.35
|
0.31
|
Margin Analysis | |||||
AVG EARNING ASSETS TO AVG ASSETS |
92.77
|
92.99
|
93.03
|
93.75
|
93.82
|
NET INT INC-TE TO AVG EARNING ASSET |
3.94
|
4.06
|
4.03
|
4.21
|
4.41
|
Loan & Lease Analysis | |||||
NET LOSS TO AVERAGE TOTAL LN & LS |
0.90
|
0.54
|
0.76
|
0.15
|
0.51
|
LN & LS ALLOWANCE TO TOTAL LN & LS |
1.90
|
1.57
|
1.70
|
1.70
|
1.53
|
NON-CUR LN & LS TO GROSS LN & LS |
5.32
|
4.02
|
4.89
|
3.42
|
2.53
|
Liquidity | |||||
NET NONCORE FUND DEPENDENCE |
30.87
|
26.95
|
31.96
|
24.47
|
22.50
|
NET LOANS & LEASES TO ASSETS |
63.04
|
64.23
|
64.70
|
61.35
|
62.36
|
Capitalization | |||||
TIER ONE LEVERAGE CAPITAL |
9.07
|
9.32
|
8.88
|
9.15
|
9.29
|
TIER ONE RBC TO RISK-WEIGHT ASSETS |
13.83
|
13.63
|
13.21
|
13.83
|
14.07
|
TOTAL RBC TO RISK-WEIGHT ASSETS |
15.09
|
14.84
|
14.43
|
15.06
|
15.23
|
CASH DIVIDENDS TO NET INCOME |
5.84
|
38.57
|
11.54
|
29.19
|
30.67
|
Growth Rates | |||||
ASSETS |
2.55
|
4.24
|
6.10
|
3.29
|
6.85
|
TIER ONE CAPITAL |
4.41
|
3.91
|
3.27
|
3.82
|
5.77
|
NET LOANS & LEASES |
-0.96
|
10.34
|
9.20
|
5.01
|
9.00
|
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 |
20179 | First Independence Bank | Detroit | MI | 48226 | Wayne |
20290 | Highland Community Bank | Chicago | IL | 60620 | Cook |
20292 | American State Bank | Tulsa | OK | 74106 | Tulsa |
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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