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09/30/2009
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09/30/2008
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12/31/2008
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12/31/2007
|
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 |
0.84
|
0.93
|
1.00
|
0.99
|
0.95
|
NONINTEREST EXPENSE |
3.67
|
3.70
|
3.76
|
3.57
|
3.60
|
PROVISION LOAN & LEASE LOSSES |
1.04
|
0.32
|
0.60
|
0.12
|
0.15
|
REALIZED GAINS/LOSSES SEC |
0.12
|
-0.70
|
-0.58
|
-0.04
|
-0.01
|
NET OPERATING INCOME |
-0.04
|
-0.03
|
0.08
|
0.82
|
0.82
|
NET INCOME |
-0.04
|
0.04
|
0.13
|
0.82
|
0.82
|
Margin Analysis | |||||
AVG EARNING ASSETS TO AVG ASSETS |
94.16
|
94.78
|
94.61
|
94.63
|
94.83
|
NET INT INC-TE TO AVG EARNING ASSET |
3.79
|
4.01
|
3.98
|
4.08
|
4.16
|
Loan & Lease Analysis | |||||
NET LOSS TO AVERAGE TOTAL LN & LS |
1.21
|
0.28
|
0.39
|
0.13
|
0.34
|
LN & LS ALLOWANCE TO TOTAL LN & LS |
2.00
|
1.51
|
1.79
|
1.41
|
1.43
|
NON-CUR LN & LS TO GROSS LN & LS |
5.39
|
3.29
|
4.78
|
2.55
|
1.83
|
Liquidity | |||||
NET NONCORE FUND DEPENDENCE |
28.01
|
30.62
|
33.89
|
27.12
|
26.48
|
NET LOANS & LEASES TO ASSETS |
62.59
|
64.27
|
64.01
|
61.64
|
59.20
|
Capitalization | |||||
TIER ONE LEVERAGE CAPITAL |
9.24
|
8.52
|
8.78
|
8.94
|
9.01
|
TIER ONE RBC TO RISK-WEIGHT ASSETS |
13.60
|
12.19
|
12.84
|
13.46
|
13.65
|
TOTAL RBC TO RISK-WEIGHT ASSETS |
14.93
|
13.43
|
14.15
|
14.72
|
14.77
|
CASH DIVIDENDS TO NET INCOME |
-16.76
|
73.56
|
-107.88
|
54.42
|
37.21
|
Growth Rates | |||||
ASSETS |
3.47
|
4.85
|
5.79
|
3.55
|
8.16
|
TIER ONE CAPITAL |
26.80
|
-0.68
|
3.02
|
4.35
|
8.73
|
NET LOANS & LEASES |
0.95
|
16.68
|
11.29
|
9.45
|
9.40
|
FDIC Cert. Number | Institution Name | City | State | Zip | County |
---|---|---|---|---|---|
8033 | Citizens Trust Bank | Atlanta | GA | 30302 | Fulton |
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 |
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 |
20856 | Liberty Bank and Trust Company | New Orleans | LA | 70160 | Orleans |
21111 | City National Bank of New Jersey | Newark | NJ | 07102 | Essex |
23966 | OneUnited Bank | Boston | MA | 02110 | Suffolk |
24015 | The Harbor Bank of Maryland | Baltimore | MD | 21201 | Baltimore City |
33938 | Capitol City Bank & Trust Company | Atlanta | GA | 30310 | Fulton |
33990 | Bank of St. Croix, Inc. | Christiansted | VI | 00820 | St. Croix |
34496 | First Commercial Bank (USA) | Alhambra | CA | 91801 | Los Angeles |
34818 | Legacy Bank | Milwaukee | WI | 53206 | Milwaukee |
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