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Home > Peer Data > 2009 Data Tables > African-American Banks: Under $100M (As of September 30, 2009)

Peer Data
African-American Banks: Under $100M (As of September 30, 2009)
 
09/30/2009
09/30/2008
12/31/2008
12/31/2007
12/31/2006
Peer Group Information
NUMBER OF BANKS IN PEER GROUP
14
14
14
14
14
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME
1.38
1.91
1.83
1.59
1.55
NONINTEREST EXPENSE
5.10
5.42
5.76
5.47
5.63
PROVISION LOAN & LEASE LOSSES
0.58
0.29
0.63
0.34
0.57
REALIZED GAINS/LOSSES SEC
0.07
-0.15
0.02
0.01
0.00
NET OPERATING INCOME
-0.54
-0.29
-0.85
-0.26
-0.53
NET INCOME
-0.54
-0.29
-0.85
-0.26
-0.53
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS
90.97
91.01
90.89
92.24
92.53
NET INT INC-TE TO AVG EARNING ASSET
4.06
4.10
4.07
4.37
4.70
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN & LS
0.72
1.04
1.30
0.25
1.06
LN & LS ALLOWANCE TO TOTAL LN & LS
1.91
1.80
1.77
2.18
1.80
NON-CUR LN & LS TO GROSS LN & LS
5.55
5.16
5.31
4.83
3.95
Liquidity
NET NONCORE FUND DEPENDENCE
32.06
24.03
30.25
21.09
18.95
NET LOANS & LEASES TO ASSETS
62.60
62.86
64.08
61.10
64.32
Capitalization
TIER ONE LEVERAGE CAPITAL
9.09
10.14
9.24
9.76
10.06
TIER ONE RBC TO RISK-WEIGHT ASSETS
15.02
15.66
14.49
15.21
15.20
TOTAL RBC TO RISK-WEIGHT ASSETS
16.20
16.82
15.63
16.41
16.40
CASH DIVIDENDS TO NET INCOME
90.38
11.23
118.98
9.38
30.05
Growth Rates
ASSETS
7.68
4.22
9.33
4.00
5.16
TIER ONE CAPITAL
-3.89
6.79
4.77
4.39
1.05
NET LOANS & LEASES
15.93
4.02
15.99
-1.33
8.99
Banks in Selected Peer Group
FDIC Cert. Number Institution Name City State Zip County
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
16584 The Carver State Bank Savannah GA 31402 Chatham
20292 American State Bank Tulsa OK 74106 Tulsa
20364 North Milwaukee State Bank Milwaukee WI 53216 Milwaukee
22229 Commonwealth National Bank Mobile AL 36652 Mobile
22476 Covenant Bank Chicago IL 60624 Cook
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
34308 Louisville Community Development Bank Louisville KY 40251 Jefferson
35241 South Carolina Community Bank Columbia SC 29202 Richland
35314 Alamerica Bank Birmingham AL 35205 Jefferson

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