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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
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12/31/2006
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|
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Peer Group Information | |||||
NUMBER OF BANKS IN PEER GROUP |
4
|
4
|
4
|
4
|
4
|
Earnings and Profitability: Percent of Average Assets | |||||
NONINTEREST INCOME |
1.19
|
1.32
|
1.27
|
1.40
|
1.11
|
NONINTEREST EXPENSE |
3.99
|
4.59
|
4.52
|
5.79
|
5.08
|
PROVISION LOAN & LEASE LOSSES |
1.52
|
0.26
|
0.81
|
0.33
|
0.13
|
REALIZED GAINS/LOSSES SEC |
0.48
|
0.02
|
0.03
|
-0.01
|
-0.09
|
NET OPERATING INCOME |
-0.58
|
-0.12
|
-0.63
|
-0.68
|
-0.26
|
NET INCOME |
-0.53
|
-0.12
|
-0.63
|
-0.68
|
-0.26
|
Margin Analysis | |||||
AVG EARNING ASSETS TO AVG ASSETS |
93.67
|
94.49
|
94.55
|
94.33
|
93.03
|
NET INT INC-TE TO AVG EARNING ASSET |
3.25
|
3.45
|
3.40
|
4.03
|
4.30
|
Loan & Lease Analysis | |||||
NET LOSS TO AVERAGE TOTAL LN & LS |
1.57
|
0.12
|
0.59
|
0.30
|
0.07
|
LN & LS ALLOWANCE TO TOTAL LN & LS |
1.90
|
1.32
|
1.52
|
1.29
|
1.23
|
NON-CUR LN & LS TO GROSS LN & LS |
4.51
|
3.38
|
2.54
|
2.67
|
0.72
|
Liquidity | |||||
NET NONCORE FUND DEPENDENCE |
41.94
|
53.33
|
52.51
|
42.06
|
17.48
|
NET LOANS & LEASES TO ASSETS |
66.98
|
67.85
|
66.85
|
68.88
|
65.29
|
Capitalization | |||||
TIER ONE LEVERAGE CAPITAL |
8.73
|
8.97
|
8.15
|
11.25
|
13.27
|
TIER ONE RBC TO RISK-WEIGHT ASSETS |
12.52
|
12.89
|
12.09
|
15.80
|
19.59
|
TOTAL RBC TO RISK-WEIGHT ASSETS |
13.71
|
13.97
|
13.25
|
16.85
|
20.63
|
CASH DIVIDENDS TO NET INCOME |
0.00
|
16.29
|
-8.99
|
0.00
|
0.00
|
Growth Rates | |||||
ASSETS |
4.21
|
29.92
|
30.06
|
8.23
|
2.34
|
TIER ONE CAPITAL |
8.11
|
-7.93
|
-6.51
|
-7.24
|
6.80
|
NET LOANS & LEASES |
8.18
|
18.90
|
19.34
|
16.26
|
12.61
|
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 |
57041 | The Community's Bank | Bridgeport | CT | 06604 | Fairfield |
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