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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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|---|---|---|---|---|---|
| Peer Group Information | |||||
| NUMBER OF BANKS IN PEER GROUP |
3
|
3
|
3
|
3
|
3
|
| Earnings and Profitability: Percent of Average Assets | |||||
| NONINTEREST INCOME |
1.53
|
1.67
|
1.62
|
1.71
|
1.37
|
| NONINTEREST EXPENSE |
3.82
|
4.28
|
4.35
|
5.31
|
4.77
|
| PROVISION LOAN & LEASE LOSSES |
2.00
|
0.34
|
1.05
|
0.32
|
0.09
|
| REALIZED GAINS/LOSSES SEC |
0.26
|
0.00
|
0.02
|
-0.01
|
-0.12
|
| NET OPERATING INCOME |
-0.74
|
0.30
|
-0.44
|
-0.21
|
0.03
|
| NET INCOME |
-0.67
|
0.30
|
-0.44
|
-0.21
|
0.03
|
| Margin Analysis | |||||
| AVG EARNING ASSETS TO AVG ASSETS |
95.19
|
94.45
|
94.47
|
94.12
|
91.74
|
| NET INT INC-TE TO AVG EARNING ASSET |
3.16
|
3.56
|
3.52
|
4.13
|
4.36
|
| Loan & Lease Analysis | |||||
| NET LOSS TO AVERAGE TOTAL LN & LS |
2.04
|
0.19
|
0.79
|
0.34
|
0.07
|
| LN & LS ALLOWANCE TO TOTAL LN & LS |
1.94
|
0.99
|
1.27
|
0.95
|
0.98
|
| NON-CUR LN & LS TO GROSS LN & LS |
4.54
|
3.61
|
2.58
|
2.21
|
0.96
|
| Liquidity | |||||
| NET NONCORE FUND DEPENDENCE |
36.83
|
51.09
|
48.39
|
43.25
|
20.30
|
| NET LOANS & LEASES TO ASSETS |
69.65
|
77.39
|
76.80
|
72.99
|
67.64
|
| Capitalization | |||||
| TIER ONE LEVERAGE CAPITAL |
8.91
|
9.17
|
8.44
|
10.27
|
11.51
|
| TIER ONE RBC TO RISK-WEIGHT ASSETS |
12.72
|
12.39
|
11.87
|
14.51
|
17.34
|
| TOTAL RBC TO RISK-WEIGHT ASSETS |
13.89
|
13.41
|
13.00
|
15.50
|
18.31
|
| CASH DIVIDENDS TO NET INCOME |
0.00
|
21.72
|
-11.98
|
0.00
|
0.00
|
| Growth Rates | |||||
| ASSETS |
7.62
|
18.22
|
16.25
|
8.82
|
4.89
|
| TIER ONE CAPITAL |
11.20
|
-3.98
|
-2.59
|
-2.92
|
11.17
|
| NET LOANS & LEASES |
-2.84
|
23.98
|
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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