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Home > Peer Data > 2009 Data Tables > African-American Banks: Under $100M (Year-End 2009)

Peer Data
African-American Banks: Under $100M (Year-End 2009)
 
12/31/2009
12/31/2008
12/31/2007
12/31/2006
12/31/2005
Peer Group Information
Number of Banks in Peer Group
14
14
14
14
14
Earnings and Profitability: Percent of Average Assets
Noninterest Income
1.31
1.78
1.59
1.55
1.68
Noninterest Expense
5.13
5.76
5.47
5.63
5.59
Provision: Loan & Lease Losses
0.71
0.64
0.34
0.57
0.54
Realized Gains/Losses Sec
0.08
0.02
0.01
0.00
0.00
Net Operating Income
-0.65
-0.91
-0.26
-0.53
0.00
Net Income
-0.65
-0.91
-0.26
-0.53
0.00
Margin Analysis
Avg Earning Assets to Avg Assets
90.82
90.89
92.24
92.53
92.54
Net Int Inc-TE to Avg Earning Assets
4.18
4.07
4.37
4.69
4.88
Loan & Lease Analysis
Net Loss to Average Total LN & LS
0.94
1.30
0.25
1.06
0.63
LN & LS Allowance to Total LN & LS
1.83
1.79
2.18
1.79
2.07
Noncurrent Loans to Total Loans
5.81
5.31
4.83
3.95
4.07
Liquidity
Net Noncore Fund Dependence
30.84
30.27
21.08
18.95
13.56
Net Loans & Leases to Assets
62.60
64.10
61.10
64.32
62.48
Capitalization
Tier One Leverage Capital
8.58
9.18
9.76
10.06
10.77
Tier One RBC to Risk-Weight Assets
14.13
14.41
15.21
15.20
16.83
Total RBC to Risk-Weight Assets
15.28
15.56
16.41
16.40
17.99
Cash Dividends to Net Income
43.12
116.17
9.38
30.05
15.29
Growth Rates
Total Assets
1.57
9.27
4.00
5.16
8.23
Tier One Capital
-2.36
3.88
4.39
1.05
26.10
Net Loans & Leases
-0.01
15.97
-1.33
8.99
4.16
Banks in Selected Peer Group
FDIC Cert. Number Institution Name City State
9502 First State Bank Danville VA
10319 Citizens Savings Bank and Trust Company Nashville TN
11583 Consolidated Bank and Trust Company Richmond VA
16584 The Carver State Bank Savannah GA
20292 American State Bank Tulsa OK
20364 North Milwaukee State Bank Milwaukee WI
22229 Commonwealth National Bank Mobile AL
22476 Covenant Bank Chicago IL
26351 Unity National Bank of Houston Houston TX
33519 First Tuskegee Bank Tuskegee AL
33568 United Bank of Philadelphia Philadelphia PA
34308 Louisville Community Development Bank Louisville KY
35241 South Carolina Community Bank Columbia SC
35314 Alamerica Bank Birmingham AL

Data compiled from the FFIEC website External Link on September 14, 2010.

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