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12/31/2009
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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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12/31/2005
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Peer Group Information | |||||
Number of Banks in Peer Group |
8
|
8
|
8
|
8
|
8
|
Earnings and Profitability: Percent of Average Assets | |||||
Noninterest Income |
1.78
|
1.34
|
1.40
|
1.30
|
2.50
|
Noninterest Expense |
4.68
|
4.32
|
4.34
|
4.25
|
4.80
|
Provision: Loan & Lease Losses |
2.45
|
1.11
|
0.33
|
0.24
|
0.24
|
Realized Gains/Losses Sec |
0.03
|
0.01
|
0.00
|
-0.02
|
-0.01
|
Net Operating Income |
-1.07
|
-0.07
|
0.83
|
0.61
|
1.19
|
Net Income |
-1.07
|
-0.07
|
0.83
|
1.42
|
1.19
|
Margin Analysis | |||||
Avg Earning Assets to Avg Assets |
91.87
|
92.55
|
91.93
|
91.87
|
91.13
|
Net Int Inc-TE to Avg Earning Assets |
4.31
|
4.51
|
4.82
|
4.75
|
4.77
|
Loan & Lease Analysis | |||||
Net Loss to Average Total LN & LS |
2.28
|
0.98
|
0.48
|
0.24
|
0.31
|
LN & LS Allowance to Total LN & LS |
2.75
|
1.68
|
1.29
|
1.34
|
1.40
|
Noncurrent Loans to Total Loans |
5.33
|
3.83
|
1.68
|
2.77
|
1.97
|
Liquidity | |||||
Net Noncore Fund Dependence |
25.32
|
21.99
|
19.93
|
18.77
|
13.71
|
Net Loans & Leases to Assets |
66.55
|
67.67
|
69.10
|
69.21
|
65.37
|
Capitalization | |||||
Tier One Leverage Capital |
9.26
|
10.03
|
11.09
|
10.82
|
10.33
|
Tier One RBC to Risk-Weight Assets |
12.65
|
13.66
|
14.84
|
15.30
|
15.07
|
Total RBC to Risk-Weight Assets |
13.90
|
14.90
|
15.94
|
16.40
|
16.19
|
Cash Dividends to Net Income |
3.92
|
13.62
|
26.05
|
25.09
|
21.74
|
Growth Rates | |||||
Total Assets |
-0.76
|
12.20
|
4.15
|
10.69
|
7.55
|
Tier One Capital |
-8.52
|
0.40
|
6.13
|
18.30
|
13.10
|
Net Loans & Leases |
-2.71
|
9.28
|
3.89
|
20.20
|
8.25
|
FDIC Cert. Number | Institution Name | City | State |
---|---|---|---|
12761 | FARMERS & MERCHANTS BANK | CRESCENT | OK |
25738 | FIRST NATIONAL BANK AND TRUST COMPANY | SHAWNEE | OK |
20568 | LUMBEE GUARANTY BANK | PEMBROKE | NC |
24080 | BORREGO SPRINGS BANK, NATIONAL ASSOCIATION | LA MESA | CA |
1417 | WOODLANDS NATIONAL BANK | HINCKLEY | MN |
4624 | AMERICAN BANK OF BAXTER SPRINGS | BAXTER SPRINGS | KS |
34052 | BAY BANK | GREEN BAY | WI |
34692 | CANYON NATIONAL BANK | PALM SPRINGS | CA |
Data compiled from the FFIEC website on September 14, 2010.
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