Peer Data

African-American Banks (As of September 30, 2013)
Asset Size	All	Under $100M	Over $100M
Peer Group Information
Number of Banks in Peer Group	30	15	15
Earnings and Profitability: Percent of Average Assets
Noninterest Income	0.88	0.72	1.29
Noninterest Expense	4.82	5.15	4.63
Provision: Loan & Lease Losses	0.27	0.23	0.36
Realized Gains/Losses Sec	0.08	0.14	0.07
Net Operating Income	-0.52	-0.73	-0.33
Net Income	-0.53	-0.73	-0.35
Margin Analysis
Avg Earning Assets to Avg Assets	90.64	90.4	90.63
Net Int Inc-TE to Avg Earning Assets	3.97	4.16	3.78
Loan & Lease Analysis
Net Loss to Average Total LN & LS	0.8	0.69	1.07
LN & LS Allowance to Total LN & LS	2.66	2.28	3.45
Noncurrent Loans to Total Loans	7.82	7.67	8.48
Liquidity
Net Noncore Fund Dependence	11.63	8.47	13.86
Net Loans & Leases to Assets	59.21	61.59	56.78
Capitalization
Tier 1 Leverage Capital	8.1	8.18	8.35
Tier 1 RBC to Risk-Weight Assets	13.18	12.4	14.51
Total RBC to Risk-Weight Assets	14.48	13.62	15.9
Cash Dividends to Net Income	3.09	0	8.26
Growth Rates
Total Assets	-3.36	-4.63	-1.44
Tier 1 Capital	-6.67	-8.63	-6.1
Net Loans & Leases	-3.38	-4.81	-1.92

Banks in Selected Peer Group
FRB ID RSSD	Institution Name	City	State
405173	ADVANCE BANK	BALTIMORE	MD
2877484	ALAMERICA BANK	BIRMINGHAM	AL
26176	BROADWAY FEDERAL BANK, F.S.B.	LOS ANGELES	CA
2243977	CAPITOL CITY BANK & TRUST COMPANY	ATLANTA	GA
268677	CARVER FEDERAL SAVINGS BANK	NEW YORK	NY
370833	CARVER STATE BANK	SAVANNAH	GA
55635	CITIZENS SAVINGS BANK AND TRUST COMPANY	NASHVILLE	TN
680130	CITIZENS TRUST BANK	ATLANTA	GA
567905	CITY NATIONAL BANK OF NEW JERSEY	NEWARK	NJ
596277	COLUMBIA SAVINGS AND LOAN ASSOCIATION	MILWAUKEE	WI
578237	COMMONWEALTH NATIONAL BANK	MOBILE	AL
254849	FIRST INDEPENDENCE BANK	DETROIT	MI
722227	FIRST STATE BANK	DANVILLE	VA
1897168	FIRST TUSKEGEE BANK	TUSKEGEE	AL
533124	HARBOR BANK OF MARYLAND, THE	BALTIMORE	MD
76135	HIGHLAND COMMUNITY BANK	CHICAGO	IL
250476	ILLINOIS-SERVICE FEDERAL SAVINGS AND LOAN ASSOCIATION	CHICAGO	IL
492173	INDEPENDENCE FEDERAL SAVINGS BANK	WASHINGTON	DC
536527	INDUSTRIAL BANK	WASHINGTON	DC
283438	LIBERTY BANK AND TRUST COMPANY	NEW ORLEANS	LA
332224	MECHANICS & FARMERS BANK	DURHAM	NC
2496081	METRO BANK	LOUISVILLE	KY
759540	NORTH MILWAUKEE STATE BANK	MILWAUKEE	WI
935308	ONEUNITED BANK	BOSTON	MA
673431	SEAWAY BANK AND TRUST COMPANY	CHICAGO	IL
2794732	SOUTH CAROLINA COMMUNITY BANK	COLUMBIA	SC
515054	TRI-STATE BANK OF MEMPHIS	MEMPHIS	TN
1945247	UNITED BANK OF PHILADELPHIA	PHILADELPHIA	PA
853251	UNITY NATIONAL BANK OF HOUSTON	HOUSTON	TX
4184186	URBAN PARTNERSHIP BANK	CHICAGO	IL

Data compiled from the FFIEC website on September 30, 2013.