Peer Data

African-American Banks (As of September 30, 2016)
Asset Size	All	Under $100M	Over $100M
Peer Group Information
Number of Banks in Peer Group	25	9	16
Earnings and Profitability: Percent of Average Assets
Noninterest Income	1.04	1.24	1.21
Noninterest Expense	4.99	5.33	4.91
Provision: Loan & Lease Losses	0.14	0.01	0.31
Realized Gains/Losses Sec	0.03	0.03	0.04
Net Operating Income	-0.42	-0.30	-0.57
Net Income	-0.44	-0.30	-0.59
Margin Analysis
Avg Earning Assets to Avg Assets	91.04	89.15	91.71
Net Int Inc-TE to Avg Earning Assets	3.92	4.26	3.72
Loan & Lease Analysis
Net Loss to Average Total LN & LS	0.51	0.09	1.04
LN & LS Allowance to Total LN & LS	1.80	1.81	1.86
Noncurrent Loans to Total Loans	4.68	6.64	4.04
Liquidity
Net Noncore Fund Dependence	6.08	2.71	6.33
Net Loans & Leases to Assets	63.53	61.86	64.16
Capitalization
Tier One Leverage Capital	8.95	9.27	8.83
Tier One RBC to Risk-Weight Assets	13.72	14.33	13.72
Total RBC to Risk-Weight Assets	14.93	15.54	14.93
Cash Dividends to Net Income	5.62	0.00	27.46
Growth Rates
Total Assets	-2.16	-3.87	-0.21
Tier One Capital	-2.30	-2.22	4.23
Net Loans & Leases	-0.32	-3.16	3.32

FDIC CERT #	FRB ID_RSSD	Bank Name	City	State
35314	2877484	ALAMERICA BK	BIRMINGHAM	AL
30306	26176	BROADWAY FED BK FSB	LOS ANGELES	CA
30394	268677	CARVER FSB	NEW YORK	NY
16584	370833	CARVER ST BK	SAVANNAH	GA
10319	55635	CITIZENS SVG B&TC	NASHVILLE	TN
8033	680130	CITIZENS TR BK	ATLANTA	GA
21111	567905	CITY NB OF NJ	NEWARK	NJ
28480	596277	COLUMBIA S&LA	MILWAUKEE	WI
22229	578237	COMMONWEALTH NB	MOBILE	AL
20179	254849	FIRST INDEPENDENCE BK	DETROIT	MI
9502	722227	FIRST ST BK	DANVILLE	VA
18301	524766	FIRST ST BK	SHALLOWATER	TX
24015	533124	HARBOR BK OF MD	BALTIMORE	MD
29399	250476	ILLINOIS-SERVICE FS&LA	CHICAGO	IL
14679	536527	INDUSTRIAL BK	WASHINGTON	DC
20856	283438	LIBERTY B&TC	NEW ORLEANS	LA
12266	332224	MECHANICS & FARMERS BK	DURHAM	NC
34308	2496081	METRO BK	LOUISVILLE	KY
23966	935308	ONEUNITED BK	BOSTON	MA
19328	673431	SEAWAY B&TC	CHICAGO	IL
35241	2794732	SOUTH CAROLINA CMNTY BK	COLUMBIA	SC
16511	515054	TRI-STATE BK OF MEMPHIS	MEMPHIS	TN
33568	1945247	UNITED BK OF PHILADELPHIA	PHILADELPHIA	PA
26351	853251	UNITY NB OF HOUSTON	HOUSTON	TX
59051	4184186	URBAN PARTSHP BK	CHICAGO	IL