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Home > Peer Data > 2008 Data Tables > De Novo Banks (as of September 30, 2008)

Peer Data

De Novo Banks (as of September 30, 2008)
 
09/30/2008
09/30/2007
12/31/2007
12/31/2006
12/31/2005
Peer Group Information
TOTAL ASSETS ($MILLIONS)
18,107
15,279
15,534
12,608
9,526
EQUITY CAPITAL ($MILLIONS)
1,863
1,832
1,821
1,686
1,611
NET INCOME ($MILLIONS)
-18
34
33
22
-73
NUMBER OF BANKS IN PEER GROUP
110
115
112
116
118
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME
0.41
0.37
0.36
0.36
0.35
NONINTEREST EXPENSE
3.35
3.52
3.55
3.80
4.98
PROVISION LOAN & LEASE LOSSES
0.56
0.30
0.34
0.43
0.76
REALIZED GAINS/LOSSES SEC
0.01
0.00
0.00
-0.01
-0.03
NET OPERATING INCOME
-0.19
0.31
0.21
0.09
-1.51
NET INCOME
-0.19
0.31
0.21
0.09
-1.51
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS
94.85
94.93
95.01
94.57
93.61
NET INT INC-TE TO AVG EARNING ASSET
3.40
3.93
3.88
4.14
3.93
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN & LS
0.28
0.07
0.12
0.04
0.01
LN & LS ALLOWANCE TO TOTAL LN & LS
1.33
1.19
1.21
1.20
1.22
NON-CUR LN & LS TO GROSS LN & LS
1.41
0.51
0.66
0.18
0.04
Liquidity
NET NONCORE FUND DEPENDENCE
36.07
25.49
28.86
22.73
11.30
NET LOANS & LEASES TO ASSETS
78.27
75.15
77.36
73.28
67.66
Capitalization
TIER ONE LEVERAGE CAPITAL
10.47
12.38
11.93
14.30
19.43
TIER ONE RBC TO RISK-WEIGHT ASSETS
12.22
14.56
14.03
17.18
24.84
TOTAL RBC TO RISK-WEIGHT ASSETS
13.33
15.61
15.10
18.23
25.87
CASH DIVIDENDS TO NET INCOME
0.35
0.05
0.22
N/A
N/A
Growth Rates
ASSETS
22.92
32.15
26.05
51.37
136.55
TIER ONE CAPITAL
3.57
11.98
7.41
14.51
17.46
NET LOANS & LEASES
27.46
38.86
33.38
63.91
381.20

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