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Home > Peer Data > 2008 Data Tables > Multi-Racial American Banks: Under $100M (Year-End 2008)

Peer Data

Multi-Racial American Banks: Under $100M (Year-End 2008)
 
12/31/2008
12/31/2007
12/31/2006
12/31/2005
12/31/2004
Peer Group Information
NUMBER OF BANKS IN PEER GROUP
2
2
2
1
1
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME
0.60
0.83
0.84
0.64
7.79
NONINTEREST EXPENSE
5.63
8.38
12.08
5.75
5.41
PROVISION LOAN & LEASE LOSSES
0.52
0.42
0.67
0.23
0.24
REALIZED GAINS/LOSSES SEC
0.03
0.00
0.00
0.00
-0.59
NET OPERATING INCOME
-1.96
-3.06
-6.58
-0.30
4.95
NET INCOME
-1.96
-3.06
-6.58
-0.30
4.95
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS
97.24
95.51
95.81
96.49
94.11
NET INT INC-TE TO AVG EARNING ASSET
3.27
4.38
5.16
5.10
3.63
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN & LS
-0.01
0.08
0.02
0.27
0.03
LN & LS ALLOWANCE TO TOTAL LN & LS
2.11
1.60
1.43
1.41
1.32
NON-CUR LN & LS TO GROSS LN & LS
1.70
2.03
0.00
0.00
0.08
Liquidity
NET NONCORE FUND DEPENDENCE
53.23
25.35
10.35
20.92
19.32
NET LOANS & LEASES TO ASSETS
51.17
66.59
70.18
62.95
76.79
Capitalization
TIER ONE LEVERAGE CAPITAL
10.27
14.79
30.29
20.15
21.50
TIER ONE RBC TO RISK-WEIGHT ASSETS
15.97
17.95
29.65
22.46
26.98
TOTAL RBC TO RISK-WEIGHT ASSETS
17.22
18.96
30.60
23.56
28.23
CASH DIVIDENDS TO NET INCOME
0.00
0.00
0.00
0.00
0.00
Growth Rates
ASSETS
61.02
68.37
-2.66
16.52
-39.49
TIER ONE CAPITAL
7.32
-17.87
-3.17
-1.40
52.17
NET LOANS & LEASES
20.27
59.13
-6.20
-4.48
35.03
Banks in Selected Peer Group
FDIC Cert. Number Institution Name City State Zip County
57041 The Community's Bank Bridgeport CT 06604 Fairfield
58082 Libertad Bank SSB Austin TX 78704 Travis

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