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Peer Data

De Novo Banks (As of March 31, 2009)
 
03/31/2009
03/31/2008
12/31/2008
12/31/2007
12/31/2006
Peer Group Information
TOTAL ASSETS ($MILLIONS)
24,344
20,133
23,349
18,710
15,770
EQUITY CAPITAL ($MILLIONS)
2,488
2,486
2,424
2,403
2,923
NET INCOME ($MILLIONS)
-14
-20
-153
-28
-47
NUMBER OF BANKS IN PEER GROUP
145
156
149
156
161
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME
0.28
0.29
0.27
0.31
0.31
NONINTEREST EXPENSE
3.18
3.67
3.50
4.04
5.40
PROVISION LOAN & LEASE LOSSES
0.57
0.47
0.98
0.56
0.80
REALIZED GAINS/LOSSES SEC
0.05
0.02
0.01
0.00
N/A
NET OPERATING INCOME
-0.51
-0.57
-1.04
-0.57
-1.54
NET INCOME
-0.51
-0.57
-1.04
-0.57
-1.54
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS
94.68
95.25
95.34
95.16
94.20
NET INT INC-TE TO AVG EARNING ASSET
2.98
3.40
3.24
3.89
4.30
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN & LS
0.46
0.13
0.53
0.11
0.01
LN & LS ALLOWANCE TO TOTAL LN & LS
1.60
1.31
1.56
1.28
1.23
NON-CUR LN & LS TO GROSS LN & LS
2.31
1.04
2.11
0.68
0.05
Liquidity
NET NONCORE FUND DEPENDENCE
37.33
28.64
38.65
24.45
14.20
NET LOANS & LEASES TO ASSETS
76.33
76.15
78.13
74.69
68.23
Capitalization
TIER ONE LEVERAGE CAPITAL
10.55
13.39
10.81
14.08
20.37
TIER ONE RBC TO RISK-WEIGHT ASSETS
12.59
15.72
12.71
16.75
25.41
TOTAL RBC TO RISK-WEIGHT ASSETS
13.77
16.81
13.89
17.83
26.36
CASH DIVIDENDS TO NET INCOME
N/A
N/A
N/A
0.00
N/A
Growth Rates
ASSETS
28.08
35.47
27.90
43.73
122.87
TIER ONE CAPITAL
1.30
6.24
0.11
6.00
2.58
NET LOANS & LEASES
28.67
50.45
34.64
60.55
426.76

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