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Home > Peer Data > 2009 Data Tables > Multiracial American Banks (As of March 31, 2009)

Peer Data

Multiracial American Banks (As of March 31, 2009)
 
03/31/2009
03/31/2008
12/31/2008
12/31/2007
12/31/2006
Peer Group Information
NUMBER OF BANKS IN PEER GROUP
5
5
5
5
5
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME
0.86
1.14
1.21
1.36
1.16
NONINTEREST EXPENSE
3.80
5.61
4.91
6.54
7.69
PROVISION LOAN & LEASE LOSSES
1.53
0.84
0.84
0.36
0.32
REALIZED GAINS/LOSSES SEC
0.27
0.04
0.03
-0.01
-0.07
NET OPERATING INCOME
-1.35
-1.44
-1.11
-1.35
-2.61
NET INCOME
-1.22
-1.44
-1.11
-1.35
-2.61
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS
96.62
95.30
95.58
94.67
93.37
NET INT INC-TE TO AVG EARNING ASSET
2.90
3.87
3.40
4.23
4.68
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN & LS
1.81
0.07
0.47
0.24
0.05
LN & LS ALLOWANCE TO TOTAL LN & LS
1.69
1.37
1.60
1.21
1.16
NON-CUR LN & LS TO GROSS LN & LS
3.65
1.10
2.23
2.13
0.58
Liquidity
NET NONCORE FUND DEPENDENCE
40.41
38.38
50.33
36.09
16.32
NET LOANS & LEASES TO ASSETS
63.39
70.34
66.56
70.43
68.65
Capitalization
TIER ONE LEVERAGE CAPITAL
9.33
11.26
9.15
12.08
19.02
TIER ONE RBC TO RISK-WEIGHT ASSETS
14.61
14.61
13.48
15.88
22.26
TOTAL RBC TO RISK-WEIGHT ASSETS
15.82
15.71
14.66
16.89
23.23
CASH DIVIDENDS TO NET INCOME
0.00
-103.53
-7.19
0.00
0.00
Growth Rates
ASSETS
28.61
35.75
34.13
32.64
1.87
TIER ONE CAPITAL
14.73
-8.92
1.18
-8.90
5.44
NET LOANS & LEASES
13.21
40.28
21.16
35.98
10.09
Banks in Selected Peer Group
FDIC Cert. Number Institution Name City State Zip County
21220 Espirito Santo Bank Miami FL 33131 Miami-dade
34548 Neighborhood National Bank San Diego CA 92113 San Diego
34643 Sunstate Bank Miami FL 33176 Miami-dade
57041 The Community's Bank Bridgeport CT 06604 Fairfield
58082 Libertad Bank SSB Austin TX 78704 Travis

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