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Home > Peer Data > 2009 Data Tables > African-American Banks (Year-End 2009)

Peer Data

Data run Sept 14, 2010

African-American Banks (Year-End 2009)
 
12/31/2009
12/31/2008
12/31/2007
12/31/2006
12/31/2005
Peer Group Information
Number of Banks in Peer Group
29
29
29
29
29
Earnings and Profitability: Percent of Average Assets
Noninterest Income
1.07
1.23
1.23
1.20
1.33
Noninterest Expense
4.39
4.62
4.42
4.50
4.68
Provision: Loan & Lease Losses
0.93
0.60
0.19
0.28
0.29
Realized Gains/Losses Sec
0.09
-0.02
-0.01
0.00
-0.02
Net Operating Income
-0.61
-0.28
0.35
0.31
0.40
Net Income
-0.61
-0.26
0.35
0.31
0.40
Margin Analysis
Avg Earning Assets to Avg Assets
92.95
93.10
93.76
93.82
93.25
Net Int Inc-TE to Avg Earning Assets
4.00
4.03
4.21
4.41
4.58
Loan & Lease Analysis
Net Loss to Average Total LN & LS
1.19
0.76
0.15
0.51
0.33
LN & LS Allowance to Total LN & LS
2.05
1.71
1.70
1.53
1.75
Noncurrent Loans to Total Loans
5.46
4.89
3.42
2.53
2.63
Liquidity
Net Noncore Fund Dependence
30.52
31.97
24.47
22.50
18.69
Net Loans & Leases to Assets
63.42
64.73
61.35
62.36
60.45
Capitalization
Tier One Leverage Capital
8.35
8.85
9.15
9.29
9.60
Tier One RBC to Risk-Weight Assets
12.81
13.14
13.83
14.07
15.14
Total RBC to Risk-Weight Assets
14.06
14.37
15.06
15.23
16.31
Cash Dividends to Net Income
30.53
10.10
29.19
30.67
21.32
Growth Rates
Total Assets
2.12
6.05
3.29
6.85
7.72
Tier One Capital
-2.30
2.54
3.82
5.77
15.07
Net Loans & Leases
-0.13
9.19
5.01
9.00
6.58
Banks in Selected Peer Group
FDIC Cert. Number Institution Name City State
8033 Citizens Trust Bank Atlanta GA
9502 First State Bank Danville VA
10319 Citizens Savings Bank and Trust Company Nashville TN
11583 Consolidated Bank and Trust Company Richmond VA
12266 Mechanics & Farmers Bank Durham NC
14679 Industrial Bank Oxon Hill MD
16511 Tri-State Bank of Memphis Memphis TN
16584 The Carver State Bank Savannah GA
19328 Seaway Bank and Trust Company Chicago IL
20179 First Independence Bank Detroit MI
20292 American State Bank Tulsa OK
20290 Highland Community Bank Chicago IL
20364 North Milwaukee State Bank Milwaukee WI
20856 Liberty Bank and Trust Company New Orleans LA
21111 City National Bank of New Jersey Newark NJ
22229 Commonwealth National Bank Mobile AL
22476 Covenant Bank Chicago IL
23966 OneUnited Bank Boston MA
24015 The Harbor Bank of Maryland Baltimore MD
26351 Unity National Bank of Houston Houston TX
33519 First Tuskegee Bank Tuskegee AL
33568 United Bank of Philadelphia Philadelphia PA
33938 Capitol City Bank & Trust Company Atlanta GA
33990 Bank of St. Croix, Inc. Christiansted VI
34308 Louisville Community Development Bank Louisville KY
34496 First Commercial Bank (USA) Alhambra CA
34818 Legacy Bank Milwaukee WI
35241 South Carolina Community Bank Columbia SC
35314 Alamerica Bank Birmingham AL

Data compiled from the FFIEC website External Link on September 14, 2010.

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