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Home > Peer Data > 2009 Data Tables > African-American Banks: $100M & Over (Year-End 2009)

Peer Data

African-American Banks: $100M & Over (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
15
15
15
15
15
Earnings and Profitability: Percent of Average Assets
Noninterest Income
0.90
1.00
0.99
0.95
1.05
Noninterest Expense
3.77
3.77
3.57
3.60
3.92
Provision: Loan & Lease Losses
1.66
0.61
0.12
0.15
0.16
Realized Gains/Losses Sec
0.10
-0.58
-0.04
0.00
-0.04
Net Operating Income
-0.84
0.05
0.82
0.82
0.69
Net Income
-0.84
0.10
0.82
0.82
0.69
Margin Analysis
Avg Earning Assets to Avg Assets
94.53
94.73
94.63
94.83
93.95
Net Int Inc-TE to Avg Earning Assets
3.81
3.98
4.08
4.16
4.26
Loan & Lease Analysis
Net Loss to Average Total LN & LS
1.63
0.39
0.13
0.34
0.15
LN & LS Allowance to Total LN & LS
2.52
1.79
1.41
1.43
1.58
Noncurrent Loans to Total Loans
5.43
4.77
2.55
1.83
1.91
Liquidity
Net Noncore Fund Dependence
30.66
33.89
27.12
26.48
23.51
Net Loans & Leases to Assets
63.03
64.03
61.64
59.20
58.28
Capitalization
Tier One Leverage Capital
8.22
8.75
8.94
9.01
8.91
Tier One RBC to Risk-Weight Assets
12.33
12.78
13.46
13.65
14.01
Total RBC to Risk-Weight Assets
13.68
14.09
14.72
14.77
15.18
Cash Dividends to Net Income
38.64
-107.86
54.42
37.21
29.23
Growth Rates
Total Assets
2.81
5.75
3.55
8.16
7.96
Tier One Capital
-3.13
2.52
4.35
8.73
9.67
Net Loans & Leases
1.37
11.29
9.45
9.40
9.41
Banks in Selected Peer Group
FDIC Cert. Number Institution Name City State
8033 Citizens Trust Bank Atlanta GA
12266 Mechanics & Farmers Bank Durham NC
14679 Industrial Bank Oxon Hill MD
16511 Tri-State Bank of Memphis Memphis TN
19328 Seaway Bank and Trust Company Chicago IL
20179 First Independence Bank Detroit MI
20290 Highland Community Bank Chicago IL
20856 Liberty Bank and Trust Company New Orleans LA
21111 City National Bank of New Jersey Newark NJ
23966 OneUnited Bank Boston MA
24015 The Harbor Bank of Maryland Baltimore MD
33938 Capitol City Bank & Trust Company Atlanta GA
33990 Bank of St. Croix, Inc. Christiansted VI
34496 First Commercial Bank (USA) Alhambra CA
34818 Legacy Bank Milwaukee WI

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

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