Peer Data

African-American Banks (As of September 30, 2015)
Asset Size	All	Under $100M	Over $100M
Peer Group Information
Number of Banks in Peer Group	25	10	15
Earnings and Profitability: Percent of Average Assets
Noninterest Income	0.98	1.09	1.17
Noninterest Expense	5.04	5.14	5.10
Provision: Loan & Lease Losses	0.10	0.41	0.01
Realized Gains/Losses Sec	0.03	0.01	0.16
Net Operating Income	-0.40	-0.66	-0.28
Net Income	-0.42	-0.66	-0.31
Margin Analysis
Avg Earning Assets to Avg Assets	91.72	89.88	92.22
Net Int Inc-TE to Avg Earning Assets	3.93	4.04	3.85
Loan & Lease Analysis
Net Loss to Average Total LN & LS	1.06	1.60	0.89
LN & LS Allowance to Total LN & LS	2.24	2.37	2.34
Noncurrent Loans to Total Loans	7.25	9.19	6.74
Liquidity
Net Noncore Fund Dependence	7.85	4.83	9.88
Net Loans & Leases to Assets	61.43	61.39	61.31
Capitalization
Tier One Leverage Capital	8.73	8.46	9.03
Tier One RBC to Risk-Weight Assets	13.41	12.88	14.20
Total RBC to Risk-Weight Assets	14.69	14.20	15.46
Cash Dividends to Net Income	1.59	0.00	5.73
Growth Rates
Total Assets	-1.56	-3.00	-0.78
Tier One Capital	-0.24	-8.99	7.68
Net Loans & Leases	-0.76	-4.07	2.60

FRB ID RSSD	Bank Name	City	State
2877484	ALAMERICA BK	BIRMINGHAM	AL
26176	BROADWAY FED BK FSB	LOS ANGELES	CA
268677	CARVER FSB	NEW YORK	NY
370833	CARVER ST BK	SAVANNAH	GA
55635	CITIZENS SVG B&TC	NASHVILLE	TN
680130	CITIZENS TR BK	ATLANTA	GA
567905	CITY NB OF NJ	NEWARK	NJ
596277	COLUMBIA S&LA	MILWAUKEE	WI
578237	COMMONWEALTH NB	MOBILE	AL
254849	FIRST INDEPENDENCE BK	DETROIT	MI
722227	FIRST ST BK	DANVILLE	VA
533124	HARBOR BK OF MD	BALTIMORE	MD
250476	ILLINOIS-SERVICE FS&LA	CHICAGO	IL
536527	INDUSTRIAL BK	WASHINGTON	DC
283438	LIBERTY B&TC	NEW ORLEANS	LA
332224	MECHANICS & FARMERS BK	DURHAM	NC
2496081	METRO BK	LOUISVILLE	KY
759540	NORTH MILWAUKEE ST BK	MILWAUKEE	WI
935308	ONEUNITED BK	BOSTON	MA
673431	SEAWAY B&TC	CHICAGO	IL
2794732	SOUTH CAROLINA CMNTY BK	COLUMBIA	SC
515054	TRI-STATE BK OF MEMPHIS	MEMPHIS	TN
1945247	UNITED BK OF PHILADELPHIA	PHILADELPHIA	PA
853251	UNITY NB OF HOUSTON	HOUSTON	TX
4184186	URBAN PARTSHP BK	CHICAGO	IL

Data compiled from the FFIEC website on December 15, 2015.