Peer Data

African-American Banks: $100M & Over (as of September 30, 2008)
	09/30/2008	09/30/2007	12/31/2007	12/31/2006	12/31/2005
Peer Group Information
NUMBER OF BANKS IN PEER GROUP	17	17	17	17	17
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME	0.85	0.87	0.91	0.92	1.01
NONINTEREST EXPENSE	3.54	3.35	3.46	3.53	3.85
PROVISION LOAN & LEASE LOSSES	0.44	0.12	0.15	0.16	0.17
REALIZED GAINS/LOSSES SEC	-0.61	-0.04	-0.04	-0.00	-0.04
NET OPERATING INCOME	0.00	0.95	0.88	0.97	0.82
NET INCOME	0.06	0.95	0.88	0.97	0.82
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS	95.09	94.97	94.97	95.14	94.63
NET INT INC-TE TO AVG EARN ASSET	3.93	4.12	4.10	4.26	4.35
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN&LS	0.39	0.14	0.15	0.33	0.14
LN&LS ALLOWANCE TO TOTAL LN&LS	1.54	1.45	1.42	1.42	1.58
NON-CUR LN&LS TO GROSS LN&LS	3.53	2.44	2.46	1.71	1.71
Liquidity
NET NON CORE FUND DEPENDENCE	30.41	26.06	30.71	28.99	23.79
NET LOANS & LEASES TO ASSETS	63.63	60.32	62.11	61.70	59.81
Capitalization
TIER ONE LEVERAGE CAPITAL	8.63	9.10	9.11	9.57	9.39
TIER ONE RBC TO RISK-WGT ASSETS	13.03	13.83	13.97	14.07	14.30
TOTAL RBC TO RISK-WEIGHT ASSETS	14.27	15.08	15.23	15.20	15.47
CASH DIVIDENDS TO NET INCOME	68.94	60.90	61.22	38.71	31.65
Growth Rates
ASSETS	5.72	8.21	6.05	7.27	9.19
TIER ONE CAPITAL	-0.88	6.22	4.29	9.08	9.65
NET LOANS & LEASES	13.24	6.85	7.49	10.12	9.62

Banks in Selected Peer Group
Bank Name	RSSD	CERT	Assets
ONEUNITED BANK	935308	23966	625,311
CITY NB OF NEW JERSEY	567905	21111	471,099
FIRST COMMERCIAL BANK USA	2332910	34496	437,511
LIBERTY BANK&TRUST CO	283438	20856	366,502
INDUSTRIAL BANK	536527	14679	365,302
SEAWAY BANK&TRUST CO	673431	19328	344,539
CITIZENS TRUST BANK	680130	8033	335,107
CAPITOL CITY BANK&TRUST CO	2243977	33938	295,507
HARBOR BANK OF MARYLAND	533124	24015	279,986
MECHANICS&FARMERS BANK	332224	12266	273,876
LEGACY BANK	2727990	34818	214,828
FIRST INDEPENDENCE BANK	254849	20179	203,926
TRI-STATE BANK OF MEMPHIS	515054	16511	122,569
HIGHLAND COMMUNITY BANK	76135	20290	111,438
ALAMERICA BANK	2877484	35314	106,216
DETROIT COMMERCE BANK	2716613	34919	102,736
BANK OF ST CROIX INC	2281371	33990	100,327
TOTAL ASSETS	-	-	4,756,780