Peer Data

All Minority 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	125	125	125	125	118
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME	0.72	0.75	0.75	0.75	0.87
NONINTEREST EXPENSE	3.16	3.17	3.24	3.41	3.39
PROVISION LOAN & LEASE LOSSES	0.64	0.29	0.36	0.26	0.23
REALIZED GAINS/LOSSES SEC	-0.01	-0.00	-0.00	-0.00	-0.00
NET OPERATING INCOME	0.23	0.79	0.67	0.79	1.02
NET INCOME	0.24	0.79	0.67	0.82	1.02
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS	95.19	94.82	94.82	94.68	94.34
NET INT INC-TE TO AVG EARN ASSET	3.69	4.15	4.12	4.38	4.38
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN&LS	0.48	0.17	0.23	0.15	0.15
LN&LS ALLOWANCE TO TOTAL LN&LS	1.47	1.26	1.28	1.27	1.30
NON-CUR LN&LS TO GROSS LN&LS	2.66	1.20	1.39	0.81	0.76
Liquidity
NET NON CORE FUND DEPENDENCE	38.72	33.90	35.64	29.61	28.25
NET LOANS & LEASES TO ASSETS	73.09	69.01	70.58	65.55	65.13
Capitalization
TIER ONE LEVERAGE CAPITAL	9.84	10.32	10.08	10.51	10.09
TIER ONE RBC TO RISK-WGT ASSETS	12.77	13.90	13.33	14.63	14.31
TOTAL RBC TO RISK-WEIGHT ASSETS	14.06	15.09	14.56	15.78	15.48
CASH DIVIDENDS TO NET INCOME	15.10	21.40	24.72	17.20	16.02
Growth Rates
ASSETS	10.16	13.92	13.91	14.52	15.32
TIER ONE CAPITAL	5.21	10.21	7.53	13.37	17.20
NET LOANS & LEASES	16.54	19.87	22.35	17.61	16.22

Banks in Selected Peer Group
Bank Name	RSSD	CERT	Assets
BANCO POPULAR DE PUERTO RICO	940311	34968	25,937,000
FIRSTBANK OF PUERTO RICO	510871	30387	18,288,435
WESTERNBANK PUERTO RICO	752970	31027	16,787,748
BANCO POPULAR NORTH AMERICA	2736291	34967	12,801,641
EAST WEST BANK	197478	31628	11,706,993
CATHAY BANK	595869	18503	11,039,989
INTERNATIONAL BK OF COM	1001152	19629	9,821,668
DORAL BANK	671576	32102	8,701,494
BANCO SANTANDER PUERTO RICO	816210	20828	7,952,722
R-G PREMIER BANK OF RQ	559777	32185	7,193,424
BANCO BILBAO VIZCAYA ARGENTA	170716	19919	6,234,406
ORIENTAL BANK&TRUST	245276	31469	5,556,900
OCEAN BANK	663834	24156	4,439,070
EUROBANK	1164730	27150	2,783,436
CENTER BANK	671464	26610	2,032,238
U S CENTURY BANK	3146150	57369	1,753,775
MUTUAL BANK	754433	18659	1,678,284
LONE STAR NATIONAL BANK	842460	24347	1,668,976
SCOTIABANK DE PUERTO RICO	716413	22946	1,553,675
PREFERRED BANK	1918344	33539	1,447,632
METROBANK NATIONAL ASSN	189352	26937	1,174,794
NATIONAL REPUBLIC BK CHICAGO	215130	916	957,433
BAC FLORIDA BANK	725732	21265	949,564
UNITED CENTRAL BANK	259657	25330	906,583
FALCON INTERNATIONAL BANK	564557	26856	890,163
SAEHAN BANK	1865680	33435	887,458
BANK OF GUAM	711472	20884	872,679
INTERNATIONAL BK OF COM	230759	25679	835,564
BANK OF THE ORIENT	777366	20387	731,390
FINANCE FACTORS LTD	827560	25158	704,021
INTERNATIONAL BK OF MIAMI NA	666031	19040	697,609
ONEUNITED BANK	935308	23966	625,311
AMERICAN FIRST NATIONAL BANK	2694681	34656	620,185
STATE BANK OF TEXAS	1157415	27074	595,745
FIRST AMERICAN INTL BANK	2857794	35186	592,295
PACIFIC CITY BANK	3212402	57463	565,570
FOSTER BANK	1362246	27447	565,200
HAVEN TRUST BANK	2876889	35379	559,551
TOMATOBANK NATIONAL ASSN	2943389	35474	540,687
TRANSATLANTIC BANK	972237	25580	499,165
HAWAII NATIONAL BANK	915065	18296	498,499
GOLDEN BANK NATIONAL ASSN	536059	26223	478,417
EVERTRUST BANK	2297998	34010	477,540
CITY NB OF NEW JERSEY	567905	21111	471,099
ESPIRITO SANTO BANK	729132	21220	461,258
MIRAE BANK	3125016	57332	450,094
COMMERCE BANK	625159	23772	440,141
ASIA BANK NATIONAL ASSN	810900	25745	437,681
FIRST COMMERCIAL BANK USA	2332910	34496	437,511
INTERNATIONAL BK OF COM	382069	24961	423,045
METRO UNITED BANK	1864601	33401	421,965
INTERNATIONAL FINANCE BANK	867632	24823	386,889
PREMIER AMERICAN BANK	3048067	57147	386,655
FIRST INTERNATIONAL BANK	1899902	33513	381,214
LIBERTY BANK&TRUST CO	283438	20856	366,502
INDUSTRIAL BANK	536527	14679	365,302
COMMUNITY COMMERCE BANK	299868	26363	364,957
QUANTUM NATIONAL BANK	2354387	34110	364,872
SEAWAY BANK&TRUST CO	673431	19328	344,539
CITIZENS TRUST BANK	680130	8033	335,107
SOUTHWESTERN NATIONAL BANK	2625724	34319	331,537
PREMIER BANK	2869199	35419	324,981
EXECUTIVE NATIONAL BANK	1002430	20711	303,351
FIRST COMMERCE BANK	621674	32193	299,433
COMMONWEALTH BUSINESS BANK	3337097	57873	295,847
CAPITOL CITY BANK&TRUST CO	2243977	33938	295,507
CANYON NATIONAL BANK	2713582	34692	294,545
WALLIS STATE BANK	283867	20845	291,376
BNB BANK NATIONAL ASSN	609609	26790	289,525
INNOVATIVE BANK	104663	23876	284,747
HARBOR BANK OF MARYLAND	533124	24015	279,986
MECHANICS&FARMERS BANK	332224	12266	273,876
METRO CITY BANK	3437456	58181	272,923
PACIFIC INTERNATIONAL BANK	3071083	57246	247,409
UNITI BANK	3076284	57120	244,831
UNITED AMERICAS BANK NA	2806112	35065	239,653
FIRST INTERCONTINENTAL BANK	2877840	34998	235,316
LUMBEE GUARANTY BANK	651121	20568	231,118
CONTINENTAL NB OF MIAMI	837037	21578	215,118
LEGACY BANK	2727990	34818	214,828
FIRST INDEPENDENCE BANK	254849	20179	203,926
AMERASIA BANK	1169650	27267	190,676
FIRST BANKAMERICANO	2538842	34270	183,917
EASTBANK NATIONAL ASSN	98717	25749	180,091
INTERNATIONAL BK OF CHICAGO	2006024	33708	177,889
FIRST NATIONAL BANK&TRUST CO	396253	25738	176,109
SUNSTATE BANK	2791085	34643	174,866
PACIFIC GLOBAL BANK	2360904	34089	166,351
HIGH TRUST BANK	770433	19554	164,878
FIRST GENERAL BANK	3386264	58060	157,131
HAVEN TRUST BANK FLORIDA	3448836	58308	154,519
MISSION NATIONAL BANK	519360	23749	152,130
GLOBAL COMMERCE BANK	2328249	34046	150,706
BBVA BANCOMER USA	423065	18255	145,416
CENTINEL BANK OF TAOS	800853	19904	144,882
CITIZENS SECURITY BK GQ INC	1852569	33316	143,407
MY BANK	1972298	33616	141,795
METROPOLITAN BANK	534466	25869	137,973
UNITED PACIFIC BANK	609467	23805	137,246
UNION CREDIT BANK	3057818	35599	133,323
OMNI BANK NATIONAL ASSN	300063	23086	132,948
BORREGO SPRINGS BANK NA	962265	24080	131,548
NEIGHBORHOOD NATIONAL BANK	2333140	34548	131,527
AMERICAN CONTINENTAL BANK	3216316	57444	131,420
FARMERS&MERCHANTS BANK	163857	12761	131,051
FIRST STANDARD BANK	3357219	57944	130,595
INTERCONTINENTAL BANK	3122828	57214	128,661
PACIFIC RIM BANK	3426656	58137	127,787
TRI-STATE BANK OF MEMPHIS	515054	16511	122,569
INDUS AMERICAN BANK	3369959	57983	120,129
WOODLANDS NATIONAL BANK	980951	1417	118,546
AMERICAN UNITED BANK	3311181	57794	118,245
UNITED BK EL PASO DEL NORTE	2942823	57119	113,988
AMERICAN BK BAXTER SPRINGS	1002953	4624	112,775
UNIBANK	3487947	58407	112,431
HIGHLAND COMMUNITY BANK	76135	20290	111,438
SECURITY ONE BANK	3419416	58243	110,427
US METRO BANK	3470154	58310	107,880
NATIVE AMERICAN BANK NA	664653	27026	107,225
BAY BANK	2329200	34052	106,973
ALAMERICA BANK	2877484	35314	106,216
UNITED ORIENT BANK	70218	23373	103,904
AMERICAS UNITED BANK	3488980	58360	102,977
DETROIT COMMERCE BANK	2716613	34919	102,736
BANK OF ST CROIX INC	2281371	33990	100,327
TOTAL ASSETS	-	-	194,051,221

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