Peer Data

All Minority Banks (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	189	187	189	178	161
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME	0.74	0.76	0.78	0.80	0.93
NONINTEREST EXPENSE	3.85	4.11	4.21	4.54	3.90
PROVISION LOAN & LEASE LOSSES	0.54	0.30	0.37	0.31	0.25
REALIZED GAINS/LOSSES SEC	0.00	-0.00	0.00	-0.00	-0.00
NET OPERATING INCOME	-0.19	0.19	-0.02	-0.04	0.78
NET INCOME	-0.18	0.19	-0.02	-0.02	0.78
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS	94.46	94.19	94.02	94.04	93.75
NET INT INC-TE TO AVG EARN ASSET	3.76	4.27	4.22	4.48	4.45
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN&LS	0.44	0.16	0.20	0.15	0.17
LN&LS ALLOWANCE TO TOTAL LN&LS	1.47	1.29	1.32	1.30	1.36
NON-CUR LN&LS TO GROSS LN&LS	2.49	1.23	1.38	0.93	0.87
Liquidity
NET NON CORE FUND DEPENDENCE	33.50	25.32	28.41	24.08	24.36
NET LOANS & LEASES TO ASSETS	71.15	65.49	67.34	63.18	63.21
Capitalization
TIER ONE LEVERAGE CAPITAL	11.07	12.35	12.06	12.79	10.67
TIER ONE RBC TO RISK-WGT ASSETS	14.77	17.29	16.51	18.23	15.79
TOTAL RBC TO RISK-WEIGHT ASSETS	16.00	18.46	17.66	19.45	16.93
CASH DIVIDENDS TO NET INCOME	13.57	16.59	18.71	16.30	15.77
Growth Rates
ASSETS	12.28	14.21	13.94	11.93	12.88
TIER ONE CAPITAL	2.92	5.85	4.11	9.93	14.83
NET LOANS & LEASES	23.10	21.31	24.01	16.84	13.13

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
PLUS INTERNATIONAL BANK	3049729	57083	99,600
EUROBANK	110936	26725	98,832
BANK OF CHEROKEE COUNTY	815754	2327	96,070
CONSOLIDATED BANK&TRUST CO	517423	11583	91,983
AMERICAN METRO BANK	2533043	34334	91,554
ASIAN BANK	2785477	34759	91,309
GLOBAL BANK	3561771	58263	89,845
BANK 2	64552	11521	89,358
PREMIER BANK	2380470	34112	89,169
NORTH MILWAUKEE STATE BANK	759540	20364	87,146
OKLAHOMA STATE BANK	285759	15611	86,579
GREAT EASTERN BANK OF FL	2145389	33872	86,011
FIRST CHOICE BANK	3374878	57966	85,806
BANK OF COMMERCE	322850	422	84,810
F&M BANK NA OK CITY OK	1357466	27421	84,273
PLAZA BANK	3447875	58305	84,203
EASTERN INTERNATIONAL BANK	206772	32277	83,288
FIRST TUSKEGEE BANK	1897168	33519	82,815
SOUTH CAROLINA CMTY BANK	2794732	35241	81,182
AMERICAN PREMIER BANK	3175619	57198	78,695
BANK OF SOUTH TEXAS	49858	26727	77,176
BANCO POPULAR NATIONAL ASSN	2845166	35208	76,272
NEWBANK	3472859	58203	74,003
CITIZENS B&T CO OF CHICAGO	2634735	34658	73,563
ONE WORLD BANK	3296859	57901	72,193
PROMERICA BANK	3462074	58349	71,693
AMERICAN PLUS BANK N A	3623110	58469	71,437
CITIZENS SAVINGS B&T CO	55635	10319	71,196
UNITED BANK OF PHILADELPHIA	1945247	33568	71,104
PEOPLES BANK OF SENECA	2396592	34146	71,066
COMMONWEALTH NATIONAL BANK	578237	22229	70,890
PREMIER BUSINESS BANK	3459346	58261	69,307
TEXAS NATIONAL BANK	497954	3337	66,917
CITIZENS STATE BANK	804860	22657	64,811
OHANA PACIFIC BANK	3447772	58231	64,344
PACIFIC ALLIANCE BANK	3546862	58234	63,581
MEGA BANK	3690635	58401	60,154
FORT GIBSON STATE BANK	186856	21090	58,456
UNITY NB OF HOUSTON	853251	26351	57,118
SAIGON NATIONAL BANK	3394380	57974	55,043
FIRST VIETNAMESE AMERICAN BK	3351598	57885	54,292
FIRST STATE BANK	524766	18301	50,249
COMMUNITYS BANK	2914905	57041	48,368
PEOPLES BANK	539452	2320	47,210
BANK OF GROVE	3286999	57915	45,995
ASIAN PACIFIC NATIONAL BANK	1462986	33013	45,885
MOREBANK	3427765	57871	44,772
LIBERTAD BANK SSB	3347911	58082	41,844
GREATER SOUTH TEXAS BANK	518877	31762	41,415
CARVER STATE BANK	370833	16584	40,750
CENTRAL BANK	3468450	58377	40,702
PAN AMERICAN BANK	641364	20448	40,472
AMERICAN PRIDE BANK	3671997	58584	40,074
New	3428221	58253	37,077
NEVADA NATIONAL BANK	3589588	58418	35,857
GOLDEN COAST BANK	3598218	58391	35,576
GATEWAY BANK OF ST LOUIS	182157	19450	35,476
FIRST STATE BANK OF PORTER	521251	4180	34,715
FIRST ASIAN BANK	3604155	58499	34,493
MILLENNIUM BANK	3547896	58348	34,431
COVENANT BANK	533937	22476	33,811
LOUISVILLE CMTY DEVELOPMENT	2496081	34308	32,816
SONORAN BANK N A	3450950	58252	32,279
FIRST STATE BANK	722227	9502	27,819
UNITED BANK&TRUST CO	1478307	33144	25,378
LOTUS BANK	3482166	58340	25,110
ALL AMERICAN BANK	3373947	57759	22,607
ALLNATIONS BANK	146056	4051	20,871
NUESTRO BANCO	3610576	58550	18,134
EAGLE BANK	3346633	58282	17,552
SANTA ANA BUSINESS BANK	3640283	58390	14,839
AMERICAN STATE BANK	449850	20292	10,870
TURTLE MOUNTAIN STATE BANK	3626184	58586	7,099
TOTAL ASSETS	-	-	198,292,911

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