Peer Data

Multi-Racial 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	3	3	3	3	3
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME	1.67	1.76	1.71	1.37	1.41
NONINTEREST EXPENSE	4.28	4.81	5.31	4.77	4.45
PROVISION LOAN & LEASE LOSSES	0.34	0.39	0.32	0.09	0.01
REALIZED GAINS/LOSSES SEC	0.00	-0.01	-0.01	-0.12	0.01
NET OPERATING INCOME	0.30	0.27	-0.21	0.03	0.34
NET INCOME	0.30	0.27	-0.21	0.03	0.34
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS	93.35	93.47	93.46	91.74	90.40
NET INT INC-TE TO AVG EARN ASSET	3.61	4.24	4.17	4.36	4.04
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN&LS	0.20	0.42	0.35	0.07	0.13
LN&LS ALLOWANCE TO TOTAL LN&LS	0.99	1.00	0.95	0.98	1.12
NON-CUR LN&LS TO GROSS LN&LS	3.61	1.33	2.19	0.96	0.75
Liquidity
NET NON CORE FUND DEPENDENCE	51.09	46.69	43.25	20.30	32.67
NET LOANS & LEASES TO ASSETS	77.39	73.29	72.99	67.64	58.52
Capitalization
TIER ONE LEVERAGE CAPITAL	9.17	11.45	10.27	11.51	10.98
TIER ONE RBC TO RISK-WGT ASSETS	12.39	15.54	14.51	17.34	18.84
TOTAL RBC TO RISK-WEIGHT ASSETS	13.41	16.55	15.50	18.31	19.93
CASH DIVIDENDS TO NET INCOME	21.72	0.00	0.00	0.00	0.00
Growth Rates
ASSETS	18.22	6.13	8.82	4.89	11.80
TIER ONE CAPITAL	-3.98	12.92	-2.92	11.17	3.18
NET LOANS & LEASES	23.98	19.03	20.56	20.94	21.44

Banks in Selected Peer Group
Bank Name	RSSD	CERT	Assets
ESPIRITO SANTO BANK	729132	21220	461,258
SUNSTATE BANK	2791085	34643	174,866
NEIGHBORHOOD NATIONAL BANK	2333140	34548	131,527
TOTAL ASSETS	-	-	767,651