Peer Data

Multi-Racial American Banks: Under $100M (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	2	2	2	2	1
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME	0.68	0.95	0.83	0.84	0.64
NONINTEREST EXPENSE	6.00	8.77	8.38	12.08	5.75
PROVISION LOAN & LEASE LOSSES	0.64	0.36	0.42	0.67	0.23
REALIZED GAINS/LOSSES SEC	0.04	0.00	0.00	0.00	0.00
NET OPERATING INCOME	-2.25	-3.03	-3.06	-6.58	-0.30
NET INCOME	-2.25	-3.03	-3.06	-6.58	-0.30
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS	97.29	95.70	95.51	95.81	96.49
NET INT INC-TE TO AVG EARN ASSET	3.32	4.60	4.38	5.16	5.10
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN&LS	-0.04	0.00	0.08	0.02	0.27
LN&LS ALLOWANCE TO TOTAL LN&LS	2.08	1.55	1.60	1.43	1.41
NON-CUR LN&LS TO GROSS LN&LS	1.34	2.23	2.03	0.00	0.00
Liquidity
NET NON CORE FUND DEPENDENCE	48.56	12.58	25.35	10.35	20.92
NET LOANS & LEASES TO ASSETS	56.11	69.38	66.59	70.18	62.95
Capitalization
TIER ONE LEVERAGE CAPITAL	9.07	17.48	14.79	30.29	20.15
TIER ONE RBC TO RISK-WGT ASSETS	14.71	19.27	17.95	29.65	22.46
TOTAL RBC TO RISK-WEIGHT ASSETS	15.97	20.20	18.96	30.60	23.56
CASH DIVIDENDS TO NET INCOME	0.00	0.00	0.00	0.00	0.00
Growth Rates
ASSETS	61.63	67.61	68.37	-2.66	16.52
TIER ONE CAPITAL	-11.10	-16.18	-17.87	-3.17	-1.40
NET LOANS & LEASES	27.49	111.21	59.13	-6.20	-4.48

Banks in Selected Peer Group
Bank Name	RSSD	CERT	Assets
COMMUNITYS BANK	2914905	57041	48,368
LIBERTAD BANK SSB	3347911	58082	41,844
TOTAL ASSETS	-	-	90,212