Peer Data

Multi-Racial American 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	5	5	5	5	4
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME	1.27	1.43	1.36	1.16	1.22
NONINTEREST EXPENSE	4.96	6.39	6.54	7.69	4.78
PROVISION LOAN & LEASE LOSSES	0.46	0.38	0.36	0.32	0.07
REALIZED GAINS/LOSSES SEC	0.02	-0.01	-0.01	-0.07	0.01
NET OPERATING INCOME	-0.72	-1.05	-1.35	-2.61	0.18
NET INCOME	-0.72	-1.05	-1.35	-2.61	0.18
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS	94.93	94.36	94.28	93.37	91.92
NET INT INC-TE TO AVG EARN ASSET	3.49	4.38	4.25	4.68	4.30
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN&LS	0.10	0.25	0.24	0.05	0.17
LN&LS ALLOWANCE TO TOTAL LN&LS	1.42	1.22	1.21	1.16	1.19
NON-CUR LN&LS TO GROSS LN&LS	2.70	1.69	2.12	0.58	0.56
Liquidity
NET NON CORE FUND DEPENDENCE	50.08	33.04	36.09	16.32	29.73
NET LOANS & LEASES TO ASSETS	68.87	71.73	70.43	68.65	59.63
Capitalization
TIER ONE LEVERAGE CAPITAL	9.13	13.86	12.08	19.02	13.27
TIER ONE RBC TO RISK-WGT ASSETS	13.32	17.03	15.88	22.26	19.74
TOTAL RBC TO RISK-WEIGHT ASSETS	14.43	18.01	16.88	23.23	20.84
CASH DIVIDENDS TO NET INCOME	13.03	0.00	0.00	0.00	0.00
Growth Rates
ASSETS	35.58	30.72	32.64	1.87	12.98
TIER ONE CAPITAL	-6.82	1.28	-8.90	5.44	2.04
NET LOANS & LEASES	25.38	55.90	35.98	10.09	14.96

Banks in Selected Peer Group
Bank Name	RSSD	CERT	Assets
COMMUNITYS BANK	2914905	57041	48,368
ESPIRITO SANTO BANK	729132	21220	461,258
SUNSTATE BANK	2791085	34643	174,866
NEIGHBORHOOD NATIONAL BANK	2333140	34548	131,527
LIBERTAD BANK SSB	3347911	58082	41,844
TOTAL ASSETS	-	-	857,863