Peer Data

Multi-Racial American Banks: Under $100M (Year-End 2008)
	12/31/2008	12/31/2007	12/31/2006	12/31/2005	12/31/2004
Peer Group Information
NUMBER OF BANKS IN PEER GROUP	2	2	2	1	1
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME	0.60	0.83	0.84	0.64	7.79
NONINTEREST EXPENSE	5.63	8.38	12.08	5.75	5.41
PROVISION LOAN & LEASE LOSSES	0.52	0.42	0.67	0.23	0.24
REALIZED GAINS/LOSSES SEC	0.03	0.00	0.00	0.00	-0.59
NET OPERATING INCOME	-1.96	-3.06	-6.58	-0.30	4.95
NET INCOME	-1.96	-3.06	-6.58	-0.30	4.95
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS	97.24	95.51	95.81	96.49	94.11
NET INT INC-TE TO AVG EARN ASSET	3.27	4.38	5.16	5.10	3.63
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN&LS	-0.01	0.08	0.02	0.27	0.03
LN&LS ALLOWANCE TO TOTAL LN&LS	2.11	1.60	1.43	1.41	1.32
NON-CUR LN&LS TO GROSS LN&LS	1.70	2.03	0.00	0.00	0.08
Liquidity
NET NON CORE FUND DEPENDENCE	53.23	25.35	10.35	20.92	19.32
NET LOANS & LEASES TO ASSETS	51.17	66.59	70.18	62.95	76.79
Capitalization
TIER ONE LEVERAGE CAPITAL	10.27	14.79	30.29	20.15	21.50
TIER ONE RBC TO RISK-WGT ASSETS	15.97	17.95	29.65	22.46	26.98
TOTAL RBC TO RISK-WEIGHT ASSETS	17.22	18.96	30.60	23.56	28.23
CASH DIVIDENDS TO NET INCOME	0.00	0.00	0.00	0.00	0.00
Growth Rates
ASSETS	61.02	68.37	-2.66	16.52	-39.49
TIER ONE CAPITAL	7.32	-17.87	-3.17	-1.40	52.17
NET LOANS & LEASES	20.27	59.13	-6.20	-4.48	35.03

Banks in Selected Peer Group
FDIC Cert. Number	Institution Name	City	State	Zip	County
57041	The Community's Bank	Bridgeport	CT	06604	Fairfield
58082	Libertad Bank SSB	Austin	TX	78704	Travis