Peer Data

Multi-Racial American Banks (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	5	5	5	4	4
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME	1.21	1.36	1.16	1.22	2.87
NONINTEREST EXPENSE	4.86	6.54	7.69	4.78	4.61
PROVISION LOAN & LEASE LOSSES	0.77	0.36	0.32	0.07	0.22
REALIZED GAINS/LOSSES SEC	0.03	-0.01	-0.07	0.01	-0.06
NET OPERATING INCOME	-0.98	-1.35	-2.61	0.18	1.62
NET INCOME	-0.98	-1.35	-2.61	0.18	1.62
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS	95.58	94.67	93.37	91.92	90.06
NET INT INC-TE TO AVG EARN ASSET	3.42	4.23	4.68	4.30	3.86
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN&LS	0.44	0.24	0.05	0.17	0.05
LN&LS ALLOWANCE TO TOTAL LN&LS	1.56	1.21	1.16	1.19	1.38
NON-CUR LN&LS TO GROSS LN&LS	2.22	2.13	0.58	0.56	0.93
Liquidity
NET NON CORE FUND DEPENDENCE	50.28	36.09	16.32	29.73	24.38
NET LOANS & LEASES TO ASSETS	66.56	70.43	68.65	59.63	59.29
Capitalization
TIER ONE LEVERAGE CAPITAL	9.23	12.08	19.02	13.27	14.52
TIER ONE RBC TO RISK-WGT ASSETS	13.57	15.88	22.26	19.74	21.90
TOTAL RBC TO RISK-WEIGHT ASSETS	14.75	16.89	23.23	20.84	23.10
CASH DIVIDENDS TO NET INCOME	-14.64	0.00	0.00	0.00	-23.15
Growth Rates
ASSETS	34.23	32.64	1.87	12.98	2.01
TIER ONE CAPITAL	2.16	-8.90	5.44	2.04	18.36
NET LOANS & LEASES	21.25	35.98	10.09	14.96	18.47

Banks in Selected Peer Group
FDIC Cert. Number	Institution Name	City	State	Zip	County
21220	Espirito Santo Bank	Miami	FL	33131	Miami-dade
34548	Neighborhood National Bank	San Diego	CA	92113	San Diego
34643	Sunstate Bank	Miami	FL	33176	Miami-dade
57041	The Community's Bank	Bridgeport	CT	06604	Fairfield
58082	Libertad Bank SSB	Austin	TX	78704	Travis