Peer Data

Multi-Racial American Banks: Under $100M (As of March 31, 2009)
	03/31/2009	03/31/2008	12/31/2008	12/31/2007	12/31/2006
Peer Group Information
NUMBER OF BANKS IN PEER GROUP	2	2	2	2	2
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME	0.15	0.78	0.60	0.83	0.84
NONINTEREST EXPENSE	4.11	7.17	5.74	8.38	12.08
PROVISION LOAN & LEASE LOSSES	1.04	1.75	0.52	0.42	0.67
REALIZED GAINS/LOSSES SEC	0.49	0.10	0.03	0.00	0.00
NET OPERATING INCOME	-1.70	-3.71	-2.13	-3.06	-6.58
NET INCOME	-1.70	-3.71	-2.13	-3.06	-6.58
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS	97.66	95.74	97.24	95.51	95.81
NET INT INC-TE TO AVG EARN ASSET	2.89	4.02	3.22	4.38	5.16
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN&LS	2.60	0.03	-0.01	0.08	0.02
LN&LS ALLOWANCE TO TOTAL LN&LS	1.90	1.97	2.11	1.60	1.43
NON-CUR LN&LS TO GROSS LN&LS	3.33	0.30	1.70	2.03	0.00
Liquidity
NET NON CORE FUND DEPENDENCE	43.62	30.84	53.23	25.35	10.35
NET LOANS & LEASES TO ASSETS	47.02	65.97	51.20	66.59	70.18
Capitalization
TIER ONE LEVERAGE CAPITAL	10.05	13.39	10.22	14.79	30.29
TIER ONE RBC TO RISK-WGT ASSETS	16.62	15.90	15.91	17.95	29.65
TOTAL RBC TO RISK-WEIGHT ASSETS	17.88	17.17	17.16	18.96	30.60
CASH DIVIDENDS TO NET INCOME	0.00	0.00	0.00	0.00	0.00
Growth Rates
ASSETS	46.70	65.95	60.95	68.37	-2.66
TIER ONE CAPITAL	14.90	-15.66	6.83	-17.87	-3.17
NET LOANS & LEASES	6.39	69.61	20.27	59.13	-6.20

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