Peer Data

Multi-Racial American Banks (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	5	5	5	5	5
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME	0.86	1.14	1.21	1.36	1.16
NONINTEREST EXPENSE	3.80	5.61	4.91	6.54	7.69
PROVISION LOAN & LEASE LOSSES	1.53	0.84	0.84	0.36	0.32
REALIZED GAINS/LOSSES SEC	0.27	0.04	0.03	-0.01	-0.07
NET OPERATING INCOME	-1.35	-1.44	-1.11	-1.35	-2.61
NET INCOME	-1.22	-1.44	-1.11	-1.35	-2.61
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS	96.62	95.30	95.58	94.67	93.37
NET INT INC-TE TO AVG EARN ASSET	2.90	3.87	3.40	4.23	4.68
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN&LS	1.81	0.07	0.47	0.24	0.05
LN&LS ALLOWANCE TO TOTAL LN&LS	1.69	1.37	1.60	1.21	1.16
NON-CUR LN&LS TO GROSS LN&LS	3.65	1.10	2.23	2.13	0.58
Liquidity
NET NON CORE FUND DEPENDENCE	40.41	38.38	50.33	36.09	16.32
NET LOANS & LEASES TO ASSETS	63.39	70.34	66.56	70.43	68.65
Capitalization
TIER ONE LEVERAGE CAPITAL	9.33	11.26	9.15	12.08	19.02
TIER ONE RBC TO RISK-WGT ASSETS	14.61	14.61	13.48	15.88	22.26
TOTAL RBC TO RISK-WEIGHT ASSETS	15.82	15.71	14.66	16.89	23.23
CASH DIVIDENDS TO NET INCOME	0.00	-103.53	-7.19	0.00	0.00
Growth Rates
ASSETS	28.61	35.75	34.13	32.64	1.87
TIER ONE CAPITAL	14.73	-8.92	1.18	-8.90	5.44
NET LOANS & LEASES	13.21	40.28	21.16	35.98	10.09

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