Peer Data

Multi-Racial American Banks: $100M & Over (As of June 30, 2009)
	06/30/2009	06/30/2008	12/31/2008	12/31/2007	12/31/2006
Peer Group Information
NUMBER OF BANKS IN PEER GROUP	3	3	3	3	3
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME	1.27	1.43	1.62	1.71	1.37
NONINTEREST EXPENSE	3.72	4.29	4.35	5.31	4.77
PROVISION LOAN & LEASE LOSSES	2.52	0.31	1.05	0.32	0.09
REALIZED GAINS/LOSSES SEC	0.21	0.00	0.02	-0.01	-0.12
NET OPERATING INCOME	-1.37	0.21	-0.44	-0.21	0.03
NET INCOME	-1.27	0.21	-0.44	-0.21	0.03
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS	95.89	94.76	94.47	94.12	91.74
NET INT INC-TE TO AVG EARN ASSET	3.08	3.63	3.52	4.13	4.36
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN&LS	2.75	0.14	0.79	0.34	0.07
LN&LS ALLOWANCE TO TOTAL LN&LS	1.73	0.96	1.27	0.95	0.98
NON-CUR LN&LS TO GROSS LN&LS	3.13	3.22	2.58	2.21	0.96
Liquidity
NET NON CORE FUND DEPENDENCE	42.54	50.73	48.39	43.25	20.30
NET LOANS & LEASES TO ASSETS	70.97	76.30	76.80	72.99	67.64
Capitalization
TIER ONE LEVERAGE CAPITAL	8.77	9.55	8.44	10.27	11.51
TIER ONE RBC TO RISK-WGT ASSETS	12.39	13.01	11.87	14.51	17.34
TOTAL RBC TO RISK-WEIGHT ASSETS	13.52	14.03	13.00	15.50	18.31
CASH DIVIDENDS TO NET INCOME	0.00	234.67	-11.98	0.00	0.00
Growth Rates
ASSETS	13.04	19.40	16.25	8.82	4.89
TIER ONE CAPITAL	10.42	-4.17	-2.59	-2.92	11.17
NET LOANS & LEASES	4.94	30.98	21.75	20.56	20.94

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