Peer Data

All Minority Banks (As of June 30, 2011)
Asset Size	All	Under $100M	Over $100M
Peer Group Information
Number of Banks in Peer Group	182	59	123
Earnings and Profitability: Percent of Average Assets
Noninterest Income	0.76	0.70	0.79
Noninterest Expense	3.60	4.53	3.16
Provision: Loan & Lease Losses	0.58	0.38	0.67
Realized Gains/Losses Sec	0.03	0.02	0.04
Net Operating Income	0.22	-0.45	0.47
Net Income	0.22	-0.45	0.47
Margin Analysis
Avg Earning Assets to Avg Assets	93.35	91.36	94.18
Net Int Inc-TE to Avg Earning Assets	3.98	4.16	3.88
Loan & Lease Analysis
Net Loss to Average Total LN & LS	0.81	0.55	0.93
LN & LS Allowance to Total LN & LS	2.60	2.44	2.66
Noncurrent Loans to Total Loans	5.02	3.85	5.51
Liquidity
Net Noncore Fund Dependence	6.44	-0.53	9.54
Net Loans & Leases to Assets	65.05	62.74	65.95
Capitalization
Tier One Leverage Capital	10.19	9.79	10.37
Tier One RBC to Risk-Weight Assets	15.24	14.93	15.29
Total RBC to Risk-Weight Assets	16.54	16.23	16.59
Cash Dividends to Net Income	7.16	7.66	7.06
Growth Rates
Total Assets	-0.48	-0.92	-0.46
Tier One Capital	1.84	-3.69	3.92
Net Loans & Leases	-3.75	-4.56	-3.46

Banks in Selected Peer Group
FRB ID RSSD	Institution Name	City	State
49858	BANK OF SOUTH TEXAS	MCALLEN	TX
50461	CALIFORNIA PACIFIC BANK	SAN FRANCISCO	CA
52951	SECURITY STATE BANK OF WEWOKA, OKLAHOMA	WEWOKA	OK
55635	CITIZENS SAVINGS BANK AND TRUST COMPANY	NASHVILLE	TN
64552	BANK2	OKLAHOMA CITY	OK
70218	UNITED ORIENT BANK	NEW YORK	NY
71859	CBW BANK	WEIR	KS
76135	HIGHLAND COMMUNITY BANK	CHICAGO	IL
98717	EASTBANK, NATIONAL ASSOCIATION	NEW YORK	NY
110936	EUROBANK	CORAL GABLES	FL
146056	ALLNATIONS BANK	CALUMET	OK
163857	FARMERS & MERCHANTS BANK	CRESCENT	OK
170716	BANCO BILBAO VIZCAYA ARGENTARIA PUERTO RICO	SAN JUAN	PR
186856	FORT GIBSON STATE BANK	FORT GIBSON	OK
189352	METROBANK, NATIONAL ASSOCIATION	HOUSTON	TX
197478	EAST WEST BANK	PASADENA	CA
206772	EASTERN INTERNATIONAL BANK	LOS ANGELES	CA
215130	NATIONAL REPUBLIC BANK OF CHICAGO, THE	CHICAGO	IL
230759	INTERNATIONAL BANK OF COMMERCE	BROWNSVILLE	TX
244037	SLOCOMB NATIONAL BANK, THE	SLOCOMB	AL
245276	ORIENTAL BANK AND TRUST	SAN JUAN	PR
254849	FIRST INDEPENDENCE BANK	DETROIT	MI
259657	UNITED CENTRAL BANK	GARLAND	TX
283438	LIBERTY BANK AND TRUST COMPANY	NEW ORLEANS	LA
283867	WALLIS STATE BANK, THE	WALLIS	TX
285759	OKLAHOMA STATE BANK	VINITA	OK
286457	PARK STATE BANK	DULUTH	MN
299868	COMMUNITY COMMERCE BANK	CLAREMONT	CA
300063	NEW OMNI BANK, NATIONAL ASSOCIATION	ALHAMBRA	CA
322850	BANK OF COMMERCE	STILWELL	OK
332224	MECHANICS & FARMERS BANK	DURHAM	NC
338851	CAMBRIDGE STATE BANK	CAMBRIDGE	MN
370833	CARVER STATE BANK	SAVANNAH	GA
382069	INTERNATIONAL BANK OF COMMERCE	ZAPATA	TX
382667	WILSHIRE STATE BANK	LOS ANGELES	CA
396253	FIRST NATIONAL BANK AND TRUST COMPANY	SHAWNEE	OK
497954	TEXAS NATIONAL BANK	MERCEDES	TX
510871	FIRSTBANK PUERTO RICO	SAN JUAN	PR
515054	TRI-STATE BANK OF MEMPHIS	MEMPHIS	TN
518877	GREATER SOUTH TEXAS BANK	FALFURRIAS	TX
519360	MISSION NATIONAL BANK	SAN FRANCISCO	CA
521251	FIRST STATE BANK OF PORTER	PORTER	OK
524766	FIRST STATE BANK	SHALLOWATER	TX
533124	HARBOR BANK OF MARYLAND, THE	BALTIMORE	MD
533937	COVENANT BANK	CHICAGO	IL
534466	METROPOLITAN BANK	OAKLAND	CA
536059	GOLDEN BANK, NATIONAL ASSOCIATION	HOUSTON	TX
536527	INDUSTRIAL BANK	WASHINGTON	DC
539452	PEOPLES BANK	WESTVILLE	OK
564557	FALCON INTERNATIONAL BANK	LAREDO	TX
567905	CITY NATIONAL BANK OF NEW JERSEY	NEWARK	NJ
578237	COMMONWEALTH NATIONAL BANK	MOBILE	AL
595869	CATHAY BANK	LOS ANGELES	CA
609467	UNITED PACIFIC BANK	CITY OF INDUSTRY	CA
609609	BNB BANK, NATIONAL ASSOCIATION	FORT LEE	NJ
613464	GOLDEN SECURITY BANK	ROSEMEAD	CA
625159	COMMERCE BANK	LAREDO	TX
641364	PAN AMERICAN BANK	LOS ANGELES	CA
651121	LUMBEE GUARANTY BANK	PEMBROKE	NC
657365	HANMI BANK	LOS ANGELES	CA
663834	OCEAN BANK	MIAMI	FL
664653	NATIVE AMERICAN BANK, NATIONAL ASSOCIATION	DENVER	CO
671464	CENTER BANK	LOS ANGELES	CA
673431	SEAWAY BANK AND TRUST COMPANY	CHICAGO	IL
680130	CITIZENS TRUST BANK	ATLANTA	GA
711472	BANK OF GUAM	HAGATNA	GU
716413	SCOTIABANK DE PUERTO RICO	HATO REY	PR
722227	FIRST STATE BANK	DANVILLE	VA
725732	BAC FLORIDA BANK	CORAL GABLES	FL
729132	ESPIRITO SANTO BANK	MIAMI	FL
751852	CENTRAL BANK OF KANSAS CITY	KANSAS CITY	MO
759540	NORTH MILWAUKEE STATE BANK	MILWAUKEE	WI
770433	HIGH TRUST BANK	STOCKBRIDGE	GA
777366	BANK OF THE ORIENT	SAN FRANCISCO	CA
800853	CENTINEL BANK OF TAOS	TAOS	NM
804860	CITIZENS STATE BANK	ROMA	TX
810900	ASIA BANK, N.A.	FLUSHING	NY
815754	BANK OF CHEROKEE COUNTY	HULBERT	OK
816210	BANCO SANTANDER PUERTO RICO	SAN JUAN	PR
827560	FINANCE FACTORS, LIMITED	HONOLULU	HI
837037	CONTINENTAL NATIONAL BANK OF MIAMI	MIAMI	FL
842460	LONE STAR NATIONAL BANK	PHARR	TX
853251	UNITY NATIONAL BANK OF HOUSTON	HOUSTON	TX
867632	INTERNATIONAL FINANCE BANK	MIAMI	FL
915065	HAWAII NATIONAL BANK	HONOLULU	HI
935308	ONEUNITED BANK	BOSTON	MA
940311	BANCO POPULAR DE PUERTO RICO	SAN JUAN	PR
962265	BORREGO SPRINGS BANK, NATIONAL ASSOCIATION	LA MESA	CA
980951	WOODLANDS NATIONAL BANK	HINCKLEY	MN
996260	CHINATRUST BANK (U.S.A.)	TORRANCE	CA
1001152	INTERNATIONAL BANK OF COMMERCE	LAREDO	TX
1002430	EXECUTIVE NATIONAL BANK	MIAMI	FL
1157415	STATE BANK OF TEXAS	DALLAS	TX
1169650	AMERASIA BANK	FLUSHING	NY
1357466	F & M BANK, NATIONAL ASSOCIATION, OKLAHOMA CITY, OKLAHOMA	YUKON	OK
1362246	FOSTER BANK, THE	CHICAGO	IL
1436473	CIRCLE BANK	NOVATO	CA
1462986	ASIAN PACIFIC NATIONAL BANK	SAN GABRIEL	CA
1852569	ANZ GUAM, INC.	HAGATNA	GU
1864601	METRO UNITED BANK	SAN DIEGO	CA
1865680	SAEHAN BANK	LOS ANGELES	CA
1897168	FIRST TUSKEGEE BANK	TUSKEGEE	AL
1899902	FIRST INTERNATIONAL BANK	PLANO	TX
1918344	PREFERRED BANK	LOS ANGELES	CA
1945247	UNITED BANK OF PHILADELPHIA	PHILADELPHIA	PA
1972298	MY BANK	BELEN	NM
2006024	INTERNATIONAL BANK OF CHICAGO	CHICAGO	IL
2145389	GREAT EASTERN BANK OF FLORIDA	MIAMI	FL
2243977	CAPITOL CITY BANK & TRUST COMPANY	ATLANTA	GA
2281371	BANK OF ST. CROIX	CHRISTIANSTED	VI
2297998	EVERTRUST BANK	CITY OF INDUSTRY	CA
2328249	GLOBAL COMMERCE BANK	DORAVILLE	GA
2329200	BAY BANK	GREEN BAY	WI
2332910	FIRST COMMERCIAL BANK (U.S.A)	ALHAMBRA	CA
2333140	NEIGHBORHOOD NATIONAL BANK	SAN DIEGO	CA
2354387	QUANTUM NATIONAL BANK	SUWANEE	GA
2360904	PACIFIC GLOBAL BANK	CHICAGO	IL
2380470	PREMIER BANK	DENVER	CO
2396592	PEOPLE'S BANK OF SENECA	SENECA	MO
2496081	METRO BANK	LOUISVILLE	KY
2533043	AMERICAN METRO BANK	CHICAGO	IL
2625724	SOUTHWESTERN NATIONAL BANK	HOUSTON	TX
2694681	AMERICAN FIRST NATIONAL BANK	HOUSTON	TX
2736291	BANCO POPULAR NORTH AMERICA	NEW YORK	NY
2785477	ASIAN BANK	PHILADELPHIA	PA
2791085	SUNSTATE BANK	MIAMI	FL
2794732	SOUTH CAROLINA COMMUNITY BANK	COLUMBIA	SC
2857794	FIRST AMERICAN INTERNATIONAL BANK	BROOKLYN	NY
2869199	PREMIER BANK	WILMETTE	IL
2877484	ALAMERICA BANK	BIRMINGHAM	AL
2877840	FIRST INTERCONTINENTAL BANK	DORAVILLE	GA
2914905	COMMUNITY'S BANK, THE	BRIDGEPORT	CT
2942823	UNITED BANK OF EL PASO DEL NORTE	EL PASO	TX
2943389	TOMATOBANK, NATIONAL ASSOCIATION	ALHAMBRA	CA
3049729	PLUS INTERNATIONAL BANK	MIAMI	FL
3057818	APOLLO BANK	MIAMI	FL
3071083	PACIFIC INTERNATIONAL BANK	SEATTLE	WA
3076284	UNITI BANK	BUENA PARK	CA
3122828	INTERCONTINENTAL BANK	WEST MIAMI	FL
3143805	PACIFIC COMMERCE BANK	LOS ANGELES	CA
3146150	U.S. CENTURY BANK	MIAMI	FL
3212402	PACIFIC CITY BANK	LOS ANGELES	CA
3216316	AMERICAN CONTINENTAL BANK	CITY OF INDUSTRY	CA
3286999	BANK OF GROVE	GROVE	OK
3296859	ONE WORLD BANK	DALLAS	TX
3337097	COMMONWEALTH BUSINESS BANK	LOS ANGELES	CA
3346633	EAGLE BANK	POLSON	MT
3357219	OPEN BANK	LOS ANGELES	CA
3369959	INDUS AMERICAN BANK	ISELIN	NJ
3373947	ALL AMERICAN BANK	DES PLAINES	IL
3374878	FIRST CHOICE BANK	CERRITOS	CA
3386264	FIRST GENERAL BANK	ROWLAND HEIGHTS	CA
3388165	NOAH BANK	ELKINS PARK	PA
3394380	SAIGON NATIONAL BANK	WESTMINSTER	CA
3404869	UNITED INTERNATIONAL BANK	FLUSHING	NY
3426656	PACIFIC RIM BANK	HONOLULU	HI
3437456	METRO CITY BANK	DORAVILLE	GA
3447772	OHANA PACIFIC BANK	HONOLULU	HI
3447875	PLAZA BANK	SEATTLE	WA
3450950	SONORAN BANK, N.A.	PHOENIX	AZ
3459346	PREMIER BUSINESS BANK	LOS ANGELES	CA
3462074	PROMERICA BANK	LOS ANGELES	CA
3468450	CENTRAL BANK	TAMPA	FL
3470154	US METRO BANK	GARDEN GROVE	CA
3472859	NEWBANK	FLUSHING	NY
3482166	LOTUS BANK	NOVI	MI
3487947	UNIBANK	LYNNWOOD	WA
3488980	AMERICAS UNITED BANK	GLENDALE	CA
3546862	PACIFIC ALLIANCE BANK	ROSEMEAD	CA
3547896	MILLENNIUM BANK	DES PLAINES	IL
3561771	GLOBAL BANK	NEW YORK	NY
3589588	NEVADA NATIONAL BANK	LAS VEGAS	NV
3598218	EVERGREEN INTERNATIONAL BANK	LONG BEACH	CA
3604155	FIRST ASIAN BANK	LAS VEGAS	NV
3623110	AMERICAN PLUS BANK, NATIONAL ASSOCIATION	ARCADIA	CA
3626184	TURTLE MOUNTAIN STATE BANK	BELCOURT	ND
3631067	BANKASIANA	PALISADES PARK	NJ
3690635	MEGA BANK	SAN GABRIEL	CA
3744891	GLOBAL TRUST BANK	MOUNTAIN VIEW	CA
3793714	HANOVER COMMUNITY BANK	GARDEN CITY PARK	NY
3832127	NOA BANK	DULUTH	GA
3835454	ROYAL BUSINESS BANK	LOS ANGELES	CA

Data compiled from the FFIEC website on October 13, 2011.

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