Peer Data

African-American Banks (as of September 30, 2008)
	09/30/2008	09/30/2007	12/31/2007	12/31/2006	12/31/2005
Peer Group Information
NUMBER OF BANKS IN PEER GROUP	33	33	33	33	33
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME	1.32	1.26	1.25	1.24	1.35
NONINTEREST EXPENSE	4.64	4.43	4.55	4.52	4.70
PROVISION LOAN & LEASE LOSSES	0.33	0.14	0.24	0.30	0.37
REALIZED GAINS/LOSSES SEC	-0.09	-0.00	-0.01	0.00	-0.01
NET OPERATING INCOME	-0.11	0.38	0.17	0.32	0.38
NET INCOME	-0.08	0.38	0.17	0.32	0.38
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS	92.89	93.71	93.63	93.82	93.21
NET INT INC-TE TO AVG EARNING ASSET	4.06	4.23	4.16	4.41	4.59
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN & LS	0.65	0.19	0.20	0.62	0.32
LN & LS ALLOWANCE TO TOTAL LN & LS	1.61	1.56	1.74	1.54	1.80
NON-CUR LN & LS TO GROSS LN & LS	4.27	3.32	3.75	2.60	2.33
Liquidity
NET NONCORE FUND DEPENDENCE	26.87	21.20	24.47	23.42	19.73
NET LOANS & LEASES TO ASSETS	65.44	62.18	62.96	62.78	61.49
Capitalization
TIER ONE LEVERAGE CAPITAL	9.15	9.09	9.03	9.25	9.40
TIER ONE RBC TO RISK-WEIGHT ASSETS	13.26	13.56	13.46	13.98	14.64
TOTAL RBC TO RISK-WEIGHT ASSETS	14.59	14.89	14.80	15.14	15.81
CASH DIVIDENDS TO NET INCOME	33.84	35.09	29.37	27.70	18.57
Growth Rates
ASSETS	3.28	4.57	2.59	6.36	9.11
TIER ONE CAPITAL	1.88	2.92	2.10	7.55	14.16
NET LOANS & LEASES	8.85	5.78	5.22	7.89	8.28

Banks in Selected Peer Group
Bank Name	RSSD	CERT	Assets
ONEUNITED BANK	935308	23966	625,311
CITY NB OF NEW JERSEY	567905	21111	471,099
FIRST COMMERCIAL BANK USA	2332910	34496	437,511
LIBERTY BANK & TRUST CO	283438	20856	366,502
INDUSTRIAL BANK	536527	14679	365,302
SEAWAY BANK & TRUST CO	673431	19328	344,539
CITIZENS TRUST BANK	680130	8033	335,107
CAPITOL CITY BANK & TRUST CO	2243977	33938	295,507
HARBOR BANK OF MARYLAND	533124	24015	279,986
MECHANICS & FARMERS BANK	332224	12266	273,876
LEGACY BANK	2727990	34818	214,828
FIRST INDEPENDENCE BANK	254849	20179	203,926
TRI-STATE BANK OF MEMPHIS	515054	16511	122,569
HIGHLAND COMMUNITY BANK	76135	20290	111,438
ALAMERICA BANK	2877484	35314	106,216
DETROIT COMMERCE BANK	2716613	34919	102,736
BANK OF ST CROIX INC	2281371	33990	100,327
EUROBANK	110936	26725	98,832
CONSOLIDATED BANK&TRUST CO	517423	11583	91,983
NORTH MILWAUKEE STATE BANK	759540	20364	87,146
FIRST TUSKEGEE BANK	1897168	33519	82,815
SOUTH CAROLINA CMTY BANK	2794732	35241	81,182
CITIZENS SAVINGS B & T CO	55635	10319	71,196
UNITED BANK OF PHILADELPHIA	1945247	33568	71,104
COMMONWEALTH NATIONAL BANK	578237	22229	70,890
UNITY NB OF HOUSTON	853251	26351	57,118
CARVER STATE BANK	370833	16584	40,750
GATEWAY BANK OF ST LOUIS	182157	19450	35,476
COVENANT BANK	533937	22476	33,811
LOUISVILLE CMTY DEVELOPMENT	2496081	34308	32,816
FIRST STATE BANK	722227	9502	27,819
UNITED BANK & TRUST CO	1478307	33144	25,378
AMERICAN STATE BANK	449850	20292	10,870
TOTAL ASSETS	-	-	5,675,966