Peer Data

All Minority Banks: $100M & Over (Year-End 2008)
	12/31/2008	12/31/2007	12/31/2006	12/31/2005	12/31/2004
Peer Group Information
NUMBER OF BANKS IN PEER GROUP	124	124	124	117	113
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME	0.71	0.74	0.75	0.86	0.95
NONINTEREST EXPENSE	3.16	3.24	3.40	3.38	3.32
PROVISION LOAN & LEASE LOSSES	0.84	0.36	0.26	0.23	0.22
REALIZED GAINS/LOSSES SEC	-0.00	-0.00	-0.00	-0.00	0.02
NET OPERATING INCOME	0.01	0.65	0.78	1.02	1.06
NET INCOME	0.02	0.65	0.80	1.02	1.06
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS	95.09	94.86	94.71	94.37	93.94
NET INT INC-TE TO AVG EARNING ASSET	3.65	4.10	4.37	4.36	4.21
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN & LS	0.65	0.23	0.15	0.15	0.16
LN & LS ALLOWANCE TO TOTAL LN & LS	1.61	1.28	1.27	1.30	1.35
NON-CUR LN & LS TO GROSS LN & LS	3.22	1.39	0.80	0.75	0.77
Liquidity
NET NONCORE FUND DEPENDENCE	41.70	35.57	29.56	28.22	25.24
NET LOANS & LEASES TO ASSETS	72.95	70.36	65.28	64.87	64.38
Capitalization
TIER ONE LEVERAGE CAPITAL	9.59	10.09	10.51	10.06	9.40
TIER ONE RBC TO RISK-WEIGHT ASSETS	12.55	13.28	14.57	14.22	13.68
TOTAL RBC TO RISK-WEIGHT ASSETS	13.88	14.53	15.72	15.39	14.84
CASH DIVIDENDS TO NET INCOME	18.06	24.37	16.80	16.17	20.10
Growth Rates
ASSETS	9.21	13.53	14.04	14.94	19.30
TIER ONE CAPITAL	4.77	7.42	13.08	16.66	14.70
NET LOANS & LEASES	12.38	22.11	17.11	15.92	21.35

Banks in Selected Peer Group
FDIC Cert. Number	Institution Name	City	State	Zip	County
916	The National Republic Bank of Chicago	Chicago	IL	60607	Cook
1417	Woodlands National Bank	Hinckley	MN	55037	Pine
4624	American Bank of Baxter Springs	Baxter Springs	KS	66713	Cherokee
8033	Citizens Trust Bank	Atlanta	GA	30302	Fulton
12266	Mechanics & Farmers Bank	Durham	NC	27702	Durham
12761	Farmers & Merchants Bank	Crescent	OK	73028	Logan
14679	Industrial Bank	Oxon Hill	MD	20745	District Of Columbia
16511	Tri-State Bank of Memphis	Memphis	TN	38101	Shelby
18255	BBVA Bancomer USA	Moreno Valley	CA	92556	Los Angeles
18296	Hawaii National Bank	Honolulu	HI	96812	Honolulu
18503	Cathay Bank	Los Angeles	CA	90012	Los Angeles
18659	Mutual Bank	Harvey	IL	60426	Cook
19040	The Bank of Miami, National Association	Coral Gables	FL	33134	Miami-dade
19328	Seaway Bank and Trust Company	Chicago	IL	60619	Cook
19554	High Trust Bank	Leary	GA	31762	Calhoun
19629	International Bank of Commerce	Laredo	TX	78040	Webb
19919	Banco Bilbao Vizcaya Argentaria Puerto Rico	San Juan	PR	00918	San Juan
19904	Centinel Bank of Taos	Taos	NM	87571	Taos
20179	First Independence Bank	Detroit	MI	48226	Wayne
20290	Highland Community Bank	Chicago	IL	60620	Cook
20387	Bank of the Orient	San Francisco	CA	94126	San Francisco
20568	Lumbee Guaranty Bank	Pembroke	NC	28372	Robeson
20711	Executive National Bank	Miami	FL	33116	Miami-dade
20845	Wallis State Bank	Wallis	TX	77485	Austin
20828	Banco Santander Puerto Rico	San Juan	PR	00936	San Juan
20884	Bank of Guam	Hagatna	GU	96932	Guam
20856	Liberty Bank and Trust Company	New Orleans	LA	70160	Orleans
21111	City National Bank of New Jersey	Newark	NJ	07102	Essex
21220	Espirito Santo Bank	Miami	FL	33131	Miami-dade
21265	BAC Florida Bank	Coral Gables	FL	33134	Miami-dade
21578	Continental National Bank of Miami	Miami	FL	33135	Miami-dade
22946	Scotiabank de Puerto Rico	San Juan	PR	00936	San Juan
23086	OMNI Bank, National Association	Alhambra	CA	91801	Los Angeles
23373	United Orient Bank	New York	NY	10038	New York
23772	Commerce Bank	Laredo	TX	78044	Webb
23749	Mission National Bank	San Francisco	CA	94103	San Francisco
23805	United Pacific Bank	City Of Industry	CA	91748	Los Angeles
23966	OneUnited Bank	Boston	MA	02110	Suffolk
23876	Innovative Bank	Oakland	CA	94612	Alameda
24080	Borrego Springs Bank, National Association	La Mesa	CA	91941	San Diego
24015	The Harbor Bank of Maryland	Baltimore	MD	21201	Baltimore City
24156	Ocean Bank	Miami	FL	33144	Miami-dade
24347	Lone Star National Bank	Pharr	TX	78577	Hidalgo
24823	International Finance Bank	Miami	FL	33144	Miami-dade
24961	International Bank of Commerce	Zapata	TX	78076	Zapata
25158	Finance Factors, Ltd.	Honolulu	HI	96813	Honolulu
25580	TransAtlantic Bank	Miami	FL	33131	Miami-dade
25330	United Central Bank	Garland	TX	75042	Dallas
25679	International Bank of Commerce	Brownsville	TX	78522	Cameron
25749	Eastbank, National Association	New York	NY	10013	New York
25745	Asia Bank, National Association	New York City	NY	11354	Queens
25738	First National Bank and Trust Company	Shawnee	OK	74802	Pottawatomie
25869	Metropolitan Bank	Oakland	CA	94606	Alameda
26223	Golden Bank, National Association	Houston	TX	77036	Harris
26363	Community Commerce Bank	Claremont	CA	91711	Los Angeles
26610	Center Bank	Los Angeles	CA	90010	Los Angeles
26725	EuroBank	Coral Gables	FL	33134	Miami-dade
26790	BNB Bank, National Association	Fort Lee	NJ	07024	Bergen
26856	Falcon International Bank	Laredo	TX	78041	Webb
26937	MetroBank, National Association	Houston	TX	77201	Harris
27074	State Bank of Texas	Dallas	TX	75376	Dallas
27150	Eurobank	San Juan	PR	00919	San Juan
27267	Amerasia Bank	Flushing	NY	11355	Queens
27447	The Foster Bank	Chicago	IL	60625	Cook
30387	Firstbank of Puerto Rico	Santurce	PR	00908	San Juan
31027	Westernbank Puerto Rico	Mayaguez	PR	00680	Mayaguez
31469	Oriental Bank and Trust	San Juan	PR	00919	San Juan
31628	East West Bank	Pasadena	CA	91101	Los Angeles
32102	Doral Bank	Catano	PR	00963	San Juan
32193	First Commerce Bank	Encino	CA	91436	Los Angeles
32185	R-G Premier Bank of Puerto Rico	Hato Rey	PR	00919	San Juan
33401	Metro United Bank	San Diego	CA	92111	San Diego
33316	Citizens Security Bank (Guam), Inc.	Hagatna	GU	96910	Guam
33435	Saehan Bank	Los Angeles	CA	90010	Los Angeles
33513	First International Bank	Plano	TX	75094	Collin
33539	Preferred Bank	Los Angeles	CA	90017	Los Angeles
33616	My Bank	Belen	NM	87002	Valencia
33708	International Bank of Chicago	Chicago	IL	60640	Cook
33938	Capitol City Bank & Trust Company	Atlanta	GA	30310	Fulton
33990	Bank of St. Croix, Inc.	Christiansted	VI	00820	St. Croix
34010	EverTrust Bank	City Of Industry	CA	91748	Los Angeles
34046	Global Commerce Bank	Doraville	GA	30340	Dekalb
34052	Bay Bank	Green Bay	WI	54313	Brown
34089	Pacific Global Bank	Chicago	IL	60616	Cook
34110	Quantum National Bank	Suwanee	GA	30024	Gwinnett
34270	First BankAmericano	Elizabeth	NJ	07208	Union
34319	Southwestern National Bank	Houston	TX	77036	Harris
34496	First Commercial Bank (USA)	Alhambra	CA	91801	Los Angeles
34548	Neighborhood National Bank	San Diego	CA	92113	San Diego
34656	American First National Bank	Houston	TX	77036	Harris
34643	Sunstate Bank	Miami	FL	33176	Miami-dade
34692	Canyon National Bank	Palm Springs	CA	92264	Riverside
34818	Legacy Bank	Milwaukee	WI	53206	Milwaukee
34919	Detroit Commerce Bank	Detroit	MI	48226	Wayne
34968	Banco Popular de Puerto Rico	San Juan	PR	00936	San Juan
34967	Banco Popular North America	New York	NY	10271	New York
34998	First Intercontinental Bank	Doraville	GA	30340	Dekalb
35065	United Americas Bank, National Association	Atlanta	GA	30342	Fulton
35186	First American International Bank	Brooklyn	NY	11220	Kings
35314	Alamerica Bank	Birmingham	AL	35205	Jefferson
35419	Premier Bank	Wilmette	IL	60091	Cook
35474	TomatoBank, National Association	City Of Industry	CA	91748	Los Angeles
35599	UNION CREDIT BANK	Miami	FL	33155	Miami-dade
57120	UNITI BANK	Buena Park	CA	90621	Orange
57119	United Bank of El Paso del Norte	El Paso	TX	79912	El Paso
57147	Premier American Bank	Miami	FL	33155	Miami-dade
57214	Intercontinental Bank	West Miami	FL	33144	Miami-dade
57246	Pacific International Bank	Seattle	WA	98133	King
57332	Mirae Bank	Los Angeles	CA	90010	Los Angeles
57369	U. S. Century Bank	Doral	FL	33172	Miami-dade
57444	American Continental Bank	City Of Industry	CA	91748	Los Angeles
57463	Pacific City Bank	Los Angeles	CA	90010	Los Angeles
57794	American United Bank	Lawrenceville	GA	30044	Gwinnett
57873	Commonwealth Business Bank	Los Angeles	CA	90036	Los Angeles
57944	First Standard Bank	Los Angeles	CA	90017	Los Angeles
57983	Indus American Bank	Iselin	NJ	08830	Middlesex
58060	First General Bank	Rowland Heights	CA	91748	Los Angeles
58137	Pacific Rim Bank	Honolulu	HI	96813	Honolulu
58181	Metro City Bank	Doraville	GA	30340	Dekalb
58243	John Marshall Bank	Baileys Crossroads	VA	22041	Fairfax
58310	US Metro Bank	Garden Grove	CA	92844	Orange
58308	Haven Trust Bank Florida	Ponte Vedra Beach	FL	32004	St. Johns
58360	Americas United Bank	Glendale	CA	91203	Los Angeles
58407	UniBank	Lynnwood	WA	98037	Snohomish

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