Peer Data

African-American Banks: Under $100M (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	17	17	17	17	17
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME	0.94	1.23	1.82	1.62	1.57
NONINTEREST EXPENSE	5.71	5.39	5.97	5.61	5.67
PROVISION LOAN & LEASE LOSSES	0.36	0.06	0.56	0.47	0.56
REALIZED GAINS/LOSSES SEC	0.05	0.02	0.01	0.00	0.00
NET OPERATING INCOME	-1.42	-0.54	-1.00	-0.48	-0.57
NET INCOME	-1.42	-0.54	-1.00	-0.48	-0.57
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS	91.03	90.83	90.79	92.07	92.62
NET INT INC-TE TO AVG EARNING ASSET	4.01	4.12	4.12	4.33	4.62
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN & LS	0.41	1.29	1.27	0.39	1.18
LN & LS ALLOWANCE TO TOTAL LN & LS	1.84	1.99	1.76	2.18	1.78
NON-CUR LN & LS TO GROSS LN & LS	5.59	4.61	5.18	5.16	3.89
Liquidity
NET NONCORE FUND DEPENDENCE	29.67	17.51	28.99	19.43	18.60
NET LOANS & LEASES TO ASSETS	65.02	62.05	65.43	62.54	63.76
Capitalization
TIER ONE LEVERAGE CAPITAL	8.51	9.91	8.91	9.50	9.74
TIER ONE RBC TO RISK-WEIGHT ASSETS	13.57	15.39	13.76	14.58	14.83
TOTAL RBC TO RISK-WEIGHT ASSETS	14.97	16.74	15.10	15.99	16.03
CASH DIVIDENDS TO NET INCOME	38.76	42.45	97.92	7.60	23.29
Growth Rates
ASSETS	4.05	5.17	6.70	2.41	3.32
TIER ONE CAPITAL	-5.97	6.42	1.47	3.55	1.85
NET LOANS & LEASES	14.86	1.50	12.79	0.68	5.83

Banks in Selected Peer Group
FDIC Cert. Number	Institution Name	City	State	Zip	County
9502	First State Bank	Danville	VA	24541	Danville City
10319	Citizens Savings Bank and Trust Company	Nashville	TN	37208	Davidson
11583	Consolidated Bank and Trust Company	Richmond	VA	23261	Richmond City
16584	The Carver State Bank	Savannah	GA	31402	Chatham
19450	Gateway Bank of St. Louis	Saint Louis	MO	63115	Saint Louis (city)
20292	American State Bank	Tulsa	OK	74106	Tulsa
20364	North Milwaukee State Bank	Milwaukee	WI	53216	Milwaukee
22229	Commonwealth National Bank	Mobile	AL	36652	Mobile
22476	Covenant Bank	Chicago	IL	60624	Cook
26351	Unity National Bank of Houston	Houston	TX	77004	Harris
26725	EuroBank	Coral Gables	FL	33134	Miami-dade
33144	United Bank and Trust Company	New Orleans	LA	70119	Orleans
33519	First Tuskegee Bank	Tuskegee	AL	36088	Macon
33568	United Bank of Philadelphia	Philadelphia	PA	19102	Philadelphia
34308	Louisville Community Development Bank	Louisville	KY	40251	Jefferson
35241	South Carolina Community Bank	Columbia	SC	29202	Richland
35314	Alamerica Bank	Birmingham	AL	35205	Jefferson