Peer Data

African-American Banks (As of September 30, 2009)
	09/30/2009	09/30/2008	12/31/2008	12/31/2007	12/31/2006
Peer Group Information
NUMBER OF BANKS IN PEER GROUP	29	29	29	29	29
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME	1.06	1.30	1.25	1.23	1.20
NONINTEREST EXPENSE	4.34	4.48	4.62	4.42	4.50
PROVISION LOAN & LEASE LOSSES	0.68	0.30	0.60	0.19	0.28
REALIZED GAINS/LOSSES SEC	0.09	-0.10	-0.02	-0.01	0.00
NET OPERATING INCOME	-0.21	0.05	-0.23	0.35	0.31
NET INCOME	-0.21	0.09	-0.21	0.35	0.31
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS	92.77	92.99	93.03	93.75	93.82
NET INT INC-TE TO AVG EARNING ASSET	3.94	4.06	4.03	4.21	4.41
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN & LS	0.90	0.54	0.76	0.15	0.51
LN & LS ALLOWANCE TO TOTAL LN & LS	1.90	1.57	1.70	1.70	1.53
NON-CUR LN & LS TO GROSS LN & LS	5.32	4.02	4.89	3.42	2.53
Liquidity
NET NONCORE FUND DEPENDENCE	30.87	26.95	31.96	24.47	22.50
NET LOANS & LEASES TO ASSETS	63.04	64.23	64.70	61.35	62.36
Capitalization
TIER ONE LEVERAGE CAPITAL	9.07	9.32	8.88	9.15	9.29
TIER ONE RBC TO RISK-WEIGHT ASSETS	13.83	13.63	13.21	13.83	14.07
TOTAL RBC TO RISK-WEIGHT ASSETS	15.09	14.84	14.43	15.06	15.23
CASH DIVIDENDS TO NET INCOME	5.84	38.57	11.54	29.19	30.67
Growth Rates
ASSETS	2.55	4.24	6.10	3.29	6.85
TIER ONE CAPITAL	4.41	3.91	3.27	3.82	5.77
NET LOANS & LEASES	-0.96	10.34	9.20	5.01	9.00

Banks in Selected Peer Group
FDIC Cert. Number	Institution Name	City	State	Zip	County
8033	Citizens Trust Bank	Atlanta	GA	30302	Fulton
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
12266	Mechanics & Farmers Bank	Durham	NC	27702	Durham
14679	Industrial Bank	Oxon Hill	MD	20745	District Of Columbia
16511	Tri-State Bank of Memphis	Memphis	TN	38101	Shelby
16584	The Carver State Bank	Savannah	GA	31402	Chatham
19328	Seaway Bank and Trust Company	Chicago	IL	60619	Cook
20179	First Independence Bank	Detroit	MI	48226	Wayne
20290	Highland Community Bank	Chicago	IL	60620	Cook
20292	American State Bank	Tulsa	OK	74106	Tulsa
20364	North Milwaukee State Bank	Milwaukee	WI	53216	Milwaukee
20856	Liberty Bank and Trust Company	New Orleans	LA	70160	Orleans
21111	City National Bank of New Jersey	Newark	NJ	07102	Essex
22229	Commonwealth National Bank	Mobile	AL	36652	Mobile
22476	Covenant Bank	Chicago	IL	60624	Cook
23966	OneUnited Bank	Boston	MA	02110	Suffolk
24015	The Harbor Bank of Maryland	Baltimore	MD	21201	Baltimore City
26351	Unity National Bank of Houston	Houston	TX	77004	Harris
33519	First Tuskegee Bank	Tuskegee	AL	36088	Macon
33568	United Bank of Philadelphia	Philadelphia	PA	19102	Philadelphia
33938	Capitol City Bank & Trust Company	Atlanta	GA	30310	Fulton
33990	Bank of St. Croix, Inc.	Christiansted	VI	00820	St. Croix
34308	Louisville Community Development Bank	Louisville	KY	40251	Jefferson
34496	First Commercial Bank (USA)	Alhambra	CA	91801	Los Angeles
34818	Legacy Bank	Milwaukee	WI	53206	Milwaukee
35241	South Carolina Community Bank	Columbia	SC	29202	Richland
35314	Alamerica Bank	Birmingham	AL	35205	Jefferson

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