Peer Data

All Minority 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	192	189	192	188	174
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME	0.68	0.69	0.68	0.74	0.78
NONINTEREST EXPENSE	3.66	3.89	3.96	4.24	4.47
PROVISION LOAN & LEASE LOSSES	1.15	0.52	0.81	0.36	0.29
REALIZED GAINS/LOSSES SEC	0.07	0.00	0.00	0.00	-0.00
NET OPERATING INCOME	-0.76	-0.23	-0.68	-0.09	-0.12
NET INCOME	-0.77	-0.22	-0.67	-0.08	-0.10
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS	93.98	94.53	94.53	94.15	94.13
NET INT INC-TE TO AVG EARNING ASSET	3.47	3.79	3.73	4.25	4.50
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN & LS	1.06	0.37	0.59	0.17	0.13
LN & LS ALLOWANCE TO TOTAL LN & LS	1.93	1.43	1.60	1.28	1.29
NON-CUR LN & LS TO GROSS LN & LS	4.03	2.20	2.70	1.24	0.87
Liquidity
NET NONCORE FUND DEPENDENCE	32.48	33.36	35.86	26.93	23.23
NET LOANS & LEASES TO ASSETS	68.53	71.17	70.54	66.64	63.51
Capitalization
TIER ONE LEVERAGE CAPITAL	10.13	11.54	11.13	12.51	12.61
TIER ONE RBC TO RISK-WEIGHT ASSETS	14.11	15.27	14.84	17.19	17.86
TOTAL RBC TO RISK-WEIGHT ASSETS	15.38	16.48	16.08	18.34	19.01
CASH DIVIDENDS TO NET INCOME	7.07	13.68	15.56	17.77	16.55
Growth Rates
ASSETS	9.68	11.49	12.57	14.01	12.10
TIER ONE CAPITAL	-0.25	2.96	1.56	4.65	10.19
NET LOANS & LEASES	6.72	23.49	21.47	23.48	16.55

Banks in Selected Peer Group
FDIC Cert. Number	Institution Name	City	State	Zip	County
422	Bank of Commerce	Stilwell	OK	74960	Adair
916	The National Republic Bank of Chicago	Chicago	IL	60607	Cook
1417	Woodlands National Bank	Hinckley	MN	55037	Pine
2320	Peoples Bank	Westville	OK	74965	Adair
2327	Bank of Cherokee County	Hulbert	OK	74441	Cherokee
3337	Texas National Bank	Mercedes	TX	78570	Hidalgo
4051	AllNations Bank	Calumet	OK	73014	Canadian
4180	First State Bank of Porter	Porter	OK	74454	Wagoner
4624	American Bank of Baxter Springs	Baxter Springs	KS	66713	Cherokee
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
11521	Bank 2	Oklahoma City	OK	73108	Oklahoma
11583	Consolidated Bank and Trust Company	Richmond	VA	23261	Richmond City
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
15611	Oklahoma State Bank	Vinita	OK	74301	Craig
16511	Tri-State Bank of Memphis	Memphis	TN	38101	Shelby
16584	The Carver State Bank	Savannah	GA	31402	Chatham
18296	Hawaii National Bank	Honolulu	HI	96812	Honolulu
18301	First State Bank	Shallowater	TX	79363	Lubbock
18503	Cathay Bank	Los Angeles	CA	90012	Los Angeles
19040	The Bank of Miami, National Association	Coral Gables	FL	33134	Miami-dade
19328	Seaway Bank and Trust Company	Chicago	IL	60619	Cook
19416	Chinatrust Bank (U.S.A.)	Torrance	CA	90505	Los Angeles
19554	High Trust Bank	Leary	GA	31762	Calhoun
19629	International Bank of Commerce	Laredo	TX	78040	Webb
19904	Centinel Bank of Taos	Taos	NM	87571	Taos
19919	Banco Bilbao Vizcaya Argentaria Puerto Rico	San Juan	PR	00918	San Juan
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
20387	Bank of the Orient	San Francisco	CA	94126	San Francisco
20448	Pan American Bank	Los Angeles	CA	90022	Los Angeles
20568	Lumbee Guaranty Bank	Pembroke	NC	28372	Robeson
20711	Executive National Bank	Miami	FL	33116	Miami-dade
20828	Banco Santander Puerto Rico	San Juan	PR	00936	San Juan
20845	Wallis State Bank	Wallis	TX	77485	Austin
20856	Liberty Bank and Trust Company	New Orleans	LA	70160	Orleans
20884	Bank of Guam	Hagatna	GU	96932	Guam
21090	Fort Gibson State Bank	Fort Gibson	OK	74434	Muskogee
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
22229	Commonwealth National Bank	Mobile	AL	36652	Mobile
22476	Covenant Bank	Chicago	IL	60624	Cook
22657	Citizens State Bank	Roma	TX	78584	Starr
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
23749	Mission National Bank	San Francisco	CA	94103	San Francisco
23772	Commerce Bank	Laredo	TX	78044	Webb
23805	United Pacific Bank	City Of Industry	CA	91748	Los Angeles
23876	Innovative Bank	Oakland	CA	94612	Alameda
23966	OneUnited Bank	Boston	MA	02110	Suffolk
24015	The Harbor Bank of Maryland	Baltimore	MD	21201	Baltimore City
24080	Borrego Springs Bank, National Association	La Mesa	CA	91941	San Diego
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
25330	United Central Bank	Garland	TX	75042	Dallas
25580	TransAtlantic Bank	Miami	FL	33131	Miami-dade
25679	International Bank of Commerce	Brownsville	TX	78522	Cameron
25738	First National Bank and Trust Company	Shawnee	OK	74802	Pottawatomie
25745	Asia Bank, National Association	New York City	NY	11354	Queens
25749	Eastbank, National Association	New York	NY	10013	New York
25869	Metropolitan Bank	Oakland	CA	94606	Alameda
26223	Golden Bank, National Association	Houston	TX	77036	Harris
26351	Unity National Bank of Houston	Houston	TX	77004	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
26727	Bank of South Texas	Mcallen	TX	78504	Hidalgo
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
27026	Native American Bank, National Association	Denver	CO	80202	Denver
27074	State Bank of Texas	Dallas	TX	75376	Dallas
27150	Eurobank	San Juan	PR	00919	San Juan
27267	Amerasia Bank	Flushing	NY	11355	Queens
27421	F & M Bank, National Association, Oklahoma City, Oklahoma	Yukon	OK	73099	Canadian
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
31762	Greater South Texas Bank	Falfurrias	TX	78355	Brooks
32185	R-G Premier Bank of Puerto Rico	Hato Rey	PR	00919	San Juan
32193	First Commerce Bank	Encino	CA	91436	Los Angeles
32277	Eastern International Bank	Los Angeles	CA	90012	Los Angeles
33013	Asian Pacific National Bank	San Gabriel	CA	91776	Los Angeles
33316	ANZ Guam Inc	Hagatna	GU	96910	Guam
33401	Metro United Bank	San Diego	CA	92111	San Diego
33435	Saehan Bank	Los Angeles	CA	90010	Los Angeles
33513	First International Bank	Plano	TX	75094	Collin
33519	First Tuskegee Bank	Tuskegee	AL	36088	Macon
33539	Preferred Bank	Los Angeles	CA	90017	Los Angeles
33568	United Bank of Philadelphia	Philadelphia	PA	19102	Philadelphia
33616	My Bank	Belen	NM	87002	Valencia
33708	International Bank of Chicago	Chicago	IL	60640	Cook
33872	Great Eastern Bank of Florida	Miami	FL	33166	Miami-dade
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
34112	Premier Bank	Denver	CO	80202	Denver
34146	People's Bank of Seneca	Seneca	MO	64865	Newton
34308	Louisville Community Development Bank	Louisville	KY	40251	Jefferson
34319	Southwestern National Bank	Houston	TX	77036	Harris
34334	American Metro Bank	Chicago	IL	60640	Cook
34496	First Commercial Bank (USA)	Alhambra	CA	91801	Los Angeles
34548	Neighborhood National Bank	San Diego	CA	92113	San Diego
34643	Sunstate Bank	Miami	FL	33176	Miami-dade
34656	American First National Bank	Houston	TX	77036	Harris
34658	Citizens Bank and Trust Company of Chicago	Chicago	IL	60646	Cook
34692	Canyon National Bank	Palm Springs	CA	92264	Riverside
34759	Asian Bank	Philadelphia	PA	19105	Philadelphia
34818	Legacy Bank	Milwaukee	WI	53206	Milwaukee
34967	Banco Popular North America	New York	NY	10271	New York
34968	Banco Popular de Puerto Rico	San Juan	PR	00936	San Juan
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
35241	South Carolina Community Bank	Columbia	SC	29202	Richland
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
57041	The Community's Bank	Bridgeport	CT	06604	Fairfield
57065	Pacific Commerce Bank	Los Angeles	CA	90013	Los Angeles
57083	Plus International Bank	Miami	FL	33131	Miami-dade
57119	United Bank of El Paso del Norte	El Paso	TX	79912	El Paso
57120	UNITI BANK	Buena Park	CA	90621	Orange
57147	Premier American Bank	Miami	FL	33155	Miami-dade
57198	American Premier Bank	Arcadia	CA	91006	Los Angeles
57214	Intercontinental Bank	West Miami	FL	33144	Miami-dade
57246	Pacific International Bank	Seattle	WA	98133	King
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
57759	All American Bank	Des Plaines	IL	60016	Cook
57871	MoreBank	Philadelphia	PA	19126	Philadelphia
57873	Commonwealth Business Bank	Los Angeles	CA	90036	Los Angeles
57885	First Vietnamese American Bank	Westminster	CA	92683	Orange
57901	One World Bank	Dallas	TX	75229	Dallas
57915	Bank of Grove	Grove	OK	74344	Delaware
57944	First Standard Bank	Los Angeles	CA	90017	Los Angeles
57966	First Choice Bank	Cerritos	CA	90703	Los Angeles
57974	Saigon National Bank	Westminster	CA	92683	Orange
57983	Indus American Bank	Iselin	NJ	08830	Middlesex
57987	United International Bank	Flushing	NY	11355	Queens
58060	First General Bank	Rowland Heights	CA	91748	Los Angeles
58082	Libertad Bank SSB	Austin	TX	78704	Travis
58137	Pacific Rim Bank	Honolulu	HI	96813	Honolulu
58181	Metro City Bank	Doraville	GA	30340	Dekalb
58203	NewBank	Flushing	NY	11354	Queens
58231	Ohana Pacific Bank	Honolulu	HI	96814	Honolulu
58234	Pacific Alliance Bank	Rosemead	CA	91770	Los Angeles
58252	Sonoran Bank, N.A.	Phoenix	AZ	85014	Maricopa
58261	Premier Business Bank	Los Angeles	CA	90017	Los Angeles
58263	Global Bank	New York	NY	10002	New York
58282	Eagle Bank	Polson	MT	59860	Lake
58305	Plaza Bank	Seattle	WA	98101	King
58308	Haven Trust Bank Florida	Ponte Vedra Beach	FL	32004	St. Johns
58310	US Metro Bank	Garden Grove	CA	92844	Orange
58340	Lotus Bank	Novi	MI	48377	Oakland
58348	Millennium Bank	Des Plaines	IL	60016	Cook
58349	PROMERICA Bank	Los Angeles	CA	90017	Los Angeles
58360	Americas United Bank	Glendale	CA	91203	Los Angeles
58377	Central Bank	Tampa	FL	33647	Hillsborough
58390	Santa Ana Business Bank	Santa Ana	CA	92701	Orange
58391	Golden Coast Bank	Long Beach	CA	90813	Los Angeles
58401	Mega Bank	San Gabriel	CA	91776	Los Angeles
58407	UniBank	Lynnwood	WA	98037	Snohomish
58418	Nevada National Bank	Las Vegas	NV	89146	Clark
58469	American Plus Bank, N.A.	Arcadia	CA	91007	Los Angeles
58499	First Asian Bank	Las Vegas	NV	89146	Clark
58525	BankAsiana	Palisades Park	NJ	07650	Bergen
58550	Nuestro Banco	Raleigh	NC	27603	Wake
58584	American Pride Bank	Macon	GA	31210	Bibb
58586	Turtle Mountain State Bank	Belcourt	ND	58316	Rolette
58657	NOA Bank	Duluth	GA	30096	Gwinnett
58808	Global Trust Bank	Mountain View	CA	94040	Santa Clara
58816	Royal Business Bank	Los Angeles	CA	90017	Los Angeles

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