Peer Data

All Minority Banks (Year-End 2009)
	12/31/2009	12/31/2008	12/31/2007	12/31/2006	12/31/2005
Peer Group Information
Number of Banks in Peer Group	189	189	185	173	156
Earnings and Profitability: Percent of Average Assets
Noninterest Income	0.72	0.68	0.74	0.79	0.90
Noninterest Expense	3.67	3.93	4.16	4.48	3.88
Provision: Loan & Lease Losses	1.50	0.79	0.36	0.29	0.23
Realized Gains/Losses Sec	0.07	0.00	0.00	0.00	0.00
Net Operating Income	-1.04	-0.64	0.00	-0.13	0.74
Net Income	-1.06	-0.63	0.01	-0.11	0.74
Margin Analysis
Avg Earning Assets to Avg Assets	94.05	94.57	94.20	94.11	93.78
Net Int Inc-TE to Avg Earning Assets	3.54	3.73	4.23	4.50	4.46
Loan & Lease Analysis
Net Loss to Average Total LN & LS	1.37	0.57	0.18	0.14	0.18
LN & LS Allowance to Total LN & LS	2.18	1.58	1.29	1.29	1.35
Noncurrent Loans to Total Loans	4.50	2.68	1.25	0.88	0.95
Liquidity
Net Noncore Fund Dependence	32.16	36.15	27.92	23.50	23.81
Net Loans & Leases to Assets	68.36	70.75	67.00	63.44	63.32
Capitalization
Tier One Leverage Capital	9.59	10.96	12.18	12.63	10.56
Tier One RBC to Risk-Weight Assets	13.57	14.60	16.75	17.86	15.78
Total RBC to Risk-Weight Assets	14.86	15.83	17.88	19.06	16.93
Cash Dividends to Net Income	5.93	15.96	17.60	16.67	17.08
Growth Rates
Total Assets	7.41	12.58	15.64	13.35	12.10
Tier One Capital	-2.40	1.79	5.03	11.75	14.50
Net Loans & Leases	3.88	20.40	26.95	18.45	12.77

Banks in Selected Peer Group
FDIC Cert. Number	Institution Name	City	State
26727	BANK OF SOUTH TEXAS	MCALLEN	TX
10319	CITIZENS SAVINGS BANK AND TRUST COMPANY	NASHVILLE	TN
11521	BANK2	OKLAHOMA CITY	OK
23373	UNITED ORIENT BANK	NEW YORK	NY
20290	HIGHLAND COMMUNITY BANK	CHICAGO	IL
25749	EASTBANK, NATIONAL ASSOCIATION	NEW YORK	NY
23876	INNOVATIVE BANK	OAKLAND	CA
26725	EUROBANK	BOCA RATON	FL
4051	ALLNATIONS BANK	CALUMET	OK
12761	FARMERS & MERCHANTS BANK	CRESCENT	OK
19919	BANCO BILBAO VIZCAYA ARGENTARIA PUERTO RICO	SAN JUAN	PR
21090	FORT GIBSON STATE BANK	FORT GIBSON	OK
26937	METROBANK, NATIONAL ASSOCIATION	HOUSTON	TX
31628	EAST WEST BANK	PASADENA	CA
32277	EASTERN INTERNATIONAL BANK	LOS ANGELES	CA
916	NATIONAL REPUBLIC BANK OF CHICAGO, THE	CHICAGO	IL
25679	INTERNATIONAL BANK OF COMMERCE	BROWNSVILLE	TX
31469	ORIENTAL BANK AND TRUST	SAN JUAN	PR
20179	FIRST INDEPENDENCE BANK	DETROIT	MI
25330	UNITED CENTRAL BANK	GARLAND	TX
20856	LIBERTY BANK AND TRUST COMPANY	NEW ORLEANS	LA
20845	WALLIS STATE BANK, THE	WALLIS	TX
15611	OKLAHOMA STATE BANK	VINITA	OK
26363	COMMUNITY COMMERCE BANK	CLAREMONT	CA
23086	OMNI BANK, NATIONAL ASSOCIATION	ALHAMBRA	CA
422	BANK OF COMMERCE	STILWELL	OK
12266	MECHANICS & FARMERS BANK	DURHAM	NC
16584	CARVER STATE BANK	SAVANNAH	GA
24961	INTERNATIONAL BANK OF COMMERCE	ZAPATA	TX
25738	FIRST NATIONAL BANK AND TRUST COMPANY	SHAWNEE	OK
20292	AMERICAN STATE BANK	TULSA	OK
3337	TEXAS NATIONAL BANK	MERCEDES	TX
30387	FIRSTBANK PUERTO RICO	SAN JUAN	PR
16511	TRI-STATE BANK OF MEMPHIS	MEMPHIS	TN
11583	CONSOLIDATED BANK AND TRUST COMPANY	RICHMOND	VA
31762	GREATER SOUTH TEXAS BANK	FALFURRIAS	TX
23749	MISSION NATIONAL BANK	SAN FRANCISCO	CA
4180	FIRST STATE BANK OF PORTER	PORTER	OK
18301	FIRST STATE BANK	SHALLOWATER	TX
24015	HARBOR BANK OF MARYLAND, THE	BALTIMORE	MD
22476	COVENANT BANK	CHICAGO	IL
25869	METROPOLITAN BANK	OAKLAND	CA
26223	GOLDEN BANK, NATIONAL ASSOCIATION	HOUSTON	TX
14679	INDUSTRIAL BANK	WASHINGTON	DC
2320	PEOPLES BANK	WESTVILLE	OK
32185	R-G PREMIER BANK OF PUERTO RICO	SAN JUAN	PR
26856	FALCON INTERNATIONAL BANK	LAREDO	TX
21111	CITY NATIONAL BANK OF NEW JERSEY	NEWARK	NJ
22229	COMMONWEALTH NATIONAL BANK	MOBILE	AL
18503	CATHAY BANK	LOS ANGELES	CA
23805	UNITED PACIFIC BANK	CITY OF INDUSTRY	CA
26790	BNB BANK, NATIONAL ASSOCIATION	FORT LEE	NJ
32193	FIRST COMMERCE BANK	ENCINO	CA
23772	COMMERCE BANK	LAREDO	TX
20448	PAN AMERICAN BANK	LOS ANGELES	CA
20568	LUMBEE GUARANTY BANK	PEMBROKE	NC
24156	OCEAN BANK	MIAMI	FL
27026	NATIVE AMERICAN BANK, NATIONAL ASSOCIATION	DENVER	CO
19040	BANK OF MIAMI, NATIONAL ASSOCIATION, THE	CORAL GABLES	FL
26610	CENTER BANK	LOS ANGELES	CA
19328	SEAWAY BANK AND TRUST COMPANY	CHICAGO	IL
8033	CITIZENS TRUST BANK	ATLANTA	GA
20884	BANK OF GUAM	HAGATNA	GU
22946	SCOTIABANK DE PUERTO RICO	HATO REY	PR
9502	FIRST STATE BANK	DANVILLE	VA
21265	BAC FLORIDA BANK	CORAL GABLES	FL
21220	ESPIRITO SANTO BANK	MIAMI	FL
31027	WESTERNBANK PUERTO RICO	MAYAGUEZ	PR
20364	NORTH MILWAUKEE STATE BANK	MILWAUKEE	WI
19554	HIGH TRUST BANK	STOCKBRIDGE	GA
20387	BANK OF THE ORIENT	SAN FRANCISCO	CA
19904	CENTINEL BANK OF TAOS	TAOS	NM
22657	CITIZENS STATE BANK	ROMA	TX
25745	ASIA BANK, N.A.	FLUSHING	NY
2327	BANK OF CHEROKEE COUNTY	HULBERT	OK
20828	BANCO SANTANDER PUERTO RICO	SAN JUAN	PR
25158	FINANCE FACTORS, LIMITED	HONOLULU	HI
21578	CONTINENTAL NATIONAL BANK OF MIAMI	MIAMI	FL
24347	LONE STAR NATIONAL BANK	PHARR	TX
26351	UNITY NATIONAL BANK OF HOUSTON	HOUSTON	TX
24823	INTERNATIONAL FINANCE BANK	MIAMI	FL
18296	HAWAII NATIONAL BANK	HONOLULU	HI
23966	ONEUNITED BANK	BOSTON	MA
34968	BANCO POPULAR DE PUERTO RICO	SAN JUAN	PR
24080	BORREGO SPRINGS BANK, NATIONAL ASSOCIATION	LA MESA	CA
25580	TRANSATLANTIC BANK	MIAMI	FL
1417	WOODLANDS NATIONAL BANK	HINCKLEY	MN
19416	CHINATRUST BANK (U.S.A.)	TORRANCE	CA
19629	INTERNATIONAL BANK OF COMMERCE	LAREDO	TX
20711	EXECUTIVE NATIONAL BANK	MIAMI	FL
4624	AMERICAN BANK OF BAXTER SPRINGS	BAXTER SPRINGS	KS
27074	STATE BANK OF TEXAS	DALLAS	TX
27150	EUROBANK	SAN JUAN	PR
27267	AMERASIA BANK	FLUSHING	NY
27421	F & M BANK, NATIONAL ASSOCIATION, OKLAHOMA CITY, OKLAHOMA	YUKON	OK
27447	FOSTER BANK, THE	CHICAGO	IL
33013	ASIAN PACIFIC NATIONAL BANK	SAN GABRIEL	CA
33316	ANZ GUAM, INC.	HAGATNA	GU
33401	METRO UNITED BANK	SAN DIEGO	CA
33435	SAEHAN BANK	LOS ANGELES	CA
33519	FIRST TUSKEGEE BANK	TUSKEGEE	AL
33513	FIRST INTERNATIONAL BANK	PLANO	TX
33539	PREFERRED BANK	LOS ANGELES	CA
33568	UNITED BANK OF PHILADELPHIA	PHILADELPHIA	PA
33616	MY BANK	BELEN	NM
33708	INTERNATIONAL BANK OF CHICAGO	CHICAGO	IL
33872	GREAT EASTERN BANK OF FLORIDA	MIAMI	FL
33938	CAPITOL CITY BANK & TRUST COMPANY	ATLANTA	GA
33990	BANK OF ST. CROIX	CHRISTIANSTED	VI
34010	EVERTRUST BANK	CITY OF INDUSTRY	CA
34046	GLOBAL COMMERCE BANK	DORAVILLE	GA
34052	BAY BANK	GREEN BAY	WI
34496	FIRST COMMERCIAL BANK (U.S.A)	ALHAMBRA	CA
34548	NEIGHBORHOOD NATIONAL BANK	SAN DIEGO	CA
34110	QUANTUM NATIONAL BANK	SUWANEE	GA
34089	PACIFIC GLOBAL BANK	CHICAGO	IL
34112	PREMIER BANK	DENVER	CO
34146	PEOPLE'S BANK OF SENECA	SENECA	MO
34308	LOUISVILLE COMMUNITY DEVELOPMENT BANK	LOUISVILLE	KY
34334	AMERICAN METRO BANK	CHICAGO	IL
34319	SOUTHWESTERN NATIONAL BANK	HOUSTON	TX
34658	CITIZENS BANK & TRUST COMPANY OF CHICAGO	CHICAGO	IL
34656	AMERICAN FIRST NATIONAL BANK	HOUSTON	TX
34692	CANYON NATIONAL BANK	PALM SPRINGS	CA
34818	LEGACY BANK	MILWAUKEE	WI
34967	BANCO POPULAR NORTH AMERICA	NEW YORK	NY
34759	ASIAN BANK	PHILADELPHIA	PA
34643	SUNSTATE BANK	MIAMI	FL
35241	SOUTH CAROLINA COMMUNITY BANK	COLUMBIA	SC
35065	UNITED AMERICAS BANK, NATIONAL ASSOCIATION	ATLANTA	GA
35186	FIRST AMERICAN INTERNATIONAL BANK	BROOKLYN	NY
35419	PREMIER BANK	WILMETTE	IL
35314	ALAMERICA BANK	BIRMINGHAM	AL
34998	FIRST INTERCONTINENTAL BANK	DORAVILLE	GA
57041	COMMUNITY'S BANK, THE	BRIDGEPORT	CT
57119	UNITED BANK OF EL PASO DEL NORTE	EL PASO	TX
35474	TOMATOBANK, NATIONAL ASSOCIATION	ALHAMBRA	CA
57083	PLUS INTERNATIONAL BANK	MIAMI	FL
35599	UNION CREDIT BANK	MIAMI	FL
57246	PACIFIC INTERNATIONAL BANK	SEATTLE	WA
57120	UNITI BANK	BUENA PARK	CA
57214	INTERCONTINENTAL BANK	WEST MIAMI	FL
57065	PACIFIC COMMERCE BANK	LOS ANGELES	CA
57369	U.S. CENTURY BANK	MIAMI	FL
57198	AMERICAN PREMIER BANK	ARCADIA	CA
57463	PACIFIC CITY BANK	LOS ANGELES	CA
57444	AMERICAN CONTINENTAL BANK	CITY OF INDUSTRY	CA
57915	BANK OF GROVE	GROVE	OK
57901	ONE WORLD BANK	DALLAS	TX
57873	COMMONWEALTH BUSINESS BANK	LOS ANGELES	CA
58282	EAGLE BANK	POLSON	MT
58082	LIBERTAD BANK, SSB	AUSTIN	TX
57885	FIRST VIETNAMESE AMERICAN BANK	WESTMINSTER	CA
57944	FIRST STANDARD BANK	LOS ANGELES	CA
57983	INDUS AMERICAN BANK	ISELIN	NJ
57759	ALL AMERICAN BANK	DES PLAINES	IL
57966	FIRST CHOICE BANK	CERRITOS	CA
58060	FIRST GENERAL BANK	ROWLAND HEIGHTS	CA
57974	SAIGON NATIONAL BANK	WESTMINSTER	CA
57987	UNITED INTERNATIONAL BANK	FLUSHING	NY
58137	PACIFIC RIM BANK	HONOLULU	HI
57871	MOREBANK	PHILADELPHIA	PA
58181	METRO CITY BANK	DORAVILLE	GA
58231	OHANA PACIFIC BANK	HONOLULU	HI
58305	PLAZA BANK	SEATTLE	WA
58308	HAVEN TRUST BANK FLORIDA	PONTE VEDRA BEACH	FL
58252	SONORAN BANK, N.A.	PHOENIX	AZ
58261	PREMIER BUSINESS BANK	LOS ANGELES	CA
58349	PROMERICA BANK	LOS ANGELES	CA
58377	CENTRAL BANK	TAMPA	FL
58310	US METRO BANK	GARDEN GROVE	CA
58203	NEWBANK	FLUSHING	NY
58340	LOTUS BANK	NOVI	MI
58407	UNIBANK	LYNNWOOD	WA
58360	AMERICAS UNITED BANK	GLENDALE	CA
58234	PACIFIC ALLIANCE BANK	ROSEMEAD	CA
58348	MILLENNIUM BANK	DES PLAINES	IL
58263	GLOBAL BANK	NEW YORK	NY
58418	NEVADA NATIONAL BANK	LAS VEGAS	NV
58391	GOLDEN COAST BANK	LONG BEACH	CA
58499	FIRST ASIAN BANK	LAS VEGAS	NV
58469	AMERICAN PLUS BANK, NATIONAL ASSOCIATION	ARCADIA	CA
58586	TURTLE MOUNTAIN STATE BANK	BELCOURT	ND
58525	BANKASIANA	PALISADES PARK	NJ
58390	SANTA ANA BUSINESS BANK	SANTA ANA	CA
58401	MEGA BANK	SAN GABRIEL	CA
58808	GLOBAL TRUST BANK	MOUNTAIN VIEW	CA
58657	NOA BANK	DULUTH	GA
58816	ROYAL BUSINESS BANK	LOS ANGELES	CA

Data compiled from the FFIEC website on September 14, 2010.

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