Peer Data

All Minority Banks: Under $100M (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	61	61	59	50	42
Earnings and Profitability: Percent of Average Assets
Noninterest Income	0.76	0.66	0.72	0.94	1.09
Noninterest Expense	4.93	5.50	6.18	7.13	5.60
Provision: Loan & Lease Losses	1.04	0.77	0.37	0.39	0.27
Realized Gains/Losses Sec	0.06	0.02	0.00	0.00	0.00
Net Operating Income	-1.71	-1.96	-2.22	-2.31	-0.37
Net Income	-1.77	-1.95	-2.20	-2.31	-0.37
Margin Analysis
Avg Earning Assets to Avg Assets	92.57	92.70	92.00	92.83	92.07
Net Int Inc-TE to Avg Earning Assets	3.82	3.91	4.45	4.84	4.83
Loan & Lease Analysis
Net Loss to Average Total LN & LS	1.01	0.60	0.12	0.17	0.29
LN & LS Allowance to Total LN & LS	1.96	1.57	1.46	1.46	1.58
Noncurrent Loans to Total Loans	3.66	2.55	1.69	1.82	1.89
Liquidity
Net Noncore Fund Dependence	27.86	24.98	5.89	7.42	13.13
Net Loans & Leases to Assets	66.05	65.83	58.88	59.97	59.86
Capitalization
Tier One Leverage Capital	10.16	13.35	16.38	17.98	12.75
Tier One RBC to Risk-Weight Assets	14.94	18.74	24.38	27.30	19.96
Total RBC to Risk-Weight Assets	16.16	19.89	25.46	28.32	21.05
Cash Dividends to Net Income	8.25	15.22	11.37	18.61	23.26
Growth Rates
Total Assets	10.72	16.39	19.32	8.73	5.99
Tier One Capital	-9.84	-4.81	-1.27	3.87	10.49
Net Loans & Leases	12.05	38.02	29.95	19.91	2.15

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
26725	EUROBANK	BOCA RATON	FL
4051	ALLNATIONS BANK	CALUMET	OK
21090	FORT GIBSON STATE BANK	FORT GIBSON	OK
15611	OKLAHOMA STATE BANK	VINITA	OK
422	BANK OF COMMERCE	STILWELL	OK
16584	CARVER STATE BANK	SAVANNAH	GA
20292	AMERICAN STATE BANK	TULSA	OK
3337	TEXAS NATIONAL BANK	MERCEDES	TX
11583	CONSOLIDATED BANK AND TRUST COMPANY	RICHMOND	VA
31762	GREATER SOUTH TEXAS BANK	FALFURRIAS	TX
4180	FIRST STATE BANK OF PORTER	PORTER	OK
18301	FIRST STATE BANK	SHALLOWATER	TX
22476	COVENANT BANK	CHICAGO	IL
2320	PEOPLES BANK	WESTVILLE	OK
22229	COMMONWEALTH NATIONAL BANK	MOBILE	AL
20448	PAN AMERICAN BANK	LOS ANGELES	CA
27026	NATIVE AMERICAN BANK, NATIONAL ASSOCIATION	DENVER	CO
9502	FIRST STATE BANK	DANVILLE	VA
20364	NORTH MILWAUKEE STATE BANK	MILWAUKEE	WI
22657	CITIZENS STATE BANK	ROMA	TX
2327	BANK OF CHEROKEE COUNTY	HULBERT	OK
26351	UNITY NATIONAL BANK OF HOUSTON	HOUSTON	TX
27421	F & M BANK, NATIONAL ASSOCIATION, OKLAHOMA CITY, OKLAHOMA	YUKON	OK
33013	ASIAN PACIFIC NATIONAL BANK	SAN GABRIEL	CA
33519	FIRST TUSKEGEE BANK	TUSKEGEE	AL
33568	UNITED BANK OF PHILADELPHIA	PHILADELPHIA	PA
33872	GREAT EASTERN BANK OF FLORIDA	MIAMI	FL
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
34658	CITIZENS BANK & TRUST COMPANY OF CHICAGO	CHICAGO	IL
34759	ASIAN BANK	PHILADELPHIA	PA
35241	SOUTH CAROLINA COMMUNITY BANK	COLUMBIA	SC
35314	ALAMERICA BANK	BIRMINGHAM	AL
57041	COMMUNITY'S BANK, THE	BRIDGEPORT	CT
57915	BANK OF GROVE	GROVE	OK
58282	EAGLE BANK	POLSON	MT
58082	LIBERTAD BANK, SSB	AUSTIN	TX
57885	FIRST VIETNAMESE AMERICAN BANK	WESTMINSTER	CA
57759	ALL AMERICAN BANK	DES PLAINES	IL
57974	SAIGON NATIONAL BANK	WESTMINSTER	CA
57871	MOREBANK	PHILADELPHIA	PA
58231	OHANA PACIFIC BANK	HONOLULU	HI
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
58340	LOTUS BANK	NOVI	MI
58234	PACIFIC ALLIANCE BANK	ROSEMEAD	CA
58348	MILLENNIUM BANK	DES PLAINES	IL
58418	NEVADA NATIONAL BANK	LAS VEGAS	NV
58391	GOLDEN COAST BANK	LONG BEACH	CA
58499	FIRST ASIAN BANK	LAS VEGAS	NV
58586	TURTLE MOUNTAIN STATE BANK	BELCOURT	ND
58390	SANTA ANA BUSINESS BANK	SANTA ANA	CA
58808	GLOBAL TRUST BANK	MOUNTAIN VIEW	CA
58657	NOA BANK	DULUTH	GA

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

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