Peer Data

De Novo Peer Group Data as of March 31, 2010, for Banks With Assets Less Than $750 Million
Year Opened	2009
Peer Group Information
Average Total Assets	1,714,643
Total Equity Capital	903,157
Net Income	-7,408
Number of Banks in Peer Group	23
Earnings and Profitability: Percent of Average Assets
Noninterest Income	0.16
Noninterest Expense	5.19
Provision: Loan & Lease Losses	0.69
Realized Gains/Losses Sec	0.00
Net Operating Income	-3.26
Net Income	-3.26
Margin Analysis
Avg Earning Assets to Avg Assets	89.74
Net Int Inc-TE to Avg Earning Assets	2.72
Loan & Lease Analysis
Net Loss to Average Total LN & LS	0.00
LN & LS Allowance to Total LN & LS	1.40
Noncurrent Loans to Total Loans	0.02
Liquidity
Net Noncore Fund Dependence	-19.48
Net Loans & Leases to Assets	45.72
Capitalization
Tier One Leverage Capital	26.46
Tier One RBC to Risk-Weight Assets	46.09
Total RBC to Risk-Weight Assets	47.10
Cash Dividends to Net Income	0.00
Growth Rates
Total Assets	212.67
Tier One Capital	-11.33
Net Loans & Leases	852.99

Data compiled from the FFIEC website on September 27, 2010.