Peer Data

De Novo Peer Group Data as of June 30, 2010, for Banks With Assets Less Than $750 Million
Year Opened	2009
Peer Group Information
Average Total Assets	1,240,579
Total Equity Capital	243,175
Net Income	-13,432
Number of Banks in Peer Group	22
Earnings and Profitability: Percent of Average Assets
Noninterest Income	0.18
Noninterest Expense	5.07
Provision: Loan & Lease Losses	0.67
Realized Gains/Losses Sec	0.02
Net Operating Income	-2.89
Net Income	-2.89
Margin Analysis
Avg Earning Assets to Avg Assets	92.39
Net Int Inc-TE to Avg Earning Assets	2.90
Loan & Lease Analysis
Net Loss to Average Total LN & LS	0.01
LN & LS Allowance to Total LN & LS	1.40
Noncurrent Loans to Total Loans	0.01
Liquidity
Net Noncore Fund Dependence	-2.18
Net Loans & Leases to Assets	52.84
Capitalization
Tier One Leverage Capital	21.45
Tier One RBC to Risk-Weight Assets	35.39
Total RBC to Risk-Weight Assets	36.49
Cash Dividends to Net Income	0.00
Growth Rates
Total Assets	126.30
Tier One Capital	-10.89
Net Loans & Leases	1987.61

Data compiled from the FFIEC website on October 11, 2010.