Peer Data

De Novo Peer Group Data as of March 31, 2011, for Banks With Assets Less Than $750 Million
Year Opened	2009
Peer Group Information
Average Total Assets	1,837,446
Total Equity Capital	259,974
Net Income	-2,375
Number of Banks in Peer Group	21
Earnings and Profitability: Percent of Average Assets
Noninterest Income	0.17
Noninterest Expense	4.25
Provision: Loan & Lease Losses	0.34
Realized Gains/Losses Sec	0.00
Net Operating Income	-1.05
Net Income	-1.05
Margin Analysis
Avg Earning Assets to Avg Assets	95.07
Net Int Inc-TE to Avg Earning Assets	3.52
Loan & Lease Analysis
Net Loss to Average Total LN & LS	0.02
LN & LS Allowance to Total LN & LS	1.39
Noncurrent Loans to Total Loans	0.18
Liquidity
Net Noncore Fund Dependence	-8.77
Net Loans & Leases to Assets	60.34
Capitalization
Tier One Leverage Capital	15.97
Tier One RBC to Risk-Weight Assets	23.28
Total RBC to Risk-Weight Assets	24.37
Cash Dividends to Net Income	0.00
Growth Rates
Total Assets	44.03
Tier One Capital	1.05
Net Loans & Leases	107.19

Data compiled from the FFIEC website on June 14, 2011.