Peer Data

African-American Banks (As of September 30, 2011)
Asset Size	All	Under $100M	Over $100M
Peer Group Information
Number of Banks in Peer Group	26	13	13
Earnings and Profitability: Percent of Average Assets
Noninterest Income	0.94	1.05	0.97
Noninterest Expense	4.41	5.08	3.69
Provision: Loan & Lease Losses	0.50	0.49	0.57
Realized Gains/Losses Sec	0.07	0.13	0.08
Net Operating Income	-0.24	-0.61	0.17
Net Income	-0.24	-0.61	0.17
Margin Analysis
Avg Earning Assets to Avg Assets	92.13	90.61	93.22
Net Int Inc-TE to Avg Earning Assets	3.99	4.18	3.72
Loan & Lease Analysis
Net Loss to Average Total LN & LS	0.70	0.75	0.76
LN & LS Allowance to Total LN & LS	2.23	2.35	2.31
Noncurrent Loans to Total Loans	7.65	8.00	7.74
Liquidity
Net Noncore Fund Dependence	12.24	10.41	14.29
Net Loans & Leases to Assets	59.28	58.79	59.74
Capitalization
Tier One Leverage Capital	8.72	8.93	9.28
Tier One RBC to Risk-Weight Assets	14.01	13.94	15.00
Total RBC to Risk-Weight Assets	15.24	15.14	16.26
Cash Dividends to Net Income	1.38	0.00	4.38
Growth Rates
Total Assets	-1.12	-3.05	3.17
Tier One Capital	-1.69	-6.04	3.85
Net Loans & Leases	-3.93	-4.70	0.84

Banks in Selected Peer Group
FRB ID RSSD	Institution Name	City	State
55635	CITIZENS SAVINGS BANK AND TRUST COMPANY	NASHVILLE	TN
76135	HIGHLAND COMMUNITY BANK	CHICAGO	IL
254849	FIRST INDEPENDENCE BANK	DETROIT	MI
283438	LIBERTY BANK AND TRUST COMPANY	NEW ORLEANS	LA
332224	MECHANICS & FARMERS BANK	DURHAM	NC
370833	CARVER STATE BANK	SAVANNAH	GA
515054	TRI-STATE BANK OF MEMPHIS	MEMPHIS	TN
533124	HARBOR BANK OF MARYLAND, THE	BALTIMORE	MD
533937	COVENANT BANK	CHICAGO	IL
536527	INDUSTRIAL BANK	WASHINGTON	DC
567905	CITY NATIONAL BANK OF NEW JERSEY	NEWARK	NJ
578237	COMMONWEALTH NATIONAL BANK	MOBILE	AL
673431	SEAWAY BANK AND TRUST COMPANY	CHICAGO	IL
680130	CITIZENS TRUST BANK	ATLANTA	GA
722227	FIRST STATE BANK	DANVILLE	VA
759540	NORTH MILWAUKEE STATE BANK	MILWAUKEE	WI
853251	UNITY NATIONAL BANK OF HOUSTON	HOUSTON	TX
935308	ONEUNITED BANK	BOSTON	MA
1897168	FIRST TUSKEGEE BANK	TUSKEGEE	AL
1945247	UNITED BANK OF PHILADELPHIA	PHILADELPHIA	PA
2243977	CAPITOL CITY BANK & TRUST COMPANY	ATLANTA	GA
2281371	BANK OF ST. CROIX	CHRISTIANSTED	VI
2332910	FIRST COMMERCIAL BANK (U.S.A.)	ALHAMBRA	CA
2496081	METRO BANK	LOUISVILLE	KY
2794732	SOUTH CAROLINA COMMUNITY BANK	COLUMBIA	SC
2877484	ALAMERICA BANK	BIRMINGHAM	AL

Data compiled from the FFIEC website on March 14, 2012.