Peer Data

De Novo Peer Group Data as of September 30, 2011, for Banks With Assets Less Than $750 Million
Year Opened	2009
Peer Group Information
Average Total Assets	1,945,068
Total Equity Capital	277,618
Net Income	-4,882
Number of Banks in Peer Group	21
Earnings and Profitability: Percent of Average Assets
Noninterest Income	0.24
Noninterest Expense	4.10
Provision: Loan & Lease Losses	0.37
Realized Gains/Losses Sec	0.03
Net Operating Income	-0.67
Net Income	-0.67
Margin Analysis
Avg Earning Assets to Avg Assets	95.40
Net Int Inc-TE to Avg Earning Assets	3.55
Loan & Lease Analysis
Net Loss to Average Total LN & LS	0.02
LN & LS Allowance to Total LN & LS	1.46
Noncurrent Loans to Total Loans	0.68
Liquidity
Net Noncore Fund Dependence	-10.43
Net Loans & Leases to Assets	61.26
Capitalization
Tier One Leverage Capital	13.69
Tier One RBC to Risk-Weight Assets	21.11
Total RBC to Risk-Weight Assets	22.27
Cash Dividends to Net Income	0.00
Growth Rates
Total Assets	39.44
Tier One Capital	7.22
Net Loans & Leases	54.21

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