Peer Data

All Minority Banks (As of June 30, 2013)
Asset Size	All	Under $100M	Over $100M
Peer Group Information
Number of Banks in Peer Group	179	50	129
Earnings and Profitability: Percent of Average Assets
Noninterest Income	0.78	0.79	0.80
Noninterest Expense	3.54	4.42	3.24
Provision: Loan & Lease Losses	0.18	0.18	0.19
Realized Gains/Losses Sec	0.03	0.04	0.03
Net Operating Income	0.54	0.01	0.75
Net Income	0.54	0.01	0.75
Margin Analysis
Avg Earning Assets to Avg Assets	93.37	91.61	94.10
Net Int Inc-TE to Avg Earning Assets	3.86	4.01	3.82
Loan & Lease Analysis
Net Loss to Average Total LN & LS	0.37	0.34	0.39
LN & LS Allowance to Total LN & LS	2.31	2.44	2.30
Noncurrent Loans to Total Loans	3.52	4.35	3.33
Liquidity
Net Noncore Fund Dependence	1.77	-2.13	3.61
Net Loans & Leases to Assets	64.18	61.82	65.25
Capitalization
Tier One Leverage Capital	11.00	9.90	11.41
Tier One RBC to Risk-Weight Assets	16.69	15.44	17.17
Total RBC to Risk-Weight Assets	17.94	16.62	18.44
Cash Dividends to Net Income	6.69	5.02	8.00
Growth Rates
Total Assets	1.33	-1.87	2.73
Tier One Capital	4.09	-1.34	6.01
Net Loans & Leases	1.22	-2.64	3.10

Banks in Selected Peer Group
FRB ID RSSD	Institution Name	City	State
762773	ABACUS FEDERAL SAVINGS BANK	NEW YORK	NY
405173	ADVANCE BANK	BALTIMORE	MD
2877484	ALAMERICA BANK	BIRMINGHAM	AL
146056	ALLNATIONS BANK	CALUMET	OK
1169650	AMERASIA BANK	FLUSHING	NY
3216316	AMERICAN CONTINENTAL BANK	CITY OF INDUSTRY	CA
2694681	AMERICAN FIRST NATIONAL BANK	HOUSTON	TX
2533043	AMERICAN METRO BANK	CHICAGO	IL
3623110	AMERICAN PLUS BANK, NATIONAL ASSOCIATION	ARCADIA	CA
3488980	AMERICAS UNITED BANK	GLENDALE	CA
1852569	ANZ GUAM, INC.	HAGATNA	GU
810900	ASIA BANK, N.A.	FLUSHING	NY
2785477	ASIAN BANK	PHILADELPHIA	PA
1462986	ASIAN PACIFIC NATIONAL BANK	SAN GABRIEL	CA
3358252	AZTECAMERICA BANK	BERWYN	IL
725732	BAC FLORIDA BANK	CORAL GABLES	FL
940311	BANCO POPULAR DE PUERTO RICO	SAN JUAN	PR
2736291	BANCO POPULAR NORTH AMERICA	NEW YORK	NY
816210	BANCO SANTANDER PUERTO RICO	SAN JUAN	PR
3402913	BANESCO USA	CORAL GABLES	FL
815754	BANK OF CHEROKEE COUNTY	HULBERT	OK
322850	BANK OF COMMERCE	STILWELL	OK
3286999	BANK OF GROVE	GROVE	OK
711472	BANK OF GUAM	HAGATNA	GU
49858	BANK OF SOUTH TEXAS	MCALLEN	TX
777366	BANK OF THE ORIENT	SAN FRANCISCO	CA
209362	BANK OF WHITTIER, NATIONAL ASSOCIATION	WHITTIER	CA
64552	BANK2	OKLAHOMA CITY	OK
3631067	BANKASIANA	PALISADES PARK	NJ
364270	BANKPACIFIC, LTD.	HAGATNA	GU
2329200	BAY BANK	GREEN BAY	WI
671464	BBCN BANK	LOS ANGELES	CA
609609	BNB BANK, NATIONAL ASSOCIATION	FORT LEE	NJ
26176	BROADWAY FEDERAL BANK, F.S.B.	LOS ANGELES	CA
50461	CALIFORNIA PACIFIC BANK	SAN FRANCISCO	CA
2243977	CAPITOL CITY BANK & TRUST COMPANY	ATLANTA	GA
268677	CARVER FEDERAL SAVINGS BANK	NEW YORK	NY
370833	CARVER STATE BANK	SAVANNAH	GA
595869	CATHAY BANK	LOS ANGELES	CA
71859	CBW BANK	WEIR	KS
800853	CENTINEL BANK OF TAOS	TAOS	NM
3468450	CENTRAL BANK	TAMPA	FL
562076	CHINATOWN FEDERAL SAVINGS BANK	NEW YORK	NY
996260	CHINATRUST BANK (U.S.A.)	TORRANCE	CA
55635	CITIZENS SAVINGS BANK AND TRUST COMPANY	NASHVILLE	TN
804860	CITIZENS STATE BANK	ROMA	TX
680130	CITIZENS TRUST BANK	ATLANTA	GA
567905	CITY NATIONAL BANK OF NEW JERSEY	NEWARK	NJ
596277	COLUMBIA SAVINGS AND LOAN ASSOCIATION	MILWAUKEE	WI
625159	COMMERCE BANK	LAREDO	TX
3337097	COMMONWEALTH BUSINESS BANK	LOS ANGELES	CA
578237	COMMONWEALTH NATIONAL BANK	MOBILE	AL
299868	COMMUNITY COMMERCE BANK	CLAREMONT	CA
2914905	COMMUNITY'S BANK, THE	BRIDGEPORT	CT
837037	CONTINENTAL NATIONAL BANK OF MIAMI	MIAMI	FL
3346633	EAGLE BANK	POLSON	MT
197478	EAST WEST BANK	PASADENA	CA
98717	EASTBANK, NATIONAL ASSOCIATION	NEW YORK	NY
206772	EASTERN INTERNATIONAL BANK	LOS ANGELES	CA
3482045	EMBASSY NATIONAL BANK	LAWRENCEVILLE	GA
2297998	EVERTRUST BANK	PASADENA	CA
1002430	EXECUTIVE NATIONAL BANK	MIAMI	FL
163857	F&M BANK	EDMOND	OK
564557	FALCON INTERNATIONAL BANK	LAREDO	TX
827560	FINANCE FACTORS, LIMITED	HONOLULU	HI
2857794	FIRST AMERICAN INTERNATIONAL BANK	BROOKLYN	NY
3374878	FIRST CHOICE BANK	CERRITOS	CA
2332910	FIRST COMMERCIAL BANK (U.S.A.)	ALHAMBRA	CA
3386264	FIRST GENERAL BANK	ROWLAND HEIGHTS	CA
254849	FIRST INDEPENDENCE BANK	DETROIT	MI
2877840	FIRST INTERCONTINENTAL BANK	ATLANTA	GA
396253	FIRST NATIONAL BANK AND TRUST COMPANY	SHAWNEE	OK
524766	FIRST STATE BANK	SHALLOWATER	TX
722227	FIRST STATE BANK	DANVILLE	VA
521251	FIRST STATE BANK OF PORTER	PORTER	OK
1897168	FIRST TUSKEGEE BANK	TUSKEGEE	AL
510871	FIRSTBANK PUERTO RICO	SAN JUAN	PR
186856	FORT GIBSON STATE BANK	FORT GIBSON	OK
1362246	FOSTER BANK, THE	CHICAGO	IL
1493319	GATEWAY BANK, F.S.B.	OAKLAND	CA
3561771	GLOBAL BANK	NEW YORK	NY
536059	GOLDEN BANK, NATIONAL ASSOCIATION	HOUSTON	TX
518877	GREATER SOUTH TEXAS BANK	FALFURRIAS	TX
657365	HANMI BANK	LOS ANGELES	CA
533124	HARBOR BANK OF MARYLAND, THE	BALTIMORE	MD
915065	HAWAII NATIONAL BANK	HONOLULU	HI
76135	HIGHLAND COMMUNITY BANK	CHICAGO	IL
250476	ILLINOIS-SERVICE FEDERAL SAVINGS AND LOAN ASSOCIATION	CHICAGO	IL
492173	INDEPENDENCE FEDERAL SAVINGS BANK	WASHINGTON	DC
3369959	INDUS AMERICAN BANK	ISELIN	NJ
536527	INDUSTRIAL BANK	WASHINGTON	DC
221775	INTERAMERICAN BANK, A FEDERAL SAVINGS BANK	MIAMI	FL
3122828	INTERCONTINENTAL BANK	WEST MIAMI	FL
2006024	INTERNATIONAL BANK OF CHICAGO	CHICAGO	IL
230759	INTERNATIONAL BANK OF COMMERCE	BROWNSVILLE	TX
382069	INTERNATIONAL BANK OF COMMERCE	ZAPATA	TX
1001152	INTERNATIONAL BANK OF COMMERCE	LAREDO	TX
867632	INTERNATIONAL FINANCE BANK	MIAMI	FL
3109146	LEADER BANK, NATIONAL ASSOCIATION	ARLINGTON	MA
283438	LIBERTY BANK AND TRUST COMPANY	NEW ORLEANS	LA
842460	LONE STAR NATIONAL BANK	PHARR	TX
3482166	LOTUS BANK	NOVI	MI
651121	LUMBEE GUARANTY BANK	PEMBROKE	NC
332224	MECHANICS & FARMERS BANK	DURHAM	NC
3690635	MEGA BANK	SAN GABRIEL	CA
2496081	METRO BANK	LOUISVILLE	KY
3437456	METRO CITY BANK	DORAVILLE	GA
1864601	METRO UNITED BANK	SAN DIEGO	CA
189352	METROBANK, NATIONAL ASSOCIATION	HOUSTON	TX
534466	METROPOLITAN BANK	OAKLAND	CA
3547896	MILLENNIUM BANK	DES PLAINES	IL
519360	MISSION NATIONAL BANK	SAN FRANCISCO	CA
1972298	MY BANK	BELEN	NM
215130	NATIONAL REPUBLIC BANK OF CHICAGO, THE	CHICAGO	IL
664653	NATIVE AMERICAN BANK, NATIONAL ASSOCIATION	DENVER	CO
300063	NEW OMNI BANK, NATIONAL ASSOCIATION	ALHAMBRA	CA
3472859	NEWBANK	FLUSHING	NY
3832127	NOA BANK	DULUTH	GA
3388165	NOAH BANK	ELKINS PARK	PA
759540	NORTH MILWAUKEE STATE BANK	MILWAUKEE	WI
663834	OCEAN BANK	MIAMI	FL
3447772	OHANA PACIFIC BANK	HONOLULU	HI
285759	OKLAHOMA STATE BANK	VINITA	OK
3296859	ONE WORLD BANK	DALLAS	TX
935308	ONEUNITED BANK	BOSTON	MA
3357219	OPEN BANK	LOS ANGELES	CA
245276	ORIENTAL BANK	SAN JUAN	PR
3546862	PACIFIC ALLIANCE BANK	ROSEMEAD	CA
3212402	PACIFIC CITY BANK	LOS ANGELES	CA
3143805	PACIFIC COMMERCE BANK	LOS ANGELES	CA
2360904	PACIFIC GLOBAL BANK	CHICAGO	IL
3426656	PACIFIC RIM BANK	HONOLULU	HI
641364	PAN AMERICAN BANK	LOS ANGELES	CA
3367067	PAN PACIFIC BANK	FREMONT	CA
539452	PEOPLES BANK	WESTVILLE	OK
2396592	PEOPLE'S BANK OF SENECA	SENECA	MO
365745	PINNACLE BANK	MARSHALLTOWN	IA
3447875	PLAZA BANK	SEATTLE	WA
3049729	PLUS INTERNATIONAL BANK	MIAMI	FL
897170	PONCE DE LEON FEDERAL BANK	BRONX	NY
1918344	PREFERRED BANK	LOS ANGELES	CA
2380470	PREMIER BANK	DENVER	CO
3459346	PREMIER BUSINESS BANK	LOS ANGELES	CA
3462074	PROAMERICA BANK	LOS ANGELES	CA
2354387	QUANTUM NATIONAL BANK	SUWANEE	GA
3835454	ROYAL BUSINESS BANK	LOS ANGELES	CA
1865680	SAEHAN BANK	LOS ANGELES	CA
3394380	SAIGON NATIONAL BANK	WESTMINSTER	CA
716413	SCOTIABANK DE PUERTO RICO	HATO REY	PR
673431	SEAWAY BANK AND TRUST COMPANY	CHICAGO	IL
2794732	SOUTH CAROLINA COMMUNITY BANK	COLUMBIA	SC
2625724	SOUTHWESTERN NATIONAL BANK	HOUSTON	TX
3650442	STATE BANK OF GEORGIA	FAYETTEVILLE	GA
779968	STATE BANK OF INDIA (CALIFORNIA)	LOS ANGELES	CA
1157415	STATE BANK OF TEXAS	DALLAS	TX
2791085	SUNSTATE BANK	MIAMI	FL
564977	TERRITORIAL SAVINGS BANK	HONOLULU	HI
497954	TEXAS NATIONAL BANK	MERCEDES	TX
2943389	TOMATOBANK, NATIONAL ASSOCIATION	ALHAMBRA	CA
3645840	TOUCHMARK NATIONAL BANK	ALPHARETTA	GA
515054	TRI-STATE BANK OF MEMPHIS	MEMPHIS	TN
3626184	TURTLE MOUNTAIN STATE BANK	BELCOURT	ND
3146150	U.S. CENTURY BANK	MIAMI	FL
3487947	UNIBANK	LYNNWOOD	WA
2942823	UNITED BANK OF EL PASO DEL NORTE	EL PASO	TX
1945247	UNITED BANK OF PHILADELPHIA	PHILADELPHIA	PA
259657	UNITED CENTRAL BANK	GARLAND	TX
3404869	UNITED INTERNATIONAL BANK	FLUSHING	NY
70218	UNITED ORIENT BANK	NEW YORK	NY
609467	UNITED PACIFIC BANK	CITY OF INDUSTRY	CA
3076284	UNITI BANK	BUENA PARK	CA
853251	UNITY NATIONAL BANK OF HOUSTON	HOUSTON	TX
208570	UNIVERSAL BANK	WEST COVINA	CA
4184186	URBAN PARTNERSHIP BANK	CHICAGO	IL
3470154	US METRO BANK	GARDEN GROVE	CA
283867	WALLIS STATE BANK, THE	WALLIS	TX
382667	WILSHIRE STATE BANK	LOS ANGELES	CA
980951	WOODLANDS NATIONAL BANK	HINCKLEY	MN
218261	ZAPATA NATIONAL BANK	ZAPATA	TX

Data compiled from the FFIEC website on August 22, 2013.

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