Peer Data

Multi-Racial American Banks (As of June 30, 2009)
	06/30/2009	06/30/2008	12/31/2008	12/31/2007	12/31/2006
Peer Group Information
NUMBER OF BANKS IN PEER GROUP	4	4	4	4	4
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME	1.00	1.15	1.27	1.40	1.11
NONINTEREST EXPENSE	3.90	4.77	4.52	5.79	5.08
PROVISION LOAN & LEASE LOSSES	1.92	0.19	0.81	0.33	0.13
REALIZED GAINS/LOSSES SEC	0.53	0.03	0.03	-0.01	-0.09
NET OPERATING INCOME	-1.00	-0.21	-0.63	-0.68	-0.26
NET INCOME	-0.92	-0.21	-0.63	-0.68	-0.26
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS	94.79	94.73	94.55	94.33	93.03
NET INT INC-TE TO AVG EARN ASSET	3.17	3.57	3.40	4.03	4.30
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN&LS	2.10	0.04	0.59	0.30	0.07
LN&LS ALLOWANCE TO TOTAL LN&LS	1.78	1.31	1.52	1.29	1.23
NON-CUR LN&LS TO GROSS LN&LS	2.85	3.16	2.54	2.67	0.72
Liquidity
NET NON CORE FUND DEPENDENCE	46.08	50.19	52.51	42.06	17.48
NET LOANS & LEASES TO ASSETS	66.92	67.60	66.85	68.88	65.29
Capitalization
TIER ONE LEVERAGE CAPITAL	8.33	9.90	8.15	11.25	13.27
TIER ONE RBC TO RISK-WGT ASSETS	12.46	13.97	12.09	15.80	19.59
TOTAL RBC TO RISK-WEIGHT ASSETS	13.63	15.03	13.25	16.85	20.63
CASH DIVIDENDS TO NET INCOME	0.00	176.00	-8.99	0.00	0.00
Growth Rates
ASSETS	11.53	26.41	30.06	8.23	2.34
TIER ONE CAPITAL	5.46	-7.58	-6.51	-7.24	6.80
NET LOANS & LEASES	14.03	22.57	19.34	16.26	12.61

Banks in Selected Peer Group
FDIC Cert. Number	Institution Name	City	State	Zip	County
21220	Espirito Santo Bank	Miami	FL	33131	Miami-dade
34548	Neighborhood National Bank	San Diego	CA	92113	San Diego
34643	Sunstate Bank	Miami	FL	33176	Miami-dade
57041	The Community's Bank	Bridgeport	CT	06604	Fairfield