Peer Data

Multi-Racial American Banks: $100M & Over (As of September 30, 2009)
	09/30/2009	09/30/2008	12/31/2008	12/31/2007	12/31/2006
Peer Group Information
NUMBER OF BANKS IN PEER GROUP	3	3	3	3	3
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME	1.53	1.67	1.62	1.71	1.37
NONINTEREST EXPENSE	3.82	4.28	4.35	5.31	4.77
PROVISION LOAN & LEASE LOSSES	2.00	0.34	1.05	0.32	0.09
REALIZED GAINS/LOSSES SEC	0.26	0.00	0.02	-0.01	-0.12
NET OPERATING INCOME	-0.74	0.30	-0.44	-0.21	0.03
NET INCOME	-0.67	0.30	-0.44	-0.21	0.03
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS	95.19	94.45	94.47	94.12	91.74
NET INT INC-TE TO AVG EARN ASSET	3.16	3.56	3.52	4.13	4.36
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN&LS	2.04	0.19	0.79	0.34	0.07
LN&LS ALLOWANCE TO TOTAL LN&LS	1.94	0.99	1.27	0.95	0.98
NON-CUR LN&LS TO GROSS LN&LS	4.54	3.61	2.58	2.21	0.96
Liquidity
NET NON CORE FUND DEPENDENCE	36.83	51.09	48.39	43.25	20.30
NET LOANS & LEASES TO ASSETS	69.65	77.39	76.80	72.99	67.64
Capitalization
TIER ONE LEVERAGE CAPITAL	8.91	9.17	8.44	10.27	11.51
TIER ONE RBC TO RISK-WGT ASSETS	12.72	12.39	11.87	14.51	17.34
TOTAL RBC TO RISK-WEIGHT ASSETS	13.89	13.41	13.00	15.50	18.31
CASH DIVIDENDS TO NET INCOME	0.00	21.72	-11.98	0.00	0.00
Growth Rates
ASSETS	7.62	18.22	16.25	8.82	4.89
TIER ONE CAPITAL	11.20	-3.98	-2.59	-2.92	11.17
NET LOANS & LEASES	-2.84	23.98	21.75	20.56	20.94

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