Peer Data

African-American Banks: $100M & Over (Year-End 2008)
	12/31/2008	12/31/2007	12/31/2006	12/31/2005	12/31/2004
Peer Group Information
NUMBER OF BANKS IN PEER GROUP	18	18	18	18	18
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME	0.88	0.88	0.90	0.97	1.09
NONINTEREST EXPENSE	3.60	3.49	3.54	3.84	3.91
PROVISION LOAN & LEASE LOSSES	0.62	0.15	0.15	0.16	0.17
REALIZED GAINS/LOSSES SEC	-0.46	-0.04	-0.00	-0.03	0.04
NET OPERATING INCOME	0.11	0.84	0.94	0.80	0.88
NET INCOME	0.15	0.84	0.94	0.80	0.88
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS	94.98	95.07	95.24	94.73	93.69
NET INT INC-TE TO AVG EARN ASSET	3.89	4.10	4.26	4.34	4.42
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN&LS	0.54	0.15	0.31	0.13	0.18
LN&LS ALLOWANCE TO TOTAL LN&LS	1.63	1.39	1.40	1.55	1.53
NON-CUR LN&LS TO GROSS LN&LS	4.34	2.51	1.62	1.62	1.61
Liquidity
NET NON CORE FUND DEPENDENCE	34.89	31.35	29.17	23.68	25.39
NET LOANS & LEASES TO ASSETS	63.84	62.79	62.11	60.30	59.77
Capitalization
TIER ONE LEVERAGE CAPITAL	8.91	9.19	9.64	9.47	9.20
TIER ONE RBC TO RISK-WGT ASSETS	13.59	13.87	14.02	14.23	14.55
TOTAL RBC TO RISK-WEIGHT ASSETS	15.03	15.31	15.14	15.40	15.76
CASH DIVIDENDS TO NET INCOME	38.82	57.82	36.56	29.89	68.25
Growth Rates
ASSETS	6.01	6.05	7.15	9.33	11.27
TIER ONE CAPITAL	2.15	4.24	8.97	9.30	9.79
NET LOANS & LEASES	7.96	7.85	9.88	10.18	14.15

Banks in Selected Peer Group
FDIC Cert. Number	Institution Name	City	State	Zip	County
8033	Citizens Trust Bank	Atlanta	GA	30302	Fulton
12266	Mechanics & Farmers Bank	Durham	NC	27702	Durham
14679	Industrial Bank	Oxon Hill	MD	20745	District Of Columbia
16511	Tri-State Bank of Memphis	Memphis	TN	38101	Shelby
19328	Seaway Bank and Trust Company	Chicago	IL	60619	Cook
20179	First Independence Bank	Detroit	MI	48226	Wayne
20290	Highland Community Bank	Chicago	IL	60620	Cook
20856	Liberty Bank and Trust Company	New Orleans	LA	70160	Orleans
21111	City National Bank of New Jersey	Newark	NJ	07102	Essex
23966	OneUnited Bank	Boston	MA	02110	Suffolk
24015	The Harbor Bank of Maryland	Baltimore	MD	21201	Baltimore City
26725	EuroBank	Coral Gables	FL	33134	Miami-dade
33938	Capitol City Bank & Trust Company	Atlanta	GA	30310	Fulton
33990	Bank of St. Croix, Inc.	Christiansted	VI	00820	St. Croix
34496	First Commercial Bank (USA)	Alhambra	CA	91801	Los Angeles
34818	Legacy Bank	Milwaukee	WI	53206	Milwaukee
34919	Detroit Commerce Bank	Detroit	MI	48226	Wayne
35314	Alamerica Bank	Birmingham	AL	35205	Jefferson