Peer Data

Asian Banks: Under $100M (as of September 30, 2008)
	09/30/2008	09/30/2007	12/31/2007	12/31/2006	12/31/2005
Peer Group Information
NUMBER OF BANKS IN PEER GROUP	30	28	29	20	14
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME	0.35	0.34	0.43	0.52	0.75
NONINTEREST EXPENSE	5.41	9.31	8.38	9.30	12.54
PROVISION LOAN & LEASE LOSSES	0.64	0.57	0.62	0.68	0.59
REALIZED GAINS/LOSSES SEC	0.01	0.00	0.00	-0.00	-0.01
NET OPERATING INCOME	-2.58	-5.30	-4.86	-4.79	-8.15
NET INCOME	-2.54	-5.30	-4.83	-4.79	-8.15
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS	94.48	93.09	93.10	93.97	92.59
NET INT INC-TE TO AVG EARNING ASSET	3.24	4.71	4.23	4.82	4.67
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN & LS	0.22	0.09	0.17	0.03	0.14
LN & LS ALLOWANCE TO TOTAL LN & LS	1.50	1.41	1.42	1.63	1.44
NON-CUR LN & LS TO GROSS LN & LS	2.03	0.88	0.88	1.19	1.03
Liquidity
NET NONCORE FUND DEPENDENCE	22.08	-44.15	-11.80	-14.69	-4.17
NET LOANS & LEASES TO ASSETS	71.50	51.60	58.96	55.42	56.37
Capitalization
TIER ONE LEVERAGE CAPITAL	19.56	28.03	25.34	28.17	37.27
TIER ONE RBC TO RISK-WEIGHT ASSETS	23.02	44.96	35.90	41.67	60.34
TOTAL RBC TO RISK-WEIGHT ASSETS	24.17	45.89	36.88	42.72	61.33
CASH DIVIDENDS TO NET INCOME	0.51	0.51	0.36	0.65	20.59
Growth Rates
ASSETS	32.61	26.58	23.04	11.42	8.10
TIER ONE CAPITAL	-5.19	-2.77	-3.34	0.66	10.97
NET LOANS & LEASES	152.63	44.91	48.44	28.36	5.21

Banks in Selected Peer Group
Bank Name	RSSD	CERT	Assets
AMERICAN METRO BANK	2533043	34334	91,554
ASIAN BANK	2785477	34759	91,309
GLOBAL BANK	3561771	58263	89,845
PREMIER BANK	2380470	34112	89,169
GREAT EASTERN BANK OF FL	2145389	33872	86,011
FIRST CHOICE BANK	3374878	57966	85,806
EASTERN INTERNATIONAL BANK	206772	32277	83,288
AMERICAN PREMIER BANK	3175619	57198	78,695
NEWBANK	3472859	58203	74,003
CITIZENS B&T CO OF CHICAGO	2634735	34658	73,563
ONE WORLD BANK	3296859	57901	72,193
AMERICAN PLUS BANK N A	3623110	58469	71,437
PREMIER BUSINESS BANK	3459346	58261	69,307
OHANA PACIFIC BANK	3447772	58231	64,344
PACIFIC ALLIANCE BANK	3546862	58234	63,581
MEGA BANK	3690635	58401	60,154
SAIGON NATIONAL BANK	3394380	57974	55,043
FIRST VIETNAMESE AMERICAN BK	3351598	57885	54,292
FIRST STATE BANK	524766	18301	50,249
ASIAN PACIFIC NATIONAL BANK	1462986	33013	45,885
MOREBANK	3427765	57871	44,772
CENTRAL BANK	3468450	58377	40,702
AMERICAN PRIDE BANK	3671997	58584	40,074
New	3428221	58253	37,077
NEVADA NATIONAL BANK	3589588	58418	35,857
GOLDEN COAST BANK	3598218	58391	35,576
FIRST ASIAN BANK	3604155	58499	34,493
MILLENNIUM BANK	3547896	58348	34,431
LOTUS BANK	3482166	58340	25,110
ALL AMERICAN BANK	3373947	57759	22,607
TOTAL ASSETS	-	-	1,800,427