B.E. banks.

B.E. BANKS

This    Last
Year    Year  Company                 Location

   1      1   Carver Federal          New York, NY
                Savings Bank
   2      2   OneUnited Bank          Boston, MA
   3      3   City National Bank      Newark, NJ
                of New Jersey
   4      4   Broadway Federal        Los Angeles, CA
                Bank
   5      8   Liberty Bank and        New Orleans, LA
                Trust Co.
   6     17   Industrial Bank         Washington, DC
   7      5   Seaway Bank and         Chicago, IL
                Trust Co.
   8      6   Citizens Bancshares     Atlanta, GA
                Corp.
   9     10   Capitol City Bank &     Atlanta, GA
                Trust Co.
  10      9   The Harbor Bank of      Baltimore, MD
                Maryland
  11     11   Mechanics & Farmers     Durham, NC
                Bank (M&F Bank)
  12     --   Urban Trust Bank        Lake Mary, FL

  13     13   Legacy Bank             Milwaukee, WI
  14     14   Independence            Washington, DC
                Federal Savings
                Bank
  15     12   First Independence      Detroit, MI
                Bank
  16     16   Illinois Service        Chicago, IL
                Federal Savings
                & Loan Association
  17     15   Tri-State Bank of       Memphis, TN
                Memphis
  18     17   Highland Community      Chicago, IL
                Bank
  19     20   North Milwaukee         Milwaukee, WI
                State Bank
  20     22   South Carolina          Columbia, SC
                Community Bank
  21     18   First Tuskegee Bank     Tuskegee, AL
  22     24   Advance Bank            Baltimore, MD
  23     25   Commonwealth            Mobile, AL
                National Bank
  24     22   United Bank of          Philadelphia, PA
                Philadelphia
  25     21   Citizens Savings        Nashville, TN
                Bank & Trust Co.

This    Chief                             Assets
Year    Executive              Staff   (in millions)

   1   Deborah C. Wright        160      $789.904
   2   Kevin Cohee              110       636.000
   3   Louis E. Prezeau         103       495.000
   4   Paul C. Hudson            85       407.934
   5   Alden J. McDonald Jr.    118       372.665
   6   B. Doyle Mitchell Jr.    140       363.881
   7   Walter E. Grady          242       363.000
   8   James E. Young           127       348.095
   9   George G. Andrews        105       302.000
  10   Joseph Haskins Jr.        80       284.968
  11   Kim D. Saunders           86       270.326
  12   Robert L. Johnson/       128       249.756
         Daniel C. Fischer
  13   Deloris Sims              37       224.538
  14   John A. Hall              34       183.800
  15   Donald Davis              54       161.139
  16   Norman J. Williams        43       143.854
  17   Jesse H. Turner Jr.       68       119.722
  18   Dennis J. Irvin           44       111.728
  19   Erbert Johnson            23        93.790
  20   Clente Flemming           45        78.980
  21   Neill S. Wright           33        78.396
  22   John M. Hamilton          39        76.000
  23   Tyrone Fenderson Jr.      28        73.649
  24   Evelyn F. Smalls          27        69.526
  25   Deborah A. Cole           24        68.990

This      Capital         Deposits         Loans
Year   (in millions)   (in millions)   (in millions)

   1      $48.135         $621.534        $631.144
   2       40.500          388.000         370.000
   3       28.100          407.117         271.906
   4       32.689          289.917         357.849
   5       27.609          335.899         175.934
   6       22.234          290.012         209.493
   7       36.000          315.000         196.000
   8       33.658          281.913         282.140
   9       22.400          270.000         233.400
  10       25.957          245.484         211.050
  11       25.280          217.432         208.576
  12       16.512          206.959         191.014
  13       19.243          189.765         181.941
  14        8.788          150.790         135.003
  15       15.251          112.540          88.370
  16       15.061           91.124         104.664
  17       15.328           96.576          85.265
  18       11.941           90.526          72.518
  19        8.234           51.116          74.003
  20        7.006           71.694          66.613
  21        6.302           66.430          51.484
  22        9.200           57.700          62.000
  23        5.735           65.924          29.927
  24        7.952           61.093          48.663
  25        7.501           59.165          59.345

AS OF DEC. 31, 2008. SOURCE: B.E. RESEARCH REVIEWED BY KBL,
L.L.P., CERTIFIED PUBLIC ACCOUNTANTS & ADVISORS.