Peninsula Bank Posts Earnings fo

Historical Financial Highlights

	2003	2004	2005	2006	2007
Total Assets	336,128,972	376,794,802	507,472,583	667,248,729	623,986,187
Total Loans, Net	196,091,731	249,668,271	353,950,183	443,428,925	426,092,116
Total Deposits	304,526,421	345,370,040	464,395,644	597,111,814	548,921,855
Net Income	3,780,286	4,374,617	5,928,393	(737,139)**	6,417,281
Return on Average Assets	1.29%	1.22%	1.50%	(0.14)%**	0.99%
Return on Average Equity	15.56%	15.31%	18.62%	(1.95)%	12.27%

**It is worth noting that management prudently took a one time charge against 2006 earnings in the amount of $7,140,000 resulting from a civil judgment that remains under appeal. Without this one time charge net income would have been $6,417,000.

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