USAL BANCORP, INC. Financial Reports

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:· USAL BANCORP, INC.

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General Interest
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Off Balance Sheet
::	Holding Company Credit Default Swaps
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::	Derivatives
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USAL BANCORP, INC.

Institution Profile

Year Opened :

1998

Institution Type :

Holding Company

Reserve District :

Atlanta

Federal Regulator :

FED

Entity Type :

Bank Holding Company

Fiscal Year End :

12/31

Structure :

Corporation (stock)

S-Corp :

Related Bank / Thrift	Assets	Asset Concentration
AmeriFirst Bank	357,497	Commercial Lending Specialization

Financial Fast Facts
Balance Sheet (USD, in thousands)		Income Statement (USD, in thousands, ytd)

Total Assets	36,281	Total Operating Income	5
Total Liabilities	9,842	Total Operating Expenses	230
Total Equity Capital	26,439	Equity in Undistributed Income	2,039
		Net income (loss)	1,871

Miscellaneous
Cash Dividends Declared by Bank Holding Company	420
Total Consolidated Assets of Bank Holding Company	346,337

Source of Data: FDIC, FRB, NCUA, OCC, SEC, U.S. Department of the Treasury