USAL BANCORP, INC. Financial Reports

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:· USAL BANCORP, INC.

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Off Balance Sheet
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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 :

External Auditor :

Warren Averett

Related Bank / Thrift	Assets	Asset Concentration
AmeriFirst Bank	355,312	Commercial Lending Specialization

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

Total Assets	38,631	Total Operating Income	3,442
Total Liabilities	9,856	Total Operating Expenses	464
Total Equity Capital	28,775	Equity in Undistributed Income	686
		Net income (loss)	3,778

Miscellaneous
Cash Dividends Declared by Bank Holding Company	419
Total Consolidated Assets of Bank Holding Company	356,918

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