USAL BANCORP, INC. Financial Reports

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:· USAL BANCORP, INC.

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Off Balance Sheet
::	Holding Company Credit Default Swaps
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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 CPAs and Advisors

Related Bank / Thrift	Assets	Asset Concentration
AmeriFirst Bank	343,672	Commercial Lending Specialization

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

Total Assets	34,313	Total Operating Income	3,174
Total Liabilities	9,827	Total Operating Expenses	488
Total Equity Capital	24,486	Equity in Undistributed Income	435
		Net income (loss)	3,241

Miscellaneous
Cash Dividends Declared by Bank Holding Company	376
Total Consolidated Assets of Bank Holding Company	334,452

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