Holding Companies at which Insurance Income Made up the Highest Percentage of Noninterest Income in 2008

Rank % of Non-Interest Income Bank Holding Company Name City State

1 323.72% Citigroup Inc. New York NY

2 235.06% Alliance Bankshares Corporation Chantilly VA

3 68.51% 473 Broadway Holding Corporation Saratoga Springs NY

4 62.52% Central Community Corporation Temple TX

5 61.41% Vist Financial Corp. Wyomissing PA

6 60.82% First Manitowoc Bancorp, Inc. Manitowoc WI

7 59.53% Eastern Bank Corporation Boston MA

8 58.30% Shore Bancshares, Inc. Easton MD

9 57.46% Texas Independent Bancshares, Inc. Texas City TX

10 55.87% Mountainone Financial Partners MHC North Adams MA

11 55.00% Northeast Bancorp Lewiston ME

12 51.53% Summit Financial Group Inc. Moorefield WV

13 49.47% Industry Bancshares Inc. Industry TX

14 49.22% Farmers State Corp. Mankato MN

15 47.62% Van Diest Investment Co. Ankeny IA

16 47.28% Cobiz Financial Inc. Denver CO

17 45.90% Oceanpoint Financial Partners MHC Newport RI

18 42.70% Platte Valley Financial Service Companies, Inc. Scottsbluff NE

19 42.49% South Dakota Bancshares Inc. Pierre SD

20 41.07% Lauritzen Corp. Omaha NE

21 40.71% First Bank Corp. Fort Smith AR

22 39.89% ACNB Corp. Gettysburg PA

23 38.52% Community First Bancshares Inc. Union City TN

24 38.41% Beacon Bancorp Taunton MA

25 36.88% Smithtown Bancorp Inc. Hauppauge NY

Rankings excludes MetLife, Inc., which does not engage in significant banking activities

Source: Michael White-Prudential Bank Insurance Fee Income Report, Michael White Associates and American Bankers Insurance Association

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