Blackhawk Bank: Blackhawk Bancorp, Inc. Peer Analysis

Data for trailing four quarters

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Performance Ratios (%)		BHWB	Peer Median	Peer Average
	ROAA	0.34	0.26	(0.13)
	ROAE	5.49	1.50	(4.95)
	Net Interest Margin	3.57	3.62	3.67
	Efficiency Ratio	70.43	68.44	70.03
	Loans / Deposits	80.76	88.48	83.43

Asset Quality Ratios (%)
	NPAs / Assets	NA	2.40	2.99
	NCOs / Avg Loans	0.52	0.42	0.94
	Reserves / Loans	1.57	1.40	1.55
	Reserves / NPAs	NA	48.37	55.33

Capital Ratios (%)
	Tier 1 Capital	NA	12.18	12.23
	Tangible Equity / Tangible Assets	5.42	8.57	8.21
	Total Equity / Total Assets	6.81	9.71	9.18

Market Ratios
	Price / Earnings (x)	11.52	14.17	22.27
	Price / Book (%)	63.15	51.91	57.86
	Dividend Yield (%)	4.81	3.55	3.15

Blackhawk Bancorp, Inc.'s peer group consists of the following: Boyle Bancorp, Inc. (BYLB), ChoiceOne Financial Services, Inc. (COFS), Cortland Bancorp (CLDB), Croghan Bancshares, Inc. (CHBH), F.S. Bancorp (FXLG), First Bankers Trustshares, Inc. (FBTT), Middlefield Banc Corp. (MBCN), Mid-Wisconsin Financial Services, Inc. (MWFS), PSB Group, Inc. (PSBG), Southern Michigan Bancorp, Inc. (SOMC)

Blackhawk Bancorp, Inc.'s financial data is as of 9/30/2009.

Peer financial data is as of 9/30/2009 except for these companies:

Boyle Bancorp, Inc.'s financial data is as of 6/30/2009.
F.S. Bancorp's financial data is as of 6/30/2009.


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