Peer Data

De Novo Banks (As of March 31, 2009)
	03/31/2009	03/31/2008	12/31/2008	12/31/2007	12/31/2006
Peer Group Information
TOTAL ASSETS ($MILLIONS)	24,344	20,133	23,349	18,710	15,770
EQUITY CAPITAL ($MILLIONS)	2,488	2,486	2,424	2,403	2,923
NET INCOME ($MILLIONS)	-14	-20	-153	-28	-47
NUMBER OF BANKS IN PEER GROUP	145	156	149	156	161
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME	0.28	0.29	0.27	0.31	0.31
NONINTEREST EXPENSE	3.18	3.67	3.50	4.04	5.40
PROVISION LOAN & LEASE LOSSES	0.57	0.47	0.98	0.56	0.80
REALIZED GAINS/LOSSES SEC	0.05	0.02	0.01	0.00	N/A
NET OPERATING INCOME	-0.51	-0.57	-1.04	-0.57	-1.54
NET INCOME	-0.51	-0.57	-1.04	-0.57	-1.54
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS	94.68	95.25	95.34	95.16	94.20
NET INT INC-TE TO AVG EARN ASSET	2.98	3.40	3.24	3.89	4.30
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN&LS	0.46	0.13	0.53	0.11	0.01
LN&LS ALLOWANCE TO TOTAL LN&LS	1.60	1.31	1.56	1.28	1.23
NON-CUR LN&LS TO GROSS LN&LS	2.31	1.04	2.11	0.68	0.05
Liquidity
NET NON CORE FUND DEPENDENCE	37.33	28.64	38.65	24.45	14.20
NET LOANS & LEASES TO ASSETS	76.33	76.15	78.13	74.69	68.23
Capitalization
TIER ONE LEVERAGE CAPITAL	10.55	13.39	10.81	14.08	20.37
TIER ONE RBC TO RISK-WGT ASSETS	12.59	15.72	12.71	16.75	25.41
TOTAL RBC TO RISK-WEIGHT ASSETS	13.77	16.81	13.89	17.83	26.36
CASH DIVIDENDS TO NET INCOME	N/A	N/A	N/A	0.00	N/A
Growth Rates
ASSETS	28.08	35.47	27.90	43.73	122.87
TIER ONE CAPITAL	1.30	6.24	0.11	6.00	2.58
NET LOANS & LEASES	28.67	50.45	34.64	60.55	426.76