Peer Data

De Novo Banks (as of September 30, 2008)
	09/30/2008	09/30/2007	12/31/2007	12/31/2006	12/31/2005
Peer Group Information
TOTAL ASSETS ($MILLIONS)	18,107	15,279	15,534	12,608	9,526
EQUITY CAPITAL ($MILLIONS)	1,863	1,832	1,821	1,686	1,611
NET INCOME ($MILLIONS)	-18	34	33	22	-73
NUMBER OF BANKS IN PEER GROUP	110	115	112	116	118
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME	0.41	0.37	0.36	0.36	0.35
NONINTEREST EXPENSE	3.35	3.52	3.55	3.80	4.98
PROVISION LOAN & LEASE LOSSES	0.56	0.30	0.34	0.43	0.76
REALIZED GAINS/LOSSES SEC	0.01	0.00	0.00	-0.01	-0.03
NET OPERATING INCOME	-0.19	0.31	0.21	0.09	-1.51
NET INCOME	-0.19	0.31	0.21	0.09	-1.51
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS	94.85	94.93	95.01	94.57	93.61
NET INT INC-TE TO AVG EARN ASSET	3.40	3.93	3.88	4.14	3.93
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN&LS	0.28	0.07	0.12	0.04	0.01
LN&LS ALLOWANCE TO TOTAL LN&LS	1.33	1.19	1.21	1.20	1.22
NON-CUR LN&LS TO GROSS LN&LS	1.41	0.51	0.66	0.18	0.04
Liquidity
NET NON CORE FUND DEPENDENCE	36.07	25.49	28.86	22.73	11.30
NET LOANS & LEASES TO ASSETS	78.27	75.15	77.36	73.28	67.66
Capitalization
TIER ONE LEVERAGE CAPITAL	10.47	12.38	11.93	14.30	19.43
TIER ONE RBC TO RISK-WGT ASSETS	12.22	14.56	14.03	17.18	24.84
TOTAL RBC TO RISK-WEIGHT ASSETS	13.33	15.61	15.10	18.23	25.87
CASH DIVIDENDS TO NET INCOME	0.35	0.05	0.22	N/A	N/A
Growth Rates
ASSETS	22.92	32.15	26.05	51.37	136.55
TIER ONE CAPITAL	3.57	11.98	7.41	14.51	17.46
NET LOANS & LEASES	27.46	38.86	33.38	63.91	381.20