Peer Data

De Novo Banks (Year-End 2008)
	12/31/2008	12/31/2007	12/31/2006	12/31/2005	12/31/2004
Peer Group Information
TOTAL ASSETS ($MILLIONS)	18,763	15,534	12,608	9,526	4,359
EQUITY CAPITAL ($MILLIONS)	1,882	1,821	1,686	1,611	1,238
NET INCOME ($MILLIONS)	-72	33	22	-73	-122
NUMBER OF BANKS IN PEER GROUP	109	112	116	118	119
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME	0.39	0.36	0.36	0.35	0.23
NONINTEREST EXPENSE	3.31	3.55	3.80	4.98	24.53
PROVISION LOAN & LEASE LOSSES	0.79	0.34	0.43	0.76	2.11
REALIZED GAINS/LOSSES SEC	0.01	0.00	-0.01	-0.03	0.00
NET OPERATING INCOME	-0.40	0.21	0.09	-1.51	-22.92
NET INCOME	-0.40	0.21	0.09	-1.51	-22.83
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS	94.84	95.01	94.57	93.61	89.04
NET INT INC-TE TO AVG EARN ASSET	3.34	3.88	4.14	3.93	4.35
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN&LS	0.46	0.12	0.04	0.01	0.00
LN&LS ALLOWANCE TO TOTAL LN&LS	1.50	1.21	1.20	1.22	1.22
NON-CUR LN&LS TO GROSS LN&LS	2.02	0.66	0.18	0.04	0.01
Liquidity
NET NON CORE FUND DEPENDENCE	37.44	28.86	22.73	11.30	-28.29
NET LOANS & LEASES TO ASSETS	78.14	77.35	73.28	67.66	43.84
Capitalization
TIER ONE LEVERAGE CAPITAL	9.92	11.93	14.30	19.43	51.34
TIER ONE RBC TO RISK-WGT ASSETS	11.97	14.03	17.18	24.84	85.40
TOTAL RBC TO RISK-WEIGHT ASSETS	13.14	15.10	18.23	25.87	86.27
CASH DIVIDENDS TO NET INCOME	0.29	0.22	N/A	N/A	N/A
Growth Rates
ASSETS	22.26	26.05	51.37	136.55	N/A
TIER ONE CAPITAL	3.31	7.41	14.51	17.46	N/A
NET LOANS & LEASES	23.64	33.38	63.91	381.20	N/A