Peer Data

De Novo Banks (As of June 30, 2009)
	06/30/2009	06/30/2008	12/31/2008	12/31/2007	12/31/2006
Peer Group Information
TOTAL ASSETS ($MILLIONS)	23,137	21,711	23,346	18,710	15,770
EQUITY CAPITAL ($MILLIONS)	2,362	2,474	2,422	2,403	2,923
NET INCOME ($MILLIONS)	-71	-59	-158	-28	-47
NUMBER OF BANKS IN PEER GROUP	140	155	149	156	161
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME	0.28	0.29	0.27	0.31	0.31
NONINTEREST EXPENSE	3.23	3.59	3.50	4.04	5.40
PROVISION LOAN & LEASE LOSSES	0.88	0.57	0.99	0.56	0.80
REALIZED GAINS/LOSSES SEC	0.06	0.02	0.01	0.00	N/A
NET OPERATING INCOME	-0.83	-0.65	-1.06	-0.57	-1.54
NET INCOME	-0.83	-0.65	-1.06	-0.57	-1.54
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS	94.50	95.26	95.34	95.16	94.20
NET INT INC-TE TO AVG EARN ASSET	3.06	3.32	3.24	3.89	4.30
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN&LS	0.81	0.22	0.54	0.11	0.01
LN&LS ALLOWANCE TO TOTAL LN&LS	1.69	1.33	1.57	1.28	1.23
NON-CUR LN&LS TO GROSS LN&LS	2.79	1.54	2.10	0.68	0.05
Liquidity
NET NON CORE FUND DEPENDENCE	35.28	31.96	38.64	24.45	14.20
NET LOANS & LEASES TO ASSETS	75.38	77.26	78.13	74.69	68.23
Capitalization
TIER ONE LEVERAGE CAPITAL	10.15	12.68	10.80	14.08	20.37
TIER ONE RBC TO RISK-WGT ASSETS	12.42	14.54	12.69	16.75	25.41
TOTAL RBC TO RISK-WEIGHT ASSETS	13.61	15.64	13.87	17.83	26.36
CASH DIVIDENDS TO NET INCOME	-5.14	N/A	N/A	0.00	N/A
Growth Rates
ASSETS	21.27	32.74	27.88	43.73	122.87
TIER ONE CAPITAL	1.00	4.56	-0.09	6.00	2.58
NET LOANS & LEASES	18.55	45.65	34.61	60.55	426.76