Peer Data

De Novo Banks (As of September 30, 2009)
	09/30/2009	09/30/2008	12/31/2008	12/31/2007	12/31/2006
Peer Group Information
TOTAL ASSETS ($MILLIONS)	24,001	22,867	23,344	18,710	15,770
EQUITY CAPITAL ($MILLIONS)	2,315	2,471	2,420	2,403	2,923
NET INCOME ($MILLIONS)	-154	-92	-160	-28	-47
NUMBER OF BANKS IN PEER GROUP	138	153	149	156	161
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME	0.29	0.28	0.27	0.31	0.31
NONINTEREST EXPENSE	3.29	3.52	3.50	4.04	5.40
PROVISION LOAN & LEASE LOSSES	1.29	0.64	1.00	0.56	0.80
REALIZED GAINS/LOSSES SEC	0.06	0.01	0.01	0.00	N/A
NET OPERATING INCOME	-1.20	-0.69	-1.08	-0.57	-1.54
NET INCOME	-1.20	-0.69	-1.08	-0.57	-1.54
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS	94.37	95.31	95.34	95.16	94.20
NET INT INC-TE TO AVG EARNING ASSET	3.12	3.32	3.24	3.89	4.30
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN & LS	1.14	0.29	0.54	0.11	0.01
LN & LS ALLOWANCE TO TOTAL LN & LS	1.91	1.38	1.58	1.28	1.23
NON-CUR LN & LS TO GROSS LN & LS	3.42	1.65	2.10	0.68	0.05
Liquidity
NET NONCORE FUND DEPENDENCE	32.98	35.66	38.65	24.45	14.20
NET LOANS & LEASES TO ASSETS	73.70	78.43	78.12	74.69	68.23
Capitalization
TIER ONE LEVERAGE CAPITAL	9.63	11.83	10.80	14.08	20.37
TIER ONE RBC TO RISK-WEIGHT ASSETS	12.14	13.52	12.69	16.75	25.41
TOTAL RBC TO RISK-WEIGHT ASSETS	13.40	14.64	13.87	17.83	26.36
CASH DIVIDENDS TO NET INCOME	0.05	N/A	N/A	0.00	N/A
Growth Rates
ASSETS	18.33	29.21	27.83	43.73	122.87
TIER ONE CAPITAL	-1.01	4.09	-0.24	6.00	2.58
NET LOANS & LEASES	10.73	40.51	34.53	60.55	426.76