not a penny of fdic-insured deposits lost

Not a penny of FDIC-insured deposits lost.

Regulatory requirements have increasedsignificantly

Dodd-Frank Act - 2319 pages

Gramm Leach Bliley Act145 pages

Sarbanes Oxley Act61 pages

Glass Steagall

Act37 pages

44% of unemployed have been so for over six

months.

3.7 million mortgages were seriously delinquent or in foreclosure at the end of 2010.

1992

1992

1992

1992

1993

1993

1993

1993

1994

1994

1994

1994

1995

1995

1995

1995

1996

1996

1996

1996

1997

1997

1997

1997

1998

1998

1998

1998

1999

1999

1999

1999

2000

2000

2000

2000

2001

2001

2001

2001

2002

2002

2002

2002

2003

2003

2003

2003

2004

2004

2004

2004

2005

2005

2005

2005

2006

2006

2006

2006

2007

2007

2007

2007

2008

2008

2008

2008

2009

2009

2009

2009

2010

2010

2010

-50

-35

-20

-5

10

25

40

Consumer Loan Demand Remains Low

Recessions

Source: Federal Reserve. *3-quarter moving average. Net Percentage of Banks Reporting Higher Demand*

Regulatory pressure reduces lending.

1934

1935

1936

1937

1938

1939

1940

1941

1942

1943

1944

1945

1946

1947

1948

1949

1950

1951

1952

1953

1954

1955

1956

1957

1958

1959

1960

1961

1962

1963

1964

1965

1966

1967

1968

1969

1970

1971

1972

1973

1974

1975

1976

1977

1978

1979

1980

1981

1982

1983

1984

1985

1986

1987

1988

1989

1990

1991

1992

1993

1994

1995

1996

1997

1998

1999

2000

2001

2002

2003

2004

2005

2006

2007

2008

2009

2010

0

100

200

300

400

500

600

Failed Banks1989:

531

2010 through Oct. : 139

Source: FDIC

2007 2008 2009 2010

Bank failure costs are declining

$17.6B

$0.1B

$36.4B

$22.1B

1984 1987 1990 1993 1996 1999 2002 2005 20084%

5%

6%

7%

8%

9%

10%

11%

12% 2Q 2010:11.25%

Banks are much more stable

Equity Capital to Assets

We’ve made it through

tough times before.

Your community

is our community.

Talk to us.

We are here to

serve you.

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