Figure Title: Figure 2: Comparison of the Bank's ADC Loans as a Percentage of Total Capital)
Description of Figure 2: The graph is a grouped bar chart with five groups (2 bars per group). On the Y-axis is Percentage range of 0% 100% 200% 300% 400% 500% 600% 700% 800%. The X-axis is Year-End-Date from Dec-03 Dec-04 Dec-05 Dec-06 Dec-07.

Group1:
[Dec 03]
Silver Falls - 193%
Peer - 16%

Group2:
[Dec 04]
Silver Falls - 166%
Peer - 58%

Group3:
[Dec 05]
Silver Falls - 419%
Peer - 66%

Group4:
[Dec 06]
Silver Falls - 495%
Peer - 61%

Group5:
[Dec 07]
Silver Falls - 690%
Peer - 108%

Source: UBPRs.