Figure 1: ADC Loans as a Percentage of Total Capital Compared to Peer Group
Year-end Date FPB, First Piedmont Bank Peer Group
12/31/04 312.69% 57.77%
12/31/05 295.37% 64.85%
12/31/06 426.11% 107.03%
12/31/07 527.94% 107.27%
12/31/08 598.92% 96.51%

Source: UBPR for FPB, December 31, 2008.