Figure 3: FSB’s ADC Loan Concentration as a Percent of Total Capital Compared to Peers

Dec-2004
FSB: 48.24%
Peers: 80.62%

Dec-2005
FSB: 93.51%
Peers: 103.52%

Dec-2006
FSB: 96.98%
Peers: 117.38%

Dec-2007
FSB: 86.86%
Peers: 123.67%

Dec-2008
FSB: 196.60%
Peers: 111.19%

Jun-2009
FSB: 602.03%
Peers: 97.94%

Source: UBPRs for FSB.
Note: The increase in the ADC loan concentration ratio in 2009 resulted from a decline in FSB’s capital.