Figure 1: Comparison of FSB's ADC Concentrations to its Peer Group
Percent of Tier 1 Capital plus the ALLL
12/31/04 FSB - 359.18% Peer Group - 57.77%
12/31/05 FSB - 343.56% Peer Group - 64.85%
12/31/06 FSB - 144.82% Peer Group - 61.38%
12/31/07 FSB - 326.63% Peer Group - 107.27%
12/31/08 FSB - 409.53% Peer Group - 96.51%

Source: UBPRs for FSB.