Figure 2: ADC Loan Concentrations (Loans as a Percentage of Total Capital)

ADC Loans to Total Capital

Period Ended Dec-2005
Colonial Bank: 265%
Peer Group Average: 61%

Period Ended Dec-2006
Colonial Bank: 311%
Peer Group Average: 75%

Period Ended Dec-2007
Colonial Bank: 308%
Peer Group Average: 89%

Period Ended Dec-2008
Colonial Bank: 236%
Peer Group Average: 80%

Period Ended June-2009
Colonial Bank: 274%
Peer Group Average: 73%

Source: OIG analysis of the UBPRs for Colonial.
* The increase in the concentration level in 2009 is the result of increasing losses and declining capital levels, rather than asset growth.