Figure 1: RockBridge ADC Concentration as a Percentage of Total Capital Compared to Peer Group4

12/31/06
RockBridge: 15.44%
Peer Group: 29.76%

3/31/07
RockBridge: 42.82%
Peer Group: 42.82%

6/30/07
RockBridge: 94.41%
Peer Group: 59.93%

9/30/07
RockBridge: 134.73%
Peer Group: 71.58%

12/31/07
RockBridge: 227.32%
Peer Group: 87.21%

3/31/08
RockBridge: 247.77%
Peer Group: 98.15%

6/30/08
RockBridge: 290.98%
Peer Group: 111.2%

9/30/08
RockBridge: 296.88%
Peer Group: 116.99%

12/31/08
RockBridge: 301.54%
Peer Group: 121.03%

3/31/09
RockBridge: 295.73%
Peer Group: 117.92%

6/30/09
RockBridge: 596.96%
Peer Group: 115%

Source: UBPRs for RockBridge Commercial Bank.
Note: The increased concentration level early in 2009 was largely due to a substantial decrease in RockBridge's capital level rather than an increase in lending.