Figure 3: CSB's CRE Concentration as a Percentage of Total Capital Compared to Peer Group

2004
CSB: 347.49%
Peer Group: 322.73%

2005
CSB: 373.57%
Peer Group: 332.57%

2006
CSB: 411.82%
Peer Group: 334.97%

2007
CSB: 417.96%
Peer Group: 339.8%

2008
CSB: 630.71%
Peer Group: 344.58%

Source: UBPRs for CSB.
Note: The increase in concentration in 2008 was primarily due to a substantial decrease in Citizen State Bank's capital level.