Figure 1: First Regional's ADC Concentration as a Percentage of Total Capital Compared to Peer Group, 2005 to 2009

ADC Concentration as a Percentage of Total Capital

2005
First Regional: 162.47%
Peer: 107.13%

2006
First Regional: 287.08%
Peer: 136.09%

2007
First Regional: 369.90%
Peer: 147.33%

2008
First Regional: 373.93%
Peer: 139.17%

2009
First Regional: 436.80%
Peer: 96.95%

Source: UBPRs for First Regional.
Note: The concentration level at year-end 2009 was largely due to a substantial decrease in First Regional's capital level.