Not a penny of FDIC-insured deposits lost.

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Presentation transcript:

Not a penny of FDIC-insured deposits lost.

Regulatory requirements have increased significantly Dodd-Frank Act pages Gramm Leach Bliley Act 145 pages Sarbanes Oxley Act 61 pages Glass Steagall Act 37 pages

44% of unemployed have been so for over six months.

3.7 million mortgages were seriously delinquent or in foreclosure at the end of 2010.

Consumer Loan Demand Remains Low Recessions Source: Federal Reserve. *3-quarter moving average. Net Percentage of Banks Reporting Higher Demand*

Regulatory pressure reduces lending.

Failed Banks 1989: through Oct. : 139 Source: FDIC

Bank failure costs are declining $17.6B $0.1B $36.4B $22.1B

2Q 2010: 11.25% Banks are much more stable Equity Capital to Assets

We’ve made it through tough times before.

Your community is our community.

Talk to us.

We are here to serve you.

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