Text representation of Figure 3 titled: Figure 3: ADC Loans as a Percentage of Total Capital

Figure Title: Figure 3: ADC Loans as a Percentage of Total Capital - Compared to Peer

Group 1 - Dec-03 Period End Date
SPB - 141.70%
Peer - 69.12%

Group 2 - Dec-04 Period End Date
SPB - 240.96%
Peer - 80.62%

Group 3 - Dec-05 Period End Date
SPB - 302.98%
Peer - 103.53%

Group 4 - Dec-06 Period End Date
SPB - 266.38%
Peer - 117.39%

Group 5 - Dec-07 Period End Date
SPB - 274.79%
Peer - 123.60%

Group 6 - Sept-08 Period End Date
SPB - 473.25%
Peer - 115.07%

Source: UBPRs for SPB.