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Not a penny of FDIC-insured deposits lost.

Not a penny of FDIC-insured deposits lost. Regulatory requirements have increased significantly. Dodd-Frank Act - 2319 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. .

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Not a penny of FDIC-insured deposits lost.

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  1. Not a penny of FDIC-insured deposits lost.

  2. Regulatory requirements have increasedsignificantly Dodd-Frank Act - 2319 pages Gramm Leach Bliley Act 145 pages Sarbanes Oxley Act61 pages Glass Steagall Act37 pages

  3. 44% of unemployed have been so for over six months.

  4. 3.7 million mortgages were seriously delinquent or in foreclosure at the end of 2010.

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

  6. Regulatory pressure reduces lending.

  7. Failed Banks 1989: 531 2010 through Oct. : 139 Source: FDIC

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

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

  10. We’ve made it through tough times before.

  11. Your community is our community.

  12. Talk to us.

  13. We are here to serve you.

  14. Your Bank Logo Here

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