(2) Represent loans whose terms have been modified mostly through the deferral of principal and/or a partial reduction in interest payments.

(3) Represents dividend requirements on cumulative preferred stock held by the U.S. Treasury and amortization of related preferred stock discount.

(4) Net interest margin is reported exclusive of income from loan prepayments, which is included as a component of noninterest income. Inclusive of such income, the margin would compute to 2.41%, 2.24%, 2.26%, 1.72% and 1.77%, respectively.

(5) Represents operating expenses as a percentage of net interest and dividend income plus noninterest income.

Copyright Business Wire 2010

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