
						(dollars in 000s)
					To Be Well Capitalized
			For Capital Adequacy		Under Prompt Corrective
	Actual		Purposes		Action Provisions
	Amount	Ratio	Amount	Ratio	Amount	Ratio
As of December 31, 2011:
Total risk-based capital ratio ⁽¹⁾	$ 411,163	48.8 %	$ 67,407	8.0 %	$ 84,258	10.0 %
Tier 1 risk-based capital ratio ⁽²⁾	$ 400,438	47.5 %	N/A	N/A	$ 50,555	6.0 %
Tier 1 capital ratio (leverage) ⁽³⁾	$ 400,438	25.6 %	$ 187,642	12.0 %	$ 78,184	5.0 %
Tangible equity ratio ⁽⁴⁾	$ 400,438	25.6 %	$ 23,455	1.5 %	N/A	N/A
As of March 31, 2011:
Total risk-based capital ratio ⁽¹⁾	$ 405,000	92.5 %	$ 35,019	8.0 %	$ 43,773	10.0 %
Tier 1 risk-based capital ratio ⁽²⁾	$ 399,187	91.2 %	N/A	N/A	$ 26,264	6.0 %
Tier 1 capital ratio (leverage) ⁽³⁾	$ 399,187	22.8 %	$ 209,758	12.0 %	$ 87,399	5.0 %
Tangible equity ratio ⁽⁴⁾	$ 399,187	22.8 %	$ 26,220	1.5 %	N/A	N/A

⁽¹⁾ Total risk-based capital divided by risk-weighted assets.

⁽²⁾ Tier 1 (core) capital less deduction for low-level recourse and residual interest divided by risk-weighted assets.

⁽³⁾ Tier 1 (core) capital divided by adjusted total assets.

⁽⁴⁾ Tangible capital divided by tangible assets.