8-K

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT
Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported) April 28, 2008

BankAtlantic Bancorp, Inc.

(Exact name of registrant as specified in its charter)

Florida	34-027228	65-0507804
(State or other jurisdiction of incorporation)	(Commission File Number)	(I.R.S. Employer Identification No.)

2100 West Cypress Creek Road Ft. Lauderdale, Florida	33309
(Address of principal executive offices)	(Zip Code)

Registrant’s telephone number, including area code 954-940-5000

Not Applicable
(Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

o Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

o Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13a-4(c))

Item 2.02. Results of Operations and Financial Condition

     The information in this item (including Exhibit 99.1 and Exhibit 99.2) is being furnished pursuant to Items 2.02 and 9.01 and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 (the “Exchange Act”) or otherwise subject to the liabilities of that section, nor shall it be deemed to be incorporated by reference in any filing under the Securities Act of 1933 or the Exchange Act. On April 28, 2008, BankAtlantic Bancorp, Inc. (the Company”) issued a press release announcing its financial results for the quarter ended March 31, 2008. The press release is attached hereto as Exhibit 99.1. In connection with the press release the Company has also made available financial tables attached hereto as Exhibit 99.2. In addition to financial results determined in accordance with generally accepted accounting principles (“GAAP”), the press release also contains financial information that uses the Company’s internal allocation measures to determine net contribution and non-interest expense allocable to new bank branches (which we refer to as stores). The Company believes that these non-GAAP operating measures supplement our GAAP financial information and provide useful measures of evaluating the Company’s operating results and any related trends that may be affecting the Company’s business. These disclosures should not be viewed as a substitute for operating results determined in accordance with GAAP, nor are they necessarily comparable to non-GAAP performance measures that may be presented by other companies.

Item 9.01 Financial Statements and Exhibits

     99.1   Press Release dated April 28, 2008

     99.2   Financial tables

Signature

     Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Date: April 28, 2008

BANKATLANTIC BANCORP, INC.
By:	/s/ Valerie C. Toalson
	Valerie C. Toalson
	Executive Vice President - - Chief Financial Officer

EX-99.1

BankAtlantic Bancorp Reports Financial Results
For the First Quarter, 2008

     FORT LAUDERDALE, Florida — April 28, 2008 —BankAtlantic Bancorp, Inc. (NYSE: BBX) today reported a net loss of ($23.4) million, or ($0.42) per diluted share for the quarter ended March 31, 2008, compared to net income of $5.7 million, or $0.09 per diluted share, for the first quarter of 2007.

     BankAtlantic Bancorp’s Chairman and Chief Executive Officer, Alan B. Levan, commented, “While no company is immune to the effects of a downward economic cycle, BankAtlantic is financially strong, well capitalized, and effectively navigating through the challenges of the current environment. As of March 31, 2008, Core, Tier I and Total Capital ratios of 6.87%, 10.04% and 11.83%, respectively, are well in excess of the regulatory ‘well capitalized’ thresholds of 5.0%, 6.0% and 10.0%. As we begin our 56^th year as one of the largest banks headquartered in Florida, we are proactively dealing with the issues of credit, expenses, growth and operations in this environment. We are encouraged by our progress in key areas, particularly in core deposit growth and expense reduction. We have taken a number of tangible steps to address current market challenges that we believe will improve our operating platform in today’s financial environment, including:

• “BankAtlantic Bancorp sold 2,135,000 shares of Stifel Financial Corp. common stock, generating approximately $82.2 million in net proceeds.

• “BankAtlantic Bancorp’s non-performing loans decreased from $178.6 million at December 31, 2007 to $157.3 million at March 31, 2008, a balance reduction of $21.3 million.

• “BankAtlantic Bancorp formed a new asset workout subsidiary, separate and distinct from BankAtlantic, to buy approximately $101.5 million of non-performing Commercial and Commercial Real Estate loans, net of specific reserves of $6.4 million, for $95.1 million in cash, from BankAtlantic.

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• “In addition to the transferred non-performing loans, BankAtlantic received approximately $30.0 million of non-performing loan repayments as a result of asset sales to third parties. In connection with an overall analysis of its assets during the quarter, BankAtlantic recorded $42.9 million in additional loan loss provisions based on an assessment of the continued deterioration of the collateral and the related markets. After the loan transfers, sales, charge-offs and additional non-accruals for the quarter, BankAtlantic’s non-performing loans at March 31, 2008 were $55.8 million, versus $178.6 million at December 31, 2007, a balance improvement of $122.8 million.

• “BankAtlantic Bancorp filed a Form S-3 Shelf Registration Statement with the SEC and is seeking shareholder approval of an increase to our authorized shares of Class A common stock at our annual meeting in May.

• “As previously announced, BankAtlantic reached an agreement to sell its five stores in the Orlando market, with closing expected in June 2008. Further, as discussed in more detail below, BankAtlantic made significant progress this quarter in implementing its expense reduction initiatives, and achieved positive growth in core deposits, including a 4.7% growth in core deposits (core deposits include DDA, NOW and savings accounts), and a 15.9% reduction in non-interest expense compared to the fourth quarter of 2007.”

BankAtlantic Highlights

     Net Income — BankAtlantic’s Chief Executive Officer, Jarett S. Levan, commented, “Pre-tax bank earnings before the impact of loan loss provisions were $14.9 million in the first quarter of 2008 versus $8.3 million in the comparable quarter of 2007 and $2.0 million in the fourth quarter of 2007, representing a $6.6 million and $12.9 million improvement, respectively, primarily associated with reduced non-interest expenses, reflecting management’s efforts to improve profitability in the core business notwithstanding the uncertainties of the current economic downturn. (The first quarter results do not reflect the potential future benefit of the $95.1 million of cash proceeds received by the Bank in exchange for the transfer of non-performing loans to the workout subsidiary on March 31, 2008.)

     Credit — “For the first quarter, the Bank experienced charge-offs of $47.2 million, including charge-offs associated with thirteen Commercial Real Estate loans totaling $40.6 million, Consumer loans of $4.8 million and Small Business loans of $1.2 million. Of the Commercial Real Estate charge-offs set forth above, $15.9 million was specifically reserved at December 31, 2007, $16.5 million was attributable to asset sales in the quarter, with the remainder reflective of additional declines in valuation in the quarter. The ratio of non-performing loans to total loans was 1.25% at March 31, 2008, compared with 3.87% at December 31, 2007. The ratio of non-performing assets to total loans plus other assets was 1.67% at March 31, 2008, compared with 4.10% at December 31, 2007.

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     “The provision for loan loss in the first quarter of 2008 was $42.9 million or 3.70% of average loans. The allowance for loan losses was $83.4 million (1.86% of total loans) and the allowance to non-accrual loans was 149.48% at March 31, 2008. At December 31, 2007, the allowance for loan losses was $94.0 million (2.04% of total loans) and the allowance to non-accrual loans was 52.65%. Characteristics of the Bank’s Commercial Real Estate, Purchased Residential and Consumer loan portfolios are detailed below. (Additional credit information is presented in the supplementary financial tables provided in this release.)

     Commercial Real Estate Loans — “The Bank’s Commercial Real Estate loan portfolio at March 31, 2008 totaled $1.2 billion, including the following loan categories which we believe have the most exposure to declines in the real estate market:

     “Builder land bank loans: This category of 7 loans aggregates $79.2 million; two of the loans, totaling $31.6 million, are on non-accrual.

     “Land acquisition and development loans: This category of 27 loans aggregates $175.3 million; one loan, totaling $3.8 million, is on non-accrual.

     “Land acquisition, development and construction loans: This category of 19 loans aggregates $91.2 million; none of these are on non-accrual.

     “As indicated above, three Commercial Real Estate loans totaling $35.4 million were on non-accrual at March 31, 2008. We continue to closely monitor these loans; however, absent an improvement in the real estate market in Florida, additional provisions relating to this portfolio may be required in the future.

     Purchased Residential Loans — “Our Purchased Residential loan portfolio was $2.1 billion at quarter-end, representing approximately 45.2% of the Bank’s total loans. As we have previously announced, this portfolio does not include subprime or negative amortizing loans and is geographically diverse. The weighted average FICO score of borrowers in this portfolio was 743 at the time of origination, the weighted average loan-to-value of the loans in this portfolio at the time of origination was 68.0%, and the original back end debt ratio was a weighted average of 33.2%. As of March 31, 2008, the average time to payment reset was 64.3 months.

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Quarter-end delinquencies, including non-accrual loans, were $24.9 million or 1.20% of the unpaid principal balance, versus 0.77% in the fourth quarter of 2007. Non-accrual balances in this portfolio increased to $13.2 million at March 31, 2008 from $6.9 million at December 31, 2007. Based on more recently obtained property values, the weighted average loan-to-value of non-accrual loan balances on March 31, 2008 was 80.3%. While the charge-offs in this portfolio increased somewhat during the quarter, our loss history in this portfolio over the past twelve months remains very low at $0.9 million, or 0.04% of the average outstanding balances. While we anticipate that we will experience some level of elevated delinquencies and non-accruals in this portfolio as the national housing market remains weak, we continue to have confidence in the overall performance of this portfolio based on the inherent characteristics of these loans.

     Consumer Loans — “Our Consumer loan portfolio had outstandings of $723.9 million at quarter-end, with home equity loans representing approximately 96.7% of this portfolio. Approximately 20% of this portfolio is secured by first mortgages. The loans in this portfolio have a weighted average loan-to-value, inclusive of first mortgages, of approximately 74.4%, and a weighted average Beacon score of approximately 737. Total delinquencies in this portfolio, including non-accruals, at March 31, 2008 were 1.76% versus 1.48% at December 31, 2007. During the quarter, non-accrual balances in this portfolio increased to $4.4 million at March 31, 2008 from $3.2 million at December 31, 2007. Charge-offs in this portfolio for the first quarter of 2008 were $4.8 million versus $4.1 million in the fourth quarter of 2007. We anticipate continued elevated levels of delinquencies and charge-offs in this portfolio until the Florida housing market begins to stabilize.

     Store Expansion Program — “We previously announced that we have slowed the pace of our new store growth for 2008. We opened a total of 35 new stores since January 1, 2005, which as of March 31, 2008 had balances of $274.2 million in core deposits and $412.0 million in total deposits. For the first quarter of 2008, the new stores generated net growth of $49.6 million in core deposits, $53.7 million of total deposits, and over 23,000 new core deposit accounts. As of quarter-end, we had a total of 105 stores throughout Florida.

     Deposit Accounts and Balances — “At quarter-end, total Bank core deposit balances increased 4.7% over the fourth quarter of 2007, representing a net increase at the Bank of $107.7 million in core deposits and $42.2 million in total deposits. In the first quarter of 2008, BankAtlantic opened over 62,000 new core deposit accounts, an increase of 8.8% over the fourth quarter of 2007.

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     Net Interest Margin — “Net interest income for the first quarter of 2008 was $48.0 million compared to $47.3 million in the fourth quarter of 2007 and $52.1 million in the corresponding 2007 quarter. The tax equivalent net interest margin was 3.37% in the first quarter of 2008, compared to 3.41% in the fourth quarter of 2007 and 3.78% in the corresponding quarter of 2007, primarily due to the impact of non-performing assets. The impact in the first quarter of 2008 of non-performing assets on the Bank’s margin was approximately 27 basis points, or $3.8 million. Average earning assets remained relatively flat compared to both the first and fourth quarters of 2007.

     Non-interest income — “Non-interest income for the first quarter of 2008 was $35.6 million, a 1.4% increase over the comparable 2007 period.

     Non-interest expense — “Excluding restructuring charges of $2.6 million in the first quarter of 2007 and recoveries of ($115,000) in the first quarter of 2008, non-interest expense during the first quarter of 2008 was $68.7 million, a decline of $7.5 million or 9.8% from the comparable 2007 quarter. Excluding restructuring charges of $5.7 million in the fourth quarter of 2007 and recoveries of ($115,000) in the first quarter of 2008, non-interest expense during the first quarter of 2008 decreased $7.2 million or 9.4% from the fourth quarter of 2007. These expense reductions were achieved despite absorbing approximately $1.3 million in incremental direct expense, year-over-year, related to our store expansion program.

     Capital — “At March 31, 2008, BankAtlantic’s Core, Tier I and Total Capital ratios were 6.87%, 10.04% and 11.83%, respectively, exceeding the regulatory well capitalized thresholds of 5.0%, 6.0% and 10.0%. At December 31, 2007, BankAtlantic’s ratios were 6.94%, 9.85%, and 11.63%; and the March 31, 2007 ratios were 7.51%, 10.49% and 12.11%, respectively. During the first quarter of 2008, BankAtlantic Bancorp added $20.0 million in capital to BankAtlantic which more than offset the impact of the bank’s quarterly loss, further strengthening the Bank’s already well capitalized base,” concluded Jarett S. Levan.

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BankAtlantic Bancorp:

     Stifel Investment — BankAtlantic Bancorp’s Chairman and CEO, Alan B. Levan, further commented, “We continue to hold 279,022 shares of Stifel Financial Corp. common stock, as well as warrants to purchase 481,724 shares of Stifel Financial Corp. common stock at an exercise price of $36.00 per share. BankAtlantic Bancorp recorded a $4.7 million loss associated with the sale of Stifel Financial Corp. common stock and a $1.9 million loss associated with the change in value of the warrants in the first quarter of 2008, versus the $2.7 million loss recorded in the fourth quarter of 2007.

     Discontinued Operations — Ryan Beck Holdings, Inc. — “Discontinued operations for the quarter reflected a $1.7 million gain related to an investment banking contingent earn-out payment received based on the first year’s performance following the sale of Ryan Beck. The amount was payable in common stock pursuant to the terms of the Ryan Beck agreement. The investment banking contingent payment is based on defined revenues attributable to specified individuals for each of the two years following closing. A second potential earn out payment, the private client contingent payment, is based upon defined revenues attributable to specified individuals over a two-year period. There is no assurance any additional amounts will be payable under the contingent earn out provisions of the agreement.

     Asset Workout Subsidiary — “As previously announced, during the quarter, BankAtlantic Bancorp formed a wholly-owned asset workout subsidiary. Although the assets are no longer within BankAtlantic, the assets and results of the workout subsidiary will continue to be included in BankAtlantic Bancorp’s consolidated financial statements.

     “BankAtlantic transferred to the workout subsidiary approximately $101.5 million of non-accrual loans and $6.4 million in specific loan reserves on March 31, 2008. These loans were transferred at their outstanding balances, after the impact of any charge-offs or specific reserves reflected by BankAtlantic during the quarter. The transferred loans were as follows:

     “Builder land bank loans: Four loans aggregating $32.0 million.

     “Land acquisition and development loans: Four loans aggregating $19.8 million.

     “Land acquisition, development and construction loans: Nine loans aggregating $34.9 million.

     “Other Commercial real estate loans: Four loans aggregating $8.3 million.

     “Commercial business loans: Four loans aggregating $6.2 million.

     “BankAtlantic is currently servicing these assets consistent with previous practices under a service arrangement with BankAtlantic Bancorp. Consideration is also being given by BankAtlantic Bancorp to a possible joint venture or sale of its interests in the workout subsidiary in the future. However, there is no assurance this will occur.

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     Cash Dividend — “BankAtlantic Bancorp’s Board of Directors declared a cash dividend of $0.005 per share to all shareholders of record of its Class A and Class B Common Stock at the close of trading on April 4^th, 2008. The fourth quarter’s dividend declaration marked BankAtlantic Bancorp’s 59^th consecutive quarterly dividend payment,” concluded Alan B. Levan.

Financial Highlights:

First Quarter, 2008 Compared to First Quarter, 2007

BankAtlantic Bancorp — consolidated:

• (Loss) from continuing operations of ($24.6) million versus (loss) of ($2.2) million

• Diluted (loss) earnings per share from continuing operations of ($0.44) versus ($0.04)

• Book value per share was $7.73 versus $8.61

BankAtlantic:

• Income before provision for loan losses and income taxes was $14.9 million versus $8.3 million

• Core, Tier I and Total Capital ratios were 6.87%, 10.04% and 11.83% versus 7.51%, 10.49% and 12.11%, respectively

• Business segment (loss) income was ($17.0) million versus $639,000

• Tax equivalent net interest margin decreased to 3.37% versus 3.78%

• Non-interest income was $35.6 million versus $35.0 million, an increase of 1.44%

• Non-interest expense was $68.6 million versus $78.8 million, a decrease of 12.9%; before the restructuring and exit activities of ($115,000) in 2008 and $2.6 million in 2007, respectively, non-interest expense was $68.7 million versus $76.2 million in 2007, a decrease of 9.81%

BankAtlantic Bancorp plans to host an investor and media teleconference call and webcast on Tuesday, April 29, 2008 at 11:00 a.m. (Eastern Time).

Teleconference Call Information:

     To access the teleconference call in the U.S. and Canada, the toll free number to call is 1-800-968-8156. International calls may be placed to 706-634-5752. Domestic and international callers may reference PIN number 43689235.

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     A replay of the conference call will be available beginning two hours after the call’s completion through 5:00 p.m. Eastern Time, Tuesday, May 13, 2008. To access the replay option in the U.S. and Canada, the toll free number to call is 1-800-642-1687. International calls for the replay may be placed at 706-645-9291. The replay digital PIN number for both domestic and international calls is 43689235.

Webcast Information:

     Alternatively, individuals may listen to the live and/or archived webcast of the teleconference call. To listen to the webcast, visit www.BankAtlanticBancorp.com, access the “Investor Relations” section and click on the “Webcast” navigation link, or go directly to http://www.visualwebcaster.com/event.asp?id=47441. The archive of the teleconference call will be available through 5:00 p.m. Eastern Time, Tuesday, May 13, 2008.

     BankAtlantic Bancorp’s first quarter, 2008 earnings results press release and financial summary, as well as the Supplemental Financials (a detailed summary of significant financial events and extensive business segment financial data), will be available on its website at: www.BankAtlanticBancorp.com.

• To view the financial summary, access the “Investor Relations” section and click on the “Quarterly Financials” navigation link.

• To view the Supplemental Financials, access the “Investor Relations” section and click on the “Supplemental Financials” navigation link.

     Copies of BankAtlantic Bancorp’s first quarter, 2008 earnings results press release and financial summary, and the Supplemental Financials will also be made available upon request via fax, email, or postal service mail. To request a copy, contact BankAtlantic Bancorp’s Investor Relations department using the contact information listed below.

About BankAtlantic Bancorp:
BankAtlantic Bancorp (NYSE: BBX) is a financial services holding company and the parent company of BankAtlantic.

About BankAtlantic:
BankAtlantic, “Florida’s Most Convenient Bank”, with $6 billion in assets and more than 100 stores is one of the largest financial institutions headquartered in Florida. BankAtlantic provides a full line of products and services encompassing consumer and commercial banking. BankAtlantic is open 7 days a week and offers holiday hours, extended weekday hours, Totally Free Online Banking & Bill Pay, a 7-Day Customer Service Center, Totally Free Change Exchange coin counters and free retail and business checking with a free gift. BankAtlantic has been serving communities throughout Florida since 1952 and currently operates more than 250 conveniently located ATMs. The bank has supported thousands of charitable, civic and professional organizations since the inception of the BankAtlantic Foundation in 1994.

For further information, please visit our websites:
www.BankAtlanticBancorp.com
www.BankAtlantic.com

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* To receive future BankAtlantic Bancorp news releases or announcements directly via Email, please click on the Email Broadcast Sign Up button on our website: www.BankAtlanticBancorp.com.

BankAtlantic Bancorp Contact Info:
Donna Rouzeau,
Assistant Vice President, Investor Relations & Corporate Communications
Email: CorpComm@BankAtlanticBancorp.com
Leo Hinkley,
Senior Vice President, Investor Relations Officer
Email: InvestorRelations@BankAtlanticBancorp.com

Phone: (954) 940-5300, Fax: (954) 940-5320
Mailing Address: BankAtlantic Bancorp, Investor Relations
2100 West Cypress Creek Road, Fort Lauderdale, FL 33309

BankAtlantic, “Florida’s Most Convenient Bank,” Contact Info:
Public Relations:
Hattie Hess, Vice President, Public Relations
Telephone: 954-940-6383, Fax: 954-940-6310
Email: hhess@BankAtlantic.com

Public Relations for BankAtlantic:
Boardroom Communications
Caren Berg
Phone: 954-370-8999, Fax: 954-370-8892
Email: caren@boardroompr.com

* To receive future BankAtlantic Bancorp news releases or announcements directly via Email, please click on the Email Broadcast Sign Up button on our website: www.BankAtlanticBancorp.com.

# # #

Except for historical information contained herein, the matters discussed in this press release contain forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended (the “Securities Act”), and Section 21E of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), that involve substantial risks and uncertainties. When used in this press release and in any documents incorporated by reference herein, the words “anticipate,” “believe,” “estimate,” “may,” “intend,” “expect” and similar expressions identify certain of such forward-looking statements. Actual results, performance, or achievements could differ materially from those contemplated, expressed, or implied by the forward-looking statements contained herein. These forward-looking statements are based largely on the expectations of BankAtlantic Bancorp, Inc. (“the Company”) and are subject to a number of risks and uncertainties that are subject to change based on factors which are, in many instances, beyond the Company’s control. These include, but are not limited to, risks and uncertainties associated with: the impact of economic, competitive and other factors affecting the Company and its operations, markets, products and services; credit risks and loan losses, and the related sufficiency of the allowance for loan losses, including the impact on the credit quality of our loans, of a sustained downturn in the real estate

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market and other changes in the real estate markets in our trade area, and where our collateral is located; the quality of our residential land acquisition and development loans (including “Builder land bank loans”) and conditions specifically in that market sector; the risks of additional charge-offs, impairments and required increases in our allowance for loan losses; the asset workout subsidiary’s ability to successfully manage the process of debt resolution, if at all, or producing results which do not justify their costs; and the successful completion of a sale or joint venture of its interests in the subsidiary in the future, and the risk that no gain will be realized; changes in interest rates and the effects of, and changes in, trade, monetary and fiscal policies and laws including their impact on the bank’s net interest margin; adverse conditions in the stock market, the public debt market and other capital markets and the impact of such conditions on our activities; the value of our assets and on the ability of our borrowers to service their debt obligations; BankAtlantic’s seven-day banking initiatives and other growth, marketing or advertising initiatives not resulting in continued growth of core deposits or producing results which do not justify their costs; the success of our expense discipline initiative and the ability to achieve additional cost savings; the success of BankAtlantic’s new store expansion program, and achieving growth and profitability at the stores in the time frames anticipated, if at all; and the impact of periodic testing of goodwill, deferred tax assets and other intangible assets for impairment. Past performance, actual or estimated new account openings and growth may not be indicative of future results. Additionally, we acquired a significant investment in Stifel Financial Corp. (“Stifel”) equity securities in connection with the Ryan Beck Holdings, Inc. sale subjecting us to the risk of the value of Stifel shares and warrants received varying over time, and the risk that no gain will be realized. The earn-out amounts payable under the agreement with Stifel are contingent upon the performance of individuals and divisions of Ryan Beck Holdings, Inc. which are now under the exclusive control and direction of Stifel, and there is no assurance that we will be entitled to receive any earn-out payments. In addition to the risks and factors identified above, reference is also made to other risks and factors detailed in reports filed by the Company with the Securities and Exchange Commission. The Company cautions that the foregoing factors are not exclusive.

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EX-99.2

BankAtlantic Bancorp, Inc. and Subsidiaries
Summary of Selected Financial Data (unaudited)

			For the Three Months Ended
			3/31/2008		12/31/2007		9/30/2007		6/30/2007	3/31/2007
Earnings (in thousands):
Net (loss) income from continuing operations		$	(24,564	)	(9,926	)	(29,610	)	11,728	(2,204	)
Net (loss) income		$	(23,443	)	(9,926	)	(29,610	)	11,620	5,716
Average Common Shares Outstanding (in thousands):
Basic			56,097		56,054		56,832		59,190	60,635
Diluted			56,097		56,054		56,832		59,929	60,635
Key Performance Ratios
Basic (loss) earnings per share from continuing operations		$	(0.44	)	(0.18	)	(0.52	)	0.20	(0.04	)
Diluted (loss) earnings per share from continuing operations		$	(0.44	)	(0.18	)	(0.52	)	0.20	(0.04	)
Basic (loss) earnings per share		$	(0.42	)	(0.18	)	(0.52	)	0.20	0.09
Diluted (loss) earnings per share		$	(0.42	)	(0.18	)	(0.52	)	0.19	0.09
Return on average tangible assets from continuing operations	(note 1)	%	(1.57	)	(0.63	)	(1.85	)	0.74	(0.14	)
Return on average tangible equity from continuing operations	(note 1)	%	(25.73	)	(9.96	)	(27.45	)	10.47	(1.96	)
Average Balance Sheet Data (in millions):
Assets		$	6,350		6,354		6,479		6,407	6,439
Tangible assets	(note 1)	$	6,274		6,278		6,402		6,330	6,358
Loans		$	4,642		4,654		4,693		4,678	4,651
Investments		$	1,191		1,172		1,244		1,194	1,142
Deposits and escrows		$	3,949		3,960		3,984		4,048	3,902
Stockholders’ equity		$	459		471		506		525	529
Tangible stockholders’ equity	(note 1)	$	382		399		431		448	450

Note:

(1) Average tangible assets is defined as average total assets less average goodwill and core deposit intangibles. Average tangible equity is defined as average total stockholders’ equity less average goodwill, core deposit intangibles and other comprehensive income.

BankAtlantic Bancorp, Inc. and Subsidiaries
Consolidated Statements of Financial Condition (unaudited)

	March 31,		December 31,
(in thousands, except share data)	2008		2007
ASSETS
Cash and cash equivalents	$	310,475		124,574
Securities available for sale (at fair value)		807,445		925,363
Investment securities (approximate fair value: $3,148 and $44,688)		3,184		39,617
Financial instruments accounted for at fair value		8,805		10,661
Tax certificates net of allowance of $3,194 and $3,289		159,474		188,401
Loans receivable, net of allowance for loan losses of $89,836 and $94,020		4,483,305		4,524,188
Federal Home Loan Bank stock, at cost which approximates fair value		77,557		74,003
Real estate held for development and sale		33,743		33,741
Real estate owned		19,784		17,216
Office properties and equipment, net		241,827		243,863
Goodwill and other intangible assets		75,536		75,886
Other assets		169,555		121,304
Total assets	$	6,390,690		6,378,817
LIABILITIES AND STOCKHOLDERS’ EQUITY
Liabilities:
Deposits
Demand	$	912,862		824,211
NOW		928,275		900,233
Savings		571,456		580,497
Money market		618,045		624,390
Certificates of deposit		964,976		1,024,074
Total deposits		3,995,614		3,953,405
Advances from FHLB		1,477,040		1,397,044
Securities sold under agreements to repurchase		50,546		58,265
Federal funds purchased and other short term borrowings		46,486		108,975
Subordinated debentures and bonds payable		26,467		26,654
Junior subordinated debentures		294,195		294,195
Other liabilities		66,446		80,958
Total liabilities		5,956,794		5,919,496
Stockholders’ equity:
Common stock		561		561
Additional paid-in capital		217,868		216,692
Retained earnings		212,425		236,150
Total stockholders’ equity before accumulated other comprehensive income		430,854		453,403
Accumulated other comprehensive income		3,042		5,918
Total stockholders’ equity		433,896		459,321
Total liabilities and stockholders’ equity	$	6,390,690		6,378,817

BankAtlantic Bancorp, Inc. and Subsidiaries
Consolidated Statements of Operations (unaudited)

	For the Three Months Ended
(in thousands)	3/31/2008			12/31/2007			9/30/2007			6/30/2007			3/31/2007
INTEREST INCOME:
Interest and fees on loans	$	68,136			74,415			80,082			79,914			79,587
Interest on securities available for sale		10,462			8,075			4,835			4,628			4,561
Interest on tax exempt securities		42			1,266			3,838			3,800			3,796
Interest and dividends on taxable investments and tax certificates		5,092			5,666			6,141			5,433			5,596
Total interest income		83,732			89,422			94,896			93,775			93,540
INTEREST EXPENSE:
Interest on deposits		18,593			21,443			22,558			21,473			19,002
Interest on advances from FHLB		14,946			17,443			18,987			18,103			18,723
Interest on short-term borrowed funds		1,279			2,068			2,940			2,010			2,555
Interest on long-term debt		6,283			6,650			6,652			6,136			6,114
Total interest expense		41,101			47,604			51,137			47,722			46,394
NET INTEREST INCOME		42,631			41,818			43,759			46,053			47,146
Provision for loan losses		42,888			9,515			48,949			4,917			7,461
NET INTEREST INCOME AFTER PROVISION		(257	)		32,303			(5,190	)		41,136			39,685
NON-INTEREST INCOME:
Service charges on deposits		24,014			26,342			25,894			25,808			24,595
Other service charges and fees		7,433			7,171			7,222			7,524			7,033
Securities activities, net		(4,738	)		(3,163	)		1,207			8,813			1,555
Gain on sales of loans		76			68			88			138			200
Income from unconsolidated subsidiaries		1,275			337			348			669			1,146
Loss on the sale of office properties and equipment, net		(61	)		(564	)		(362	)		(42	)		(153	)
Other		2,640			2,254			2,225			2,574			2,376
Total non-interest income		30,639			32,445			36,622			45,484			36,752
NON-INTEREST EXPENSE:
Employee compensation and benefits		35,155			37,922			34,258			37,908			41,090
Occupancy and equipment		16,386			17,026			16,954			15,927			15,944
Advertising and business promotion		4,895			5,659			4,276			4,209			5,858
Professional fees		2,760			3,067			2,542			1,368			1,713
Check losses		2,718			3,547			3,341			2,731			1,857
Supplies and postage		1,006			1,502			1,159			1,632			1,853
Telecommunication		1,502			1,348			1,286			1,556			1,381
Impairment of real estate held for sale		—			—			3,655			1,056			—
Impairment of real estate owned		—			—			7,233			66			—
Restructuring charges		(115	)		5,681			117			—			2,553
Other		5,726			6,720			6,858			6,724			7,244
Total non-interest expense		70,033			82,472			81,679			73,177			79,493
(Loss) income from continuing operations before income taxes		(39,651	)		(17,724	)		(50,247	)		13,443			(3,056	)
(Benefit) provision for income taxes		(15,087	)		(7,798	)		(20,637	)		1,715			(852	)
(Loss) income from continuing operations		(24,564	)		(9,926	)		(29,610	)		11,728			(2,204	)
Discontinued operations		1,121			—			—			(108	)		7,920
Net (loss) income	$	(23,443	)		(9,926	)		(29,610	)		11,620			5,716

BankAtlantic Bancorp, Inc. and Subsidiaries
Consolidated Average Balance Sheet (unaudited)

		For the Three Months Ended
(in thousands except percentages and per share data)		3/31/2008			12/31/2007			9/30/2007			6/30/2007			3/31/2007
Loans:
Residential real estate		$	2,162,421			2,196,552			2,245,138			2,215,606			2,181,478
Commercial real estate			1,307,236			1,317,578			1,346,842			1,384,405			1,420,944
Consumer			722,327			697,764			662,320			635,370			606,472
Commercial business			131,770			132,677			134,390			147,026			156,237
Small business			318,588			309,322			304,388			295,483			285,387
Total Loans			4,642,342			4,653,893			4,693,078			4,677,890			4,650,518
Investments — taxable			1,186,441			1,036,382			841,486			795,156			743,936
Investments — tax exempt			4,314			135,961			402,482			399,160			398,388
Total interest earning assets			5,833,097			5,826,236			5,937,046			5,872,206			5,792,842
Goodwill and core deposit intangibles			75,718			76,068			76,419			76,784			81,124
Discontinued assets held for sale			—			—			—			—			118,319
Other non-interest earning assets			440,961			451,397			465,427			457,817			446,785
Total assets		$	6,349,776			6,353,701			6,478,892			6,406,807			6,439,070
Tangible assets	(note 1)	$	6,274,058			6,277,633			6,402,473			6,330,023			6,357,946
Deposits:
Demand deposits		$	854,534			885,006			922,293			989,259			989,293
Savings			566,448			589,966			611,862			605,939			529,435
NOW			926,381			830,898			792,462			782,018			771,017
Money market			609,062			638,041			660,925			677,545			650,383
Certificates of deposit			992,078			1,015,940			996,415			993,458			961,716
Total deposits			3,948,503			3,959,851			3,983,957			4,048,219			3,901,844
Short-term borrowed funds			163,124			182,134			225,034			151,656			197,683
FHLB advances			1,423,746			1,368,242			1,398,245			1,344,855			1,405,279
Long-term debt			320,650			321,885			318,762			293,489			292,899
Total borrowings			1,907,520			1,872,261			1,942,041			1,790,000			1,895,861
Discontinued liabilities held for sale			—			—			—			—			61,202
Other liabilities			34,673			50,554			46,805			43,465			50,722
Total liabilities			5,890,696			5,882,666			5,972,803			5,881,684			5,909,629
Stockholders’ equity			459,080			471,035			506,089			525,123			529,441
Total liabilities and stockholders’ equity		$	6,349,776			6,353,701			6,478,892			6,406,807			6,439,070
Other comprehensive (loss) income in stockholders’ equity			1,496			(3,562	)		(1,765	)		377			(2,142	)
Tangible stockholders’ equity	(note 1)	$	381,866			398,529			431,435			447,962			450,459
Net Interest Margin			2.91	%		2.95	%		3.11	%		3.27	%		3.35	%
Period End
Total loans, net		$	4,483,305			4,524,188			4,586,625			4,618,690			4,622,784
Total assets			6,390,690			6,378,817			6,485,593			6,495,047			6,380,176
Total stockholders’ equity			433,896			459,321			471,889			512,724			514,977
Class A common shares outstanding			51,228,719			51,196,175			51,168,201			53,212,871			54,956,368
Class B common shares outstanding			4,876,124			4,876,124			4,876,124			4,876,124			4,876,124
Cash dividends			280,524			281,130			2,315,458			2,386,145			2,458,490
Common stock cash dividends per share			0.005			0.005			0.0412			0.0410			0.0410
Closing stock price			3.91			4.10			8.67			8.61			10.96
High stock price for the quarter			5.80			9.60			9.25			11.25			13.98
Low stock price for the quarter			3.32			2.89			7.50			8.38			10.87
Book value per share			7.73			8.19			8.42			8.83			8.61

Bank Operations Business Segment
Condensed Statements of Operations (Unaudited)

	For the Three Months Ended
(in thousands)	3/31/2008			12/31/2007			9/30/2007			6/30/2007			3/31/2007
Net interest income	$	48,005			47,291			49,235			50,914			52,070
Provision for loan losses		42,888			9,515			48,949			4,917			7,461
Net interest income after provision for
loan losses		5,117			37,776			286			45,997			44,609
Non-interest income
Service charges on deposits		24,014			26,342			25,894			25,808			24,595
Other service charges and fees		7,433			7,171			7,222			7,524			7,033
Securities activities, net		341			861			613			212			621
Gain on sales of loans		76			68			88			138			200
Income from unconsolidated subsidiaries		1,113			163			182			509			365
Loss on the sale of office properties, net		(61	)		(564	)		(362	)		(42	)		(153	)
Other non-interest income		2,637			2,249			2,224			2,535			2,386
Total non-interest income		35,553			36,290			35,861			36,684			35,047
Non-interest expense
Employee compensation and benefits		34,243			37,221			34,244			36,628			40,664
Occupancy and equipment		16,383			17,023			16,951			15,923			15,942
Advertising and business promotion		4,861			5,596			4,221			4,079			5,788
Professional fees		2,260			2,969			2,444			1,233			1,620
Check losses		2,718			3,547			3,341			2,731			1,857
Supplies and postage		1,003			1,441			1,158			1,629			1,850
Telecommunication		1,496			1,342			1,283			1,548			1,379
Impairment of real estate held for sale		—			—			3,655			1,056			—
Impairment of real estate owned		—			—			7,233			66			—
Restructuring and exit activities		(115	)		5,681			117			—			2,553
Other		5,777			6,761			6,848			6,629			7,117
Total non-interest expense		68,626			81,581			81,495			71,522			78,770
(Loss) income from bank operations business segment before income taxes		(27,956	)		(7,515	)		(45,348	)		11,159			886
(Benefit) provision for income taxes		(10,975	)		(4,143	)		(18,236	)		754			247
Net (loss) income from bank operations business segment	$	(16,981	)		(3,372	)		(27,112	)		10,405			639

Bank Operations Business Segment
Condensed Statements of Condition and Statistics (Unaudited)

(in thousands except percentages	For the Three Months Ended
and per share data)	3/31/2008			12/31/2007			9/30/2007			6/30/2007			3/31/2007
Statistics:
Tax equivalent:
Average earning assets	$	5,669,461			5,653,913			5,750,192			5,690,488			5,666,507
Average interest bearing liabilities	$	4,712,913			4,656,897			4,718,381			4,590,419			4,551,448
Average tangible assets	$	6,085,957			6,080,693			6,194,549			6,127,470			6,092,568
Average tangible equity	$	467,952			481,495			507,963			504,091			502,827
Borrowings to deposits and borrowings	%	28.74			28.74			29.89			28.74			26.39
Tax equivalent:
Yield on earning assets	%	5.88			6.33			6.71			6.70			6.71
Cost of interest-bearing liabilities	%	3.02			3.54			3.80			3.70			3.65
Interest spread	%	2.86			2.79			2.91			3.00			3.06
Net interest margin	%	3.37			3.41			3.59			3.72			3.78
Performance:
Efficiency ratio	%	82.13			97.61			95.77			81.65			90.42
Return on average tangible assets	%	(1.12	)		(0.22	)		(1.75	)		0.68			0.04
Return on average tangible equity	%	(14.52	)		(2.80	)		(21.35	)		8.26			0.51
Earning assets repricing:
Percent of earning assets that have fixed rates	%	53			54			54			54			54
Percent of earning assets that have variable rates	%	47			46			46			46			46
One year Gap	%	3			(3	)		(9	)		(7	)		(3	)

Bank Operations Business Segment
Condensed Statements of Financial Condition (Unaudited)

	As of
(in thousands)	3/31/2008		12/31/2007		9/30/2007		6/30/2007		3/31/2007
ASSETS
Loans receivable, net	$	4,388,334		4,524,188		4,586,625		4,618,690		4,622,784
Investment securities		237,031		262,404		482,666		507,593		424,487
Available for sale securities		790,570		789,917		570,624		563,318		556,404
Goodwill		70,489		70,489		70,489		70,489		70,489
Core deposit intangible asset		5,047		5,397		5,747		6,097		6,447
Other assets		720,485		509,567		557,951		505,874		495,098
Total assets	$	6,211,956		6,161,962		6,274,102		6,272,061		6,175,709
LIABILITIES AND STOCKHOLDER’S EQUITY
Deposits
Demand	$	912,862		824,211		896,094		971,260		1,031,628
NOW		928,275		900,233		801,289		769,994		799,300
Savings		571,456		580,497		613,010		608,791		598,579
Money market		618,045		624,390		656,218		666,820		653,231
Certificates of deposit		964,976		1,024,074		1,002,197		1,000,278		1,002,284
Total deposits		3,995,614		3,953,405		3,968,808		4,017,143		4,085,022
Advances from Federal Home Loan Bank		1,477,040		1,397,044		1,417,047		1,397,051		1,297,055
Short term borrowings		108,009		170,433		245,895		193,937		137,914
Long term debt		26,467		26,654		29,125		29,397		29,654
Other liabilities		65,351		79,147		74,539		67,747		63,108
Total liabilities		5,672,481		5,626,683		5,735,414		5,705,275		5,612,753
Stockholder’s equity		539,475		535,279		538,688		566,786		562,956
Total liabilities and stockholder’s equity	$	6,211,956		6,161,962		6,274,102		6,272,061		6,175,709

Bank Operations Business Segment
Average Balance Sheet — Yield / Rate Analysis

	For the Three Months Ended
	March 31, 2008							March 31, 2007
(in thousands)	Average		Revenue/		Yield/			Average		Revenue/			Yield/
	Balance		Expense		Rate			Balance		Expense			Rate
Loans:
Residential real estate	$	2,162,421		29,653		5.49	%	$	2,181,478		29,511			5.41	%
Commercial real estate		1,302,735		19,514		5.99			1,420,944		29,493			8.30
Consumer		722,327		10,552		5.84			606,472		11,365			7.50
Commercial business		131,676		2,542		7.72			156,238		3,490			8.94
Small business		318,588		5,875		7.38			285,387		5,728			8.03
Total loans		4,637,747		68,136		5.88			4,650,519		79,587			6.85
Investments — tax exempt		—		—		—			396,374		5,802	(1)		5.85
Investments — taxable		1,031,714		15,222		5.90			619,614		9,696			6.26
Total interest earning assets		5,669,461		83,358		5.88	%		5,666,507		95,085			6.71	%
Goodwill and core deposit intangibles		75,718							77,138
Other non-interest earning assets		416,496							426,061
Total Assets	$	6,161,675						$	6,169,706
Deposits:
Savings	$	566,448		2,018		1.43	%	$	529,435		2,570			1.97	%
NOW		926,381		2,683		1.16			771,017		1,512			0.80
Money market		609,062		3,158		2.09			650,383		3,938			2.46
Certificates of deposit		992,078		10,734		4.35			961,716		10,982			4.63
Total interest bearing deposits		3,093,969		18,593		2.42			2,912,551		19,002			2.65
Short-term borrowed funds		168,742		1,325		3.16			203,984		2,633			5.23
Advances from FHLB		1,423,746		14,946		4.22			1,405,279		18,723			5.40
Long-term debt		26,456		489		7.43			29,634		626			8.57
Total interest bearing liabilities		4,712,913		35,353		3.02			4,551,448		40,984			3.65
Demand deposits		854,761							989,546
Non-interest bearing other liabilities		48,823							56,222
Total Liabilities		5,616,497							5,597,216
Stockholder’s equity		545,178							572,490
Total liabilities and stockholder’s equity	$	6,161,675						$	6,169,706
Net tax equivalent interest income/net interest spread				48,005		2.86	%				54,101			3.06	%
Tax equivalent adjustment				—							(2,031	)
Net interest income				48,005							52,070
Margin
Interest income/interest earning assets						5.88	%							6.71	%
Interest expense/interest earning assets						2.51								2.93
Net interest margin (tax equivalent)						3.37	%							3.78	%

(1) The tax equivalent basis is computed using a 35% tax rate.

Bank Operations Business Segment
Allowance for Loan Loss and Credit Quality

(in thousands)		For the Three Months Ended
		3/31/2008			12/31/2007			9/30/2007			6/30/2007			3/31/2007
Allowance for Loan Losses
Beginning balance	$		94,020			92,358			54,754			50,373			43,602
Charge-offs:
Residential real estate			(624	)		(255	)		(3	)		(52	)		(151	)
Commercial real estate			(40,591	)		(3,118	)		(9,444	)		—			—
Commercial business			—			—			—			—			—
Consumer			(4,836	)		(4,094	)		(1,689	)		(744	)		(538	)
Small business			(1,196	)		(534	)		(581	)		(1,001	)		(438	)
Total charge-offs			(47,247	)		(8,001	)		(11,717	)		(1,797	)		(1,127	)
Recoveries:
Residential real estate			—			—			—			15			—
Commercial real estate			—			—			—			304			—
Commercial business			26			14			29			777			42
Consumer			88			49			120			81			167
Small business			61			85			223			84			228
Total recoveries			175			148			372			1,261			437
Net charge-offs			(47,072	)		(7,853	)		(11,345	)		(536	)		(690	)
Transfer specific reserves to Parent			(6,440	)		—			—			—			—
Provision for loan losses			42,888			9,515			48,949			4,917			7,461
Ending balance	$		83,396			94,020			92,358			54,754			50,373
Annualized net charge-offs to average loans	%		4.06			0.67			0.97			0.05			0.06

		As of
		3/31/2008		12/31/2007		9/30/2007		6/30/2007		3/31/2007
Credit Quality
Nonaccrual loans	$		55,790		178,591		165,369		21,806		25,746
Nonaccrual tax certificates			2,013		2,094		1,140		711		597
Real estate owned			19,784		17,216		17,159		23,886		23,135
Other repossessed assets			—		—		—		—		—
Total nonperforming assets, gross			77,587		197,901		183,668		46,403		49,478
Nonperforming assets, gross to total loans and other assets	%		1.67		4.10		3.74		0.94		1.02
Allowance for loan losses to total loans	%		1.86		2.04		1.97		1.17		1.08
Provision to average loans	%		3.70		0.82		4.17		0.42		0.64
Allowance to nonaccrual loans	%		149.48		52.65		55.85		251.10		195.65

Parent Company Business Segment Activities
Condensed Statements of Operations — Unaudited

	For the Three Months Ended
(in thousands)	3/31/2008			12/31/2007			9/30/2007			6/30/2007			3/31/2007
Net interest (expense)	$	(5,374	)		(5,473	)		(5,476	)		(4,861	)		(4,924	)
Non-Interest income
Income from unconsolidated subsidiaries		162			174			167			159			781
Securities activities, net		(5,079	)		(4,024	)		594			8,601			934
Other		271			275			156			254			179
Non-interest income		(4,646	)		(3,575	)		917			9,014			1,894
Non-interest expense
Employee compensation and benefits		912			701			14			1,280			426
Advertising and business promotion		34			62			55			130			70
Professional fees		500			98			98			135			93
Other		229			300			173			324			323
Non-interest expense		1,675			1,161			340			1,869			912
(Loss) income from parent company activities before income taxes		(11,695	)		(10,209	)		(4,899	)		2,284			(3,942	)
(Benefit) provision for income taxes		(4,112	)		(3,655	)		(2,401	)		961			(1,099	)
Net (loss) income from parent company business segment	$	(7,583	)		(6,554	)		(2,498	)		1,323			(2,843	)

Condensed Statements of Financial Condition — Unaudited

	As of
(in thousands)	3/31/2008		12/31/2007		9/30/2007		6/30/2007		3/31/2007
ASSETS
Cash	$	27,624		9,163		12,540		28,332		14,699
Securities		28,864		185,724		201,155		193,979		194,257
Investment in subsidiaries		634,447		535,281		538,691		566,787		562,958
Investment in unconsolidated subsidiaries		8,820		8,820		8,839		8,685		7,910
Other assets		30,672		16,339		8,466		8,370		2,929
Total assets	$	730,427		755,327		769,691		806,153		782,753
LIABILITIES AND STOCKHOLDERS’ EQUITY
Subordinated debentures and notes payable	$	294,195		294,195		294,195		289,040		263,266
Other liabilities		2,336		1,811		3,607		4,389		4,510
Total liabilities		296,531		296,006		297,802		293,429		267,776
Stockholders’ equity		434,344		459,321		471,889		512,724		514,977
Total liabilities and stockholders’ equity	$	730,427		755,327		769,691		806,153		782,753

Parent Company Business Segment
Allowance for Loan Loss and Credit Quality

Parent Company and Work-out Subsidiary	For the three
(in thousands)	Months Ended
	3/31/2008
Allowance for Loan Losses
Beginning balance	$	—
Specific reserves transfer from BankAtlantic		6,440
Provision for loan losses		—
Ending balance	$	6,440

	As of
	3/31/2008
Credit Quality
Nonaccrual loans	$	101,493
Specific reserves		(6,440	)
Nonaccrual loans, net		95,053

Consolidated BankAtlantic Bancorp and Subsidiaries
Change in Commercial Real Estate Non-Accrual Loans

Balance at December 31, 2007	$	159,278
Additional Non-Accruals		48,683
Charge-offs		(40,592	)
Sales		(30,029	)
Transfer to REO		(1,900	)
Net Payments		(4,795	)
Balance at March 31, 2008	$	130,645

Consolidated BankAtlantic Bancorp and Subsidiaries
Non performing Assets and Credit Quality Statistics

	As of
	3/31/2008
Nonperforming Assets
Commercial real estate	$	130,645
Residential		15,141
Consumer		4,374
Commercial business		6,231
Small business		893
Total nonaccrual loans		157,284
Nonaccrual tax certificates		2,013
Real estate owned		19,784
Other repossessed assets		—
Total nonperforming assets, gross	$	179,081
Credit Quality Statistics
Nonperforming assets, gross to total loans and other assets	%	3.77
Allowance for loan losses to total loans	%	1.96
Provision to average loans	%	3.70
Allowance to nonaccrual loans	%	57.12