1

st

Quarter 2008 Earnings Overview

Exhibit 99.2

2

Forward Looking Statements

This

presentation

includes

“forward-looking statements”

within

the

meaning

of

the

federal

securities

laws.

Words

such

as

“believes,”

“estimates,”

“plans,”

“expects,”

“should,”

“may,”

“might,”

“outlook,”

“potential

”

and

“anticipates,”

the

negative

of

these

terms

and

similar expressions,

as they relate to The Colonial BancGroup, Inc. (BancGroup) (including its subsidiaries or its management), are intended to identify

forward-

looking

statements.

The

forward-looking

statements

in

this

presentation

are

subject

to

risks

and

uncertainties

that

could cause actual results to differ

materially from those expressed in or implied by such statements. In addition to factors mentioned

elsewhere

in

this

presentation

or

previously

disclosed

in

BancGroup’s

SEC

reports

(accessible

on

the

SEC’s

website

at

www.sec.gov

or

on

BancGroup’s

website

at

www.colonialbank.com),

the

following

factors,

among

others,

could

cause

actual

results

to

differ

materially from forward-

looking statements and future results could differ materially from historical performance. These factors are not exclusive:

losses to our loan portfolio are greater than estimated or expected;

an inability to raise additional capital on terms and conditions that are satisfactory;

the impact of current economic conditions on our ability to borrow additional funds to meet our liquidity needs;

economic conditions affecting real estate values and transactions in BancGroup’s market and/or general economic     

conditions, either nationally or regionally, that are less favorable then expected;

changes in the interest rate environment which expand or reduce margins or adversely affect critical estimates as applied

and projected returns on investments;

deposit attrition, customer loss, or revenue loss in the ordinary course of business;

increases in competitive pressure in the banking industry and from non-banks;

costs or difficulties related to the integration of the businesses of BancGroup and institutions it acquires are greater than

expected;

the inability of BancGroup to realize elements of its strategic plans for 2008 and beyond;

natural disasters in BancGroup’s primary market areas which result in prolonged business disruption or materially impair

the value of collateral securing loans;

management’s assumptions and estimates underlying critical accounting policies prove to be inadequate or materially

incorrect or are not borne out by subsequent events;

the impact of recent and future federal and state regulatory changes;

current or future litigation, regulatory investigations, proceedings or inquiries;

strategies to manage interest rate risk may yield results other than those anticipated;

changes which may occur in the regulatory environment;

a significant rate of inflation (deflation);

acts of terrorism or war; and

changes in the securities markets.

Many of these factors are beyond BancGroup’s control. The reader is cautioned not to place undue reliance on any forward looking

statements

made

by

or

on

behalf

of

BancGroup.

Any

such

statement

speaks

only

as

of

the

date

the

statement

was

made

or

as

of

such

date

that

may

be

referenced

within

the

statement.

BancGroup

does

not

undertake

any

obligation

to

update

or

revise

any

forward-looking statements.

3

$27 billion in assets with 342 branches at 3/31/2008

Top

25*

U.S.

commercial

bank

(non-foreign

owned)

Proven community banking philosophy with regional bank management and local boards of

directors

Top 6* market share in 87% of retail deposit franchise

•

Attractive banking franchise

•

Strong and growing retail banking business

Long history of superior asset quality across portfolios and credit cycles

•

Conservative loan loss reserve level

•

No subprime residential mortgage products

Solid capital levels

Strong liquidity position

Consistent core profitability

Stable, experienced management team

Overview

*Source:  SNL Financial

4

Credit Quality –

1

st

Quarter 2008 Update

Credit quality is sound and within expectations

No subprime, no stated income and no exotic loan or investment products

Maintained loan loss reserve at 1.50% of loans at 3/31/08

1 

quarter net charge-offs were $34 million or 0.84% annualized of average loans down from

0.88% annualized from the 4

quarter

of 2007

Nonperforming

assets

were

$266

million

or

1.65%

of

net

loans

and

ORE

at

3/31/08

compared

to 0.86% at 12/31/07

st

th

5

Loan Portfolio

At 3/31/08 (excluding unearned income)

49.5%

$7,968.3

Commercial Real Estate

2.6%

$434.0

Consumer & Other

20.3%

$3,265.1

Residential Construction

100%

$16,113.5

Total

3.7%

$598.0

Mortgage Warehouse Lending

7.4%

$1,194.3

Commercial & Industrial

16.5%

$2,653.8

Residential Real Estate

Percentage of Total

Portfolio

Dollars Outstanding

(millions)

Business Line

6

Residential Construction

By Location and Property Type at 3/31/08

20% of total loan portfolio

-

$3.265 billion

($ in millions)

National Builders, $53

Land, $440

Residential Spec, $582

Consumer-Owned

Lots, $136

Builder Lot Inventory,

$180

Residential Presold,

$211

A&D,  $1,273

Condo,  $390

Total

Outstanding

A&D

Builder

Lots

Consumer

Lots

Res.

Presold

Res.

Spec

Land

Condo

National

Builders

Florida

1,608

$            

568

$  

72

$   

99

$         

113

$    

214

$

224

$

298

$    

20

$     

Texas

540

279

41

5

17

74

75

16

33

Georgia

410

188

32

2

30

115

20

23

-

Alabama

393

126

32

27

26

151

24

7

-

Nevada

204

80

1

2

22

25

49

25

-

Other

110

32

2

1

3

3

48

21

-

Total

3,265

$            

1,273

$

180

$ 

136

$       

211

$    

582

$

440

$

390

$    

53

$     

7

Florida

$107.8

40.4%

Georgia

$29.6

11.1%

Texas

$7.6

2.9%

Other

$2.2

0.8%

Nevada

$33.1

12.5%

Alabama

$5.8

2.2%

Residential

Development

$43.0

16.1%

Consumer Lots

$8.4

3.2%

Condo

Construction

$62.2

23.4%

Residential Land

$17.4

6.5%

Homes under

Construction

$43.6

16.4%

Builder Lot

Inventory

$11.5

4.3%

Residential Construction NPAs

At 3/31/08 –

Total $186.1 million (or 69.9% of total non-performing assets)

($ in millions)

Property Type

Location

(note: percentages in above charts represent proportion to total

NPAs)

8

Residential Construction Net Charge-Offs

At 3/31/08 –

Total $26.2 million (or 77.9% of total net charge-offs)

($ in millions)

Property Type

Location

Condo

Construction

$11.7

34.8%

Residential Land

$0.1

0.2%

Homes under

Construction

$4.9

14.7%

Residential

Development

$6.5

19.3%

Consumer Lots

$0.6

1.8%

Builder Lot

Inventory

$2.4

7.1%

Other

$1.5

4.5%

Texas

$0.7

2.1%

Georgia

$5.6

16.6%

Florida

$17.7

52.6%

Alabama

$0.7

2.1%

(note: percentages in above charts represent proportion to total

net charge-offs)

9

Commercial Real Estate

(Excluding Residential and Condominium Construction)

By location and property type at 3/31/08

50% of total loan portfolio

-

$7.968 billion

($ in millions)

Commercial Dev.

and Lots

$608.3

7.6%

Commercial

Land

$1,010.6

12.7%

Industrial

$1,021.2

12.8%

Lodging

$371.1

4.7%

Multifamily

$680.7

8.5%

Office

$1,368.5

17.2%

Other

$885.6

11.1%

Retail

$1,524.4

19.1%

Healthcare

$497.9

6.3%

Alabama

$845.3

10.6%

Florida

$4,602.6

57.8%

Georgia

$550.8

6.9%

Texas

$770.4

9.7%

Nevada

$513.4

6.4%

Other

$685.8

8.6%

Property Type

Location

10

Florida,

$45.3,

17.0%

Georgia,

$1.7,

0.6%

Nevada,

$1.3,

0.5%

Other,

$3.4,

1.3%

Alabama,

$5.1,

1.9%

Commercial

Land,

$37.9,

14.2%

Office,

$6.7,

2.5%

Other,

$3.6,

1.4%

Retail,

$1.6,

0.6%

Warehouse,

$1.8,

0.7%

Commercial

Dev. and Lots,

$1.2,

0.4%

Multifamily,

$2.6,

1.0%

Industrial,

$1.4,

0.5%

Commercial Real Estate NPAs

(Excluding Residential and Condominium Construction)

At 3/31/08–

Total $56.8 million (or 21.3% of total non-performing assets)

($ in millions)

Location

Property Type

(note: percentages in above charts represent proportion to total

NPAs)

11

Commercial Real Estate Net Charge-Offs

(Excluding Residential and Condominium Construction)

At 3/31/08–

Total $2.5 million (or 7.4% of total net charge-offs)

($ in millions)

Church or

School

$0.3

0.8%

Commercial

Land

$1.8

5.4%

Other

$0.1

0.4%

Industrial

$0.3

0.8%

Florida

$2.1

6.2%

Alabama

$0.1

0.4%

Georgia

$0.3

0.8%

Location

Property Type

(note: percentages in above charts represent proportion to total

net charge-offs)

12

Other Loan Types

At

3/31/08

–

30%

of

total

portfolio

-

$4.880

billion

($ in millions)

Residential RE

$2,653.8

54.4%

Commercial &

Industrial

$1,194.3

24.5%

Consumer & Other

$434.0

8.9%

Mortgage

Warehouse

Lending

$598.0

12.2%

13

Consumer &

Other

$1.2

3.5%

Residential RE

$1.2

3.7%

Commercial &

Industrial

$2.5

7.5%

Commercial &

Industrial

$2.1

0.8%

Consumer &

Other

$1.0

0.4%

Residential RE

$20.3

7.6%

Other Loan Types -

NPAs

and Net Charge-Offs

At 3/31/08–

NPAs

totaled $23.4 million, NCOs totaled $4.9 million

($ in millions)

NCOs

NPAs

(note: percentages in above charts represent proportion to total

NPAs

and NCOs)

14

Commercial

Construction

$40.8

15.3%

Condominium

Construction

$62.2

23.4%

Non-RE

$3.1

1.2%

Permanent

CRE

$16.0

6.0%

Permanent

Residential

$20.3

7.6%

Residential

Construction

$123.9

46.5%

Property Type

Location

Nonperforming Assets by Type and Location

At 3/31/08 –

Total $266.3 million

($ in millions)

Florida

$169.3

63.6%

Georgia

$32.6

12.2%

Alabama

$15.6

5.9%

Nevada,

$34.8,

13.0%

Texas

$7.7

2.9%

Other

$6.3

2.4%

15

Net Charge Offs by Type and Location

First Quarter 2008 –

Total $33.6 million

($ in millions)

Property Type

Location

Residential

Construction

$14.5

43.2%

Condo

Construction

$11.7

34.8%

C & I

$2.5

7.5%

Consumer &

Other

$1.2

3.5%

CRE

$0.6

1.7%

Residential RE

$1.2

3.7%

Commercial

Construction

$1.9

5.6%

Florida

$24.3

72.3%

Georgia

$5.7

17.1%

Other

$1.7

5.0%

Texas

$0.7

2.1%

Alabama

$1.2

3.5%

16

1

st

Quarter 2008 Summary of Results

Earnings per share of $0.16 for the 1Q08; an increase of $0.10 over the 4Q07

Net interest income decreased 7% from the 4Q07

•

Net

interest

margin

was

2.94%

for

the

1Q08 compared

to

3.43%

for

the

4Q07

Strong average deposit growth of 17% over 1Q07

Loan loss reserve was 1.50% of net loans; provisions exceeded net charge-offs

Core noninterest income growth of 11% over 1Q07

Core noninterest expense increased 12% over the 4Q07

Issued $250 million of subordinated debt at 8.875%, qualifies for Tier 2 capital

Strong liquidity and solid capital position

17

$1.37 ¹

$1.72

$1.52

$1.31

$1.16

$1.26

$1.06

2001

2002

2003

2004

2005

2006

2007

1Q07

4Q07

1Q08

(diluted)

Earnings Per Share

19%

(8)%

13%

16%

13%

$1.17

1

Excluding one-time gains, restructuring and other charges

$0.24

$0.06

$0.16

18

$422

$455

$495

$567

$709

$755

$761

$180

$195

$182

2001

2002

2003

2004

2005

2006

2007

1Q07

4Q07

1Q08

Net Interest Income

($ in millions)

8%

9%

15%

25%

80%

6%

3.57%    3.55%    3.38%    3.52%    3.75%    3.71%   3.55%

3.46%    3.43%   2.94%

Net Interest

Margin

1%

5 Year CAGR = 11%

2002 -

2007

19

Net Interest Income and Margin

($ in millions)

Tax Equivalent

NII

NIM

4Q07

$197.3

3.43%

Citrus & Chemical Bank

3.6

-0.01

Deposit mix change and inelastic deposit pricing

(7.9)

-0.13

Increase in Mortgage Warehouse assets

5.8

-0.12

Asset sensitivity

(14.3)

-0.24

New sub debt issuance

(0.5)

-0.01

Other

(0.2)

0.02

1Q08

$183.8

2.94%

20

$8,433

$8,734

$9,419

$10,862

$13,988

$15,788

$17,137

$18,758

$16,566

$15,967

2001

2002

2003

2004

2005

2006

2007

1Q07

4Q07

1Q08

Average Deposits

4%

8%

15%

1

Excluding acquisitions

($ in millions)

29%

5 Year CAGR = 14%

2002 -

2007

96%

13%

5%

1% ¹

17%

7% ¹

NOTE:

Growth percent is 1Q07 to 1Q08

21

2.30%

2.37%

2.42%

2.42%

2.33%

2.27%

2.26%

2.22%

2.28%

2002

2003

2004

2005

2006

2007

1Q07

4Q07

1Q08

$107

$141

$146

$176

$182

$209

$46

$52

2002

2003

2004

2005

2006

2007

1Q07

1Q08

Strong Growth in Noninterest Income

and Controlled Expenses

Core Noninterest Income

Growth

Core Noninterest Expense

to Average Assets

1

Excluded from noninterest income are securities and derivatives gains (losses), securities restructuring charges, changes in fair value of swap

derivatives and gain on sale of Goldleaf, merchant services, branches and mortgage loans

2

Excluded from noninterest expense are net losses related to the early extinguishment of debt, severance expense and merger related expenses

11%

($ in millions)

1

2

22

Solid capital position

•

Proactively managing capital for economic uncertainty and the challenging operating environment

•

Planned offering is expected to fortify the balance sheet

•

Lower dividend preserves capital of approximately $60 million annually, or 30 basis points of Tier 1

•

Expected decreases in loans and warehouse assets will strengthen

capital ratios

•

Key ratios at 3/31/08:

Strong Liquidity

•

Ample sources of liquidity -

unused wholesale funding sources are in excess of $5 billion

•

Strong average organic deposit growth from the retail banking franchise, 9.4% annualized from December 31,

2007 to March 31, 2008; deposits fund 70% of assets

Strong, high quality investment portfolio

•

95.3% of portfolio is AAA-rated or government-backed, ex. Federal reserve stock and FHLB stock

•

No subprime or CDO exposure

(1)

Includes REIT preferred stock

(2)

Pro forma for $250 million common stock offering

*Estimated

Strong Liquidity and Capital Position

3/31/08

3/31/08

Actual

Pro Forma

(2)

Tangible common equity ratio

4.21%

5.16%

excluding unrealized loss on AFS

4.59%

5.54%

Tangible capital ratio

(1)

5.33%

6.28%

Tier I leverage ratio

6.10%

*

7.04%

Tier I capital ratio

8.05%

*

9.30%

Total risk based capital ratio  

12.01%

*

13.26%

23

We expect the remainder of 2008 to be a challenging operating environment for all banks

including Colonial

We believe that we have a realistic view of the operating environment

Liquidity is strong

Solid capital position; common stock offering will ensure that we have significant financial

flexibility to weather the tough times ahead

We have isolated the problem credits to the residential real estate construction sector of

the loan portfolio

No off-balance sheet items

2008 Outlook

24

Supplemental Information

25

Selected Average Balances

($ in millions)

% Change From

1Q08

4Q07

1Q07

4Q07

1Q07

Earning Assets

25,067

$    

22,917

$    

21,058

$    

9%

19%

Loans, Net of Unearned Income

15,994

15,388

15,349

4%

4%

Loans Held for Sale

3,161

1,643

1,287

92%

146%

Securities 

3,677

3,730

3,266

-1%

13%

Resell Agreements and

Other Interest Earning Assets

2,235

2,156

1,156

4%

93%

Total Assets

27,650

25,332

23,054

9%

20%

Total Deposits

18,758

17,137

15,967

9%

17%

Noninterest Bearing Deposits

3,067

2,982

2,780

3%

10%

Interest Bearing Transaction Accounts

6,610

6,363

6,314

4%

5%

Time Deposits

9,081

7,792

6,873

17%

32%

Repurchase Agreements

544

566

763

-4%

-29%

S/T Borrowings and Fed Funds

1,380

937

1,164

47%

19%

L/T Debt

4,084

3,908

2,925

5%

40%

Shareholders' Equity

2,281

2,253

2,068

1%

10%

26

Noninterest Income

($ in millions)

1

Core noninterest income was used in the calculation

% Change

1Q08

4Q07

1Q07

4Q07

1Q07

Service Charges on Deposit Accounts

19.2

$    

19.7

$    

17.7

$    

-3%

8%

Electronic Banking

5.0

4.9

4.4

2%

14%

Other Retail Banking Fees

2.6

2.6

3.6

0%

-28%

Retail Banking Fees

26.8

27.2

25.7

-1%

4%

Financial Planning Services

4.8

4.1

3.8

17%

26%

Mortgage Banking Origination and Sales

6.8

4.8

3.2

42%

113%

Mortgage Warehouse Fees

1.0

3.0

6.9

-67%

-86%

Bank-Owned Life Insurance

5.1

5.2

4.9

-2%

4%

Other Income

7.1

13.0

1.8

-45%

294%

Core Noninterest Income

51.6

57.3

46.3

-10%

11%

Securities and Derivatives Gains, Net

6.1

2.0

1.0

212%

519%

Securities Restructuring Charges

-

-

(36.0)

-

100%

Gain on Sale of Mortgage Loans

-

-

3.9

-

-100%

Total Noninterest Income

57.7

$    

59.3

$    

15.2

$    

-3%

279%

Annualized Noninterest Income to Average Assets

1

0.75%

0.90%

0.82%

Noninterest Income to Total Revenue

1

22.1%

22.7%

20.5%

27

Noninterest Expense

($ in millions)

1

Core

noninterest

income

and

core

noninterest

expense

are

used

in

the

calculation

% Change

1Q08

4Q07

1Q07

4Q07

1Q07

Salaries and Employee Benefits

73.7

$  

70.9

$   

69.6

$  

4%

6%

Occupancy Expense of Bank Premises, Net

23.1

21.8

18.5

6%

25%

Furniture and Equipment Expense

14.7

13.6

13.1

8%

12%

Professional Services

5.6

5.1

4.1

10%

37%

FDIC Insurance and Other Regulatory Fees

4.6

2.1

1.2

119%

283%

Electronic Banking and Other Retail Banking Expenses

4.2

4.2

4.2

0%

0%

Amortization of Intangible Assets

4.2

3.6

3.1

17%

35%

Communications

2.8

2.5

3.0

12%

-7%

Loss on Equity Investments

2.7

1.4

0.3

93%

800%

Loan and Other Real Estate Related Costs

2.7

1.4

0.3

93%

800%

Postage and Courier

2.6

2.7

2.6

-4%

0%

Advertising

2.6

2.6

2.2

0%

18%

Travel

1.4

1.7

1.7

-18%

-18%

Other Expense

13.0

7.2

6.4

81%

103%

Core Noninterest Expense

157.9

140.8

130.3

12%

21%

Severance Expense

0.2

2.6

3.0

-91%

-92%

Merger Related Expenses

-

1.7

0.4

-100%

-100%

Net Losses Related to the Early Extinguishment of Debt

5.9

-

4.4

100%

35%

Total noninterest expense

164.0

$

145.1

$

138.1

$

13%

19%

Efficiency Ratio

67.02%

55.29%

57.38%

Annualized Noninterest Expense to Average Assets

2.28%

2.22%

2.26%

1

1

28

Diversified CRE/Construction Loan Portfolio

As of 12/31/07

Property Type

Total Exposure

Central FL

West Coast  FL

South FL

Panhandle FL

Northern FL

Alabama

Georgia

Texas

Nevada

Other

Retail

13.96%

1.30%

2.51%

2.74%

0.14%

0.31%

1.43%

0.81%

2.07%

0.93%

1.71%

Retail -

other than gas stations

11.60%

1.11%

1.61%

2.36%

0.14%

0.11%

1.01%

0.68%

2.05%

0.86%

1.69%

Gas Station/Convenience Store

2.36%

0.19%

0.90%

0.39%

0.00%

0.21%

0.42%

0.14%

0.02%

0.07%

0.03%

Residential Development

13.80%

2.82%

1.60%

0.46%

0.78%

0.13%

1.37%

2.05%

3.45%

0.71%

0.43%

Builder Lot Inventory

1.96%

0.11%

0.27%

0.25%

0.19%

0.01%

0.24%

0.37%

0.48%

0.01%

0.03%

Commercial Development

5.01%

1.21%

0.73%

0.64%

0.00%

0.10%

0.09%

0.12%

0.60%

1.27%

0.26%

Commercial Lot Inventory

1.17%

0.12%

0.26%

0.23%

0.01%

0.00%

0.04%

0.33%

0.12%

0.00%

0.05%

Residential Homes (under construction)

9.95%

2.11%

1.12%

0.69%

0.21%

0.04%

1.78%

2.03%

1.02%

0.81%

0.15%

Multi-family

7.20%

0.66%

1.80%

1.10%

0.11%

0.09%

0.83%

0.14%

1.34%

0.21%

0.92%

Land Only

14.62%

3.02%

2.83%

1.38%

1.45%

0.14%

1.16%

0.45%

1.58%

1.26%

1.34%

Commercial Land

10.06%

1.92%

2.26%

1.22%

0.91%

0.13%

0.99%

0.24%

0.89%

0.61%

0.88%

Residential Land

4.56%

1.10%

0.57%

0.16%

0.54%

0.01%

0.17%

0.21%

0.69%

0.65%

0.46%

Office

8.09%

1.10%

2.00%

2.31%

0.09%

0.08%

0.60%

0.49%

0.78%

0.31%

0.32%

Office -

non-medical

7.31%

0.87%

1.84%

2.27%

0.09%

0.08%

0.55%

0.43%

0.68%

0.28%

0.23%

Office -

Medical

0.77%

0.24%

0.17%

0.04%

0.00%

0.00%

0.06%

0.06%

0.10%

0.03%

0.09%

Condominium Bldgs

-

Construction

4.74%

1.34%

1.39%

0.54%

0.30%

0.01%

0.10%

0.37%

0.18%

0.22%

0.29%

Warehouse

5.41%

0.96%

1.16%

1.60%

0.02%

0.03%

0.41%

0.24%

0.13%

0.78%

0.07%

Warehouse with Office

3.23%

0.63%

0.88%

0.88%

0.02%

0.03%

0.18%

0.15%

0.07%

0.40%

0.00%

Warehouse

1.31%

0.22%

0.16%

0.69%

0.00%

0.00%

0.11%

0.06%

0.05%

0.00%

0.03%

Mini-Warehouse

0.87%

0.12%

0.13%

0.03%

0.00%

0.01%

0.13%

0.03%

0.01%

0.38%

0.04%

Healthcare -

Living Facility

3.26%

0.12%

0.20%

0.02%

0.10%

0.05%

0.79%

0.62%

0.36%

0.00%

0.99%

Skilled Nursing Facility

1.22%

0.00%

0.13%

0.00%

0.05%

0.05%

0.50%

0.14%

0.00%

0.00%

0.35%

Assisted Living Facility

1.48%

0.00%

0.07%

0.02%

0.05%

0.00%

0.29%

0.05%

0.36%

0.00%

0.64%

Congregate Care Facility

0.55%

0.12%

0.00%

0.00%

0.00%

0.00%

0.00%

0.43%

0.00%

0.00%

0.00%

Healthcare

1.47%

0.02%

0.08%

0.01%

0.00%

0.01%

0.04%

0.00%

1.22%

0.01%

0.07%

Lodging

4.14%

0.57%

0.66%

0.24%

0.00%

0.05%

0.51%

0.64%

0.44%

0.11%

0.91%

Recreation

0.15%

0.04%

0.07%

0.00%

0.00%

0.01%

0.04%

0.00%

0.00%

0.00%

0.00%

Industrial

1.08%

0.08%

0.17%

0.04%

0.00%

0.00%

0.06%

0.03%

0.47%

0.04%

0.19%

Farm

0.94%

0.28%

0.11%

0.27%

0.05%

0.02%

0.09%

0.00%

0.06%

0.00%

0.06%

All Other Types

3.04%

0.80%

0.77%

0.62%

0.14%

0.17%

0.21%

0.16%

0.13%

0.01%

0.03%

Total

100.00%

16.66%

17.74%

13.15%

3.58%

1.27%

9.78%

8.88%

14.43%

6.69%

7.82%

Notes:

1) Includes outstanding exposures (balances plus commitments).

2) Does not include owner occuppied

properties (except for owner occupied Healthcare -

Living Facilities and Gas Stations).

Commercial Real Estate Exposures by Geographic Location

Expressed as a Percentage of Commercial Real Estate Portfolio

Includes Commercial Real Estate and Construction Loan Exposures

(Principal Balances and Amounts Available To Be Drawn)