2. Planning for Recovery – Banking Beyond 2011 Katherine Koops & Rob Klingler Florida Bankers Association 2011 Annual Convention Orlando, FL

5. Survey!

18. A New Stress Test for Banks

22. FDIC “Problem” Institutions

24. What Will Investors Expect?

28. As of December 31, 2010 Asset Size # Institutions Risk Weighted Assets >$1 Trillion 4 $4,097,582,006,000 $100-999 Billion 12 $1,468,738,483,000 $50-99 Billion 19 $988,292,605,000 $5-49 Billion 120 $1,036,912,286,000 $1-4.9 Billion 481 $637,780,117,000 $500-999 Million 646 $309,852,894,000 $250-499 Million 1,161 $277,997,761,000 $100-249 Million 2,212 $242,924,470,000 $50-99 Million 1,326 $63,333,059,000 $0-49 Million 944 $18,331,475,000 6,925 $9,141,745,156,000

29. As of December 31, 2010 4,482 Banks 6,770 Banks 155 Banks 83% of Banking Assets Asset Size # Institutions >$1 Trillion 4 $100-999 Billion 12 $50-99 Billion 19 $5-49 Billion 120 $1-4.9 Billion 481 $500-999 Million 646 $250-499 Million 1,161 $100-249 Million 2,212 $50-99 Million 1,326 $0-49 Million 944 6,925

32. ROE – Banks < $100 Million

33. ROE – Banks $100M - $1B

34. ROE – Banks $1B - $10B

36. ROA – Banks < $100 Million

37. ROA – Banks $100M - $1B

38. ROA – Banks $1B - $10B

46. Are your Board and Management Team Ready for these Changes?

50. Walt Moeling Partner - Atlanta 404.572.6629 Kathryn Knudson Partner - Atlanta 404.572.6952 Beth Lanier Counsel - Atlanta 404.572.4571 John ReVeal Counsel - Washington, DC 202.508.6395 Jerry Blanchard Partner - Atlanta 404.572.6804 Judith Rinearson Partner - New York 212.541.1135 Lyn Schroeder Counsel - Atlanta 404.572.6904 Jim McAlpin Partner - Atlanta 404.572.6630 Katherine Koops Partner - Atlanta 404.572.6819 B.T. Atkinson Partner - Charlotte 704.749.8954 Jonathan Hightower Associate - Atlanta 404-572-6669 Ken Achenbach Associate - Atlanta 404.572.6808 Mike Shumaker Associate - Atlanta 404.572.5908 Margo Strahlberg Associate - Chicago 312.602.5094 Rob Klingler Associate - Atlanta 404.572.6810 Lauren Brown Associate - Atlanta 404.572.6769 Financial Institutions Practice www.bryancave.com/fi For the latest banking law updates, visit www.bankbryancave.com Andy Brummel Associate – Kansas City 816.374.3352 Barry Hester Associate - Atlanta 404-572-6711 Kristine Andreassen Associate - Washington, DC 202.508.6117 Amber Hall Associate - Atlanta 404.572.6829 Dustin Hall Associate - Atlanta 404.572.4573

51. For further information: Katherine Koops | [email_address] Rob Klingler | [email_address] www.bankbryancave.com