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October 22, 2008
Dear Correspondent Banking Friend:
It is once again time to comply with the provisions of Regulation F. Here are our capital ratios for your evaluation, as of September 30, 2008, in addition to the previous two reporting periods. We want you to have as much information as possible about our financial condition.
First National Bank of St. Louis
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Regulatory Minimum Requirement
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FDIC Well Capitalized Requirement
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03/31/08
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06/30/08
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09/30/08
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Leverage Ratio
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7.56%
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7.74%
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8.03%
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4.00%
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5.00%
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Tier I Capital/Risk Assets
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9.42%
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9.31%
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9.01%
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4.00%
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6.00%
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Total Capital/Risk Assets
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10.68%
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10.57%
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10.26%
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8.00%
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10.00%
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We will continue to furnish these ratios on a quarterly basis. If you have any questions, or need further information, please contact any of us in the Correspondent Banking Group at 1-877-472-6974.
Thank you for your continued friendship and support.
Allen J. Grieve
Senior Vice President and Division Manager
Russ Spaulding, V.P. Correspondent Relationship Manager
Bill Bagot, V.P. Correspondent Relationship Manager
Jean Cox, Sales Support Administrator & Product Manager, Banking Officer
Roger C. Cook, V.P. & Correspondent Relationship Manager
Joe Licata, V.P & Senior Cash Management Officer
Jana Luden, Commercial Services Support Specialist
Steve Tichacek, Correspondent Banking Officer
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