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<SEC-DOCUMENT>0001275287-07-000836.txt : 20070220
<SEC-HEADER>0001275287-07-000836.hdr.sgml : 20070219
<ACCEPTANCE-DATETIME>20070216214817
ACCESSION NUMBER:		0001275287-07-000836
CONFORMED SUBMISSION TYPE:	6-K
PUBLIC DOCUMENT COUNT:		7
CONFORMED PERIOD OF REPORT:	20070215
FILED AS OF DATE:		20070220
DATE AS OF CHANGE:		20070216

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			LATIN AMERICAN EXPORT BANK
		CENTRAL INDEX KEY:			0000890541
		STANDARD INDUSTRIAL CLASSIFICATION:	COMMERCIAL BANKS, NEC [6029]
		IRS NUMBER:				000000000
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		6-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-11414
		FILM NUMBER:		07633195

	BUSINESS ADDRESS:	
		STREET 1:		CALLE 50 Y AQUILINO DE LA GUARDIA
		STREET 2:		EL DORADO PANAMA CITY
		CITY:			REPUBLIC OF PANAMA
		STATE:			R1

	MAIL ADDRESS:	
		STREET 1:		CALLE 50 Y AQUILINO DE LA GUARDIA
		STREET 2:		EL DORADO PANAMA CITY
		CITY:			REPUBLIC OF PANAMA
		STATE:			R1
		ZIP:			00000
</SEC-HEADER>
<DOCUMENT>
<TYPE>6-K
<SEQUENCE>1
<FILENAME>bl9013.htm
<DESCRIPTION>FORM 6-K
<TEXT>
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<p  align="center"><font size="3" face="Times New Roman">SECURITIES AND EXCHANGE COMMISSION<br> Washington, D.C. 20549</font></p>
<p  align="center">
<font size="4" face="Times New Roman"><b>FORM 6-K</b></font></p>
<p  align="center">
<font size="3" face="Times New Roman">Report of Foreign Private Issuer<br> Pursuant to Rule 13a-16 Or 15d-16 Of The<br> Securities Exchange Act of 1934</font></p>
<p  align="center">
<font size="3" face="Times New Roman">Long form of Press Release</font></p>
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  <p  align="center">
<font size="4" face="Times New Roman"><b>BANCO LATINOAMERICANO DE EXPORTACIONES, S.A.</b></font></p>  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p  align="center">
<font size="1" face="Times New Roman">(Exact name of Registrant as specified in its   Charter)</font></p>  </td>
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  <p>
<font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
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  <td  valign="top">
  <p  align="center">
<font size="4" face="Times New Roman"><b>LATIN   AMERICAN EXPORT BANK</b></font></p>  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p  align="center">
<font size="1" face="Times New Roman">(Translation of Registrant&#146;s name into English)</font></p>  </td>
 </tr>
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  <td  valign="top">
  <p>
<font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
 </tr>
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  <td  valign="top">
  <p  align="center">
<font size="3" face="Times New Roman">Calle 50 y Aquilino de la Guardia</font></p>  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p  align="center">
<font size="3" face="Times New Roman">P.O. Box 0819-08730</font></p>  </td>
 </tr>
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  <td  valign="top">
  <p  align="center">
<font size="3" face="Times New Roman">El Dorado, Panama City</font></p>  </td>
 </tr>
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  <td  valign="top">
  <p  align="center">
<font size="3" face="Times New Roman">Republic of Panama</font></p>  </td>
 </tr>
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  <td  valign="top">
  <p  align="center">
<font size="1" face="Times New Roman">(Address of Registrant&#146;s Principal Executive   Offices)</font></p>  </td>
 </tr>
</table>

<p align="justify"><font size="2" face="Tahoma">(Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F.)</font></p>
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 <tr>
  <td width="32%" valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
  <td width="10%" valign="bottom">
  <p align="center" style="margin-left:1em; text-indent:-1em">
<font size="3" face="Times New Roman">Form&nbsp;20-F</font></p>  </td>
  <td width="6%" valign="bottom">
  <p  align="center">
<font size="3" face="Wingdings">x</font></p>  </td>
  <td width="4%" valign="bottom">
  <p  align="center"><font size=1 face="Times New Roman">&nbsp;</font></p> </td>
  <td width="10%" valign="bottom">
  <p  align="center">
<font size="3" face="Times New Roman">Form&nbsp;40-F</font></p>  </td>
  <td width="6%" valign="bottom">
  <p  align="center">
<font size="3" face="Wingdings">o</font></p>  </td>
  <td width="32%" valign="bottom">
  <p  align="center"><font size=1 face="Times New Roman">&nbsp;</font></p> </td>
 </tr>
</table>

<p align="justify">
<font size="2" face="Tahoma">(Indicate by check mark whether the registrant by furnishing the information contained in this Form is also thereby furnishing information to the Commission pursuant to Rule 12g-3-2(b) under the Securities Exchange Act of 1934.)</font></p>
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  <td width="32%" valign="top">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
  <td width="10%" valign="bottom">
  <p align="center" style="margin-left:1em; text-indent:-1em">
<font size="3" face="Times New Roman">Yes</font></p>  </td>
  <td width="6%" valign="bottom">
  <p  align="center">
<font size="3" face="Wingdings">o</font></p>  </td>
  <td width="4%" valign="bottom">
  <p  align="center"><font size=1 face="Times New Roman">&nbsp;</font></p> </td>
  <td width="10%" valign="bottom">
  <p  align="center">
<font size="3" face="Times New Roman">No</font></p>  </td>
  <td width="6%" valign="bottom">
  <p  align="center">
<font size="3" face="Wingdings">x</font></p>  </td>
  <td width="32%" valign="top">
  <p>
<font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
 </tr>
</table>

<p align="justify">
<font size="2" face="Tahoma">(If &#147;Yes&#148; is marked, indicate below the file number assigned to the registrant in connection with Rule 12g3-2(b). 82__.)</font></p>

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<PAGE>
<br>

<p  align="center">
<font size="3" face="Times New Roman"><b>SIGNATURES</b></font></p>
<p>
<font size="3" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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, thereto duly authorized.</font></p>
<p>
<font size="3" face="Times New Roman">February 15, 2007</font></p>
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 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
  <td  colspan="3"  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="3" face="Times New Roman">Banco Latinoamericano de   Exportaciones, S.A.</font></p>  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
  <td  colspan="3"  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
  <td  colspan="3"  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td width="48%" valign="top">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
  <td width="10%" valign="top">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
  <td width="7%" valign="top">
  <p><font size="3" face="Times New Roman">By:</font></p>  </td>
  <td width="35%" valign="top">
  <p><font size="3" face="Times New Roman">/s/ Pedro Toll</font></p>  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
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  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p><font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p><font size="3" face="Times New Roman">Name:</font></p>  </td>
  <td  valign="top">
  <p><font size="3" face="Times New Roman">Pedro Toll</font></p>  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p><font size="3" face="Times New Roman">Title:</font></p>  </td>
  <td  valign="top">
  <p><font size="3" face="Times New Roman">Deputy Manager</font></p>  </td>
 </tr>
</table>

<br>

<hr size="1" width="100%" noshade color=black>
<div style="page-break-before:always"></div>
<PAGE>
<br>

<p><font size="2" face="Arial"><b>FOR IMMEDIATE RELEASE</b></font></p>
<p  align="center">
<font size="2" face="Arial"><b>Bladex Reports Net Income of $21.1 million for the Fourth Quarter of 2006</b></font></p>
<p  align="center">
<font size="2" face="Arial"><b>and Net Income of $57.9 million for Full Year 2006</b></font></p>
<table align="center"  border="0" style="border-collapse:collapse" cellspacing="0"  cellpadding="0"  width="100%">

 <tr>
  <td  colspan="3"  valign="top">
  <p align="justify">
<font size="2" face="Arial"><b>Fourth   Quarter 2006 Financial Highlights:</b></font></p>  </td>
 </tr>
 <tr>
  <td width="5%" valign="top">
  <p align="justify">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="5%" valign="top">
  <p align="justify">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="90%" valign="top">
  <p align="justify">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr valign="top">
  <td>
  <p align="justify">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td>
  <p align="justify">
<font size="2" face="Arial">&#149;</font></p>  </td>
  <td>
  <p align="justify">
<font size="2" face="Arial">Operating income <sup>(1)</sup> totaled $14.1
million, up 63% from the previous quarter, due to gains in Treasury activities
and increased net interest income.</font></p> </td>
 </tr>
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  <td>
  <p align="justify">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td>
  <p align="justify">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td>
  <p align="justify">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr valign="top">
  <td>
  <p align="justify">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td>
  <p align="justify">
<font size="2" face="Arial">&#149;</font></p>  </td>
  <td>
  <p align="justify">
<font size="2" face="Arial">Net income for the fourth quarter totaled $21.1 million, up 87% from   the third quarter, driven by a $5.4 million increase in operating income, and   a $5.6 million recovery on impaired assets.</font></p>  </td>
 </tr>
 <tr valign="top">
  <td>
  <p align="justify"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td>
  <p align="justify">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td>
  <p align="justify">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr valign="top">
  <td>
  <p align="justify">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td>
  <p align="justify">
<font size="2" face="Arial">&#149;</font></p>  </td>
  <td>
  <p align="justify">
<font size="2" face="Arial">At December 31, 2006, the credit portfolio stood at $4.0 billion, 7%   higher than the figure reported as of September 30, 2006.</font></p>  </td>
 </tr>
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  <td>
  <p align="justify">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td>
  <p align="justify">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td>
  <p align="justify">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr valign="top">
  <td>
  <p align="justify">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td>
  <p align="justify">
<font size="2" face="Arial">&#149;</font></p>  </td>
  <td>
  <p align="justify">
<font size="2" face="Arial">At December 31, 2006, the Bank had reduced its non-accruing assets to   zero, and had no past due loans in its portfolio.</font></p>  </td>
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  <td>
  <p align="justify">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td>
  <p align="justify">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td>
  <p align="justify">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr valign="top">
  <td>
  <p align="justify">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td>
  <p align="justify">
<font size="2" face="Arial">&#149;</font></p>  </td>
  <td>
  <p align="justify">
<font size="2" face="Arial">On February 13, 2007, the Bank&#146;s Board of Directors declared an   increase in the quarterly dividend from $0.1875 per share to $0.22 per share,   which will be payable on April 10, 2007, to shareholders of record as of   March 30, 2007.</font></p>  </td>
 </tr>
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  <td  valign="top">
  <p align="justify">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p align="justify">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p align="justify">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  colspan="3"  valign="top">
  <p align="justify"><font size="2" face="Arial"><b>Full Year   2006 Financial Highlights:</b></font></p>  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p align="justify">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p align="justify">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p align="justify">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p align="justify">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p align="justify">
<font size="2" face="Arial">&#149;</font></p>  </td>
  <td  valign="top">
  <p align="justify">
<font size="2" face="Arial">Operating income was $39.3 million, up 36% from 2005, reflecting   mostly a 30% increase in net interest income, an 8% increase in fee income,   and higher gains in Treasury activities.</font></p>  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p align="justify">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p align="justify">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p align="justify">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p align="justify">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p align="justify">
<font size="2" face="Arial">&#149;</font></p>  </td>
  <td  valign="top">
  <p align="justify">
<font size="2" face="Arial">Net income amounted to $57.9 million, down 28% from 2005, due to   lower credit provision reversals, as the Bank reduced its non-accruing   portfolio by year-end to zero.</font></p>  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p align="justify">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p align="justify">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p align="justify">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p align="justify">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p align="justify">
<font size="2" face="Arial">&#149;</font></p>  </td>
  <td  valign="top">
  <p align="justify">
<font size="2" face="Arial">The average credit portfolio grew 20% year-over-year.</font></p>  </td>
 </tr>
</table>

<br>

<table align="center"  border="0" style="border-collapse:collapse" cellspacing="0"  cellpadding="0"  width="100%">

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  <td width="100%" valign="bottom">
  <hr size="1"  align="Left" width="25%" noshade color=black>

  </td>
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 <tr>
  <td  valign="top">
<p align="justify"><font size="1" face="Arial"><sup>(1)</sup>
&nbsp;&nbsp;Operating income refers to net income excluding reversals of
provisions for credit losses, recoveries (impairment) on assets, and cumulative
effect on prior years of changes in accounting principles.</font></p> </td>
 </tr>
</table>

<p align="justify">
<font size="2" face="Arial"><b>Panama City, Republic of Panama, February 15, 2007 </b>&#150; Banco Latinoamericano de Exportaciones, S.A. (NYSE: BLX) (&#147;Bladex&#148; or the &#147;Bank&#148;) announced today its results for the fourth quarter ended December 31, 2006.&#160; </font></p>
<p align="justify">
<font size="2" face="Arial">The table below depicts selected key financial figures and ratios for the periods indicated (the Bank&#146;s financial statements are prepared in accordance with U.S. GAAP, and all figures are stated in U.S. dollars):</font></p>

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<div style="page-break-before:always"></div>
<PAGE>
<br>

<p  align="center">
<font size="2" face="Arial"><b>Key Financial Figures</b></font></p>



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  <td width="48%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="2%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="8%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="2%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="8%" valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="2%" valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="8%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="2%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="8%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="2%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="8%" valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p><font size="1" face="Arial">(US$million, except percentages and<BR>per share amounts)</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td align="center"  valign="middle">
  <p  align="center">
<font size="1" face="Arial"><b>2005</b></font></p>  </td>
  <td align="center"  valign="middle">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td align="center"  valign="middle" bgcolor="#e6e6e6">
  <p  align="center">
<font size="1" face="Arial"><b>2006</b></font></p>  </td>
  <td align="center"  valign="middle" bgcolor="#e6e6e6">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td align="center"  valign="middle">
  <p  align="center">
<font size="1" face="Arial"><b>4Q05</b></font></p>  </td>
  <td align="center"  valign="middle">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td align="center"  valign="middle">
  <p  align="center">
<font size="1" face="Arial"><b>3Q06</b></font></p>  </td>
  <td align="center"  valign="middle">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td align="center"  valign="middle" bgcolor="#e6e6e6">
  <p  align="center">
<font size="1" face="Arial"><b>4Q06</b></font></p>  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Net   interest income</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$45.3</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial">$58.8</font></p>  </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$12.5</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$15.6</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial">$16.7</font></p>  </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Operating   income</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$28.9</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial">$39.3</font></p>  </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$9.0</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$8.7</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial">$14.1</font></p>  </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Net   income</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$80.1</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial">$57.9</font></p>  </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$16.4</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$11.2</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial">$21.1</font></p>  </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">EPS   <sup>(2)</sup></font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$2.08</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial">$1.56</font></p>  </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$0.43</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$0.31</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial">$0.58</font></p>  </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Return   on average equity</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">12.9%</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial">10.0%</font></p>  </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">10.6%</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">7.9%</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial">14.5%</font></p>  </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Tier 1 capital ratio</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">33.7%</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial">24.4%</font></p>  </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">33.7%</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">27.3%</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial">24.4%</font></p>  </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Net   interest margin</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1.70%</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial">1.76%</font></p>  </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1.77%</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1.78%</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial">1.76%</font></p>  </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Book   value per common share</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$16.19</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial">$16.07</font></p>  </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$16.19</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$15.55</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial">$16.07</font></p>  </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
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  </td>
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  <hr size="1" width="100%" noshade color=black>

  </td>
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  <hr size="1" width="100%" noshade color=black>

  </td>
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  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
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  <hr size="1" width="100%" noshade color=black>

  </td>
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  <hr size="1" width="100%" noshade color=black>

  </td>
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  <hr size="1" width="100%" noshade color=black>

  </td>
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  <hr size="1" width="100%" noshade color=black>

  </td>
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  <hr size="1" width="100%" noshade color=black>

  </td>
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  </td>
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  <td  colspan="12"  valign="top">
  <p align="justify" style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial"><sup>(2)</sup>&nbsp;&nbsp;Earnings per share calculations are based on the average number of   shares outstanding during each period.</font></p>  </td>
 </tr>
</table>




<p>
<font size="2" face="Arial"><b>Comments from the Chief Executive Officer</b></font></p>
<p align="justify">
<font size="2" face="Arial">Jaime Rivera, Bladex&#146;s Chief Executive Officer, stated the following regarding the quarter&#146;s results: </font></p>
<p align="justify">
<font size="2" face="Arial">&#147;The strong operating results for the fourth quarter bear evidence of our success at diversifying revenue sources across a stronger client franchise and a wider product range.&#160; In summary terms, the quarter was driven by the Commercial Division sustaining the momentum of the third quarter, and the Treasury Division yielding its best quarterly results since its transformation into a revenue center.&#160; Significantly, we believe that the improved operating results for the quarter reflect the benefits of our increasingly diversified revenue base.&#160;&#160; </font></p>
<p align="justify">
<font size="2" face="Arial">The fourth quarter was also significant in that the Bank reduced its non-accruing portfolio to zero.&#160; In addition, as of December 31, 2006, Bladex did not have a single cent past due on its balance sheet. </font></p>
<p align="justify">
<font size="2" face="Arial">As solid as the results for the fourth quarter were, I believe the year-on-year comparison most clearly demonstrates the underlying strength of the Bank&#146;s business.&#160; When compared to 2005, for instance, operating income rose by 36%.&#160; These figures are particularly noteworthy given that our growth this quarter was strictly organic in nature.&#160; Throughout, Bladex has maintained the stability of its portfolio indicators: 74% of the Bank&#146;s commercial portfolio remained trade finance in nature, with 71% due to mature within 12 months.&#160; As I think back on the Bank&#146;s revenue trends over 2006, I view the 77% yearly growth in the Commercial Division&#146;s operating income, excluding the restructured portfolio in Argentina, as the most relevant validation of Bladex&#146;s client and product strategy.&#160; </font></p>
<p align="justify">
<font size="2" face="Arial">From an expense management perspective --always a strength of Bladex -- we were pleased by the improvement of our efficiency ratio, which went from 46% in 2005 to 42% in 2006, despite the increased spending levels that accompany a growing business.&#160; </font></p>

<p  align=right><font size="2" face="Arial">2</font></p>

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<p align="justify">
<font size="2" face="Arial">Not evident in the solid 2006 figures, but equally important for Bank&#146;s future, are a number of internal projects undertaken to improve efficiency and the quality of internal controls.&#160; Chief among these was the installation of a state-of-the art technology platform, which allows Bladex the flexibility and speed of response needed to support the Bank&#146;s product and client plans for the coming years. </font></p>
<p align="justify">
<font size="2" face="Arial">Within a strong 2006, the one business line which trailed our expectations was digital identity, where the market for the service in Latin America is taking longer to mature than what we had anticipated.&#160; While the expenses involved by the project were relatively small, amounting to less than 3% of Bladex&#146;s budget for 2006, we concluded that the management time involved could be put to better use for development of other businesses with quicker returns.&#160; As a result, we discontinued the project. </font></p>
<p align="justify">
<font size="2" face="Arial">As Bladex moves forward in 2007, management is focusing on improving the Bank&#146;s ROE levels.&#160; We expect to be operating in a Region that will reflect the generally increased economic and political uncertainties and volatility that apply to much of the world.&#160; Along with the continued expansion of the Bank&#146;s business scope, this environment plays to Bladex&#146;s strengths.&#160; We are thus looking forward to continued progress and another solid year.&#160; Our decision to raise the common quarterly dividend reflects this improved and improving profitability.&#148;</font></p>
<p>
<font size="2" face="Arial"><b>BUSINESS OVERVIEW</b></font></p>
<p>
<font size="2" face="Arial"><b><i>Commercial Division</i></b></font></p>
<p align="justify">
<font size="2" face="Arial">The Commercial Division incorporates the Bank&#146;s financial intermediation and fee generation activities.&#160; Operating income from the Commercial Division includes net interest income from loans, fee income, and allocated operating expenses.&#160; </font></p>
<p align="justify">
<font size="2" face="Arial">For the fourth quarter 2006, operating income from the Commercial Division amounted to $8.6 million, down 12% from the previous quarter, and 43% higher than the fourth quarter 2005.&#160; The results of the 2006 quarterly decrease reflected a 5% increase in net interest income (driven by a 10% increase in the average accruing loan portfolio), offset by a $1.7 million increase in allocated operating expenses. </font></p>

<p  align="center"><font size="2" face="Arial"><img src="image001.gif" alt="Message"></font></p>
<p  align=right>
<font size="2" face="Arial">3</font></p>

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<br>

<p align="justify">
<font size="2" face="Arial">For 2006, operating income from the Commercial Division amounted to $33.7 million, up 43% from the 2005, as a result of higher lending margins (4 bps), 22% growth in the average accruing loan portfolio, and a 10% increase in other income.&#160; Excluding revenue from the impaired portfolio, operating income from the Commercial Division&#146;s increased by 77% during 2006.</font></p>
<p  align="center">
<font size="2" face="Arial"><img src="image002.gif" alt="Message"></font></p>
<p align="justify">
<font size="2" face="Arial">During the fourth quarter the Bank&#146;s average commercial portfolio increased by 4% on a sequential basis.&#160; During 2006, the Bank&#146;s average commercial portfolio grew 21%.&#160; </font></p>
<p align="justify">
<font size="2" face="Arial">As of December 31, 2006, the Bank&#146;s commercial portfolio (excluding non-accruing credits) amounted to $3,634 million, compared to $3,387 million as of September 30, 2006, and compared to $3,365 million as of December 31, 2005.&#160; Of the $3,634 million commercial portfolio outstanding as of December 31, 2006, $65 million corresponded to Bladex&#146;s new leasing activities.&#160;&#160;&#160; </font></p>
<p align="justify">
<font size="2" face="Arial">The Bank continues to expand its presence in the corporate market.&#160; As of December 31, 2006, credit to corporations represented 45% of the total commercial portfolio (excluding non-accruing credits), compared to 30% a year ago.&#160; 72% of the Bank&#146;s corporate portfolio represented trade financing (overall, 74% of the commercial portfolio consists of trade financing).&#160; </font></p>
<p align="justify">
<font size="2" face="Arial">As of December 31, 2006, 71% of the commercial portfolio was scheduled to mature within one year, compared to 77% as of September 30, 2006.</font></p>

<p  align="center"><font size="2" face="Arial"><img src="image003.gif" alt="Message"></font></p>
<p  align=right>
<font size="2" face="Arial">4</font></p>

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<br>

<p>
<font size="2" face="Arial"><b><i>Treasury Division</i></b></font></p>
<p align="justify">
<font size="2" face="Arial">The Treasury Division incorporates the Bank&#146;s investment securities, as well as proprietary asset management activities.&#160; Operating income from the Treasury Division is net of allocated operating expenses, and includes net interest income on securities, and gain and losses on derivatives and hedging activities, securities trading, securities sales, and foreign exchange transactions.&#160;&#160; </font></p>
<p align="justify">
<font size="2" face="Arial">For the fourth quarter 2006, operating income from the Treasury Division amounted $5.5 million, driven by trading gains, compared to a loss of $1.1 million during the third quarter.</font></p>
<p  align="center">
<font size="2" face="Arial"><img src="image004.gif" alt="Message"></font></p>
<p align="justify">
<font size="2" face="Arial">For 2006, operating income from the Treasury Division amounted to $5.6 million, compared to $5.4 million in 2005.&#160; </font></p>
<p align="justify">
<font size="2" face="Arial">Please refer to Exhibit IX for more detailed information on business segment analysis.</font></p>
<p>
<font size="2" face="Arial"><b>CONSOLIDATED RESULTS OF OPERATIONS</b></font></p>
<p align="justify">
<font size="2" face="Arial">Net income for the fourth quarter amounted to $21.1 million, up 87% from the third quarter 2006, driven by a $5.4 million increase in operating income, and $5.6 million in recoveries on impaired assets.&#160; Net income for 2006 was $57.9 million, down 28% from 2005, mostly due to lower credit provision reversals, reflecting the reduction of the Bank&#146;s restructured portfolio during the year.</font></p>
<p align="justify">
<font size="2" face="Arial">Operating income for fourth quarter 2006 amounted to $14.1 million, compared to $8.7 million in third quarter 2006, and to $9.0 million in fourth quarter 2005.&#160; The 63% ($5.4 million) quarterly increase in operating income was driven by gains in Treasury activities, and by increased net interest income. </font></p>

<p  align=right><font size="2" face="Arial">5</font></p>

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<p>
<font size="2" face="Arial"><b>NET INTEREST INCOME AND MARGINS</b></font></p>
<p align="justify">
<font size="2" face="Arial">The table below shows the Bank&#146;s net interest income, net interest margin, and net interest spread for the periods indicated:</font></p>



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  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">(In   US$ million, except percentages)</font></p>  </td>
  <td width="2%" valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="8%" valign="top">
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<font size="1" face="Arial">&nbsp;</font></p>  </td>
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<font size="1" face="Arial">&nbsp;</font></p>  </td>
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<font size="1" face="Arial">&nbsp;</font></p>  </td>
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<font size="1" face="Arial">&nbsp;</font></p>  </td>
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  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
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<font size="1" face="Arial">&nbsp;</font></p>  </td>
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<font size="1" face="Arial"><b>2005</b></font></p>  </td>
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<font size="1" face="Arial"><b>2006</b></font></p>  </td>
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<font size="1" face="Arial"><b>4Q05</b></font></p>  </td>
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<font size="1" face="Arial"><b>3Q06</b></font></p>  </td>
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  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
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<font size="1" face="Arial"><b>4Q06</b></font></p>  </td>
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  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Interest Income:</font></p>  </td>
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  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Accruing assets</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$108.1</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial">$200.6</font></p>  </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$34.4</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$53.6</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial">$63.0</font></p>  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Non-accruing assets</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">8.7</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial">2.7</font></p>  </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.7</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.7</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial">0.0</font></p>  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Interest Expense</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial"><u>(71.6)</u></font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial"><u>(144.5)</u></font></p>  </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial"><u>(22.6)</u></font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial"><u>(38.7)</u></font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial"><u>(46.3)</u></font></p>  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial"><b>Net Interest Income</b></font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial"><b>$45.3</b></font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial"><b>$58.8</b></font></p>  </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial"><b>$12.5</b></font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial"><b>$15.6</b></font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial"><b>$16.7</b></font></p>  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="border-top: 3px double #000000;" align=right> <font size="1" face="Times New Roman">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p style="border-top: 3px double #000000;" align=right> <font size="1" face="Times New Roman">&nbsp;</font></p></td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p style="border-top: 3px double #000000;" align=right> <font size="1" face="Times New Roman">&nbsp;</font></p></td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p style="border-top: 3px double #000000;" align=right> <font size="1" face="Times New Roman">&nbsp;</font></p></td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p style="border-top: 3px double #000000;" align=right> <font size="1" face="Times New Roman">&nbsp;</font></p> </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Net Interest Margin <sup>(1)</sup></font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1.70%</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial">1.76%</font></p>  </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1.77%</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1.78%</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial">1.76%</font></p>  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Net Interest Spread <sup>(2)</sup></font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.67%</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial">0.70%</font></p>  </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.69%</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.78%</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial">0.76%</font></p>  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr>
  <td  colspan="12"  valign="top">
  <p align="justify" style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial"><sup>(1)</sup>&nbsp;&nbsp;Net interest   income divided by average balance of interest-earning assets.</font></p>  </td>
 </tr>
 <tr>
  <td  colspan="12"  valign="top">
  <p align="justify" style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial"><sup>(2)</sup>&nbsp;&nbsp;Average rate   of average interest-earning assets, less average rate of average   interest-bearing liabilities.</font></p>  </td>
 </tr>
</table>




<p align="justify">
<font size="2" face="Arial">Net interest income for fourth quarter 2006 totaled $16.7 million, an increase of $1.2 million, or 7%, over the previous quarter, mostly due to a 10% increase in average loan portfolio balances.&#160; </font></p>
<p align="justify">
<font size="2" face="Arial">Net interest margin for fourth quarter 2006, decreased by 2 bps compared to the previous quarter, mainly due to lower interest income on the reduced impaired portfolio, and to the impact of a relatively lower equity portion within the Bank&#146;s overall funding structure.&#160;&#160;&#160; </font></p>

<p align="justify"><font size="2" face="Arial">Net interest income for 2006 increased by $13.6 million, or 30%, compared to 2005, reflecting a 26% increase in the average accruing loan and investment portfolio, as well as higher net interest margins (6 bps), the latter resulting from the impact of increasing interest rates on the Bank&#146;s available capital, wider lending spreads, and lower cost of funds.&#160; These factors were partially offset by the continued collection of the Bank&#146;s richly priced non-accruing portfolio over the period. </font></p>
<p>
<font size="2" face="Arial"><b>COMMISSION INCOME</b></font></p>
<p align="justify">
<font size="2" face="Arial">The following table provides a breakdown of commission income for the periods indicated:</font></p>



<table align="center"  border="0" style="border-collapse:collapse" cellspacing="0"  cellpadding="0"  width="70%">

 <tr>
  <td width="48%" valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">(In US$ thousands)</font></p>  </td>
  <td width="2%" valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="8%" valign="top">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td width="2%" valign="top">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td width="8%" valign="top">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td width="2%" valign="top">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td width="8%" valign="top">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td width="2%" valign="top">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td width="8%" valign="top">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td width="2%" valign="top">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td width="8%" valign="top">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td width="1%" valign="top">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p  align="center">
<font size="1" face="Arial"><b>2005</b></font></p>  </td>
  <td  valign="top">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align="center">
<font size="1" face="Arial"><b>2006</b></font></p>  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align="center">
<font size="1" face="Arial"><b>4Q05</b></font></p>  </td>
  <td  valign="top">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align="center">
<font size="1" face="Arial"><b>3Q06</b></font></p>  </td>
  <td  valign="top">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align="center">
<font size="1" face="Arial"><b>4Q06</b></font></p>  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Letters   of credit</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$3,396</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial">$4,121</font></p>  </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$1,176</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$1,116</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial">$1,208</font></p>  </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Guarantees</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2,012</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial">1,419</font></p>  </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">379</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">405</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial">245</font></p>  </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Loans   and other</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial"><u>464</u></font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial"><u>773</u></font></p>  </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial"><u>134</u></font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial"><u>233</u></font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial"><u>225</u></font></p>  </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial"><b>Commission   Income</b></font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial"><b>$5,872</b></font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial"><b>$6,313</b></font></p>  </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial"><b>$1,689</b></font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial"><b>$1,754</b></font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial"><b>$1,679</b></font></p>  </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial"><b>Commission Expense</b></font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial"><b><u>(48)</u></b></font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial"><b><u>(28)</u></b></font></p>  </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial"><b><u>(22)</u></b></font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial"><b><u>(5)</u></b></font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial"><b><u>(6)</u></b></font></p>  </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial"><b>Commission Income, net</b></font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial"><b>$5,824</b></font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial"><b>$6,285</b></font></p>  </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial"><b>$1,667</b></font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial"><b>$1,749</b></font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial"><b>$1,673</b></font></p>  </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
   <td  valign="top"><p style="margin-left:1em; text-indent:-1em"> <font size="1" face="Arial">&nbsp;</font></p></td>
   <td  valign="top"><p style="margin-left:1em; text-indent:-1em"> <font size="1" face="Arial">&nbsp;</font></p></td>
   <td  valign="bottom"><p style="border-top: 3px double #000000;" align=right> <font size="1" face="Times New Roman">&nbsp;</font></p></td>
   <td  valign="bottom"><p  align=right><font size=1 face="Arial">&nbsp;</font></p></td>
   <td  valign="bottom" bgcolor="#e6e6e6"><p style="border-top: 3px double #000000;" align=right> <font size="1" face="Times New Roman">&nbsp;</font></p></td>
   <td  valign="bottom" bgcolor="#e6e6e6"><p  align=right><font size=1 face="Arial">&nbsp;</font></p></td>
   <td  valign="bottom"><p style="border-top: 3px double #000000;" align=right> <font size="1" face="Times New Roman">&nbsp;</font></p></td>
   <td  valign="bottom"><p  align=right><font size=1 face="Arial">&nbsp;</font></p></td>
   <td  valign="bottom"><p style="border-top: 3px double #000000;" align=right> <font size="1" face="Times New Roman">&nbsp;</font></p></td>
   <td  valign="bottom"><p  align=right><font size=1 face="Arial">&nbsp;</font></p></td>
   <td  valign="bottom" bgcolor="#e6e6e6"><p style="border-top: 3px double #000000;" align=right> <font size="1" face="Times New Roman">&nbsp;</font></p></td>
   <td  valign="top" bgcolor="#e6e6e6"><p  align=right><font size=1 face="Arial">&nbsp;</font></p></td>
 </tr>
 <tr>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
</table>




<p  align=right><font size="2" face="Arial">6</font></p>

<hr size="1" width="100%" noshade color=black>
<div style="page-break-before:always"></div>
<PAGE>
<br>

<p align="justify">
<font size="2" face="Arial">Commission income, net, for fourth quarter 2006 decreased by $76 thousand, or 4%, compared to third quarter 2006, mostly due to a decreased average volume in guarantees. </font></p>
<p align="justify">
<font size="2" face="Arial">Compared to 2005, commission income, net, for 2006 increased by $461 thousand, or 8%, reflecting mostly a 12% increase in the average volume of Letters of Credit. </font></p>
<p>
<font size="2" face="Arial"><b>PROVISION FOR CREDIT LOSSES AND PORTFOLIO QUALITY</b></font></p>
<p align="justify">
<font size="2" face="Arial">The following table shows information about the provision for credit losses, for the dates indicated:</font></p>

<table align="center"  border="0" style="border-collapse:collapse" cellspacing="0"  cellpadding="0"  width="70%">

 <tr>
  <td width="48%" valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">(In   US$ million)</font></p>  </td>
  <td width="2%" valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="8%" valign="top">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td width="2%" valign="top">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td width="8%" valign="top">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td width="2%" valign="top">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td width="8%" valign="top">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td width="2%" valign="top">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td width="8%" valign="top">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td width="2%" valign="top">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td width="8%" valign="top">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td width="1%" valign="top">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p  align="center">
<font size="1" face="Arial"><b>2005</b></font></p>  </td>
  <td  valign="top">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align="center">
<font size="1" face="Arial"><b>2006</b></font></p>  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align="center">
<font size="1" face="Arial"><b>4Q05</b></font></p>  </td>
  <td  valign="top">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align="center">
<font size="1" face="Arial"><b>3Q06</b></font></p>  </td>
  <td  valign="top">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align="center">
<font size="1" face="Arial"><b>4Q06</b></font></p>  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Reversal (provision) for loan losses</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">54.2</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial">(11.8)</font></p>  </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">15.8</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(4.6)</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial">(1.5)</font></p>  </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p>
<font size="1" face="Arial">Reversal (provision) for losses on off-balance sheet   credit risk</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial"><u>(15.8)</u></font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial"><u>24.9</u></font></p>  </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial"><u>(8.3)</u></font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial"><u>7.2</u></font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial"><u>2.9</u></font></p>  </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p><font size="1" face="Arial"><b>Total reversal of provision for   credit losses before the cumulative effect on prior periods of a change in   the credit loss reserve methodology</b></font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial"><b>$38.4</b></font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial"><b>$13.0</b></font></p>  </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial"><b>$7.5</b></font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial"><b>$2.6</b></font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial"><b>$1.4</b></font></p>  </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p>
<font size="1" face="Arial">Cumulative effect on prior years (to December 31,   2004) of a change in the credit loss reserve methodology</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial"><u>2.7</u></font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial"><u>0.0</u></font></p>  </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial"><u>0.0</u></font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial"><u>0.0</u></font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial"><u>0.0</u></font></p>  </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p>
<font size="1" face="Arial"><b>Total reversal of provision for   credit losses</b></font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial"><b>$41.1</b></font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial"><b>$13.0</b></font></p>  </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial"><b>$7.5</b></font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial"><b>$2.6</b></font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial"><b>$1.4</b></font></p>  </td>
  <td  valign="bottom" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
   <td  valign="top"><p style="margin-left:1em; text-indent:-1em"> <font size="1" face="Arial">&nbsp;</font></p></td>
   <td  valign="top"><p style="margin-left:1em; text-indent:-1em"> <font size="1" face="Arial">&nbsp;</font></p></td>
   <td  valign="bottom"><p style="border-top: 3px double #000000;" align=right> <font size="1" face="Times New Roman">&nbsp;</font></p></td>
   <td  valign="bottom"><p  align=right><font size=1 face="Arial">&nbsp;</font></p></td>
   <td  valign="bottom" bgcolor="#e6e6e6"><p style="border-top: 3px double #000000;" align=right> <font size="1" face="Times New Roman">&nbsp;</font></p></td>
   <td  valign="bottom" bgcolor="#e6e6e6"><p  align=right><font size=1 face="Arial">&nbsp;</font></p></td>
   <td  valign="bottom"><p style="border-top: 3px double #000000;" align=right> <font size="1" face="Times New Roman">&nbsp;</font></p></td>
   <td  valign="bottom"><p  align=right><font size=1 face="Arial">&nbsp;</font></p></td>
   <td  valign="bottom"><p style="border-top: 3px double #000000;" align=right> <font size="1" face="Times New Roman">&nbsp;</font></p></td>
   <td  valign="bottom"><p  align=right><font size=1 face="Arial">&nbsp;</font></p></td>
   <td  valign="bottom" bgcolor="#e6e6e6"><p style="border-top: 3px double #000000;" align=right> <font size="1" face="Times New Roman">&nbsp;</font></p></td>
   <td  valign="top" bgcolor="#e6e6e6"><p  align=right><font size=1 face="Arial">&nbsp;</font></p></td>
 </tr>
 <tr>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
</table>


<p align="justify"><font size="2" face="Arial">The $1.4 million and $13.0 million reversals of provision for credit losses during the fourth quarter and 2006, respectively, were mostly driven by the reduction of specific reserves assigned to non-accruing credits in Argentina.&#160; As of December 31, 2006, the Bank had no non-accruing credits outstanding, compared to $6.1 million as of September 30, 2006, and $42.2 million as of December 31, 2005.&#160;&#160; </font></p>
<p>
<font size="2" face="Arial"><b>OPERATING EXPENSES</b></font></p>
<p align="justify">
<font size="2" face="Arial">The following table shows a breakdown of the components of operating expenses for the periods indicated:</font></p>



<table align="center"  border="0" style="border-collapse:collapse" cellspacing="0"  cellpadding="0"  width="70%">

 <tr>
  <td width="50%" valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">(In US$ thousands)</font></p>  </td>
  <td width="2%" valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="8%" valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td width="2%" valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td width="8%" valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td width="2%" valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td width="8%" valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td width="2%" valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td width="8%" valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td width="2%" valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td width="8%" valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p  align=right>
<font size="1" face="Arial"><b>2005</b></font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial"><b>2006</b></font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right>
<font size="1" face="Arial"><b>4Q05</b></font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right>
<font size="1" face="Arial"><b>3Q06</b></font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial"><b>4Q06</b></font></p>  </td>
 </tr>
 <tr>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Salaries   and other employee expenses</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p  align=right>
<font size="1" face="Arial">$13,073</font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial">$16,826</font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right>
<font size="1" face="Arial">$4,102</font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right>
<font size="1" face="Arial">$3,995</font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial">$5,806</font></p>  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Depreciation   of premises and equipment</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p  align=right>
<font size="1" face="Arial">869</font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial">1,406</font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right>
<font size="1" face="Arial">188</font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right>
<font size="1" face="Arial">464</font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial">547</font></p>  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Professional   services</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p  align=right>
<font size="1" face="Arial">3,281</font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial">2,671</font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right>
<font size="1" face="Arial">994</font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right>
<font size="1" face="Arial">502</font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial">699</font></p>  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Maintenance   and repairs</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p  align=right>
<font size="1" face="Arial">1,172</font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial">1,000</font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right>
<font size="1" face="Arial">322</font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right>
<font size="1" face="Arial">350</font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial">175</font></p>  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Other   operating expenses</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p  align=right>
<font size="1" face="Arial"><u>6,295</u></font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial"><u>7,026</u></font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right>
<font size="1" face="Arial"><u>1,801</u></font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right>
<font size="1" face="Arial"><u>1,709</u></font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial"><u>2,034</u></font></p>  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial"><b>Total Operating Expenses</b></font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p  align=right>
<font size="1" face="Arial"><b>$24,691</b></font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial"><b>$28,929</b></font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right>
<font size="1" face="Arial"><b>$7,407</b></font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right>
<font size="1" face="Arial"><b>$7,020</b></font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial"><b>$9,261</b></font></p>  </td>
 </tr>
 <tr>
   <td  valign="top"><p style="margin-left:1em; text-indent:-1em"> <font size="1" face="Arial">&nbsp;</font></p></td>
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   <td  valign="bottom"><p style="border-top: 3px double #000000;" align=right> <font size="1" face="Times New Roman">&nbsp;</font></p></td>
   <td  valign="bottom"><p  align=right><font size=1 face="Arial">&nbsp;</font></p></td>
   <td  valign="bottom" bgcolor="#e6e6e6"><p style="border-top: 3px double #000000;" align=right> <font size="1" face="Times New Roman">&nbsp;</font></p></td>
   <td  valign="bottom" bgcolor="#e6e6e6"><p  align=right><font size=1 face="Arial">&nbsp;</font></p></td>
   <td  valign="bottom"><p style="border-top: 3px double #000000;" align=right> <font size="1" face="Times New Roman">&nbsp;</font></p></td>
   <td  valign="bottom"><p  align=right><font size=1 face="Arial">&nbsp;</font></p></td>
   <td  valign="bottom"><p style="border-top: 3px double #000000;" align=right> <font size="1" face="Times New Roman">&nbsp;</font></p></td>
   <td  valign="bottom"><p  align=right><font size=1 face="Arial">&nbsp;</font></p></td>
   <td  valign="bottom" bgcolor="#e6e6e6"><p style="border-top: 3px double #000000;" align=right> <font size="1" face="Times New Roman">&nbsp;</font></p></td>
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  </td>
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  </td>
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  </td>
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  </td>
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  </td>
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  </td>
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  </td>
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</table>




<p  align=right><font size="2" face="Arial">7</font></p>

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<div style="page-break-before:always"></div>
<PAGE>
<br>

<p align="justify">
<font size="2" face="Arial"><b><i>4Q06 vs. 3Q06 </i></b></font></p>
<p align="justify">
<font size="2" face="Arial">During fourth quarter 2006, operating expenses increased $2.2 million, or 32%.&#160; The increase was mainly due to expenses associated with severance payments and variable compensation, increased depreciation expenses related to the Bank&#146;s new technology platform, increased marketing expense, and legal and auditing fees related to the Bank&#146;s new leasing and treasury activities.&#160;&#160; </font></p>
<p align="justify">
<font size="2" face="Arial"><b><i>2006 vs. 2005 </i></b></font></p>
<p align="justify">
<font size="2" face="Arial">During 2006, total operating expenses amounted to $28.9 million, compared to $24.7 million in 2005.&#160; The $4.2 million, or 17% increase, was mostly due to higher salary expenses associated with the development of the corporate segment and the implementation of new business initiatives, including proprietary asset management, leasing, and digital identity, as well as increased depreciation expenses related to the Bank&#146;s new technology platform.&#160;&#160;&#160; </font></p>
<p align="justify">
<font size="2" face="Arial">Excluding expenses related to new initiatives, year-to-date core business expenses grew 9%, while operating revenues increased 27%.&#160; With operating revenues growing 27%, twice as fast as expenses, the Bank&#146;s efficiency ratio improved from 46% in 2005 to 42% in 2006.</font></p>
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<font size="2" face="Arial"><img src="image006.gif" alt="Message"></font></p>  </td>
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  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="49%" valign="top">
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<font size="2" face="Arial"><img src="image005.gif" alt="Message"></font></p>  </td>
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</table>

<p>
<font size="2" face="Arial"><b>PERFORMANCE AND CAPITAL RATIOS</b></font></p>
<p align="justify">
<font size="2" face="Arial">The following table sets forth the return on average stockholders&#146; equity and the return on average assets for the periods indicated:&#160; </font></p>



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  <td width="8%" valign="top">
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  </td>
  <td width="8%" valign="top">
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  </td>
  <td width="8%" valign="top">
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  </td>
  <td width="2%" valign="top">
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  </td>
  <td width="8%" valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
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  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p  align=right>
<font size="1" face="Arial"><b>2005</b></font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial"><b>2006</b></font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right>
<font size="1" face="Arial"><b>4Q05</b></font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right>
<font size="1" face="Arial"><b>3Q06</b></font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial"><b>4Q06</b></font></p>  </td>
 </tr>
 <tr>
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  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
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  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">ROE (return on average   stockholders&#146; equity)</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p  align=right>
<font size="1" face="Arial">12.9%</font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial">10.0%</font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right>
<font size="1" face="Arial">10.6%</font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right>
<font size="1" face="Arial">7.9%</font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial">14.5%</font></p>  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">ROA (return on average assets)</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p  align=right>
<font size="1" face="Arial">3.0%</font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial">1.7%</font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right>
<font size="1" face="Arial">2.3%</font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right>
<font size="1" face="Arial">1.3%</font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial">2.2%</font></p>  </td>
 </tr>
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  <hr size="1" width="100%" noshade color=black>

  </td>
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  <hr size="1" width="100%" noshade color=black>

  </td>
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  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
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  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top" bgcolor="#e6e6e6">
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<p  align=right><font size="2" face="Arial">8</font></p>

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<div style="page-break-before:always"></div>
<PAGE>
<br>

<p align="justify">
<font size="2" face="Arial">Although the Bank is not subject to the capital adequacy requirements of the U.S. Federal Reserve Board, if the U.S. Federal Reserve Board risk-based capital adequacy requirements were applied, the Bank&#146;s Tier 1 and Total Capital Ratios at the dates indicated would be as follows:&#160; </font></p>



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  </td>
  <td width="2%" valign="top">
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  </td>
  <td width="10%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="2%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="10%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="2%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="10%" valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
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  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right>
<font size="1" face="Arial"><b>31-DEC-05</b></font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right>
<font size="1" face="Arial"><b>30-SEP-06</b></font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial"><b>31-DEC-06</b></font></p>  </td>
 </tr>
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  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <hr size="1" width="100%" noshade color=black>

  </td>
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  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Tier 1 Capital Ratio</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right>
<font size="1" face="Arial">33.7%</font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right>
<font size="1" face="Arial">27.3%</font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial">24.4%</font></p>  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Total Capital Ratio</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right>
<font size="1" face="Arial">35.0%</font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align=right>
<font size="1" face="Arial">28.5%</font></p>  </td>
  <td  valign="top">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top" bgcolor="#e6e6e6">
  <p  align=right>
<font size="1" face="Arial">25.7%</font></p>  </td>
 </tr>
 <tr>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
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<p align="justify"><font size="2" face="Arial">As of December 31, 2006, the number of common shares outstanding was 36.3 million, compared to 38.1 million as of December 31, 2006, reflecting the completion of the Bank&#146;s $50 million open market share repurchase program.&#160; </font></p>
<p>
<font size="2" face="Arial"><b>OTHER EVENTS</b></font></p>
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<font size="2" face="Arial"><b>Increased Quarterly Common Dividend:&#160;   </b>On February 13, 2007, the Bank&#146;s Board of   Directors declared an increase in the quarterly dividend from $0.1875 per   share to $0.22 per share, which will be payable on April 10, 2007, to   shareholders of record as of March 30, 2007.</font></p>  </td>
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<font size="2" face="Arial">&#149;</font></p>  </td>
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<font size="2" face="Arial"><b>Quarterly Common Dividend Payments &#150; </b>On   January 18, 2007, the Bank paid a regular quarterly dividend of $0.1875 per   share pertaining to the fourth quarter to stockholders of record as of   January 8, 2007.</font></p>  </td>
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<p>
<font size="2" face="Arial"><b>Note: </b>Various numbers and percentages set forth in this press release have been rounded and, accordingly, may not total exactly.&#160; </font></p>
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<font size="2" face="Arial">9</font></p>

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<p>
<font size="2" face="Arial"><b>SAFE HARBOR STATEMENT</b></font></p>
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  <p align="justify"><font size="2" face="Arial"><i>This press release contains forward-looking   statements of expected future developments.&#160;   The Bank wishes to ensure that such statements are accompanied by   meaningful cautionary statements pursuant to the safe harbor established by   the Private Securities Litigation Reform Act of 1995.&#160; The forward-looking statements in this   press release refer to the growth of the credit portfolio, including the   trade portfolio, the increase in the number of the Bank&#146;s corporate clients,   the positive trend of lending spreads, the increase in activities engaged in   by the Bank that are derived from the Bank&#146;s client base, anticipated operating   income and return on equity in future periods, including income derived from   the treasury function, the improvement in the financial and performance   strength of the Bank and the progress the Bank is making.&#160; These forward-looking statements reflect the   expectations of the
Bank&#146;s management and are based on currently available   data; however, actual experience with respect to these factors is subject to   future events and uncertainties, which could materially impact the Bank&#146;s   expectations.&#160; Among the factors that   can cause actual performance and results to differ materially are as follows:   the anticipated growth of the Bank&#146;s credit portfolio; the continuation of   the Bank&#146;s preferred creditor status; the impact of increasing interest rates   and of improving macroeconomic environment in the Region on the Bank&#146;s   financial condition; the execution of the Bank&#146;s strategies and initiatives,   including its revenue diversification strategy; the adequacy of the Bank&#146;s   allowance for credit losses; the need for additional provisions for credit   losses; the Bank&#146;s ability to achieve future growth, to reduce its liquidity   levels and increase its leverage; the Bank&#146;s ability to maintain its   investment-grade
credit ratings; the availability and mix of future sources   of funding for the Bank&#146;s lending operations; potential trading losses; the   possibility of fraud; and the adequacy of the Bank&#146;s sources of liquidity to   replace large deposit withdrawals.</i></font></p>  </td>
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<p>
<font size="2" face="Arial"><b>About Bladex</b></font></p>

<p align="justify"><font size="2" face="Arial">Bladex is a supranational bank originally established by the Central Banks of Latin American and Caribbean countries to support trade finance in the Region.&#160; Based in Panama, its shareholders include central banks and state-owned entities in 23 countries in the Region, as well as Latin American and international commercial banks, along with institutional and retail investors.&#160; Through December 31, 2006, Bladex had disbursed accumulated credits of over $144 billion.</font></p>
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<font size="2" face="Arial">10</font></p>

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<font size="2" face="Arial">CONSOLIDATED BALANCE SHEETS</font></p>  </td>
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<font size="2" face="Arial">EXHIBIT   I</font></p>  </td>
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<font size="1" face="Arial"><b>(A)<br>   Dec. 31, 2005</b></font></p>  </td>
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<font size="1" face="Arial"><b>(B)<br>   Sep. 30, 2006</b></font></p>  </td>
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<font size="1" face="Arial"><b>(C)<br>   Dec. 31, 2006</b></font></p>  </td>
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<font size="1" face="Arial"><b>(C) - (B)<br>   CHANGE</b></font></p>  </td>
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<font size="1" face="Arial"><b>(C) - (A)<br>   CHANGE</b></font></p>  </td>
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  <p  align="center"><font size="1" face="Arial"><b>(In   US$ million)</b></font></p>  </td>
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<font size="1" face="Arial">ASSETS</font></p>  </td>
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<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Cash and due from banks <sup>(1)</sup></font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$230</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$147</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$332</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$185</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">126</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$102</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">44</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Trading assets</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">88</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">130</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">42</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">48</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">130</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">n.a.</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">(*)</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Securities available for   sale</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">182</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">330</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">346</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">16</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">164</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">90</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Securities held to maturity</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">27</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">135</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">125</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(9</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(7</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">99</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">372</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Loans</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2,610</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2,794</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2,981</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">187</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">7</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">371</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">14</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p  style="margin-left:3em; text-indent:-1em"><font size="1" face="Arial">Less:</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p  style="margin-left:5em; text-indent:-1em"><font size="1" face="Arial">Allowance   for loan losses</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(39</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(50</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(51</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(2</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">3</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(12</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">30</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p  style="margin-left:5em; text-indent:-1em"><font size="1" face="Arial">Unearned   income and deferred loan fees</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(6</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(4</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(4</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">3</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(21</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p  style="margin-left:3em; text-indent:-1em"><font size="1" face="Arial">Loans,   net</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2,565</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2,740</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2,925</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">185</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">7</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">360</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">14</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Customers&#146; liabilities   under acceptances</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">111</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">13</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">46</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">33</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">251</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(65</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(58</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Premises and equipment, net</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">3</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">8</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">11</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">3</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">36</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">8</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">242</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Accrued interest receivable</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">30</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">49</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">55</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">6</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">12</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">25</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">83</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Other assets</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">12</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">11</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">7</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(4</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(37</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(4</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(37</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">TOTAL ASSETS</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$3,159</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$3,521</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$3,978</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$457</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">13</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$819</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">26</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">LIABILITIES AND   STOCKHOLDERS&#146; EQUITY</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Deposits:</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p  style="margin-left:5em; text-indent:-1em">
<font size="1" face="Arial">Demand</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$28</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$105</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$132</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$27</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">26</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$104</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">366</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p  style="margin-left:5em; text-indent:-1em"><font size="1" face="Arial">Time</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1,018</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">999</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">924</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(75</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(7</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(94</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(9</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Total Deposits</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1,047</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1,104</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1,056</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(47</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(4</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">10</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Securities sold under   repurchase agreements</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">129</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">439</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">438</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">310</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">241</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Short-term borrowings</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">632</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">770</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1,157</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">388</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">50</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">525</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">83</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Medium and long-term debt   and borrowings</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">534</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">462</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">559</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">97</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">21</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">25</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Trading liabilities</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">64</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">55</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(9</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(14</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">55</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">n.a.</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">(*)</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Acceptances outstanding</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">111</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">13</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">46</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">33</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">251</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(65</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(58</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Accrued interest payable</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">15</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">32</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">28</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(3</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(11</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">14</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">93</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Reserve for losses on   off-balance sheet credit risk</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">52</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">30</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">27</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(3</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(10</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(25</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(48</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Redeemable preferred stock   (US$10 par value)</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(5</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(100</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Other liabilities</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">19</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">44</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">27</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(17</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(39</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">9</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">46</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">TOTAL LIABILITIES</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$2,542</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$2,957</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$3,394</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$437</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">15</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$852</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">34</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">STOCKHOLDERS&#146; EQUITY</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Common stock, no par value,   assigned value of US$6.67</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">280</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">280</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">280</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Additional paid-in capital   in exces of assigned value</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">134</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">135</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">135</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Capital reserves</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">95</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">95</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">95</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Retained earnings</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">213</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">190</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">205</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Accumulated other   comprehensive income</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(1</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">3</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Treasury stock</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(106</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(135</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(135</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p  style="margin-left:3em; text-indent:-1em">
<font size="1" face="Arial">TOTAL   STOCKHOLDERS&#146; EQUITY</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$617</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$564</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$584</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$20</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">3</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">($33</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(5</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)%</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p  style="margin-left:3em; text-indent:-1em"><font size="1" face="Arial">TOTAL   LIABILITIES AND STOCKHOLDERS&#146; EQUITY</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$3,159</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$3,521</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$3,978</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$457</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">13</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$819</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">26</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
</table>


<table align="center"  border="0" style="border-collapse:collapse" cellspacing="0"  cellpadding="0"  width="100%">

 <tr>
  <td width="5%">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="95%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p>
<font size="1" face="Arial"><sup>(1)</sup></font></p>  </td>
  <td  valign="top">
  <p>
<font size="2" face="Arial">Cash and due from banks includes pledged of deposit
in the amount of US$33 million at December 31, 2006, US$59 million at September
30, 2006, and US$5 million at December 31, 2005.</font></p> </td>
 </tr>
 <tr>
  <td  valign="top">
  <p>
<font size="1" face="Arial">(*)</font></p>  </td>
  <td  valign="top">
  <p>
<font size="2" face="Arial">&#147;n.a.&#148; means not   applicable.</font></p>  </td>
 </tr>
</table>

<p  align=right>
<font size="2" face="Arial">11</font></p>

<hr size="1" width="100%" noshade color=black>
<div style="page-break-before:always"></div>
<PAGE>
<br>

<table align="center"  border="0" style="border-collapse:collapse" cellspacing="0"  cellpadding="0"  width="100%">

 <tr>
  <td width="12%" valign="top">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td width="76%" valign="top">
  <p  align="center">
<font size="2" face="Arial">CONSOLIDATED STATEMENTS OF INCOME</font></p>  </td>
  <td width="12%" valign="top">
  <p  align=right>
<font size="2" face="Arial">EXHIBIT   II</font></p>  </td>
 </tr>
</table>

<br>
<table align="center"  border="0" style="border-collapse:collapse" cellspacing="0"  cellpadding="0"  width="100%">

 <tr>
  <td width="29%" valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="2%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="8%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="2%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="8%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="2%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="8%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="2%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="6%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="2%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="6%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="2%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="6%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="2%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="6%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="8"  valign="bottom">
  <p  align="center"><font size="1" face="Arial"><b>FOR THE   THREE MONTHS ENDED</b></font></p>  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="8"  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="2" valign="bottom">
  <p  align="center"><font size="1" face="Arial"><b>(A)<br>   Dec. 31, 2005</b></font></p>  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="2" valign="bottom">
  <p  align="center">
<font size="1" face="Arial"><b>(B)<br>   Sep. 30, 2006</b></font></p>  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="2" valign="bottom">
  <p  align="center">
<font size="1" face="Arial"><b>(C)<br>   Dec. 31, 2006</b></font></p>  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="2" valign="bottom">
  <p  align="center">
<font size="1" face="Arial"><b>(C) - (B)<br>   CHANGE</b></font></p>  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="2" valign="bottom">
  <p  align="center">
<font size="1" face="Arial"><b>%</b></font></p>  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="2" valign="bottom">
  <p  align="center">
<font size="1" face="Arial"><b>(C) - (A)<br>   CHANGE</b></font></p>  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="2" valign="bottom">
  <p  align="center">
<font size="1" face="Arial"><b>%</b></font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="8"  valign="middle">
  <p  align="center"><font size="1" face="Arial"><b>(In   US$ thousand, except per share data</b></font><font size="1" face="Arial"><b>)</b></font></p>  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">INCOME STATEMENT DATA:</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Interest income</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$35,127</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$54,268</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$63,016</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$8,748</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">16</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$27,888</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">79</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Interest expense</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(22,630</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(38,687</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(46,278</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(7,591</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">20</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(23,648</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">105</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">NET INTEREST INCOME</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">12,498</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">15,582</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">16,738</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1,156</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">7</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">4,240</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">34</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Reversal (provision) for   loan losses</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">15,803</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(4,575</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(1,526</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">3,050</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(67</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(17,329</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(110</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">NET INTEREST INCOME AFTER REVERSAL (PROVISION) FOR LOAN LOSSES</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">28,301</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">11,006</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">15,212</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">4,206</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">38</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(13,088</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(46</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">OTHER INCOME (EXPENSE):</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Reversal (provision) for   losses on off-balance sheet credit risk</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(8,283</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">7,158</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2,949</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(4,209</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(59</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">11,232</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(136</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Fees and commissions, net</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1,667</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1,749</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1,673</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(76</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(4</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">6</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Derivatives and hedging   activities</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2,336</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(63</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">115</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">179</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(282</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(2,221</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(95</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Recoveries on assets, net   of impairments</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5,551</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5,551</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5,551</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">n.a.</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">(*)</font></p>  </td>
 </tr>
  <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Trading gains (losses)</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(1,594</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">4,849</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">6,443</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(404</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">4,849</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">n.a.</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">(*)</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Net gains on sale of   securities available for sale</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(40</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">n.a.</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">(*)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">40</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(100</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
 </tr>
  <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Gain (loss) on foreign   currency exchange</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(29</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(57</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(67</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(10</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">18</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(38</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">131</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Other income, net</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">3</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">71</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">49</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(21</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(30</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">47</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1,796</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">NET OTHER INCOME (EXPENSE)</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(4,347</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">7,263</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">15,118</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">7,856</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">108</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">19,465</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(448</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">OPERATING EXPENSES:</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Salaries and other employee   expenses</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(4,102</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(3,995</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(5,806</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(1,811</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">45</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(1,704</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">42</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Depreciation of premises   and equipment</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(188</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(464</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(547</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(83</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">18</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(359</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">191</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Professional services</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(994</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(502</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(699</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(197</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">39</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">295</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(30</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Maintenance and repairs</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(322</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(350</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(175</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">175</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(50</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">146</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(46</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Other operating expenses</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(1,801</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(1,709</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(2,034</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(325</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">19</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(233</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">13</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">TOTAL OPERATING EXPENSES</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(7,407</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(7,020</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(9,261</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(2,241</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">32</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(1,853</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">25</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>

<tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">INCOME BEFORE CUMULATIVE EFFECT OF CHANGE IN ACCOUNTING PRINCIPLE</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$16,546</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$11,249</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$21,070</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$9,821</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">87</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$4,524</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">27</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Cumulative effect on prior   years (to Dec. 31, 2004) of an early adoption of the fair-value based method   of accounting stock-based employee compensation</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(150</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">n.a.</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">(*)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">150</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(100</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">NET INCOME</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$16,396</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$11,249</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$21,070</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$9,821</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">87</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$4,674</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">29</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">PER COMMON SHARE DATA:</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Net income per share</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.43</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.31</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.58</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Diluted earnings per share</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.43</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.31</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.57</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Average basic shares</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">38,097</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">36,335</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">36,329</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Average diluted shares</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">38,420</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">36,859</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">36,853</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">PERFORMANCE RATIOS:</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Return on average assets</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2.3</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1.3</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2.2</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Return on average   stockholders&#146; equity</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">10.6</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">7.9</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">14.5</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Net interest margin</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1.77</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1.78</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1.76</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Net interest spread</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.69</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.78</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.76</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Total operating expenses to   total average assets</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1.03</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.79</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.96</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
</table>


<table align="center"  border="0" style="border-collapse:collapse" cellspacing="0"  cellpadding="0"  width="100%">

 <tr>
  <td width="5%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="94%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p>
<font size="2" face="Arial">(*)</font></p>  </td>
  <td  valign="top">
  <p>
<font size="2" face="Arial">&#147;n.a.&#148; means not   applicable.</font></p>  </td>
 </tr>
</table>

<p  align=right>
<font size="2" face="Arial">12</font></p>

<hr size="1" width="100%" noshade color=black>
<div style="page-break-before:always"></div>
<PAGE>
<br>

<table align="center"  border="0" style="border-collapse:collapse" cellspacing="0"  cellpadding="0"  width="100%">

 <tr>
  <td width="12%" valign="top">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td width="76%" valign="top">
  <p  align="center">
<font size="2" face="Arial">SUMMARY OF CONSOLIDATED FINANCIAL DATA</font></p>  </td>
  <td width="12%" valign="top">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <p  align="center">
<font size="2" face="Arial">(Consolidated Statements of Income, Balance Sheets, and Selected   Financial Ratios)</font></p>  </td>
  <td  valign="top">
  <p  align=right>
<font size="2" face="Arial">EXHIBIT   III</font></p>  </td>
 </tr>
</table>

<br>
<table align="center"  border="0" style="border-collapse:collapse" cellspacing="0"  cellpadding="0"  width="100%">

 <tr>
  <td width="70%" valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="2%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="11%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="2%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="11%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="5"  valign="bottom">
  <p  align="center"><font size="1" face="Arial"><b>FOR THE   YEAR ENDED<br>   DECEMBER 31,</b></font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  colspan="5"  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td colspan="2"  valign="bottom">

  <p  align="center">
  <font size="1" face="Arial"><b>2005</b></font></p></td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td colspan="2"  valign="bottom">
    <p  align="center">
  <font size="1" face="Arial"><b>2006</b></font></p></td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial"><b>(In US$ thousand, except per share amounts &amp; ratios)</b></font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">INCOME STATEMENT DATA:</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Net interest income</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$45,253</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$58,837</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Fees and commissions, net</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5,824</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">6,285</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Reversal of provision for   loan and off-balance sheet credit losses, net</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">38,374</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">13,045</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Derivatives and hedging   activities</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2,338</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(225</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Recoveries on assets, net   of impairments</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">10,206</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5,551</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Trading gains</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">879</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Net gains on sale of   securities available for sale</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">206</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2,568</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Gain (loss) on foreign   currency exchange</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">3</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(253</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Other income, net</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">143</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Operating expenses</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(24,691</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(28,929</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">INCOME BEFORE CUMULATIVE   EFFECT OF CHANGES IN ACCOUNTING PRINCIPLE</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$77,518</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$57,902</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Cumulative effect on prior   years (to Dec. 31, 2004) of a change in the credit loss reserve methodology</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2,733</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Cumulative effect on prior   years (to Dec. 31, 2004) of an early adoption of the fair-value based method   of accounting stock-based employee compensation</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(150</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">NET INCOME</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$80,101</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$57,902</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">BALANCE SHEET DATA (In   US$ millions):</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Investment securities and   trading assets</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">209</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">601</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Loans, net</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2,565</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2,925</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Total assets</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">3,159</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">3,978</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Deposits</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1,047</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1,056</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Trading liabilities</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">55</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Securities sold under   repurchase agreements</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">129</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">438</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Short-term borrowings</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">632</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1,157</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Medium and long-term debt   and borrowings</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">534</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">559</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Total liabilities</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2,542</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">3,394</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Stockholders&#146; equity</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">617</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">584</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">PER COMMON SHARE DATA:</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Net income per share</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2.08</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1.56</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Diluted earnings per share</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2.06</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1.54</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Book value (period average)</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">16.17</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">15.68</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Book value (period end)</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">16.19</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">16.07</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Average basic shares</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">38,550</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">37,065</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Average diluted shares</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">38,861</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">37,572</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Basic shares period end</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">38,097</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">36,329</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">SELECTED FINANCIAL RATIOS:</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">PERFORMANCE RATIOS:</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Return on average assets</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">3.0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1.7</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Return on average   stockholders&#146; equity</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">12.9</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">10.0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Net interest margin</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1.70</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1.76</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Net interest spread</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.67</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.70</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Total operating expenses to   total average assets</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.93</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.85</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">ASSET QUALITY RATIOS:</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Non-accruing loans and   investments to total loan and selected investment portfolio <sup>(1)</sup></font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1.02</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.00</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Charge offs net of recoveries   to total loan portfolio <sup>(1)</sup></font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.26</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.00</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Allowance for loan losses   to total loan portfolio <sup>(1)</sup></font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1.51</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1.72</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Allowance for losses on   off-balance sheet credit risk to total contingencies</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">6.56</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">4.18</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">CAPITAL RATIOS:</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Stockholders&#146; equity to   total assets</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">19.5</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">14.7</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Tier 1 capital to   risk-weighted assets</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">33.7</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">24.4</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Total capital to   risk-weighted assets</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">35.0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">25.7</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
 </tr>
</table>


<table align="center"  border="0" style="border-collapse:collapse" cellspacing="0"  cellpadding="0"  width="100%">

 <tr>
  <td width="5%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="95%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p>
<font size="2" face="Arial"><sup>(1)</sup></font></p>  </td>
  <td  valign="top">
  <p>
<font size="2" face="Arial">Loan portfolio is   presented net of unearned income and deferred loan fees.</font></p>  </td>
 </tr>
</table>

<p  align=right>
<font size="2" face="Arial">13</font></p>

<hr size="1" width="100%" noshade color=black>
<div style="page-break-before:always"></div>
<PAGE>
<br>

<table align="center"  border="0" style="border-collapse:collapse" cellspacing="0"  cellpadding="0"  width="100%">

 <tr>
  <td width="12%" valign="top">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td width="76%" valign="top">
  <p  align="center"><font size="2" face="Arial">CONSOLIDATED STATEMENTS OF INCOME</font></p>  </td>
  <td width="12%" valign="top">
  <p  align=right>
<font size="2" face="Arial">EXHIBIT   IV</font></p>  </td>
 </tr>
</table>

<br>
<table align="center"  border="0" style="border-collapse:collapse" cellspacing="0"  cellpadding="0"  width="100%">

 <tr>
  <td width="50%" valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="2%" valign="top">
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  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="9%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="2%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="9%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="2%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="9%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="2%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="9%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="2%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="5"  valign="bottom">
  <p  align="center"><font size="1" face="Arial"><b>FOR THE   YEAR ENDED<br>   DECEMBER 31,</b></font></p>  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="5"  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="2" valign="bottom">
  <p  align="center">
<font size="1" face="Arial"><b>2005</b></font></p>  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="2" valign="bottom">
  <p  align="center">
<font size="1" face="Arial"><b>2006</b></font></p>  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="2" valign="bottom">
  <p  align="center">
<font size="1" face="Arial"><b>CHANGE</b></font></p>  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="2" valign="bottom">
  <p  align="center">
<font size="1" face="Arial"><b>%</b></font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="5"  valign="bottom">
  <p  align="center"><font size="1" face="Arial"><b>(In   US$ thousand)</b></font></p>  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">INCOME STATEMENT DATA:</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Interest income</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$116,823</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$203,350</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$86,527</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">74</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Interest expense</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(71,570</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(144,513</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(72,943</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">102</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">NET INTEREST INCOME</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">45,253</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">58,837</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">13,584</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">30</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Reversal (provision) for   loan losses</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">54,155</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(11,846</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(66,001</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(122</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">NET INTEREST INCOME AFTER   REVERSAL (PROVISION) FOR LOAN LOSSES</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">99,408</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">46,991</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(52,417</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(53</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">OTHER INCOME (EXPENSE):</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Reversal (provision) for   losses on off-balance sheet credit risk</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(15,781</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">24,891</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">40,673</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(258</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Fees and commissions, net</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5,824</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">6,285</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">461</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">8</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Derivatives and hedging   activities</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2,338</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(225</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(2,563</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(110</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Recoveries on assets, net   of impairments</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">10,206</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5,551</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(4,655</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(46</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Trading gains</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">879</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">879</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">n.a.</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">(*)</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Net gains on sale of   securities available for sale</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">206</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2,568</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2,362</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1,148</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Gain (loss) on foreign   currency exchange</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">3</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(253</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(256</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(8,413</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Other income, net</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">143</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">138</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2,800</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">NET OTHER INCOME (EXPENSE)</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2,801</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">39,840</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">37,039</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1,323</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">OPERATING EXPENSES:</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Salaries and other employee   expenses</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(13,073</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(16,826</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(3,752</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">29</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Depreciation of premises   and equipment</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(869</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(1,406</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(537</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">62</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Professional services</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(3,281</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(2,671</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">610</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(19</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Maintenance and repairs</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(1,172</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(1,000</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">172</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(15</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Other operating expenses</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(6,295</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(7,026</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(731</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">12</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">TOTAL OPERATING EXPENSES</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(24,691</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(28,929</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(4,238</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">17</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">INCOME BEFORE CUMULATIVE   EFFECT OF CHANGES IN ACCOUNTING PRINCIPLE</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$77,518</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$57,902</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">($19,616</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(25</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Cumulative effect on prior   years (to Dec. 31, 2004) of a change in the credit loss reserve methodology</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2,733</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(2,733</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(100</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Cumulative effect on prior   years (to Dec. 31, 2004) of an early adoption of the fair-value based method   of accounting stock-based employee compensation</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(150</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">150</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(100</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">NET INCOME</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$80,101</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$57,902</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">($22,200</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(28</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)%</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
</table>

<table align="center"  border="0" style="border-collapse:collapse" cellspacing="0"  cellpadding="0"  width="100%">


 <tr>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p>
<font size="2" face="Arial">(*)</font></p>  </td>
  <td  valign="top">
  <p>
<font size="2" face="Arial">&#147;n.a.&#148; means not   applicable.</font></p>  </td>
 </tr>
</table>

<p  align=right>
<font size="2" face="Arial">14</font></p>

<hr size="1" width="100%" noshade color=black>
<div style="page-break-before:always"></div>
<PAGE>
<br>

<table align="center"  border="0" style="border-collapse:collapse" cellspacing="0"  cellpadding="0"  width="100%">

 <tr>
  <td width="12%" valign="top">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td width="76%" valign="top">
  <p  align="center">
<font size="2" face="Arial">CONSOLIDATED NET INTEREST INCOME AND AVERAGE BALANCES</font></p>  </td>
  <td width="12%" valign="top">
  <p  align=right>
<font size="2" face="Arial">EXHIBIT   V</font></p>  </td>
 </tr>
</table>

<br>
<table align="center"  border="0" style="border-collapse:collapse" cellspacing="0"  cellpadding="0"  width="100%">

 <tr>
  <td width="20%" valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="7%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="7%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="6%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="7%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="7%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="6%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="7%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="7%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="6%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="26"  valign="bottom">
  <p  align="center"><font size="1" face="Arial"><b>FOR THE   THREE MONTHS ENDED,</b></font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="26"  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="8"  valign="bottom">
  <p  align="center">
<font size="1" face="Arial"><b>December   31, 2005</b></font></p>  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="8"  valign="bottom">
  <p  align="center">
<font size="1" face="Arial"><b>September   30, 2006</b></font></p>  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="8"  valign="bottom">
  <p  align="center">
<font size="1" face="Arial"><b>December   31, 2006</b></font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="8"  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="8"  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="8"  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="2" valign="bottom">
  <p  align="center"><font size="1" face="Arial"><b>AVERAGE<br>   BALANCE</b></font></p>  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="2" valign="bottom">
  <p  align="center">
<font size="1" face="Arial"><b>INTEREST</b></font></p>  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="2" valign="bottom">
  <p  align="center">
<font size="1" face="Arial"><b>AVG.<br>   RATE</b></font></p>  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="2" valign="bottom">
  <p  align="center">
<font size="1" face="Arial"><b>AVERAGE<br>   BALANCE</b></font></p>  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="2" valign="bottom">
  <p  align="center">
<font size="1" face="Arial"><b>INTEREST</b></font></p>  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="2" valign="bottom">
  <p  align="center">
<font size="1" face="Arial"><b>AVG.<br>   RATE</b></font></p>  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="2" valign="bottom">
  <p  align="center">
<font size="1" face="Arial"><b>AVERAGE<br>   BALANCE</b></font></p>  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="2" valign="bottom">
  <p  align="center">
<font size="1" face="Arial"><b>INTEREST</b></font></p>  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="2" valign="bottom">
  <p  align="center">
<font size="1" face="Arial"><b>AVG.<br>   RATE</b></font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="26"  valign="bottom">
  <p  align="center"><font size="1" face="Arial"><b>(In   US$ million)</b></font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">INTEREST EARNING ASSETS</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Interest-bearing deposits   with banks</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$161</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$1.6</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">4.00</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$200</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$2.7</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5.28</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$151</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$1.9</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5.01</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Loans, net of unearned   income &amp; deferred loan fees</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2,375</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">29.6</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">4.87</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2,741</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">43.7</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">6.24</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">3,026</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">49.2</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">6.37</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Impaired loans</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">40</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.7</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">6.86</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">22</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.7</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">12.77</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">8.05</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Trading assets</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">n.a.   </font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">(*)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">33</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.2</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2.54</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">128</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">4.9</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">15.10</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Investment securities</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">231</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">3.2</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5.45</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">469</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">7.0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5.80</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">463</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">6.9</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5.84</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">TOTAL INTEREST EARNING   ASSETS</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$2,807</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$35.1</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">4.90</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$3,465</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$54.3</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">6.13</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$3,768</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$63.0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">6.54</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Non interest earning assets</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">103</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">79</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">93</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Allowance for loan losses</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(58</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(45</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(50</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Other assets</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">12</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">23</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">27</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">TOTAL ASSETS</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$2,865</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$3,522</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$3,839</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">INTEREST BEARING   LIABILITITES</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Deposits</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$989</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$10.3</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">4.07</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$1,205</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$16.3</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5.28</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$1,092</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$14.9</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5.33</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Trading liabilities</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">n.a.</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">(*)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">31</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.4</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">4.52</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">72</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">3.6</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">19.35</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Securities sold under   repurchase agreement and short-term borrowings</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">572</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5.9</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">4.03</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1,132</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">15.3</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5.30</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1,465</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">20.4</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5.44</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Medium and long-term debt   and borrowings</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">544</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">6.4</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">4.63</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">465</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">6.7</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5.65</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">503</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">7.5</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5.82</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">TOTAL INTEREST BEARING   LIABILITIES</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$2,106</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$22.6</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">4.21</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$2,832</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$38.7</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5.34</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$3,132</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$46.3</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5.78</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Non interest bearing   liabilities and other liabilities</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$147</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$126</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$132</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">TOTAL LIABILITIES</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2,252</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2,958</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">3,264</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">STOCKHOLDERS&#146; EQUITY</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">612</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">564</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">575</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">TOTAL LIABILITIES AND   STOCKHOLDERS&#146; EQUITY</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$2,865</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$3,522</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$3,839</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">NET INTEREST SPREAD</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.69</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.78</font></p>  </td>
  <td  valign="bottom">
  <p>
    <font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.76</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">NET INTEREST INCOME AND NET   INTEREST MARGIN</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$12.5</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1.77</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$15.6</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1.78</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$16.7</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1.76</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
</table>


<table align="center"  border="0" style="border-collapse:collapse" cellspacing="0"  cellpadding="0"  width="100%">

 <tr>
  <td width="5%" valign="top">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="95%" valign="top">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p>
<font size="2" face="Arial">(*)</font></p>  </td>
  <td  valign="top">
  <p>
<font size="2" face="Arial">&#147;n.a.&#148; means not   applicable.</font></p>  </td>
 </tr>
</table>

<p  align=right>
<font size="2" face="Arial">15</font></p>

<hr size="1" width="100%" noshade color=black>
<div style="page-break-before:always"></div>
<PAGE>
<br>

<table align="center"  border="0" style="border-collapse:collapse" cellspacing="0"  cellpadding="0"  width="100%">

 <tr>
  <td width="12%" valign="top">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td width="76%" valign="top">
  <p  align="center">
<font size="2" face="Arial">CONSOLIDATED NET INTEREST INCOME AND AVERAGE BALANCES</font></p>  </td>
  <td width="12%" valign="top">
  <p  align=right>
<font size="2" face="Arial">EXHIBIT   VI</font></p>  </td>
 </tr>
</table>

<br>
<table align="center"  border="0" style="border-collapse:collapse" cellspacing="0"  cellpadding="0"  width="100%">

 <tr>
  <td width="38%" valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="2%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="8%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="2%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="8%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="2%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="5%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="2%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="8%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="2%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="8%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="2%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="5%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="17"  valign="bottom">
  <p  align="center"><font size="1" face="Arial"><b>FOR THE   YEAR ENDED DECEMBER 31,</b></font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="17"  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="8"  valign="bottom">
  <p  align="center"><font size="1" face="Arial"><b>2005</b></font></p>  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="8"  valign="bottom">
  <p  align="center">
<font size="1" face="Arial"><b>2006</b></font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="8"  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="8"  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center">
<font size="1" face="Arial"><b>AVERAGE<br>   BALANCE</b></font></p>  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center">
<font size="1" face="Arial"><b>INTEREST</b></font></p>  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center">
<font size="1" face="Arial"><b>AVG.<br>   RATE</b></font></p>  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center">
<font size="1" face="Arial"><b>AVERAGE<br>   BALANCE</b></font></p>  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center">
<font size="1" face="Arial"><b>INTEREST</b></font></p>  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center">
<font size="1" face="Arial"><b>AVG.<br>   RATE</b></font></p>  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="17"  valign="bottom">
  <p  align="center"><font size="1" face="Arial"><b>(In   US$ million)</b></font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">INTEREST   EARNING ASSETS</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Interest-bearing   deposits with banks</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$158</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$5.1</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">3.19</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$180</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$9.0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">4.90</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Loans,   net of unearned income &amp; deferred loan fees</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2,211</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">93.0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">4.15</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2,697</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">163.1</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5.96</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Impaired loans</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">106</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">8.7</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">8.10</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">18</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2.7</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">14.77</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Trading assets</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">n.a.</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">(*)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">50</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5.8</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">11.46</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Investment securities</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">181</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">10.0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5.43</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">390</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">22.8</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5.76</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">TOTAL INTEREST EARNING ASSETS</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$2,656</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$116.8</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">4.34</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$3,336</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$203.3</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">6.01</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Non interest earning assets</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">81</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">90</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Allowance for loan losses</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(79</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(44</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Other assets</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">9</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">21</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">TOTAL ASSETS</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$2,667</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$3,403</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">INTEREST BEARING   LIABILITITES</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Deposits</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$869</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$29.6</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">3.36</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$1,106</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$56.6</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5.05</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Trading liabilities</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">n.a.</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">(*)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">35</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">4.6</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">13.17</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Securities sold under   repurchase agreement and short-term borrowings</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">605</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">20.4</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">3.33</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1,044</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">55.0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5.20</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Medium and long-term debt   and borrowings</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">451</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">21.6</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">4.72</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">500</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">28.3</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5.57</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">TOTAL INTEREST BEARING   LIABILITIES</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$1,925</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$71.6</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">3.67</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$2,684</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$144.5</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5.31</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Non interest bearing   liabilities and other liabilities</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">118</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">137</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">TOTAL LIABILITIES</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2,044</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2,821</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">STOCKHOLDERS&#146; EQUITY</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">623</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">581</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">TOTAL LIABILITIES AND   STOCKHOLDERS&#146; EQUITY</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$2,667</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$3,403</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">NET INTEREST SPREAD</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.67</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.70</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">NET INTEREST INCOME AND NET   INTEREST MARGIN</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$45.3</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1.70</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$58.8</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1.76</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
</table>


<table align="center"  border="0" style="border-collapse:collapse" cellspacing="0"  cellpadding="0"  width="100%">

 <tr>
  <td width="5%" valign="top">
  <p><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="95%" valign="top">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p>
<font size="2" face="Arial">(*)</font></p>  </td>
  <td  valign="top">
  <p>
<font size="2" face="Arial">&#147;n.a.&#148; means not   applicable.</font></p>  </td>
 </tr>
</table>

<p  align=right>
<font size="2" face="Arial">16</font></p>

<hr size="1" width="100%" noshade color=black>
<div style="page-break-before:always"></div>
<PAGE>
<br>

<table align="center"  border="0" style="border-collapse:collapse" cellspacing="0"  cellpadding="0"  width="100%">

 <tr>
  <td width="12%" valign="top">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="76%" valign="top">
  <p  align="center">
<font size="2" face="Arial">CONSOLIDATED STATEMENT OF INCOME</font></p>  </td>
  <td width="12%" valign="top">
  <p  align=right>
<font size="2" face="Arial">EXHIBIT   VII</font></p>  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p  align="center">
<font size="2" face="Arial">(In   US$ thousand, except ratios)</font></p>  </td>
  <td  valign="top">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
</table>

<br>
<table align="center"  border="0" style="border-collapse:collapse" cellspacing="0"  cellpadding="0"  width="100%">

 <tr>
  <td width="34%" valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="7%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="7%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="8%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="7%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="7%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="7%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="7%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr>
  <td width="34%"  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  rowspan="3"  valign="bottom">
  <p  align="center"><font size="1" face="Arial"><b>YEAR<br>   ENDED<br>   DEC 31/05</b></font></p>  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="14"  valign="bottom">
  <p  align="center">
<font size="1" face="Arial"><b>FOR THE   THREE MONTHS ENDED</b></font></p>  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  rowspan="3"  valign="bottom">
  <p  align="center">
<font size="1" face="Arial"><b>YEAR<br>   ENDED<br>   DEC 31/06</b></font></p>  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td width="34%"  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="14"  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td width="34%"  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center">
<font size="1" face="Arial"><b>DEC 31/05</b></font></p>  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td width="8%"  valign="bottom">
  <p  align="center">
<font size="1" face="Arial"><b>MAR 31/06</b></font></p>  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center">
<font size="1" face="Arial"><b>JUN 30/06</b></font></p>  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center">
<font size="1" face="Arial"><b>SEP 30/06</b></font></p>  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center">
<font size="1" face="Arial"><b>DEC 31/06</b></font></p>  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
 </tr>
 <tr>
  <td width="34%"  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="8%"  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td width="34%"  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">INCOME STATEMENT DATA:</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="8%"  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td width="34%"  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Interest income</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$116,823</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">35,127</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="8%"  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$38,109</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$47,957</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$54,268</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$63,016</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$203,350</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td width="34%"  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Interest expense</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(71,570</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(22,630</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="8%"  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(26,527</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(33,021</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(38,687</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(46,278</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(144,513</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
 </tr>
 <tr>
  <td width="34%"  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="8%"  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td width="34%"  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">NET INTEREST INCOME</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">45,253</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">12,498</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="8%"  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">11,581</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">14,936</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">15,582</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">16,738</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">58,837</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td width="34%"  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Reversal (provision) for   loan losses</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">54,155</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">15,803</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="8%"  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(3,772</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(1,973</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(4,575</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(1,526</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(11,846</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
 </tr>
 <tr>
  <td width="34%"  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="8%"  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td width="34%"  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">NET INTEREST INCOME AFTER   REVERSAL (PROVISION) FOR LOAN LOSSES</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">99,408</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">28,301</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="8%"  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">7,810</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">12,962</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">11,006</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">15,212</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">46,991</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td width="34%"  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">OTHER INCOME (EXPENSE):</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="8%"  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td width="34%"  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Reversal (provision) for   losses on off-balance sheet credit risk</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(15,781</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(8,283</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="8%"  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">11,183</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">3,602</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">7,158</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2,949</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">24,891</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td width="34%"  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Fees and commissions, net</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5,824</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1,667</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="8%"  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1,571</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1,293</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1,749</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1,673</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">6,285</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td width="34%"  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Derivatives and hedging   activities</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2,338</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2,336</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="8%"  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(170</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(106</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(63</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">115</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(225</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
 </tr>
 <tr>
  <td width="34%"  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Recoveries on assets, net   of impairments</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">10,206</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="8%"  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5,551</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5,551</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td width="34%"  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Trading gains (losses)</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="8%"  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(2,376</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(1,594</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">4,849</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">879</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td width="34%"  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Net gains on sale of   securities available for sale</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">206</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(40</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="8%"  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2,568</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2,568</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td width="34%"  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Gain (loss) on foreign   currency exchange</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">3</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(29</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="8%"  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">14</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(144</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(57</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(67</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(253</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
 </tr>
 <tr>
  <td width="34%"  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Other income, net</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">3</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="8%"  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">22</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">71</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">49</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">143</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td width="34%"  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="8%"  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td width="34%"  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">NET OTHER INCOME (EXPENSE)</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2,801</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(4,347</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="8%"  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">15,167</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2,291</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">7,263</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">15,118</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">39,840</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td width="34%"  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">TOTAL OPERATING EXPENSES</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(24,691</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(7,407</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="8%"  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(6,327</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(6,321</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(7,020</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(9,261</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(28,929</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
 </tr>
 <tr>
  <td width="34%"  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="8%"  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td width="34%"  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">INCOME BEFORE CUMULATIVE   EFFECT OF CHANGES IN ACCOUNTING PRINCIPLE</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$77,518</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$16,546</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="8%"  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$16,650</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$8,933</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$11,249</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$21,070</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$57,902</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td width="34%"  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Cumulative effect on prior   years (to Dec. 31, 2004) of a change in the credit loss reserve methodology</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2,733</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="8%"  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td width="34%"  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Cumulative effect on prior   years (to Dec. 31, 2004) of an early adoption of the fair-value based method   of accounting stock-based employee compensation</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(150</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(150</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="8%"  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td width="34%"  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="8%"  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td width="34%"  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">NET INCOME</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$80,101</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$16,396</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="8%"  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$16,650</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$8,933</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$11,249</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$21,070</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$57,902</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td width="34%"  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="8%"  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td width="34%"  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">SELECTED FINANCIAL DATA</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="8%"  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td width="34%"  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">PER COMMON SHARE DATA</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="8%"  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td width="34%"  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Net income per share</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$2.08</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$0.43</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="8%"  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$0.44</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$0.24</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$0.31</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$0.58</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$1.56</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td width="34%"  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">PERFORMANCE RATIOS</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="8%"  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td width="34%"  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Return on average assets</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">3.0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2.3</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="8%"  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2.3</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1.1</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1.3</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2.2</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1.7</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
 </tr>
 <tr>
  <td width="34%"  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Return on average   stockholders&#146; equity</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">12.9</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">10.6</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="8%"  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">11.1</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">6.2</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">7.9</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">14.5</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">10.0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td width="34%"  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Net interest margin</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1.70</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1.77</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="8%"  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1.62</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1.87</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1.78</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1.76</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1.76</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
 </tr>
 <tr>
  <td width="34%"  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Net interest spread</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.67</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.69</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="8%"  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.44</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.82</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.78</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.76</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.70</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td width="34%"  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Total operating expenses to   average assets</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.93</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1.03</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="8%"  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.86</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.78</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.79</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.96</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.85</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">%</font></p>  </td>
 </tr>
 <tr>
  <td width="34%" valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
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  </td>
  <td width="7%" valign="top">
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  </td>
  <td width="1%" valign="top">
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  </td>
  <td width="1%" valign="top">
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  </td>
  <td width="7%" valign="top">
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  </td>
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  </td>
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  </td>
  <td width="8%" valign="top">
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  </td>
  <td width="1%" valign="top">
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  </td>
  <td width="1%" valign="top">
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  </td>
  <td width="7%" valign="top">
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  </td>
  <td width="1%" valign="top">
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  </td>
  <td width="1%" valign="top">
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  </td>
  <td width="7%" valign="top">
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  </td>
  <td width="1%" valign="top">
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  </td>
  <td width="1%" valign="top">
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  </td>
  <td width="7%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
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  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="7%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
</table>

<p  align=right>
<font size="2" face="Arial">17</font></p>

<hr size="1" width="100%" noshade color=black>
<div style="page-break-before:always"></div>
<PAGE>
<br>

<table align="center"  border="0" style="border-collapse:collapse" cellspacing="0"  cellpadding="0"  width="100%">

 <tr>
  <td width="100%" valign="top">
  <p  align=right><font size="2" face="Arial">EXHIBIT   VIII</font></p>  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p  align="center">
<font size="2" face="Arial">CREDIT PORTFOLIO</font></p>  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p  align="center">
<font size="2" face="Arial">DISTRIBUTION BY COUNTRY</font></p>  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p  align="center">
<font size="2" face="Arial">(In US$ million)</font></p>  </td>
 </tr>
</table>

<br>
<table align="center"  border="0" style="border-collapse:collapse" cellspacing="0"  cellpadding="0"  width="100%">

 <tr>
  <td width="43%" valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
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 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
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  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
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  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
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  <hr size="1" width="100%" noshade color=black>

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  </td>
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  </td>
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  </td>
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  </td>
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  </td>
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  </td>
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  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial"><b>COUNTRY</b></font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="2" valign="bottom">
  <p  align="center">
<font size="1" face="Arial"><b>(A)<br>   31DEC05</b></font></p>  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="2" valign="bottom">
  <p  align="center">
<font size="1" face="Arial"><b>(B)<br>   30SEP06</b></font></p>  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="2" valign="bottom">
  <p  align="center">
<font size="1" face="Arial"><b>(C)<br>   31DEC06</b></font></p>  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="2" valign="bottom">
  <p  align="center">
<font size="1" face="Arial"><b>(C) - (B)</b></font></p>  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="2" valign="bottom">
  <p  align="center">
<font size="1" face="Arial"><b>(C) - (A)</b></font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p  style="margin-left:3em; text-indent:-1em"><font size="1" face="Arial">ARGENTINA</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$71</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$148</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$216</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$68</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$145</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p  style="margin-left:3em; text-indent:-1em"><font size="1" face="Arial">BOLIVIA</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p  style="margin-left:3em; text-indent:-1em">
<font size="1" face="Arial">BRAZIL</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1,453</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1,521</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1,663</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">142</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">210</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p  style="margin-left:3em; text-indent:-1em"><font size="1" face="Arial">CHILE</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">315</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">226</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">207</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(19</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(108</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p  style="margin-left:3em; text-indent:-1em">
<font size="1" face="Arial">COLOMBIA</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">261</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">198</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">329</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">131</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">68</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p  style="margin-left:3em; text-indent:-1em"><font size="1" face="Arial">COSTA   RICA</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">86</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">138</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">97</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(41</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">11</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p  style="margin-left:3em; text-indent:-1em">
<font size="1" face="Arial">DOMINICAN   REPUBLIC</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">128</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">98</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">127</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">29</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(1</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p  style="margin-left:3em; text-indent:-1em"><font size="1" face="Arial">ECUADOR</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">204</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">168</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">160</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(8</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(44</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p  style="margin-left:3em; text-indent:-1em">
<font size="1" face="Arial">EL   SALVADOR</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">102</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">94</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">88</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(5</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(14</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p  style="margin-left:3em; text-indent:-1em"><font size="1" face="Arial">GUATEMALA</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">45</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">82</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">95</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">13</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">50</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p  style="margin-left:3em; text-indent:-1em">
<font size="1" face="Arial">HONDURAS</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">27</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">42</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">37</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(5</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">10</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p  style="margin-left:3em; text-indent:-1em"><font size="1" face="Arial">JAMAICA</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">47</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">67</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">49</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(18</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p  style="margin-left:3em; text-indent:-1em">
<font size="1" face="Arial">MEXICO</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">204</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">238</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">283</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">46</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">79</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p  style="margin-left:3em; text-indent:-1em"><font size="1" face="Arial">NICARAGUA</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">9</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">10</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">8</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p  style="margin-left:3em; text-indent:-1em">
<font size="1" face="Arial">PANAMA</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">176</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">271</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">220</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(51</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">44</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p  style="margin-left:3em; text-indent:-1em"><font size="1" face="Arial">PERU</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">230</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">224</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">280</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">57</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">50</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p  style="margin-left:3em; text-indent:-1em">
<font size="1" face="Arial">TRINIDAD   &amp; TOBAGO</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">177</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">147</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">104</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(43</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(74</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p  style="margin-left:3em; text-indent:-1em"><font size="1" face="Arial">URUGUAY</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">7</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(7</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p  style="margin-left:3em; text-indent:-1em">
<font size="1" face="Arial">VENEZUELA</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">60</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">72</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">35</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(38</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(25</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p  style="margin-left:3em; text-indent:-1em"><font size="1" face="Arial">OTHER</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">21</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(20</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p  style="margin-left:3em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p  style="margin-left:3em; text-indent:-1em"><font size="1" face="Arial">TOTAL   CREDIT PORTFOLIO <sup>(1)</sup></font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$3,616</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$3,748</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$4,006</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$258</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$390</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p  style="margin-left:3em; text-indent:-1em">
<font size="1" face="Arial">UNEARNED   INCOME AND COMMISSION <sup>(2)</sup></font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(6</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(4</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(4</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p  style="margin-left:3em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p  style="margin-left:3em; text-indent:-1em">
<font size="1" face="Arial">TOTAL   CREDIT PORTFOLIO, NET OF UNEARNED INCOME AND COMMISSION</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$3,610</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$3,744</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$4,001</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$258</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$391</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p  style="margin-left:3em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="3" width="100%" noshade color=black>

  </td>
 </tr>
</table>


<table align="center"  border="0" style="border-collapse:collapse" cellspacing="0"  cellpadding="0"  width="100%">

 <tr>
  <td width="3%" valign="top">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="96%" valign="top">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p><font size="2" face="Arial"><sup>(1)</sup></font></p>  </td>
  <td  valign="top">
  <p>
<font size="2" face="Arial">Includes book value of   loans, fair value of selected investment securities, acceptances, and   contingencies (including confirmed letters of credit, stand-by letters of   credit, and guarantees covering commercial and country risks and credit commitments).</font></p>  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p>
<font size="2" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p>
<font size="2" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p>
<font size="2" face="Arial"><sup>(2)</sup></font></p>  </td>
  <td  valign="top">
  <p>
<font size="2" face="Arial">Represents unearned income   and commission on loans.</font></p>  </td>
 </tr>
</table>

<p  align=right>
<font size="2" face="Arial">18</font></p>

<hr size="1" width="100%" noshade color=black>
<div style="page-break-before:always"></div>
<PAGE>
<br>

<table align="center"  border="0" style="border-collapse:collapse" cellspacing="0"  cellpadding="0"  width="100%">

 <tr>
  <td width="12%" valign="top">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="76%" valign="top">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td width="12%" valign="top">
  <p  align=right>
<font size="2" face="Arial">EXHIBIT   IX</font></p>  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p  align="center">
<font size="2" face="Arial">BUSINESS SEGMENT ANALYSIS</font></p>  </td>
  <td  valign="top">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="top">
  <p  align="center">
<font size="2" face="Arial">(In US$ million)</font></p>  </td>
  <td  valign="top">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
</table>

<br>
<table align="center"  border="0" style="border-collapse:collapse" cellspacing="0"  cellpadding="0"  width="100%">

 <tr>
  <td width="43%" valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="2%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="8%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="2%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="8%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="2%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="8%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="2%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="8%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="2%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="8%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td width="1%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="5"  valign="bottom">
  <p  align="center"><font size="1" face="Arial"><b>FOR THE   YEAR ENDED</b></font></p>  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="8"  valign="bottom">
  <p  align="center">
<font size="1" face="Arial"><b>FOR THE   THREE MONTHS ENDED</b></font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="5"  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="8"  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="2" valign="bottom">
  <p  align="center">
<font size="1" face="Arial"><b>DEC 31/05</b></font></p>  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="2" valign="bottom">
  <p  align="center">
<font size="1" face="Arial"><b>DEC 31/06</b></font></p>  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="2" valign="bottom">
  <p  align="center">
<font size="1" face="Arial"><b>DEC 31/05</b></font></p>  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="2" valign="bottom">
  <p  align="center">
<font size="1" face="Arial"><b>SEP 30/06</b></font></p>  </td>
  <td  valign="bottom">
  <p  align="center"><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  colspan="2" valign="bottom">
  <p  align="center">
<font size="1" face="Arial"><b>DEC 31/06</b></font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  colspan="2" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  colspan="2" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  colspan="2" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  colspan="2" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  colspan="2" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">COMMERCIAL DIVISION:</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p  style="margin-left:3em; text-indent:-1em"><font size="1" face="Arial">Net   interest income</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$39.4</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$50.9</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$10.8</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$13.6</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$14.3</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p  style="margin-left:3em; text-indent:-1em">
<font size="1" face="Arial">Other   income <sup>(1)</sup></font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5.8</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">6.4</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1.7</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1.8</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1.7</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p  style="margin-left:3em; text-indent:-1em"><font size="1" face="Arial">Operating   expenses</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(21.7</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(23.7</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(6.4</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(5.6</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(7.4</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Net operating income <sup>(2)</sup></font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">23.5</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">33.7</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">6.0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">9.7</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">8.6</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>

 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Reversal of provision for   loan and off-balance sheet credit losses, net</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">38.4</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">13.0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">7.5</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2.6</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1.4</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Cumulative effect on prior   years (to Dec. 31, 2004) of a change in the credit loss reserve methodology</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2.7</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">&#151;&nbsp;&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">&#151;&nbsp;&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">&#151;&nbsp;&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">&#151;&nbsp;&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Cumulative effect on prior   periods (to Dec. 31, 2004) of an early adoption of the fair-value based   method of accounting stock-based employee compensation</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(0.1</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">&#151;&nbsp;&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(0.1</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">&#151;&nbsp;&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">&#151;&nbsp;&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">NET INCOME</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$64.5</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$46.7</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$13.4</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$12.3</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$10.0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Commercial Average   Interest-Earning Assets:</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p  style="margin-left:3em; text-indent:-1em">
<font size="1" face="Arial">Loans,   net of discounts</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2,317</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2,715</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2,415</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2,763</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">3,027</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Total average   interest-earning assets <sup>(3)</sup></font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2,317</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2,715</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2,415</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2,763</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">3,027</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">TREASURY DIVISION:</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p  style="margin-left:3em; text-indent:-1em">
<font size="1" face="Arial">Net   interest income</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5.9</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">7.9</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1.7</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2.0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2.5</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p  style="margin-left:3em; text-indent:-1em"><font size="1" face="Arial">Other   income <sup>(1)</sup></font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2.5</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">3.0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2.3</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(1.7</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">4.9</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p  style="margin-left:3em; text-indent:-1em">
<font size="1" face="Arial">Operating   expenses</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(3.0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(5.2</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(1.0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(1.4</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(1.9</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Net operating income <sup>(2)</sup></font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5.4</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5.6</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">3.0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(1.1</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5.5</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p  style="margin-left:3em; text-indent:-1em"><font size="1" face="Arial">Recoveries   on assets, net of impairments</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">10.2</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5.6</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">&#151;&nbsp;&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">&#151;&nbsp;&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5.6</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Cumulative effect on prior   periods (to Dec. 31, 2004) of an early adoption of the fair-value based   method of accounting stock-based employee compensation</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(0.0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">&#151;&nbsp;&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(0.0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">&#151;&nbsp;&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">&#151;&nbsp;&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">NET INCOME</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$15.6</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$11.2</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$3.0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$   (1.1</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$11.0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Treasury Average   Interest-Earning Assets:</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p  style="margin-left:3em; text-indent:-1em">
<font size="1" face="Arial">Cash   and due from banks</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">158</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">180</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">161</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">200</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">151</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p  style="margin-left:3em; text-indent:-1em"><font size="1" face="Arial">Securities   available for sale and securities held to maturity</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">181</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">390</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">231</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">469</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">463</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p  style="margin-left:3em; text-indent:-1em">
<font size="1" face="Arial">Trading   assets</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">&#151;&nbsp;&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">50</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">&#151;&nbsp;&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">33</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">128</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Total average   interest-earning assets <sup>(4)</sup></font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">339</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">620</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">392</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">702</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">741</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">CONSOLIDATED:</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p  style="margin-left:3em; text-indent:-1em">
<font size="1" face="Arial">Net   interest income</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">45.3</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">58.8</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">12.5</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">15.6</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">16.7</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p  style="margin-left:3em; text-indent:-1em"><font size="1" face="Arial">Other   income <sup>(1)</sup></font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">8.4</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">9.4</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">3.9</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">0.1</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">6.6</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p  style="margin-left:3em; text-indent:-1em">
<font size="1" face="Arial">Operating   expenses</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(24.7</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(28.9</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(7.4</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(7.0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(9.3</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Net operating income <sup>(2)</sup></font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">28.9</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">39.3</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">9.0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">8.7</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">14.1</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Reversal of provision for   loan and off-balance sheet credit losses, net</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">38.4</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">13.0</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">7.5</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2.6</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">1.4</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p  style="margin-left:3em; text-indent:-1em">
<font size="1" face="Arial">Recoveries   on assets, net of impairments</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">10.2</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5.6</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">&#151;&nbsp;&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">&#151;&nbsp;&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">5.6</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Cumulative effect on prior   periods (to Dec. 31, 2004) of a change in the credit loss reserve methodology</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2.7</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">&#151;&nbsp;&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">&#151;&nbsp;&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">&#151;&nbsp;&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">&#151;&nbsp;&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Cumulative effect on prior   periods (to Dec. 31, 2004) of an early adoption of the fair-value based   method of accounting stock-based employee compensation</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(0.2</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">&#151;&nbsp;&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">(0.2</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">)</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">&#151;&nbsp;&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">&#151;&nbsp;&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">NET INCOME</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$80.1</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$57.9</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$16.4</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$11.2</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$21.1</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">Total Average   Interest-Earning Assets:</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right><font size=1 face="Arial">&nbsp;</font></p> </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p  style="margin-left:3em; text-indent:-1em">
<font size="1" face="Arial">Interest-earning   assets</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2,656</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">3,336</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">2,807</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">3,465</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">3,768</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
  <td  valign="bottom">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr bgcolor="#e6e6e6">
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">Total average   interest-earning assets</font></p>  </td>
  <td  valign="bottom">
  <p style="margin-left:1em; text-indent:-1em">
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$2,656</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$3,336</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$2,807</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$3,465</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
  <td  valign="bottom">
  <p  align=right>
<font size="1" face="Arial">$3,768</font></p>  </td>
  <td  valign="bottom">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
</table>



<table align="center"  border="0" style="border-collapse:collapse" cellspacing="0"  cellpadding="0"  width="100%">

 <tr>
  <td width="100%" valign="top">
  <hr size="1" width="100%" noshade color=black>

  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p align="justify">
<font size="2" face="Arial"><sup>(1)</sup> Other income excludes reversals (provisions)   for losses on off balance sheet credit risks and recoveries (impairment) on   assets.</font></p>  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p align="justify">
<font size="2" face="Arial"><sup>(2)</sup> Net operating income refers to net income   excluding reversals of provisions for credit losses, recoveries (impairment)   on assets, and cumulative effect on prior years of changes in accounting   principles.</font></p>  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p align="justify">
<font size="2" face="Arial"><sup>(3)</sup> Includes loans, net of unearned income and   deferred loan fees.</font></p>  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p align="justify">
<font size="2" face="Arial"><sup>(4)</sup> Includes cash and due from banks,   interest-bearing deposits with banks, securities available for sale and held   to maturity, trading securities.</font></p>  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p align="justify">
<font size="2" face="Arial">The bank has aligned its   operations into two major business segments, based on the nature of clients,   products and on credit risk standards.</font></p>  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p>
<font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p align="justify">
<font size="2" face="Arial">The Commercial division   primarily provides foreign trade and working capital financing to Latin   American banks and exporting corporations, through loans, letters of credit   and acceptances, guarantees covering commercial and country risk, and credit   commitments.&#160; This area also covers   trade related services to its Latin American clients, such as payments,   digital identity solutions and e-learning, some of which are in the process   of being implemented.</font></p>  </td>
 </tr>
 <tr>
   <td  valign="top"><p><font size="1" face="Arial">&nbsp;</font></p></td>
 </tr>
 <tr>
   <td  valign="top"><p align="justify"><font size="2" face="Arial">The Treasury division is   responsible for managing the Bank&#146;s asset and liability position,   liquidity,&#160; secondary market available   for sale portfolio, the proprietary trading desk, and, currency and interest   rate risk.</font></p></td>
 </tr>
 <tr>
  <td  valign="top">
  <p><font size="1" face="Arial">&nbsp;</font></p>  </td>
 </tr>
 <tr>
  <td  valign="top">
  <p align="justify"><font size="2" face="Arial">Interest expenses and overhead operating expenses are allocated   based on average credits.</font></p>  </td>
 </tr>
</table>
<p  align=right>
<font size="2" face="Arial">19</font></p>


<hr size="1" width="100%" noshade color=black>
<div style="page-break-before:always"></div>
<PAGE>
<br>




<p><font size="2" face="Arial"><b>Conference Call Information</b></font></p>
<p align="justify"> <font size="2" face="Arial">There will be a conference call to discuss the Bank&#146;s quarterly results on Friday, February 16, 2007, at 11:00 a.m., New York City time.&#160; For those interested in participating, please dial (888) 335-5539 in the United States or, if outside the United States, (973) 582-2857.&#160; Participants should use conference ID# 8403785, and dial in five minutes before the call is set to begin.&#160; There will also be a live audio webcast of the conference at www.blx.com. </font></p>
<p align="justify"> <font size="2" face="Arial">The conference call will become available for review on Conference Replay one hour after its conclusion, and will remain available through February 23, 2007.&#160; Please dial (877) 519-4471 or (973) 341-3080, and follow the instructions.&#160; The Conference ID# for the replayed call is 8403785.&#160;&#160; </font></p>
<p> <font size="2" face="Arial">For more information, please access www.blx.com or contact:</font></p>
<table align="center"  border="0" style="border-collapse:collapse" cellspacing="0"  cellpadding="0"  width="100%">
  <tr>
    <td width="100%" valign="top"><p> <font size="2" face="Arial">Mr. Carlos Yap S.</font></p></td>
  </tr>
  <tr>
    <td  valign="top"><p> <font size="2" face="Arial">Chief Financial Officer</font></p></td>
  </tr>
  <tr>
    <td  valign="top"><p> <font size="2" face="Arial">Bladex</font></p></td>
  </tr>
  <tr>
    <td  valign="top"><p> <font size="2" face="Arial">Calle 50 y Aquilino de la Guardia</font></p></td>
  </tr>
  <tr>
    <td  valign="top"><p><font size="2" face="Arial">P.O. Box: 0819-08730</font></p></td>
  </tr>
  <tr>
    <td  valign="top"><p><font size="2" face="Arial">Panama City, Panama</font></p></td>
  </tr>
  <tr>
    <td  valign="top"><p><font size="2" face="Arial">Tel: (507) 210-8563</font></p></td>
  </tr>
  <tr>
    <td  valign="top"><p><font size="2" face="Arial">Fax: (507) 269-6333</font></p></td>
  </tr>
  <tr>
    <td  valign="top"><p><font size="2" face="Arial">e-mail address: cyap@blx.com</font></p></td>
  </tr>
  <tr>
    <td  valign="top"><p><font size="1" face="Arial">&nbsp;</font></p></td>
  </tr>
  <tr>
    <td  valign="top"><p><font size="2" face="Arial">Investor Relations Firm:</font></p></td>
  </tr>
  <tr>
    <td  valign="top"><p><font size="2" face="Arial">i-advize Corporate Communications, Inc.</font></p></td>
  </tr>
  <tr>
    <td  valign="top"><p><font size="2" face="Arial">Mrs. Melanie Carpenter / Mr. Peter Majeski</font></p></td>
  </tr>
  <tr>
    <td  valign="top"><p><font size="2" face="Arial">82 Wall Street, Suite 805</font></p></td>
  </tr>
  <tr>
    <td  valign="top"><p><font size="2" face="Arial">New York, NY 10005</font></p></td>
  </tr>
  <tr>
    <td  valign="top"><p><font size="2" face="Arial">Tel: (212) 406-3690</font></p></td>
  </tr>
  <tr>
    <td  valign="top"><p><font size="2" face="Arial">e-mail address:&#160; bladex@i-advize.com</font></p></td>
  </tr>
</table>
<p  align=right><font size="2" face="Arial">20</font></p>
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`
end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----
