Risk-Based Capital (12/31/09) Total Capital (to Risk-Weighted Assets) 26.39% (26.04%)* => 10.0% Well Capitalized Tier 1 Capital (to Risk-Weighted Assets) 25.12% (24.78%)* => 6.0% Well Capitalized Tier 1 Capital (to Average Assets) 14.29 (16.18%)* => 5.0% Well Capitalized * indicates 12/31/08 values