Leverage Ratio Over Time for First Union Direct Bank, National Association

Acquired Dec 2004

Leverage Ratio Over Time

Leverage Ratio	First Union Direct Bank, National Association	All Insured Commercial Banks in Georgia
09-30-2004	17.95	10.116
06-30-2004	18.15	9.93
03-31-2004	17.55	9.897
12-31-2003	20.76	10.02
09-30-2003	31.08	10.066
06-30-2003	31.2	9.807
03-31-2003	31.36	9.773
12-31-2002	32.02	9.829

First Union Direct Bank, National Association