Downey Savings & US Bank Downey Savings & US Bank
Downey Savings & US Bank Downey Savings & US Bank
Downey Savings & US Bank Downey Savings & US Bank
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The Future Looks Brighter with <strong>US</strong><br />
Profitability<br />
Revenue Mix<br />
By Business Line<br />
Wealth<br />
Mgmt<br />
13%<br />
Wholesale<br />
19%<br />
Payments<br />
27%<br />
Consumer<br />
41%<br />
3Q08 YTD<br />
Excluding securities gains (losses) net<br />
* Core fee income excludes $492 million VISA gain<br />
55.0%<br />
50.0%<br />
45.0%<br />
40.0%<br />
35.0%<br />
Fee Income / Total Revenue<br />
44.1%<br />
46.5%<br />
50.2%<br />
51.4%<br />
51.6%<br />
49.5%<br />
2004 2005 2006 2007 2008<br />
YTD<br />
Reported<br />
Core *