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Downey Savings & US Bank Downey Savings & US Bank

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The Future Looks Brighter with <strong>US</strong><br />

Revenue Growth - Core<br />

5,000<br />

4,000<br />

3,000<br />

2,000<br />

1,000<br />

0<br />

3.3%<br />

$3,562<br />

$ in millions; taxable-equivalent basis<br />

Core basis excludes the following significant items:<br />

4Q07: valuation losses (107)<br />

1Q08: Visa gain/stock sale 492, valuation losses (296)<br />

8.7%<br />

$3,681<br />

8.6%<br />

$3,678<br />

9.8%<br />

$3,877<br />

7.2% 13.3% 7.3% 4.6% (0.4%)<br />

0.7% 4.0% 9.8% 15.6% 16.7%<br />

3Q07 4Q07 1Q08 2Q08 3Q08<br />

Net Interest Income Noninterest Income<br />

7.7%<br />

$3,829<br />

3Q08 lease<br />

residual losses<br />

= $84 million

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