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 />
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