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About Us ACACIA FEDERAL SAVINGS BANK FINANCIAL REPORT
(STATEMENT OF FINANCIAL CONDITION 12/31/07)


This statement has been prepared in conformity with both accounting principals generally accepted in the United States of America and the Office of Thrift Supervision (OTS) instructions for Thrift Financial Reports, and are true to the best of my knowledge and belief.
/s/ Louis C. Kiessling, III, EVP and CFO
Regulatory Capital Requirements
Regulatory capital is one measure by which the Office of Thrift Supervision determines whether a savings association is operating in a safe and sound manner.

The following table summarizes the Savings Bank's regulatory capital requirements and the amount of capital the institution has to meet those requirements.


Tangible Capital (in thousands)
Required $22,389
Actual $119,116

Core Capital
Required $59,704
Actual $119,116

Risk Based Capital
Required $72,892
Actual $123,296


ASSETS

Cash and Overnight Deposits
$2,569,791

Investment Securities
47,270,802

Loans Receivable, Net
1,406,414,876

Accrued Interest Receivable
6,671,985

Investment in FHLB Stock
21,746,400

Office Property and Equipment
776,194

Other Assets
6,988,441

Total Assets
$1,492,438,489

LIABILITIES AND STOCKHOLDER'S EQUITY

Deposit Accounts
$919,986,364

Other Borrowed Money
437,305,459

Accrued Interest Payable
11,546,112

Other Liabilities
4,579,202

Total Liabilities
$1,373,417,137

Stockholders' Equity
119,021,352

Total Liabilities and Stockholders' Equity
$1,492,438,489


This statement has been prepared in conformity with both accounting principles generally accepted in the United States of America and the Office of Thrift Supervision (OTS) Thrift Financial Report Instruction Manual, and are true to the best of my knowledge and belief.
/s/ Louis C. Kiessling, III, EVP and CFO