(1) Computed by dividing non-interest expense by the sum of net interest income on a tax equivale... Virginia Commerce Bancorp,

(1) Computed by dividing non-interest expense by the sum of net interest income on a tax equivalent basis using a 35% rate and non-interest income.

(1) Adjusted to give effect to a 10% stock dividend payable May 1, 2007, and a three-for-two split in the form of a 50% stock dividend in May 2006.

(1) Yields on securities available-for-sale have been calculated on the basis of historical cost and do not give effect to changes in the fair value of those securities, which are reflected as a component of stockholders' equity. Average yields on securities are stated on a tax equivalent basis, using a 35% rate.

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