The Colonial BancGroup, Inc. http://www.alacrastore.com/company-snapshot/The_Colonial_BancGroup_Inc-1003866 Friday, January 09, 2009 5:06:00 AM 1003866 The Colonial BancGroup, Inc. en AlacraStore RSS Builder 1.0 30 http://www.alacrastore.com/storecontent/fitch/454099_pr_framefitch/454099_pr_framehtmlFitch Ratings is a leading global rating agency committed to providing the world's credit markets with independent, timely and prospective credit opinions. Built on a foundation of organic growth and strategic acquisitions, Fitch Ratings has grown rapidly during the past decade gaining market presence throughout the world and across all fixed income markets.Regions Financial CorporationFifth Third BancorpUnionBanCal CorporationCitigroup Inc.The Goldman Sachs Group, Inc.SunTrust Banks, Inc.Merrill Lynch & Company, Inc.Compass Bancshares, Inc.Zions BancorporationNorth Fork Bancorporation, Inc.National City CorporationAmSouth BancorporationMarshall & Ilsley CorporationThe Colonial BancGroup, Inc.U.S. BancorpNorthern Trust CorporationWachovia CorporationTD Ameritrade Holding CorporationM & T Bank CorporationBB&T CorporationThe Bank of New York Mellon CorporationHuntington Bancshares Inc.First Horizon National Corp.TD Banknorth IncThe Charles Schwab CorporationPopular, Inc.Mellon Funding CorporationBanponce Trust IComerica Inc.KeyCorpCommerce Bank, N.AJPMorgan Chase & CoBanco Popular North AmericaMorgan StanleyBank of America CorporationSynovus Financial Corporation800910218008893380089717800889938008900380090347800914058008947680088977800889728008924582604276800903288009038880090333800895728009201280089109800890228008971880090507800903228009210080089154800890308008913483812800889858009023080089031800892938008946380090365800896228009003480089793800904151012948009158812/19/2008 2:25:00 PM01010203010102000101000004040000040402000101010085Press ReleaseNCCFITBAMTDUSBFHNRFMERZIONBBTWBCMAHBANMIJPMNTRSBKCNBBACMTBSTISCHWKEYGSBPOPCSNVMS454099_pr_frameCredit & Investment ResearchFitch Researchhttp://www.alacrastore.com/storecontent/moodys/PR_167951_88000moodys/PR_167951_88000htmlGlobal Credit Research Announcement ## NOV #### Announcement: Bank of New York Mellon Corporation (The) Moody's will assign backed-Aaa ratings to debt securities covered by the FDIC's Guarantee New York, November ##, #### -- Moody's...11/25/2008 8:47:00 PMhtmlBank of New York Mellon Corporation (The)Bank of Nova ScotiaBank of MontrealUnionBanCal CorporationMarshall & Ilsley CorporationFederal Deposit Insurance Corp.United States of America, Government ofUnited States of AmericaToronto-Dominion Bank (The)SunTrust Banks, Inc.State Street CorporationBB&T CorporationKeyCorpRoyal Bank of CanadaPrudential Bank & Trust, FSBPNC Financial Services Group, Inc.First Midwest Bancorp, Inc.Hancock Holding CompanyAssociated Banc-CorpCIBC Mellon Trust CompanyBOK Financial CorporationAstoria Financial CorporationValley National BancorpWilmington Trust CorporationBancorpSouth, Inc.TD Banknorth IncFirstMerit CorporationTCF Financial CorporationOld National BancorpWells Fargo & CompanyNorthern Trust CorporationBank of America CorporationNational Bank of CanadaCaisse Centrale DesjardinsBank of Hawaii CorporationHarris Bankcorp, Inc.Citigroup Inc.Fulton Financial CorporationWachovia CorporationBancWest CorporationM&T Bank CorporationFirst Citizens BancShares, Inc.U.S. BancorpRegions Financial CorporationFifth Third BancorpComerica IncorporatedCullen/Frost Bankers, Inc.Commerce Bancshares, Inc.City National CorporationCitizens Financial Group, Inc.JPMorgan Chase & Co.Compass Bancshares, Inc.Canadian Imperial Bank of CommerceZions BancorporationWhitney Holding CorporationWestern Alliance BancorporationBMW Bank of North AmericaUMB Financial CorporationTrustmark CorporationSantander BancorpPeople's United Financial Inc.Citizens Republic Bancorp, Inc.United Bankshares, Inc.Independent Bank CorporationIntegra Bank CorporationHudson Valley Holding Corp.Amarillo National Bancorp, IncorporatedUCBH Holdings, Inc.Pacific Capital BancorpNew York Community Bancorp, Inc.American Savings Bank, FSBFirst BanCorp Puerto RicoFlagstar Bancorp, Inc.SVB Financial GroupINTRUST Financial CorporationBanco Bilbao Vizcaya Argentaria Puerto RicoSusquehanna Bancshares, Inc.RBC Bancorporation (USA)Synovus Financial Corp.Morgan StanleyWebster Financial CorporationSovereign Bancorp, Inc.Doral Financial CorporationSouth Financial Group, Inc. (The)Popular, Inc.National City CorporationMerrill Lynch & Co., Inc.HSBC USA Inc.Goldman Sachs Group, Inc. (The)Huntington Bancshares IncorporatedFirst Horizon National CorporationColonial BancGroup, Inc. (The)Chevy Chase Bank F.S.B.First National of Nebraska, Inc.Amarillo National Bancorp, Incorporated; American Savings Bank, FSB; Associated Banc-Corp; ...88000877508750085500820640579801950790575600013495754000727990718450695900685200651910623160611850600064549600062875600050500600045690600045497600045332600036784600033362600023549600022629600015986600008119572250560000558600541000525960444195362000359000343600304025294500287800287200286525284000282790278025233000216500190000181600180295165000158518137170836500825235809874476807372057788350600064648600064647600064644600063708600063453600063292600063269600063252600063229600063189600062874600057031600053171600047568600047546600042894600039344600023470600015234600014660600011761600010242600010070600009695600009113600008778557500529000486000463200453900381104293000186815171135120700150.0000NewsAnnouncementPR_167951_88000Credit & Investment ResearchMoody's Global Credit Researchhttp://www.alacrastore.com/storecontent/bir/308024bir/308024normColonial BancGroup Inc.The Colonial BancGroup Inc.First Mercantile Bank N.A.Southern Bank of Central FloridaTB and T Inc.Ashville Savings BankCommercial Bankshares Inc.Southland BancorporationP.C.B. Bancorp Inc.Premier Community Bank of South FloridaPremier Community Bank of FloridaPremier Community Bank of Southwest FloridaPremier Community Bank VeniceUnion Bank of FloridaPalm Beach National Bank and TrustUnited StatesFinance: Bank holding company for state-chartered commercial banks.6712602255111152211017GMCNB11/11/2008 6:25:07 AM308024Company Profiles & FinancialsGale Company Profileshttp://www.alacrastore.com/storecontent/spcred/682350spcred/682350normThe latest Summary from S&Pglobalpubfin11/10/2008 3:27:46 PM175Summary682350United StatesRegional BanksUnited StatesGlobal IssuersPublic FinanceFinancial InstitutionsSummaryStandard&Poor's Ratings Services' ratings on Colonial BancGroup Inc. reflect Colonial's stalled earnings resulting from declining asset quality--specifically increasing losses related to the company's construction portfolio. The ratings also incorporate the ongoing concentration risk posed by the company's large portfolio of risk real estate loans, which makes the company's performance vulnerable to further deterioration. These concerns are somewhat mitigated by Colonial's strong liquidity position and increased capital measures, which provide a buffer against these credit headwinds. Colonial is primarily a real estate lender, with a full 79% of loans secured by real estate. Today, despite the company's being based in Alabama, the bulk of its assets are in Florida, where it has the sixth-largest bank market share in theUSA19549340101015 401010 4010 40Colonial BancGroup Inc.309891USACNBSUMMARYUSA19555419555640101015 401010 4010 40Colonial Bank109111USA8166ZGLOBISSPUBFINFICredit & Investment ResearchS&P Credit Researchhttp://www.alacrastore.com/storecontent/spcred/682349spcred/682349normThe latest Full Report from S&Pglobalpubfin11/10/2008 3:27:00 PM400Full Report682349United StatesRegional BanksUnited StatesGlobal IssuersPublic FinanceFinancial InstitutionsFull ReportStrong capital profile Good liquidity High-risk profile through concentration in commercial real estate and construction loans Increased losses related to Florida construction loans Lack of meaningful revenue diversity Standard&Poor's Ratings Services' ratings on Colonial BancGroup Inc. reflect Colonial's stalled earnings resulting from declining asset quality--specifically increasing losses related to the company's construction portfolio. The ratings also incorporate the ongoing concentration risk posed by the company's large portfolio of risk real estate loans, which makes the company's performance vulnerable to further deterioration. These concerns are somewhat mitigated by Colonial's strong liquidity position and increased capital measures, which provide a buffer against these credit headwinds. Colonial is primarily a real estate lender, with a full 79% of loans secured byUSA19549340101015 401010 4010 40Colonial BancGroup Inc.309891USACNBFULLUSA19560Q12480W19555419555640101015 401010 4010 40Colonial Capital Trust IVCBG Florida REIT Corp.Colonial Bank373226417916109111USA8166ZGLOBISSPUBFINFICredit & Investment ResearchS&P Credit Researchhttp://www.alacrastore.com/storecontent/spcred/680967spcred/680967normThe latest Research Update from S&Pglobalpubfin11/4/2008 1:10:00 PM175Research Update680967United StatesRegional BanksUnited StatesGlobal IssuersPublic FinanceFinancial InstitutionsResearch UpdateOn Nov. 4, 2008, Standard&Poor's Ratings Services lowered its ratings, including the long-term counterparty credit rating, on Colonial BancGroup Inc. At the same time, we lowered ratings on the company's subsidiaries, including its primary subsidiary, Colonial Bank. We lowered the long-term senior counterparty ratings on Colonial BancGroup to 'BBB-' from 'BBB', and on Colonial Bank to 'BBB' from 'BBB+', while affirming the 'A-2' short-term rating on the latter. The outlooks on both companies are negative. The downgrade reflects the rapid deterioration we've seen in Colonial's commercial real estate portfolio, particularly in its Florida residential construction exposure, and our ongoing concern about the future performance of the portfolio. The deterioration in this portfolio over the past three quarters hasUSA19549340101015 401010 4010 40Colonial BancGroup Inc.309891USACNBRESUPDUSA19560Q12480W19555619555440101015 401010 4010 40Colonial BankCBG Florida REIT Corp.Colonial Capital Trust IV109111373226417916USA8166ZGLOBISSPUBFINFICredit & Investment ResearchS&P Credit Researchhttp://www.alacrastore.com/storecontent/spcred/680966spcred/680966normThe latest News from S&Pglobalpubfin11/4/2008 1:10:00 PM100News680966United StatesRegional BanksUnited StatesGlobal IssuersPublic FinanceFinancial InstitutionsNewsNEW YORK (Standard&Poor's) Nov. 4, 2008--Standard&Poor's Ratings Services said today that it lowered its ratings, including the long-term counterparty credit rating, on Colonial BancGroup Inc. At the same time, we lowered ratings on the company's subsidiaries, including its primary subsidiary, Colonial Bank. We lowered the long-term senior counterparty ratings on Colonial BancGroup to 'BBB-' from 'BBB', and on Colonial Bank to 'BBB' from 'BBB+', while affirming the 'A-2' short-term rating on the latter. The outlooks on both companies are negative. "The downgrade reflects the rapid deterioration we've seen in Colonial's commercial real estate portfolio, particularly in its Florida residential construction exposure, and our ongoing concern about how this portfolio might perform in the future," said StandardUSA19549340101015 401010 4010 40Colonial BancGroup Inc.309891USACNBNEWSUSA19555419555640101015 401010 4010 40Colonial Bank109111USA8166ZGLOBISSPUBFINFICredit & Investment ResearchS&P Credit Researchhttp://www.alacrastore.com/storecontent/moodys/CMT_0000460849moodys/CMT_0000460849htmlGlobal Credit Research Issuer Comment ## OCT #### Issuer Comment: Regions Financial Corporation Earnings Commentary - #Q## In September ####, Moody's changed the outlook on Regions Financial Corporation (senior at A#) and its subsidiaries,...11/1/2008 12:37:49 PMhtmlRegions Financial CorporationSovereign Bancorp, Inc.South Financial Group, Inc. (The)First Horizon National CorporationColonial BancGroup, Inc. (The)Zions BancorporationColonial BancGroup, Inc. (The); First Horizon National Corporation; ...282790600009695600008778293000186815836500150.0000NewsIssuer CommentCMT_0000460849Credit & Investment ResearchMoody's Global Credit Researchhttp://www.alacrastore.com/storecontent/fitch/446726_pr_framefitch/446726_pr_framehtmlFitch Ratings is a leading global rating agency committed to providing the world's credit markets with independent, timely and prospective credit opinions. Built on a foundation of organic growth and strategic acquisitions, Fitch Ratings has grown rapidly during the past decade gaining market presence throughout the world and across all fixed income markets.The Colonial BancGroup, Inc.CBG Florida REIT Corp.Colonial Capital Trust IVColonial Bank, NA8008979380089681864281168545747310/27/2008 6:30:00 PM010100000101010085Press ReleaseCNB446726_pr_frameCredit & Investment ResearchFitch Researchhttp://www.alacrastore.com/storecontent/newstex/PZM-0001-28954173newstex/PZM-0001-28954173xml Oct. ##, #### (GlobeNewswire delivered by Newstex) -- NEW YORK, Oct. ##, #### (GLOBE NEWSWIRE) -- Dow Jones Indexes, a leading global index provider, today announced component changes in the Dow Jones U.S. Select Dividend Index.Colonial...0400000004002000040170000401700210/23/2008 6:23:28 PM180000001800500018022000GlobeNewswirePZM-0001-28954173COLONIAL BANCGROUP INCHOME DEPOT INCCNBHDNewsNewstexhttp://www.alacrastore.com/storecontent/ccbn/T1990332ccbn/T1990332norm...Please stand by. At this time all participants are in a listen-only mode. After the presentation we will conduct a question-and-answer session. (Operator Instructions.) Today's conference is being recorded. If you have any objections, you may disconnect at this time. Now we will turn the meeting over to Lisa Free. Thank you, ma'am. You may begin. ... 10/22/2008 10:06:00 PMColonial Bank54.0000FinalColonial Bank Q3 2008 Earnings Conference Call TranscriptCNB5:00pm ETTranscriptT1990332Credit & Investment ResearchThomson StreetEventshttp://www.alacrastore.com/storecontent/ccbn/B1990332ccbn/B1990332norm...When Co.'s purpose is to conserve capital, and when it is not earning money it has to cut the dividend or suspend dividend. ... 10/22/2008 8:06:00 PMColonial Bank54.0000EditedColonial Bank Q3 2008 Earnings Conference Call SummaryCNB5:00pm ETBriefB1990332Credit & Investment ResearchThomson StreetEventshttp://www.alacrastore.com/storecontent/ccbn/T1938292ccbn/T1938292norm... - Lehman Brothers - AnalystGood morning, everyone, and welcome back to the second day of our global financial services conference. Opening up today's session is Colonial BancGroup. I am very pleased to have with us today Mr. Bobby Lowder, CEO of Colonial BancGroup; Sarah Moore, CFO; and Patti Hill, head of retail banking. In the audience is Lisa Free, Director of investor relations. Without further ado, please join me in welcoming senior management of Colonial BancGroup. ... 9/9/2008 1:05:00 PMColonial Bank54.0000FinalColonial Bank at Lehman Brothers Global Finance Services Conference TranscriptCNB7:30am ETTranscriptT1938292Credit & Investment ResearchThomson StreetEventshttp://www.alacrastore.com/storecontent/spcred/669130spcred/669130normThe latest News from S&Pglobalpubfin9/3/2008 1:11:00 PM100News669130United StatesRegional BanksUnited StatesGlobal IssuersPublic FinanceFinancial InstitutionsNewsNEW YORK (Standard&Poor's) Sept. 3, 2008--Standard&Poor's Ratings Services said today that it affirmed its 'BBB' long-term counterparty credit rating on Colonial BancGroup Inc., and its 'BBB+/A-2' counterparty credit rating of Colonial's subsidiary, Colonial Bank. At the same time, the outlook is revised to negative from stable. The negative outlook is a result of a broader review of U.S. regional bank institutions.  "The outlook revision reflects the rapid deterioration we've seen in Colonial's construction portfolio, particularly in its Florida residential construction exposure. We view Colonial's large concentration of risk real estate loans as an area of ongoing concern, particularly in construction lending, which comprises 37% of total loans, of which 47% are based in the hard-hit FloridaUSA19549340101015 401010 4010 40Colonial BancGroup Inc.309891USACNBNEWSUSA19555419555640101015 401010 4010 40Colonial Bank109111USA8166ZGLOBISSPUBFINFICredit & Investment ResearchS&P Credit Researchhttp://www.alacrastore.com/storecontent/spcred/669131spcred/669131normThe latest Research Update from S&Pglobalpubfin9/3/2008 1:11:00 PM175Research Update669131United StatesRegional BanksUnited StatesGlobal IssuersPublic FinanceFinancial InstitutionsResearch UpdateOn Sept. 3, 2008, Standard&Poor's Ratings Services affirmed its 'BBB' long-term counterparty credit rating on Colonial BancGroup Inc., and its 'BBB+/A-2' counterparty credit rating of Colonial's subsidiary, Colonial Bank. At the same time, the outlook is revised to negative from stable. The outlook revision is a result of a broader review of U.S. regional bank institutions. The outlook revision reflects the rapid deterioration we've seen in Colonial's construction portfolio, particularly in its Florida residential construction exposure. We view Colonial's large concentration of risk real estate loans as an area of ongoing concern, particularly in construction lending, which comprises 37% of total loans, of which 47% are based in the hard-hit Florida market. The deterioration in this portfolio duringUSA19549340101015 401010 4010 40Colonial BancGroup Inc.309891USACNBRESUPDUSA19560Q19555612480W19555440101015 401010 4010 40Colonial Capital Trust IVColonial BankCBG Florida REIT Corp.109111373226417916USA8166ZGLOBISSPUBFINFICredit & Investment ResearchS&P Credit Researchhttp://www.alacrastore.com/storecontent/ccbn/B1884026ccbn/B1884026norm...Increased foreclosed ORE assets by $##m bringing non-performing assets to #.##% of loans and Other Real Estate. ... 7/16/2008 8:05:00 PMColonial Bank54.0000EditedQ2 2008 Colonial Bank Earnings Conference Call SummaryCNB5:00pm ETBriefB1884026Credit & Investment ResearchThomson StreetEventshttp://www.alacrastore.com/storecontent/ccbn/T1884026ccbn/T1884026norm...Welcome and thank you for standing by. At this time all participants are in a listen-only mode. After the presentation we will conduct a question-and-answer session. (OPERATOR INSTRUCTIONS) Today's conference is being recorded. If you have any objections you may disconnect at this time. Now I will turn the meeting over to Lisa Free. Thank you ma'am. You may begin. ... 7/16/2008 7:05:00 PMColonial Bank54.0000FinalQ2 2008 Colonial Bank Earnings Conference Call TranscriptCNB5:00pm ETTranscriptT1884026Credit & Investment ResearchThomson StreetEventshttp://www.alacrastore.com/storecontent/fitch/417835_pr_framefitch/417835_pr_framehtmlFitch Ratings is a leading global rating agency committed to providing the world's credit markets with independent, timely and prospective credit opinions. Built on a foundation of organic growth and strategic acquisitions, Fitch Ratings has grown rapidly during the past decade gaining market presence throughout the world and across all fixed income markets.CBG Florida REIT Corp.Colonial Bank, NAColonial Capital Trust IVThe Colonial BancGroup, Inc.800896818008979385457473864281164/21/2008 6:29:00 PM010100000101010085Press ReleaseCNB417835_pr_frameCredit & Investment ResearchFitch Researchhttp://www.alacrastore.com/storecontent/ccbn/B1803481ccbn/B1803481norm...CNB reported significant increase in #Q## earnings over #Q##. Co. expects the remainder of #### to be challenging in operating environment for all banks. ... 4/21/2008 3:04:00 PMColonial Bank54.0000EditedQ1 2008 Colonial Bank Earnings Conference Call SummaryCNB9:00am ETBriefB1803481Credit & Investment ResearchThomson StreetEventshttp://www.alacrastore.com/storecontent/ccbn/T1803481ccbn/T1803481norm...Good day, everyone, and thank you for joining us for the Colonial BancGroup first-quarter #### earnings call. At this time, all participants are in a listen-only mode, and after the presentation, we will conduct a question-and-answer session. (OPERATOR INSTRUCTIONS). Today's conference is being recorded and if you have any objections, you may disconnect at this time. Now we will turn the meeting over to Lisa Free. Please go ahead, ma'am. ... 4/21/2008 12:04:00 PMColonial Bank54.0000FinalQ1 2008 Colonial Bank Earnings Conference Call TranscriptCNB9:00am ETTranscriptT1803481Credit & Investment ResearchThomson StreetEvents