1234567 SAMPLE BANK HOLDING COMPANY RICHMOND, VA FR Dist: 05 Peer: 1

30+ DAYS PAST DUE AND NONACCRUAL LNS&LS AS A PERCENT OF LOAN TYPE -------------------------------MEMORANDA:
1-4 Family - 30-89 Days PD - 90+ Days Past Due - Nonaccrual Revolving - 30-89 Days PD - 90+ Days Past Due - Nonaccrual - 30-89 Days PD - 90+ Days Past Due - Nonaccrual Jr Lien 30-89 Days PD Jr Lien 90+ Days PD Jr Lien Nonaccrual

PAST DUE AND NONACCRUAL LOANS AND LEASES (CONTINUED)

PAGE 13B

mm/dd/yyyy BHC PEER 01 PCT ----------------0.35 0.08 0.08 0.05 0.02 0.02 0.45 0.11 0.10 0.07 0.01 0.07 0.58 0.20 0.15 1.02 0.33 0.12 0.46 0.31 0.04 0.56 0.02 0.08 0.84 0.14 0.60 0.23 0.10 0.15 0.14 0.08 0.06 0.09 0.02 0.09 1.39 0.00 1.42 3.73 0.89 0.15 0.88 0.18 0.60 0.59 0.07 0.33 0.99 0.23 0.68 0.09 0.01 0.06 0.69 0.06 0.59 1.02 0.07 0.69 0.41 0.02 0.25 0.55 0.03 0.35 0.59 0.06 0.43 0.47 0.04 0.48 0.19 0.01 0.20 0.27 0.02 0.24 0.44 0.06 0.59 1.49 0.94 0.14 15 46 10 13 51 21 24 53 13 43 56 59 51 87 15 57 90 15 62 96 27 57 66 34 70 80 75 27 83 19 45 90 27 27 62 34 89 36 81 89 57 74

mm/dd/yyyy BHC PEER 01 PCT ----------------0.47 0.03 0.17 0.16 0.03 0.00 0.55 0.03 0.21 0.07 0.00 0.06 0.40 0.04 0.14 0.48 0.05 0.15 N/A N/A N/A N/A N/A N/A 0.35 0.29 0.30 0.35 0.01 0.13 N/A N/A N/A N/A N/A N/A 1.03 0.11 5.94 3.74 0.57 0.42 0.70 0.18 0.44 0.36 0.05 0.18 0.84 0.24 0.52 0.06 0.01 0.04 0.55 0.03 0.46 0.69 0.02 0.35 N/A N/A N/A N/A N/A N/A 0.45 0.01 0.45 0.48 0.03 0.53 N/A N/A N/A N/A N/A N/A 0.43 0.03 0.76 1.46 0.77 0.10 30 33 33 22 55 19 35 35 33 55 52 69 46 73 15 44 81 41 N/A N/A N/A N/A N/A N/A 60 95 53 43 50 18 N/A N/A N/A N/A N/A N/A 85 79 98 93 53 82

mm/dd/yyyy BHC PEER 01 PCT ----------------0.25 0.06 0.09 0.05 0.02 0.03 0.31 0.07 0.10 0.04 0.01 0.06 0.70 0.15 0.18 1.16 0.26 0.17 N/A N/A N/A N/A N/A N/A 0.99 0.01 0.62 0.30 0.07 0.16 N/A N/A N/A N/A N/A N/A 0.40 0.00 1.83 4.37 0.85 0.16 1.04 0.20 0.50 0.65 0.08 0.26 1.19 0.24 0.58 0.10 0.01 0.05 0.63 0.05 0.54 0.87 0.05 0.50 N/A N/A N/A N/A N/A N/A 0.43 0.04 0.38 0.47 0.03 0.51 N/A N/A N/A N/A N/A N/A 0.44 0.05 0.58 1.69 0.98 0.13 11 40 16 9 42 30 11 43 17 29 68 64 64 86 14 70 91 37 N/A N/A N/A N/A N/A N/A 83 69 72 38 80 22 N/A N/A N/A N/A N/A N/A 60 37 87 93 56 77

mm/dd/yyyy BHC PEER 01 ------------0.47 0.07 0.15 0.14 0.02 0.00 0.54 0.09 0.19 0.06 0.01 0.05 0.35 0.05 0.22 0.37 0.06 0.28 N/A N/A N/A N/A N/A N/A 0.70 0.05 0.21 0.31 0.04 0.17 N/A N/A N/A N/A N/A N/A 4.29 0.00 2.33 4.25 0.73 0.41 0.82 0.20 0.42 0.39 0.05 0.14 1.01 0.27 0.50 0.07 0.01 0.04 0.54 0.04 0.42 0.63 0.05 0.24 N/A N/A N/A N/A N/A N/A 0.50 0.03 0.29 0.45 0.03 0.53 N/A N/A N/A N/A N/A N/A 0.39 0.02 0.89 1.52 0.82 0.08

mm/dd/yyyy
BHC PEER 01
------------
0.24 0.10 0.24 0.07 0.07 0.05 0.29 0.11 0.29 0.03 0.01 0.02 0.26 0.04 0.22 0.32 0.05 0.04 N/A N/A N/A N/A N/A N/A 0.00 0.03 0.00 0.24 0.03 0.33 N/A N/A N/A N/A N/A N/A 0.53 1.61 2.51 4.46 1.17 0.38 0.71
0.15
0.39
0.31
0.04
0.13
0.91
0.19
0.50
0.08
0.01
0.05
0.43
0.04
0.45
0.63
0.03
0.27
N/A
N/A
N/A
N/A
N/A
N/A
0.26
0.01
0.27
0.37
0.03
0.55
N/A
N/A
N/A
N/A
N/A
N/A
0.37
0.06
1.14
1.56
0.83
0.05

Closed-End

Commercial RE - 30-89 Days PD - 90+ Days Past Due - Nonaccrual Const & Dev 1-4 Fam 30-89 Days PD 90+ Days Past Due Nonaccrual - 30-89 Days PD - 90+ Days PD - Nonaccrual - 30-89 Days PD - 90+ Days PD - Nonaccrual

Other

Multifamily - 30-89 Days PD - 90+ Days Past Due - Nonaccrual Nonfarm NresOwner Occ 30-89 Days PD 90+ Days Past Due Nonaccrual - 30-89 Days PD - 90+ Days PD - Nonaccrual - 30-89 Days PD - 90+ Days PD - Nonaccrual 30-89 Days PD 90+ Days Past Due Nonaccrual 30-89 Days PD 90+ Days Past Due Nonaccrual

Other

Farmland

Credit Card

-

Note: 30-89 Days Past Due amounts and ratios are confidential prior to month yyyy.

BHCPR User’s Guide • March 2007

3-61

Past Due and Nonaccrual Loans and Leases (continued)

Memoranda
Real Estate Loans Secured by 1–4 Family—30 to 89 Days Past Due (Percent of Real Estate Loans Secured by 1–4 Family) Real estate loans secured by one- to four-family residential properties that are 30 to 89 days past due divided by real estate loans secured by one- to four-family residential properties, gross of unearned income. Real Estate Loans Secured by 1–4 Family— 90 Days and Over Past Due (Percent of Real Estate Loans Secured by 1–4 Family) Real estate loans secured by one- to four-family residential properties that are 90 days or more past due divided by real estate loans secured by one- to four-family residential properties, gross of unearned income. Real Estate Loans Secured by 1–4 Family—Nonaccrual (Percent of Real Estate Loans Secured by 1–4 Family) Real estate loans secured by one- to four-family residential properties that are in nonaccrual status divided by real estate loans secured by one- to four-family residential properties, gross of unearned income. Revolving—30 to 89 Days Past Due (Percent of Revolving Real Estate Loans Secured by 1–4 Family) Revolving open-end real estate loans secured by one- to four-family residential properties and extended under lines of credit that are 30 to 89 days past due divided by the outstanding balance of revolving open-end real estate loans secured by one- to four-family residential proper­ ties, gross of unearned income. Revolving—
90 Days and Over Past Due
(Percent of Revolving Real Estate
Loans Secured by 1–4 Family)
Revolving open-end real estate 3-62 loans secured by one- to four-family residential properties and extended under lines of credit that are 90 days or more past due divided by the outstanding balance of revolving open-end real estate loans secured by one- to four-family residential proper­ ties, gross of unearned income. Revolving—Nonaccrual (Percent of Revolving Real Estate Loans Secured by 1–4 Family) Nonaccrual revolving open-end real estate loans secured by one- to four-family residential properties and extended under lines of credit divided by the outstanding balance of revolving open-end real estate loans secured by one- to four-family resi­ dential properties, gross of unearned income. Closed-End—30 to 89 Days Past Due (Percent of Closed-End 1–4 Family) Other real estate loans secured by first and junior liens on one- to fourfamily residential properties that are 30 to 89 days past due divided by the outstanding balance of other real estate loans secured by first and junior liens on one- to fourfamily residential properties, gross of unearned income. Closed-End—
90 Days and Over Past Due
(Percent of Closed-End 1–4 Family)
Other real estate loans secured by first and junior liens on one- to fourfamily residential properties that are 90 days or more past due divided by the outstanding balance of other real estate loans secured by first and junior liens on one- to fourfamily residential properties, gross of unearned income. Closed-End—Nonaccrual
(Percent of Closed-End 1–4 Family)
Other real estate loans secured by first and junior liens on one- to fourfamily residential properties that are in nonaccrual status divided by the outstanding balance of other real estate loans secured by first and junior liens on one- to fourfamily residential properties, gross of unearned income. Closed-end—30 to 89 Days Past Due,
Junior Lien
(Percent of Closed-End 1–4 Family)
Other real estate loans secured by junior liens on one- to four-family residential properties that are 30 to 89 days past due divided by the outstanding balance of other real estate loans secured by first and junior liens on one- to fourfamily residential properties, gross of unearned income. Closed-End—90 Days and Over Past Due, Junior Lien (Percent of Closed-End 1–4 Family) Other real estate loans secured by junior liens on one- to four-family residential properties that are 90 days or more past due divided by the out­ standing balance of other real estate loans secured by first and junior liens on one- to four-family residen­ tial properties, gross of unearned income. Close-End—Nonaccrual, Junior Lien (Percent of Closed-End 1–4 Family) Other real estate loans secured by junior liens on one- to fourfamily residential properties that are in nonaccrual status divided by the outstanding balance of other real estate loans secured by first and junior liens on one- to fourfamily residential properties, gross of unearned income. Commercial Real Estate Loans—
30 to 89 Days Past Due
(Percent of Commercial Real Estate
Loans)
Commercial real estate loans con­ sisting of construction and land development loans and real estate loans secured by multifamily resi­ dential properties and nonfarm non­ residential properties that are 30 to 89 days past due divided by the sum
BHCPR User’s Guide • March 2007

of the outstanding balances, gross of unearned income, of the same com­ mercial real estate loan categories. Commercial Real Estate Loans— 90 Days and Over Past Due (Percent of Commercial Real Estate Loans) Commercial real estate loans consist­ ing of construction and land devel­ opment loans, and real estate loans secured by multifamily residential properties and nonfarm nonresi­ dential properties that are 90 days or more past due divided by the sum of the outstanding balances, gross of unearned income, of the same com­ mercial real estate loan categories. Commercial Real Estate Loans—
Nonaccrual
(Percent of Commercial Real Estate
Loans)
Nonaccrual commercial real estate loans consisting of construction and land development loans and real estate loans secured by multifamily residential properties and nonfarm nonresidential properties divided by the sum of the outstanding bal­ ances, gross of unearned income, of the same commercial real estate loan categories. Construction and Land Development— 30 to 89 Days Past Due (Percent of Construction and Land Development Loans) Construction and land development loans that are 30 to 89 days past due divided by the outstanding balance of construction and land development loans, gross of unearned income. Construction and Land Development— 90 Days and Over Past Due (Percent of Construction and Land Development Loans) Construction and land develop­ ment loans that are 90 days or more past due divided by the out­ standing balance of construction and land development loans, gross of unearned income.
BHCPR User’s Guide • March 2007

Construction and Land Development—
Nonaccrual
(Percent of Construction and Land
Development Loans)
Construction and land development loans in nonaccrual status divided by the outstanding balance of construc­ tion and land development loans, gross of unearned income. 1–4 Family—30–89 Days Past Due (Percent of Construction & Land Development) 1–4 family construction & land devel­ opment loans that are 30 to 89 days past due divided by the outstanding balance of construction & land devel­ opment loans, gross of unearned income. 1–4 Family—
90 Days and Over Past Due
(Percent of Construction & Land
Development)
1–4 family construction & land development loans that are 90 days or more past due divided by the outstanding balance of construction & land development loans, gross of unearned income. 1–4 Family—Nonaccrual (Percent of Construction & Land Development) Nonaccrual 1–4 family construction & land development loans divided by the outstanding balance of construc­ tion & land development loans, gross of unearned income. Other—30–89 Days Past Due (Percent of Construction & Land Development) Other construction & land develop­ ment loans that are 30 to 89 days past due divided by the outstanding balance of construction & land devel­ opment loans, gross of unearned income. Other—90 Days and Over Past Due (Percent of Construction & Land Development) Other construction & land develop­ ment loans that are 90 days or more

past due divided by the outstanding balance of construction & land devel­ opment loans, gross of unearned income. Other—Nonaccrual (Percent of Construction & Land Development) Nonaccrual other construction & land development loans divided by the outstanding balance of construction & land development loans, gross of unearned income. Multifamily—30 to 89 Days Past Due (Percent of Multifamily Real Estate Loans) Real estate loans secured by mul­ tifamily residential properties that are 30 to 89 days past due divided by the outstanding balance of real estate loans secured by multifam­ ily residential properties, gross of unearned income. Multifamily—
90 Days and Over Past Due
(Percent of Multifamily Real Estate
Loans)
Real estate loans secured by mul­ tifamily residential properties that are 90 days or more past due divided by the outstanding balance of real estate loans secured by multifam­ ily residential properties, gross of unearned income. Multifamily—Nonaccrual (Percent of Multifamily Real Estate Loans) Nonaccrual real estate loans secured by multifamily residential properties divided by the outstanding balance of real estate loans secured by multi­ family residential properties, gross of unearned income. Nonfarm Nonresidential—
30 to 89 Days Past Due
(Percent of Nonfarm Nonresidential
Loans)
Real estate loans secured by nonfarm nonresidential properties that are 30 to 89 days past due divided by the outstanding balance of real estate 3-63

loans secured by nonfarm nonresi­ dential properties, gross of unearned income. Nonfarm Nonresidential— 90 Days and Over Past Due (Percent of Nonfarm Nonresidential Loans) Real estate loans secured by nonfarm nonresidential properties that are 90 days or more past due divided by the outstanding balance of real estate loans secured by nonfarm nonresidential properties, gross of unearned income. Nonfarm Nonresidential—Nonaccrual (Percent of Nonfarm Nonresidential Loans) Nonaccrual real estate loans secured by nonfarm nonresidential properties divided by the outstanding balance of real estate loans secured by nonfarm nonresidential properties, gross of unearned income. Owner-Occupied—
30 to 89 Days Past Due
(Percent of Nonfarm Nonresidential
Loans)
Owner-occupied nonfarm nonresi­ dential loans that are 30 to 89 days past due divided by the outstanding balance of nonfarm nonresiden­ tial loans, gross of unearned income. Owner-Occupied—
90 days and Over Past Due
(Percent of Nonfarm Nonresidential
Loans)
Owner-occupied nonfarm nonresi­ dential loans that are 90 days or more past due divided by the outstanding balance of nonfarm nonresidential loans, gross of unearned income.

Owner-Occupied—Nonaccrual (Percent of Nonfarm Nonresidential Loans) Nonaccrual owner-occupied nonfarm nonresidential loans that are 90 days or more past due divided by the outstanding balance of nonfarm non­ residential loans, gross of unearned income. Other—30 to 90 Days Past Due (Percent of Nonfarm Nonresidential Loans) Other nonfarm nonresidential loans that are 30 to 89 days past due divided by the outstanding balance of non­ farm nonresidential loans, gross of unearned income. Other—90 Days and Over Past Due (Percent of Nonfarm Nonresidential Loans) Other nonfarm nonresidential loans that are 90 days or more past due divided by the outstanding balance of nonfarm nonresidential loans, gross of unearned income. Other—Nonaccrual (Percent of Nonfarm Nonresidential Loans) Nonaccrual Other nonfarm nonresi­ dential loans that are 90 days or more past due divided by the outstanding balance of nonfarm nonresidential loans, gross of unearned income. Real Estate Loans Secured by Farmland—30 to 89 Days Past Due (Percent of Real Estate Loans Secured by Farmland) Real estate loans secured by farmland that are 30 to 89 days past due divided by the outstanding balance of real estate loans secured by farmland, gross of unearned income.

Real Estate Loans Secured by Farmland— 90 Days and Over Past Due (Percent of Real Estate Loans Secured by Farmland) Real estate loans secured by farm­ land that are 90 days or more past due divided by the outstanding balance of real estate loans secured by farmland, gross of unearned income. Real Estate Loans Secured by Farmland—Nonaccrual (Percent of Real Estate Loans Secured by Farmland) Nonaccrual real estate loans secured by farmland divided by the outstanding balance of real estate loans secured by farmland, gross of unearned income. Credit Card Loans—
30 to 89 Days Past Due
(Percent of Credit Card Loans)
Credit card loans on which interest or principal is due and unpaid for 30 to 89 days divided by the outstanding balance of credit card loans, gross of unearned income. Credit Card Loans— 90 Days and Over Past Due (Percent of Credit Card Loans) Credit card loans on which interest or principal is due and unpaid for 90 days or more divided by the out­ standing balance of credit card loans, gross of unearned income. Credit Card Loans—Nonaccrual (Percent of Credit Card Loans) Nonaccrual credit card loans divided by the outstanding balance of credit card loans, gross of unearned income.

3-64

BHCPR User’s Guide • March 2007