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

PARENT COMPANY INCOME STATEMENT

PAGE 20

OPERATING INCOME ($000) ----------------------Income From Bank Subsidiaries Dividends Interest Management and Service Fees Other Income Income From Nonbank Subsidiaries Dividends Interest Management and Service Fees Other Income Income From Subsidiary BHCs Dividends Interest Management and Service Fees Other Income Total Income From Subsidiaries Securities Gains (Losses) Other Operating Income Total Operating Income OPERATING EXPENSES ($000) ------------------------Personnel Expenses Interest Expense Other Expenses Provision for Loan and Lease Losses Total Operating Expenses Income (Loss) Before Taxes Applicable Income Taxes (Credit) Extraordinary Items Income Before Undist Inc of Subs Equity in Undistributed Inc of Subs Bank Subsidiaries Nonbank Subsidiaries Subsidiary BHCs Net Income (Loss) MEMORANDA --------Bank Net Income Nonbank Net Income Subsidiary BHCs' Net Income

mm/dd/yyyy -----------136,512 113,000 22,224 1,288 0 1,593 84 551 958 0 0 0 0 0 0 138,105 2,882 8,044 149,031

mm/dd/yyyy -----------96,265 84,100 10,871 1,294 0 570 110 358 102 0 0 0 0 0 0 96,835 1,013 8,728 106,576

mm/dd/yyyy -----------411,791 341,000 62,146 8,645 0 4,107 991 2,076 1,040 0 90,000 90,000 0 0 0 505,898 8,180 35,709 549,787

mm/dd/yyyy -----------297,899 261,550 30,485 5,864 0 2,645 468 1,168 1,009 0 0 0 0 0 0 300,544 1,534 38,184 340,262

mm/dd/yyyy -----------315,451 296,250 13,320 5,881 0 2,272 135 1,265 872 0 0 0 0 0 0 317,723 2,674 33,270 353,667

PERCENT CHANGE 1-YR 5-YR -------------41.8 303.1 34.4 253.1 104.4 2053.5 -0.5 54.6 N/A N/A 179.5 -23.6 53.9 839.2 N/A N/A N/A N/A N/A N/A 42.6 184.5 -7.8 39.8 382.7 N/A 387.6 341.5 N/A N/A N/A N/A N/A N/A 303.9 N/A 407.5 316.5

4,804 28,166 13,448 0 46,418 102,613 -3,929 0 106,542 46,716 26,825 -1,000 20,891 153,258

3,219 25,140 14,030 0 42,389 64,187 -8,459 0 72,646 64,987 45,033 -2,529 22,483 137,633

14,841 112,726 59,037 -8 186,596 363,191 -29,541 0 392,732 190,393 193,437 -17 -3,027 583,125

14,078 61,277 50,838 -37 126,156 214,106 -21,207 0 235,313 244,808 232,367 4,990 7,451 480,121

17,431 33,304 48,244 -29 98,950 254,717 -20,095 0 274,812 131,175 130,987 188 0 405,987

49.2 12.0 -4.2 N/A 9.5 59.9 N/A N/A 46.7 -28.1 -40.4 N/A -7.1 11.4

376.1 296.5 205.8 N/A 271.0 341.0 N/A N/A 250.2 -5.1 -50.6 N/A N/A 92.5

139,825 -916 20,891

129,133 -2,419 22,483

534,437 974 86,973

493,917 5,458 7,451

427,237 323 0

8.3 N/A -7.1

62.0 N/A N/A

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BHCPR User’s Guide • March 2007

Parent Company Income Statement ($000)

BHCPR page 20 presents the parent company income statement (Sched­ ule PI of the FR Y-9LP) and shows dollar balances and growth rates of operating income and oper­ ating expense items. Operating income items consist of income flows from the bank, nonbank, and bank holding company subsidiaries and include dividends, interest income, management and service fees, and other income. Operating expenses include personnel expenses, interest expense, provision for loan and lease losses, and other expenses. Dollar values and growth rates of bank, nonbank, and subsidiary BHCs’ net income are also presented in the memoranda section. The last two columns on the right provide one- and five-year percent changes for each parent company income and expense category. (See the description of Growth Rates on page 2-3.) with services rendered to, and paid or payable by, bank subsidiaries and associated banks. Other Income
(From Bank Subsidiaries)
All other income to the bank holding company that relates to transactions with, and paid or payable by, bank subsidiaries and associated banks. Income from Nonbank Subsidiaries Total income (dividend income, interest income, management and service fees, and other income) from direct investments in and transactions with direct and indirect nonbank subsidiaries and associ­ ated nonbank companies, excluding equity in undistributed income and income from banks, subsidiaries of banks, and Edge Act and Agreement subsidiaries. Dividends
(From Nonbank Subsidiaries)
bank subsidiaries and associated nonbank companies. Income from Subsidiary BHCs Total income (dividend income, interest income, management and service fees, and other income) from direct investments in and transac­ tions with direct and indirect sub­ sidiary bank holding companies and associated bank holding companies, excluding equity in undistributed income. Dividends
(From Subsidiary BHCs)
Dividend income declared or paid to the bank holding company by bank holding company subsidiaries and associated bank holding companies. Interest
(From Subsidiary BHCs)
Interest income to the bank holding company on extensions of credit to, and paid or payable by, bank holding company subsidiaries and associated bank holding companies. Management and Service Fees (From Subsidiary BHCs) Management and service fees to the bank holding company in connection with services rendered to, and paid or payable by, bank holding company subsidiaries and associated bank holding companies. Other Income
(From Subsidiary BHCs)
All other income to the bank holding company that relates to transactions with, and paid or payable by, bank holding company subsidiaries and associated bank holding companies. Total Income from Subsidiaries Other Income
(From Nonbank Subsidiaries)
All other income to the bank holding company that relates to transactions with, and paid or payable by, non­ The sum of dividend income, inter­ est income, management and service fees, and other income received from bank, nonbank, and bank holding company subsidiaries. 3-91

Operating Income
Income from Bank Subsidiaries Total income (dividend income, interest income, management and service fees, and other income) from direct investments in and transac­ tions with direct and indirect bank subsidiaries and associated banks, excluding equity in undistributed income. Dividends (From Bank Subsidiaries) Dividend income declared or paid to the bank holding company by bank subsidiaries and associated banks. Interest (From Bank Subsidiaries) Interest income to the bank holding company on extensions of credit to, and paid or payable by, bank sub­ sidiaries and associated banks. Management and Service Fees (From Bank Subsidiaries) Management and service fees to the bank holding company in connection
BHCPR User’s Guide • March 2007

Dividend income declared or paid to the bank holding company by nonbank subsidiaries and associated nonbank companies. Interest
(From Nonbank Subsidiaries)
Interest income to the bank holding company on extensions of credit to, and paid or payable by, nonbank subsidiaries and associated nonbank companies. Management and Service Fees (From Nonbank Subsidiaries) Management and service fees to the bank holding company in connection with services rendered to, and paid or payable by, nonbank subsidiaries and associated nonbank companies.

Securities Gains (Losses) The net gain or loss realized from the sale, exchange, redemption, or retire­ ment of securities. Other Operating Income All other operating income, exclud­ ing income from subsidiaries and associated companies. Total Operating Income The sum of total income from sub­ sidiaries, securities gains (losses), and other operating income.

losses, including the provision for allocated transfer risk. Income (Loss) before Taxes Total operating income minus total operating expenses. Applicable Income Taxes (Credit) The estimated amount of current and deferred income taxes, federal, state, and local (estimated or accrued) on a parent company only basis. Extraordinary Items The net amount of extraordinary items less applicable taxes including non-operating items. Income before Undistributed Income of Subsidiaries The sum of income before taxes and extraordinary items minus applicable income taxes. Equity in Undistributed Income of Subsidiaries The parent company’s equity in the undistributed income of bank, non­ bank, and bank holding company subsidiaries less applicable taxes. (Equity in Undistributed Income of) Bank Subsidiaries The parent company’s equity in the undistributed income of bank sub­ sidiaries, Edge Act and Agreement subsidiaries, and associated banks less applicable taxes. (Equity in Undistributed Income of) Nonbank Subsidiaries The parent company’s equity in the

undistributed income of nonbank subsidiaries and associated nonbank companies less applicable taxes. (Equity in Undistributed Income of) Subsidiary BHCs The parent company’s equity in the undistributed income of bank hold­ ing company subsidiaries and asso­ ciated bank holding companies less applicable taxes. Net Income (Loss) Income (loss) before undistributed income of subsidiaries and associ­ ated companies plus equity in undis­ tributed income of subsidiaries and associated companies.

Operating Expenses
Personnel Expenses Expenses on salaries, wages of offi­ cers and employees, pensions, and employee benefits. Interest Expense Interest expense on all debt instru­ ments issued by the bank holding company. Other Expenses All other operating expenses of the bank holding company including amortization of intangible assets. Provision for Loan & Lease Losses The year-to-date provision for loan and lease losses. Total Operating Expenses The sum of personnel expenses, interest expense, other expenses, and the provision for loan and lease

Memoranda
Bank Net Income Dividends from bank subsidiaries and associated banks plus equity in undistributed income of bank sub­ sidiaries, Edge Act and Agreement subsidiaries, and associated banks. Nonbank Net Income Dividends from nonbank subsidiaries and associated nonbank companies plus equity in undistributed income of nonbank subsidiaries and associ­ ated nonbank companies. Subsidiary BHCs’ Net Income Dividends from subsidiary bank holding companies plus equity in undistributed income of subsidiary bank holding companies.

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BHCPR User’s Guide • March 2007