1234567 SAMPLE BANK HOLDING COMPANY RICHMOND, VA FR Dist: 05 Peer: 1 mm/dd/yyyy BHC PEER 01 PCT ----------------52.56 40.18 82 17.31 12.32 79 1.72 5.45 30 0.06 0.08 70 0.34 0.22 72 2.13 3.10 42 73.31 63.18 79 7.11 13.51 19 0.28 0.21 70 80.70 77.74 41 0.

04 0.61 29 1.99 3.36 58 4.10 2.76 73 0.07 1.51 36 86.89 88.40 33 3.24 2.07 86 0.05 0.06 61 9.87 9.40 58

PERCENT COMPOSITION OF ASSETS

PAGE 7

PERCENT OF TOTAL ASSETS ----------------------Real Estate Loans Commercial and Industrial Loans Loans to Individuals Loans to Dep Inst & Oth Bank Accept Agricultural Loans Other Loans and Leases Net Loans and Leases Debt Securities Over 1 Year Mutual Funds and Equity Securities Subtotal Interest-Bearing Bank Balances Federal Funds Sold & Reverse Repos Debt Securities 1 Year or Less Trading Assets Total Earning Assets Non-Int Cash and Due From Dep Inst Other Real Estate Owned All Other Assets MEMORANDA: Short-Term Investments U.S. Treasury Securities U.S. Agency Securities (excl MBS) Municipal Securities Mortgage-Backed Securities Asset-Backed Securities Other Debt Securities Loans Held-for-Sale Loans Not Held-for-Sale RE Loans Secured by 1-4 Family Revolving Closed-End, Sec by First Liens Closed-End, Sec by Junior Liens Commercial Real Estate Loans Construction and Land Dev Multifamily Nonfarm Nonresidential RE Loans Secured by Farmland

mm/dd/yyyy BHC PEER 01 PCT ----------------50.97 38.74 79 16.72 11.72 79 1.87 5.67 26 0.04 0.10 61 0.38 0.20 73 2.02 3.39 35 71.16 62.05 80 8.70 16.36 17 0.52 0.22 82 80.38 80.34 34 0.12 0.65 52 0.96 2.39 47 4.24 1.95 83 0.35 1.20 61 86.06 88.22 25 3.66 2.37 88 0.10 0.05 82 10.28 9.29 62

mm/dd/yyyy BHC PEER 01 PCT ----------------51.87 39.86 82 17.73 11.89 81 1.74 5.36 31 0.09 0.11 73 0.41 0.21 76 2.10 3.16 39 73.11 62.64 79 7.62 13.87 18 0.42 0.26 75 81.16 77.53 40 0.09 0.55 49 0.69 2.68 40 4.10 3.12 75 0.14 1.15 52 86.18 88.09 30 4.13 2.38 89 0.06 0.06 59 9.69 9.34 56

mm/dd/yyyy BHC PEER 01 ------------49.68 37.12 16.49 11.37 1.91 5.62 0.06 0.11 0.43 0.20 2.01 3.45 69.72 60.09 9.27 17.30 0.52 0.24 79.50 79.60 0.05 0.69 1.49 2.18 4.14 1.65 0.24 1.51 85.42 87.92 3.99 2.74 0.09 0.04 10.59 9.23

mm/dd/yyyy BHC PEER 01 ------------52.05 36.78 14.36 10.79 2.74 5.97 0.00 0.16 0.61 0.20 2.27 3.31 71.03 59.70 8.21 18.70 0.98 0.31 80.23 80.29 0.00 0.79 1.88 2.13 6.16 1.54 0.93 1.50 89.20 88.42 2.71 2.24 0.09 0.05 8.09 9.23

6.12 0.09 3.31 1.93 2.19 0.00 3.69 0.56 73.52 11.82 2.95 8.08 0.79 40.45 17.22 1.05 22.18 0.30

7.79 0.20 3.04 1.11 9.65 0.22 0.58 1.21 62.58 16.63 3.84 10.74 1.72 21.19 7.64 1.41 11.29 0.24

54 51 66 72 8 25 94 54 85 30 47 38 30 86 89 57 89 69

5.33 0.11 3.62 2.01 2.67 0.00 4.53 0.72 71.23 12.69 2.76 9.01 0.92 37.99 16.06 1.20 20.73 0.29

5.81 0.55 3.32 0.89 11.00 0.24 0.78 0.94 61.48 18.01 4.43 11.78 1.47 18.42 6.12 1.27 10.30 0.22

59 46 61 77 11 25 92 64 83 32 37 40 37 92 95 64 89 67

4.89 0.09 3.57 1.87 2.33 0.00 3.86 0.54 73.35 12.10 2.88 8.37 0.85 39.50 17.23 1.07 21.20 0.27

8.04 0.32 3.46 1.07 9.67 0.22 0.60 1.13 61.94 16.64 3.86 10.76 1.67 20.92 7.45 1.55 11.02 0.23

52 52 62 72 10 25 92 50 84 31 46 40 34 86 89 59 86 66

5.68 0.10 3.43 2.14 3.18 0.00 4.55 0.60 69.91 14.10 2.64 10.63 0.83 35.28 14.21 1.11 19.96 0.30

5.73 0.46 3.19 0.89 11.62 0.25 0.74 1.16 59.35 17.72 4.51 11.62 1.38 17.20 5.51 1.21 9.86 0.21

8.04 0.12 3.14 2.34 2.27 0.00 6.50 0.63 71.27 17.07 3.51 13.09 0.47 34.58 11.05 1.26 22.27 0.40

5.43 0.58 3.56 0.83 12.02 0.32 0.82 0.97 59.03 18.10 4.65 11.74 1.16 15.68 4.30 1.33 9.46 0.21

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BHCPR User’s Guide • March 2007

Percent Composition of Assets

BHCPR page 7 details the percent­ age composition of a bank holding company’s assets. The top portion of this report page presents asset bal­ ances as a percentage of consolidated assets. Components of the real estate loan and investment securities port­ folios as percentages of consolidated assets are displayed in the memo­ randa section. tions (other than securities) of state and political subdivisions in the U.S., acceptances of other banks, all other loans, and lease finan­ cing receivables divided by total assets. Net Loans and Leases (Percent of Total Assets) Loans and leases net of unearned income, and the allowance for loan and lease losses divided by total assets. Securities over 1 Year (Percent of Total Assets) Debt securities with a remaining maturity of more than one year divided by total assets. Mutual Funds and Equity Securities (Percent of Total Assets) Investments in mutual funds and equity securities divided by total assets. Subtotal
(Percent of Total Assets)
The sum of net loans and lease financing receivables, debt securi­ ties with a remaining maturity over one year, and investments in mutual funds and equity securities divided by total assets. Interest-Bearing Bank Balances (Percent of Total Assets) Interest-bearing bank balances divided by total assets. Federal Funds Sold and Reverse Repos (Percent of Total Assets) Federal funds sold and securities purchased under agreements to resell divided by total assets. Debt Securities with Maturity of 1 Year or Less (Percent of Total Assets) Debt securities with a remaining maturity of one year or less divided by total assets. Trading Assets (Percent of Total Assets) Assets held in trading accounts divided by total assets. Total Earning Assets (Percent of Total Assets) The sum of interest bearing balances due from depository institutions, investment securities, federal funds sold and securities purchased under agreements to resell, loans and leases (net of unearned income, and the allowance for loan and lease losses), and trading assets divided by total assets. Non-Interest-Bearing Cash and Balances Due from Depository Institutions (Percent of Total Assets) The sum of non-interest-bearing bal­ ances due from depository institu­ tions and currency and coin divided by total assets. Other Real Estate Owned (Percent of Total Assets) Other real estate owned divided by total assets. All Other Assets (Percent of Total Assets) The sum of premises and fixed assets, investments in unconsolidated subsidiaries and associated compa­ nies, intangible assets, acceptances, and other assets divided by total assets.

Percent of Total Assets
Real Estate Loans (Percent of Total Assets) Loans secured by real estate, includ­ ing construction and land develop­ ment loans and loans secured by farmland, by one- to four-family and multifamily (five or more) residential properties, and by nonfarm nonresi­ dential properties, divided by total assets. Commercial and Industrial Loans (Percent of Total Assets) Loans for commercial and indus­ trial purposes to sole proprietorships, partnerships, corporations, and other business enterprises, which are secured (other than real estate) or unsecured, single-payment, or install­ ment, divided by total assets. Loans to Individuals (Percent of Total Assets) Loans to individuals for household, family, and other personal expendi­ tures divided by total assets. Loans to Depository Institutions (Percent of Total Assets) Loans to U.S. and foreign banks and other depository institutions divided by total assets. Agricultural Loans (Percent of Total Assets) Agricultural loans divided by total assets. Other Loans and Leases (Percent of Total Assets) Taxable and tax-exempt obliga­
BHCPR User’s Guide • March 2007

Memoranda
Short-Term Investments (Percent of Total Assets) The sum of interest-bearing bank balances, federal funds sold and securities purchased under agree­ ments to resell, debt securities with a remaining maturity of one year or less, divided by total assets. 3-29

U.S. Treasury Securities (Percent of Total Assets) The amount of U.S. Treasury securi­ ties divided by total assets. U.S. Agency Securities excluding Mortgage-Backed Securities (Percent of Total Assets) The amount of U.S. government agency and corporation obligations, excluding Mortgage-Backed secu­ rities divided by total assets. For Bank Holding Companies with less than $1 billion in assets, the BHCPR includes data for this item only for report dates after December 31, 2000. Municipal Securities (Percent of Total Assets) Obligations of state and political sub­ divisions in the United States divided by total assets. Mortgage-Backed Securities (Percent of Total Assets) The amount of pass-through and other mortgage-backed securities, including CMOs, REMICs, and stripped mortgage-backed securi­ ties, divided by total assets. For Bank Holding Companies with less than $1 billion in assets, the BHCPR includes data for this item only for report dates after December 31, 2000. Asset-Backed Securities (Percent of Total Assets) The amount of asset-backed securi­ ties, other than mortgage-backed securities, divided by total assets. The BHCPR includes data for this item only for report dates after December 31, 2000.

Other Debt Securities (Percent of Total Assets) The sum of all other debt securities divided by total assets. Loans Held-For-Sale Total loans held-for-sale divided by total assets. Loans Not Held-For-Sale Total loans and leases not held for sale, net of unearned income (sched­ ule HC, line item 4.b.), divided by total assets. Real Estate Loans Secured by 1-4 Family (Percent of Total Assets) Revolving and permanent loans secured by one- to four-family resi­ dential properties divided by total assets. Revolving
(Percent of Total Assets)
Revolving open-end lines of credit secured by one- to four-family resi­ dential properties divided by total assets. Closed-End, Secured by First Liens (Percent of Total Assets) Permanent loans secured by first liens on one- to four-family residential properties divided by total assets. Closed-End, Secured by Junior Liens (Percent of Total Assets) Permanent loans secured by junior (other than the first) liens on one- to four-family residential properties divided by total assets.

Commercial Real Estate Loans (Percent of Total Assets) Loans secured by real estate includ­ ing construction, land development and other land loans, and loans secured by multifamily residential properties and nonfarm nonresi­ dential properties divided by total assets. Construction and Land Development (Percent of Total Assets) Loans secured by real estate made to finance the construction of new structures, additions, alterations, or demolitions to make way for new structures divided by total assets. Multifamily
(Percent of Total Assets)
Loans secured by multifamily (five dwelling units or more) residential properties divided by total assets. Nonfarm Nonresidential (Percent of Total Assets) Real estate loans secured by business and industrial properties, hotels, motels, churches, hospitals, educa­ tional and charitable institutions, dormitories, clubs, lodges, associa­ tion buildings, “homes” for aged persons and orphans, golf courses, recreational facilities, and similar properties divided by total assets. Real Estate Loans Secured by Farmland (Percent of Total Assets) Loans secured by farmland and improvements thereon divided by total assets.

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BHCPR User’s Guide • March 2007