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

LOAN MIX AND ANALYSIS OF CONCENTRATIOS OF CREDIT

PAGE 7A

mm/dd/yyyy BHC PEER 01 PCT ----------------LOAN MIX, % OF GROSS LOANS & LEASES:
Real Estate Loans RE Loans Secured by 1-4 Family Revolving Closed-End Commercial Real Estate Loans Construction and Land Dev 1-4 Fam Other Multifamily Nonfarm Nonresidential Owner-Occupied Other RE Loans Secured by Farmland Loans to Dep Inst & Oth Bank Accept Commercial and Industrial Loans Loans to Individuals Credit Card Loans Agricultural Loans Other Loans and Leases 70.96 15.95 3.98 11.97 54.61 23.24 12.89 10.36 1.42 29.94 16.68 13.26 0.40 0.09 23.36 2.32 0.29 0.46 2.88 61.76 26.56 5.84 20.25 31.91 11.33 3.89 7.00 2.18 16.97 6.57 9.37 0.36 0.15 19.39 8.77 1.17 0.33 6.04 69 25 38 26 83 86 92 76 50 89 92 72 69 69 75 27 54 72 36

mm/dd/yyyy BHC PEER 01 PCT ----------------70.85 17.64 3.83 13.81 52.80 22.32 N/A N/A 1.66 28.81 N/A N/A 0.41 0.06 23.24 2.60 0.34 0.53 2.81 60.46 28.70 6.84 21.39 28.44 9.35 N/A N/A 2.03 15.81 N/A N/A 0.33 0.18 18.84 9.26 1.11 0.32 6.95 73 25 31 28 89 94 N/A N/A 62 85 N/A N/A 67 61 79 23 58 73 34

mm/dd/yyyy BHC PEER 01 PCT ----------------70.20 16.38 3.90 12.48 53.46 23.31 N/A N/A 1.44 28.70 N/A N/A 0.37 0.12 23.99 2.36 0.34 0.56 2.85 62.02 26.62 5.88 20.26 31.95 11.10 N/A N/A 2.45 16.63 N/A N/A 0.34 0.18 18.83 8.68 1.18 0.33 6.18 68 26 36 28 82 86 N/A N/A 52 88 N/A N/A 66 68 78 27 56 75 37

mm/dd/yyyy BHC PEER 01 ------------70.47 20.00 3.74 16.26 50.04 20.16 N/A N/A 1.57 28.31 N/A N/A 0.43 0.08 23.39 2.70 0.39 0.61 2.84 60.26 29.55 7.07 21.94 27.42 8.61 N/A N/A 2.00 15.76 N/A N/A 0.31 0.21 18.76 9.50 1.33 0.32 7.23

mm/dd/yyyy
BHC PEER 01
------------
72.40 23.74 4.88 18.86 48.10 15.37 N/A N/A 1.75 30.98 N/A N/A 0.55 0.00 19.97 3.81 0.54 0.85 3.16 60.42
28.88
7.36
20.82
26.07
7.02
N/A
N/A
2.28
15.87
N/A
N/A
0.31
0.39
17.76
10.26
1.48
0.32
6.29

LOAN & LEASE % OF TOTAL RISK BASED CAPITAL:
Real Estate Loans 468.75 RE Loans Secured by 1-4 Family 105.38 Revolving 26.30 Closed-End 79.08 Commercial Real Estate Loans 360.73 Construction and Land Dev 153.56 1-4 Fam 85.15 Other 68.41 Multifamily 9.37 Nonfarm Nonresidential 197.80 Owner Occupied 110.20 Other 87.60 RE Loans Secured by Farmland 2.64 Loans to Dep Inst & Oth Bank Accept 0.58 Commercial and Industrial Loans 154.33 Loans to Individuals 15.34 Credit Card Loans 1.95 Agricultural Loans 3.02 Other Loans and Leases 19.01

432.89 182.43 41.24 139.42 226.40 80.33 27.61 49.12 15.47 120.46 47.39 66.31 2.63 0.78 134.50 58.02 7.31 2.23 34.49

53 28 34 26 82 83 92 70 49 79 91 70 67 70 67 28 53 70 34

455.65 113.46 24.64 88.82 339.58 143.58 N/A N/A 10.70 185.29 N/A N/A 2.61 0.38 149.46 16.70 2.22 3.38 18.09

421.44 201.58 47.62 150.92 200.89 65.64 N/A N/A 14.61 111.35 N/A N/A 2.38 0.99 128.78 61.91 7.47 2.17 38.16

56 25 31 27 86 90 N/A N/A 59 83 N/A N/A 63 62 69 24 54 74 31

460.31 107.37 25.54 81.83 350.51 152.87 N/A N/A 9.47 188.16 N/A N/A 2.43 0.77 157.29 15.45 2.20 3.66 18.66

426.66 181.72 41.49 138.77 221.14 78.46 N/A N/A 16.35 117.24 N/A N/A 2.40 1.02 127.95 57.12 7.75 2.17 35.32

55 33 32 27 83 82 N/A N/A 50 79 N/A N/A 64 70 72 27 55 77 32

461.59 131.00 24.49 106.51 327.76 132.05 N/A N/A 10.28 185.43 N/A N/A 2.83 0.52 153.21 17.70 2.59 3.98 18.63

413.27 205.09 48.79 153.79 190.25 58.42 N/A N/A 14.18 109.09 N/A N/A 2.25 1.19 125.77 62.76 8.70 2.18 38.89

426.13 139.75 28.73 111.02 283.11 90.44 N/A N/A 10.32 182.35 N/A N/A 3.26 0.02 117.54 22.44 3.18 5.02 18.57

401.37
199.66
49.68
144.96
170.78
45.47
N/A
N/A
15.19
103.85
N/A
N/A
2.16
1.61
116.15
65.57
9.07
2.07
36.39

BHCPR User’s Guide • March 2007

3-31

Loan Mix and Analysis of Concentrations of Credit

BHCPR page 7A details the percent­ age composition of a bank holding company's loan portfolio. The top portion, Loan Mix, presents vari­ ous loan balances as a percentage of gross loans and leases (total loans and leases, net of unearned income). The last section, Loans and Leases, Percent of Total Risk Based Capital, presents the same loan balances as above, but as a percentage of total risk based capital. Commercial Real Estate Loans (Percent of Gross Loans and Leases) Loans secured by real estate including construction and land development loans and loans secured by multifam­ ily residential properties and nonfarm nonresidential properties divided by total loans and leases, net of unearned income. Construction and Land Development (Percent of Gross Loans and Leases) 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 loans and leases, net of unearned income. 1–4 Family
(Percent of Gross Loans & Leases)
Construction, land development, and other land loans in domestic offices for 1-4 family residential construction divided by total loans and leases, net of unearned income. Other
(Percent of Gross Loans & Leases)
Construction, land development, and other land loans in domestic offices for other construction loans and all land development and other land loans divided by total loans and leases, net of unearned income. Multifamily
(Percent of Gross Loans and Leases)
Loans secured by multifamily (five dwelling units or more) residential properties divided by total loans and leases, net of unearned income. Nonfarm Nonresidential
(Percent of Gross Loans and Leases)
Real estate loans secured by business and industrial properties, hotels, motels, churches, hospitals, educa­ tional and charitable institutions, dormitories, clubs, lodges, asso­ ciation buildings, “homes” for aged persons and orphans, golf courses, recreational facilities, and similar properties divided by total loans and leases, net of unearned income. Owner-Occupied
(Percent of Gross Loans & Leases)
Nonfarm nonresidential property loans secured by owner-occupied properties divided by total loans and leases, net of unearned income. Other
(Percent of Gross Loans & Leases)
Nonfarm nonresidential property loans secured by other nonfarm nonresidential properties divided by total loans and leases, net of unearned income. Real Estate Loans Secured by Farmland (Percent of Gross Loans and Leases) Loans secured by farmland and improvements thereon divided by total loans and leases, net of unearned income. Loans to Depository Institutions (Percent of Gross Loans and Leases) Loans to all financial institutions (U.S. and non-U.S. addressees) divided by total loans and leases, net of unearned income. Commercial and Industrial Loans (Percent of Gross Loans and Leases) 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 installment, divided by total loans and leases, net of unearned income. Loans to Individuals
(Percent of Gross Loans and Leases)
Loans to individuals for household, family, and other personal expen­ ditures divided by total loans and leases, net of unearned income.
BHCPR User’s Guide • March 2007

Loan Mix, Percent of Gross Loans and Leases
Real Estate Loans
(Percent of Gross Loans and Leases)
Loans secured by real estate including construction and land development loans and loans secured by farmland, by one- to four-family and multifam­ ily (five or more) residential proper­ ties, and by nonfarm nonresidential properties divided by total loans and leases, net of unearned income. Real Estate Loans Secured by 1-4 Family (Percent of Gross Loans and Leases) Revolving and permanent loans secured by one- to four-family resi­ dential properties divided by total loans and leases, net of unearned income. Revolving
(Percent of Gross Loans and Leases)
Revolving open-end lines of credit secured by one- to four-family resi­ dential properties divided by total loans and leases, net of unearned income. Closed-End
(Percent of Gross Loans and Leases)
Permanent loans secured by liens (first and junior) on one- to fourfamily residential properties divided by total loans and leases, net of unearned income. 3-32

Credit Card Loans
(Percent of Gross Loans and Leases)
Loans to individuals arising from bank credit cards divided by total loans and leases, net of unearned income. Prior to March 31, 2001, this item also included loans related to check credit plans. Agricultural Loans
(Percent of Gross Loans and Leases)
Loans to finance agricultural pro­ duction and other loans to farmers divided by total loans and leases, net of unearned income. Other Loans and Leases
(Percent of Gross Loans and Leases)
The sum of taxable and tax-exempt obligations (other than securities) of state and political subdivisions in the U.S., acceptances of other banks, loans to foreign governments and official institutions, and all other loans and lease financing receivables divided by total loans and leases, net of unearned income.

secured by one- to four-family resi­ dential properties divided by total risk based capital. Closed-End
(Percent of Total Risk Based Capital)
Permanent loans secured by liens (first and junior) on one- to fourfamily residential properties divided by total risk based capital. Commercial Real Estate Loans (Percent of Total Risk Based Capital) Loans secured by real estate includ­ ing construction and land develop­ ment loans and loans secured by multifamily residential properties and nonfarm nonresidential prop­ erties divided by total risk based capital. Construction and Land Development (Percent of Total Risk Based Capital) 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 risk based capital. 1–4 Family
(Percent of Total Risk Based Capital)
Construction, land development, and other land loans in domestic offices for 1–4 family residential con­ struction divided by total risk based capital. Other
(Percent of Total Risk Based Capital)
Construction, land development, and other land loans in domestic offices for other construction loans and all land development and other land loans divided by total risk based capital. Multifamily
(Percent of Total Risk Based Capital)
Loans secured by multifamily (five dwelling units or more) residential properties divided by total risk based capital.

Nonfarm Nonresidential
(Percent of Total Risk Based Capital)
Real estate loans secured by business and industrial properties, hotels, motels, churches, hospitals, educa­ tional and charitable institutions, dormitories, clubs, lodges, asso­ ciation buildings, “homes” for aged persons and orphans, golf courses, recreational facilities, and similar properties divided by total risk based capital. Owner-Occupied
(Percent of Total Risk Based Capital)
Nonfarm nonresidential property loans secured by owner-occupied properties divided by total risk based capital. Other
(Percent of Total Risk Based Capital)
Nonfarm nonresidential property loans secured by other nonfarm non­ residential properties divided by total risk based capital. Real Estate Loans Secured by Farmland (Percent of Total Risk Based Capital) Loans secured by farmland and improvements thereon divided by total risk based capital. Loans to Depository Institutions (Percent of Total Risk Based Capital) Loans to all financial institutions (U.S. and non-U.S. addresses) divided by total risk based capital. Commercial and Industrial Loans (Percent of Total Risk Based Capital) 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 installment, divided by total risk based capital. Loans to Individuals
(Percent of Total Risk Based Capital)
Loans to individuals for household, 3-33

Loans & Leases, Percent of Total Risk Based Capital
Real Estate Loans
(Percent of Total Risk Based Capital)
Loans secured by real estate including construction and land development loans and loans secured by farmland, by one- to four-family and multifam­ ily (five or more) residential proper­ ties, and by nonfarm nonresidential properties divided by total risk based capital. Real Estate Loans Secured by 1–4 Family (Percent of Total Risk Based Capital) Revolving and permanent loans secured by one- to four-family resi­ dential properties divided by total risk based capital. Revolving
(Percent of Total Risk Based Capital)
Revolving open-end lines of credit
BHCPR User’s Guide • March 2007

family, and other personal expen­ ditures divided by total risk based capital. Credit Card Loans
(Percent of Total Risk Based Capital)
Loans to individuals arising from bank credit cards divided by total risk based capital. Prior to March 31, 2001, this item also included loans related to check credit plans. Agricultural Loans
(Percent of Total Risk Based Capital)
Loans to finance agricultural pro­ duction and other loans to farmers divided by total risk based capital Other Loans and Leases
(Percent of Total Risk Based Capital)
The sum of taxable and tax-exempt obligations (other than securities) of state and political subdivisions in the U.S., acceptances of other banks, loans to foreign governments and official institutions, and all other loans, and lease financing receivables divided by total risk based capital.

3-34

BHCPR User’s Guide • March 2007