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FDIC Certificate # 11063 FRB District/ID_RSSD 5 / 491224 FIRST-CITIZENS BANK & TRUST COMPANY ; RALEIGH , NC Balance Sheet $
OCC Charter # 0 County: WAKE Balance Sheet $--Page 4 5/6/2018 1:56:59 PM
Public Report
Percent Change
12/31/2010 6/30/2010 12/31/2009 6/30/2009 12/31/2008 1 Quarter 1 Year
Assets:
Real Estate Loans 8,519,823 8,773,673 7,586,856 6,395,753 6,229,977 -1.84 12.30
Commercial Loans 1,525,265 1,666,336 1,524,792 1,470,126 1,503,785 -8.15 0.03
Individual Loans 659,172 758,981 869,074 989,601 1,150,697 5.43 -24.15
Agricultural Loans 135,230 150,539 162,075 170,205 170,930 -9.46 -16.56
Other Loans & Leases 457,883 474,949 521,880 444,968 442,030 -3.23 -12.26
LN&LS Allowance 184,640 146,294 128,107 123,857 120,234 5.29 44.13
Unearned Income 0 0 0 0 0 N/A N/A
Net Loans & Leases 11,112,733 11,678,184 10,536,570 9,346,796 9,377,185 -2.62 5.47
U.S. Treasury & Agency Securities 3,802,953 3,037,992 2,269,777 3,039,844 2,861,488 23.84 67.55
Municipal Securities 706 867 6,410 1,218 4,164 -0.98 -88.99
Foreign Debt Securities 0 0 0 0 0 N/A N/A
All Other Securities 485,758 488,651 487,250 461,909 5,429 -0.70 -0.31
Interest-Bearing Bank Balances 154,868 522,916 451,403 87,694 41,050 -76.68 -65.69
Federal Funds Sold & Resales 110,000 110,000 120,178 136,400 130,000 0.00 -8.47
Trading Account Assets 0 0 0 0 0 N/A N/A
Total Investments 4,554,285 4,160,426 3,335,018 3,727,065 3,042,131 5.06 36.56
Total Earning Assets 15,667,018 15,838,610 13,871,588 13,073,861 12,419,316 -0.51 12.94

Nonint Cash & Due From Banks 449,642 565,671 624,111 627,316 568,012 -26.25 -27.95
Premises, Fix Assts, Cap Leases 611,820 610,428 597,927 588,541 578,165 0.22 2.32
Other Real Estate Owned 136,432 113,960 124,520 8,938 5,841 15.22 9.57
Dir & Indir Inv RE Ventures 0 0 0 0 0 N/A N/A
Inv in Unconsolidated Subs 0 0 0 0 0 N/A N/A
Acceptances & Oth Assets 1,038,482 1,028,525 580,684 304,400 291,506 1.54 78.84
Total Assets 17,903,394 18,157,194 15,798,830 14,603,056 13,862,840 -1.13 13.32
Average Assets During Quarter 18,193,523 18,358,229 15,703,385 14,553,062 13,830,396 -0.21 15.86

Liabilities:
Demand Deposits 1,387,728 1,550,120 1,339,498 1,152,789 1,119,504 -1.65 3.60
All Now & ATS Accounts 1,590,940 1,463,533 1,463,169 1,208,588 1,333,577 7.04 8.73
Money Market Deposit Accounts 6,724,686 6,082,212 5,333,650 4,942,688 4,406,607 2.91 26.08
Other savings Deposits 756,621 721,915 629,883 574,618 526,413 3.15 20.12
Time Deps At Or Below Insurance
4,146,505 5,064,532 2,795,143 2,515,766 2,542,092 -7.18 48.35
Limit
Less: Fully Insured Brokered Deposits 38,120 113,297 10,181 0 13,016 73.27 274.42
Core Deposits 14,568,360 14,769,015 11,551,162 10,394,449 9,915,177 -0.29 26.12
Fully Insured Brokered Deposits 38,120 113,297 10,181 0 13,016 73.27 274.42
Time Deps Above Insurance Limit 918,701 755,428 1,857,585 1,944,300 1,840,215 -6.77 -50.54
Deposits in Foreign Offices N/A N/A N/A N/A N/A N/A N/A
Total Deposits 15,525,181 15,637,740 13,418,928 12,338,749 11,768,409 -0.60 15.70
Federal Funds Purch & Resale 363,844 431,134 488,917 552,802 378,811 -18.45 -25.58
Fed Home Loan Bor Mat < 1 Year 32,000 25,000 10,000 0 0 -43.86 220.00
Fed Home Loan Bor Mat > 1 Year 100,000 190,000 218,400 100,000 0 0.00 -54.21
Oth Borrowing Mat < 1 Year 0 0 14,295 20,001 10,026 -100.00 -100.00
Oth Borrowing Mat > 1 Year 123,727 103,384 18,531 6,879 104,123 2.72 567.68
Acceptances & Other Liabilities 97,182 135,258 119,623 182,473 190,547 7.18 -18.76
Total Liabilities (Incl Mortg) 16,241,934 16,522,516 14,288,694 13,200,904 12,451,916 -1.28 13.67
Subordinated Notes & Debentures 125,000 125,000 125,000 125,000 125,000 0.00 0.00
Total Bank Capital & Min Int 1,536,461 1,509,678 1,385,136 1,277,152 1,285,924 0.38 10.92
Total Liabilities & Capital 17,903,395 18,157,194 15,798,830 14,603,056 13,862,840 -1.13 13.32

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Memoranda:
Officers, Shareholder Loans (#) 5 6 6 5 8
Officers, Shareholder Loans ($) 43,453 45,234 46,829 44,922 48,769 -16.50 -7.21
Held-to-Maturity Securities 118 279 289 305 1,753 -4.07 -59.17
Available-for-Sale Securities 4,289,299 3,527,231 2,763,148 3,502,666 2,869,328 20.47 55.23
All Brokered Deposits 38,120 113,297 26,810 0 14,707 73.27 42.19
LN&LS in Foreign Offices N/A N/A N/A N/A N/A N/A N/A
Loans Held for Sale 78,948 80,327 56,387 102,976 56,916 12.56 40.01
Loans not Held for Sale 11,218,425 11,744,151 10,608,290 9,367,677 9,440,503 -2.60 5.75

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FDIC Certificate # 27574 FRB District/ID_RSSD 6 / 1402610 GEORGIA BANK & TRUST COMPANY OF AUGUSTA ; AUGUSTA , GA Balance Sheet %
OCC Charter # 0 County: RICHMOND Balance Sheet Percentage Composition--Page 6 5/29/2018 6:23:55 PM
Public Report
12/31/2010 6/30/2010 12/31/2009 6/30/2009 12/31/2008
Percent of Average Assets BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT BANK PG 4 PCT
Loans Held For Sale 1.67 0.34 91 1.77 0.26 94 1.58 0.29 92 1.62 0.32 91 1.40 0.25 92
Loans Not Held For Sale 56.03 65.84 17 58.60 66.72 18 64.03 70.37 22 65.26 72.15 23 69.81 73.41 33
Less: LN&LS Allowance 1.59 1.35 71 1.56 1.37 69 1.15 1.25 50 1.04 1.21 44 1.00 1.01 53
Net Loans & Leases 56.11 65.21 17 58.82 65.86 21 64.45 69.74 28 65.84 71.58 26 70.21 72.99 34

Interest-Bearing Bank Balances 5.82 4.98 62 6.65 4.83 70 2.69 2.67 58 0.26 1.81 32 0.04 0.44 32
Federal Funds Sold & Resales 0.31 0.42 66 0.54 0.42 72 1.35 0.72 75 1.89 0.74 83 0.90 0.92 60
Trading Account Assets 0.00 0.00 88 0.00 0.00 90 0.00 0.01 89 0.00 0.00 91 0.00 0.01 90
Held-to-Maturity Securities 0.02 0.83 55 0.03 0.80 57 0.04 0.91 55 0.05 0.90 56 0.08 1.01 56
Available-for-Sale Securities 30.90 17.57 86 26.88 16.94 83 22.58 15.41 74 22.16 14.60 76 21.16 14.15 77
Marketable Equity Sec at FV N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A

Total Earning Assets 93.17 91.14 77 92.91 91.08 73 91.12 91.38 42 90.20 91.44 29 92.39 91.31 64

Nonint Cash & Due From Banks 0.68 1.56 8 0.68 1.59 9 2.58 1.80 83 3.84 1.85 94 2.00 2.18 45
Premises, Fix Assts & Cap Leases 1.80 1.65 56 1.89 1.66 60 2.06 1.71 62 2.10 1.70 64 2.28 1.71 70
Other Real Estate Owned 0.46 0.75 46 0.49 0.68 49 0.76 0.49 70 0.67 0.43 74 0.11 0.23 40
Dir & Indir Inv RE Ventures 0.00 0.00 88 0.00 0.00 90 0.00 0.00 87 0.00 0.00 88 0.00 0.01 85
Inv in Unconsolidated Subs 0.00 0.01 81 0.00 0.01 81 0.00 0.00 84 0.00 0.00 86 0.00 0.00 89
Acceptances & Other Assets 3.89 4.44 43 4.03 4.43 44 3.48 4.17 37 3.19 4.13 30 3.21 4.21 33
Total Non-Earning Assets 6.83 8.86 22 7.09 8.88 26 8.88 8.62 57 9.80 8.56 70 7.61 8.69 35
Total Assets 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99 100.00 100.00 99

Standby Letters of Credit 0.31 0.70 30 0.32 0.72 30 0.31 0.79 23 0.33 0.80 25 0.42 0.87 29

Liabilities
Demand Deposits 3.60 5.72 27 3.65 5.48 30 3.80 5.22 35 3.86 4.97 39 3.82 5.03 36
All NOW & ATS Accounts 5.66 2.96 85 5.11 2.89 83 4.58 2.70 81 4.52 2.56 81 4.67 2.32 85
Money Market Deposit Accounts 20.00 23.41 40 17.97 22.93 39 15.80 21.31 36 14.69 19.98 37 17.03 20.51 44
Other Savings Deposits 26.08 13.24 82 25.96 12.80 84 21.90 11.32 81 20.00 10.86 79 22.63 10.12 86
Time Deps At or Below Insurance Limit 23.39 25.08 46 24.43 24.08 54 19.37 19.40 51 17.89 20.80 37 15.30 20.19 31
Less: Fully Insured Brokered Deposits 14.40 3.63 91 15.99 3.77 91 18.33 4.87 89 18.88 5.63 89 11.66 5.25 80
Core Deposits 64.32 69.22 29 61.14 67.04 25 47.12 57.25 18 42.08 55.56 15 51.79 54.74 35
Fully Insured Brokered Deposits 14.40 3.63 91 15.99 3.77 91 18.33 4.87 89 18.88 5.63 89 11.66 5.25 80
Time Deps Above Insurance Limit 8.13 6.84 65 9.17 8.34 60 17.64 15.15 68 20.45 15.19 79 16.70 14.49 67
Deposits in Foreign Offices N/A 7.63 N/A N/A 10.91 N/A N/A 8.63 N/A N/A 6.54 N/A N/A 2.41 N/A
Total Deposits 86.85 81.56 83 86.30 81.10 80 83.08 79.67 67 81.41 78.78 62 80.15 77.02 61

Federal Funds Purch & Repos 0.10 2.28 22 0.14 2.30 25 2.51 2.62 56 4.09 2.64 70 5.27 3.34 73
Total Fed Home Loan Borrowings 4.64 3.99 58 5.08 4.39 57 5.80 5.34 55 6.03 5.92 54 5.88 6.83 43
Total Other Borrowings 0.04 0.17 58 0.05 0.16 61 0.06 0.34 57 0.06 0.38 59 0.30 0.26 77
Memo: Sht Ter N Core Funding 19.69 17.71 62 21.19 18.37 66 24.65 21.56 67 25.83 22.78 66 20.77 23.11 43

Acceptances & Other Liabilities 0.88 0.76 69 0.84 0.75 68 0.78 0.82 56 0.75 0.83 50 0.81 0.85 54
Total Liabilities (Incl Mortg) 92.50 90.13 89 92.41 90.23 85 92.23 90.49 83 92.35 90.52 85 92.41 90.26 88

Subordinated Notes & Debentures 0.00 0.03 87 0.00 0.03 86 0.00 0.04 85 0.00 0.04 85 0.00 0.04 84
Total Bank Capital & Min Int 7.50 9.78 11 7.59 9.63 16 7.77 9.39 18 7.65 9.38 17 7.59 9.63 13
Total Liabilities & Capital 100.00 100.00 93 100.00 100.00 95 100.00 100.00 96 100.00 100.00 97 100.00 100.00 94

Memo: All Brokered Deposits 14.40 4.12 90 15.99 4.48 90 21.33 6.09 90 23.90 6.70 90 11.66 5.83 78
Insured Brokered Deposits 14.69 3.83 91 16.50 4.15 90 18.33 4.87 89 18.88 5.63 89 11.66 5.25 80

Loans HFS as a % Loans 2.90 0.51 93 2.94 0.39 94 2.41 0.42 92 2.43 0.45 92 1.96 0.34 92

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FDIC Certificate # 11063 FRB District/ID_RSSD 5 / 491224 FIRST-CITIZENS BANK & TRUST COMPANY ; RALEIGH , NC Income Statement $
OCC Charter # 0 County: WAKE Income Statement $--Page 2 5/6/2018 1:53:35 PM
Public Report
Percent Change
12/31/2010 6/30/2010 12/31/2009 6/30/2009 12/31/2008 1 Year
Interest and Fees on Loans 770,820 318,118 512,943 240,838 530,705 50.27
Income From Lease Financing 18,193 9,350 19,879 10,022 20,318 -8.48
Tax-Exempt 650 359 715 380 496 -9.09
Estimated Tax Benefit 212 175 328 174 178 -35.38
Income on Loans & Leases (TE) 789,225 327,643 533,150 251,034 551,201 48.03

US Treas & Agency (Excl MBS) 35,828 18,964 60,811 35,929 104,965 -41.08
Mortgage Backed Securities 2,468 1,218 495 208 333 398.59
Estimated Tax Benefit 16 17 116 65 65 -85.90
All Other Securities 8,771 4,368 7,433 2,278 963 18.00
Tax-Exempt Securities Income 50 35 252 143 182 -80.16
Investment Interest Income (TE) 47,083 24,567 68,855 38,480 106,326 -31.62

Interest on Due From Banks 1,886 872 432 235 4,639 336.57
Int on Fed Funds Sold & Resales 234 126 290 178 4,353 -19.31
Trading Account Income 0 0 0 0 0 N/A
Other Interest Income 151 23 0 0 887 N/A

Total Interest Income (TE) 838,579 353,231 602,727 289,927 667,406 39.13

Int on Deposits in Foreign Off N/A N/A N/A N/A N/A N/A
Interest on Domestic Deposits 118,495 62,859 141,634 78,169 198,850 -16.34
Int on Fed Funds Purch & Repos 872 462 836 396 14,925 4.31
Int Trad Liab & Oth Borrowings 6,910 5,648 4,599 2,161 1,539 50.25
Int on Sub Notes & Debentures 6,406 1,068 6,406 3,203 6,406 0.00
Other Interest Expense N/A N/A N/A N/A N/A N/A

Total Interest Expense 132,683 70,037 153,475 83,929 221,720 -13.55

Net Interest Income (TE) 705,896 283,194 449,252 205,998 445,686 57.13
Non-interest Income 385,745 289,384 395,939 142,123 300,919 -2.57
Adjusted Operating Income (TE) 1,091,641 572,578 845,191 348,121 746,605 29.16

Non-Interest Expense 639,839 307,319 566,829 276,040 530,595 12.88
Provision: Loan & Lease Losses 124,983 40,011 42,875 20,341 29,131 191.51
Pretax Operating Income (TE) 326,819 225,248 235,487 51,740 186,879 38.78

Realized G/L Hld-to-Maturity Sec 0 0 0 0 0 N/A
Realized G/L Avail-for Sale Sec 1,163 1,131 104 0 8,042 1018.27
Unrealized G/L Equity Securities N/A N/A N/A N/A N/A N/A
Pretax Net Operating Inc (TE) 327,982 226,379 235,591 51,740 194,921 39.22

Applicable Income Taxes 120,017 84,794 85,065 16,878 67,587 41.09
Current Tax Equiv Adjustment 228 192 444 239 243 -48.54
Other Tax Equiv Adjustments 0 0 0 0 0 N/A
Applicable Income Taxes (TE) 120,245 84,986 85,509 17,117 67,830 40.62

Net Operating Income 207,737 141,393 150,082 34,623 127,091 38.42

Net Discontinued / Extraordinary
0 0 0 0 0 N/A
Items

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Net Inc Noncontrolling Minority
0 0 0 0 N/A N/A
Interests
Net Income 207,737 141,393 150,082 34,623 127,091 38.42

Cash Dividends Declared 50,424 25,212 60,507 25,212 54,788 -16.66
Retained Earnings 157,313 116,181 89,575 9,411 72,303 75.62
Memo: Net International Income N/A N/A N/A N/A N/A N/A
Memo: Interest on Time Dep Over
40,096 20,100 53,095 30,470 66,940 -24.48
$100M
Memo: Interest on Time Dep Over
N/A N/A N/A N/A N/A N/A
$250M

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FDIC Certificate # 11063 FRB District/ID_RSSD 5 / 491224 FIRST-CITIZENS BANK & TRUST COMPANY ; RALEIGH , NC Summary Ratios
OCC Charter # 0 County: WAKE Summary Ratios--Page 1 5/6/2018 1:52:02 PM
Public Report
12/31/2010 6/30/2010 12/31/2009 6/30/2009 12/31/2008
Earnings and Profitability BANK PG 2 PCT BANK PG 2 PCT BANK PG 2 PCT BANK PG 2 PCT BANK PG 2 PCT
Percent of Average Assets:
Interest Income (TE) 4.65 3.97 81 3.96 3.90 36 4.05 4.18 35 4.05 4.25 32 4.91 5.07 29
- Interest Expense 0.74 0.72 52 0.79 0.77 54 1.03 1.14 47 1.17 1.28 50 1.63 1.94 29
Net Interest Income (TE) 3.92 3.23 81 3.18 3.11 49 3.02 2.97 47 2.87 2.87 49 3.28 3.07 58
+ Noninterest Income 2.14 1.23 81 3.25 1.50 87 2.66 1.39 84 1.98 1.34 78 2.21 1.41 75
- Noninterest Expense 3.55 2.67 81 3.45 2.83 77 3.81 2.80 82 3.85 2.73 85 3.90 2.93 79
- Provision: Loan & Lease Losses 0.69 1.02 40 0.45 1.21 26 0.29 2.07 8 0.28 1.92 11 0.21 1.21 13
Pretax Operating Income (TE) 1.81 0.86 78 2.53 0.71 92 1.58 -0.51 77 0.72 -0.41 55 1.37 0.31 63
+ Realized Gains/Losses Sec 0.01 0.03 54 0.01 0.04 66 0.00 0.04 47 0.00 0.04 49 0.06 -0.11 82
+ Unrealized Gains / Losses Equity
N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A
Sec
Pretax Net Operating Income (TE) 1.82 0.90 77 2.54 0.75 92 1.58 -0.53 82 0.72 -0.36 55 1.43 0.07 77
Net Operating Income 1.15 0.61 72 1.59 0.49 89 1.01 -0.58 82 0.48 -0.30 55 0.93 -0.07 74
Adjusted Net Operating Income 1.45 0.54 85 1.76 0.51 91 1.06 -0.04 77 0.53 0.35 39 0.99 0.43 51
Net Inc Attrib to Min Ints 0.00 0.00 68 0.00 0.00 70 0.00 0.00 66 0.00 0.00 68 N/A 0.00 N/A
Net Income Adjusted Sub S 1.15 0.61 72 1.59 0.48 89 1.01 -0.58 82 0.48 -0.30 55 0.93 -0.07 74
Net Income 1.15 0.61 72 1.59 0.48 89 1.01 -0.58 82 0.48 -0.30 55 0.93 -0.07 74

Margin Analysis:
Avg Earning Assets to Avg Assets 89.78 92.02 32 89.69 91.92 31 90.78 92.72 28 91.21 92.39 36 92.91 91.85 65
Avg Int-Bearing Funds to Avg Assets 82.97 80.76 57 82.47 80.69 52 84.33 82.59 47 83.49 82.56 49 81.52 82.44 37
Int Inc (TE) to Avg Earn Assets 5.18 4.31 78 4.42 4.25 49 4.46 4.54 36 4.44 4.62 34 5.28 5.55 25
Int Expense to Avg Earn Assets 0.82 0.79 55 0.88 0.85 56 1.14 1.23 50 1.28 1.38 52 1.76 2.11 27
Net Int Inc-TE to Avg Earn Assets 4.36 3.52 85 3.54 3.40 52 3.32 3.22 49 3.15 3.13 49 3.53 3.38 55

Loan & Lease Analysis:
Net Loss to Average Total LN&LS 0.60 1.58 22 0.42 1.75 14 0.34 2.11 10 0.34 1.76 18 0.24 1.03 15
Earnings Coverage of Net Losses
6.30 3.17 80 10.60 2.92 92 7.94 3.05 87 4.30 3.21 74 9.71 4.63 80
(X)
LN&LS Allowance to LN&LS Not
1.65 2.28 36 1.25 2.55 19 1.21 2.68 12 1.32 2.38 16 1.27 1.83 20
HFS
LN&LS Allowance to Net Losses (X) 2.58 1.79 78 2.93 1.72 88 3.66 1.68 92 3.70 1.81 86 5.41 2.55 91
LN&LS Allowance to Total LN&LS 1.63 2.22 36 1.24 2.46 21 1.20 2.57 12 1.31 2.25 19 1.27 1.79 20
Total LN&LS-90+ Days Past Due 3.28 0.45 93 2.69 0.55 92 0.09 0.36 40 0.25 0.26 55 0.15 0.23 44
-Nonaccrual 2.05 2.60 42 2.17 3.22 35 0.71 4.00 8 0.26 3.24 4 0.18 2.07 8
-Total 5.33 3.24 88 4.86 3.88 64 0.81 4.49 7 0.51 3.58 6 0.32 2.38 6

Liquidity
Net Non Core Fund Dep New $250M -0.92 14.85 18 -3.11 17.25 17 6.06 28.94 14 10.24 35.87 16 9.30 34.12 12
Net Loans & Leases to Assets 62.07 60.70 44 64.32 60.05 49 66.69 63.98 49 64.01 65.48 36 67.64 64.90 44

Capitalization
Tier One Leverage Capital 8.4000 9.18 36 8.0100 9.01 29 8.6300 8.64 59 8.7500 8.32 67 9.1700 8.26 77
Cash Dividends to Net Income 24.27 11.53 77 17.83 6.53 82 40.32 18.19 73 72.82 13.86 86 43.11 24.29 60
Retained Earnings to Avg Total
10.56 3.89 86 15.90 3.49 91 6.81 -7.58 84 1.47 -5.09 59 5.50 -5.11 81
Equity
Rest+Nonac+RE Acq to
28.43 19.12 72 25.67 22.02 63 16.15 27.49 36 2.38 22.55 8 1.60 15.18 12
Eqcap+ALLL

Growth Rates
Total Assets 13.32 7.76 72 24.34 6.84 78 13.97 3.63 77 7.85 8.09 63 1.92 10.25 28
Tier One Capital 12.81 12.62 57 15.10 13.17 55 6.89 12.65 50 2.65 14.54 28 6.26 14.81 45

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Net Loans & Leases 5.47 5.52 71 24.94 -0.01 87 12.36 -2.98 83 3.78 1.22 63 6.83 8.40 61
Short Term Investments -9.44 177.13 40 43.32 288.42 39 43.56 153.15 53 -2.23 366.43 38 -11.70 125.23 37
Short Term Non Core Funding 10.28 -9.73 81 15.11 -18.41 89 12.67 -20.94 84 -5.11 -12.44 59 -25.09 34.16 8

Average Total Assets 18,017,674 17,822,696 14,889,280 14,331,158 13,594,808
Total Equity Capital 1,536,461 1,509,678 1,385,136 1,277,152 1,285,924
Net Income 207,737 141,393 150,082 34,623 127,091

Number of banks in Peer Group 60 56 56 60 57

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FDIC Certificate # 11063 FRB District/ID_RSSD 5 / 491224 FIRST-CITIZENS BANK & TRUST COMPANY ; RALEIGH , NC Allowance & Loan Mix-b
OCC Charter # 0 County: WAKE Analysis of Credit Allowance and Loan Mix--Page 7A 5/6/2018 2:02:14 PM
Public Report
12/31/2010 6/30/2010 12/31/2009 6/30/2009 12/31/2008
Loan Mix, % Average Gross LN&LS BANK PG 2 PCT BANK PG 2 PCT BANK PG 2 PCT BANK PG 2 PCT BANK PG 2 PCT
Real Estate Loans 73.95 62.11 68 73.15 59.31 71 68.56 62.56 56 66.69 60.60 52 64.47 58.47 51
Construction & Development 8.85 5.70 70 9.33 6.86 64 6.63 8.40 38 5.62 8.95 32 5.83 10.88 32
1-4 Family Construction 2.22 1.13 80 2.33 1.39 75 1.51 2.16 45 0.91 2.24 31 0.99 3.09 24
Other Const & Land
6.63 4.40 70 7.00 5.35 63 5.12 6.07 42 4.70 6.45 37 4.84 7.46 37
Development
Secured by Farmland 0.85 0.46 75 0.87 0.47 77 1.06 0.45 78 1.13 0.40 80 1.19 0.37 86
1-4 Family Residential 26.40 27.19 52 26.30 25.47 56 27.72 26.49 63 28.17 24.15 67 25.93 23.10 60
Home Equity Loans 17.67 6.15 95 17.32 5.81 92 18.80 5.26 96 19.13 4.98 96 16.49 4.80 96
1-4 Family 1st Lien Loans 7.69 18.57 26 7.71 16.83 26 8.06 18.15 22 8.41 15.85 26 8.73 15.42 25
1-4 Family Jr Lien Loans 1.04 1.36 47 1.27 1.52 54 0.87 1.72 38 0.63 1.61 36 0.71 2.08 31
Multifamily 2.12 2.45 45 1.95 2.33 45 0.55 2.21 24 0.45 2.03 24 0.40 1.80 22
Non-Farm Non-Residential 35.73 18.37 88 34.70 18.48 87 32.60 18.58 85 31.32 18.94 86 31.12 18.01 89
Owner Occupied Non-Farm Non-
25.56 7.15 96 25.13 7.60 96 26.13 7.51 94 25.87 7.35 95 25.63 7.23 94
Residential
Other Non-Farm Non-Residential 10.17 10.62 49 9.57 10.39 45 6.47 10.07 31 5.45 9.49 24 5.49 9.47 25
RE Loans in Foreign Offices N/A 0.63 N/A N/A 0.61 N/A N/A 0.61 N/A N/A 0.47 N/A N/A 0.49 N/A

Financial Institution Loans 0.00 0.08 47 0.00 0.11 50 0.00 0.17 50 0.00 0.19 49 0.00 0.54 37
Agricultural Loans 1.27 0.25 90 1.29 0.26 92 1.67 0.23 94 1.76 0.21 95 2.01 0.26 94
Commercial & Industrial Loans 14.10 19.80 29 14.21 21.43 24 15.15 20.66 31 15.69 21.62 29 15.42 23.70 25
Loans to Individuals 6.46 7.31 59 7.01 8.06 56 10.01 6.54 66 11.24 6.89 72 13.43 7.86 74
Credit Card Loans 1.96 0.44 90 2.03 0.58 89 2.22 0.42 91 2.26 0.35 90 2.30 0.51 91
Auto Loans N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A
Municipal Loans 0.13 0.53 37 0.16 0.56 40 0.19 0.45 50 0.19 0.32 57 0.23 0.34 55
Non-Depository and Other 1.55 2.79 50 1.59 3.50 50 1.24 2.08 49 1.07 2.02 45 0.99 2.48 41
Loans to Foreign Governments 0.00 0.00 90 0.00 0.00 89 0.00 0.00 87 0.00 0.00 88 0.00 0.00 91
Lease Financing Receivables 2.54 1.17 78 2.58 1.39 77 3.18 1.43 80 3.37 1.52 80 3.45 1.67 79
Leases to Individuals 0.00 0.02 85 0.00 0.06 84 0.00 0.08 82 0.00 0.07 81 0.00 0.15 72
All Other Leases 2.54 1.01 80 2.58 1.21 78 3.18 1.21 85 3.37 1.28 85 3.45 1.39 84

Supplemental:
Loans to Finance Comml Real Est 0.51 0.51 63 0.53 0.61 61 0.55 0.61 63 0.57 0.59 62 0.43 0.62 56
Foreign Office Loans & Leases 0.00 0.45 72 0.00 0.63 71 0.00 0.61 73 0.00 0.44 75 0.00 0.65 75

Memorandum (% of Avg Tot Loans):
Loans & Lease Commitments 44.65 38.80 70 30.80 42.18 45 44.87 35.53 71 51.31 36.71 80 50.75 40.42 77
Officer, Shareholder Loans 0.38 0.47 57 0.38 0.58 59 0.44 0.60 57 0.48 0.55 60 0.52 0.65 56
Officer, Shareholder Loans to Assets 0.24 0.30 60 0.25 0.35 57 0.30 0.36 59 0.31 0.35 60 0.35 0.42 55

Other Real Estate Owned % Assets
Construction & Land Development 0.25 0.11 72 0.27 0.13 77 0.13 0.09 70 0.01 0.08 32 0.01 0.04 39
Farmland 0.00 0.00 70 0.00 0.00 78 0.00 0.00 84 0.00 0.00 85 0.00 0.00 82
1-4 Family 0.13 0.06 80 0.14 0.06 84 0.08 0.06 61 0.01 0.05 36 0.01 0.04 31
Multifamily 0.13 0.01 96 0.13 0.01 96 0.07 0.01 94 0.00 0.00 45 0.00 0.00 58
Non-Farm Non-Residential 0.18 0.06 90 0.15 0.06 82 0.08 0.04 85 0.03 0.02 60 0.01 0.01 46
Foreclosed GNMA 0.00 0.00 86 0.00 0.00 85 0.00 0.00 84 0.00 0.00 83 0.00 0.00 82
Foreign Offices N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A

Subtotal 0.70 0.27 86 0.69 0.29 87 0.35 0.23 73 0.05 0.18 32 0.02 0.11 25
Direct and Indirect Inv 0.00 0.03 68 0.00 0.04 70 0.00 0.04 63 0.00 0.03 65 0.00 0.03 65
Total 0.70 0.33 80 0.69 0.34 80 0.35 0.28 64 0.05 0.22 27 0.02 0.15 18

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Asset Servicing % Assets
Mortgage Servicing w/ Recourse 0.00 0.03 67 0.00 0.05 64 0.00 0.05 61 0.00 0.06 62 0.00 0.14 60
Mortgage Servicing w/o Recourse 0.47 10.43 45 0.47 12.96 45 0.57 11.65 47 0.63 9.09 52 0.70 9.91 50
Other Financial Assets 0.11 0.78 54 0.20 0.99 54 0.58 1.14 64 0.86 1.53 60 0.94 1.57 63
Total 0.58 14.25 34 0.67 16.97 33 1.15 16.17 38 1.49 13.89 36 1.64 12.62 36

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FDIC Certificate # 11063 FRB District/ID_RSSD 5 / 491224 FIRST-CITIZENS BANK & TRUST COMPANY ; RALEIGH , NC Allowance & Loan Mix-b
OCC Charter # 0 County: WAKE Analysis of Credit Allowance and Loan Mix--Page 7A 5/6/2018 2:02:14 PM
Public Report
12/31/2010 6/30/2010 12/31/2009 6/30/2009 12/31/2008
Loan Mix, % Average Gross LN&LS BANK PG 2 PCT BANK PG 2 PCT BANK PG 2 PCT BANK PG 2 PCT BANK PG 2 PCT
Real Estate Loans 73.95 62.11 68 73.15 59.31 71 68.56 62.56 56 66.69 60.60 52 64.47 58.47 51
Construction & Development 8.85 5.70 70 9.33 6.86 64 6.63 8.40 38 5.62 8.95 32 5.83 10.88 32
1-4 Family Construction 2.22 1.13 80 2.33 1.39 75 1.51 2.16 45 0.91 2.24 31 0.99 3.09 24
Other Const & Land
6.63 4.40 70 7.00 5.35 63 5.12 6.07 42 4.70 6.45 37 4.84 7.46 37
Development
Secured by Farmland 0.85 0.46 75 0.87 0.47 77 1.06 0.45 78 1.13 0.40 80 1.19 0.37 86
1-4 Family Residential 26.40 27.19 52 26.30 25.47 56 27.72 26.49 63 28.17 24.15 67 25.93 23.10 60
Home Equity Loans 17.67 6.15 95 17.32 5.81 92 18.80 5.26 96 19.13 4.98 96 16.49 4.80 96
1-4 Family 1st Lien Loans 7.69 18.57 26 7.71 16.83 26 8.06 18.15 22 8.41 15.85 26 8.73 15.42 25
1-4 Family Jr Lien Loans 1.04 1.36 47 1.27 1.52 54 0.87 1.72 38 0.63 1.61 36 0.71 2.08 31
Multifamily 2.12 2.45 45 1.95 2.33 45 0.55 2.21 24 0.45 2.03 24 0.40 1.80 22
Non-Farm Non-Residential 35.73 18.37 88 34.70 18.48 87 32.60 18.58 85 31.32 18.94 86 31.12 18.01 89
Owner Occupied Non-Farm Non-
25.56 7.15 96 25.13 7.60 96 26.13 7.51 94 25.87 7.35 95 25.63 7.23 94
Residential
Other Non-Farm Non-Residential 10.17 10.62 49 9.57 10.39 45 6.47 10.07 31 5.45 9.49 24 5.49 9.47 25
RE Loans in Foreign Offices N/A 0.63 N/A N/A 0.61 N/A N/A 0.61 N/A N/A 0.47 N/A N/A 0.49 N/A

Financial Institution Loans 0.00 0.08 47 0.00 0.11 50 0.00 0.17 50 0.00 0.19 49 0.00 0.54 37
Agricultural Loans 1.27 0.25 90 1.29 0.26 92 1.67 0.23 94 1.76 0.21 95 2.01 0.26 94
Commercial & Industrial Loans 14.10 19.80 29 14.21 21.43 24 15.15 20.66 31 15.69 21.62 29 15.42 23.70 25
Loans to Individuals 6.46 7.31 59 7.01 8.06 56 10.01 6.54 66 11.24 6.89 72 13.43 7.86 74
Credit Card Loans 1.96 0.44 90 2.03 0.58 89 2.22 0.42 91 2.26 0.35 90 2.30 0.51 91
Auto Loans N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A
Municipal Loans 0.13 0.53 37 0.16 0.56 40 0.19 0.45 50 0.19 0.32 57 0.23 0.34 55
Non-Depository and Other 1.55 2.79 50 1.59 3.50 50 1.24 2.08 49 1.07 2.02 45 0.99 2.48 41
Loans to Foreign Governments 0.00 0.00 90 0.00 0.00 89 0.00 0.00 87 0.00 0.00 88 0.00 0.00 91
Lease Financing Receivables 2.54 1.17 78 2.58 1.39 77 3.18 1.43 80 3.37 1.52 80 3.45 1.67 79
Leases to Individuals 0.00 0.02 85 0.00 0.06 84 0.00 0.08 82 0.00 0.07 81 0.00 0.15 72
All Other Leases 2.54 1.01 80 2.58 1.21 78 3.18 1.21 85 3.37 1.28 85 3.45 1.39 84

Supplemental:
Loans to Finance Comml Real Est 0.51 0.51 63 0.53 0.61 61 0.55 0.61 63 0.57 0.59 62 0.43 0.62 56
Foreign Office Loans & Leases 0.00 0.45 72 0.00 0.63 71 0.00 0.61 73 0.00 0.44 75 0.00 0.65 75

Memorandum (% of Avg Tot Loans):
Loans & Lease Commitments 44.65 38.80 70 30.80 42.18 45 44.87 35.53 71 51.31 36.71 80 50.75 40.42 77
Officer, Shareholder Loans 0.38 0.47 57 0.38 0.58 59 0.44 0.60 57 0.48 0.55 60 0.52 0.65 56
Officer, Shareholder Loans to Assets 0.24 0.30 60 0.25 0.35 57 0.30 0.36 59 0.31 0.35 60 0.35 0.42 55

Other Real Estate Owned % Assets
Construction & Land Development 0.25 0.11 72 0.27 0.13 77 0.13 0.09 70 0.01 0.08 32 0.01 0.04 39
Farmland 0.00 0.00 70 0.00 0.00 78 0.00 0.00 84 0.00 0.00 85 0.00 0.00 82
1-4 Family 0.13 0.06 80 0.14 0.06 84 0.08 0.06 61 0.01 0.05 36 0.01 0.04 31
Multifamily 0.13 0.01 96 0.13 0.01 96 0.07 0.01 94 0.00 0.00 45 0.00 0.00 58
Non-Farm Non-Residential 0.18 0.06 90 0.15 0.06 82 0.08 0.04 85 0.03 0.02 60 0.01 0.01 46
Foreclosed GNMA 0.00 0.00 86 0.00 0.00 85 0.00 0.00 84 0.00 0.00 83 0.00 0.00 82
Foreign Offices N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A

Subtotal 0.70 0.27 86 0.69 0.29 87 0.35 0.23 73 0.05 0.18 32 0.02 0.11 25
Direct and Indirect Inv 0.00 0.03 68 0.00 0.04 70 0.00 0.04 63 0.00 0.03 65 0.00 0.03 65
Total 0.70 0.33 80 0.69 0.34 80 0.35 0.28 64 0.05 0.22 27 0.02 0.15 18

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Asset Servicing % Assets
Mortgage Servicing w/ Recourse 0.00 0.03 67 0.00 0.05 64 0.00 0.05 61 0.00 0.06 62 0.00 0.14 60
Mortgage Servicing w/o Recourse 0.47 10.43 45 0.47 12.96 45 0.57 11.65 47 0.63 9.09 52 0.70 9.91 50
Other Financial Assets 0.11 0.78 54 0.20 0.99 54 0.58 1.14 64 0.86 1.53 60 0.94 1.57 63
Total 0.58 14.25 34 0.67 16.97 33 1.15 16.17 38 1.49 13.89 36 1.64 12.62 36

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FDIC Certificate # 11063 FRB District/ID_RSSD 5 / 491224 FIRST-CITIZENS BANK & TRUST COMPANY ; RALEIGH , NC Allowance & Loan Mix-a
OCC Charter # 0 County: WAKE Analysis of Credit Allowance and Loan Mix--Page 7 5/6/2018 2:01:18 PM
Public Report
12/31/2010 6/30/2010 12/31/2009 6/30/2009 12/31/2008
Analysis Ratios BANK PG 2 PCT BANK PG 2 PCT BANK PG 2 PCT BANK PG 2 PCT BANK PG 2 PCT
Loss Provision to Average Assets 0.69 1.02 40 0.45 1.21 26 0.29 2.07 8 0.28 1.92 11 0.21 1.21 13
Recoveries to Prior Credit Loss 15.08 11.09 75 14.81 9.56 80 14.53 14.79 57 15.30 9.24 76 16.59 25.72 36

Net Loss to Average Total LN&LS 0.60 1.58 22 0.42 1.75 14 0.34 2.11 10 0.34 1.76 18 0.24 1.03 15
Gross Loss to Average Total LN&LS 0.65 1.69 21 0.46 1.84 15 0.38 2.23 12 0.38 1.85 16 0.28 1.11 17
Recoveries to Average Total LN&LS 0.05 0.16 26 0.05 0.16 21 0.04 0.11 21 0.04 0.08 32 0.05 0.08 32

LN&LS Allowance to LN&LS Not
1.65 2.28 36 1.25 2.55 19 1.21 2.68 12 1.32 2.38 16 1.27 1.83 20
HFS
LN&LS Allowance to Total LN&LS 1.63 2.22 36 1.24 2.46 21 1.20 2.57 12 1.31 2.25 19 1.27 1.79 20
LN&LS Allowance to Net Losses (X) 2.58 1.79 78 2.93 1.72 88 3.66 1.68 92 3.70 1.81 86 5.41 2.55 91
LN&LS Allowance to Nonaccrual
0.80 1.03 38 0.57 0.95 20 1.69 0.90 87 5.07 0.96 96 7.19 1.48 92
LN&LS (X)

Earnings Coverage of Net Losses
6.30 3.17 80 10.60 2.92 92 7.94 3.05 87 4.30 3.21 74 9.71 4.63 80
(X)

Net Losses by Type of LN&LS
Real Estate Loans 0.53 1.70 27 0.28 1.80 19 0.10 2.15 8 0.09 1.59 19 0.04 0.98 15
Construction & Land Development 1.67 4.85 35 0.55 4.70 22 0.06 6.23 13 0.12 4.61 21 0.04 2.69 16
1-4 Family Construction 0.53 6.86 19 0.30 6.35 19 0.26 8.42 16 0.73 6.58 28 0.40 4.20 28
Other Construction & Land 2.06 4.28 39 0.64 4.58 25 0.00 4.80 15 0.00 3.76 21 -0.04 2.03 1
Secured by Farmland 0.19 0.82 51 0.40 0.72 73 0.61 0.32 82 0.00 0.15 58 0.00 0.05 69
1-4 Family Residential Loans 0.17 0.98 24 0.23 1.01 21 0.18 1.26 17 0.20 1.13 30 0.07 0.53 25
Home Equity Loans 0.25 1.03 31 0.33 1.03 32 0.23 1.63 19 0.22 1.62 32 0.07 0.82 27
1-4 Family 1st Lien Loans 0.02 0.90 16 0.05 0.83 17 0.09 1.17 14 0.15 0.98 27 0.07 0.47 33
1-4 Family Jr Lien Loans 0.00 2.72 19 0.00 2.60 22 0.00 2.44 23 0.00 1.90 23 0.00 0.96 24
Multifamily Loans 0.00 1.09 28 0.00 0.97 44 0.00 1.14 32 0.00 1.07 40 0.00 0.39 45
Non-Farm Non-Residential Mtg 0.41 1.13 33 0.16 1.09 27 0.01 0.77 18 0.00 0.53 25 0.02 0.24 25
Owner Occupied Nonfarm
0.41 0.81 47 0.04 0.67 30 0.01 0.46 20 0.00 0.34 30 0.03 0.14 40
Nonresidential
Other Nonfarm Nonresidential 0.39 1.43 28 0.47 1.36 32 0.00 1.05 15 0.00 0.66 21 0.00 0.31 24
RE Loans in Foreign Offices N/A 0.10 N/A N/A 0.17 N/A N/A 0.05 N/A N/A -0.03 N/A N/A 0.02 N/A

Agricultural Loans -0.01 0.43 9 -0.02 0.28 11 0.03 0.31 59 0.00 0.26 64 -0.01 0.07 17
Commercial and Industrial Loans 1.01 1.48 44 0.82 1.57 32 0.74 1.99 24 0.82 1.85 34 0.70 0.94 40
Loans to Individuals 2.06 2.08 51 2.06 2.03 55 1.49 2.42 37 1.34 2.81 35 0.73 1.58 22
Credit Card Plans 4.49 3.28 52 4.86 5.17 50 4.97 4.52 45 5.11 7.78 47 3.07 5.81 42
Auto Loans N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A
Non-Depository, Other & Muni Loans 0.00 0.80 32 0.00 0.71 38 0.00 1.65 35 0.00 1.29 42 0.00 1.14 29
Financial Institution Loans N/A 0.05 N/A N/A 0.17 N/A N/A 0.00 N/A N/A 0.00 N/A N/A -0.01 N/A
Loans to Foreign Governments N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A
Lease Financing 0.51 0.90 43 0.58 0.93 51 0.49 1.12 47 0.26 0.68 42 0.22 0.37 60
Leases to Individuals N/A 1.38 N/A N/A 2.53 N/A N/A 1.19 N/A N/A 1.17 N/A N/A 12.06 N/A
All Other Leases 0.50 0.91 51 0.58 0.81 55 0.49 1.12 48 0.26 0.71 43 0.21 0.31 62

Supplemental:
Loans to Finance Comml Real
0.00 1.47 69 0.00 0.64 68 0.00 4.04 53 0.00 2.39 61 0.00 0.31 67
Estate

Change: Credit Allowance ($000)
Beginning Balance 128,107 128,107 120,234 120,234 113,326

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Gross Credit Losses 77,489 27,880 38,849 18,744 26,482
Memo: Loans HFS Write-down 0 0 0 0 0
Recoveries 5,858 2,876 3,847 2,026 4,259
Net Credit Losses 71,631 25,004 35,002 16,718 22,223

Provision: Loan & Lease Losses 124,983 40,011 42,875 20,341 29,131
Other Adjustments 3,181 3,181 0 0 0
LN&LS Allowance 184,640 146,294 128,107 123,857 120,234

Average Total Loans & Leases 11,910,360 12,015,968 10,196,348 9,775,566 9,445,097

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FDIC Certificate # 11063 FRB District/ID_RSSD 5 / 491224 FIRST-CITIZENS BANK & TRUST COMPANY ; RALEIGH , NC Allowance & Loan Mix-b
OCC Charter # 0 County: WAKE Analysis of Credit Allowance and Loan Mix--Page 7A 5/6/2018 2:02:14 PM
Public Report
12/31/2010 6/30/2010 12/31/2009 6/30/2009 12/31/2008
Loan Mix, % Average Gross LN&LS BANK PG 2 PCT BANK PG 2 PCT BANK PG 2 PCT BANK PG 2 PCT BANK PG 2 PCT
Real Estate Loans 73.95 62.11 68 73.15 59.31 71 68.56 62.56 56 66.69 60.60 52 64.47 58.47 51
Construction & Development 8.85 5.70 70 9.33 6.86 64 6.63 8.40 38 5.62 8.95 32 5.83 10.88 32
1-4 Family Construction 2.22 1.13 80 2.33 1.39 75 1.51 2.16 45 0.91 2.24 31 0.99 3.09 24
Other Const & Land
6.63 4.40 70 7.00 5.35 63 5.12 6.07 42 4.70 6.45 37 4.84 7.46 37
Development
Secured by Farmland 0.85 0.46 75 0.87 0.47 77 1.06 0.45 78 1.13 0.40 80 1.19 0.37 86
1-4 Family Residential 26.40 27.19 52 26.30 25.47 56 27.72 26.49 63 28.17 24.15 67 25.93 23.10 60
Home Equity Loans 17.67 6.15 95 17.32 5.81 92 18.80 5.26 96 19.13 4.98 96 16.49 4.80 96
1-4 Family 1st Lien Loans 7.69 18.57 26 7.71 16.83 26 8.06 18.15 22 8.41 15.85 26 8.73 15.42 25
1-4 Family Jr Lien Loans 1.04 1.36 47 1.27 1.52 54 0.87 1.72 38 0.63 1.61 36 0.71 2.08 31
Multifamily 2.12 2.45 45 1.95 2.33 45 0.55 2.21 24 0.45 2.03 24 0.40 1.80 22
Non-Farm Non-Residential 35.73 18.37 88 34.70 18.48 87 32.60 18.58 85 31.32 18.94 86 31.12 18.01 89
Owner Occupied Non-Farm Non-
25.56 7.15 96 25.13 7.60 96 26.13 7.51 94 25.87 7.35 95 25.63 7.23 94
Residential
Other Non-Farm Non-Residential 10.17 10.62 49 9.57 10.39 45 6.47 10.07 31 5.45 9.49 24 5.49 9.47 25
RE Loans in Foreign Offices N/A 0.63 N/A N/A 0.61 N/A N/A 0.61 N/A N/A 0.47 N/A N/A 0.49 N/A

Financial Institution Loans 0.00 0.08 47 0.00 0.11 50 0.00 0.17 50 0.00 0.19 49 0.00 0.54 37
Agricultural Loans 1.27 0.25 90 1.29 0.26 92 1.67 0.23 94 1.76 0.21 95 2.01 0.26 94
Commercial & Industrial Loans 14.10 19.80 29 14.21 21.43 24 15.15 20.66 31 15.69 21.62 29 15.42 23.70 25
Loans to Individuals 6.46 7.31 59 7.01 8.06 56 10.01 6.54 66 11.24 6.89 72 13.43 7.86 74
Credit Card Loans 1.96 0.44 90 2.03 0.58 89 2.22 0.42 91 2.26 0.35 90 2.30 0.51 91
Auto Loans N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A
Municipal Loans 0.13 0.53 37 0.16 0.56 40 0.19 0.45 50 0.19 0.32 57 0.23 0.34 55
Non-Depository and Other 1.55 2.79 50 1.59 3.50 50 1.24 2.08 49 1.07 2.02 45 0.99 2.48 41
Loans to Foreign Governments 0.00 0.00 90 0.00 0.00 89 0.00 0.00 87 0.00 0.00 88 0.00 0.00 91
Lease Financing Receivables 2.54 1.17 78 2.58 1.39 77 3.18 1.43 80 3.37 1.52 80 3.45 1.67 79
Leases to Individuals 0.00 0.02 85 0.00 0.06 84 0.00 0.08 82 0.00 0.07 81 0.00 0.15 72
All Other Leases 2.54 1.01 80 2.58 1.21 78 3.18 1.21 85 3.37 1.28 85 3.45 1.39 84

Supplemental:
Loans to Finance Comml Real Est 0.51 0.51 63 0.53 0.61 61 0.55 0.61 63 0.57 0.59 62 0.43 0.62 56
Foreign Office Loans & Leases 0.00 0.45 72 0.00 0.63 71 0.00 0.61 73 0.00 0.44 75 0.00 0.65 75

Memorandum (% of Avg Tot Loans):
Loans & Lease Commitments 44.65 38.80 70 30.80 42.18 45 44.87 35.53 71 51.31 36.71 80 50.75 40.42 77
Officer, Shareholder Loans 0.38 0.47 57 0.38 0.58 59 0.44 0.60 57 0.48 0.55 60 0.52 0.65 56
Officer, Shareholder Loans to Assets 0.24 0.30 60 0.25 0.35 57 0.30 0.36 59 0.31 0.35 60 0.35 0.42 55

Other Real Estate Owned % Assets
Construction & Land Development 0.25 0.11 72 0.27 0.13 77 0.13 0.09 70 0.01 0.08 32 0.01 0.04 39
Farmland 0.00 0.00 70 0.00 0.00 78 0.00 0.00 84 0.00 0.00 85 0.00 0.00 82
1-4 Family 0.13 0.06 80 0.14 0.06 84 0.08 0.06 61 0.01 0.05 36 0.01 0.04 31
Multifamily 0.13 0.01 96 0.13 0.01 96 0.07 0.01 94 0.00 0.00 45 0.00 0.00 58
Non-Farm Non-Residential 0.18 0.06 90 0.15 0.06 82 0.08 0.04 85 0.03 0.02 60 0.01 0.01 46
Foreclosed GNMA 0.00 0.00 86 0.00 0.00 85 0.00 0.00 84 0.00 0.00 83 0.00 0.00 82
Foreign Offices N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A

Subtotal 0.70 0.27 86 0.69 0.29 87 0.35 0.23 73 0.05 0.18 32 0.02 0.11 25
Direct and Indirect Inv 0.00 0.03 68 0.00 0.04 70 0.00 0.04 63 0.00 0.03 65 0.00 0.03 65
Total 0.70 0.33 80 0.69 0.34 80 0.35 0.28 64 0.05 0.22 27 0.02 0.15 18

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Asset Servicing % Assets
Mortgage Servicing w/ Recourse 0.00 0.03 67 0.00 0.05 64 0.00 0.05 61 0.00 0.06 62 0.00 0.14 60
Mortgage Servicing w/o Recourse 0.47 10.43 45 0.47 12.96 45 0.57 11.65 47 0.63 9.09 52 0.70 9.91 50
Other Financial Assets 0.11 0.78 54 0.20 0.99 54 0.58 1.14 64 0.86 1.53 60 0.94 1.57 63
Total 0.58 14.25 34 0.67 16.97 33 1.15 16.17 38 1.49 13.89 36 1.64 12.62 36

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