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Bhcpr Peer Group Data Summary Ratios Page BHCPR PEER GROUP DATA SUMMARY RATIOS PAGE 1 PEER GROUP 03 12/31/2008 12/31/2007 12/31/2006 12/31/2005 12/31/2004 ---------- ---------- ---------- ---------- ---------- Number of BHCs in Peer Group 293 275 265 239 214 EARNINGS AND PROFITABILITY -------------------------- PERCENT OF AVERAGE ASSETS: Net Interest Income (TE) 3.32 3.48 3.68 3.75 3.68 + Non-interest Income 0.91 0.96 0.95 1.00 1.06 - Overhead Expense 2.99 2.88 2.84 2.88 2.94 - Provision for Losses 0.78 0.27 0.16 0.17 0.19 + Securities Gains (Losses) -0.04 0.00 0.00 0.00 0.02 + Other Tax Equiv Adjustments 0.00 0.00 0.00 0.00 0.00 = Pretax Net Oper Income (TE) 0.44 1.32 1.66 1.74 1.71 Net Operating Income 0.27 0.89 1.10 1.15 1.12 Net Income 0.27 0.89 1.10 1.15 1.12 Net Income (Sub S Adjusted) 0.52 1.02 1.25 1.27 1.16 PERCENT OF AVG EARNING ASSETS: Interest Income (TE) 6.25 7.26 7.07 6.21 5.56 Interest Expense 2.64 3.49 3.08 2.14 1.57 Net Interest Income (TE) 3.60 3.78 3.99 4.07 3.99 LOSSES, ALLOW, AND PAST DUE+NONACCR: Net Ln&Ls Losses/Avg Loans & Leases 0.66 0.24 0.13 0.15 0.19 Earnings Coverage of Net Losses (X) 5.34 16.09 34.76 38.11 25.28 Ln&Ls Allowance/Total Loans & Leases 1.50 1.20 1.16 1.22 1.30 Nonaccr Lns&Ls+RE Acq/Lns&Ls+RE Acq 2.73 1.15 0.57 0.52 0.61 30-89 Days Past Due Loans and Leases 1.31 0.93 0.62 0.56 0.58 LIQUIDITY AND FUNDING: Net Noncore Funding Dependence 32.89 28.15 26.53 25.34 24.19 Net ST Noncore Funding Dependence 21.66 19.27 17.83 15.26 13.71 Net Loans and Leases/Total Assets 72.55 72.02 71.08 69.50 67.83 CAPITALIZATION: Tier 1 Leverage Ratio 8.65 8.86 8.95 8.79 8.64 Equity Capital/Total Assets 8.29 8.65 8.62 8.36 8.38 Net Loans&Ls/Equity Capital (X) 9.16 8.69 8.64 8.60 8.39 Cash Dividends/Net Income 55.29 32.24 27.18 27.03 27.11 Cash Dividends/Net Income (Sub S Adjusted) 20.75 27.39 25.51 18.12 31.75 Retained Earnings/Avg Equity Cap -0.16 6.42 9.02 9.68 9.31 PARENT COMPANY RATIOS: Short-Term Debt/Equity Capital 1.09 0.65 0.58 0.59 0.29 Long-Term Debt/Equity Capital 1.37 1.45 1.17 1.25 1.61 Equity Investment in Subs/Equity Cap 116.31 117.36 116.10 114.60 113.72 Cash FR Oper+Noncash+Op Exp/Op Exp+Div 99.04 121.11 110.20 115.36 108.77 BHCPR PEER GROUP DATA RELATIVE INCOME STATEMENT AND MARGIN ANALYSIS PAGE 2 PEER GROUP 03 PERCENT OF AVERAGE ASSETS 12/31/2008 12/31/2007 12/31/2006 12/31/2005 12/31/2004 ------------------------- ---------- ---------- ---------- ---------- ---------- Interest Income (TE) 5.77 6.70 6.52 5.73 5.14 Less: Interest Expense 2.44 3.22 2.84 1.97 1.45 Equals: Net Interest Income (TE) 3.32 3.48 3.68 3.75 3.68 Plus: Non-Interest Income 0.91 0.96 0.95 1.00 1.06 Equals: Adj Operating Income (TE) 4.28 4.50 4.69 4.82 4.80 Less: Overhead Expense 2.99 2.88 2.84 2.88 2.94 Less: Provision for Loan and Lease Losses 0.78 0.27 0.16 0.17 0.19 Plus: Realized G/L on HTM Sec 0.00 0.00 0.00 0.00 0.00 Plus: Realized G/L on AFS Sec -0.04 0.00 0.00 0.00 0.02 Plus: Other Tax Equiv Adjustments 0.00 0.00 0.00 0.00 0.00 Equals: Pretax Net Oper Inc (TE) 0.44 1.32 1.66 1.74 1.71 Less: Applicable Income Taxes (TE) 0.17 0.40 0.52 0.56 0.56 Less: Minority Interest 0.00 0.00 0.00 0.00 0.00 Equals: Net Operating Income 0.27 0.89 1.10 1.15 1.12 Plus: Net Extraordinary Items 0.00 0.00 0.00 0.00 0.00 Equals: Net Income 0.27 0.89 1.10 1.15 1.12 Memo: Net Income (Last Four Qtrs) 0.27 0.88 1.10 1.16 1.11 MARGIN ANALYSIS: Avg Earning Assets / Avg Assets 92.61 92.62 92.67 92.56 92.68 Avg Int-Bearing Funds / Avg Assets 81.06 80.16 79.16 77.92 77.97 Int Income (TE) / Avg Earning Assets 6.25 7.26 7.07 6.21 5.56 Int Expense / Avg Earning Assets 2.64 3.49 3.08 2.14 1.57 Net Int Inc (TE) / Avg Earn Assets 3.60 3.78 3.99 4.07 3.99 YIELD OR COST: Total Loans and Leases (TE) 6.58 7.81 7.69 6.82 6.14 Interest-Bearing Bank Balances 2.70 5.32 5.04 3.47 1.65 Fed Funds Sold & Reverse Repos 2.06 5.04 4.88 3.19 1.33 Trading Assets 3.49 4.17 2.04 1.21 1.27 Total Earning Assets 6.17 7.17 6.98 6.11 5.47 Investment Securities (TE) 5.10 5.14 4.77 4.29 4.08 U.S. Treasury & Agency Sec (excl MBS) 5.07 4.83 4.19 3.52 3.32 Mortgage-Backed Securities 4.85 4.80 4.56 4.09 3.91 All Other Securities 6.56 7.00 6.86 6.55 6.28 Interest-Bearing Deposits 2.82 3.78 3.30 2.22 1.57 Time Deposits of $100K or More 3.91 4.82 4.36 3.12 2.34 Time Deposits < $100K 3.87 4.79 4.16 3.05 2.46 Other Domestic Deposits 1.59 2.69 2.29 1.43 0.86 Foreign Deposits 2.47 2.43 2.73 2.16 1.81 Fed Funds Purchased and Repos 2.30 4.26 4.19 2.73 1.34 Other Borrowed Funds & Trading Liab 3.68 4.75 4.60 3.87 3.37 All Interest-Bearing Funds 3.01 4.04 3.59 2.53 1.85 BHCPR PEER GROUP DATA NON-INTEREST INCOME AND EXPENSES PAGE 3 PEER GROUP 03 12/31/2008 12/31/2007 12/31/2006 12/31/2005 12/31/2004 ------------ ------------ ------------ ------------ ------------ Avg Personnel Exp Per Employee ($000) 66 64 62 58 56 Avg Assets per Employee ($000) 4,468 4,163 4,035 3,782 3,620 ANALYSIS RATIOS --------------- Mutual Fund Fee Inc / Non-Int Income 1.96 1.93 1.92 2.05 2.08 Overhead Exp / NII + Non-Int Income 70.60 65.94 62.46 61.27 62.28 PERCENT OF AVERAGE ASSETS: Total Overhead Expense 2.99 2.88 2.84 2.88 2.94 Personnel Expense 1.53 1.60 1.59 1.60 1.61 Net Occupancy Expense 0.41 0.41 0.41 0.41 0.42 Other Operating Expenses 0.98 0.85 0.82 0.85 0.88 Overhead Less Non-Interest Income 1.98 1.89 1.86 1.84 1.83 PERCENT OF ADJUSTED OPERATING INCOME (TE): Total Overhead Expense 69.43 64.75 61.29 60.08 61.13 Personnel Expense 36.28 35.75 34.28 33.25 33.48 Net Occupancy Expense 9.81 9.21 8.73 8.59 8.72 Other Operating Expenses 22.72 19.06 17.84 17.75 18.44 Total Non-Interest Income 20.47 20.86 20.11 20.43 21.98 Fiduciary Activities Income 1.46 1.47 1.35 1.39 1.58 Serv Charges on Deposit Accts - Domestic 7.86 7.53 7.41 7.69 8.37 Trading Revenue 0.00 0.00 0.00 0.00 0.00 Investment Banking Fees & Commissions 0.65 0.66 0.56 0.57 0.58 Venture Capital Revenue 0.00 0.00 0.00 0.00 0.00 Net Servicing Fees 0.19 0.22 0.22 0.24 0.27 Net Securitization Income 0.00 0.00 0.00 0.00 0.00 Insurance Activities Revenue 0.61 0.66 0.60 0.53 0.55 Net Gain (Loss) - Sales Loans, OREO, Oth 0.79 1.44 1.51 1.72 1.82 Other Non-Interest Income 6.48 6.07 5.74 5.82 6.23 Overhead Less Non-Interest Income 48.25 42.88 40.71 38.83 38.82 TAX RATIOS: Appl Inc Taxes/Pretax NOI (TE) 17.59 24.31 27.80 28.22 28.21 Appl Inc Tax+TE/Pretax NOI+TE 29.15 31.51 32.55 33.37 33.72 BHCPR PEER GROUP DATA PERCENT COMPOSITION OF ASSETS AND LOAN MIX PAGE 4 PEER GROUP 03 PERCENT OF TOTAL ASSETS 12/31/2008 12/31/2007 12/31/2006 12/31/2005 12/31/2004 ----------------------- ---------- ---------- ---------- ---------- ---------- Real Estate Loans 56.61 55.84 54.90 53.00 50.70 Commercial and Industrial Loans 10.27 10.12 9.90 9.94 10.39 Loans to Individuals 2.68 2.82 2.91 3.24 3.49 Loans to Depository Institutions 0.00 0.00 0.00 0.00 0.00 Agricultural Loans 0.69 0.64 0.65 0.67 0.68 Other Loans and Leases 1.09 1.14 1.01 0.98 0.99 Net Loans and Leases 72.55 72.02 71.08 69.50 67.83 Debt Securities Over 1 Year 13.65 13.51 14.00 16.08 18.86 Mutual Funds and Equity Securities 0.11 0.18 0.17 0.17 0.22 Subtotal 86.88 86.49 85.85 86.52 87.66 Interest-Bearing Bank Balances 0.81 0.23 0.31 0.25 0.25 Federal Funds Sold & Reverse Repos 0.49 0.81 1.27 1.04 0.87 Debt Securities 1 Year or Less 1.75 2.54 2.70 2.27 2.00 Trading Assets 0.00 0.00 0.00 0.00 0.00 Total Earning Assets 90.93 90.92 91.02 90.87 91.49 Non-Int Cash and Due From Dep Inst 2.04 2.28 2.55 2.86 2.49 Other Real Estate Owned 0.43 0.15 0.06 0.07 0.08 All Other Assets 6.83 6.68 6.31 6.15 5.93 MEMORANDA: Short-Term Investments 3.67 4.01 4.85 4.01 3.57 U.S.
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