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Bhcpr Peer Group Data Summary Ratios Page BHCPR PEER GROUP DATA SUMMARY RATIOS PAGE 1 PEER GROUP 04 09/30/2005 09/30/2004 12/31/2004 12/31/2003 12/31/2002 ---------- ---------- ---------- ---------- ---------- Number of BHCs in Peer Group 393 353 358 335 328 EARNINGS AND PROFITABILITY -------------------------- PERCENT OF AVERAGE ASSETS: Net Interest Income (TE) 3.79 3.70 3.73 3.75 3.94 + Non-interest Income 0.97 1.05 1.03 1.11 1.08 - Overhead Expense 3.03 3.04 3.06 3.12 3.15 - Provision for Losses 0.16 0.16 0.18 0.23 0.28 + Securities Gains (Losses) 0.01 0.03 0.02 0.04 0.04 + Other Tax Equiv Adjustments 0.00 0.00 0.00 0.00 0.00 = Pretax Net Oper Income (TE) 1.63 1.59 1.56 1.62 1.66 Net Operating Income 1.10 1.07 1.06 1.08 1.11 Net Income 1.11 1.07 1.06 1.08 1.11 Net Income (Sub S Adjusted) 1.10 1.05 1.02 1.07 1.09 PERCENT OF AVG EARNING ASSETS: Interest Income (TE) 6.11 5.58 5.65 5.87 6.65 Interest Expense 2.04 1.59 1.63 1.81 2.40 Net Interest Income (TE) 4.09 4.00 4.03 4.05 4.25 LOSSES, ALLOW, AND PAST DUE+NONACCR: Net Ln&Ls Losses/Avg Loans & Leases 0.10 0.15 0.17 0.25 0.26 Earnings Coverage of Net Losses (X) 38.02 28.40 28.88 27.46 24.11 Ln&Ls Allowance/Total Loans & Leases 1.21 1.28 1.25 1.32 1.32 Nonaccr Lns&Ls+RE Acq/Lns&Ls+RE Acq 0.49 0.61 0.56 0.69 0.75 30-89 Days Past Due Loans and Leases 0.56 0.58 0.62 0.74 0.95 LIQUIDITY AND FUNDING: Net Noncore Funding Dependence 23.17 21.33 21.71 19.92 19.33 Net ST Noncore Funding Dependence 11.95 10.27 10.81 9.67 8.69 Net Loans and Leases/Total Assets 69.43 67.04 68.24 65.51 66.05 CAPITALIZATION: Tier 1 Leverage Ratio 9.18 9.10 9.10 8.80 8.56 Equity Capital/Total Assets 8.55 8.73 8.68 8.62 8.50 Net Loans&Ls/Equity Capital (X) 8.50 7.98 8.17 7.91 8.06 Cash Dividends/Net Income 23.22 24.85 26.35 27.13 23.98 Cash Dividends/Net Income (Sub S Adjusted) 18.87 24.82 22.77 26.05 24.15 Retained Earnings/Avg Equity Cap 9.35 8.93 8.74 8.77 9.38 PARENT COMPANY RATIOS: Short-Term Debt/Equity Capital 0.45 0.54 0.37 0.67 0.74 Long-Term Debt/Equity Capital 0.80 0.75 0.86 1.30 1.76 Equity Investment in Subs/Equity Cap 110.58 108.42 109.66 108.48 109.05 Cash FR Oper+Noncash+Op Exp/Op Exp+Div 108.25 108.58 114.91 137.23 127.87 BHCPR PEER GROUP DATA RELATIVE INCOME STATEMENT AND MARGIN ANALYSIS PAGE 2 PEER GROUP 04 PERCENT OF AVERAGE ASSETS 09/30/2005 09/30/2004 12/31/2004 12/31/2003 12/31/2002 ------------------------- ---------- ---------- ---------- ---------- ---------- Interest Income (TE) 5.68 5.17 5.23 5.43 6.16 Less: Interest Expense 1.90 1.47 1.51 1.68 2.22 Equals: Net Interest Income (TE) 3.79 3.70 3.73 3.75 3.94 Plus: Non-Interest Income 0.97 1.05 1.03 1.11 1.08 Equals: Adj Operating Income (TE) 4.81 4.79 4.80 4.91 5.07 Less: Overhead Expense 3.03 3.04 3.06 3.12 3.15 Less: Provision for Loan and Lease Losses 0.16 0.16 0.18 0.23 0.28 Plus: Realized G/L on HTM Sec 0.00 0.00 0.00 0.00 0.00 Plus: Realized G/L on AFS Sec 0.01 0.03 0.02 0.04 0.04 Plus: Other Tax Equiv Adjustments 0.00 0.00 0.00 0.00 0.00 Equals: Pretax Net Oper Inc (TE) 1.63 1.59 1.56 1.62 1.66 Less: Applicable Income Taxes (TE) 0.50 0.50 0.48 0.50 0.53 Less: Minority Interest 0.00 0.00 0.00 0.01 0.00 Equals: Net Operating Income 1.10 1.07 1.06 1.08 1.11 Plus: Net Extraordinary Items 0.00 0.00 0.00 0.00 0.00 Equals: Net Income 1.11 1.07 1.06 1.08 1.11 Memo: Net Income (Last Four Qtrs) 1.09 1.06 1.07 1.09 1.11 MARGIN ANALYSIS: Avg Earning Assets / Avg Assets 93.05 92.79 92.85 92.71 92.76 Avg Int-Bearing Funds / Avg Assets 78.69 78.66 78.56 79.69 79.85 Int Income (TE) / Avg Earning Assets 6.11 5.58 5.65 5.87 6.65 Int Expense / Avg Earning Assets 2.04 1.59 1.63 1.81 2.40 Net Int Inc (TE) / Avg Earn Assets 4.09 4.00 4.03 4.05 4.25 YIELD OR COST: Total Loans and Leases (TE) 6.75 6.21 6.27 6.63 7.31 Interest-Bearing Bank Balances 3.16 1.31 1.77 1.72 2.33 Fed Funds Sold & Reverse Repos 2.92 1.06 1.30 1.04 1.59 Trading Assets 1.26 5.44 4.69 1.65 10.41 Total Earning Assets 6.02 5.47 5.55 5.77 6.55 Investment Securities (TE) 4.13 4.07 4.05 4.19 5.30 U.S. Treasury & Agency Sec (excl MBS) 3.39 3.35 3.33 3.61 4.76 Mortgage-Backed Securities 4.11 3.91 3.93 3.68 5.10 All Other Securities 5.92 6.15 6.27 6.18 6.79 Interest-Bearing Deposits 2.14 1.62 1.66 1.89 2.59 Time Deposits of $100K or More 3.02 2.41 2.46 2.75 3.54 Time Deposits < $100K 2.96 2.51 2.52 2.94 3.77 Other Domestic Deposits 1.29 0.82 0.86 0.91 1.40 Foreign Deposits 1.79 0.61 0.62 0.21 0.71 Fed Funds Purchased and Repos 2.52 1.22 1.37 1.19 1.79 Other Borrowed Funds & Trading Liab 3.84 3.53 3.54 3.96 4.41 All Interest-Bearing Funds 2.42 1.87 1.92 2.11 2.78 BHCPR PEER GROUP DATA NON-INTEREST INCOME AND EXPENSES PAGE 3 PEER GROUP 04 09/30/2005 09/30/2004 12/31/2004 12/31/2003 12/31/2002 ------------ ------------ ------------ ------------ ------------ Avg Personnel Exp Per Employee ($000) 42 40 53 52 49 Avg Assets per Employee ($000) 3,428 3,258 3,253 3,089 2,956 ANALYSIS RATIOS --------------- Mutual Fund Fee Inc / Non-Int Income 1.80 2.04 1.92 1.56 1.47 Overhead Exp / NII + Non-Int Income 64.25 64.88 64.96 64.50 62.96 PERCENT OF AVERAGE ASSETS: Total Overhead Expense 3.03 3.04 3.06 3.12 3.15 Personnel Expense 1.70 1.70 1.70 1.73 1.72 Net Occupancy Expense 0.43 0.43 0.43 0.44 0.45 Other Operating Expenses 0.88 0.89 0.90 0.93 0.95 Overhead Less Non-Interest Income 2.01 1.96 1.99 1.95 2.02 PERCENT OF ADJUSTED OPERATING INCOME (TE): Total Overhead Expense 63.03 63.53 63.75 63.29 61.73 Personnel Expense 35.38 35.50 35.46 35.14 33.69 Net Occupancy Expense 8.85 8.92 8.88 8.94 8.85 Other Operating Expenses 18.42 18.68 18.90 18.82 18.75 Total Non-Interest Income 19.82 21.23 20.95 22.19 20.73 Fiduciary Activities Income 1.13 1.19 1.10 1.22 1.15 Serv Charges on Deposit Accts - Domestic 7.19 8.07 7.91 8.09 7.62 Trading Revenue 0.00 0.00 0.00 0.00 0.00 Investment Banking Fees & Commissions 0.47 0.55 0.52 0.50 0.42 Venture Capital Revenue 0.00 0.00 0.00 0.00 0.00 Net Servicing Fees 0.28 0.26 0.27 0.28 0.26 Net Securitization Income 0.00 0.00 0.00 0.00 0.00 Insurance Activities Revenue 0.53 0.50 0.48 0.49 0.41 Net Gain (Loss) - Sales Loans, OREO, Oth 1.57 1.77 1.80 2.74 1.89 Other Non-Interest Income 5.70 5.66 5.79 6.15 6.14 Overhead Less Non-Interest Income 42.62 41.56 42.11 40.28 40.51 TAX RATIOS: Appl Inc Taxes/Pretax NOI (TE) 26.28 26.44 26.13 25.03 26.84 Appl Inc Tax+TE/Pretax NOI+TE 31.52 32.23 31.52 31.92 32.70 BHCPR PEER GROUP DATA PERCENT COMPOSITION OF ASSETS AND LOAN MIX PAGE 4 PEER GROUP 04 PERCENT OF TOTAL ASSETS 09/30/2005 09/30/2004 12/31/2004 12/31/2003 12/31/2002 ----------------------- ---------- ---------- ---------- ---------- ---------- Real Estate Loans 53.74 50.51 51.53 48.40 47.31 Commercial and Industrial Loans 9.28 9.60 9.71 9.69 10.55 Loans to Individuals 3.17 3.77 3.67 4.14 4.57 Loans to Depository Institutions 0.00 0.00 0.00 0.00 0.00 Agricultural Loans 0.84 0.82 0.84 0.94 0.89 Other Loans and Leases 0.85 0.85 0.90 0.86 0.85 Net Loans and Leases 69.43 67.04 68.24 65.51 66.05 Debt Securities Over 1 Year 16.36 19.32 18.29 20.30 18.35 Mutual Funds and Equity Securities 0.21 0.28 0.28 0.26 0.33 Subtotal 86.77 87.49 87.75 86.97 85.55 Interest-Bearing Bank Balances 0.34 0.37 0.35 0.41 0.51 Federal Funds Sold & Reverse Repos 1.40 1.14 1.11 1.12 1.83 Debt Securities 1 Year or Less 2.16 1.87 1.94 2.06 2.51 Trading Assets 0.00 0.00 0.00 0.00 0.00 Total Earning Assets 91.58 91.64 91.83 91.34 91.30 Non-Int Cash and Due From Dep Inst 2.84 2.83 2.59 3.26 3.42 Acceptances 0.00 0.00 0.00 0.00 0.00 Other Real Estate Owned 0.06 0.08 0.08 0.09 0.10 All Other Assets 5.48 5.44 5.48 5.33 5.17 MEMORANDA: Short-Term Investments 4.56 3.91 3.87 4.14 5.53 U.S.
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