| Exhibit # | Title | Line Name | Tab/table name | Column/s and Row/s used | Derivation of numbers if calculated |
| Exhibit 1 | Shares of Households' Financial Assets | CRA-regulated | Column B: CRA- regulated | ||
| Credit Market Instrument | Column C: Credit Market | ||||
| Non-pension Equities | Column D: non-pension equities | ||||
| Exhibit 2 | Dollar Holdings of Consumer Loans | CRA-regulated | Column G: CRA-regulated | ||
| Securitized Consumer Loans | Column H: Securitized Consumer Loans | ||||
| Exhibit 3 | Dollar Volume of Home Mortgage Debt Outstanding | CRA-regulated | Column K:CRA-regulated | ||
| Securitized Consumer Loans | Column L: Securitized Consumer Loans | ||||
| Exhibit 4 | Market Share of Offices | Top 25 | Table 2: Distribution of Bank and Thrift Offices by Tract Income and Location Relative to Headquarters | Column G: Total Offices Column A |
Column G of category 'Large' in Column A/Column G of 'Total' category in Column A |
| Large | Column G of category '>$B' in Column A/Column G of 'Total' category in Column A | ||||
| Small | Column G of category '<$B' in Column A/Column G of 'Total' category in Column A | ||||
| Exhibit 5 | Market Share of Deposits | Top 25 | Table 1: Distribution of Bank and Thrift Deposits by Tract Income and Location Relative to Headquarters | Column G: Total deposits Column A |
Column G of category 'Large' in Column A/Column G of 'Total' category in Column A |
| Large | Column G of category '>$B' in Column A/Column G of 'Total' category in Column A | ||||
| Small | Column G of category '<$B' in Column A/Column G of 'Total' category in Column A | ||||
| Exhibit 6 | Concentration of Deposits in same MSA as Main Office | Top 25 | Table 1: Distribution of Bank and Thrift Deposits by Tract Income and Location Relative to Headquarters | Column G: Total deposits Column I: Deposits at different MSA from Hdqt Column A |
100* (Column G - Column I)/ Column G of category 'Large' in Column A |
| Large | 100* (Column G - Column I)/ Column G of category '>$B' in Column A | ||||
| Small | 100* (Column G - Column I)/ Column G of category '<$B' in Column A | ||||
| Exhibit 7 | Market Share of Consumer Loan Dollars | Top 25 | Table 2a. Assets, loans, 12/31 in $millions of 2007 real dollars for all banks and thrifts | Column D:Consumer Column A |
Column D of category 'Large' in Column A/Column G of 'Total' category in Column A |
| Large | Column D of category '>$B' in Column A/Column G of 'Total' category in Column A | ||||
| Small | Column D of category '<$B' in Column A/Column G of 'Total' category in Column A | ||||
| Exhibit 8 | Market Share of 1-4 Family Home Mortgage Dollars | Top 25 | Table 2a. Assets, loans, 12/31 in $millions of 2007 real dollars for all banks and thrifts | Column E:1-4 family mort Column A |
Column E of category 'Large' in Column A/Column G of 'Total' category in Column A |
| Large | Column E of category '>$B' in Column A/Column G of 'Total' category in Column A | ||||
| Small | Column E of category '<$B' in Column A/Column G of 'Total' category in Column A | ||||
| Exhibit 9 | Mortgages Originated by Institution Type | Top 25 | Table 4: HMDA originations by tract/Borrower Income and Institution Type | Column I:Total Loans Column A |
Column I of category that starts with 'Large' in Column A/Column I of 'Total Market' category in Column A |
| Large | Column I of category that starts with '>$B' in Column A/Column I of 'Total Market' category in Column A | ||||
| Small | Column I of category that starts with '<$B' in Column A/Column I of 'Total' category in Column A | ||||
| Non Bank | Column I of category 'Indp Bank' in Column A/Column I of 'Total Market' category in Column A | ||||
| Exhibit 10 | Dollars of Small Business and Small Farm Loans held by Depositories | Top 25 | Table 10: Small Business Call Report Data: June 30th balance sheet data in 2007 real dollars | Column I: Market Share ($ dollars) Column A:Category |
Column I of category that starts with 'Large' in Column A |
| Large | Column I of category that starts with '>$B' in Column A | ||||
| Small | Column I of category that starts with '<$B' in Column A | ||||
| Non Bank | Column I of category 'Indp Bank' in Column A | ||||
| Exhibit 11 | Share of Offices in LMI Census Tracts | Top 25 | Column O: Top 25 | ||
| Large | Column P: Large | ||||
| Small | Column Q: Small | ||||
| Exhibit 12 | Share of LMI Mortgage Lending | Top 25 | Column E: Top 25 | ||
| Large | Column F: Large | ||||
| Small | Column G: Small | ||||
| Exhibit 13 | Share of Mortgages in Assessment Area | Top 25 | Table 4: HMDA originations by tract/Borrower Income and Institution Type | Column I:Total Loans Column A |
Column I for 'Large' category in Assessment in Column A/Column I of category that starts with 'Large' in Column A |
| Large | Column I for '>$B' category in Assessment in Column A/Column I of category that starts with '>$B' in Column A | ||||
| Small | Column I for '<$B' category in Assessment in Column A/Column I of category that starts with '<$B' in Column A | ||||
| Exhibit 14 | Ratio of shares of LMI Lending that are in/out of Assessment Area | Top 25 | Table 4: HMDA originations by tract/Borrower Income and Institution Type | Column C: LMI Borr or Tract Column A |
Column C for 'Large' category in Assessment in Column A/Column C for 'Large' category out of Assessment in Column A |
| Large | Column C for '>$B' category in Assessment in Column A/Column C for '>$B' category out of Assessment in Column A | ||||
| Small | Column C for '<$B' category in Assessment in Column A/Column C for '<$B' category out of Assessment in Column A | ||||
| Exhibit 15 | Higher Rate Mortages | Top 25 | Table7: HMDA originations by tract/Borrower Income and Institution Type for High Rate and non high-rate loans Loans | Column
I:Total Loans Column A and Rows 9-80 |
Column I of category that starts with 'Large' in Column A/Column I of 'Total Market' category in Column A (Rows 9-80 used) |
| Large | Column I of category that starts with '>$B' in Column A/Column I of 'Total Market' category in Column A (Rows 9-80 used) | ||||
| Small | Column I of category that starts with '<$B' in Column A/Column I of 'Total' category in Column A (Rows 9-80 used) | ||||
| Exhibit 16 | Ratio of Shares of LMI Small Business and Small Farm Lending in LMI Census Tracts | Top 25 | Table 11: Small Business End-of-Year Origination Data for CRA Reporters | Column C: Top 25 | |
| Large | Column D: Large | ||||
| Small | Column E: Small | ||||
| Exhibit 17 | Share of Small Business and Small Farm in Assessment Area | Top 25 | Column C: Top 25 | ||
| Large | Column D: Large | ||||
| Small | Column E: Small | ||||
| Exhibit 18 | Ratio of Shares of Small Business and Farm Lending in LMI Census Tracts that are in/out of Assessment Area | Top 25 | Table 11: Small Business End-of-Year Origination Data for CRA Reporters | Column Y: LMI % $dollars (Bus+Farm) in
Assessment Column AC: LMI % $dollars (Bus+Farm) out of Assessment Column A:Category |
Column Y/Column AC of 'Large' category in Column A |
| Large | Column Y/Column AC '>$B' category in Column A | ||||
| Small | Column Y/Column AC of '<$B' category in Column A | ||||
| Exhibit 19 | Percent of Outstanding Ratings by Agency | OCC | Table 9: Annual CRA Ratings, By Agency | Column G: Outstanding Percent Column A: Agency |
Column G of Agency OCC in Column A |
| FRB | Column G of Agency FRB in Column A | ||||
| FDIC | Column G of Agency FDIC in Column A | ||||
| OTS | Column G of Agency OTS in Column A | ||||
| Exhibit 20 | Percent of Unsatisfactory Ratings by Agency | OCC | Table 9: Annual CRA Ratings, By Agency | Column I: needs to improve percent Column J: non compliance percent Column A: Agency |
Column I + Column J of Agency OCC in Column A |
| FRB | Column I + Column Jof Agency FRB in Column A | ||||
| FDIC | Column I + Column J of Agency FDIC in Column A | ||||
| OTS | Column I + Column J of Agency OTS in Column A | ||||
| Exhibit 21 | Percent of Outstanding Ratings by Institution Size | Top 25 | Table 10: End-of-year CRA rating for the most recent exam, by Depository Type | Column H: Outstanding Percent Column A: Category |
Column H for 'Large' category in Column A |
| Large | Column H for '>$B' category in Column A | ||||
| Small | Column H for '<$B' category in Column A | ||||
| Exhibit 22 | Percent of Unsatisfactory Ratings by Institution Size | Top 25 | Table 10: End-of-year CRA rating for the most recent exam, by Depository Type | Column J: needs to improve percent Column K: non compliance percent Column A: Category |
Column J+column K for 'Large' category in Column A |
| Large | Column J+Column K for '>$B' category in Column A | ||||
| Small | Column J+ column K for '<$B' category in Column A | ||||