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FDIC Financial Institution Letters › BANK REPORTS

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Text

Board of Governors of the Federal Reserve System

OMB Number: 7100-0036

Federal Deposit Insurance Corporation

OMB Number: 3064-0052

Ofﬁ ce of the Comptroller of the Currency

OMB Number: 1557-0081

Expires March 31, 2005

Federal Financial Institutions Examination Council

Consolidated Reports of Condition and Income for

A Bank With Domestic and Foreign Ofﬁ ces—FFIEC 031

Report at the close of business March 31, 2003

(20030331)

(RCRI 9999)

Please refer to page i,

Table of Contents, for

the required disclosure

of estimated burden.

This report is required by law: 12 U.S.C. §324 (State member

banks); 12 U.S.C. §1817 (State nonmember banks); and

12 U.S.C. §161 (National banks).

This report form is to be ﬁ led by banks with branches and con-

solidated subsidiaries in U.S. territories and possessions, Edge or

Agreement subsidiaries, foreign branches, consolidated foreign

subsidiaries, or International Banking Facilities.

NOTE: The Reports of Condition and Income must be signed

by an authorized ofﬁ cer and the Report of Condition must be

attested to by not less than two directors (trustees) for State

nonmember banks and three directors for State member and

National banks.

of the named bank do hereby declare that the Reports of

Condition and Income (including the supporting schedules) for

this report date have been prepared in conformance with the

instructions issued by the appropriate Federal regulatory author-

ity and are true to the best of my knowledge and belief.

Name and Title of Ofﬁ cer Authorized to Sign Report

The Reports of Condition and Income are to be prepared in

accordance with Federal regulatory authority instructions

ncome (including the supporting schedules) for

this report date have been prepared in conformance with the

instructions issued by the appropriate Federal regulatory author-

ity and are true to the best of my knowledge and belief.

Name and Title of Ofﬁ cer Authorized to Sign Report

The Reports of Condition and Income are to be prepared in

accordance with Federal regulatory authority instructions.

We, the undersigned directors (trustees), attest to the correct ness

of the Report of Condition (including the supporting schedules)

for this report date and declare that it has been examined by us

and to the best of our knowledge and belief has been prepared in

conformance with the instructions issued by the appropriate Fed-

eral regulatory authority and is true and correct.

Signature of Ofﬁ cer Authorized to Sign Report

Date of Signature

Director (Trustee)

Submission of Reports

Each bank must prepare its Reports of Condition and Income

either:

(a) in electronic form and then ﬁ le the computer data ﬁ le directly

with the banking agencies’ collection agent, Electronic Data

Systems Corporation (EDS), by modem or on computer

diskette; or

(b) in hard-copy (paper) form and arrange for another party to

convert the paper report to electronic form. That party (if other

than EDS) must transmit the bank’s computer data ﬁ le to

EDS.

For electronic ﬁ ling assistance, contact EDS Call Report

Services, 2150 N. Prospect Ave., Milwaukee, WI 53202, tele-

phone (800) 255-1571.

To fulﬁ ll the signature and attestation requirement for the Reports

of Condition and Income for this report date, attach this signature

page (or a photocopy or a computer-generated version of this

page) to the hard-copy record of the completed report that the

bank places in its ﬁ les.

FDIC Certiﬁ cate Number

(RCRI 9050)

Legal Title of Bank (TEXT 9010)

City (TEXT 9130)

State Abbrev

) 255-1571.

To fulﬁ ll the signature and attestation requirement for the Reports

of Condition and Income for this report date, attach this signature

page (or a photocopy or a computer-generated version of this

page) to the hard-copy record of the completed report that the

bank places in its ﬁ les.

FDIC Certiﬁ cate Number

(RCRI 9050)

Legal Title of Bank (TEXT 9010)

City (TEXT 9130)

State Abbrev. (TEXT 9200)

ZIP Code (TEXT 9220)

Board of Governors of the Federal Reserve System, Federal Deposit Insurance Corporation, Ofﬁ ce of the Comptroller of the Currency

FFIEC 031

Page i

Consolidated Reports of Condition and Income for

A Bank With Domestic and Foreign Ofﬁ ces

Table of Contents

Signature Page

Cover

Contact Information ........................................................ii

Report of Income

Schedule RI—Income Statement .........................RI-1, 2, 3

Schedule RI-A—Changes in Equity Capital .................RI-4

Schedule RI-B—Charge-offs and Recoveries on

Loans and Leases and Changes in Allowance

for Loan and Lease Losses..............................RI-4, 5, 6

Schedule RI-D—Income from

International Operations...........................................RI-6

Schedule RI-E—Explanations ..................................RI-7, 8

Report of Condition

Schedule RC—Balance Sheet ...............................RC-1, 2

Schedule RC-A—Cash and Balances Due

From Depository Institutions ..................................RC-3

Schedule RC-B—Securities ...............................RC-3, 4, 5

Schedule RC-C—Loans and Lease Financing

Receivables:

Part I. Loans and Leases ...................................RC-6, 7

Part II

......RI-7, 8

Report of Condition

Schedule RC—Balance Sheet ...............................RC-1, 2

Schedule RC-A—Cash and Balances Due

From Depository Institutions ..................................RC-3

Schedule RC-B—Securities ...............................RC-3, 4, 5

Schedule RC-C—Loans and Lease Financing

Receivables:

Part I. Loans and Leases ...................................RC-6, 7

Part II. Loans to Small Businesses and

Small Farms (to be completed for the

June report only; not included in the

forms for the September and

December reports).....................................RC-7a, 7b

Schedule RC-D—Trading Assets and Liabilities

(to be completed only by selected banks)..............RC-8

Schedule RC-E—Deposit Liabilities .....................RC-9, 10

Schedule RC-F—Other Assets................................. RC-11

Schedule RC-G—Other Liabilities............................ RC-11

Schedule RC-H—Selected Balance Sheet Items

for Domestic Ofﬁ ces.............................................RC-12

Schedule RC-I—Assets and Liabilities of IBFs.........RC-12

Schedule RC-K—Quarterly Averages ......................RC-13

Schedule RC-L—Derivatives and

Off-Balance Sheet Items ................................RC-14, 15

Schedule RC-M—Memoranda .................................RC-16

Schedule RC-N—Past Due and Nonaccrual

Loans, Leases, and Other Assets ..................RC-17, 18

Schedule RC-O—Other Data for Deposit

Insurance and FICO Assessments ................RC-19, 20

Schedule RC-R—Regulatory Capital ................RC-21, 22,

23, 24

Schedule RC-S—Servicing, Securitization,

and Asset Sale Activities..........................RC-25, 26, 27

Schedule RC-T—Fiduciary and Related

Services ...................................................RC-28, 29, 30

Optional Narrative Statement Concerning

the Amounts Reported in the Reports

of Condition and Income ......................................RC-31

Special Report (to be completed by all banks)

Disclosure of Estimated Burden

The estimated average burden associated with this infor

C-25, 26, 27

Schedule RC-T—Fiduciary and Related

Services ...................................................RC-28, 29, 30

Optional Narrative Statement Concerning

the Amounts Reported in the Reports

of Condition and Income ......................................RC-31

Special Report (to be completed by all banks)

Disclosure of Estimated Burden

The estimated average burden associated with this information collection is

37.0 hours per respondent and is estimated to vary from 15 to 550 hours per

response, depending on individual circumstances. Burden estimates include the

time for reviewing instructions, gathering and maintaining data in the required form,

and completing the information collection, but exclude the time for compiling and

maintaining business records in the normal course of a respondent’s activities. A

Federal agency may not conduct or sponsor, and an organization (or a person) is not

required to respond to a collection of information, unless it displays a currently valid

OMB control number. Comments concerning the accuracy of this burden estimate

and suggestions for reducing this burden should be directed to the Ofﬁ ce of Informa-

tion and Regulatory Affairs, Ofﬁ ce of Management and Budget, Washington, D.C.

20503, and to one of the following:

Secretary

Board of Governors of the Federal Reserve System

Washington, D.C. 20551

Legislative and Regulatory Analysis Division

Ofﬁ ce of the Comptroller of the Currency

Washington, D.C. 20219

Assistant Executive Secretary

Federal Deposit Insurance Corporation

Washington, D.C. 20429

For information or assistance, National and State nonmember banks should contact the FDIC’s Reports Analysis and Quality Control

Section, 550 17th Street, NW, Washington, D.C. 20429, toll free on (800) 688-FDIC(3342), Monday through Friday between 8:00 a.m.

and 5:00 p.m., Eastern time. State member banks should contact their Federal Reserve District Bank.

rance Corporation

Washington, D.C. 20429

For information or assistance, National and State nonmember banks should contact the FDIC’s Reports Analysis and Quality Control

Section, 550 17th Street, NW, Washington, D.C. 20429, toll free on (800) 688-FDIC(3342), Monday through Friday between 8:00 a.m.

and 5:00 p.m., Eastern time. State member banks should contact their Federal Reserve District Bank.

Emergency Contact Information

This information is being requested so the Agencies can distribute critical, time sensitive information to emergency contacts at banks.

Please provide primary contact information for a senior ofﬁ cial of the bank who has decision-making authority. Also provide information for a

secondary contact if available. Enter “none” for the contact’s e-mail address or fax number if not available. Emergency contact information is for

the conﬁ dential use of the Agencies and will not be released to the public.

Name (TEXT C366)

Telephone: Area code/phone number/extension (TEXT C369)

FAX: Area code/phone number (TEXT C370)

Title (TEXT C367)

Primary Contact

Secondary Contact

E-mail Address (TEXT C368)

Name (TEXT C371)

Telephone: Area code/phone number/extension (TEXT C374)

FAX: Area code/phone number (TEXT C375)

Title (TEXT C372)

E-mail Address (TEXT C373)

FFIEC 031

Page ii

USA PATRIOT Act Section 314(a) Anti-Money Laundering Contact Information

This information is being requested to identify points-of-contact who are in charge of your depository institution’s Section 314(a) searches and

who could be contacted by federal law enforcement ofﬁ cers for additional information related to anti-terrorist ﬁ nancing and anti-money laundering.

Please provide information for a secondary contact if available. Enter “none’’ for the contact’s e-mail address or fax number if not available. USA

PATRIOT Act contact information is for the conﬁ dential use of the Agencies and the Financial Crimes Enforcement Network (FinCEN) and will

not be released to the public

ional information related to anti-terrorist ﬁ nancing and anti-money laundering.

Please provide information for a secondary contact if available. Enter “none’’ for the contact’s e-mail address or fax number if not available. USA

PATRIOT Act contact information is for the conﬁ dential use of the Agencies and the Financial Crimes Enforcement Network (FinCEN) and will

not be released to the public.

Name (TEXT C437)

Telephone: Area code/phone number/extension (TEXT C440)

FAX: Area code/phone number (TEXT C441)

Title (TEXT C438)

Primary Contact

Secondary Contact

E-mail Address (TEXT C439)

Name (TEXT C442)

Telephone: Area code/phone number/extension (TEXT C445)

FAX: Area code/phone number (TEXT C446)

Title (TEXT C443)

E-mail Address (TEXT C444)

4011

4024

4012

B485

B486

4056

B487

4059

4010

4065

4115

B488

B489

4060

4069

4020

4518

4107

4508

0093

A517

A518

4172

4180

4185

FFIEC 031

Page RI-1

Legal Title of Bank

City

State

Zip Code

FDIC Certiﬁ cate Number

Consolidated Report of Income

for the period January 1, 2003–March 31, 2003

All Report of Income schedules are to be reported on a calendar year-to-date basis in thousands of dollars.

Schedule RI—Income Statement

Dollar Amounts in Thousands

1. Interest income:

a. Interest and fee income on loans:

(1) In domestic ofﬁ ces:

(a) Loans secured by real estate ..........................................................................................

(b) Loans to ﬁ nance agricultural production and other loans to farmers ...............................

(c) Commercial and industrial loans .....................................................................................

and fee income on loans:

(1) In domestic ofﬁ ces:

(a) Loans secured by real estate ..........................................................................................

(b) Loans to ﬁ nance agricultural production and other loans to farmers ...............................

(c) Commercial and industrial loans .....................................................................................

(d) Loans to individuals for household, family, and other personal expenditures:

(1) Credit cards................................................................................................................

(2) Other (includes single payment, installment, all student loans, and revolving credit

plans other than credit cards).....................................................................................

(e) Loans to foreign governments and ofﬁ cial institutions......................................................

(f) All other loans in domestic ofﬁ ces ....................................................................................

(2) In foreign ofﬁ ces, Edge and Agreement subsidiaries, and IBFs .............................................

(3) Total interest and fee income on loans (sum of items 1.a.(1)(a) through 1.a.(2)) ...................

b. Income from lease ﬁ nancing receivables ......................................................................................

c. Interest income on balances due from depository institutions1.....................................................

d. Interest and dividend income on securities:

(1) U.S. Treasury securities and U.S. Government agency obligations (excluding

mortgage-backed securities) ..................................................................................................

(2) Mortgage-backed securities....................................................................................................

...............

d. Interest and dividend income on securities:

(1) U.S. Treasury securities and U.S. Government agency obligations (excluding

mortgage-backed securities) ..................................................................................................

(2) Mortgage-backed securities....................................................................................................

(3) All other securities (includes securities issued by states and political subdivisions in the

U.S.)........................................................................................................................................

e. Interest income from trading assets ..............................................................................................

f. Interest income on federal funds sold and securities purchased under agreements to resell.......

g. Other interest income....................................................................................................................

h. Total interest income (sum of items 1.a.(3) through 1.g)...............................................................

2. Interest expense:

a. Interest on deposits:

(1) Interest on deposits in domestic ofﬁ ces:

(a) Transaction accounts (NOW accounts, ATS accounts, and telephone and

preauthorized transfer accounts)......................................................................................

(b) Nontransaction accounts:

(1) Savings deposits (includes MMDAs)..........................................................................

(2) Time deposits of $100,000 or more ...........................................................................

(3) Time deposits of less than $100,000 .........................................................................

...............................

(b) Nontransaction accounts:

(1) Savings deposits (includes MMDAs)..........................................................................

(2) Time deposits of $100,000 or more ...........................................................................

(3) Time deposits of less than $100,000 .........................................................................

(2) Interest on deposits in foreign ofﬁ ces, Edge and Agreement subsidiaries, and IBFs .............

b. Expense of federal funds purchased and securities sold under agreements to repurchase.........

c. Interest on trading liabilities and other borrowed money...............................................................

1 Includes interest income on time certiﬁ cates of deposit not held for trading.

1.a.(1)(a)

1.a.(1)(b)

1.a.(1)(c)

1.a.(1)(d)(1)

1.a.(1)(d)(2)

1.a.(1)(e)

1.a.(1)(f)

1.a.(2)

1.a.(3)

1.b.

1.c.

1.d.(1)

1.d.(2)

1.d.(3)

1.e.

1.f.

1.g.

1.h.

2.a.(1)(a)

2.a.(1)(b)(1)

2.a.(1)(b)(2)

2.a.(1)(b)(3)

2.a.(2)

2.b.

2.c.

RIAD

Bil

Mil

Thou

4200

4073

4070

4080

A220

B490

B491

B492

B493

C386

C387

5416

5415

B496

B497

4135

4217

C216

C232

4092

FFIEC 031

Page RI-2

Schedule RI—Continued

Dollar Amounts in Thousands

Year-to-date

2. Interest expense (continued):

d. Interest on subordinated notes and debentures......................................

e. Total interest expense (sum of items 2.a through 2.d) ............................

3. Net interest income (item 1.h minus 2.e) .....................................................

4. Provision for loan and lease losses..............................................................

5. Noninterest income:

a. Income from ﬁ duciary activities1..............................................................

b. Service charges on deposit accounts in domestic ofﬁ ces.......................

c. Trading revenue2 .....................................................................................

for loan and lease losses..............................................................

5. Noninterest income:

a. Income from ﬁ duciary activities1..............................................................

b. Service charges on deposit accounts in domestic ofﬁ ces.......................

c. Trading revenue2 .....................................................................................

d. Investment banking, advisory, brokerage, and underwriting fees and

commissions............................................................................................

e. Venture capital revenue...........................................................................

f. Net servicing fees....................................................................................

g. Net securitization income ........................................................................

h. (1) Insurance and reinsurance underwriting income........................

(2) Income from other insurance activities ........................................

i. Net gains (losses) on sales of loans and leases .....................................

j. Net gains (losses) on sales of other real estate owned...........................

k. Net gains (losses) on sales of other assets (excluding securities)..........

l. Other noninterest income*.......................................................................

m. Total noninterest income (sum of items 5.a through 5.l)..........................

6. a. Realized gains (losses) on held-to-maturity securities............................

b. Realized gains (losses) on available-for-sale securities..........................

7. Noninterest expense:

a. Salaries and employee beneﬁ ts ..............................................................

b. Expenses of premises and ﬁ xed assets (net of rental income)

(excluding salaries and employee beneﬁ ts and mortgage interest) ........

c. (1) Goodwill impairment losses ..............................................................

-sale securities..........................

7. Noninterest expense:

a. Salaries and employee beneﬁ ts ..............................................................

b. Expenses of premises and ﬁ xed assets (net of rental income)

(excluding salaries and employee beneﬁ ts and mortgage interest) ........

c. (1) Goodwill impairment losses ..............................................................

(2) Amortization expense and impairment losses for other

intangible assets ...............................................................................

d. Other noninterest expense*.....................................................................

e. Total noninterest expense (sum of items 7.a through 7.d) ......................

8. Income (loss) before income taxes and extraordinary items and other

adjustments (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e)..............

9. Applicable income taxes (on item 8) ............................................................

10. Income (loss) before extraordinary items and other adjustments

(item 8 minus item 9)....................................................................................

11. Extraordinary items and other adjustments, net of income taxes*...............

12. Net income (loss) (sum of items 10 and 11) ................................................

* Describe on Schedule RI-E—Explanations

1 For banks required to complete Schedule RC-T, items 12 through 19, income from ﬁ duciary activities reported in Schedule RI, item 5.a, must equal the

amount reported in Schedule RC-T, item 19.

2 For banks required to complete Schedule RI, Memorandum item 8, trading revenue reported in Schedule RI, item 5.c, must equal the

sum of Memorandum items 8.a through 8.d.

2.d.

2.e.

5.a.

5.b.

5.c.

5.d.

5.e.

5.f.

5.g.

5.h.(1)

5.h.(2)

5.i.

5.j.

5.k.

5.l.

7.a.

7.b.

7.c.(1)

7.c.(2)

7.d.

RIAD

Bil

Mil

Thou

4074

4230

4093

4301

4302

5.m.

6.a.

6.b.

7.e.

10.

11.

12.

4079

3521

3196

4300

4320

4340

em 8, trading revenue reported in Schedule RI, item 5.c, must equal the

sum of Memorandum items 8.a through 8.d.

2.d.

2.e.

5.a.

5.b.

5.c.

5.d.

5.e.

5.f.

5.g.

5.h.(1)

5.h.(2)

5.i.

5.j.

5.k.

5.l.

7.a.

7.b.

7.c.(1)

7.c.(2)

7.d.

RIAD

Bil

Mil

Thou

4074

4230

4093

4301

4302

5.m.

6.a.

6.b.

7.e.

10.

11.

12.

4079

3521

3196

4300

4320

4340

4513

8431

4313

4507

8761

8762

8763

A251

FFIEC 031

Page RI-3

Legal Title of Bank

FDIC Certiﬁ cate Number

Schedule RI—Continued

Dollar Amounts in Thousands

M.1.

M.2.

M.3.

M.4.

M.5.

M.7.

RIAD

Bil

Mil

Thou

Memoranda

Number

4150

RIAD

Bil

Mil

Thou

YES

Year-to-date

1. Interest expense incurred to carry tax-exempt securities, loans, and leases acquired

after August 7, 1986, that is not deductible for federal income tax purposes.....................................

2. Income from the sale and servicing of mutual funds and annuities in domestic ofﬁ ces

(included in Schedule RI, item 8) .......................................................................................................

3. Income on tax-exempt loans and leases to states and political subdivisions in the U.S.

(included in Schedule RI, items 1.a and 1.b) .....................................................................................

4. Income on tax-exempt securities issued by states and political subdivisions in the U.S.

(included in Schedule RI, item 1.d.(3))...............................................................................................

5. Number of full-time equivalent employees at end of current period (round to nearest

whole number) ...................................................................................................................................

6. Not applicable

he U.S.

(included in Schedule RI, item 1.d.(3))...............................................................................................

5. Number of full-time equivalent employees at end of current period (round to nearest

whole number) ...................................................................................................................................

6. Not applicable

7. If the reporting bank has restated its balance sheet as a result of applying push down

accounting this calendar year, report the date of the bank’s acquisition1 .................................

1 For example, a bank acquired on June 1, 2001, would report 20010601.

9106

M.9.a.

M.9.b.

M.9.c.

M.10.

M.11.

8. Trading revenue (from cash instruments and derivative instruments) (sum of Memorandum

items 8.a through 8.d must equal Schedule RI, item 5.c) (To be completed by banks that

reported average trading assets (Schedule RC-K, item 7) of $2 million or more for any

quarter of the preceding calendar year.):

a. Interest rate exposures..................................................................................................................

b. Foreign exchange exposures........................................................................................................

c. Equity security and index exposures.............................................................................................

d. Commodity and other exposures ..................................................................................................

11. Does the reporting bank have a Subchapter S election in effect for federal income tax purposes

for the current tax year?.....................................................................................................................

8757

8758

8759

8760

M.8.a.

M.8.b.

M.8.c.

M.8.d.

RIAD

Bil

Mil

Thou

9. Impact on income of derivatives held for purposes other than trading:

.....

11. Does the reporting bank have a Subchapter S election in effect for federal income tax purposes

for the current tax year?.....................................................................................................................

8757

8758

8759

8760

M.8.a.

M.8.b.

M.8.c.

M.8.d.

RIAD

Bil

Mil

Thou

9. Impact on income of derivatives held for purposes other than trading:

a. Net increase (decrease) to interest income...................................................................................

b. Net (increase) decrease to interest expense.................................................................................

c. Other (noninterest) allocations ......................................................................................................

10. Credit losses on derivatives (see instructions)...................................................................................

A530

3582

3583

3584

3585

5411

5412

C234

C217

C235

C218

3588

3589

3590

3591

B512

B513

4653

4663

4654

4664

4655

4665

4645

4617

4646

4618

3217

B507

B508

4340

B509

B510

4356

4470

4460

B511

4415

3210

FFIEC 031

Page RI-4

Schedule RI-A—Changes in Equity Capital

Dollar Amounts in Thousands

1. Total equity capital most recently reported for the December 31, 2002, Reports of Condition

and Income (i.e., after adjustments from amended Reports of Income)............................................

2. Restatements due to corrections of material accounting errors and changes in

accounting principles* ........................................................................................................................

3. Balance end of previous calendar year as restated (sum of items 1 and 2) ......................................

4. Net income (loss) (must equal Schedule RI, item 12)........................................................................

anges in

accounting principles* ........................................................................................................................

3. Balance end of previous calendar year as restated (sum of items 1 and 2) ......................................

4. Net income (loss) (must equal Schedule RI, item 12)........................................................................

5. Sale, conversion, acquisition, or retirement of capital stock, net (excluding treasury stock trans-

actions)...............................................................................................................................................

6. Treasury stock transactions, net.........................................................................................................

7. Changes incident to business combinations, net...............................................................................

8. LESS: Cash dividends declared on preferred stock...........................................................................

9. LESS: Cash dividends declared on common stock............................................................................

10. Other comprehensive income1 ...........................................................................................................

11. Other transactions with parent holding company* (not included in items 5, 6, 8, or 9 above) ...........

12. Total equity capital end of current period (sum of items 3 through 11) (must equal

Schedule RC, item 28).......................................................................................................................

11.

12.

RIAD

Bil

Mil

Thou

Indicate decreases and losses in parentheses.

* Describe on Schedule RI-E—Explanations

ve) ...........

12. Total equity capital end of current period (sum of items 3 through 11) (must equal

Schedule RC, item 28).......................................................................................................................

11.

12.

RIAD

Bil

Mil

Thou

Indicate decreases and losses in parentheses.

* Describe on Schedule RI-E—Explanations.

1 Includes changes in net unrealized holding gains (losses) on available-for-sale securities, changes in accumulated net gains (losses) on cash ﬂ ow hedges,

foreign currency translation adjustments, and changes in minimum pension liability adjustments.

Schedule RI-B— Charge-offs and Recoveries on Loans and Leases

and Changes in Allowance for Loan and Lease Losses

Part I. Charge-offs and Recoveries on Loans and Leases

Part I includes charge-offs and recoveries through

the allocated transfer risk reserve.

Dollar Amounts in Thousands

1. Loans secured by real estate:

a. Construction, land development, and other land loans in domestic

ofﬁ ces......................................................................................................

b. Secured by farmland in domestic ofﬁ ces.................................................

c. Secured by 1–4 family residential properties in domestic ofﬁ ces:

(1) Revolving, open-end loans secured by 1–4 family residential

properties and extended under lines of credit...................................

(2) Closed-end loans secured by 1–4 family residential properties:

(a) Secured by ﬁ rst liens ..................................................................

........................

c. Secured by 1–4 family residential properties in domestic ofﬁ ces:

(1) Revolving, open-end loans secured by 1–4 family residential

properties and extended under lines of credit...................................

(2) Closed-end loans secured by 1–4 family residential properties:

(a) Secured by ﬁ rst liens ..................................................................

(b) Secured by junior liens ...............................................................

d. Secured by multifamily (5 or more) residential properties in

domestic ofﬁ ces.......................................................................................

e. Secured by nonfarm nonresidential properties in domestic ofﬁ ces .........

f. In foreign ofﬁ ces ......................................................................................

2. Loans to depository institutions and acceptances of other banks:

a. To U.S. banks and other U.S. depository institutions ...............................

b. To foreign banks ......................................................................................

3. Loans to ﬁ nance agricultural production and other loans to farmers ...........

4. Commercial and industrial loans:

a. To U.S. addressees (domicile) .................................................................

b. To non-U.S. addressees (domicile)..........................................................

1.a.

1.b.

1.c.(1)

1.c.(2)(a)

1.c.(2)(b)

1.d.

1.e.

1.f.

2.a.

2.b.

4.a.

4.b.

RIAD

Bil

Mil

Thou

RIAD

Bil

Mil

Thou

Calendar year-to-date

(Column A)

Charge-offs1

(Column B)

Recoveries

1 Include write-downs arising from transfers of loans to a held-for-sale account.

..................

b. To non-U.S. addressees (domicile)..........................................................

1.a.

1.b.

1.c.(1)

1.c.(2)(a)

1.c.(2)(b)

1.d.

1.e.

1.f.

2.a.

2.b.

4.a.

4.b.

RIAD

Bil

Mil

Thou

RIAD

Bil

Mil

Thou

Calendar year-to-date

(Column A)

Charge-offs1

(Column B)

Recoveries

1 Include write-downs arising from transfers of loans to a held-for-sale account.

FFIEC 031

Page RI-5

Legal Title of Bank

FDIC Certiﬁ cate Number

3. Not applicable

Memorandum item 4 is to be completed by banks that (1) together with afﬁ liated institutions,

have outstanding credit card receivables (as deﬁ ned in the instructions) that exceed

$500 million as of the report date or (2) are credit card specialty banks as deﬁ ned for

Uniform Bank Performance Report purposes.

4. Uncollectible retail credit card fees and ﬁ nance charges reversed against income

(i.e., not included in charge-offs against the allowance for loan and lease losses).................. C388

5409

5410

4652

4662

B514

B515

B516

B517

4643

4627

4644

4628

4658

4668

4659

4669

4635

4605

Schedule RI-B—Continued

Part I. Continued

Dollar Amounts in Thousands

1. Loans to ﬁ nance commercial real estate, construction, and land

development activities (not secured by real estate) included in

Schedule RI-B, part I, items 4 and 7, above ................................................

2. Loans secured by real estate to non-U.S. addressees (domicile)

(included in Schedule RI-B, part I, item 1, above)........................................

M.1.

M.2.

RIAD

Bil

Mil

Thou

RIAD

Bil

Mil

Thou

Calendar year-to-date

(Column A)

Charge-offs1

(Column B)

Recoveries

Memoranda

Dollar Amounts in Thousands

5. Loans to individuals for household, family, and other personal

expenditures:

a. Credit cards .............................................................................................

above)........................................

M.1.

M.2.

RIAD

Bil

Mil

Thou

RIAD

Bil

Mil

Thou

Calendar year-to-date

(Column A)

Charge-offs1

(Column B)

Recoveries

Memoranda

Dollar Amounts in Thousands

5. Loans to individuals for household, family, and other personal

expenditures:

a. Credit cards .............................................................................................

b. Other (includes single payment, installment, all student loans, and

revolving credit plans other than credit cards).........................................

6. Loans to foreign governments and ofﬁ cial institutions .................................

7. All other loans ..............................................................................................

8. Lease ﬁ nancing receivables:

a. To U.S. addressees (domicile) .................................................................

b. To non-U.S. addressees (domicile)..........................................................

9. Total (sum of items 1 through 8)...................................................................

5.a.

5.b.

8.a.

8.b.

RIAD

Bil

Mil

Thou

RIAD

Bil

Mil

Thou

Calendar year-to-date

(Column A)

Charge-offs1

(Column B)

Recoveries

1 Include write-downs arising from transfers of loans to a held-for-sale account.

M.4.

RIAD

Bil

Mil

Thou

Calendar year-to-date

C435

C389

C390

B523

B524

B525

4097

4235

4239

4843

4844

4845

4846

4797

4341

1. Allocated transfer risk reserve included in Schedule RI-B, part II, item 7, above.....................

Memorandum items 2 and 3 are to be completed by banks that (1) together with afﬁ liated

institutions, have outstanding credit card receivables (as deﬁ ned in the instructions) that

exceed $500 million as of the report date or (2) are credit card specialty banks as deﬁ ned for

Uniform Bank Performance Report purposes.

2. Separate valuation allowance for uncollectible retail credit card fees and ﬁ nance charges...

3 are to be completed by banks that (1) together with afﬁ liated

institutions, have outstanding credit card receivables (as deﬁ ned in the instructions) that

exceed $500 million as of the report date or (2) are credit card specialty banks as deﬁ ned for

Uniform Bank Performance Report purposes.

2. Separate valuation allowance for uncollectible retail credit card fees and ﬁ nance charges...

3. Amount of allowance for loan and lease losses attributable to retail credit card fees and

ﬁ nance charges...............................................................................................................................

FFIEC 031

Page RI-6

Schedule RI-D—Income from International Operations

For all banks with foreign ofﬁ ces, Edge or Agreement subsidiaries, or IBFs where international operations account

for more than 10 percent of total revenues, total assets, or net income.

Dollar Amounts in Thousands

1. Interest income and expense attributable to international operations:

a. Gross interest income ...................................................................................................................

b. Gross interest expense .................................................................................................................

2. Net interest income attributable to international operations (item 1.a minus 1.b.) .............................

3. Noninterest income and expense attributable to international operations:

a. Noninterest income attributable to international operations ..........................................................

b. Provision for loan and lease losses attributable to international operations..................................

c. Other noninterest expense attributable to international operations...............................................

nse attributable to international operations:

a. Noninterest income attributable to international operations ..........................................................

b. Provision for loan and lease losses attributable to international operations..................................

c. Other noninterest expense attributable to international operations...............................................

d. Net noninterest income (expense) attributable to international operations (item 3.a minus

3.b and 3.c) ...................................................................................................................................

4. Estimated pretax income attributable to international operations before capital allocation

adjustment (sum of items 2 and 3.d)..................................................................................................

5. Adjustment to pretax income for internal allocations to international operations to reﬂ ect

the effects of equity capital on overall bank funding costs.................................................................

6. Estimated pretax income attributable to international operations after capital allocation

adjustment (sum of items 4 and 5).....................................................................................................

7. Income taxes attributable to income from international operations as estimated in item 6................

8. Estimated net income attributable to international operations (item 6 minus 7).................................

1.a.

1.b.

3.a.

3.b.

3.c.

3.d.

RIAD

Bil

Mil

Thou

Year-to-date

Part II. Changes in Allowance for Loan and Lease Losses

Dollar Amounts in Thousands

1. Balance most recently reported for the December 31, 2002, Reports of Condition and

Income (i.e., after adjustments from amended Reports of Income)...................................................

...............

1.a.

1.b.

3.a.

3.b.

3.c.

3.d.

RIAD

Bil

Mil

Thou

Year-to-date

Part II. Changes in Allowance for Loan and Lease Losses

Dollar Amounts in Thousands

1. Balance most recently reported for the December 31, 2002, Reports of Condition and

Income (i.e., after adjustments from amended Reports of Income)...................................................

2. Recoveries (must equal part I, item 9, column B, above)...................................................................

3. LESS: Charge-offs (must equal part I, item 9, column A, above less Schedule RI-B,

part II, item 4).....................................................................................................................................

4. LESS: Write-downs arising from transfers of loans to a held-for-sale account ..................................

5. Provision for loan and lease losses (must equal Schedule RI, item 4) ..............................................

6. Adjustments* (see instructions for this schedule) ..............................................................................

7. Balance end of current period (sum of items 1, 2, 5, and 6, less items 3 and 4)

(must equal Schedule RC, item 4.c) ..................................................................................................

RIAD

Bil

Mil

Thou

* Describe on Schedule RI-E—Explanations.

B522

4605

C079

5523

4230

C233

3123

Dollar Amounts in Thousands

M.1.

M.2.

M.3.

RIAD

Bil

Mil

Thou

Memoranda

Schedule RI-B—Continued

5, and 6, less items 3 and 4)

(must equal Schedule RC, item 4.c) ..................................................................................................

RIAD

Bil

Mil

Thou

* Describe on Schedule RI-E—Explanations.

B522

4605

C079

5523

4230

C233

3123

Dollar Amounts in Thousands

M.1.

M.2.

M.3.

RIAD

Bil

Mil

Thou

Memoranda

Schedule RI-B—Continued

FFIEC 031

Page RI-7

C013

C014

C016

4042

C015

4461

4462

4463

C017

0497

4136

C018

8403

4141

4146

4464

4467

4468

4469

4487

4489

Legal Title of Bank

FDIC Certiﬁ cate Number

Schedule RI-E—Explanations

Schedule RI-E is to be completed each quarter on a calendar year-to-date basis.

Detail all adjustments in Schedule RI-A and RI-B, all extraordinary items and other adjustments in Schedule RI, and all

signiﬁ cant items of other noninterest income and other noninterest expense in Schedule RI. (See instructions for details.)

Dollar Amounts in Thousands

1. Other noninterest income (from Schedule RI, item 5.l)......................................................................

Itemize and describe amounts that exceed 1% of the sum of Schedule RI,

items 1.h and 5.m:

2. Other noninterest expense (from Schedule RI, item 7.d)

Itemize and describe amounts that exceed 1% of the sum of Schedule RI,

items 1.h and 5.m:

3. Extraordinary items and other adjustments and applicable income tax effect (from Schedule RI,

item 11) (itemize and describe all extraordinary items and other adjustments):

a. (1)

(2) Applicable income tax effect

b. (1)

(2) Applicable income tax effect

c. (1)

tem 7.d)

Itemize and describe amounts that exceed 1% of the sum of Schedule RI,

items 1.h and 5.m:

3. Extraordinary items and other adjustments and applicable income tax effect (from Schedule RI,

item 11) (itemize and describe all extraordinary items and other adjustments):

a. (1)

(2) Applicable income tax effect

b. (1)

(2) Applicable income tax effect

c. (1)

(2) Applicable income tax effect

1.a.

1.b.

1.c.

1.d.

1.e.

1.f.

1.g.

1.h.

2.a.

2.b.

2.c.

2.d.

2.e.

2.f.

2.g.

2.h.

2.i.

2.j.

3.a.(1)

3.a.(2)

3.b.(1)

3.b.(2)

3.c.(1)

3.c.(2)

RIAD

Bil

Mil

Thou

Year-to-date

TEXT

4487

TEXT

4489

4486

4488

4491

Income and fees from the printing and sale of checks

Earnings on/increase in value of cash surrender value of life insurance

Income and fees from automated teller machines (ATMs)

Rent and other income from other real estate owned

Safe deposit box rent

Data processing expenses

Advertising and marketing expenses

Directors’ fees

Printing, stationery, and supplies

Postage

Legal fees and expenses

FDIC deposit insurance assessments

TEXT

4461

TEXT

4462

TEXT

4463

TEXT

4464

TEXT

4467

TEXT

4468

TEXT

4469

FFIEC 031

Page RI-8

B526

B527

4498

4499

4521

4522

Schedule RI-E—Continued

Dollar Amounts in Thousands

4. Restatements due to corrections of material accounting errors and changes in accounting

principles (from Schedule RI-A, item 2) (itemize and describe all restatements):

5. Other transactions with parent holding company (from Schedule RI-A, item 11)

(itemize and describe all such transactions):

6. Adjustments to allowance for loan and lease losses (from Schedule RI-B,

part II, item 6) (itemize and describe all adjustments):

7. Other explanations (the space below is provided for the bank to brieﬂ y describe, at its

option, any other signiﬁ cant items affecting the Report of Income):

No comment

Other explanations (please type or print clearly):

4.a.

4.b.

5.a.

5.b.

6.a.

6.b

Adjustments to allowance for loan and lease losses (from Schedule RI-B,

part II, item 6) (itemize and describe all adjustments):

7. Other explanations (the space below is provided for the bank to brieﬂ y describe, at its

option, any other signiﬁ cant items affecting the Report of Income):

No comment

Other explanations (please type or print clearly):

4.a.

4.b.

5.a.

5.b.

6.a.

6.b.

RIAD

Bil

Mil

Thou

Year-to-date

TEXT

B526

TEXT

B527

TEXT

4498

TEXT

4499

TEXT

4521

TEXT

4522

(RIAD 4769)

(TEXT 4769)

0081

0071

1754

1773

B987

B989

RCFD

5369

B529

3545

2145

2150

2130

2155

3163

0426

2160

2170

FFIEC 031

Page RC-1

Legal Title of Bank

City

State

Zip Code

FDIC Certiﬁ cate Number

Consolidated Report of Condition for Insured Commercial

and State-Chartered Savings Banks for March 31, 2003

All schedules are to be reported in thousands of dollars. Unless otherwise indicated,

report the amount outstanding as of the last business day of the quarter.

Schedule RC—Balance Sheet

Dollar Amounts in Thousands

ASSETS

1. Cash and balances due from depository institutions (from Schedule RC-A):

a. Noninterest-bearing balances and currency and coin1 .................................................................

b. Interest-bearing balances2 ............................................................................................................

2. Securities:

a. Held-to-maturity securities (from Schedule RC-B, column A) .......................................................

b. Available-for-sale securities (from Schedule RC-B, column D) .....................................................

3. Federal funds sold and securities purchased under agreements to resell:

a. Federal funds sold in domestic ofﬁ ces ................................................................................

b. Securities purchased under agreements to resell3 .............................................................

4. Loans and lease ﬁ nancing receivables (from Schedule RC-C):

.....................

3. Federal funds sold and securities purchased under agreements to resell:

a. Federal funds sold in domestic ofﬁ ces ................................................................................

b. Securities purchased under agreements to resell3 .............................................................

4. Loans and lease ﬁ nancing receivables (from Schedule RC-C):

a. Loans and leases held for sale......................................................................................................

b. Loans and leases, net of unearned income ............................................

c. LESS: Allowance for loan and lease losses ............................................

d. Loans and leases, net of unearned income and allowance (item 4.b minus 4.c)..........................

5. Trading assets (from Schedule RC-D) ...............................................................................................

6. Premises and ﬁ xed assets (including capitalized leases) ..................................................................

7. Other real estate owned (from Schedule RC-M)................................................................................

8. Investments in unconsolidated subsidiaries and associated companies (from Schedule RC-M) ......

9. Customers’ liability to this bank on acceptances outstanding ............................................................

10. Intangible assets:

a. Goodwill.........................................................................................................................................

b. Other intangible assets (from Schedule RC-M).............................................................................

11. Other assets (from Schedule RC-F)...................................................................................................

12. Total assets (sum of items 1 through 11) ..........................................................................................

b. Other intangible assets (from Schedule RC-M).............................................................................

11. Other assets (from Schedule RC-F)...................................................................................................

12. Total assets (sum of items 1 through 11) ...........................................................................................

1 Includes cash items in process of collection and unposted debits.

2 Includes time certiﬁ cates of deposit not held for trading.

3 Includes all securities resale agreements in domestic and foreign ofﬁ ces, regardless of maturity.

1.a.

1.b.

2.a.

2.b.

3.a.

3.b.

4.a.

4.b.

4.c.

4.d.

10.a.

10.b.

11.

12.

RCFD

Bil

Mil

Thou

B528

3123

RCON

RCFD

RCON

2200

RCFN

2200

B993

B995

3548

RCFD

3190

2920

3200

2930

2948

3000

3838

3230

3839

3632

B530

A130

3210

3300

FFIEC 031

Page RC-2

Schedule RC—Continued

Dollar Amounts in Thousands

LIABILITIES

13. Deposits:

a. In domestic ofﬁ ces (sum of totals of columns A and C from Schedule RC-E,

part I).............................................................................................................................................

(1) Noninterest-bearing1...............................................................

(2) Interest-bearing.......................................................................

b. In foreign ofﬁ ces, Edge and Agreement subsidiaries, and IBFs

(from Schedule RC-E, part II)........................................................................................................

(1) Noninterest-bearing ................................................................

...................

(2) Interest-bearing.......................................................................

b. In foreign ofﬁ ces, Edge and Agreement subsidiaries, and IBFs

(from Schedule RC-E, part II)........................................................................................................

(1) Noninterest-bearing ................................................................

(2) Interest-bearing.......................................................................

14. Federal funds purchased and securities sold under agreements to repurchase:

a. Federal funds purchased in domestic ofﬁ ces2.....................................................................

b. Securities sold under agreements to repurchase3 ..............................................................

15. Trading liabilities (from Schedule RC-D) ..................................................................................

16. Other borrowed money (includes mortgage indebtedness and obligations under

capitalized leases) (from Schedule RC-M).........................................................................................

17. Not applicable

18. Bank’s liability on acceptances executed and outstanding.................................................................

19. Subordinated notes and debentures4 ................................................................................................

20. Other liabilities (from Schedule RC-G)...............................................................................................

21. Total liabilities (sum of items 13 through 20)......................................................................................

22. Minority interest in consolidated subsidiaries.....................................................................................

EQUITY CAPITAL

23. Perpetual preferred stock and related surplus ...................................................................................

um of items 13 through 20)......................................................................................

22. Minority interest in consolidated subsidiaries.....................................................................................

EQUITY CAPITAL

23. Perpetual preferred stock and related surplus ...................................................................................

24. Common stock ...................................................................................................................................

25. Surplus (exclude all surplus related to preferred stock).....................................................................

26. a. Retained earnings .........................................................................................................................

b. Accumulated other comprehensive income5.................................................................................

27. Other equity capital components6......................................................................................................

28. Total equity capital (sum of items 23 through 27)...............................................................................

29. Total liabilities, minority interest, and equity capital (sum of items 21, 22, and 28)............................

1 Includes total demand deposits and noninterest-bearing time and savings deposits.

2 Report overnight Federal Home Loan Bank advances in Schedule RC, item 16, “Other borrowed money.”

3 Includes all securities repurchase agreements in domestic and foreign ofﬁ ces, regardless of maturity.

4 Includes limited-life preferred stock and related surplus.

5 Includes net unrealized holding gains (losses) on available-for-sale securities, accumulated net gains (losses) on cash ﬂ ow hedges, cumulative foreign

currency translation adjustments, and minimum pension liability adjustments.

6 Includes treasury stock and unearned Employee Stock Ownership Plan shares.

Bil

Mil

Thou

13.a.

13.a.(1)

13.a.(2)

13.b

d-life preferred stock and related surplus.

5 Includes net unrealized holding gains (losses) on available-for-sale securities, accumulated net gains (losses) on cash ﬂ ow hedges, cumulative foreign

currency translation adjustments, and minimum pension liability adjustments.

6 Includes treasury stock and unearned Employee Stock Ownership Plan shares.

Bil

Mil

Thou

13.a.

13.a.(1)

13.a.(2)

13.b.

13.b.(1)

13.b.(2)

14.a.

14.b.

15.

16.

18.

19.

20.

21.

22.

23.

24.

25.

26.a.

26.b.

27.

28.

29.

RCON 6631

RCON 6636

RCFN 6631

RCFN 6636

Memorandum

To be reported with the March Report of Condition.

1. Indicate in the box at the right the number of the statement below that best describes the

most comprehensive level of auditing work performed for the bank by independent external

auditors as of any date during 2002.............................................................................................................

RCFD

Number

6724

M.1.

1 = Independent audit of the bank conducted in accordance with

generally accepted auditing standards by a certiﬁ ed public

accounting ﬁ rm which submits a report on the bank

2 = Independent audit of the bank’s parent holding company con-

ducted in accordance with generally accepted auditing standards

by a certiﬁ ed public accounting ﬁ rm which submits a report on the

consolidated holding company (but not on the bank separately)

3 = Attestation on bank management’s assertion on the effectiveness

of the bank’s internal control over ﬁ nancial reporting by a

certiﬁ ed public accounting ﬁ rm

4 = Directors’ examination of the bank conducted in accordance with

generally accepted auditing standards by a certiﬁ ed public

accounting ﬁ rm (may be required by state chartering authority)

5 = Directors’ examination of the bank performed by other external

auditors (may be required by state chartering authority)

6 = Review of the bank’s ﬁ nancial statements by external auditors

7 = Compilation of the bank’s ﬁ nancial statements by external

auditors

8 = Other audit procedures (e

auditing standards by a certiﬁ ed public

accounting ﬁ rm (may be required by state chartering authority)

5 = Directors’ examination of the bank performed by other external

auditors (may be required by state chartering authority)

6 = Review of the bank’s ﬁ nancial statements by external auditors

7 = Compilation of the bank’s ﬁ nancial statements by external

auditors

8 = Other audit procedures (excluding tax preparation work)

9 = No external audit work

RCON

RCFD

0211

0213

1286

1287

1289

1290

1291

1293

1294

1295

1297

1298

8496

8497

8498

8499

0022

0020

0080

0082

0083

0085

0070

0073

0074

0090

0010

FFIEC 031

Page RC-3

Legal Title of Bank

FDIC Certiﬁ cate Number

Schedule RC-A—Cash and Balances Due From Depository Institutions

Exclude assets held for trading.

Dollar Amounts in Thousands

1. Cash items in process of collection, unposted debits, and currency and

coin...............................................................................................................

a. Cash items in process of collection and unposted debits........................

b. Currency and coin ...................................................................................

2. Balances due from depository institutions in the U.S...................................

a. U.S. branches and agencies of foreign banks (including their IBFs).......

b. Other commercial banks in the U.S. and other depository institutions in

the U.S. (including their IBFs) .................................................................

3. Balances due from banks in foreign countries and foreign central banks....

a. Foreign branches of other U.S. banks.....................................................

b. Other banks in foreign countries and foreign central banks....................

4. Balances due from Federal Reserve Banks.................................................

...............................................

3. Balances due from banks in foreign countries and foreign central banks....

a. Foreign branches of other U.S. banks.....................................................

b. Other banks in foreign countries and foreign central banks....................

4. Balances due from Federal Reserve Banks.................................................

5. Total (sum of items 1 through 4) (total of column A must equal

Schedule RC, sum of items 1.a and 1.b) .....................................................

1.a.

1.b.

2.a.

2.b.

3.a.

3.b.

RCFD

Bil

Mil

Thou RCON

Bil

Mil

Thou

(Column A)

Consolidated

Bank

(Column B)

Domestic

Ofﬁ ces

Schedule RC-B—Securities

Exclude assets held for trading.

Dollar Amounts in Thousands

1. U.S. Treasury securities..

2. U.S. Government agency

obligations (exclude

mortgage-backed

securities):

a. Issued by U.S. Gov-

ernment agencies1 .....

b. Issued by U.S.

Government-

sponsored agencies2..

3. Securities issued by

states and political

sub divisions in the U.S....

2.a.

2.b.

(Column C)

Amortized Cost

(Column D)

Fair Value

Available-for-sale

(Column A)

Amortized Cost

(Column B)

Fair Value

RCFD

Bil

Mil

Thou RCFD

Bil

Mil

Thou RCFD

Bil

Mil

Thou RCFD

Bil

Mil

Thou

Held-to-maturity

1 Includes Small Business Administration “Guaranteed Loan Pool Certiﬁ cates,” U.S. Maritime Administration obligations, and Export–Import Bank

participation certiﬁ cates.

2 Includes obligations (other than mortgage-backed securities) issued by the Farm Credit System, the Federal Home Loan Bank System, the Federal Home

Loan Mortgage Corporation, the Federal National Mortgage Association, the Financing Corporation, Resolution Funding Corporation, the Student Loan

Marketing Association, and the Tennessee Valley Authority.

t–Import Bank

participation certiﬁ cates.

2 Includes obligations (other than mortgage-backed securities) issued by the Farm Credit System, the Federal Home Loan Bank System, the Federal Home

Loan Mortgage Corporation, the Federal National Mortgage Association, the Financing Corporation, Resolution Funding Corporation, the Student Loan

Marketing Association, and the Tennessee Valley Authority.

1698

1699

1701

1702

1703

1705

1706

1707

1709

1710

1711

1713

1714

1715

1716

1717

1718

1719

1731

1732

1733

1734

1735

1736

B838

B839

B840

B841

B842

B843

B844

B845

B846

B847

B848

B849

B850

B851

B852

B853

B854

B855

B856

B857

B858

B859

B860

B861

1737

1738

1739

1741

1742

1743

1744

1746

A510

A511

1754

1771

1772

1773

FFIEC 031

Page RC-4

Schedule RC-B—Continued

Dollar Amounts in Thousands

4. Mortgage-backed

securities (MBS):

a. Pass-through

securities:

(1) Guaranteed by

GNMA ..................

(2) Issued by FNMA

and FHLMC..........

(3) Other pass-

through securities.

b. Other mortgage-

backed securities

(include CMOs,

REMICs, and stripped

MBS):

(1) Issued or guar-

anteed by FNMA,

FHLMC, or GNMA

(2) Collateralized by

MBS issued or

guaranteed by

FNMA, FHLMC,

or GNMA..............

(3) All other

mortgage-backed

securities..............

5. Asset-backed securities

(ABS):

a. Credit card

receivables .................

b. Home equity lines.......

c. Automobile loans........

d. Other consumer loans..

e. Commercial and

industrial loans ...........

f. Other ..........................

6. Other debt securities:

a. Other domestic debt

securities ....................

b. Foreign debt

securities ....................

7. Investments in mutual

funds and other equity

securities with readily

determinable fair values1

Home equity lines.......

c. Automobile loans........

d. Other consumer loans..

e. Commercial and

industrial loans ...........

f. Other ..........................

6. Other debt securities:

a. Other domestic debt

securities ....................

b. Foreign debt

securities ....................

7. Investments in mutual

funds and other equity

securities with readily

determinable fair values1

8. Total (sum of items 1

through 7) (total of

column A must equal

Schedule RC, item 2.a)

(total of column D must

equal Schedule RC,

item 2.b) ..........................

4.a.(1)

4.a.(2)

4.a.(3)

4.b.(1)

4.b.(2)

4.b.(3)

5.a.

5.b.

5.c.

5.d.

5.e.

5.f.

6.a.

6.b.

(Column C)

Amortized Cost

(Column D)

Fair Value

Available-for-sale

(Column A)

Amortized Cost

(Column B)

Fair Value

Held-to-maturity

RCFD

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Bil

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Bil

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1 Report Federal Reserve stock, Federal Home Loan Bank stock, and bankers’ bank stock in Schedule RC-F, item 4.

0416

A549

A550

A551

A552

A553

A554

A555

A556

A557

A558

A559

A560

A561

A562

A248

1778

8782

8783

Schedule RC-B—Continued

Memoranda

RCFD

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FFIEC 031

Page RC-5

Legal Title of Bank

FDIC Certiﬁ cate Number

1 Includes held-to-maturity securities at amortized cost and available-for-sale securities at fair value.

2 Exclude investments in mutual funds and other equity securities with readily determinable fair values.

3 Report ﬁ xed rate debt securities by remaining maturity and ﬂ oating rate debt securities by next repricing date

Thou

FFIEC 031

Page RC-5

Legal Title of Bank

FDIC Certiﬁ cate Number

1 Includes held-to-maturity securities at amortized cost and available-for-sale securities at fair value.

2 Exclude investments in mutual funds and other equity securities with readily determinable fair values.

3 Report ﬁ xed rate debt securities by remaining maturity and ﬂ oating rate debt securities by next repricing date.

4 Sum of Memorandum items 2.a.(1) through 2.a.(6) plus any nonaccrual debt securities in the categories of debt securities reported in

Memorandum item 2.a that are included in Schedule RC-N, item 9, column C, must equal Schedule RC-B, sum of items 1, 2, 3, 5, and 6,

columns A and D, plus mortgage pass-through securities other than those backed by closed-end ﬁ rst lien 1–4 family residential mortgages

included in Schedule RC-B, item 4.a, columns A and D.

5 Sum of Memorandum items 2.b.(1) through 2.b.(6) plus any nonaccrual mortgage pass-through securities backed by closed-end ﬁ rst lien

1–4 family residential mortgages included in Schedule RC-N, item 9, column C, must equal Schedule RC-B, item 4.a, sum of columns A

and D, less the amount of mortgage pass-through securities other than those backed by closed-end ﬁ rst lien 1–4 family residential mortgages

included in Schedule RC-B, item 4.a, columns A and D.

6 Sum of Memorandum items 2.c.(1) and 2.c.(2) plus any nonaccrual “Other mortgage-backed securities” included in Schedule RC-N, item 9,

column C, must equal Schedule RC-B, item 4.b, sum of columns A and D.

Dollar Amounts in Thousands

1. Pledged securities1 ............................................................................................................................

2. Maturity and repricing data for debt securities1, 2 (excluding those in nonaccrual status):

a. Securities issued by the U.S. Treasury, U.S

tem 9,

column C, must equal Schedule RC-B, item 4.b, sum of columns A and D.

Dollar Amounts in Thousands

1. Pledged securities1 ............................................................................................................................

2. Maturity and repricing data for debt securities1, 2 (excluding those in nonaccrual status):

a. Securities issued by the U.S. Treasury, U.S. Government agencies, and states and political

subdivisions in the U.S.; other non-mortgage debt securities; and mortgage pass-through

securities other than those backed by closed-end ﬁ rst lien 1–4 family residential mortgages

with a remaining maturity or next repricing date of: 3, 4

(1) Three months or less ..............................................................................................................

(2) Over three months through 12 months ...................................................................................

(3) Over one year through three years.........................................................................................

(4) Over three years through ﬁ ve years........................................................................................

(5) Over ﬁ ve years through 15 years............................................................................................

(6) Over 15 years .........................................................................................................................

b. Mortgage pass-through securities backed by closed-end ﬁ rst lien 1–4 family residential

mortgages with a remaining maturity or next repricing date of: 3, 5

(1) Three months or less ..............................................................................................................

(2) Over three months through 12 months ...................................................................................

(3) Over one year through three years.........................................................................................

date of: 3, 5

(1) Three months or less ..............................................................................................................

(2) Over three months through 12 months ...................................................................................

(3) Over one year through three years.........................................................................................

(4) Over three years through ﬁ ve years........................................................................................

(5) Over ﬁ ve years through 15 years............................................................................................

(6) Over 15 years .........................................................................................................................

c. Other mortgage-backed securities (include CMOs, REMICs, and stripped MBS; exclude

mortgage pass-through securities) with an expected average life of: 6

(1) Three years or less .................................................................................................................

(2) Over three years .....................................................................................................................

d. Debt securities with a REMAINING MATURITY of one year or less (included in

Memorandum items 2.a through 2.c above)..................................................................................

3. Amortized cost of held-to-maturity securities sold or transferred to available-for-sale or trading

securities during the calendar year-to-date (report the amortized cost at date of sale or transfer)....

4. Structured notes (included in the held-to-maturity and available-for-sale accounts in

Schedule RC-B, items 2, 3, 5, and 6):

a. Amortized cost...............................................................................................................................

for-sale or trading

securities during the calendar year-to-date (report the amortized cost at date of sale or transfer)....

4. Structured notes (included in the held-to-maturity and available-for-sale accounts in

Schedule RC-B, items 2, 3, 5, and 6):

a. Amortized cost...............................................................................................................................

b. Fair value.......................................................................................................................................

M.1.

M.2.a.(1)

M.2.a.(2)

M.2.a.(3)

M.2.a.(4)

M.2.a.(5)

M.2.a.(6)

M.2.b.(1)

M.2.b.(2)

M.2.b.(3)

M.2.b.(4)

M.2.b.(5)

M.2.b.(6)

M.2.c.(1)

M.2.c.(2)

M.2.d.

M.3.

M.4.a.

M.4.b.

1410

1415

1420

1797

5367

5368

1460

1480

B531

B532

B533

B534

B535

B536

B537

1590

1763

1764

B538

B539

2011

2081

2107

1563

1545

1564

2165

2182

2183

2123

2122

RCFD

Bil

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Thou RCON

Bil

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FFIEC 031

Page RC-6

Schedule RC-C—Loans and Lease Financing Receivables

Part I. Loans and Leases

Do not deduct the allowance for loan and lease losses or the allocated transfer risk reserve from amounts reported in this schedule.

Report (1) loans and leases held for sale at the lower of cost or market value and (2) loans and leases held for investment, net of

unearned income. Exclude assets held for trading and commercial paper.

Dollar Amounts in Thousands

1. Loans secured by real estate.......................................................................

a. Construction, land development, and other land loans ..........................

b. Secured by farmland (including farm residential and other

improvements).........................................................................................

c. Secured by 1–4 family residential properties:

1. Loans secured by real estate.......................................................................

a. Construction, land development, and other land loans ..........................

b. Secured by farmland (including farm residential and other

improvements).........................................................................................

c. Secured by 1–4 family residential properties:

(1) Revolving, open-end loans secured by 1–4 family residential

properties and extended under lines of credit ..................................

(2) Closed-end loans secured by 1–4 family residential properties:

(a) Secured by ﬁ rst liens ..................................................................

(b) Secured by junior liens ...............................................................

d. Secured by multifamily (5 or more) residential properties.......................

e. Secured by nonfarm nonresidential properties ......................................

2. Loans to depository institutions and acceptances of other banks:

a. To commercial banks in the U.S..............................................................

(1) To U.S. branches and agencies of foreign banks .............................

(2) To other commercial banks in the U.S. .............................................

b. To other depository institutions in the U.S...............................................

c. To banks in foreign countries...................................................................

(1) To foreign branches of other U.S. banks...........................................

s .............................

(2) To other commercial banks in the U.S. .............................................

b. To other depository institutions in the U.S...............................................

c. To banks in foreign countries...................................................................

(1) To foreign branches of other U.S. banks...........................................

(2) To other banks in foreign countries...................................................

3. Loans to ﬁ nance agricultural production and other loans to farmers ...........

4. Commercial and industrial loans:

a. To U.S. addressees (domicile) ................................................................

b. To non-U.S. addressees (domicile) .........................................................

5. Not applicable

6. Loans to individuals for household, family, and other personal expendi-

tures (i.e., consumer loans) (includes purchased paper):

a. Credit cards.............................................................................................

b. Other revolving credit plans.....................................................................

c. Other consumer loans (includes single payment, installment, and

all student loans) .....................................................................................

7. Loans to foreign governments and ofﬁ cial institutions (including foreign

central banks)...............................................................................................

8. Obligations (other than securities and leases) of states and political

subdivisions in the U.S.................................................................................

9. Other loans...................................................................................................

a. Loans for purchasing or carrying securities (secured and unsecured)....

b. All other loans (exclude consumer loans) ...............................................

political

subdivisions in the U.S.................................................................................

9. Other loans...................................................................................................

a. Loans for purchasing or carrying securities (secured and unsecured)....

b. All other loans (exclude consumer loans) ...............................................

10. Lease ﬁ nancing receivables (net of unearned income)................................

a. Of U.S. addressees (domicile) ................................................................

b. Of non-U.S. addressees (domicile) .........................................................

11. LESS: Any unearned income on loans reﬂ ected in items 1–9 above...........

12. Total loans and leases, net of unearned income (sum of items 1

through 10 minus item 11) (total of column A must equal

Schedule RC, sum of items 4.a and 4.b) .....................................................

1.a.

1.b.

1.c.(1)

1.c.(2)(a)

1.c.(2)(b)

1.d.

1.e.

2.a.

2.a.(1)

2.a.(2)

2.b.

2.c.

2.c.(1)

2.c.(2)

4.a.

4.b.

6.a.

6.b.

6.c.

9.a.

9.b.

10.

10.a.

10.b.

11.

12.

(Column A)

Consolidated

Bank

(Column B)

Domestic

Ofﬁ ces

1616

RCON

A564

A565

A566

A567

A568

A569

RCFD

A570

A571

A572

A573

A574

A575

A247

2746

RCON

5370

RCFD

B837

C391

FFIEC 031

Page RC-7

Schedule RC-C—Continued

Part I. Continued

Memoranda

Dollar Amounts in Thousands

1. Loans and leases restructured and in compliance with modiﬁ ed terms (included in

Schedule RC-C, part I, and not reported as past due or nonaccrual in Schedule RC-N,

Memorandum item 1) (exclude loans secured by 1–4 family residential properties and

loans to individuals for household, family, and other personal expenditures) ....................................

2. Maturity and repricing data for loans and leases (excluding those in nonaccrual status):

ed terms (included in

Schedule RC-C, part I, and not reported as past due or nonaccrual in Schedule RC-N,

Memorandum item 1) (exclude loans secured by 1–4 family residential properties and

loans to individuals for household, family, and other personal expenditures) ....................................

2. Maturity and repricing data for loans and leases (excluding those in nonaccrual status):

a. Closed-end loans secured by ﬁ rst liens on 1–4 family residential properties in domestic ofﬁ ces

(reported in Schedule RC-C, part I, item 1.c.(2)(a), column B) with a remaining maturity or

next repricing date of: 1, 2

(1) Three months or less ..............................................................................................................

(2) Over three months through 12 months ...................................................................................

(3) Over one year through three years.........................................................................................

(4) Over three years through ﬁ ve years........................................................................................

(5) Over ﬁ ve years through 15 years............................................................................................

(6) Over 15 years .........................................................................................................................

b. All loans and leases (reported in Schedule RC-C, part I, items 1 through 10, column A)

EXCLUDING closed-end loans secured by ﬁ rst liens on 1–4 family residential properties

in domestic ofﬁ ces (reported in Schedule RC-C, part I, item 1.c.(2)(a), column B) with a

remaining maturity or next repricing date of: 1, 3

(1) Three months or less ..............................................................................................................

(2) Over three months through 12 months ...................................................................................

n domestic ofﬁ ces (reported in Schedule RC-C, part I, item 1.c.(2)(a), column B) with a

remaining maturity or next repricing date of: 1, 3

(1) Three months or less ..............................................................................................................

(2) Over three months through 12 months ...................................................................................

(3) Over one year through three years.........................................................................................

(4) Over three years through ﬁ ve years........................................................................................

(5) Over ﬁ ve years through 15 years............................................................................................

(6) Over 15 years .........................................................................................................................

c. Loans and leases (reported in Schedule RC-C, part I, items 1 through 10, column A)

with a REMAINING MATURITY of one year or less (excluding those in nonaccrual status).........

3. Loans to ﬁ nance commercial real estate, construction, and land development activities

(not secured by real estate) included in Schedule RC-C, part I, items 4 and 9, column A4............

4. Adjustable rate closed-end loans secured by ﬁ rst liens on 1–4 family residential properties

in domestic ofﬁ ces (included in Schedule RC-C, part I, item 1.c.(2)(a), column B) ..........................

5. Loans secured by real estate to non-U.S. addressees (domicile) (included in Schedule RC-C,

part I, item 1, column A)....................................................................................................................

by ﬁ rst liens on 1–4 family residential properties

in domestic ofﬁ ces (included in Schedule RC-C, part I, item 1.c.(2)(a), column B) ..........................

5. Loans secured by real estate to non-U.S. addressees (domicile) (included in Schedule RC-C,

part I, item 1, column A).....................................................................................................................

Memorandum item 6 is to be completed by banks that (1) together with afﬁ liated institutions,

have outstanding credit card receivables (as deﬁ ned in the instructions) that exceed

$500 million as of the report date or (2) are credit card specialty banks as deﬁ ned for Uniform

Bank Performance Report purposes.

6. Outstanding credit card fees and ﬁ nance charges included in Schedule RC-C,

part I, item 6.a, column A.................................................................................................................

RCFD

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M.1.

M.2.a.(1)

M.2.a.(2)

M.2.a.(3)

M.2.a.(4)

M.2.a.(5)

M.2.a.(6)

M.2.b.(1)

M.2.b.(2)

M.2.b.(3)

M.2.b.(4)

M.2.b.(5)

M.2.b.(6)

M.2.c.

M.3.

M.4.

M.5.

M.6.

1 Report ﬁ xed rate loans and leases by remaining maturity and ﬂ oating rate loans by next repricing date.

2 Sum of Memorandum items 2.a.(1) through 2.a.(6) plus total nonaccrual closed-end loans secured by ﬁ rst liens on 1–4 family residential

properties in domestic ofﬁ ces included in Schedule RC-N, item 1.c.(2)(a), column C, must equal total closed-end loans secured by

ﬁ rst liens on 1–4 family residential properties from Schedule RC-C, part I, item 1.c.(2)(a), column B

s by next repricing date.

2 Sum of Memorandum items 2.a.(1) through 2.a.(6) plus total nonaccrual closed-end loans secured by ﬁ rst liens on 1–4 family residential

properties in domestic ofﬁ ces included in Schedule RC-N, item 1.c.(2)(a), column C, must equal total closed-end loans secured by

ﬁ rst liens on 1–4 family residential properties from Schedule RC-C, part I, item 1.c.(2)(a), column B.

3 Sum of Memorandum items 2.b.(1) through 2.b.(6), plus total nonaccrual loans and leases from Schedule RC-N, sum of items 1 through 8,

column C, minus nonaccrual closed-end loans secured by ﬁ rst liens on 1–4 family residential properties in domestic ofﬁ ces included in

Schedule RC-N, item 1.c.(2)(a), column C, must equal total loans and leases from Schedule RC-C, part I, sum of items 1 through

10, column A, minus total closed-end loans secured by ﬁ rst liens on 1–4 family residential properties in domestic ofﬁ ces from Schedule RC-C,

part I, item 1.c.(2)(a), column B.

4 Exclude loans secured by real estate that are included in Schedule RC-C, part I, item 1, column A.

5564

5565

5566

5567

5568

5569

5570

5571

5572

5573

5574

5575

5562

5563

(Column B)

Amount

Currently

Outstanding

Schedule RC-C, Part II is to be reported only with the June Report of Condition.

Report the number and amount currently outstanding as of June 30 of business loans with “original amounts” of $1,000,000 or less and

farm loans with “original amounts” of $500,000 or less. The following guidelines should be used to determine the “original amount” of a

loan: (1) For loans drawn down under lines of credit or loan commitments, the “original amount” of the loan is the size of the line of credit

or loan commitment when the line of credit or loan commitment was most recently approved, extended, or renewed prior to the report

date. However, if the amount currently outstanding as of the report date exceeds this size, the “original amount” is the amount currently

outstanding on the report date

f credit or loan commitments, the “original amount” of the loan is the size of the line of credit

or loan commitment when the line of credit or loan commitment was most recently approved, extended, or renewed prior to the report

date. However, if the amount currently outstanding as of the report date exceeds this size, the “original amount” is the amount currently

outstanding on the report date. (2) For loan participations and syndications, the “original amount” of the loan participation or syndication is

the entire amount of the credit originated by the lead lender. (3) For all other loans, the “original amount” is the total amount of the loan at

origination or the amount currently outstanding as of the report date, whichever is larger.

FFIEC 031

Page RC-7a

18a

YES

Loans to Small Businesses

1. Indicate in the appropriate box at the right whether all or substantially all of the dollar

volume of your bank’s “Loans secured by nonfarm nonresidential properties” in domestic

ofﬁ ces reported in Schedule RC-C, part I, item 1.e, column B, and all or substantially all

of the dollar volume of your bank’s “Commercial and industrial loans to U.S. addressees”

in domestic ofﬁ ces reported in Schedule RC-C, part I, item 4.a, column B, have original

amounts of $100,000 or less (If your bank has no loans outstanding in both of these two

loan categories, place an “X” in the box marked “NO.”) ........................................................................

If YES, complete items 2.a and 2.b below, skip items 3 and 4, and go to item 5.

If NO and your bank has loans outstanding in either loan category, skip items 2.a and 2.b, complete items 3 and 4 below, and go

to item 5.

If NO and your bank has no loans outstanding in both loan categories, skip items 2 through 4, and go to item 5.

(Column A)

Number of Loans

Dollar Amounts in Thousands

3.a.

3.b.

3.c.

4.a.

4.b.

4.c.

Number of Loans

RCON

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Schedule RC-C—Continued

Part II. Loans to Small Businesses and Small Farms

loan category, skip items 2.a and 2.b, complete items 3 and 4 below, and go

to item 5.

If NO and your bank has no loans outstanding in both loan categories, skip items 2 through 4, and go to item 5.

(Column A)

Number of Loans

Dollar Amounts in Thousands

3.a.

3.b.

3.c.

4.a.

4.b.

4.c.

Number of Loans

RCON

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Schedule RC-C—Continued

Part II. Loans to Small Businesses and Small Farms

2. Report the total number of loans currently outstanding for each of the

following Schedule RC-C, part I, loan categories:

a. “Loans secured by nonfarm nonresidential properties” in domestic

ofﬁ ces reported in Schedule RC-C, part I, item 1.e, column B

(Note: Item 1.e, column B, divided by the number of loans should

NOT exceed $100,000.)............................................................................

b. “Commercial and industrial loans to U.S. addressees” in domestic

ofﬁ ces reported in Schedule RC-C, part I, item 4.a, column B

(Note: Item 4.a, column B, divided by the number of loans should

NOT exceed $100,000.)............................................................................

2.a.

2.b.

3. Number and amount currently outstanding of “Loans secured by

nonfarm nonresidential properties” in domestic ofﬁ ces reported in

Schedule RC-C, part I, item 1.e, column B (sum of items 3.a through 3.c

must be less than or equal to Schedule RC-C, part I, item 1.e, column B):

a. With original amounts of $100,000 or less .............................................

b. With original amounts of more than $100,000 through $250,000 ..........

c. With original amounts of more than $250,000 through $1,000,000 .......

4. Number and amount currently outstanding of “Commercial and

industrial loans to U.S. addressees” in domestic ofﬁ ces reported in

Schedule RC-C, part I, item 4.a, column B (sum of items 4.a through 4.c

must be less than or equal to Schedule RC-C, part I, item 4.a, column B):

a. With original amounts of $100,000 or less .............................................

through $1,000,000 .......

4. Number and amount currently outstanding of “Commercial and

industrial loans to U.S. addressees” in domestic ofﬁ ces reported in

Schedule RC-C, part I, item 4.a, column B (sum of items 4.a through 4.c

must be less than or equal to Schedule RC-C, part I, item 4.a, column B):

a. With original amounts of $100,000 or less .............................................

b. With original amounts of more than $100,000 through $250,000 ..........

c. With original amounts of more than $250,000 through $1,000,000 .......

6999

RCON

5578

5579

5580

5581

5582

5583

5584

5585

5586

5587

5588

5589

5576

5577

18b

FFIEC 031

Page RC-7b

Legal Title of Bank

FDIC Certiﬁ cate Number

(Column B)

Amount

Currently

Outstanding

YES

Agricultural Loans to Small Farms

5. Indicate in the appropriate box at the right whether all or substantially all of the dollar

volume of your bank’s “Loans secured by farmland (including farm residential and other

improvements)” in domestic ofﬁ ces reported in Schedule RC-C, part I, item 1.b, column B,

and all or substantially all of the dollar volume of your bank’s “Loans to ﬁ nance agricultural

production and other loans to farmers” in domestic ofﬁ ces reported in Schedule RC-C, part I,

item 3, column B, have original amounts of $100,000 or less (If your bank has no loans

outstanding in both of these two loan categories, place an “X” in the box marked “NO.”)....................

If YES, complete items 6.a and 6.b below, and do not complete items 7 and 8.

If NO and your bank has loans outstanding in either loan category, skip items 6.a and 6.b and complete items 7 and 8 below.

If NO and your bank has no loans outstanding in both loan categories, do not complete items 6 through 8.

(Column A)

Number of Loans

Dollar Amounts in Thousands

7.a.

7.b.

7.c.

8.a.

8.b.

8.c.

Number of Loans

RCON

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6. Report the total number of loans currently outstanding for each of the

following Schedule RC-C, part I, loan categories:

6.a and 6.b and complete items 7 and 8 below.

If NO and your bank has no loans outstanding in both loan categories, do not complete items 6 through 8.

(Column A)

Number of Loans

Dollar Amounts in Thousands

7.a.

7.b.

7.c.

8.a.

8.b.

8.c.

Number of Loans

RCON

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Mil

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6. Report the total number of loans currently outstanding for each of the

following Schedule RC-C, part I, loan categories:

a. “Loans secured by farmland (including farm residential and other

improvements)” in domestic ofﬁ ces reported in Schedule RC-C,

part I, item 1.b, column B (Note: Item 1.b, column B, divided by

the number of loans should NOT exceed $100,000.) ...............................

b. “Loans to ﬁ nance agricultural production and other loans to farmers” in

domestic ofﬁ ces reported in Schedule RC-C, part I, item 3, column B

(Note: Item 3, column B, divided by the number of loans should

NOT exceed $100,000.)............................................................................

6.a.

6.b.

7. Number and amount currently outstanding of “Loans secured by

farmland (including farm residential and other improvements)” in

domestic ofﬁ ces reported in Schedule RC-C, part I, item 1.b,

column B (sum of items 7.a through 7.c must be less than or equal to

Schedule RC-C, part I, item 1.b, column B):

a. With original amounts of $100,000 or less .............................................

b. With original amounts of more than $100,000 through $250,000 ..........

c. With original amounts of more than $250,000 through $500,000 ..........

8. Number and amount currently outstanding of “Loans to ﬁ nance

agricultural production and other loans to farmers” in domestic ofﬁ ces

reported in Schedule RC-C, part I, item 3, column B (sum of

items 8.a through 8.c must be less than or equal to Schedule RC-C,

part I, item 3, column B):

a. With original amounts of $100,000 or less .............................................

b. With original amounts of more than $100,000 through $250,000 ..........

agricultural production and other loans to farmers” in domestic ofﬁ ces

reported in Schedule RC-C, part I, item 3, column B (sum of

items 8.a through 8.c must be less than or equal to Schedule RC-C,

part I, item 3, column B):

a. With original amounts of $100,000 or less .............................................

b. With original amounts of more than $100,000 through $250,000 ..........

c. With original amounts of more than $250,000 through $500,000 ..........

Schedule RC-C—Continued

Part II. Continued

6860

RCON

3531

3532

3533

3534

3535

3536

3537

3541

3542

3543

3545

3546

3547

3548

FFIEC 031

Page RC-8

Legal Title of Bank

FDIC Certiﬁ cate Number

Schedule RC-D—Trading Assets and Liabilities

Schedule RC-D is to be completed by banks that reported average trading assets (Schedule RC-K, item 7) of $2 million or

more for any quarter of the preceding calendar year.

Dollar Amounts in Thousands

ASSETS

1. U.S. Treasury securities in domestic ofﬁ ces ......................................................................................

2. U.S. Government agency obligations in domestic ofﬁ ces (exclude mortgage-backed

securities)...........................................................................................................................................

3. Securities issued by states and political subdivisions in the U.S. in domestic ofﬁ ces........................

4. Mortgage-backed securities (MBS) in domestic ofﬁ ces:

a. Pass-through securities issued or guaranteed by FNMA, FHLMC, or GNMA...............................

b. Other mortgage-backed securities issued or guaranteed by FNMA, FHLMC, or GNMA

(include CMOs, REMICs, and stripped MBS) ...............................................................................

c. All other mortgage-backed securities............................................................................................

ranteed by FNMA, FHLMC, or GNMA...............................

b. Other mortgage-backed securities issued or guaranteed by FNMA, FHLMC, or GNMA

(include CMOs, REMICs, and stripped MBS) ...............................................................................

c. All other mortgage-backed securities............................................................................................

5. Other debt securities in domestic ofﬁ ces ...........................................................................................

6.–8. Not applicable

9. Other trading assets in domestic ofﬁ ces ............................................................................................

10. Trading assets in foreign ofﬁ ces................................................................................................

11. Revaluation gains on derivative contracts:

a. In domestic ofﬁ ces................................................................................................................

b. In foreign ofﬁ ces...................................................................................................................

12. Total trading assets (sum of items 1 through 11) (must equal Schedule RC, item 5) ...............

LIABILITIES

13. Liability for short positions..................................................................................................................

14. Revaluation losses on derivative contracts ........................................................................................

15. Total trading liabilities (sum of items 13 and 14) (must equal Schedule RC, item 15) .......................

4.a.

4.b.

4.c.

10.

11.a.

11.b.

12.

RCON

Bil

Mil

Thou

13.

14.

15.

RCFD

Bil

Mil

Thou

RCFN

RCON

RCFN

RCFD

.......

14. Revaluation losses on derivative contracts ........................................................................................

15. Total trading liabilities (sum of items 13 and 14) (must equal Schedule RC, item 15) .......................

4.a.

4.b.

4.c.

10.

11.a.

11.b.

12.

RCON

Bil

Mil

Thou

13.

14.

15.

RCFD

Bil

Mil

Thou

RCFN

RCON

RCFN

RCFD

6835

2365

2343

2344

A243

A244

5590

6810

0352

6648

2604

B549

B550

2202

2520

2203

2530

B551

B552

2213

2236

2216

2377

2215

2210

2385

Nontransaction

Accounts

Transaction Accounts

(Column B)

Memo: Total

demand deposits

(included in

column A)

(Column A)

Total transaction

accounts (including

total demand

deposits)

RCON

Bil

Mil

Thou RCON

Bil

Mil

Thou RCON

Bil

Mil

Thou

FFIEC 031

Page RC-9

Schedule RC-E—Deposit Liabilities

Part I. Deposits in Domestic Ofﬁ ces

Dollar Amounts in Thousands

Memoranda

1. Selected components of total deposits (i.e., sum of item 7, columns A and C):

a. Total Individual Retirement Accounts (IRAs) and Keogh Plan accounts .......................................

b. Total brokered deposits .................................................................................................................

c. Fully insured brokered deposits (included in Memorandum item 1.b above):

(1) Issued in denominations of less than $100,000......................................................................

(2) Issued either in denominations of $100,000 or in denominations greater than $100,000

and participated out by the broker in shares of $100,000 or less ...........................................

d. Maturity data for brokered deposits:

(1) Brokered deposits issued in denominations of less than $100,000 with a remaining

maturity of one year or less (included in Memorandum item 1.c.(1) above)...........................

ominations of $100,000 or in denominations greater than $100,000

and participated out by the broker in shares of $100,000 or less ...........................................

d. Maturity data for brokered deposits:

(1) Brokered deposits issued in denominations of less than $100,000 with a remaining

maturity of one year or less (included in Memorandum item 1.c.(1) above)...........................

(2) Brokered deposits issued in denominations of $100,000 or more with a remaining

maturity of one year or less (included in Memorandum item 1.b above) ................................

e. Preferred deposits (uninsured deposits of states and political subdivisions in the U.S.

reported in item 3 above which are secured or collateralized as required under

state law) (to be completed for the December report only)......................................................

2. Components of total nontransaction accounts (sum of Memorandum items 2.a through 2.c must

equal item 7, column C above):

a. Savings deposits:

(1) Money market deposit accounts (MMDAs).............................................................................

(2) Other savings deposits (excludes MMDAs)............................................................................

b. Total time deposits of less than $100,000 .....................................................................................

c. Total time deposits of $100,000 or more .......................................................................................

M.1.a.

M.1.b.

M.1.c.(1)

M.1.c.(2)

M.1.d.(1)

M.1.d.(2)

M.1.e.

M.2.a.(1)

M.2.a.(2)

M.2.b.

M.2.c.

RCON

Bil

Mil

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Dollar Amounts in Thousands

Deposits of:

1. Individuals, partnerships, and corporations

(include all certiﬁ ed and ofﬁ cial checks)................

2. U.S. Government ..................................................

3. States and political subdivisions in the U.S...........

4. Commercial banks and other depository

institutions in the U.S.............................................

Thou

Dollar Amounts in Thousands

Deposits of:

1. Individuals, partnerships, and corporations

(include all certiﬁ ed and ofﬁ cial checks)................

2. U.S. Government ..................................................

3. States and political subdivisions in the U.S...........

4. Commercial banks and other depository

institutions in the U.S.............................................

5. Banks in foreign countries.....................................

6. Foreign governments and ofﬁ cial institutions

(including foreign central banks) ...........................

7. Total (sum of items 1 through 6) (sum of

columns A and C must equal Schedule RC,

item 13.a) ..............................................................

(Column C)

Total

nontransaction

accounts

(including MMDAs)

B553

B554

2625

2650

B555

2200

A579

A580

A581

A582

A241

A584

A585

A586

A587

A242

FFIEC 031

Page RC-10

Dollar Amounts in Thousands

3. Maturity and repricing data for time deposits of less than $100,000:

a. Time deposits of less than $100,000 with a remaining maturity or next repricing date of: 1, 2

(1) Three months or less ..............................................................................................................

(2) Over three months through 12 months ...................................................................................

(3) Over one year through three years.........................................................................................

date of: 1, 2

(1) Three months or less ..............................................................................................................

(2) Over three months through 12 months ...................................................................................

(3) Over one year through three years.........................................................................................

(4) Over three years .....................................................................................................................

b. Time deposits of less than $100,000 with a REMAINING MATURITY of one year or less

(included in Memorandum items 3.a.(1) and 3.a.(2) above)3 ........................................................

4. Maturity and repricing data for time deposits of $100,000 or more:

a. Time deposits of $100,000 or more with a remaining maturity or next repricing date of: 1, 4

(1) Three months or less ..............................................................................................................

(2) Over three months through 12 months ...................................................................................

(3) Over one year through three years.........................................................................................

(4) Over three years .....................................................................................................................

b. Time deposits of $100,000 or more with a REMAINING MATURITY of one year or less

(included in Memorandum items 4.a.(1) and 4.a.(2) above)3 ........................................................

M.3.a.(1)

M.3.a.(2)

M.3.a.(3)

M.3.a.(4)

M.3.b.

M.4.a.(1)

M.4.a.(2)

M.4.a.(3)

M.4.a.(4)

M.4.b.

RCON

Bil

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Schedule RC-E—Continued

Part I. Continued

Memoranda (continued)

Legal Title of Bank

FDIC Certiﬁ cate Number

1 Report ﬁ xed rate time deposits by remaining maturity and ﬂ oating rate time deposits by next repricing date

above)3 ........................................................

M.3.a.(1)

M.3.a.(2)

M.3.a.(3)

M.3.a.(4)

M.3.b.

M.4.a.(1)

M.4.a.(2)

M.4.a.(3)

M.4.a.(4)

M.4.b.

RCON

Bil

Mil

Thou

Schedule RC-E—Continued

Part I. Continued

Memoranda (continued)

Legal Title of Bank

FDIC Certiﬁ cate Number

1 Report ﬁ xed rate time deposits by remaining maturity and ﬂ oating rate time deposits by next repricing date.

2 Sum of Memorandum items 3.a.(1) through 3.a.(4) must equal Schedule RC-E, Memorandum item 2.b.

3 Report both ﬁ xed and ﬂ oating rate time deposits by remaining maturity. Exclude ﬂ oating rate time deposits with a next repricing date of one year or less

that have a remaining maturity of over one year.

4 Sum of Memorandum items 4.a.(1) through 4.a.(4) must equal Schedule RC-E, Memorandum item 2.c.

Part II. Deposits in Foreign Ofﬁ ces (including Edge and

Agreement subsidiaries and IBFs)

Dollar Amounts in Thousands

Deposits of:

1. Individuals, partnerships, and corporations (include all certiﬁ ed and ofﬁ cial checks)........................

2. U.S. banks (including IBFs and foreign branches of U.S. banks) and other U.S. depository

institutions ..........................................................................................................................................

3. Foreign banks (including U.S. branches and agencies of foreign banks, including their IBFs) .........

4. Foreign governments and ofﬁ cial institutions (including foreign central banks) .................................

5. U.S. Government and states and political subdivisions in the U.S. ....................................................

6. Total (sum of items 1 through 5) (must equal Schedule RC, item 13.b).............................................

Memorandum

1. Time deposits with a remaining maturity of one year or less (included in Part II, item 6 above) .......

M.1.

RCFN

Bil

Mil

Thou

Dollar Amounts in Thousands

A245

RCFN

Bil

Mil

Thou

. ....................................................

6. Total (sum of items 1 through 5) (must equal Schedule RC, item 13.b).............................................

Memorandum

1. Time deposits with a remaining maturity of one year or less (included in Part II, item 6 above) .......

M.1.

RCFN

Bil

Mil

Thou

Dollar Amounts in Thousands

A245

RCFN

Bil

Mil

Thou

1578

1. Accrued interest receivable1 ..............................................................................................................

2. Net deferred tax assets2 ....................................................................................................................

3. Interest-only strips receivable (not in the form of a security) 3 on:

a. Mortgage loans .............................................................................................................................

b. Other ﬁ nancial assets....................................................................................................................

4. Equity securities that DO NOT have readily determinable fair values4 ..............................................

5. All other assets (itemize and describe amounts greater than $25,000 that exceed 25% of

this item).............................................................................................................................................

e. Retained interests in accrued interest receivable related to

securitized credit cards

6. Total (sum of items 1 through 5) (must equal Schedule RC, item 11)...............................................

that exceed 25% of

this item).............................................................................................................................................

e. Retained interests in accrued interest receivable related to

securitized credit cards

6. Total (sum of items 1 through 5) (must equal Schedule RC, item 11)................................................

TEXT

3550

TEXt

3549

Accounts payable

Deferred compensation liabilities

Dividends declared but not yet payable

Derivatives with a negative fair value held for purposes other

than trading

Prepaid expenses

Cash surrender value of life insurance

Repossessed personal property (including vehicles)

Derivatives with a positive fair value held for purposes other

than trading

TEXT

3551

3645

RCFD

3646

3049

B557

2938

2930

FFIEC 031

Page RC-11

B556

2148

A519

A520

1752

2168

2160

1. a. Interest accrued and unpaid on deposits in domestic ofﬁ ces 5......................................................

b. Other expenses accrued and unpaid (includes accrued income taxes

payable).........................................................................................................................................

2. Net deferred tax liabilities2 .................................................................................................................

3. Allowance for credit losses on off-balance sheet credit exposures....................................................

4. All other liabilities (itemize and describe amounts greater than $25,000 that exceed

25% of this item) ................................................................................................................................

5. Total (sum of items 1 through 4) (must equal Schedule RC, item 20)................................................

Schedule RC-F—Other Assets

Dollar Amounts in Thousands

3.a.

3.b.

5.a.

5.b.

5.c.

5.d.

5.e.

5.f.

5.g.

5.h

...........................................................................................................................

5. Total (sum of items 1 through 4) (must equal Schedule RC, item 20)................................................

Schedule RC-F—Other Assets

Dollar Amounts in Thousands

3.a.

3.b.

5.a.

5.b.

5.c.

5.d.

5.e.

5.f.

5.g.

5.h

RCFD

Bil

Mil

Thou

3549

3550

3551

Schedule RC-G—Other Liabilities

Dollar Amounts in Thousands

1.a.

1.b.

4.a.

4.b.

4.c.

4.d.

4.e.

4.f.

4.g.

RCON

Bil

Mil

Thou

3066

C011

2932

1 Include accrued interest receivable on loans, leases, debt securities, and other interest-bearing assets.

2 See discussion of deferred income taxes in Glossary entry on “income taxes.”

3 Report interest-only strips receivable in the form of a security as available-for-sale securities in Schedule RC, item 2.b, or as trading assets

in Schedule RC, item 5, as appropriate.

4 Include Federal Reserve stock, Federal Home Loan Bank stock, and bankers’ bank stock.

5 For savings banks, include “dividends” accrued and unpaid on deposits.

2166

C009

TEXT

3552

TEXT

3553

TEXT

3554

3552

3553

3554

C012

C010

C436

1039

1041

1042

1043

1044

1209

1280

1281

1282

A510

1374

1752

2155

2920

B989

B995

3190

2163

2941

2192

3129

1. Customers’ liability to this bank on acceptances outstanding ............................................................

2. Bank’s liability on acceptances executed and outstanding.................................................................

3. Securities purchased under agreements to resell..............................................................................

4. Securities sold under agreements to repurchase...............................................................................

5. Other borrowed money ......................................................................................................................

EITHER

purchased under agreements to resell..............................................................................

4. Securities sold under agreements to repurchase...............................................................................

5. Other borrowed money ......................................................................................................................

EITHER

6. Net due from own foreign ofﬁ ces, Edge and Agreement subsidiaries, and IBFs ...............................

7. Net due to own foreign ofﬁ ces, Edge and Agreement subsidiaries, and IBFs ...................................

8. Total assets (excludes net due from foreign ofﬁ ces, Edge and Agreement subsidiaries, and

IBFs)...................................................................................................................................................

9. Total liabilities (excludes net due to foreign ofﬁ ces, Edge and Agreement subsidiaries, and

IBFs)...................................................................................................................................................

In items 10–17, report the amortized (historical) cost of both held-to-maturity and

available-for-sale securities in domestic ofﬁ ces.

10. U.S. Treasury securities.....................................................................................................................

11. U.S. Government agency obligations (exclude mortgage-backed securities)....................................

12. Securities issued by states and political subdivisions in the U.S. ......................................................

13. Mortgage-backed securities (MBS):

a. Pass-through securities:

(1) Issued or guaranteed by FNMA, FHLMC, or GNMA...............................................................

(2) Other pass-through securities.................................................................................................

b. Other mortgage-backed securities (include CMOs, REMICs, and stripped MBS):

.............

13. Mortgage-backed securities (MBS):

a. Pass-through securities:

(1) Issued or guaranteed by FNMA, FHLMC, or GNMA...............................................................

(2) Other pass-through securities.................................................................................................

b. Other mortgage-backed securities (include CMOs, REMICs, and stripped MBS):

(1) Issued or guaranteed by FNMA, FHLMC, or GNMA...............................................................

(2) All other mortgage-backed securities......................................................................................

14. Other domestic debt securities (include domestic asset-backed securities)......................................

15. Foreign debt securities (include foreign asset-backed securities) .....................................................

16. Investments in mutual funds and other equity securities with readily determinable

fair values...........................................................................................................................................

17. Total amortized (historical) cost of both held-to-maturity and available-for-sale securities

(sum of items 10 through 16) .............................................................................................................

18. Equity securities that do not have readily determinable fair values ...................................................

FFIEC 031

Page RC-12

Legal Title of Bank

FDIC Certiﬁ cate Number

Schedule RC-H—Selected Balance Sheet Items for Domestic Ofﬁ ces

Dollar Amounts in Thousands

10.

11.

12.

13.a.(1)

13.a.(2)

13.b.(1)

13.b.(2)

14.

15.

16.

17.

18.

RCON

Bil

Mil

Thou

RCON

Bil

Mil

Thou

Domestic Ofﬁ ces

To be completed only by banks with IBFs and other “foreign” ofﬁ ces.

2133

2898

Dollar Amounts in Thousands

RCFN

Bil

Mil

Thou

1. Total IBF assets of the consolidated bank (component of Schedule RC, item 12) ...........................

10.

11.

12.

13.a.(1)

13.a.(2)

13.b.(1)

13.b.(2)

14.

15.

16.

17.

18.

RCON

Bil

Mil

Thou

RCON

Bil

Mil

Thou

Domestic Ofﬁ ces

To be completed only by banks with IBFs and other “foreign” ofﬁ ces.

2133

2898

Dollar Amounts in Thousands

RCFN

Bil

Mil

Thou

1. Total IBF assets of the consolidated bank (component of Schedule RC, item 12) ............................

2. Total IBF liabilities (component of Schedule RC, item 21) .................................................................

Schedule RC-I—Assets and Liabilities of IBFs

3381

B558

B559

B560

3365

RCON

3360

3385

3386

3387

B561

B562

3360

3401

3484

3368

RCON

3485

B563

A514

A529

3404

3353

3355

ASSETS

1. Interest-bearing balances due from depository institutions................................................................

2. U.S. Treasury securities and U.S. Government agency obligations 2 (excluding mortgage-

backed securities) ..............................................................................................................................

3. Mortgage-backed securities2 .............................................................................................................

4. All other securities 2, 3 (includes securities issued by states and political subdivisions in the U.S.)...

5. Federal funds sold and securities purchased under agreements to resell.........................................

6. Loans:

a. Loans in domestic ofﬁ ces:

(1) Total loans...............................................................................................................................

(2) Loans secured by real estate..................................................................................................

(3) Loans to ﬁ nance agricultural production and other loans to farmers ......................................

(4) Commercial and industrial loans.............................................................................................

.............................

(2) Loans secured by real estate..................................................................................................

(3) Loans to ﬁ nance agricultural production and other loans to farmers ......................................

(4) Commercial and industrial loans.............................................................................................

(5) Loans to individuals for household, family, and other personal expenditures:

(a) Credit cards ......................................................................................................................

(b) Other (includes single payment, installment, all student loans, and revolving

credit plans other than credit cards) .................................................................................

b. Total loans in foreign ofﬁ ces, Edge and Agreement subsidiaries, and IBFs.........................

7. Trading assets...........................................................................................................................

8. Lease and ﬁ nancing receivables (net of unearned income)......................................................

9. Total assets 4 .............................................................................................................................

LIABILITIES

10. Interest-bearing transaction accounts in domestic ofﬁ ces (NOW accounts, ATS accounts,

and telephone and preauthorized transfer accounts) (exclude demand deposits) ............................

11. Nontransaction accounts in domestic ofﬁ ces:

a. Savings deposits (includes MMDAs).............................................................................................

b. Time deposits of $100,000 or more...............................................................................................

c. Time deposits of less than $100,000.............................................................................................

es:

a. Savings deposits (includes MMDAs).............................................................................................

b. Time deposits of $100,000 or more...............................................................................................

c. Time deposits of less than $100,000.............................................................................................

12. Interest-bearing deposits in foreign ofﬁ ces, Edge and Agreement subsidiaries, and IBFs .......

13. Federal funds purchased and securities sold under agreements to repurchase ......................

14. Other borrowed money (includes mortgage indebtedness and obligations under

capitalized leases).....................................................................................................................

FFIEC 031

Page RC-13

Legal Title of Bank

FDIC Certiﬁ cate Number

6.a.(1)

6.a.(2)

6.a.(3)

6.a.(4)

6.a.(5)(a)

6.a.(5)(b)

6.b.

10.

11.a.

11.b.

11.c.

12.

13.

14.

RCFD

Bil

Mil

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Dollar Amounts in Thousands

Schedule RC-K—Quarterly Averages1

1 For all items, banks have the option of reporting either (1) an average of DAILY ﬁ gures for the quarter, or (2) an average of WEEKLY ﬁ gures

(i.e., the Wednesday of each week of the quarter).

2 Quarterly averages for all debt securities should be based on amortized cost.

3 Quarterly averages for all equity securities should be based on historical cost.

4 The quarterly average for total assets should reﬂ ect all debt securities (not held for trading) at amortized cost, equity securities with readily determinable

fair values at the lower of cost or fair value, and equity securities without readily determinable fair values at historical cost.

RCFN

RCFD

RCFN

RCFD

for all equity securities should be based on historical cost.

4 The quarterly average for total assets should reﬂ ect all debt securities (not held for trading) at amortized cost, equity securities with readily determinable

fair values at the lower of cost or fair value, and equity securities without readily determinable fair values at historical cost.

RCFN

RCFD

RCFN

RCFD

FFIEC 031

Page RC-14

Schedule RC-L—Derivatives and Off-Balance Sheet Items

Please read carefully the instructions for the preparation of Schedule RC-L. Some of the amounts

reported in Schedule RC-L are regarded as volume indicators and not necessarily as measures of risk.

3814

3815

3816

6550

3817

3818

3819

3821

3411

3428

3433

A534

C219

C220

A535

C221

C222

8765

3430

5591

1. Unused commitments:

a. Revolving, open-end lines secured by 1– 4 family residential properties, e.g., home equity

lines...............................................................................................................................................

b. Credit card lines ............................................................................................................................

c. Commercial real estate, construction, and land development:

(1) Commitments to fund loans secured by real estate................................................................

..........................................................................

b. Credit card lines ............................................................................................................................

c. Commercial real estate, construction, and land development:

(1) Commitments to fund loans secured by real estate................................................................

(2) Commitments to fund loans not secured by real estate..........................................................

d. Securities underwriting..................................................................................................................

e. Other unused commitments ..........................................................................................................

2. Financial standby letters of credit and foreign ofﬁ ce guarantees.......................................................

a. Amount of ﬁ nancial standby letters of credit conveyed to others ............

3. Performance standby letters of credit and foreign ofﬁ ce guarantees.................................................

a. Amount of performance standby letters of credit conveyed to others .....

4. Commercial and similar letters of credit.............................................................................................

5. Participations in acceptances (as described in the instructions) conveyed to others by the

reporting bank....................................................................................................................................

6. Securities lent (including customers’ securities lent where the customer is indemniﬁ ed against

loss by the reporting bank).................................................................................................................

7. Credit derivatives:

a. Notional amount of credit derivatives on which the reporting bank is the guarantor.....................

............................

6. Securities lent (including customers’ securities lent where the customer is indemniﬁ ed against

loss by the reporting bank).................................................................................................................

7. Credit derivatives:

a. Notional amount of credit derivatives on which the reporting bank is the guarantor.....................

(1) Gross positive fair value..........................................................................................................

(2) Gross negative fair value ........................................................................................................

b. Notional amount of credit derivatives on which the reporting bank is the beneﬁ ciary...................

(1) Gross positive fair value..........................................................................................................

(2) Gross negative fair value ........................................................................................................

8. Spot foreign exchange contracts........................................................................................................

9. All other off-balance sheet liabilities (exclude derivatives) (itemize and describe each component

of this item over 25% of Schedule RC, item 28, “Total equity capital”) ..............................................

10. All other off-balance sheet assets (exclude derivatives) (itemize and describe each component

of this item over 25% of Schedule RC, item 28, “Total equity capital”) ..............................................

Dollar Amounts in Thousands

RCFD

Bil

Mil

Thou

1.a.

1.b.

1.c.(1)

1.c.(2)

1.d.

1.e.

2.a.

3.a.

7.a.

7.a.(1)

7.a.(2)

7.b.

7.b.(1)

7.b.(2)

9.a.

9.b.

9.c.

9.d.

9.e.

10.

10.a.

10.b.

10.c.

10.d.

10.e.

11.a.

11.b

h component

of this item over 25% of Schedule RC, item 28, “Total equity capital”) ..............................................

Dollar Amounts in Thousands

RCFD

Bil

Mil

Thou

1.a.

1.b.

1.c.(1)

1.c.(2)

1.d.

1.e.

2.a.

3.a.

7.a.

7.a.(1)

7.a.(2)

7.b.

7.b.(1)

7.b.(2)

9.a.

9.b.

9.c.

9.d.

9.e.

10.

10.a.

10.b.

10.c.

10.d.

10.e.

11.a.

11.b.

3820

3432

3434

3555

3556

3557

3822

TEXT

3555

3435

5592

5593

5594

5595

TEXT

5592

TEXT

5593

TEXT

5594

TEXT

3556

TEXT

3557

Securities borrowed

Commitments to purchase when-issued securities

TEXT

5595

Commitments to sell when-issued securities

11. Year-to-date merchant credit card sales volume:

a. Sales for which the reporting bank is the acquiring bank.......................................................

b. Sales for which the reporting bank is the agent bank with risk ..............................................

RCFD Tril

Bil

Mil

Thou

C223

C224

Dollar Amounts in Thousands

12. Gross amounts (e.g., notional

amounts) (for each column, sum of

items 12.a through 12.e must equal

sum of items 13 and 14):

a. Futures contracts.............................

b. Forward contracts............................

c. Exchange-traded option contracts:

(1) Written options..........................

(2) Purchased options ....................

d. Over-the-counter option contracts:

(1) Written options..........................

(2) Purchased options ....................

e. Swaps..............................................

13. Total gross notional amount of

derivative contracts held for trading .....

14. Total gross notional amount of

derivative contracts held for

purposes other than trading .................

a. Interest rate swaps where the

bank has agreed to pay a

ﬁ xed rate..........................................

15. Gross fair values of derivative

contracts:

a. Contracts held for trading:

(1) Gross positive fair value............

al amount of

derivative contracts held for trading .....

14. Total gross notional amount of

derivative contracts held for

purposes other than trading .................

a. Interest rate swaps where the

bank has agreed to pay a

ﬁ xed rate..........................................

15. Gross fair values of derivative

contracts:

a. Contracts held for trading:

(1) Gross positive fair value............

(2) Gross negative fair value ..........

b. Contracts held for purposes other

than trading:

(1) Gross positive fair value............

(2) Gross negative fair value ..........

Legal Title of Bank

FDIC Certiﬁ cate Number

Schedule RC-L—Continued

12.a.

12.b.

12.c.(1)

12.c.(2)

12.d.(1)

12.d.(2)

12.e.

13.

14.

14.a.

15.a.(1)

15.a.(2)

15.b.(1)

15.b.(2)

(Column C)

Equity Derivative

Contracts

(Column D)

Commodity and

Other Contracts

Tril

Bil

Mil

Thou

(Column A)

Interest Rate

Contracts

(Column B)

Foreign Exchange

Contracts

Tril

Bil

Mil

Thou Tril

Bil

Mil

Thou Tril

Bil

Mil

Thou

Derivatives Position Indicators

FFIEC 031

Page RC-15

RCFD 8693

RCFD 8694

RCFD 8695

RCFD 8696

RCFD 8697

RCFD 8698

RCFD 8699

RCFD 8700

RCFD 8701

RCFD 8702

RCFD 8703

RCFD 8704

RCFD 8705

RCFD 8706

RCFD 8707

RCFD 8708

RCFD 8709

RCFD 8710

RCFD 8711

RCFD 8712

RCFD 8713

RCFD 8714

RCFD 8715

RCFD 8716

RCFD 3450

RCFD 3826

RCFD 8719

RCFD 8720

RCFD A126

RCFD A127

RCFD 8723

RCFD 8724

RCFD 8725

RCFD 8726

RCFD 8727

RCFD 8728

RCFD A589

RCFD 8733

RCFD 8734

RCFD 8735

RCFD 8736

RCFD 8737

RCFD 8738

RCFD 8739

RCFD 8740

RCFD 8741

RCFD 8742

RCFD 8743

RCFD 8744

RCFD 8745

RCFD 8746

RCFD 8747

RCFD 8748

RCFD 8711

RCFD 8712

RCFD 8713

RCFD 8714

RCFD 8715

RCFD 8716

RCFD 3450

RCFD 3826

RCFD 8719

RCFD 8720

RCFD A126

RCFD A127

RCFD 8723

RCFD 8724

RCFD 8725

RCFD 8726

RCFD 8727

RCFD 8728

RCFD A589

RCFD 8733

RCFD 8734

RCFD 8735

RCFD 8736

RCFD 8737

RCFD 8738

RCFD 8739

RCFD 8740

RCFD 8741

RCFD 8742

RCFD 8743

RCFD 8744

RCFD 8745

RCFD 8746

RCFD 8747

RCFD 8748

6164

3164

B026

5507

0426

5372

RCON

5508

5509

5510

5511

5512

5513

RCFD

2150

5374

5375

2130

2651

B565

B566

B571

B567

B568

3190

FFIEC 031

Page RC-16

Schedule RC-M—Memoranda

Dollar Amounts in Thousands

1. Extensions of credit by the reporting bank to its executive ofﬁ cers, directors, principal

shareholders, and their related interests as of the report date:

a. Aggregate amount of all extensions of credit to all executive ofﬁ cers, directors, principal

shareholders, and their related interests.......................................................................................

b. Number of executive ofﬁ cers, directors, and principal shareholders to whom the amount

of all extensions of credit by the reporting bank (including extensions of credit to

related interests) equals or exceeds the lesser of $500,000 or 5 percent

of total capital as deﬁ ned for this purpose in agency regulations.....................

2. Intangible assets other than goodwill:

a. Mortgage servicing assets.............................................................................................................

by the reporting bank (including extensions of credit to

related interests) equals or exceeds the lesser of $500,000 or 5 percent

of total capital as deﬁ ned for this purpose in agency regulations.....................

2. Intangible assets other than goodwill:

a. Mortgage servicing assets.............................................................................................................

(1) Estimated fair value of mortgage servicing assets ............................

b. Purchased credit card relationships and nonmortgage servicing assets ......................................

c. All other identiﬁ able intangible assets ...........................................................................................

d. Total (sum of items 2.a, 2.b, and 2.c) (must equal Schedule RC, item 10.b) ................................

3. Other real estate owned:

a. Direct and indirect investments in real estate ventures.................................................................

b. All other real estate owned:

(1) Construction, land development, and other land in domestic ofﬁ ces......................................

(2) Farmland in domestic ofﬁ ces ..................................................................................................

(3) 1– 4 family residential properties in domestic ofﬁ ces ..............................................................

(4) Multifamily (5 or more) residential properties in domestic ofﬁ ces ...........................................

(5) Nonfarm nonresidential properties in domestic ofﬁ ces ...........................................................

.............................................

(3) 1– 4 family residential properties in domestic ofﬁ ces ..............................................................

(4) Multifamily (5 or more) residential properties in domestic ofﬁ ces ...........................................

(5) Nonfarm nonresidential properties in domestic ofﬁ ces ...........................................................

(6) In foreign ofﬁ ces.............................................................................................................

c. Total (sum of items 3.a and 3.b) (must equal Schedule RC, item 7).............................................

4. Investments in unconsolidated subsidiaries and associated companies:

a. Direct and indirect investments in real estate ventures.................................................................

b. All other investments in unconsolidated subsidiaries and associated companies ........................

c. Total (sum of items 4.a and 4.b) (must equal Schedule RC, item 8) .............................................

5. Other borrowed money:

a. Federal Home Loan Bank advances:

(1) With a remaining maturity of one year or less1.......................................................................

(2) With a remaining maturity of more than one year through three years...................................

(3) With a remaining maturity of more than three years...............................................................

b. Other borrowings:

(1) With a remaining maturity of one year or less.........................................................................

(2) With a remaining maturity of more than one year through three years...................................

...............................

(3) With a remaining maturity of more than three years...............................................................

b. Other borrowings:

(1) With a remaining maturity of one year or less.........................................................................

(2) With a remaining maturity of more than one year through three years...................................

(3) With a remaining maturity of more than three years...............................................................

c. Total (sum of items 5.a.(1) through 5.b.(3)) (must equal Schedule RC, item 16) ..........................

6. Does the reporting bank sell private label or third party mutual funds and annuities?.......................

7. Assets under the reporting bank’s management in proprietary mutual funds and annuities .............

8. Primary Internet Web site address of the bank (home page), if any

(Example: www.examplebank.com)

http://

9. Do any of the bank’s Internet Web sites have transactional capability, i.e., allow the

bank’s customers to execute transactions on their accounts through the Web site? ..............

1.a.

1.b.

2.a.

2.a.(1)

2.b.

2.c.

2.d.

3.a.

3.b.(1)

3.b.(2)

3.b.(3)

3.b.(4)

3.b.(5)

3.b.(6)

3.c.

4.a.

4.b.

4.c.

5.a.(1)

5.a.(2)

5.a.(3)

5.b.(1)

5.b.(2)

5.b.(3)

5.c.

RCFD

Bil

Mil

Thou

6165

A590

Number

Yes

B569

RCFD

Bil

Mil

Thou

B570

RCFN

1 Includes overnight Federal Home Loan Bank advances.

Yes

4088

TEXT

4087

..............

1.a.

1.b.

2.a.

2.a.(1)

2.b.

2.c.

2.d.

3.a.

3.b.(1)

3.b.(2)

3.b.(3)

3.b.(4)

3.b.(5)

3.b.(6)

3.c.

4.a.

4.b.

4.c.

5.a.(1)

5.a.(2)

5.a.(3)

5.b.(1)

5.b.(2)

5.b.(3)

5.c.

RCFD

Bil

Mil

Thou

6165

A590

Number

Yes

B569

RCFD

Bil

Mil

Thou

B570

RCFN

1 Includes overnight Federal Home Loan Bank advances.

Yes

4088

TEXT

4087

2759

2769

3492

3493

3494

3495

5398

5399

5400

C236

C237

C229

C238

C239

C230

3499

3500

3501

3502

3503

3504

RCFN

B572

B573

B574

RCFD

5377

5378

5379

5380

5381

5382

1594

1597

1583

1251

1252

1253

1254

1255

1256

B575

B576

B577

B578

B579

B580

5389

5390

5391

5459

5460

5461

1257

1258

1259

1271

1272

1791

3505

3506

3507

Schedule RC-N—Past Due and Nonaccrual Loans, Leases, and Other Assets

(Column B)

Past due 90

days or more

and still

accruing

(Column A)

Past due

30 through 89

days and still

accruing

RCON

Bil

Mil

Thou RCON

Bil

Mil

Thou RCON

Bil

Mil

Thou

Dollar Amounts in Thousands

1. Loans secured by real estate:

a. Construction, land development, and other

land loans in domestic ofﬁ ces ..........................

b. Secured by farmland in domestic ofﬁ ces .........

c. Secured by 1– 4 family residential

properties in domestic ofﬁ ces:

(1) Revolving, open-end loans secured by

1– 4 family residential properties and

extended under lines of credit....................

(2) Closed-end loans secured by

1– 4 family residential properties:

(a) Secured by ﬁ rst liens ...........................

...................

b. Secured by farmland in domestic ofﬁ ces .........

c. Secured by 1– 4 family residential

properties in domestic ofﬁ ces:

(1) Revolving, open-end loans secured by

1– 4 family residential properties and

extended under lines of credit....................

(2) Closed-end loans secured by

1– 4 family residential properties:

(a) Secured by ﬁ rst liens ...........................

(b) Secured by junior liens ........................

d. Secured by multifamily (5 or more) residential

properties in domestic ofﬁ ces ..........................

e. Secured by nonfarm nonresidential

properties in domestic ofﬁ ces ..........................

f. In foreign ofﬁ ces...............................................

2. Loans to depository institutions and acceptances

of other banks:

a. To U.S. banks and other U.S. depository

institutions ........................................................

b. To foreign banks...............................................

3. Loans to ﬁ nance agricultural production and

other loans to farmers ...........................................

4. Commercial and industrial loans:

a. To U.S. addressees (domicile) .........................

b. To non-U.S. addressees (domicile) ..................

5. Loans to individuals for household, family, and

other personal expenditures:

a. Credit cards......................................................

b. Other (includes single payment, installment,

all student loans, and revolving credit plans

other than credit cards) ....................................

6. Loans to foreign governments and ofﬁ cial

institutions .............................................................

7. All other loans .......................................................

8. Lease ﬁ nancing receivables:

a. Of U.S. addressees (domicile) .........................

b. Of non-U.S. addressees (domicile) ..................

credit cards) ....................................

6. Loans to foreign governments and ofﬁ cial

institutions .............................................................

7. All other loans .......................................................

8. Lease ﬁ nancing receivables:

a. Of U.S. addressees (domicile) .........................

b. Of non-U.S. addressees (domicile) ..................

9. Debt securities and other assets (exclude

other real estate owned and other repossessed

assets)...................................................................

1.a.

1.b.

1.c.(1)

1.c.(2)(a)

1.c.(2)(b)

1.d.

1.e.

1.f.

2.a.

2.b.

4.a.

4.b.

5.a.

5.b.

8.a.

8.b.

(Column C)

Nonaccrual

FFIEC 031

Page RC-17

Legal Title of Bank

FDIC Certiﬁ cate Number

3529

3530

1658

1659

1661

6558

6559

6560

1248

1249

1250

C240

C241

C226

5612

5613

5614

5615

5616

5617

Schedule RC-N—Continued

(Column B)

Past due 90

days or more

and still

accruing

(Column A)

Past due

30 through 89

days and still

accruing

RCFD

Bil

Mil

Thou RCFD

Bil

Mil

Thou RCFD

Bil

Mil

Thou

Memoranda

1. Restructured loans and leases included in

Schedule RC-N, items 1 through 8, above

(and not reported in Schedule RC-C, Part I,

Memorandum item 1)............................................

2. Loans to ﬁ nance commercial real estate,

construction, and land development activities

(not secured by real estate) included in

Schedule RC-N, items 4 and 7, above..................

3. Loans secured by real estate to non-U.S.

addressees (domicile) (included in

Schedule RC-N, item 1, above) ............................

4. Not applicable

5. Loans and leases held for sale (included in

Schedule RC-N, items 1 through 8, above) ..........

6. Interest rate, foreign exchange rate, and other

commodity and equity contracts:

Fair value of amounts carried as assets................

M.1.

M.2.

M.3.

M.5.

(Column C)

Nonaccrual

FFIEC 031

Page RC-18

M.6

cluded in

Schedule RC-N, item 1, above) ............................

4. Not applicable

5. Loans and leases held for sale (included in

Schedule RC-N, items 1 through 8, above) ..........

6. Interest rate, foreign exchange rate, and other

commodity and equity contracts:

Fair value of amounts carried as assets................

M.1.

M.2.

M.3.

M.5.

(Column C)

Nonaccrual

FFIEC 031

Page RC-18

M.6.

RCFD

Bil

Mil

Thou RCFD

Bil

Mil

Thou

(Column B)

Past due 90

days or more

(Column A)

Past due 30

through 89 days

Person to whom questions about the Reports of Condition and Income should be directed:

Name and Title (TEXT 8901)

Telephone: Area code/phone number/extension (TEXT 8902)

FAX: Area code/phone number (TEXT 9116)

10. Loans and leases reported in items 1 through 8

above which are wholly or partially guaranteed

by the U.S. Government........................................

a. Guaranteed portion of loans and leases

included in item 10 above.................................

10.

10.a.

RCFD

Bil

Mil

Thou RCFD

Bil

Mil

Thou RCFD

Bil

Mil

Thou

Dollar Amounts in Thousands

(Column B)

Past due 90

days or more

and still

accruing

(Column A)

Past due

30 through 89

days and still

accruing

(Column C)

Nonaccrual

Dollar Amounts in Thousands

Amounts reported in Schedule RC-N, items 1 through 8, above include guaranteed and unguaranteed portions of past due and nonaccrual

loans and leases. Report in item 10 below certain guaranteed loans and leases that have already been included in the amounts reported in

items 1 through 8.

E-mail Address (TEXT 4086)

0030

0031

0032

3510

3512

3514

3520

2211

2351

5514

2229

2383

5515

2314

2315

5516

5517

A531

A532

A533

1. Unposted debits (see instructions):

a. Actual amount of all unposted debits ............................................................................................

b. Separate amount of unposted debits:

XT 4086)

0030

0031

0032

3510

3512

3514

3520

2211

2351

5514

2229

2383

5515

2314

2315

5516

5517

A531

A532

A533

1. Unposted debits (see instructions):

a. Actual amount of all unposted debits ............................................................................................

b. Separate amount of unposted debits:

(1) Actual amount of unposted debits to demand deposits ..........................................................

(2) Actual amount of unposted debits to time and savings deposits1...........................................

2. Unposted credits (see instructions):

a. Actual amount of all unposted credits ...........................................................................................

b. Separate amount of unposted credits:

(1) Actual amount of unposted credits to demand deposits .........................................................

(2) Actual amount of unposted credits to time and savings deposits1..........................................

3. Uninvested trust funds (cash) held in bank’s own trust department (not included in total

deposits in domestic ofﬁ ces)..............................................................................................................

4. Deposits of consolidated subsidiaries in domestic ofﬁ ces and in insured branches in Puerto Rico

and U.S. territories and possessions (not included in total deposits):

a. Demand deposits of consolidated subsidiaries .............................................................................

b. Time and savings deposits1 of consolidated subsidiaries .............................................................

c. Interest accrued and unpaid on deposits of consolidated subsidiaries .........................................

5. Deposits in insured branches in Puerto Rico and U.S. territories and possessions:

a. Demand deposits in insured branches (included in Schedules RC-E, Part II) ..............................

of consolidated subsidiaries .............................................................

c. Interest accrued and unpaid on deposits of consolidated subsidiaries .........................................

5. Deposits in insured branches in Puerto Rico and U.S. territories and possessions:

a. Demand deposits in insured branches (included in Schedules RC-E, Part II) ..............................

b. Time and savings deposits1 in insured branches (included in Schedule RC-E, Part II)................

c. Interest accrued and unpaid on deposits in insured branches (included in Schedule RC-G,

item 1.b.) .......................................................................................................................................

6. Reserve balances actually passed through to the Federal Reserve by the reporting bank on

behalf of its respondent depository institutions that are also reﬂ ected as deposit liabilities of

the reporting bank:

a. Amount reﬂ ected in demand deposits (included in Schedule RC-E, Part I, item 7,

column B) ......................................................................................................................................

b. Amount reﬂ ected in time and savings deposits1 (included in Schedule RC-E, Part I,

item 7, column A or C, but not column B)......................................................................................

7. Unamortized premiums and discounts on time and savings deposits: 1, 2

a. Unamortized premiums .................................................................................................................

b. Unamortized discounts..................................................................................................................

8. To be completed by banks with “Oakar deposits.”

a. Deposits purchased or acquired from other FDIC-insured institutions during the quarter

(exclude deposits purchased or acquired from foreign ofﬁ ces other than insured branches

in Puerto Rico and U.S. territories and possessions):

.................................................................................................................

8. To be completed by banks with “Oakar deposits.”

a. Deposits purchased or acquired from other FDIC-insured institutions during the quarter

(exclude deposits purchased or acquired from foreign ofﬁ ces other than insured branches

in Puerto Rico and U.S. territories and possessions):

(1) Total deposits purchased or acquired from other FDIC-insured institutions during

the quarter...............................................................................................................................

(2) Amount of purchased or acquired deposits reported in item 8.a.(1) above attributable

to a secondary fund (i.e., BIF members report deposits attributable to SAIF; SAIF

members report deposits attributable to BIF)..........................................................................

b. Total deposits sold or transferred to other FDIC-insured institutions during the quarter

(exclude sales or transfers by the reporting bank of deposits in foreign ofﬁ ces other than

insured branches in Puerto Rico and U.S. territories and possessions) .......................................

FFIEC 031

Page RC-19

Legal Title of Bank

FDIC Certiﬁ cate Number

Schedule RC-O—Other Data for Deposit Insurance and FICO Assessments

1 For FDIC insurance and FICO assessment purposes, “time and savings deposits” consists of nontransaction accounts and all transaction accounts

other than demand deposits.

2 Exclude core deposit intangibles.

Dollar Amounts in Thousands

1.a.

1.b.(1)

1.b.(2)

2.a.

2.b.(1)

2.b.(2)

4.a.

4.b.

4.c.

5.a.

5.b.

5.c.

6.a.

6.b.

7.a.

7.b.

8.a.(1)

8.a.(2)

8.b.

RCON

Bil

Mil

Thou

ments

1 For FDIC insurance and FICO assessment purposes, “time and savings deposits” consists of nontransaction accounts and all transaction accounts

other than demand deposits.

2 Exclude core deposit intangibles.

Dollar Amounts in Thousands

1.a.

1.b.(1)

1.b.(2)

2.a.

2.b.(1)

2.b.(2)

4.a.

4.b.

4.c.

5.a.

5.b.

5.c.

6.a.

6.b.

7.a.

7.b.

8.a.(1)

8.a.(2)

8.b.

RCON

Bil

Mil

Thou

2702

2710

5597

5596

8432

8785

A181

A182

A527

A528

9. Deposits in lifeline accounts...............................................................................................................

10. Beneﬁ t-responsive “Depository Institution Investment Contracts” (included in total deposits

in domestic ofﬁ ces) ............................................................................................................................

11. Adjustments to demand deposits in domestic ofﬁ ces and in insured branches in Puerto Rico

and U.S. territories and possessions reported in Schedule RC-E for certain reciprocal

demand balances:

a. Amount by which demand deposits would be reduced if the reporting bank’s reciprocal

demand balances with the domestic ofﬁ ces of U.S. banks and savings associations and

insured branches in Puerto Rico and U.S. territories and possessions that were reported

on a gross basis in Schedule RC-E had been reported on a net basis.........................................

b. Amount by which demand deposits would be increased if the reporting bank’s reciprocal

demand balances with foreign banks and foreign ofﬁ ces of other U.S. banks (other than

insured branches in Puerto Rico and U.S. territories and possessions) that were reported

on a net basis in Schedule RC-E had been reported on a gross basis.........................................

......................

b. Amount by which demand deposits would be increased if the reporting bank’s reciprocal

demand balances with foreign banks and foreign ofﬁ ces of other U.S. banks (other than

insured branches in Puerto Rico and U.S. territories and possessions) that were reported

on a net basis in Schedule RC-E had been reported on a gross basis.........................................

c. Amount by which demand deposits would be reduced if cash items in process of

collection were included in the calculation of the reporting bank’s net reciprocal demand

balances with the domestic ofﬁ ces of U.S. banks and savings associations and insured

branches in Puerto Rico and U.S. territories and possessions in Schedule RC-E........................

12. Amount of assets netted against deposit liabilities in domestic ofﬁ ces and in insured branches

in Puerto Rico and U.S. territories and possessions on the balance sheet (Schedule RC) in

accordance with generally accepted accounting principles (exclude amounts related to

reciprocal demand balances):

a. Amount of assets netted against demand deposits.......................................................................

b. Amount of assets netted against time and savings deposits.........................................................

Memoranda (to be completed each quarter except as noted)

1. Total deposits in domestic ofﬁ ces of the bank and in insured branches in Puerto Rico

and U.S. territories and possessions (sum of Memorandum items 1.a.(1) and 1.b.(1)

must equal the sum of Schedule RC, item 13.a, and Schedule RC-O, items 5.a and 5.b):

a. Deposit accounts of $100,000 or less:1

(1) Amount of deposit accounts of $100,000 or less....................................................................

(2) Number of deposit accounts of $100,000 or less (to be

completed for the June report only) .............................................

b. Deposit accounts of more than $100,000:1

RC, item 13.a, and Schedule RC-O, items 5.a and 5.b):

a. Deposit accounts of $100,000 or less:1

(1) Amount of deposit accounts of $100,000 or less....................................................................

(2) Number of deposit accounts of $100,000 or less (to be

completed for the June report only) .............................................

b. Deposit accounts of more than $100,000:1

(1) Amount of deposit accounts of more than $100,000 ..............................................................

(2) Number of deposit accounts of more than $100,000........................

Memorandum item 2 is to be completed by all banks.

2. Estimated amount of uninsured deposits in domestic ofﬁ ces of the bank and

in insured branches in Puerto Rico and U.S. territories and possessions (see instructions) .............

3. Has the reporting institution been consolidated with a parent bank or savings association

in that parent bank’s or parent saving association’s Call Report or Thrift Financial Report?

If so, report the legal title and FDIC Certiﬁ cate Number of the parent bank or parent savings

association:

FFIEC 031

Page RC-20

Schedule RC-O—Continued

Dollar Amounts in Thousands

10.

11.a.

11.b.

11.c.

12.a.

12.b.

M.1.a.(1)

M.1.a.(2)

M.1.b.(1)

M.1.b.(2)

M.2.

M.3.

RCON

Bil

Mil

Thou

3779

Number

2722

Number

Dollar Amounts in Thousands

RCON

Bil

Mil

Thou

A545

FDIC Cert No.

TEXT

A545

RCON

1 The dollar amounts used as the basis for reporting in Memoranda items 1.a and 1.b reﬂ ect the deposit insurance limits in effect on the report date.

Amounts in Thousands

10.

11.a.

11.b.

11.c.

12.a.

12.b.

M.1.a.(1)

M.1.a.(2)

M.1.b.(1)

M.1.b.(2)

M.2.

M.3.

RCON

Bil

Mil

Thou

3779

Number

2722

Number

Dollar Amounts in Thousands

RCON

Bil

Mil

Thou

A545

FDIC Cert No.

TEXT

A545

RCON

1 The dollar amounts used as the basis for reporting in Memoranda items 1.a and 1.b reﬂ ect the deposit insurance limits in effect on the report date.

3368

B590

B591

5610

B596

A224

Schedule RC-R—Regulatory Capital

FFIEC 031

Page RC-21

Legal Title of Bank

FDIC Certiﬁ cate Number

Tier 1 capital

1. Total equity capital (from Schedule RC, item 28)...............................................................................

2. LESS: Net unrealized gains (losses) on available-for-sale securities1 (if a gain, report as a

positive value; if a loss, report as a negative value)...........................................................................

3. LESS: Net unrealized loss on available-for-sale EQUITY securities1 (report loss as

a positive value)................................................................................................................................

4. LESS: Accumulated net gains (losses) on cash ﬂ ow hedges1 (if a gain, report as a positive

value; if a loss, report as a negative value)........................................................................................

5. LESS: Nonqualifying perpetual preferred stock .................................................................................

6. Qualifying minority interests in consolidated subsidiaries..................................................................

7. LESS: Disallowed goodwill and other disallowed intangible assets ...................................................

8. Subtotal (sum of items 1 and 6, less items 2, 3, 4, 5, and 7) .............................................................

9. a. LESS: Disallowed servicing assets and purchased credit card relationships................................

....................................

7. LESS: Disallowed goodwill and other disallowed intangible assets ...................................................

8. Subtotal (sum of items 1 and 6, less items 2, 3, 4, 5, and 7) .............................................................

9. a. LESS: Disallowed servicing assets and purchased credit card relationships................................

b. LESS: Disallowed deferred tax assets...........................................................................................

10. Other additions to (deductions from) Tier 1 capital .....

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