# FDIC FIL-13-2002: BANK REPORTS

> Federal · Agency guidance · Superseded

URL: https://www.frixlaw.com/law-library/statutes/FDIC_FIL02013

## Section

- **Citation:** FDIC FIL-13-2002
- **Heading:** BANK REPORTS
- **Jurisdiction:** Federal
- **Kind:** Agency guidance
- **Status:** Superseded
- **Text as of:** August 14, 2026
- **Source:** Compiled text
- **Location:** FDIC Financial Institution Letters / BANK REPORTS

## 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.
1
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.
I,
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)
Director (Trustee)
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

2
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)
3
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
4
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
5
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 .....................................................................................
d
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

3.
4.

5.m.
6.a.
6.b.
7.e.
8.
9.
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

3.
4.

5.m.
6.a.
6.b.
7.e.
8.
9.
10.
11.
12.
4079
3521
3196

4300
4320
4340

4513

8431

4313

4507
8761
8762
8763
A251

FFIEC 031
Page RI-3
6
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

CC
YY
MM
DD
RIAD
Bil
Mil
Thou

YES

NO
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
7
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:
a
.....
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
7
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)........................................................................
5
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).......................................................................................................................
1.
2.
3.
4.
5.
6.
7.
8.
9.
10
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).......................................................................................................................
1.
2.
3.
4.
5.
6.
7.
8.
9.
10
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.
3.
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.
3.
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
8
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 .............................................................................................
b
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.
6.
7.
8.a.
8.b.
9.
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
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
9
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...............................................
d
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.
2.
3.a.
3.b.
3.c.
3.d.
4.
5.
6.
7.
8.
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
...............
1.a.
1.b.
2.
3.a.
3.b.
3.c.
3.d.
4.
5.
6.
7.
8.
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) ..................................................................................................
1.
2.
3.
4.
5.
6.
7.
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) ..................................................................................................
1.
2.
3.
4.
5.
6.
7.
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
10
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:
a.
b.
c.
d.
e.
f.
g.
h.
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:
a.
b.
c.
d.
e.
f.
g.
h.
i.
j.
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:
a.
b.
c.
d.
e.
f.
g.
h.
i.
j.
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
11
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):
a.
b.
5. Other transactions with parent holding company (from Schedule RI-A, item 11)
(itemize and describe all such transactions):
a.
b.
6. Adjustments to allowance for loan and lease losses (from Schedule RI-B,
part II, item 6) (itemize and describe all adjustments):
a.
b.
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):
a.
b.
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
12
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):
a
.....................
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.
5.
6.
7.
8.
9.
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
13
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 ...................................................................................
24
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
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
0090

0010
0010
FFIEC 031
Page RC-3
14
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.................................................
5
...............................................
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.
1.a.
1.b.
2.
2.a.
2.b.
3.
3.a.
3.b.
4.
5.
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....
1.
2.a.
2.b.
3.
(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
15
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
8
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.
7.
8.
(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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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
16
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
l
Thou
FFIEC 031
Page RC-5
16
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...............................................................................................................................
b
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
B534

B535
B536
B537
1590
1590

1763
1763
1764
1764

B538
B538
B539
B539

2011
2011

2081
2081

2107
2107
1563

1545

1564

2165
2182
2183
2123
2123

2122
2122

RCFD
Bil
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Bil
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FFIEC 031
Page RC-6
17
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) ...............................................
10
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.
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)
3.
4.a.
4.b.

6.a.
6.b.
6.c.
7.
8.
9.
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
18
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):
a
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.
1.
FFIEC 031
Page RC-7a
18a
YES

NO
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
2
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 .............................................
b
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
RCON
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
5.
YES

NO
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
Bil
Mil
Thou
6. Report the total number of loans currently outstanding for each of the
following Schedule RC-C, part I, loan categories:
a
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
Bil
Mil
Thou
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 ..........
c
ce
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
RCON
RCON

3531

3532
3533

3534

3535
3536
3537

3541
3542

3543
3543
3545

3546
3547
3548

FFIEC 031
Page RC-8
19
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............................................................................................
5
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) .......................
1.
2.
3.
4.a.
4.b.
4.c.
5.
9.
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) .......................
1.
2.
3.
4.a.
4.b.
4.c.
5.
9.
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
20
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
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
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) ..............................................................
1.
2.
3.
4.
5.
6.
7.
(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
21
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
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
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) .......
1.
2.
3.
4.
5.
6.
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) .......
1.
2.
3.
4.
5.
6.
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).............................................................................................................................................
a.
b.
c.
d.
e. Retained interests in accrued interest receivable related to
securitized credit cards
f.
g.
h.
6. Total (sum of items 1 through 5) (must equal Schedule RC, item 11)...............................................
that exceed 25% of
this item).............................................................................................................................................
a.
b.
c.
d.
e. Retained interests in accrued interest receivable related to
securitized credit cards
f.
g.
h.
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
22
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) ................................................................................................................................
a.
b.
c.
d.
e.
f.
g.
5. Total (sum of items 1 through 4) (must equal Schedule RC, item 20)................................................
Schedule RC-F—Other Assets
Dollar Amounts in Thousands
1.
2.
3.a.
3.b.
4.

5.
5.a.
5.b.
5.c.
5.d.

5.e.
5.f.
5.g.
5.h
6
...........................................................................................................................
a.
b.
c.
d.
e.
f.
g.
5. Total (sum of items 1 through 4) (must equal Schedule RC, item 20)................................................
Schedule RC-F—Other Assets
Dollar Amounts in Thousands
1.
2.
3.a.
3.b.
4.

5.
5.a.
5.b.
5.c.
5.d.

5.e.
5.f.
5.g.
5.h
6.
RCFD
Bil
Mil
Thou
3549
3550
3551
Schedule RC-G—Other Liabilities
Dollar Amounts in Thousands
1.a.
1.b.
2.
3.

4.
4.a.
4.b.
4.c.
4.d.
4.e.
4.f.
4.g.
5.
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
6
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 ...............................

OR
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
23
Legal Title of Bank
FDIC Certifi cate Number
Schedule RC-H—Selected Balance Sheet Items for Domestic Offi ces
Dollar Amounts in Thousands
1.
2.
3.
4.
5.
6.
7.
8.
9.
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) ...........................
3.
4.
5.
6.
7.
8.
9.
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) .................................................................
1.
2.
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.............................................................................................
12
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

[Text truncated at 120,000 characters. The full text is on the page linked above.]

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- [FDIC FIL-3-2003 FILING PROCEDURES](https://www.frixlaw.com/law-library/statutes/FDIC_FIL03003.md)
- [FDIC FIL-4-2006 Commercial Real Estate Lending Proposed Interagency Guidance](https://www.frixlaw.com/law-library/statutes/FDIC_FIL06004.md)
- [FDIC FIL-4-2021 Revised Guidelines for Appeals of Material Supervisory Determinations](https://www.frixlaw.com/law-library/statutes/FDIC_FIL21004.md)
- [FDIC FIL-4-2023 Guidance to Help Financial Institutions and Facilitate Recovery in Areas of California Affected by Severe Winter Storms, Flooding, Landslides and Mudslides](https://www.frixlaw.com/law-library/statutes/FDIC_FIL23004.md)
- [FDIC FIL-4-2025 FDIC Statement of Policy on Bank Merger Transactions](https://www.frixlaw.com/law-library/statutes/FDIC_FIL25004.md)
- [FDIC FIL-5-2000 Consumer Credit Reporting Practices](https://www.frixlaw.com/law-library/statutes/FDIC_FIL00005.md)
- [FDIC FIL-5-2003 LETTER TO STAKEHOLDERS](https://www.frixlaw.com/law-library/statutes/FDIC_FIL03005.md)
- [FDIC FIL-5-2021 Frequently Asked Questions Regarding Suspicious Activity Reporting and Other Anti-Money Laundering (AML) Considerations](https://www.frixlaw.com/law-library/statutes/FDIC_FIL21005.md)
- [FDIC FIL-6-2000 Special Alert](https://www.frixlaw.com/law-library/statutes/FDIC_FIL00006.md)

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Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/FDIC_FIL02013. Check the current official text before relying on it. Not legal advice.