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pdfBoard of Governors of the Federal Reserve System
OMB Number: 7100-0036
Federal Deposit Insurance Corporation
OMB Number: 3064-0052
Offce of the Comptroller of the Currency
OMB Number: 1557-0081
Federal Financial Institutions Examination Council
Expires May 31, 2009
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Please refer to page i,
Table of Contents, for
the required disclosure
LJ
of estimated burden.
Consolidated Reports of Condition and Income for
A Bank With Domestic Offices Only-FFIEC 041
Report at the close of business December 31, -2
(28881231) (2. ooq I 2. "31)
This report is required by law: 12 U.S.C. §324 (State member banks);
This report form is to be fied by banks with domestic offices only.
Banks with foreign offices (as defined in the instructions) must file
FFIEC 031.
2coCf
12 U.S.C. §1817 (State nonmember banks); and 12 U.S.C. §161
(National banks).
NOTE: Each bank's board of directors and senior management are
responsible for establishing and maintaining an effective system
of intemal control, including controls over the Reports of Condition
and Income. The Report of Condition and Income are to be prepared in accordance with Federal regulatory authority instructions.
The Reports of Condition and Income must be signed by the Chief
Financial Oficer (CFO) of the reporting bank (or by the individual performing an equivalent function) and attested to by not less than two
directors (trustees) for State nonmember banks and three directors
for State member and National banks.
(RCON99)
We, the undersigned directors (trustees), attest to the correctness of
the Reports of Condition and Income (including the supporting schedules) for this report date and declare that the Reports of Condition and
Income have been examined by us and to the best of our knowledge
and belief have been prepared in conformance with the instructions
issued by the appropriate Federal regulatory authority and are true
and correct.
i, the undersigned CFO (or equivalent) of the named bank, attest that
the Reports of Condition and Income (including the supporting sched-
Director (Trustee)
ules) for this report date have been prepared in conformance with
Director (Trustee)
the instructions issued by the appropriate Federal regulatory authority
and are true and correct to the best of my knowledge and belief.
Director (Trustee)
Signature of Chief Financial Ofcer (or Equivalent)
Date of Signature
Submission of Report
Each bank must file its Report of Condition and Income (Call Report)
data by either:
(a) Using computer softare to prepare its Call Report and then
To fulfill the signature and attestation requirement for the Reports
of Condition and Income for this report date, attach your bank's
completed signature page (or a photocopy or a computer-
submitting the report data directly to the FFIEC's Central Data
Repository (CDR), an Internet-based system for data collection
(https:/Icdr.ffiec.gov/cdr/), or
generated version of this page) to the hard-copy record of the data fie
submitted to the CDR that your bank must place in its files.
(b) Completing its Call Report in paper form and arranging with a
sample report forms, but should show at least the caption of each
softare vendor or another party to convert the data into the elec-
tronic format that can be processed by the CDR The softare
The appearance of your bank's hard-copy record of the submitted
data file need not match exactly the appearance of the FFIEC's
Call Report item and the reported amount.
vendor or other party then must electronically submit the bank's
data file to the CDR
For technical assistance with submissions to the CDR, please contact
the CDR Help Desk by telephone at (888) CDR-3111, by fax at (703)
774-3946, or bye-mail at CDRHelp(§ffiec.gov.
Legal Title of Bank (RSSD 9(17)
City (RSSD 9130)
FDIC Certificate Number
iiIi
State Abbrev. (RSSD 9200)
ZiP Code (RSSD 9220)
(RSSD90S0)
Board of Govemors of the Federal Reserve System, Federal Deposit Insurance Corporation, Offæ of the Comptroller of the Currency
FFIEC 041
Pagei
o
Consolidated Reports of Condition and Income for
A Bank With Domestic Offces Only
Table of Contents
Signature Page Cover
Contact Information.... ........ ...................... ................. ii, iii
Report of Income
Schedule RI-Income Statement .........................RI-1, 2, 3
Bo...k
Schedule RI-A-Changes inAEquity 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-E-Explanations .................................RI- 7, 8
Schedule RC-C-Loans and Lease Financing
Receivables:
Part i. Loans and Leases ......................... RC-7, 8, 9, 10
Part II. Loans to Small Businesses and
Small Farms (to be completed for the
June report only) ........ ................. ............... RC-1Oa, 10b
Schedule RC-D- Trading Assets and Liabilities
(to be completed only by selected
banks) ...................................................... RC-11, 12, 13
Schedule RC-E-Deposit Liabilities ................... RC-14, 15
Schedule RC-F-Other Assets................................. RC-16
Schedule RC-G-Other Liabilities............... ............. RC-16
Report of Condition
Schedule RC-K-Quarterly Averages ...................... RC-17
Schedule RC-Balance Sheet ............................... RC-1, 2
Schedule RC-A-Cash and Balances Due
From Depository Institutions
(to be completed only by selected banks).............. RC-3
Schedule RC-B-Securities .... ....................... RC-3, 4, 5, 6
Schedule RC-L-Derivatives and
Off-Balance Sheet Items ................................ RC-18, 19
Schedule RC-M-Memoranda ........................... RC-20, 21
Schedule RC-N-Past Due and Nonaccrual
Loans, Leases, and Other Assets ...... RC-22, 23, 24, 25
Schedule RC-O-Other Data for Deposit
Insurance and FICO Assessments.... ............. RC-25, 26
Schedule RC-P-1-4 Family Residential
Disclosure of Estimated Burden
650
The estimated average burden associated with this information Go;lection is
¿. " 2. .i hours per respondent and is estimated to vary from 16 to ~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 cours of a respondent's activities. A
Mortgage Banking Activities (to be completed
only by selected banks)........................................ RC-27
Schedule RC-Q FiA8Aeil!~Assets and 01' c. R~(lor"l'iI ßeu,.s
Liabilities Measured at Fair valueØa
be completed only by selected banks) ................. RC-28
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
Schedule RC-R-Regulatory Capital..... RC-29, 30, 31,32
OMB contrl number. Comments concerning the accuracy of this burden estimate
Schedule RC-S-Servicing, Securitization,
and suggestions for reducing this burden should be directed to the Offce of Informa-
tion and Regulatory Affairs, Offce of Management and Budget, Washington, D.C.
and Asset Sale Activities ..... ..................... RC-33, 34, 35
20503. and to one of the following:
Schedule RC- T -Fiduciary and
Secretary
Board of Governors of the Federal Reserve System
Washington, D.C. 20551
Legislative and Regulatory Analysis Division
Offce of the Comptroller of the Currency
Washington, D.C. 20219
Related Services ...................................... RC-36, 37,38
Optional Narrative Statement Concerning
the Amounts Reported in the Reports
of Condition and Income ........ ..... ......................... RC-39
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 Data Collection and Analysis 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.
FFIEC 041
Pageii
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Contact Information for the Reports of Condition and Income
To facilitate communication between the Agencies and the bank concerning the Report of Condition and Income, please provide contact information for
(1) the Chief Financial Offær (or equivalent) of the bank signing the report for this quarter and (2) the person at the bank-other than the Chief finan-
cial Ofær (or equivalent)- to whom questions about the report should be directed. If the Chief Financial Offær (or equivalent) is the primary contact
for questions about the report, please provide contact information for another person at the bank who wil serve as a secondary contact for communications between the Agencies and the bank conæming the Report of Condition and Income. Enter "none" for the contact's e-mail address or fax number
if not available. Contact information for the Report of Condition and Income is for the confidential use of the Agencies and wil not be released to the
public.
Chief Financial Offcer (or Equivalent) Signing the Report Other Person to Whom Questions about the Reports
Should be Directed
Name (TXT C490)
Name (TEXT C495)
Title (TXT C491)
Title (TXT C496)
E-mail Address (TEXT C492)
E-mail Address (TXT 408)
Telephone: Area coe/phone number/extension (TXT C493)
Telephone: Area coe/phone number/extension (TXT
FAX: Area coe/phone number (TXT C494)
FAX: Area coe/phone number (TXT
89)
9116)
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 offcial 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 confidential use of the Agencies and wil not be released to the public.
Primary Contact Secondary Contact
Na me (TT C366)
Name (TXT C371)
Title (TEXT C367)
Title (TXT C372)
E-mail Address (TEXT C368)
E-mail Address (TXT C373)
Telephone: Area code/phone number/extension (TEXT C369)
Telephone: Area coe/phone number/extension (TEXTC374)
FAX: Area coe/phone number (TXT C370)
FAX: Area code/phone number (TXT C37S)
.
FFIEC 041
Pate iii
USA PATRIOT Act Section 314(a) Anti-Money Laundering Contact Information
o
....0
reQuested to identify points-of-contact who are in charge of your depository institution's Section 31
~"'.
. em ".., "'" g and anti-money laundering. Please
for additional information related to anticould be contacted by federal lawen
Tnis i
~ provide information for a secondary contact if available. Informa i . contact may be provided at the bank's option. Enter "none"
for the contact's e-mail address or fax _L '. 'v, dvaiiaole. USA PATRIOT Act contact informauon - 'ential use of the Agencies and
' _. nv æment Network (FinCEN) and wil not be released to the public.
the Fina
Primary Contact
Secondary Contact
Name (TEXT C437)
Name (TXTC42)
Title (TXT C438)
Title (TXT C43)
E-mail Address (TXT C439)
E-mail Address (TXT C44)
Telephone: Area coe/phone number/extension (TXT C40)
Telephone: Area coe/phone number/extension (TXT C4S)
~oX. °FiS &QQQ'pRCnO mimbs, (21iX7G111~
r/dt. AlGa wdcYphelic 'IUii.bcl (IEXI 04""
Third Contact
Fourth Contact
Name (TEXT C870)
Name (T C87S)
Title (TXT C871)
Tille (TXT C878)
E-mail Address (TXT C872)
E-mail Address (TEXT C877)
Telephone: Area coe/phone number/extension (TXT C873)
Telephone: Area coe/phone number/extension (TXT C878)
,.. Ai ea ooefpl lUi ie 'Idi' .bei (TEXT eo,.)
FJlt Ai 06 wde1pl 161.6 ¡lUI' ibw (i EX' e6l9)
This information is being requested to identify points-of-contact who are in charge of your bank's
listed could be contacted
USA PATRIOT Act Section 314(a) information requests. Bank personnel
by law enforcement offcers or the Financial Crimes Enforcement Network (FinCEN) for additional
information related to specific Section 314(a) search requests or other anti-terrorist financing and
anti-money laundering matters. Communications sent by FinCEN to the bank for purposes other than
Section 314(a) notifications will state the intended purpose and should be directed to the appropriate
bank personnel for review. Any disclosure of customer records to law enforcement officers or FinCEN
must be done in compliance with applicable law, including the Right to Financial Privacy Act (12 U.S.C.
3401 et seq.).
Please provide information for a primary and secondary contact. Information for a third and fourth contact
may be provided at the bank's option. Enter "none" for the contact's e-mail address if not available. This
contact information is for the confidential use of the Agencies, FinCEN, and law enforcement offcers and
wil not be released to the public.
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FFIEC 041
Page RI-'
Consolidated Report of Income
for the period January 1, 2008 Septeiiibei 30,2008 2ooq- Decemher 31, 2009
o
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) Loans secured by real estate:
(a) Loans secured by 1-4 family residential properties..................................................
(b) All other loans secured by real estate.........................................................................
loans................................... ...... ................ ..................... ..............
1.a.(1)(a)
1.a.(1)(b)
1.a.(2)
(3) Loans to individuals for household. family. and other personal expenditures:
(a) Credit cards.....................................................................................................................
1.a.(3)(a)
(2) Commercial and industrial
(b) Other (includes single payment. installment. all student loans. and revolving credit
plans other than credit cards) .......................................................................................... B486
(4) Loans to foreign governments and offcial institutions.. ................... ...................................... 4056
(5) All other loans1....................................................................................................................... 4058
(6) Total interest and fee income on loans (sum of items 1.a.(1)(a) through 1.a.(5)) .................. 4010
b. Income from lease financing receivables ..... ................................................... ............................. 4065
c. Interest income on balances due from depository institutions2 .................................................... 4115
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...................................................................................................
1.a.(3)(b)
1.a.(4)
1.a.(5)
1.a.(6)
1.b.
1.c.
1.d.(1)
1.d.(2)
(3) All other securities (includes securities issued by states and political subdivisions in the
U.S.)....................................................................................................................................... 4060
e. Interest income from trading assets ....................................................... ...................................... 4069
f. Interest income on federal funds sold and securities purchased under agreements to resell ..... 4020
g. Other interest income................................................................................................................... 4518
h. Total interest income (sum of items 1.a.(6) through 1.g) .............................................................. 4107
2. Interest expense:
1.d.(3)
1.e.
1.1.
1.g.
1.h.
a. Interest on deposits:
(1) Transaction accounts (NOW accounts. ATS accounts. and telephone and preauthorized
transfer accounts) ..................................................................................................................
2.a.(1)
(2) Nontransaction accounts:
(a) Savings deposits (includes MMDAs) .......................... ................................................... 0093
(b) Time deposits of $100.000 or more................................................................................. A517
(c) Time deposits of less than $100.000............................................................................... A518
b. Expense of federal funds purchased and securities sold under agreements to repurchase........ 4180
c. Interest on trading liabilities and other borrowed money.............................................................. 4185
2.a.(2)(a)
2.a.(2)(b)
2.a.(2)(c)
2.b.
2.c.
, Includes interest and fee income on "Loans to depository institutions and acceptances of other banks," "Loans to finance agricultural production and other
loans to farmers." "Obligations (other than securities and leases) of states and political subdivisions in the U.S.." and "Other loans."
2 Includes interest income on time certificates of deposit not held for trading.
FFIEC 041
Page RI.2
o
Schedule RI-Continued
Dollar Amounts in Thousands
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.............................................................
3.
4.
5. Noninterest income:
a. Income from fiduciary activities1.............................................................
b. Service charges on deposit accounts............................. ..... ...................
c. Trading revenue2....................................................................................
d. (1) Fees and commissions from securities brokerage...........................
(2) Investment banking, advisory, and underwriting fees and
commissions... ........................... ..................... .............. ................... C888
5.a.
5.b
5.c.
5.d.(1)
e. Venture capital revenue.......................................................................... B491
5.d.(2)
5.d.(3)
5.d.(4)
5.d.(5)
5.e.
f. Net servicing fees................................................................................... B492
g. Net securitization income .......................................... .................... ......... B493
5.g.
C887
C386
(4) Underwriting income from insurance and reinsurance activities......
C387
(3) Fees and commissions from annuity sales......................................
(5) Income from other insurance activities..... .......................................
5.1.
h. Not applicable
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) .........
i. Other noninterest income.......................................................................
m. Total noninterest income (sum of items 5.a through 5.1).............. ...........
5.m.
6. a. Realized gains (losses) on held-to-maturity securities...........................
b. Realized gains (losses) on available-for-sale securities....... ......... .........
G.a.
G.b.
7. Noninterest expense:
a. Salaries and employee benefits .................................... .................. .......
b. Expenses of premises and fixed assets (net of rental income)
(excluding salaries and employee benefits and mortgage interest) .......
c. (1) Goodwill impairment losses .............................................................
(2) Amortization expense and impairment losses for other
7.a.
7.b.
7 .c.(1)
intangible assets ...... ..... ..................... ..................... ........ ........ ...... ...
d. Other noninterest expense.....................................................................
7.e.
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, G.a, G.b, and 7.e).............
9. Applicable income taxes (on item 8) ................................ ..... ...... ................
10. Income (loss) before extraordinary items and other adjustments
8.
9.
(item 8 minus item 9)...................................................................................
11. Extraordinary items and other adjustments, net of income taxes. ..............
'\ Re,lctcL WI'/1 INSEfl7 A
. Describe on Schedule RI-E-Explanations
1 For banks required to complete Schedule RC-T, items 12 through 19, income from fiduciary activities reported in Schedule RI, item S.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 S.c, must equal
Memorandum items 8.a through 8.e.
the sum of
INSERT A - FFIEC 041
12. Net income (loss) attributable to bank and noncontrollng
(minority) interests (sum of items 10 and 11) .... .........................
13. LESS: Net income (loss) attributable to noncontrollng
(minority) interests (if net income, report as a positive value; if
net loss, report as a negative value) ..........................................
14. Net income (loss) attributable to bank (item 12 minus item 13)
FFIEC 041
Schedule RI-Continued
Me Me ,- ~r\cJ /.~I ikm. 2Ii h,Jl¡'ol' Or nt.;r~ ,'"
Page RI-3
h 1- be. Co,../'IÛ"vJ i'y banks WI rl.
Year-to-date
,
CD
fo h.1 as u fs . Dollar Amounts in Thousands
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 (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
M.1.
M.2.
M.3.
MA.
M.5.
number)..............................................................................................................................................
Memorandum item 6 is to be completed by:1
banks with $300 millon or more in total assets, and
banks with less than $300 millon in total assets that have loans to finance agricultural
production and other loans to farmers (Schedule RC-C, part i, item 3) exceeding
five percent of total
loans.
6. Interest and fee income on loans to finance agricultural production and other loans to farmers
4024
(included in Schedule RI, item 1.a.(5))......................................................................................
RIAD
CC
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 acquisition2 ........ ........................ 9106
M.6.
yy
MM
OD
M.7.
8. Trading revenue (from cash instruments and derivative instruments) (sum of
Memorandum items 8.a through 8.e must equal Schedule RI, item 5.c) (To be completed by
banks that reported average trading assets (Schedule RC-K. item 7) of $2 milion or more
for any quarter of the preceding calendar year.):
RIAO
Bil
Mil
8757
a. Interest rate exposures..................................................................................................................
8758
b. Foreign exchange exposures........................................................................................................
8759
c. Equity security and index exposures.............,...............................................................................
8760
d. Commodity and other exposures..................................................................................................
F186
e. Credit exposures ............................. .......................................... .................. ..................................
9. Net gains (losses) recognized in earnings on credit derivatives that economically hedge
credit exposures held outside the trading account:
a. Net gains (losses) on credit derivatives held for trading................................................. ...............
b. Net gains (losses) on credit derivatives held for purposes other than trading...............................
Thou
M.8.a.
M.8.b.
M.8.c.
M.B.d.
M.8.e.
M.9.a.
M.9.b.
10. To be completed by banks with $300 millon or more in total assets:1
Credit losses on derivatives (see instructions)...................................................................................
M.10.
11. Does the reporting bank have a Subchapter S election in effect for federal income tax purposes
for the current tax year? .....................................................................................................................
M.11.
Memorandum item 12 is to be completed by banks that are required to complete Schedule RC-C,
part i, Memorandum items B.b and B.C.
12. Noncash income from negative amortization on closed-end loans secured by 1-4 family
residential properties (included in Schedule RI, item 1.a.(1)(a)) ........................................................
M.12.
Memorandum item 13 is to be completed by banks that have elected to account for assets and
liabilties under a fair value option.
13. Net gains (losses) recognized in earnings on assets and liabilities that are reported at fair
value under a fair value option:
a. Net gains (losses) on assets ........ .......... .................... ........ ..................................... ..... .......... ....
(1) Estimated net gains (losses) on loans attributable to changes in instrument-specific
credit risk...............................................................................................................................
b. Net gains (losses) on liabilties..................................................................................................
(1) Estimated net gains (losses) on liabilities attributable to changes in instrumentspecific credit risk................................................................................................................
i The asset size llsts and the five percent of total
loans test are generally based on the total assets and total
June 30, 2001, Report of Condition.
2 For example. a bank acquired on March 1, 2008. would report 20080301.
loans reported on the
M.13.a.
M.13.a.(1)
M.13.b.
M.13.b.(1)
11~"k
FFIEC 04'
Schedule RI-A-Changes inAEquity Capital
Indicate decreases and losses in parentheses.
Page RI-4
D liar Amounts in Thousands
RIAO
Bil
1. Total equity capital most recently reported for the December 31, 200 , Reports of Condition
and lncome (i.e., after adjustments from amended Reports of Income).... ..... ............... ..... ...............
2. Restatements due to corrections of material accounting errors and changes in accounting
1.
o
2.
3.
4.
principles............................................................................................................................................
3. Balance end of previous calendar year as restated (sum of items 1 and 2) .................... ..................
4. Net income (IOSSWmust equal Schedule RI, item ~.I~)................~t+~!:9.Mo~.~.::I...bM.k.........
5. Sale, conversion, acquisition, or retirement of capital stock, net (excluding treasury stock
transactions)....................................................................................................................................... B509
6. Treasury stock transactions, net ........................................................................................................ 6510
7. Changes incident to business combinations, net...................... ......................................... ............... 4356
5.
6.
7.
8.
9.
10.
11.
8. LESS: Cash dividends declared on preferred stock........................................................................... 4470
9. LESS: Cash dividends declared on common stock ........................................................................... 4460
10. Other comprehensive income'........................................................................................................... B511
11. Other transactions with parent holding company. (not included in items 5, 6, 8, or 9 above) ........... 4415
2. Tota equity capital end of current period (sum of items 3 through 11) (must equal Schedule RC,
item~..i.~:.'!)..................................................................................................................................
bal'l(
12.
.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
flow hedges, and pension and other postretirement plan-related changes other than net periodic benefit cost.
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
(Column B)
Recoveries
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:
(1) 1-4 family residential construction loans .................................... C891
1.a.(1 )
(2) Other construction loans and all land development and other
1.a.(2)
1.b.
land loans........................................................................................ C893
b. Secured by farmland...... ..................... ............. ................... ..................... 3584
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 first liens.................... .............. ................................ C234
(b) Secured by junior liens ....... .......................................... .............. C235
d. Secured by multifamily (5 or more) residential properties ....................... 3588
e. Secured by nonfarm nonresidential properties:
1.c.(1)
1.c.(2)(a)
1.c.(2)(b)
1.d.
(1) Loans secured by owner-occupied nonfarm nonresidential
1.e.(1 )
properties............. ................... .. .................... ................ .................. C895
1.e.(2)
(2) Loans secured by other nonfarm nonresidential properties...... C897
2. Loans to depository institutions and acceptances of other banks................ 4481
2.
3. Not applicable
4. Commercial and industrial
4.
loans ............ ........................... ............. ..............
5. Loans to individuals for household, family, and other personal
expenditures:
a. Credit cards ............................................................................................. 6514
b. Other (includes single payment, installment, all student loans,
and revolving credit plans other than credit cards).................................. 6516
6. Loans to foreign governments and official institutions ................................. 4643
7. All other loans2............................................................................................. 4644
8. Lease financing receivables......................................................................... 4266
9. Total (sum of items 1 through 8)................................................................... 4635
5.a.
6517
4627
4628
4267
4605
1 Include write-downs arising from transfers of loans to a held-for-sale account.
2 Includes charge-offs and recoveries on "Loans to finance agricultural production and other loans to farmers," "Obligations (other than
securities and leases) of states and political subdivisions in the U.S.," and "Other loans."
5.b.
6.
7.
8.
9.
FFIEC 041
Page RI.5
o
Schedule RI-B-Continued
Part I. Continued
(Column B)
Recoveries
Memoranda
Dollar Amounts in Thousands
1. Loans to finance 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. Memorandum items 2.a through 2.d are to be completed by banks with
M.1.
$300 million or more in total assets:2
a. Loans secured by real estate to non-U.S. addressees (domicile)
(included in Schedule RI-B, part i, item 1, above)...................................
b. Loans to and acceptances of foreign banks (included in Schedule
M.2.a.
M.2.b.
RI-B, part i, item 2, above) ...................................................................... 4654
c. Commercial and industrial
loans to non-U.S. addressees (domicile)
M.2.c.
(included in Schedule RI-B, part I, item 4, above)...................................
d. Leases to individuals for household, family, and other personal
expenditures (included in Schedule RI-B, part i, item 8, above) .............
3. Memorandum item 3 is to be completed by:2
. banks with $300 million or more in total assets, and
. banks with less than $300 million in total assets that have loans to
finance agricultural production and other loans to farmers
(Schedule RC-C, part i, item 3) exceeding five percent of
total
M.2.d.
loans:
Loans to finance agricultural production and other loans to farmers
(included in Schedule RI.B, part i, item 7, above.........................................
Memorandum item 4 is to be completed by banks that (1) together with affliated institutions, have
outstanding credit card receivables (as defined in the instructions) that exceed $500 million as of the
report date or (2) are credit card specialty banks as defined for Uniform Bank Performance Report
purposes.
4. Uncollectible retail credit card fees and finance charges reversed against income (i.e., not
included in charge-offs against the allowance for loan and lease losses) .........................................
M.3.
Calendar vear-to-date
RIAD I Bil Mil I Thou
C3881 I
1 Include write-downs arising from transfers of loans to a held-for-sale account.
2 The $300 milion asset size test and the five percent of total
on the June 30, 200t. Report of Condition.
i
loans test are generally based on the total assets and total
loans reported
MA.
FFIEC 041
Page RI.6
~
Schedule RI-B-Continued
Part II. Changes in Allowance for Loan and Lease Losses
Dollar Amounts in Thousands
1. Balance most recently reported for the December 31, 20 ,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) ............ ............................ ..........................
1.
2.
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) ..............................................................................
3.
4.
5.
6.
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) ...... ............... ............................................... ........... ...................
Memoranda
7.
Dollar Amounts in Thousands
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 affliated institutions,
have outstanding credit card receivables (as defined in the instructions) that exceed $500 million as
of the report date or (2) are credit card specialty banks as defned for Uniform Bank Performance
Report purposes.
2. Separate valuation allowance for uncollectible retail credit card fees and finance charges ..............
3. Amount of allowance for loan and lease losses attributable to retail credit card fees and finance
charges ..............................................................................................................................................
M.1.
M.2.
M.3.
Memorandum item 4 is to be completed by all banks.
4. Amount of allowance for post-acquisition losses on purchased impaired loans accounted for in
accordance with AICPA Statement of Position 03-3 (included in Schedule RI-B, part II, item 7,
above) ................................................................................................................................................
. Describe on Schedule RI-E-Explanations.
MA.
FFIEC 041
Page RI.7
~
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
interest income and other non
interest expense in Schedule RI. (See instructions for details.)
significant items of other non
Year-to-date
Dolla' Amounts ;n Thousands __
1. Other non
interest income (from Schedule RI. item 5.1)
Itemize and describe amounts greater than $25,00 that exceed 3% of Schedule RI, item 5.1:
a. Income and fees from the printing and sale of checks
b. Earnings onlincrease in value of cash surrender value of life insurance
c. Income and fees from automated teller machines (AlMs)
d. Rent and other income from other real estate owned
e. Safe deposit box rent
f.
Net change in the fair values of financial instruments accounted for under a fair value option
g. Bank card and credit card interchanae fees
h. ~m
i.
j.
C013
C014
C016
4042
C015
F229
F555
1.a.
1.b.
1.c.
1.d.
1.e.
1..
1.g.
1.h.
4461
4462
4463
~~~J
TEXT
4463
1.i.
1 J.
2. Other noninterest expense (from Schedule RI, item 7.d)
Itemize and describe amounts greater than $25,00 that excee 3% of Schedule RI, item 7.d:
con
a. Data processing expenses
b. Advertising and marketing expenses
c. Directors' fees
d. Printing. stationery and supplies
e. Postage
f.
Legal fees and expenses
g. FDIC deposit insurance assessments
h. Accounting and auditing expenses
Consulting and advisory expenses
Automated
teller machine (ATMl and interchange expenses
j.
k. Telecommunications exoenses
i.
i.
2.a.
2.b.
2.c.
2.d.
2.e.
0497
4136
C018
8403
~~~I
m. ~m
TEXT
n. 4468
3. Extraordinary items and other adjustments and applicable income tax effect (from Schedule RI,
4141
4146
F556
F557
F558
F559
4464
4467
4468
2.1.
2.g.
2.h.
2.i.
2J.
2.k.
2.1.
'/1,
2.m.
2.n.
item 1r!ize and describe all extraordinary items and other adjustments):
4469
a. (1) ~m
b.
I
I
I
I
4487
m ñmabie income tax effect.............................................................144861
c. ~~~ ñmabie income tax effect............................................................144881
(2) Applicable income tax effect............................................................14491 I
(i),:S',.;"
t,/r~FF,:i i;i~is)'it.; %;1s:',;:
4489
I
I
/,.).r
,,,
,';
,,;.'7's
ii.
3.a.(1)
3.a.(2)
3.b.(1)
3.b.(2)
3.c.(1)
3.c.(2)
FFIEC 041
Page RI.8
~
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. TEXT
4.a.
4.b.
5. Other transactions with parent holding company (from Schedule RI-A, item 11)
(itemize and describe all such transactions):
a.
b. tiEXT
TEXT
6. Adjustments to allowance for loan and lease losses (from Schedule RI-B, part II, item 6)
(itemize and describe all adjustments):
a.
b. BlEXT
TEXT
5.a.
5.b.
6.a.
6.b.
7. Other explanations (the space below is provided for the bank to briefly describe, at its
option, any other significant items affecting the Report of Income):
comments?........................................................................................................................................
Other explanations (please type or print clearly):
(TEXT 4769)
7.
FFIEC 041
Page RC-1
Consolidated Report of Condition for Insured Commercial ~
and State-Chartered Savings Banks for'5cptcmbcr 30, 2008 D€ctl'6-er 31) 200C¡
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 .................................................................
1.a.
1.b.
b. Interest-bearing balances2 ............................................................................................................
2. Securities:
2.a.
2.b.
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.........................................................................................................................
b. Securities purchased under agreements to resell3 .......................................................................
4. Loans and lease financing receivables (from Schedule RC-C):
a. Loans and leases held for sale............................................... .................... ...................................
b. Loans and leases, net of unearned income............................................ 8528
3.a.
3.b.
c. LESS: Allowance for loan and lease losses ............................................ 3123
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 fixed 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) ......
B529
3545
2145
2150
2130
4.a.
4.b.
4.c.
4.d.
5.
6.
7.
8.
9. Not applic8ble IN SeR. T c
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) ................ .......................... .......... .......................................
, Includes cash items in process of collection and unposted debits.
2 Includes time certificates of deposit not held for trading.
3 Includes all securities resale agreements, regardless of maturity.
3163
0426
2160
2170
10.a.
10.b.
11.
12.
INSERT E - FFIEC 041
9. Direct and indirect investments in real estate ventures ............................. ~
FFIEC 041
Page RC-2
~
Schedule RC-Continued
LIABILITIES
13. Deposits:
a. In domestic offces (sum of totals of columns A and C from Schedule R -
(1) Noninterest.bearing' ......................................................................... 6631
(2) Interest.bearing................................................................................. 6636
b. Not applicable
14. Federal funds purchased and securities sold under agreements to repurchase:
a. Federal funds purchased2 .............................................................................................................
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. and 18. Not applicable
19. Subordinated notes and debentures4 ................................................................................................
20. Other liabilities (from Schedule RC-G)...................................................................................... .........
liabilities (sum of items 13 throu h 20 .....................................................................
inon y in erest in consolidated subsidiaries.....................................................................................
21. Total
EQUITY CAPITAL
23. Perpetual preferred stock and re a Ius ............................................................
24. Common stock. ............ ...... ............................. .........
25. Surplus (exclude all surplus related to preferred stock) ....
26. a. Retained earnings .....................................
b. Accumulated other comprehe comes..................................................................
27. Other equity capital co ents6 ......................................................................................................
28. Total equit . a (sum of items 23 through 27)............................................................................... 3210
29. iabilities, minority interest, and equity capital (sum of items 21,22, and 28)............................ 3300
~ ~~riacC! Wf'H. /f'1 EfL T 13
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 penormed for the bank by independent external RCON
auditors as of any date during 200l.'-..................................................................... .................................... 6724
M.1.
Independent audit of the bank conducted in accordance with 4 =
Directors' examination of the bank conducted in accordance with
generally accepted auditing standards by a certified public
accounting firm which submits a report on the bank
generally accepted auditing standards by a certified public
accounting firm (may be required by state chartering authority)
Independent audit of the bank's parent holding company con- 5 =
2 =
Directors' examination of the bank performed by other external
auditors (may be required by state chartering authority)
ducted in accordance with generally accepted auditing standards
by a certified public accounting firm which submits a report on the con- 6 = Review of the bank's financial statements by external auditors
soli dated holding company (but not on the bank separately) 7 = Compilation of the bank's financial statements by external
3 =
Attestation on bank management's assertion on the effectiveness of the
auditors
bank's internal control over financial reporting by a 8 =
Other audit procedures (excluding tax preparation work)
No external audit work
certified public accounting firm 9 =
IN SEIZT c.
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. 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 flow hedges. and minimum
pension liability adjustments.
6 Includes treasury stock and unearned Employee Stock Ownership Plan shares.
INSERT B - FFIEC 041
22. Not applicable
EQUITY CAPITAL
Bank Equity Capital
23. Perpetual preferred stock and related surplus
24. Common stock
25. Surplus (excludes all surplus related to preferred stock)
26. a. Retained earnings
b. Accumulated other comprehensive income
c. Other equity capital components
27. a. Total bank equity capital (sum of items 23 through 26.c)
b. Noncontrollng (minority) interests in consolidated subsidiaries
28. Total equity capital (sum of items 27.a and 27.b)
29. Total
liabilties and equity capital (sum of items 21 and 28)
3838
3230
3839
3632
B530
A130
3210
3000
G105
3300
INSERT C - FFIEC 041
To be reported with the March Report of Condition.
2. Bank's fiscal year-end date ................... ...................... ............... ............ ................ .....
I:NIMMI DD I
FFIEC 041
Page RC-3
~
Schedule RC-A-Cash and Balances Due From Depository Institutions
Schedule RC.A is to be completed only by banks with $300 milion or more
in total assets. Exclude assets held for trading.
Dollar Amounts in Thousands
posted 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...............................................................................
b. Other commercial banks in the U.S. and other depository institutions in the U.S. ........................
3. Balances due from banks in foreign countries and foreign central banks:
a. Foreign branches of other U.S. banks........................................................................................... 0073
b. Other banks in foreign countries and foreign central banks...... .......... .......... ....... ......................... 0074
4. Balances due from Federal Reserve Banks....................................................................................... 0090
5. Total (sum of items 1 through 4) (must equal Schedule RC, sum of items 1.a and 1.b) .................... 0010
1. Cash items in process of collection, un
1.a.
1.b.
2.a.
2.b.
3.a.
3.b.
4.
5.
Schedule RC-B-Securities
Exclude assets held for trading.
Held-to-maturit
(ColumnA)
Amortized Cost
Dollar Amounts in Thousands RCON
1. U.S. Treasury securities.. 0211
1.
2. U.S. Government agency
obligations (exclude
mortgage-backed
securities):
a. Issued by U.S.
Government
agencies1...................
2.a.
b. Issued by U.S.
Governmentsponsored agencies2..
3. Securities issued by
2.b.
states and political
subdivisions in the U.S.... 8496
3.
1 Includes Small Business Administration "Guaranteed Loan Pool Certificates." U.S. Maritime Administration obligations. and Export-Import Bank
participation certificates.
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.
FFIEC 041
Page RC-4
~
Schedule RC-B-Continued
/(t"IMC: witt l(lsEItT F
Held-to-maturit
r (Column A) (Column B)
Amortized Cost F air Value
Dollar- Amounts in Thousands RCON RCON Bil
Available-far-sale
(Column C) (Column D)
Amortized Cost Fair Value
RCON
Mortgage-backed
s . urities (MBS):
a. P s-through
secu s:
(1) Guar teed by
GNMA...... ..........
4.a.(1)
(2) Issued
by FNMAand
FHLMC.................
4.a.(2)
(3) Other pass-
through securities.
4.a.(3)
b. Other mortgagebacked securities
(include CMOs.
REMICs, and stripped
MBS):
(1) Issued or guar-
anteed by FNMA.
FHLMC. or GNMA
4.b.(1)
(2) Collateralized by
MBS issued or
guaranteed by
FNMA. FHLMC,
orGNMA.... ........
4.b.(2)
(3) All other
mo age-backed
ecurities..............
4.b.(3)
5. A et-backed
securities (ABS) .......... ....
6. Other e t securities:
a. Other domestic debt
securities.................. ..
6.a.
b. Foreign debt
securities.................. ..
6.b.
7. Investments in mutual
funds and other equity
securities with readily
determinable fair values1 .
7.
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) ..........................
1 Report Federal Reserve stock. Federal Home Loan Bank stock, and bankers' bank stock in Schedule RC-F, item 4.
8.
INSERT F - FFIEC 041
4. Mortgage-backed
securities (MBS):
a. Residential mortgage
pass-through
securities:
(1) Guaranteed by
GNMA ..................
(2) Issued by FNMA
and FHLMC ..........
(3) Other pass-through
securities ..............
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
b. Other residential
mortgage-backed
securities (include
CMOs, REMICs, and
stripped MBS):
(1) Issued or
guaranteed by
FNMA, FHLMC, or
GNMA ..................
(2) Collateralized by
MBS issued or
guaranteed by
FNMA, FHLMC, or
GNMA ..................
(3) All other residential
MBS .....................
c. Commercial MBS:
(1) Commercial
mortgage pass-
through securities .
(2) Other commercial
MBS .....................
5. Asset-backed securities
and structured financial
products:
a. Asset-backed
securities (ABS) ........
b. Structured financial
products:
(1) Cash .....................
(2) Synthetic ...... ........
(3) Hybrid ...................
FFIEC 041
Page RC-5
~
Schedule RC-B-Continued
Memoranda
Dollar Amounts in Thousands
1. Pledged securities1 ............................................................................................................................
M.l.
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 first lien 1-4 family residential mortgages
with a remaining maturity or next repricing date of:3. 4
(1) Three months or less .............................................................................................................. A549
(2) Over three months through 12 months......................................... .......................... ................ A550
(3) Over one year through three years...... ...................................... .......... ............ ....................... A551
(4) Over three years through five years........................................................................................ A552
(5) Over five years through 15 years............................................................................................ A553
(6) Over 15 years......................................................................................................................... A554
M.2.a.(1)
M.2.a.(2)
M.2.a.(3)
M.2.a.(4)
M.2.a.(5)
M.2.a.(6)
b. Mortgage pass-through securities backed by closed-end first lien 1-4 family residential
mortgages with a remaining maturity or next repricing date of: 3, 5
(1) Three months or less ...............................~.............................................................................. A555
(2) Over three months through 12 months .... ........... .... ................................................................ A556
(3) Over one year through three years.................................. ..... ......... ............. ............ ................ A557
(4) Over three years through five years........................................................................................ A558
(5) Over five years through 15 years............................................................................................ A559
(6) Over 15 years......................................................................................................................... A560
M.2.b.(l)
M.2.b.(2)
M.2.b.(3)
M.2.b.(4)
M.2.b.(5)
M.2.b.(6)
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. Fair value.......................................................................................................................................
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 fixed rate debt securities by remaining maturity and floating 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 first 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 first
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 first 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.
M.2.c.(1)
M.2.c.(2)
M.2.d.
M.3.
M.4.a.
M.4.b.
FFIEC 041
Page RC.6
~
Schedule RC-B-Continued
Memoranda-Continued
Dollar Amounts in Thousands
Memorandum items 5.a
through 5,( are to be
completed by banks with
$1 billion or more in total
assets.'
5. Asset-backed securities
(ABS)(for each column,
sum of Memorandum
items 5.a through 5.1
must equal Schedule
RC-B, item ~ ç,a.)!
a. Credit card
receivables ..................
b. Home equity lines........
c. Automobile loans.........
M.5.a.
M.5.b.
M.5.c.
d. Other consumer
loans............................
M.5.d.
e. Commercial and
M.5.e.
industrial loans ............
f. Other ...........................
iNHrZT
G-
M.5.1.
r
1 The $1 bilion asset size test is generally based on the total assets reported on the June 30, 2oo/, Report of Condition.
INSERT G - FFIEC 041
6.
Structured financial
products by underlying
collateral or reference
assets (for each column,
sum of Memorandum
items 6.a through 6.g
must equal Schedule
RC-B, sum of items
5.b.(1) through (3)):
a. Trust preferred
securities issued by
financial institutions
b. Trust preferred
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
securities issued by
real estate investment
trusts
c. Corporate and similar
loans
d. 1-4 family residential
MBS issued or
guaranteed by U.S.
governmentsponsored
enterprises (GSEs)
e. 1-4 family residential
MBS not issued or
guaranteed by GSEs
f. Diversified (mixed)
pools of structured
financial products
g. Other collateral or
reference assets
FFIEC 041
Page RC-7
~
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 fair value, (2) loans
and leases held for investment, net of unearned income, and (3) loans and
leases accounted for at fair value under a fair value option. Exclude
assets held for trading and commercial paper.
(Column A)
To Be Completed
by Banks with
$300 Milion or More
in Total Assets1
(Column B)
To Be Completed
by All Banks
Dollar Amounts in Thousands
1. Loans secured by real estate:
a. Construction, land development, and other land loans:
1.a.(1)
(1) 1-4 family residential construction loans ....................................
(2) Other construction loans and all land development and other
land loans........................................................................................
1.a.(2)
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
1.b.
properties and extended under lines of credit..... ....... .............. ........
1.c.(1 )
(2) Closed-end loans secured by 1-4 family residential properties:
(a) Secured by first liens......................... ...... ...................................
(b) Secured by junior liens .....................,'.........................................
d. Secured by multifamily (5 or more) residential properties ............... ........
e. Secured by nonfarm nonresidential properties:
1.c.(2)(a)
1.c.(2)(b)
1.d.
(1) Loans secured by owner-occupied nonfarm nonresidential
1.e.(1)
1.e.(2)
properties...................................................................... ............. .....
(2) Loans secured by other nonfarm nonresidential properties......
2.
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.a.(1)
2.a.(2)
2.b.
(2) To other commercial banks in the U.S. ..................... ...... ........ ..... .....
b. To other depository institutions in the U.S. ..............................................
c. To banks in foreign countries:
2.c.(1)
2.c.(2)
(1) To foreign branches of other U.S. banks................ ...........................
(2) To other banks in foreign countries ...................................................
3. Loans to finance agricultural production and other loans to farmers...........
4. Commercial and industrial
3.
4.
loans..................................................................
4.a.
4.b.
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
expenditures (Le., consumer loans) (includes purchased paper):
a. Credit cards ............. ........................ ...... ............. ..................... ................
6.a.
b. Other revolving credit plans................................... ..................................
6.b.
c. Other consumer loans (includes single payment. installment, and
6.c.
all student loans) .....................................................................................
7. Loans to foreign governments and offcial institutions (including foreign
7.
central banks)...... .......... ..... ....... .............. ....... ................. ...... ................. ......
8. Obligations (other than securities and leases) of states and political
subdivisions in the U.S.................................................................................
8.
9.
9. Other loans...................................................................................................
a. Loans for purchasing or carrying securities (secured and unsecured)....
9.a.
b. All other loans (exclude consumer loans) ........ ........................ ....... ........
9.b.
r
1 The $300 milion asset size test is generally based on the total assets reported on the June 30, zoof. Report of Condition.
FFIEC 041
Page RC-8
~
Schedule RC-C-Continued
Part i. Continued
(Column A)
To Be Completed
by Banks with
$300 Milion or More
in Total Assets'
(Column B)
To Be Completed
by All Banks
Dollar Amounts in Thousands
10.
10. Lease financing receivables (net of unearned income)...............................
a. Leases to individuals for household. family. and other personal
expenditures (Le., consumer leases) .....................................................
10.a.
10.b.
b. All other leases.......................................................................................
11. LESS: Any unearned income on loans reflected in items 1-9 above .........
11.
loans and leases, net of unearned income (sum of items 1 through
10 minus item 11) (must equal Schedule RC. sum of items 4.a and 4.b)...
12. Total
Memoranda
12.
Dollar Amounts in Thousands
1. Loans and leases restructured and in compliance with modified terms (included in
Schedule RC-C. part I, and not rèported as past due or nonaccrual in Schedule RC-N.
Memorandum item 1):
a. Loans secured by 1-4 family residential properties................................................................
M.1.a.
b. Other loans and all leases (exclude 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 first liens on 1-4 family residential properties (reported in
Schedule RC-C. part i, item 1.c.(2)(a). column B. above) with a remaining maturity or next
M.1.b.
repricing date of:2. 3
b.
(1) Three months or less .............................................................................................................. A564
(2) Over three months through 12 months ....................................... ............................................ A565
(3) Over one year through three years......................................................................................... A566
(4) Over three years through five years........................................................................................ A567
(5) Over five years through 15 years........................................................................................ .... A568
(6) Over 15 years ......................................................................................................................... A569
All loans and leases (reported in Schedule RC-C. part I. items 1 through 10, column B. above)
EXCLUDING closed-end loans secured by first liens on 1-4 family residential properties
(reported in Schedule RC-C. part I. item 1.c.(2)(a). column B, above) with a remaining maturity
M.2.a.(1)
M.2.a.(2)
M.2.a.(3)
M.2.a.(4)
M.2.a.(5)
M.2.a.(6)
or next repricing date of: 2. 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 five years. ........................................................ ......... ......................
(5) Over five years through 15 years............................................................................................
(6) Over 15 years......... ........................................ ........................................................................
c. Loans and leases (reported in Schedule RC-C. part I. items 1 through 10, column B, above)
with a REMAINING MATURITY of one year or less (excluding those in nonaccrual status) ........
8
1 The $300 millon asset size test is generally based on the total assets reported on the June 30, 2001. Report of Condition.
2 Report fixed rate loans and leases by remaining maturity and floating rate loans by next repricing date.
3 Sum of Memorandum items 2.a.(1) through 2.a.(6) plus total nonaccrual closed-end loans secured by first liens on 1-4 family residential
properties included in Schedule RC-N, item 1.c.(2)(a). column C, must equal total closed-end loans secured by first liens on 1-4 family
residential properties from Schedule RC-C, part i. item 1.c.(2)(a), column B.
4 Sum of Memorandum items 2.b.(1) through 2.b.(6), plus total nonaccrualloans and leases from Schedule RC-N, sum of items 1 through 8,
column C, minus nonaccrual closed-end loans secured by first liens on 1-4 family residential properties included in Schedule RC-N.
loans and leases from Schedule RC-C. part I. sum of items 1 through 10. column B, minus total
item 1.c.(2)(a), column C, must equal total
closed-end loans secured by first liens on 1-4 family residential properties from Schedule RC-C. part I. item 1.c.(2)(a), column B.
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.
FFIEC 041
Page RC-9
~
Schedule RC-C-Continued
Part i. Continued
Memoranda-Continued
Dollar Amounts in Thousands
3. Loans to finance 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 B5...............
4. Adjustable rate closed-end loans secured by first liens on 1-4 family residential properties
(included in Schedule RC-C, part i, item 1.c.(2)(a), column B) .........................................................
5. To be completed by banks with $300 million or more in total assets:6
Loans secured by real estate to non-U.S. addressees (domicile) (included in
Schedule RC-C, part i, items 1.a through 1.e, column B) ............................................. .....................
Memorandum item 6 is to be completed by banks that (1) together with affliated institutions, have
outstanding credit card receivables (as defined in the instructions) that exceed $500 million as of the
report date or (2) are credit card specialty banks as defined for Uniform Bank Penormance Report
M.3.
M.4.
M.S.
purposes.
6. Outstanding credit card fees and finance charges included in Schedule RC-C, part I,
item 6.a. .............................................................................................................................................
M.6.
Memorandum item 7 is to be completed by all banks.
7. Purchased impaired loans held for investment accounted for in accordance with AICPA Statement
of Position 03-3 (exclude loans held for sale):
a. Outstanding balance ........ .................................. ....................................... ....................................
b. Carrying amount included in Schedule RC-C, part i, items 1 through 9........................................
M.7.a.
M.7.b.
8. Closed-end loans with negative amortization features secured by 1-4 family residential
properties:
a. Total carrying amount of closed-end loans with negative amortization features secured by
1-4 family residential properties (included in Schedule RC-C, part i, items 1.c.(2)(a) and (b)) ....
Memorandum items B.b and B.c are to be completed by banks that had closed-end loans
with negative amortization features secured by 1-4 family residential properties (as reported
in Schedule RC-C. part i, Memorandum item B.a.) as of December 31, 2001,lthat exceeded
the lesser of $100 million or 5 percent of total
loans and leases, net of unearned income
(as reported in Schedule RC-C, part i, item 12, column B).
b. Total maximum remaining amount of negative amortization contractually permitted on
closed-end loans secured by 1-4 family residential properties.....................................................
c. Total amount of negative amortization on closed-end loans secured by 1-4 family residential
properties included in the carrying amount reported in Memorandum item 8.a above .................
9. Loans secured by 1-4 family residential properties in process of foreclosure (included in
Schedule RC-C, part I, items 1.c.(1), 1.c.(2)(a), and 1.c.(2)(b) ......................................................
Memorandum items 10 and 11 are to be completed by banks that have elected to measure loans
included in Schedule RC-C, part i, items 1 through 9, at fair value under a fair value option.
10. Loans measured at fair value (included in Schedule RC-C, part i, items 1 through 9):
a. Loans secured by real estate:
(1) Construction, land development, and other land loans....................................................
(2) Secured by farmland (including farm residential and other improvements) .. ................
(3) Secured by 1-4 family residential properties:
(a) Revolving, open.end loans secured by 1-4 family residential properties and
extended under lines of credit ................................... ................. .............. ............. .......
(b) Closed-end loans secured by 1-4 family residential properties:
(1) Secured by first liens...............................................................................................
(2) Secured by junior liens.. ............ ..... ...................... ......................... ..........................
5 Exclude loans secured by real estate that are included in Schedule RC-C, part I. items l.a through 1.e, column B.
6 The $300 millon asset size test is generally based on the total assets reported on the June 30, 200l. Report of Condition.
S
M.B.a.
M.B.b.
M.B.c.
M.9.
M.10.a.(1)
M.10.a.(2)
M.10.a.(3)(a)
M.10.a.(3)(b)(1
M.10.a.(3)(b)(2
FFIEC 041
Page RC.10
~
Schedule RC-C-Continued
Part I. Continued
Memoranda-Continued
Dollar Amounts in Thousands RCON Bil
10. a. (4) Secured by multifamily (5 or more) residential properties ............................................... F583
(5) Secured by nonfarm nonresidential properties ................................................................. F584
b. Commercial and industrial
loans.................................................
.............................................. F585
c. Loans to individuals for household, family, and other personal expenditures
(i.e., consumer loans) (includes purchased paper):
(1) Credit cards................................................ ...........................................................................
(2) Other revolving credit plans................................................................................................
(3) Other consumer loans (includes single payment, installment, and all student loans)..
d. Other loans...................................................................................................................................
11. Unpaid principal balance of loans measured at fair value (reported in Schedule RC-C,
part i, Memorandum item 10):
a. Loans secured by real estate:
(1) Construction, land development, and other land loans....................................................
(2) Secured by farmland (including farm residential and other improvements) ...... ............
(3) Secured by 1-4 family residential properties:
(a) Revolving, open-end loans secured by 1-4 family residential properties and
extended under lines of credit ......................................................................................
(b) Closed-end loans secured by 1-4 family residential properties:
(1) Secured by first liens............................................................................................... F593
(2) Secured by junior liens....................................... ........................ ... .......................... F594
(4) Secured by multifamily (5 or more) residential properties ............................................... F595
(5) Secured by nonfarm nonresidential properties................................................................. F596
b. Commercial and industrial loans ...................................... ...... ................................................... F597
c. Loans to individuals for household, family, and other personal expenditures
Mil Thou
M.10.a.(4)
M.10.a.(5)
M.10.b.
M.10.c.(1)
M.10.c.(2)
M.10.c.(3)
M.10.d.
M.11.a.(1)
M.11.a.(2)
M.11.a.(3)(a)
M.11.a.(3)(b)(1;
M.11.a.(3)(b)(2;
M.11.a.(4)
M.11.a.(5)
M.11.b.
(i.e., consumer loans) (includes purchased paper):
(1) Credit cards........................................................................................................................... F598
(2) Other revolving
credit plans ..... ........................ .......... ...... ............... ......................... ..... ...... F599
(3) Other consumer loans (includes single payment, installment, and all student loans).. F600
d. Other loans................................................................................................................................... F601
IÑ!ERT 1)
'N~EQ.i H
M.11.c.(1)
M.11.c.(2)
M.11.c.(3)
M.11.d.
INSERT 0 - FFIEC 041
(Column A)
(Column B)
(Column C)
Fair value of
Gross contractual
amounts receivable
at acquisition date
Best estimate at
acquisition date of
contractual cash
flows not expected
to be collected
acquired loans and
leases at acquisition
date
12.
Loans (not subject to the
requirements of AICPA Statement
of Position 03-3) and leases held for
investment that were acquired in
business combinations with
acquisition dates in the current
calendar year:
a. Loans secured by real estate ..
b.
c.
d.
Commercial and industrial
loans ........................................
Loans to individuals for
household, family, and other
personal expenditures .............
leases ..
All other loans and all
RCON
Bil
Mil
Thou
RCON
Bil
Mil
Thou
RCON
G091
G092
G093
G094
G095
G096
G097
G098
G099
G100
G101
G102
INSERT H - FFIEC 041
13. To be completed by banks that had construction, land
development, and other land loans (as reported in
Schedule RC-C, part i, item 1.a, column B) that exceeded
100 percent of
total risk-based capital (as reported
in Schedule RC-R, item 21) as of December 31, 2008.
Construction, land development, and other land loans with interest
reserves:
a. Amount of loans that provide for the use of interest reserves
(included in Schedule RC-C, part i, item 1.a, column B) .................
b. Amount of interest capitalized from interest reserves on
construction, land development, and other land loans that is
included in interest and fee income on loans during the quarter
(included in Schedule RI, item 1.a.(1 )(b)) ........................................
Memorandum item 14 is to be completed by all banks.
14. Pledged loans and leases ......................................................................
Bil
Mil
Thou
FFIEC 041
Page RC.lOa
Schedule RC-C-Continued
122al
Part II. Loans to Small Businesses and Small Farms
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. (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.
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" reported
in Schedule RC-C, part I, items 1.e.(1) and 1.e.(2). and all or substantially all of the dollar
volume of your bank's "Commercial and industrial loans" reported in Schedule RC-C, part I,
item 4,' have original amounts of $100.000 or less (If your bank has no loans outstanding in
1.
both ofthese 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.
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" reported in
Schedule RC-C. part I. items 1.e.(1) and 1.e.(2) (Note: Sum of
items 1.e.(1) and 1.e.(2) divided by the number of loans should NOT
exceed $100,000.)...................................................................................
loans" reported in Schedule RC-C,
b. "Commercial and industrial
2.a.
part I. item 4.' (Note: Item 4.1 divided by the number of loans should
2.b.
NOT exceed $100,000.) ..........................................................................
(ColumnA)
Dollar Amounts in Thousands
Number of Loans
3. Number and amount currently outstanding of "Loans secured by
nonfarm nonresidential properties" reported in Schedule RC-C, part I,
items 1.e.(1) and 1.e.(2) (sum of items 3.a through 3.c must be less than
or equal to Schedule RC-C. part I, sum of items 1.e.(1) and 1.e.(2)):
3.a.
3.b.
3.c.
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
loans" reported in Schedule RC-C. part I. item 4' (sum of items
4.a through 4.c must be less than or equal to Schedule RC-C, part I.
item 41):
industrial
a. With original amounts of $100.000 or less............................................ 5570
b. With original amounts of more than $100.000 through $250.000......... 5572
c. With original amounts of more than $250.000 through $1.000.000...... 5574
5571
4.a.
5573
5575
4.b.
4.c.
1 Banks with $300 millon or more in total assets should provide the requested information for "Commercial and industrial loans. based on the loans
loans to U.S. addressees.
reported in Schedule RC-C. part i, item 4.a, column A, .Commercial and industrial
FFIEC 041
Page RC-10b
Schedule RC-C-Continued
122bl
Part II. Continued
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)" reported in Schedule RC-C. part I. item 1.b, and all or substantially all
of the dollar volume of your bank's "Loans to finance agricultural production and other
loans to farmers" reported in Schedule RC-C, part I, item 3, 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...).............................................................................
5.
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.
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
mprovements)" reported in Schedule RC-C, part I, item 1.b,
(Note: Item 1.b divided by the number of loans should NOT exceed
$100,000.) ...............................................................................................
b. "Loans to finance agricultural production and other loans to farmers"
reported in Schedule RC-C, part I. item 3 (Note: Item 3 divided by the
number of loans should NOT exceed $100.000.)....................................
6.a.
6.b.
(ColumnA)
Dollar Amounts in Thousands
Number of Loans
7. Number and amount currently outstanding of "Loans secured by
farmland (including farm residential and other improvements)" reported
in Schedule RC-C. part I. item 1.b (sum of items 7.a through 7.c must be
less than or equal to Schedule RC-C. part I. item 1.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.........
7.a.
7.b.
7.c.
8. Number and amount currently outstanding of "Loans to finance
agricultural production and other loans to farmers" reported in
Schedule RC-C. part I, item 3 (sum of items 8.a through 8.c must be
less than or equal to Schedule RC-C. part I, item 3):
a. With original amounts of $100.000 or less............................................ 5584
b. With original amounts of more than $100.000 through $250.000......... 5586
c. With original amounts of more than $250.000 through $500.000......... 5588
5585
5587
5589
8.a.
8.b.
8.c.
FFIEC 041
Page RC-11
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 milion or
more in any of the four preceding calendar quarters.
~
/NJfllí r
Dollar Amounts in Thousands
ASSETS
1. U.S. Treasury securities.....................................................................................................................
2. U.S. Government agency obligations (exclude mortgage-backed securities)....................................
3. Securities issued by states and olitical subdivisions in the U.S. ......................................................
e-backed securities (MBS):
a. Pass-throug . ued or guaranteed by FNMA, FHLMC, or GNMA.......................
b. Other mortgage-backed securities issue ed by FNMA, F MA
(include CMOs, REMICs, and stripped MBS) .... ...............................
c. All other mortgage-back .....................................................................................
5. urities..........................................................................................................................
4.b.
4.c.
5.
6. loans:
a. loans secured by real estate:
(1) Construction, land development, and other land loans....................................................
(2) Secured by farmland (including farm residential and other improvements) ..................
6.a.(1)
6.a.(2)
(3) Secured by 1-4 family residential properties:
(a) Revolving, open-end loans secured by 1-4 family residential properties and
extended under lines of credit......................................................................................
(b) Closed-end loans secured by 1-4 family residential properties:
(1) Secured by first liens............................................................................................... F607
(2) Secured by junior liens............................................................................................ F611
(4) Secured by multifamily (5 or more) residential properties ................... ............................ F612
(5) Secured by nonfarm nonresidential properties ................................................................. F613
b. Commercial and industrial
loans.............................................
.................................................. F614
6.a.(3)(a)
6.a.(3)(b)(1 )
6.a.(3)(b)(2)
6.a.(4)
6.a.(5)
6.b.
c. loans to individuals for household, family, and other personal expenditures
(i.e., consumer loans) (includes purchased paper):
(1) Credit cards...........................................................................................................................
(2) Other revolving credit plans ...................... ...... .............. ........... ......................... ............ ......
(3) Other consumer loans (includes single payment, installment, and all student loans)..
d. Other loans ...... ........................................................... ... ......... .... ... ...................... ................... .....
6.c.(1)
6.c.(2)
6.c.(3)
6.d.
7. and 8. Not applicable
9. Other trading assets...........................................................................................................................
9.
10. Not applicable
11. Derivatives with a positive fair value .............................. ..................... ................... ........... .................
11.
12. Total trading assets (sum of items 1 through 11) (must equal Schedule RC, item 5) ........................
12.
LIABILITIES
13. a. Liability for short positions............................................................................................................. 3546
b. Other trading liabilities ....................... .......................... .......... .......... ........... ...... ......................... F624
14. Deriuatives with a negative fair value................................................................................................. 3547
15. Total trading liabilities (sum of items 13.a. through 14) (must equal Schedule RC, item 15)............. 3548
13.a.
13.b.
14.
15.
INSERT 1- FFIEC 041
4. Mortgage-backed securities (MBS):
a. Residential pass-through securities issued or guaranteed by
FNMA, FHLMC, or GNMA ............ .................... ....... ....... ............. ..... XX
b. Other residential MBS issued or guaranteed by FNMA, FHLMC, or
GNMA (include CMOs, REMICs, and stripped MBS) ....................... XX
c. All other residential MBS ................................................... ................ XX
d. Commercial MBS ...... ................. ....... ........ ...... ........................ ..... ..... XX
5. Other debt securities
a. Structured financial products:
(1) Cash ............................................................................................. XX
(2) Synthetic ............... .......... .................. ....... ......... ..... ...................... XX
(3) Hybrid ........................................................................................... XX
b. All other debt securities ................................................. .................... XX
FFIEC 041
Page RC-12
~
Schedule RC-D-Continued
Memoranda
Dollar Amounts in Thousands
1. Unpaid principal balance of loans measured at fair value (reported in Schedule RC-D,
items 6.a.(1) through 6.d):
a. loans secured by real estate:
(1) Construction, land development, and other land loans....................................................
(2) Secured by farmland (including farm residential and other improvements) ..................
M.1.a.(1)
M.1.a.(2)
(3) Secured by 1-4 family residential properties:
(a) Revolving, open-end loans secured by 1-4 family residential properties and
extended under lines of credit......................................................................................
M.1.a.(3)(a)
(b) Closed-end loans secured by 1-4 family residential properties:
(1) Secured by first liens............................................................................................... F628
(2) Secured by junior liens............................................................................................ F629
(4) Secured by multifamily (5 or more) residential properties .......................................... ..... F630
(5) Secured by nonfarm nonresidential properties .......... ................................ ....................... F631
b. Commercial and industrial
loans...............................................
................................................ F632
c. loans to individuals for household, family, and other personal expenditures
(i.e., consumer loans) (includes purchased paper):
(1) Credit cards...........................................................................................................................
(2) Other revolving credit plans................................................................................................
(3) Other consumer loans (includes single payment, installment, and all student loans)..
d. Other loans .......... .............................................................. .............. .......................... ...... ............
M.1.a.(3)(b)(1)
M.1.a.(3)(b)(2)
M.1.a.(4)
M.1.a.(5)
M.1.b.
M.1.c.(1)
M.1.c.(2)
M.1.c.(3)
M.1.d.
~. Net 8l'l'lie8b~
L 1. loans measured at fair value that are past due 90 days or more
a. Fair value......................................................................................................................................
b. Unpaid principal balance............................................................................................................
1.
M."i.a.
M."i.b.
z.
INt6R.T :r
Memorandum items ¡ through 10 are to be completed by banks that reported average
trading assets (Schedule RC-K, item 7) of $1 bilion or more in any of the four preceding
calendar quarters.
b. ~ Asset-backed securities:
8.. ~ Credit card receivables............................................................................................................... F643
~. l(. Home equity lines........................................................................................................................ F644
c. 1i. Automobile loans........................................................................................................................ F645
M.-+. 5.6. i
d. ~ Other consumer loans................................................................................................................ F646
M.4: 5.d.
.............................. F647
t, h. Other............................................................................................................................................. F648
M.4. 5. ~ .
~. '§ Commercial and industrial
loans.................................................................
M.4.S,I".
M.4. 5",c.,
M.4. 5,r,
obli ations:
a. Synthetic.. ............................ ......... ............ ......
M.7.a.
M.7.b.
M.8.
INSERT J - FFIEC 041
3. Structured financial products by underlying collateral or reference assets
(sum of Memorandum items 3.a through 3.g must equal Schedule RC-D,
sum of items 5.a.(1) through (3)):
a. Trust preferred securities issued by financial institutions ................... ......... XX
b. Trust preferred securities issued by real estate investment trusts ..... ......... XX
c. Corporate and similar loans .......................... ....... ................... ........ ............. XX
d. 1-4 family residential MBS issued or guaranteed by U.S. governmentsponsored enterprises (GSEs) ....................................................................
e. 1-4 family residential MBS not issued or guaranteed by GSEs ....... ............
f. Diversified (mixed) pools of structured financial products ...........................
g. Other collateral or reference assets ............ .......... ..... ..... ......... ........ ............
4. Pledged trading assets:
a. Pledged securities .......... ........... ............. ....... .......... ..... ................................
b. Pledged loans ....... ......... ............. ............. ....... ............. ......... ......... ..............
FFIEC 041
Page RC-13
~
Schedule RC-D-Continued
Memoranda-Continued
Dollar Amounts in Thousands
9. Other trading assets (itemize and describe amounts included in Schedule RC-D, item 9,
that are reater than $25,000 and exceed 25% of the item):
M.9.a.
M.9.b.
M.9.c.
a. TEXT
b. TEXT
C. im
1 D. Other trading liabilties (itemize and describe amounts included in Schedule RC-D, item
~~'~b;:;t are greater than $25,00 and exceed 25% of the item):
b. TEXT.
C. mó
F658
F659
F660
M.1D.a.
M.10.b.
M.1D.c.
FFIEC 041
Page RC.14
~
Schedule RC-E-Deposit Liabilities
Nontransaction
Accounts
Transaction Accounts
(ColumnA)
Total transaction
accounts (including
total demand
deposits)
(Column B)
Memo: Total
demand deposits
(included in
columnA)
Dollar Amounts in Thousands
(Column C)
Total
nontransaction
accounts
(including MMDAs)
RCON
Deposits of:
1. Individuals, partnerships, and corporations
(include all certified and offcial 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 offcial institutions
1.
2.
3.
(including foreign central banks) .. .........................
6.
7. Total (sum of items 1 through 6) (sum of
columns A and C must equal Schedule RC,
item 13.a) ..............................................................
7.
Memoranda
4.
5.
Dollar Amounts in Thousands
1. Selected components of total deposits (Le., sum of item 7, columns A and C):
Individual Retirement Accounts (IRAs) and Keogh Plan accounts ..... ..................................
a. Total
b. Total brokered deposits ............ .......... ............. ............................ ....................... .... ............. ..... .....
c. Fully insured broke
M.1.a.
M.1.b.
red deposits (included in Memorandum item 1.b above):'
(1) Brokered deposits issued in denominations of less than $100,00 ................................
(2) Brokered deposits issued in denominations of $100,000 and certain broke
M.1.c.(1)
red
retirement deposit accounts........ ........................................................... ................... ..........
d. Maturity data for brokered deposits:
(1) Brokered deposits issued in denominations of less than $100,000 with a remaining
M.1.c.(2)
maturity of one year or less (included in Memorandum item 1.c.(1) above) ...........................
M.1.d.(1)
(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
M.1.d.(2)
M.1.e.
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.2.a.(1)
M.2.a.(2)
M.2.b.
M.2.c.
(1) Individual Retirement Accounts (IRAs) and Keogh Plan accounts included in
Memorandum item 2.c, "Total time deposits of $100,000 or more," above.............................
M.2.c.(1)
, Report brokered retirement deposit accounts eligible for $250,000 in deposit insurance coverage in Memorandum item 1.c.(1) only if they have been
issued in denominations of less than $100,000 (see instructions). Report brokered retirement deposit accounts in Memorandum item 1.c.(2) if they have
been issued either in denominations of exactly $100,000 through exactly $250,000 or in denominations greater than $250,000 and participated out by the
broker in shares of exactly $100,000 through exactly $250,000 or less.
FFIEC 041
Page RC-15
~
Schedule RC-E-Continued
Memoranda-Continued
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...... ........ ....... ....................................................................
(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........................................................
1 Report fixed rate time deposits by remaining maturity and floating 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 fixed and floating rate time deposits by remaining maturity. Exclude floating 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.
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.
FFIEC 041
Page RC-16
~
Schedule RC-F-Other Assets.
Dollar Amounts in Thousands RCON Bil
Mil Thou
1.
2.
1. Accrued interest receivable1 .............................................................................................................. B556
2. Net deferred tax assets2 .................................................................................................................... 2148
3. Interest-only strips receivable (not in the form of a security)3 on:
3.a.
3.b.
a. Mortgage loans..............................................................................................................................
b. Other financial assets....................................................................................................................
4. Equity securities that DO NOT have readily determinable fair values4 ........... ....................... ............
4.
5.
5. Life insurance assets .........................................................................................................................
6. All other assets (itemize and describe amounts greater than $25,000 that exceed 25% of this
item) ...................................................................................................................................................
a.
Pre aid ex enses 2166
b. Re ossessed ersonal ro ert includin vehicles 1578
6.
6.a.
6.b.
c. Derivatives with a positive fair value held for purposes other
than tradin
d. Retained interests in accrued interest receivable related to
6.c.
securitized credit cards C436
e.
3549
f. ~~~¡
~~~ 3550
6.d.
6.e.
g. ~~~;r 3551
6.1.
6.g.
7.
7. Total (sum of items 1 through 6) (must equal Schedule RC, item 11)................................................
Schedule RC-G-Other Liabilities
Dollar Amounts in Thousands
RCON
Bil
Mil
Thou
1. a. Interest accrued and unpaid on deposits 5 ............... ..................................................................... 3645
b. Other expenses accrued and unpaid (includes accrued income taxes payable) .......................... 3646
2. Net deferred tax liabilities2 ...................... ............ ........................ .......... ........................................ ..... 3049
1.a.
1.b.
3. Allowance for credit losses on off-balance sheet credit exposures.. ............................... ......... .......... B557
2.
3.
4. All other liabilities (itemize and describe amounts greater than $25,000 that exceed 25%
of this item).........................................................................................................................................
4.
a.
Accounts a able 3066
b. Deferred com ensation liabilties COll
c. Dividends declared but not et a able 2932
than ~m
tradin
COL 2
e.
3552
f.
g. ~m
~m 3553
3554
4.a.
4.b.
4.c.
d. Derivatives with a negative fair value held for purposes other
5. Total (sum of items 1 through 4) (must equal Schedule RC, item 20)................................................
, Includes 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-far-sale securities in Schedule RC, item 2.b, or as trading assets
in Schedule RC, item 5, as appropriate.
4 Includes Federal Reserve stock, Federal Home Loan Bank stock, and bankers' bank stock.
S For savings banks, include "dividends" accrued and unpaid on deposits.
4.d.
4.e.
4.1.
4.g.
5.
FFIEC 041
Page RC-17
~
Schedule RC-K-Quarterly Averages1
Dollar Amounts in Thousands
ASSETS
1. Interest-bearing balances due from depository institutions................................................................
1.
2. U.S. Treasury securities and U.S. Government agency obligations2 (excluding
mortgage-backed securities) ..........................................................................................................
3. Mortgage-backed securities2 .............................................................................................................
4. All other securities2, 3 (includes securities issued by states and political subdivisions in the
U.S.)...................................................................................................................................................
5. Federal funds sold and securities purchased under agreements to resell.........................................
2.
3.
4.
5.
6. Loans:
loans ........................ .................................................................................. ...........................
b. Loans secured by real estate:
(1) Loans secured by 1-4 family residential properties .........................................................
(2) All other loans secured by real estate.................................... ............... .............................
c. Commercial and industrial loans ...................................................................................................
a. Total
6.a.
6.b.(1)
6.b.(2)
6.c.
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) ...........................................................................................................
7. To be completed by banks with $100 million or more in total assets:4
Trading assets................................................. ... ................. ....................................... ........................
8. Lease financing receivables (net of unearned income)......................................................................
6.d.(1)
6.d.(2)
9. Totalassets5......................................................................................................................................
7.
8.
9.
LIABILITIES
10. Interest-bearing transaction accounts (NOW accounts. ATS accounts, and telephone and
preauthorized transfer accounts) (exclude demand deposits) ....... ....................................................
10.
11. Nontransaction accounts:
a. Savings deposits (includes MMDAs) ...........................................................................................
b. Time deposits of $100.000 or more...............................................................................................
c. Time deposits of less than $100.000.............................................................................................
12. Federal funds purchased and securities sold under agreements to repurchase ...............................
13. To be completed by banks with $100 million or more in total assets.4
Other borrowed money (includes mortgage indebtedness and obligations under
capitalized leases)..............................................................................................................................
11.a.
11.b.
11.c.
12.
13.
Memorandum
Memorandum item 1 is to be completed by.4
banks with $300 million or more in total assets, and
banks with less than $300 millon in total assets that have loans to finance agricultural
production and other loans to farmers (Schedule RC-C, part i, item 3) exceeding five percent
of total loans.
1. Loans to finance agricultural production and other loans to farmers .................. ......... ............. .........
M.1.
1 For all items, banks have the option of reporting either (1) an average of DAILY figures for the quarter. or (2) an average of WEEKLY figures
(i.e., the Wednesday of each week of the quarter).
2 Quarterly averages for all debt securities should be based on amortized cost.
3 Quarterly averages for all equity securities should be based on historical cost. I
4 The asset size tests and the five percent of total
loans test are generally based on the total assets and total
loans reported on the June 30, 200f.
Report of Condition.
S The quarterly average for total assets should reflect all debt securities (not held for trading) at amortized cost, equity securities with readily determinable
fair values at the lower of cost or fair value, and equity securities without readily determinable fair values at historical cost.
FFIEC 041
Page RC-18
Schedule RC-L-Derivatives and Off-Balance Sheet Items
§J
Please read carefully the instructions for the preparation of Schedule RC-L. Some of the amounts
reported in Schedule RC-L are regarded as volume indicators and not necessarily as measures of risk.
Dollar Amounts in Thousands
1. Unused commitments:
a. Revolving, open-end lines secured by 1-4 family residential properties, e.g., home equity
lines...............................................................................................................................................
b. Credit card lines................................................................ ...... ........... ...........................................
c. (1) Commitments to fund commercial real estate, construction, and land development loans
1.a.
1.b.
secured by real estate:
(a) 1-4 family residential construction loan commitments..............................................
(b) Commercial real estate, other construction loan, and land
development loan commitments............................... .......... ................................ ..........
(2) Commitments to fund commercial real estate, construction, and land development loans
NOT secured by real estate......... .......... .................................. .......................................... .....
d. Securities underwriting.......................... ....................................... ................ ................. ..... ...........
e. Other unused commitments ............................................................................... ...........................
2. Financial standby letters of credit......................................................................................................
. a. Amount of financial standby letters of credit conveyed to others ........... 3820
~. Performance standby letters of credit ................................................................................................
a. Amount of performance standby letters of credit conveyed to others.... 3822
4. Commercial and similar letters of credit.............................................................................................
1.c.(1 Ha)
1.c.(1 Hb)
1.c.(2)
1.d.
1.e.
2.
2.a.
3.
3.a.
4.
5. Not applicable
6. Securities lent (including customers' securities lent where the customer is
indemnified against loss by the reporting bank).................................................................................
S,td Prot~ho"
IN)~R.T K
6.
(Column B)
? IA r-cA1U ~ p",;-t. Ji ,,"
7. Credit derivatives:
a. Notional amounts:
(1) Credit default swaps.. ....... .......... .......... .....
(2) Total return swaps......................................
(3) Credit options ......... ....................................
(4) Other credit derivatives..............................
b. Gross fair values:
(1) Gross positive fair value.............................
(2) Gross negative fair value. ...... ....... ............. e220 C222
8. Spot foreign exchange contracts.............................................................................................. ..........
9. All other off-balance sheet liabilties (exclude derivatives) (itemize and describe each component
of this item over 25% of Schedule RC, item 28, "Total equity capital") ..............................................
a. Securities borrowed 3432
b. Commitments to purchase when-issued securities 3434
c. Standby letters of credit issued by
7.b.(1)
7.b.(2)
8.
9.
9.a.
9.b.
a Federal Home Loan Bank on the
bank's behalf
d'13~rs
. f. TEi 3557
e. ~~¡
10. All other off-balance sheet assets (exclude derivatives) (itemize and describe each component
of this item over 25% of Schedule RC, item 28, "Total equity capital" ..............................................
b.
c.
d.
e.
7.a.(1)
7.a.(2)
7.a.(3)
7.a.(4)
1m
5592
1m
5593
1~~ 5594
1~rs
5595
a. Commitments to sell when.issued securities 3435
9.c.
9.d.
9.e.
9.1.
10.
10.a.
10.b.
10.c.
10.d.
10.e.
Ihl1 3.n. ¡'¡ ¡. 1,.: (;i"'l'de.4 h7 /ni..ks L"ì~ ;. "':Iii... 0;' ~or~ ,~ -hie.1 ~jdr.;
BQ"" 2.'l.i..' fu bil c:i'hl/~~J. 1', b.i../c WI'! f h.l/,oil o¡-mc.,'t I" h-kl t:s¡dJ. i
~e. 'I i,"'Uol1 e.uó!f ¡ii.e. "fsf i'J gc,le~/ly bCtJolcl Oil fle.ftd~..' a.Ui!.:k r~rrrci:" t'J"14l1e. 3,;.1 Z.c(9)
¡2c.p'rr'cF ~,'ho'\.
INSERT K - FFIEC 041
c. Notional amounts by regulatory capital treatment:
(1) Positions covered under the Market Risk Rule:
(a) Sold protection ........................................................................................
(b) Purchased protection ..............................................................................
(2) All other positions:
(a) Sold protection ........................................................................................ xx
(b) Purchased protection that is. recognized as a guarantee for regulatory
capital purposes ...................................................................................... xx
(c) Purchased protection that is not recognized as a guarantee for
regulatory capital purposes ...... .............. ..... ....... ........... .......... ............... xx
of:
(Column A)
(Column C)
Over Five Years
One Year or Less
d. Notional amounts by
remaining maturity:
Thou
(1) Sold credit protection:
(a) Investment grade .........
(b) Subinvestment grade ...
(2) Purchased credit
protection:
(a) Investment grade ......... XX
(b) Subinvestment grade... XX
XX
XX
XX
XX
FFIEC 041
Page RC.19
§J
Schedule RC-L-Continued
Thou
11. Year-to-date merchant credit card sales volume:
a. Sales for which the reporting bank is the acquiring bank.............................................................. C223
b. Sales for which the reporting bank is the agent bank with risk...... ................................................ C224
Dollar Amounts in Thousands
(Column A)
Interest Rate
Contracts
11.a.
11.b.
(Column B)
(Column C)
(Column D)
Foreign Exchange
Contracts
Equity Derivative
Commodity and
Contracts
Other Contracts
Derivatives Position Indicators
12. Gross amounts (e.g.. notional
amounts) (for each column. sum of
items 12.a through 12.e must equal
sum of items 13 and 14):
a. Futures contracts................. ............
b. Forward contracts............................
c. Exchange-traded option contracts:
12.a.
12.b.
(1) Written options..........................
12.c.(1)
(2) Purchased options ....................
d. Over-the-counter option contracts:
12.c.(2)
(1) Written options..........................
12.d.(1)
(2) Purchased options ....................
12.d.(2)
e. Swaps..............................................
13. Total gross notional amount of
derivative contracts held for trading.....
14. Total gross notional amount of
derivative contracts held for
purposes other than trading.................
a. Interest rate swaps where the
bank has agreed to pay a
fixed rate..........................................
15. Gross fair values of derivative
12.e.
13.
14.
14.a.
contracts:
a. Contracts held for trading:
(1) Gross positive fair value............
15.a.(1)
(2) Gross negative fair value..........
b. Contracts held for purposes other
than trading:
(1) Gross positive fair value............
15.a.(2)
(2) Gross negative fair value ..........
15.b.(2)
INScRí L
15.b.(1)
INSERT L - FFIEC 041
1
Memorandum item 16 is to be completed only by banks with total assets of $10 billon or more.
(Column A)
Banks and
Securities Firms
(Column B)
Monoline
Column C)
Hedge Funds
Financial
Guarantors
Column D)
16. Over-the counter
derivatives:
a. Net current credit
exposure .....................
b. Fair value of collateral:
(1) Cash - U.S. dollar..
(2) Cash - Other
(Column E)
Corporations and
Sovereign
All Other
Governments
Counterparties
r".~
RCON Bil Mil Thou RCON Bil Mil Thou RCON Bil Mil Thou RCON Bil Mil Thou RCON Bil Mil Thou
XX XX XX
~'i"",:;"",.'~'~'
XX
XX XX XX
XX
XX
currencies ..............
XX
XX
XX
XX
XX
(3) U.S. Treasury
securities ...............
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
through (7)) ... ........ XX
XX
XX
XX
XX
(4) U.S. Government
agency and U.S.
Governmentsponsored agency
debt securities .......
(5) Corporate bonds ...
(6) Equity securities ....
(7) All other collateral ..
(8) Total fair value of
collateral (sum of
items 16.b.( 1 )
1 The $10 billon asset size test is generally based on the total assets reported on the June 30,2008, Report of Condition.
FFIEC 041
Page RC-20
§J
Schedule RC-M-Memoranda
Dollar Amounts in Thousands
1. Extensions of credit by the reporting bank to its executive officers, directors, principal
shareholders, and their related interests as of the report date:
a. Aggregate amount of all extensions of credit to all executive offcers, directors, principal
shareholders, and their related interests.......................................................................................
b. Number of executive officers, directors, and principal shareholders to whom the amount of all
extensions of credit by the reporting bank (including extensions of credit to
related interests) equals or exceeds the lesser of $500,000 or 5 percent
of total capital as defined for this purpose in agency regulations...................... 6165
1.a.
1.b.
2. Intangible assets other than goodwil:
a. Mortgage servicing assets................................................................................ .... ....................
b.
(1) Estimated fair value of mortgage servicing assets............................ A590
mortgage servicing assets......................................
Purchased credit card relationships and non
c. All other identifiable intangible assets ............. .............. ...................................................... ..........
d. Total (sum of items 2.a, 2.b, and 2.c) (must equal Schedule RC, item 10.b) ................................
3. Other real estate owned:
~ I .~ Construction, land development, and other land .................................................................... 5508
b i ~ Farmland................................................................................................................................. 5509
C. ~ 1-4 family residential properties............................................................................................. 5510
el. N Multifamily (5 or more) residential properties.......................................................................... 5511
e. "t Nonfarm nonresidential properties.......................................................................................... 5512
l. ~ Foreclosed properties from "GNMA loan~.th.ri.~~...~.J;.L.............................................. C979
9. '" Total (sum of items 3.a BREI ~.~ust equal Schedule RC, item 7) ............................................. 2150
. ... .
2.a.
2.a.(1)
2.b.
2.c.
2.d.
3~~,
3.1r b.
3.&: c.
3.~&.
3.~e.
3.~.t
3:'j.
4. 1t96tFRQRt~ iR l:ReeR6eliElate~ ~tJbsidililie~ 1I1'd lis~oei8te~ eeffI38"ies- NotlC"ph'l"Ic.
5. Other borrowed money:
a. Federal Home Loan Bank advances:
(1) Advances with a remaining maturity or next repricing date of:1
(a) One year or less................................................................................................ ...............
(b) Over one year through three years................ ......... ........ ............. ........ ...... .......................
(c) Over three years through five years ............................... ....... .................... .......................
(d) Over five years ........ ... .......... ............. ................................... .......... ...... ........ ...... ....... .......
5.a.(1Ha)
5.a.(1Hb)
5.a.(1Hc)
5.a.(1Hd)
(2) Advances with a REMAINING MATURITY of one year or less (included in item 5.a.(1Ha)
above)2....................................................................................................................................
(3) Structured advances (included in items 5.a.(1 Ha) - (d) above).. ......... ...... ................ ....... ......
5.a.(2)
5.a.(3)
b. Other borrowings:
(1) Other borrowings with a remaining maturity or next repricing date of:3
(a) One year or less...............................................................................................................
(b) Over one year through three years....... ............. .................... ...........................................
(c) Over three years through five years .... .......................... .......... ............... ................ ..........
(d) Over five years ................ ........... ............ ............. ............. ........................ ...... ........... .......
(2) Other borrowings with a REMAINING MATURITY of one year or less (included in item
5.b.(1 Ha) above)4 ....................................................................................................................
5.b.(1Ha)
5.b.(1Hb)
5.b.(1 Hc)
5.b.(1Hd)
5.b.(2)
c. Total (sum of items 5.a.(1Ha)-(d) and items 5.b.(1Ha)-(d)) (must equal Schedule RC,
item 16) ........................................................................................................................................
5.c.
1 Report fixed rate advances by remaining maturity and floating rate advances by next repricing date.
2 Report both fixed and floating rate advances by remaining maturity. Exclude floating rate advances with a next repricing date of one year or less that
have a remaining maturity of over one year.
3 Report fixed rate other borrowings by remaining maturity and floating rate other borrowings by next repricing date.
4 Report both fixed and floating rate other borrowings by remaining maturity. Exclude floating rate other borrowings with a next repricing date of one
year or less that have a remaining maturity of over one year.
FFIEC 041
Page RC-21
§J
Schedule RC-M-Continued
Dollar Amounts in Thousands
6. Does the reporting bank sell private label or third party mutual funds and annuities?.......................
6.
7. Assets under the reporting bank's management in proprietary mutual funds and annuities..............
7.
8. Primary Internet Web site address of the bank (home page), if any
(Example: ww.examplebank.com)
I ~~i Ihttp://
9. Do any of the bank's Internet Web sites have transactional capabilty, Le., allow the bank's
customers to execute transactions on their accounts through the Web site? ....................................
8.
9.
10. Secured liabilities:
a. Amount of "Federal funds purchased" that are secured (included in Schedule RC, item 14.a)....
b. Amount of "Other borrowings" that are secured (included in Schedule RC-M,
10.a.
items 5.b.(1)(a)-(d)) ......................................................................................................................
10.b.
INSERT M
INSERT M - FFIEC 041
11. Does the bank act as trustee or custodian for Individual Retirement
Accounts, Health Savings Accounts, and other similar accounts?
12. Does the bank provide custody, safekeeping, or other services
involving the acceptance of orders for the sale or purchase of
securities? ..............................................................................................
FFIEC 041
Page RC-22
Schedule RC-N-Past Due and Nonaccrual Loans, Leases, and Other Assets
(ColumnA)
Past due
30 through 89
days and stil
accruing
(Column B)
Past due 90
days or more
and still
§J
(Column C)
Nonaccrual
accruing
Dollar Amounts in Thousands RCON Bil
1. Loans secured by real estate:
a. Construction, land development, and other
land loans:
(1) 1-4 family residential construction
loans........................................................... F172
1.a.(1 )
(2) Other construction loans and all land
development and other land loans.......... F173
b. Secured by farmland ... ....... ........ ............. .......... 3493
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............... ..... 5398
1.a.(2)
1.b.
1.c.(1 )
(2) Closed-end loans secured by 1-4 family
residential properties:
(a) Secured by first liens ............................ C236
(b) Secured by junior liens ......................... C238
d. Secured by multifamily (5 or more) residential
properties.......................................................... 3499
1.c.(2)(a)
1.c.(2)(b)
1.d.
e. Secured by nonfarm nonresidential
properties:
(1) Loans secured by owner-occupied
nonfarm nonresidential properties ......... F178
1.e.(1 )
(2) Loans secured by other nonfarm
nonresidential properties......................... F179
2. Loans to depository institutions and
acceptances of other banks ......... .......................... B834
1.e.(2)
2.
3. Not applicable
loans............................ 1606
5. Loans to individuals for household, family, and
other personal expenditures:
a. Credit cards....................................................... B575
b. Other (includes single payment, installment,
all student loans, and revolving credit plans
other than credit cards) ..................................... B578
6. Loans to foreign governments and official
institutions......... .............. ..................... ................. 5389
4. Commercial and industrial
7. All other loans1....................................................... 5459
8. Lease financing receivables................................... 1226
9. Debt securities and other assets (exclude
other real estate owned and other repossessed
assets).................................................................... 3505
1 Includes past due and nonaccrual "Loans to finanæ agricultural production and other loans to farmers," "Obligations (other than securities and
leases) of states and political subdivisions in the U.S.," and "Other loans."
4.
5.a.
5.b
6.
7.
8.
9.
FFIEC 041
Page RC.23
~
Schedule RC-N-Continued
Amounts reported in Schedule RC-N, items 1 through 8. above include guaranteed and unguaranteed portions of past due
and nonaccrualloans and leases. Report in item 10 below certain guaranteed loans and leases that have already been
included in the amounts reported in items 1 through 8.
(ColumnA)
days and stil
(Column B)
Past due 90
days or more
and still
accruing
accruing
Past due
30 through 89
Dollar Amounts in Thousands RCON Bil
10. Loans and leases reported in items 1 through 8
above which are wholly or partially guaranteed
by the U.S. Government......................................
a. Guaranteed portion of loans and leases
included in item 10 above (exclude rebooked
"GNMA loans.).................................................
b. Rebooked "GNMA loans" that have been
repurchased or are eligible for repurchase
included in item 1 0 above...................... ...........
(Column C)
Nonaccrual
10.
10.a.
10.b.
FFIEC 041
Page RC-24
~
Schedule RC-N-Continued
(ColumnA)
days and stil
(Column B)
Past due 90
days or more
and still
accruing
accruing
Past due
30 through 89
Memoranda
Dollar Amounts in Thousands
1. Restructured loans and leases included in
Schedule RC-N. items 1 through 8. above
(and not reported in Schedule RC-C, Part I.
Memorandum item 1):
(Column C)
Nonaccrual
RCON Bit
a. loans secured by 1-4 family residential
properties......................................................... F661
M.1.a.
b. Other loans and all leases (exclude loans
to individuals for household, family, and
other personal expenditures)......................... 1658
2. loans to finance commercial real estate,
M.1.b.
construction, and land development activities
(not secured by real estate) included in
Schedule RC-N. items 4 and 7. above................... 6558
3. Memorandum items 3.a. through 3.d are to be
completed by banks with $300 million or more
M.2.
in total assets:1
a.loans secured by real estate to non-U.S.
addressees (domicile) (included in
Schedule RC-N. item 1, above)......................... 1248
M.3.a.
b.loans to and acceptances of foreign banks
M.3.b
(included in Schedule RC-N. item 2. above) ..... 5380
loans to non-U.S.
addressees (domicile) (included in
c. Commercial and industrial
Schedule RC-N. item 4. above)......................... 1254
M.3.c.
d.leases to individuals for household, family,
and other personal expenditures (included
in Schedule RC-N, item 8, above)..................... F166
M.3.d.
Memorandum item 4 is to be completed by:1
banks with $300 million or more in total assets
banks with less than $300 million in total
assets that have loans to finance agricultural
production and other loans to farmers
(Schedule RC-C, part i, item 3) exceeding
total
loans:
five percent of
4. Loans to finance agricultural production
and other loans to farmers (included in
Schedule RC-N, item 7. above) ............................. 1594
MA.
5. Loans and leases held for sale and loans
measured at fair value (included in Schedule
RC-N, items 1 through 8, above):
a. Loans and leases held for sale.......................... C240
b. loans measured at fair value:
(1) Fair value ................................................... F664
(2) Unpaid principal balance ............ ............. F667
1 The $300 millon asset size test and the five percent of total
June 30. 2001, Report of Condition.
'i
loans test are generally based on the total assets and total
M.5.a.
F666
F669
loans reported on the
M.5.b.(1)
M.5.b.(2)
FFIEC 041
Page RC-25
~
Schedule RC-N-Continued
Memoranda-Continued
(ColumnA)
~D~rì"""li''c. Dollar Amounts in Thousands
Past due 30
through 89 days
(Column B)
Past due 90
days or more
Memorandum item 6 is to be completed by
banks with $300 millon or more in total assets:1
6. Il'tefeet Fete, tgi:iØR el(eR81'~e l'te, end ether
GQmmpdity and Ii'lyit contracts:
Fair value of amounts carried as assets ................ 3529
M.6.
RCON
Bil
Mil
Thou
7. Additions to nonaccrual assets during the quarter ............................................................................. C410
8. Nonaccrual assets sold during the quarter........ ..... ......... ......... .............. ....... ............... ............ .......... C411
M.7.
M.8.
ß
1 The $300 milion asset size test is generally based on the total assets reported on the June 30, 200; Report of Condition.
Schedule RC-O-Other Deta for Deposit Insurance and FICO Assessments
IteltS i ~l'.i tt)
All banks must complete items 1 and 2...Memorandum Item 1. and. If applicable. Memorandum Items 2 and 3 each
quarter. Each bank that reported $1 bilion or more In total assets in Its March 31. 2007. Report of Condition must
complete items 4 and 5 each quarter. In addition. each bank that reported $1 billon or more in total assets in two
consecutive Reports of Condition beginning with its June 30. 2007. report must begin to complete items 4 and 5 each
quarter starting six months after the second consecutive quarter In which It report total assets of $1 billion or more.
Each bank that becomes Insured by the FDIC on or after April 1. 2007, must complete items 4 and 5 each quarter. Any
other bank may choose to complete items 4 and 5. but the bank must then continue to complete Items 4 and 5 each
quarter thereafter.
Dollar Amounts in Thousands
1. Total deposit liabilties before exclusions (gross) as defined In Section 3(1) of the Federal
Deposit Insurance Act and FDIC regulations ................................................................................
2. Total allowable exclusions. including Interest accrued and unpaid on allowable exclusions.
3. Not applicable
1.
2.
4. Total dally average of deposit liabilties before exclusions (gross) as defined in Section 3(1)
of the Federal Deposit Insurance Act and FDIC regulations .............................................. .........
4.
5. Total dally average of allowable exclusions, including Interest accrued and unpaid on
allowable exclusions .......... ........ ... .................. ..... ........... .......................... .... ............. ........ ..... .......
5.
INSER.T 0
INSERT 0 - FFIEC 041
6. Not applicable
7. Unsecured "Other borrowings" with a remaining maturity of
(sum of items 7.a through 7.d must equal Schedule RC-M,
items 5.b.(1)(a)-(d) minus item 10.b):
a. One year or less ................................................ ....................... .........
b. Over one year through three years .......................................... .........
c. Over three years through five years ................................. .................
d. Over five years ..................................................................................
of
(sum of items 8.a through 8.d must equal Schedule RC, item 19):
8. Subordinated notes and debentures with a remaining maturity
a. One year or less .. ..... ............................. ............................................ XX
b. Over one year through thr~e years ......... ................................... ....... XX
c. Over three years through five years .................................................. XX
d. Over five years .................................................................................. XX
FFIEC 041
Page RC-26
~
Schedule RC-Q-Continued
Memorandum
Dollar Amounts in Thousands
1. Total assessable deposits of the bank, including related interest accrued and unpaid (sum of
Memorandum items 1.a.(1), 1.b.(1), 1.c.(1), and 1.d.(1) must equal Schedule RC-O, item 1
less item 2):
a. Deposit accounts (excluding retirement accounts) of $100,000 or less: 1
(1) Amount of deposit accounts (excluding retirement accounts) of $100,000 or less ............
M.1.a.(1 )
(2) Number of deposit accounts (excluding retirement accounts) Number
of $100,000 or less (to be completed for the June report only)... F050
M.1.a.(2)
b. Deposit accounts (excluding retirement accounts) of more than $100,000: 1
(1) Amount of deposit accounts (excluding retirement accounts) of more than $100,000.......
M.1.b.(1)
(2) Number of deposit accounts (excluding retirement accounts) Number
of more than $100,000...................................................................... F052
M.1.b.(2)
c. Retirement deposit accounts of $250,000 or less:1
(1) Amount of retirement deposit accounts of $250,000 or less...................................................
M.1.c.(1 )
(2) Number of retirement deposit accounts of $250,000 or less Number
(to be completed for the June report only)..... ................... ................ F046
M.1.c.(2)
d. Retirement deposit accounts of more than $250,000:1
(1) Amount of retirement deposit accounts of more than $250,000.............................................
Number
(2) Number of retirement deposit accounts of more than $250,000....... F048
M.1.d.(1 )
M.1.d.(2)
Memorandum item 2 is to be completed by banks with $1 bilion or more in total assets.2
2. Estimated amount of uninsured assessable deposits, Including related interest accrued and
unpaid (see instructions) 3 ................................................................................................................
3. Has the reporting institution been consolidated with a parent bank or savings association
in that parent bank's or parent savings association's Call Report or Thrift Financial Report?
If so, report the legal title and FDIC Certificate Number of the parent bank or parent savings
M.2.
association:
TEXT
A5
M.3.
Memorandum items 4.a and 4.b are to be completed by all banks partcipating in the
FDIC Transaction Account Guarantee Program.
4. Noninterest-bearing transaction accounts (as defined in Part 370 of the FDIC's
regulations) of more than $250,000 (see instructions):
a. Amount of noninterest-bearing transaction accounts of more than $250,000
interest-bearing transaction accounts to
(including balances swept from non
noninterest-bearing savings accounts) ........................................................................................
b. Number of noninterest-bearing transaction accounts of more Number
than $250,000 ........................................................................................ G168
MA.a.
MA.b.
1 The dollar amounts used as the basis for reporting in Memorandum items 1.a through 1.d reflect the deposit insuranæ limits in effect on the
report date without taking into account the temporary increase in deposit insurance in effect throu h December 31, 2009.
2 The $1 billon asset size test is generally based on the total assets reported on the June 30, eport of Condition. 2. 00 g.l
3 Uninsured assessable deposits should be estimated based on the deposit insurance limits set forth in Memorandum items 1.a through 1.d
without taking into account the temporary increase in deposit insurance in effect through December 31, 2009, or a bank's participation in the
FDIC's Debt Guarantee Program or Transaction Account Guarantee Program.
FFIEC 041
~
Page RC-27
Schedule RC-P-1-4 Family Residential Mortgage
Banking Activities
Schedule RC-P is to be completed by (1) all banks with $1 billon or more in total assets1 and (2) banks with less than $1 billon
in total assets at which either 1-4 family residential mortgage loan originations and purchases for resale2 from all sources, loan
sales, or quarter-end loans held for sale exceed $10 millon for two consecutive quarters.
Dollar Amounts in Thousands
1. Retail originations during the quarter of 1-4 family residential mortgage loans for
sale2:
a. Closed-end first liens.................... .................................................................................................
b. Closed-end
junior liens..................................................................................................................
c. Open-end loans extended under lines of credit:
(1) Total commitment under the lines of credit .......................................................................
(2) Principal amount funded under the lines of credit................................. ..........................
1.a.
1.b.
1.c.(1 )
1.c.(2)
2. Wholesale originations and purchases during the quarter of 1-4 family residential
mortgage loans for sale:2
a. Closed-end first liens.....................................................................................................................
junior liens..................................................................................................................
c. Open-end loans extended under lines of credit:
b. Closed-end
(1) Total commitment under the lines of credit .......................................................................
(2) Principal amount funded under the lines of credit...........................................................
2.a.
2.b.
2.c.(1)
2.c.(2)
3. 1-4 family residential mortgage loans sold during the quarter:
a. Closed-end first liens.....................................................................................................................
b. Closed-end
junior liens..................................................................................................................
c. Open.end loans extended under lines of credit:
(1) Total commitment under the lines of credit .......................................................................
(2) Principal amount funded under the lines of credit............................................... ....... .....
4. 1-4 family residential mortgage loans held for sale at quarter-end (included in
Schedule RC, item 4.a):
a. Closed-end first liens.....................................................................................................................
junior liens..................................................................................................................
b. Closed-end
c. Open-end loans extended under lines of credit:
(1) Total commitment under the lines of credit .......................................................................
(2) Principal amount funded under the lines of credit....................................................... .....
from the sale, securitization, and servicing of 1-4 family
5. Noninterest income for the quarter
3.a.
3.b.
3.c.(1)
3.c.(2)
4.a.
4.b.
4.c.(1 )
4.c.(2)
residential mortgage loans (included in Schedule RI, items 5.f, 5.g, and 5.i):
a. Closed-end 1-4 family residential mortgage loans .......................................................................
b. Open-end 1-4 family residential mortgage loans extended under lines of credit ................
6. Repurchases and indemnifications of 1-4 family residential mortgage loans during the
quarter.
a. Closed-end first liens..................................................................................................................
junior liens...............................................................................................................
b. Closed-end
5.a.
5.b.
6.a.
6.b.
c. Open-end loans extended under lines of credit:
(1) Total commitment under the lines of credit .......................................................................
(2) Principal amount funded under the lines of credit...... ......................................................
I
i The $1 billon asset size test is generally based on the total assets reported on the June 30, 200/, Report of Condition.
2 Exclude originations and purchases of 1-4 family residential mortgage loans that are held for investment.
6.c.(1)
6.c.(2)
RCON
xx
xx
xx
F258
xx
3547
...............................................................................................................
...............................................................................................................
e. ...............................................................................................................
f. ................................................................................................................
a. .oan commitments (not accunted for as derivatives)........................................
b. lontrading derivative liabilities........................................... ............................
13. ,at are greater than $25,000 and exceed 25% of item 13):
c.
d.
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
F261
ng derivative assets........................................................................
...............................................................................................................
...............................................................................................................
...............................................................................................................
................................................................................................................
2. A ii other liabilities (itemize and describe amounts included in Schedule RC-Q, item
f.
b.
c.
d.
e.
Memoranda
issets (itemize and describe amounts included in Schedule RC-Q, item 6,
1. A
ter than $25,000 and exceed 25% of item 6):
xx
that
xx
a.
e servicing rights.............................................................................
13. All other liabilities
14. Total liabilities measured at fair value on a recurrng basis.. ...............................
12. Subordinated notes and debentures..........................................
11. Other borrowed money....
10. Trading liabilities:
a. Derivative liabilities
b. Other trading liabilities
9. Federal funds purchased and securities sold under agreements to repurchase...
8. Deposits
LIABILITIES
7. Total assets measured at fair value on a recurrng basis......... ..........
6. All other assets.................................................
a. Derivative assets
b. Other trading assets
(1) Nontrading securities at fair value with changes in fair value reported in
current earnings (included in Schedule RC-Q, item 5.b, above)
5. Trading assets:
4. Loans and leases held for investment .............................................................. i xx
3. Loans and leases held for sale
~: ~;~~~:II~~~~~s::ids:~~ri:::~riÍi~~' p~';~h~~~d' ~~'d~; '~g~~~~~~t; t~ ';~'~~ii::::::' I::
ASSETS
Dollar Amounts in Thousands
Reported on
Schedule RC
Total Fair Value
(Column A)
xx
xx
xx
xx
xx
xx
F689
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
F688
xx
(Column D)
(Column E)
xx
xx
xx
xx
xx
xx
F697
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
F696
xx
RCON
~rements
xx
xx
xx
xx
xx
xx
F262
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
F259
xx
RCON
Measurements
xx
xx
xx
xx
xx
xx
F263
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
F260
xx
RCON
Measurements
Level 1 Fair Value Level 2 Fair Value Level 3 Fair Value
(Column C)
Schedule RC-Q is to be completed by banks that (1) reported $500 millon or more in total assets at the beginning of their fiscal year, (2) have elected to accunt for
financial instruments or servicing assets and liabilities at fair value under a fair value option, or (3) are required to complete Schedule RC-D-Trading Assets and Liabilties.
Schedule RC-Q-Assets and Liabilties Measured at Fair Value on a Recurring Basis
I 40 I
Page RC-28
FFIEC 041
FFIEC 04'
Schedule RC-R-Regulatory Capital
Page RC-29
Thou
Tier 1 capital bank
1. Tota~ capital (from Schedule RC, item ~.Pi.~)....................................................................
§J
1.
2. LESS: Net unrealized gains (losses) on available-for-sale securities' (if a gain, report as a
positive value; if a loss, report as a negative value)............................... ............................................
3. LESS: Net unrealized loss on available-for-sale EQUITY securities1 (report loss as a positive
value) .................................................................................................................................................
4. LESS: Accumulated net gains (losses) on cash flow hedges' (if a gain, report as a positive
value; if a loss, report as a negative value)........................................................................................
5. LESS: Nonquali in erpetual preferred stock. ...~Hm.~!'1:r,'?!!!~~...............................................
2.
3.
4.
5.
6.
6. Qualifyin inority)nterests in consolidated subsidiaries............................................ ......................
7. a. LESS: isallowed goodwill and other disallowed intangible assets..............................................
b. LESS: Cumulative change in fair value of all financial
liabilties accounted for under a fair value
option that is included in retained earnings and is attributable to changes in the bank's own
creditworthiness (if a net gain, report as a positive value; if a net loss, report as a negative
value).............................................................................................................................................. F264
8. Subtotal (sum of items 1 and 6, less items 2, 3, 4, 5, 7.a, and 7.b) ........................... ........................ C227
9. a. LESS: Disallowed servicing assets and purchased credit card relationships ............................... B591
7.a.
7.b.
8.
9.a.
9.b.
b. LESS: Disallowed deferred tax assets .................................................................. .................. ...... 5610
10. Other additions to (deductions from) Tier 1 capital ............................................................................ B592
11. Tier 1 capital (sum of items 8 and 10, less items 9.a and 9.b)........................................................... 8274
10.
11.
Tier 2 capital
12. Qualifying subordinated debt and redeemable preferred stock ........................................................
13. Cumulative perpetual preferred stock includible in Tier 2 capita!....................................................
14. Allowance for loan and lease losses includible in Tier 2 capitaL............................. ........................
15. Unrealized gains on available-far-sale equity securities includible in Tier 2 capital......... .................
16. Other Tier 2 capital components .............................. ............................................... ..........................
17. Tier 2 capital (sum of items 12 through 16).................. .....................................................................
18. Allowable Tier 2 capital (lesser of item 11 or 17) .............................................................. .................
8275
12.
13.
14.
15.
16.
17.
18.
19. Tier 3 capital allocated for market risk .......................................................... ............... ...................... 1395
20. LESS: Deductions for total risk-based capital.... ....... ................. ..................... ........... ........................ B595
21. Total risk-based capital (sum of items 11, 18, and 19, less item 20) .................................................. 3792
19.
20.
21.
5306
B593
5310
2221
B594
5311
Total assets for leverage ratio
22. Average total assets (from Schedule RC-K, item 9) ....................................... ................................... 3368
22.
23.
24.
25.
26.
27.
23. LESS: Disallowed goodwil and other disallowed intangible assets (from item 7.a above) ............... B590
24. LESS: Disallowed servicing assets and purchased credit card relationships (from item 9.a above) . B591
25. LESS: Disallowed deferred tax assets (from item 9.b above)............................................................ 5610
26. LESS: Other deductions from assets for leverage capital purposes.................................................. B596
27. Average total assets for leverage capital purposes (item 22 less items 23 through 26) .................... A224
Adjustments for financial subsidiaries
28. a. Adjustment to Tier 1 capital reported in item 11 ............................................................................ C228
28.a.
28.b.
b. Adjustment to total risk-based capital reported in item 21................ ............ ......................... ....... B503
29. Adjustment to risk-weighted assets reported in item 62........... .......... ......... ................. ............ ......... B504
29.
30.
30. Adjustment to average total assets reported in item 27 ........ ............................. ................................ B505
Capital ratios
(ColumnA)
(Column B is to be completed by all banks. Column A is to be completed by
RCON
Percentage
banks with financial subsidiaries.)
31. Tier 1 leverage rati02................................................................................... 7273
32. Tier 1 risk-based capital rati03..................................................................... 7274
33. Total risk-based capital rati04 ...................................................................... . 7275
(Column B)
-- -.-- -- _.--._.- -.- - - -.- RCON
Percentage
7204
7206
7205
1 Report amount included in Schedule RC, item 26.b, "Accumulated other comprehensive income:
2 The ratio for column B is item 11 divided by item 27. The ratio for column A is item 11 minus item 28.a divided by (item 27 minus item 30).
3 The ratio for column B is item 11 divided by item 62. The ratio for column A is item 11 minus item 28.a divided by (item 62 minus item 29).
4 The ratio for column B is item 21 divided by item 62. The ratio for column A is item 21 minus item 28.b divided by (item 62 minus item 29).
31.
32.
33.
37.
38.
39.
40.
41.
42.
43.
agreements to resell..........................................................
38. Loans and leases held for sale .........................................
39. Loans and leases, net of unearned income ......................
40. LESS: Allowance for loan and lease losses ......................
41. Trading assets................................................................,..
42. All other assets1 ................................................................
43. Total assets (sum of items 34 through 42) ........................
1 Includes premises and fixed assets. other real estate owned, investments in unconsolidated subsidiaries and associated companies, intangible assets, and other assets.
36.
36. Available-for-sale securities ..............................................
37. Federal funds sold and securities purchased under
(Column F)
35.
Allocation by Risk Weight Category
(Column D) I (Column E)
35. Held-to-maturity securities ................................................
(Column C)
34.
Risk-Weighting
(Column B)
Items Not
Subject to
and1.b).............................................................................
34. Cash and balances due from depository institutions
(Column A equals the sum of Schedule RC items 1.a
Balance Sheet Asset Categories
Dollar Amounts in Thousands
(from
Schedule RC)
(ColumnA)
Totals
Banks are not required to risk-weight each on-balance sheet asset and the credit equivalent amount of each off-balance sheet item that qualifies for a risk weight of less than
100 percent (50 percent for derivatives) at its lower risk weight. When completing items 34 through 54 of Schedule RC-R, each bank should decide for itself how detailed a
risk-weight analysis it wishes to perform. In other words, a bank can choose from among its assets and off-balance sheet items that have a risk weight of less than 100 percent
which ones to risk-weight at an appropriate lower risk weight, or it can simply risk-weight some or all of these items at a 100 percent risk weight (50 percent for derivatives).
Schedulè RC-R-Continued
§J
Page RC-30
FFIEC 041
0% I 20%
i
(Column C) I (Column D) I (Column E)
Allocation by Risk Weight Category
(Column F)
46.
45.
44.
an institution-specific factor. For other financial standby leiters of credit, use a credit conversion factor of 1.00. See instructions for further information.
3 Or institution-specific factor.
1 Column A multiplied by credit conversion factor.
2 For financial standby leiters of credit to which the low-level exposure rule applies. use a credit conversion factor of 12.5 or
Rel'ldce. w;tf 11'£~T l
liabilities.......... ...... .................... .........
n
maturity exceedin
dollar-for-dollar capital requirement .....
51. All other financial assets sold with
recourse ...............................................
52. All other off-balance sheet
rule and residual interests subject to a
50. Recourse and direct credit substitutes
(other than financial standby letters of
credit) subject to the low-level exposur
49. Retained recourse on small business
obligations sold with recourse... ...........
51.
50.
48.
Amount1
Credit
Equivalent
(Column B)
48. Securities lent.................................. .....
Credit
Conversion
Factor
47.
Amount
or Notional
Face Value
(ColumnA)
institution........................... ...................
44. Financial standby letters of credit.........
45: Penormance standby letters of
credit ....................................................
46. Commercial and similar letters of
credit ....................................................
47. Risk participations in bankers
acceptances acquired by the reporting
Derivatives and Off.Balance Sheet Items
Dollar Amounts in Thousands
Schedule RC-R-Continued
§J
Page RC-31
FFIEC 041
b. With an original maturity of one
year or less to asset-backed
commercial paper conduits
one year
53. Unused commitments:
a. With an original maturity exceeding
INSERT P - FFIEC 041
Dollar Amounts in Thousands
(Column C)
Thou
62.
62. Total risk-weighted assets (item 59 minus items 60 and 61).......................................................
8767
8770
8773
8776
8779
AOO2
A001
AOOO
Replace wìt- IN!'~r21 G.
RCON I Trill Bil i Mil
8766
8769
8772
8775
8778
3809
3812
8771
8774
8777
through five years
RCON ~ Bil I Mil I Thou
RCON I Trill Bil I Mil
1 Exclude foreign exchange contracts with an original maturity of 14 days or less and all futures contracts.
nt arade ..................................................................,..................
(1) Investment grade ...............::...... ....................................................
e. Other commodity contracts ..................................................................................
f. Equity derivative contracts ...... ........... .............. .....,.. ............. ....... ..... ......... ..... .....
c. Gold contracts .......................... ...................................................... ............ ..........
d. Other precious metals contracts...........................................................................
a. Interest rate contracts...........................................................................................
b. Foreign exchange contracts........................ ............................................... ..... .....
2. Notional principal amounts of derivative contracts:1
(Column B)
Over one year
One year or less
Thou
i i
With a remaining maturity of
(ColumnA)
1. Current credit exposure across all derivative contracts covered by the risk-based capital standards ....................................................................
Over five years
61.
61. LESS: Allocated transfer risk reserve..........................................................................................
~
M.2.f.
M.2.a.
M.2.b.
M.2.c.
M.2.d.
M.2.e.
M.1
60.
60. LESS: Excess allowance for loan and lease losses....................................................................
Memoranda
59.
allocated transfer risk reserve (sum of item 57, columns C through F, and item 58) ..................
57.
55.
56.
58.
Dollar Amounts in Thousands
(Column C) I (Column D) I (Column E) I (Column F)
Allocation by Risk Weight Category
Page RC.32
FFIEC 041
58. Market risk equivalent assets......................................................................................................
59. Risk-weighted assets before deductions for excess allowance for loan and lease losses and
55. Total assets, derivatives, and off-balance sheet items by risk weight category (for each
column, sum of items 43 through 54) ..........................................................................................
56. Risk weight factor ........................................................................................................................
57. Risk-weighted assets by risk weight category (for each column, item 55 multiplied by
item 56) .......................................................................................................................................
Totals
Schedule RC-R-Continued
INSERT Q - FFIEC 041
g. Credit derivative contracts:
Purchased credit protection that (a) is
a covered position under the market
risk rule or (b) is not a covered
position under the market risk rule
and is not recognized as a guarantee
for risk-based capital purposes:
(1) Investment grade .......................
(2) Subinvestment grade .................
4.b.
b. 90 days or more past due.................
5.a.
5.b.
a. Charge.offs.......................................
b. Recoveries......................... ..............
(calendar year-to.date):
sold and securitized with servicing
retained or with recourse or other
seller-provided credit enhancements
5. Charge-offs and recoveries on assets
4.a.
3.
2.c.
4. Past due loan amounts included in
item 1:
a. 30-89 days past due ........................
reported in item 1 ............................ ......
c. Standby letters of credit and
other enhancements.........................
3. Reporting bank's unused commit.
ments to provide liquidity to structures
2.b.
b. Subordinated securities and
other residual interests.... ................
1.
2.a.
Loans
and Industrial
Other
Consumer
Loans
Auto
Credit
Card
Receivables
Home
Equity
Lines
Loans
(Column G)
All Other Loans,
All Leases, and
All Other Assets
(Column F)
Commercial
(Column E)
(Column D)
(Column C)
(Column B)
~
Page Re-33
1. Outstanding principal balance of
assets sold and securitized by the
reporting bank with servicing retained
or with recourse or other seller.
provided credit enhancements..............
2. Maximum amount of credit exposure
arising from recourse or other sellerprovided credit enhancements
provided to structures reported in
item 1 in the form of:
a. Credit-enhancing interest-only strips
(included in Schedules RC-B or
RC-F or in Schedule RC, item 5)......
Bank Securitization Activities
Dollar Amounts in Thousands
Residential
Loans
1-4 Family
(Column A)
Schedule RC-S-Servicing, Securitization, and Asset Sale Activities
FFIEC 041
Other
Consumer
Loans
securitization structures......... ..............
9. Maximum amount of credit exposure
arising from credit enhancements
provided by the reporting bank to other
institutions' securitization structures in
the form of standby letters of credit,
purchased subordinated securities,
and other enhancements .....................
10. Reporting bank's unused commitments
to provide liquidity to other institutions'
Institutions
10.
9.
a.b.
b. Recoveries.................... ..................
For Securitization Facilities Sponsored
By or Otherwise Established By Other
8.a.
amounts included in interests reported
in item 6.a (calendar year-to-date):
a. Charge-offs......................................
8. Charge-offs and recoveries on loan
7.b.
6.b.
6.a.
b. 90 days or more past due................
Loans
and Industrial
(Column G)
All Other Loans,
All Leases, and
All Other Assets
(Column F)
Commercial
(Column E)
7.a.
Loans
Auto
Credit
Card
Receivables
Home
Equity
Lines
1-4 Family
Residential
Loans
(Column D)
(Column C)
(Column B)
(ColumnA)
~
a. 30-89 days past due .......................
Schedule RC-B or in Schedule RC,
item 5) .............................................
b. Loans (included in
Schedule RC-C) ......... .....................
7. Past due loan amounts included in
interests reported in item 6.a:
a. Securities (included in
interests carried as:
6. Amount of ownership (or seller's)
Dollar Amounts in Thousands
Schedule RC-S-Continued
Page RC-34
FFIEC 041
Dollar Amounts in Thousands
Loans
and Industrial
Other
Consumer
Loans
Auto
Loans
(Column F)
Commercial
(Column E)
(Column D)
(Column G)
All Other Loans,
All Leases, and
All Other Assets
M.3.b.(1)
M.3.b.(2)
MA.
M.3.a.(1)
M.3.a.(2)
M.2.d.
M.2.a.
M.2.b.
M.2.c.
M.l.a.
M.l.b.
~
i Memorandum item 2.c is to be completed if the principal balance of other financial assets serviced for others is more than $10 milion.
2 Memorandum item 4 is to be completed by banks that (1) together with affliated institutions, have outstanding credit card receivables (as defined in the instructions) that exceed $500 millon as of the report
date or (2) are credit card specialty banks as defined for Uniform Bank Performance Report purposes.
4. Outstanding credit card fees and finance charges included in Schedule RC-S, item 1, column C2........................................................................ C407
(2) Conduits sponsored by other unrelated institutions........................................... .................... ............... ........................ ............. ................... B809
b. Unused commitments to provide liquidity to conduit structures:
(1) Conduits sponsored by the bank, a bank affliate, or the bank's holding company ...................................................................................... B808
(2) Conduits sponsored by other unrelated institutions.................................................. ........ ..... .......... ..... ........ ................ .......... ...... ....... .........
3. Asset-backed commercial paper conduits:
a. Maximum amount of credit exposure arising from credit enhancements provided to conduit structures in the form of standby letters of
credit, subordinated securities, and other enhancements:
(1) Conduits sponsored by the bank, a bank affliate, or the bank's holding company ......................................................................................
and open-end loans) . ......... .... .............. ....... ..... ....... ........ ..... ..... ..... .... ..... ........ ..... ........ ....... ....... ....... ... ...... ... ... ....... ..... ........ ........... .... ......... .....
d. 1-4 family residential mortgages serviced for others that are in process of foreclosure at quarter-end (includes closed-end
c. Other financial assets (includes home equity Iines)1........................................................................................................................................... A591
b. Closed-end 1-4 family residential mortgages serviced with no recourse or other servicer-provided credit enhancements ...............................1 B805
1. Small business obligations transferred with recourse under Section 208 of the Riegle Community Development and Regulatory Improvement
Act of 1994:
a. Outstanding principal balance.............................................................................................................................................................................
b. Amount of retained recourse on these obligations as of the report date.............................................................................................................
2. Outstanding principal balance of assets' serviced for others (includes participations serviced for others):
a. Closed-end 1-4 family residential mortgages serviced with recourse or other servicer-provided credit enhancements....................................
Memoranda
12.
Credit
Card
Receivables
Home
Equity
Lines
11.
(Column C)
(Column B)
bank .....................................................
Residential
Loans
1-4 Family
(ColumnA)
12. Maximum amount of credit exposure
arising from recourse or other sellerprovided credit enhancements provided to assets reported in item 11 ......
11. Assets sold with recourse or other
seller-provided credit enhancements
and not securitized by the reporting
Bank Asset Sales
Dollar Amounts in Thousands
Schedule RC-S-Continued
Page RC-35
FFIEC 041
FFIEC 041
Page RC-36
~
Schedule RC- T -Fiduciary and Related Services
.feiiiS 12 U.retlgh 18, ite"'9 29 thr8t:gh 23, aild Memo.diidaili itelli 4 ,viII Ret tie R:ade auailallle to
ol pi.ibli& 8" 81' ¡"diu
ideal ilisUtutioii basis.
RCON
1. Does the institution have fiduciary powers? (If "NO:' do not complete Schedule RC- T.). ....................... A345
1.
2. Does the institution exercise the fiduciary powers it has been granted? ...............................................
2.
3. Does the institution have any fiduciary or related activity (in the form of assets or accounts) to report
in this schedule? (If "NO: do not complete the rest of Schedule RC- T.) ................................................
3.
If the answer to item 3 is "YES:' complete the applicable items of Schedule RC- T, as follows:
\0,
Institutions with total fiduciary assets (item \ sum of columns A and B) greater than $250 milion (as of the preceding
December 31) or with gross fiduciary and related services income greater than 10% of revenue (net interest income plus
noninterest income) for the preceding calendar year must complete:
. Items 4 through ~arterly-: :z:z
Items ~g tRF81:gti 23,fnnually with the December report, and- fl,.. ..Ôh Z 6
. Memorandum items 1 through 4 annually with the December report.
10
Institutions with total fiduciary assets (itemXsum of columns A and B) greater than $100 milion but less than or equal to
$250 millon (as of the preceding December 31) that do not meet the fiduciary income test for quarterly reporting must complete:
. Items 4 through N.nnually with the December report, and 2 ,
. Memorandum items 1 through 4 annually with the December report.
\0,
Institutions with total fiduciary assets (item ~ sum of columns A and B) of $100 millon or less (as of the preceding December 31)
that do not meet the fiducia income test for quarterly reporting must complete:
. Items 4 through lQ nnually with the December report, and I 3
. Memorandum items 1 through 3 annually with the December report.
(Column A)
(Column B)
(Column C)
Managed
Assets
Non-Managed
Number of
Number of
Assets
Managed
Accounts
Non-Managed
Accounts
(Column D)
Dollar Amounts in Thousands
ClARY AND RELATED ASSETS
Pers trust and agency accounts ......
Retirement ted trust and agency
accounts:
a. Employee benefit-de
contribution.............................. .
5.a.
RCON 8879
b. Employee benefit-defined
benefit...............................................
5.b.
RCON 8883
c. Other retirement accounts.................
S.c.
RCON COO2
6. Corporate trust and agency accounts ....
7. Investment management agency
accounts.................................................
6.
7.
8. Other fiduciary accounts.................... . 8.
(sum of items 4 throu 9.
9. Total fiduciary accounts
10. Custo d safekeeping accounts....... 10.
11. applicable
~ RalQc(¿ witt (rJ5ERT R.
INSERT R - FFIEC 041
FIDUCIARY AND RELATED ASSETS
4. Personal trust and agency accounts ..
5. Employee benefit and retirementrelated trust and agency accounts:
a. Employee benefit-defined
RCON 8874
RCON 8875
contribution ...................................
b.
Employee benefit-defined
RCON 8878
RCON8879
c.
benefit ...........................................
Other employee benefit and
RCON 882
RCON 883
RCON COO1
RCONCOO2
RCONB8
RCONXX
RCONXX
RCONXX
RCON 8892
RCON8893
RCON 8896
RCON 8897
retirement-related accounts .........
6.
7.
8.
Corporate trust and agency accounts .
Investment management and
investment advisory agency accounts
Foundation and endowment trust and
agency
accounts .................................
9. Other fiduciary accounts ........... ..........
10. Total fiduciary accounts (sum of
items 4 through 9) ...............................
RCON 8899
11. Custody and safekeeping accounts ....
12. Not applicable
13. Individual Retirement Accounts,
Health Savings Accounts, and
other similar accounts (included in
items 5.c and 11) ................................
FFIEC 041
Page RC-37
~
Schedule RC- T -Continued
ClARY AND RELATED SERVICES INCOME
12. Pe al trust and agency accounts.............................................................................................. B904
13. Retiremen ted trust and agency accounts:
a. Employee ben defined contribution.................................................................................... B
b. Employee benefit-de benefit .......................................................... ............. ............. ..... B906
c. Other retirement accounts......... ......................................... .......................... ........ .......... ..... B907
14. Corporate trust and agency accounts........ .................................................... .......................... A479
15. Investment management agency accounts............ B908
16. Other fiduciary accounts...... ............................. .................. . .............. ...................................... A480
17. Custody and safekeeping accounts .... ....................... .... .............. B909
18. Other fiduciary and related services income. B910
19. Total gross fiduciary and related servi income (sum of items 12 through 18) (m ual
Schedule RI, item 5.a)............ ................................................................................................ .. 4070
20. Less: Expenses.......... ................................................................................................................. 8
21. Less: Net los om fiduciary and related services .............................................. ....................... M88
22. Plus' company income credits for fiduciary and related services ........................................... B911
et fiduciary and related services incom ...................................... ................................. A491
L Re-pla.ce. w ì\1 , N .sE~ T S
Memoranda
Dollar Amounts in Thousands
1. Manag ets held in personal trust and agency accounts:
M.l.a.
M.l.b
M.l.c.
M.l.d.
M.l.e.
a. Noninterest-be' eposits .................... ................ ...................................................... ..... ..
b. Interest-bearing deposits.......
c. U.S. Treasury and U.S. Government obligations................................ ......................
d. State, county and municipal obligations..................
e. Money market mutual funds .....................................................
M.l.f.
M.1.g
f. Other short-term obligations.......................................... ........................
g. Other notes and bonds...................................... .................................................. ...............
M.l.h
M.l.i.
M.1J
M.l.k
h. Common and preferred stocks .............
i. Real estate mortgages............
j. Real estate................. ..........................................................................................................
k. Miscellaneou ets ........................... .................................. ......... ..... ............... ............ .........
i. Total aged assets held in personal trust and agency accounts (sum of Memorandum
. ems 1.a through 1.k) (must equal Schedule RC-T, item 4, column A) .................................... B868
L
I(etl'lc~ wiM- ItJSEJ?T i
(Column A)
Number of
Issues
Dollar Amounts in Thousands
~.
¡~
~71
ì 2. ~D'PD ~..~ """Dunls, i!. , ,
RCON It"Y;:;.. /.
a. Corporate and municipal trusteeshi ................... .......... .........
b. Trancfor , ~~;~" or, paying agent, and other corporate agency............... o,u,;,
L R.epl cwa. VI \ lt
IN .stitT
u.
(Column B)
Principal Amount
Outstanding
Triil
I
Bil T Mil I Thou
..
T
I
.p~:;:;;,
M.2.a.
M.2.b.
INSERT S - FFIEC 041
FIDUCIARY AND RELATED SERVICES INCOME
14. Personal trust and agency accounts ..........................................................
15. Employee benefit and retirement-related trust and agency accounts:
a. Employee benefit-defined contribution .. ............................................ 8905
b. Employee benefit-defined benefi ...................................................... 890
c. Other employee benefi and retirement-related accounts .............. ...... 8907
16. Corporate trust and agency accounts ............ ................................ ............ A479
17. Investment management and investment advisory agency accounts ....... XX
18. Foundation and endowment trust and agency accounts ........................... XX
19. Other fiduciary accounts ......................... .......... ....................... .................. A480
20. Custody and safekeeping accounts ......................................... .................. 8909
21. Other fiduciary and related services income .............................................. 8910
22. Total gross fiduciary and related services income (sum of items 14
through 21) (must equal Schedule RI, item 5.a) ........................................ 4070
23. Less: Expenses . ......... ......... .... ................................................... ............... COSS
24. Less: Net losses from fiduciary and related services ................. ............... A488
25.' Plus: Intracompany income credits for fiduciary and related services ...... 8911
26. Net fiduciary and related services income .............................. ................... A491
INSERT T - FFIEC 041
(Column A)
Personal Trust and
Agency and Investment
Management Agency
(Column B)
(Column C)
Employee Benefit and
Retirement-Related Trust
All Other Accunts
and Agency Accunts
Accunts
1. Managed assets held in fiduciary
RCON
Bil
Mil
Thou
RCON
Bil
Mil
Thou
RCON
Bil
Mil
Thou
accunts:
a. Noninterest-bearing deposits ..
b. Interest-bearing deposits ........
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
c. U.S. Treasury and U.S.
Government agency
obligations ...............................
d. State, county, and municipal
obligations ...............................
e. Money market mutual funds ....
f. Equity mutual funds ................
g. Other mutual funds .................
h. Common trust funds and
collective investment funds .....
i. Other short-term obligations ...
j. Other notes and bonds ...........
k. Investments in unregistered
funds and private equity
investments ..................... ........
i. Oter common and preferred
stocks ......................................
m. Real estate mortgages ............
n. Real estate ..............................
o. Miscellaneous assets ..............
p. Total managed assets held in
fiduciary accunts (for each
column, sum of Memorandum
items 1.a through 1.0) .............
(Column A)
Managed Assets
q. Investments of managed fiducia ry
accunts in advised or
sponsored mutual funds .......... .............................................
(Column B)
Number of Managed
Accounts
INSERT U - FFIEC 041
2. Corporate trust and agency accounts:
a. Corporate and municipal trusteeships
(1) Issues reported in Memorandum item 2.a. that are
in default
b. Transfer agent, registrar, paying agent, and other
corporate agency
FFIEC 041
Page RC-38
~
Schedule RC- T -Continued
(ColumnA)
Memoranda-Continued
of
Number
Funds
Dollar Amounts in Thousands
3. Collective investment funds and common trust funds:
a. Domestic equity............................................................................................ B931
b. International/Global equity............................................................................ B933
c. Stock/Bond blend......................................................................................... B935
d. Taxable bond ................................................................................................ B937
e. Municipal bond .............................. ............................................................... B939
f. Short term investments/Money market... .............. ...... ..... ................ ........... B941
g. Specialty/Other............................................................................................. B943
h. Total collective investment funds (sum of Memorandum items 3.a
through 3.g) .................................................................................................. B945
o,..l
~ £""r\~1~~
Dollarbtrlf-'t
Amounts
in Thousands
B932
B934
B936
B938
B940
B942
M.3.a.
M.3.b.
M.3.c.
M.3.d.
M.3.e.
B94
M.3.g.
M.3.f.
M.3.h.
(ColumnA)
(Column B)
(Column C)
Gross Losses
Managed
Gross Losses
Recoveries
Accounts
Non-Managed
Accounts
4. Fiduciary settlements, surcharges, and other losses:
a. Personal trust and agency accunts ........................................
M.4.a.
M.4.b.
M.4.c.
M.4.d.
b. ~etirement-elated trust and agency accounts.........................
c. m anagemen agency
accounts..............................
d. Other fiduciary accounts and related services .........................
e. Total fiduciary settlements, surcharges, and other losses
(sum of Memorandum items 4.a through 4.d) (sum of
columns A and B minus column C must equal
Schedule RC- T, item 21) ................. ............ ........... ..................
M.4.e.
I\r\d li\Vut""e'''+ ø.d ""scry
Person to whom questions about Schedule RC- T -Fiduciary and Related Services should be directed:
Name and Tille (TXT 6962)
E-mail Address (TXT 6926)
Telephone: Area coe/phone number/extension (TXT 6963)
FAX: Area coe/phone number (TXT 696)
FFIEC 041
Page RC-39
Optional Narrative Statement Concerning the Amounts
Reported in the Reports of Condition and Income
§J
The management of the reporting bank may, if it wishes, submit a
brief narrative statement on the amounts reported in the Reports of
Condition and Income. This optional statement will be made avail-
the bank's statement both on agency computerized records and in
computer-file releases to the public.
able to the public, along with the publicly available data in the Reports
All information furnished by the bank in the narrative statement
of Condition and Income, in response to any request for individual
bank report data. l leuuevei, tile ii ,leFA:8tiQi: r9p9~9El iR i6!'eEltlle
taken by the submitting bank to ensure the statement's accuracy.
RG 1=, iteiiis H! tllP8tl!l1: 1 S, it9A:S ~9 '!'F9tl!l!' ~~¡ aREI Me"'8F8i1dtlill
The statement must be signed, in the space provided below, by a
Iteill 4, iii r'igard'id as copfid'iRtial ai:d ",il i:Qt be F91e8&eEl '9 tl:9
senior offcer of the bank who thereby attests to its accuracy.
THE NARRATIVE STATEMENT SHOULD ENSURE THAT THE STATEMENT DOES NOT
CONTAIN THE NAMES OR OTHER IDENTIFICATIONS OF INDIVIDUAL BANK CUSTOMERS, REFERENCES TO THE AMOUNTS
REPORTED IN THE CONFIDENTIAL ITEMS IN SCHEDULE RC-T,
OR ANY OTHER INFORMATION THAT THEY ARE NOT WILLING
TO HAVE MADE PUBLIC OR THAT WOULD COMPROMISE THE
must be accurate and not misleading. Appropriate efforts shall be
op. BANKS CHOOSING TO SUBMIT
If, subsequent to the original submission, material changes are
submitted for the data reported in the Reports of Condition and
Income, the existing narrative statement wil be deleted from the
files, and from disclosure; the bank, at its option, may replace it with
a statement, under signature, appropriate to the amended data.
to make
The optional narrative statement wil appear in agency records
a statement may check the "No comment" box below and should
make no entries of any kind in the space provided for the narrative
statement; i.e., DO NOT enter in this space such phrases as "No
statement," "Not applicable," "N/A," "No comment," and "None."
and in release to the public exactly as submitted (or amended as
The optional statement must be entered on this sheet. The state-
AGENCIES FOR ACCURACY OR RELEVANCE. DISCLOSURE
ment should not exceed 100 words. Further, regardless of the
number of words, the statement must not exceed 750 characters,
OF THE STATEMENT SHALL NOT SIGNIFY THAT ANY FEDERAL
PRIVACY OF THEIR CUSTOMERS. Banks choosing not
including punctuation, indentation, and standard spacing between
words and sentences. If any submission should exceed 750 characters, as defined, it wil be truncated at 750 characters with no notice
to the submitting bank and the truncated statement wil appear as
described in the preceding paragraph) by the management of the
bank (except for the truncation of statements exceeding the 750character limit described above). THE STATEMENT WILL NOTBE
EDITED OR SCREENED IN ANY WAY BY THE SUPERVISORY
SUPERVISORY AGENCY HAS VERIFIED OR CONFIRMED THE
ACCURACY OF THE INFORMATION CONTAINED THEREIN. A
STATEMENT TO THIS EFFECT WILL APPEAR ON ANY PUBLIC
RELEASE OF THE OPTIONAL STATEMENT SUBMITIED BY
THE MANAGEMENT OF THE REPORTING BANK.
Comments? .................................................................................................................................................................
BANK MANAGEMENT STATEMENT (please type or print clearly):
(TEXT 6980)
| File Type | application/pdf |
| Author | rstorch |
| File Modified | 0000-00-00 |
| File Created | 0000-00-00 |