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pdfBoard of Governors of the Federal Reserve System
OMB Number: 7100-0036
Federal Deposit Insurance Corporation
OMB Number: 3064-0052
Office of the Comptroller of the Currency
OMB Number: 1557-0081
Expires May 31, 2012
Federal Financial Institutions Examination Council
1
Please refer to page i,
Table of Contents, for
the required disclosure
of estimated burden.
Consolidated Reports of Condition and Income for
A Bank With Domestic and Foreign Offices—FFIEC 031
Report at the close of business June 30, 2009
(20090630)
(RCON 9999)
This report is required by law: 12 U.S.C. § 324 (State member banks);
12 U.S.C. §1817 (State nonmember banks); and 12 U.S.C. §161
(National banks).
This report form is to be filed by banks with branches and consolidated
subsidiaries in U.S. territories and possessions, Edge or Agreement
subsidiaries, foreign branches, consolidated foreign subsidiaries, or
International Banking Facilities.
NOTE: Each bank’s board of directors and senior management are
responsible for establishing and maintaining an effective system
of internal control, including controls over the Reports of Condition
and Income. The Reports 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 Officer (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.
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 schedules) for this report date have been prepared in conformance with
the instructions issued by the appropriate Federal regulatory authority
and are true and correct to the best of my knowledge and belief.
Director (Trustee)
Director (Trustee)
Director (Trustee)
Signature of Chief Financial Officer (or Equivalent)
Date of Signature
Submission of Reports
Each bank must file its Reports of Condition and Income (Call Report)
data by either:
(a) Using computer software to prepare its Call Report and then
submitting the report data directly to the FFIEC’s Central Data
Repository (CDR), an Internet-based system for data collection
(https://cdr.ffiec.gov/cdr/), or
(b) Completing its Call Report in paper form and arranging with a
software vendor or another party to convert the data into the electronic format that can be processed by the CDR. The software
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 by e-mail at CDR.Help@ffiec.gov.
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 computergenerated version of this page) to the hard-copy record of the data file
submitted to the CDR that your bank must place in its files.
The appearance of your bank’s hard-copy record of the submitted
data file need not match exactly the appearance of the FFIEC’s
sample report forms, but should show at least the caption of each
Call Report item and the reported amount.
Legal Title of Bank (RSSD 9017)
City (RSSD 9130)
State Abbrev. (RSSD 9200)
ZIP Code (RSSD 9220)
FDIC Certificate Number
(RSSD 9050)
Board of Governors of the Federal Reserve System, Federal Deposit Insurance Corporation, Office of the Comptroller of the Currency
FFIEC 031
Page i
Consolidated Reports of Condition and Income for
A Bank With Domestic and Foreign Offices
2
Table of Contents
Signature Page
Cover
Contact Information ................................................... ii, iii
Report of Income
Schedule RI—Income Statement .........................RI-1, 2, 3
Schedule RI-A—Changes in Bank Equity Capital ........RI-4
Schedule RI-B—Charge-offs and Recoveries on
Loans and Leases and Changes in Allowance
for Loan and Lease Losses ..............................RI-4, 5, 6
Schedule RI-D—Income from Foreign Offices .............RI-6
Schedule RI-E—Explanations ..................................RI-7, 8
Schedule RC-C—Loans and Lease Financing
Receivables:
Part I. Loans and Leases .................. RC-8, 9, 10,11, 12
Part II. Loans to Small Businesses and
Small Farms (to be completed for the
June report only)..................................... RC-12a, 12b
Schedule RC-D—Trading Assets and Liabilities
(to be completed only by selected banks) RC-13, 14, 15
Schedule RC-E—Deposit Liabilities ................... RC-16, 17
Schedule RC-F—Other Assets ................................. RC-18
Schedule RC-G—Other Liabilities ............................ RC-18
Schedule RC-H—Selected Balance Sheet Items
for Domestic Offices ............................................. RC-19
Report of Condition
Schedule RC—Balance Sheet ............................... RC-1, 2
Schedule RC-A—Cash and Balances Due
From Depository Institutions .................................. RC-3
Schedule RC-B—Securities ....................... RC-3, 4, 5, 6, 7
Schedule RC-I—Assets and Liabilities of IBFs......... RC-19
Schedule RC-K—Quarterly Averages ...................... RC-20
Schedule RC-L—Derivatives and
Off-Balance Sheet Items .................... RC-21, 22, 23, 24
Schedule RC-M—Memoranda ........................... RC-25, 26
Schedule RC-N—Past Due and Nonaccrual
Loans, Leases, and Other Assets ............ RC-27, 28, 29
Disclosure of Estimated Burden
The estimated average burden associated with this information collection is
41.2 hours per respondent and is estimated to vary from 16 to 650 hours per
response, depending on individual circumstances. Burden estimates include the
time for reviewing instructions, gathering and maintaining data in the required form,
and completing the information collection, but exclude the time for compiling and
maintaining business records in the normal course of a respondent’s activities. A
Federal agency may not conduct or sponsor, and an organization (or a person) is not
required to respond to a collection of information, unless it displays a currently valid
OMB control number. Comments concerning the accuracy of this burden estimate
and suggestions for reducing this burden should be directed to the Office of Information and Regulatory Affairs, Office of Management and Budget, Washington, D.C.
20503, and to one of the following:
Secretary
Board of Governors of the Federal Reserve System
Washington, D.C. 20551
Legislative and Regulatory Analysis Division
Office of the Comptroller of the Currency
Washington, D.C. 20219
Assistant Executive Secretary
Federal Deposit Insurance Corporation
Washington, D.C. 20429
Schedule RC-O—Other Data for Deposit
Insurance and FICO Assessments........... RC-29, 30, 31
Schedule RC-P—1–4 Family Residential
Mortgage Banking Activities in Domestic
Offices (to be completed only by selected
banks) .................................................................. RC-32
Schedule RC-Q—Assets and Liabilities Measured
at Fair Value on a Recurring Basis (to be
completed only by selected banks) ................ RC-33, 34
Schedule RC-R—Regulatory Capital .......... RC-35, 36, 37,
38, 39
Schedule RC-S—Servicing, Securitization,
and Asset Sale Activities .......................... RC-40, 41, 42
Schedule RC-T—Fiduciary and Related
Services ................................................... RC-43, 44, 45
Optional Narrative Statement Concerning
the Amounts Reported in the Reports
of Condition and Income ...................................... RC-46
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 031
Page ii
3
Contact Information for the Reports of Condition and Income
To facilitate communication between the Agencies and the bank concerning the Reports of Condition and Income, please provide contact information for
(1) the Chief Financial Officer (or equivalent) of the bank signing the reports for this quarter and (2) the person at the bank—other than the Chief Financial Officer (or equivalent) — to whom questions about the reports should be directed. If the Chief Financial Officer (or equivalent) is the primary contact
for questions about the reports, please provide contact information for another person at the bank who will serve as a secondary contact for communications between the Agencies and the bank concerning the Reports of Condition and Income. Enter “none” for the contact’s e-mail address or fax number
if not available. Contact information for the Reports of Condition and Income is for the confidential use of the Agencies and will not be released to the
public.
Chief Financial Officer (or Equivalent) Signing the Reports
Other Person to Whom Questions about the Reports
Should be Directed
Name (TEXT C490)
Name (TEXT C495)
Title (TEXT C491)
Title (TEXT C496)
E-mail Address (TEXT C492)
E-mail Address (TEXT 4086)
Telephone: Area code/phone number/extension (TEXT C493)
Telephone: Area code/phone number/extension (TEXT 8902)
FAX: Area code/phone number (TEXT C494)
FAX: Area code/phone number (TEXT 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 official 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 will not be released to the public.
Primary Contact
Secondary Contact
Name (TEXT C366)
Name (TEXT C371)
Title (TEXT C367)
Title (TEXT C372)
E-mail Address (TEXT C368)
E-mail Address (TEXT C373)
Telephone: Area code/phone number/extension (TEXT C369)
Telephone: Area code/phone number/extension (TEXT C374)
FAX: Area code/phone number (TEXT C370)
FAX: Area code/phone number (TEXT C375)
FFIEC 031
Page iii
4
USA PATRIOT Act Section 314(a) Anti-Money Laundering Contact Information
This information is being requested to identify points-of-contact who are in charge of your bank’s USA PATRIOT Act Section 314(a) information requests.
Bank personnel listed could be contacted by law enforcement officers 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
officers and will not be released to the public.
Primary Contact
Secondary Contact
Name (TEXT C437)
Name (TEXT C442)
Title (TEXT C438)
Title (TEXT C443)
E-mail Address (TEXT C439)
E-mail Address (TEXT C444)
Telephone: Area code/phone number/extension (TEXT C440)
Telephone: Area code/phone number/extension (TEXT C445)
Third Contact
Fourth Contact
Name (TEXT C870)
Name (TEXT C875)
Title (TEXT C871)
Title (TEXT C876)
E-mail Address (TEXT C872)
E-mail Address (TEXT C877)
Telephone: Area code/phone number/extension (TEXT C873)
Telephone: Area code/phone number/extension (TEXT C878)
FFIEC 031
Page RI-1
5
Consolidated Report of Income
for the period January 1, 2009–June 30, 2009
All Report of Income schedules are to be reported on a calendar year-to-date basis in thousands of dollars.
Schedule RI—Income Statement
Dollar Amounts in Thousands
1. Interest income:
a. Interest and fee income on loans:
(1) In domestic offices:
(a) Loans secured by real estate:
(1) Loans secured by 1–4 family residential properties ...................................................
(2) All other loans secured by real estate ........................................................................
(b) Loans to finance agricultural production and other loans to farmers ...............................
(c) Commercial and industrial loans .....................................................................................
(d) Loans to individuals for household, family, and other personal expenditures:
(1) Credit cards ................................................................................................................
(2) Other (includes single payment, installment, all student loans, and revolving credit
plans other than credit cards)....................................................................................
(e) Loans to foreign governments and official institutions ......................................................
(f) All other loans in domestic offices ....................................................................................
(2) In foreign offices, Edge and Agreement subsidiaries, and IBFs .............................................
(3) Total interest and fee income on loans (sum of items 1.a.(1)(a) through 1.a.(2)) ...................
b. Income from lease financing receivables ......................................................................................
c. Interest income on balances due from depository institutions1 .....................................................
d. Interest and dividend income on securities:
(1) U.S. Treasury securities and U.S. Government agency obligations (excluding
mortgage-backed securities)...................................................................................................
(2) Mortgage-backed securities ....................................................................................................
(3) All other securities (includes securities issued by states and political subdivisions in the
U.S.) ........................................................................................................................................
e. Interest income from trading assets ..............................................................................................
f. Interest income on federal funds sold and securities purchased under agreements to resell ......
g. Other interest income ....................................................................................................................
h. Total interest income (sum of items 1.a.(3) through 1.g) ...............................................................
2. Interest expense:
a. Interest on deposits:
(1) Interest on deposits in domestic offices:
(a) Transaction accounts (NOW accounts, ATS accounts, and telephone and
preauthorized transfer accounts) ......................................................................................
(b) Nontransaction accounts:
(1) Savings deposits (includes MMDAs)..........................................................................
(2) Time deposits of $100,000 or more ...........................................................................
(3) Time deposits of less than $100,000 .........................................................................
(2) Interest on deposits in foreign offices, Edge and Agreement subsidiaries, and IBFs .............
b. Expense of federal funds purchased and securities sold under agreements to repurchase .........
c. Interest on trading liabilities and other borrowed money ...............................................................
1
Includes interest income on time certificates of deposit not held for trading.
RIAD
Bil
Mil
Thou
4435
4436
4024
4012
1.a.(1)(a)(1)
1.a.(1)(a)(2)
1.a.(1)(b)
1.a.(1)(c)
B485
1.a.(1)(d)(1)
B486
4056
B487
4059
4010
4065
4115
1.a.(1)(d)(2)
1.a.(1)(e)
1.a.(1)(f)
1.a.(2)
1.a.(3)
1.b.
1.c.
B488
B489
1.d.(1)
1.d.(2)
4060
4069
4020
4518
4107
1.d.(3)
1.e.
1.f.
1.g.
1.h.
4508
2.a.(1)(a)
0093
A517
A518
4172
4180
4185
2.a.(1)(b)(1)
2.a.(1)(b)(2)
2.a.(1)(b)(3)
2.a.(2)
2.b.
2.c.
FFIEC 031
Page RI-2
6
Schedule RI—Continued
Year-to-date
Dollar Amounts in Thousands
RIAD
2. Interest expense (continued):
d. Interest on subordinated notes and debentures ...................................... 4200
e. Total interest expense (sum of items 2.a through 2.d) ............................ 4073
3. Net interest income (item 1.h minus 2.e) .....................................................
4. Provision for loan and lease losses..............................................................
5. Noninterest income:
a. Income from fiduciary activities1.............................................................. 4070
b. Service charges on deposit accounts in domestic offices ....................... 4080
c. Trading revenue2 ..................................................................................... A220
d. (1) Fees and commissions from securities brokerage ............................ C886
(2) Investment banking, advisory, and underwriting fees and
commissions ..................................................................................... C888
(3) Fees and commissions from annuity sales ....................................... C887
(4) Underwriting income from insurance and reinsurance
activities ............................................................................................ C386
(5) Income from other insurance activities.............................................. C387
e. Venture capital revenue........................................................................... B491
f. Net servicing fees .................................................................................... B492
g. Net securitization income ........................................................................ B493
h. Not applicable
i. Net gains (losses) on sales of loans and leases ..................................... 5416
j. Net gains (losses) on sales of other real estate owned........................... 5415
k. Net gains (losses) on sales of other assets (excluding securities) .......... B496
l. Other noninterest income*....................................................................... B497
m. Total noninterest income (sum of items 5.a through 5.l)..........................
6. a. Realized gains (losses) on held-to-maturity securities ............................
b. Realized gains (losses) on available-for-sale securities..........................
7. Noninterest expense:
a. Salaries and employee benefits .............................................................. 4135
b. Expenses of premises and fixed assets (net of rental income)
(excluding salaries and employee benefits and mortgage interest) ........ 4217
c. (1) Goodwill impairment losses .............................................................. C216
(2) Amortization expense and impairment losses for other
intangible assets ............................................................................... C232
d. Other noninterest expense*..................................................................... 4092
e. Total noninterest expense (sum of items 7.a through 7.d) ......................
8. Income (loss) before income taxes and extraordinary items and other
adjustments (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e)..............
9. Applicable income taxes (on item 8) ............................................................
10. Income (loss) before extraordinary items and other adjustments
(item 8 minus item 9)....................................................................................
11. Extraordinary items and other adjustments, net of income taxes* ...............
12. Net income (loss) attributable to bank and noncontrolling (minority)
interests (sum of items 10 and 11) ...........................................................
13. LESS: Net income (loss) attributable to noncontrolling (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) ............
Bil
Mil
Thou
2.d.
2.e.
4074
4230
3.
4.
5.a.
5.b.
5.c.
5.d.(1)
5.d.(2)
5.d.(3)
5.d.(4)
5.d.(5)
5.e.
5.f.
5.g.
5.i.
5.j.
5.k.
5.l.
4079
3521
3196
5.m.
6.a.
6.b.
7.a.
7.b.
7.c.(1)
7.c.(2)
7.d.
4093
7.e.
4301
4302
8.
9.
4300
4320
10.
11.
G104
12.
G103
4340
13.
14.
* 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 5.a, must equal the
amount reported in Schedule RC-T, item 19.
2 For banks required to complete Schedule RI, Memorandum item 8, trading revenue reported in Schedule RI, item 5.c, must equal the
sum of Memorandum items 8.a through 8.e.
FFIEC 031
Page RI-3
7
Schedule RI—Continued
Memoranda
Year-to-date
Dollar Amounts in Thousands
RIAD
Bil
Mil
Thou
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 .................................... 4513
Memorandum item 2 is to be completed by banks with $1 billion or more in total assets.1
2. Income from the sale and servicing of mutual funds and annuities in domestic offices
(included in Schedule RI, item 8) .......................................................................................................
3. Income on tax-exempt loans and leases to states and political subdivisions in the U.S.
(included in Schedule RI, items 1.a and 1.b) .....................................................................................
4. Income on tax-exempt securities issued by states and political subdivisions in the U.S.
(included in Schedule RI, item 1.d.(3)) ...............................................................................................
5. Number of full-time equivalent employees at end of current period (round to nearest
whole number) ...................................................................................................................................
6. Not applicable
RIAD
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
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 million or more for any
quarter of the preceding calendar year.):
a. Interest rate exposures..................................................................................................................
b. Foreign exchange exposures ........................................................................................................
c. Equity security and index exposures .............................................................................................
d. Commodity and other exposures ..................................................................................................
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...............................
10. Credit losses on derivatives (see instructions) ...................................................................................
M.1.
8431
M.2.
4313
M.3.
4507
M.4.
Number
4150
CC
M.5.
YY
MM
M.7.
Year-to-date
RIAD
Bil
Mil
M.8.a.
M.8.b.
M.8.c.
M.8.d.
M.8.e.
C889
C890
A251
M.9.a.
M.9.b.
M.10.
Yes
Year-to-date
Memorandum item 12 is to be completed by banks that are required to complete Schedule
RIAD
Bil
Mil
RC-C, part I, Memorandum items 8.b and 8.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)(1)).................................................... F228
1
2
Thou
8757
8758
8759
8760
F186
RIAD
11. Does the reporting bank have a Subchapter S election in effect for federal income tax purposes
for the current tax year? ..................................................................................................................... A530
Memorandum item 13 is to be completed by banks that have elected to account for assets
and liabilities 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 liabilities ......................................................................................................
(1) Estimated net gains (losses) on liabilities attributable to changes in instrumentspecific credit risk....................................................................................................................
DD
No
M.11.
Thou
M.12.
F551
M.13.a.
F552
F553
M.13.a.(1)
M.13.b.
F554
M.13.b.(1)
The $1 billion asset size test is generally based on the total assets reported in the June 30, 2008, Report of Condition.
For example, a bank acquired on March 1, 2008, would report 20080301.
Schedule RI-A—Changes in Bank Equity Capital
Indicate decreases and losses in parentheses.
FFIEC 031
Page RI-4
Dollar Amounts in Thousands
1. Total bank equity capital most recently reported for the December 31, 2008, Reports of Condition
and Income (i.e., after adjustments from amended Reports of Income) ............................................
2. Restatements due to corrections of material accounting errors and changes in
accounting principles* ........................................................................................................................
3. Balance end of previous calendar year as restated (sum of items 1 and 2) ......................................
4. Net income (loss) attributable to bank (must equal Schedule RI, item 14) .....................................
5. Sale, conversion, acquisition, or retirement of capital stock, net (excluding treasury stock
transactions).......................................................................................................................................
6. Treasury stock transactions, net ........................................................................................................
7. Changes incident to business combinations, net ...............................................................................
8. LESS: Cash dividends declared on preferred stock...........................................................................
9. LESS: Cash dividends declared on common stock ...........................................................................
10. Other comprehensive income1 ...........................................................................................................
11. Other transactions with parent holding company* (not included in items 5, 6, 8, or 9 above) ...........
12. Total bank equity capital end of current period (sum of items 3 through 11) (must equal
Schedule RC, item 27.a) ....................................................................................................................
RIAD
Bil
Mil
8
Thou
3217
1.
B507
B508
4340
2.
3.
4.
B509
B510
4356
4470
4460
B511
4415
5.
6.
7.
8.
9.
10.
11.
3210
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, foreign currency translation adjustments, 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
Part I includes charge-offs and recoveries through
the allocated transfer risk reserve.
Dollar Amounts in Thousands
1. Loans secured by real estate:
a. Construction, land development, and other land loans in domestic
offices:
(1) 1–4 family residential construction loans ..........................................
(2) Other construction loans and all land development and other .........
land loans..........................................................................................
b. Secured by farmland in domestic offices .................................................
c. Secured by 1–4 family residential properties in domestic offices:
(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 ..................................................................
(b) Secured by junior liens ...............................................................
d. Secured by multifamily (5 or more) residential properties in domestic
offices .....................................................................................................
e. Secured by nonfarm nonresidential properties in domestic offices:
(1) Loans secured by owner-occupied nonfarm nonresidential
properties ..........................................................................................
(2) Loans secured by other nonfarm nonresidential properties ..............
f. In foreign offices ......................................................................................
2. Loans to depository institutions and acceptances of other banks:
a. To U.S. banks and other U.S. depository institutions...............................
b. To foreign banks ......................................................................................
3. Loans to finance agricultural production and other loans to farmers ...........
1
Include write-downs arising from transfers of loans to a held-for-sale account.
(Column A)
(Column B)
Charge-offs1
Recoveries
Calendar year-to-date
RIAD
Bil
Mil
Thou
RIAD
Bil
Mil
Thou
C891
C892
1.a.(1)
C893
3584
C894
3585
1.a.(2)
1.b.
5411
5412
1.c.(1)
C234
C235
C217
C218
1.c.(2)(a)
1.c.(2)(b)
3588
3589
1.d.
C895
C897
B512
C896
C898
B513
1.e.(1)
1.e.(2)
1.f.
4653
4654
4655
4663
4664
4665
2.a.
2.b.
3.
FFIEC 031
Page RI-5
9
Schedule RI-B—Continued
Part I. Continued
(Column A)
(Column B)
Charge-offs1
Recoveries
Calendar year-to-date
Dollar Amounts in Thousands
4. Commercial and industrial loans:
a. To U.S. addressees (domicile) .................................................................
b. To non-U.S. addressees (domicile)..........................................................
5. Loans to individuals for household, family, and other personal
expenditures:
a. Credit cards ............................................................................................
b. Other (includes single payment, installment, all student loans, and
revolving credit plans other than credit cards)........................................
6. Loans to foreign governments and official institutions ................................
7. All other loans .............................................................................................
8. Lease financing receivables:
a. Leases to individuals for household, family, and other personal
expenditures ...........................................................................................
b. All other leases .......................................................................................
9. Total (sum of items 1 through 8)..................................................................
RIAD
Bil
Mil
Thou
Bil
Mil
Thou
4645
4646
4617
4618
4.a.
4.b.
B514
B515
5.a.
B516
4643
4644
B517
4627
4628
5.b.
6.
7.
F185
C880
4635
F187
F188
4605
8.a.
8.b.
9.
(Column A)
(Column B)
Charge-offs1
Recoveries
Calendar year-to-date
Memoranda
Dollar Amounts in Thousands
RIAD
Bil
Mil
Thou
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 ............................................... 5409
2. Loans secured by real estate to non-U.S. addressees (domicile)
(included in Schedule RI-B, part I, item 1, above)....................................... 4652
3. Not applicable
Memorandum item 4 is to be completed by banks that (1) together with affiliated 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) ...........................
1
RIAD
Include write-downs arising from transfers of loans to a held-for-sale account.
RIAD
Bil
Mil
Thou
5410
M.1.
4662
M.2.
Calendar year-to-date
RIAD
C388
Bil
Mil
Thou
M.4.
Schedule RI-B—Continued
FFIEC 031
Page RI-6
10
Part II. Changes in Allowance for Loan and Lease Losses
Dollar Amounts in Thousands
1. Balance most recently reported for the December 31, 2008, Reports of Condition
and Income (i.e., after adjustments from amended Reports of Income) ............................................
2. Recoveries (must equal part I, item 9, column B, above) ..................................................................
3. LESS: Charge-offs (must equal part I, item 9, column A, above less Schedule RI-B,
part II, item 4) .....................................................................................................................................
4. LESS: Write-downs arising from transfers of loans to a held-for-sale account ..................................
5. Provision for loan and lease losses (must equal Schedule RI, item 4) ..............................................
6. Adjustments* (see instructions for this schedule) ..............................................................................
7. Balance end of current period (sum of items 1, 2, 5, and 6, less items 3 and 4)
(must equal Schedule RC, item 4.c) ..................................................................................................
RIAD
Bil
Mil
Thou
B522
4605
1.
2.
C079
5523
4230
C233
3.
4.
5.
6.
3123
7.
* Describe on Schedule RI-E—Explanations.
Memoranda
Dollar Amounts in Thousands
RIAD
Bil
Mil
Thou
1. Allocated transfer risk reserve included in Schedule RI-B, part II, item 7, above .............................. C435
M.1.
Memorandum items 2 and 3 are to be completed by banks that (1) together with affiliated 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.
2. Separate valuation allowance for uncollectible retail credit card fees and finance charges .............. C389
3. Amount of allowance for loan and lease losses attributable to retail credit card fees and finance
charges .............................................................................................................................................. C390
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) ................................................................................................................................................ C781
M.2.
M.3.
M.4.
Schedule RI-D—Income from Foreign Offices
For all banks with foreign offices (including Edge or Agreement subsidiaries and IBFs) where foreign office
revenues, assets, or net income exceed 10 percent of consolidated total revenues, total assets, or net income.
Year-to-date
Dollar Amounts in Thousands
RIAD
1. Total interest income in foreign offices ............................................................................................... C899
2. Total interest expense in foreign offices ............................................................................................. C900
3. Provision for loan and lease losses in foreign offices ........................................................................ C901
4. Noninterest income in foreign offices:
a. Trading revenue ............................................................................................................................
b. Investment banking, advisory, brokerage, and underwriting fees and commissions.....................
c. Net securitization income ..............................................................................................................
d. Other noninterest income ..............................................................................................................
5. Realized gains (losses) on held-to-maturity and available-for-sale securities in foreign offices ........
6. Total noninterest expense in foreign offices .......................................................................................
7. Adjustments to pretax income in foreign offices for internal allocations to foreign offices to reflect
the effects of equity capital on overall bank funding costs .................................................................
8. Applicable income taxes (on items 1 through 7) ................................................................................
9. Extraordinary items and other adjustments, net of income taxes, in foreign offices ..........................
10. Net income attributable to foreign offices before internal allocations of income and expense
(item 1 plus or minus items 2 through 9) ............................................................................................
11. Internal allocations of income and expense applicable to foreign offices ..........................................
12. Eliminations arising from the consolidation of foreign offices with domestic offices ..........................
13. Consolidated net income attributable to foreign offices (sum of items 10 through 12) ......................
Bil
Mil
Thou
1.
2.
3.
C902
C903
C904
C905
C906
C907
4.a.
4.b.
4.c.
4.d.
5.
6.
C908
C909
C910
7.
8.
9.
C911
C912
C913
C914
10.
11.
12.
13.
FFIEC 031
Page RI-7
11
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
significant items of other noninterest income and other noninterest expense in Schedule RI. (See instructions for details.)
Year-to-date
Dollar Amounts in Thousands
1. Other noninterest income (from Schedule RI, item 5.l)
Itemize and describe amounts greater than $25,000 that exceed 3% of Schedule RI, item 5.l:
a. Income and fees from the printing and sale of checks .................................................................
b. Earnings on/increase in value of cash surrender value of life insurance ......................................
c. Income and fees from automated teller machines (ATMs) ...........................................................
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 interchange fees .................................................................................
TEXT
h. 4461
TEXT
i. 4462
TEXT
j. 4463
2. Other noninterest expense (from Schedule RI, item 7.d)
Itemize and describe amounts greater than $25,000 that exceed 3% of Schedule RI, item 7.d:
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 ...............................................................................................
i. Consulting and advisory expenses ...............................................................................................
j. Automated teller machine (ATM) and interchange expenses .......................................................
k. Telecommunications expenses .....................................................................................................
TEXT
l. 4464
TEXT
m. 4467
TEXT
n. 4468
3. Extraordinary items and other adjustments and applicable income tax effect (from Schedule RI,
item 11) (itemize and describe all extraordinary items and other adjustments):
TEXT
a. (1) 4469
(2) Applicable income tax effect .............................................................. 4486
TEXT
b. (1) 4487
(2) Applicable income tax effect .............................................................. 4488
TEXT
c. (1) 4489
(2) Applicable income tax effect .............................................................. 4491
RIAD
Bil
Mil
Thou
C013
C014
C016
4042
C015
F229
F555
4461
4462
4463
1.a.
1.b.
1.c.
1.d.
1.e.
1.f.
1.g.
1.h.
1.i.
1.j.
C017
0497
4136
C018
8403
4141
4146
F556
F557
F558
F559
4464
4467
4468
2.a.
2.b.
2.c.
2.d.
2.e.
2.f.
2.g.
2.h.
2.i.
2.j.
2.k.
2.l.
2.m.
2.n
4469
3.a.(1)
3.a.(2)
3.b.(1)
3.b.(2)
3.c.(1)
3.c.(2)
4487
4489
FFIEC 031
Page RI-8
12
Schedule RI-E—Continued
Year-to-date
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. Cummulative effect of the initial application of FSP FAS 115-2 on other-than-temporary
impairment ...................................................................................................................................
b. TEXT
B527
5. Other transactions with parent holding company (from Schedule RI-A, item 11)
(itemize and describe all such transactions):
TEXT
a. 4498
TEXT
b. 4499
6. Adjustments to allowance for loan and lease losses (from Schedule RI-B,
part II, item 6) (itemize and describe all adjustments):
TEXT
a. 4521
TEXT
b. 4522
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):
RIAD
Other explanations (please type or print clearly):
(TEXT 4769)
Mil
Thou
G894
B527
4.a.
4.b.
4498
4499
5.a.
5.b.
4521
4522
6.a.
6.b.
RIAD
Comments? .......................................................................................................................................
Bil
4769
Yes
No
7.
FFIEC 031
Page RC-1
13
Consolidated Report of Condition for Insured Commercial
and State-Chartered Savings Banks for June 30, 2009
All schedules are to be reported in thousands of dollars. Unless otherwise indicated,
report the amount outstanding as of the last business day of the quarter.
Schedule RC—Balance Sheet
Dollar Amounts in Thousands
ASSETS
1. Cash and balances due from depository institutions (from Schedule RC-A):
a. Noninterest-bearing balances and currency and coin1 .......................................................
b. Interest-bearing balances2 ..................................................................................................
2. Securities:
a. Held-to-maturity securities (from Schedule RC-B, column A) .............................................
b. Available-for-sale securities (from Schedule RC-B, column D) ...........................................
3. Federal funds sold and securities purchased under agreements to resell:
a. Federal funds sold in domestic offices ....................................................................... RCON
b. Securities purchased under agreements to resell3 .................................................... RCFD
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 .......................... B528
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 .................................
9. Direct and indirect investments in real estate ventures.....................................................
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) .................................................................................
1
Includes cash items in process of collection and unposted debits.
Includes time certificates of deposit not held for trading.
3 Includes all securities resale agreements in domestic and foreign offices, regardless of maturity.
2
RCFD
Tril
Bil
Mil
Thou
0081
0071
1.a.
1.b.
1754
1773
2.a.
2.b.
B987
B989
3.a.
3.b.
RCFD
5369
B529
3545
2145
2150
2130
3656
4.a.
4.b.
4.c.
4.d.
5.
6.
7.
8.
9.
3163
0426
2160
2170
10.a.
10.b.
11.
12.
FFIEC 031
Page RC-2
Schedule RC—Continued
14
Dollar Amounts in Thousands
LIABILITIES
13. Deposits:
a. In domestic offices (sum of totals of columns A and C from Schedule RC-E, part I)...........
(1) Noninterest-bearing1 ............................................ RCON 6631
(2) Interest-bearing .................................................... RCON 6636
b. In foreign offices, Edge and Agreement subsidiaries, and IBFs
(from Schedule RC-E, part II) ..............................................................................................
(1) Noninterest-bearing .............................................. RCFN 6631
(2) Interest-bearing ..................................................... RCFN 6636
14. Federal funds purchased and securities sold under agreements to repurchase:
a. Federal funds purchased in domestic offices2 ............................................................ RCON
b. Securities sold under agreements to repurchase3 ...................................................... RCFD
15. Trading liabilities (from Schedule RC-D) .......................................................................... RCFD
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) .....................................................................................
21. Total liabilities (sum of items 13 through 20) ............................................................................
22. Not applicable
EQUITY CAPITAL
Bank Equity Capital
23. Perpetual preferred stock and related surplus .........................................................................
24. Common stock .........................................................................................................................
25. Surplus (exclude all surplus related to preferred stock) ...........................................................
26. a. Retained earnings ...............................................................................................................
b. Accumulated other comprehensive income5 .......................................................................
c. Other equity capital components6.........................................................................................
27. a. Total bank equity capital (sum of items 23 through 26.c) ..............................................
b. Noncontrolling (minority) interests in consolidated subsidiaries. ...............................
28. Total equity capital (sum of items 27.a and 27.b)................................................................
29. Total liabilities and equity capital (sum of items 21 and 28) ..............................................
RCON
Tril
Bil
2
3
4
5
6
13.a
13.a.(1)
13.a.(2)
RCFN
2200
13.b.
13.b.(1)
13.b.(2)
B993
B995
3548
14.a.
14.b.
15.
RCFD
3190
16.
3200
2930
2948
3000
19.
20.
21.
3838
3230
3839
3632
B530
A130
3210
3000
G105
3300
23.
24.
25.
26.a.
26.b.
26 c.
27.a.
27.b.
28.
29.
Number
M.1.
4 = Directors’ examination of the bank conducted in accordance with
generally accepted auditing standards by a certified public
accounting firm (may be required by state chartering authority)
5 = Directors’ examination of the bank performed by other external
auditors (may be required by state chartering authority)
6 = Review of the bank’s financial statements by external auditors
7 = Compilation of the bank’s financial statements by external
auditors
8 = Other audit procedures (excluding tax preparation work)
9 = No external audit work
RCON
To be reported with the March Report of Condition.
2. Bank’s fiscal year-end date ...................................................................................................................... 8678
1
Thou
2200
Memoranda
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
RCFD
most comprehensive level of auditing work performed for the bank by independent external
auditors as of any date during 2008 ............................................................................................................ 6724
1 = Independent audit of the bank conducted in accordance with
generally accepted auditing standards by a certified public
accounting firm which submits a report on the bank
2 = Independent audit of the bank’s parent holding company conducted in accordance with generally accepted auditing standards
by a certified public accounting firm which submits a report on the
consolidated holding company (but not on the bank separately)
3 = Attestation on bank management’s assertion on the effectiveness
of the bank’s internal control over financial reporting by a certified
public accounting firm
Mil
MM
DD
M.2.
Includes total demand deposits and noninterest-bearing time and savings deposits.
Report overnight Federal Home Loan Bank advances in Schedule RC, item 16, “Other borrowed money.”
Includes all securities repurchase agreements in domestic and foreign offices, regardless of maturity.
Includes limited-life preferred stock and related surplus.
Includes net unrealized holding gains (losses) on available-for-sale securities, accumulated net gains (losses) on cash flow hedges, cumulative foreign
currency translation adjustments, and minimum pension liability adjustments.
Includes treasury stock and unearned Employee Stock Ownership Plan shares.
FFIEC 031
Page RC-3
15
Schedule RC-A—Cash and Balances Due From Depository Institutions
Exclude assets held for trading.
Dollar Amounts in Thousands
1. Cash items in process of collection, unposted debits, and currency and
coin...............................................................................................................
a. Cash items in process of collection and unposted debits........................
b. Currency and coin ...................................................................................
2. Balances due from depository institutions in the U.S. ..................................
a. U.S. branches and agencies of foreign banks (including their IBFs).......
b. Other commercial banks in the U.S. and other depository institutions in
the U.S. (including their IBFs) .................................................................
3. Balances due from banks in foreign countries and foreign central banks ....
a. Foreign branches of other U.S. banks.....................................................
b. Other banks in foreign countries and foreign central banks ....................
4. Balances due from Federal Reserve Banks.................................................
5. Total (sum of items 1 through 4) (total of column A must equal
Schedule RC, sum of items 1.a and 1.b) .....................................................
(Column A)
Consolidated
Bank
RCFD
Bil
Mil
(Column B)
Domestic
Offices
Thou RCON
Bil
Mil
Thou
0022
1.
1.a.
1.b.
2.
2.a.
0020
0080
0082
0083
0085
0073
0074
0090
0090
2.b.
3.
3.a.
3.b.
4.
0010
0010
5.
0070
Schedule RC-B—Securities
Exclude assets held for trading.
Dollar Amounts in Thousands
1. U.S. Treasury securities ..
2. U.S. Government agency
obligations (exclude
mortgage-backed
securities):
a. Issued by U.S. Government agencies1 .....
b. Issued by U.S.
Governmentsponsored agencies2..
3. Securities issued by
states and political
subdivisions in the U.S. ...
1
2
Held-to-maturity
(Column A)
(Column B)
Amortized Cost
Fair Value
RCFD
Bil
Mil
Thou RCFD
Bil
Mil
Available-for-sale
(Column C)
(Column D)
Amortized Cost
Fair Value
Thou RCFD
Bil
Mil
Thou RCFD
Bil
Mil
Thou
0211
0213
1286
1287
1.
1289
1290
1291
1293
2.a.
1294
1295
1297
1298
2.b.
8496
8497
8498
8499
3.
Includes Small Business Administration “Guaranteed Loan Pool Certificates,” U.S. Maritime Administration obligations, and Export–Import Bank
participation certificates.
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 031
Page RC-4
16
Schedule RC-B—Continued
Held-to-maturity
(Column A)
(Column B)
Amortized Cost
Fair Value
Dollar Amounts in Thousands
RCFD
4. Mortgage-backed
securities (MBS):
a. Residential mortgage
pass-through
securities:
(1) Guaranteed by
GNMA .................. G300
(2) Issued by FNMA
and FHLMC.......... G304
(3) Other passthrough securities. G308
b. Other residential
mortgage-backed
securities (include
CMOs, REMICs, and
stripped MBS):
(1) Issued or guaranteed by FNMA,
FHLMC, or GNMA. G312
(2) Collateralized by
MBS issued or
guaranteed by
FNMA, FHLMC,
or GNMA .............. G316
(3) All other
residential MBS .... G320
c. Commercial MBS:
(1) Commercial
mortgage
pass-through
securities .......... G324
(2) Other
commercial MBS. G328
5. Asset-backed securities
and structured financial
products:
a. Asset-backed
securities (ABS).......... C026
b. Structured financial
products:
(1) Cash .................... G336
(2) Synthetic ............. G340
(3) Hybrid.................. G344
6. Other debt securities:
a. Other domestic debt
securities .................... 1737
b. Foreign debt
securities .................... 1742
Bil
Mil
Thou RCFD
Bil
Mil
Available-for-sale
(Column C)
(Column D)
Amortized Cost
Fair Value
Thou RCFD
Bil
Mil
Thou RCFD
Bil
Mil
Thou
G301
G302
G303
4.a.(1)
G305
G306
G307
4.a.(2)
G309
G310
G311
4.a.(3)
G313
G314
G315
4.b.(1)
G317
G318
G319
4.b.(2)
G321
G322
G323
4.b.(3)
G325
G326
G327
4.c.(1)
G329
G330
G331
4.c.(2)
C988
C989
C027
5.a.
G337
G341
G345
G338
G342
G346
G339
G343
G347
5.b.(1)
5.b.(2)
5.b.(3)
1738
1739
1741
6.a.
1743
1744
1746
6.b.
FFIEC 031
Page RC-5
17
Schedule RC-B—Continued
Held-to-maturity
(Column A)
(Column B)
Amortized Cost
Fair Value
Dollar Amounts in Thousands
RCFD
7. Investments in mutual
funds and other equity
securities with readily
determinable fair values1 .
8. Total (sum of items 1
through 7) (total of
column A must equal
Schedule RC, item 2.a)
(total of column D must
equal Schedule RC,
item 2.b) .......................... 1754
1
Bil
Mil
Thou RCFD
1771
Bil
Mil
Available-for-sale
(Column C)
(Column D)
Amortized Cost
Fair Value
Thou RCFD
Bil
Mil
Thou RCFD
3
4
5
6
Thou
A510
A511
7.
1772
1773
8.
Dollar Amounts in Thousands
1. Pledged securities1 ............................................................................................................................
2. Maturity and repricing data for debt securities1, 2 (excluding those in nonaccrual status):
a. Securities issued by the U.S. Treasury, U.S. Government agencies, and states and political
subdivisions in the U.S.; other non-mortgage debt securities; and mortgage pass-through
securities other than those backed by closed-end first lien 1–4 family residential mortgages
with a remaining maturity or next repricing date of: 3, 4
(1) Three months or less ..............................................................................................................
(2) Over three months through 12 months ...................................................................................
(3) Over one year through three years .........................................................................................
(4) Over three years through five years........................................................................................
(5) Over five years through 15 years ............................................................................................
(6) Over 15 years .........................................................................................................................
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 ..............................................................................................................
(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. 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 .....................................................................................................................
2
Mil
Report Federal Reserve stock, Federal Home Loan Bank stock, and bankers’ bank stock in Schedule RC-F, item 4.
Memoranda
1
Bil
RCFD
Bil
Mil
Thou
0416
M.1.
A549
A550
A551
A552
A553
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)
A555
A556
A557
A558
A559
A560
M.2.b.(1)
M.2.b.(2)
M.2.b.(3)
M.2.b.(4)
M.2.b.(5)
M.2.b.(6)
A561
A562
M.2.c.(1)
M.2.c.(2)
Includes held-to-maturity securities at amortized cost and available-for-sale securities at fair value.
Exclude investments in mutual funds and other equity securities with readily determinable fair values.
Report fixed rate debt securities by remaining maturity and floating rate debt securities by next repricing date.
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, 4.c.(1), 5, and
6, columns A and D, plus residential 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.
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 residential 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.
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, sum of items 4.b and 4.c.(2), columns A and D.
FFIEC 031
Page RC-6
18
Schedule RC-B—Continued
Memoranda—Continued
Dollar Amounts in Thousands
2. 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.......................................................................................................................................
Held-to-maturity
(Column A)
(Column B)
Amortized Cost
Fair Value
Dollar Amounts in Thousands
RCFD
Memorandum items 5.a
through 5.f are to be
completed by banks with
$1 billion or more in
total assets.1
5. Asset-backed securities
(ABS) (for each column,
sum of Memorandum
items 5.a through 5.f
must equal Schedule
RC-B, item 5.a):
a. Credit card
receivables ................. B838
b. Home equity lines ....... B842
c. Automobile loans ........ B846
d. Other consumer loans .. B850
e. Commercial and
industrial loans ........... B854
f. Other .......................... B858
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. G348
b. Trust preferred
securities issued
by real estate
investment trusts ..... G352
c. Corporate and
similar loans ............. G356
1
Bil
Mil
Thou RCFD
Bil
Mil
RCFD
Bil
Mil
Thou
A248
M.2.d.
1778
M.3.
8782
8783
M.4.a.
M.4.b.
Available-for-sale
(Column C)
(Column D)
Amortized Cost
Fair Value
Thou RCFD
Bil
Mil
Thou RCFD
Bil
Mil
Thou
B839
B843
B847
B851
B840
B844
B848
B852
B841
B845
B849
B853
M.5.a.
M.5.b.
M.5.c.
M.5.d.
B855
B859
B856
B860
B857
B861
M.5.e.
M.5.f.
G349
G350
G351
M.6.a.
G353
G354
G355
M.6.b.
G357
G358
G359
M.6.c.
The $1 billion asset size test is generally based on the total assets reported on the June 30, 2008, Report of Condition.
FFIEC 031
Page RC-7
19
Schedule RC-B—Continued
Memoranda—Continued
Held-to-maturity
(Column A)
(Column B)
Amortized Cost
Fair Value
Dollar Amounts in Thousands
6. 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 .......
RCFD
Bil
Mil
Thou RCFD
Bil
Mil
Available-for-sale
(Column C)
(Column D)
Amortized Cost
Fair Value
Thou RCFD
Bil
Mil
Thou RCFD
Bil
Mil
Thou
G360
G361
G362
G363
M.6.d.
G364
G365
G366
G367
M.6.e.
G368
G369
G370
G371
M.6.f.
G372
G373
G374
G375
M.6.g.
FFIEC 031
Page RC-8
20
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)
(Column B)
Consolidated
Domestic
Bank
Offices
Dollar Amounts in Thousands RCFD Bil
Mil
Thou RCON Bil
Mil
Thou
1. Loans secured by real estate ......................................................................
a. Construction, land development, and other land loans:
(1) 1–4 family residential construction loans .........................................
(2) Other construction loans and all land development and other
land loans.........................................................................................
b. Secured by farmland (including farm residential and other
improvements)........................................................................................
c. Secured by 1–4 family residential properties:
(1) Revolving, open-end loans secured by 1–4 family residential
properties and extended under lines of credit .................................
(2) Closed-end loans secured by 1–4 family residential properties:
(a) Secured by first liens .................................................................
(b) Secured by junior liens ..............................................................
d. Secured by multifamily (5 or more) residential properties ......................
e. Secured by nonfarm nonresidential properties:
(1) Loans secured by owner-occupied nonfarm nonresidential
properties .........................................................................................
(2) Loans secured by other nonfarm nonresidential properties .............
2. Loans to depository institutions and acceptances of other banks:
a. To commercial banks in the U.S. ............................................................
(1) To U.S. branches and agencies of foreign banks ............................
(2) To other commercial banks in the U.S. ............................................
b. To other depository institutions in the U.S. .............................................
c. To banks in foreign countries..................................................................
(1) To foreign branches of other U.S. banks..........................................
(2) To other banks in foreign countries ..................................................
3. Loans to finance agricultural production and other loans to farmers ..........
4. Commercial and industrial loans:
a. To U.S. addressees (domicile) ...............................................................
b. To non-U.S. addressees (domicile) ........................................................
5. Not applicable
6. Loans to individuals for household, family, and other personal
expenditures (i.e., consumer loans) (includes purchased paper):
a. Credit cards ............................................................................................
b. Other revolving credit plans....................................................................
c. Other consumer loans (includes single payment, installment, and all
student loans) .........................................................................................
7. Loans to foreign governments and official institutions (including foreign
central banks)..............................................................................................
8. Obligations (other than securities and leases) of states and political
subdivisions in the U.S. ...............................................................................
9. Other loans..................................................................................................
a. Loans for purchasing or carrying securities (secured and unsecured)...
b. All other loans (exclude consumer loans) ..............................................
1410
1.
F158
1.a.(1)
F159
1.a.(2)
1420
1.b.
1797
1.c.(1)
5367
5368
1460
1.c.(2)(a)
1.c.(2)(b)
1.d.
1.e.
F160
F161
1.e.(1)
1.e.(2)
B531
B536
B537
1590
1590
2.a.
2.a.(1)
2.a.(2)
2.b.
2.c.
2.c.(1)
2.c.(2)
3.
1763
1764
1763
1764
4.a.
4.b.
B538
B539
B538
B539
6.a.
6.b.
2011
2011
6.c.
2081
2081
7.
2107
1563
2107
8.
9.
9.a.
9.b.
B532
B533
B534
B534
B535
1545
1564
FFIEC 031
Page RC-9
21
Schedule RC-C—Continued
Part I. Continued
Dollar Amounts in Thousands
10. Lease financing receivables (net of unearned income)...............................
a. Leases to individuals for household, family, and other personal
expenditures (i.e., consumer leases) .....................................................
b. All other leases .......................................................................................
11. LESS: Any unearned income on loans reflected in items 1–9 above .........
12. Total loans and leases, net of unearned income (sum of items 1
through 10 minus item 11) (total of column A must equal
Schedule RC, sum of items 4.a and 4.b) ....................................................
Memoranda
(Column A)
Consolidated
Bank
RCFD
Bil
Mil
(Column B)
Domestic
Offices
Thou RCON
2
3
4
Mil
Thou
10.
F162
F163
2123
2123
10.a.
10.b.
11.
2122
2122
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 reported as past due or nonaccrual in Schedule RC-N,
Memorandum item 1):
a. Loans secured by 1–4 family residential properties in domestic offices........................................
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 in domestic offices
(reported in Schedule RC-C, part I, item 1.c.(2)(a), column B) with a remaining maturity or
next repricing date of: 1, 2
(1) Three months or less ..............................................................................................................
(2) Over three months through 12 months ...................................................................................
(3) Over one year through three years .........................................................................................
(4) Over three years through five years........................................................................................
(5) Over five years through 15 years ............................................................................................
(6) Over 15 years .........................................................................................................................
b. All loans and leases (reported in Schedule RC-C, part I, items 1 through 10, column A)
EXCLUDING closed-end loans secured by first liens on 1–4 family residential properties
in domestic offices (reported in Schedule RC-C, part I, item 1.c.(2)(a), column B) with a
remaining maturity or next repricing date of: 1, 3
(1) Three months or less ..............................................................................................................
(2) Over three months through 12 months ...................................................................................
(3) Over one year through three years .........................................................................................
(4) Over three years through 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 A)
with a REMAINING MATURITY of one year or less (excluding those in nonaccrual status) ........
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 A4 ............
1
Bil
2165
RCON
Bil
Mil
Thou
F576
M.1.a.
RCFD
1616
M.1.b.
RCON
A564
A565
A566
A567
A568
A569
M.2.a.(1)
M.2.a.(2)
M.2.a.(3)
M.2.a.(4)
M.2.a.(5)
M.2.a.(6)
RCFD
A570
A571
A572
A573
A574
A575
M.2.b.(1)
M.2.b.(2)
M.2.b.(3)
M.2.b.(4)
M.2.b.(5)
M.2.b.(6)
A247
M.2.c.
2746
M.3.
Report fixed rate loans and leases by remaining maturity and floating rate loans by next repricing date.
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 in domestic offices 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.
Sum of Memorandum items 2.b.(1) through 2.b.(6), plus total nonaccrual loans and leases from Schedule RC-N, sum of items 1 through 8,
column C, minus nonaccrual closed-end loans secured by first liens on 1–4 family residential properties in domestic offices included in
Schedule RC-N, item 1.c.(2)(a), column C, must equal total loans and leases from Schedule RC-C, part I, sum of items 1 through
10, column A, minus total closed-end loans secured by first liens on 1–4 family residential properties in domestic offices from Schedule RC-C,
part I, item 1.c.(2)(a), column B.
Exclude loans secured by real estate that are included in Schedule RC-C, part I, item 1, column A.
FFIEC 031
Page RC-10
22
Schedule RC-C—Continued
Part I. Continued
Memoranda—Continued
Dollar Amounts in Thousands
4. Adjustable rate closed-end loans secured by first liens on 1–4 family residential properties in
domestic offices (included in Schedule RC-C, part I, item 1.c.(2)(a), column B) ..............................
5. Loans secured by real estate to non-U.S. addressees (domicile) (included in Schedule RC-C,
part I, item 1, column A) .....................................................................................................................
Memorandum item 6 is to be completed by banks that (1) together with affiliated 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.
6. Outstanding credit card fees and finance charges included in Schedule RC-C, part I,
item 6.a, column A..............................................................................................................................
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........................................
8. Closed-end loans with negative amortization features secured by 1–4 family residential
properties in domestic offices:
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 8.b and 8.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 8.a) as of December 31, 2008, that exceeded
the lesser of $100 million or 5 percent of total loans and leases, net of unearned income,
in domestic offices (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 domestic offices 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.
Dollar Amounts in Thousands
RCON
10. Loans measured at fair value (included in Schedule RC-C, part I,
items 1 through 9):
a. Loans secured by real estate .................................................................. F608
(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 ..........................................................
Bil
Mil
Mil
Thou
5370
M.4.
RCFD
B837
M.5.
C391
M.6.
C779
C780
M.7.a.
M.7.b.
RCON
F230
M.8.a.
F231
M.8.b.
F232
M.8.c.
F577
M.9.
(Column A)
Consolidated
Bank
RCFD
Bil
(Column B)
Domestic
Offices
Thou RCON
Bil
Mil
Thou
F578
M.10.a.
M.10.a.(1)
F579
M.10.a.(2)
F580
M.10.a.(3)(a)
F581
F582
M.10.a.(3)(b)(1)
M.10.a.(3)(b)(2)
FFIEC 031
Page RC-11
23
Schedule RC-C—Continued
Part I. Continued
Dollar Amounts in Thousands
10. a. (4) Secured by multifamily (5 or more) residential properties.................
(5) Secured by nonfarm nonresidential properties .................................
b. Commercial and industrial loans .............................................................
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 .............................................................
(2) Secured by junior liens ..........................................................
(4) Secured by multifamily (5 or more) residential properties.................
(5) Secured by nonfarm nonresidential properties .................................
b. Commercial and industrial loans .............................................................
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 ..............................................................................................
(Column A)
Consolidated
Bank
RCFD
Bil
Mil
(Column B)
Domestic
Offices
Thou RCON
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. Commercial and industrial loans ..................
c. Loans to individuals for household, family,
and other personal expenditures..................
d. All other loans and all leases ........................
RCFD
Bil
Mil
Mil
Thou
F585
M.10.a.(4)
M.10.a.(5)
M.10.b.
F586
F587
F586
F587
M.10.c.(1)
M.10.c.(2)
F588
F589
F588
F589
M.10.c.(3)
M.10.d.
F590
M.11.a.
M.11.a.(1)
F591
M.11.a.(2)
F592
M.11.a.(3)(a)
F597
F593
F594
F595
F596
F597
M.11.a.(3)(b)(1)
M.11.a.(3)(b)(2)
M.11.a.(4)
M.11.a.(5)
M.11.b.
F598
F599
F598
F599
M.11.c.(1)
M.11.c.(2)
F600
F601
F600
F601
M.11.c.(3)
M.11.d.
F609
(Column A)
(Column B)
Fair value of acquired Gross contractual
loans and leases at amounts receivable
acquisition date
at acquisition date
Dollar Amounts in Thousands
Bil
F583
F584
F585
Thou RCFD
Bil
Mil
(Column C)
Best estimate at
acquisition date of
contractual cash
flows not expected to
be collected
Thou RCFD
Bil
Mil
Thou
G091
G094
G092
G095
G093
G096
M.12.a.
M.12.b.
G097
G100
G098
G101
G099
G102
M.12.c.
M.12.d.
FFIEC 031
Page RC-12
24
Schedule RC-C—Continued
Part I. Continued
Memoranda—Continued
Dollar Amounts in Thousands
RCON
Memoranda item 13 is to be completed by banks that had construction, land development, and
other land loans in domestic offices (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.
13. Construction, land development, and other land loans in domestic offices 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)................................................................................................ G376
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 RIAD
during the quarter (included in Schedule RI, item 1.a.(1)(a)(2)) .............................................. G377
RCFD
Memorandum item 14 is to be completed by all banks.
14. Pledged loans and leases .................................................................................................................. G378
Bil
Mil
Thou
M.13.a.
M.13.b.
M.14.
FFIEC 031
Page RC-12a
24a
Schedule RC-C—Continued
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” in domestic
offices reported in Schedule RC-C, part I, items 1.e(1) and 1.e.(2), column B, and all or
substantially all of the dollar volume of your bank’s “Commercial and industrial loans to U.S.
addressees” in domestic offices reported in Schedule RC-C, part I, item 4.a, column B, have
RCON
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.”) .............................................................. 6999
Yes
No
1.
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.
Number of Loans
2. Report the total number of loans currently outstanding for each of the following
RCON
Schedule RC-C, part I, loan categories:
a. “Loans secured by nonfarm nonresidential properties” in domestic offices reported in
Schedule RC-C, part I, items 1.e.(1) and 1.e.(2), column B (Note: Sum of items 1.e.(1) and
1.e.(2), column B, divided by the number of loans should NOT exceed $100,000.) ..................... 5562
b. “Commercial and industrial loans to U.S. addressees” in domestic offices reported in
Schedule RC-C, part I, item 4.a, column B (Note: Item 4.a, column B, divided by the number of
loans should NOT exceed $100,000.) ........................................................................................... 5563
(Column A)
Dollar Amounts in Thousands
3. Number and amount currently outstanding of “Loans secured by
nonfarm nonresidential properties” in domestic offices reported in
Schedule RC-C, part I, items 1.e.(1) and 1.e.(2), column B (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), column B):
a. With original amounts of $100,000 or less .............................................
b. With original amounts of more than $100,000 through $250,000 ..........
c. With original amounts of more than $250,000 through $1,000,000 .......
4. Number and amount currently outstanding of “Commercial and
industrial loans to U.S. addressees” in domestic offices reported in
Schedule RC-C, part I, item 4.a, column B (sum of items 4.a through 4.c
must be less than or equal to Schedule RC-C, part I, item 4.a, column B):
a. With original amounts of $100,000 or less .............................................
b. With original amounts of more than $100,000 through $250,000 ..........
c. With original amounts of more than $250,000 through $1,000,000 .......
2.a.
2.b.
(Column B)
Amount
Currently
Outstanding
Number of Loans
RCON
RCON
5564
5566
5568
5565
5567
5569
3.a.
3.b.
3.c.
5570
5572
5574
5571
5573
5575
4.a.
4.b.
4.c.
Bil
Mil
Thou
FFIEC 031
Page RC-12b
24b
Schedule RC-C—Continued
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)” in domestic offices reported in Schedule RC-C, part I, item 1.b, column B,
and all or substantially all of the dollar volume of your bank’s “Loans to finance agricultural
production and other loans to farmers” in domestic offices reported in Schedule RC-C, part I,
RCON
item 3, column B, have original amounts of $100,000 or less (If your bank has no loans
outstanding in both of these two loan categories, place an “X” in the box marked “NO.”) ................ 6860
Yes
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.
Number of Loans
6. Report the total number of loans currently outstanding for each of the following
RCON
Schedule RC-C, part I, loan categories:
a. “Loans secured by farmland (including farm residential and other improvements)” in domestic
offices reported in Schedule RC-C, part I, item 1.b, column B (Note: Item 1.b, column B,
divided by the number of loans should NOT exceed $100,000.) .................................................. 5576
b. “Loans to finance agricultural production and other loans to farmers” in domestic offices
reported in Schedule RC-C, part I, item 3, column B (Note: Item 3, column B, divided by the
number of loans should NOT exceed $100,000.).......................................................................... 5577
(Column A)
Dollar Amounts in Thousands
7. Number and amount currently outstanding of “Loans secured by
farmland (including farm residential and other improvements)” in
domestic offices reported in Schedule RC-C, part I, item 1.b,
column B (sum of items 7.a through 7.c must be less than or equal to
Schedule RC-C, part I, item 1.b, column B):
a. With original amounts of $100,000 or less............................................
b. With original amounts of more than $100,000 through $250,000 .........
c. With original amounts of more than $250,000 through $500,000 .........
8. Number and amount currently outstanding of “Loans to finance
agricultural production and other loans to farmers” in domestic offices
reported in Schedule RC-C, part I, item 3, column B (sum of
items 8.a through 8.c must be less than or equal to Schedule RC-C,
part I, item 3, column B):
a. With original amounts of $100,000 or less............................................
b. With original amounts of more than $100,000 through $250,000 .........
c. With original amounts of more than $250,000 through $500,000 .........
6.a.
6.b.
(Column B)
Amount
Currently
Outstanding
Number of Loans
RCON
RCON
Bil
Mil
Thou
5578
5580
5582
5579
5581
5583
7.a.
7.b.
7.c.
5584
5586
5588
5585
5587
5589
8.a.
8.b.
8.c.
FFIEC 031
Page RC-13
25
Schedule RC-D—Trading Assets and Liabilities
Schedule RC-D is to be completed by banks that reported average trading assets (Schedule RC-K, item 7) of $2 million or
more in any of the four preceding calendar quarters.
(Column A)
Consolidated
Bank
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 political subdivisions in the U.S. ................
4. Mortgage-backed securities (MBS):
a. Residential mortgage pass-through securities issued or
guaranteed by FNMA, FHLMC, or GNMA ............................................
b. Other residential MBS issued or guaranteed by FNMA,
FHLMC, or GNMA (include CMOs, REMICs, and stripped MBS) .......
c. All other residential MBS ......................................................................
d. Commercial MBS ...................................................................................
5. Other debt securities
a. Structured financial products:
(1) Cash .................................................................................................
(2) Synthetic ..........................................................................................
(3) Hybrid...............................................................................................
b. All other debt securities .......................................................................
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) ..................................................................................
(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 .........................................................
(4) Secured by multifamily (5 or more) residential properties.................
(5) Secured by nonfarm nonresidential properties .................................
b. Commercial and industrial loans .............................................................
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 .............................................................................................
7.–8. Not applicable
9. Other trading assets .....................................................................................
10. Not applicable
11. Derivatives with a positive fair value ............................................................
12. Total trading assets (sum of items 1 through 11) (total of column A must
equal Schedule RC, item 5) .........................................................................
RCFD
Bil
Mil
(Column B)
Domestic
Offices
Thou RCON
Bil
Mil
Thou
3531
3531
1.
3532
3533
3532
3533
2.
3.
G379
G379
4.a.
G380
G381
G382
G380
G381
G382
4.b.
4.c.
4.d.
G383
G384
G385
G386
G383
G384
G385
G386
5.a.(1)
5.a.(2)
5.a.(3)
5.b.
F604
6.a.
6.a.(1)
F605
6.a.(2)
F606
6.a.(3)(a)
F614
F607
F611
F612
F613
F614
6.a.(3)(b)(1)
6.a.(3)(b)(2)
6.a.(4)
6.a.(5)
6.b.
F615
F616
F615
F616
6.c.(1)
6.c.(2)
F617
F618
F617
F618
6.c.(3)
6.d.
3541
3541
9.
3543
3543
11.
3545
3545
12.
F610
FFIEC 031
Page RC-14
26
Schedule RC-D—Continued
(Column A)
Consolidated
Bank
Dollar Amounts in Thousands
LIABILITIES
13. a. Liability for short positions .......................................................................
b. Other trading liabilities .............................................................................
14. Derivatives with a negative fair value ..........................................................
15. Total trading liabilities (sum of items 13.a through 14) (total of column A
must equal Schedule RC, item 15) ..............................................................
RCFD
Bil
Mil
(Column B)
Domestic
Offices
Thou RCON
Bil
Mil
Thou
3546
F624
3547
3546
F624
3547
13.a.
13.b.
14.
3548
3548
15.
Memoranda
Dollar Amounts in Thousands
1. Unpaid principal balance of loans measured at fair value (reported
in Schedule RC-D, items 6.a 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) ..................................................................................
(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 ..........................................................
(4) Secured by multifamily (5 or more) residential properties.................
(5) Secured by nonfarm nonresidential properties .................................
b. Commercial and industrial loans .............................................................
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 ..............................................................................................
2. Loans measured at fair value that are past due 90 days or more:
a. Fair value ..............................................................................................
b. Unpaid principal balance .........................................................................
3. Structured financial products by underlying collateral or reference
assets (for each column, 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 ...............
b. Trust preferred securities issued by real estate investment
trusts .....................................................................................................
c. Corporate and similar loans .................................................................
d. 1–4 family residential MBS issued or guaranteed by U.S.
government-sponsored 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 ........................................................................................
RCFD
Bil
Mil
Thou RCON
F790
Bil
Mil
Thou
F625
M.1.a.
M.1.a.(1)
F626
M.1.a.(2)
F627
M.1.a.(3)(a)
F632
F628
F629
F630
F631
F632
M.1.a.(3)(b)(1)
M.1.a.(3)(b)(2)
M.1.a.(4)
M.1.a.(5)
M.1.b.
F633
F634
F633
F634
M.1.c.(1)
M.1.c.(2)
F635
F636
F635
F636
M.1.c.(3)
M.1.d.
F639
F640
F639
F640
M.2.a.
M.2.b.
G299
G299
M.3.a.
G332
G333
G332
G333
M.3.b.
M.3.c.
G334
G335
G651
G652
G334
G335
G651
G652
M.3.d.
M.3.e.
M.3.f.
M.3.g.
G387
G388
G387
G388
M.4.a.
M.4.b.
FFIEC 031
Page RC-15
27
Schedule RC-D—Continued
Memoranda—Continued
Memorandum items 5 through 10 are to be completed by banks that reported average trading assets
(Schedule RC-K, item 7) of $1 billion or more in any of the four preceding calendar quarters.
Dollar Amounts in Thousands
5. Asset-backed securities:
a. Credit card receivables..................................................................................................................
b. Home equity lines ..........................................................................................................................
c. Automobile loans ...........................................................................................................................
d. Other consumer loans ...................................................................................................................
e. Commercial and industrial loans ...................................................................................................
f. Other .............................................................................................................................................
6. Retained beneficial interests in securitizations (first-loss or equity tranches) ....................................
7. Equity securities:
a. Readily determinable fair values ...................................................................................................
b. Other .............................................................................................................................................
8. Loans pending securitization..............................................................................................................
9. Other trading assets (itemize and describe amounts included in Schedule RC-D, item 9,
that are greater than $25,000 and exceed 25% of the item):
TEXT
a. F655
TEXT
b. F656
TEXT
c. F657
10. Other trading liabilities (itemize and describe amounts included in Schedule RC-D,
item 13.b, that are greater than $25,000 and exceed 25% of the item):
TEXT
a. F658
TEXT
b. F659
TEXT
c. F660
RCFD
Bil
Mil
Thou
F643
F644
F645
F646
F647
F648
F651
M.5.a.
M.5.b.
M.5.c.
M.5.d.
M.5.e.
M.5.f.
M.6.
F652
F653
F654
M.7.a.
M.7.b.
M.8.
F655
F656
F657
M.9.a.
M.9.b.
M.9.c.
F658
F659
F660
M.10.a.
M.10.b.
M.10.c.
FFIEC 031
Page RC-16
28
Schedule RC-E—Deposit Liabilities
Part I. Deposits in Domestic Offices
Nontransaction
Accounts
Transaction Accounts
(Column A)
Total transaction
accounts (including
total demand
deposits)
Dollar Amounts in Thousands
Deposits of:
1. Individuals, partnerships, and corporations
(include all certified and official 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 official institutions
(including foreign central banks) ............................
7. Total (sum of items 1 through 6) (sum of
columns A and C must equal Schedule RC,
item 13.a) ...............................................................
Memoranda
RCON
Bil
Mil
(Column B)
Memo: Total
demand deposits
(included in
column A)
Thou RCON
Bil
Mil
Thou RCON
Bil
Mil
Thou
B549
2202
2203
B550
2520
2530
1.
2.
3.
B551
2213
B552
2236
4.
5.
2216
2377
6.
2385
7.
2215
2210
Dollar Amounts in Thousands
1. Selected components of total deposits (i.e., sum of item 7, columns A and C):
a. Total Individual Retirement Accounts (IRAs) and Keogh Plan accounts .......................................
b. Total brokered deposits .................................................................................................................
c. Fully insured brokered deposits (included in Memorandum item 1.b above):1
(1) Brokered deposits issued in denominations of less than $100,000 ........................................
(2) Brokered deposits issued in denominations of $100,000 and certain brokered
retirement deposit accounts ....................................................................................................
d. Maturity data for brokered deposits:
(1) Brokered deposits issued in denominations of less than $100,000 with a remaining maturity
of one year or less (included in Memorandum item 1.c.(1) above) ........................................
(2) Brokered deposits issued in denominations of $100,000 or more with a remaining maturity
of one year or less (included in Memorandum item 1.b above) ..............................................
e. Preferred deposits (uninsured deposits of states and political subdivisions in the U.S.
reported in item 3 above which are secured or collateralized as required under state law)
(to be completed for the December report only) ......................................................................
2. Components of total nontransaction accounts (sum of Memorandum items 2.a through 2.c must
equal item 7, column C above):
a. Savings deposits:
(1) Money market deposit accounts (MMDAs) .............................................................................
(2) Other savings deposits (excludes MMDAs) ............................................................................
b. Total time deposits of less than $100,000 .....................................................................................
c. Total time deposits of $100,000 or more .......................................................................................
(1) Individual Retirement Accounts (IRAs) and Keogh Plan accounts included in Memorandum
item 2.c, “Total time deposits of $100,000 or more,” above ....................................................
1
(Column C)
Total
nontransaction
accounts
(including MMDAs)
RCON
Bil
Mil
Thou
6835
2365
M.1.a.
M.1.b.
2343
M.1.c.(1)
2344
M.1.c.(2)
A243
M.1.d.(1)
A244
M.1.d.(2)
5590
M.1.e.
6810
0352
6648
2604
M.2.a.(1)
M.2.a.(2)
M.2.b.
M.2.c.
F233
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.
FFIEC 031
Page RC-17
29
Schedule RC-E—Continued
Part I. 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
2
3
4
RCON
Bil
Mil
Thou
A579
A580
A581
A582
M.3.a.(1)
M.3.a.(2)
M.3.a.(3)
M.3.a.(4)
A241
M.3.b.
A584
A585
A586
A587
M.4.a.(1)
M.4.a.(2)
M.4.a.(3)
M.4.a.(4)
A242
M.4.b.
Report fixed rate time deposits by remaining maturity and floating rate time deposits by next repricing date.
Sum of Memorandum items 3.a.(1) through 3.a.(4) must equal Schedule RC-E, Memorandum item 2.b.
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.
Sum of Memorandum items 4.a.(1) through 4.a.(4) must equal Schedule RC-E, Memorandum item 2.c.
Part II. Deposits in Foreign Offices (including Edge and
Agreement subsidiaries and IBFs)
Dollar Amounts in Thousands
Deposits of:
1. Individuals, partnerships, and corporations (include all certified and official checks) ........................
2. U.S. banks (including IBFs and foreign branches of U.S. banks) and other U.S. depository
institutions ..........................................................................................................................................
3. Foreign banks (including U.S. branches and agencies of foreign banks, including their IBFs) .........
4. Foreign governments and official institutions (including foreign central banks) .................................
5. U.S. Government and states and political subdivisions in the U.S. ...................................................
6. Total (sum of items 1 through 5) (must equal Schedule RC, item 13.b).............................................
Memorandum
Dollar Amounts in Thousands
RCFN
Bil
Mil
Thou
B553
1.
B554
2625
2650
B555
2200
2.
3.
4.
5.
6.
RCFN
1. Time deposits with a remaining maturity of one year or less (included in Part II, item 6 above) ....... A245
Bil
Mil
Thou
M.1.
FFIEC 031
Page RC-18
30
Schedule RC-F—Other Assets
Dollar Amounts in Thousands
RCFD
1. Accrued interest receivable1 ..............................................................................................................
2. Net deferred tax assets2 ....................................................................................................................
3. Interest-only strips receivable (not in the form of a security) 3 on:
a. Mortgage loans..............................................................................................................................
b. Other financial assets ....................................................................................................................
4. Equity securities that DO NOT have readily determinable fair values4 ..............................................
5. Life insurance assets .........................................................................................................................
6. All other assets (itemize and describe amounts greater than $25,000 that exceed 25% of
this item).............................................................................................................................................
a. Prepaid expenses................................................................................... 2166
b. Repossessed personal property (including vehicles) ............................. 1578
c. Derivatives with a positive fair value held for purposes other than
trading .................................................................................................... C010
d. Retained interests in accrued interest receivable related to securitized
credit cards ............................................................................................. C436
TEXt
3549
e. 3549
TEXT
3550
f. 3550
TEXT
3551
g. 3551
7. Total (sum of items 1 through 6) (must equal Schedule RC, item 11) ................................................
B556
2148
1.
2.
A519
A520
1752
C009
3.a.
3.b.
4.
5.
2168
6.
6.a.
6.b.
Bil
Mil
Thou
6.c.
6.d.
6.e
6.f
6.g.
7.
2160
Schedule RC-G—Other Liabilities
Dollar Amounts in Thousands
1. a. Interest accrued and unpaid on deposits in domestic offices 5 ......................................................
b. Other expenses accrued and unpaid (includes accrued income taxes
payable).........................................................................................................................................
2. Net deferred tax liabilities2 .................................................................................................................
3. Allowance for credit losses on off-balance sheet credit exposures....................................................
4. All other liabilities (itemize and describe amounts greater than $25,000 that exceed 25% of this
item) ...................................................................................................................................................
a. Accounts payable .................................................................................... 3066
b. Deferred compensation liabilities ............................................................ C011
c. Dividends declared but not yet payable .................................................. 2932
d. Derivatives with a negative fair value held for purposes other than
trading ..................................................................................................... C012
TEXT
3552
e. 3552
TEXT
3553
f. 3553
TEXT
3554
g. 3554
5. Total (sum of items 1 through 4) (must equal Schedule RC, item 20)................................................
1
2
3
4
5
RCON
Bil
Mil
Thou
3645
1.a.
RCFD
3646
3049
B557
1.b.
2.
3.
2938
4.
4.a.
4.b.
4.c.
2930
Include accrued interest receivable on loans, leases, debt securities, and other interest-bearing assets.
See discussion of deferred income taxes in Glossary entry on “income taxes.”
Report interest-only strips receivable in the form of a security as available-for-sale securities in Schedule RC, item 2.b, or as trading assets
in Schedule RC, item 5, as appropriate.
Include Federal Reserve stock, Federal Home Loan Bank stock, and bankers’ bank stock.
For savings banks, include “dividends” accrued and unpaid on deposits.
4.d.
4.e.
4.f.
4.g.
5.
FFIEC 031
Page RC-19
31
Schedule RC-H—Selected Balance Sheet Items for Domestic Offices
Domestic Offices
Dollar Amounts in Thousands
1. and 2. Not applicable
3. Securities purchased under agreements to resell ..............................................................................
4. Securities sold under agreements to repurchase...............................................................................
5. Other borrowed money ......................................................................................................................
EITHER
6. Net due from own foreign offices, Edge and Agreement subsidiaries, and IBFs ...............................
OR
7. Net due to own foreign offices, Edge and Agreement subsidiaries, and IBFs ...................................
8. Total assets (excludes net due from foreign offices, Edge and Agreement subsidiaries, and
IBFs) ..................................................................................................................................................
9. Total liabilities (excludes net due to foreign offices, Edge and Agreement subsidiaries, and
IBFs) ..................................................................................................................................................
(Column A)
Amortized Cost of
Held-to-Maturity
Securities
Dollar Amounts in Thousands
RCON
Bil
Mil
Bil
Mil
Thou
B989
B995
3190
3.
4.
5.
2163
6.
2941
7.
2192
8.
3129
9.
(Column B)
Fair Value of
Available-for-Sale
Securities
Thou RCON
10. U.S. Treasury securities ............................................................................... 0211
11. U.S. Government agency obligations (exclude mortgage-backed
securities) .....................................................................................................
12. Securities issued by states and political subdivisions in the U.S. ................
13. Mortgage-backed securities (MBS):
a. Mortgage pass-through securities:
(1) Issued or guaranteed by FNMA, FHLMC, or GNMA.........................
(2) Other mortgage pass-through securities...........................................
b. Other mortgage-backed securities (include CMOs, REMICs, and
stripped MBS):
(1) Issued or guaranteed by FNMA, FHLMC, or GNMA.........................
(2) All other mortgage-backed securities................................................
14. Other domestic debt securities (include domestic structured financial
products and domestic asset-backed securities) ...................................
15. Foreign debt securities (include foreign structured financial products
and foreign asset-backed securities) .......................................................
16. Investments in mutual funds and other equity securities with readily
determinable fair values ...............................................................................
17. Total held-to-maturity and available-for-sale securities (sum of
items 10 through 16) ..................................................................................
RCON
Bil
Mil
Thou
1287
10.
8492
8496
8495
8499
11.
12.
G389
1709
G390
1713
13.a.(1)
13.a.(2)
G393
1733
G394
1736
13.b.(1)
13.b.(2)
G397
G398
14.
G399
G400
15.
A511
16.
1773
17.
1754
RCON
Bil
Mil
Thou
18. Equity securities that do not have readily determinable fair values ................................................... 1752
18.
Schedule RC-I—Assets and Liabilities of IBFs
To be completed only by banks with IBFs and other “foreign” offices.
Dollar Amounts in Thousands
RCFN
1. Total IBF assets of the consolidated bank (component of Schedule RC, item 12) ........................... 2133
2. Total IBF liabilities (component of Schedule RC, item 21) ................................................................ 2898
Bil
Mil
Thou
1.
2.
FFIEC 031
Page RC-20
32
Schedule RC-K—Quarterly Averages1
Dollar Amounts in Thousands
ASSETS
1. Interest-bearing balances due from depository institutions .......................................................
2. U.S. Treasury securities and U.S. Government agency obligations 2 (excluding mortgagebacked securities) .....................................................................................................................
3. Mortgage-backed securities2 ....................................................................................................
4. All other securities 2, 3 (includes securities issued by states and political subdivisions in
the U.S.) ...................................................................................................................................
5. Federal funds sold and securities purchased under agreements to resell ................................
6. Loans:
a. Loans in domestic offices:
(1) Total loans ......................................................................................................................
(2) Loans secured by real estate:
(a) Loans secured by 1–4 family residential properties ................................................
(b) All other loans secured by real estate .....................................................................
(3) Loans to finance agricultural production and other loans to farmers .............................
(4) Commercial and industrial loans ....................................................................................
(5) Loans to individuals for household, family, and other personal expenditures:
(a) Credit cards .............................................................................................................
(b) Other (includes single payment, installment, all student loans, and
revolving credit plans other than credit cards) .........................................................
b. Total loans in foreign offices, Edge and Agreement subsidiaries, and IBFs ............... RCFN
7. Trading assets ................................................................................................................. RCFD
8. Lease financing receivables (net of unearned income)................................................... RCFD
9. Total assets 4 ................................................................................................................... RCFD
LIABILITIES
10. Interest-bearing transaction accounts in domestic offices (NOW accounts, ATS accounts,
and telephone and preauthorized transfer accounts) (exclude demand deposits) ...................
11. Nontransaction accounts in domestic offices:
a. Savings deposits (includes MMDAs) ....................................................................................
b. Time deposits of $100,000 or more ......................................................................................
c. Time deposits of less than $100,000 ....................................................................................
12. Interest-bearing deposits in foreign offices, Edge and Agreement subsidiaries,
and IBFs ........................................................................................................................ RCFN
13. Federal funds purchased and securities sold under agreements to repurchase ............. RCFD
14. Other borrowed money (includes mortgage indebtedness and obligations under
capitalized leases)............................................................................................................ RCFD
1
2
3
4
RCFD
Tril
Bil
Mil
Thou
3381
1.
B558
B559
2.
3.
B560
3365
4.
5.
RCON
3360
6.a.(1)
3465
3466
3386
3387
6.a.(2)(a)
6.a.(2)(b)
6.a.(3)
6.a.(4)
B561
6.a.(5)(a)
B562
3360
3401
3484
3368
6.a.(5)(b)
6.b.
7.
8.
9.
RCON
3485
10.
B563
A514
A529
11.a
11.b
11.c.
3404
3353
12.
13.
3355
14.
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).
Quarterly averages for all debt securities should be based on amortized cost.
Quarterly averages for all equity securities should be based on historical cost.
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 031
Page RC-21
33
Schedule RC-L—Derivatives and Off-Balance Sheet Items
Please read carefully the instructions for the preparation of Schedule RC-L. Some of the amounts
reported in Schedule RC-L are regarded as volume indicators and not necessarily as measures of risk.
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
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.......................................................................................................
Item 2.a is to be completed by banks with $1 billion or more in total assets.1
a. Amount of financial standby letters of credit conveyed to others ........... 3820
3. Performance standby letters of credit ................................................................................................
Item 3.a is to be completed by banks with $1 billion or more in total assets.1
a. Amount of performance standby letters of credit conveyed to others .... 3822
4. Commercial and similar letters of credit .............................................................................................
5. Not applicable
6. Securities lent (including customers’ securities lent where the customer is
indemnified against loss by the reporting bank) .................................................................................
(Column A)
Sold Protection
2
Bil
Mil
Thou
3814
3815
1.a.
1.b.
F164
1.c.(1)(a)
F165
1.c.(1)(b)
6550
3817
3818
3819
1.c.(2)
1.d.
1.e.
2.
3821
2.a.
3.
3411
3.a.
4.
3433
6.
(Column B)
Purchased Protection
RCFD Bil
Mil
Thou RCFD Bil
Mil
Thou
7. Credit derivatives:
a. Notional amounts:
C969
(1) Credit default swaps .................................. C968
C971
(2) Total return swaps ...................................... C970
C973
(3) Credit options ............................................. C972
C975
(4) Other credit derivatives .............................. C974
b. Gross fair values:
C221
(1) Gross positive fair value............................. C219
C222
(2) Gross negative fair value ........................... C220
c. Notational amounts by regulatory capital treatment:2
(1) Positions covered under the Market Risk Rule:
(a) Sold protection .................................................................................................................
(b) Purchased protection ......................................................................................................
(2) All other positions:
(a) Sold protection .................................................................................................................
(b) Purchased protection that is recognized as a guarantee for regulatory capital
purposes ..........................................................................................................................
(c) Purchased protection that is not recognized as a guarantee for regulatory capital
purposes ..........................................................................................................................
1
RCFD
7.a.(1)
7.a.(2)
7.a.(3)
7.a.(4)
7.b.(1)
7.b.(2)
G401
G402
7.c.(1)(a)
7.c.(1)(b)
G403
7.c.(2)(a)
G404
7.c.(2)(b)
G405
7.c.(2)(c)
The $1 billion asset size test is generally based on the total assets reported in the June 30, 2008, Report of Condition.
Sum of items 7.c.(1)(a) and 7.c.(2)(a) must equal sum of items 7.a.(1) through (4), column A. Sum of items 7.c.(1)(b), 7.c.(2)(b), and 7.c.(2)(c)
must equal sum of items 7.a.(1) through (4), column B.
FFIEC 031
Page RC-22
34
Schedule RC-L—Continued
Remaining Maturity of:
(Column A)
One Year or Less
Dollar Amounts in Thousands
7. d. Notional amounts by remaining maturity:
(1) Sold credit protection:1
(a) Investment grade ...............................
(b) Subinvestment grade.........................
(2) Purchased credit protection:2
(a) Investment grade ...............................
(b) Subinvestment grade.........................
RCFD
Bil
Mil
(Column B)
Over One Year
Through Five Years
Thou RCFD
Bil
Mil
(Column C)
Over Five Years
Thou RCFD
Bil
Mil
Thou
G406
G409
G407
G410
G408
G411
7.d.(1)(a)
7.d.(1)(b)
G412
G415
G413
G416
G414
G417
7.d.(2)(a)
7.d.(2)(b)
RCFD
Bil
Mil
Thou
8. Spot foreign exchange contracts........................................................................................................ 8765
9. All other off-balance sheet liabilities (exclude derivatives) (itemize and describe each component
of this item over 25% of Schedule RC, item 27.a, “Total bank equity capital”)................................... 3430
a. Securities borrowed................................................................................ 3432
b. Commitments to purchase when-issued securities ................................ 3434
c. Standby letters of credit issued by a Federal Home Loan Bank on the
bank’s behalf .......................................................................................... C978
TEXT
3555
d. 3555
TEXT
3556
e. 3556
TEXT
3557
f. 3557
10. All other off-balance sheet assets (exclude derivatives) (itemize and
describe each component of this item over 25% of Schedule RC,
5591
item 27.a, “Total bank equity capital”) .........................................................
a. Commitments to sell when-issued securities ......................................... 3435
TEXT
5592
b. 5592
TEXT
5593
c. 5593
TEXT
5594
d. 5594
TEXT
5595
e. 5595
RCFD
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
1
2
Sum of items 7.d.(1)(a) and (b), columns A through C, must equal sum of items 7.a.(1) through (4), column A.
Sum of items 7.d.(2)(a) and (b), columns A through C, must equal sum of items 7.a.(1) through (4), column B.
Tril
8.
9.
9.a.
9.b.
9.c.
9.d.
9.e.
9.f.
10.
10.a.
10.b.
10.c.
10.d.
10.e.
Bil
Mil
Thou
11.a.
11.b.
FFIEC 031
Page RC-23
35
Schedule RC-L—Continued
(Column A)
Interest Rate
Contracts
Dollar Amounts in Thousands
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:
(1) Written options ..........................
(2) Purchased options ....................
d. Over-the-counter option contracts:
(1) Written options ..........................
Tril
Bil
Mil
(Column B)
Foreign Exchange
Contracts
Thou Tril
Bil
Mil
(Column C)
Equity Derivative
Contracts
Thou Tril
Bil
Mil
(Column D)
Commodity and
Other Contracts
Thou Tril
Bil
Mil
RCFD 8693
RCFD 8694
RCFD 8695
RCFD 8696
RCFD 8697
RCFD 8698
RCFD 8699
RCFD 8700
RCFD 8701
RCFD 8702
RCFD 8703
RCFD 8704
RCFD 8705
RCFD 8706
RCFD 8707
RCFD 8708
RCFD 8709
RCFD 8710
RCFD 8711
RCFD 8712
RCFD 8713
RCFD 8714
RCFD 8715
RCFD 8716
RCFD 3450
RCFD 3826
RCFD 8719
RCFD 8720
RCFD A126
RCFD A127
RCFD 8723
RCFD 8724
12.a.
12.b.
12.c.(1)
12.c.(2)
12.d.(1)
(2) Purchased options ....................
e. Swaps..............................................
13. Total gross notional amount of
derivative contracts held for trading .....
14. Total gross notional amount of
derivative contracts held for
purposes other than trading .................
a. Interest rate swaps where the
bank has agreed to pay a
fixed rate..........................................
15. Gross fair values of derivative
contracts:
a. Contracts held for trading:
(1) Gross positive fair value............
(2) Gross negative fair value ..........
b. Contracts held for purposes other
than trading:
(1) Gross positive fair value............
(2) Gross negative fair value ..........
Thou
12.d.(2)
12.e.
13.
RCFD 8725
RCFD 8726
RCFD 8727
RCFD 8728
14.
RCFD A589
14.a.
RCFD 8733
RCFD 8734
RCFD 8735
RCFD 8736
RCFD 8737
RCFD 8738
RCFD 8739
RCFD 8740
15.a.(1)
15.a.(2)
RCFD 8741
RCFD 8742
RCFD 8743
RCFD 8744
RCFD 8745
RCFD 8746
RCFD 8747
RCFD 8748
15.b.(1)
15.b.(2)
FFIEC 031
Page RC-24
36
Schedule RC-L—Continued
Item 16 is to be completed only by banks with total assets of $10 billion or more.1
(Column A)
Banks and Securities
Firms
Dollar Amounts in Thousands
16. Over-the counter derivatives:
a. Net current credit exposure ........................
b. Fair value of collateral:
(1) Cash—U.S. dollar ...................................
(2) Cash—Other currencies ........................
(3) U.S. Treasury securities ........................
(4) U.S. Government agency and
U.S. Government-sponsored 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) through (7)) .....................
1
RCFD
Bil
Mil
(Column B)
Monoline Financial
Guarantors
Thou RCFD
Bil
Mil
(Column C)
Hedge Funds
Thou RCFD
Bil
Mil
(Column D)
Sovereign
Governments
Thou RCFD
Bil
Mil
(Column E)
Corporations and All
Other Counterparties
Thou RCFD
Bil
Mil
Thou
G418
G419
G420
G421
G422
16.a.
G423
G428
G433
G424
G429
G434
G425
G430
G435
G426
G431
G436
G427
G432
G437
16.b.(1)
16,b,(2)
16.b.(3)
G438
G443
G448
G453
G439
G444
G449
G454
G440
G445
G450
G455
G441
G446
G451
G456
G442
G447
G452
G457
16.b.(4)
16.b.(5)
16.b.(6)
16.b.(7)
G458
G459
G460
G461
G462
16.b.(8)
The $10 billion asset size test is generally based on the total assets reported on the June 30, 2008, Report of Condition.
FFIEC 031
Page RC-25
37
Schedule RC-M—Memoranda
Dollar Amounts in Thousands RCFD
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 officers, directors, principal
shareholders, and their related interests ....................................................................................... 6164
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
Number
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
2. Intangible assets other than goodwill:
a. Mortgage servicing assets.............................................................................................................
(1) Estimated fair value of mortgage servicing assets ............................ A590
b. Purchased credit card relationships and nonmortgage servicing assets ......................................
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:
a. Construction, land development, and other land in domestic offices ............................................
b. Farmland in domestic offices.........................................................................................................
c. 1– 4 family residential properties in domestic offices.....................................................................
d. Multifamily (5 or more) residential properties in domestic offices..................................................
e. Nonfarm nonresidential properties in domestic offices..................................................................
f. Foreclosed properties from “GNMA loans” ....................................................................................
Bil
Mil
Thou
1.a.
1.b.
3164
B026
5507
0426
2.a.
2.a.(1)
2.b.
2.c.
2.d.
RCON
5508
5509
5510
5511
5512
C979
3.a.
3.b.
3.c.
3.d.
3.e.
3.f.
RCFN
g. In foreign offices ............................................................................................................................ 5513
3.g.
RCFD
h. Total (sum of items 3.a through 3.g) (must equal Schedule RC, item 7) ...................................
4. Not applicable
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 ...................................................................................................................
(2) Advances with a REMAINING MATURITY of one year or less (included in item 5.a.(1)(a)
above)2 ...................................................................................................................................
(3) Structured advances (included in items 5.a.(1)(a) – (d) above) ..............................................
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)(a) above)4 ............................................................................................................
c. Total (sum of items 5.a.(1)(a)–(d) and items 5.b.(1)(a)–(d)) (must equal Schedule RC,
item 16) .........................................................................................................................................
1
2
3
4
2150
3.h.
F055
F056
F057
F058
5.a.(1)(a)
5.a.(1)(b)
5.a.(1)(c)
5.a.(1)(d)
2651
F059
5.a.(2)
5.a.(3)
F060
F061
F062
F063
5.b.(1)(a)
5.b.(1)(b)
5.b.(1)(c)
5.b.(1)(d)
B571
5.b.(2)
3190
5.c.
Report fixed rate advances by remaining maturity and floating rate advances by next repricing date.
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.
Report fixed rate other borrowings by remaining maturity and floating rate other borrowings by next repricing date.
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 031
Page RC-26
38
Schedule RC-M—Continued
Dollar Amounts in Thousands
RCFD
Yes
No
6. Does the reporting bank sell private label or third-party mutual funds and annuities? ...................... B569
RCFD
6.
Bil
Mil
Thou
7. Assets under the reporting bank’s management in proprietary mutual funds and annuities.............. B570
7.
8. Primary Internet Web site address of the bank (home page), if any
(Example: www.examplebank.com)
TEXT http://
4087
8.
RCFD
9. Do any of the bank’s Internet Web sites have transactional capability, i.e., allow the bank’s
customers to execute transactions on their accounts through the Web site? .................................... 4088
10. Secured liabilities:
RCON
a. Amount of ‘‘Federal funds purchased in domestic offices” that are secured (included in
Schedule RC, item 14.a) ............................................................................................................... F064
RCFD
b. Amount of ‘‘Other borrowings” that are secured (included in Schedule RC-M,
items 5.b.(1)(a)–(d)) ...................................................................................................................... F065
RCON
11. Does the bank act as trustee or custodian for Individual Retirement Accounts, Health
Savings Accounts, and other similar accounts? .......................................................................... G463
12. Does the bank provide custody, safekeeping, or other services involving the acceptance of
orders for the sale or purchase of securities? .............................................................................. G464
Yes
No
9.
Bil
Mil
Thou
10.a.
10.b.
Yes
No
11.
12.
FFIEC 031
Page RC-27
39
Schedule RC-N—Past Due and Nonaccrual Loans, Leases, and Other Assets
(Column A)
Past due
30 through 89
days and still
accruing
Dollar Amounts in Thousands
1. Loans secured by real estate:
a. Construction, land development, and other
land loans in domestic offices:
(1) 1–4 family residential construction
loans ...........................................................
(2) Other construction loans and all land
development and other land loans ..............
b. Secured by farmland in domestic offices ..........
c. Secured by 1– 4 family residential
properties in domestic offices:
(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 ............................
(b) Secured by junior liens .........................
d. Secured by multifamily (5 or more) residential
properties in domestic offices ...........................
e. Secured by nonfarm nonresidential
properties in domestic offices:
(1) Loans secured by owner-occupied
nonfarm nonresidential properties ..............
(2) Loans secured by other nonfarm
nonresidential properties.............................
f. In foreign offices ................................................
2. Loans to depository institutions and acceptances
of other banks:
a. To U.S. banks and other U.S. depository
institutions .........................................................
b. To foreign banks ................................................
3. Loans to finance agricultural production and
other loans to farmers ............................................
4. Commercial and industrial loans:
a. To U.S. addressees (domicile) ..........................
b. To non-U.S. addressees (domicile) ...................
5. Loans to individuals for household, family, and
other personal expenditures:
a. Credit cards .......................................................
b. Other (includes single payment, installment,
all student loans, and revolving credit plans
other than credit cards) .....................................
6. Loans to foreign governments and official
institutions ..............................................................
7. All other loans ........................................................
RCON
Bil
Mil
(Column B)
Past due 90
days or more
and still
accruing
Thou RCON
Bil
Mil
(Column C)
Nonaccrual
Thou RCON
Bil
Mil
Thou
F172
F174
F176
1.a.(1)
F173
3493
F175
3494
F177
3495
1.a.(2)
1.b.
5398
5399
5400
1.c.(1)
C236
C238
C237
C239
C229
C230
1.c.(2)(a)
1.c.(2)(b)
3499
3500
3501
1.d.
3502
3503
3504
F178
F180
F182
1.e.(1)
1.e.(2)
F179
F181
F183
RCFN
RCFN
RCFN
B572
B573
B574
RCFD
RCFD
RCFD
5377
5380
5378
5381
5379
5382
2.a.
2.b.
1594
1597
1583
3.
1251
1254
1252
1255
1253
1256
4.a.
4.b.
B575
B576
B577
5.a.
B578
B579
B580
5.b.
5389
5459
5390
5460
5391
5461
6.
7.
1.f.
FFIEC 031
Page RC-28
40
Schedule RC-N—Continued
Amounts reported in Schedule RC-N, items 1 through 8, include guaranteed and unguaranteed portions of past due and nonaccrual loans
and leases. Report in item 10 below certain guaranteed loans and leases that have already been included in the amounts reported in
items 1 through 8.
(Column A)
Past due
30 through 89
days and still
accruing
Dollar Amounts in Thousands
8. Lease financing receivables:
a. Leases to individuals for household, family,
and other personal expenditures .....................
b. All other leases ................................................
9. Debt securities and other assets (exclude
other real estate owned and other repossessed
assets) ..................................................................
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 10 above.................................
Memoranda
RCFD
Bil
Mil
(Column B)
Past due 90
days or more
and still
accruing
Thou RCFD
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):
a. Loans secured by 1–4 family residential
properties in domestic offices ...........................
b. Other loans and all leases (exclude loans
to individuals for household, family, and
other personal expenditures) ............................
2. Loans to finance commercial real estate,
construction, and land development activities
(not secured by real estate) included in
Schedule RC-N, items 4 and 7, above ...................
3. Loans secured by real estate to non-U.S.
addresses (domicile) (included in
Schedule RC-N, item 1, above) .............................
4. Not applicable
Mil
Thou RCFD
Bil
Mil
Thou
F166
F169
F167
F170
F168
F171
8.a.
8.b.
3505
3506
3507
9.
5612
5613
5614
10.
5615
5616
5617
10.a.
C866
C867
C868
10.b.
(Column A)
Past due
30 through 89
days and still
accruing
Dollar Amounts in Thousands
Bil
(Column C)
Nonaccrual
RCON
Bil
Mil
(Column B)
Past due 90
days or more
and still
accruing
Thou RCON
Bil
Mil
(Column C)
Nonaccrual
Thou RCON
Bil
Mil
Thou
F661
F662
F663
RCFD
RCFD
RCFD
1658
1659
1661
M.1.b.
6558
6559
6560
M.2.
1248
1249
1250
M.3.
M.1.a.
FFIEC 031
Page RC-29
41
Schedule RC-N—Continued
Memoranda—Continued
(Column A)
Past due
30 through 89
days and still
accruing
Dollar Amounts in Thousands
RCFD
Bil
Mil
(Column B)
Past due 90
days or more
and still
accruing
Thou RCFD
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
RCFD
6. Derivative contracts:
Fair value of amounts carried as assets ................ 3529
Bil
Mil
Mil
Thou
RCFD
Bil
Mil
Thou
C241
C226
M.5.a.
F665
F668
F666
F669
M.5.b.(1)
M.5.b.(2)
(Column A)
Past due 30
through 89 days
Dollar Amounts in Thousands
Bil
(Column C)
Nonaccrual
(Column B)
Past due 90
days or more
Thou RCFD
Bil
Mil
Thou
3530
M.6.
RCFD
Bil
Mil
Thou
7. Additions to nonaccrual assets during the quarter .............................................................................. C410
8. Nonaccrual assets sold during the quarter.......................................................................................... C411
M.7.
M.8.
Schedule RC-O—Other Data for Deposit Insurance and FICO Assessments
All banks must complete items 1 through 3, items 7 through 9, Memorandum item 1, and, if applicable, Memorandum items 2,
3, and 4 each quarter. Each bank that reported $1 billion or more in total assets in its March 31, 2007, Report of Condition must
complete items 4 through 6 each quarter. In addition, each bank that reported $1 billion or more in total assets in two consecutive Reports of Condition beginning with its June 30, 2007, report must begin to complete items 4 through 6 each quarter
starting six months after the second consecutive quarter in which it reports 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 through 6 each quarter. Any other bank may
choose to complete items 4 through 6, but the bank must then continue to complete items 4 through 6 each quarter thereafter.
Dollar Amounts in Thousands
1. Total deposit liabilities before exclusions (gross) as defined in Section 3(l) of the Federal
Deposit Insurance Act and FDIC regulations ....................................................................................
2. Total allowable exclusions, including interest accrued and unpaid on allowable exclusions
(including foreign deposits) ...............................................................................................................
3. Total foreign deposits, including interest accrued and unpaid thereon (included in item 2
above) ...............................................................................................................................................
4. Total daily average of deposit liabilities before exclusions (gross) as defined in
Section 3(l) of the Federal Deposit Insurance Act and FDIC regulations ..........................................
5. Total daily average of allowable exclusions, including interest accrued and unpaid on
allowable exclusions (including foreign deposits) .............................................................................
6. Total daily average of foreign deposits, including interest accrued and unpaid thereon
(included in item 5 above) .................................................................................................................
RCFD
Bil
Mil
Thou
F236
1.
F237
2.
RCFN
F234
RCFD
3.
F238
4.
F239
5.
RCFN
F235
6.
FFIEC 031
Page RC-30
42
Schedule RC-O—Continued
Dollar Amounts in Thousands
7. Unsecured “Other borrowings” with a remaining maturity of (sum of items 7.a through
7.d must be less than or equal to 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.............................................................................................................................
8. Subordinated notes and debentures with a remaining maturity of (sum of items 8.a.
through 8.d. must equal Schedule RC, item 19):
a. One year or less ..........................................................................................................................
b. Over one year through three years............................................................................................
c. Over three years through five years ..........................................................................................
d. Over five years.............................................................................................................................
RCFD
Bil
Mil
Thou
G465
G466
G467
G468
7.a.
7.b.
7.c.
7.d.
G469
G470
G471
G472
8.a.
8.b.
8.c.
8.d.
RCON
9. Reciprocal brokered deposits (included in Schedule RC-E, part I, Memorandum item 1.b) .... G803
9.
FFIEC 031
Page RC-31
43
Schedule RC-O—Continued
Memoranda
Dollar Amounts in Thousands
1. Total assessable deposits in domestic offices of the bank and in insured branches in Puerto Rico
and U.S. territories and possessions, 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 ................
Number
(2) Number of deposit accounts (excluding retirement accounts)
of $100,000 or less (to be completed for the June report only) ....... F050
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 ..........
Number
(2) Number of deposit accounts (excluding retirement accounts)
of more than $100,000 ....................................................................... F052
c. Retirement deposit accounts of $250,000 or less:1
(1) Amount of retirement deposit accounts of $250,000 or less ..................................................
Number
(2) Number of retirement deposit accounts of $250,000 or less
(to be completed for the June report only) ....................................... F046
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
Memorandum item 2 is to be completed by banks with $1 billion or more in total assets.2
2. Estimated amount of uninsured assessable deposits in domestic offices of the bank and in
insured branches in Puerto Rico and U.S. territories and possessions, 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
association:
TEXT
A545
RCON
Bil
Mil
Thou
F049
M.1.a.(1)
M.1.a.(2)
F051
M.1.b.(1)
M.1.b.(2)
F045
M.1.c.(1)
M.1.c.(2)
F047
M.1.d.(1)
M.1.d.(2)
5597
RCON
M.2.
FDIC Cert. No.
M.3.
A545
RCON
Memorandum items 4.a and 4.b are to be completed by all banks participating 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 (including balances
swept from noninterest-bearing transaction accounts to noninterest-bearing savings accounts) . G167
Number
b. Number of noninterest-bearing transaction accounts of more
Bil
Mil
Thou
than $250,000 .......................................................................................... G168
1
2
3
The dollar amounts used as the basis for reporting in Memorandum items 1.a through 1.d reflect the deposit insurance limits in effect on the
report date without taking into account the temporary increase in deposit insurance in effect through December 31, 2009.
The $1 billion asset size test is generally based on the total assets reported on the June 30, 2008, Report of Condition.
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.
M.4.a.
M.4.b.
FFIEC 031
Page RC-32
44
Schedule RC-P—1–4 Family Residential Mortgage
Banking Activities in Domestic Offices
Schedule RC-P is to be completed by (1) all banks with $1 billion or more in total assets1 and (2) banks with less than $1 billion
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 in domestic offices exceed $10 million 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 ..................................................................
2. Wholesale originations and purchases 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 ..................................................................
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 .....................................................................................................................
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 ..................................................................
5. Noninterest income for the quarter from the sale, securitization, and servicing of 1–4 family
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 .....................................................................................................................
b. Closed-end junior liens ..................................................................................................................
c. Open-end loans extended under line of credit:
(1) Total commitment under the lines of credit .............................................................................
(2) Principal amount funded under the lines of credit ...................................................................
1
2
RCON
Bil
Mil
Thou
F066
F067
1.a.
1.b.
F670
F671
1.c.(1)
1.c.(2)
F068
F069
2.a.
2.b.
F672
F673
2.c.(1)
2.c.(2)
F070
F071
3.a.
3.b.
F674
F675
3.c.(1)
3.c.(2)
F072
F073
4.a.
4.b.
F676
F677
4.c.(1)
4.c.(2)
RIAD
F184
F560
5.a.
5.b.
RCON
F678
F679
6.a.
6.b.
F680
F681
6.c.(1)
6.c.(2)
The $1 billion asset size test is generally based on the total assets reported on the June 30, 2008, Report of Condition.
Exclude originations and purchases of 1–4 family residential mortgage loans that are held for investment.
FFIEC 031
Page RC-33
45
Schedule RC-Q—Assets and Liabilities Measured at Fair Value on a Recurring Basis
Schedule RC-Q is to be completed by banks that:
(1) Had total assets of $500 million or more as of the beginning of their fiscal year; or
(2) Had total assests of less than $500 million as of the beginning of their fiscal year and either:
(a) Have elected to report financial instruments or servicing assets and liabilities at fair value under a fair value option with changes in fair value recognized in
earnings, or
(b) Are required to complete Schedule RC-D, Trading Assets and Liabilities.
(Column A)
Total Fair Value
Reported on
Schedule RC
Dollar Amounts in Thousands
ASSETS
1. Available-for-sale securities ............................
2. Federal funds sold and securities purchased
under agreements to resell ..............................
3. Loans and leases held for sale ...............................
4. Loans and leases held for investments ..........
5. Trading 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)...........
6. All other assets .................................................
7. Total assets measured at fair value on a
recurring basis (sum of items 1 through 6) ....
LIABILITIES
8. Deposits .............................................................
9. Federal funds purchased and securities sold
under agreements to repurchase.....................
10. Trading liabilities:
a. Derivative liabilities ......................................
b. Other trading liabilities ................................
11. Other borrowed money.....................................
12. Subordinated notes and debentures...............
13. All other liabilities .............................................
14. Total liabilities measured at fair value on a
recurring basis (sum of items 8 through 13) ..
RCFD
Bil
Mil
(Column B)
LESS: Amounts Netted
in the Determination
of Total Fair Value
Thou RCFD
Bil
Mil
(Column C)
Level 1 Fair Value
Measurements
Thou RCFD
Bil
Mil
(Column D)
Level 2 Fair Value
Measurements
Thou RCFD
Bil
Mil
(Column E)
Level 3 Fair Value
Measurements
Thou RCFD
Bil
Mil
Thou
1773
G474
G475
G476
G477
1.
G478
G483
G488
G479
G484
G489
G480
G485
G490
G481
G486
G491
G482
G487
G492
2.
3.
4.
3543
G497
G493
G498
G494
G499
G495
G500
G496
G501
5.a.
5.b.
F240
G391
F684
G392
F692
G395
F241
G396
F242
G804
5.b.(1)
6.
G502
G503
G504
G505
G506
7.
F252
F686
F694
F253
F254
8.
G507
G508
G509
G510
G511
9.
3547
G516
G521
G526
G805
G512
G517
G522
G527
G806
G513
G518
G523
G528
G807
G514
G519
G524
G529
G808
G515
G520
G525
G530
G809
10.a.
10.b.
11.
12.
13.
G531
G532
G533
G534
G535
14.
FFIEC 031
Page RC-34
46
Schedule RC-Q—Continued
(Column A)
Total Fair Value
Reported on
Schedule RC
Dollar Amounts in Thousands
Memoranda
1. All other assets (itemize and describe
amounts included in Schedule RC-Q, item 6,
that are greater than $25,000 and exceed
25% of item 6):
a. Mortgage servicing assets ..........................
b. Nontrading derivative assets ......................
TEXT
c. G546
TEXT
d. G551
TEXT
e. G556
TEXT
G561
f.
2. All other liabilities (itemize and describe
amounts included in Schedule RC-Q,
item 13, that are greater than $25,000 and
exceed 25% of item 13):
a. Loan commitments (not accounted for
as derivatives) ..............................................
b. Nontrading derivative liabilities ..................
TEXT
c. G571
TEXT
d. G576
TEXT
e. G581
TEXT
G586
f.
RCFD
Bil
Mil
(Column B)
LESS: Amounts Netted
in the Determination
of Total Fair Value
Thou RCFD
Bil
Mil
(Column C)
Level 1 Fair Value
Measurements
Thou RCFD
Bil
Mil
(Column D)
Level 2 Fair Value
Measurements
Thou RCFD
Bil
Mil
(Column E)
Level 3 Fair Value
Measurements
Thou RCFD
Bil
Mil
Thou
G536
G541
G546
G551
G556
G561
G537
G542
G547
G552
G557
G562
G538
G543
G548
G553
G558
G563
G539
G544
G549
G554
G559
G564
G540
G545
G550
G555
G560
G565
M.1.a.
M.1.b.
M.1.c.
M.1.d.
M.1.e.
M.1.f.
F261
G566
G571
G576
G581
G586
F689
G567
G572
G577
G582
G587
F697
G568
G573
G578
G583
G588
F262
G569
G574
G579
G584
G589
F263
G570
G575
G580
G585
G590
M.2.a.
M.2.b.
M.2.c.
M.2.d.
M.2.e.
M.2.f.
Schedule RC-R—Regulatory Capital
FFIEC 031
Page RC-35
Dollar Amounts in Thousands
Tier 1 capital
1. Total bank equity capital (from Schedule RC, item 27.a) ...................................................................
2. LESS: Net unrealized gains (losses) on available-for-sale securities1 (if a gain, report as a
positive value; if a loss, report as a negative value)...........................................................................
3. LESS: Net unrealized loss on available-for-sale EQUITY securities1 (report loss as a positive
value) .................................................................................................................................................
4. LESS: Accumulated net gains (losses) on cash flow hedges1 (if a gain, report as a positive value;
if a loss, report as a negative value) ..................................................................................................
5. LESS: Nonqualifying perpetual preferred stock .................................................................................
6. Qualifying noncontrolling (minority) interests in consolidated subsidiaries ........................................
7. a. LESS: Disallowed goodwill and other disallowed intangible assets ..............................................
b. LESS: Cumulative change in fair value of all financial liabilities 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).............................................................................................................................................
8. Subtotal (sum of items 1 and 6, less items 2, 3, 4, 5, 7.a, and 7.b) ...................................................
9. a. LESS: Disallowed servicing assets and purchased credit card relationships ................................
b. LESS: Disallowed deferred tax assets...........................................................................................
10. Other additions to (deductions from) Tier 1 capital ............................................................................
11.Tier 1 capital (sum of items 8 and 10, less items 9.a and 9.b) ............................................................
Tier 2 capital
12. Qualifying subordinated debt and redeemable preferred stock .........................................................
13. Cumulative perpetual preferred stock includible in Tier 2 capital .......................................................
14. Allowance for loan and lease losses includible in Tier 2 capital .........................................................
15. Unrealized gains on available-for-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)................................................................................
RCFD
Bil
Mil
Thou
47
3210
1.
8434
2.
A221
3.
4336
B588
B589
B590
4.
5.
6.
7.a.
F264
C227
B591
5610
B592
8274
7.b.
8.
9.a.
9.b.
10.
11.
5306
B593
5310
2221
B594
5311
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.
Total assets for leverage ratio
22. Average total assets (from Schedule RC-K, item 9) ................................................................
23. LESS: Disallowed goodwill and other disallowed intangible assets (from item 7.a above) .....
24. LESS: Disallowed servicing assets and purchased credit card relationships (from
item 9.a above) ........................................................................................................................
25. LESS: Disallowed deferred tax assets (from item 9.b above) ..................................................
26. LESS: Other deductions from assets for leverage capital purposes ........................................
27. Average total assets for leverage capital purposes (item 22 less items 23 through 26) ..........
RCFD
3
4
Mil
Thou
B591
5610
B596
A224
24.
25.
26.
27.
Capital ratios
(Column A)
(Column B is to be completed by all banks. Column A is to be completed by
RCFD
Percentage
banks with financial subsidiaries.)
.
31. Tier 1 leverage ratio2 .................................................................................... 7273
.
32. Tier 1 risk-based capital ratio3...................................................................... 7274
.
33. Total risk-based capital ratio4 ....................................................................... 7275
2
Bil
22.
23.
Adjustments for financial subsidiaries
28. a. Adjustment to Tier 1 capital reported in item 11 ............................................................................
b. Adjustment to total risk-based capital reported in item 21 .............................................................
29. Adjustment to risk-weighted assets reported in item 62.....................................................................
30. Adjustment to average total assets reported in item 27 .....................................................................
1
Tril
3368
B590
RCFD
Bil
Mil
Thou
C228
B503
B504
B505
28.a.
28.b.
29.
30.
(Column B)
RCFD
Percentage
7204
7206
7205
.
.
.
Report amount included in Schedule RC, item 26.b, “Accumulated other comprehensive income.”
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).
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).
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.
FFIEC 031
Page RC-36
Schedule RC-R—Continued
48
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 riskweight 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).
(Column A)
Totals
(from
Schedule RC)
Dollar Amounts in Thousands
Balance Sheet Asset Categories
34. Cash and balances due from depository institutions
(Column A equals the sum of Schedule RC,
items 1.a and 1.b) ....................................................
Tril
Bil
Mil
Thou
(Column B)
Items Not
Subject to
Risk-Weighting
Bil
Mil
Thou
(Column C)
(Column D)
(Column E)
(Column F)
Allocation by Risk Weight Category
0%
Bil
Mil
20%
Thou
Bil
Mil
50%
Thou
Bil
Mil
100%
Thou
Bil
Mil
Thou
RCFD 0010
RCFD C869
RCFD B600
RCFD B601
RCFD B602
RCFD 1754
RCFD B603
RCFD B604
RCFD B605
RCFD B606
RCFD B607
RCFD 1773
RCFD B608
RCFD B609
RCFD B610
RCFD B611
RCFD B612
RCFD C063
RCFD C064
34.
35. Held-to-maturity securities .......................................
36. Available-for-sale securities .....................................
37. Federal funds sold and securities purchased under
agreements to resell.................................................
35.
36.
RCFD C225
RCFD B520
37.
RCFD 5369
RCFD B617
RCFD B618
RCFD B619
RCFD B620
RCFD B621
RCFD B528
RCFD B622
RCFD B623
RCFD B624
RCFD B625
RCFD B626
RCFD 3123
RCFD 3123
RCFD 3545
RCFD B627
RCFD B628
RCFD B629
RCFD B630
RCFD B631
RCFD B639
RCFD B640
RCFD B641
RCFD B642
RCFD B643
RCFD 5339
RCFD 2170
RCFD B644
RCFD 5320
RCFD 5327
RCFD 5334
RCFD 5340
38. Loans and leases held for sale ................................
38.
39. Loans and leases, net of unearned income .............
39.
40. LESS: Allowance for loan and lease losses .............
40.
41. Trading assets ..........................................................
41.
42. All other assets1 .......................................................
42.
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.
43.
FFIEC 031
Page RC-37
Schedule RC-R—Continued
49
(Column A)
Face Value
or Notional
Amount
Dollar Amounts in Thousands
Derivatives and Off-Balance Sheet Items
44. Financial standby letters of credit.........
45. Performance standby letters of
credit ....................................................
46. Commercial and similar letters of
credit ....................................................
47. Risk participations in bankers
acceptances acquired by the
reporting institution ...............................
Bil
Mil
Credit
Conversion
Factor
Bil
Thou
RCFD B546
Mil
Thou
(Column C)
0%
2
3
(Column E)
(Column F)
Bil
Mil
20%
Thou
Bil
Mil
50%
Thou
Bil
Mil
100%
Thou
Bil
Mil
Thou
RCFD B547
RCFD B548
RCFD B581
RCFD B582
RCFD B583
RCFD 3821
RCFD B650
RCFD B651
RCFD B652
RCFD B653
RCFD B654
RCFD B655
RCFD B656
RCFD B657
RCFD B658
RCFD B659
44.
.50
RCFD 3411
45.
.20
RCFD 3429
46.
RCFD B660
RCFD B661
RCFD B662
RCFD B663
RCFD B664
RCFD B665
RCFD B666
RCFD B667
RCFD B668
RCFD B669
RCFD B670
RCFD B671
RCFD B672
RCFD B673
1.00
47.
1.00
RCFD A250
48.
1.00
RCFD B541
49.
RCFD B542
RCFD B543
12.53
RCFD B675
50.
RCFD B676
RCFD B677
RCFD B678
RCFD B679
RCFD B680
RCFD B682
RCFD B683
RCFD B684
RCFD B685
RCFD B686
1.00
RCFD B681
51.
1.00
RCFD 3833
52.
RCFD B687
RCFD B688
RCFD B689
RCFD B690
RCFD B691
.50
RCFD G591
53.a.
RCFD G592
RCFD G593
RCFD G594
RCFD G595
RCFD A167
RCFD B693
RCFD B694
RCFD B695
.10
RCFD G596
53.b.
54. Derivative contracts..............................
1
(Column D)
Allocation by Risk Weight Category
1.00 or 12.52
RCFD 3433
48. Securities lent.......................................
49. Retained recourse on small business
obligations sold with recourse ..............
50. Recourse and direct credit substitutes
(other than financial standby letters of
credit) subject to the low-level exposure
rule and residual interests subject to a
dollar-for-dollar capital requirement .....
51. All other financial assets sold with
recourse ...............................................
52. All other off-balance sheet
liabilities................................................
53. Unused commitments:
a. With an original maturity
exceeding one year ........................
b. With an original maturity of one
year or less to asset-backed
commercial paper conduits..........
(Column B)
Credit
Equivalent
Amount1
Column A multiplied by credit conversion factor.
For financial standby letters of credit to which the low-level exposure rule applies, use a credit conversion factor of 12.5 or
an institution-specific factor. For other financial standby letters of credit, use a credit conversion factor of 1.00. See instructions for further information.
Or institution-specific factor.
54.
FFIEC 031
Page RC-38
Schedule RC-R—Continued
50
(Column C)
(Column D)
(Column E)
(Column F)
Allocation by Risk Weight Category
0%
Dollar Amounts in Thousands
Totals
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) .......................................................................................................................................
Bil
Mil
20%
Thou
Bil
Mil
100%
50%
Thou
Bil
Mil
Thou
Bil
Mil
RCFD B696
RCFD B697
RCFD B698
RCFD B699
× 0%
× 20%
× 50%
× 100%
RCFD B700
RCFD B701
RCFD B702
RCFD B703
Thou
55.
56.
0
57.
RCFD 1651
58. Market risk equivalent assets ......................................................................................................
59. Risk-weighted assets before deductions for excess allowance for loan and lease losses and
allocated transfer risk reserve (sum of item 57, columns C through F, and item 58) ..................
58.
RCFD B704
59.
RCFD A222
60. LESS: Excess allowance for loan and lease losses....................................................................
60.
RCFD 3128
61. LESS: Allocated transfer risk reserve..........................................................................................
61.
RCFD A223
62. Total risk-weighted assets (item 59 minus items 60 and 61).......................................................
Memoranda
62.
Dollar Amounts in Thousands
RCFD
1. Current credit exposure across all derivative contracts covered by the risk-based capital standards .................................................................... 8764
Bil
Mil
Thou
M.1
FFIEC 031
Page RC-39
Schedule RC-R—Continued
51
Memoranda—Continued
(Column A)
One year or less
Dollar Amounts in Thousands
2. Notional principal amounts of derivative contracts:1
a. Interest rate contracts..........................................................................................
b. Foreign exchange contracts ................................................................................
c. Gold contracts .....................................................................................................
d. Other precious metals contracts..........................................................................
e. Other commodity contracts .................................................................................
f. Equity derivative contracts ..................................................................................
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 ....................................................................................
1
RCFD Tril
Bil
Mil
With a remaining maturity of
(Column B)
Over one year
through five years
Thou RCFD Tril
Bil
Mil
(Column C)
Over five years
Thou RCFD Tril
Bil
Mil
Thou
3809
3812
8771
8774
8777
A000
8766
8769
8772
8775
8778
A001
8767
8770
8773
8776
8779
A002
M.2.a.
M.2.b.
M.2.c
M.2.d.
M.2.e.
M.2.f.
G597
G600
G598
G601
G599
G602
M.2.g.(1)
M.2.g.(2)
Exclude foreign exchange contracts with an original maturity of 14 days or less and all futures contracts.
FFIEC 031
Page RC-40
Schedule RC-S—Servicing, Securitization, and Asset Sale Activities
(Column A)
1–4 Family
Residential
Loans
Dollar Amounts in Thousands
Bank Securitization Activities
1. Outstanding principal balance of
assets sold and securitized by the
reporting bank with servicing retained
or with recourse or other sellerprovided credit enhancements .............
2. Maximum amount of credit exposure
arising from recourse or other
seller-provided 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).....
b. Subordinated securities and other
residual interests .............................
c. Standby letters of credit and
other enhancements........................
3. Reporting bank’s unused commitments to provide liquidity to structures
reported in item 1 .................................
4. Past due loan amounts included in
item 1:
a. 30–89 days past due .......................
b. 90 days or more past due................
5. Charge-offs and recoveries on assets
sold and securitized with servicing
retained or with recourse or other
seller-provided credit enhancements
(calendar year-to-date):
a. Charge-offs......................................
b. Recoveries ......................................
Bil
Mil
Thou
RCFD B705
(Column B)
Home
Equity
Lines
Bil
Mil
Thou
RCFD B706
(Column C)
Credit
Card
Receivables
Bil
Mil
Thou
RCFD B707
52
(Column D)
Auto
Loans
Bil
Mil
RCFD B708
Thou
(Column E)
Other
Consumer
Loans
Bil
Mil
Thou
RCFD B709
(Column F)
Commercial
and Industrial
Loans
Bil
Mil
Thou
RCFD B710
(Column G)
All Other Loans,
All Leases, and
All Other Assets
Bil
Mil
Thou
RCFD B711
1.
RCFD B712
RCFD B713
RCFD B714
RCFD B715
RCFD B716
RCFD B717
RCFD B718
RCFD C393
RCFD C394
RCFD C395
RCFD C396
RCFD C397
RCFD C398
RCFD C399
RCFD C400
RCFD C401
RCFD C402
RCFD C403
RCFD C404
RCFD C405
RCFD C406
2.a.
2.b.
2.c.
RCFD B726
RCFD B727
RCFD B728
RCFD B729
RCFD B730
RCFD B731
RCFD B732
3.
RCFD B733
RCFD B734
RCFD B735
RCFD B736
RCFD B737
RCFD B738
RCFD B739
RCFD B740
RCFD B741
RCFD B742
RCFD B743
RCFD B744
RCFD B745
RCFD B746
4.a.
4.b.
RIAD B747
RIAD B748
RIAD B749
RIAD B750
RIAD B751
RIAD B752
RIAD B753
RIAD B754
RIAD B755
RIAD B756
RIAD B757
RIAD B758
RIAD B759
RIAD B760
5.a.
5.b.
FFIEC 031
Page RC-41
Schedule RC-S—Continued
53
(Column A)
1–4 Family
Residential
Loans
Dollar Amounts in Thousands
Bil
Mil
Thou
6. Amount of ownership (or seller’s)
interests carried as:
a. Securities (included in
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. 30–89 days past due .......................
(Column B)
Home
Equity
Lines
Bil
Mil
Thou
(Column C)
Credit
Card
Receivables
Bil
Mil
Thou
(Column D)
Auto
Loans
Bil
Mil
Thou
(Column E)
Other
Consumer
Loans
Bil
Mil
Thou
(Column F)
Commercial
and Industrial
Loans
Bil
Mil
Thou
RCFD B761
RCFD B762
RCFD B763
RCFD B500
RCFD B501
RCFD B502
(Column G)
All Other Loans,
All Leases, and
All Other Assets
Bil
Mil
Thou
6.a.
6.b.
RCFD B764
RCFD B765
RCFD B766
RCFD B767
RCFD B768
RCFD B769
7.a.
b. 90 days or more past due................
8. Charge-offs and recoveries on loan
amounts included in interests reported
in item 6.a (calendar year-to-date):
a. Charge-offs......................................
7.b.
RIAD B770
RIAD B771
RIAD B772
RIAD B773
RIAD B774
RIAD B775
8.a.
b. Recoveries ......................................
For Securitization Facilities Sponsored
By or Otherwise Established By Other
Institutions
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’
securitization structures .......................
8.b.
RCFD B776
RCFD B777
RCFD B778
RCFD B779
RCFD B780
RCFD B781
RCFD B782
9.
RCFD B783
RCFD B784
RCFD B785
RCFD B786
RCFD B787
RCFD B788
RCFD B789
10.
FFIEC 031
Page RC-42
Schedule RC-S—Continued
54
(Column A)
1–4 Family
Residential
Loans
Dollar Amounts in Thousands
Bank Asset Sales
11. Assets sold with recourse or other
seller-provided credit enhancements
and not securitized by the reporting
bank .....................................................
12. Maximum amount of credit exposure
arising from recourse or other sellerprovided credit enhancements provided to assets reported in item 11 ......
Memoranda
Bil
Mil
Thou
RCFD B790
(Column B)
Home
Equity
Lines
Bil
Mil
Thou
RCFD B791
(Column C)
Credit
Card
Receivables
Bil
Mil
Thou
RCFD B792
(Column D)
Auto
Loans
Bil
Mil
RCFD B793
(Column E)
Other
Consumer
Loans
Thou
Bil
Mil
Thou
RCFD B794
(Column F)
Commercial
and Industrial
Loans
Bil
Mil
2
Bil
RCFD B795
Mil
Thou
RCFD B796
11.
RCFD B797
RCFD B798
RCFD B799
RCFD B800
RCFD B801
RCFD B802
RCFD B803
12.
Dollar Amounts in Thousands
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 ...................................
b. Closed-end 1–4 family residential mortgages serviced with no recourse or other servicer-provided credit enhancements ..............................
c. Other financial assets (includes home equity lines)1..........................................................................................................................................
d. 1–4 family residential mortgages serviced for others that are in process of foreclosure at quarter-end (includes closed-end
and open-end loans) ..........................................................................................................................................................................................
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 affiliate, or the bank’s holding company .....................................................................................
(2) Conduits sponsored by other unrelated institutions .....................................................................................................................................
b. Unused commitments to provide liquidity to conduit structures:
(1) Conduits sponsored by the bank, a bank affiliate, or the bank’s holding company .....................................................................................
(2) Conduits sponsored by other unrelated institutions .....................................................................................................................................
4. Outstanding credit card fees and finance charges included in Schedule RC-S, item 1, column C2.............................................................................................
1
Thou
(Column G)
All Other Loans,
All Leases, and
All Other Assets
RCFD
Bil
Mil
Thou
A249
A250
M.1.a.
M.1.b.
B804
B805
A591
M.2.a.
M.2.b.
M.2.c.
F699
M.2.d.
B806
B807
M.3.a.(1)
M.3.a.(2)
B808
B809
C407
M.3.b.(1)
M.3.b.(2)
M.4.
Memorandum item 2.c is to be completed if the principal balance of other financial assets serviced for others is more than $10 million.
Memorandum item 4 is to be completed by banks that (1) together with affiliated 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.
FFIEC 031
Page RC-43
55
Schedule RC-T—Fiduciary and Related Services
RCFD
Yes
No
1. Does the institution have fiduciary powers? (If “NO,” do not complete Schedule RC-T.) ............... A345
RCFD
1.
Yes
No
2. Does the institution exercise the fiduciary powers it has been granted? ...................................... A346
3. Does the institution have any fiduciary or related activity (in the form of assets or accounts) to RCFD
report in this schedule? (If “NO,” do not complete the rest of Schedule RC-T.) ............................. B867
2.
Yes
No
3.
If the answer to item 3 is “YES,” complete the applicable items of Schedule RC-T, as follows:
Institutions with total fiduciary assets (item 9, sum of columns A and B) greater than $250 million (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 19.a quarterly,
• Items 20 through 23 annually with the December report, and
• Memorandum items 1 through 4 annually with the December report.
Institutions with total fiduciary assets (item 9, sum of columns A and B) greater than $100 million but less than or equal to
$250 million (as of the preceding December 31) that do not meet the fiduciary income test for quarterly reporting must complete:
• Items 4 through 23 annually with the December report, and
• Memorandum items 1 through 4 annually with the December report.
Institutions with total fiduciary assets (item 9, sum of columns A and B) of $100 million or less (as of the preceding December 31)
that do not meet the fiduciary income test for quarterly reporting must complete:
• Items 4 through 11 annually with the December report, and
• Memorandum items 1 through 3 annually with the December report.
(Column A)
Managed
Assets
Dollar Amounts in Thousands
FIDUCIARY AND RELATED ASSETS
4. Personal trust and agency accounts .......
5. Retirement related trust and agency
accounts:
a. Employee benefit—defined
contribution .........................................
b. Employee benefit—defined
benefit.................................................
Tril
Bil
Mil
RCFD B868
Thou Tril
(Column B)
Non-Managed
Assets
Bil
Mil
RCFD B869
(Column C)
Number of
Managed
Accounts
(Column D)
Number of
Non-Managed
Accounts
RCFD B870
RCFD B871
Thou
4.
RCFD B872
RCFD B873
RCFD B874
RCFD B875
RCFD B876
RCFD B877
RCFD B878
RCFD B879
RCFD B880
RCFD B881
RCFD B882
RCFD B883
RCFD B884
RCFD B885
RCFD C001
RCFD C002
5.a.
5.b.
c. Other retirement accounts ..................
6. Corporate trust and agency accounts .....
7. Investment management agency
accounts ..................................................
5.c.
6.
RCFD B886
7.
RCFD B890
8. Other fiduciary accounts .........................
RCFD B888
RCFD B891
RCFD B892
RCFD B893
8.
FFIEC 031
Page RC-44
56
Schedule RC-T—Continued
(Column A)
Managed
Assets
Dollar Amounts in Thousands
FIDUCIARY AND RELATED
ASSETS—Continued
9. Total fiduciary accounts
(sum of items 4 through 8) ......................
Tril
Bil
Mil
RCFD B894
(Column B)
Non-Managed
Assets
Thou Tril
Bil
Mil
RCFD B895
(Column C)
Number of
Managed
Accounts
(Column D)
Number of
Non-Managed
Accounts
RCFD B896
RCFD B897
Thou
9.
RCFD B898
10. Custody and safekeeping accounts ........
11. Fiduciary accounts held in foreign
offices (included in items 9 and 10).........
RCFD B899
10.
RCFN B900
RCFN B901
RCFN B902
RCFN B903
11.
Dollar Amounts in Thousands
FIDUCIARY AND RELATED SERVICES INCOME
12. Personal trust and agency accounts ..............................................................................................
13. Retirement related trust and agency accounts:
a. Employee benefit—defined contribution....................................................................................
b. Employee benefit—defined benefit ...........................................................................................
c. Other retirement accounts .........................................................................................................
14. Corporate trust and agency accounts ............................................................................................
15. Investment management agency accounts....................................................................................
16. Other fiduciary accounts ................................................................................................................
17. Custody and safekeeping accounts ...............................................................................................
18. Other fiduciary and related services income ..................................................................................
19. Total gross fiduciary and related services income (sum of items 12 through 18) (must equal
Schedule RI, item 5.a)....................................................................................................................
a. Fiduciary and related services income—foreign offices
(included in item 19) ........................................................................... B912
20. Less: Expenses ..............................................................................................................................
21. Less: Net losses from fiduciary and related services .....................................................................
22. Plus: Intracompany income credits for fiduciary and related services ...........................................
23. Net fiduciary and related services income .....................................................................................
Memoranda
RIAD
Bil
Mil
Thou
B904
12.
B905
B906
B907
A479
B908
A480
B909
B910
13.a.
13.b.
13.c.
14.
15.
16.
17.
18.
4070
19.
C058
A488
B911
A491
19.a.
20.
21.
22.
23.
Managed Assets
Dollar Amounts in Thousands
1. Managed assets held in personal trust and agency accounts:
a. Noninterest-bearing deposits ...................................................................................................
b. Interest-bearing deposits ..........................................................................................................
c. U.S. Treasury and U.S. Government agency obligations .........................................................
d. State, county and municipal obligations ...................................................................................
e. Money market mutual funds .....................................................................................................
f. Other short-term obligations .....................................................................................................
g. Other notes and bonds .............................................................................................................
h. Common and preferred stocks .................................................................................................
i. Real estate mortgages .............................................................................................................
j. Real estate ...............................................................................................................................
k. Miscellaneous assets ...............................................................................................................
l. Total managed assets held in personal trust and agency accounts (sum of Memorandum
items 1.a through 1.k) (must equal Schedule RC-T, item 4, column A) ....................................
RCFD
Bil
Mil
Thou
B913
B914
B915
B916
B917
B918
B919
B920
B921
B922
B923
M.1.a.
M.1.b.
M.1.c.
M.1.d.
M.1.e.
M.1.f.
M.1.g.
M.1.h.
M.1.i.
M.1.j.
M.1.k.
B868
M.1.l.
FFIEC 031
Page RC-45
57
Schedule RC-T—Continued
(Column A)
Number of
Issues
Memoranda—Continued
Dollar Amounts in Thousands
RCFD
(Column B)
Principal Amount
Outstanding
Tril
4. Fiduciary settlements, surcharges, and other losses:
a. Personal trust and agency accounts ........................................
b. Retirement related trust and agency accounts .........................
c. Investment management 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) ..........................................................
RIAD
Mil
(Column B)
Market Value of
Fund Assets
RCFD
RCFD
B931
B933
B935
B937
B939
B941
B943
B932
B934
B936
B938
B940
B942
B944
M.3.a.
M.3.b.
M.3.c.
M.3.d.
M.3.e.
M.3.f.
M.3.g.
B945
B946
M.3.h.
(Column A)
Gross Losses
Managed
Accounts
Dollar Amounts in Thousands
Thou
(Column B)
Gross Losses
Non-Managed
Accounts
RIAD
Mil
Thou
Bil
Mil
Thou
(Column C)
Recoveries
RIAD
Mil
Thou
B947
B950
B953
B956
B948
B951
B954
B957
B949
B952
B955
B958
M.4.a.
M.4.b.
M.4.c.
M.4.d.
B959
B960
B961
M.4.e.
Person to whom questions about Schedule RC-T—Fiduciary and Related Services should be directed:
Name and Title (TEXT B962)
E-mail Address (TEXT B926)
Telephone: Area code/phone number/extension (TEXT B963)
Thou
M.2.a.
M.2.b.
(Column A)
Number of
Funds
3. Collective investment funds and common trust funds:
a. Domestic equity ...........................................................................................
b. International/Global equity...........................................................................
c. Stock/Bond blend ........................................................................................
d. Taxable bond ...............................................................................................
e. Municipal bond ............................................................................................
f. Short term investments/Money market........................................................
g. Specialty/Other ............................................................................................
h. Total collective investment funds (sum of Memorandum items 3.a
through 3.g) .................................................................................................
Mil
RCFD B928
2. Corporate trust and agency accounts:
a. Corporate and municipal trusteeships .............................................................. B927
b. Transfer agent, registrar, paying agent, and other corporate agency .............. B929
Dollar Amounts in Thousands
Bil
FAX: Area code/phone number (TEXT B964)
FFIEC 031
Page RC-46
58
Optional Narrative Statement Concerning the Amounts
Reported in the Reports of Condition and Income
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
available to the public, along with the publicly available data in
the Reports of Condition and Income, in response to any request
for individual bank report data. BANKS CHOOSING TO SUBMIT
THE NARRATIVE STATEMENT SHOULD ENSURE THAT THE
STATEMENT DOES NOT CONTAIN THE NAMES OR OTHER
IDENTIFICATIONS OF INDIVIDUAL BANK CUSTOMERS OR
ANY OTHER INFORMATION THAT THEY ARE NOT WILLING
TO HAVE MADE PUBLIC OR THAT WOULD COMPROMISE THE
PRIVACY OF THEIR CUSTOMERS. Banks choosing not to make
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.”
The optional statement must be entered on this sheet. The statement should not exceed 100 words. Further, regardless of the
number of words, the statement must not exceed 750 characters,
including punctuation, indentation, and standard spacing between
words and sentences. If any submission should exceed 750 characters, as defined, it will be truncated at 750 characters with no notice
to the submitting bank and the truncated statement will appear as
the bank’s statement both on agency computerized records and in
computer-file releases to the public.
All information furnished by the bank in the narrative statement
must be accurate and not misleading. Appropriate efforts shall be
taken by the submitting bank to ensure the statement’s accuracy.
The statement must be signed, in the space provided below, by a
senior officer of the bank who thereby attests to its accuracy.
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 will 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.
The optional narrative statement will appear in agency records
and in release to the public exactly as submitted (or amended
as described in the preceding paragraph) by the management of
the bank (except for the truncation of statements exceeding the
750-character limit described above). THE STATEMENT WILL NOT
BE EDITED OR SCREENED IN ANY WAY BY THE SUPERVISORY AGENCIES FOR ACCURACY OR RELEVANCE. DISCLOSURE OF THE STATEMENT SHALL NOT SIGNIFY THAT ANY
FEDERAL 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 SUBMITTED BY THE MANAGEMENT OF THE REPORTING BANK.
RCON
Comments? ................................................................................................................................................................. 6979
BANK MANAGEMENT STATEMENT
(TEXT 6980)
(please type or print clearly):
Yes
No
| File Type | application/pdf |
| File Modified | 2009-06-26 |
| File Created | 2009-05-13 |