Form FFIEC 031 FFIEC 031 Consolidated Reports of Condition and Income for a Bank

Board of Governors of the Federal Reserve System
OMB Number: 7100-0036
Federal Deposit Insurance Corporation

OMB Number: 3064-0052

Offce of the Comptroller of the Currency
OMB Number: 1557-0081

Federal Financial Institutions Examination Council

Expires September 30,2013

~

~

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 Deee",hef 31, 2919 (20101231) (¿ u ii 0 3 ~i)
11 () n: h 31) Lci II (RCON 999)
This report is required by law: 12 U.S.C. §324 (State member banks); This report form is to be fied by banks with branches and consolidated

12 U.S.C. §1817 (State nonmember banks); and 12 U.S.C. §161 subsidiaries in U.S. territories and possessions, Edge or Agreement

(National banks). 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 Offcer (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.
the named bank, attest that
the Reports of Condition and Income (including the supporting sched-

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.

Director (Trustee)

I, the undersigned CFO (or equivalent) of

ules) for this report date have been prepared in conformance with

Director (Trustee)

the instructions issued by the appropriate Federal regulatory authority
and are true and correct to the best of my knowledge and belief.

Director (Trustee)

Signature of Chief Financial Offcer (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 softare 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.ffec.gov/cdr/), or

(b) Completing its Call Report in paper form and arranging with a
software vendor or another part to convert the data into the electronic format that can be processed by the CDR The softare

completed signature page (or a photocopy or a computer-

generated version of this page) to the hard-copy record of the data fie
submitted to the CDR that your bank must place in its files.

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.

vendor or other party then must electronically submit the bank's

data file to the CDR
For technical assistance with submissions to the CDR, please contact
the CDR Help Desk by telephone at (888) CDR-3111, by fax at (703)

774-3946, or bye-mail at CDRHelp(gffec.gov.
To fulfil the signature and attestation requirement for the Reports
of Condition and Income for this report date, attch your bank's

legl Title of Bank (RSSO 9017)

City (RSSO 9130)

State Abbrev. (RSSO 9200)

FDIC Certificate Number

zip Code (RSSO 9220)

i i I I
(RSS0900)

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

FFIEC 031

Page i

o

Consolidated Reports of Condition and Income for
A Bank With Domestic and Foreign Offces
Table of Contents

Signature Page

Cover

Contact Information ............. ...................................... ii, iii

Report of Income
Schedule RI-Income Statement .....................RI-1, 2. 3. 4
Schedule RI-A-Changes in Bank Equity Capital ........RI-5
Schedule RI-B-Charge-offs and Recoveries on

Loans and Leases and Changes in Allowance
for Loan and Lease Losses..............................RI-5, 6. 7

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 ..........".".............."..."........... RC-13, 14
Schedule RC-D- Trading Assets and Liabilities
(to be completed only by selected banks) RC-15, 16. 17

Schedule RC-E-Deposit Liabilities ................... RC-18, 19

Schedule RC-F-Other Assets................."........."... RC-20

Schedule RI-D-Income from Foreign Offices .............RI-7

Schedule RC-G-Other Liabilities .........".".............. RC-20

Schedule RI-E-Explanations ..................................RI-8. 9

Schedule RC-H-Selected Balance Sheet Items
for Domestic Offces ..........."..........................".... RC-21

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-21

Schedule RC-K-Quarterly Averages ..".................. RC-22

Schedule RC-L-Derivatives and
Off-Balance Sheet Items .."................ RC-23, 24. 25. 26

Schedule RC-M-Memoranda ....................."".. RC-27, 28
Schedule RC-N-Past Due and Nonaccrual

Loans. Leases, and Other Assets ............ RC-29. 30. 31

Schedule RC-O-Other Data for Deposit
Insurance and FICO Assessments........... RC-31

Disclosure of Estimated Burden

t'i.tl

The estimated average burden associated with this information collection is
1J hours per respondent and is estimated to vary from 16 to 655 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 Offce of Informa-

tion and Regulatory Affairs, Offce of Management and Budget, Washington, D.C.
20503, and to one of the following:

Schedule RC-P-1-4 Family Residential
Mortgage Banking Activities in Domestic

Offces (to be completed only by selected
banks) .....................".,.........,......"....,."............... RC-34

Schedule RC-Q-Assets and Liabilities Measured
at Fair Value on a Recurring Basis (to be
completed only by selected banks)... ......"..... RC-35. 36

Schedule RC-R-Regulatory Capital........" RC-37. 38. 39,

40.41.42

Secretary
Board of Governors of the Federal Reserve System

Washington, D.C. 20551
Legislative and Regulatory Analysis Division

Offce of the Comptroller of the Currency
Washington, D.C 20219

, 32, 33

Schedule RC-S-Servicing. Securitization.
and Asset Sale Activities................ .......... RC-43. 44, 45

Schedule RC-T-Fiduciary and Related
Services ............"............................... RC-46, 47. 48, 49

Assistant Executive Secretary
Federal Deposit Insurance Corporation

Washington, D.C. 20429

~ec~~~~~~s :,~~~~~~ ,~~~. ~.~.~.~.~~......".... ....... RC-50
(Optionai Narrative Statement Concerning

5ch.~..l(Al€ ~C-V - Va.r.'i:I:/c Il'fe.-ccf. El'+i~(..:

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

Pageii

o

Contact Information for the Reports of Condition and Income

To faciltate communication between the Agencies and the bank concerning the Report of Condition and Income, please provide contact information for
(1) the Chief Financial Offcer (or equivalent) of the bank signing the report for this quarter and (2) the person at the bank-other than the Chief Finan-

cial Ofcer (or equivalent) - to whom questions about the reports should be directed, If the Chief Financial Offcer (or equivalent) is the primary contact
for questions about the reports. please provide contact information for another person at the bank who wil serve as a secondary contact for communications between the Agencies and the bank concerning the Report of Condition and Income. Enter "none" for the contact's e-mail address or fax number
if not available. Contact information for the Report of Condition and Income is for the confidential use of the Agencies and will not be released to the
public.

Chief Financial Offcer (or Equivalent) Signing the Reports Other Person to Whom Questions about the Reports
Should be Directed
Name (TXT C490)

Name (TEXT C495)

Title (TEXT C491)

Title (TXT 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 offcial of the bank who has decision-making authority, Also provide information for a secondary contact if available,
Enter "none" for the contact's e-mail address or fax number if not available. Emergency contact information is for the confidential use of the Agencies
and wil not be released to the public.

Primary Contact Secondary Contact
Name (TXT C366)

Name (TEXTC371)

Title (TEXT C367)

Title (TXT C372)

E-mail Address (TXT C368)

E-mail Address (TEXT C373)

Telephone: Area code/phone number/extension (TEXTC369)

Telephone: Area code/phone number/extension (TEXTC374)

FAX: Area code/phone number (TEXTC370)

FAX: Area code/phone number (TEXT C375)

FFIEC 031
Page

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

iii

o

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 offcers or the Financial Crimes Enforcement Network (FinCEN) for additional information
related to specific Section 314(a) search requests or other anti-terrorist financing and anti-money laundering matters. Communications sent by FinCEN
to the bank for purposes other than Section 314(a) notifications wil state the intended purpose and should be directed to the appropriate bank personnel for review, Any disdosure of customer records to law enforcement offcers 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
if not available.
This
contact information is for the confidential use of the Agencies, FinCEN, and law enforcement

"none" for the contacts e-mail address

offcers and wil not be released to the public,

Primary Contact

Secondary Contact

Name (TEXT C437)

Name (TEXT C442)

Tille (TEXT C438)

Title (TEXT C443)

E-mail Address (TEXT C439)

E-mail Address (TEXT C444)

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

Telephone: Area coe/phone number/extension (TEXTC45)

Third Contact

Fourth Contact

Name (TEXT C870)

Name (TEXT C87S)

Tille (TXT C871)

Title (TE C878)

E-mail Address (TEXT C872)

E-mail Address (TEXT C877)

Telephone: Area coe/phone number/extension (TXT C873)

Telephone: Area coe/phone number/extension (TXT C878)

FFIEC 031

Page RI-1

Consolidated Report of Income
for the period January 1, 2010 December 31, 2010 2011- f'~,.c. 31, 201 I

o

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

Schedule RI-Income Statement
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...............................,."...............,..................................,..............,...,.......

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

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

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

plans other than credit cards).................................................................................... 8486
(e) Loans to foreign governments and official institutions...................................................... 4056

(f) All other loans in domestic offces.............. .............. ......................... ............... ................ B487
(2) In foreign offices, Edge and Agreement subsidiaries, and IBFs ............................................. 4059
(3) Total interest and fee income on loans (sum of items 1.a.(1 )(a) through 1.a.(2)) ................... 4010

b. Income from lease financing receivables ...................................................................................... 4065
c. Interest income on balances due from depository institutions1 ..................................................... 4115
d, Interest and dividend income on securities:

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

1.a.(1 )(f)

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

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

mortgage-backed securities).,............".".,.,.".,........................,.........,...... ..............,........,...,..
(2) Mortgage-backed securities............,..............,.,..,...............,....................................,..............

1.d,(1)
1.d.(2)

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

U.S,)............,...,.......,......,....,..,....................,.,.,.............,.................,........................,......,....... 4060
e. Interest income from trading assets .............................................................................................. 4069

f. Interest income on federal funds sold and securities purchased under agreements to resell ...... 4020
g. Other interest income........,...,...,..........,..".,.,.".....".......................,........................,.,................... 4518
h. Total interest income (sum of items 1.a.(3) through 1.g)............................................................... 4107
2. Interest expense:

1.d.(3)
1.e.

1..
1.g.
1.h.

a. Interest on deposits:

(1) Interest on deposits in domestic offices:
(a) Transaction accounts (NOW accounts, ATS accounts, and telephone and
preauthorized transfer accounts).....................................,.,.,............,.........,.....................

2.a.(1 )(a)

(b) Nontransaction accounts:

(1) Savings deposits (includes MMDAs).......................................................................... 0093
(2) Time deposits of $100,000 or more ........................................................................... A517
(3) Time deposits of less than $100,000 ......................................................................... A518

(2) Interest on deposits in foreign offces, Edge and Agreement subsidiaries, and IBFs ............. 4172
b. Expense of federal funds purchased and securities sold under agreements to repurchase......... 4180
c. Interest on trading liabilties and other borrowed money............................................................... 4185

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

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

o

Schedule RI-Continued
Dollar Amounts in Thousands

2. Interest expense (continued):
d, Interest on subordinated notes and debentures...................................... 4200
e, Total interest expense (sum of items 2.a through 2.d) ............................\~?73

"...."..................."....

3,

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

4.

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

5. Noninterest income:

a. Income from fiduciary activities1............................."..............................
b. Service charges on deposit accounts in domestic offices ......................
c. Trading revenue2..............................................".,.....,.,.,...............,.....,..
d, (1) Fees and commissions from securities

(2) Investment banking, advisory, and underwriting fees and
commissions ........................,.....".,.,..........................................,..,.. ca88
(3) Fees and commissions from annuity sales ....................................... ca87
(4) Underwriting income from insurance and reinsurance
activities...,..,.. ....................,...... ...,.,.,....,.,..,.,.......,...... ....... .............. C386

5.a.
5.b.
5.c.
5,d.(1 )

5.d.(2)
5.d.(3)

e. Venture capital revenue.......,.........,..................,."......,....,.....,..,.......,..... B491

5.d.(4)
5,d.(5)
5.e.

f. Net servicing fees..............................................."......,..............,..,...,..... B492

5.f.

g. Net securitization income .........."...................."...".."............................. B493

5.g,

(5) Income from other insurance activities....."..............................""..... C387

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

i. Other noninterest income*.........................................."............."........... B497
m. Total noninterest income (sum of items 5.a through 5.1).........................

5.m,

6,a.

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 benefis ......."....................................................
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

6.b,

7.a.
7.b.
7.c.(1 )

intangible assets ........."...,..,......,..,..,.....................,.......,......,.,..,..... C232
d. Other non

interest 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

7.e.
8.
9.

(item 8 minus item 9).,....................,......,......",...,...,.,....,..............."....,..,....

10.

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

11.

12. Net income (loss) attributable to bank and noncontrollng (minority)
interests (sum of items 10 and 11)........................."...................................
13. LESS: Net income (loss) attributable to noncontrollng (minority)
interests (if net income, report as a positive value; if net loss,
report as a negative value)........,......."...,,,.,.,'''',,..,,..................,,,...............

14, Net income (loss) attributable to bank (item 12 minus item 13)".....".........
* Describe on Schedule RI-E-Explanations

12.

13.
14.

1 For banks required to complete Schedule RC- T, items 14 through 22, income from fiduciary activities reported in Schedule RI, item 5.a, must equal the

amount reported in Schedule RC-T, item 22,
2 For banks required to complete Schedule RI, Memorandum item a, trading revenue reported in Schedule RI, item 5.c, must equal the
sum of Memorandum items 8.a through a.e.

FFIEC 031

Page RI.3

LJ

Schedule RI-Continued
Memoranda

Dollar Amounts in Thousands

1. Interest expense incurred to carry tax-exempt securities, loans, and leases acquired
after August 7, 1986, that is not deductible for federal income tax purposes ...."..............................
Memorandum item 2 is to be completed by banks with $1 bilion or more in total assets.

M.1.

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) ....,.......,',..,',.............,.".....,...................".......................,.....................,...."...............

M.2.
M.3.

MA.
M.5.

6. Not applicable

7, If the reporting bank has restated its balance sheet as a result of applying push down
accounting this calendar year, report the date of the bank's acquisition2 "...............................

&
i~\.u
'~
;t

i
al

. ;:

~

M.7.

revenue (from cash instruments and derivative instruments) (sum of Memorandum
items 8.a thro ust equal Schedule RI, item 5.c) (To be completed by banks that

reported average trading ass dule RC-K, item 7) of $2 milion or more for any
quarter of the preceding calendar year.):
a, Interest rate exposures...................................................

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

c. Equity security and inde res..........................................."...."......................................
d, Commo ' er exposures ..........,..,..,................,..,"",.,....,.,...............,"',...............".,..."...
edit ex osures ."..".,....,",..,",..,..........,',..,',.."................,'"",..".......".........,....,.,....."......."."...
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)..................................................."...............".............
11, Does the reporting bank have a Subchapter S election in effect for federal income tax purposes

for the current tax year? ""',.........................,",.,................".".,",....................,..,',................,",........

M.11.

Memorandum item 12 is to be completed by banks that are required to complete Schedule

RC-C, part i, Memorandum items B.b and B.c.
12. Noncash income from negative amortization on closed-end loans secured by 1-4 family

residential properties (included in Schedule RI, item 1.a.(1 )(a)(1 ))........"..........................................

~cire. 2.0101

1 The ~ asset size tes ie generally based on the total assets reported in the June 3D, ~Report of Condition.
2 For example, a bank acquire on March 1, ~would report 2919939:1. ~eillCJ3o I.

tal l)

M,12.

INSERT B - FFIEC 031 - SCHEDULE RI, MEMORANDUM ITEM 8

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):
Memorandum items 8.a through 8.e are to be completed by banks
that reported average trading assets (Schedule RC-K, item 7) of

$2 millon or more for any quarter of the preceding calendar year. RIAD
a. Interest rate exposures .. .................... ............ ............ ...... ........... ...... 8757
b. Foreign exchange exposures .... ..... ................................ .................. 8758

c. Equity security and index exposures .... .......... ................ .......... ........ 8759
d. Commodity and other exposures ..................................................... 8760
e. Credit exposures ....................................,..................,......,.........,..... F186
Memorandum items 8.f and 8.g are to be completed by banks with
1
$100 billon or more in total assets.

f. Impact on trading revenue of changes in the creditworthiness of

the bank's derivatives counterparties on the bank's derivative
assets (included in Memorandum items 8.a through 8.e above) .....
g. Impact on trading revenue of changes in the creditworthiness of

the bank on the bank's derivative liabilities (included in

Memorandum items 8.a through 8.e above) ....................................

Year-to-date
Bil Mil Thou

FFIEC 031

Page RI-4

o

Schedule RI-Continued
Memoranda

Dollar Amounts in Thousands

Memorandum item 13 is to be completed by banks that have elected to account for assets
and liabilites 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 ...,..,...................,.,.............,.......,..........,......,....,.."......."..................

M.13,a.

(1) Estimated net gains (losses) on loans attributable to changes in instrument-specific
credit risk,.,..........,...........,."..........................."................,......................,',..,',.,.,.........,..........
b. Net gains (losses) on liabilities..,.,.....,........,............................,...,....,.,.......,',..,.".....".,.,...,..,........

M.13.a.(1)
M.13.b.

(1) Estimated net gains (losses) on liabilities attributable to changes in instrumentspecific credit risk...,...,..................,.,..........,.,.......,..................,......."."....,.,...,...................,...,

M.13.b,(1)

14. Other-than-temporary impairment losses on held-to-maturity and available-for-sale

debt securities:
a. Total other-than-temporary impairment losses..,.,.,..................,..........,.............,.....".."..........
b. Portion of losses recognized in other comprehensive income (before income taxes)........
c. Net impairment losses recognized in earnings (included in Schedule RI, items 6.a

M.14.a.
M,14.b.

and 6.b) (Memorandum item 14.a minus Memorandum item 14.b) ........................................

M.14.c.

FFIEC 031

Page RI-5

o

Schedule RI-A-Changes in Bank Equity Capital
Indicate decreases and losses in parentheses

101 0 i "Dollar Amounts in Thousands

1. Total bank equity capital most recently reported for the December 31 ~2e Reports of Condition

RIAD

Bil

d'i .,,,i..

and Income (i.e., after adjustments from amended Reports of Income)............................................ 3217
~Nii
2. Cumulative effect of changes in accounting principles and corrections of material

"d/

Thou

Mil

j'

.~....&':i

1.

,.,./.

;.i,,::.

accounting errors. ,..,.........,.....,.....,..........,....,. ......,...,...,.,... ........,.....................................,...".,...,..... B507
3. Balance end of previous calendar year as restated (sum of items 1 and 2) ...................................... B508
4. Net income (loss) attributable to bank (must equal Schedule RI, item 14) ........................................ 4340
5. Sale, conversion, acquisition, or retirement of capital stock, net (excluding treasury stock
transactions)...,................,.,.,.".., ..........,.,."....,........,.,.......,........,.........,..........,.,.,...............,.........,..., 8509
6. Treasury stock transactions, net ....,..,............,...........,...,...,.........,....,."......,.................................,.... 8510
7. Changes incident to business combinations, net............. ..................... ............................................ 4356
8. LESS: Cash dividends declared on preferred stock............ ............... ................................................ 4470
9. LESS: Cash dividends declared on common stock....................... ......................... .......... ................. 4460

.¡:¡

~~

2.
3.
4,
5,

6.
7.
8.
9.
10.

10. Other comprehensive income1 ............,.,............."...,...,.,..........,......".,......,...,.,."..,............,...,.......... B511
11. Other transactions with parent holding company. (not included in items 5, 6, 8, or 9 above) ........... 4415
12. Total bank equity capital end of current period (sum of items 3 through 11) (must equal

'iH:,;

Schedule RC, item 27.a).,.,..........................,............,.....,.,...................................,.,...,............"..,..,., 3210

II

11.

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

(Column B)

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

offces:
(1) 1-4 family residential construction loans .......................................... C891
(2) Other construction loans and all land development and other .........

1.a.(1 )

1.a,(2)

land loans....,...,..........,.......,..,.....,...,.,...............,..,.....,...........,.,..."... C893
b. Secured by farmland in domestic offices ................................................. 3584
c. Secured by 1-4 family residential properties in domestic offices:

1.b.

(1) Revolving, open-end loans secured by 1-4 family residential
properties and extended under lines of credit... .......... .....................
(2) Closed-end loans secured by 1-4 family residential properties:
(a) Secured by first liens ...... ............................................................ C234
(b) Secured by junior liens .......,....................................................... C235
d. Secured by multifamily (5 or more) residential properties in domestic

1 ,c.(1)

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

offces ..............,.............,...,.....,..,..,.,...,.,................,.....,.........................
e. Secured by nonfarm nonresidential properties in domestic offces:
(1) Loans secured by owner-occupied nonfarm nonresidential
properties,...., ,....,....,....,.,.,."..,..,..,..."..,................,....,..........,...,...,... C895
(2) Loans secured by other nonfarm nonresidential properties.............. C897

f. In foreign offices ...................................................................................... B512

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

1.d.

C896
C898
8513

1.e.(1 )

1.e.(2)
1.f,

FFIEC 031

PageRI-6

~

Schedule RI-B-Continued
Part i. Continued
Dollar Amounts in Thousands

2. Loans to depository institutions and acceptances of other banks:
a, To U.S. banks and other U.S. depository institutions........................"..... 4653
b. To foreign banks ...........".............."................................"..............."..,... 4654
3. Loans to finance agricultural production and other loans to farmers ..."",,.. 4655

loans:
a. To U,S. addressees (domicile)....."................................"..............""...... 4645
b, To non-U.S, addressees (domicile).........."....................."................"..... 4646

4. Commercial and industrial

4.a.
4,b.

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

expenditures:

. ~JJlttu. v/:f1 INrEIl-r~

a. Credit cards ........ .........r:...................................~..............................
ii student loans, and

i car s ....."".""........."...............
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

F185
C880
b, All other leases .......................""............"".............".............................
4635

expenditures..............,............,..,..................,.,.... .........,.,.........,.,"",......

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

F187
F188
4605

8.a.
8.b.
9,

Memoranda
Dollar Amounts in Thousands

1. Loans to finance commercial real estate, construction, and land
development activities (not secured by real estate) included in
Schedule RI-B, part I, items 4 and 7, above ..............................................,
2. Loans secured by real estate to non-U.S. addressees (domicile)

M.1.

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

M.2.

3. Not applicable

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

have outstanding credit card receivables (as defined in the instructions) that exceed $500 milion as of
the report date or (2) are credit card specialty banks as defined for Uniform Bank Petiormance
Report purposes.
4. Uncollectible retail credit card fees and finance charges reversed against income
(Le., not included in charge-offs against the allowance for loan and lease losses) .."......................

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

Calendar \ ear-to-date
RIAD I Bil Mil I Thou

C3881 I

MA.

INSERT C - FFIEC 031 - SCHEDULE RI-B, PART I, ITEM 5

b. Automobile loans......... ................... ..................... xx
c. Other consumer loans (includes single
payment, installment, all student loans, and

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

FFIEC031

Schedule RI-B-Continued

PageRI-7

(!

Part II. Changes in Allowance for Loan and Lease Losses
2.0 Dollar Amounts in Thousands
1,

Balance most recently reported for the December 31, ~Reports of Condition

Bit Mil I Thou

iii~¡

sr0xF*""

and Income (i.e" after adjustments from amended Reports of Income)............................................ B522
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 ", item 4).......,.......................,.,"',."..............",."...,,..,"",.........,."......,.....,.....................,....,...,"

1.

2.

:,/,'.

ii:¡
C079

4, LESS: Write-downs arising from transfers of loans to a held-for-sale account............................,," 5523
5. Provision for loan and lease losses (must equal Schedule RI, item 4) ......................................."..... 4230
6. Adjustments' (see instructions for this schedule) ............""................"........................................,," C233

~

7, Balance end of current period (sum of items 1, 2, 5, and 6, less items 3 and 4)
3123
(must equal Schedule RC, item 4.c) ............................"....................................................."",,.........

3.
4.
5.
6.
7.

. Describe on Schedule RI-E-Explanations.

Memoranda
Dollar Amounts in Thousands
M.1.

1. Allocated transfer risk reserve included in Schedule RI-B, part II, item 7, above ..............................
Memorandum items 2 and 3 are to be completed by banks that (1) together with affliated institutions.
have outstanding credit card receivables (as defined in the instructions) that exceed $500 million
as of the report date or (2) are credit card specialty banks as defined for Uniform Bank Performance
Report purposes.
2. Separate valuation allowance for uncollectible retail credit card fees and finance charges ........""..
3. Amount of allowance for loan and lease losses attributable to retail credit card fees and finance
charges ........................................,..........................................,..........................................."..,,,.,,,,...
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 FASB ASC 310-30 (former AICPA Statement of Position 03-3) (included in
Schedule RI-B, part II, item 7, above)..............................................".."............................................

M.2.
M.3.

MA.

Schedule RI-D-Income from Foreign Offices
For all banks with foreign ofces (including Edge or Agreement subsidiaries and IBFs) where foreign ofice
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

Bil

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 offces ................"...""....""....................................." C901
Iii'. i
4. Noninterest income in foreign offces:
a. Trading revenue .,...,........".,""'".."......"..............".,..".",."...."..."................................"....."''',,. C902
b. Investment banking, advisory, brokerage, and underwriting fees and commissions.......".""".,,.. C903
c. Net securitization income .............,..........,.".".,.,...................................,...,.........,......................... C904
d. Other noninterest income ................,........,................................................."...,",..,....,......,........... C905
5, Realized gains (losses) on held-to-maturity and available-for-sale securities in foreign offices ........ C906
6. Total noninterest expense in foreign offices ................".......................................".""""..."....,,"",,.. C907

7. Adjustments to pretax income in foreign offces for internal allocations to foreign offices to reflect

p"

Thou

1,

2.
3,
'.'

.....;f.~,'d..

4,a.
4.b.
4.c.
4.d.
5.
6.

;,

'1./1:

the effects of equity capital on overall bank funding costs..."................................................".""",,. C908
8. Applicable income taxes (on items 1 through 7) ........................"".................................................... C909
9, Extraordinary items and other adjustments, net of income taxes, in foreign offices ................"........ C910
It'r
10. Net income attributable to foreign offces before eliminations arising from consolidation (item 1
".. " C911
plus or minus items 2 through 9)..""...................................."................................................"....
........

Mil

7.
8,
9,

.......i/f::
10,

I

11. Not applicable
12. Eliminations arising from the consolidation of foreign offices with domestic offices "...."."............... c9131
13. Consolidated net income attributable to foreign offces (sum of items 10 and 12)"........"................. c9141

"',,'t'i:

12.
13.

FFIEC 031

Page RI-8

~

Schedule RI-E-Explanations
Schedule RI-E is to be completed each quarter on a calendar year-to-date basis.
Detail all adjustments in Schedule RI-A and RI-B, all extraordinary items and other adjustments in Schedule RI, and all
interest expense in Schedule RI. (See instructions for details.)

significant items of other noninterest income and other non

Year-to-date

Dollar Amounts in ThousandS_lAD Bil Mil Thou

1. Other noninterest income (from Schedule RI, item 5.1)'i'
Itemize and describe amounts greater than $25,000 that exceed 3% of Schedule RI, item 5.1: ....... '. . ...... ....
a. Income and fees from the printing and sale of checks .."........""......................"................"....". C013

1.a.

b. Earnings on/increase in value of cash surrender value of life insurance.............."...................... C014

c. Income and fees from automated teller machines (ATMs) ..".................................""..........."..... C016
d. Rent and other income from other real estate owned"..."...................................."...................... 4042

1.b,
1,c.
1,d.

e. Safe deposit box rent........,........,,,.............,.,',..,....,,,...,............,.................,.,....,....,..,.................. C015

1.e.

f, Net change in the fair values of financial instruments accounted for under a fair value option.... F229

1.

i.
~44~i
4461
j,
~~J.
4462
k. ~~:r 4463

1.g.
1.h.

g. Bank card and credit card interchange fees ..............."................................................................ F555

h, Gains on bargain purchases,..,.......,....................".....,',.,........................,...,..,.,.".,.,...".."........... J447

1.i.
1.j.
1,k,

2. Other noninterest expense (from Schedule RI, item 7.d) ~.'iç"
Itemize and describe amounts greater than $25,000 that exceed 3% of Schedule RI, item 7.d: .lllii~il?';í.if;:' .........

d. Printing, stationery, and supplies ..............................................."................................................. C018
e, Postage,.....................".....,.............................,..............,.......,.,.,..........,.,.,......................,......,.,... 8403

2.a.
2,b,
2,c.
2.d.
2.e,

f, Legal fees and expenses......,....................,.,.,....,,,.......,..................,,.,.......,..........................,...... 4141

2.f,

g. FDIC deposit insurance assessments ................"......................................."............................... 4146
h. Accounting and auditing expenses............................................................."........"...................... F556

2.g.
2.h.

IIß
~
m.
~¡~T
4467
n.
~~
.
4468
a. (1) Ii 4469
c. (1) ~¡~;r ~

2.i.
2.j.
2.k,

a. Data processing expenses ..........,...................................,."..,.,...."..,...,................,.......,.............. C017
b. Advertising and marketing expenses.......".................,..,.".,..,....."..................,..,.,.,...,.,.........,..... 0497

c. Directors' fees..............................,..............,.,.,..............,.,.,...,..,..........,......,...........,..,....,.,........... 4136

i. Consulting and advisory expenses...........",.,........,...........................,.,..........................,.........,.,. F557

j. Automated teller machine (ATM) and interchange expenses....................."................................ F558

k. Telecommunications expenses....,.,...........,.,.............".,..........."....,...,.,..,...........,.........,.,............ F559

2.1.

. 4464

3. Extraordinary items and other adjustments and applicable income tax effect (from Schedule RI, ~
item 11.mize and describe all extraordinary items and other adjustments): · .....
4486

I I I 4487'"

b. ~~~ Ælabie income tax effect.....................".."............"....................1

(2) I!cable income tax effect ...... ... ...... .... ...... ..... .... .... .... ... .... ............. 44881 i I :i i'l;' ."'
(2) Applicable income tax effect...."..................."...."..".."....................14491 I I I. ....

2.m.
2.n
.

;.
3.a.(1 )

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

3.b.(2)
3.c.(1 )

3.c.(2)

FFIEC 031

PageRI-9

~

Schedule RI-E-Continued
Dollar Amounts in Thousands

4. Cumulative effect of changes in accounting principles and corrections of material
acccounting errors (from Schedule RI-A, item 2) (itemize and describe all such effects):

a, Sttmttl.ti.e effct of the initi.i.""lieetien ef FASB ASS 819 19 (fermer FAS167) rel.ted
&8 A8WlY 88A&8lidated vaFisltle ifltef8sl efltities".............................................""................".

b L1
. B~2Z

5. Other transactions with parent holding company (from Schedule RI-A, item 11)
(itemize and describe all such transactions):

4,a.
4,b.

ti

5,a.
5.b.

a.ti

6.a.

a. ..98

..99
b . TEXT

6. Adjustments to allowance for loan and lease losses (from Schedule RI-B,
part II, item 6) (itemize and describe all adjustments):
b .TEXT
4

6.b.

7. Other explanations (the space below is provided for the bank to briefly describe, at its
option, any other significant items affecting the Report of Income):

Comments? ,.,',.................."""',........,......,..,...,"",.........,"',.,..........,...........",..............,..,............".,,
Other explanations (please type or print clearly):
(TEXT 4769)

7,

FFIEC 031
Page RC-1

~

Consolidated Report of Condition for Insured Commercial
and State-Chartered Savings Banks for December 31,2010 Marl.'" 3 ¡ i 2011
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 ,.,...,........,......,..,..............,............,.,.,.,...,...........,....."............,..

1.a.
1.b.

2. Securities:

a. Held-to-maturity securities (from Schedule RC-B, column A) ............................................. 1754
b. Available-for-sale securities (from Schedule RC-B, column D)...................."......."............ 1773

2.a.
2.b.

3. Federal funds sold and securities purchased under agreements to resell:
a. Federal funds sold in domestic offces ......................."................................... ........... RCON B987
b. Securities purchased under agreements to resell3 ....................................."",,......... RCFD 8989

3,a.
3.b.

4, Loans and lease financing receivables (from Schedule RC-C): RCFD
a. Loans and leases held for sale........"......................................".......................................... 5369
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)................ B529
5. Trading assets (from Schedule RC-D) ..................................................................................... 3545
6, Premises and fixed assets (including capitalized leases) "...................................................... 2145

7. Other real estate owned (from Schedule RC-M)..............................."..................................... 2150
8. Investments in unconsolidated subsidiaries and associated companies ..............................." 2130

9, Direct and indirect investments in real estate ventures.................."........................................ 3656

4.a.
4.b.
4.c.
4.d.
5.
6.
7.
8.
9,

10. Intangible assets:

a. Goodwil........,....,...,.....,.,.,..............,.....,.,.,...........................,.....,...,',....................,............. 3163
b. Other intangible assets (from Schedule RC-M).."......................."...................................... 0426

10.a.
10.b.

11. Other assets (from Schedule RC-F)...... ....... ............................................. ............"...... ........... 2160

11.

12. Total assets (sum of items 1 through 11) ................................................................................. 2170

12.

1 Indudes cash items in process of collection and unposted debits.
2 Includes time certificates of deposit not held for trading,
3 Includes all securities resale agreements in domestic and foreign offces, regardless of maturity.

FFIEC 031

Page RC-2

~

Schedule RC-Continued
LIABILITIES
13. Deposits:

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

13.a
13.a.(1)
13,a.(2)
13,b,
13,b,(1 )

13.b,(2)

14. Federal funds purchased and securities sold under agreements to repurchase:
a. Federal funds purchased in domestic offces2 ............................................................ RCON B993
b. Securities sold under agreements to repurchase3 ........ .......................... .... ................ RCFD B995
15. Trading liabilities (from Schedule RC-D)......................................................................... RCFD 3548

14.a.
14,b,
15.

16. Other borrowed money (includes mortgage indebtedness and obligations under RCFD
capitalized leases) (from Schedule RC-M)............................................................................... 3190
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)............................................................................

16.
19.

20.
21.

22. Not applicable

EQUITY CAPITAL
Bank Equity Capital
23. Perpetual preferred stock and related surplus.............................. ............ .............. ................. 3838

24. Common stock .....................,................,.,.,........,.....................,....,............,.,....,...,.....,...,.,...... 3230
25. Surplus (exclude all surplus related to preferred stock)........................................................... 3839
26. a. Retained earnings ....................,..................,......................,.......,............."...,.,........,......,.,. 3632
b. Accumulated other comprehensive income5 ....... ..... ......... ..... ................... .......... ................ B530
c. Other equity capital components6......................................................................................... A130
27. a. Total bank equity capital (sum of items 23 through 26.c)..................................................... 3210
b. Noncontrolling (minority) interests in consolidated subsidiaries.......................................... 3000
28. Total equity capital (sum of items 27,a and 27.b)..................................................................... G105
29, Total
liabilities and equity capital (sum of items 21 and 28) ..................................................... 3300

23.
24.
25.

26,a.
26.b.

26c.
27.a.
27,b.
28.
29.

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

auditors as of any date during~.l.a.J.r;.,...,............,.........,.......,..,...............,............,......,.,..............,.,...
1 = Independent audit of the bank conducted in accordance with
generally accepted auditing standards by a certified public
accunting firm which submits a report on the bank
2 = Independent audit of the bank's parent holding company conducted in accrdance 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

M.1.

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

generally accepted auditing standards by a certified public
accunting firm (may be required by state chartering authority)
5 = Directors' examination of the bank penorred 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

of the bank's internal control over financial reportng by a certified

8 = Other audit procedures (exduding tax preparation work)

public accunting firm

9 = No external audit work

To be reported with the March Report of Condition.
2. Bank's fiscal year-end date .,',.......,...."...,.............,............................,.,...,...,....,............,................,...,..,..,.

M.2.

1 Indudes total demand deposits and non
interest-bearing time and savings deposits.
2 Report overnight Federal Home Loan Bank advances in Schedule RC, item 16, "Other borrowed money."
3 Indudes all securities repurchase agreements in domestic and foreign offces, regardless of maturity.
4 Indudes limited-life preferred stoc and related surplus.
5 Indudes net unrealized holding gains (losses) on available-for-sale securities, accmulated net gains (losses) on cash flow hedges, cumulative foreign

currency translation adjustments. and minimum pension liability adjustments.
6 Indudes treasury stock and unearned Employee Stock Ownership Plan shares.

FFIEC 031

Page RC-3

~

Schedule RC-Ä-Cash and Balances Due From Depository Institutions
Exclude assets held for trading.

Dollar Amounts in Thousands

posted debits, and currency and

1. Cash items in process of collection, un

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) ...".........................".................."......"..... 0085
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) ................................"................... 0010

1.

1.a.
1.b.
2.

2.a.
2.b.
3.

3.a.
3,b,
4.
5,

Schedule RC-B-Securities
Exclude assets held for trading.

Held-to-maturit
(ColumnA)
Amortized Cost
Dollar Amounts in Thousands RCFD
1, U.S. Treasury securities.. 0211

1.

2. U.S. Government agency

obligations (exclude
mortgage-backed
securities):
a. Issued by U.S. Gov-

ernment agencies1 "".

2.a.

b. Issued by U.S.

Governmentsponsored agencies2"

2,b.

3. Securities issued by

states and political

subdivisions in the U.S....

1 Includes Small Business Administration "Guaranteed Loan Pool Certificates," U.S. Maritime Administration obligations, and Export-Import Bank
participation certficates.

2 Includes obligations (other than mortgage-backed securities) issued by the Farm Credit System, the Federal Home Loan Bank System, the
Federal Home Loan Mortgage Corporation, the Federal National Mortgage Asociation, the Financing Corporation, Resolution Funding
Corporation, the Student Loan Marketing Association, and the Tennessee Valley Authority.

3.

FFIEC031
RC-4

Page

~

Schedule RC-B-Continued
Held-to-maturit

(Column A) (Column B)

Amortized Cost Fair Value

Dollar Amounts in Thousands RCFD RCFD Bil
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 pass-

through securities, G308
b. Other residential

4.a.(3)

mortgage-backed
securities (include
CMOs, REMICs, and
stripped MBS):
(1) Issued or guar-

anteed by FNMA,
FHLMC, or GNMA G312

4.b.(1 )

(2) Collateralized by

MBS issued or
guaranteed by

FNMA, FHLMC,

or GNMA.............. G316
(3) All other
residential MBS.... G320

4.b.(2)

c. ial
.~o
1
'" I-

" "I

tS Ui
-'1
..,
"'""

(1) Commercia
mortgage
pass-through
securities............
(2) Other

mercial MBS,
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 .......... ..........
b. Foreign debt

securities",.",..""",... .

6.b.

INSERT D - FFIEC 031 - SCHEDULE RC-B, ITEM 4.c

c, Commercial MBS:
(1) Commercial mortgage pass-

through securities:
(a) Issued or guaranteed by

FNMA, FHLMC, or GNMA......

(b) Other pass-through securities
(2) Other commercial MBS:
(a) Issued or guaranteed by

FNMA, FHLMC, or GNMA......

(b) All other commercial MBS .....

FFIEC 031

Page RC-5

l!

Schedule RC-B-Continued
Held-to-maturit

(Column A) (Column B)

Amortized Cost Fair Value
Dollar Amounts in Thousands RCFD
7. Investments in mutual

funds and other equity
securities with readily
7.

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 0 must
equal Schedule RC,
item 2.b)..........................

8.

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

Memoranda

Dollar Amounts in Thousands
M.1.

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 .................................................................,.........................,.,...........................

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)

b. Mortgage pass-through securities backed by closed-end first lien 1-4 family residential
mortgages with a remaining maturity or next repricing date of: 3, 5

(1) Three months or less ...,................,............,.,........,............"................................................... A555
(2) Over three months through 12 months ................................................................................... A556
(3) Over one year through three years ......................................................................................... A557

A558
(5) Over five years through 15 years............................................................................................ A559
A560

(4) Over three years through five years........................................................................................

(6) Over 15 years .,.......................,....,.,.....................,................,........,.,..,..,',..,............,....,.........

M.2.b.(1)
M.2.b,(2)
M.2.b.(3)
M,2.b.(4)
M.2,b.(5)
M.2.b.(6)

c. Other mortgage-backed securities (include CMOs, REMICs, and stripped MBS; exclude
mortgage pass-through securities) with an expected average life of: 6
(1) Three years or less ..............,...........................,.......................................,..,..........,................

(2) Over three years ...,......,....,....,...,................,.,.,...........,...........,..........,..................,.................
1 Includes held-to-maturity secunties at amortized cost and available-for-sale securities at fair value.
2 Exclude investments in mutual funds and other equity securities with readily determinable fair values,
3 Report fixed rate debt secunties by remaining maturity and floating rate debt secunties by next repricing date.
4 Sum of Memorandum items 2.a.(1) through 2.a.(6) plus any nonaccal debt securities in the categones 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 secunties other than those backed by closed-end first lien 1-4 family residential
mortgages included in Schedule RC-B, item 4.a, columns A and D.
5 Sum of Memorandum items 2.b,(1) through 2.b,(6) plus any nonaccrual mortgage pass-through securities backed by closed-end first lien
1-4 family residential mortgages included in Schedule RC-N, item 9, column C, must equal Schedule RC-B, item 4.a, sum of columns A
and D, less the amount
of residential mortgage pass-through secunties other than those backed by closed-end first lien 1-4 family residential
mortgages included in Schedule RC-B, item 4.a, columns A and D.
6 Sum of Memorandum items 2.c.(1) and 2.c,(2) plus any nonaccrual "Other mortgage-backed securities" included in Schedule RC-N, item 9,
column C, must equal Schedule RC-B, sum of itern 4.b and 4.c.(2), columns A and D.

M.2.c.(1)
M.2.c.(2)

FFIEC 031

Page RC-6

~

Schedule RC-B-Continued
Memoranda-Continued
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-S, items 2, 3, 5, and 6):
a, Amortized cost....,.......,............,.,................,.....,.,........................................."...............,......,...,...
b. Fair value,.,.,...........................,..,......,........,.....,....,..........,.,....,..................,..,....,........,.....,...,........

M.2.d.
M.3.

MA.a.
MA.b.

Memorandum items 5.a
through 5,( are to be
completed by banks with

$1 bilion or more in
total assets.

1

5. Asset-backed securities
(ASS) (for each column,
sum of Memorandum
items 5.a through 5.f
must equal Schedule

RC-S, item 5,a):
a. Credit card

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

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

b. Home equity lines .......
c, Automobile loans........

d. Other consumer loans..
e, Commercial and

M.5.e.

industrial loans...... .....
f. Other ..........................

M.5.f.

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-S, sum of items
5,b.(1) through (3)):
a. Trust preferred

securities issued by

M.6.a,

financial institutions, ...
b. Trust preferred

securities issued
by real estate
investment trusts........

M.6.b.

c. Corporate and
M.6,c.

similar loans ...............
2.01 oJ

1 The $1 billon asset size test is generally based on the total assets reported on the June 30, ~ Report of Condition.

FFIEC 031

Page RC-7

§J

Schedule RC-B-Continued
Memoranda-Continued
Held-to-maturity

(Column A) (Column B)

Amortized Cost Fair Value

Dollar Amounts in Thousands RCFD RCFD Bil
6, d, 1-4 family residential

MBS issued or
guaranteed by

U,S. Governmentsponsored
M.6.d.

enterprises (GSEs).....
e. 1-4 family residential

MBS not issued or
guaranteed by GSEs. ,

M.6.e.

f. Diversified (mixed)

pools of structured
M.6.f.

financial products... ....
g. Other collateral or
reference assets.........

G374

G375

M,6.g.

FFIEC031
Page RC-8

§J

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.

1.
1 ,a.(1)

1.a.(2)
1,b,

1.c.(2)(a)
1.c.(2)(b)
1.d.

1.e.(1)
1.e.(2)

2.a.
2.a.(1 )

2.a.(2)
2.b.
2.c.
2.c,(1 )

2.c.(2)
3.

4,a,
4,b.

7.
8.

INSERT E - FFIEC 031 - SCHEDULE RC-C, PART I, ITEM 6

c. Automobile loans ................................................. xxx
d. Other consumer loans (includes single

payment, installment, and all student loans) ....... XX

FFIEC 031

Page RC-9

§J

Schedule RC-C-Continued
Part i. Continued
Dollar Amounts in Thousands

9. Loans to nondepository financial institutions and other loans ...........
a. Loans to nondepository financial institutions ..................................

9.a.

b. Other loans:
(1) Loans for purchasing or carrying securities (secured and
unsecured) ..............,..."......,....,...,.....................,.."..,"",..,...........,.,

9,b.(1 )

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

9.b.(2)

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 .........
loans and leases, net of unearned income (sum of items 1
12. Total
through 10 minus item 11) (total of column A must equal
Schedule RC, sum of items 4.a and 4.b) ....................................................

Memoranda
ji, -$

9.

Rtt\~ ..in. l~s8trCV

10.

10.a,
10,b,
11.

12.

Dollar Amounts in Thousands RCON

ses restructured and in compliance with modified terms (included in
Schedule RC-C, part , ed as past due or nonaccrual in Schedule RC-N,

Memorandum item 1):
a. Loans secured by 1-4 family residential omestic 0 ic ........

b. Other loans and u e loans to individuals for household, family, and other
a ex enditures)...,.................,.,..,...............................,..................."..............,...................
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 ,..,....,...........,""',...............,..,.."..,..................,",...,.,...........,"',........................

1 Report fixed rate loans and leases by remaining maturity and floating rate loans by next repricing date.
2 Sum of Memorandum items 2.a.(1) through 2.a.(6) plus total nonaccrual closed-end loans secured by first liens on 1-4 family residential
properties in domestic offces 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.

M,2,a.(1 )

M,2.a.(2)
M.2.a.(3)
M.2.a.(4)
M.2.a,(5)
M.2.a.(6)

INSERT F - FFIEC 031 - SCHEDULE RC-C, PART I, MEMO ITEM 1

1. loans restructured in troubled debt restructurings that are in compliance with their moified
tenms (included in Schedule RC-C, part 1, and not reported as past due or nonaccrual in
Schedule RC-N, Memorandum item 1):

a. Construction, land development, and other land loans in domestic offices:
(1) 1-4 family residential construction loans

xx

(2) Other construction loans and all land development and other land loans

XX

b. loans secured by 1-4 family residential properties in domestic offces

F576

c. Secured by multifamily (5 or more) residential properties in domestic offices

XX

d. Secure by nonfanm nonresidential properties in domestic offces:

(1) loans secured by owner-oupied nonfarm nonresidential properties
(2) loans secured by other nonfarm nonresidential properties

e. Commercial and industrial loans:
(1) To U.S. addressees (domicile)
(2) To non-U.S. addressees (domicile)

f. All other loans (Include loans to individuals for household, family, and other personal
expenditures)
Itemize loan categories included in Memorandum item 1.1, above that exced 10% of total
loans restructured in troubled debt restructurings that are in compliance with their

moified tenms (sum of Memorandum items 1.a through 1.1):
(1) loans secured by fanmland in domestic offces

(2) loans to depository instiutions and accptances of other banks

(3) loans to finance agricultural production and other loans to farmrs
(4) loans to individuals for household, family, and other persnal expenditures:
(a) Credit cards

xx

(b) Automobile loans

XX

(c) Other consumer loans (includes single payment, installment, all student loans,
and revolving credit plans other than credit cards)

xx

(5) loans to foreign govemments and offcial institutions

(6) Other loans1

XX
XX
RCFN

(7) loans secred by real estate in foreign offces
Includes "Obligations (other than seurities and leases) of states and political subdivisions
in the U.S." and "loans to nondepository financial institutions and other loans."

XX

FFIEC031
Page RC-10

§J

Schedule RC-C-Continued
Part i. Continued
Memoranda-Continued

Dollar Amounts in Thousands

2. 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: 1,2
(1) Three months or less .............................................."..................,........................................,.. A570
(2) Over three months through 12 months................. ................... ............... ..... .............. ............. A571
(3) Over one year through three years ......................................................................................... A572
(4) Over three years through five years........................................................................................ A573
....... A574
through 15
years.................................................,...................................
five
years
(5) Over

(6) Over 15 years ...........................,........................................".................,',...................."......... A575
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 A3 ............
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 affliated institutions, have
outstanding credit card receivables (as defined in the instructions) that exceed $500 mílion as of

M.2.b,(1 )

M.2.b,(2)
M.2.b.(3)
M.2.b.(4)
M.2,b.(5)
M,2.b.(6)
M.2.c.
M.3.
M.4.
M.5.

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 FASB
. ASC 310-30 (former AICPA Statement of Position 03-3) (exclude loans held for sale):
a. Outstanding balance ..,...................,......,...........,................."...,',.........,..,................,",..,..........,...

b. Carrying amount included in Schedule RC-C, part I, items 1 through 9........................................

M.6.

M,7.a.
M,7.b.

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) Z 010
and (b)).,..., ,....,..........,......,"',..........,..,.....................................................,....,...,.........,',..,... .....~..

M,8,a.

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 reporte

in Schedule RC-C, part i, Memorandum item 8.a) as of December 31, hat exceeded
loans and leases, net of unea ned income,
in domestic offces (as reported in Schedule RC-C, part i, item 12, column B).
b. Total maximum remaining amount of negative amortization contractuaiiy 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

M.8.b.

above..,.........,',.... ...........,",..,........................ ........"..,................, ............... ..... ............ .......,..........

M,8,c,

the lesser of $100 mílion or 5 percent of total

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)).................., F577
1 Report fixed rate loans and leases by remaining maturity and floating rate loans by next repricing date.
2 Sum of Memorandum items 2.b.(1) through 2.b.(6), plus total nonaccrualloans and leases from Schedule RC-N, sum of items 1 through 8,
column C, minus nonaccrual closed-end loans secured by first liens on 1-4 family residential properties in domestic offces included in
loans and leases from Schedule RC-C, part I, sum of items 1 through
Schedule RC-N, item 1.c.(2)(a), column C, must equal total
10, column A, minus total closed-end loans secured by first liens on 1-4 family residential properties in domestic offces from Schedule RC-C,
part i, item 1.c.(2)(a). column B.
3 Exclude loans secured by real estate that are included in Schedule RC-C. part i, item 1. column A.

M.9.

FFIEC031
RC-11

~

Page

Schedule RC-C-Continued
Part i. Continued
Dollar Amounts in Thousands

Memorandum items 10 and 11 are to be completed by banks that have
elected to measure loans included in Schedule RC-C, part i, items 1
through 9, at fair value under a fair value option.
10, Loans measured at fair value (included in Schedule RC-C, part I,
items 1 through 9):
a. Loans secured by real estate .................................................................. 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..........................................................
(4) Secured by multifamily (5 or more) residential properties.................
(5) Secured by nonfarm nonresidential properties .................................
loans ................................................. ............ F585
b. Commercial and industrial
c. Loans to individuals for household, family, and other personal

M,1 0.a.(3)(b )(1)

M.10.a.(3)(b)(2)
M.10.a.(4)
M,10.a.(5)
M.10.b.

expenditures (Le., consumer loans) (includes purchased paper):
(1) Credit cards................................................................r,................ F586
(2) Other revolving credit plans ....~~.~.~.!.~~T~............... F587

installment,
",

M.11 ,a.(3)(b )(1)

M.11.a.(3)(b)(2)
M.11.a,(4)
M.11.a.(5)
M.11.b.

INSERT G - FFIEC 031 - SCHEDULE RC-C, PART I, MEMORANDUM ITEM 10.c

(3) Automobile loans .......................................... XXX

(4) Other consumer loans (includes single
payment, installment, and all student loans) XX

INSERT H - FFIEC 031 - SCHEDULE RC-C, PART I, MEMORANDUM ITEM 11.c

(3) Automobile loans ......................................... XX I
(4) Other consumer loans (includes single
payment, installment, and all student loans) XXX I

I

I

XX I

I

I

I

I

XX I

I

I

FFIEC 031

Page RC-12

~

Schedule RC-C-Continued
Part I. Continued
Memoranda-Continued
(ColumnA)
Fair value of acquired
loans and leases at

acquisition date

(Column B)
Gross contractual
amounts receivable
at acquisition date

(Column C)

Best estimate at
acquisition date of
contractual cash flows

not expected to be
collected
Dollar Amounts in Thousands

12. Loans (not subject to the requirements of
FASB ASC 310-30 (former 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 ...........................

M.12,a.
M.12.b.

b. Commercial and industrial loans ...... ................
c. Loans to individuals for household, family,
and other personal expenditures......................
d. All other loans and all

M.12,c.
M.12,d.

leases............................
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 offces (as reported in Schedule RC-C, part i, item 1.a., column B)
total risk-based capital (as reported in Schedule RC-R, item 21)
that exceeded 100 percent of

as of December 31, 26. 20 I o.
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) ..................................................................................................

M.13.a.

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
M,13.b.

during the quarter (included in Schedule RI, item 1.a,(1 )(a)(2)).................................................... G377

Memorandum item 14 is to be completed by all banks. RCFD

M.14.

14. Pledged loans and leases.....,..,...............,.,................................................,',........,..,..............,......... G378

Memorandum item 15 is to be completed for the December report only.

15. Reverse mortgages in domestic offces:
a. Reverse mortgages outstanding that are held for investment (included in
Schedule RC-C, item 1.c, above):
M.15.a.(1)
M,15.a.(2)

(1) Home Equity Conversion Mortgage (HECM) reverse mortgages.....................................
(2) Proprietary reverse mortgages........,..................,.......,..................,..........,.,...,..,..,..........,...
b. Estimated number of reverse mortgage loan referrals to other lenders during the year
from whom compensation has been received for services performed in connection with

the origination of the reverse mortgages:
(1) Home Equity Conversion Mortgage (HECM) reverse mortgages.....................................
(2) Proprietary reverse mortgages........................,..........,.............,............,..,,.,............,.....,....
c, Principal amount of reverse mortgage orginations that have been sold during the year:
(1) Home Equity Conversion Mortgage (HECM) reverse mortgages..................................... J470
(2) Proprietary reverse mortgages........,....,..........,.,.................,..,....................,......,................ J471

M.15.b.(1)
M.15.b.(2)
Mil Thou

M.15.c.(1)
M.15.c.(2)

FFIEC 031

~

Page RC-13

Schedule RC-C-Continued
Part II. Loans to Small Businesses and Small Farms

Report the number and amount currently outstanding as of the report date 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
offces 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

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.") .............................................................. 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.

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

Schedule RC-C, part I, loan categories: RCON
a. "Loans secured by nonfarm nonresidential properties" in domestic offces 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,)..................... 2.a.

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

b."Commercial and industrial

loans should NOT exceed $100,000.)....................,................................,....,.,.,.....,.......,..,..,..,..... 2.b.

(ColumnA)
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):

3.a.

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 .......

3.b.
3.c.

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 ............................................. 5570
b.With original amounts of more than $100,000 through $250,000 .......... 5572
c. With original amounts of more than $250,000 through $1,000,000 ....... 5574

5571

5573
5575

4.a.
4.b.
4.c.

FFIEC 031

Page RC-14

lE

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 offces reported in Schedule RC-C, part I,

item 3, column B, have original amounts of $100,000 or less (If your bank has no loans
5.

outstanding in both of these two loan categories, place an "X" in the box marked "NO.") ... .............
If YES, complete items 6.a and 6.b below, and do not complete items 7 and 8.
If NO and your bank has loans outstanding in either loan category, skip items 6.a and 6.b and complete items 7 and 8 below.
If NO and your bank has no loans outstanding in both loan categories, do not complete items 6 through 8.

6. Report the total number of loans currently outstanding for each of the following
Schedule RC-C, part I, loan categories:
a."Loans secured by farmland (including farm residential and other improvements)" in domestic
offces reported in Schedule RC-C, part i, item 1.b, column B (Note: Item 1.b, column B,
divided by the number of loans should NOT exceed $100,000.) ..................................................
b. "Loans to 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.)..........................................................................

6,a.

6.b,

(ColumnA)

Dollar Amounts in Thousands

7. Number and amount currently outstanding of "Loans secured by
farmland (including farm residential and other improvements)" in
domestic offces 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):

7.a.

a. With original amounts of $100,000 or less............................................
b. With original amounts of more than $100,000 through $250,000.........
c. With original amounts of more than $250,000 through $500,000.........

7.b.
7.c.

8. Number and amount currently outstanding of "Loans to finance
agricultural production and other loans to farmers" in domestic offces
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.........................................,.. 5584
b. With original amounts of more than $100,000 through $250,000......... 5586
c. With original amounts of more than $250,000 through $500,000......... 5588

5585
5587
5589

8.a.
8.b.
8.c.

FFIEC031
Page RC-15

~

Schedule RC-D- Trading Assets and Liabilities
Schedule RC.D is to be completed by banks that reported average trading assets (Schedule RC-K, item 7) of $2 milion or
more in any of the four preceding calendar quarters.

(ColumnA)
Consolidated
Bank

(Column B)

Domestic

Offces

Dollar Amounts in Thousands

ASSETS

1. U.S. Treasury securities ............."..".."".."".".."...."""..""""""..""",,.....,, 3531

1.

2. U.S. Government agency obligations (exclude mortgage-backed
securities), ,.:" .........., ....,""',. ,.,.. ,.. ,.......... ,.....,.,",.... ,........ ..........,' .., .......,..,.. 3532

3. Securities issued by states and political subdivisions in the U,S, "....,,"""" 3533
4. Mortgage-backed securities (MBS):
a. Residential mortgage pass-through securities issued or

guaranteed by FNMA, FHLMC, or GNMA..."""."""""..""""..".....",,..,, G379
b, Other residential MBS issued or guaranteed by FNMA, FHLMC, or

GNMA (include CMOs, REMICs, and stripped MBS).."".r;.;".."........". G380
c. All other residential MBS .... ??&/?I.~..'tl#,.I.tJ.G!T.(f..."."",..,,.. G381

5. Other debt securities
a, Structured financial products:

(1) Cash.....,..,..,...,..,',."...........................,......................,..,',.................. G383
(2) Synthetic "...,"'''"......"...".........""....".",.."."'''',,............,....."..".".. G384
(3) Hybrid,.."..".",..,...",."". ".. "".... "...... .....""."..".... ". "..... "..".,.... """ G385
b. All other debt securities ....."..""..""""............"".."...."""...,,.."...."",,... G386
6. Loans:

a. Loans secured by real estate ....""".."""....""........."",,....,,",,........,,....
land development, and other land loans""..""..""....
(1) Construction,
(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 .....""...."""""""......".""....,,""",,...,," F614

6.a.(3)(b)(1 )

6.a.(3)(b)(2)
6.a.(4)
6.a.(5)
6.b.

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

expenditures (i.e., consumer loans) (includes purchased paper):
(1) Credit cards""""...."""".."""...".."""""""""........,,.,,..,,;'"""",,. F615

(2) Other revolving credit plans "..l?~~~~.~.!~".l.~IJ~'.!"~".."",,. F616
nt installment,

12.

INSERT I - FFIEC 031 - SCHEDULE RC-D, ITEM 4

d. Commercial MBS issued or guaranteed by

e. :~~~~::~~:a~~~~..............................~
INSERT J - FFIEC 031 - SCHEDULE RC-D, ITEM 6.c

(3) Automobile loans ..........................................
(4) Other consumer loans (includes single
payment, installment, and all student loans)

XX

I

I

I

xxx

I

I

I

I

I

XX

I

I

I

'*¡;jicl:~;,¡,'(!;d

XX

I

FFIEC 031
Page

RC-16

~

Schedule RC-D-Continued

Dollar Amounts in Thousands
LIABILITIES

13. a. liabilty for short positions "."...................."............."",,......................... 3546
b. Other trading liabilties..........."...."""........................."."..........,,............ F624
14, Derivatives with a negative fair value .."............"."..............".........."",,..... 3547

13.a.
13,b.
14.

15. Total trading liabilties (sum of items 13,a through 14) (total of column A

must equal Schedule RC, item 15) ..".."........"""........."..".............",,........ 3548

Memoranda

15,

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 "................................................................ F790

(1) Construction, land development, and other land loans.....................
(2) Secured by farmland (including farm residential and other
improvements) .....................,.,.............."............."...........................

(3) Secured by 1-- family residential properties:
(a) Revolving, open-end loans secured by 1-- family

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

(b) Closed-end loans secured by 1-- 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 .."................... ...................................... F632

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

expenditures (i.e., consumer loans) (includes purchased paper):
(1) Credit cards.."".."..........."..............................."."............ie,.....,.... F633

er installment,

(2) Other revolving credit plans. .:?,~l.~.~.~~..~~.~.~~-r..CI.......... F634

M.1.a.(3)(b )(1)

M,1.a.(3)(b)(2)
M,1.a.(4)
M.1.a.(5)
M.1.b.

INSERT K - FFIEC 031 - SCHEDULE RC-D, MEMO ITEM 1.c

(3) Automobile loans .......................................... XX
(4) Other consumer loans (includes single
payment, installment, and all student loans) XX

,'.',;;'....' "

FFIEC 031

Page RC-17

~

Schedule RC-D-Continued
Memoranda-Continued
Memorandum items 5 through 10 are to be completed by banks that reporled average trading assets

(Schedule RC-K, item 7) of $1 billon or more in any of the four preceding calendar quarlers.
Dollar Amounts in Thousands

5. Asset-backed securities:
a. Credit card receivables............,.................,.,....."..........,.,..............,.".,.,...,...............,..................,
b. Home equity lines,..........,........,.."...,.,.........,....,.,.........,.,.,.".............."...,................,.,..,.....,.........
c, Automobile loans.............,.......,........,.........,.,.,",.,.......,.....,..,.............,.,.,................,.,........,..........
d, Other consumer loans ......,.....,.,..................,.,.....,......".,.,.,...........,.,',...,............,......................,...

M.5.a,
M.5.b.
M.5,c.
M.5.d.
M.5.e.

loans ..............,..,...............,.,.......,......,....,',..,.............,........,...............
e. Commercial and industrial
f. Other ....,.....,..,..,..............................,...............,.,..,...........,.,.......,......,....,.....,.,."...........,...............

M.5.f.
M.6.

6, Retained beneficial interests in securitizations (first-loss or equity tranches) ....................................
7. Equity securities (included in Schedule RC-D, item 9, above):
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 reater than $25,000 and exceed 25% of the item):

M.7.a.
M.7.b.
M.8.

M.9.a.
M.9.b,
M.9,c,

a. ~~~¿

b. ~~
c. ~~J

10. Other trading liabilities (itemize and describe amounts included in Schedule RC-D,
itemi~~;b' that are greater than $25,000 and exceed 25% of the item):
a. ~~~
b. F659.
TEXT

C. F660,

F658
F659
F660

M.10.a.
M.10.b.
M,10.c.

FFIEC 031

Page RC-18

§J

Schedule RC-E-Deposit Liabilities
Part i. Deposits in Domestic Offices
Transaction Accounts
(Column A)
Total transaction
accounts (including

total demand
deposits)
Dollar Amounts in Thousands

Nontransaction
Accounts

(Column B)
Memo: Total

(Column C)

demand deposits
(included in

nontransaction
accounts

columnA)

(including MMDAs)

Total

RCON Bil

Deposits of:
1. Individuals, partnerships, and corporations
1,

(include all certified and official checks)................. B549
2, U.S. Government ................................................... 2202

2.
3.

3. States and political subdivisions in the U.S".......... 2203
4. Commercial banks and other depository
institutions in the U.S, ................................".......... B551

4.
5.

5. Banks in foreign countries..............."..................... 2213
6. Foreign governments and offcial institutions

6.

(including foreign central banks) ............................ 2216
7. Total (sum of items 1 through 6) (sum of
columns A and C must equal Schedule RC,

7,

item 13.a) ..".."..................."................................" 2215

Memoranda

Dollar Amounts in Thousands

1. Selected components of total deposits (Le., sum of item 7, columns A and C):
Individual Retirement Accounts (IRAs) and Keogh Plan accounts ........."............................
a. Total
b. Total brokered deposits .,.,.,...,............,.,..................,.....,............,.........."......................................
c. Fully insured brokered deposits (included in Memorandum item 1.b above):l

(1) Brokered deposits of less than $100,000...........................................................................
(2) Brokered deposits of $100,000 through $250,000 and certain brokered retirement

deposit accounts.,........,.,. ...... .........,.,."....,.....,....,.....,.,.,..............",...".. .............,..........,...,
d. Maturity data for brokered deposits:

(1) Brokered deposits of less than $100,000 with a remaining maturity of one y~or
less (included in Memorandum item 1.c. 1 above .?~~.l.~~~~..':~~.!.i:~.~~:..~...................

(2 ro er inin maturi of

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.d must

equal item 7, column C above):
a. Savings deposits:

6810
(1) Money market deposit accounts (MMDAs)................................................."..........................
0352
(2) Other savings deposits (excludes MMDAs) ..........................................."...............................
b. Total time deposits of less than $100,000 ..................................................................................... 6648
c. Total time deposits of $100,000 through $250,000................................................................... J473
J474

d. Total time deposits of more than $250,000......................................................".......................
e. Individual Retirement

Accounts (IRAs) and Keogh Plan accounts of $100,000 or more

included in Memorandum items 2.c and 2.d above ..................... .......................... ....................... F233
1 The dollar amounts used as the basis for reporting in Memorandum items 1.c.(1) and (2) reflect the deposit insurance limits in effect

on the report date.

INS~tt T 0Y

M,2.a.(1)
M.2,a.(2)
M.2.b,
M,2.c,
M.2,d.
M.2,e.

INSERT L - FFIEC 031 - SCHEDULE RC-E, MEMO ITEM 1.d

(2) Brokered deposits of $100,000 through $250,000 with a remaining
maturity of one year or less (included in Memorandum item 1.c,(2)

above) ...............................................................................,.......,.,.,.... xxx
(3) Brokered deposits of more than $250,000 with a remaining maturity
of one year or less (included in Memorandum item 1 ,b above).......... xxx

INSERT M - FFIEC 031 - SCHEDULE RC-E, MEMORANDUM ITEM 1

f.

Estimated amount of deposits obtained through the use of deposit ~
lisling services thaI are nol brokere deposits .................................... ~

FFIEC 031

Page RC-19

§J

Schedule RC-E-Continued
Part I. Continued
Memoranda-Continued
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 epo AINING MATURITY of one ear or Ie

~ii(ti'H~ wi¡- IN t;~(t í (8
1 Report fixed rate time deposits by remaining maturity and floating rate time deposits by next repricing date.
2 Sum of Memorandum items 3.a.(1) through 3,a.(4) must equal Schedule RC-E, Memorandum item 2.b.
3 Report both fixed and floating rate time deposits by remaining maturity. Exclude floating rate time deposits with a next repricing date of one year or less
that have a remaining maturity of over one year,

4 Sum of Memorandum items 4,a.(1) through 4,a.(4) must equal Schedule RC-E, sum of Memorandum items 2.c and 2.d.

Part II. Deposits in Foreign Offices (including Edge and
Agreement subsidiaries and IBFs)

Deposits of:

1. Individuals, partnerships, and corporations (include all certified and offcial checks) .."..............."...

1.

2. U.S. banks (including IBFs and foreign branches of U.S. banks) and other U.S. depository

institutions.....,.....,....,....".,.,.".... ...."...,.......,...............................,.,.,"',............., ........,. "....."..."........ B554

2625
3. Foreign banks (including U.S. branches and agencies of foreign banks, including their IBFs) ."......
2650
4. Foreign governments and official institutions (including foreign central banks) ........."..............."."..
B555
5. U.S. Government and states and political subdivisions in the U.S. ..."......................"..""................
2200

6, Total (sum of items 1 through 5) (must equal Schedule RC, item 13.b).."..."..................".."............

Memorandum

2.
3.

4.
5.
6.

Dollar Amounts in Thousands

1. Time deposits with a remaining maturity of one year or less (included in Part II, item 6 above) ..."..

M.1.

INSERT N - FFIEC 031 - SCHEDULE RC-E, MEMO ITEM 4

b. Time deposits of $100,000 through $250,000 with a REMAINING
MATURITY
of one year or less (included in Memorandum items 4.a.(1)
and 4.a.(2) above)3 ....,..........,...,....................,............................,..,..........
c. Time deposits of more than $250,000 with a REMAINING MATURITY
of one year or less (included in Memorandum items 4.a.(1) and 4.a.(2)
above)3 ......,...............,.................................................,............,...............

FFIEC 031

Page RC-20

§J

Schedule RC-F-Other Assets
Dollar Amounts in Thousands RCFD Bil

Mil Thou

1. Accrued interest receivable1 .."..,.,.............,.....,.,............,..,."....,...........,.,.................,...,...........,..."..

1.

2. Net deferred tax assets2 .,....,...,.,',.......,..,...,.,...,...,....,..........."....,.,.........,.,........,.......,.,...,..,......,.."..
3 on:
3. Interest-only strips receivable (not in the form of a security)

2.

a. Mortgage loans.,.,.... ....,.,....... ...,........,......."..... ,.....".,.........,..,. .....,.., .....,. ..... ......,.....,...,.."..,. ,......

b. Other financial assets..,...........,...........,.,.....,.....,........,..,..,............,...,...................,........,.......,......

3.a.
3.b.

4. E,qui,ty securities that DO NOT have readily determinable fair values4 ....lt¿Ï'r¿:ê:...v;.I.ti..,'f.~'ert.,'(§

4.

6. All other assets (itemize and describe amounts greater than $25,000 that exceed 25% of
this item).............,..............,.,....".....,.............,.,....,..................,......,..,.......................,....,..,..., ,...........

6.

a. Prepaid expenses (excluding prepaid assessments) .............................
b. Repossessed personal propert (including vehicles) .............................
c. Derivatives with a positive fair value held for purposes other than

6,a.
6.b,

trading ,........,.,.,.,.,..,.,.,.,.............,....................,......."..............,......,..,....

6.c.

d. Retained interests in accrued interest receivable related to securitized
credit cards..............,.........".,..,.................,.,..,...........,.,.....,..........,.....,., C436

e. FDIC loss-sharing indemnification assets ............ .................................. J448

6.d.
6.e.

f. Pre aid de osit insurance assessments................................................ J449

6.f.

g.
~;
3549
h.
~~
3550
i. ~~ 3551

7. Total (sum of items 1 through 6) (must equal Schedule RC, item 11)................................................

6.g,
6.h.
6,i.
7.

Schedule RC-G-Other Liabilities
Dollar Amounts in Thousands
1. a. Interest accrued and unpaid on deposits in domestic offices

5 ......................................................

1.a.

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 liabilties (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

e.~~J
3552
f.
~~
g. %J _ 3553
3554

1.b.
2.
3.

4.

4.a.
4.b.
4.c.

d. Derivatives with a negative fair value held for purposes other than

tradinQ ....,..,.........,.,..........."........,.......".,............,.............,............"...,... C012

5. Total (sum of items 1 through 4) (must equal Schedule RC, item 20)................................................ 2930

1 Include accued interest receivable on loans, leases, debt securities, and other interest-bearing assets.
2 See discussion of deferred income taxes in Glossary entry on "income taxes."
3 Report interest-only strips receivable in the form of a security as available-for-sale securities in Schedule RC, item 2.b, or as trading assets

in Schedule RC. item 5, as appropriate,
4 Indude Federal Reserve stock, Federal Home Loan Bank stock, and bankers' bank stock.
5 For savings banks, indude "dividends" accred and unpaid on deposits.

4.d.
4.e.
4.f.

4.g.
5.

INSERT 0 - FFIEC 031 - SCHEDULE RC-F, ITEM 5

5. Life insurance assets:

a. General account life insurance assets ............... ...................................... XX
b, Separate account life insurance assets ............. ...................................... XX
c. Hybrid account life insurance assets .... .............. ..................................... xxx

FFIEC 031
Page RC-21

~

Schedule RC-H-Selected Balance Sheet Items for 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

3.
4.
5.

6. Net due from own foreign offces, Edge and Agreement subsidiaries, and IBFs ...............................

6.

OR
7,

7. Net due to own foreign offces, Edge and Agreement subsidiaries, and IBFs ...................................
8. Total assets (excludes net due from foreign offices, Edge and Agreement subsidiaries, and
IBFs) .....,...,............,',..,....,."...........,.,............,.......,..............,...".............,.................,..,...,..,.,...........
liabilities (excludes net due to foreign offices, Edge and Agreement subsidiaries, and
9. Total
IBFs) .,.,.............."....,.,...,.......,....,.,...........,.,.,..,.,................,..,...............,...,.,..........,.,..............,..".,...

8.
9,

(ColumnA)

(Column B)

Amortized Cost of
Held-to-Maturity

Fair Value of
Available-for-Sale

Securities

Securities

Dollar Amounts in Thousands RCON
10.

10. U.S. Treasury securities....,.........................,...".,.".........,.,.......................... 0211
11. U.S. Government agency obligations (exclude mortgage-backed
securities).,..,...,.....,., ,.............,......, ,...,..........,....,.,.................,..................... 8492

11.
12.

12. Securities issued by states and political subdivisions in the U.S. ................ 8496
13. Mortgage-backed securities (MBS):
a. Mortgage pass-through securities:

13.a,(1 )

(1) Issued or guaranteed by FNMA, FHLMC, or GNMA......................... G389

13.a.(2)

(2) Other mortgage pass-through securities........................................... 1709
b. Other mortgage-backed securities (include CMOs, REMICs, and
stripped MBS):

13.b.(1)
13.b.(2)

(1) Issued or guaranteed by FNMA, FHLMC, or GNMA......................... G393

(2) All other mortgage-backed securities................................................ 1733
14. Other domestic debt securities (include domestic structured financial
products and domestic asset-backed securities) ......................................... G397
15. Foreign debt securities (include foreign structured financial products
and foreign asset-backed securities) ........................................................... G399
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

14.
15.
16.
17.

items 10 through 16)................. ............. .............. ............ ............................ 1754
RCON

18.

18. Equity securities that do not have readily determinable fair values.. ......... ............ ............................ 1752

Schedule RC-I-Assets and Liabilities of IBFs
To be completed only by banks with IBFs and other "foreign" offces.
Dollar Amounts in Thousands

RCFN

1. Total IBF assets of the consolidated bank (component of Schedule RC, item 12) ........................... 2133
2. Total IBF liabiliies (component of Schedule RC, item 21) ................................................................ 2898

Bil

Mil

Thou

1.

2.

FFIEC 031

Page RC-22

~

Schedule RC-K-Quarterly Averages1
Dollar Amounts in Thousands RCFD

ASSETS
1. Interest-bearing balances due from depository institutions.."..""..............".."........"""",,.......

1.

2. U.S, Treasury securities and U.S, Government agency obligations2 (excluding mortgage-

backed securities) ...........,........"................,.,..,.....,',.,...,.........."."..,.........,.."...........,.....".,......
3. Mortgage-backed securities2 ..........,...........,.,..........,.,...,..."......,.".".........,..".."".....,....,."...."

2.
3.

4, All other securities2, 3 (includes securities issued by states and political subdivisions in

the U.S.) ,......,.,...,.....,.....,........,..........,.,....................,...,.,...........,..".................,...,........,.,.......
5. Federal funds sold and securities purchased under agreements to resell......................".."....

4,
5.

6. Loans:

a. Loans in domestic offces:
(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 ..........."......"........
...........".,,,.,..................,..
loans,.."..,..."...,."....."...,..,.,.,......
(4) Commercial and industrial
(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)"""................................................... B562
loans in foreign offices, Edge and Agreement subsidiaries, and IBFs............... RCFN 3360
b. Total
7, Trading assets........,.,...,....,....".....,............",.,.,........,.,.,".,..."...,.,.,.,.................,..."..,.... RCFD 3401
8. Lease financing receivables (net of unearned income)........"......................................... RCFD 3484
9, Total assets4 .,...".,.,..,.......,.,.............,..........,.,....,.....,.,...,.,."....,....,.....,.............,....,....... RCFD 3368

6.a.(1 )

6,a.(2)(a)
6.a,(2)(b)
6.a.(3)
6.a,(4)
6,a.(5)(a)
6.a.(5)(b)
6,b.
7.
8.
9,

LIABILITIES

10. Interest-bearing transaction accounts in domestic offces (NOW accounts, ATS accounts,
and telephone and preauthorized transfer accounts) (exclude demand deposits) ............."....
11, Nontransaction accounts in domestic offces:
a. Savings deposits (includes MMDAs).................."................................................................ B563
b, Time deposits of $100,000 or more."........................"......................................................... A514
c. Time deposits of less than $100,000............."..".............................."..............."............".. A529

12. Interest-bearing deposits in foreign offces, Edge and Agreement subsidiaries,
and IBFs .......,.""".................,.......".......",..,'''"......,.,,,...,,.......".............,....".."...,.,.,,,. RCFN 3404
13. Federal funds purchased and securities sold under agreements to repurchase ............. RCFD 3353
14. Other borrowed money (includes mortgage indebtedness and obligations under
capitalized leases),..........,..,..,......................,."...............,...,............,...,.,........,.,....,.,......, RCFD

10.

11.a
11.b
11,c.
12,
13,
14.

1 For all items, banks have the option of reporting either (1) an average of DAILY figures for the quarter, or (2) an average of WEEKLY figures
(Le., the Wednesday of each week of the quarter).
2 Quarterly averages for all debt securities should be based on amortized cost.
3 Quarterly averages for all equity securities should be based on historical cost.
4 The quarterly average for total assets should 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-23

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"...........,..,..,..,.,.................,............,...,...,.........................,...,....................,.,..........................
Items 1.a.(1) and 1.a.(2) are to be completed for the December report only.

1.a.

(1) Unused commitments for Home Equity Conversion Mortgage (HECM) reverse

mortgages outstanding that are held for investment in domestic offices (included in
item 1.a above) .................,................,.,.,..,........................,.,.,................,.,.,..........................

1,a.(1)

(2) Unused commitments for proprietary reverse mortgages outstanding that are held
for investment in domestic offces (included in item 1.a. above) ....................................

1,a.(2)

b. Credit card lines .......,..........................,..........................,..............,.....,.,............,..........................

1.b.

Items 1.b.(1) and 1.b.(2) are to be completed by banks with either $300 milion or more in
1 (Sum of items 1.b.(1) and 1.b.(2)

total assets or $300 millon or more in credit card lines.

must equal item 1.b)
(1) Unused consumer credit card lines.... .................. ..............................................................
(2) Other unused credit card lines.,................,..,.,....,..............,."."............,.....,.,."..................

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

c. Commitments to fund commercial real estate, construction, and land development loans:

(1) Secured by real estate:
(a) 1-4 family residential construction loan commitments .....................................................
(b) Commercial real estate, other construction loan, and land development loan

1.c.(1 )(a)

commitments ..... .....,.. ,.. ... .....,...,.,., ....... ...,...,.,.. ...........,.. ,....,. ........,..., ...,.,. ,.....,..... ........ ...

1.c.(1 )(b)

(2) NOT secured by real estate ....,.....,.......,.........,.,...,........,...........,............"...,'..,.,....................
d. Securities underwriting ..........................,..".,..........,.,...,....................,.,........,',...,..........................
e. Other unused commitments:
loans ........................................................................................
(1) Commercial and industrial

1.c.(2)
1.d.
1.e.(1 )

2. Financial standby letters of credit...................,...............,...............,...,.,."........,'.,....,........................

1,e.(2)
1.e.(3)
2.

Item 2.a is to be completed by banks with $1 billon or more in total assets, 1
a. Amount of financial standby letters of credit conveyed to others ........... 3820

2.a,

3. Performance standby letters of credit .............,........,.........,..............,..,...,...................,.............,.......

3.

Item 3.a is to be completed by banks with $1 bilion 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............................. ...................................... ..........................

3.a.
4.

(2) Loans to financial institutions............,..........,..............,...,.,....................,.".......,.,...,.,........
(3) All other unused commitments .........,...,..,.,.,................,.....,.,................,.........,....,.,.....,.....

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

7. Credit derivatives: RCFD Bil Mil

6.

(Column B)
Purchased Protection
RCFD

a. Notional amounts:

(1) Credit default swaps .................................. C968
(2) Total return swaps...................................... C970

(3) Credit options............................................. C972
(4) Other credit derivatives.............................. C974

7.a.(1 )

7,a.(2)
7.a,(3)
7.a,(4)

b. Gross fair values:

(1) Gross positive fair value............................. C219
(2) Gross negative fair value ........................... C220
1 The asset size test and the $300 milion credit card lines test are generally based on the total assets and credit card lines reported in
the June 30, 26 Report of Condition.
1.010)

7.b.(1 )

7.b.(2)

FFIEC 031

Page RC-24

§J

Schedule RC-L-Continued
7. c. Notational amounts by regulatory capital treatment:1
(1) Positions covered under the Market Risk Rule:
(a)

Sold protection .......,',.....................,..,.,.,...,...,......................,.,......."..,.,.......,....,................ G401

7.c.(1 )(a)

(b)

Purchased protection ,.,...,.,...............................,.,.,..............,.,...,.,.,..,.........,...,.,.....,.,........ G402

7.c,(1 )(b)

(2) All other positions:
(a)
(b)

Sold protection ............,."..,.,...........".,...........".......,.,...................,.....,.....,.,.......,.............. G403

7.c.(2)(a)

Purchased protection that is recognized as a guarantee for regulatory capital
purposes..,..,...,...............,......,....,.....,.".........,..........,.,.,.....,.,.................. .................,...,..

7.c.(2)(b)

(c) Purchased protection that is not recognized as a guarantee for regulatory capital

7,c.(2)(c)

purposes......... .......,.,. ,.,.,., ......, ..... ....... .... .... ......,..., .......,..,.. .....,.,.... ......... .........,. .... ......,.

of:

(ColumnA)

One Year or Less

(Column C)

Over Five Years

Dollar Amounts in Thousands

7. d. Notional amounts by remaining maturity:

(1) Sold credit protection:2
(a) Investment grade .................................

7.d,(1 )(a)

(b)Subinvestment grade ...........................

7.d,(1 )(b)

(2) Purchased credit protection:3
(a) Investment grade .................................
(b) Subinvestment grade ...... ...... ...............

7.d.(2)(a)
7.d.(2)(b)

8. Spot foreign exchange contracts.................,...,.,...............................,......,.,....,...................,."...........
9. All other off-balance sheet liabilties (exclude derivatives) (itemize and describe each component

8.

of this item over 25% of Schedule RC, item 27,a, "Total bank equity capital" . .......... ...... .............. ....

9.

a. Securities borrowed..........,............................,..........,..............,.......,......

9.a,
9,b.

b. Commitments to purchase when-issued securities ................................
a Federal Home Loan Bank on the
bank's behalf ..,.,.,...,.............................,...................,..........................,..
d. ~~~¿

c. Standby letters of credit issued by

e. 3556

9.c.
9.d.
9.e.

f. ~T

9.f.

TEXT

10. All other off-balance sheet assets (exclude derivatives) (itemize and
describe each component of this item over 25% of Schedule RC,
item 27.a, "Total bank equity capital" .........................................................
a. Commitments to sell when-issued securities .........................................

10.

10.a.
10.b.
10.c.
10.d.
10.e,

b. ~ri
c. ~~I
d. ~~¡
e. 1~~~
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

Tril

Bil

Mil

1 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.

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.
3 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.

Thou

11.a.
11.b.

FFIEC 031

Page RC-25

~

Schedule RC-L-Continued
Dollar Amounts in Thousands

(ColumnA)
Interest Rate
Contracts

(Column B)

Foreign Exchange
Contracts

(Column C)

(Column D)

Equity Derivative

Commodity and

Contracts

Other Contracts

Derivatives Position Indicators
12. Gross amounts (e.g., notional
amounts) (for each column, sum of

items 12.a through 12.e must equal
sum of items 13 and 14):
a, Futures contracts.............................

12.a,

b, Forward contracts.... ........................

12,b,

c. Exchange-traded option contracts:

(1) Written options .."...."................

12.c.(1)

(2) Purchased options....................
d, Over-the-counter option contracts:

12.c.(2)

(1) Written options ...............".........

12.d.(1)

(2) Purchased options ..."....".........

12.d.(2)

e. Swaps...............................,..............
13. Total gross notional amount of
derivative contracts held for trading.....
14. Total gross notional amount of
derivative contracts held for
purposes other than trading .......... .......
a. Interest rate swaps where the
bank has agreed to pay a
fixed rate.,....,.,.........,.......,."....".,.,..
15. Gross fair values of derivative

12.e,
13.

14.

14.a.

contracts:
a. Contracts held for trading:
(1) Gross positive fair value............

15.a,(1 )

(2) Gross negative fair value ..........
b. Contracts held for purposes other
than trading:

15.a.(2)

(1) Gross positive fair value............

15,b.(1)

(2) Gross negative fair value ..........

15.b.(2)

Guarantors

G443

G418

2.0/0,/

(Column C)

Hedge Funds

1 The $10 billon asset size test is generally based on the total assets reported on the June 30, iØ Report of Condition.

items 16.b.(1) through (7))

I G453

(5) Corporate bonds ................."........".........
(6) Equity securities....."................................ G448
(7) All other co lateral "...................."...
(8) Total fair value of collateral (sum of

U.S. Government-sponsored agency
debt securities......,....,.........,....,....,....,...,. G438

(3) U,S. Treasury securities...........................
(4) U.S. Government agency and

(2) Cash-Other currencies

(1) Cash-U,S. dollar

16. Over-the-counter derivatives:
a. Net current credit exposure
b. Fair value of collateral:

RCFD i

Firms

Dollar Amounts in Thousands I RCFD

(Column B)
Monoline Financial

(ColumnA)
Banks and Securities

Item 16 is to be completed only by banks with total assets of $10 bilion or more.1

Schedule RC-L-Continued

RCFD

ii

(Column E)
Corporations and All
Other Counterparties

16.b,(8)

16.b.(4)
16.b,(5)
16.b.(6)
16.b.(7)

16.b.(1)
16,b,(2)
16,b.(3)

16,a.

§J

Page RC-26

FFIEC 031

FFIEC 031

Page RC-27

~

Schedule RC-M-Memoranda
Dollar Amounts in Thousands

1. Extensions of credit by the reporting bank to its executive officers, directors, principal
shareholders, and their related interests as of the report date:
a. Aggregate amount of all extensions of credit to all executive officers, directors, principal

1.a.

shareholders, and their related interests.."................,.......,.....,.,.".. ...,...,.......,.....,.".,.....,.,...,......
b. Number of executive officers, directors, and principal shareholders to whom the amount of all
extensions of credit by the reporting bank (including extensions of credit to
related interests) equals or exceeds the lesser of $500,000 or 5 percent

1.b,

of total capital as defined for this purpose in agency regulations...................... 6165
2. Intangible assets other than goodwil:
a. Mortgage servicing assets................,.,.."..,.............,......,.,...........,..................,.....,.,.,....,......,.......
(1) Estimated fair value of mortgage servicing assets ..................... ....... A590
b. Purchased credit card relationships and nonmortgage servicing assets ..................... ................. B026
c. All other identifiable intangible assets ........................................................................................... 5507

d. Total (sum of items 2.a, 2.b, and 2,c) (must equal Schedule RC, item 10.b) ...............".."........." 0426
RCON
3. Other real estate owned:
a. Construction, land development, and other land in domestic offces ..........................."............... 5508
b. Farmland in domestic offices..,,,.....,,.........,.....,.,,,,..,..,.,..,,.,,.............,.".................."..................,' 5509
c. 1-4 family residential properties in domestic offices..".................................................."..."........ 5510

d. Multifamily (5 or more) residential properties in domestic offces...".................."............"".."..".

5511

2.a.
2.a.(1 )

2.b.
2.c,
2.d.

3,a.
3.b.
3.c,
3.d.

e. Nonfarm nonresidential properties in domestic offices..."............................................................. 5512
f, Foreclosed properties from "GNMA loans"............"........."...."..................".....".......................". C979

3.e.

g. In foreign offices.,,,.,,..,.......,........,........,,...,.,.,......,.............,..,..."........,...........................,........."..

3.g.

h. Total (sum of items 3.a through 3.g) (must equal Schedule RC, item 7).......................................

3,h.

3.f.

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 .........,..,........................,..,.,..,.,.....,.,',.,.............,................"............,..........

5.a.(1 Ha)
5.a.(1 Hb)
5.a.(1 Hc)
5.a.(1 Hd)

(2) Advances with a REMAINING MATURITY of one year or less (included in item 5.a,(1 Ha)
above)2 .,.., ....,. ,........,.,......... .... ......,..,...,... ,.,.,....,., ..... ....... ......... ...... ...... ....,... ....,............, ... ....

(3) Structured advances (included in items 5,a.(1 Ha) - (d) above)..............................................

5.a.(2)
5.a,(3)

b. Other borrowings:

(1) Other borrowings with a remaining maturity or next repricing date of:3

(a) One year or less......,.....,.....,........"..,.......,........,..."................................,..........,.,....,..,....,
".......
"......
"....................................
(b) Over one year through three years .............................
(c) Over three years through five years......................."..."..................................................".
(d) Over five years .."................,........."..,..,.................,,,.................."...................................,.
(2) Other borrowings with a REMAINING MATURITY of one year or less (included in
item 5.b.(1 Ha) above)4 ....,...,.............,..."..,',.,....,.....,..,..............,...,................".,....................
c. Total (sum of items 5.a.(1 HaHd) and items 5,b.(1 HaHd)) (must equal Schedule RC,
item 16) ...,..."..,....,...,.............,...,...................,.....,..,.,..,......,....................,..............,.,..,....,...........

5.b.(1 )(a)

5.b.(1 )(b)
5,b.(1 )(c)
5.b.(1 Hd)

5.b,(2)
5.c,

1 Report fixed rate advances by remaining maturity and floating rate advances by next repricing date.
2 Report both fixed and floating rate advances by remaining maturity. Exclude floating rate advances with a next repricing date of one year or less that have
a remaining maturity of over one year.
3 Report fixed rate other borrowings by remaining maturity and floating rate other borrowings by next repricing date.
4 Report both fixed and floating rate other borrowings by remaining maturity. Exclude floating rate other borrowings with a next repricing date of one year or
less that have a remaining maturity of over one year.

FFIEC031
Page RC-28

~

Schedule RC-M-Continued
Dollar Amounts in Thousands

6. Does the reporting bank sell private label or third-part mutual funds and annuities? ......................

6.

7. Assets under the reporting bank's management in proprietary mutual funds and annuities..............
8, Primary Internet Web site address of the bank (home page), if any
(Example: ww.examplebank.com)

7.

8,

I ~~T Ihttp://
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? ....... .......... ........ ...........
10. Secured liabilities:
a. Amount of "Federal funds purchased in domestic offces" that are secured (included in

9.

RCON

Bil

Mil

Thou

Schedule RC, item 14,a) ................"...,...................,.,.,..........................,""',....,........................... F064
b. Amount of "Other borrowings" that are secured (included in Schedule RC-M,

:;

RCFD

10.b.

items 5.b.(1 )(aHd)) .................."...,..................,........................,..,.......................,.....,.....,',......... F06S
11. Does the bank act as trustee or custodian for Individual Retirement Accounts, Health
Savings Accounts, and other similar accounts?... ..............................................................................
12. Does the bank provide custody, safekeeping, or other services involving the acceptance of
orders for the sale or purchase of securities? ~.'R'tjit'itU:...w\'k:..'lH-et"T.(P)................................ I G464

L.
RCFD
I--s-sharing agreements with the FDIC:
13. Assets c
.......................... J4S2
-~ems 4.a and 4.b)........
a. Loans and leases (includea In
....................................... J4S3
...
b. Other real estate owned (included in Schedul"
J461
e RC, items 2.a and 2.b) .......................................
c. Debt securities (includ.... .

d.

,"UL.

iN .sF~ï (g

,exclude FDIC loss-sharing indemnification assets) ...... .................................. J462

10.a,

I

-"

~
""

-

11.

12.

inou

13.a.
13.b.
13.c.
13.d.

INSERT P - FFIEC 031 - SCHEDULE RC-M, ITEM 13
13. Assets covered by loss-sharing agreements with the FDIC:

a. loans and leases (included in Schedule RC. items 4.a and 4.b):

(1) loans secured by real estate in domestic offces:
(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

(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

XX
XX
XX
, q;ry"'

,..-_..
,¡
~~ t~', ~:: '(':
~,"t¡ ,,'

4,
~~(
~~J
XX
XX
XX

(e) Secured by nonfarm nonresidential properties:

(1) loans secured by owner-oupied nonfarm nonresidential properties
(2) loans secured by other nonfarm nonresidential properties

(2) loans to finance agricultural production and other loans to farmers
(3) Commercal and industrial

loans

(a)
Credit
cards
XX
(b) Automobile loans XX

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

(c) Other consumer loans (includes single payment, installment, all student loans,

leases XX

and revolving credit plans other than credit cards) XX
(5) All other loans and all

Itemize the categries of loans and leases (as defined in Schedule RC-C, part i) included in
item 13.a.(5) above that exced 10% of total
loans and leases covered by loss-sharing
agreements with the FDIC (sum of items 13.a.(1) through (5)):

(a) loans to depository institutions and accptances of other banks
(b) loans to foreign govemments and offcial institutions
(c) Other loans 1

(d) lease financing reivables

(e) loans seured by real estate in foreign offces
b. Other real estate owned (included in Schedule RC. item 7):

(1) Construction, land development, and other land in domestic offces
(2) Farmland in domestic offces
(3) 1-4 family residential properties in domestic offces
(4) Multifamily (5 or more) residential properties in domestic offces

(5) Nonfarm nonresidential properties in domestic offces

XX
XX
XX
XX
RCFN

(6) In foreign offces

XX
RCFD

(7) Portion of covered other real estate owed included in items 13.b.(1) through (6)

above that is proteced by FDIC loss-sharing agreements XX
c. Debt securities (included in Schedule RC, items 2.a and 2.b) J461
d. Other assets (exclude FDIC loss-sharing indemnification assets) J462
1 Includes "Obligations (other than secrities and leases) of states and political subdivisions
in the U.S." and "Loans to nondepository financial institutions and other loans."

~ :;" ~

r:J*; "' '. ;,

INSERT Q - FFIEC 031 - SCHEDULE RC-M, ITEM 14

14. Captive insurance and reinsurance subsidiaries: ~
a. Total assets of captive insuranca subsidiaries' ...................... ............ ~
b. Total assets of captive reinsurance subsidiaries2 .................................... XX
2 Report total assets before eliminating intercompany transactions between the consolidated insurance or

reinsurance subsidiary and other offces or consolidated subsidiaries of the reporting bank.

FFIEC031
Page
RC-29

Schedule RC-N-Past Due and Nonaccrual Loans, Leases, and Other Assets
(ColumnA)

Past due
30 through 89

(Column B)
Past due 90
days or more

days and still

and stil

accruing

accruing

§J

(Column C)

Nonaccrual

Dollar Amounts in Thousands RCON Bil

1, Loans secured by real estate:
a. Construction, land development, and other

land loans in domestic offces:
(1) 1-4 family residential construction
1 ,a.(1)

loans ..............."..,................,"",....,"',........
land
development and other land loans..............
b. Secured by farmland in domestic offces. .........
c. Secured by 1-4 family residential
(2) Other construction loans and all

1.a.(2)
1.b.

properties in domestic offces:
(1) Revolving, open-end loans secured by
1-4 family residential properties and
extended under lines of credit...................

1.c.(1 )

(2) Closed-end loans secured by

1-4 family residential properties:
(a) Secured by first liens ............................ C236
(b) Secured by junior liens ......................... C23a
d. Secured by multifamily (5 or more) residential

properties in domestic offices ..,........................

1.c.(2)(a)
1,c.(2)(b)
1,d.

e. Secured by nonfarm nonresidential

properties in domestic offces:
owner-occupied
(1) Loans secured by
nonfarm nonresidential properties... ...........

1.e.(1 )

(2) Loans secured by other nonfarm

nonresidential properties............................. F179
RCFN

f. In foreign offces ........ ........ ................................ B572

1,e.(2)

1.

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

a. To U.S. banks and other U.S, depository RCFD
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 ..R,t,.~.i.IJ:,',N,ra.:T:..(......., B575

b. e installment,
all student loans, and revolving credit lans

6. Loans to foreign governments and offcial

institutions ....,.,..........,................,.".,....................., 5389
7. All other loans........................................................ 5459

2,a,
2.b.

INSERT R - FFIEC 031 - SCHEDULE RC-N, ITEM 5

b. Automobile loans .... ...... .......... XX

XX

c, Other consumer loans

(includes single payment,
installment, all student loans,

and revolving credit plans

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

XX

XX

FFIEC031
Page
RC-30

§J

Schedule RC-N-Continued

Amounts reported in Schedule RC-N, items 1 through 8, include guaranteed and unguaranteed portions of past due and nonaccrualloans
and leases. Report in item 10 below certain guaranteed loans and leases that have already been included in the amounts reported in
items 1 through 8.

(ColumnA)
Past due

30 through 89

Dollar Amounts in Thousands

(Column B)
Past due 90
days or more

days and still

and stil

accruing

accruing

(Column C)

Nonaccrual

RCFD Bil Mil

8, Lease financing receivables:
a. Leases to individuals for household, family,

8.a.
8,b.

and other personal expenditures ...".."...""..".
b. All other leases ...".""".."""""......,,.,,"",,.,,""
9. Debt securities and other assets (exclude
other real estate owned and other repossessed
assets) ....."...............................,..,...,..,',.....,"',.,',.

O. and leases reported in items 1 through 8
above whic holly or partiaiiy guaranteed

by the U.S. Governmen' ding loans and
leases covered by FDIC loss-sha
agreements) ...,',...,.............,.................,...............
a. Guaranteed portion of loans and leases
included in item 10 above (exclude rebooked
"GNMA loans.)............."......,,"""
b. Rebooked "GNMA i "a have been

repurch are eligible for repurchase
. c uded in item 10 above......................."..,,""
L) R~"iA,CL wìU, llJSfia.-r(i

(ColumnA)
Past due

30 through 89
days and still

~lIlCL WI'", (tJ.ffLT ø
Dollar Amounts in Thousands RCON

tured loans and leases included in
Schedule R - " 1 through 8, above

(and not reported in Schedu art i,
Memorandum item 1):
a. Loans secured by 1-4 family residential

properties in domestic offices ....."....."
b. Other loans and all

lea e loans

to indivi ousehold, family, and

n i ex enditures ......."......"........... 1658
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.".."...."".... 6558
3. Loans secured by real estate to non-U,S,
addresses (domicile) (included in

Schedule RC-N, item 1, above) .........."....."......".. 1248
4. Not applicable

accruing

(Column B)
Past due 90
days or more

stil
and
accruing
Bit

(Column C)

Nonaccrual

INSERT S - FFIEC 031 - SCHEDULE RC-N, ITEMS 10 AND 11
10. loans and leases reported in items 1 through 8 above
that are wholly or partially guaranteed by the U.S.

Govemment, excluding loans and leases covered by
loss-sharing agreements with the FDIC

XX

XX

XX

XX

XX

XX

XX

XX

XX

(1) loans to depository institutions and
accptances of other banks

XX

XX

XX

(2) loans to foreign govemments and offcial
institutions

XX

XX
XX
XX

XX
XX

a. Guaranteed portion of loans and leases included in
item 10 above, excluding reboked "GNMA loans"

b. Reboked "GNMA loans" that have been
repurchased or are eligible for repurchase included in

item 10 above
11. loans and leases reported in items 1 through 8 above
that are covered by loss-sharing agreements with the
FDIC:

a. loans secured by real estate in domestic offces:
(1) Construction, land development. and other
land loans:

(a) 1-4 family residential construction loans
(b) Other construction loans and all land

development and other land loans
(2) Secured by farmland

(3) Secured by 1-4 family residential properties
(a) Revolving, open~nd loans secred by 14 family residential properties and extended
under lines of credit

(b) Closed~nd 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:

(a) loans secured byowner-oupied
nonfarm nonresidential properties
(b) loans secured by other nonfarm
nonresidential properties

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) Automobile loans

(3) Other consumer loans (includes single
payment, installment, all student loans. and
revolving credit plans other than credit cards)
e. All other loans and all leases
Itemize the past due and nonaccrual amounts
included in item 11.e above for the loan and lease
categories for which amounts were reported in
Schedule RC-M, items 13.a.(5)(a) through (e):

(3) Other loans 1

(4) lease financing receivables

xx
XX

RCFN
(5) loans secured by real estate in foreign offces

XX
RCFD

f. Portion of covered loans and leases included in

items 11.a through 11.e above that is proteced by
FDIC loss-sharing agreements

XX

Includes "Obligations (other than securities and leases) of states and political subdivisions
in the U.S." and "loans to nondepository financial institutions and other loans."

INSERT T - FFIEC 031 - SCHEDULE RC-N, MEMO ITEM 1

1. loans restructured in troubled debt restructurings
included in Schedule RC-N, items 1 through 7, above (and
not reported in Schedule RC-C, Part 1, Memorandum item
1 ):

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

domestic offces:

(1) 1-4 family residential construction loans XX

XX

XX

and other land loans XX

XX

XX

F662

F663

XX

XX

(2) Other construction loans and all land development

domestic offces F661
in domestic offces XX
b. loans secured by 1-4 family residential properties in

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

d. Secured by nonfarm nonresidential properties in

domestic offces:
(1) loans secured by owner-occpied nonfarm

nonresidential properties
(2) loans secured by other nonfarm nonresidential

properties
e. Commercial and industrial loans:
(1) To U.S. addressees (domicile)
(2) To non-U.S. addressees (domicile)

f. All other loans (Include loans to individuals for
household, family, and other personal expenditures)
Itemize loan categories included in Memorandum item 1.1,
loans restructured in
above that exceed 10% of total
troubled debt restructurings that are past due 30 days or
more or in nonaccrual status (sum of Memorandum items
1.a through 1.1, columns A

through C):

(1) loans secured by farmland in domestic offces

(2) loans to depository institutions and accptances
of other banks
(3) loans to finance agricultural prouction and other
loans to fanmers
(4) loans to individuals for household, family, and
other personal expenditures:

(b) Automobile loans

XX
XX

XX
XX

XX
XX

(c) Other consumer loans (includes single
payment, installment, all student loans, and
revolving credit plans other than credit cards)

XX

XX

XX

(a) Credit cards

(5) loans to foreign govemments and offcial
institutions
(6) Other loans'

XX
XX
RCFN

(7) loans seured by real estate in foreign offces

XX

1 Includes "Obligations (other than seurities and leases) of states and political subdivisions in the U.S." and

"loans to nondepository financial institutions and other loans."

XX

FFIEC 031
Page RC-31

~

Schedule RC-N-Continued
Memoranda-Continued
(ColumnA)

(Column B)
Past due 90
days or more

Past due

30 through 89

(Column C)

Nonaccrual

and stil

days and still

accruing

accruing
Dollar Amounts in Thousands RCFD Bil Mil
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:

M.5.a.
M.5.b.(1)
M.5.b.(2)

(1) Fair value .................. .................................
(2) Unpaid principal balance.............................
(ColumnA)
Past due 30

through 89 days

Dollar Amounts in Thousands RCFD Thou
6. Derivative contracts:

Fair value of amounts carried as assets ................ 3529

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)( o."il

~ each quarter. Each bank that reported $1 bilion or more in total assets in its March 31, 2007, Report of Condition must
complete items 4 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 billon or more. Each bank that
1, 2007, must complete items 4 through 6 each quarter. Any other bank may
becomes insured by the FDIC on or after April
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(1) of the Federal
Deposit Insurance Act and FDIC regulations ....................................................................................
2. Total allowable exclusions, including interest accrued and unpaid on allowable exclusions

1.

(including foreign deposits) ,.,..".,.,..............,........,.............,.,.......,..,.......,............,..".,.........,......,.....
3. Total foreign deposits, including interest accrued and unpaid thereon (included in item 2

2.

above) ......,........,.,.,...,................,.......,......,.,.....,............,.......,.,.".,.,...,.,.,..,..,...,...................,.,.,...,.,.

3.

4. Total daily average of deposit liabilities before exclusions (gross) as defined in
Section 3(1) 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).........,.........,...,.,.....,.,..........,.,...,.,.,........,.,.,..."....,......,..,.............,.....,.....

4.
F239

5,

RCFN

F235

6.

FFIEC 031

Page RC-32

~

Schedule RC-O-Continued
Dollar Amounts in Thousands

7. Unsecured "Other borrowings" with a remaining maturity of (sum of items l.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............................,.,............,.,.,....................,.,......,.,.........,.,..".,......,....."........,... G465
b. Over one year through three years ................................................................... ............................ G466
c. Over three years through five years .............................................................................................. G467

7.a,

d. Over five years .,.,........,',.,."..".......,.,.......,....,...,.,.,.,....................,....................,.,...................,.,... G468

l.b.
l.c,
l,d.

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..,.,",.."...,......,.,."..............,..........,.............."......,.............,.....,................,.,..".... G469
b. Over one year through three years ............................................................................................... G470
c. Over three years through five years .............................................................................................. G471
d. Over five years ..............,..,..,...,...........................,.,............."...,................,................................... G472

8.a.
8.b.
8.c.
8.d.

RCON
9. Reciprocal broke

red deposits (included in Schedule RC-E, part i, Memorandum item 1.b) .............. G803

9.

FFIEC 031

Page RC-33

~

Schedule RC-Q-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 $250,000 or less:1
M.1 ,a,(1)

(1) Amount of deposit accounts (excluding retirement accounts) of $250,000 or less..................

(2) Number of deposit accounts (excluding retirement accounts) Number

M,1.a.(2)

of $250,000 or less ............................................................................ F050
b. Deposit accounts (excluding retirement accounts) of more than $250,000:1

M.1.b.(1 )

(1) Amount of deposit accounts (excluding retirement accounts) of more than $250,000............

(2) Number of deposit accounts (excluding retirement accounts) Number

M.1.b.(2)

of more than $250,000,.........,...................................,.......,.....,..,......... F052
c. Retirement deposit accounts of $250,000 or less:1
(1) Amount of retirement deposit accounts of $250,000 or less....................................................
Number

M.1.c.(1 )

M,1.c,(2)

(2) Number of retirement deposit accounts of $250,000 or less ............. F046
d. Retirement deposit accounts of more than $250,000:1

M.1.d.(1 )

(1) Amount of retirement deposit accounts of more than $250,000..............................................
Number
(2) Number

M.1.d.(2)

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

~

M.2.

~

A545 M.3,

association:

Dollar Amounts in Thousands RCON

emo items 4.a and 4.b are to be completed by all banks partcipating in the
Die Transaction uarantee Program.
4. Noninterest-bearing transaction s as defined in Part 370 of the FDIC's regul '
more than $250,000 (see instructions):
a. Average daily amount of noninterest-bearing tr nts of more than
$250,000 (including balances swe noninterest-bearing transac ounts to

noninterest-bearin s accounts) ................,...,..,...........,........................,.,...............,...,
b. Ave y number

of non

interest-bearing transaction Number

tw i I

i., Net Off'iú.bie.

Memorandum items 5.a and 5.b are to be completed by all banks.
5. Noninterest-bearing transaction accounts (as defined in Section 343 of the Dodd-Frank Act)

of more than $250,000 (see Instructions):
a. Amount of non

interest-bearing transaction accounts of more than $250,000.......................

b. Number of non

interest-bearing transaction accounts of more than Number

$250,000 ........,...,.,.,.,.......,....,."..,.,...,............".,.....,................................ J945
1 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 excluding the temporary unlimited insurance coverage on noninterest-bearing tra~~~~ti~ccunts._ i. 0 i ø)

2 The $1 billon asset size test is generally based on the total assets reported on the June 30, ,eport of Condition.
3 Uninsured assessable deposits should be estimated based on the deposit insurance limits set fort in Memorandum items 1.a through 1.d
interest-bearing transaction accounts, but without taking into accunt a bank's
and the temporary unlimited insurance coverage on non

partidpation in the FDIC's Debt Guarantee Program.

FFIEC 031

~

Page RC-34

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 billon or more in total assets1 and (2) banks with less than $1 billon

in total assets at which either 1-4 family residential mortgage loan originations and purchases for resale2 from all sources, loan
sales, or quarter-end loans held for sale in domestic offces exceed $10 milion for two consecutive quarters.
Dollar Amounts in Thousands RCON

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.,........,..,..,...,..,..."....,.....,."..,..,...,.,....,....,..............,............,.... ......,... .......

1.a.
1.b.

c. Open-end loans extended under lines of credit:

(1) Total commitment under the lines of credit ...................................................................... ......
(2) Principal amount funded under the lines of credit .. ............................................... .................
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......................,..........,.....,.,......,.,..........................,.,.,........,..............,........

1.c.(1 )

1.c.(2)

2.a.
2.b,
2.c.(1 )

2,c,(2)

3.a,
3.b,
3,c.(1 )

3.c,(2)

4.a.
4.b.

c. Open-end loans extended under lines of credit:

(1) Total commitment under the lines of credit ............................................................................
(2) Principal amount funded under the lines of credit ..................................................................
the quarlerfrom 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

4,c,(1 )

4.c.(2)

5. Noninterest income for

5.a.
5.b.

quarler.
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) Pnncipal amount funded under the lines of credit.................................................................

ioia)
1 The $1 billon asset size test is generally based on the total assets reported on the June 30, ~ Report of Condition.
2 Exdude originations and purchases of 1-4 family residential mortgage loans that are held for investment.

6.a.
6.b.
6.c.(1 )

6.c.(2)

G478

1773

recurring basis (sum of items 8 through 13)........ G531

12. Subordinated notes and debentures................... G526
13. All other liabilities .......... ................ ..... ................. G8D5
liabilities measured at fair value on a
14, Total

a. Derivative liabilities......................................... 3547
b. Other trading liabilities.................................... G516
11. Other borrowed money....... ............. ..... .............. G521

9. Federal funds purchased and securities sold
under agreements to repurchase
10. Trading liabilities:

8. Deposits

LIABILITIES

. IG5D2

. I F24D

with changes in fair value reported in
current earnings (included in
Schedule RC-Q, item 5.b above) .............
6. All other assets...... ...... .............................. .......... G391
7. Total assets measured at fair value on a
recurring basis (sum of items 1 through
5.b plus item 6)....................................................

(1) Nontrading securities at fair value

b. Other trading assets

a, Derivative assets

5, Trading assets:

under agreements to resell .................................
3. Loans and leases held for sale........................... G483
4. Loans and leases held for investment............... G488

2. Federal funds sold and securities purchased

1. Available-for-sale securities

ASSETS

Dollar Amounts in Thousands I RCFD I

Reported on
Schedule RC

Total Fair Value

(Column A)

ofTotal Fair Value

(Column B)
LESS: Amounts Netted
in the Determination

(b) Are required to complete Schedule RC-D, Trading Assets and Liabilities.

earnings, or

Mil I Thou

Measurements

Level 1 Fair Value

(Column C)

2 Fair Value

(Column D)

Measurements

Level

Measurements

Level 3 Fair Value

(Column E)

(1) Had total assets of $500 milion or more as of the beginning of their fiscal year; or
(2) Had total assests of less than $500 millon 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

Schedule RC-Q is to be completed by banks that:

Schedule RC-Q-Assets and Liabilities Measured at Fair Value on a Recurring Basis

14.

12,
13.

11.

10,a.
10.b.

9,

8,

7.

6.

5.b.(1)

5.a,
5.b.

4.

3,

2.

1.

~

Page RC-35

FFIEC 031

(ColumnA)
Total Fair Value
Reported on
Schedule RC

G556

f TEXT

e. G581

.~

TEXT

d, Ii¡

c. G571

TEXT

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

e. G556
G561
f. TEXT

G561

G551

d, G551

TEXT

G546

TEXT

b, ding derivative assets
TEXT
c. G54

G541

a. Mortgage servicing assets...... ............. ........... G536

25% of item 6):

that are greater than $25,000 and exceed

1. All other assets (itemize and describe
amounts included in Schedule RC-Q, item 6,

Memoranda

Dollar Amounts in Thousands

Schedule RC-Q-Continued

G537
G542
G547
G552
G557
G562

ofTotal Fair Value

(Column B)
LESS: Amounts Netted
in the Determination
1 Fair Value

(Column C)

G538
G543
G548
G553
G558
G563

Measurements

Level

2 Fair Value

(Column D)

G549
G554
G559
G564

G54

G539

Measurements

Level

(Column E)
3 Fair Value

G540
G545
G550
G555
G560
G565

Measurements

Level

M.2,f.

M.2.a,
M.2.b.
M.2.c.
M.2.d.
M,2.e,

M.1,f.

M.1.a.
M.1.b.
M.1,c.
M.1.d.
M,1.e,

~

Page RC.36

FFIEC 031

FFIEC 031

Page RC-37

~

Schedule RC-R-Regulatory Capital
Dollar Amounts in Thousands RCFD
Tier 1 capital

1.

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) ,.,',..,.".....,...,............,...".,."....,..... .....,........."..........."..,..........,...,.....,.,...,.........,.......,............. A221
4. LESS: Accumulated net gains (losses) on cash flow hedges1 (if a gain, report as a positive value;

2.
3.

4.
5.
6.

if a loss, report as a negative value) ................................................"..................."................"......... 4336
5. LESS: Nonqualifying perpetual preferred stock ................................"."............".............................. B588
6. Qualifying noncontrollng (minority) interests in consolidated subsidiaries ........................................ B589
"......."....................... B590
7. a. LESS: Disallowed goodwil and other disallowed intangible assets .........."

7.a,

liabilties accounted for under a fair value
option that is included in retained earnings and is attributable to changes in the bank's own
creditworthiness (if a net gain, report as a positive value; if a net loss, report as a negative

b. LESS: Cumulative change in fair value of all financial

7.b.

value)...,..................,."..,...,..,..................,.................,..,....,.............,.................................,.,.......... F264

8.

8. Subtotal (sum of items 1 and 6, less items 2,3,4,5, 7.a, and 7.b) ................"..............................." C227
9. a. LESS: Disallowed servicing assets and purchased credit card relationships......."....................... B591

9.a.
9.b.

b. LESS: Disallowed deferred tax assets.................................................................................."....... 5610

10,

10. Other additions to (deductions from) Tier 1 capital ...............".....................................................".... 8592
11.Tier 1 capital (sum of items 8 and 10, less items 9.a and 9.b) .........".."............................................. 8274

11,

Tier 2 capital
12. Qualifying subordinated debt and redeemable preferred stock ......"...................".................."....... 5306
13. Cumulative perpetual preferred stock includible in Tier 2 capital......."................""......................... B593
14. Allowance for loan and lease losses includible in Tier 2 capitaL...................................................... 5310
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)............................."................................................

12.
13.
14.
15.
16.
17.
18.

2221
B594
5311

8275

19. Tier 3 capital allocated for market risk ......................."...................................................................... 1395

19.

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

20.
21.

Total assets for leverage ratio Tril Bil Mil Thou
22, Average total assets (from Schedule RC-K, item 9) ................................................................ 22.

23. LESS: Disallowed goodwil and other disallowed intangible assets (from item 7.a above) ..... 23.
24. LESS: Disallowed servicing assets and purchased credit card relationships (from

item 9.a above) .,.,.,...............".,......."........,......,.,..........,.........".............,............,..,'"..........,., B591 24.
25. LESS: Disallowed deferred tax assets (from item 9.b above)............".................................... 5610 25.

26. LESS: Other deductions from assets for leverage capital purposes."..................................... B596 26.
27. Average total assets for leverage capital purposes (item 22

less items 23 through 26) ."....... A224 27.

Adjustments for financial subsidiaries

RCFD

28. a. Adjustment to Tier 1 capital reported in item 11 ........................................................................... C228

b. Adjustment to total risk-based capital reported in item 21.........".................................................. B503
29. Adjustment to risk-weighted assets reported in item 62.................................................................... B504
30. Adjustment to average total assets reported in item 27..................................................................... B505

1 Report amount included in Schedule RC, item 26.b, "Accumulated other comprehensive income."

Bil

Mil

Thou

28.a.
28.b.
29.
30,

FFIEC 031

Page RC-38

~

Schedule RC-R-Regulatory Capital
Capital ratios
(Column B is to be completed by all banks. Column A is to be completed by
banks with financial subsidiaries.)

(Column B)

(ColumnA)
RCFD

31. Tier 1
leverage rati01......"...."""""....."...........".."""....,,......,,"",,............. 7273
32. Tier 1 risk-based capital rati02".""""..".............."......""..".........",,........... 7274
33. Total risk-based capital ratio3........"""........................."",,...........,,",,........ 7275

- _.- - - -,- - -.- - - -.- Percentage

RCFD

Percentage

7204
7206
7205

1 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).
2 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).
3 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.

Risk-Weighting

(Column B)
Items Not
Subject to

, Includes premises and fixed assets, other real estate owned. investments in unconsolidated subsidiaries and associated companies, direct and indirect investments in real estate ventures,
intangible assets, and other assets.

43. Total assets (sum of items 34 through 42)

42. All other assets1

41, Trading assets..........................................................

40, LESS: Allowance for loan and lease losses

39. Loans and leases, net of unearned income

38. Loans and leases held for sale ................................

agreements to resell......,........,..........,....,........,......,.

37. Federal funds sold and securities purchased under

36. Available-for-sale securities

35, Held-to-maturity securities

34. Cash and balances due from depository institutions
(Column A equals the sum of Schedule RC,
items 1.a and 1.b)

Balance Sheet Asset Categories

Dollar Amounts in Thousands

Totals
(from
Schedule RC)

(Column A)

43.

42.

41.

40.

39,

38.

37.

36,

35.

34.

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).

Schedule RC-R-Continued

FFIEC 031

~

Page RC-39

Amount

or Notional

Face Value

(Column A)

Credit
Conversion
Factor
Amount1

Credit
Equivalent

(Column B)

0%

an institution-specific factor. For other financial standby letters of credit, use a credit conversion factor of 1.00. See instructions for further information.
3 Or institution-specific factor.

1 Column A multiplied by credit conversion factor.
2 For financial standby letters of credit to which the low-level exposure rule applies, use a credit conversion factor of 12.5 or

54, Derivative contracts......... .....................

52, All other off-balance sheet
liabilities....,.....,...... ....... ....,......,. ...........
53. Unused commitments:
a. With an original maturity
exceeding one year.. ......................
b, With an onginal maturity of one
year or less to asset-backed
commercial paper conduits

recourse

obligations sold with recourse
50. Recourse and direct credit substitutes
(other than financial standby letters of
credit) subject to the low-level exposur'
rule and residual interests subject to a
dollar-for-dollar capital requirement .....
51. All other financial assets sold with

49. Retained recourse on small business

48. Securities lent..................... .................

acceptances acquired by the
reporting institution.....,....,..,...,....,.......,

credit
46. Commercial and similar letters of
credit
47. Risk participations in bankers

45. Performance standby letters of

Derivatives and Off-Balance Sheet Items
44. Financial standby letters of credit........

Dollar Amounts in Thousands

Schedule RC-R-Continued

20%

50%

100%

FFIEC 031

54.

53.b.

53,a.

52,

51.

50.

49.

48.

47.

46.

45.

44.

~

Page RC-40

Dollar Amounts in Thousands

Dollar Amounts in Thousands

1. Current credit exposure across all derivative contracts covered by the risk-based capital standards.".....".................."...."................................

Memoranda

62. Total risk-weighted assets (item 59 minus items 60 and 61

61, LESS: Allocated transfer risk reserve.....".""""..."..........".."..............".........""...........,,....."....

60, LESS: Excess allowance for loan and lease losses.........""...............................""........"".".....

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)

item 56)

56. Risk-weight factor,...,........,....,............,........,..........,........,....,................,...,......,.........,............,...
57. Risk-weighted assets by risk weight category (for each column, item 55 multiplied by

(for each column, sum of items 43 through 54)......"...."..".....................".................."............"

55. Total assets, derivatives, and off-balance sheet items by risk-weight category

Totals

Schedule RC-R-Continued

M.1

62,

61.

60.

59.

58.

57.

55,
56.

~

FFIEC 031
Page RC-41

Dollar Amounts in Thousands

A001

AOOO

8774
8777

8771

8766
8769
8772
8775
8778

3809
3812

8767
8770
8773
8776
8779
A002

(Column C)

Over five years

(Column A)

One year or less

1 Exdude foreign exchange contracts with an original maturity of 14 days or less and all futures contracts.

(2) Subinvestment grade

(1) Investment grade

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:

g, Credit derivative contracts:

f. Equity derivative contracts

e, Other commodity contracts ..,.,............................,...,.,.....,......................,...".......

d. Other precious metals contracts,...,....,....,...,....,..................................................

c. Gold contracts

b. Foreign exchange contracts

a, Interest rate contracts.,.......................................,......,....,.........................,..........

2, Notional principal amounts of derivative contracts:1

Memoranda-Continued

Schedule RC-R-Continued

FFIEC 031

M,2.g.(1)
M,2.g.(2)

M.2.f.

M.2.a.
M.2.b,
M,2.c
M.2,d.
M.2.e,

~

Page RC-42

I

I

I

I

I

I

I

RIAD 8748

I

i

I

I

I

I

I

I

I

I

I

I

RIAD 8749

I

I

I

I

I

I

I

I

i

I

I

I

I

I

I

I

I

I

I

I

I

I

I

I

I

i

I

I

I

I

I

I

I

I

I

I

I

I

I

I

I

I

I

I

I

I

I

I

I

I

I

I

I

I

I

I

i

i

I

I

I

I

I

I

3.

2.c.

2.b,

2.a.

1.

b. Recoveries ........"............................

(calendar year-to-date):
a. Charge-offs........,..............,...,....,,',..

sold and securitized with servicing
retained or with recourse or other
seller-provided credit enhancements

5. Charge-offs and recoveries on assets

I

1

1

I

1

I

RIAD 8755

I

RIAD 8754

I

I

1

1

RIAD 8756

I

1

1

RIAD 8757

i

I

RIAD 8758

I

I

RIAD 8759

I

I

RIAD 8760

5.b,

5.a.

4.b.

I

I

I

I

b. 90 days or more past due...............,

RIAD 8747

I

I

I

I

Loans

and Industrial

4.a.

I

I

I

I

Loans

Other
Consumer
Loans

Auto

Credit
Card

Home
Equity
Lines

. Receivables

(Column G)

All Other Loans,
All Leases, and
All Other Assets

(Column F)

Commercial

(Column E)

(Column D)

(Column C)

(Column B)

~

a, 3ü-9 days past due ................ .......

4. Past due loan amounts included in
item 1:

reported in item 1 ........"..........."....

c. Standby letters of credit and
other enhancements.,..,.........,......".
3. Reporting bank's unused commitments to provide liquidity to structures

b. Subordinated securities and other
residual interests ...".."."..""..........,

(included in Schedules RC-B or
RC-F or in Schedule RC, item 5)"...

or with recourse or other sellerprovided credit enhancements ............. I
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

reporting bank with servicing retained

1. Outstanding principal balance of
assets sold and securitized by the

Bank Securitization Activities

Dollar Amounts in Thousands

i

Residential
Loans

1-4 Family

(ColumnA)

Schedule RC-S-Servicing, Securitization, and Asset Sale Activities

FFIEC 031

Page RC-43

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

Institutions

For Securitization Facilties Sponsored
By or Otherwise Established By Other

b. Recoveries

amounts included in interests reported
in item 6.a (calendar year-to-date):
a. Charge-offs............,......,..........,.......

8. Charge-offs and recoveries on loan

b. 90 days or more past due................

a. 30-9 days past due

b. Loans (included in
Schedule RC-C)
7. Past due loan amounts included in
interests reported in item 6.a:

item 5)

Schedule RC-B or in Schedule RC,

a. Securities (included in

interests carried as:

6. Amount of ownership (or seller's)

Dollar Amounts in Thousands

Schedule RC-S-Continued
Residential
Loans

1-4 Family

(Column A)

Loans
Loans

and Industrial

Other
Consumer
Loans

Auto

Credit
Card

Home
Equity
Lines

Receivables

(Column G)

All Other Loans,
All Leases, and
All Other Assets

(Column F)

Commercial

(Column E)

(Column D)

(Column C)

(Column B)

FFIEC 031

10.

9.

8,b,

8.a.

7.b.

7,a,

6.b.

6.a,

~

Page RC-44

Residential
Loans

1-4 Family

(ColumnA)

Loans

Dollar Amounts in Thousands

Loans

M,3.b.(1)
M,3.b.(2)
MA.

M.3,a.(1)
M.3.a,(2)

M.2.d,

M.2.a.
M.2,b.
M.2.c.

M.1,a.
M,1.b.

12,

11,

~

date or (2) are credit card specialty banks as defined for Uniform Bank Performance Report purposes.

1 Memorandum item 2.c is to be completed if the principal balance of other financial assets serviced for others is more than $10 millon.
2 Memorandum item 4 is to be completed by banks that (1) together with affliated institutions, have outstanding credit card receivables (as defined in the instructions) that exceed $500 million as of the report

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

(2) Conduits sponsored by other unrelated institutions............"..."....,....,..."...,....,.......,........".,.,..,.,.............,.,.,'".,.............,....,...................,.

(1) Conduits sponsored by the bank, a bank affilate, or the bank's holding company

credit, subordinated securities, and other enhancements:

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

d. 1-4 family residential mortgages serviced for others that are in process of foreclosure at quarter-end (includes closed-end

B808
B809
C407

and Industrial

Other
Consumer
Loans

Auto

Credit
Card

Home
Equity
Lines

Receivables

(Column G)

All Other Loans,
All Leases, and
All Other Assets

(Column F)

Commercial

(Column E)

(Column D)

(Column C)

(Column B)

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

Memoranda

12. Maximum amount of credit exposure
arising from recourse or other sellerprovided credit enhancements provided to assets reported in item 11 ...".

bank

11. Assets sold with recourse or other
seller-provided credit enhancements
and not securitized by the reporting

Bank Asset Sales

Dollar Amounts in Thousands

Schedule RC-S-Continued

FFIEC 031

Page RC-45

FFIEC 031

Page RC-46

~

Schedule RC- T -Fiduciary and Related Services

1. Does the institution have fiduciary powers? (If "NO," do not complete Schedule RC-T.)...............I :~:~I Yes l/iJ No I

1.

2, Does the institution exercise the fiduciary powers it has been granted? ......................................1 :~:~I Yes !;':E.rJ No I 2,
3, ~:~t~et~~:t:~~~~U~:;~I:~~~~,u~~a~~~~~:~:~e~~:V:Zs~i:/~~~~~:I~f~~~;.;~,~~,~~~~.~.~,~~~.~~.... :~:~I Yes f\.,il No I 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 10, sum of columns A and B) greater than $250 millon (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 22.a¡irterly, -aV\oi Ml!''or''''J.... i'¡~", 3
. Items 23 through 26 annually with the December report, and

. Memorandum items 11 lhf6t:~h 4 annually with the December report,
2, a"a.

Institutions with total fiduciary assets (item 10, sum of columns A and B) greater than $100 millon but less than or equal to
$250 milion (as of the preceding December 31) that do not meet the fiduciary income test for quarterly reporting must complete:
. Items 4 through 26 annually with the December report, and

. Memorandum items 1 through 4 annually with the December report,
Institutions with total fiduciary assets (item 10, sum of columns A and B) of $100 millon or less (as of the preceding December 31)
that do not meet the fiduciary income test for quarterly reporting must complete:
. Items 4 through 13 annually with the December report, and

. Memorandum items 1 through 3 annually with the December report,
(Column B)

(ColumnA)
Managed

Non-Managed

Assets

Assets

(Column D)
Number

of

Non-Managed
Accounts

Dollar Amounts in Thousands Tril

FIDUCIARY AND RELATED ASSETS

4.

4. Personal trust and agency accounts .......
5. Employee benefi and retirement-

related trust and agency accounts:
a. Employee benefi-defined

5.a.

contribution..............................,..........
b. Employee benefi-defined

RCFD6878

RCFD 6879

RCFD 682

RCFD 6883

RCFDC001

RCFDCOO2

RCFD 6888

RCFD J254

RCFD J257

RCFDJ258

RCFD6892

RCFD 6893

RCFD 6896

RCFD 6897

5.b.

benefit. ...,..... ...,.., ,....., ........,.,.,.,.,.,. ,....

c. Other employee benefit and

retirement-related accounts...........,.,.,

6. Corporate trust and agency accounts .....
7. Investment management and

5.C.

6,
7.

investment advisory agency accounts ....

8. Foundation and endowment trust and

8.

agency accounts. ......... ...........................

9. Other fiduciary accounts .........................
10. Total fiduciary accounts (sum of

9.

10.

items 4 through 9) .............. .....................
RCFD 6899

11, Custody and safekeeping accounts ........

11.

FFIEC 031

Page RC47

~

Schedule RC- T -Continued
(Column A)

(Column B)

Managed
Assets

Non-Managed

Number of

Assets

Non-Managed
Accounts

(Column D)

Dollar Amounts in Thousands Tril
RCFN 6903

12. Fiduciary accounts held in foreign

offices (included in items 10 and 11) .......

12.

13. Individual Retirement Accounts,
Health Savings Accounts, and
other similar accounts (included in
items 5,c and 11).....................................

13,

FIDUCIARY AND RELATED SERVICES INCOME
14. Personal trust and agency accounts.......,.,.,.".,....,......,...........................,...........,...,..,.....,............ B904

14.

15. Employee benefi and retirement-related trust and agency accounts:
a, Employee benefit-defined contribution..........,.............,....................,............,...,......,............., B905
b. Employee benefit-defined benefit .....,....,...........,.,........,',.....,..,...................,.,......,.......,.,.,.,... B906

15.a.
15,b,
15.c,

c. Other employee benefi and retirement-related accounts ................ ................ ......................... B907
16. Corporate trust and agency accounts ............................................................................................ A479

16,
17.
18.
19.

17. Investment management and investment advisory agency accounts............................................ J315
18. Foundation and endowment trust and agency accounts ............................................................... J316
19. Other
fiduciary accounts .....................................,............,...,.......................................,................. A480
20. Custody and safekeeping accounts ............................................................................................... B909
21. Other fiduciary and related services income .................................................................................. B910
22. Total gross fiduciary and related services income (sum of items 14 through 21) (must equal

20.
21.
22,

Schedule RI, item 5.a)....................,.,........,.,.,.............,..........,............................".,.,.,........,.,........ 4070
a. Fiduciary and related services income-foreign offces

22,a.

(included in item 22)....................,........,...,.....,..........,.,.,.................... B912
23. Less: Expenses......,................,...,...,.,........,.,.,.....,.....,......,.,.,.,.........,............,........,.........,..,......... C058
24. Less: Net losses from fiduciary and related services..................................................................... A488
25. Plus: Intracompany income credits for fiduciary and related services ........................................... B911
26. Net fiduciary and related services income ..................................................................................... A491
(Column A)
Personal Trust and
Agency

Management Agency

Accounts
Dollar Amounts in Thousands

RCFD

,:....
1. Managed assets held in fiduciary accounts:
a. Noninterest-bearing deposits ....................... J263
b. Interest-bearing deposits.............................. J266
c. U.S. Treasury and U.S. Govemment

Bil

:"'::,"&:

',')j":/:

~(X:

Other short-term obligations......................... J287 I

(Column C)

Employee

All Other Accounts

Retirement-Related
Trust and Agency
Accounts

Mil Thou RCFD
;:ds'E,

Bil

Mil

:C!.

:,j,e'

dXi\i:+¡~

J270
J273
J276
J279
J282

:¡ ¡~iJBii

Mil
;,~:~

Thou

jd

J265

J264
J267

J269
agency
obligations.................,......,.....,.,.......
d. State, county, and municipal obligations ...... J272
e, Money market mutual funds......................... J275
f. Equity mutual funds...................................... J278
g. Other mutual funds....................................... J281
.
"':,:.:d3.ilJ
h. Common trust funds and collective
J284
investment funds............. .............................
i.

(Column B)
Benefit and

and

Investment
Memoranda

23.
24,
25.
26.

.::~;¡t:

~~

M,1.a.
M.1.b.

~

, x",

J271

M.1.c.
M.1.d.
M,1.e.
M.1.f.
M.1.g,

J274
J277
J280
J283

'0~.:i,:

:",. t

J285
J288

J286
J289

M.1.h.
M.1.i,

FFIEC 031

Page RC-48

~

Schedule RC-T -Continued
(ColumnA)

(Column B)

(Column C)

Personal Trust and

Employee

All Other Accounts

and
Investment

Retirement-Related

Management Agency

Trust and Agency

Accounts

Accounts

Benefit and

Agency

Memoranda
Dollar Amounts in Thousands RCFD

Mil Thou

1. j. Other notes and bonds................................. J290
k. Investments in unregistered funds and
private equity investments............................ J293
i. Other common and preferred stocks............ J296
m, Real estate mortgages ................................. J299
n, Real estate ................ ................................... J302

o. Miscellaneous assets ................................... J305

M.1,j.

J294
J297
J300
J303
J306

J295
J298

M.1.k.

J301

M,1.m.
M.1.n.
M.1,0.

M,1.1.

J304
J307

p. Total managed assets held in fiduciary
accounts (for each column, sum of
M,1.p,

Memorandum items 1.a through 1.0) ........... J308
(Column A)
Managed Assets

(Column B)
Number of

Managed Accounts
Dollar Amounts in Thousands RCFD

RCFD

1. q. Investments of managed fiduciary accounts in advised or
M.1.q.

sponsored mutual funds,.,.,................,......................,..,...,....."..,.,...,. J311
(Column B)

Principal Amount
Outstanding
Dollar Amounts in Thousands

2. Corporate trust and agency accounts:
M.2,a.

a. Corporate and municipal trusteeships...................................,..........................

M.2.a.(1)

(1) Issues reported in Memorandum item 2,a that are in default...................

M.2.b.

b. Transfer agent, registrar, paying agent, and other corporate agency..............
(ColumnA)

(Column B)

Number of

Market Value of

Funds

Fund

Assets

Dollar Amounts in Thousands

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

B931

8933
B935
B937
B939
B941

g, Specialty/Other........"...,..."....,.,.,..........,.,...... ................,.,.".......".,....,.,..... 8943
h. Total collective investment funds (sum of Memorandum items 3,a
through 3.g)..".,..,........,....,.,..........................,.............,......,..,.,................... B945

B932
B934
B936
B938
B940
B942

M.3.a.
M,3.b.
M.3.c,
M.3.d.
M.3.e.

B94

M.3.f.
M.3.g.

B946

M.3.h.

FFIEC 031

Page RC-49

~

Schedule RC- T -Continued
(Column A)

(Column B)

(Column C)

Gross Losses
Managed
Accounts

Gross Losses

Recoveries

Non-Managed
Accounts

Dollar Amounts in Thousands
4. Fiduciary settlements, surcharges, and other losses:

MA,a.

a, Personal trust and agency accounts ........................................

b. Employee benefit and retirement-related trust and agency
accounts..............,....,......,..............,.....,.,.... ...........................,.
c. Investment management and investment advisory 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

MA.b.

Schedule RC- T, item 24) .. ..................... ........... ........................

M.4,e.

M.4,c.
M.4.d.

Person to whom questions about Schedule RC-T -Fiduciary and Related Services should be directed:

Name and Title (TEXT 8962)

E-mail Address (TEXT 8926)

Telephone: Area coe/phone number/extension (TXT 896)

FAX: Area code/phone number (TEXT 896)

Schedule RC-V - Variable Interest Entities (FFIEC 031)

(Column A)
Dollar Amounts in Thousands Securitization Vehicles

(Column B)

1. Assets of consolidated variable ........i:

b. Held-to-maturity securities... xx
c. Available-for-sale securities xx
d. Securities purchased under ',¡: i" i".'.
agreements to resell ............ XX

e. Loans and leases held for I::..,) i:,:.'
sale ...................................... xx

RCFD

h, Trading assets (other than": ..... . ....
derivatives) .. ....... ........... ...... xx
i. Derivative trading assets ..... xx

j. Other real estate owned ...... xx

k. Other assets ........................ xx

2. Liabilities of consolidated VIEs II

Bil

xx
xx
xx

XX
.

XX

f. Loans and leases, net of 1¡¡11~nr:'¡;;.'; i..,

unearned income ................. xx
g. Less: Allowance for loan:'
and lease losses .................. xx

.'

XX
.,'.'

XX
.. -

XX

xx
xx
xx

: , :/.1,(
,.' 'i' "..", ,i,:':: "
Mil Thou RCFD Bil Mil Thou
xx
xx
xx
-.' i,: ¡ , ¡ ',".u .' " '.
xx
I~. "
. '.
xx
'::.' i .;
xx
xx
xx

." '. ::" ", r" :...". , .'. : , .

.¡- ','. .'" ,U¡, .. c¡_' : '.: ":i'., h ."

'.

'. . d ¡ C, ,,";: /..¡:.:.\~

'. ::,,':: : ..

recourse to the general credit of., ii!-"

the reporting bank' :....:d;d

'. '. .. ,'.. ..' ,':
.'. ...,"
'''J:. '.'"

. .,:,.": :':. ' ':'," , .: d

a. Securities sold under :: if

b. Derivative trading liabilities.. xx
c. Commercial paper ............... xx

..' '.

xx
xx

XX
XX
XX

XX

XX

XX

d. Other borrowed money..:' .............. .,...'..::
(exclude commercial paper) xx

e. Other liabilities ..................... xx

.i,'"

XX
XX
XX

for which creditors do not have

agreements to repurchase ... xx

'.:":VIEs

I

be used only to settle obligations;; ............
of the consolidated VIEs: '.:
from depository institutions.. xx

Other

..,,:' .

interest entities (VIEs)that can if:'

a. Cash and balances due RCFD Bil Mil Thou

(Column C)

ABCP Conduits

xx

-:

.

xx 1

3. All other assets of consolidated

VIEs (not included in items 1.a.

through 1.k above) ...................... xx

.

.

XX

XX I

XX

XX I

4. All other liabilities of
consolidated VIEs (not included

in items 2.8 through 2.e above).. xx

FFIEC 031

Page RC-50

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, However, the information
reported in Schedule RI-E, item 2.g, and Schedule RC-F, item 6.f,
is regarded as confidential and will not be released to the public.
BANKS CHOOSING TO SUBMIT THE NARRATIVE STATEMENT
SHOULD ENSURE THAT THE STATEMENT DOES NOT CONTAIN THE NAMES OR OTHER IDENTIFICATIONS OF INDIVIDUAL BANK CUSTOMERS, REFERENCES TO THE AMOUNTS
REPORTED IN THE CONFIDENTIAL ITEMS IDENTIFIED ABOVE,
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

BANK MANAGEMENT STATEMENT (please type or print clearly):
(TXT 6980)

§J

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,
If, subsequent to the original submission, material changes are
submitted for the data reported in the Reports of Condition and

Income, the existing narrative statement wil be deleted from the
files, and from disclosure; the bank, at its option, may replace it with
a statement 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.