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pdfBoard of Governors of the Federal Reserve System
OMB Number: 7100-0036
Federal Deposit Insurance Corporation
OMB Number: 3064-0052
Offce of the Comptroller of the Currency
OMB Number: 1557-0081
Federal Financial
Institutions Examination Council
Expires September 30.2013
~
Please refer to page i,
Table of Contents, for
the required disclosure
CD
of estimated burden.
Consolidated Reports of Condition and Income for
A Bank With Domestic Offices Only-FFIEC 041
Report at the close of business December 31, 2818
(20101231) (2.1:10" 31)
(RCON999)
t\~r,ln 3/, 2 ií l
This report is required by law: 12 U.S.C. §324 (State member banks);
12 U.S.C. §1817 (State nonmember banks); and 12 U.S.C. §161
(National banks).
NOTE: Each bank's board of directors and senior management are
responsible for establishing and maintaining an effective system
of internal control, including controls over the Reports of Condition
and Income. The Reports of Condition and Income are to be prepared in accordance with Federal regulatory authority instructions.
The Reports of Condition and Income must be signed by the Chief
Financial Officer (CFO) of the reporting bank (or by the individual performing an equivalent function) and attested to by not less than two
directors (trustees) for State nonmember banks and three directors
for State member and National banks.
I. the undersigned CFO (or equivalent) of the named bank, attest that
the Reports of Condition and Income (including the supporting sched-
ules) for this report date have been prepared in conformance with
the instructions issued by the appropriate Federal regulatory authority
and are true and correct to the best of my knowledge and belief.
This report form is to be filed by banks with domestic offces only.
Banks with foreign offces (as defined in the instructions) must fie
FFIEC 031.
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)
Director (Trustee)
Director (Trustee)
Signature of Chief Financial Ofcer (or Equivalent)
Date of Signature
Submission of Reports
Each bank must fie 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 Intemet-based system for data collection
(http://cdr.ffec.gov/cdr/), or
(b) Completing its Call Report in paper form and arranging with a
softare vendor or another party to convert the data into the elec-
tronic format that can be processed by the CDR. The softare
vendor or other party then must electronically submit the bank's
data fie to the CDR.
To fulfil the signature and attestation requirement for the Reports
of Condition and Income for this report date, attach your bank's
completed signature page (or a photocopy or a computer-
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 fie 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.
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 CDR.Help~ffec.gov.
Legal Title of Bank (RSSD 9(17)
City (RSSD 9130)
FDIC Certificate Number
iIii
State Abbrev. (RSSD 9200)
ZiP Code (RSS09220)
(RSSD9001
Board of Govemors of the Federal Reserve System, Federal Deposit Insuranæ Corporation, Offæ of the Comptroller of the Currency
FFIEC 041
Page i
o
Consolidated Reports of Condition and Income for
A Bank With Domestic Offices Only
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
Schedule RC-C-Loans and Lease Financing
Receivables:
Part i. Loans and Leases ................. RC-8, 9, 10, 11, 12
Part 11. 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
Loans and Leases and Changes in Allowance
for Loan and Lease Losses..............................RI-5, 6, 7
Schedule RC-E-Deposit Liabilities................... RC-18, 19
Schedule RI-E-Explanations .................................RI- 8,9
Schedule RC-F-Other Assets................................. RC-20
Schedule RC-G-Dther Liabilities ............................ RC-20
Report of Condition
Schedule RC-Balance Sheet ............................... RC-1, 2
Schedule RC-A-Cash and Balances Due
From Depository Institutions
(to be completed only by selected banks).............. RC-3
Schedule RC-B-Securities ....................... RC-3, 4, 5, 6, 7
Schedule RC-K-Quarterly Averages ...................... RC-21
Schedule RC-L-Derivatives and
Off-Balance Sheet Items .................... RC-22, 23, 24, 25
Schedule RC-M-Memoranda .. ....... .................. RC-26, 27
Schedule RC-N-Past Due and Nonaccrual
Loans, Leases, and Other Assets ...... RC-28, 29, 30, 31
Schedule RC-Q-Other Data for Deposit
, 32
Insurance and FICO Assessments................. RC-31
Schedule RC-P-1-4 Family Residential
Disclosure of Estimated Burden
The estimated average burden associated with this information collection is
'ii..~ #4 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:
Secretary
Board of Governors of the Federal Reserve System
Washington. D.C. 20551
Mortgage Banking Activities (to be completed
only by selected banks)........................................ RC-33
Schedule RC-Q-Assets and Liabilities
Measured at Fair Value on a Recurring
Basis (to be completed only by
selected banks) .............................................. RC-34, 35
Schedule RC-R-Regulatory Capital.... RC-36, 37, 38, 39,
40,41
Schedule RC-S-Servicing, Securitization,
and Asset Sale Activities .......................... RC-42, 43, 44
Schedule RC-T-Fiduciary and
Related Services ................................ RC-45, 46, 47, 48
Legislative and Regulatory Analysis Division
Offce of the Comptroller of the Currency
Washington. D.C. 20219
Assistant Executive Secretary
Federal Deposit Insurance Corporation
Washington. D.C. 20429
Optional Narrative Statement Concerning
the Amounts Reported in the Reports
of Condition and Income....................... ............... RC-49
5Gh((J.lÁl~ I\c-V- Vi:i'c.ble f"te,-tii EI'-hli~.s
For information or assistance, National and State nonmember banks should contact the FDIC's Data Collection and Analysis Section,
550 17th Street, NW, Washington, D.C. 20429, toll free on (800) 688-FDIC(3342), Monday through Friday between 8:00 a.m. and
5:00 p.m., Eastern time. State member banks should contact their Federal Reserve District Bank.
FFIEC 041
Pageii
Contact Information for the Reports of Condition and Income
o
To facilitate communication between the Agencies and the bank conærning the Reports of Condition and Income, please provide contact information for
(1) the Chief Financial Offcer (or equivalent) of the bank signing the reports for this quarter and (2) the person at the bank-other than the Chief Finan-
cial Ofær (or equivalentr- to whom questions about the reports should be directed. If the Chief Financial Offær (or equivalent) is the primary contact
for questions about the reports, please provide contact information for another person at the bank who will serve as a secondary contact for communications between the Agencies and the bank conærning the Report of Condition and Income. Enter "none" for the contact's e-mail address or fax number
if not available. Contact information for the Report of Condition and Income is for the confidential use of the Agencies and wil not be released to the
public.
Chief Financial Officer (or Equivalent) Signing the Reports
Other Person to Whom Questions about the Reports
Should be Directed
Name (TEXT C490)
Name (TXT C495)
Title (TEXT C491)
Title (TEXT C496)
E-mail Address (TEXT C492)
E-mail Address (TEXT 4086)
Telephone: Area code/phone number/extension (TEXT C493)
Telephone: Area code/phone number/extension (TEXT 89(2)
FAX: Area code/phone number (TEXTC494)
FAX: Area code/phone number (TXT 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 (TEXT C366)
Name (TEXTC371)
Title (TEXT C367)
Title (TEXT C372)
E-mail Address (TEXT C368)
E-mail Address (TXT C373)
Telephone: Area code/phone number/extension (TEXTC369)
Telephone: Area coe/phone number/extension (TEXT C374)
FAX: Area code/phone number (TEXT C370)
FAX: Area coe/phone number (TEXT C375)
FFIEC 041
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.
Sank personnel listed could be contacted by law enforæment offærs or the Financial Crimes Enforæment Network (FinCEN) for additional information
related to spedfic Section 314(a) search requests or other anti-terrorist finandng and anti-money laundering matters. Communications sent by FinCEN
to the bank for purposes other than Section 314(a) notifications will state the intended purpose and should be directed to the appropriate bank personnel for review. Any disclosure of customer records to law enforæment 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
This
contact information is for the confidential use of the Agencies, FinCEN, and law enforcement
if not available.
"none" for the contact's e-mail address
offærs and will not be released to the public.
Primary Contact
Secondary Contact
Name (TEXT C437)
Name (TEXT C442)
Title (TEXT C438)
Title (TEXT C443)
E-mail Address (TEXT C439)
E-mail Address (TXT C444)
Telephone: Area code/phone number/extension (TEXT C440)
Telephone: Area coe/phone number/extension (TEXT C44S)
Third Contact
Fourth Contact
Name (TEXT ca70)
Name (TEXT C87S)
Title (TEXT ca71)
Title (TEXT C876)
E-mail Address (TEXT C872)
E-mail Address (TEXT C877
Telephone: Area coe/phone number/extension (TXT C873)
Telephone: Area coe/phone number/extension (TEXT ca78)
FFIEC 041
Page RI-1
Consolidated Report of Income
for the period January 1, 2010 Deoember 31, 2010 toll - M~rc i, 31, 20 \ 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
Dollar Amounts in Thousands RIAD
1. Interest income:
a. Interest and fee income on loans:
(1) Loans secured by real estate:
(a) Loans secured by 1-4 family residential properties ........................................................
(b) All other loans secured by real estate .............................................................................
..............................
loans..............................................................
(2) Commercial and industrial
(3) 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) .......................................................... ................................ 8486
(4) Loans to foreign governments and offcial institutions ........................................................... 4056
(5) All other loans1....................................................................................................................... 4058
(6) Total interest and fee income on loans (sum of items 1.a.(1 lea) through 1.a.(5)) .................. 4010
b. Income from lease financing receivables ..................................................................................... 4065
c. Interest income on balances due from depository institutions2.................................................... 4115
d. Interest and dividend income on securities:
(1) U.S. Treasury securities and U.S. Government agency obligations (excluding
mortgage-backed securities)... ............. .............. ....... ....... ............ ....... ...................................
(2) Mortgage-backed securities...................................................................................................
(3) All other securities (includes securities issued by states and political subdivisions in the
U.S.)....................................................................................................................................... 4060
e. Interest income from trading assets ............................................................................................. 4069
f. Interest income on federal funds sold and securities purchased under agreements to resell ..... 4020
g. Other interest income................................................................................................................... 4518
h. Total interest income (sum of items 1.a.(6) through 1.g) .............................................................. 4107
1.a.(1 lea)
1.a.(1 )(b)
1.a.(2)
1.a.(3)(a)
1.a.(3)(b)
1.a.(4)
1.a.(5)
1.a.(6)
1.b.
1.c.
1.d.(1)
1.d.(2)
1.d.(3)
1.e.
1.f.
1.g.
1.h.
2. Interest expense:
a. Interest on deposits:
(1) Transaction accounts (NOW accounts, ATS accounts, and telephone and preauthorized
transfer accounts) ..................................................................................................................
(2) Nontransaction accounts:
(a) Savings deposits (includes MMDAs) ............................................................................. 0093
(b) Time deposits of $100,000 or more................................................................................. A517
(c) Time deposits of less than $100,000............................................................................... A518
b. Expense of federal funds purchased and securities sold under agreements to repurchase........ 4180
c. Interest on trading liabilities and other borrowed money.............................................................. 4185
2.a.(1 )
2.a.(2)(a)
2.a.(2)(b)
2.a.(2)(c)
2.b.
2.c.
1 Includes interest and fee income on "Loans to depository institutions and acæptanæs of other banks," "Loans to finanæ agricultural production and other
loans to farmers," "Obligations (other than securities and leases) of states and political subdivisions in the U.S.," and "Loans to nondepository financial
institutions and other loans."
2 Includes interest income on time ærtificates of deposit not held for trading.
FFIEC 041
Page RI-2
(I
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) ........................... 4073
3.
3. Net interest income (item 1.h minus 2.e) ....................................................
4. Provision for loan and lease losses.............................................................
4.
5. Noninterest income:
a. Income from fiduciary activities1............................................................. 4070
b. Service charges on deposit accounts..................................................... 4080
c. Trading revenue2.................................................................................... A220
d. (1) Fees and commissions from securities brokerage........................... C886
(2) Investment banking, advisory, and underwriting fees and
commissions.................................................................................... C888
(3) Fees and commissions from annuity sales ...................................... C887
(4) Underwriting income from insurance and reinsurance activities...... C386
(5) Income from other insurance activities ............................... ............. C387
e. Venture capital revenue.......................................................................... 8491
f. Net servicing fees................................................................................... B492
g. Net securitization income ....................................................................... 8493
5.a.
5.b.
5.c.
5.d.(1 )
5.d.(2)
5.d.(3)
5.d.(4)
5.d.(5)
5.e.
5.f.
5.g.
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)......... 8496
i. Other noninterest income*...................................................................... 8497
m. Total noninterest income (sum of items 5.a through 5.1).........................
5.m.
6.a.
6.b.
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 ............................................................. 4135
b. Expenses of premises and fixed assets (net of rental income)
7.a.
(excluding salaries and employee benefis and mortgage interest) ....... 4217
c. (1) Goodwil impairment losses ............................................................. C216
(2) Amortzation expense and impairment losses for other
intangible assets.............................................................................. C232
d. Other noninterest expense*.................................................................... 4092
e. Total noninterest expense (sum of items 7.a through 7.d) .....................
8. Income (loss) before income taxes and extraordinary items and other
adjustments (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e).............
9. Applicable income taxes (on item 8) ...........................................................
7.e.
8.
9.
10. Income (loss) before extraordinary items and other adjustments
(item 8 minus item 9)................ ...................................................................
11. Extraordinary items and other adjustments, net of income taxes* ..............
12. Net income (loss) attributable to bank and noncontrollng (minority)
interests (sum of items 10 and 11)..............................................................
13. LESS: Net income (loss) attributable to noncontrolling (minority)
interests (if net income, report as a positive value; if net loss, report
as a negative value) ...................................................................................
14. Net income (loss) attributable to bank (item 12 minus item 13) .................
. Describe on Schedule RI-E-Explanations
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 8, trading revenue reported in Schedule RI, item 5.c, must equal the sum of
Memorandum items 8.a through 8.e.
10.
11.
12.
13.
14.
FFIEC 041
PageRI-3
CD
Schedule RI-Continued
Memoranda
Year-to-date
Dollar Amounts in Thousands
1. Interest expense incurred to carry tax-exempt securities, loans, and leases acquired after
RIAD
Memorandum item 2 is to be completed by banks with $1 billion or more in total assets.
Thou
Mil
Bil
August 7, 1986, that is not deductible for federal income tax purposes ............ .............. .................. 4513
M.1.
I
1
..
2. Income from the sale and servicing of mutual funds and annuities (included in Schedule RI,
item 8) ................................................................................................................................................ 84311
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)..................................................................................................... 4313f
4. Income on tax-exempt securities issued by states and political subdivisions in the U.S.
(included in Schedule RI, item 1.d.(3))............................................................................................... 4507
S
I
M.2.
I
1
M.3.
1
1
MA.
Number
.......
5. Number of full-time equivalent employees at end of current period (round to nearest whole
1
M.5.
number).............................................................................................................................................. 4150
n';
Memorandum item 6 is to be completed by:1
. banks with $300 million or more in total assets, and
. banks with less than $300 milion in total assets that have loans to finance agricultural
production and other loans to farmers (Schedule RC-C, part i, item 3) exceeding
five percent of total
€)
Ile
~
-z
.:;
j..
",
.:~
"
~
..
loans.
6. Interest and fee income on loans to finance agricultural production and other loans to farmers
(included in Schedule RI, item 1.a.(5))............................................................................................... 4024
I RIAO CC
7. If the reporting bank has restated its balance sheet as a result of applying push down
accunting this calendar year, report the date of the bank's acquisition2 ................................ 19106
umot
.~...~
ing revenue (from cash instruments an
v:
-
MM
M.7.
RIAD
Thou
Mil
Bil
for any quarter of the preceding calendar y . .
8757
..............................................
a. Interest rate exposures...... .,............. ...... ................... ........
8758
....................
....................................................
b. Foreign exchange exposures......... .........
8759
es............................................................................................
c. Equity security and indev
M.8.a.
M.8.b.
M.8.c.
M.8.d.
--~
a-
~~osure;.':.'~~.~.~:.~~~~~~.::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::
DD
~-date
Memoran~~,' 8.a through 8.e must equal Schedule RI, item 5.c) (To be completed by
banks that reported averag", . assets (Schedule RC-K, item 7) of $2 million or more
-M.6.
yy
F186
'.'
9. Net gains (losses) recognized in earnings on credit derivatives that economically hedge
credit exposures held outside the trading account:
C889
a. Net gains (losses) on credit derivatives held for trading................................................................
C890
b. Net gains (losses) on credit derivatives held for purposes other than trading...............................
10. To be completed by banks with $300 million or more in total assets:1
A2511
Credit losses on derivatives see instructions)...................................................................................
I
-.'
1
1
I
M.9.a.
M.9.b.
M.10.
11. ~~~~;::;:~~~:gy~:~.~~~.~..~..~~~~~~~~~~.~.~~~~~~~.i.~..~.~.~.~~.~~~..~~.~.~.~~.I..i.~~~~.~~~.~~~:.~~~~....I:~':1 Yes I I No I 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 The asset size tests and the five percent of total
Yea r -to-date
RIAO 1 Bil T Mil I Thou
F228
I
I
loans test are generally based on the total assets and total loans reported on the
June 30, eport of n ition. 2 D1 0
2 For example, a ank acquired on March 1, ~ would report ílQHIQae1. 2111 (1'3 ø I,
1.0 \I J
I
M.12.
INSERT B - FFIEC 041 - 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 milion or more for any quarter of the preceding calendar year.
a. Interest rate exposures .....................................................................
b. Foreign exchange exposures ...........................................................
c. Equity security and index exposures .... ............ ................................
d. Commodity and other exposures .....................................................
e. Credit exposures .................. .............. ..............................................
Memorandum items 8" and 8.g are to be completed by banks with
1
$100 bilion 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 041
Page RI-4
o
Schedule RI-Continued
Memoranda-Continued
Dollar Amounts in Thousands
Memorandum item 13 is to be completed by banks that have elected to account for assets and
liabiliies under a fair value option.
13. Net gains (losses) recognized in earnings on assets and liabilities that are reported at fair
value under a fair value option:
a. Net gains (losses) on assets .........................................................................................................
(1) Estimated net gains (losses) on loans attributable to changes in instrument-specific
credit risk.................................................................................................................................
b. Net gains (losses) on liabilities ..................................... ............................ .....................................
(1) Estimated net gains (losses) on liabilities attributable to changes in instrument-specific
credit risk... ... .......... ...... ............. ........ ......................... ....... ........ ...... ................................... .....
M.13.a.
M.13.a.(1)
M.13.b.
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
and 6.b)(Memorandum item 14.a minus Memorandum item 14.b) .........................................
M.14.a.
M.14.b.
M.14.c.
FFIEC 041
Page RI-5
o
Schedule RI-A-Changes in Bank Equity Capital
'l010)
Indicate decreases and losses in parentheses. Dollar Amounts in Thousands RIAD Bil
1. Total bank equity capital most recently reported for tt:e December 3 , , Reports of Condition
and Income (i.e., after adjustments from amended Reports of Income)............................................ 3217
2. Cumulative effect of changes in accounting principles and corrections of material accounting
errors' ................................................................................................................................................
3. Balance end of previous calendar year as restated (sum of items 1 and 2) ......................................
4. Net income (loss) attributable to bank (must equal Schedule RI, item 14) ........................................
5. Sale, conversion, acquisition, or retirement of capital stock, net (excluding treasury stock
transactions)....................................................................................................................................... B509
6. Treasury stock transactions, net ............................,........................................................................... B510
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
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
Schedule RC, item 27.a)....................................................................................................................
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
'Describe on Schedule RI-E-Explanations.
1 Includes changes in net unrealized holding gains (losses) on available-for-sale securities, changes in accmulated net gains (losses) on cash
flow hedges, and pension and other postretirement plan-related changes other than net periodic benefit cost.
Schedule RI-B-Charge-offs and Recoveries on Loans and Leases
and Changes in Allowance for Loan and Lease Losses
Part I. Charge-offs and Recoveries on Loans and Leases
Part I includes charge-offs and recoveries through
the allocated transfer risk reserve.
Dollar Amounts in Thousands
1. Loans secured by real estate:
a. Construction, land development, and other land loans:
(1) 1-4 family residential construction loans ........ .................................. C891
land development and other land
loans ................................................................................................. C893
(2) Other construction loans and all
b. Secured by farmland................................................................................ 3584
c. Secured by 1-4 family residential properties:
(1) Revolving, open-end loans secured by 1-4 family residential
properties and extended under lines of credit.... ........ ............ .........
(2) Closed-end loans secured by 1-4 family residential properties:
(a) Secured by first liens .................................................................. C234
(b) Secured by junior liens ............................................................... C235
d. Secured by multifamily (5 or more) residential properties ....................... 3588
e. Secured by nonfarm nonresidential properties:
(1) Loans secured by owner-occupied nonfarm nonresidential
properties.............. ................................................................ ............ C895
(2) Loans secured by other nonfarm nonresidential properties.............. C897
2. Loans to depository institutions and acceptances of other banks................ 4481
1.a.(1 )
1.a.(2)
1.b.
1.c.(1)
1.c.(2)(a)
1.c.(2)(b)
1.d.
1.e.(1)
1.e.(2)
2.
3. Not applicable
4. Commercial and industrial
loans .................................................................. 4638
1 Include write-downs arising from transfers of loans to a held-for-sale accunt.
4.
FFIEC 041
Page RI-6
~
Schedule RI-B-Continued
Part I. Continued
(Column B)
Recoveries
Dollar Amounts in Thousands
5. Loans to individuals for household, family, and other personal
:~~r~:i~U:~~s ...... ....~~f.!.~.~~..~.':~.~.~.~.~~::.ÇÐ.................................... 8514
er In tudent loans,
s ..................................
6. Loans to foreign governments and offcial institutions ....................... .......... 4643
7. All other loans2............................................................................................. 4644
8. Lease financing receivables......................................................................... 4266
9. Total (sum of items 1 through 8)................................................................... 4635
4627
4628
4267
4605
1 Include write-downs arising from transfers of loans to a held-for-sale account.
2 Includes charge-offs and recoveries on "Loans to finance agricultural production and other loans to farmers," "Obligations (other than
securities and leases) of states and political subdivisions in the U.S.," and "Loans to nondepository financial institutions and other loans."
(Column B)
Recoveries
Memoranda
Dollar Amounts in Thousands
1. Loans to finance commercial real estate, construction, and land
development activities (not secured by real estate) included in
M.1.
Schedule RI-B, part I, items 4 and 7, above ......... ...... ........... ................. ..... 5409
2. Memorandum items 2.a through 2.d are to be completed by banks with
$300 million or more in total assets:2
a. Loans secured by real estate to non-U.S. addressees (domicile)
M.2.a.
(included in Schedule RI-B, part i, item 1, above)................................... 4652
b. Loans to and acceptances of foreign banks (included in Schedule
RI-B, part I, item 2, above) ...................................................................... 4654
loans to non-U.S. addressees (domicile)
c. Commercial and industrial
M.2.b.
M.2.c.
(included in Schedule RI-B, part I, item 4, above)................................... 4646
d. Leases to individuals for household, family, and other personal
M.2.d.
expenditures (included in Schedule RI-B, part I, item 8, above) ............. F185
3. Memorandum item 3 is to be completed by:2
. banks with $300 million or more in total assets, and
. banks with less than $300 million in total assets that have loans to
finance agricultural production and other loans to farmers
(Schedule RC-C, part i, item 3) exceeding five percent of total
loans: .
Loans to finance agricultural production and other loans to farmers
(included in Schedule RI-B, part i, item 7, above......................................... 4655
Memorandum item 4 is to be completed by banks that (1) together with affliated institutions, have
outstanding credit card receivables (as defined in the instructions) that exceed $500 million as of the
report date or (2) are credit card specialty banks as defined for Uniform Bank Performance Report
purposes.
M.3.
II
Calendar ~ear-to-date
RIAD I Bil Mil I Thou
4. Uncollectible retail credit card fees and finance charges reversed against income (i.e., not
included in charge-offs against the allowance for loan and lease losses) ........................................
C388
1 Include write-downs arising from transfers of loans to a held-for-sale account.
loans test are generally based on the total assets and total loans reported
2 The $300 million asset size test and the 5 percent of total
on the June 30. !e Report of Condition.
2.C( ~J
MA.
INSERT C - FFIEC 041 - SCHEDULE RI-B, PART I, ITEM 5
b. Automobile loans ................................................
c. Other consumer loans (includes single
payment, installment, all student loans, and
revolving credit plans other than cards) .............
xx I
I
I
xx I
I
I
xx I
I
I
;. ','
"'''0
xx I
I
I
FFIEC 041
Page RI-7
~
Schedule RI-B-Continued
Part II. Changes in Allowance for Loan and Lease Losses
20 i 0 Dollar Amounts in Thousands
1. Balance most recently reported for the December 31, ~ Reports of Condition and Income
(Le., after adjustments from amended Reports of Income)................................................................
2. Recoveries (must equal part I, item 9, column B, above) ..................................................................
3. LESS: Charge-offs (must equal part I, item 9, column A, above less Schedule RI-B,
part II, item 4).....................................................................................................................................
4. LESS: Write-downs arising from transfers of loans to a held-for-sale account.................................
5. Provision for loan and lease losses (must equal Schedule RI, item 4) ..............................................
6. Adjustments. (see instructions for this schedule) ..............................................................................
7. Balance end of current period (sum of items 1, 2,5, and 6, less items 3 and 4)
(must equal Schedule RC, item 4.c) ..................................................................................................
1.
2.
3.
4.
5.
6.
7.
. Describe on Schedule RI-E-Explanations.
Memoranda
Dollar Amounts in Thousands
1. Allocated transfer risk reserve included in Schedule RI-B, part II, item 7, above ..............................
Memorandum items 2 and 3 are to be completed by banks that (1) together with affliated institutions,
have outstanding credit card receivables (as defined in the instructions) that exceed $500 millon 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.1.
M.2.
M.3.
MA.
FFIEC 041
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
significant items of other noninterest income and other noninterest expense in Schedule RI. (See instructions for details.)
Dollar Amounts in Thousands
1. Other noninterest income (from Schedule RI, item 5.1)
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 ..................................................................
b. Earnings on/increase in value of cash surrender value of life insurance.. ............... .....................
c. Income and fees from automated teller machines (ATMs)............................................................
d. Rent and other income from other real estate owned ...................................................................
e. Safe deposit box rent ....................................................................................................................
f. Net change in the fair values of financial instruments accounted for under a fair value option ....
C013
C014
C016
4042
C015
F229
g. Bank card and credit card interchange fees.................................................................................. F555
~. ~G~~~S on bargain purchases ......................................................................................................... J447
I. 44 1
4461
. TEXT
4462
4463
J. 446
k. ~¡~
2. Other noninterest expense (from Schedule RI, item 7.d)
Itemize and describe amounts greater than $25,000 that exceed 3% of Schedule RI, item 7.d:
a. Data processing expenses ............................................................................................................ C017
b. Advertising and marketing expenses............................................... ............................................. 0497
c. Directors' fees.................................................................................. ............................................. 4136
d. Printing, stationery, and supplies................................................................................................... C018
e. Postage ......................................................................................................................................... 8403
f. Legal fees and expenses .............................................................................................................. 4141
g. FDIC deposit insurance assessments........................................................................................... 4146
h. Accounting and auditing expenses........................ ........................................................................ F556
i. Consulting and advisory expenses.............................................. ...................... ............................ F557
j. Automated teller machine (ATM) and interchange expenses........................................................ F558
~XT .
~. ~T~~communications expenses ........................... .......................................................................... F559
4464
4467
m. TEXT
4468
n. 4468
1.a.
1.b.
1.c.
1.d.
1.e.
1.
1.g.
1.h.
1.i.
1.j.
1.k.
2.a.
2.b.
2.c.
2.d.
2.e.
2.f.
2.g.
2.h.
2.i.
2.j.
2.k.
2.1.
2.m.
2.n.
3. Extraordinary items and other adjustments and applicable income tax effect (from Schedule RI,
item 11 itemize and describe all extraordinary items and other adjustments):
a. (1) ~¡~J
(2) A licable income tax effect............. ........................... ...... .............. 4486
b. (1) ~¡~
(2) A licable income tax effect........ ...... .............................................. 4488
c. (1) ~
(2) Applicable income tax effect........................... .................................. 4491
3.a.(1 )
3.a.(2)
3.b.(1 )
3.b.(2)
3.c.(1 )
3.c.(2)
FFIEC041
PageRI-9
~
Schedule RI-E-Continued
Year-to-date
Dollar Amounts in Thousands RIAD 1 Bil I Mil I Thou
4. Cumulative effect of changes in accunting principles and corrections of material accunting
errors (from Schedule RI-A, item 2) (itemize and describe all such effects):
a. 6t1"'tillllwe efleet ef the i..itløløl'l'lIeøi8F1 8' FAali AaG 849 49 fl..er FAa 467) reløtel
~IY 88F188I1døteel..øriølsle i..tere.t e..titie........................................................................
.
d81
I
1
4.a.
B527
I
I
4.b.
I
1
I
I
I
1
I
I
b. 8527 .
5. Other transactions with parent holding company (from Schedule RI-A, item 11)
(itemize and describe all such transactions):
a. 4498
b.EiEXT
~~
6. Adjustments to allowance for loan and lease losses (from Schedule RI-B, part II, item 6)
(itemize and describe all adjustments):
a. 4521
b.fEEXT
1m
7. Other explanations (the space below is provided for the bank to briefly describe, at its
1
.....
(
44981
44991
"
45211
45221
5.a.
5.b.
d
6.a.
6.b.
::::?O~::~".'d=".t~..~~....=i=~eRe=rt:dn==) I :;:~I YM II No I. 7
Other explanations (please type or print clearly):
(TEXT .769)
FFIEC 041
Page RC-1
Consolidated Report of Condition for Insured Commercial
~
and State-Chartered Savings Banks for December 31, 2010 MC).ch 311 LO 1\
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
ASSETS
1. Cash and balances due from depository institutions (from Schedule RC-A):
a. Noninterest-bearing balances and currency and coin1 .................................................................
b. Interest-bearing balances2 .................................. ................................................................... .......
2. Securities:
a. Held-to-maturity securities (from Schedule RC-B, column A) .......................................................
b. Available-for-sale securities (from Schedule RC-B, column D)......................................................
3. Federal funds sold and securities purchased under agreements to resell:
a. Federal funds sold.........................................................................................................................
b. Securities purchased under agreements to resell3 ..................................... ..................................
4. Loans and lease financing receivables (from Schedule RC-C):
a. Loans and leases held for sale......................................................................................................
b. Loans and leases, net of unearned income ............................................ 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
10. Intangible assets:
a. Goodwil.........................................................................................................................................
b. Other intangible assets (from Schedule RC-M).............................................................................
11. Other assets (from Schedule RC-F)........ ...... ..................................................... ..................... ...........
12. Total assets (sum of items 1 through 11) ...........................................................................................
1.a.
1.b.
2.a.
2.b.
3.a.
3.b.
4.a.
4.b.
4.c.
4.d.
5.
6.
7.
8.
9.
10.a.
10.b.
11.
12.
LIABILITIES
13. Deposits:
a. In domestic offices (sum of totals of columns A and C from Schedule R -
(1) Noninterest-bearing4 ......................................................................... 6631
(2) Interest-bearing ..................................................... ............................ 6636
13.a.
13.a.(1)
13.a.(2)
b. Not applicable
14. Federal funds purchased and securities sold under agreements to repurchase:
a. Federal funds purchased5 .............................................................................................................
b. Securities sold under agreements to repurchase6 ........ ...... ............... ............. ..............................
15. Trading liabilities (from Schedule RC-D)............................................................................................
16. Other borrowed money (includes mortgage indebtedness and obligations under
capitalized leases) (from Schedule RC-M)............ .......................................................... ...................
17. and 18. Not applicable
19. Subordinated notes and debentures7 ................................................................................................ 3200
20. Other liabilities (from Schedule RC-G)............................................................................................... 2930
liabilities (sum of items 13 through 20) ...................................................................................... 2948
21. Total
22. Not applicable
1 Indudes cash items in process of collection and unposted debits.
2 Indudes time ærtificates of deposit not held for trading.
3 Indudes all securities resale agreements, regardless of maturity.
4 Indudes total demand deposits and noninterest-bearing time and savings deposits.
5 Report overnight Federal Home Loan Bank advanæs in Schedule RC, item 16, "Other borrowed money."
6 Includes all securities repurchase agreements, regardless of maturity.
7 Indudes limited-life preferred stock and related surplus.
14.a.
14.b.
15.
16.
19.
20.
21.
FFIEC 041
Page RC-2
~
Schedule RC-Continued
EQUITY CAPITAL
Bank Equity Capital
23. Perpetual preferred stock and related surplus ............................ ............................ ........................... 3838
24. Common stock ......... ......................................................... ................ ................................................. 3230
25. Surplus (excludes all surplus related to preferred stock) ................................................................... 3839
26. a. Retained earnings ......... .................................................................................. .............................. 3632
b. Accumulated other comprehensive income1................................................................................. 8530
c. Other equity capital components2 .. ........... .......... ................ ........................................................... A 130
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.
26 c.
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?.LQ................................................................. .................................
= Independent audit of the bank conducted in accordanæ with 4 =
generally accepted auditing standards by a ærtfied public
M.1.
Directors' examination of the bank conducted in accordanæ with
generally accepted auditing standards by a ærtified public
accounting firm which submits a report on the bank
accunting firm (may be required by state chartering authority)
Directors' examination of the bank performed by other external
ducted in accordanæ with generally acæpted auditing standards
auditors (may be required by state chartering authority)
by a ærtified public accunting finn which submits a report on the con- 6 = Review of the bank's financial statements by extemal auditors
solidated holding company (but not on the bank separately) 7 = Compilation of the bank's financial statements by external
2 = Independent audit of the bank's parent holding company con- 5 =
3 = Attestation on bank management's asserton on the effectiveness of the
bank's internal control over financial reporting by a 8 =
ærtified public accunting firm 9 =
auditors
Other audit proædures (exduding tax preparation work)
No external audit work
To be reported with the March Report of Condition.
2. Bank's fiscal year-end date ........................................................................................................................
1 Includes net unrealized holding gains (losses) on available-for-sale securities, accumulated net gains (losses) on cash flow hedges, and
minimum pension liability adjustments.
2 Indudes treasury stock and unearned Employee Stock Ownership Plan shares.
M.2.
FFIEC 041
Page RC-3
Schedule RC-A-Cash and Balances Due From Depository Institutions
~
Schedule RC-A is to be completed only by banks with $300 milion or more
in total assets. Exclude assets held for trading.
posted debits, and currency and coin:
a. Cash items in process of collection and unposted debits..............................................................
b. Currency and coin.........................................................................................................................
2. Balances due from depository institutions in the U.S.:
a. U.S. branches and agencies of foreign banks...............................................................................
b. Other commercial banks in the U.S. and other depository institutions in the U.S. ........................
3. Balances due from banks in foreign countries and foreign central banks:
0073
a. Foreign branches of other U.S. banks................................................,........................ ..................
0074
b. Other banks in foreign countries and foreign central banks......... .................................................
0090
4. Balances due from Federal Reserve Banks.......................................................................................
0010
1. Cash items in process of collection, un
5. Total (sum of items 1 through 4) (must equal Schedule RC, sum of items 1.a and 1.b) ....................
1.a.
1.b.
2.a.
2.b.
3.a.
3.b.
4.
5.
Schedule RC-B-Securities
Exclude assets held for trading.
Held-to-maturi
(Column A) (Column B)
Amortized Cost Fair Value
Dollar Amounts in Thousands RCON
1. U.S. Treasury securities.. 0211
1.
2. U.S. Government agency
obligations (exclude
mortgage-backed
securities):
a. Issued by U.S.
Government
agencies1...................
2.a.
b. Issued by U.S.
Governmentsponsored agencies2..
3. Securities issued by
2.b.
states and political
subdivisions in the U.S....
1 Includes Small Business Administration "Guaranteed Loan Pool Certificates," U.S. Maritime Administration obligations. and Export-Import
Bank partcipation certificates.
2 Includes obligations (other than mortgage-backed securities) issued by the Farm Credit System, the Federal Home Loan Bank System, the
Federal Home Loan Mortgage Corporation, the Federal National Mortgage Association, the Financing Corporation, Resolution Funding
Corporation, the Student Loan Marketing Association, and the Tennessee Valley Authority.
3.
FFIEC 041
PageRC-4
~
Schedule RC-B-Continued
4. Mortgage-backed
securities (MBS):
a. Residential mortgage
pass-through
securities:
(1) Guaranteed by
4.a.(1 )
GNMA.................. G300
(2) Issued
by FNMAand
FHLMC................. G304
4.a.(2)
(3) Other pass-
4.a.(3)
through securities. G308
b. Other residential
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,
4.b.(2)
or GNMA.............. G316
(3) All other
residential MBS.... G320
rcial MBS:
.l?~
~ i~~
~ ..
~~
~..
(1) Commercia
mortgage
pass-through
4.c.(1 )
securities.............. G324
(2) Other
mercial
. Asset-backed securities
and structured financial
products:
a. Asset-backed
5.a.
securities (ABS)..........
b. Structured financial
products:
(1) Cash..................... G336
(2) Synthetic.. ..... ....... G340
(3) Hybrid................... G344
G337
G341
G345
G338
G342
G346
G339
G343
G347
5.b.(1 )
5.b.(2)
5.b.(3)
INSERT D - FFIEC 041 - SCHEDULE RC-B, ITEM 4.c
c. Commercial MBS:
(1 ) Commercial mortgage passthrough 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 041
Page RC-5
l!
Schedule RC-B-Continued
6. Other debt securities:
a. Other domestic debt
6.a.
securities............. .......
b. Foreign debt
6.b.
securities................. ...
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 securities2 ............................................................................................................ ................
2. Maturity and repricing data for debt securities2, 3 (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:4, 5
(1) Three months or less ........................................... ...........................,....................................... A549
M.2.a.(1)
M.2.a.(2)
M.2.a.(3)
M.2.a.(4)
M.2.a.(5)
M.2.a.(6)
(2) Over three months through 12 months ................................................................................... A550
(3) Over one year through three years ......................................................................................... A551
(4) Over three years through five years........................................................................................ A552
(5) Over five years through 15 years............................................................................................ A553
(6) Over 15 years ......................................................................................................................... A554
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:4, 6
(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 .........................................................................................................................
A555
A556
A557
A558
A559
A560
M.2.b.(1)
M.2.b.(2)
M.2.b.(3)
M.2.b.(4)
M.2.b.(5)
M.2.b.(6)
2 Includes held-to-maturity securities at amortized cost and available-for-sale securities at fair value.
3 Exclude investments in mutual funds and other equity securities with readily determinable fair values.
4 Report fixed rate debt securities by remaining maturity and floating rate debt securities by next repricing date.
5 Sum of Memorandum items 2.a.(1) through 2.a.(6) plus any nonaccral debt securities in the categories of debt securities reported in
Memorandum item 2.a that are included in Schedule RC-N, item 9, column C, must equal Schedule RC-B, sum of items 1, 2, 3, 4.c.(1), 5. and 6,
columns A and D, plus residential mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages
included in Schedule RC-B, item 4.a, columns
Aand D.
6 Sum of Memorandum items 2.b.(1) through 2.b.(6) plus any nonaccual mortgage pass-through securities backed by closed-end first lien
1-4 family residential mortgages included in Schedule RC-N, item 9, column C, must equal Schedule RC-B, item 4.a, sum of columns
A
and D, less the amount of residential mortgage pass-through securities other than those backed by dosed-end first lien 1-4 family residential mortgages
included in Schedule RC-B, item 4.a, columns A and D.
FFIEC 041
Page RC-6
~
Schedule RC-B-Continued
Memoranda-Continued
Dollar Amounts in Thousands
2. c. Other mortgage-backed securities (include CMOs, REMICs, and stripped MBS; exclude
mortgage pass-through securities) with an expected average lite of:1
(1) Three years or less .................................................................................................................
(2) Over three years.....................................................................................................................
d. Debt securities with a REMAINING MATURITY of one year or less (included in
Memorandum items 2.a through 2.c above)..................................................................................
3. Amortized cost ot held-to-maturity securities sold or transferred to available-tor-sale or trading
securities during the calendar year-to-date (report the amortized cost at date of sale or transfer) ...
4. Structured notes (included in the held-to-maturity and available-for-sale accounts in
Schedule RC-B, items 2, 3, 5, and 6):
a. Amortized cost...............................................................................................................................
b. Fair value................................... ....................................................................................................
M.2.c.(1 )
M.2.c.(2)
M.2.d.
M.3.
MA.a.
MA.b.
1 Sum of Memorandum items 2.c.(1) and 2.c.(2) plus any nonaccrual "Other mortgage-backed securities" included in Schedule RC-N, item 9,
column C, must equal Schedule RC-B, sum of items 4.b and 4.c.(2), columns A and D.
Held-to-maturit
Available-for-sale
(Column A) (Column B)
(Column C) (Column D)
Amortized Cost Fair Value
Dollar Amounts in Thousands RCON RCON Bil
Amortized Cost Fair Value
RCON
Memorandum items 5.a
through 5.f are to be
completed by banks with
$1 billon or more in total
assets.
2
5. Asset-backed securities
(ABS) (tor each column,
sum of Memorandum
items 5.a through 5.f
must equal Schedule
RC-B, item 5.a):
a. Credit card
receivables .................
b. Home equity lines.......
c. Automobile loans........
M.5.a.
M.5.b.
M.5.c.
d. Other consumer
loans...........................
M.5.d.
e. Commercial and
industrial loans ........... B854
M.5.e.
t. Other.... ...................... B858
M.5.f.
2.010/
2 The $1 billon asset size test is generally based on the total assts reported on the June 30, ~ Report of Condition.
FFIEC 041
Page RC-7
~
Schedule RC-B-Continued
Memoranda-Continued
Held-to-maturi
(Column A) (Column B)
Amortized Cost Fair Value
Dollar Amounts in Thousands RCON
6. Structured financial
products by underlying
collateral or reference
assets (for each column,
sum of Memorandum
items 6.a through 6.g
must equal Schedule
RC-B, sum of items 5.b(1)
through (3)):
a. Trust preferred
securities issued by
financial institutions ..... G348
M.6.a.
b. Trust preferred
securities issued by
real estate investment
trusts.......... ......... ......... G352
c. Corporate and similar
loans............................ G356
M.6.b.
M.6.c.
d. 1-4 family residential
MBS issued or
guaranteed by U.S.
government-sponsored
enterprises (GSEs)...... G360
M.6.d.
e. 1-4 family residential
MBS not issued or
guaranteed by GSEs... G364
M.6.e.
f. Diversified (mixed)
pools of structured
financial products.. ...... G368
g. Other collateral or
reference assets.......... G372
M.6.f.
M.6.g.
FFIEC 041
PageRG-
§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 accunted for at fair value under a fair value option. Exclude
assets held for trading and commercial paper.
(ColumnA)
To Be Completed
by Banks with
$300 Milion or More
in Total Asets1
(Column B)
To Be Completed
by All Banks
Dollar Amounts in Thousands
1.a.(1 )
1.a.(2)
1.b.
1.c.(1 )
1.c.(2)(a)
1.c.(2)(b)
1.d.
1.e.(1 )
1.e.(2)
2.
2.a.(1 )
2.a.(2)
2.b.
2.c.(1 )
2.c.(2)
3.
4.
4.a.
4.b.
2081
7.
2107
8.
LCI01
1 The $300 milion asset size test is generally based on the total assets reported on the June 30, He Report of Condition.
INSERT E - FFIEC 041 - SCHEDULE RC-C, PART I, ITEM 6
~: ~~~:~~=~:~~ae~~~~~~' (;~~i'~'~'~'~' ~;~~;~................ .1....
payment, installment, and all student loans) ......... .
;~
FFIEC 041
Page RG-9
§J
Schedule RC-C-Continued
Part I. Continued
(Column B)
To Be Completed
by All Banks
(ColumnA)
To Be Completed
by Banks with
$300 Million or More
in Total Assets1
Dollar Amounts in Thousands
RCONI
Bil I Mil I Thou
RCONI Bil
I Mil I Thou
.
.."
9. Loans to nondepository financial institutions and other loans:
a. Loans to nondepository financial institutions ..................................
b. Other loans.............. ............................... ................................... ...........
(1) Loans for purchasing or carrying securities (secured and
unsecured) ......... .... ... ................... ................... .................................
(2) All other loans (exclude consumer loans)...................................
1
I
I
J464
I
I
I
9.a.
9.b.
....
....
15451
1
I
J451
1
I
1
.
10. Lease financing receivables (net of unearned income)...............................
a. Leases to individuals for household, family, and other personal
F1621
expenditures (i.e., consumer leases) .....................................................
b. All other leases.......................................................................................
J454
F1631
9.b.(1 )
:
21651
I
I
1
I
11. LESS: Any unearned income on loans reflected in items 1-9 above .........
loans and leases, net of unearned income (sum of items 1 through
12. Total
10 minus item 11) (must equal Schedule RC, sum of items 4.a and 4.b)...
1
9.b.(2)
10.
I
10.a.
10.b.
21231
I
I
11.
2122\
I
I
12.
2.øf~1
1 The $300 milion asset size test is generally based on the total assets reported on the June 3D, 2tReport of Condition.
Memoranda
1.
( rit.pi c:e
",;f1 i,.SE'ltT (j
Dollar Amounts in Thousands
RCON
eases restructured and in compliance with modified terms (included in
----~ as past due or nonaccrual in Schedule RG-N,
Schedule RC-C, part i,
Memorandum item 1):
................... F576
.........................................
a. Loans secured by 1-4 family residential
b. Other loans and \':lJ,,,,ude loans to individuals for household, family, and other
-
ai expenditures)..................................................................................................................
1616
Bil
Thou
Mil
1
I
2. Maturity and repricing data for loans and leases (excluding those in nonaccrual status):
a. Closed-end loans secured by first liens on 1-4 family residential properties (reported in
Schedule RC-C, part I, item 1.c.(2)(a), column B, above) with a remaining maturity or next
repricing date of:2, 3
A564
(1 ) Three months or less ......................... .......................... ............................... ............... .............
(2)
(3)
(4)
(5)
(6)
Over three months through 12 months ........ ................ ............... .................... ......... ...............
Over one year through three years .........................................................................................
Over three years through five years... ............................. .......................... ..... ........... .......... ....
Over five years through 15 years............................................................................................
Over 15 years ..... ............. .......... .................................................................. ...........................
A565
A566
A567
A568
A569
2 Report fixed rate loans and leases by remaining maturity and floating rate loans by next repricing date.
3 Sum of Memorandum items 2.a.(1) through 2.a.(6) plus total nonaccal closed-end loans secured by first liens on 1-4 family residential
properties included in Schedule RC-N, item 1.c.(2)(a), column C, must equal total closed-end loans secured by first liens on 1-4 family
residential properties from Schedule RC-C, part I, item 1.c.(2)(a), column B.
M.1.a.
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 041 - SCHEDULE RC-C, PART I, MEMO ITEM 1
1. Loans restructured in troubled debt restructunngs that are in compliance with their modified
terms (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:
(1) 1-4 family residential construction loans
(2) Other construction loans and all land development and other land loans
XX
XX
b. Loans secured by 1-4 family residential properties
F576
c. Secured by multifamily (5 or more) residential properties
XX
d. Secured by nonfarm nonresidential properties:
(1) Loans secured by owner-oupied nonfarm nonresidential properties
(2) Loans secured by other nonfarm nonresidential properties
e. Commercial and industnal loans:
Memorandum items 1.e.(1) and (2) are to be completed by banks with $300 millon or more in
total assets. (Sum of Memorandum items 1.e.(1) and (2) must equal Memorandum item 1.e.)
(1) To U.S. addressees (domicile)
XX
(2) To non-U.S. addressees (domicile) XX
f. All other loans (Include loans to individuals for household, family, and other personal
expenditures)
Itemize loan categones included in Memorandum item 1.1, above that exce 10% of total
loans restructured in troubled debt restructunngs that are in compliance with their moified
terms (sum of Memorandum items 1.a through 1.e plus 1.1):
(1) Loans secured by farmland
(2) Loans to depository institutions and accptances of other banks
(3) Not applicable
(4) Loans to individuals for household, family, and other personal expenditures:
(a) Credit cards
(b) Automobile loans
(c) Other consumer loans (includes single payment, installment, all student loans,
and revolving credit plans other than credit cards)
(5) Loans to foreign governments and offcial institutions
(6) Other loans 1
Memorandum item 1.1.(6)(a) is to be completed by:
. Banks with $300 millon or more in total assets
. Banks with less than $300 millon in total assets that have loans to finance agncultural
production and other loans to farmrs (Schedule RC-C, part i, item 3) exceding five
percent of total loans
(a) Loans to finance agncultural production and other loans to farmrs included in
Schedule RC-C, part i, Memorandum item 1.f.(6), above
1 Includes "Loans to finance agncultural production and other loans to farmrs," "Obligations
(other than secunties and loans) of states and political subdivisions in the U.S.," and "Loans
to nondepository financial institutions and other loans."
XX
XX
XX
XX
XX
FFIEC 041
Page RC-10
~
Schedule RC-C-Continued
Part I. Continued
Memoranda-Continued
Dollar Amounts in Thousands
loans and leases (reported in Schedule RC-C, part i, items 1 through 10, column B,
above) EXCLUDING closed-end loans secured by first liens on 1-4 family residential
properties (reported in Schedule RC-C, part I, item 1.c.(2)(a), column B, above) with a
remaining maturity or next repricing date of: 1,2
2. b. All
(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
(5) Over five years through 15 years............................................................................................ A574
(6) Over 15 years ......................................................................................................................... A575
c. Loans and leases (reported in Schedule RC-C, part I, items 1 through 10, column B, above)
with a REMAINING MATURITY of one year or less (excluding those in nonaccrual status) .............
3. Loans to finance commercial real estate, construction, and land development activities
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.
(not secured by real estate) included in Schedule RC-C, part i, items 4 and 9, column B3
4. Adjustable rate closed-end loans secured by first liens on 1-4 family residential properties
(included in Schedule RC-C, part I, item 1.c.(2)(a), column B) .........................................................
5. To be completed by banks with $300 millon or more in total assets:4
Loans secured by real estate to non-U.S. addressees (domicile) (included in
Schedule RC-C, part i, items 1.a through 1.e, column B) ..................................................................
Memorandum item 6 is to be completed by banks that (1) together with affilated institutions, have
outstanding credit card receivables (as defined in the instructions) that exceed $500 millon as of
MA.
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. .............................................................................................................................................
M.6.
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.7.a.
M.7.b.
properties: ~ 0 101
8. Closed-end loans with negative amortization features secured by 1-4 family residential
a. Total carrying amount of closed-end loans with negative amortization features secured by
1-4 family residential properties (included in Schedule RC-C, part i, items 1.c.(2)(a) and (b)) ..
Memorandum items B.b and B.c are to be completed by banks that had closed-end loans
with negative amortization features secured by 1-4 family residential properties (as reported
M.8.a.
in Schedule RC-C, part i, Memorandum item B.a.) as of December 31,29 at exceeded
the lesser of $100 millon or 5 percent of total
(as reported in Schedule RC-C, part
loans and leases, net of unearned income
i, item 12, column B).
b. Total maximum remaining amount of negative amortization contractually permitted on
closed-end loans secured by 1-4 family residential properties.....................................................
c. Total amount of negative amortization on closed-end loans secured by 1-4 family residential
properties included in the carrying amount reported in Memorandum item 8.a above ................. F232
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 nonaccral loans and leases from Schedule RC-N. sum of items 1 through 8,
column C, minus nonaccral closed-end loans secured by first liens on 1-4 family residential properties included in Schedule RC-N,
item 1.c.(2)(a), column C, must equal total loans and leases from Schedule RC-C, part I, sum of items 1 through 10, column B, minus 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.
3 Exclude loans secured by real estate that are included in Schedule RC-C, part i, items 1.a through 1.e, column B.
4 The $300 millon asset size test is generally based on the total assets reported on the June 30, M6 Report of Condition.
i.O Iii
i
M.8.b.
M.8.c.
FFIEC 041
Page RG-11
~
Schedule RC-C-Continued
Part I. Continued
ontinu
M
emoran
d-C'
a
ed
Dollar Amounts in Thousands
RCON
9. Loans secured by 1-4 family residential properties in process of foreclosure (included in
Schedule RG-C, part i, items 1.c.(1), 1.c.(2)(a), and 1.c.(2)(b)..........................................................
Memorandum items 10 and 11 are to be completed by banks that have eleced to measure loans
included in Schedule RC-C, part i, items 1 through 9, at fair value under a fair value option.
10. Loans measured at fair value (included in Schedule RC-C, part i, items 1 through 9):
a. Loans secured by real estate:
(1 ) Construction, land development, and other land loans...........................................................
(2) Secured by farmland (including farm residential and other improvements)............................
(3) Secured by 1-4 family residential properties:
(a) Revolving, open-end loans secured by 1-4 family residential properties and
extended under lines of credit ..........................................................................................
(b) Closed-end loans secured by 1-4 family residential properties:
(1 ) Secured by first liens..................................................................................................
(2) Secured by junior liens...............................................................................................
Secured
by multifamily (5 or more) residential properties.......................................................
(4)
F577
M.9.
.
F578
F579
I
F5801
I
M.10.a.(1)
M.10.a.(2)
I
F581
. . ,. ." .,
(1 ) ;~~~~t ;:::i~¡~~' ~~~di~'~i~'~~' ::::::::: ~?: ~f.:(~:~~: :~:,~)~r~:rfT.:Ø:::: :::::: ::::::: ::::::: ::::::::::: :::
(2)
\"'1 "''' '~'
IVgll,,
U"'l:'~
.............
, v..v
,
d. Other loans ...................................................................................................................................
F586
F587
M.10.c.(1)
M.10.c.(2)
..,.,. v.
,\'J1
M.10.d.
~""'"
F589
11. Unpaid principal balance of loans measured at fair value (reported in Schedule RC-C,
part i, Memorandum item 10):
a. Loans secured by real estate:
F5901
(1 ) Construction, land development, and other land loans...........................................................
F591
I
(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..................................... ....................... ............... ......... ................
F592
F593
F594
F595
F596
F597
M.10.a.(3)(a
M.10.a.(3)(b )(1 )
M.10.a.(3)(b )(2)
M.10.a.(4)
M.10.a.(5)
M.10.b.
F582
F583
F584
(5) Secured by nonfarm nonresidential properties ................ ........ ............................................... F585
loans ..................................................... .................................... ..........
b. Commercial and industrial
c. Loans to individuals for household, family, and other personal expenditures
(i.e., consumer loans) (includes purchased paper):
Thou
Mil
Bil
I
I
I
M.11.a.(1)
M.11.a.(2)
M.11.a.(3)(a
M.11.a.(3)(b )(1 )
M.11.a.(3)(b )(2)
M.11.a.(4)
M.11.a.(5)
M.11.b.
c. Loans to individuals for household, family, and other personal expenditures
.- _.. . .,. ."
(i.e., consumer loans) (includes purchased paper):
F598
(1) Credit cards..............................................................................ëE........................................ F599
(2) Other revolving credit plans .........:.r:..~p.!~.~:i.~..!~.~.r:(tI H.......................................... .."nn
ru
'~
,
''',v.
gil ""'UUO;", IVg"", I.............
d. Other loans .............................................................................................................................. .....
F601
M.11.c.(1)
M.11.c.(2)
,.,. 11.1;:\")
M.11.d.
INSERT G - FFIEC 041 - SCHEDULE RC-C, PART I, MEMO ITEM 10.c
(3) Automobile loans ............................................................................... xxx T
(4) Other consumer loans (includes single payment, installment,
and all student loans) .........................................................................
xx I
INSERT H - FFIEC 041 - SCHEDULE RC-C, PART I, MEMO ITEM 11.c
(3) Automobile loans ............................................................................... XX
(4) Other consumer loans (includes single payment, installment,
and all student loans) ......................................................................... XX
I
I
I
I
FFIEC 041
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 col-
lected
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......................
M.12.c.
M.12.d.
d. All other loans and all leases............................
Dollar Amounts in Thousands RCON
Memorandum item 13 is to be completed by banks that had construction, land development, and
other land loans (as reported in Schedule RC-C, part i, item 1.a, column B) that exceeded 100 percent
of total risk-based capital (as reported in Schedule RC-R, item 21) as of December 31,2009.
13. Construction, land development, and other land loans with interest reserves:
a. Amount of loans that provide for the use of interest reserves (included in Schedule RC-C,
part i, item 1.a, column B) .............................................................................................................
b. Amount of interest capitalized from interest reserves on construction, land development, and
other land loans that is included in interest and fee income on loans during the quarter
M.13.a.
M.13.b.
(included in Schedule RI, item 1.a.(1 )(b))......................................................................................
Memorandum item 14 is to be completed by all banks.
14. Pledged loans and leases..................................................................................................................
M.14.
Memorandum item 15 is to be completed for the December report only.
15. Reverse mortgages:
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
Number
the origination of the reverse mortgages:
IJ468
(1) Home Equity Conversion Mortgage (HECM) reverse mortgages.....................................
I J469
(2) Proprietary reverse mortgages............................................................................................
RCON
c. Principal amount of reverse mortgage originations that have been sold during the year:
J470
(1) Home Equity Conversion Mortgage (HECM) reverse mortgages.................................... J471
(2) Proprietary reverse mortgages....... ....................................................................................
M.15.b.(1 )
M.15.b.(2)
Bil
Mil
Thou
M.15.c.(1)
M.15.c.(2)
FFIEC 041
~
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' reported in Schedule RC-C,
part I, items 1.e.(1) and 1.e.(2), and all or substantially all of the dollar volume of your bank's
"Commercial and industrial
loans' reported in Schedule RC-C, part i, item 4,1 have original
amounts of $100,000 or less (If your bank has no loans outstanding in both of these two loan RCON
categories, place an "X" in the box marked ..NO...)................... .......................................................... 6999
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 Schedule RC-C, Number of Loans
part I, loan categories:
a. "Loans secured by nonfarm nonresidential properties" reported in Schedule RC-C, part i,
items 1.e.(1) and 1.e.(2) (Note: Sum of items 1.e.(1) and 1.e.(2) divided by the number of loans
should NOT exceed $100,000.) ....................................................................................................
loans" reported in Schedule RC-C, part i, item 4.1 (Note: Item 4,1
b. "Commercial and industrial
divided by the number of loans should NOT exceed $100,000.) ..................................................
RCON
2.a.
2.b.
(ColumnA)
Number of Loans
Dollar Amounts in Thousands
3. Number and amount currently outstanding of "Loans secured by
nonfarm nonresidential properties" reported in Schedule RC-C, part I,
items 1.e.(1) and 1.e.(2) (sum of items 3.a through 3.c must be less than
or equal to Schedule RC-C, part I, sum of items 1.e.(1) and 1.e.(2)):
3.a.
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' reported in Schedule RC-C, part I, item 41 (sum of items
4.a through 4.c must be less than or equal to Schedule RC-C, part i,
item 41):
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
1 Banks with $300 millon or more in total assets should provide the requested information for "Commercial and industrial loans" based on the
loans to U.S. addressees.
loans reported in Schedule RC-C, part i, item 4.a, column A, "Commercial and industrial
4.a.
4.b.
4.c.
FFIEC 041
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)" reported in Schedule RC-C, part I, item 1.b, and all or substantially all
of the dollar volume of your bank's "Loans to finance agricultural production and other
loans to farmers" reported in Schedule RC-C, part I, item 3, have original amounts
of $100,000 or less (If your bank has no loans outstanding in both of these two loan
categories, place an "X" in the box marked "NO.").............................................................................
5.
If YES, complete items 6.a and 6.b below, and do not complete items 7 and 8.
If NO and your bank has loans outstanding in either loan category, skip items 6.a and 6.b and complete items 7 and 8 below.
If NO and your bank has no loans outstanding in both loan categories, do not complete items 6 through 8.
6. Report the total number of loans currently outstanding for each of the following
Schedule RC-C, part i, loan categories:
a. "Loans secured by farmland (including farm residential and other improvements)" reported in
Schedule RC-C, part I, item 1.b, (Note: Item 1.b divided by the number of loans should NOT
exceed $100,000.).........................................................................................................................
6.a.
b. "Loans to finance agricultural production and other loans to farmers" reported in
Schedule RC-C, part I, item 3 (Note: Item 3 divided by the number of loans should NOT
exceed $100,000.).....................,...................................................................................................
6.b.
(Column A)
Number of Loans
Dollar Amounts in Thousands
7. Number and amount currently outstanding of "Loans secured by
farmland (including farm residential and other improvements)" reported
in Schedule RC-C, part i, item 1.b (sum of items 7.a through 7.c must be
less than or equal to Schedule RC-C, part I, item 1.b):
7.a.
7.b.
7.c.
a. With original amounts of $100,000 or less............................................
b. With original amounts of more than $100,000 through $250,000.........
c. With original amounts of more than $250,000 through $500,000.........
8. Number and amount currently outstanding of "Loans to finance
agricultural production and other loans to farmers" reported in
Schedule RC-C, part I, item 3 (sum of items 8.a through 8.c must be
less than or equal to Schedule RC-C, part i, item 3):
a. With original amounts of $100,000 or less............................................ 5584
b. With original amounts of more than $100,000 through $250,000......... 5586
c. With original amounts of more than $250,000 through $500,000......... 5588
5585
5587
5589
8.a.
8.b.
8.c.
FFIEC 041
PageRC-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.
Dollar Amounts in Thousands
RCON
Bil
Mil I Thou
I
.
.
ASSETS
1. U.S. Treasury securities ..................................................................................................................... 3531
2. U.S. Government agency obligations (exclude mortgage-backed securities).................................... 3532
1.
2.
3.
3. Securities issued by states and political subdivisions in the U.S. ...................................................... 3533
Xi;
4. Mortgage-backed securities (MBS):
a. Residential mortgage pass-through securities issued or guaranteed by FNMA, FHLMC,
.,
G3791
orGNMA....................................................................................................................................... ,',.,
4.a.
I
b. Other residential MBS issued or guaranteed by FNMA, FHLMC, or GNMA (include CMOs,
REMICs, and stripped MBS) .................................................................W................................. G380
c. All other residential MBS ......................(!..f~.pft.r.ft..W.!JJ..l.N.,rE,(?.I. i ................................. G381
",""')
. .._,
..........................................................................................................................
u.
5. Other debt securities:
a. Structured financial products:
(1 ) Cash.....................:..................................................................................................................
(2) Synthetic.................................................................................................................................
(3) Hybrid......................................................................................................................................
b. All other debt securities........................... .......... ............... ................ .............................................
6. Loans:
a. Loans secured by real estate:
4.b.
4.c.
. ..
G383
G384
G385
G386
5.a.(1 )
5.a.(2)
5.a.(3)
5.b.
'.\
Construction, land development, and other land loans........................................................... F604
F605
'.
(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
6.a.(1 )
(1 )
extended under lines of credit.. ................... ........ ............................ ................ ................. F6061
6.a.(2)
I
.
I
I
6.a.(3)(a)
,
(b) Closed-end loans secured by 1-4 family residential properties:
F607
(1 ) Secured by first liens..................................................................................................
F611
(2) Secured by junior liens...............................................................................................
F612
(4) Secured by multifamily (5 or more) residential properties.......................................................
F613
(5) Secured by nonfarm nonresidential properties.... .............................................. .....................
F614
loans ................. ............................... .................. ........... .............. ........
b. Commercial and industrial
' ....
c. Loans toïndividuals for household, family, and other personal expenditures
..
(i.e., consumer loans) (includes purchased paper):
F615
(1) Credit cards.....................................................................................ID..................................
F616
(2) Other revolving credit plans ..........f~.g..q~\.tMI:..l/i!l1..IN.~.E~.T..rr.................................... ' -_.u u" ~.uu",.. 'uu"~/.............
'~,,~.u
,
'vi ~
,
.~ ~.. ., .
F618
d. Other loans ..... ...................................... ............ ............... ... ........ ....... ............. ......... ................. ...
7. and 8. Not applicable
9. Other trading assets........................................................................................................................... 3541
10. Not applicable
11. Derivatives with a positive fair value....... ........ ................. .............. ..... ................... ............................ 3543
12. Total trading assets (sum of items 1 through 11) (must equal Schedule RC, item 5) ........................ 3545
LIABILITIES
13. a. Liability for short positions... ............... .......... ..... ..................... ............ ....................... ....................
b. Other trading liabilties...................................................................................................................
14. Derivatives with a negative fair value.................................................................................................
15. Total trading liabilities (sum of items 13.a. through 14) (must equal Schedule RC, item 15).............
3546
F624
3547
3548
6.a.(3)(b)(1 )
6.a.(3)(b)(2)
6.a.(4)
6.a.(5)
6.b.
",'"
.
6.c.(1 )
6.c.(2)
U''''\''I
6.d.
9.
11.
12.
13.a.
13.b.
14.
15.
INSERT 1- FFIEC 041 - SCHEDULE RC-D, ITEM 4
: ~~:t~:::~:~c:::~~;r~".~r~~t~~~~~~~~~.~~~~~:".r~~.~.~.:: I :: EE
INSERT J - FFIEC 041 - SCHEDULE RC-D, ITEM 6.c
::~ ~~:~:~:~::;~O~~~(i~~~~~~~i~~;~~~;~~;:';~~;~II;;~~;',""....... ~
and all student loans) ......................................................................... xxx
FFIEC 041
PageRC-16
~
Schedule RC-D-Continued
Memoranda
Dollar Amounts in Thousands RCON Bil Mil Thou
1. Unpaid principal balance of loans measured at fair value (reported in Schedule RC-D,
items 6.a.(1) through 6.d):
a. loans secured by real estate:
land development, and other land loans........................................................... F625
(1) Construction,
(2) Secured by farmland (including farm residential and other improvements)............................ F626
(3) Secured by 1-4 family residential properties:
(a) Revolving, open-end loans secured by 1-4 family residential properties and
I
extended under lines of credit ................ ........ ........... ................ .................. ..................... F627
(b) Closed-end loans secured by 1-4 family residential properties:
(1) Secured by first liens.................................................................................................. F628
(2) Secured by junior liens............................................................................................... F629
(4) Secured by multifamily (5 or more) residential properties....................................................... F630
(5) Secured by nonfarm nonresidential properties ....................................................................... F631
loans ................................................................................................... F632
c. loans to individuals for household, family, and other personal expenditures
b. Commercial and industrial
(i.e., consumer loans) (includes purchased paper): ,'.
'/ '0:" .............
(1) Credit cards....................................................................................iC.................................. F633
(2) Other revolving credit plans .........../.'?Rtf..i.~.~~.\o('O.!1dN.HJq.\................................... F634
,~, ~'L . .ll':, . ... -;, _, _ C".,,,
d. Other loans ................................................................................................................................... F636
2. loans measured at fair value that are past due 90 days or more:
a. Fair value.................................................................. ..................................................................... F639 I
b. Unpaid principal balance.... .................... ...... ................................................................................. F640 I
3. Structured financial products by underlying collateral or reference assets (sum of Memorandum
items 3.a through 3.g must equal Schedule RC-D, sum of items 5.a.(1) through (3)):
a. Trust preferred securities issued by financial institutions .............................................................. G299
b. Trust preferred securities issued by real estate investment trusts .................... ....................... ..... G332
c. Corporate and similar loans.. ....................................... ............... ..... ........ ....... ...... ............ ............ G333
d. 1-4 family residential MBS issued or guaranteed by U.S. government-sponsored
I
M.1.a.(1 )
I
M.1.a.(2)
I
M.1.a.(3)(a
M.1.a.(3)(b )(1 )
M.1.a.(3)(b )(2)
M.1.a.(4)
M.1.a.(5)
M.1.b.
M.1.c.(1 )
M.1.c.(2)
..
.~,
.\~
M.1.d.
M.2.a.
M.2.b.
M.3.a.
M.3.b.
M.3.c.
g. Other collateral or reference assets .............................................................................................. G652
M.3.d.
M.3.e.
M.3.f.
M.3.g.
a. Pledged securities ......................................................................................................................... G387 I
b. Pledged loans.............. ................... ......... ................... .......................... ......................................... G388 I
M.4.a.
M.4.b.
enterprises (GSEs)........................................................................................................................ G334
e. 1-4 family residential MBS not issued or guaranteed by GSEs.................................................... G335
f. Diversified (mixed) pools of structured financial products ............................................................. G651
4. Pledged trading assets: .'
Memorandum items 5 through 10 are to be completed by banks that reported average trading assets
the four preceding calendar quarters.
(Schedule RC-K, item 7) of $1 bilion or more in any of
5. Asset-backed securities:
F643
a. Credit card receivables..................................................................................................................
F644
b. Home equity lines.............. ............... ...................... ........... ............................ ................................
c. Automobile loans........................................................................................................................... F645
F646
d. Other consumer loans...................................................................................................................
loans ................................................................................................... F647
e. Commercial and industrial
F648
f. Other .............................................................................................................................................
F651
6. Retained beneficial interests in securitizations (first-loss or equity tranches)....................................
7. Equity securities (included in Schedule RC-D, item 9, above):
F652
a. Readily determinable fair values ...................................................................................................
F653
b. Other .............................................................................................................................................
F654
8. loans pending securitization..............................................................................................................
M.5.a.
M.5.b.
M.5.c.
M.5.d.
M.5.e.
M.5.f.
M.6.
M.7.a.
M.7.b.
M.8.
INSERT K - FFIEC 041 - SCHEDULE RC-D, MEMO ITEM 1.c
(3) Automobile loans ............................................................................... xxx I
(4) Other consumer loans (includes single payment, installment,
and all student loans) .........................................................................
xx I
I
I
I
I
FFIEC 041
Page RC.17
~
Schedule RC-D-Continued
Memoranda-Continued
Dollar Amounts in Thousands RCON Bil Mil Thou
9. Other trading assets (itemize and describe amounts included in Schedule RC-D, item 9,
~a~reaier Ihan $25,000 and exceed 25% ollhe ;lem ),
b.TEXT
F
c. ~~T
10. Other trading liabilities (itemize and describe amounts included in Schedule RC-D, item
~3~ are grealer than $25,000 and exceed 25% of Ihe 'em),
b. TEXT
C. TEXT
F660
,
,'.' '-., '.,
F655
F656
F657
M.9.a.
M.9.b.
M.9.c.
'.';.'~/': \~':;, "
;..., ,7,.. ,',' "
F658
F659
F66D
M.10.a.
M.10.b.
M.10.c.
FFIEC 041
Page RC-18
§J
Schedule RC-E-Deposit Liabilities
Nontransaction
Accounts
Transaction Accounts
(Column A)
Total transaction
accounts (including
total demand
deposits)
(Column B)
Memo: Total
demand deposits
(included in
(Column C)
Total
nontransaction
accounts
columnA)
RCON Bil
(including MMDAs)
RCON
Deposits of:
1. Individuals, partnerships, and corporations
1.
(include all certified and official checks)................
2. U.S. Government ..................................................
3. States and political subdivisions in the U.S...........
4. Commercial banks and other depository
2.
3.
4.
5.
institutions in the U.S. .............. ....... ......................
5. Banks in foreign countries.....................................
6. Foreign governments and official institutions
(including foreign central banks) ...........................
7. Total (sum of items 1 through 6) (sum of
columns A and C must equal Schedule RC,
item 13.a) ..............................................................
Memoranda
6.
7.
Dollar Amounts in Thousands RCON
1. Selected components of total deposits (i.e., 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):1
(1) Brokered deposits of less than $100,000...........................................................................
M.1.c.(1 )
(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 vear; less
a oveIt~"itl,,~
..... .........J:......................................................
(.inciude ind'emoran
Md'um1item
(1).c. b)
""'~ '''fEr.-r (!
. a remainin maturity of one ear or
.............................................................................
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. omponents of total nontransaction accounts (sum of Memorandum items 2.a through 2.d must
equal item 7, column C above):
a. Savings deposits:
c. Total time deposits of $100,000 through $250,000...................................................................
d. Total time deposits of more than $250,000...............................................................................
M.2.a.(1)
M.2.a.(2)
M.2.b.
M.2.c.
M.2.d.
e. Individual Retirement Accounts (IRAs) and Keogh Plan accounts of $100,000 or more
included in Memorandum items 2.c and 2.d above ......................................................................
M.2.e.
(1) Money market deposit accounts (MMDAs) .............................................................................
(2) Other savings deposits (excludes MMDAs) ............................................................................
b. Total time deposits of less than $100,000 .....................................................................................
IN SErtí (6
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.
INSERT L - FFIEC 041 - 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) ................................................................................................ XX
(3) Brokered deposits of more than $250,000 with a remaining maturity
of one year or less (included in Memorandum item 1.b above).......... XX
INSERT M - FFIEC 041 - SCHEDULE RC-E, MEMORANDUM ITEM 1
f.
Estimated amount of deposit obtained through the use of deposit I ~
listing services that are not brokere deposits ..................................... xx ~
FFIEC 041
Page RC-19
§J
Schedule RC-E-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 .....................................................................................................................
M.3.a.(1)
M.3.a.(2)
M.3.a.(3)
M.3.a.(4)
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........................................................ A241
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 .....................................................................................................................
REMAINING MATURITY of one year or less
ve ........................................................
t.)I(trlcH~ -./1 IrJ S8tr (t
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.
M.3.b.
M.4.a.(1 )
M.4.a.(2)
M.4.a.(3)
M.4.a.(4)
M.4.b.
INSERT N - FFIEC 041 - SCHEDULE RC-E, MEMO ITEM 4
b. Time deposits of $100,000 through $250,000 witha 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 .....................................................................................................
xx I
I
I
I
I
'.
xx I
FFIEC 041
Page RC-20
~
Schedule RC-F-Other Assets
Dollar Amounts in Thousands RCON Bil
Mil Thou
1.
1. Accrued interest receivable1 .............................................................................................................. B556
2. Net deferred tax assets2 .................................................................................................................... 2148
2.
3. Interest-only strips receivable (not in the form of a security)3 on:
a. Mortgage loans.............................. ................................................................................................
3.a.
4. ~~~::~::~~~~~::tS~~. N'ÖT .h.;~~..;~~.d.i.l~ 'd~~~~~i~~bi~ 't;i'; '~~'i~~~~:":: ß~r~~~: :~:,:~ :i¡¿i.~!:r§):
3.b.
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).............................. 2166
b. Repossessed personal propert (including vehicles).............................. 1578
c. Derivatives with a positive fair value held for purposes other than
trading ..................................................................................................... C010
d. Retained interests in accrued interest receivable related to securitized
credit cards.............................................................................................. C436
e. FDIC loss-sharing indemnification assets ............................................... J448
6.a.
6.b.
f. Pre aid deposit insurance assessments................................................. J449
6.f.
6.c.
6.d.
6.e.
g.
lS:ó
3549
h.
lJJ
3550
i. ~~T 3551
6.g.
6.h.
6.i.
7.
7. Total (sum of items 1 through 6) (must equal Schedule RC, item 11)................................................
1 Includes acced 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 reæivable 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 Indudes Federal Reserve stock, Federal Home Loan Bank stock, and bankers' bank stock.
Schedule RC-G-Other Liabilities
Dollar Amounts in Thousands RCON Bil
1. a. Interest accrued and unpaid on deposits1 ..................................................................................... 3645
b. Other expenses accrued and unpaid (includes accrued income taxes payable) .......................... 3646
2. Net deferred tax liabilties2 ................................................................................................................. 3049
3. Allowance for credit losses on off-balance sheet credit exposures................ .................................... B557
4. All other liabilities (itemize and describe amounts greater than $25,000 that exceed 25%
of this item).........................................................................................................................................
a. Accounts payable. .................................................................................. 3066
b. Deferred compensation liabilities ........................................................... C011
c. Dividends declared but not yet payable ............. ............. ....................... 2932
Mil Thou
1.a.
1.b.
2.
3.
4.
4.a.
4.b.
4.c.
d. Derivatives with a negative fair value held for purposes other than
4.d.
4.e.
4.f.
~.E....................................................................................................3554
5. Total (sum of items 1 through 4) (must equal Schedule RC, item 20)................................................
1 For savings banks, indude "dividends" acced and unpaid on deposits.
2 See discussion of deferred income taxes in Glossary entry on "income taxes."
4.g.
5.
INSERT 0 - FFIEC 041 - SCHEDULE RC-F, ITEM 5
5. Life insurance assets:
a. General account life insurance assets ..................................................... xxx
b. Separate account life insurance assets ................ .............. ..................... xxx
c. Hybrid account life insurance assets ................ ................... .................... XXx
FFIEC 041
Page RC-21
§J
Schedule RC-K-Quarterly Averages1
Dollar Amounts in Thousands RCON Bil
ASSETS
1. Interest-bearing balances due from depository institutions............................... .................................
2. U.S. Treasury securities and U.S. Government agency obligations2 (excluding
1.
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.)...................................................................................................................................................
4.
5. Federal funds sold and securities purchased under agreements to reselL... ................ ......................
5.
6. Loans:
a. Total loans............................................................................... ......................................................
6.a.
b. Loans secured by real estate:
(1) Loans secured by 1-4 family residential properties................................................................
(2) All other loans secured by real estate.....................................................................................
c. Commercial and industrial loans...................................................................................................
d. Loans to individuals for household, family, and other personal expenditures:
(1) Credit cards.............................................................................................................................
(2) Other (includes single payment, installment, all student loans, and revolving credit plans
other than credit cards) ....................................................................... ....................................
6.b.(1 )
6.b.(2)
6.c.
6.d.(1 )
6.d.(2)
7. To be completed by banks with $100 millon or more in total assets:4
Trading assets....................................................................................................................................
8. Lease financing receivables (net of unearned income)......................................................................
9. Total assets
5 ..............................................................,.......................................................................
7.
8.
9.
LIABILITIES
10. Interest-bearing transaction accounts (NOW accounts, ATS accounts, and telephone and
preauthorized transfer accounts) (exclude demand deposits) ...........................................................
10.
11. Nontransaction accounts:
a. Savings deposits (includes MMDAs) ...........................................................................................
b. Time deposits of $100,000 or more...............................................................................................
c. Time deposits of less than $1 00,000.............................................................................................
12. Federal funds purchased and securities sold under agreements to repurchase ...............................
11.a.
11.b.
11.c.
12.
13. To be completed by banks with $100 milion or more in total assets:4
Other borrowed money (includes mortgage indebtedness and obligations under
capitalized leases)............................. .................................................................................................
13.
Memorandum
Memorandum item 1 is to be completed by.-4
banks with $300 millon or more in total assets, and
banks with less than $300 million in total assets that have loans to finance agricultural
production and other loans to farmers (Schedule RC-C, part i, item 3) exceeding 5 percent
of total loans.
1. Loans to finance agricultural production and other loans to farmers .................................................
1 For all items, banks have the option of reporting either (1) an average of DAILY figures for the quarter, or (2) an average of WEEKLY figures
(i.e., the Wednesday of each week of the quarter).
2 Quarterly averages for all debt securities should be based on amortzed cost.
3 Quarterly averages for all equity securities should be based on historical cost.
4 The asset size tests and the 5 perænt of total
loans test are generally based on the total assets and total
loans reported on the
June 30, 2999¡port of Conditio~ 2.() t 0 i
5 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.
M.1.
FFIEC 041
Page RC-22
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 RCON
1. Unused commitments:
a. Revolving, open-end lines secured by 1-4 family residential properties, e.g., home equity
lines...............................................................................................................................................
1.a.
Items 1.a.(1) and 1.a.(2) are to be completed for the December report only.
(1) Unused commitments for Home Equity Conversion Mortgage (HECM) reverse
mortgages outstanding that are held for investment (included in item 1.a. above).......
(2) Unused commitments for proprietary reverse mortgages outstanding that are held
for investment (included in item 1.a. above) ......................................................................
b. Credit card lines............................... .............................................................................................
1.a.(1 )
1.a.(2)
1.b.
Items 1.b.(1) and 1.b.(2) are to be completed by banks with either $300 milion or more
1 (Sum of items 1.b.(1) and
in total assets or $300 milion or more in credit card lines.
1.b.(2) must equal item 1.b)
(1) Unused consumer credit card lines ....................................................................................
1.b.(1 )
(2) Other unused credit card lines ............................................................................................
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
commitments ..... ...... ......... ...... ..... ........ .... ........ .... .......... ....... ............. ..................... ....... ...
(2) NOT secured by real estate ................................................... .................................................
d. Securities underwriting..................................................................................................................
e. Other unused commitments:
(1) Commercial and industrial loans ........................................................................................
(2) Loans to financial institutions .............................................................................................
(3) All other unused commitments ...........................................................................................
2. Financial standby letters of credit......................................................................................................
1.c.(1 )(a)
1.c.(1 )(b)
1.c.(2)
1.d.
1.e.(1 )
1.e.(2)
1.e.(3)
2.
1
/tem 2.a is to be completed by banks with $1 billon or more in total assets.
a. Amount of financial standby letters of credit conveyed to others........... 3820
3. Performance standby letters of credit ................................................................................................
Item 3.a is to be completed by banks with $1 billon 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 .............................................................................................
2.a.
3.
3.a.
4.
5. Not applicable
6. Securities lent (including customers' securities lent where the customer is
indemnified against loss by the reporting bank).................................................................................
(ColumnA)
Sold Protection
7. Credit derivatives:
RCON
6.
(Column B)
Purchased Protection
RCON
a. Notional amounts:
(1) Credit default swaps ..................................
(2) Total return swaps......................................
(3) Credit options.............................................
(4) Other credit derivatives ..............................
7.a.(1 )
7.a.(2)
7.a.(3)
7.a.(4)
b. Gross fair values:
(1) Gross positive fair value......... .............. ......
(2) Gross negative fair value.......... ............ .....
i The asset size tests and the $300 milion credit card lines test are generally based on the total assets and credit card lines reported
in the June 30, '2 Report of Condition.
2.~tol
7.b.(1 )
7.b.(2)
FFIEC 041
Page RC-23
~
Schedule RC-L-Continued
Dollar Amounts in Thousands RCON
Bil
Mil
Thou
.""..,...,... .:r
Fer:."
.
7. c. Notional amounts by regulatory capital treatment:1
(1 ) Positions covered under the Market Risk Rule:
G401
(a) Sold protection..................................................................................................................
G402
';.,;..;;;'
"y:.... .",,,:,'.,,
(b) Purchased protection............................. ...........................................................................
(2) All other positions:
G403
(a) Sold protection.... ..............................................................................................................
.J': ,,,..if;.:. '. .'. ..., "'..: ...,.;
Purchased
protection
that
is
recognized
as
a
guarantee
for
regulatory
capital
(b)
purposes...........................................................................................................................
G404
7.c.(1 )(a)
7.c.(1 )(b)
7.c.(2)(a)
7.c.(2)(b)
fif¿~¡2';
(c) Purchased protection that is not recognized as a guarantee for regulatory
G405
capital purposes.............................................................................. .................................
7.c.(2)(c)
Remaining Maturi of:
(ColumnA)
One Year or Less
(Column B)
Over One Year
(Column C)
Over Five Years
Through Five Years
Dollar Amounts in Thousands RCON
RCON Bil
7. d. Notional amounts by remaining maturity:
(1) Sold credit protection:2
7.d.(1 )(a)
(a) Investment grade ..................................
(b)Subinvestment grade ............................
(2) Purchased credit protection:3
(a) Investment grade ..................................
7.d.(1 )(b)
7.d.(2)(a)
7.d.(2)(b)
(b)Subinvestment grade ............................
Mil
Thou
8.
8. Spot foreign exchange contracts......................................................................... ............ ...................
9. All other off-balance sheet liabilities (exclude derivatives) (itemize and describe each component
of this item over 25% of Schedule RC, item 27.a, "Total bank equity capital" ...................................
a. Securities borrowed................................................................................
9.
9.a.
9.b.
b. Commitments to purchase when-issued securities................................
c. Standby letters of credit issued by a Federal Home Loan Bank on the
bank's behalf ..........................................................................................
e. 3556.
9.c.
9.d.
9.e.
f. 'W
9.f.
d.~~~
10. All other off-balance sheet assets (exclude derivatives) (itemize and
describe each component of this item over 25% of Schedule RC,
10.
item 27.a, "Total bank equity capital") ............. ........ .................. ..................
a. Commitments to sell when-issued securities.. .................................. .....
10.a.
10.b.
10.c.
10.d.
10.e.
b. ~~J
c. ~~
d. ~~
e. ~~
RCON Tril
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
Bil
Mil
Thou
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.
2 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.
11.a.
11.b.
FFIEC 041
Page RC-24
~
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.............................
b. Forward contracts............................
c. Exchange-traded option contracts:
(1) Written options ..........................
(2) Purchased options ....................
d. Over-the-counter option contracts:
(1) Written options ..........................
(2) Purchased options ....................
e. Swaps..............................................
13. Total gross notional amount of
derivative contracts held for trading.....
14. Total gross notional amount of
derivative contracts held for
purposes other than trading............ .....
a. Interest rate swaps where the
bank has agreed to pay a
fixed rate..........................................
15. Gross fair values of derivative
12.a.
12.b.
12.c.(1)
12.c.(2)
12.d.(1)
12.d.(2)
12.e.
13.
14.
14.a.
contracts:
a. Contracts held for trading:
(1) Gross positive fair value............
(2) Gross negative fair value ..........
b. Contracts held for purposes other
than trading:
(1) Gross positive fair value............
(2) Gross negative fair value ..........
15.a.(1)
15.a.(2)
15.b.(1 )
15.b.(2)
Guarantors
Firms
(Column C)
G460
Hedge Funds
2.0/bl
1 The $10 billon asset size test is generally based on the total assets reported on the June 30, 26, Report of Condition.
items 16.b.(1) through (7))
(8) Total fair value of collateral (sum of
(7) All other collateral........................... G453
(6) Equity securities....................................... G448
U.S. Government-sponsored agency
debt securities.......................................... G438
(5) Corporate bonds ...................................... G443
(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:
Dollar Amounts in Thousands I RCON
(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
G461
i i I
RCON
Sovereign
Governments
(Column D)
RCON' i
Other Counterparties
(Column E)
Corporations and All
16.b.(8)
16.b.(4)
16.b.(5)
16.b.(6)
16.b.(7)
16.b.(2)
16.b.(3)
16.b.(1 )
16.a.
~
Page RC-25
FFIEC 041
FFIEC 041
Page RC-26
Schedule RC-M-Memoranda
1. Extensions of credit by the reporting bank to its executive offcers, directors, principal
shareholders, and their related interests as of the report date:
a. Aggregate amount of all extensions of credit to all executive officers, directors, principal
shareholders, and their related interests............... ........................................................................
b. Number of executive offcers, directors, and principal shareholders to whom the amount of all
extensions of credit by the reporting bank (including extensions of credit to
related interests) equals or exceeds the lesser of $500,000 or 5 percent
of total capital as defined for this purpose in agency regulations...................... 6165
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 ......................................
c. All other identifiable intangible assets ...........................................................................................
d. Total (sum of items 2.a, 2.b, and 2.c) (must equal Schedule RC, item 10.b) ................................
3. Other real estate owned:
a. Construction, land development, and other land........................................................................... 5508
b. Farmland ....................................................................................................................................... 5509
c. 1-4 family residential properties ................................................................................................... 5510
d. Multifamily (5 or more) residential properties ................................................................................ 5511
e. Nonfarm nonresidential properties ................................................................................................ 5512
f. Foreclosed properties from "GNMA loans" .................................................................................... C979
g. Total (sum of items 3.a through 3.t) (must equal Schedule RC, item 7)........................................ 2150
~
1.a.
1.b.
2.a.
2.a.(1 )
2.b.
2.c.
2.d.
3.a.
3.b.
3.c.
3.d.
3.e.
3.f.
3.g.
4. Not applicable
5. Other borrowed money:
a. Federal Home Loan Bank advances:
(1) Advances with a remaining maturity or next repricing date of:1
(a) One year or less ...............................................................................................................
(b) Over one year through three years...................................................................................
(c) Over three years through five years .................................................................................
(d) Over five years .................................................................................................................
(2) Advances with a REMAINING MATURITY of one year or less (included in item 5.a.(1 )(a)
above)2 ...................................................................................................................................
(3) Structured advances (included in items 5.a.(1)(a)-d) above)................................................
5.a.(1 )(a)
5.a.(1 )(b)
5.a.(1 )(C)
5.a.(1 )(d)
5.a.(2)
5.a.(3)
b. Other borrowings:
(1) Other borrowings with a remaining maturity or next repricing date of:
(a) One year or less ...............................................................................................................
(b) Over one year through three years...................................................................................
(c) Over three years through five years ...................... ...........................................................
(d) Over five years .................................................................................................................
(2) Other borrowings with a REMAINING MATURITY of one year or less (included in item
5.b.(1 )(a) above)4 ........................................................ ..... .......................................................
c. Total (sum of items 5.a.(1 )(a)-d) and items 5.b.(1 )(a)-d)) (must equal Schedule RC,
item 16) ........................................................................................................................................ 3190
1 Report fixed rate advanæs by remaining maturity and floating rate advanæs by next repncing date.
2 Report both fixed and floating rate advanæs by remaining maturity. Exdude floating rate advanæs with a next repncing date of one year or
less that have a remaining maturity of over one year.
3 Report fixed rate other borrowings by remaining matunty and floating rate other borrowings by next repricing date.
4 Report both fixed and floating rate other borrowings by remaining maturity. Exdude floating rate other borrowings with a next repncing date
of one year or less that have a remaining maturity of over one year.
5.b.(1 )(a)
5.b.(1 )(b)
5.b.(1 )(c)
5.b.(1 )(d)
5.b.(2)
5.c.
FFIEC041
Page RG-27
~
Schedule RC-M-Continued
Dollar Amounts in Thousands RCON
6. Does the reporting bank sell private label or third-part mutual funds and annuities? ....... ............... B569
6.
7. Assets under the reporting bank's management in proprietary mutual funds and annuities..............
7.
8. Primary Internet Web site address of the bank (home page), if any
(Example: ww.examplebank.com)
8.
I ~gj 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 accunts through the Web site? .................................... ~ 9.
10. Secured liabilities:
a. Amount of "Federal funds purchased" that are secured (included in Schedule RC, item 14.a)....
b. Amount of "Other borrowings" that are secured (included in Schedule RC-M,
items 5.b.(1 )(a)-(d)) ......................................................................................................................
RCON I Bil I Mil I Thou
F064
\
I
I
10.a.
F065
I
I
I
10.b.
11. Does the bank act as trustee or custodian for Individual Retirement Accounts, Health Savings RCON
11.
Accounts, and other similar accounts? ........... ................ ........ .................. ....... .................. ................ G463
12. Does the bank provide custody, safekeeping, or other services involving the acceptance of orders
......... ........... ........
.......
.......
for the sale
or purchase of securities? . G464
~ RtPlo.~ "")~ ï~J~ËY T"tp
i".
bv loss-sharing agreements with the FDIC:
RCON
....................... J452
e RCi items 4.a and 4.b) ..........
a. Loans and leases (inc......... .
...................................... J453
..
b. Other real estate owned (Included in Schediil"
1A"1
uie RCi Items 2.a and 2.b) ...............................................
c. Debt securities (inc" ......
J462
..
, CllOlOets (excludina FDIC loss-sharina indemnification assetsL............................... ..
IN I€"T ~
12.
.."
II OU
13.a.
13.b.
13.c.
on
INSERT P - FFIEC 041 - SCHEDULE RC-M, ITEM 13
13. Assets covered by loss-sharing agreements with the FDIC:
a. Loans and leases (included in Scheule RC, items 4.a and 4.b):
(1) Loans secured by real estate:
(a) Construction, land development, and other land loans:
(1) 1-4 family residential construction loans XX
land development and other land loans XX
(b) Secured by farmland XX
~(~ ~;:' "', : '
(2) Other construction loans and all
(c) Secred 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:
.--J
(a) Secured by first liens XX
(b) Secured by junior liens XX
(d) Secured by multifamily (5 or more) residential properties 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) Not applicable
(3) Commercial and industrial
loans
(a)
Credit cards
(b) Automobile
loansXX
XX
(4) Loans to individuals for household, family, and other personal expenditures:
leases XX
(c) Other consumer loans (includes single payment, installment, all student loans,
and revolving credit plans other than credit cards) XX
(5) All other loans and all
Itemize the categories of loans and leases (as defined in Schedule RC-C, part I) included
in item 13.a.(5) above that exceed 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 governments and offcial institutions
(c) Other loans 1
Item 13.a.(5)(c)(1) is to be completed by:
. Banks with $300 million or more in total assets
. Banks with less than $300 millon in total assets that have loans to finance
agricultural prouction and other loans to farmers (Schedule RC-C, part i, item 3)
exceing five percnt of total
loans
(1) Loans to finance agricultural production and other loans to farmers included
in Schedule RC-M, item 13.a.(5)(c), above
(d) Lease financing reivables
b. Other real estate owned (included in Schedule RC, item 7):
(1) Construction, land development, and other land
(2) Farmland
(3) 1-4 family residential properties
(4) Multifamily (5 or more) residential properties
(5) Nonfarm nonresidential properties
XX
XX
XX
XX
XX
(6) Not applicable
(7) Portion of covered other real estate owned included in items 13.b.(1) through (5)
above that is proteced by FDIC loss-sharing agreements
XX
c. Debt seurities (included in Schdule RC. items 2.a and 2.b)
J461
d. Other assets (exclude FDIC loss-sharing indemnification assets)
J462
1 Includes -Loans to finance agricultural production and other loans to farmers," -Obligations
(other than secrities and loans) of states and political subdivisions in the U.S.,.. and "Loans to
nondepository financial institutions and other loans"
INSERT Q - FFIEC 041 - SCHEDULE RC-M, ITEM 14
14. Captive insurance and reinsurance subsidiaries: ~
a. Total assets of captive insurance 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 offices or consolidated subsidiaries of the reporting bank.
FFIEC041
RC-28
Page
§J
Schedule RC-N-Past Due and Nonaccrual Loans, Leases, and Other Assets
(ColumnA)
Past due
30 through 89
(Column B)
due 90
days or more
Past
days and stil
and stil
accruing
accruing
(Column C)
Nonaccrual
Thou
Dollar Amounts in Thousands RCON
1. Loans secured by real estate:
a. Construction, land development, and other
land loans:
(1) 1-4 family residential construction
(2)
1.a.(1 )
loans ........................................................... F172
land
Other construction loans and all
1.a.(2)
1.b.
development and other land loans.............. F173
b. Secured by farmland .......... ........ ......... ........ ...... 3493
c. Secured by 1-4 family residential properties:
(1) Revolving, open-end loans secured by
1-4 family residential properties and
extended under lines of credit....... ............. 5398
1.c.(1 )
(2) Closed-end loans secured by 1-4 family
residential properties:
1.c.(2)(a)
1.c.(2)(b)
(a) Secured by first liens ............................ C236
(b) Secured by junior liens ......................... C238
d. Secured by multifamily (5 or more) residential
properties..................... ................ ..................... 3499
e. Secured by nonfarr nonresidential
1.d.
properties:
owner-occupied
nonfarm nonresidential properties.. ............ F178
(1) Loans secured by
1.e.(1 )
(2) Loans secured by other nonfarm
1.e.(2)
nonresidential properties............ ................. F179
2. Loans to depository institutions and
acceptances of other banks .................... .......... ..... 8834
2.
3. Not applicable
4. Commercial and industrial
4.
loans ............................ 1606
5. Loans to individuals for household, family, and
other personal expenditures:
5.a.
a. Credit cards.. .....~l.~.~~.~.~~.~~!.~.~r..~.. 8575
ment, installment,
all student loans, and revolving credit ans
5.b
..................................... 8578
6. Loans to foreign governments and offcial
institutions............................................................. 5389
7. All other loans1..........,............................................ 5459
8. Lease financing receivables................................... 1226
5391
5461
1228
6.
7.
8.
9. Debt securities and other assets (exclude
other real estate owned and other repossessed
assets).................................................................... 3505
1 Includes past due and nonaccrual "Loans to finance agricultural production and other loans to farmers," "Obli9ations (other than securities
and leases) of states and political subdivisions in the U.S.," and "Loans to nondepository financial instiutions and other loans."
9.
INSERT R - FFIEC 041 - SCHEDULE RC-N, 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
FFIEC041
RC-29
Page
§J
Schedule RC-N-Continued
Amounts reported in Schedule RC-N, items 1 through 8, above include guaranteed and unguaranteed portions of past due
and nonaccrual loans and leases. Report in item 10 below certain guaranteed loans and leases that have already been
included in the amounts reported in items 1 through 8.
(ColumnA)
Past due
30 through 89
(Column B)
due 90
days or more
Past
days and stil
and stil
accruing
accruing
(Column C)
Nonaccrual
10.
10.a.
ì) R~plf.~ viìtf II'HEftT CD
INSERT S - FFIEC 041 - 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.
Government, excluding loans and leases covered by
loss-sharlng agreements with the FDIC
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
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
xx
XX
XX
XX
xx
xx
xx
xx
xx
xx
FDIC:
a. Loans secured by real estate:
(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 secured by 14 family residential properties and extended
under lines of credit
(b) Closed~nd loans seured 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 seured by owner-oupied
nonfarm nonresidential properties
(b) Loans secured by other nonfarm
nonresidential properties
b. Not applicable
c. Commercial and industrial loans
d. Loans to individuals for household, family, and
other personal expenditures:
(1) Creit cards
,t "~ w ~ ""J ( . ' '" : ","" ,; ~
"'___Im___"'___
J;¡
,"
" ~,J
'"),
"1
&,J
i~ .'w,1
,!;! ",.I"
XX
(2) Automobile loans
XX
XX
(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 (d):
(1) Loans to depository institutions and
accptances of other banks
(2) Loans to foreign govemments and offcial
institutions
(3) Other loans 1
Item 11.e.(3)(a) is to be completed by:
. Banks with $300 million or more in total assets
. Banks with less than $300 millon in total assets
that have loans to finance agricultural prouction
and other loans to farmers (Schedule RC-C, part
i, item 3) exceing five percent of total
loans
(a) Loans to finance agricultural production
and other loans to farmers included in
Schule RC-N, item 11.e.(3), above
(4) Lease financing recivables
f. Portion of covere loans and leases included in
items 11.a through 11.e above that is proteced by
FDIC loss-sharing agreements
XX
XX
XX
1 Includes "Loans to finance agricultural prouction and other loans to farmers," "Obligations (other than securities and loans) of states and
political subdivisions in the U.S.," and "Loans to nondepository financial institutions and other loans."
FFIEC 041
Page RC-30
§J
Schedule RC-N-Continued
(ColumnA)
Past due
R~tl/Á'~ ..ìtiI.,.rt~:r CY
Memoranda
30 through 89
(Column B)
due 90
days or more
Past
days and stil
and stil
accruing
accruing
811 Mil
Dollar Amounts in Thousands
1. red loans and leases included in
(Column C)
Nonaccrual
Schedule RC- , through 8, above
(and not reported in Schedule rt I,
Memorandum item 1):
a. Loans secured by 1-4 family residential
properties........................................... .
M.1.a.
lea u e loans
b. Other loans and all
to indivi ousehold, family, and
er personal expenditures)............................. 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
M.2.
3. Memorandum items 3.a. through 3.d are to be
completed by banks with $300 milion or more
in total assets:1
a. Loans secured by real estate to non-U.S.
addressees (domicile) (included in
Schedule RC-N, item 1, above)......................... 1248
b. Loans to and accptances of foreign banks
(included in Schedule RC-N, item 2, above) ..... 5380
loans to non-U.S.
addressees (domicile) (included in
M.3.a.
M.3.b
c. Commercial and industrial
Schedule RC-N, item 4, above)......................... 1254
d. Leases to individuals for household, family,
and other personal expenditures (included
in Schedule RC-N, item 8, above)..................... F166
M.3.c.
M.3.d.
Memorandum item 4 is to be completed by:1
banks with $300 million or more in total assets
banks with less than $300 milion in total
assets that have loans to finance agricultural
production and other loans to farmers
(Schedule RC-C, part i, item 3) exceeding
five percent of total
loans:
4. Loans to finance agricultural production
and other loans to farmers (included in
Schedule RC-N, item 7, above) ............................. 1594
MA.
5. Loans and leases held for sale and loans
measured at fair value (included in Schedule
RC-N, items 1 through 8, above):
a. Loans and leases held for sale.......................... C240
b. Loans measured at fair value:
(1) Fair value .................................................... F664
(2) Unpaid principal balance..................... ........ F667
1 The $300 milion asset size test and the five percent of total
June 30, 26 Report of Condition.
2.6/0)
loans test are generally based on the total assets and total loans reported on the
M.5.a.
M.5.b.(1)
M.5.b.(2)
INSERT T - FFIEC 041 - 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:
(1) 1-4 family residential construction loans XX
XX
XX
and other land loans XX
XX
XX
F662
F663
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
XX
RG-N, Memorandum item 1.f.(6). above XX XX
XX
(2) Other construction loans and all land development
b. Loans seured by 1-4 family residential properties F661
c. Secured by multifamily (5 or more) residential properties
d. Secured by nonfarm nonresidential properties:
(1) Loans secured by owner-ocupied nonfarm
nonresidential properties
(2) Loans secure by other nonfarm nonresidential
properties
e. Commercial and industrial loans:
Memorandum items 1.e.(1) and (2) are to be completed by
banks with $300 millon or more in total assets. (Sum of
Memorandum items 1.e.(1) and (2) must equal
Memorandum item 1.e.)
(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
troubled debt restructurings that are past due 30 days or
more or in nonaccal status (sum of Memorandum items
1.a through 1.e plus 1.1, columns A through C):
above that exceed 10% of total
(1) Loans seured by farmland
(2) Loans to depository institutions and accptances
of other banks
(3) Not applicable
(4) Loans to individuals for household, family, and
other persnal expenditures:
(a) Credit cards
(b) Automobile loans
(c) Other consumer loans (includes single
paymnt, installment, all student loans, and
revolving credit plans other than credit cards)
(5) Loans to foreign governments and offcial
institutions
(6) Other loans 1 xx XX
Memorandum item 1..(6)(a) is to be completed by:
. Banks with $300 million or more in total assets
. Banks with less than $300 milion in total assets that
have loans to finance agricultural production and
other loans to farmrs (Schedule RC-C, part i, item 3)
exceing five percent of total
loans
(a) Loans to finance agricultural production and
other loans to farmers included in Schedule
1 Includes "Loans to finance agricultural prouction and other loans to farmrs," "Obligations (other than serities and
loans) of states and political subdivisions in the U.S.," and "Loans to nondepository financial institutions and other
loans."
FFIEC 041
Page RC-31
§J
Schedule RC-N-Continued
Memoranda-Continued
(ColumnA)
Past due 30
Dollar Amounts in Thousands
through 89 days
(Column B)
Past due 90
days or more
Memorandum item 6 is to be completed by
banks with $300 millon or more in total assets:1
6. Derivative contracts:
M.6.
Fair value of amounts carried as assets ................ 3529
RCON
Bil
Mil
Thou
accrual assets during the quarter................. ............ ................................. ............... C410
8. Nonaccrual assets sold during the quarter......................................................................................... C411
M.7.
M.8.
7. Additions to non
10/0,
1 The $300 millon asset size test is generally based on the total assets reported on the June 30, 2Ø Report of Condition.
Schedule RC-O-Other Data for Deposit Insurance and FICO Assessments
a..d
All banks must complete items 1 and 2, items 7 through 9, Memorandum item 1, and, if applicable, Memorandum items 2",3)(
-a each quarter. Each bank that reported $1 billion or more in total assets in its March 31, 2007, Report of Condition must
complete items 4 and 5 each quarter. In addition, each bank that reported $1 bilion or more in total assets in two consecutive Reports of Condition beginning with its June 30, 2007, report must begin to complete items 4 and 5 each quarter starting
six months after the second consecutive quarter in which it reports total assets of $1 bilion or more. Each bank that becomes
1, 2007, must complete items 4 and 5 each quarter. Any other bank may choose to cominsured by the FDIC on or after April
plete items 4 and 5, but the bank must then continue to complete items 4 and 5 each quarter thereafter.
Dollar Amounts in Thousands
1. Total deposit liabilities before exclusions (gross) as defined in Section 3(1) of the Federal
1.
Deposit Insurance Act and FDIC regulations .....................................................................................
2. Total allowable exclusions, including interest accrued and unpaid on allowable exclusions .............
2.
3. Not applicable
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 ............... ... ... .............. ..... .......... ............ ......... ... ...... ............... .................... ......
4.
5.
6. Not applicable
7. Unsecured "Other borrowings" with a remaining maturity of (sum of items 7.a through 7.d must be
less than or equal to Schedule RC-M, items 5.b.(1)(aHd) minus item 10.b):
a. One year or less ............................................................................................................................
b. Over one year through three years ...............................................................................................
7.a.
7.b.
7.c.
7.d.
c. Over three years through five years.............................. ...... ........... ....... ........... ............ .......... .......
d. Over five years ..............................................................................................................................
8. Subordinated notes and debentures with a remaining maturity of (sum of items 8.a through 8.d
must equal Schedule RC, item 19):
a. One year or less............................................................................................................................
b. Over one year through three years ...............................................................................................
c. Over three years through five years ............................................... ................................ ...... .........
d. Over five years......................................................................................................................... .....
9. Reciprocal brokered deposits (included in Schedule RC-E, Memorandum item 1.b) ........................
G469
G470
8.a.
8.b.
G471
8.c.
8.d.
9.
G472
G803
FFIEC 041
Page RC-32
~
Schedule RC-Q-Continued
Memoranda
Dollar Amounts in Thousands
1. Total assessable deposits of the bank, including related interest accrued and unpaid (sum of
Memorandum items 1.a.(1), 1.b.(1), 1.c.(1), and 1.d.(1) must equal Schedule RC-O, item 1
less item 2):
a. Deposit accounts (excluding retirement accounts) of $250,000 or less:1
(1) Amount of deposit accounts (excluding retirement accounts) of $250,000 or less.................. F049
M.1.a.(1 )
of deposit accounts (excluding retirement accounts) Number
(2) Number
of $250,000 or less ........................................................................... F050
b. Deposit accounts (excluding retirement accounts) of more than $250,000:1
(1) Amount of deposit accounts (excluding retirement accounts) of more than $250,000............ F051
(2) Number of deposit accounts (excluding retirement accounts) Number
of more than $250,000...................................................................... F052
M.1.a.(2)
M.1.b.(1 )
M.1.b.(2)
c. Retirement deposit accounts of $250,000 or less:1
(1) Amount of retirement deposit accounts of $250,000 or less.................................................... F045
Number
M.1.c.(1 )
M.1.c.(2)
M.1.d.(1 )
M.1.d.(2)
Memorandum item 2 is to be completed by banks with $1 bilion or more in total assets.2
2. Estimated amount of uninsured assessable deposits, including related interest accrued and
unpaid (see instructionsp ................................................................................................................... 5597
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
~ation:
TEXT
A545
Dollar Amounts in Thousands
emo items 4.a and 4.b are to be completed by al/ banks participating in the
Die Transaction Guarantee Program.
4. Noninterest-bearing transaction ts (as defined in Part 370 of the FDIC's
regulations) of more than $250,000 (see instru .
a. Average daily amount of noninterest-bearing transa unts of more than
$250,000 (including balances swept ff1 nterest-bearing transa' counts
to non
Interest-bearing s ccounts) . ........................................................... ................
b. Average er of noninterest-bearing transaction Number
ounts of more than $250,000 (rounded to two decimal places).. J652
'1, NO~ ~pl;c"bic.
Memorandum items 5.a and 5.b are to be completed by al/ 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 noninterest-bearing transaction accounts of more than $250,000....................... J944
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 insuranæ limits in effect on the
report date excluding the temporary unlimited insuranæ coverage on noninterest-bearing transacton accounts. 2- 0 I 0 ¡
2 The $1 billion asset size test is generally based on the total assets reported on the June 30, -í eport of Condition.
3 Uninsured assessable deposits should be estimated based on the deposit insuranæ limits set fo in Memorandum items 1.a through 1.d
and the temporary unlimited insuranæ coverage on noninterest-bearing transaction accounts, but without taking into account a bank's participation in the FDIC's Debt Guarantee Program.
M.2.
FFIEC 041
~
Page RC-33
Schedule RC-P-1-4 Family Residential Mortgage Banking Activities
Schedule RC-P is to be completed by (1) all banks with $1 billon or more in total assets1 and (2) banks with less than $1 billon
in total assets at which either 1-4 family residential mortgage loan originations and purchases for resale2 from all sources, loan
sales, or quarter-end loans held for sale exceed $10 millon for two consecutive quarters.
Dollar Amounts in Thousands
1. Retail originations during the quarter of 1-4 family residential mortgage loans for
sale2:
a. Closed-end first liens.....................................................................................................................
b. Closed-end junior liens..................................................................................................................
c. Open-end loans extended under lines of credit:
(1) Total commitment under the lines of credit .............................................................................
(2) Principal amount funded under the lines of credit......... ................................. ........................
2. Wholesale originations and purchases during the quarter of 1-4 family residential
mortgage loans for sale:2
a. Closed-end first liens.....................................................................................................................
b. Closed-end junior liens..................................................................................................................
c. Open-end loans extended under lines of credit:
(1) Total commitment under the lines of credit .............................................................................
(2) Principal amount funded under the lines of credit.................................................................
3. 1-4 family residential mortgage loans sold during the quarter:
a. Closed-end first liens.....................................................................................................................
b. Closed-end junior liens..................................................................................................................
c. Open-end loans extended under lines of credit:
(1) Total commitment under the lines of credit .............................................................................
(2) Principal amount funded under the lines of credit.................................................................
4. 1-4 family residential mortgage loans held for sale at quarter-end (included in
Schedule RC, item 4.a):
a. Closed-end first liens.....................................................................................................................
b. Closed-end junior liens..................................................................................................................
c. Open-end loans extended under lines of credit:
(1) Total commitment under the lines of credit .............................................................................
(2) Principal amount funded under the lines of credit. .......... ............. ........... ......................... .....
5. Noninterest income for the quarler from the sale, securitization, and servicing of 1-4 family
residential mortgage loans (included in Schedule RI, items 5.f, 5.g, and 5.i):
a. Closed-end 1-4 family residential mortgage loans .......................................................................
b. Open-end 1-4 family residential mortgage loans extended under lines of credit .........................
6. Repurchases and indemnifications of 1-4 family residential mortgage loans during the
1.a.
1.b.
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.
4.c.(1 )
4.c.(2)
5.a.
5.b.
quarler:
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 ............................................................................. F680
(2) Principal amount funded under the lines of credit.................................. ....... ................... ..... F681
1.0io,
Report of Condition.
2 Exdude originations and purchases of 1-4 family residential mortgage loans that are held for investment.
1 The $1 billon asset size test is generally based on the total assets reported on the June 30, 29
6.a.
6.b.
6.c.(1 )
6.c.(2)
liabilities measured at fair value on a
recurring basis (sum of items 8 through 13)........1 G531
14. Total
13. All other liabilities................ .......... .......... ............ G805
11. Other borrowed money............................... ........ G521
12. Subordinated notes and debentures.. ................. G526
a. Derivative liabilities......................................... 3547
b. Other trading liabilities.................................... G516
9. Federal funds purchased and securities sold
under agreements to repurchase
10. Trading liabilities:
8. Deposits
LIABILITIES
item 6)
6. All other assets............................................... ..... G391
7. Total assets measured at fair value on a
recurring basis (sum of items 1 through 5.b plus
Schedule RC-Q, item 5.b, above) ............1 F240
with changes in fair value reported in
current earnings (included in
(1) Nontrading securities at fair value
a. Derivative assets................ ..... ................. ......
b. Other trading assets....... ................ ................
5. Trading assets:
4. Loans and leases held for investment................ G488
3. Loans and leases held for sale.................................... G483
under agreements to resell ................................. G478
2. Federal funds sold and securities purchased
1. Available-for-sale securities
ASSETS
Dollar Amounts in Thousands I RCON I
Reported on
Schedule RC
(ColumnA)
Total Fair Value
RCON' -, i -
ofTotal Fair Value
(Column B)
LESS: Amounts Netted
in the Determination
1 Fair Value
(Column C)
G513
G518
G523
G528
G807
Measurements
Level
2 Fair Value
(Column D)
G514
G519
G524
G529
G808
Measurements
Level
G515
G520
G525
G530
G809
Mil I Thou
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 assets of less than $500 milion as of the beginning of their fiscal year and either:
(a) Have elected to report financial instruments or servicing assets and liabilities at fair value under a fair value option with changes in fair value recognized in earnings, or
(b) Are required to complete Schedule RC-D, Trading Assets and Liabilities.
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.
5.b.(1)
6.
5.a.
5.b.
2.
3.
4.
1.
~
Page RC-34
FFIEC 041
G556
G561
TEXT
G561
G556
G551
TET
f.
e.
d.
C.
G581
TEXT
G581
TEXT
GS8
G586
G576
TET
G576
G571
TEXT
G571
a. Loan commitments (not accounted for as
derivatives) ..................................................... F261
b. NQading derivative liabilities....................... G566
of item 13):
2. All other liabilities (itemize and describe
amounts included in Schedule RC-Q, item 13,
that are greater than $25,000 and exceed 25%
f.
e.
d.
G546
TEXT
G551
c. G546
TEXT
b. ~~ding derivative assets..................... .....
G541
1. All other assets (itemize and describe amounts
included in Schedule RC-Q, item 6, that are
greater than $25,000 and exceed 25% of
item 6):
a. Mortgage servicing assets............... ............... G536
Memoranda
Reported on
Schedule RC
(ColumnA)
Total Fair Value
Dollar Amounts in Thousands I RCON I
Schedule RC-Q-Continued
F689
G567
G572
G577
G582
G587
G537
G542
G547
G552
G557
G562
RCON I Bil I .... I .
ofTotal Fair Value
(Column B)
LESS: Amounts Netted
in the Determination
1 Fair Value
(Column C)
F697
G568
G573
G578
G583
G588
G538
G543
G548
G553
G558
G563
Measurements
Level
(Column D)
F262
G569
G574
G579
G584
G589
G539
G544
G549
G554
G559
G564
Measurements
Level 2 Fair Value
(Column E)
3 Fair Value
F263
G570
G575
G580
G585
G590
G540
G545
G550
G555
G560
G565
Measurements
Level
M.2.d.
M.2.e.
M.2.f.
M.2.C.
M.2.a.
M.2.b.
M.1..
M.1.a.
M.1.b.
M.1.c.
M.1.d.
M.1.e.
§J
Page RC-35
FFIEC 041
FFIEC 041
Page RC-36
~
Schedule RC-R-Regulatory Capital
Tier 1 capital
1. Total bank equity capital (from Schedule RC, item 27.a) ...................................................................
2. LESS: Net unrealized gains (losses) on available-for-sale securities1 (if a gain, report as a
positive value; if a loss, report as a negative value)...........................................................................
3. LESS: Net unrealized loss on available-for-sale EQUITY securities1 (report loss as a positive
value) ...................................................................................................................................,............. A221
4. LESS: Accumulated net gains (losses) on cash flow hedges1 (if a gain, report as a positive
value; if a loss, report as a negative value)........................................................................................ 4336
5. LESS: Nonqualifying perpetual preferred stock ....... ...... ............................... .......... ............. .............. B588
6. Qualifying noncontrolling (minority) interests in consolidated subsidiaries ........................................ B589
7. a. LESS: Disallowed goodwill and other disallowed intangible assets.............................................. B590
b. LESS: Cumulative change in fair value of all financial
1.
2.
3.
4.
5.
6.
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
value)............................................................................................................................................. F264
8. Subtotal (sum of items 1 and 6, less items 2, 3,4, 5, 7.a, and 7.b) ................................................... C227
9. a. LESS: Disallowed servicing assets and purchased credit card relationships ............................... B591
b. LESS: Disallowed deferred tax assets .......................................................................................... 5610
10. Other additions to (deductions from) Tier 1 capital ............................................................................ B592
less items 9.a and 9.b)........................................................... 8274
11. Tier 1 capital (sum of items 8 and 10,
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......................... 2221
16. Other Tier 2 capital components ................................ ....................................................................... B594
17. Tier 2 capital (sum of items 12 through 16)....................................................................................... 5311
18. Allowable Tier 2 capital (lesser of item 11 or 17)............................................................................... .
8275
7.b.
8.
9.a.
9.b.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19. Tier 3 capital allocated for market risk ............................................................................................... 1395
19.
20. LESS: Deductions for total risk-based capital.................................................................................... B595
20.
21.
21. Total risk-based capital (sum of items 11, 18, and 19, less item 20).................................................. 3792
Total assets for leverage ratio
22. Average total assets (from Schedule RC-K, item 9) ......................................................................... .
3368
23. LESS: Disallowed goodwil and other disallowed intangible assets (from item 7.a above) .............. .
B590
24. LESS: Disallowed servicing assets and purchased credit card relationships (from item 9.a above) B591
25. LESS: Disallowed deferred tax assets (from item 9.b above)........................................................... . 5610
26. LESS: Other deductions from assets for leverage capital purposes................................................. .
B596
27. Average total assets for leverage capital purposes (item 22 less items 23 through 26) ................... . A224
Adjustments for financial subsidiaries
28. a. Adjustment to Tier 1 capital reported in item 11 ............................................................................ C228
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."
22.
23.
24.
25.
26.
27.
28.a.
28.b.
29.
30.
FFIEC 041
Page RC-37
§J
Schedule RC-R-Regulatory Capital-Continued
Capital ratios
(ColumnA)
(Column B is to be completed by all banks. Column A is to be completed by
Percentage
RCON
banks with financial subsidiaries.)
7273
31. Tier 1 leverage ratio 1 .... ........ ..... ..................................................................
32. Tier 1 risk-based capital ratio2.................................. ............ ....................... 7274
33. Total risk-based capital rati03 .............. ..... .................... ............................... 7275
(Column B)
RCON
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
ventures, intangible assets, and other assets.
1 Includes premises and fixed assets, other real estate owned, investments in unconsolidated subsidiaries and associated companies, direct and indirect investments in real estate
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
(Column A equals the sum of Schedule RC items 1.a
and 1.b)
34. Cash and balances due from depository institutions
Balance Sheet Asset Categories
Dollar Amounts in Thousands
Items Not
Subject to
Totals
(from
Schedule RC)
(Column B)
(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
risk-weight analysis it wishes to penorm. 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 041
~
Page RC-38
Amount
or Notional
Face Value
(Column A)
Credit
Conversion
Factor
Amount1
Credit
Equivalent
(Column B)
0%
20%
50%
100%
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 an instiution-specific factor. For other financial standby letters of
credit, use a credit conversion factor of 1.00. See instrctions for further information.
3 Or institution-specific factor.
54. Derivative contracts.............. ................
52. All other off-balance sheet
liabilities... ............. ..... ...... .... ....... ..........
53. Unused commitments:
a. With an original maturity
exceeding one year .................. .......
b. With an original maturity of one year
or less to asset-backed commercial
paper conduits.................................
recourse
dollar-for-dollar capital requirement .....
51. All other financial assets sold with
rule and residual interests subject to a
(other than financial standby letters of
credit) subject to the low-level exposur
obligations sold with recourse..............
50. Recourse and direct credit substitutes
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
44. Financial standby letters of credit.......
45. Performance standby letters of
Derivatives and Off-Balance Sheet Items
Dollar Amounts in Thousands
Schedule RC-R-Continued
54.
53.b.
53.a.
52.
51.
50.
49.
48.
47.
46.
45.
44.
§J
Page RC-39
FFIEC 041
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)
55. Total assets, derivatives, and off-balance sheet items by risk-weight category (for each
column, sum of items 43 through 54)..........................................................................................
56. Risk-weight factor............................... ................... ......................................................................
57. Risk-weighted assets by risk-weight category (for each column, item 55 multiplied by
Totals
Schedule RC-R-Continued
M.1
62.
61.
60.
59.
58.
57.
55.
56.
§J
Page RC-40
FFIEC 041
f. Equity derivative contracts AOOO
e. Other commodity contracts .................................................................................. 8777
d. Other precious metals contracts........................................................................... 8774
c. Gold contracts .........................,.............................".........,................................... 8771
1 Exclude 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:
(Column B)
Over one year
One year or less
A001
8766
8769
8772
8775
8778
RCON I Trill Bil I Mil I Thou
through five years
i i
With a remaining maturity of
(ColumnA)
Dollar Amounts in Thousands I RCON I Trill Bil I Mil I Thou
a. Interest rate contracts........................................................................................... 3809
b. Foreign exchange contracts................................................................................. 3812
2. Notional principal amounts of derivative contracts:1
Memoranda-Continued
Schedule RC-R-Continued
8767
8770
8773
8776
8779
A002
(Column C)
Over five years
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-41
FFIEC 041
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
b. 90 days or more past due.................
a. 30-9 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
1. Outstanding principal balance of
assets sold and securitized by the
reporting bank with servicing retained
or with recourse or other sellerprovided credit enhancements
2. Maximum amount of credit exposure
arising from recourse or other sellerprovided credit enhancements
provided to structures reported in
item 1 in the form of:
a. Credit-enhancing interest-only strips
(included in Schedules RC-B or
RC-F or in Schedule RC, item 5)......
Bank Securitization Activities
Dollar Amounts in Thousands
Residential
Loans
1-4 Family
(Column A)
Receivables
Loans
and Industrial
Other
Consumer
Loans
Auto
Credit
Card
Home
Equity
Lines
Loans
(Column G)
All Other Loans,
All Leases, and
All Other Assets
(Column F)
Commercial
(Column E)
(Column D)
(Column C)
(Column B)
Schedule RC-S-Servicing, Securitization, and Asset Sale Activities
5.b.
5.a.
4.b.
4.a.
3.
2.c.
2.b.
2.a.
1.
~
Page RC-42
FFIEC 041
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
Equity
Lines
1-4 Family
Residential
Loans
Loans
Auto
Credit
Card
Home
Receivables
(Column D)
(Column C)
(Column B)
(Column A)
Other
Consumer
Loans
Loans
and Industrial
(Column G)
All Other Loans,
All Leases, and
All Other Assets
(Column F)
Commercial
(Column E)
10.
9.
8.b.
8.a.
7.b.
7.a.
6.b.
6.a.
~
Page RC-43
FFIEC 041
Residential
Loans
1-4 Family
(ColumnA)
Loans
Dollar Amounts in Thousands I RCON
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)
~
MA.
M.3.b.(1)
M.3.b.(2)
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.
1 Memorandum item 2.c is to be completed if the principal balanæ of other financial assets serviæd for others is more than $10 million.
2 Memorandum item 4 is to be completed by banks that (1) together with affliated institutions, have outstanding credit card reæivables (as defined in the instructions) that exæed $500 million as
of the report date or (2) are credit card specialty banks as defined for Uniform Bank Performance Report purposes.
(1) Conduits sponsored by the bank, a bank affliate, or the bank's holding company ...................................................................................... B808
(2) Conduits sponsored by other unrelated institutions...................... ......... .............. .................................. ....................................................... B809
4. Outstanding credit card fees and finance charges included in Schedule RC-S, item 1, column C2........................................................................ C407
(1) Conduits sponsored by the bank, a bank affliate, or the bank's holding company ......................................................................................1 B806
(2) Conduits sponsored by other unrelated institutions.... ...... ............ ......... ....................................................................................................... B807
b. Unused commitments to provide liquidity to conduit structures:
and open-end loans)
3. Asset-backed commercial paper conduits:
a. Maximum amount of credit exposure arising from credit enhancements provided to conduit structures in the form of standby letters of
credit, subordinated securities, and other enhancements:
d. 1-4 family residential mortgages serviced for others that are in process of foreclosure at quarter-end (includes closed-end
c. Other financial assets (includes home equity lines)1................................................................................................................ A591
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 ..........,......................................................................................................................................,...........................1 A249
b. Amount of retained recourse on these obligations as of the report date............................................................................................................. A250
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.................................... B804
b. Closed-end 1-4 family residential mortgages serviced with no recourse or other servicer-provided credit enhancements............................... B805
Memoranda
12. Maximum amount of credit exposure
arising from recourse or other sellerprovided credit enhancements provided to assets reported in item 11 ......
bank .....................................................
Bank Asset Sales
11. Assets sold with recourse or other
seller-provided credit enhancements
and not securitized by the reporting
Dollar Amounts in Thousands
Schedule RC-S-Continued
Page RC-44
FFIEC 041
FFIEC 041
Page RC-45
~
Schedule RC- T -Fiduciary and Related Services
1. Does the institution have fiduciary powers? (If "NO," do not complete Schedule RC-T.)..............
1.
2. Does the institution exercise the fiduciary powers it has been granted? .............................. .......
2.
3. Does the institution have any fiduciary or related activity (in the form of assets or accounts)
to report in this schedule? (If "NO," do not complete the rest of Schedule RC- T.) ........................
3.
If the answer to item 3 is "YES," complete the applicable items of Schedule RC- T, as follows:
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:
. Items4through22~o.V\t4 MtmCl"a."J",,, ltt'rn 3
. Items 23 through 26 annually with the December report, and
. Memorandum items 1) tt:rel:SR 4 annually with the December report.
2., ''''\.,
Institutions with total fiduciary assets (item 10, sum of columns A and B) greater than $100 milion 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.
(ColumnA)
Managed
(Column B)
(Column C)
Non-Managed
Number of
Assets
Assets
Managed
Accounts
(Column D)
Number
of
Non-Managed
Accounts
Dollar Amounts in Thousands Tnl
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
RCON 8874
RCON 8875
contribution....................................... .
b. Employee benefit-defined
benefit................................................
RCON8878
RCON 8879
c. Other employee benefi and
RCON 682
RCON 6883
RCONCOO1
RCON C002
RCON 6888
RCON J254
RCON J257
RCONJ258
RCON 8892
RCON 8893
RCON 8896
RCON 8897
5.a.
5.b.
5.C.
retirement-related accounts...............
6. Corporate trust and agency accounts ....
7. Investment management and
6.
7.
investment advisory agency accounts. ..
8. Foundation and endowment trust and
8.
agency accounts ............................. .......
9.
9. Other fiduciary accounts ........................
10. Total fiduciary accounts (sum of items 4
through 9)...............................................
10.
FFIEC 041
Page RC-46
~
Schedule RC- T -Continued
(ColumnA)
Managed
(Column B)
(Column C)
Non-Managed
Number of
Assets
Assets
Managed
Accounts
(Column D)
Number
of
Non-Managed
Accounts
Dollar Amounts in Thousands Tril
11.
11. Custody and safekeeping accounts.......
12. Not applicable
13. Individual Retirement Accounts, Health
Savings Accounts, and other similar
accounts (included in items 5.c and 11).
13.
FIDUCIARY AND RELATED SERVICES INCOME
14. Personal trust and agency accounts.............................................................................................. 8904
14.
15. Employee benefi and retirement-related trust and agency accounts:
a. Employee benefi-defined contribution.................................................................................... 8905
b. Employee benefit-defined benefi..................................................... ...................................... 8906
c. Other employee benefi and retirement-related accounts ......... .......... ...................................... 8907
15.a.
15.b.
15.c.
16.
17.
18.
19.
20.
21.
16. Corporate trust and agency accounts ............................................................................................ A479
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 ............................................................................................... 8909
21. Other fiduciary and related services income .................................................................................. 8910
22. Total gross fiduciary and related services income (sum of items 14 through 21) (must equal
22.
23.
24.
25.
26.
Schedule RI, item 5.a).................................................................................................................... 4070
23. Less: Expenses..............................................................................................,............................... C058
24. Less: Net losses from fiduciary and related services................ ............. ...... ........... ....................... A488
25. Plus: Intracompany income credits for fiduciary and related services ........................................... 8911
26. Net fiduciary and related services income.. .......................... ...... .................. ....................... .......... A491
(ColumnA)
Personal Trust and
Agency
and
Investment
Management Agency
Accounts
Memoranda
Dollar Amounts in Thousands RCON
(Column B)
Employee Benefit and
(Column C)
All Other Accounts
Retirement-Related
Trust and Agency
Accounts
Bil
Mil Thou
1. Managed assets held in fiduciary accounts:
a. Noninterest-bearing deposits ....................... J263
b. Interest-bearing deposits.............................. J266
M.1.a.
M.1.b.
c. U.S. Treasury and U.S. Government
agency obligations......... .......... ............... ...... J269
d. State, county, and municipal obligations ...... J272
e. Money market mutual funds......................... J275
f. Equity mutual funds...................................... J278
g. Other mutual funds....................................... J281
M.1.c.
M.1.d.
M.1.e.
M.1.f.
M.1.g.
h. Common trust funds and collective
investment funds ... .................. ..................... J284
i. Other short-term obligations......................... J287
j. Other notes and bonds................................. J290
k. Investments in unregistered funds and
private equity investments............................ J293
M.1.h.
M.1.i.
M.1.j.
M.1.k.
FFIEC 041
Page RC-47
~
Schedule RC- T -Continued
(Column A)
(Column B)
(Column C)
Personal Trust and
Agency
and
Investment
Employee Benefit and
Retirement-Related
All Other Accounts
Management Agency
Accounts
Trust and Agency
Memoranda-Continued Accounts
Dollar Amounts in Thousands RCON
1. i. Other common and preferred stocks ............ J296
m. Real estate mortgages................................. J299
n. Real estate ................................................... J302
o. Miscellaneous assets ................................... J305
p. Total managed assets held in fiduciary
accounts (for each column, sum of
Bil
Mil
Thou RCON
Bil
Mil
Thou RCON
J297
J300
J303
J306
Bil
Mil
Thou
J298
M.1.1.
J301
M.1.m.
M.1.n.
M.1.0.
J304
J307
M.1.p.
Memorandum items 1.a through 1.0) ........... J308
(ColumnA)
(Column B)
Managed Assets
Number of Managed
Accounts
Dollar Amounts in Thousands RCON
1. q. Investments of managed fiduciary accounts in advised or sponsored
mutual funds....................................................................................... J311
M.1.q.
(Column B)
Principal Amount
Outstanding
Dollar Amounts in Thousands
Thou
2. Corporate trust and agency accounts:
a. Corporate and municipal trusteeships............................................................... B927
M.2.a.
(1) Issues reported in Memorandum item 2.a that are in default.................... J313
b. Transfer agent, registrar, paying agent, and other corporate agency............... B929
M.2.a.(1 )
M.2.b.
(ColumnA)
(Column B)
Number of
Market Value of
Funds
Dollar Amounts in Thousands RCON
Fund
Assets
Bil Mil Thou
3. Collective investment funds and common trust funds:
a. Domestic equity ............................................................................................ B931
b. International/Global equity... ......................................................................... B933
c. Stock/Bond blend........................................... .............................................. B935
d. Taxable bond ........................... ... ...... .......................... .................................. B937
e. Municipal bond....................................................................................... ...... B939
M.3.a.
M.3.b.
M.3.c.
M.3.d.
M.3.e.
f. Short-term investments/Money market.................................. ............. ......... B941
M.3.f.
g. Specialty/Other............................................................................................. B943
h. Total collective investment funds (sum of Memorandum items 3.a
through 3.g) ................................. ................................................................. B945
M.3.g.
M.3.h.
FFIEC 041
Page RC-48
(!
Schedule RC- T -Continued
(ColumnA)
Gross Losses
Managed
Accounts
(Column B)
(Column C)
Gross Losses
Recoveries
Non-Managed
Accounts
Dollar Amounts in Thousands
4. Fiduciary settlements, surcharges, and other losses:
a. Personal trust and agency accounts .......... ..............................
M.4.a.
b. Employee benefi and retirement-related trust and agency
accounts...................................................................................
M.4.b.
c. Investment management and investment advisory agency
M.4.c.
M.4.d.
accounts...................................................................................
d. Other fiduciary accounts and related services .........................
e. Total fiduciary settlements, surcharges, and other losses
(sum of Memorandum items 4.a through 4.d) (sum of
columns A and B minus column C must equal
Schedule RC- T, item 24) ..........................................................
M.4.e.
Person to whom questions about Schedule RC- T -Fiduciary and Related Services should be directed:
Name and Title (TXT 696)
E-mail Address (TEXT 6926)
Telephone: Area coe/phone number/extension (TEXT
696)
FAX: Area coe/phone number (TEXT 6_)
Schedule RC-V - Variable Interest Entities (FFIEC 041)
1.
Dollar Amounts in Thousands
Assets of consolidated variable
interest entities (VI Es) that can
be used only to settle obligations
of the consolidated VIEs:
a. Cash and balances due
from depository institutions ..
b.
c.
d.
e.
f.
g.
h.
Held-to-maturity securities ...
Available-for-sale securities
Securities purchased under
agreements to resell ............
Loans and leases held for
sale ......................................
Loans and leases, net of
unearned income .................
Less: Allowance for loan
and lease losses ..................
Trading assets (other than
derivatives) ..........................
Derivative trading assets .....
Other
real estate owned ......
j.
k. Other assets ........................
Liabilities of consolidated VIEs
for which creditors do not have
recourse to the general credit of
the reporting bank
i.
2.
a.
Securities sold under
agreements to repurchase ...
b.
c.
d.
e.
3.
Derivative trading liabilties ..
Commercial paper ...............
Other borrowed money
(exclude commercial paper)
Other liabilties .....................
All other assets of consolidated
VIEs (not included in items 1.a.
through 1.k above) ......................
4.
All other liabilities of
consolidated VIEs (not included
in items 2.a through 2.e above) ..
XX
XX
FFIEC 041
Page RC-49
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 wil
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 wil 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."
~
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 wil 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 750character limit described above). THE STATEMENT WILL NOT BE
EDITED OR SCREENED IN ANY WAY BY THE SUPERVISORY
AGENCIES FOR ACCURACY OR RELEVANCE. DISCLOSURE
The optional statement must be entered on this sheet. The statement should not exceed 1 00 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
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 SUBMITIED BY
THE MANAGEMENT OF THE REPORTING BANK.
Comments? .................................................................._.............................................................................................. i :~~; I Yes i ...'JI No I
BANK MANAGEMENT STATEMENT (please type or print clearly):
(TEXT 6980)
| File Type | application/pdf |
| Author | rstorch |
| File Modified | 0000-00-00 |
| File Created | 0000-00-00 |