FFIEC 041 Consolidated Reports of Condition and Income for Banks w

DRAFT FOR JUNE 2011

FFIEC 041

Schedule RC-O – Other Data for Deposit Insurance and FICO
Assessments
All banks must complete items 1 and 2, 4 through 11, Memorandum items 1 and 5, and, if applicable,
Memorandum items 2, 3, and 6 through 15 each quarter.

1.
2.
3.
4.

Dollar Amounts in Thousands
Total deposit liabilities before exclusions (gross) as defined in Section 3(l)
of the Federal Deposit Insurance Act and FDIC regulations ..........................
Total allowable exclusions, including interest accrued and unpaid on
allowable exclusions .......................................................................................
Not applicable
Average consolidated total assets ..................................................................
a.
Averaging method used (for daily averaging, enter 1; for weekly
averaging, enter 2) ...............................................................................

RCON

Bil

7.

8.

9.
10.

11.

1

Average tangible equity1 .................................................................................
Holdings of long-term unsecured debt issued by other FDIC-insured
depository institutions ......................................................................................
Unsecured “Other borrowings” with a remaining maturity of (sum of
items 7.a through 7.d must be less than or equal to Schedule RC-M,
items 5.b.(1)(a)-(d) minus item 10.b):
a.
One year or less ...................................................................................
b.
Over one year through three years ......................................................
c.
Over three years through five years .....................................................
d.
Over five years .....................................................................................
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 .....................................................................................
Reciprocal brokered deposits (included in Schedule RC-E, part I,
Memorandum item 1.b) ...................................................................................
Banker’s bank certification:
Does the reporting institution meet both the statutory definition of a
banker’s bank and the business conduct test set forth in FDIC regulations?
If the answer to item 10 is “YES,” complete items 10.a and 10.b.
a.
Banker’s bank deduction ......................................................................
b.
Banker’s bank deduction limit ...............................................................
Custodial bank certification:
Does the reporting institution meet the definition of a custodial bank set
forth in FDIC regulations? ...............................................................................
If the answer to item 11 is “YES,” complete items 11.a and 11.b.
a.
Custodial bank deduction .....................................................................
b.
Custodial bank deduction limit ..............................................................

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F236
F237
K652

Number
K653
Bil

5.
6.

Mil

Mil

Thou

K654
K655

G465
G466
G467
G468

G469
G470
G471
G472
G803

YES

NO

K656
Bil

Mil

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K657
K658

YES

NO

K659
Bil

Mil

K660
K661

Tangible equity is defined as Tier 1 capital as set forth in the banking agencies’ regulatory capital standards and
reported in Schedule RC-R, item 11.

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DRAFT FOR JUNE 2011

Schedule RC-O – Continued

FFIEC 041

DRAFT FOR JUNE 2011

FFIEC 041

Schedule RC-O – Continued
Amounts reported in Memorandum items 6 through 9, 14, and 15 will not be made available to the public
on an individual institution basis.
Memoranda
Dollar Amounts in Thousands
Memorandum items 6 through 12 are to be completed by “large institutions”
and “highly complex institutions” as defined in FDIC regulations.
6.
Criticized and classified items:
a.
Special mention ....................................................................................
b.
Substandard .........................................................................................
c.
Doubtful ................................................................................................
d.
Loss ......................................................................................................
7.
“Nontraditional 1-4 family residential mortgage loans” as defined for
assessment purposes only in FDIC regulations .............................................
8.
“Subprime consumer loans” as defined for assessment purposes only in
FDIC regulations .............................................................................................
9.
“Leveraged loans and securities” as defined for assessment purposes only
in FDIC regulations .........................................................................................
10. Commitments to fund construction, land development, and other land
loans secured by real estate:
a.
Total unfunded commitments ...............................................................
b.
Portion of unfunded commitments guaranteed or insured by the
U.S. government (including the FDIC) .................................................
11. Amount of other real estate owned recoverable from the U.S. government
under guarantee or insurance provisions (excluding FDIC loss-sharing
agreements) ....................................................................................................
12. Nonbrokered time deposits of more than $250,000 (included in
Schedule RC-E, Memorandum item 2.d) ........................................................
Memorandum item 13.a is to be completed by “large institutions” and “highly
complex institutions” as defined in FDIC regulations. Memorandum items 13.b
through 13.g are to be completed by “large institutions” only.
13. Portion of funded loans guaranteed or insured by the U.S. government
(excluding FDIC loss-sharing agreements):
a.
Construction, land development, and other land loans secured by
real estate .............................................................................................
b.
Loans secured by multifamily residential and nonfarm nonresidential
properties ..............................................................................................
c.
Closed-end loans secured by first liens on 1-4 family residential
properties ..............................................................................................
d.
Closed-end loans secured by junior liens on 1-4 family residential
properties and revolving, open-end loans secured by 1-4 family
residential properties and extended under lines of credit .....................
e.
Commercial and industrial loans ..........................................................
f.
Credit card loans to individuals for household, family, and other
personal expenditures ..........................................................................
g.
Other consumer loans (includes other revolving credit plans,
automobile loans, single payment, installment, and all student loans)
Memorandum items 14 and 15 are to be completed by “highly complex
institutions” as defined in FDIC regulations.
14. Amount of the institution’s largest counterparty exposure ..............................
15. Total amount of the institution’s 20 largest counterparty exposures ..............

RCON

K663
K664
K665
K666
K675
K667
K668

K676
K677

K669
K678

K679
K680
K681

K682
K670
K671
K672

K673
K674

Bil

Mil

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