Download:
pdf |
pdfFederal Financial Institutions Examination Council
Board of Governors of the Federal Reserve System OMB Number 7100-0036
Federal Deposit Insurance Corporation
OMB Number 3064-0052
Office of the Comptroller of the Currency
OMB Number 1557-0081
Approval expires February 28, 2019
Page 1 of 84
Consolidated Reports of Condition and Income for
a Bank with Domestic Offices Only—FFIEC 041
Report at the close of business December 31, 2018
(20181231)
This report is required by law: 12 U.S.C. § 324 (State member
banks); 12 U.S.C. §1817 (State nonmember banks); 12 U.S.C. §161
(National banks); and 12 U.S.C. §1464 (Savings associations).
Unless the context indicates otherwise, the term "bank" in this
report form refers to both banks and savings associations.
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 banks, national banks, and savings associations.
schedules) for this report date have been prepared in conformance with the instructions issued by the appropriate Federal
regulatory authority and are true and correct to the best of my
knowledge and belief.
I, the undersigned CFO (or equivalent) of the named bank, attest
that the Reports of Condition and Income (including the supporting
(RCON 9999)
This report form is to be filed by banks with domestic offices only
and total consolidated assets of less than $100 billion, except
those banks that file the FFIEC 051.
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)
Signature of Chief Financial Officer (or Equivalent)
Director (Trustee)
Date of Signature
Director (Trustee)
Submission of Reports
Each bank must file its Reports of Condition and Income (Call
Report) data by either:
(a) Using computer software to prepare its Call Report and then
submitting the report data directly to the FFIEC’s Central Data
Repository (CDR), an Internet-based system for data collection (https://cdr.ffiec.gov/cdr/), or
(b) Completing its Call Report in paper form and arranging with a
software vendor or another party to convert the data into the
electronic format that can be processed by the CDR. The
software vendor or other party then must electronically submit
the bank’s data file to the CDR.
For technical assistance with submissions to the CDR, please
contact the CDR Help Desk by telephone at (888) CDR-3111, by
fax at (703) 774-3946, or by e-mail at CDR.Help@ffiec.gov.
FDIC Certificate Number
(RSSD 9050)
To fulfill the signature and attestation requirement for the Reports
of Condition and Income for this report date, attach your bank’s
completed signature page (or a photocopy or a computer generated version of this page) to the hard-copy record of the data file
submitted to the CDR that your bank must place in its files.
The appearance of your bank’s hard-copy record of the submitted
data file need not match exactly the appearance of the FFIEC’s
sample report forms, but should show at least the caption of each
Call Report item and the reported amount.
Legal Title of Bank (RSSD 9017)
City (RSSD 9130)
State Abbreviation (RSSD 9200)
Zip Code (RSSD 9220)
Legal Entity Identifier (LEI)
(Report only if your institution already has an LEI.) (RCON 9224)
The estimated average burden associated with this information collection is 55.35 hours per respondent and is expected to vary by institution, depending on individual circumstances. Burden
estimates include the time for reviewing instructions, gathering and maintaining data in the required form, and completing the information collection, but exclude the time for compiling and
maintaining business records in the normal course of a respondent’s activities. A Federal agency may not conduct or sponsor, and an organization (or a person) is not required to respond to
a collection of information, unless it displays a currently valid OMB control number. Comments concerning the accuracy of this burden estimate and suggestions for reducing this burden
should be directed to the Office of Information and Regulatory Affairs, Office of Management and Budget, Washington, DC 20503, and to one of the following: Secretary, Board of Governors
of the Federal Reserve System, 20th and C Streets, NW, Washington, DC 20551; Legislative and Regulatory Analysis Division, Office of the Comptroller of the Currency, Washington, DC
20219; Assistant Executive Secretary, Federal Deposit Insurance Corporation, Washington, DC 20429.
12/2018
FFIEC 041
Page 2 of 84
Consolidated Reports of Condition and Income for a Bank
with Domestic Offices Only
Table of Contents
Signature Page ............................................................ 1
Contact Information................................................. 3, 4
Report of Income
Schedule RI—Income Statement .................... RI-1, 2, 3, 4
Schedule RI-A—Changes in Bank Equity Capital..........RI-5
Schedule RI-B—Charge-offs and Recoveries on
Loans and Leases and Changes in Allowance
for Loan and Lease Losses............................. RI-6, 7, 8
Schedule RI-C—Disaggregated Data on the
Allowance for Loan and Lease Losses
(to be completed only by selected banks) ............... RI-9
Schedule RI-E—Explanations..............................RI-10, 11
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, 8
Schedule RC-C—Loans and Lease Financing
Receivables:
Part I. Loans and Leases ............... RC-9, 10, 11, 12, 13
Part II. Loans to Small Businesses and
Small Farms ............................................ RC-14, 15
Schedule RC-D—Trading Assets and Liabilities
(to be completed only by selected
banks)............................................................... RC-16
Schedule RC-E—Deposit Liabilities ............. RC-17, 18, 19
Schedule RC-F—Other Assets................................. RC-20
Schedule RC-G—Other Liabilities............................. RC-20
Schedule RC-K—Quarterly Averages .................RC-21, 22
Schedule RC-L—Derivatives and
Off-Balance-Sheet Items.......................RC-23, 24, 25, 26
Schedule RC-M—Memoranda.................RC-27, 28, 29, 30
Schedule RC-N—Past Due and Nonaccrual Loans,
Leases, and Other Assets .............RC-31, 32, 33, 34, 35
Schedule RC-O—Other Data for Deposit Insurance
and FICO Assessments .......... RC-36, 37, 38, 39, 40, 41
Schedule RC-P—1–4 Family Residential
Mortgage Banking Activities (to be completed
only by selected banks).......................................RC-42
Schedule RC-Q—Assets and Liabilities Measured
at Fair Value on a Recurring Basis (to be
completed only by selected banks) ............ RC-43, 44, 45
Schedule RC-R—Regulatory Capital:
Part I. Regulatory Capital Components
and Ratios........................................... RC-46, 47, 48
Part II. Risk-Weighted Assets ............................. RC-49,
50, 51, 52, 53, 54, 55, 56, 57, 58, 59, 60, 61
Schedule RC-S—Servicing, Securitization,
and Asset Sale Activities ............................... RC-62, 63
Schedule RC-T—Fiduciary and Related
Services............................................ RC-64, 65, 66, 67
Schedule RC-V—Variable Interest Entities ............... RC-68
Optional Narrative Statement Concerning
the Amounts Reported in the Reports
of Condition and Income ..................................... RC-69
For information or assistance, national banks, state nonmember banks, and savings associations should contact the FDIC’s Data
Collection and Analysis Section, 550 17th Street, NW, Washington, DC 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.
03/2018
FFIEC 041
Page 3 of 84
Contact Information for the Reports of Condition and Income
To facilitate communication between the Agencies and the bank concerning the Reports of Condition and Income, please provide
contact information for (1) the Chief Financial Officer (or equivalent) of the bank signing the reports for this quarter, and (2) the person
at the bank—other than the Chief Financial Officer (or equivalent)—to whom questions about the reports should be directed. If the Chief
Financial Officer (or equivalent) is the primary contact for questions about the reports, please provide contact information for another
person at the bank who will serve as a secondary contact for communications between the Agencies and the bank concerning the
Reports of Condition and Income. Enter “none” for the contact’s e-mail address or fax number if not available. Contact information for
the Reports of Condition and Income is for the confidential use of the Agencies and will not be released to the public.
Chief Financial Officer (or Equivalent)
Signing the Reports
Other Person to Whom Questions about the
Reports Should be Directed
Name (TEXT C490)
Name (TEXT C495)
Title (TEXT C491)
Title (TEXT C496)
E-mail Address (TEXT C492)
E-mail Address (TEXT 4086)
Area Code / Phone Number / Extension (TEXT C493)
Area Code / Phone Number / Extension (TEXT 8902)
Area Code / FAX Number (TEXT C494)
Area Code / FAX Number (TEXT 9116)
Chief Executive Officer Contact Information
This information is being requested so the Agencies can distribute notifications about policy initiatives, deposit insurance
assessments, and other matters directly to the Chief Executive Officers of reporting institutions. Notifications about other matters
may include emergency notifications that may or may not also be sent to the institution's emergency contacts listed below. Please
provide contact information for the Chief Executive Officer of the reporting institution. Enter "none" for the Chief Executive Officer's
e-mail address or fax number if not available. Chief Executive Officer contact information is for the confidential use of the Agencies
and will not be released to the public.
Chief Executive Officer
Name (TEXT FT42)
Area Code / Phone Number / Extension (TEXT FT43)
E-mail Address (TEXT FT44)
Area Code / FAX Number (TEXT FT45)
Emergency Contact Information
This information is being requested so the Agencies can distribute critical, time-sensitive information to emergency contacts at banks.
Please provide primary contact information for a senior official of the bank who has decision-making authority. Also provide information
for a secondary contact if available. Enter “none” for the contact’s e-mail address or fax number if not available. Emergency contact
information is for the confidential use of the Agencies and will not be released to the public.
Primary Contact
Secondary Contact
Name (TEXT C366)
Name (TEXT C371)
Title (TEXT C367)
Title (TEXT C372)
E-mail Address (TEXT C368)
E-mail Address (TEXT C373)
Area Code / Phone Number / Extension (TEXT C369)
Area Code / Phone Number / Extension (TEXT C374)
Area Code / FAX Number (TEXT C370)
Area Code / FAX Number (TEXT C375)
09/2016
FFIEC 041
Page 4 of 84
USA PATRIOT Act Section 314(a) Anti-Money Laundering Contact Information
This information is being requested to identify points-of-contact who are in charge of your bank’s USA PATRIOT Act Section 314(a)
information requests. Bank personnel listed could be contacted by law enforcement officers or the Financial Crimes Enforcement
Network (FinCEN) for additional information related to specific Section 314(a) search requests or other anti-terrorist financing and antimoney-laundering matters. Communications sent by FinCEN to the bank for purposes other than Section 314(a) notifications will state
the intended purpose and should be directed to the appropriate bank personnel for review. Any disclosure of customer records to law
enforcement officers or FinCEN must be done in compliance with applicable law, including the Right to Financial Privacy Act (12
U.S.C. 3401 et seq.).
Please provide information for a primary and secondary contact. Information for a third and fourth contact may be provided at the
bank’s option. Enter “none” for the contact’s e-mail address if not available. This contact information is for the confidential use of the
Agencies, FinCEN, and law enforcement officers and will not be released to the public.
Primary Contact
Secondary Contact
Name (TEXT C437)
Name (TEXT C442)
Title (TEXT C438)
Title (TEXT C443)
E-mail Address (TEXT C439)
E-mail Address (TEXT C444)
Area Code / Phone Number / Extension (TEXT C440)
Area Code / Phone Number / Extension (TEXT C445)
Third Contact
Fourth Contact
Name (TEXT C870)
Name (TEXT C875)
Title (TEXT C871)
Title (TEXT C876)
E-mail Address (TEXT C872)
E-mail Address (TEXT C877)
Area Code / Phone Number / Extension (TEXT C873)
Area Code / Phone Number / Extension (TEXT C878)
06/2012
FFIEC 041
Page 5 of 84
RI-1
Consolidated Report of Income
for the period January 1, 2018–December 31, 2018
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 ................................................................
(2) Commercial and industrial loans ...........................................................................
(3) Loans to individuals for household, family, and other personal expenditures:
(a) Credit cards .................................................................................................
(b) Other (includes revolving credit plans other than credit cards, automobile loans, and
other consumer loans) ...................................................................................
(4) Not applicable
(5) All other loans1 ..................................................................................................
(6) Total interest and fee income on loans (sum of items 1.a.(1)(a) through 1.a.(5)) .............
b. Income from lease financing receivables.....................................................................
c. Interest income on balances due from depository institutions2 .........................................
d. Interest and dividend income on securities:
(1) U.S. Treasury securities and U.S. Government agency obligations
(excluding mortgage-backed securities) .................................................................
(2) Mortgage-backed securities .................................................................................
(3) All other securities (includes securities issued by states and political
subdivisions in the U.S.)......................................................................................
e. Not applicable
f. Interest income on federal funds sold and securities purchased under agreements to resell ........
g. Other interest income .............................................................................................
h. Total interest income (sum of items 1.a.(6) through 1.g) .................................................
2. Interest expense:
a. Interest on deposits:
(1) Transaction accounts (interest-bearing demand deposits, NOW accounts, ATS accounts,
and telephone and preauthorized transfer accounts).................................................
(2) Nontransaction accounts:
(a) Savings deposits (includes MMDAs)..................................................................
(b) Time deposits of $250,000 or less.....................................................................
(c) Time deposits of more than $250,000 ................................................................
b. Expense of federal funds purchased and securities sold under agreements to repurchase ....
c. Interest on trading liabilities and other borrowed money .................................................
4435
Amount
4436
4012
1.a.(1)(a)
1.a.(1)(b)
1.a.(2)
B485
1.a.(3)(a)
B486
1.a.(3)(b)
4058
4010
4065
4115
1.a.(5)
1.a.(6)
1.b.
1.c.
B488
B489
1.d.(1)
1.d.(2)
4060
1.d.(3)
4020
4518
4107
1.f.
1.g.
1.h.
4508
2.a.(1)
0093
2.a.(2)(a)
2.a.(2)(b)
2.a.(2)(c)
2.b.
2.c.
HK03
HK04
4180
4185
1. Includes interest and fee income on "Loans to depository institutions and acceptances of other banks," "Loans to finance agricultural production and
other loans to farmers," "Obligations (other than securities and leases) of states and political subdivisions in the U.S.," and "Loans to nondepository
financial institutions and other loans."
2. Includes interest income on time certificates of deposit not held for trading.
12/2018
FFIEC 041
Page 6 of 84
RI-2
Schedule RI—Continued
Year-to-date
Dollar Amounts in Thousands RIAD
2. Interest expense (continued):
d. Interest on subordinated notes and debentures ...............................................................
e. Total interest expense (sum of items 2.a through 2.d).......................................................
3. Net interest income (item 1.h minus 2.e) ........................................... 4074
4. Provision for loan and lease losses .................................................. 4230
5. Noninterest income:
a. Income from fiduciary activities1 ...................................................................................
b. Service charges on deposit accounts ............................................................................
c. Trading revenue2 ......................................................................................................
d. (1) Fees and commissions from securities brokerage .......................................................
(2) Investment banking, advisory, and underwriting fees and commissions ...........................
(3) Fees and commissions from annuity sales .................................................................
(4) Underwriting income from insurance and reinsurance activities ......................................
(5) Income from other insurance activities ......................................................................
e. Venture capital revenue .............................................................................................
f. Net servicing fees .....................................................................................................
g. Net securitization income............................................................................................
h. Not applicable
i. Net gains (losses) on sales of loans and leases...............................................................
j. Net gains (losses) on sales of other real estate owned ......................................................
k. Net gains (losses) on sales of other assets3 ....................................................................
l. Other noninterest income* ..........................................................................................
m. Total noninterest income (sum of items 5.a through 5.l).................... 4079
6. a. Realized gains (losses) on held-to-maturity securities ....................... 3521
b. Realized gains (losses) on available-for-sale securities ..................... 3196
7. Noninterest expense:
a. Salaries and employee benefits ...................................................................................
b. Expenses of premises and fixed assets (net of rental income)
(excluding salaries and employee benefits and mortgage interest) ......................................
c. (1) Goodwill impairment losses ....................................................................................
(2) Amortization expense and impairment losses for other intangible assets..........................
d. Other noninterest expense*.........................................................................................
e. Total noninterest expense (sum of items 7.a through 7.d).................. 4093
8. a. Income (loss) before unrealized holding gains (losses) on equity
securities not held for trading, applicable income taxes, and disconHT69
tinued operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e)
b. Unrealized holding gains (losses) on equity securities not held for trading4 .. HT70
c. Income (loss) before applicable income taxes and discontinued
operations (sum of items 8.a and 8.b).......................................... 4301
9. Applicable income taxes (on item 8.c) .............................................. 4302
10. Income (loss) before discontinued operations (item 8.c minus item 9)..... 4300
11. Discontinued operations, net of applicable income taxes* ..................... FT28
12. Net income (loss) attributable to bank and noncontrolling (minority)
interests (sum of items 10 and 11) ................................................... G104
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) ............................................................................ G103
14. Net income (loss) attributable to bank (item 12 minus item 13)............... 4340
*
4200
4073
4070
4080
A220
C886
C888
C887
C386
C387
B491
B492
B493
5416
5415
B496
Amount
2.d.
2.e.
3.
4.
5.a.
5.b.
5.c.
5.d.(1)
5.d.(2)
5.d.(3)
5.d.(4)
5.d.(5)
5.e.
5. f.
5.g.
B497
5. i.
5. j.
5.k.
5. l.
5.m.
6.a.
6.b.
4135
7.a.
4217
C216
7.b.
7.c.(1)
7.c.(2)
7.d.
7.e.
C232
4092
8.a.
8.b.
8.c.
9.
10.
11.
12.
13.
14.
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.
3. Exclude net gains (losses) on sales of trading assets and held-to-maturity and available-for-sale securities.
4. Item 8.b is to be completed only by institutions that have adopted ASU 2016-01, which includes provisions governing the accounting
03/2018
for investments in equity securities. See the instructions for further detail on ASU 2016-01.
FFIEC 041
Page 7 of 84
RI-3
Schedule RI—Continued
Memoranda
Dollar Amounts in Thousands RIAD
1. Interest expense incurred to carry tax-exempt securities, loans, and leases acquired after
August 7, 1986, that is not deductible for federal income tax purposes ................................ 4513
Memorandum item 2 is to be completed by banks with $1 billion or more in total assets
Year-to-date
Amount
M.1.
1
2. Income from the sale and servicing of mutual funds and annuities
(included in Schedule RI, item 8) .................................................................................
3. Income on tax-exempt loans and leases to states and political subdivisions in the U.S.
(included in Schedule RI, items 1.a and 1.b) ..................................................................
4. Income on tax-exempt securities issued by states and political subdivisions in the U.S.
(included in Schedule RI, item 1.d.(3)) ..........................................................................
5. Number of full-time equivalent employees at end of current period
(round to nearest whole number) .................................................................................
8431
M.2.
4313
M.3.
4507
M.4.
Number
4150
M.5.
Memorandum item 6 is to be completed by: 1
• 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 product
and other loans to farmers (Schedule RC-C, Part I, item 3) exceeding 5 percent of total 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)) ..........................................................................
7. If the reporting institution has applied push down accounting this calendar year, report the date
of the institution's acquisition (see instructions)2 .............................................................
8. Not applicable
Amount
4024
RIAD
9106
M.6.
Date
M.7.
Memorandum items 9.a and 9.b are to be completed by banks with $10 billion or more
in total assets.1
9. Net gains (losses) recognized in earnings on credit derivatives that economically hedge credit
exposures held outside the trading account:
a. Net gains (losses) on credit derivatives held for trading .................................................
b. Net gains (losses) on credit derivatives held for purposes other than trading .....................
Amount
C889
C890
M.9.a.
M.9.b.
Memorandum item 10 is to be completed by banks with $300 million or more in total assets.1
10. Credit losses on derivatives (see instructions) ................................................................
11. Does the reporting bank have a Subchapter S election in effect for federal income tax purposes
for the current tax year?.............................................................................................
A251
RIAD Yes
A530
M.10.
No
M.11.
Memorandum item 12 is to be completed by banks that are required to complete Schedule
RC-C, Part I, Memorandum items 8.b and 8.c and is to be completed semiannually in the June
and December reports only.
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)) ..........................................
F228
M.12.
1. The asset size tests and the 5 percent of total loans test are based on the total assets and total loans reported in the June 30, 2017,
Report of Condition.
2. Report the date in YYYYMMDD format. For example, a bank acquired on June 1, 2018, would report 20180601.
06/2018
FFIEC 041
Page 8 of 84
RI-4
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 liabilities under a fair value option.
13. Net gains (losses) recognized in earnings on assets and liabilities that are reported at fair
value under a fair value option:
a. Net gains (losses) on assets ...................................................................................
(1) Estimated net gains (losses) on loans attributable to changes in instrument-specific
credit risk........................................................................................................
b. Net gains (losses) on liabilities .................................................................................
(1) Estimated net gains (losses) on liabilities attributable to changes in instrument-specific
credit risk........................................................................................................
14. Other-than-temporary impairment losses on held-to-maturity and available-for-sale debt
securities recognized in earnings (included in Schedule RI, items 6.a and 6.b) ...........................
Year-to-date
RIAD
Amount
F551
M.13.a.
F552
F553
M.13.a.(1)
M.13.b.
F554
M.13.b.(1)
J321
M.14.
H032
M.15.a.
H033
M.15.b.
H034
H035
M.15.c.
M.15.d.
Memorandum item 15 is to be completed by institutions with $1 billion or more in total assets1 that
answered "Yes" to Schedule RC-E, Memorandum item 5.
15. Components of service charges on deposit accounts (sum of Memorandum items 15.a through
15.d must equal Schedule RI, item 5.b):
a. Consumer overdraft-related service charges levied on those transaction
account and nontransaction savings account deposit products intended primarily
for individuals for personal, household, or family use ....................................................
b. Consumer account periodic maintenance charges levied on those transaction
account and nontransaction savings account deposit products intended primarily
for individuals for personal, household, or family use ....................................................
c. Consumer customer automated teller machine (ATM) fees levied on those transaction
account and nontransaction savings account deposit products intended primarily
for individuals for personal, household, or family use ....................................................
d. All other service charges on deposit accounts .............................................................
1. The $1 billion asset-size test is based on the total assets reported on the June 30, 2017, Report of Condition.
12/2018
FFIEC 041
Page 9 of 84
RI-5
Schedule RI-A—Changes in Bank Equity Capital
Dollar Amounts in Thousands
1. Total bank equity capital most recently reported for the December 31, 2017, Reports of
Condition and Income (i.e., after adjustments from amended Reports of Income) ............................
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) ...................................................................................
6. Treasury stock transactions, net ............................................................................................
7. Changes incident to business combinations, net .......................................................................
8. LESS: Cash dividends declared on preferred stock ...................................................................
9. LESS: Cash dividends declared on common stock ....................................................................
10. Other comprehensive income 1 ..............................................................................................
11. Other transactions with stockholders (including a parent holding company)*
(not included in items 5, 6, 8, or 9 above) ................................................................................
12. Total bank equity capital end of current period (sum of items 3 through 11)
(must equal Schedule RC, item 27.a) .....................................................................................
RIAD
Amount
3217
1.
B507
2.
3.
4.
B508
4340
B509
B510
4356
4470
4460
B511
5.
6.
7.
8.
9.
10.
4415
11.
3210
12.
* Describe on Schedule RI-E—Explanations.
1. Includes, but is not limited to, changes in net unrealized holding gains (losses) on available-for-sale securities, changes in accumulated net gains
(losses) on cash flow hedges, and pension and other postretirement plan-related changes other than net periodic benefit cost.
03/2018
FFIEC 041
Page 10 of 84
RI-6
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.
(Column A)
Charge-offs1
(Column B)
Recoveries
Calendar Year-to-date
Dollar Amounts in Thousands RIAD
1. Loans secured by real estate:
a. Construction, land development, and other land loans:
(1) 1–4 family residential construction loans ...............................
(2) Other construction loans and all land development and other
land loans .......................................................................
b. Secured by farmland .............................................................
c. Secured by 1–4 family residential properties:
(1) Revolving, open-end loans secured by 1– 4 family residential
properties and extended under lines of credit ..........................
(2) Closed-end loans secured by 1– 4 family residential properties:
(a) Secured by first liens ....................................................
(b) Secured by junior liens ..................................................
d. Secured by multifamily (5 or more) residential properties...............
e. Secured by nonfarm nonresidential properties:
(1) Loans secured by owner-occupied nonfarm nonresidential
properties ........................................................................
(2) Loans secured by other nonfarm nonresidential properties ........
2. and 3. Not applicable
4. Commercial and industrial loans ..................................................
5. Loans to individuals for household, family, and other
personal expenditures:
a. Credit cards .........................................................................
b. Automobile loans ..................................................................
c. Other (includes revolving credit plans other than credit cards and
other consumer loans) ...........................................................
6. Not applicable
7. All other loans 2 ........................................................................
8. Lease financing receivables .......................................................
9. Total (sum of items 1 through 8) ..................................................
Amount
RIAD
Amount
C891
C892
1.a.(1)
C893
C894
3584
3585
1.a.(2)
1.b.
5411
5412
1.c.(1)
C234
C235
3588
C217
C218
3589
1.c.(2)(a)
1.c.(2)(b)
1.d.
C895
C897
C896
C898
1.e.(1)
1.e.(2)
4638
4608
4.
B514
B515
K129
K133
5.a.
5.b.
K205
K206
5.c.
4644
4266
4628
4267
4635
4605
7.
8.
9.
1. Include write-downs arising from transfers of loans to a held-for-sale account.
2. Includes charge-offs and recoveries on “Loans to depository institutions and acceptances of other banks,” "Loans to finance agricultural
production and other loans to farmers," "Obligations (other than securities and leases) of states and political subdivisions in the U.S.,"
and "Loans to nondepository financial institutions and other loans."
03/2017
FFIEC 041
Page 11 of 84
RI-7
Schedule RI-B—Continued
Memoranda
(Column A)
Charge-offs1
(Column B)
Recoveries
RIAD
Calendar Year-to-date
Amount
RIAD
Amount
5409
5410
M.1.
4652
4662
M.2.a.
4646
4618
M.2.c.
F185
F187
M.2.d.
3. Loans to finance agricultural production and other loans to farmers
(included in Schedule RI-B, Part I, item 7, above)................................. 4655
4665
M.3.
Dollar Amounts in Thousands
1. Loans to finance commercial real estate, construction, and land
development activities (not secured by real estate) included in
Schedule RI-B, Part I, items 4 and 7, above ........................................
2. Memorandum items 2.a. through 2.d. are to be completed by banks with
$300 million or more in total assets:2
a. Loans secured by real estate to non-U.S. addressees (domicile)
(included in Schedule RI-B, Part I, item 1, above) ..............................
b. Not applicable
c. Commercial and industrial loans to non-U.S. addressees (domicile)
(included in Schedule RI-B, Part I, item 4 above) ...............................
d. Leases to individuals for household, family, and other personal
expenditures (included in Schedule RI-B, Part I, item 8, above) ............
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 5 percent of total loans:
Memorandum item 4 is to be completed by banks that (1) together with affiliated institutions, have
outstanding credit card receivables (as defined in the instructions) that exceed $500 million as of the report
date, or (2) are credit card specialty banks as defined for Uniform Bank Performance Report purposes.
Calendar Year-to-date
RIAD
Amount
4. Uncollectible retail credit card fees and finance charges reversed against income
C388
(i.e., not included in charge-offs against the allowance for loan and lease losses) ........................
M.4.
1. Include write-downs arising from transfers of loans to a held-for-sale account.
2. The $300 million asset size test and the 5 percent of total loans test are based on the total assets and total loans reported on the
June 30, 2017, Report of Condition.
03/2018
FFIEC 041
Page 12 of 84
RI-8
Schedule RI-B—Continued
Part II. Changes in Allowance for Loan and Lease Losses
Dollar Amounts in Thousands
1. Balance most recently reported for the December 31, 2017, Reports of Condition and Income
(i.e., after adjustments from amended Reports of Income) ........................................................
2. Recoveries (must equal Part I, item 9, column B, above) ..........................................................
3. LESS: Charge-offs (must equal Part I, item 9, column A, above less Schedule RI-B, Part II, item 4) ..
4. LESS: Write-downs arising from transfers of loans to a held-for-sale account ...............................
5. Provision for loan and lease losses (must equal Schedule RI, item 4)..........................................
6. Adjustments* (see instructions for this schedule) ....................................................................
7. Balance end of current period (sum of items 1, 2, 5, and 6, less items 3 and 4)
(must equal Schedule RC, item 4.c) .....................................................................................
RIAD
Amount
B522
5523
4230
C233
1.
2.
3.
4.
5.
6.
3123
7.
4605
C079
* Describe on Schedule RI-E—Explanations.
Memoranda
Dollar Amounts in Thousands RIAD
1. Allocated transfer risk reserve included in Schedule RI-B, Part II, item 7, above ............................ C435
Amount
M.1.
Memorandum items 2 and 3 are to be completed by banks that (1) together with affiliated institutions, have
outstanding credit card receivables (as defined in the instructions) that exceed $500 million as of the report
date, or (2) are credit card specialty banks as defined for Uniform Bank Performance Report purposes.
2. Separate valuation allowance for uncollectible retail credit card fees and finance charges ............... C389
3. Amount of allowance for loan and lease losses attributable to retail credit card fees and finance
charges .......................................................................................................................... C390
M.2.
M.3.
Memorandum item 4 is to be completed by all banks.
4. Amount of allowance for post-acquisition credit losses on purchased credit-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)................................................................... C781
M.4.
03/2018
FFIEC 041
Page 13 of 84
RI-9
Schedule RI-C—Disaggregated Data on the Allowance for Loan and Lease Losses
Schedule RI-C is to be completed by institutions with $1 billion or more in total assets.1
(Column A)
Recorded Investment:
Individually Evaluated
for Impairment and
Determined to be Impaired
(ASC 310-10-35)
Dollar Amounts in Thousands
1. Real estate loans:
a. Construction loans .....
b. Commercial
real estate loans ........
c. Residential
real estate loans ........
2. Commercial loans2 .........
3. Credit cards ..................
4. Other consumer loans .....
5. Unallocated, if any..........
6. Total (sum of
items 1.a. through 5)3 .........
RCON
Amount
(Column B)
Allowance Balance:
Individually Evaluated
for Impairment and
Determined to be Impaired
(ASC 310-10-35)
RCON
Amount
(Column C)
Recorded Investment:
Collectively Evaluated
for Impairment
(ASC 450-20)
RCON
Amount
(Column D)
Allowance Balance:
Collectively Evaluated
for Impairment
(ASC 450-20)
RCON
Amount
(Column E)
Recorded Investment:
Purchased
Credit-Impaired Loans
(ASC 310-30)
RCON
Amount
(Column F)
Allowance Balance:
Purchased
Credit-Impaired Loans
(ASC 310-30)
RCON
Amount
M708
M709
M710
M711
M712
M713
1.a.
M714
M715
M716
M717
M719
M720
1.b.
M721
M722
M723
M724
M725
M726
M727
M728
M729
M730
M731
M732
M733
M739
M734
M740
M735
M741
M736
M742
M745
M737
M743
M738
M744
1.c.
2.
3.
4.
5.
M746
M747
M748
M749
M750
M751
6.
1. The $1 billion asset size test is based on the total assets reported on the June 30, 2017, Report of Condition.
2. Include all loans and leases not reported as real estate loans, credit cards, or other consumer loans in items 1, 3, or 4 of Schedule RI-C.
3. The sum of item 6, columns B, D, and F, must equal Schedule RC, item 4.c. Item 6, column E, must equal Schedule RC-C, Part I, Memorandum item 7.b. Item 6, column F, must equal
Schedule RI-B, Part II, Memorandum item 4.
03/2018
FFIEC 041
Page 14 of 84
RI-10
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 discontinued operations 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 RIAD
1. Other noninterest income (from Schedule RI, item 5.l)
Itemize and describe amounts greater than $100,000 that exceed 7 percent of Schedule RI, item 5.l:
a. Income and fees from the printing and sale of checks........................................................
b. Earnings on/increase in value of cash surrender value of life insurance.................................
c. Income and fees from automated teller machines (ATMs)...................................................
d. Rent and other income from other real estate owned.........................................................
e. Safe deposit box rent ..................................................................................................
f. Bank card and credit card interchange fees .....................................................................
g. Income and fees from wire transfers not reportable as service charges on deposit accounts......
TEXT
h. 4461
TEXT
i. 4462
TEXT
j. 4463
2. Other noninterest expense (from Schedule RI, item 7.d)
Itemize and describe amounts greater than $100,000 that exceed 7 percent of Schedule RI, item 7.d:
a. Data processing expenses ...........................................................................................
b. Advertising and marketing expenses ..............................................................................
c. Directors' fees ...........................................................................................................
d. Printing, stationery, and supplies ...................................................................................
e. Postage ...................................................................................................................
f. Legal fees and expenses .............................................................................................
g. FDIC deposit insurance assessments ............................................................................
h. Accounting and auditing expenses ................................................................................
i. Consulting and advisory expenses.................................................................................
j. Automated teller machine (ATM) and interchange expenses ...............................................
k. Telecommunications expenses .....................................................................................
l. Other real estate owned expenses.................................................................................
m. Insurance expenses (not included in employee expenses, premises and fixed asset expenses,
and other real estate owned expenses) ..........................................................................
TEXT
n. 4464
TEXT
o. 4467
TEXT
p. 4468
3. Discontinued operations and applicable income tax effect (from Schedule RI, item 11)
(itemize and describe each discontinued operation):
TEXT
a. (1) FT29
(2) Applicable income tax effect ................................................... FT30
TEXT
b. (1) FT31
(2) Applicable income tax effect ................................................... FT32
C013
C014
C016
4042
C015
F555
T047
4461
4462
4463
C017
0497
4136
C018
8403
4141
4146
F556
F557
F558
F559
Y923
Y924
4464
4467
4468
FT29
FT31
Year-to-date
Amount
1.a.
1.b.
1.c.
1.d.
1.e.
1. f.
1.g.
1.h.
1. i.
1. j.
2.a.
2.b.
2.c.
2.d.
2.e.
2. f.
2.g.
2.h.
2. i.
2. j.
2.k.
2. l.
2.m.
2.n.
2.o.
2.p.
3.a.(1)
3.a.(2)
3.b.(1)
3.b.(2)
06/2018
FFIEC 041
Page 15 of 84
RI-11
Schedule RI-E—Continued
Year-to-date
Dollar Amounts in Thousands
4. Cumulative effect of changes in accounting principles and corrections of material accounting errors
(from Schedule RI-A, item 2) (itemize and describe all such effects):
TEXT
a.
B526
TEXT
b.
B527
5. Other transactions with stockholders (including a parent holding company)
(from Schedule RI-A, item 11) (itemize and describe all such transactions):
TEXT
a.
4498
TEXT
b.
4499
6. Adjustments to allowance for loan and lease losses (from Schedule RI-B, Part II, item 6)
(itemize and describe all adjustments):
TEXT
a.
4521
TEXT
b.
4522
7. Other explanations (the space below is provided for the bank to briefly describe, at its option, any
other significant items affecting the Report of Income):
Comments? .....................................................................................................................
RIAD
Amount
B526
B527
4.a.
4.b.
4498
4499
5.a.
5.b.
4521
6.a.
6.b.
4522
RIAD Yes
4769
No
7.
Other explanations (please type or print clearly; 750 character limit):
(TEXT 4769)
03/2014
FFIEC 041
Page 16 of 84
RC-1
Consolidated Report of Condition for Insured Banks
and Savings Associations for December 31, 2018
All schedules are to be reported in thousands of dollars. Unless otherwise indicated, report the amount outstanding as of the
last business day of the quarter.
Schedule RC—Balance Sheet
Dollar Amounts in Thousands
Assets
1. Cash and balances due from depository institutions (from Schedule RC-A):
a. Noninterest-bearing balances and currency and coin1 ...............................................
b. Interest-bearing balances2 ..................................................................................
2. Securities:
a. Held-to-maturity securities (from Schedule RC-B, column A) ......................................
b. Available-for-sale securities (from Schedule RC-B, column D) ....................................
c. Equity securities with readily determinable fair values not held for trading3 ...........
3. Federal funds sold and securities purchased under agreements to resell:
a. Federal funds sold ............................................................................................
b. Securities purchased under agreements to resell4....................................................
4. Loans and lease financing receivables (from Schedule RC-C):
a. Loans and leases held for sale ............................................................................
b. Loans and leases held for investment ........................... B528
c. LESS: Allowance for loan and lease losses .................... 3123
d. Loans and leases held for investment, net of allowance (item 4.b minus 4.c) .................
5. Trading assets (from Schedule RC-D) ......................................................................
6. Premises and fixed assets (including capitalized leases) ..............................................
7. Other real estate owned (from Schedule RC-M)..........................................................
8. Investments in unconsolidated subsidiaries and associated companies ...........................
9. Direct and indirect investments in real estate ventures .................................................
10. Intangible assets (from Schedule RC-M)................................................................
11. Other assets (from Schedule RC-F) .........................................................................
12. Total assets (sum of items 1 through 11)...................................................................
Liabilities
13. Deposits:
a. In domestic offices (sum of totals of columns A and C from Schedule RC-E) .................
(1) Noninterest-bearing5 ............................................. 6631
(2) Interest-bearing.................................................... 6636
b. Not applicable
14. Federal funds purchased and securities sold under agreements to repurchase:
a. Federal funds purchased6 ...................................................................................
b. Securities sold under agreements to repurchase7 ....................................................
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 debentures8 ........................................................................
RCON
Amount
0081
1.a.
1.b.
0071
1754
2.a.
2.b.
2.c.
1773
JA22
B987
3.a.
3.b.
B989
5369
B529
3545
2145
2150
2130
3656
2143
2160
2170
4.a.
4.b.
4.c.
4.d.
5.
6.
7.
8.
9.
10.
11.
12.
2200
13.a.
13.a.(1)
13.a.(2)
B993
B995
3548
14.a.
14.b.
15.
3190
16.
3200
19.
1. Includes cash items in process of collection and unposted debits.
2. Includes time certificates of deposit not held for trading.
3. Item 2.c is to be completed only by institutions that have adopted ASU 2016-01, which includes provisions governing the accounting
for investments in equity securities. See the instructions for further detail on ASU 2016-01.
4. Includes all securities resale agreements, regardless of maturity.
5. Includes noninterest-bearing demand, time, and savings deposits.
6. Report overnight Federal Home Loan Bank advances in Schedule RC, item 16, "Other borrowed money."
7. Includes all securities repurchase agreements, regardless of maturity.
8. Includes limited-life preferred stock and related surplus.
12/2018
FFIEC 041
Page 17 of 84
RC-2
Schedule RC—Continued
Dollar Amounts in Thousands RCON
Liabilities—continued
20. Other liabilities (from Schedule RC-G) ........................................................................ 2930
21. Total liabilities (sum of items 13 through 20) ................................................................ 2948
22. Not applicable
Equity Capital
Bank Equity Capital
23. Perpetual preferred stock and related surplus ..............................................................
24. Common stock ......................................................................................................
25. Surplus (exclude all surplus related to preferred stock)...................................................
26. a. Retained earnings ...............................................................................................
b. Accumulated other comprehensive income1 .............................................................
c. Other equity capital components2 ...........................................................................
27. a. Total bank equity capital (sum of items 23 through 26.c) .............................................
b. Noncontrolling (minority) interests in consolidated subsidiaries .....................................
28. Total equity capital (sum of items 27.a and 27.b) ..........................................................
29. Total liabilities and equity capital (sum of items 21 and 28) .............................................
Amount
20.
21.
3838
23.
24.
25.
26.a.
26.b.
26 c.
27.a.
27.b.
28.
29.
3230
3839
3632
B530
A130
3210
3000
G105
3300
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
RCON
comprehensive level of auditing work performed for the bank by independent external auditors as of
any date during 2017 .............................................................................................................. 6724
1a = An integrated audit of the reporting institution's financial
statements and its internal control over financial reporting
conducted in accordance with the standards of the American
Institute of Certified Public Accountants (AICPA) or Public
Company Accounting Oversight Board (PCAOB) by an independent public accountant that submits a report on the institution
1b = An audit of the reporting institution's financial statements only
conducted in accordance with the auditing standards of the
AICPA or the PCAOB by an independent public accountant that
submits a report on the institution
2a = An integrated audit of the reporting institution's parent holding
company's consolidated financial statements and its internal
control over financial reporting conducted in accordance with the
standards of the AICPA or the PCAOB by an independent public
accountant that submits a report on the consolidated holding
company (but not on the institution separately)
Number
M.1.
2b = An audit of the reporting institution's parent holding company's
consolidated financial statements only conducted in
accordance with the auditing standards of the AICPA or the
PCAOB by an independent public accountant that submits a
report on the consolidated holding company (but not on the
institution separately)
3 = This number is not to be used
4 = Directors' examination of the bank conducted in accordance
with generally accepted auditing standards by a certified public
accounting firm (may be required by state-chartering authority)
5 = Directors' examination of the bank performed by other external
auditors (may be required by state-chartering authority)
6 = Review of the bank's financial statements by external auditors
7 = Compilation of the bank's financial statements by external
auditors
8 = Other audit procedures (excluding tax preparation work)
9 = No external audit work
RCON
To be reported with the March Report of Condition.
2. Bank's fiscal year-end date (report the date in MMDD format).......................................................... 8678
Date
M.2.
1. Includes, but is not limited to, net unrealized holding gains (losses) on available-for-sale securities, accumulated net gains (losses) on cash flow
hedges, and accumulated defined benefit pension and other postretirement plan adjustments.
2. Includes treasury stock and unearned Employee Stock Ownership Plan shares.
03/2018
FFIEC 041
Page 18 of 84
RC-3
Schedule RC-A—Cash and Balances Due from Depository Institutions
Schedule RC-A is to be completed only by banks with $300 million or more in total assets.1
Exclude assets held for trading.
Dollar Amounts in Thousands
1. Cash items in process of collection, unposted debits, and currency and coin:
a. Cash items in process of collection and unposted debits ........................................................
b. Currency and coin ..........................................................................................................
2. Balances due from depository institutions in the U.S. ..........................................................
3. Balances due from banks in foreign countries and foreign central banks ...............................
4. Balances due from Federal Reserve Banks ............................................................................
5. Total (sum of items 1 through 4) (must equal Schedule RC, sum of items 1.a and 1.b) ....................
Amount
RCON
0020
0080
0082
1.a.
1.b.
2.
3.
4.
5.
0070
0090
0010
1. The $300 million asset size test is based on the total assets reported on the June 30, 2017, Report of Condition.
Schedule RC-B—Securities
Exclude assets held for trading.
Held-to-maturity
(Column A)
Amortized Cost
Dollar Amounts in Thousands RCON
1. U.S. Treasury securities ..... 0211
2. U.S. Government agency
and sponsored agency
obligations (exclude mortgage-backed securities)1 .. HT50
3. Securities issued by states
and political subdivisions in
the U.S............................ 8496
Amount
Available-for-sale
(Column B)
Fair Value
RCON
Amount
(Column C)
Amortized Cost
RCON
Amount
(Column D)
Fair Value
RCON
Amount
0213
1286
1287
1.
HT51
HT52
HT53
2.
8497
8498
8499
3.
1. Includes Small Business Administration "Guaranteed Loan Pool Certificates"; U.S. Maritime Administration obligations; Export-Import Bank
participation certificates; and 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.
06/2018
FFIEC 041
Page 19 of 84
RC-4
Schedule RC-B—Continued
Held-to-maturity
(Column A)
Amortized Cost
Dollar Amounts in Thousands
4. Mortgage-backed
securities (MBS):
a. Residential mortgage
pass-through
securities:
(1) Guaranteed by
GNMA...............
(2) Issued by FNMA
and FHLMC .......
(3) Other passthrough securities ..
b. Other residential
mortgage-backed
securities (include
CMOs, REMICs, and
stripped MBS):
(1) Issued or guaranteed by U.S.
Government
agencies or
sponsored
agencies1 ..........
(2) Collateralized by
MBS issued or
guaranteed by
U.S. Government
agencies or
sponsored
agencies1 ..........
(3) All other
residential MBS ...
c. Commercial MBS
(1) Commercial
mortgage
pass-through
securities:
(a) Issued or
guaranteed
by FNMA,
FHLMC, or
GNMA ..........
(b) Other
pass-through
securities ......
RCON
Amount
Available-for-sale
(Column B)
Fair Value
RCON
Amount
(Column C)
Amortized Cost
RCON
Amount
(Column D)
Fair Value
RCON
Amount
G300
G301
G302
G303
4.a.(1)
G304
G305
G306
G307
4.a.(2)
G308
G309
G310
G311
4.a.(3)
G312
G313
G314
G315
4.b.(1)
G316
G317
G318
G319
4.b.(2)
G320
G321
G322
G323
4.b.(3)
K142
K143
K144
K145
4.c.(1)(a)
K146
K147
K148
K149
4.c.(1)(b)
1. U.S. Government agencies include, but are not limited to, such agencies as the Government National Mortgage Association (GNMA), the Federal
Deposit Insurance Corporation (FDIC), and the National Credit Union Administration (NCUA). U.S. Government-sponsored agencies include, but are
not limited to, such agencies as the Federal Home Loan Mortgage Corporation (FHLMC) and the Federal National Mortgage Association (FNMA).
06/2012
FFIEC 041
Page 20 of 84
RC-5
Schedule RC-B—Continued
Held-to-maturity
(Column A)
Amortized Cost
Dollar Amounts in Thousands
4. c. (2) Other commercial
MBS:
(a) Issued or
guaranteed
by U.S.
Government
agencies or
sponsored
agencies1 ......
(b) All other
commercial
MBS .............
5. Asset-backed securities
and structured financial
products
a. Asset-backed
securities (ABS).......
b. Structured financial
products ...............
6. Other debt securities:
a. Other domestic debt
securities ...............
b. Other foreign debt
securities ...............
7. Investments in mutual
funds and other equity
securities with readily
determinable fair values2, 3
8. Total (sum of items 1
through 7) (total of
column A must equal
Schedule RC, item 2.a)
(total of column D
must equal Schedule
RC, item 2.b) ..............
RCON
Amount
Available-for-sale
(Column B)
Fair Value
RCON
Amount
(Column C)
Amortized Cost
RCON
Amount
(Column D)
Fair Value
RCON
Amount
K150
K151
K152
K153
4.c.(2)(a)
K154
K155
K156
K157
4.c.(2)(b)
C026
C988
C989
C027
5.a.
HT58
HT59
HT60
HT61
5.b.
1737
1738
1739
1741
6.a.
1742
1743
1744
1746
6.b.
A510
A511
7.
1772
1773
8.
1754
1771
1. U.S. Government agencies include, but are not limited to, such agencies as the Government National Mortgage Association (GNMA), the Federal
Deposit Insurance Corporation (FDIC), and the National Credit Union Administration (NCUA). U.S. Government-sponsored agencies include, but are
not limited to, such agencies as the Federal Home Loan Mortgage Corporation (FHLMC) and the Federal National Mortgage Association (FNMA).
2. Report Federal Reserve stock, Federal Home Loan Bank stock, and bankers’ bank stock in Schedule RC-F, item 4.
3. Item 7 is to be completed only by institutions that have not adopted ASU 2016-01, which includes provisions governing the accounting for
investments in equity securities. See the instructions for further detail on ASU 2016-01.
06/2018
FFIEC 041
Page 21 of 84
RC-6
Schedule RC-B—Continued
Memoranda
Dollar Amounts in Thousands
1. Pledged securities ....................................................................................................
2. Maturity and repricing data for debt securities1, 2 (excluding those in nonaccrual status):
a. Securities issued by the U.S. Treasury, U.S. Government agencies, and states and political
subdivisions in the U.S.; other non-mortgage debt securities; and mortgage pass-through
securities other than those backed by closed-end first lien 1– 4 family residential mortgages
with a remaining maturity or next repricing date of:3, 4
(1) Three months or less ..........................................................................................
(2) Over three months through 12 months ...................................................................
(3) Over one year through three years ........................................................................
(4) Over three years through five years .......................................................................
(5) Over five years through 15 years ...........................................................................
(6) Over 15 years ...................................................................................................
b. Mortgage pass-through securities backed by closed-end first lien 1– 4 family residential
mortgages with a remaining maturity or next repricing date of:3, 5
(1) Three months or less ..........................................................................................
(2) Over three months through 12 months ...................................................................
(3) Over one year through three years ........................................................................
(4) Over three years through five years .......................................................................
(5) Over five years through 15 years ...........................................................................
(6) Over 15 years ...................................................................................................
c. Other mortgage-backed securities (include CMOs, REMICs, and stripped MBS; exclude
mortgage pass-through securities) with an expected average life of:6
(1) Three years or less ............................................................................................
(2) Over three years.................................................................................................
d. Debt securities with a REMAINING MATURITY of one year or less
(included in Memorandum items 2.a through 2.c above)...................................................
1
RCON
Amount
0416
M.1.
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)
A550
A551
A552
A553
A554
A555
A556
A557
A558
A559
A560
A561
M.2.b.(1)
M.2.b.(2)
M.2.b.(3)
M.2.b.(4)
M.2.b.(5)
M.2.b.(6)
A562
M.2.c.(1)
M.2.c.(2)
A248
M.2.d.
Memorandum item 3 is to be completed semiannually in the June and December reports only.
3. Amortized cost of held-to-maturity securities sold or transferred to available-for-sale or trading
securities during the calendar year-to-date (report the amortized cost at date of sale or transfer) .. 1778
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 ...................................................................................................... 8782
b. Fair value .............................................................................................................. 8783
M.3.
M.4.a.
M.4.b.
1. Includes held-to-maturity securities at amortized cost and available-for-sale securities at fair value.
2. Exclude investments in mutual funds and other equity securities with readily determinable fair values.
3. Report fixed-rate debt securities by remaining maturity and floating-rate debt securities by next repricing date.
4. Sum of Memorandum items 2.a.(1) through 2.a.(6) plus any nonaccrual debt securities in the categories of debt securities reported in Memorandum
item 2.a that are included in Schedule RC-N, item 10, column C, must equal Schedule RC-B, sum of items 1, 2, 3, 4.c.(1), 5, and 6, columns A and D,
plus residential mortgage pass-through securities other than those backed by closed-end first lien 1– 4 family residential mortgages included in
Schedule RC-B, item 4.a, columns A and D.
5. Sum of Memorandum items 2.b.(1) through 2.b.(6) plus any nonaccrual mortgage pass-through securities backed by closed-end first lien 1–4 family
residential mortgages included in Schedule RC-N, item 10, column C, must equal Schedule RC-B, item 4.a, sum of columns A and D, less the amount
of residential mortgage pass-through securities other than those backed by closed-end first lien 1– 4 family residential mortgages included in
Schedule RC-B, item 4.a, columns A and D.
6. Sum of Memorandum items 2.c.(1) and 2.c.(2) plus any nonaccrual "Other mortgage-backed securities" included in Schedule RC-N, item 10, column
C, must equal Schedule RC-B, sum of items 4.b and 4.c.(2), columns A and D.
06/2018
FFIEC 041
Page 22 of 84
RC-7
Schedule RC-B—Continued
Memoranda—Continued
Held-to-maturity
(Column A)
Amortized Cost
Dollar Amounts in Thousands
Memorandum items 5.a
through 5.f are to be
completed by banks with $10
billion or more in total assets.1
5. Asset-backed securities
(ABS) (for each column,
sum of Memorandum
items 5.a through 5.f
must equal Schedule
RC-B, item 5.a):
a. Credit card
receivables ................
b. Home equity lines........
c. Automobile loans.........
d. Other consumer loans ..
e. Commercial and
industrial loans ...........
f. Other ........................
RCON
Amount
Available-for-sale
(Column B)
Fair Value
RCON
Amount
(Column C)
Amortized Cost
RCON
Amount
(Column D)
Fair Value
RCON
Amount
B838
B839
B840
B841
B842
B846
B843
B847
B844
B848
B845
B849
B850
B851
B852
B853
M.5.a.
M.5.b.
M.5.c.
M.5.d.
B854
B858
B855
B859
B856
B860
B857
B861
M.5.e.
M.5. f.
1. The $10 billion asset size test is based on the total assets reported on the June 30, 2017, Report of Condition.
06/2018
FFIEC 041
Page 23 of 84
RC-8
Schedule RC-B—Continued
Memoranda—Continued
Held-to-maturity
(Column A)
Amortized Cost
Dollar Amounts in Thousands
Memorandum items 6.a
through 6.g are to be
completed by banks with $10
billion or more in total assets.1
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, item 5.b:
a. Trust preferred
securities issued by
financial institutions ......
b. Trust preferred securities
issued by real estate
investment trusts ..........
c. Corporate and similar
loans .........................
d. 1–4 family residential
MBS issued or guaranteed by U.S.
Government-sponsored
enterprises (GSEs) .......
e. 1–4 family residential
MBS not issued or
guaranteed by GSEs.....
f. Diversified (mixed)
pools of structured
financial products .........
g. Other collateral or
reference assets ..........
RCON
Amount
Available-for-sale
(Column B)
Fair Value
RCON
Amount
(Column C)
Amortized Cost
RCON
Amount
(Column D)
Fair Value
RCON
Amount
G348
G349
G350
G351
M.6.a.
G352
G353
G354
G355
M.6.b.
G356
G357
G358
G359
M.6.c.
G360
G361
G362
G363
M.6.d.
G364
G365
G366
G367
M.6.e.
G368
G369
G370
G371
M.6. f.
G372
G373
G374
G375
M.6.g.
1. The $10 billion asset size test is based on the total assets reported on the June 30, 2017, Report of Condition.
06/2018
FFIEC 041
Page 24 of 84
RC-9
Schedule RC-C—Loans and Lease Financing Receivables
Part I. Loans and Leases
Do not deduct the allowance for loan and lease losses or the allocated transfer risk reserve from amounts reported in this schedule.
Report (1) loans and leases held for sale at the lower of cost or fair value, (2) loans and leases held for investment, net of unearned income,
and (3) loans and leases accounted for at fair value under a fair value option. Exclude assets held for trading and commercial paper.
(Column B)
To Be Completed
by All Banks
(Column A)
To Be Completed
by Banks with
$300 Million or More
in Total Assets1
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 ................................
(2) Other construction loans and all land development and other
land loans ........................................................................
b. Secured by farmland
(including farm residential and other improvements) .......................
c. Secured by 1–4 family residential properties:
(1) Revolving, open-end loans secured by 1– 4 family residential
properties and extended under lines of credit ...........................
(2) Closed-end loans secured by 1– 4 family residential properties:
(a) Secured by first liens ......................................................
(b) Secured by junior liens ...................................................
d. Secured by multifamily (5 or more) residential properties ................
e. Secured by nonfarm nonresidential properties:
(1) Loans secured by owner-occupied nonfarm nonresidential
properties .........................................................................
(2) Loans secured by other nonfarm nonresidential properties .........
2. Loans to depository institutions and acceptances of other banks .........
a. To commercial banks in the U.S. ...............................................
b. To other depository institutions in the U.S. ...................................
c. To banks in foreign countries .....................................................
3. Loans to finance agricultural production and other loans to farmers ......
4. Commercial and industrial loans ....................................................
a. To U.S. addressees (domicile) ..................................................
b. To non-U.S. addressees (domicile) ............................................
5. Not applicable
6. Loans to individuals for household, family, and other personal
expenditures (i.e., consumer loans) (includes purchased paper):
a. Credit cards ..........................................................................
b. Other revolving credit plans ......................................................
c. Automobile loans ...................................................................
d. Other consumer loans (includes single payment and installment,
loans other than automobile loans, and all student loans) ................
7. Not applicable
8. Obligations (other than securities and leases) of states and political
subdivisions in the U.S. ..............................................................
RCON
Amount
RCON
Amount
F158
1.a.(1)
F159
1.a.(2)
1420
1.b.
1797
1.c.(1)
5367
1.c.(2)(a)
1.c.(2)(b)
1.d.
5368
1460
F160
F161
1288
B531
B534
B535
1590
1766
1763
1764
1.e.(1)
1.e.(2)
2.
2.a.
2.b.
2.c.
3.
4.
4.a.
4.b.
B538
B539
K137
6.a.
6.b.
6.c.
K207
6.d.
2107
8.
1. The $300 million asset size test is based on the total assets reported on the June 30, 2017, Report of Condition.
03/2018
FFIEC 041
Page 25 of 84
RC-10
Schedule RC-C—Continued
Part I—Continued
(Column B)
To Be Completed
by All Banks
(Column A)
To Be Completed
by Banks with
$300 Million or More
in Total Assets1
Dollar Amounts in Thousands
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) .................................
10. Lease financing receivables (net of unearned income) ......................
a. Leases to individuals for household, family, and other personal
expenditures (i.e., consumer leases) ..........................................
b. All other leases ......................................................................
11. LESS: Any unearned income on loans reflected in items 1-9 above .....
12. Total loans and leases held for investment and held for sale
(sum of items 1 through 10 minus item 11)
(must equal Schedule RC, sum of items 4.a and 4.b) ........................
RCON
Amount
RCON
Amount
J454
J464
9.a.
9.b.
1545
J451
2165
9.b.(1)
9.b.(2)
10.
2123
10.a.
10.b.
11.
2122
12.
F162
F163
Memoranda
Dollar Amounts in Thousands
1. Loans restructured in troubled debt restructurings that are in compliance with their modified
terms (included in Schedule RC-C, Part I, and not reported as past due or nonaccrual in
Schedule RC-N, Memorandum item 1):
a. Construction, land development, and other land loans:
(1) 1–4 family residential construction loans ..................................................................
(2) Other construction loans and all land development and other land loans .........................
b. Loans secured by 1– 4 family residential properties.........................................................
c. Secured by multifamily (5 or more) residential properties ..................................................
d. Secured by nonfarm nonresidential properties:
(1) Loans secured by owner-occupied nonfarm nonresidential properties ............................
(2) Loans secured by other nonfarm nonresidential properties...........................................
e. Commercial and industrial loans .................................................................................
RCON
K158
K159
F576
K160
K161
K162
K256
Amount
M.1.a.(1)
M.1.a.(2)
M.1.b.
M.1.c.
M.1.d.(1)
M.1.d.(2)
M.1.e.
Memorandum items 1.e.(1) and (2) are to be completed by banks with $300 million or more
in total assets1 (sum of Memorandum items 1.e(1) and (2) must equal Memorandum
item 1.e):
(1) To U.S. addressees (domicile) ............................................... K163
(2) To non-U.S. addressees (domicile) ......................................... K164
f. All other loans (include loans to individuals for household, family, and other personal
expenditures) .......................................................................................................... K165
M.1.e.(1)
M.1.e.(2)
M.1. f.
Itemize loan categories included in Memorandum item 1.f, above that exceed 10 percent
of total loans restructured in troubled debt restructurings that are in compliance with their
modified terms (sum of Memorandum items 1.a through 1.e plus 1.f):
(1) Loans secured by farmland ................................................... K166
(2) and (3) Not applicable
M.1. f.(1)
1. The $300 million asset size test is based on the total assets reported on the June 30, 2017, Report of Condition.
03/2018
FFIEC 041
Page 26 of 84
RC-11
Schedule RC-C—Continued
Part I—Continued
Memoranda—Continued
Dollar Amounts in Thousands RCON
1. f. (4) Loans to individuals for household, family, and other
personal expenditures:
(a) Credit cards .............................................................. K098
(b) Automobile loans ....................................................... K203
(c) Other (includes revolving credit plans other than credit
cards and other consumer loans) ................................... K204
Amount
RCON
Amount
M.1. f.(4)(a)
M.1. f.(4)(b)
M.1. f.(4)(c)
1
Memorandum item 1.f.(5) is to be completed by:
• Banks with $300 million or more in total assets
• Banks with less than $300 million in total assets that have
loans to finance agricultural production and other loans to
farmers (Schedule RC-C, Part I, item 3)
exceeding 5 percent of total loans
(5) Loans to finance agricultural production and other loans to
farmers included in Schedule RC-C, Part I,
Memorandum item 1.f, above............................................ K168
g. Total loans restructured in troubled debt restructurings that are in compliance with their
modified terms (sum of Memorandum items 1.a.(1) through 1.e plus 1.f) .........................
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) with a remaining maturity or next
repricing date of:2, 3
(1) Three months or less .......................................................................................
(2) Over three months through 12 months .................................................................
(3) Over one year through three years .....................................................................
(4) Over three years through five years ....................................................................
(5) Over five years through 15 years ........................................................................
(6) Over 15 years ................................................................................................
b. All loans and leases (reported in Schedule RC-C, Part I, items 1 through 10, column B
above) EXCLUDING closed-end loans secured by first liens on 1–4 family residential
properties (reported in Schedule RC-C, Part I, item 1.c.(2)(a), column B, above) with a
remaining maturity or next repricing date of:2, 4
(1) Three months or less .......................................................................................
(2) Over three months through 12 months .................................................................
(3) Over one year through three years ......................................................................
(4) Over three years through five years.....................................................................
(5) Over five years through 15 years ........................................................................
(6) Over 15 years .................................................................................................
c. Loans and leases (reported in Schedule RC-C, Part I, items 1 through 10, column B, above)
with a REMAINING MATURITY of one year or less (excluding those in nonaccrual status) ....
M.1. f.(5)
HK25
M.1.g.
A564
A565
M.2.a.(1)
M.2.a.(2)
M.2.a.(3)
M.2.a.(4)
M.2.a.(5)
M.2.a.(6)
A566
A567
A568
A569
A570
A574
A575
M.2.b.(1)
M.2.b.(2)
M.2.b.(3)
M.2.b.(4)
M.2.b.(5)
M.2.b.(6)
A247
M.2.c.
A571
A572
A573
1. The $300 million asset size test and the 5 percent of total loans test are based on the total assets and total loans reported on the
June 30, 2017, Report of Condition.
2. Report fixed-rate loans and leases by remaining maturity and floating rate loans by next repricing date.
3. Sum of Memorandum items 2.a.(1) through 2.a.(6) plus total nonaccrual closed-end loans secured by first liens on 1– 4 family residential properties
included in Schedule RC-N, item 1.c.(2)(a), column C, must equal total closed-end loans secured by first liens on 1– 4 family residential properties
from Schedule RC-C, Part I, item 1.c.(2)(a), column B.
4. Sum of Memorandum items 2.b.(1) through 2.b.(6), plus total nonaccrual loans and leases from Schedule RC-N, item 9, column C, minus nonaccrual
closed-end loans secured by first liens on 1– 4 family residential properties included in Schedule RC-N, item 1.c.(2)(a), column C, must equal total
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.
03/2018
FFIEC 041
Page 27 of 84
RC-12
Schedule RC-C—Continued
Part I—Continued
Memoranda—Continued
Dollar Amounts in Thousands RCON
3. Loans to finance commercial real estate, construction, and land development activities
(not secured by real estate) included in Schedule RC-C, Part I, items 4 and 9, column B1 .. 2746
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) ..................................... 5370
5. To be completed by banks with $300 million or more in total assets:2
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)............................ B837
Amount
M.3.
M.4.
M.5.
Memorandum item 6 is to be completed by banks that (1) together with affiliated institutions,
have outstanding credit card receivables (as defined in the instructions) that exceed $500
million as of the report date or (2) are credit card specialty banks as defined for Uniform
Bank Performance Report purposes.
6. Outstanding credit card fees and finance charges included in Schedule RC-C, Part I,
item 6.a ........................................................................................................... C391
M.6.
Memorandum items 7.a, 7.b, and 8.a are to be completed by all banks semiannually in the
June and December reports only.
7. Purchased credit-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........................................................................................ C779
b. Amount included in Schedule RC-C, Part I, items 1 through 9 .................................. C780
8. Closed-end loans with negative amortization features secured by 1–4 family residential
properties:
a. Total 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))............ F230
M.7.a.
M.7.b.
M.8.a.
Memorandum items 8.b and 8.c are to be completed semiannually in the June and December
reports only by banks that had closed-end loans with negative amortization features secured
by 1–4 family residential properties (as reported in Schedule RC-C, Part I, Memorandum item
8.a) as of December 31, 2017, that exceeded the lesser of $100 million or 5 percent of total
loans and leases held for investment and held for sale (as reported in Schedule RC-C, Part I,
item 12, column B).
b. Total maximum remaining amount of negative amortization contractually permitted on
closed-end loans secured by 1–4 family residential properties.................................... F231
c. Total amount of negative amortization on closed-end loans secured by 1–4 family residential
properties included in the amount reported in Memorandum item 8.a above..................... F232
9. Loans secured by 1–4 family residential properties in process of foreclosure
(included in Schedule RC-C, Part I, items 1.c.(1), 1.c.(2)(a), and 1.c.(2)(b)) ....................... F577
10. and 11. Not applicable
M.8.b.
M.8.c.
M.9.
1. Exclude loans secured by real estate that are included in Schedule RC-C, Part I, items 1.a through 1.e, column B.
2. The $300 million asset size test is based on the total assets reported on the June 30, 2017, Report of Condition.
06/2018
FFIEC 041
Page 28 of 84
RC-13
Schedule RC-C—Continued
Part I—Continued
Memoranda—Continued
(Column A)
Fair Value of Acquired
Loans and Leases at
Acquisition Date
Dollar Amounts in Thousands
RCON
Amount
(Column B)
Gross Contractual
Amounts Receivable
at Acquisition Date
RCON
Amount
(Column C)
Best Estimate at
Acquisition Date of
Contractual Cash Flows
Not Expected to be
Collected
RCON
Amount
Memorandum items 12.a, 12.b, 12.c, and 12.d
are to be completed semiannually in the June
and December reports only.
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 ....................
b. Commercial and industrial loans ...............
c. Loans to individuals for household, family,
and other personal expenditures .................
d. All other loans and all leases.....................
G091
G092
G093
G094
G095
G096
M.12.a.
M.12.b.
G097
G100
G098
G099
G102
M.12.c.
M.12.d.
G101
Dollar Amounts in Thousands
RCON
Amount
Memoranda 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 capital (as reported in Schedule RC-R, Part I, item 35.a) as of December 31, 2017.
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) .................................................. G376
b. Amount of interest capitalized from interest reserves on construction, land development,
RIAD
and other land loans that is included in interest and fee income on loans during the quarter
(included in Schedule RI, item 1.a.(1)(b)) ..................................................................... G377
Memorandum item 14 is to be completed by all banks.
M.13.a.
M.13.b.
RCON
14. Pledged loans and leases ........................................................................................... G378
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):
(1) Home Equity Conversion Mortgage (HECM) reverse mortgages ...................................
(2) Proprietary reverse mortgages ..............................................................................
b. Estimated number of reverse mortgage loan referrals to other lenders during the year
from whom compensation has been received for services performed in connection with
the origination of the reverse mortgages:
(1) Home Equity Conversion Mortgage (HECM) reverse mortgages ...................................
(2) Proprietary reverse mortgages .............................................................................
c. Principal amount of reverse mortgage originations that have been sold during the year:
(1) Home Equity Conversion Mortgage (HECM) reverse mortgages ...................................
(2) Proprietary reverse mortgages .............................................................................
J466
M.15.a.(1)
M.15.a.(2)
J467
Number
J468
J469
M.15.b.(1)
M.15.b.(2)
Amount
J470
J471
M.15.c.(1)
M.15.c.(2)
06/2018
FFIEC 041
Page 29 of 84
RC-14
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
RCON Yes
less (If your bank has no loans outstanding in both of these two loan categories, place an "X" in the
box marked "NO.")............................................................................................................ 6999
No
1.
If YES, complete items 2.a and 2.b below, skip items 3 and 4, and go to item 5.
If NO and your bank has loans outstanding in either loan category, skip items 2.a and 2.b, complete items 3 and 4 below, and go to item 5.
If NO and your bank has no loans outstanding in both loan categories, skip items 2 through 4, and go to item 5.
2. Report the total number of loans currently outstanding for each of the following Schedule RC-C, Part
I, loan categories:
a. "Loans secured by nonfarm nonresidential properties" reported in Schedule RC-C, Part I, items
1.e.(1) and 1.e.(2) (Note: Sum of items 1.e.(1) and 1.e.(2) divided by the number of loans should
NOT exceed $100,000.) .................................................................................................
b. "Commercial and industrial loans" reported in Schedule RC-C, Part I, item 41
(Note: Item 4,1 divided by the number of loans should NOT exceed $100,000.)............................
Number of Loans
Number
RCON
5562
2.a.
5563
2.b.
(Column B)
Amount
Currently
Outstanding
(Column A)
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)):
a. With original amounts of $100,000 or less ............................................
b. With original amounts of more than $100,000 through $250,000.................
c. With original amounts of more than $250,000 through $1,000,000 ..............
4. Number and amount currently outstanding of "Commercial and industrial loans"
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 .............................................
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 ..............
RCON
Number
RCON
Amount
5564
5566
5565
5567
5568
5569
3.a.
3.b.
3.c.
5570
5572
5574
5571
5573
5575
4.a.
4.b.
4.c.
1. Banks with $300 million or more in total assets should provide the requested information for "Commercial and industrial loans" based on the loans
reported in Schedule RC-C, Part I, item 4.a, column A, "Commercial and industrial loans to U.S. addressees."
06/2012
FFIEC 041
Page 30 of 84
RC-15
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" in 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 RCON Yes
loan categories, place an "X" in the box marked "NO.").............................................................. 6860
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.) ........................................................................................................
b. "Loans to finance agricultural production and other loans to farmers" in reported in Schedule RC-C,
Part I, item 3 (Note: Item 3 divided by the number of loans should NOT exceed $100,000.) ............
Number of Loans
Number
RCON
5576
6.a.
5577
6.b.
(Column B)
Amount
Currently
Outstanding
(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):
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 ...........................................
b. With original amounts of more than $100,000 through $250,000 ..............
c. With original amounts of more than $250,000 through $500,000 ..............
RCON
Number
RCON
Amount
5578
5580
5579
5581
5582
5583
7.a.
7.b.
7.c.
5584
5586
5588
5585
5587
5589
8.a.
8.b.
8.c.
06/2012
FFIEC 041
Page 31 of 84
RC-16
Schedule RC-D—Trading Assets and Liabilities
Schedule RC-D is to be completed by banks that (1) reported total trading assets of $10 million or more in any of the four
preceding calendar quarters, or (2) meet the FDIC's definition of a large or highly complex institution for deposit insurance
assessment purposes.
Dollar Amounts in Thousands
Assets
1. U.S. Treasury securities ..............................................................................................
2. U.S. Government agency obligations (exclude mortgage-backed securities)...........................
3. Securities issued by states and political subdivisions in the U.S. ..........................................
4. Mortgage-backed securities (MBS):
a. Residential mortgage pass-through securities issued or guaranteed by FNMA, FHLMC,
or GNMA...............................................................................................................
b. Other residential MBS issued or guaranteed by U.S. Government agencies or sponsored
agencies 1 (include CMOs, REMICs, and stripped MBS) ......................................................
c. All other residential MBS ..........................................................................................
d. Commercial MBS issued or guaranteed by U.S. Government agencies or sponsored
agencies 1 ..............................................................................................................
e. All other commercial MBS.........................................................................................
5. Other debt securities:
a. Structured financial products .....................................................................................
b. All other debt securities ............................................................................................
6. Loans:
a. Loans secured by real estate:
(1) Loans secured by 1– 4 family residential properties ...................................................
(2) All other loans secured by real estate .....................................................................
b. Commercial and industrial loans ................................................................................
c. Loans to individuals for household, family, and other personal expenditures
(i.e., consumer loans) (includes purchased paper) .........................................................
d. Other loans............................................................................................................
7. and 8. Not applicable
9. Other trading assets ...................................................................................................
10. Not applicable
11. Derivatives with a positive fair value ...............................................................................
12. Total trading assets (sum of items 1 through 11) (must equal Schedule RC, item 5) ................
Liabilities
13. a. Liability for short positions.........................................................................................
b. Other trading liabilities .............................................................................................
14. Derivatives with a negative fair value ..............................................................................
15. Total trading liabilities (sum of items 13.a through 14) (must equal Schedule RC, item 15) ...........
RCON
Amount
3531
3532
3533
1.
2.
3.
G379
4.a.
G380
G381
4.b.
4.c.
K197
K198
4.d.
4.e.
HT62
G386
5.a.
5.b.
HT63
HT64
F614
6.a.(1)
6.a.(2)
6.b.
HT65
F618
6.c.
6.d.
3541
9.
3543
3545
11.
12.
3546
F624
13.a.
13.b.
14.
15.
3547
3548
1. U.S. Government agencies include, but are not limited to, such agencies as the Government National Mortgage Association (GNMA), the Federal
Deposit Insurance Corporation (FDIC), and the National Credit Union Administration (NCUA). U.S. Government-sponsored agencies include, but are
not limited to, such agencies as the Federal Home Loan Mortgage Corporation (FHLMC) and the Federal National Mortgage Association (FNMA).
Memoranda
Dollar Amounts in Thousands
1. Unpaid principal balance of loans measured at fair value
(reported in Schedule RC-D, items 6.a through 6.d):
a. Loans secured by real estate:
(1) Loans secured by 1-4 family residential properties .....................................................
(2) All other loans secured by real estate ......................................................................
b. Commercial and industrial loans ................................................................................
c. Loans to individuals for household, family, and other personal expenditures
(i.e., consumer loans) (includes purchased paper) ..........................................................
d. Other loans ...........................................................................................................
RCON
HT66
HT67
F632
HT68
F636
Amount
M.1.a.(1)
M.1.a.(2)
M.1.b.
M.1.c.
M.1.d.
09/2018
FFIEC 041
Page 32 of 84
RC-17
Schedule RC-E—Deposit Liabilities
Nontransaction
Accounts
Transaction Accounts
(Column A)
Total Transaction
Accounts (Including
Total Demand
Deposits)
Dollar Amounts in Thousands
Deposits of:
1. Individuals, partnerships, and corporations ......
2. U.S. Government ......................................
3. States and political subdivisions in the U.S. ....
4. Commercial banks and other depository
institutions in the U.S. .................................
5. Banks in foreign countries ...........................
6. Foreign governments and official institutions
(including foreign central banks) ....................
7. Total (sum of items 1 through 6) (sum of
columns A and C must equal Schedule RC,
item 13.a) .................................................
RCON
Amount
(Column B)
Memo: Total
Demand Deposits1
(Included in
Column A)
RCON
Amount
(Column C)
Total
Nontransaction
Accounts
(Including MMDAs)
RCON
Amount
B549
B550
2202
2520
2203
2530
1.
2.
3.
B551
2213
B552
2236
4.
5.
2216
2377
6.
2385
7.
2215
2210
Memoranda
Dollar Amounts in Thousands
1. Selected components of total deposits (i.e., sum of item 7, columns A and C):
a. Total Individual Retirement Accounts (IRAs) and Keogh Plan accounts ..............................
b. Total brokered deposits ...........................................................................................
c. Brokered deposits of $250,000 or less (fully insured brokered deposits)2 ............................
d. Maturity data for brokered deposits:
(1) Brokered deposits of $250,000 or less with a remaining maturity of one year or less
(included in Memorandum item 1.c above) ...............................................................
(2) Not applicable
(3) Brokered deposits of more than $250,000 with a remaining maturity of one year or
less (included in Memorandum item 1.b above) ........................................................
e. Preferred deposits (uninsured deposits of states and political subdivisions in the U.S.
reported in item 3 above which are secured or collateralized as required under state law)
(to be completed for the December report only) .............................................................
f. Estimated amount of deposits obtained through the use of deposit listing services
that are not brokered deposits ...................................................................................
g. Total reciprocal deposits (as of the report date) ........................................................
RCON
Amount
6835
2365
HK05
M.1.a.
M.1.b.
M.1.c.
HK06
M.1.d.(1)
K220
M.1.d.(3)
5590
M.1.e.
K223
JH83
M.1. f.
M.1.g.
1. Includes interest-bearing and noninterest-bearing demand deposits.
2. The dollar amount used as the basis for reporting in Memorandum item 1.c reflects the deposit insurance limits in effect on the
report date.
12/2018
FFIEC 041
Page 33 of 84
RC-18
Schedule RC-E—Continued
Memoranda—Continued
Dollar Amounts in Thousands
2. Components of total nontransaction accounts
(sum of Memorandum items 2.a through 2.d must equal item 7, column C above):
a. Savings deposits:
(1) Money market deposit accounts (MMDAs) ..............................................................
(2) Other savings deposits (excludes MMDAs) .............................................................
b. Total time deposits of less than $100,000 ....................................................................
c. Total time deposits of $100,000 through $250,000 ........................................................
d. Total time deposits of more than $250,000 ...................................................................
e. Individual Retirement Accounts (IRAs) and Keogh Plan accounts of $100,000 or more
included in Memorandum items 2.c and 2.d above .........................................................
3. Maturity and repricing data for time deposits of $250,000 or less:
a. Time deposits of $250,000 or less with a remaining maturity or next repricing date of:1, 2
(1) Three months or less ..........................................................................................
(2) Over three months through 12 months ....................................................................
(3) Over one year through three years ........................................................................
(4) Over three years ...............................................................................................
b. Time deposits of $250,000 or less with a REMAINING MATURITY of one year or less
(included in Memorandum items 3.a.(1) and 3.a.(2) above)3 ............................................
4. Maturity and repricing data for time deposits of more than $250,000:
a. Time deposits of more than $250,000 with a remaining maturity or next repricing date of:1, 4
(1) Three months or less ..........................................................................................
(2) Over three months through 12 months ....................................................................
(3) Over one year through three years ........................................................................
(4) Over three years ...............................................................................................
b. Time deposits of 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 .............................................
RCON
Amount
6810
0352
6648
J473
J474
M.2.a.(1)
M.2.a.(2)
M.2.b.
M.2.c.
M.2.d.
F233
M.2.e.
HK07
HK08
HK09
HK10
M.3.a.(1)
M.3.a.(2)
M.3.a.(3)
M.3.a.(4)
HK11
M.3.b.
HK12
HK13
HK14
HK15
M.4.a.(1)
M.4.a.(2)
M.4.a.(3)
M.4.a.(4)
K222
M.4.b.
5. Does your institution offer one or more consumer deposit account products, i.e., transaction
RCON Yes
account or nontransaction savings account deposit products intended primarily for
individuals for personal, household, or family use?............................................................ P752
No
M.5.
Memorandum items 6 and 7 are to be completed by institutions with $1 billion or more in total
assets5 that answered "Yes" to Memorandum item 5 above.
Dollar Amounts in Thousands RCON
6. Components of total transaction account deposits of individuals, partnerships, and corporations
(sum of Memorandum items 6.a and 6.b must be less than or equal to item 1, column A above):
a. Total deposits in those noninterest-bearing transaction account deposit products intended
primarily for individuals for personal, household, or family use .......................................... P753
b. Total deposits in those interest-bearing transaction account deposit products intended
primarily for individuals for personal, household, or family use .......................................... P754
Amount
M.6.a.
M.6.b.
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, sum of Memorandum items 2.b and 2.c.
3. Report both fixed-and floating-rate time deposits by remaining maturity. Exclude floating-rate time deposits with a next repricing date of one year or
less that have a remaining maturity of over one year.
4. Sum of Memorandum items 4.a.(1) through 4.a.(4) must equal Schedule RC-E, Memorandum item 2.d.
5. The $1 billion asset size test is based on the total assets reported on the June 30, 2017, Report of Condition.
03/2018
FFIEC 041
Page 34 of 84
RC-19
Schedule RC-E—Continued
Memoranda—Continued
Dollar Amounts in Thousands
7. Components of total nontransaction account deposits of individuals, partnerships, and
corporations (sum of Memorandum items 7.a.(1), 7.a.(2), 7.b.(1), and 7.b.(2) plus all time
deposits of individuals, partnerships, and corporations must equal item 1, column C, above):
a. Money market deposit accounts (MMDAs) of individuals, partnerships, and corporations
(sum of Memorandum items 7.a.(1) and 7.a.(2) must be less than or equal to
Memorandum item 2.a.(1) above):
(1) Total deposits in those MMDA deposit products intended primarily for individuals
for personal, household, or family use ..................................................................
(2) Deposits in all other MMDAs of individuals, partnerships, and
corporations ...................................................................................................
b. Other savings deposit accounts of individuals, partnerships, and corporations (sum
of Memorandum items 7.b.(1) and 7.b.(2) must be less than or equal to Memorandum
item 2.a.(2) above):
(1) Total deposits in those other savings deposit account deposit products intended
primarily for individuals for personal, household, or family use...................................
(2) Deposits in all other savings deposit accounts of individuals, partnerships, and
corporations ...................................................................................................
RCON
Amount
P756
M.7.a.(1)
P757
M.7.a.(2)
P758
M.7.b.(1)
P759
M.7.b.(2)
03/2015
FFIEC 041
Page 35 of 84
RC-20
Schedule RC-F—Other Assets
Dollar Amounts in Thousands
1. Accrued interest receivable ................................................................................................
2. Net deferred tax assets2 .....................................................................................................
3. Interest-only strips receivable (not in the form of a security)3 ................................................
4. Equity investments without readily determinable fair values4 ...................................................
5. Life insurance assets:
a. General account life insurance assets ...............................................................................
b. Separate account life insurance assets...............................................................................
c. Hybrid account life insurance assets .................................................................................
6. All other assets
(itemize and describe amounts greater than $100,000 that exceed 25 percent of this item) ...............
a. Prepaid expenses .......................................................................... 2166
b. Repossessed personal property (including vehicles) ............................. 1578
c. Derivatives with a positive fair value held for purposes other than
trading ........................................................................................ C010
d. FDIC loss-sharing indemnification assets ............................................ J448
e. Computer software ......................................................................... FT33
f. Accounts receivable ....................................................................... FT34
g. Receivables from foreclosed government-guaranteed mortgage loans ...... FT35
TEXT
3549
h. 3549
TEXT
3550
i. 3550
TEXT
3551
j. 3551
7. Total (sum of items 1 through 6) (must equal Schedule RC, item 11) ...........................................
1
RCON
Amount
B556
2148
1.
2.
3.
4.
HT80
1752
K201
5.a.
5.b.
5.c.
K202
K270
2168
6.
6.a.
6.b.
6.c.
6.d.
6.e.
6. f.
6.g.
6.h.
6. i.
6. j.
7.
2160
1. Include accrued interest receivable on loans, leases, debt securities, and other interest-bearing assets.
2. See discussion of deferred income taxes in Glossary entry on "income taxes."
3. Report interest-only strips receivable in the form of a security as available-for-sale securities in Schedule RC, item 2.b, or as trading assets in
Schedule RC, item 5, as appropriate.
4. Include Federal Reserve stock, Federal Home Loan Bank stock, and bankers' bank stock.
Schedule RC-G—Other Liabilities
Dollar Amounts in Thousands
1. a. Interest accrued and unpaid on deposits1 ...........................................................................
b. Other expenses accrued and unpaid (includes accrued income taxes payable) ..........................
2. Net deferred tax liabilities2 ..................................................................................................
3. Allowance for credit losses on off-balance-sheet credit exposures ..............................................
4. All other liabilities
(itemize and describe amounts greater than $100,000 that exceed 25 percent of this item) ...............
a. Accounts payable .......................................................................... 3066
b. Deferred compensation liabilities ...................................................... C011
c. Dividends declared but not yet payable .............................................. 2932
d. Derivatives with a negative fair value held for purposes other than trading .. C012
TEXT
3552
e. 3552
TEXT
3553
f. 3553
TEXT
3554
g. 3554
5. Total (sum of items 1 through 4) (must equal Schedule RC, item 20) ...........................................
RCON
Amount
3645
3646
3049
B557
1.a.
1.b.
2.
3.
2938
4.
4.a.
4.b.
4.c.
4.d.
4.e.
4. f.
4.g.
5.
2930
1. For savings banks, include "dividends" accrued and unpaid on deposits.
2. See discussion of deferred income taxes in Glossary entry on "income taxes."
06/2018
FFIEC 041
Page 36 of 84
RC-21
Schedule RC-K—Quarterly Averages1
Dollar Amounts in Thousands
Assets
1. Interest-bearing balances due from depository institutions ....................................................
2. U.S. Treasury securities and U.S. Government agency obligations2
(excluding mortgage-backed securities) ............................................................................
3. Mortgage-backed securities2 ...........................................................................................
4. All other debt securities2 and equity securities with readily determinable fair values not
held for trading3 .........................................................................................................
5. Federal funds sold and securities purchased under agreements to resell .................................
6. Loans:
a. Total loans ..............................................................................................................
b. Loans secured by real estate:
(1) Loans secured by 1– 4 family residential properties .....................................................
(2) All other loans secured by real estate .......................................................................
c. Commercial and industrial loans...................................................................................
d. Loans to individuals for household, family, and other personal expenditures:
(1) Credit cards ........................................................................................................
(2) Other (includes revolving credit plans other than credit cards, automobile loans,
and other consumer loans) .....................................................................................
RCON
Amount
3381
1.
B558
2.
3.
B559
B560
3365
4.
5.
3360
6.a.
3465
3466
3387
6.b.(1)
6.b.(2)
6.c.
B561
6.d.(1)
B562
6.d.(2)
Item 7 is to be completed by (1) banks that reported total trading assets of $10 million or more in
any of the four preceding calendar quarters and (2) all banks meeting the FDIC's definition of a
large or highly complex institution for deposit insurance assessment purposes.
7. Trading assets ............................................................................................................. 3401
8. Lease financing receivables (net of unearned income) ......................................................... 3484
9. Total assets4 ............................................................................................................... 3368
Liabilities
10. Interest-bearing transaction accounts (interest-bearing demand deposits, NOW accounts,
ATS accounts, and telephone and preauthorized transfer accounts)........................................
11. Nontransaction accounts:
a. Savings deposits (includes MMDAs) .............................................................................
b. Time deposits of $250,000 or less ................................................................................
c. Time deposits of more than $250,000............................................................................
12. Federal funds purchased and securities sold under agreements to repurchase .........................
13. To be completed by banks with $100 million or more in total assets:5
Other borrowed money
(includes mortgage indebtedness and obligations under capitalized leases) .............................
7.
8.
9.
3485
10.
B563
HK16
HK17
3353
11.a.
11.b.
11.c.
12.
3355
13.
1. For all items, banks have the option of reporting either (1) an average of DAILY figures for the quarter, or (2) an average of WEEKLY figures
(i.e., the Wednesday of each week of the quarter).
2. Quarterly averages for all debt securities should be based on amortized cost.
3. For institutions that have adopted ASU 2016-01, which includes provisions governing the accounting for investments in equity
securities, quarterly averages for equity securities with readily determinable fair values should be based on fair value. For
institutions that have not adopted ASU 2016-01, quarterly averages for equity securities with readily determinable fair values
should be based on historical cost.
4. The quarterly average for total assets should reflect securities not held for trading as follows:
a) Debt securities at amortized cost.
b) For institutions that have adopted ASU 2016-01, equity securities with readily determinable fair values at fair value. For
institutions that have not adopted ASU 2016-01, equity securities with readily determinable fair values at the lower of cost or
fair value.
c) For institutions that have adopted ASU 2016-01, equity investments without readily determinable fair values, their balance sheet
carrying values (i.e., fair value or, if elected, cost minus impairment, if any, plus or minus changes resulting from observable
price changes). For institutions that have not adopted ASU 2016-01, equity investments without readily determinable fair values
at historical cost.
5. The $100 million asset-size test is based on the total assets reported on the June 30, 2017, Report of Condition.
06/2018
FFIEC 041
Page 37 of 84
RC-22
Schedule RC-K—Quarterly Averages1—Continued
Memorandum
Dollar Amounts in Thousands
RCON
Amount
2
Memorandum item 1 is to be completed by:
• 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 1, item 3) exceeding 5 percent
of total loans.
1. Loans to finance agricultural production and other loans to farmers ........................................ 3386
M.1.
1. For all items, banks have the option of reporting either (1) an average of DAILY figures for the quarter, or (2) an average of WEEKLY figures
(i.e., the Wednesday of each week of the quarter).
2. The $300 million asset-size test and the 5 percent of total loans test are based on the total assets and total loans reported on the
June 30, 2017, Report of Condition.
06/2018
FFIEC 041
Page 38 of 84
RC-23
Schedule RC-L—Derivatives and Off-Balance-Sheet Items
Please read carefully the instructions for the preparation of Schedule RC-L. Some of the amounts reported in Schedule RC-L
are regarded as volume indicators and not necessarily as measures of risk.
Dollar Amounts in Thousands RCON
1. Unused commitments:
a. Revolving, open-end lines secured by 1– 4 family residential properties, e.g., home
equity lines ............................................................................................................ 3814
Amount
1.a.
Item 1.a.(1) is to be completed for the December report only.
(1) Unused commitments for reverse mortgages outstanding that are held for investment
(included in item 1.a. above) ................................................................................... HT72
b. Credit card lines...................................................................................................... 3815
1.a.(1)
1.b.
Items 1.b.(1) and 1.b.(2) are to be completed semiannually in the June and December
reports only by banks with either $300 million or more in total assets or $300 million or more
in credit card lines 1 (sum of items 1.b.(1) and 1.b.(2) must equal item 1.b).
(1) Unused consumer credit card lines ........................................................................
(2) Other unused credit card lines...............................................................................
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...................................................................................
J455
J456
1.b.(1)
1.b.(2)
F164
1.c.(1)(a)
F165
6550
1.c.(1)(b)
1.c.(2)
1.d.
3817
J457
J458
J459
3819
1.e.(1)
1.e.(2)
1.e.(3)
2.
Item 2.a is to be completed by banks with $1 billion or more in total assets.1
a. Amount of financial standby letters of credit conveyed to others........ 3820
3. Performance standby letters of credit ............................................................................. 3821
2.a.
3.
Item 3.a is to be completed by banks with $1 billion or more in total assets.1
a. Amount of performance standby letters of credit conveyed to others ...... 3822
4. Commercial and similar letters of credit........................................................................... 3411
5. Not applicable
6. Securities lent and borrowed:
a. Securities lent (including customers' securities lent where the customer is indemnified against
loss by the reporting bank) ......................................................................................... 3433
b. Securities borrowed................................................................................................. 3432
(Column A)
Sold Protection
7. Credit derivatives:
a. Notional amounts:
(1) Credit default swaps ...........................
(2) Total return swaps ..............................
(3) Credit options ....................................
(4) Other credit derivatives ........................
RCON
Amount
3.a.
4.
6.a.
6.b.
(Column B)
Purchased Protection
RCON
C968
C969
C970
C972
C974
C971
C973
C975
Amount
7.a.(1)
7.a.(2)
7.a.(3)
7.a.(4)
1. The asset-size tests and the $300 million credit card lines test are based on the total assets and credit card lines reported in the
June 30, 2017, Report of Condition.
06/2018
FFIEC 041
Page 39 of 84
RC-24
Schedule RC-L—Continued
(Column A)
Sold Protection
Dollar Amounts in Thousands RCON
7. b. Gross fair values:
(1) Gross positive fair value.................... C219
(2) Gross negative fair value .................. C220
Amount
(Column B)
Purchased Protection
RCON
Amount
C221
C222
7.b.(1)
7.b.(2)
7. c. Notional amounts by regulatory capital treatment:1
(1) Positions covered under the Market Risk Rule:
(a) Sold protection ...........................................................................................
(b) Purchased protection ...................................................................................
(2) All other positions:
(a) Sold protection ...........................................................................................
(b) Purchased protection that is recognized as a guarantee for regulatory capital purposes.......
(c) Purchased protection that is not recognized as a guarantee for regulatory
capital purposes .........................................................................................
RCON
Amount
G401
G402
7.c.(1)(a)
7.c.(1)(b)
G403
G404
7.c.(2)(a)
7.c.(2)(b)
G405
7.c.(2)(c)
Remaining Maturity of:
(Column A)
One Year or Less
Dollar Amounts in Thousands
7. d. Notional amounts by remaining maturity:
(1) Sold credit protection:2
(a) Investment grade ........................
(b) Subinvestment grade ...................
(2) Purchased credit protection:3
(a) Investment grade ........................
(b) Subinvestment grade ...................
RCON
Amount
(Column B)
Over One Year
Through Five Years
RCON
Amount
(Column C)
Over Five Years
RCON
G406
G407
G408
G409
G410
G411
G412
G413
G414
G415
G416
G417
RCON
8. Not applicable
9. All other off-balance-sheet liabilities (exclude derivatives) (itemize and describe each
component of this item over 25 percent of Schedule RC, item 27.a, "Total bank equity capital") .. 3430
a. Not applicable
b. Commitments to purchase when-issued securities ...................... 3434
c. Standby letters of credit issued by another party
(e.g., a Federal Home Loan Bank) on the bank's behalf ............... C978
TEXT
3555
d. 3555
TEXT
3556
e. 3556
TEXT
3557
f. 3557
10. All other off-balance-sheet assets (exclude derivatives) (itemize and
describe each component of this item over 25 percent of Schedule
5591
RC, item 27.a, "Total bank equity capital"): ...................................
a. Commitments to sell when-issued securities .............................. 3435
TEXT
5592
b. 5592
TEXT
5593
c. 5593
TEXT
5594
d. 5594
TEXT
5595
e. 5595
Amount
7.d.(1)(a)
7.d.(1)(b)
7.d.(2)(a)
7.d.(2)(b)
Amount
9.
9.b.
9.c.
9.d.
9.e.
9. f.
10.
10.a.
10.b.
10.c.
10.d.
10.e.
1. Sum of items 7.c.(1)(a) and 7.c.(2)(a), must equal sum of items 7.a.(1) through (4), column A. Sum of items 7.c.(1)(b), 7.c.(2)(b), and 7.c.(2)(c) must
equal sum of items 7.a.(1) through (4), column B.
2. Sum of items 7.d.(1)(a) and (b), columns A through C, must equal sum of items 7.a.(1) through (4), column A.
3. Sum of items 7.d.(2)(a) and (b), columns A through C, must equal sum of items 7.a.(1) through (4), column B.
06/2018
FFIEC 041
Page 40 of 84
RC-25
Schedule RC-L—Continued
Dollar Amounts in Thousands
RCON
Amount
Items 11.a and 11.b are to be completed semiannually in the June and December reports only.
11. Year-to-date merchant credit card sales volume:
a. Sales for which the reporting bank is the acquiring bank.................................................... C223
b. Sales for which the reporting bank is the agent bank with risk............................................. C224
Dollar Amounts in Thousands
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.....
11.a.
11.b.
(Column A)
Interest Rate
Contracts
(Column B)
Foreign Exchange
Contracts
(Column C)
Equity Derivative
Contracts
(Column D)
Commodity and Other
Contracts
Amount
Amount
Amount
Amount
RCON 8693
RCON 8694
RCON 8695
RCON 8696
RCON 8697
RCON 8698
RCON 8699
RCON 8700
12.a.
12.b.
RCON 8701
RCON 8702
RCON 8703
RCON 8704
RCON 8705
RCON 8706
RCON 8707
RCON 8708
12.c.(1)
12.c.(2)
RCON 8709
RCON 8710
RCON 8711
RCON 8712
RCON 8713
RCON 8714
RCON 8715
RCON 8716
RCON 3450
RCON 3826
RCON 8719
RCON 8720
12.d.(1)
12.d.(2)
(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 ........................
12.e.
RCON A126
RCON A127
RCON 8723
RCON 8724
13.
RCON 8725
RCON 8726
RCON 8727
RCON 8728
14.
RCON A589
14.a.
06/2018
FFIEC 041
Page 41 of 84
RC-26
Schedule RC-L—Continued
Dollar Amounts in Thousands
Derivatives Position Indicators
15. Gross fair values of
derivative contracts:
a. Contracts held for trading:
(1) Gross positive fair
value .................
(2) Gross negative fair
value .................
b. Contracts held for
purposes other than
trading:
(1) Gross positive fair
value .................
(2) Gross negative fair
value .................
(Column A)
Interest Rate
Contracts
(Column B)
Foreign Exchange
Contracts
(Column C)
Equity Derivative
Contracts
(Column D)
Commodity and Other
Contracts
Amount
Amount
Amount
Amount
RCON 8733
RCON 8734
RCON 8735
RCON 8736
RCON 8737
RCON 8738
RCON 8739
RCON 8740
15.a.(1)
15.a.(2)
RCON 8741
RCON 8742
RCON 8743
RCON 8744
RCON 8745
RCON 8746
RCON 8747
RCON 8748
15.b.(1)
15.b.(2)
(Column A)
Banks and Securities
Firms
Dollar Amounts in Thousands
Item 16 is to be completed only by banks with total
assets of $10 billion or more. 1
16. Over-the-counter derivatives:
a. Net current credit exposure ........................
b. Fair value of collateral:
(1) Cash—U.S. dollar................................
(2) Cash—Other currencies .......................
(3) U.S. Treasury securities........................
(4) through (6) Not Applicable
(7) All other collateral ................................
(8) Total fair value of collateral
(sum of items 16.b.(1) through (7)) ..........
RCON
Amount
(Columns B - D)
Not applicable
RCON
Amount
(Column E)
Corporations and All
Other Counterparties
RCON
Amount
G418
G422
16.a.
G423
G427
G428
G433
G432
G437
16.b.(1)
16.b.(2)
16.b.(3)
G453
G457
16.b.(7)
G458
G462
16.b.(8)
1. The $10 billion asset-size test is based on the total assets reported on the June 30, 2017, Report of Condition.
06/2018
FFIEC 041
Page 42 of 84
RC-27
Schedule RC-M—Memoranda
Dollar Amounts in Thousands
1. Extensions of credit by the reporting bank to its executive officers, directors, principal
shareholders, and their related interests as of the report date:
a. Aggregate amount of all extensions of credit to all executive officers, directors, principal
shareholders, and their related interests .....................................................................
b. Number of executive officers, directors, and principal shareholders to whom the
amount of all extensions of credit by the reporting bank (including extensions of
Number
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:
a. Mortgage servicing assets ........................................................................................
(1) Estimated fair value of mortgage servicing assets ..................... A590
b. Goodwill ..............................................................................................................
c. All other intangible assets .........................................................................................
d. Total (sum of items 2.a, 2.b, and 2.c) (must equal Schedule RC, item 10) ..........................
3. Other real estate owned:
a. Construction, land development, and other land ............................................................
b. Farmland ..............................................................................................................
c. 1–4 family residential properties ................................................................................
d. Multifamily (5 or more) residential properties.................................................................
e. Nonfarm nonresidential properties ..............................................................................
f. Total (sum of items 3.a through 3.e) (must equal Schedule RC, item 7)..............................
4. Cost of equity securities with readily determinable fair values not held for trading
(the fair value of which is reported in Schedule RC, item 2.c)1 ........................................
5. Other borrowed money:
a. Federal Home Loan Bank advances:
(1) Advances with a remaining maturity or next repricing date of:2
(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)3 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
(3) Structured advances (included in items 5.a.(1)(a)–(d) above).......................................
b. Other borrowings:
(1) Other borrowings with a remaining maturity or next repricing date of:4
(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)5 .........................................................................
c. Total
(sum of items 5.a.(1)(a)–(d) and items 5.b.(1)(a)–(d)) (must equal Schedule RC, item 16) ......
RCON
6164
Amount
1.a.
1.b.
3164
3163
JF76
2143
5508
2.a.
2.a.(1)
2.b.
2.c.
2.d.
5512
2150
3.a.
3.b.
3.c.
3.d.
3.e.
3.f.
JA29
4.
F055
F056
F057
F058
5.a.(1)(a)
5.a.(1)(b)
5.a.(1)(c)
5.a.(1)(d)
2651
F059
5.a.(2)
5.a.(3)
F060
F061
F062
F063
5.b.(1)(a)
5.b.(1)(b)
5.b.(1)(c)
5.b.(1)(d)
B571
5.b.(2)
3190
5.c.
5509
5510
5511
1. Item 4 is to be completed only by insured state banks that have adopted ASU 2016-01, which includes provisions governing the accounting
for investments in equity securities, and have been approved by the FDIC to hold grandfathered equity investments. See instructions for
further detail on ASU 2016-01.
2. Report fixed-rate advances by remaining maturity and floating-rate advances by next repricing date.
3. Report both fixed- and floating-rate advances by remaining maturity. Exclude floating-rate advances with a next repricing date of one year or less that
have a remaining maturity of over one year.
4. Report fixed-rate other borrowings by remaining maturity and floating-rate other borrowings by next repricing date.
5. Report both fixed- and floating-rate other borrowings by remaining maturity. Exclude floating-rate other borrowings with a next repricing date of one
year or less that have a remaining maturity of over one year.
06/2018
FFIEC 041
Page 43 of 84
RC-28
Schedule RC-M—Continued
Dollar Amounts in Thousands RCON Yes
6. Does the reporting bank sell private label or third-party mutual funds and annuities? ........... B569
RCON
No
6.
Amount
7. Assets under the reporting bank's management in proprietary mutual funds and annuities.......... B570
8. Internet website addresses and physical office trade names:
a. Uniform Resource Locator (URL) of the reporting institution’s primary Internet website (home page), if any
(Example: www.examplebank.com):
TEXT
http://
4087
b. URLs of all other public-facing Internet websites that the reporting institution uses to accept or solicit deposits from
the public, if any (Example: www.examplebank.biz):1
TE01
(1)
http://
N528
TE02
(2)
http://
N528
TE03
(3)
http://
N528
TE04
(4)
http://
N528
TE05
(5)
http://
N528
TE06
(6)
http://
N528
TE07
(7)
http://
N528
TE08
(8)
http://
N528
TE09
(9)
http://
N528
TE10
(10) N528 http://
c. Trade names other than the reporting institution’s legal title used to identify one or more of the institution’s physical
offices at which deposits are accepted or solicited from the public, if any:
TE01
(1)
N529
TE02
(2)
N529
TE03
(3)
N529
TE04
(4)
N529
TE05
(5)
N529
TE06
(6)
N529
7.
8.a.
8.b.(1)
8.b.(2)
8.b.(3)
8.b.(4)
8.b.(5)
8.b.(6)
8.b.(7)
8.b.(8)
8.b.(9)
8.b.(10)
8.c.(1)
8.c.(2)
8.c.(3)
8.c.(4)
8.c.(5)
8.c.(6)
Item 9 is to be completed annually in the December report only.
No
RCON Yes
9. Do any of the bank's Internet websites have transactional capability, i.e., allow the
bank's customers to execute transactions on their accounts through the website? .............. 4088
10. Secured liabilities:
Amount
RCON
a. Amount of ''Federal funds purchased" that are secured
(included in Schedule RC, item 14.a) ..................................................................... F064
b. Amount of ''Other borrowings" that are secured
(included in Schedule RC-M, items 5.b.(1)(a)–(d)) .................................................... F065
RCON Yes
11. Does the bank act as trustee or custodian for Individual Retirement Accounts, Health
Savings Accounts, and other similar accounts?............................................................ G463
12. Does the bank provide custody, safekeeping, or other services involving the acceptance
of orders for the sale or purchase of securities? ........................................................... G464
9.
10.a.
10.b.
No
11.
12.
1. Report only highest level URLs (for example, report www.examplebank.biz, but do not also report www.examplebank.biz/checking).
Report each top level domain name used (for example, report both www.examplebank.biz and www.examplebank.net).
06/2018
FFIEC 041
Page 44 of 84
RC-29
Schedule RC-M—Continued
Dollar Amounts in Thousands
13. Assets covered by loss-sharing agreements with the FDIC:
a. Loans and leases (included in Schedule RC, items 4.a and 4.b):
(1) Loans secured by real estate:
(a) Construction, land development, and other land loans:
(1) 1–4 family residential construction loans ..........................................
(2) Other construction loans and all land development and other land loans .......
(b) Secured by farmland ..........................................................................
(c) Secured by 1–4 family residential properties:
(1) Revolving, open-end loans secured by 1– 4 family residential
properties and extended under lines of credit.....................................
(2) Closed-end loans secured by 1– 4 family residential properties:
(a) Secured by first liens ...............................................................
(b) Secured by junior liens ............................................................
(d) Secured by multifamily (5 or more) residential properties ...........................
(e) Secured by nonfarm nonresidential properties:
(1) Loans secured by owner-occupied nonfarm nonresidential properties........
(2) Loans secured by other nonfarm nonresidential properties ...................
(2) through (4) Not applicable
(5) All other loans and all leases.....................................................................
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 ..............................................................
(6) Not applicable
(7) Portion of covered other real estate owned included in items 13.b.(1) through (5)
above that is protected by FDIC loss-sharing agreements ...............................
c. Debt securities (included in Schedule RC, items 2.a and 2.b) ................................
d. Other assets (exclude FDIC loss-sharing indemnification assets) ...........................
Amount
RCON
K169
K170
K171
13.a.(1)(a)(1)
13.a.(1)(a)(2)
13.a.(1)(b)
K172
13.a.(1)(c)(1)
K173
K174
K175
13.a.(1)(c)(2)(a)
13.a.(1)(c)(2)(b)
13.a.(1)(d)
K176
K177
13.a.(1)(e)(1)
13.a.(1)(e)(2)
K183
13.a.(5)
K187
K188
K189
K190
K191
13.b.(1)
13.b.(2)
13.b.(3)
13.b.(4)
13.b.(5)
K192
J461
J462
13.b.(7)
13.c.
13.d.
Items 14.a and 14.b are to be completed annually in the December report only.
14. Captive insurance and reinsurance subsidiaries:
a. Total assets of captive insurance subsidiaries1 ................................................... K193
b. Total assets of captive reinsurance subsidiaries1 ................................................ K194
14.a.
14.b.
Item 15 is to be completed by institutions that are required or have elected to be treated as
a Qualified Thrift Lender.
15. Qualified Thrift Lender (QTL) test:
a. Does the institution use the Home Owners’ Loan Act (HOLA) QTL test or the Internal
Revenue Service Domestic Building and Loan Association (IRS DBLA) test to determine
its QTL compliance? (for the HOLA QTL test, enter 1; for the IRS DBLA test, enter 2) ...
b. Has the institution been in compliance with the HOLA QTL test as of each month end
during the quarter or the IRS DBLA test for its most recent taxable year, as applicable? ..
Number
RCON
L133
15.a.
Yes
L135
No
15.b.
1. Report total assets before eliminating intercompany transactions between the consolidated insurance or reinsurance subsidiary and other offices or
consolidated subsidiaries of the reporting bank.
06/2018
FFIEC 041
Page 45 of 84
RC-30
Schedule RC-M—Continued
Item 16.a and, if appropriate, items 16.c and 16.d are to be completed semiannually in the June
and December reports only. Item 16.b is to be completed annually in the June report only.
16. International remittance transfers offered to consumers:1
a. As of the report date, did your institution offer to consumers in any state any of
the following mechanisms for sending international remittance transfers?
(1) International wire transfers...............................................................................
(2) International ACH transactions .........................................................................
(3) Other proprietary services operated by your institution...........................................
(4) Other proprietary services operated by another party ............................................
b. Did your institution provide more than 100 international remittance transfers in the
previous calendar year or does your institution estimate that it will provide more
than 100 international remittance transfers in the current calendar year? ........................
RCON Yes
No
N517
N520
16.a.(1)
16.a.(2)
16.a.(3)
16.a.(4)
N521
16.b.
N518
N519
Items 16.c and 16.d are to be completed by institutions that answered “Yes” to item 16.b in the
current report or, if item 16.b is not required to be completed in the current report, in the most
recent prior report in which item 16.b was required to be completed.
c. Indicate which of the mechanisms described in items 16.a.(1), (2), and (3) above is the
mechanism that your institution estimates accounted for the largest number of international
remittance transfers your institution provided during the two calendar quarters ending on
the report date. (For international wire transfers, enter 1; for international ACH
transactions, enter 2; for other proprietary services operated by your institution, enter 3. If
your institution did not provide any international remittance transfers using the mechanisms
RCON
described in items 16.a.(1), (2), and (3) above during the two calendar quarters ending on
the report date, enter 0.)........................................................................................ N522
d. Estimated number and dollar value of international remittance transfers provided
by your institution during the two calendar quarters ending on the report date:
(1) Estimated number of international remittance transfers .......................................... N523
Number
16.c.
16.d.(1)
Amount
(2) Estimated dollar value of international remittance transfers ..................................... N524
(3) Estimated number of international remittance transfers for which your institution
applied the temporary exception ....................................................................... N527
16.d.(2)
Number
16.d.(3)
1. Report information about international electronic transfers of funds offered to consumers in the United States that:
(a) are “remittance transfers” as defined by subpart B of Regulation E (12 CFR § 1005.30(e)), or
(b) would qualify as “remittance transfers” under subpart B of Regulation E (12 CFR § 1005.30(e)) but are excluded from that definition only because
the provider is not providing those transfers in the normal course of its business. See 12 CFR § 1005.30(f).
For purposes of this item 16, such transfers are referred to as international remittance transfers.
Exclude transfers sent by your institution as a correspondent bank for other providers. With the exception of item 16.a.(4), report
information only about transfers for which the reporting institution is the provider. For item 16.a.(4), report information about
transfers for which another party is the provider, and the reporting institution is an agent or a similar type of business partner interacting with the
consumers sending the international remittance transfers.
03/2015
FFIEC 041
Page 46 of 84
RC-31
Schedule RC-N—Past Due and Nonaccrual Loans, Leases, and Other Assets
(Column A)
Past due
30 through 89
days and still
accruing
Dollar Amounts in Thousands
1. Loans secured by real estate:
a. Construction, land development, and other
land loans:
(1) 1–4 family residential construction loans..
(2) Other construction loans and all land
development and other land loans .......
b. Secured by farmland .............................
c. Secured by 1–4 family residential properties:
(1) Revolving, open-end loans secured by
1–4 family residential properties and
extended under lines of credit..............
(2) Closed-end loans secured by 1–4 family
residential properties:
(a) Secured by first liens ....................
(b) Secured by junior liens..................
d. Secured by multifamily (5 or more)
residential properties .............................
e. Secured by nonfarm nonresidential
properties:
(1) Loans secured by owner-occupied
nonfarm nonresidential properties ........
(2) Loans secured by other nonfarm
nonresidential properties ....................
2. Loans to depository institutions and
acceptances of other banks ........................
3. Not applicable
4. Commercial and industrial loans ..................
5. Loans to individuals for household, family,
and other personal expenditures:
a. Credit cards .........................................
b. Automobile loans ..................................
c. Other (includes revolving credit plans
other than credit cards and other
consumer loans) ...................................
6. Not applicable
7. All other loans1 ........................................
8. Lease financing receivables .......................
9. Total loans and leases (sum of items 1 through 8) ....
10. Debt securities and other assets (exclude
other real estate owned and other
repossessed assets) .................................
RCON
Amount
(Column B)
Past due 90
days or more
and still
accruing
RCON
Amount
(Column C)
Nonaccrual
RCON
Amount
F172
F174
F176
1.a.(1)
F173
3493
F175
3494
F177
3495
1.a.(2)
1.b.
5398
5399
5400
1.c.(1)
C236
C238
C237
C239
C229
C230
1.c.(2)(a)
1.c.(2)(b)
3499
3500
3501
1.d.
F178
F180
F182
1.e.(1)
F179
F181
F183
1.e.(2)
B834
B835
B836
2.
1606
1607
1608
4.
B575
K213
B576
K214
B577
K215
5.a.
5.b.
K216
K217
K218
5.c.
5459
5460
5461
1226
1406
1227
1407
1228
1403
7.
8.
9.
3505
3506
3507
10.
1. Includes past due and nonaccrual "Loans to finance agricultural productions 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."
03/2017
FFIEC 041
Page 47 of 84
RC-32
Schedule RC-N—Continued
Amounts reported by loan and lease category in Schedule RC-N, items 1 through 8, include guaranteed and unguaranteed
portions of past due and nonaccrual loans and leases. Report in items 11 and 12 below certain guaranteed loans and leases
that have already been included in the amounts reported in items 1 through 8.
(Column A)
Past due
30 through 89
days and still
accruing
Dollar Amounts in Thousands
11. 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-sharing
agreements with the FDIC............................
a. Guaranteed portion of loans and
leases included in item 11 above,
excluding rebooked "GNMA loans" .........
b. Rebooked "GNMA loans" that have
been repurchased or are eligible for
repurchase included in item 11 above ........
12. Loans and leases reported in items 1
through 8 above that are covered by
loss-sharing agreements with the FDIC:
a. Loans secured by real estate:
(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-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:
(a) Loans secured by owner-occupied
nonfarm nonresidential properties......
(b) Loans secured by other nonfarm
nonresidential properties ..............
b. through d. Not applicable
e. All other loans and all leases.................
f. Portion of covered loans and leases
included in items 12.a through 12.e
above that is protected by FDIC losssharing agreements ............................
RCON
Amount
(Column B)
Past due 90
days or more
and still
accruing
RCON
Amount
(Column C)
Nonaccrual
RCON
Amount
K036
K037
K038
11.
K039
K040
K041
11.a.
K042
K043
K044
11.b.
K045
K046
K047
12.a.(1)(a)
K048
K051
K049
K052
K050
K053
12.a.(1)(b)
12.a.(2)
K054
K055
K056
12.a.(3)(a)
K057
K060
K058
K061
K059
K062
12.a.(3)(b)(1)
12.a.(3)(b)(2)
K063
K064
K065
12.a.(4)
K066
K067
K068
12.a.(5)(a)
K069
K070
K071
12.a.(5)(b)
K087
K088
K089
12.e.
K102
K103
K104
12. f.
03/2017
FFIEC 041
Page 48 of 84
RC-33
Schedule RC-N—Continued
Memoranda
(Column A)
Past due
30 through 89
days and still
accruing
Dollar Amounts in Thousands
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 I,
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 ..........
b. Loans secured by 1– 4 family residential
properties ..............................................
c. Secured by multifamily (5 or more)
residential properties ...............................
d. Secured by nonfarm nonresidential
properties:
(1) Loans secured by owner-occupied
nonfarm nonresidential properties ..........
(2) Loans secured by other nonfarm
nonresidential properties......................
e. Commercial and industrial loans ................
RCON
Amount
(Column B)
Past due 90
days or more
and still
accruing
RCON
Amount
(Column C)
Nonaccrual
RCON
Amount
K105
K106
K107
M.1.a.(1)
K108
K109
K110
M.1.a.(2)
F661
F662
F663
M.1.b.
K111
K112
K113
M.1.c.
K114
K115
K116
M.1.d.(1)
K117
K118
K119
K257
K258
K259
M.1.d.(2)
M.1.e.
(1) To U.S. addressees (domicile) .............. K120
(2) To non-U.S. addressees (domicile) ........ K123
f. All other loans (include loans to
individuals for household, family, and
other personal expenditures) ..................... K126
K121
K124
K122
K125
M.1.e.(1)
M.1.e.(2)
K127
K128
M.1. f.
K131
K132
M.1. f.(1)
Memorandum items 1.e.(1) and (2) are to be
completed by banks with $300 million or more in
total assets (sum of Memorandum items 1.e.(1)
and (2) must equal Memorandum item 1.e):1
Itemize loan categories included in
Memorandum item 1.f, above that exceed
10 percent of total loans restructured in troubled debt restructurings that are past due 30
days or more or in nonaccrual status (sum of
Memorandum items 1.a through 1.e plus 1.f,
columns A through C):
(1) Loans secured by farmland .................. K130
(2) and (3) Not applicable
1. The $300 million asset-size test is based on the total assets reported on the June 30, 2017, Report of Condition.
03/2018
FFIEC 041
Page 49 of 84
RC-34
Schedule RC-N—Continued
Memoranda—Continued
(Column A)
Past due
30 through 89
days and still
accruing
Dollar Amounts in Thousands RCON
1.f. (4) Loans to individuals for household,
family, and other personal expenditures:
(a) Credit cards ................................ K274
(b) Automobile loans ......................... K277
(c) Other (includes revolving credit
plans other than credit cards
and other consumer loans)............. K280
Amount
(Column B)
Past due 90
days or more
and still
accruing
RCON
Amount
(Column C)
Nonaccrual
RCON
Amount
K275
K276
K278
K279
M.1. f.(4)(a)
M.1. f.(4)(b)
K281
K282
M.1. f.(4)(c)
K138
K139
K140
M.1. f.(5)
HK26
HK27
HK28
M.1.g.
6558
6559
6560
M.2.
1248
1249
1250
M.3.a.
5380
5381
5382
M.3.b.
1254
1255
1256
M.3.c.
Memorandum item 1.f.(5) is to be
completed by:1
• Banks with $300 million or more in
total assets
Banks
with less than $300 million in
•
total assets that have loans to
finance agricultural production and
other loans to farmers (Schedule
RC-C, Part I, item 3) exceeding 5
percent of total loans
(5) Loans to finance agricultural production and other loans to farmers
included in Schedule RC-N,
Memorandum item 1.f, above ..........
1.g. Total loans restructured in troubled debt
restructurings included in Schedule
RC-N, items 1 through 7, above (sum of
Memorandum items 1.a.(1) through 1.e
plus 1.f)2 ............................................
2. Loans to finance commercial real estate,
construction, and land development activities
(not secured by real estate) included in
Schedule RC-N, items 4 and 7, above ........
3. Memorandum items 3.a through 3.d are to
be completed by banks with $300 million 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)..............
b. Loans to and acceptances of foreign
banks (included in Schedule RC-N, item
2, above)...........................................
c. Commercial and industrial loans to nonU.S. addressees (domicile) included in
Schedule RC-N, item 4, above...............
1. The $300 million asset-size test and the 5 percent of total loans test are based on the total assets and total loans reported on the
June 30, 2017, Report of Condition.
2. Exclude amounts reported in Memorandum items 1.e.(1), 1.e.(2), and 1.f.(1) through 1.f.(5) when calculating the total in Memorandum item 1.g.
03/2018
FFIEC 041
Page 50 of 84
RC-35
Schedule RC-N—Continued
Memoranda—Continued
(Column A)
Past due
30 through 89
days and still
accruing
Dollar Amounts in Thousands RCON
3.d. Leases to individuals for household, family,
and other personal expenditures (included
in Schedule RC-N, item 8, above)................ F166
Memorandum item 4 is to be completed by:
•
•
Amount
(Column B)
Past due 90
days or more
and still
accruing
RCON
Amount
(Column C)
Nonaccrual
RCON
Amount
F167
F168
M.3.d.
1597
1583
M.4.
C241
C226
M.5.
1
banks with $300 million or more in total
assets
banks with less than $300 million in total
assets that have loans to finance agricultural
production and other loans to farmers
(Schedule RC-C, Part I, item 3) exceeding 5
percent of total loans:
4. Loans to finance agricultural production and
other loans to farmers (included in Schedule
RC-N, item 7, above) .................................. 1594
5. Loans and leases held for sale (included in
Schedule RC-N, items 1 through 8, above) ...... C240
RCON
Amount
6. Not applicable
Memorandum items 7, 8, 9.a, and 9.b are to be completed semiannually in the June and
December reports only.
7. Additions to nonaccrual assets during the previous six months.......................................... C410
8. Nonaccrual assets sold during the previous six months ................................................... C411
(Column A)
Past due
30 through 89
days and still
accruing
Dollar Amounts in Thousands RCON
9. Purchased credit-impaired loans accounted for
in accordance with FASB ASC 310-30 (former
AICPA Statement of Position 03-3):
a. Outstanding balance................................ L183
b. Amount included in Schedule RC-N, items 1
through 7, above .................................... L186
Amount
(Column B)
Past due 90
days or more
and still
accruing
RCON
Amount
M.7.
M.8.
(Column C)
Nonaccrual
RCON
Amount
L184
L185
M.9.a.
L187
L188
M.9.b.
1. The $300 million asset-size test and the 5 percent of total loans test are based on the total assets and total loans reported on the
June 30, 2017, Report of Condition.
06/2018
FFIEC 041
Page 51 of 84
RC-36
Schedule RC-O—Other Data for Deposit Insurance and FICO Assessments
All FDIC-insured depository institutions must complete items 1 and 2, 4 through 9,10, and 11, Memorandum item 1, and, if
applicable, item 9.a, Memorandum items 2, 3, and 6 through 18 each quarter. Unless otherwise indicated, complete items 1
through 11 and Memorandum items 1 through 3 on an “unconsolidated single FDIC certificate number basis” (see instructions)
and complete Memorandum items 6 through 18 on a fully consolidated basis.
Dollar Amounts in Thousands RCON
1. Total deposit liabilities before exclusions (gross) as defined in Section 3(l) of the Federal
Deposit Insurance Act and FDIC regulations .......................................................................... F236
2. Total allowable exclusions, including interest accrued and unpaid on allowable exclusions .............. F237
3. Not applicable
4. Average consolidated total assets for the calendar quarter........................................................ K652
Number
a. Averaging method used
(for daily averaging, enter 1, for weekly averaging, enter 2)..................... K653
Amount
1.
2.
4.
4.a.
Amount
5. Average tangible equity for the calendar quarter1 ....................................................................
6. Holdings of long-term unsecured debt issued by other FDIC-insured depository institutions .............
7. Unsecured "Other borrowings" with a remaining maturity of (sum of items 7.a through 7.d must be
less than or equal to Schedule RC-M, items 5.b.(1)(a)–(d) minus item 10.b):
a. One year or less ...........................................................................................................
b. Over one year through three years ...................................................................................
c. Over three years through five years ..................................................................................
d. Over five years .............................................................................................................
8. Subordinated notes and debentures with a remaining maturity of
(sum of items 8.a. through 8.d. must equal Schedule RC, item 19):
a. One year or less ...........................................................................................................
b. Over one year through three years ...................................................................................
c. Over three years through five years ..................................................................................
d. Over five years .............................................................................................................
9. Reciprocal brokered deposits (included in Schedule RC-E, Memorandum item 1.b) .......................
K654
5.
6.
K655
G465
G466
7.a.
7.b.
7.c.
7.d.
G467
G468
G469
G470
8.a.
8.b.
8.c.
8.d.
9.
G471
G472
G803
Item 9.a is to be completed on a fully consolidated basis by all institutions that own another insured
depository institution.
a. Fully consolidated reciprocal brokered deposits................................................................... L190
10. Banker's bank certification:
Yes
Does the reporting institution meet both the statutory definition of a banker's bank and the business
K656
conduct test set forth in FDIC regulations? ............................................................................
If the answer to item 10 is "YES," complete items 10.a and 10.b.
9.a.
No
10.
Amount
10.a.
10.b.
a. Banker's bank deduction ................................................................................................ K657
b. Banker's bank deduction limit .......................................................................................... K658
11. Custodial bank certification:
Yes
No
11.
Does the reporting institution meet the definition of a custodial bank set forth in FDIC regulations? .. K659
If the answer to item 11 is "YES," complete items 11.a and 11.b.2
a. Custodial bank deduction ............................................................................................... K660
b. Custodial bank deduction limit ......................................................................................... K661
Amount
11.a.
11.b.
1. See instructions for averaging methods. For deposit insurance assessment purposes, tangible equity is defined as Tier 1 capital as set forth in the
banking agencies' regulatory capital standards and reported in Schedule RC-R, Part I, item 26, except as described in the instructions.
2. If the amount reported in item 11.b is zero, item 11.a may be left blank.
09/2016
FFIEC 041
Page 52 of 84
RC-37
Schedule RC-O—Continued
Memoranda
Dollar Amounts in Thousands RCON
1. Total deposit liabilities of the bank, including related interest accrued and unpaid, less
allowable exclusions, 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
Number
(2) Number of deposit accounts (excluding retirement accounts)
F050
of $250,000 or less ...............................................................
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
Number
(2) Number of deposit accounts (excluding retirement accounts)
F052
of more than $250,000 ...........................................................
c. Retirement deposit accounts of $250,000 or less:1
(1) Amount of retirement deposit accounts of $250,000 or less ........................................ F045
Amount
M.1.a.(1)
M.1.a.(2)
M.1.b.(1)
M.1.b.(2)
M.1.c.(1)
Number
(2) Number of retirement deposit accounts of $250,000 or less........... F046
M.1.c.(2)
d. Retirement deposit accounts of more than $250,000:
(1) Amount of retirement deposit accounts of more than $250,000 ................................... F047
1
M.1.d.(1)
Number
(2) Number of retirement deposit accounts of more than $250,000 ..... F048
M.1.d.(2)
Memorandum item 2 is to be completed by banks with $1 billion or more in total assets.2
2. Estimated amount of uninsured deposits including related interest accrued and unpaid
(see instructions)3 ....................................................................................................... 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?
If so, report the legal title and FDIC Certificate Number of the parent bank or parent savings
RCON
association:
TEXT
A545
A545
M.2.
FDIC Cert. No.
M.3.
4. and 5. Not applicable
1. The dollar amounts used as the basis for reporting in Memorandum items 1.a through 1.d reflect the deposit insurance limits in effect on the report date.
2. The $1 billion asset-size test is based on the total assets reported on the June 30, 2017, Report of Condition.
3. Uninsured deposits should be estimated based on the deposit insurance limits set forth in Memorandum items 1.a through 1.d.
03/2018
FFIEC 041
Page 53 of 84
RC-38
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—Continued
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:
a. Nontraditional 1– 4 family residential mortgage loans......................................................
b. Securitizations of nontraditional 1– 4 family residential mortgage loans ..............................
8. “Higher-risk consumer loans” as defined for assessment purposes only in FDIC regulations:
a. Higher-risk consumer loans.......................................................................................
b. Securitizations of higher-risk consumer loans ...............................................................
9. “Higher-risk commercial and industrial loans and securities” as defined for assessment
purposes only in FDIC regulations:
a. Higher-risk commercial and industrial loans and securities ..............................................
b. Securitizations of higher-risk commercial and industrial loans and securities .......................
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 in domestic offices
(included in Schedule RC-E, Part I, Memorandum item 2.d) ................................................
RCON
Amount
K665
K666
M.6.a.
M.6.b.
M.6.c.
M.6.d.
N025
N026
M.7.a.
M.7.b.
N027
N028
M.8.a.
M.8.b.
N029
N030
M.9.a.
M.9.b.
K676
M.10.a.
K677
M.10.b.
K669
M.11.
K678
M.12.
N177
M.13.a.
M.13.b.
M.13.c.
K663
K664
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.h are to be completed by
"large institutions" only.
13. Portion of funded loans and securities guaranteed or insured by the U.S. government
(including 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. All other loans to individuals for household, family, and other personal expenditures.............
h. Non-agency residential mortgage-backed securities .......................................................
N178
N179
N180
N181
N182
N183
M963
M.13.d.
M.13.e.
M.13.f.
M.13.g.
M.13.h.
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 .......................................
K673
K674
M.14.
M.15.
03/2014
FFIEC 041
Page 54 of 84
RC-39
Schedule RC-O—Continued
Memoranda—Continued
Dollar Amounts in Thousands
Memorandum item 16 is to be completed by “large institutions” and “highly complex institutions”
as defined in FDIC regulations.
16. Portion of loans restructured in troubled debt restructurings that are in compliance with their
modified terms and are guaranteed or insured by the U.S. government (including the FDIC)
(included in Schedule RC-C, Part I, Memorandum item 1) ..................................................
RCON
Amount
L189
M.16.
L194
L195
M.17.a.
M.17.b.
M.17.c.
M.17.d.
Memorandum item 17 is to be completed on a fully consolidated basis by those “large institutions”
and “highly complex institutions” as defined in FDIC regulations that own another insured depository institution.
17. Selected fully consolidated data for deposit insurance assessment purposes:
a. Total deposit liabilities before exclusions (gross) as defined in Section 3(l) of the Federal
Deposit Insurance Act and FDIC regulations.................................................................
b. Total allowable exclusions, including interest accrued and unpaid on allowable exclusions ............
c. Unsecured “Other borrowings” with a remaining maturity of one year or less .......................
d. Estimated amount of uninsured deposits, including related interest accrued and unpaid ............
L196
L197
06/2012
FFIEC 041
Page 55 of 84
RC-40
Schedule RC-O—Continued
Memorandum item 18 is to be completed by “large institutions” and “highly complex institutions” as defined in FDIC regulations.
Amounts reported in Memorandum item 18 will not be made available to the public on an individual institution basis.
Two-Year Probability of Default (PD)
Dollar Amounts in Thousands
18. Outstanding balance of 1–4 family
residential mortgage loans, consumer
loans, and consumer leases by twoyear probability of default:
a. “Nontraditional 1– 4 family
residential mortgage loans” as
defined for assessment purposes
only in FDIC regulations ..............
b. Closed-end loans secured by
first liens on 1– 4 family
residential properties ..................
c. Closed-end loans secured by
junior liens on 1– 4 family
residential properties ..................
d. Revolving, open-end loans secured
by 1–4 family residential properties
and extended under lines of credit
(Column A)
1%
(Column B)
1.01–4%
(Column C)
4.01–7%
(Column D)
7.01–10%
(Column E)
10.01–14%
(Column F)
14.01–16%
(Column G)
16.01–18%
(Column H)
18.01–20%
Amount
Amount
Amount
Amount
Amount
Amount
Amount
Amount
RCON M964
RCON M965
RCON M966
RCON M967
RCON M968
RCON M969
RCON M970
RCON M971
M.18.a.
RCON M979
RCON M980
RCON M981
RCON M982
RCON M983
RCON M984
RCON M985
RCON M986
M.18.b.
RCON M994
RCON M995
RCON M996
RCON M997
RCON M998
RCON M999
RCON N001
RCON N002
M.18.c.
RCON N010
RCON N011
RCON N012
RCON N013
RCON N014
RCON N015
RCON N016
RCON N017
RCON N040
RCON N041
RCON N042
RCON N043
RCON N044
RCON N045
RCON N046
RCON N047
RCON N055
RCON N056
RCON N057
RCON N058
RCON N059
RCON N060
RCON N061
RCON N062
RCON N070
RCON N071
RCON N072
RCON N073
RCON N074
RCON N075
RCON N076
RCON N077
M.18.d.
M.18.e.
e. Credit cards ..............................
M.18.f.
f. Automobile loans .......................
g. Student loans ............................
h. Other consumer loans and
revolving credit plans other
than credit cards ........................
M.18.g.
RCON N085
RCON N086
RCON N087
RCON N088
RCON N089
RCON N090
RCON N091
RCON N092
RCON N100
RCON N101
RCON N102
RCON N103
RCON N104
RCON N105
RCON N106
RCON N107
RCON N115
RCON N116
RCON N117
RCON N118
RCON N119
RCON N120
RCON N121
RCON N122
M.18.h.
M.18.i.
i. Consumer leases .......................
j. Total........................................
M.18.j.
03/2014
FFIEC 041
Page 56 of 84
RC-41
Schedule RC-O—Continued
Memorandum item 18 is to be completed by “large institutions” and “highly complex institutions” as defined in FDIC regulations.
Amounts reported in Memorandum item 18 will not be made available to the public on an individual institution basis.
(Column I)
20.01–22%
(Column J)
22.01–26%
(Column K)
26.01–30%
(Column L)
> 30%
(Column M)
Unscoreable
(Column N)
Total
(Column O)
PDs Were
Derived
Using1
Amount
Amount
Amount
Amount
Amount
Amount
Number
RCON M972
RCON M973
RCON M974
RCON M975
RCON M976
RCON M977
RCON M978
Two-Year Probability of Default (PD)
Dollar Amounts in Thousands
18. Outstanding balance of 1–4 family
residential mortgage loans, consumer
loans, and consumer leases by twoyear probability of default:
a. “Nontraditional 1– 4 family
residential mortgage loans” as
defined for assessment purposes
only in FDIC regulations ....................................
b. Closed-end loans secured by
first liens on 1– 4 family
residential properties ........................................
c. Closed-end loans secured by
junior liens on 1– 4 family
residential properties ........................................
d. Revolving, open-end loans secured
by 1–4 family residential properties
and extended under lines of credit..........................
M.18.a.
RCON M987
RCON M988
RCON M989
RCON M990
RCON M991
RCON M992
RCON M993
M.18.b.
RCON N003
RCON N004
RCON N005
RCON N006
RCON N007
RCON N008
RCON N009
M.18.c.
RCON N018
RCON N019
RCON N020
RCON N021
RCON N022
RCON N023
RCON N024
RCON N048
RCON N049
RCON N050
RCON N051
RCON N052
RCON N053
RCON N054
RCON N063
RCON N064
RCON N065
RCON N066
RCON N067
RCON N068
RCON N069
RCON N078
RCON N079
RCON N080
RCON N081
RCON N082
RCON N083
RCON N084
M.18.d.
M.18.e.
e. Credit cards ....................................................
M.18.f.
f. Automobile loans .............................................
g. Student loans ..................................................
h. Other consumer loans and
revolving credit plans other
than credit cards ..............................................
M.18.g.
RCON N093
RCON N094
RCON N095
RCON N096
RCON N097
RCON N098
RCON N099
RCON N108
RCON N109
RCON N110
RCON N111
RCON N112
RCON N113
RCON N114
RCON N123
RCON N124
RCON N125
RCON N126
RCON N127
RCON N128
M.18.h.
M.18.i.
i. Consumer leases .............................................
j. Total..............................................................
M.18.j.
1. For PDs derived using scores and default rate mappings provided by a third-party vendor, enter 1; for PDs derived using an internal approach, enter 2;
for PDs derived using third-party vendor mappings for some loans within a product type and an internal approach for other loans within the same product type, enter 3.
If the total reported in Column N for a product type is zero, enter 0.
03/2014
FFIEC 041
Page 57 of 84
RC-42
Schedule RC-P—1–4 Family Residential Mortgage Banking Activities
Schedule RC-P is to be completed by banks at which either 1–4 family residential mortgage loan originations and purchases for
resale1 from all sources, loan sales, or quarter-end loans held for sale or trading exceed $10 million for two consecutive quarters.
Dollar Amounts in Thousands
1. Retail originations during the quarter of 1– 4 family residential mortgage loans for sale1 . . . . . . . . . . . . . . . . . . .
2. Wholesale originations and purchases during the quarter of 1– 4 family residential mortgage loans
for sale1 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
3. 1–4 family residential mortgage loans sold during the quarter ....................................................
4. 1–4 family residential mortgage loans held for sale or trading at quarter-end
(included in Schedule RC, items 4.a and 5) ............................................................................
5. Noninterest income for the quarter from the sale, securitization, and servicing of 1– 4 family
residential mortgage loans (included in Schedule RI, items 5.c, 5.f, 5.g, and 5.i).............................
RCON
Amount
HT81
1.
HT82
HT83
2.
3.
HT84
4.
RIAD
HT85
5.
RCON
6. Repurchases and indemnifications of 1– 4 family residential mortgage loans during the quarter .........
7. Representation and warranty reserves for 1– 4 family residential mortgage loans sold:
a. For representations and warranties made to U.S. government agencies and governmentsponsored agencies .......................................................................................................
b. For representations and warranties made to other parties ......................................................
c. Total representation and warranty reserves (sum of items 7.a and 7.b) .....................................
HT86
6.
L191
L192
M288
7.a.
7.b.
7.c.
1. Exclude originations and purchases of 1– 4 family residential mortgage loans that are held for investment.
06/2018
FFIEC 041
Page 58 of 84
RC-43
Schedule RC-Q—Assets and Liabilities Measured at Fair Value on a Recurring Basis
Schedule RC-Q is to be completed by banks that:
(1) 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
(2) Are required to complete Schedule RC-D, Trading Assets and Liabilities.
(Column A)
Total Fair Value
Reported on
Schedule RC
Dollar Amounts in Thousands
Assets
1. Available-for-sale debt securities and equity
securities with readily determinable fair
values not held for trading1 .......................
2. Not applicable
3. Loans and leases held for sale .....................
4. Loans and leases held for investment ............
5. Trading assets:
a. Derivative assets ...................................
b. Other trading assets ...............................
(1) Nontrading securities at fair value
with changes in fair value reported in
current earnings (included in
Schedule RC-Q, item 5.b above) ..........
6. All other assets .........................................
7. Total assets measured at fair value on a
recurring basis (sum of items 1 through 5.b
plus item 6) ..............................................
Liabilities
8. Deposits ..................................................
9. Not applicable
10. Trading liabilities:
a. Derivative liabilities.................................
b. Other trading liabilities ............................
11. and 12. Not applicable
13. All other liabilities ......................................
14. Total liabilities measured at fair value on a
recurring basis (sum of items 8 through 13) ....
RCON
Amount
(Column B)
LESS: Amounts Netted
in the Determination of
Total Fair Value
RCON
Amount
(Column C)
Level 1 Fair Value
Measurements
RCON
Amount
(Column D)
Level 2 Fair Value
Measurements
RCON
Amount
(Column E)
Level 3 Fair Value
Measurements
RCON
Amount
JA36
G474
G475
G476
G477
1.
G483
G488
G484
G489
G485
G490
G486
G491
G487
G492
3.
4.
3543
G497
G493
G498
G494
G499
G495
G500
G496
G501
5.a.
5.b.
F240
G391
F684
G392
F692
G395
F241
G396
F242
G804
5.b.(1)
6.
G502
G503
G504
G505
G506
7.
F252
F686
F694
F253
F254
8.
3547
G512
G513
G514
G515
G516
G517
G518
G519
G520
10.a.
10.b.
G805
G806
G807
G808
G809
13.
G531
G532
G533
G534
G535
14.
1. For institutions that have adopted ASU 2016-01, which includes provisions governing the accounting for investments in equity securities, the amount reported in item 1,
column A, must equal the sum of Schedule RC, items 2.b and 2.c. For institutions that have not adopted ASU 2016-01, the amount reported in item 1, column A, must equal
Schedule RC, item 2.b.
06/2018
FFIEC 041
Page 59 of 84
RC-44
Schedule RC-Q—Continued
(Column A)
Total Fair Value
Reported on
Schedule RC
Dollar Amounts in Thousands
Memoranda
1. All other assets (itemize and describe
amounts included in Schedule RC-Q, item 6,
that are greater than $100,000 and exceed
25 percent of item 6):
a. Mortgage servicing assets .........................
b. Nontrading derivative assets ......................
TEXT
c. G546
TEXT
d. G551
TEXT
e. G556
TEXT
f. G561
2. All other liabilities (itemize and describe
amounts included in Schedule RC-Q,
item 13, that are greater than $100,000 and
exceed 25 percent of item 13):
a. Loan commitments
(not accounted for as derivatives) ...............
b. Nontrading derivative liabilities ...................
TEXT
c. G571
TEXT
d. G576
TEXT
e. G581
TEXT
f. G586
RCON
Amount
(Column B)
LESS: Amounts Netted
in the Determination of
Total Fair Value
RCON
Amount
(Column C)
Level 1 Fair Value
Measurements
RCON
Amount
(Column D)
Level 2 Fair Value
Measurements
RCON
Amount
(Column E)
Level 3 Fair Value
Measurements
RCON
G536
G541
G537
G542
G538
G543
G539
G544
G540
G545
G546
G547
G548
G549
G550
G551
G556
G552
G557
G553
G558
G554
G559
G555
G560
G561
G562
G563
G564
G565
F261
F689
F697
F262
F263
G566
G571
G567
G572
G568
G573
G569
G574
G570
G575
G576
G577
G578
G579
G580
G581
G586
G582
G587
G583
G588
G584
G589
G585
G590
Amount
M.1.a.
M.1.b.
M.1.c.
M.1.d.
M.1.e.
M.1.f.
M.2.a.
M.2.b.
M.2.c.
M.2.d.
M.2.e.
M.2.f.
06/2018
FFIEC 041
Page 60 of 84
RC-45
Schedule RC-Q—Continued
Memoranda—Continued
Dollar Amounts in Thousands
3. Loans measured at fair value (included in Schedule RC-C, Part I, items 1 through 9):
a. Loans secured by real estate:
(1) Secured by 1–4 family residential properties ............................................................
(2) All other loans secured by real estate .....................................................................
b. Commercial and industrial loans ................................................................................
c. Loans to individuals for household, family, and other personal expenditures
(i.e., consumer loans) (includes purchased paper) .........................................................
d. Other loans............................................................................................................
4. Unpaid principal balance of loans measured at fair value
(reported in Schedule RC-Q, Memorandum item 3):
a. Loans secured by real estate:
(1) Secured by 1–4 family residential properties ............................................................
(2) All other loans secured by real estate .....................................................................
b. Commercial and industrial loans ................................................................................
c. Loans to individuals for household, family, and other personal expenditures
(i.e., consumer loans) (includes purchased paper) .........................................................
d. Other loans............................................................................................................
RCON
Amount
HT87
HT88
F585
M.3.a.(1)
M.3.a.(2)
M.3.b.
HT89
F589
M.3.c.
M.3.d.
HT91
HT92
F597
M.4.a.(1)
M.4.a.(2)
M.4.b.
HT93
F601
M.4.c.
M.4.d.
06/2018
FFIEC 041
Page 61 of 84
RC-46
Schedule RC-R—Regulatory Capital
Part I. Regulatory Capital Components and Ratios
Part I is to be completed on a consolidated basis.
Dollar Amounts in Thousands RCOA
Common Equity Tier 1 Capital
1. Common stock plus related surplus, net of treasury stock and unearned employee
stock ownership plan (ESOP) shares................................................................................ P742
Amount
1.
RCON
2. Retained earnings ........................................................................................................ 3632
2.
RCOA
3. Accumulated other comprehensive income (AOCI) .............................................................. B530
a. AOCI opt-out election (enter “1” for Yes; enter “0” for No.)
(Advanced approaches institutions must enter “0” for No.) ........................................................
RCOA
4. Common equity tier 1 minority interest includable in common equity tier 1 capital ...................... P839
5. Common equity tier 1 capital before adjustments and deductions (sum of items 1 through 4) ....... P840
Common Equity Tier 1 Capital: Adjustments and Deductions
6. LESS: Goodwill net of associated deferred tax liabilities (DTLs) .............................................
7. LESS: Intangible assets (other than goodwill and mortgage servicing assets (MSAs)), net of
associated DTLs ..........................................................................................................
8. LESS: Deferred tax assets (DTAs) that arise from net operating loss and tax credit
carryforwards, net of any related valuation allowances and net of DTLs ...................................
9. AOCI-related adjustments (if entered “1” for Yes in item 3.a, complete only items 9.a through
9.e; if entered “0” for No in item 3.a, complete only item 9.f):
a. LESS: Net unrealized gains (losses) on available-for-sale securities (if a gain, report as a
positive value; if a loss, report as a negative value)1 ........................................................
b. LESS: Net unrealized loss on available-for-sale preferred stock classified as an equity
security under GAAP and available-for-sale equity exposures (report loss as a positive value)2 ..
c. LESS: Accumulated net gains (losses) on cash flow hedges (if a gain, report as a positive
value; if a loss, report as a negative value) ....................................................................
d. LESS: Amounts recorded in AOCI attributed to defined benefit postretirement plans
resulting from the initial and subsequent application of the relevant GAAP standards that
pertain to such plans (if a gain, report as a positive value; if a loss, report as a negative value) ...
e. LESS: Net unrealized gains (losses) on held-to-maturity securities that are included in
AOCI (if a gain, report as a positive value; if a loss, report as a negative value).....................
f. To be completed only by institutions that entered “0” for No in item 3.a:
LESS: Accumulated net gain (loss) on cash flow hedges included in AOCI, net of applicable
income taxes, that relates to the hedging of items that are not recognized at fair value on the
balance sheet (if a gain, report as a positive value; if a loss, report as a negative value) .........
10. Other deductions from (additions to) common equity tier 1 capital before threshold-based deductions:
a. LESS: Unrealized net gain (loss) related to changes in the fair value of liabilities that are
due to changes in own credit risk (if a gain, report as a positive value; if a loss, report as
a negative value)......................................................................................................
b. LESS: All other deductions from (additions to) common equity tier 1 capital before
threshold-based deductions........................................................................................
11. LESS: Non-significant investments in the capital of unconsolidated financial institutions in the
form of common stock that exceed the 10 percent threshold for non-significant investments ........
12. Subtotal (item 5 minus items 6 through 11) ........................................................................
3.
0=No RCOA
1=Yes P838
3.a.
Amount
4.
5.
P841
6.
P842
7.
P843
8.
P844
9.a.
P845
9.b.
P846
9.c.
P847
9.d.
P848
9.e.
P849
9.f.
Q258
10.a.
P850
10.b.
P851
11.
12.
P852
1. Institutions that entered "1" for Yes in item 3.a and have adopted ASU 2016-01, which includes provisions governing the accounting for
investments in equity securities, should report net unrealized gains (losses) on available-for-sale debt securities in item 9.a. Institutions
that entered "1" for Yes in item 3.a and have not adopted ASU 2016-01 should report net unrealized gains (losses) on available-for-sale
debt and equity securities in item 9.a.
2. Item 9.b is to be completed only by institutions that entered "1" for Yes in item 3.a and have not adopted ASU 2016-01.
See instructions for further detail on ASU 2016-01.
03/2018
FFIEC 041
Page 62 of 84
RC-47
Schedule RC-R—Continued
Part I—Continued
Dollar Amounts in Thousands
13. LESS: Significant investments in the capital of unconsolidated financial institutions in the form
of common stock, net of associated DTLs, that exceed the 10 percent common equity tier 1
capital deduction threshold .............................................................................................
14. LESS: MSAs, net of associated DTLs, that exceed the 10 percent common equity tier 1 capital
deduction threshold .......................................................................................................
15. LESS: DTAs arising from temporary differences that could not be realized through net operating
loss carrybacks, net of related valuation allowances and net of DTLs, that exceed the 10 percent
common equity tier 1 capital deduction threshold.................................................................
16. LESS: Amount of significant investments in the capital of unconsolidated financial institutions in
the form of common stock, net of associated DTLs; MSAs, net of associated DTLs; and DTAs
arising from temporary differences that could not be realized through net operating loss
carrybacks, net of related valuation allowances and net of DTLs; that exceeds the 15 percent
common equity tier 1 capital deduction threshold.................................................................
17. LESS: Deductions applied to common equity tier 1 capital due to insufficient amounts of
additional tier 1 capital and tier 2 capital to cover deductions..................................................
18. Total adjustments and deductions for common equity tier 1 capital (sum of items 13 through 17) ...
19. Common equity tier 1 capital (item 12 minus item 18) ...........................................................
RCOA
Amount
P853
13.
P854
14.
P855
15.
P856
16.
P857
P858
P859
17.
18.
19.
P860
P861
P862
P863
P864
P865
20.
21.
22.
23.
24.
25.
Tier 1 Capital
26. Tier 1 capital (sum of items 19 and 25) .............................................................................. 8274
26.
Additional Tier 1 Capital
20. Additional tier 1 capital instruments plus related surplus ........................................................
21. Non-qualifying capital instruments subject to phase-out from additional tier 1 capital...................
22. Tier 1 minority interest not included in common equity tier 1 capital .........................................
23. Additional tier 1 capital before deductions (sum of items 20, 21, and 22)...................................
24. LESS: Additional tier 1 capital deductions ..........................................................................
25. Additional tier 1 capital (greater of item 23 minus item 24, or zero) ..........................................
Tier 2 Capital
27. Tier 2 capital instruments plus related surplus .....................................................................
28. Non-qualifying capital instruments subject to phase-out from tier 2 capital.................................
29. Total capital minority interest that is not included in tier 1 capital .............................................
30. a. Allowance for loan and lease losses includable in tier 2 capital ...........................................
b. (Advanced approaches institutions that exit parallel run only): Eligible credit reserves
includable in tier 2 capital ...........................................................................................
31. Unrealized gains on available-for-sale preferred stock classified as an equity security under
GAAP and available-for-sale equity exposures includable in tier 2 capital 1 ................................
32. a. Tier 2 capital before deductions (sum of items 27 through 30.a, plus item 31)........................
b. (Advanced approaches institutions that exit parallel run only): Tier 2 capital before deductions
(sum of items 27 through 29, plus items 30.b and 31) .......................................................
P866
P867
P868
5310
27.
28.
29.
30.a.
RCOW
5310
30.b.
RCOA
Q257
P870
31.
32.a.
RCOW
P870
32.b.
RCOA
33. LESS: Tier 2 capital deductions ....................................................................................... P872
34. a. Tier 2 capital (greater of item 32.a minus item 33, or zero) ................................................ 5311
RCOW
b. (Advanced approaches institutions that exit parallel run only): Tier 2 capital (greater of item
32.b minus item 33, or zero) ........................................................................................ 5311
RCOA
Total Capital
35. a. Total capital (sum of items 26 and 34.a) ....................................................................... 3792
RCOW
b. (Advanced approaches institutions that exit parallel run only): Total capital (sum
of items 26 and 34.b) ................................................................................................. 3792
33.
34.a.
34.b.
35.a.
35.b.
1. Item 31 is to be completed only by institutions that have not adopted ASU 2016-01, which includes provisions governing the
accounting for investments in equity securities. See instructions for further detail on ASU 2016-01.
03/2018
FFIEC 041
Page 63 of 84
RC-48
Schedule RC-R—Continued
Part I—Continued
Dollar Amounts in Thousands
Total Assets for the Leverage Ratio
36. Average total consolidated assets ............................................................................
37. LESS: Deductions from common equity tier 1 capital and additional tier 1 capital (sum of
items 6, 7, 8, 10.b, 11, 13 through 17, and certain elements of item 24 - see instructions)
38. LESS: Other deductions from (additions to) assets for leverage ratio purposes..................
39. Total assets for the leverage ratio (item 36 minus items 37 and 38).................................
Amount
RCON
3368
36.
RCOA
P875
B596
A224
37.
38.
39.
Total Risk-Weighted Assets
40. a. Total risk-weighted assets (from Schedule RC-R, Part II, item 31) .............................. A223
b. (Advanced approaches institutions that exit parallel run only): Total risk-weighted assets RCOW
using advanced approaches rule (from FFIEC 101 Schedule A, item 60) ...................... A223
40.a.
40.b.
Risk-Based Capital Ratios*
(Column A)
(Column B)
41. Common equity tier 1 capital ratio (Column A: item 19 divided by item 40.a)
RCOA Percentage RCOW Percentage
(Advanced approaches institutions that exit parallel run only: Column B: item 19
P793
divided by item 40.b) ..................................................................................... P793
42. Tier 1 capital ratio (Column A: item 26 divided by item 40.a)
(Advanced approaches institutions that exit parallel run only: Column B: item 26
7206
divided by item 40.b)...................................................................................... 7206
43. Total capital ratio (Column A: item 35.a divided by item 40.a)
(Advanced approaches institutions that exit parallel run only: Column B: item 35.b
7205
divided by item 40.b)...................................................................................... 7205
41.
42.
43.
Percentage
RCOA
Leverage Capital Ratios*
44. Tier 1 leverage ratio (item 26 divided by item 39)......................................................... 7204
45. Advanced approaches institutions only: Supplementary leverage ratio information:
a. Total leverage exposure ..................................................................................... H015
44.
Amount
45.a.
Percentage
b. Supplementary leverage ratio .............................................................................. H036
45.b.
RCOA Percentage
Capital Buffer*
46. Institution-specific capital buffer necessary to avoid limitations on distributions and discretionary
bonus payments:
a. Capital conservation buffer.................................................................................................. H311
b. (Advanced approaches institutions that exit parallel run only): Total applicable capital buffer .... RCOW H312
RCOA
Institutions must complete items 47 and 48 if the amount in item 46.a is less than or equal to the
applicable minimum capital conservation buffer:
47. Eligible retained income ................................................................................................. H313
48. Distributions and discretionary bonus payments during the quarter.......................................... H314
46.a.
46.b.
Amount
47.
48.
* Report each ratio and buffer as a percentage, rounded to four decimal places, e.g., 12.3456.
09/2016
FFIEC 041
Page 64 of 84
RC-49
Schedule RC-R—Continued
Part II. Risk-Weighted Assets
Institutions are required to assign a 100 percent risk weight to all assets not specifically assigned a risk weight under Subpart D of the federal banking agencies' regulatory
capital rules1 and not deducted from tier 1 or tier 2 capital.
(Column B)
Adjustments
to Totals
Reported in
Column A
(Column C)
0%
2%
4%
10%
Amount
Amount
Amount
Amount
Amount
Amount
RCON D957
RCON S396
RCON D958
(Column A)
Totals From
Schedule
RC
Dollar Amounts in Thousands
Balance Sheet Asset
Categories2
1. Cash and balances
due from depository
institutions....................
2. Securities:
a. Held-to-maturity
securities.................
b. Available-for-sale
debt securities and
equity securities with
readily determinable
fair values not held
for trading ..............
3. Federal funds sold and
securities purchased under
agreements to resell:
a. Federal funds sold .....
b. Securities purchased
under agreements to
resell ......................
4. Loans and leases held for
sale:
a. Residential mortgage
exposures ...............
b. High volatility
commercial real estate
exposures................
(Column D)
(Column E)
(Column F)
(Column G)
(Column H)
(Column I)
(Column J)
20%
50%
100%
150%
Amount
Amount
Amount
Amount
RCON D959
RCON S397
RCON D960
RCON S398
Allocation by Risk-Weight Category
1.
RCON D961
RCON S399
RCON D962
RCON HJ74
RCON HJ75
RCON D963
RCON D964
RCON D965
RCON S400
2.a.
RCON JA21
RCON S402
RCON D967
RCON HJ76
RCON HJ77
RCON D968
RCON D969
RCON D970
RCON S403
2.b.
RCON D971
RCON D972
RCON D973
RCON S410
RCON D974
RCON S411
3.a.
RCON H171
RCON H172
3.b.
RCON S413
RCON S414
RCON H173
RCON S415
RCON S416
RCON S417
4.a.
RCON S419
RCON S420
RCON H174
RCON H175
RCON H176
RCON H177
RCON S421
4.b.
1. For national banks and federal savings associations, 12 CFR Part 3; for state member banks, 12 CFR Part 217; and for state nonmember banks and state savings associations 12 CFR Part 324.
2. All securitization exposures held as on-balance sheet assets of the reporting institution are to be excluded from items 1 through 8 and are to be reported instead in item 9.
03/2018
FFIEC 041
Page 65 of 84
RC-50
Schedule RC-R—Continued
Part II—Continued
(Column K)
(Column L)
(Column M)
(Column N)
(Column O)
(Column P)
(Column Q)
Dollar Amounts in Thousands
(Column S)
Application of Other RiskWeighting Approaches3
Allocation by Risk-Weight Category
Balance Sheet Asset
Categories (continued)
1. Cash and balances
due from depository
institutions.......................................
2. Securities:
a. Held-to-maturity
securities....................................
b. Available-for-sale
debt securities and
equity securities with
readily determinable
fair values not held
for trading .................................
3. Federal funds sold and
securities purchased under
agreements to resell:
a. Federal funds sold ........................
b. Securities purchased
under agreements to
resell .........................................
4. Loans and leases held for
sale:
a. Residential mortgage
exposures ..................................
b. High volatility
commercial real estate
exposures...................................
(Column R)
250%4
300%
400%
600%
625%
937.5%
1250%
Exposure
Amount
Risk-Weighted
Asset Amount
Amount
Amount
Amount
Amount
Amount
Amount
Amount
Amount
Amount
1.
2.a.
RCON H270
RCON S405
RCON S406
RCON H271
RCON H272
2.b.
3.a.
3.b.
RCON H273
RCON H274
4.a.
RCON H275
RCON H276
4.b.
3. Includes, for example, investments in mutual funds/investment funds, exposures collateralized by securitization exposures or mutual funds, separate account bank-owned life insurance, and
default fund contributions to central counterparties.
4. Column K - 250% risk weight is applicable to advanced approaches institutions only. The 250% risk weight currently is not applicable to non-advanced approaches institutions.
03/2018
FFIEC 041
Page 66 of 84
RC-51
Schedule RC-R—Continued
Part II—Continued
(Column B)
Adjustments
to Totals
Reported in
Column A
(Column C)
0%
2%
4%
10%
Amount
Amount
Amount
Amount
Amount
Amount
RCON S423
RCON S424
RCON S425
RCON HJ78
RCON S431
RCON S432
RCON S433
RCON HJ80
(Column A)
Totals From
Schedule
RC
Dollar Amounts in Thousands
4. Loans and leases held for
sale (continued):
c. Exposures past due
90 days or more or
on nonaccrual5 ..........
d. All other
exposures................
5. Loans and leases
held for investment:
a. Residential mortgage
exposures................
b. High volatility
commercial real estate
exposures................
c. Exposures past due
90 days or more or on
nonaccrual6 ..............
(Column D)
(Column E)
(Column F)
(Column G)
(Column H)
(Column I)
(Column J)
20%
50%
100%
150%
Amount
Amount
Amount
Amount
RCON HJ79
RCON S426
RCON S427
RCON S428
RCON S429
RCON HJ81
RCON S434
RCON S435
RCON S436
RCON S437
Allocation by Risk-Weight Category
4.c.
4.d.
RCON S439
RCON S440
RCON H178
RCON S441
RCON S442
RCON S443
5.a.
RCON S445
RCON S446
RCON H179
RCON H180
RCON H181
RCON H182
RCON S447
5.b.
RCON S449
RCON S450
RCON S451
RCON HJ82
RCON HJ83
RCON S452
RCON S453
RCON S454
RCON S455
RCON S457
RCON S458
RCON S459
RCON HJ84
RCON HJ85
RCON S460
RCON S461
RCON S462
RCON S463
RCON 3123
RCON 3123
5.c.
d. All other exposures ....
6. LESS: Allowance for loan
and lease losses ...........
5.d.
6.
5. For loans and leases held for sale, exclude residential mortgage exposures, high volatility commercial real estate exposures, or sovereign exposures that are past due 90 days or more
or on nonaccrual.
6. For loans and lease held for investment, exclude residential mortgage exposures, high volatility commercial real estate exposures, or sovereign exposures that are past due 90 days or more
or on nonaccrual.
03/2018
FFIEC 041
Page 67 of 84
RC-52
Schedule RC-R—Continued
Part II—Continued
(Column K)
(Column L)
(Column M)
(Column N)
(Column O)
(Column P)
(Column Q)
Dollar Amounts in Thousands
(Column S)
Application of Other RiskWeighting Approaches7
Allocation by Risk-Weight Category
4. Loans and leases held for
sale (continued):
c. Exposures past due
90 days or more or
on nonaccrual9 .............................
d. All other
exposures...................................
5. Loans and leases
held for investment:
a. Residential mortgage
exposures...................................
b. High volatility
commercial real estate
exposures...................................
c. Exposures past due
90 days or more or on
nonaccrual 10 ................................
(Column R)
250%8
300%
400%
600%
625%
937.5%
1250%
Exposure
Amount
Risk-Weighted
Asset Amount
Amount
Amount
Amount
Amount
Amount
Amount
Amount
Amount
Amount
RCON H277
RCON H278
RCON H279
RCON H280
4.c.
4.d.
RCON H281
RCON H282
5.a.
RCON H283
RCON H284
5.b.
RCON H285
RCON H286
RCON H287
RCON H288
5.c.
d. All other exposures .......................
6. LESS: Allowance for loan
and lease losses ..............................
5.d.
6.
7. Includes, for example, investments in mutual funds/investment funds, exposures collateralized by securitization exposures or mutual funds, separate account bank-owned life insurance, and
default fund contributions to central counterparties.
8. Column K - 250% risk weight is applicable to advanced approaches institutions only. The 250% risk weight currently is not applicable to non-advanced approaches institutions.
9. For loans and leases held for sale, exclude residential mortgage exposures, high volatility commercial real estate exposures, or sovereign exposures that are past due 90 days or more
or on nonaccrual.
10. For loans and lease held for investment, exclude residential mortgage exposures, high volatility commercial real estate exposures, or sovereign exposures that are past due 90 days or more
or on nonaccrual.
03/2018
FFIEC 041
Page 68 of 84
RC-53
Schedule RC-R—Continued
Part II—Continued
(Column A)
Totals From
Schedule
RC
Dollar Amounts in Thousands
(Column B)
Adjustments
to Totals
Reported in
Column A
(Column C)
(Column D)
(Column E)
(Column F)
(Column G)
(Column H)
(Column I)
(Column J)
50%
100%
150%
Allocation by Risk-Weight Category
0%
2%
4%
10%
Amount
20%
Amount
Amount
Amount
Amount
Amount
Amount
Amount
Amount
Amount
RCON D976
RCON S466
RCON D977
RCON HJ86
RCON HJ87
RCON D978
RCON D979
RCON D980
RCON S467
RCON D981
RCON S469
RCON D982
RCON HJ88
RCON HJ89
RCON D983
RCON D984
RCON D985
RCON H185
7. Trading assets ..............
7.
8. All other assets11 ............
a. Separate account
bank-owned life
insurance ................
b. Default fund
contributions to central
counterparties ..........
8.
8.a.
8.b.
11. Includes premises and fixed assets; other real estate owned; investments in unconsolidated subsidiaries and associated companies; direct and indirect investments in real estate ventures;
intangible assets; and other assets.
03/2018
FFIEC 041
Page 69 of 84
RC-54
Schedule RC-R—Continued
Part II—Continued
(Column K)
(Column L)
(Column M)
(Column N)
(Column O)
(Column P)
(Column Q)
Dollar Amounts in Thousands
300%
400%
(Column S)
Application of Other RiskWeighting Approaches12
Allocation by Risk-Weight Category
250%13
(Column R)
600%
625%
937.5%
1250%
Amount
Amount
Amount
Exposure
Amount
Risk-Weighted
Asset Amount
Amount
Amount
Amount
Amount
Amount
Amount
RCON H289
RCON H186
RCON H290
RCON H187
RCON H291
RCON H292
RCON H293
RCON H188
RCON S470
RCON S471
RCON H294
RCON H295
7. Trading assets .................................
8. All other assets14 ...............................
a. Separate account
bank-owned life
insurance ...................................
b. Default fund
contributions to central
counterparties .............................
7.
8.
RCON H296
RCON H297
8.a.
RCON H298
RCON H299
8.b.
12. Includes, for example, investments in mutual funds/investment funds, exposures collateralized by securitization exposures or mutual funds, separate account bank-owned life insurance, and
default fund contributions to central counterparties.
13. Column K - 250% risk weight is applicable to advanced approaches institutions only. The 250% risk weight currently is not applicable to non-advanced approaches institutions.
14. Includes premises and fixed assets; other real estate owned; investments in unconsolidated subsidiaries and associated companies; direct and indirect investments in real estate ventures;
intangible assets; and other assets.
03/2018
FFIEC 041
Page 70 of 84
RC-55
Schedule RC-R—Continued
Part II—Continued
(Column A)
Totals
Dollar Amounts in Thousands
Securitization Exposures: On- and Off-Balance Sheet
9. On-balance sheet securitization exposures:
a. Held-to-maturity securities..........................................................................................
(Column Q)
(Column B)
Adjustments
Allocation by
to Totals
Risk-Weight
Reported in
Category
Column A
(Exposure Amount)
(Column T)
(Column U)
Total Risk-Weighted Asset
Amount by Calculation
Methodology
Amount
Amount
1250%
Amount
SSFA15
Amount
Gross-Up
Amount
RCON S475
RCON S476
RCON S477
RCON S478
RCON S479
RCON S480
RCON S481
RCON S482
RCON S483
RCON S484
RCON S485
RCON S486
RCON S487
RCON S488
RCON S489
RCON S490
RCON S491
RCON S492
RCON S493
RCON S494
RCON S495
RCON S496
RCON S497
RCON S498
RCON S499
9.a.
b. Available-for-sale securities ........................................................................................
9.b.
c. Trading assets .........................................................................................................
9.c.
d. All other on-balance sheet securitization exposures.........................................................
9.d.
10. Off-balance sheet securitization exposures ........................................................................
(Column A)
Totals From
Schedule
RC
(Column B)
Adjustments
to Totals
Reported in
Column A
(Column C)
(Column D)
(Column E)
10.
(Column F)
(Column G)
(Column H)
(Column I)
(Column J)
50%
100%
150%
Allocation by Risk-Weight Category
0%
2%
4%
10%
Amount
Dollar Amounts in Thousands
Amount
Amount
Amount
Amount
Amount
11. Total balance sheet
assets16 ................
RCON 2170
RCON S500
RCON D987
RCON HJ90
RCON HJ91
20%
Amount
Amount
Amount
Amount
RCON D988
RCON D989
RCON D990
RCON S503
11.
(Column K)
(Column L)
(Column M)
(Column N)
(Column O)
(Column P)
(Column Q)
Allocation by Risk-Weight Category
250%17
Dollar Amounts in Thousands
11. Total balance sheet
assets16 .............................................................
300%
400%
600%
625%
937.5%
Amount
Amount
Amount
Amount
Amount
Amount
RCON S504
RCON S505
RCON S506
RCON S507
(Column R)
Application of
Other RiskWeighting
Approaches
1250%
Exposure
Amount
Amount
Amount
RCON S510
RCON H300
11.
15. Simplified Supervisory Formula Approach.
16. For each of columns A through R of item 11, report the sum of items 1 through 9. For item 11, the sum of columns B through R must equal column A. Item 11, column A, must equal Schedule RC, item 12.
17. Column K - 250% risk weight is applicable to advanced approaches institutions only. The 250% risk weight currently is not applicable to non-advanced approaches institutions.
03/2018
FFIEC 041
Page 71 of 84
RC-56
Schedule RC-R—Continued
Part II—Continued
(Column A)
Face, Notional, CCF18
or Other
Amount
Dollar Amounts in Thousands
Derivatives, Off-Balance
Sheet Items, and Other
Items Subject to Risk
Weighting (Excluding
Securitization
Exposures)20
12. Financial standby
letters of credit .......
13. Performance standby
letters of credit and
transaction-related
contingent items .....
14. Commercial and
similar letters of credit
with an original
maturity of one year
or less ..................
15. Retained recourse
on small business
obligations sold
with recourse .........
Amount
RCON D991
(Column B)
Credit
Equivalent
Amount19
(Column C)
(Column D)
(Column E)
(Column F)
(Column G)
(Column H)
(Column I)
(Column J)
Allocation by Risk-Weight Category
0%
2%
4%
10%
20%
50%
100%
150%
Amount
Amount
Amount
Amount
Amount
Amount
Amount
Amount
Amount
RCON D992
RCON D993
RCON HJ92
RCON HJ93
RCON D994
RCON D995
RCON D996
RCON S511
12.
1.0
RCON D997
RCON D998
RCON D999
RCON G603
RCON G604
RCON G605
RCON S512
13.
0.5
RCON G606
RCON G607
RCON G608
RCON HJ94
RCON HJ95
RCON G609
RCON G610
RCON G611
RCON S513
14.
0.2
RCON G612
RCON G613
RCON G614
RCON G615
RCON G616
1.0
RCON G617
RCON S514
15.
18. Credit conversion factor.
19. Column A multiplied by credit conversion factor. For each of items 12 through 21, the sum of columns C through J plus column R must equal column B.
20. All derivatives and off-balance sheet items that are securitization exposures are to be excluded from items 12 through 21 and are to be reported instead in item 10.
03/2018
FFIEC 041
Page 72 of 84
RC-57
Schedule RC-R—Continued
Part II—Continued
(Column A)
Face, Notional, CCF21
or Other
Amount
(Column B)
Credit
Equivalent
Amount22
(Column C)
(Column E)
(Column F)
(Column G)
(Column H)
(Column I)
(Column J)
50%
100%
150%
Allocation by Risk-Weight Category
0%
Dollar Amounts in Thousands
16. Repo-style
transactions23 ..........
17. All other off-balance
sheet liabilities ........
18. Unused commitments
(exclude unused
commitments to
asset-backed
commercial paper
conduits):
a. Original maturity of
one year or less ..
b. Original maturity
exceeding one
year ..................
19. Unconditionally
cancelable
commitments..........
20. Over-the-counter
derivatives .............
21. Centrally cleared
derivatives .............
22. Unsettled transactions
(failed trades)24 ........
(Column D)
2%
4%
10%
Amount
Amount
Amount
Amount
Amount
Amount
RCON S515
RCON S516
RCON S517
RCON S518
RCON S519
RCON G619
RCON G620
20%
Amount
Amount
Amount
Amount
RCON S520
RCON S521
RCON S522
RCON S523
RCON G621
RCON G622
RCON G623
RCON S524
16.
1.0
RCON G618
17.
1.0
RCON S525
RCON S526
RCON S527
RCON HJ96
RCON HJ97
RCON S528
RCON S529
RCON S530
RCON S531
18.a.
0.2
RCON G624
RCON G625
RCON G626
RCON HJ98
RCON HJ99
RCON G627
RCON G628
RCON G629
RCON S539
18.b.
0.5
RCON S540
RCON S541
19.
0.0
RCON S542
RCON S543
RCON HK00
RCON HK01
RCON S549
RCON S550
RCON S551
RCON S552
RCON S544
RCON S545
RCON S546
RCON S547
RCON S548
RCON S554
RCON S555
RCON S556
RCON S557
RCON H194
RCON H195
RCON H196
RCON H197
20.
21.
RCON H191
RCON H193
22.
21. Credit conversion factor.
22. For items 16 through 19, column A multiplied by credit conversion factor.
23. Includes securities purchased under agreements to resell (reverse repos), securities sold under agreements to repurchase (repos), securities borrowed, and securities lent.
24. For item 22, the sum of columns C through Q must equal column A.
03/2018
FFIEC 041
Page 73 of 84
RC-58
Schedule RC-R—Continued
Part II—Continued
(Column O)
(Column P)
(Column Q)
Allocation by Risk-Weight Category
Dollar Amounts in Thousands
16. Repo-style
transactions26 ................................................................................................................
17. All other off-balance
sheet liabilities ..............................................................................................................
18. Unused commitments
(exclude unused
commitments to
asset-backed
commercial paper
conduits):
a. Original maturity of
one year or less .........................................................................................................
b. Original maturity
exceeding one
year ........................................................................................................................
19. Unconditionally
cancelable
commitments................................................................................................................
20. Over-the-counter
derivatives ...................................................................................................................
21. Centrally cleared
derivatives ...................................................................................................................
22. Unsettled transactions
(failed trades)27 ..............................................................................................................
625%
937.5%
1250%
Amount
Amount
Amount
(Column R)
(Column S)
Application of Other RiskWeighting Approaches25
Credit Equivalent Risk-Weighted
Amount
Asset Amount
Amount
Amount
RCON H301
RCON H302
16.
17.
RCON H303
RCON H304
18.a.
RCON H307
RCON H308
18.b.
19.
RCON H309
RCON H310
20.
21.
RCON H198
RCON H199
RCON H200
22.
25. Includes, for example, exposures collateralized by securitization exposures or mutual funds.
26. Includes securities purchased under agreements to resell (reverse repos), securities sold under agreements to repurchase (repos), securities borrowed, and securities lent.
27. For item 22, the sum of columns C through Q must equal column A.
03/2018
FFIEC 041
Page 74 of 84
RC-59
Schedule RC-R—Continued
Part II—Continued
(Column C)
(Column D)
(Column E)
(Column F)
(Column G)
(Column H)
(Column I)
(Column J)
Allocation by Risk-Weight Category
Dollar Amounts in Thousands
23. Total assets, derivatives,
off-balance sheet items,
and other items subject
to risk weighting by riskweight category (for
each of columns C
through P, sum of items
11 through 22; for
column Q, sum of items
10 through 22) ....................................................
24. Risk-weight factor ................................................
25. Risk-weighted assets
by risk-weight
category (for each
column, item 23
multiplied by
item 24) .............................................................
0%
2%
4%
10%
20%
50%
100%
150%
Amount
Amount
Amount
Amount
Amount
Amount
Amount
Amount
RCON G630
RCON S558
RCON S559
RCON S560
RCON G631
RCON G632
RCON G633
RCON S561
X 0%
X 2%
X 4%
X 10%
X 20%
X 50%
X 100%
X 150%
RCON G634
RCON S569
RCON S570
RCON S571
RCON G635
RCON G636
RCON G637
RCON S572
23.
24.
25.
03/2015
FFIEC 041
Page 75 of 84
RC-60
Schedule RC-R—Continued
Part II—Continued
(Column K)
(Column L)
(Column M)
(Column N)
(Column O)
(Column P)
(Column Q)
Allocation by Risk-Weight Category
Dollar Amounts in Thousands
23. Total assets, derivatives,
off-balance sheet items,
and other items subject
to risk weighting by riskweight category (for
each of columns C
through P, sum of items
11 through 22; for
column Q, sum of items
10 through 22) .......................................................................
24. Risk-weight factor ...................................................................
25. Risk-weighted assets
by risk-weight
category (for each
column, item 23
multiplied by
item 24) ................................................................................
26.
27.
28.
29.
30.
31.
250%28
300%
400%
600%
625%
937.5%
1250%
Amount
Amount
Amount
Amount
Amount
Amount
Amount
RCON S562
RCON S563
RCON S564
RCON S565
RCON S566
RCON S567
RCON S568
X 250%
X 300%
X 400%
X 600%
X 625%
X 937.5%
X 1250%
RCON S573
RCON S574
RCON S575
RCON S576
RCON S577
RCON S578
RCON S579
Dollar Amounts in Thousands
Risk-weighted assets base for purposes of calculating the allowance for loan and lease losses 1.25 percent threshold ..............................
Standardized market-risk weighted assets (applicable only to banks that are covered by the market risk capital rules) ...............................
Risk-weighted assets before deductions for excess allowance for loan and lease losses and allocated transfer risk reserve29 ......................
LESS: Excess allowance for loan and lease losses ......................................................................................................................
LESS: Allocated transfer risk reserve .........................................................................................................................................
Total risk-weighted assets (item 28 minus items 29 and 30)............................................................................................................
23.
24.
25.
RCON
S580
S581
B704
A222
3128
G641
Totals
Amount
26.
27.
28.
29.
30.
31.
28. Column K - 250% risk weight is applicable to advanced approaches institutions only. The 250% risk weight currently is not applicable to non-advanced approaches institutions.
29. Sum of items 2.b through 20, column S; items 9.a, 9.b, 9.c, 9.d, and 10, columns T and U; item 25, columns C through Q; and item 27 (if applicable).
03/2018
FFIEC 041
Page 76 of 84
RC-61
Schedule RC-R—Continued
Part II—Continued
Memoranda
Dollar Amounts in Thousands RCON
1. Current credit exposure across all derivative contracts covered by the regulatory capital rules ..................................................................... G642
(Column A)
One year or less
Dollar Amounts in Thousands
2. Notional principal amounts of over-the-counter derivative contracts:
a. Interest rate .....................................................................................
b. Foreign exchange rate and gold...........................................................
c. Credit (investment grade reference asset)..............................................
d. Credit (non-investment grade reference asset)........................................
e. Equity ............................................................................................
f. Precious metals (except gold) .............................................................
g. Other .............................................................................................
3. Notional principal amounts of centrally cleared derivative contracts:
a. Interest rate .....................................................................................
b. Foreign exchange rate and gold ..........................................................
c. Credit (investment grade reference asset) .............................................
d. Credit (non-investment grade reference asset) .......................................
e. Equity ............................................................................................
f. Precious metals (except gold) .............................................................
g. Other .............................................................................................
RCON
Amount
With a remaining maturity of
(Column B)
Over one year
through five years
RCON
Amount
Amount
M.1.
(Column C)
Over five years
RCON
Amount
S582
S585
S588
S591
S594
S597
S600
S583
S586
S589
S592
S595
S598
S601
S584
S587
S590
S593
S596
S599
S602
M.2.a.
M.2.b.
M.2.c.
M.2.d.
M.2.e.
M.2.f.
M.2.g.
S603
S606
S609
S612
S615
S618
S621
S604
S607
S610
S613
S616
S619
S622
S605
S608
S611
S614
S617
S620
S623
M.3.a.
M.3.b.
M.3.c.
M.3.d.
M.3.e.
M.3.f.
M.3.g.
03/2015
FFIEC 041
Page 77 of 84
RC-62
Schedule RC-S—Servicing, Securitization, and Asset Sale Activities
(Column A)
1–4 Family
Residential
Loans
Dollar Amounts in Thousands
Bank Securitization Activities
1. Outstanding principal balance of assets sold and
securitized by the reporting bank with servicing
retained or with recourse or other seller-provided
credit enhancements.........................................
2. Maximum amount of credit exposure arising from
recourse or other seller-provided credit enhancements provided to structures reported in item 1 ......
3. Not applicable
4. Past due loan amounts included in item 1:
a. 30–89 days past due .....................................
b. 90 days or more past due ...............................
5. Charge-offs and recoveries on assets sold and
securitized with servicing retained or with recourse
or other seller-provided credit enhancements
(calendar year-to-date):
a. Charge-offs .................................................
b. Recoveries ..................................................
RCON
Amount
(Columns B - F)
Not applicable
RCON
Amount
(Column G)
All Other Loans,
All Leases, and
All Other Assets
RCON
Amount
B705
B711
1.
HU09
HU15
2.
B733
B740
B739
B746
4.a.
4.b.
RIAD
RIAD
B747
B753
B754
B760
5.a.
5.b.
Item 6 is to be completed by banks with $10 billion or
more in total assets. 1
6. Total amount of ownership (or seller's) interest
carried as securities or loans ...............................
7. and 8. Not applicable
For Securitization Facilities Sponsored By or
Otherwise Established By Other Institutions
9. Maximum amount of credit exposure arising from
credit enhancements provided by the reporting bank
to other institutions' securitization structures
RCON
in the form of standby letters of credit, purchased
subordinated securities, and other enhancements .... B776
RCON
HU19
6.
B782
9.
B789
10.
B796
11.
B803
12.
Item 10 is to be completed by banks with $10 billion or
more in total assets.1
10. Reporting bank's unused commitments to provide
liquidity to other institutions' securitization structures ... B783
Bank Asset Sales
11. Assets sold with recourse or other seller-provided
credit enhancements and not securitized by the
reporting bank ................................................. B790
12. Maximum amount of credit exposure arising from
recourse or other seller-provided credit enhancements provided to assets reported in item 11 ........... B797
1. The $10 billion asset-size test is based on the total assets reported on the June 30, 2017, Report of Condition.
06/2018
FFIEC 041
Page 78 of 84
RC-63
Schedule RC-S—Continued
Memoranda
Dollar Amounts in Thousands
1. Not applicable
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 enhancement ........................................................................
b. Closed-end 1– 4 family residential mortgages serviced with no recourse or other
servicer-provided credit enhancement ........................................................................
c. Other financial assets (includes home equity lines) 1 .......................................................
d. 1–4 family residential mortgages serviced for others that are in process of foreclosure at
quarter-end (includes closed-end and open-end loans) ...................................................
RCON
Amount
B804
M.2.a.
B805
A591
M.2.b.
M.2.c.
F699
M.2.d.
B806
B807
M.3.a.(1)
M.3.a.(2)
B808
B809
M.3.b.(1)
M.3.b.(2)
C407
M.4.
Memorandum item 3 is to be completed by banks with $10 billion or more in total assets.2
3. Asset-backed commercial paper conduits:
a. Maximum amount of credit exposure arising from credit enhancements provided to conduit
structures in the form of standby letters of credit, subordinated securities, and other
enhancements:
(1) Conduits sponsored by the bank, a bank affiliate, or the bank's holding company ............
(2) Conduits sponsored by other unrelated institutions ....................................................
b. Unused commitments to provide liquidity to conduit structures:
(1) Conduits sponsored by the bank, a bank affiliate, or the bank's holding company ............
(2) Conduits sponsored by other unrelated institutions ....................................................
4. Outstanding credit card fees and finance charges included in Schedule RC-S, item 1,
column G2,3 ...............................................................................................................
1. Memorandum item 2.c is to be completed if the principal balance of other financial assets serviced for others is more than $10 million.
2. The $10 billion asset-size test is based on the total assets reported on the June 30, 2017, Report of Condition.
3. Memorandum item 4 is to be completed by banks with $10 billion or more in total assets that (1) together with affiliated institutions, have
outstanding credit card receivables (as defined in the instructions) that exceed $500 million as of the report date, or (2) are credit card
specialty banks as defined for Uniform Bank Performance Report purposes.
06/2018
FFIEC 041
Page 79 of 84
RC-64
Schedule RC-T—Fiduciary and Related Services
RCON Yes
No
1. Does the institution have fiduciary powers? (If "NO," do not complete Schedule RC-T.) .................... A345
2. Does the institution exercise the fiduciary powers it has been granted? ......................................... A346
3. Does the institution have any fiduciary or related activity (in the form of assets or accounts) to report
in this schedule? (If "NO," do not complete the rest of Schedule RC-T.) ........................................ B867
1.
2.
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 million (as of the preceding December 31)
or with gross fiduciary and related services income greater than 10 percent of revenue (net interest income plus noninterest income)
for the preceding calendar year must complete:
• Items 4 through 22 and Memorandum item 3 quarterly,
• Items 23 through 26 annually with the December report, and
• Memorandum items 1, 2, and 4 annually with the December report.
Institutions with total fiduciary assets (item 10, sum of columns A and B) less than or equal to $250 million (as of the preceding
December 31) that do not meet the fiduciary income test for quarterly reporting must complete:
• Items 4 through 13 annually with the December report, and
• Memorandum items 1 through 3 annually with the December report.
• Institutions with total fiduciary assets greater than $100 million but less than or equal to $250 million (as of the preceding
December 31) that do not meet the fiduciary income test for quarterly reporting must also complete Memorandum item 4 annually
with the December report.
(Column A)
Managed
Assets
Dollar Amounts in Thousands
Fiduciary and Related Assets
4. Personal trust and agency accounts .........
5. Employee benefit and retirement-related
trust and agency accounts:
a. Employee benefit—defined
contribution......................................
b. Employee benefit—defined
benefit ............................................
c. Other employee benefit and retirementrelated accounts ...............................
6. Corporate trust and agency accounts .......
7. Investment management and investment
advisory agency accounts ......................
8. Foundation and endowment trust and
agency accounts ..................................
9. Other fiduciary accounts ........................
10. Total fiduciary accounts
(sum of items 4 through 9) .....................
(Column B)
Non-Managed
Assets
(Column C)
Number of
Managed
Accounts
(Column D)
Number of
Non-Managed
Accounts
Amount
Amount
Number
Number
RCON B868
RCON B869
RCON B870
RCON B871
4.
RCON B872
RCON B873
RCON B874
RCON B875
RCON B876
RCON B877
RCON B878
RCON B879
RCON B880
RCON B881
RCON B882
RCON B883
RCON B884
RCON B885
RCON C001
RCON C002
RCON B886
RCON J253
RCON B888
RCON J254
RCON J255
RCON J256
RCON J257
RCON J258
RCON B890
RCON B891
RCON B892
RCON B893
RCON B894
RCON B895
RCON B896
RCON B897
5.a.
5.b.
5.c.
6.
7.
8.
9.
10.
06/2018
FFIEC 041
Page 80 of 84
RC-65
Schedule RC-T—Continued
(Column A)
Managed
Assets
Dollar Amounts in Thousands
(Column B)
Non-Managed
Assets
(Column C)
Number of
Managed
Accounts
Amount
Number
Amount
Number
RCON B898
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) ....
(Column D)
Number of
Non-Managed
Accounts
RCON B899
11.
RCON J259
RCON J260
RCON J261
13.
Dollar Amounts in Thousands RIAD
Fiduciary and Related Services Income
14. Personal trust and agency accounts ..................................................................................
15. Employee benefit and retirement-related trust and agency accounts:
a. Employee benefit—defined contribution ..........................................................................
b. Employee benefit—defined benefit ................................................................................
c. Other employee benefit and retirement-related accounts ....................................................
16. Corporate trust and agency accounts ................................................................................
17. Investment management and investment advisory agency accounts ........................................
18. Foundation and endowment trust and agency accounts ........................................................
19. Other fiduciary accounts .................................................................................................
20. Custody and safekeeping accounts ...................................................................................
21. Other fiduciary and related services income ........................................................................
22. Total gross fiduciary and related services income (sum of items 14 through 21)
(must equal Schedule RI, item 5.a) ..................................................................................
23. Less: Expenses ............................................................................................................
24. Less: Net losses from fiduciary and related services .............................................................
25. Plus: Intracompany income credits for fiduciary and related services........................................
26. Net fiduciary and related services income...........................................................................
Memoranda
Dollar Amounts in Thousands
1. Managed assets held in fiduciary accounts:
a. Noninterest-bearing deposits ........................
b. Interest-bearing deposits .............................
c. U.S. Treasury and U.S. Government
agency obligations .....................................
d. State, county, and municipal obligations .........
e. Money market mutual funds .........................
f. Equity mutual funds ....................................
g. Other mutual funds.....................................
h. Common trust funds and collective
investment funds .......................................
i. Other short-term obligations .........................
j. Other notes and bonds ................................
k. Investments in unregistered funds and private
equity investments .....................................
RCON J262
(Column A)
Personal Trust and
Agency and Investment
Management Agency
Accounts
RCON
Amount
(Column B)
Employee Benefit
and Retirement-Related
Trust and Agency
Accounts
RCON
Amount
Amount
B904
14.
B905
15.a.
15.b.
15.c.
16.
17.
18.
19.
20.
21.
B906
B907
A479
J315
J316
A480
B909
B910
4070
22.
23.
24.
25.
26.
C058
A488
B911
A491
(Column C)
All Other Accounts
RCON
Amount
J263
J266
J264
J267
J265
J268
M.1.a.
M.1.b.
J269
J272
J270
J273
J271
J274
J275
J278
J281
J276
J279
J282
J277
J280
J283
M.1.c.
M.1.d.
M.1.e.
M.1. f.
M.1.g.
J284
J287
J285
J288
J286
J289
J290
J291
J292
M.1.h.
M.1. i.
M.1. j.
J293
J294
J295
M.1.k.
06/2012
FFIEC 041
Page 81 of 84
RC-66
Schedule RC-T—Continued
Memoranda—Continued
(Column A)
Personal Trust and
Agency and Investment
Management Agency
Accounts
1. l.
m.
n.
o.
p.
Dollar Amounts in Thousands
Other common and preferred stocks ...........
Real estate mortgages ...............................
Real estate ............................................
Miscellaneous assets ..............................
Total managed assets held in fiduciary
accounts (for each column, sum of
Memorandum items 1.a through 1.o)...........
RCON
Amount
(Column B)
Employee Benefit
and Retirement-Related
Trust and Agency
Accounts
Amount
RCON
(Column C)
All Other Accounts
RCON
Amount
J296
J299
J297
J300
J298
J301
J302
J305
J303
J306
J304
J307
M.1. l.
M.1.m.
M.1.n.
M.1.o.
J308
J309
J310
M.1.p.
(Column A)
Managed Assets
Dollar Amounts in Thousands RCON
1. q. Investments of managed fiduciary accounts in advised or
sponsored mutual funds ........................................................... J311
Amount
(Column B)
Number of
Managed Accounts
RCON
Number
J312
(Column A)
Number of
Issues
Dollar Amounts in Thousands RCON
2. Corporate trust and agency accounts:
a. Corporate and municipal trusteeships ................................................. B927
M.1.q.
(Column B)
Principal Amount
Outstanding
Number
Amount
RCON B928
M.2.a.
RCON J314
(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.
Memorandum items 3.a through 3.h are to be completed by banks with collective investment funds and common trust funds
with a total market value of $1 billion or more as of the preceding December 31.
Memorandum item 3.h only is to be completed by banks with collective investment funds and common trust funds with a
total market value of less than $1 billion as of the preceding December 31.
(Column A)
Number of Funds
Dollar Amounts in Thousands
3. Collective investment funds and common trust funds
a. Domestic equity..............................................................................
b. International/Global equity ................................................................
c. Stock/Bond blend............................................................................
d. Taxable bond .................................................................................
e. Municipal bond ...............................................................................
f. Short-term investments/Money market ...............................................
g. Specialty/Other ..............................................................................
h. Total collective investment funds
(sum of Memorandum items 3.a through 3.g) .......................................
RCON
Number
(Column B)
Market Value of
Fund Assets
RCON
Amount
B931
B932
B933
B935
B937
B934
B936
B938
B939
B941
B943
B940
B942
B944
M.3.a.
M.3.b.
M.3.c.
M.3.d.
M.3.e.
M.3. f.
M.3.g.
B945
B946
M.3.h.
06/2018
FFIEC 041
Page 82 of 84
RC-67
Schedule RC-T—Continued
Memoranda—Continued
(Column A)
Gross Losses
Managed
Accounts
Dollar Amounts in Thousands
4. Fiduciary settlements, surcharges, and other losses:
a. Personal trust and agency accounts ........................................
b. Employee benefit and retirement-related trust and agency
accounts ............................................................................
c. Investment management and investment advisory agency
accounts ............................................................................
d. Other fiduciary accounts and related services ............................
e. Total fiduciary settlements, surcharges, and other losses
(sum of Memorandum items 4.a through 4.d)
(sum of columns A and B minus column C must equal
Schedule RC-T, item 24) .......................................................
RIAD
Amount
(Column B)
Gross Losses
Non-Managed
Accounts
RIAD
Amount
(Column C)
Recoveries
RIAD
Amount
B947
B948
B949
M.4.a.
B950
B951
B952
M.4.b.
B953
B956
B954
B957
B955
B958
M.4.c.
M.4.d.
B959
B960
B961
M.4.e.
Person to whom questions about Schedule RC-T—Fiduciary and Related Services should be directed:
Name and Title (TEXT B962)
E-mail Address (TEXT B926)
Area Code / Phone Number / Extension (TEXT B963)
Area Code / FAX Number (TEXT B964)
06/2012
FFIEC 041
Page 83 of 84
RC-68
Schedule RC-V—Variable Interest Entities
(Column A)
Securitization Vehicles
Dollar Amounts in Thousands
1. Assets of consolidated variable interest entities (VIEs) that can be used only
to settle obligations of the consolidated VIEs:
a. Cash and balances due from depository institutions ................................
b. Securities not held for trading .............................................................
c. Loans and leases held for investment, net of allowance, and held for sale ...
d. Other real estate owned ....................................................................
e. Other assets ...................................................................................
2. Liabilities of consolidated VIEs for which creditors do not have recourse to
the general credit of the reporting bank:
a. Other borrowed money .....................................................................
b. Other liabilities ................................................................................
3. All other assets of consolidated VIEs
(not included in items 1.a through 1.e above) ............................................
4. All other liabilities of consolidated VIEs
(not included in items 2.a and 2.b above) .................................................
RCON
Amount
(Column B)
Other VIEs
RCON
Amount
J981
JF84
HU20
HU22
K009
JF91
HU21
HU23
JF89
JF90
1.a.
1.b.
1.c.
1.d.
1.e.
JF92
JF93
JF85
JF86
2.a.
2.b.
K030
JF87
3.
K033
JF88
4.
Dollar Amounts in Thousands RCON
5. Total assets of asset-backed commercial paper (ABCP) conduit VIEs............................................ JF77
6. Total liabilities of ABCP conduit VIEs ...................................................................................... JF78
Amount
5.
6.
06/2018
FFIEC 041
Page 84 of 84
RC-69
Optional Narrative Statement Concerning the Amounts
Reported in the Reports of Condition and Income
The management of the reporting bank may, if it wishes, submit a
brief narrative statement on the amounts reported in the Reports
of Condition and Income. This optional statement will be made
available to the public, along with the publicly available data in the
Reports of Condition and Income, in response to any request for
individual bank report data. However, the information reported in
Schedule RI-E, item 2.g; Schedule RC-O, Memorandum items 6
through 9, 14, 15, and 18; and Schedule RC-P, items 7.a and 7.b,
is regarded as confidential and will not be released to the public.
BANKS CHOOSING TO SUBMIT THE NARRATIVE STATEMENT
SHOULD ENSURE THAT THE STATEMENT DOES NOT
CONTAIN THE NAMES OR OTHER IDENTIFICATIONS OF
INDIVIDUAL BANK CUSTOMERS, REFERENCES TO THE
AMOUNTS REPORTED IN THE CONFIDENTIAL ITEMS
IDENTIFIED ABOVE, OR ANY OTHER INFORMATION THAT
THEY ARE NOT WILLING TO HAVE MADE PUBLIC OR THAT
WOULD COMPROMISE THE PRIVACY OF THEIR CUSTOMERS
Banks choosing not to make a statement may check the “No
comment” box below and should make no entries of any kind in
the space provided for the narrative statement; i.e., DO NOT enter
in this space such phrases as “No statement,” “Not applicable,”
“N/A,” “No comment,” and “None.”
The optional statement must be entered on this sheet. The statement should not exceed 100 words. Further, regardless of the
number of words, the statement must not exceed 750 characters, including punctuation, indentation, and standard spacing
between words and sentences. If any submission should exceed
750 characters, as defined, it will be truncated at 750 characters
with no notice 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 will be deleted from the
files, and from disclosure; the bank, at its option, may replace it
with a statement appropriate to the amended data.
The optional narrative statement will appear in agency records
and in release to the public exactly as submitted (or amended as
described in the preceding paragraph) by the management of
the bank (except for the truncation of statements exceeding the
750-character limit described above). THE STATEMENT WILL
NOT BE EDITED OR SCREENED IN ANY WAY BY THE
SUPERVISORY AGENCIES FOR ACCURACY OR RELEVANCE.
DISCLOSURE OF THE STATEMENT SHALL NOT SIGNIFY
THAT ANY FEDERAL SUPERVISORY AGENCY HAS VERIFIED
OR CONFIRMED THE ACCURACY OF THE INFORMATION
CONTAINED THEREIN. A STATEMENT TO THIS EFFECT WILL
APPEAR ON ANY PUBLIC RELEASE OF THE OPTIONAL
STATEMENT SUBMITTED BY THE MANAGEMENT OF THE
REPORTING BANK.
RCON Yes
No
Comments? .................................................................................................................................. 6979
BANK MANAGEMENT STATEMENT (please type or print clearly; 750 character limit):
(TEXT 6980)
06/2013
| File Type | application/pdf |
| File Title | Consolidated Reports of Condition and Income for a Bank with Domestic Offices Only—FFIEC 041 |
| Subject | Consolidated Reports of Condition and Income for a Bank with Domestic Offices Only (FFIEC 041) |
| Author | Federal Reserve Board |
| File Modified | 2019-02-14 |
| File Created | 2018-12-14 |