Reporting Instructions for Summary of Deposits

A1FST1050_EXCHANGE_09032008-083122.pdf

Summary of Deposits

Reporting Instructions for Summary of Deposits

OMB: 3064-0061

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2008 SUMMARY OF DEPOSITS (SOD) SURVEY

FORM 8020/05

i. INTRODUCTION.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 3
II. WHO MUST FILE .................................................. 3
III. HOW TO COMPLETE THE SURVEY .............................. . . .. 3

A. IF NO ADDITIONS or CHANGES TO OFFICE STRUCTURE . . . . . . . . . . . . . . . .. 4
B. IF OFFICE(S) ARE MISSING. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 5
1. De Novo (new) branches . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 5

2. Acquired Branches - P & A . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 6
3. Acquired Branches - merger, consolidation or absorption .............. 6

C. REMOVE OFFICES FROM SURVEY. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 7
1. Office closings ................................................ 7

2. Offices sold . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 7
3. Offices which are incorrectly reflected on the form .................... 7

D. REVISIONS AND CORRECTIONS .................................. 8

1. Office relocations ................................ . . . . . . . . . . . . .. 8

2. Office title changes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 8
E. CHANGE IN SERVICE LEVEL . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 9
F. CORRECTIONS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 9
G. COMMENTS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 9
H. AMENDED REPORTS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 10

iv. DEFINITIONS OF TERMS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . .. 10
A. FINANCIAL INSTITUTION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 10
B. BRANCH/OFFICE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 10
C. DEPOSITS ..................................................... 10

V. DEFINITIONS OF COLUMN CATEGORIES. . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 11
A. OFFICE NUMBER. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 11
B. CHANGE CODE ........................................ . . . . . . . .. 11

C. EFFECTIVE DATE. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 12
D. SERVICE TYPES. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 12
E. OFFICE NAME & PHYSICAL ADDRESS. . . . . . . . . . . . .. . . . . . .. . . . . . . . . . .. 13
F. CEN AND CONSOLIDATED OFFICE CODES. . . . . . . . . . . . . . . . . . . . . . . . . . .. 13
G. TOTAL DEPOSITS ...... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 14

VI. WHEN AND WHERE TO FILE COMPLETED REPORTS. . . . . . . . . . . . . . . . . .. 15
VII. FDIC INTERNET OPTION - http://www2.fdic.gov/sod . . . . . . . . . . . . . . . . . . . . .. 16
VII. ADDITIONAL POINTS TO BE NOTED. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 18
ix. DISCLOSURE OF ESTIMATED BURDEN . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 18
X. AVAILABILITY OF REPORTS ................................ . . . . . . . .. 18

XI. APPENDIX A - Change Codes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 19

An agency may not conduct or sponsor, and a person is not required to respond to, a collection of
information unless it displays a currently valid OMS Control number.

2008 SUMMARY OF DEPOSITS (SOD) SURVEY

i. INTRODUCTION
The Summary of Deposits (SOD) is the annual survey of branch office deposits for all FDIC-insured
institutions as of June 30. This survey has been conducted since 1934.

II. WHO MUST FILE
All FDIC-insured institutions that have a main office with one or more locations or facilities that are
extensions of the main office of the financial entity as of June 30 must file. These institutions include
all FDIC-insured commercial banks, FDIC-supervised savings banks and insured U.S. branches of

foreign banks.

III. HOW TO COMPLETE THE SURVEY
This survey lists the main offce and each branch location operating on June 30, 2008 that is included
in the FDIC database. You are required to complete the deposits assigned to each location for your
bank along with the associated CEN code and consolidated office number if applicable and submit the
you find an office missing or an office
report. Each office listed has an FDIC assigned office number. If
correction, carefully follow the instructions in this section on how to complete the Summary of Deposits
and the ADDITIONS/CHANGES TO OFFICE STRUCTURE.

Reporting differences in your banks organizational structure on this survey does not replace
your banks requirement to notify your primary federal regulator of consummation of approved

transactions.
Institutions should assign deposits to each office in a manner consistent with their existing internal
record-keeping practices. The following are examples of procedures for assigning deposits to offices:
. OFFICE IN CLOSEST PROXIMITY TO THE ACCOUNT HOLDER'S ADDRESS
. OFFICE WHERE THE DEPOSIT ACCOUNT IS MOST ACTIVE
. OFFICE OF ORIGINATION OF THE ACCOUNT
. OFFICE ASSIGNMENT USED TO COMPENSATE BRANCH MANAGERS OR OTHERS
Other methods that logically reflect the deposit gathering activity of the bank's branch offices may be
used. It is recognized that certain classes of deposits and deposits of certain types of customers may
be assigned to a single office for reasons of convenience or efficiency. However, deposit allocations
that diverge from the bank's internal record-keeping systems and grossly misstate or distort the deposit
gathering -activity of an office should not be utilized.

STEPS TO TAKE:
1. Review the list of branches for accuracy all year round and notify your primary federal regulator
of consummation of approved transactions such as branch openings, branch relocations,
branch purchase and assumptions and whole bank mergers. Also, notify your primary federal
regulator in a timely fashion of branch closures. You may review your current list of branches
at any time using the Institution Directory (10) - Find Offices at

http://www2.fdic.gov/idasp/main.asp.
2. Enter deposits for each branch (in thousands of dollars).

2008 SUMMARY OF DEPOSITS (SOD) SURVEY

3. Validate total branch deposits.

a. BANKS WITHOUT FOREIGN OFFICES: For banks that file the Consolidated Reports of
Condition and Income for a Bank with Domestic Offices Only (FFIEC 041), total branch
deposits reported on the Summary of Deposits survey must equal "Deposits in domestic
offices" reported in Schedule RC, item 13.a of the June 30, 2008, Call Report.

b. BANKS WITH FOREIGN OFFICES: For banks that file the Consolidated Reports of Condition
and Income for a Bank with Domestic and Foreign Offices (FFIEC 031), total branch deposits

reported on the Summary of Deposits survey must equal "Deposits in domestic offices"
reported in Schedule RC, item 13.a of the June 30, 2008, Call Report plus deposits in insured
branches in Puerto Rico and U.S. territories and possessions (which are no longer

separately

reported on the Call Report).
foreign banks that

c. INSURED BRANCHES OF FOREIGN BANKS: For insured branches of

file

the Report of Assets and Liabilities of U.S. Branches and Agencies of Foreign Banks (FFIEC
002), total branch deposits reported on the Summary of Deposits survey must equal "Total
deposits and credit balances, excluding IBF deposit liabilities" reported in Schedule E, item 7,
columns A and C of the June 30, 2008, Report of Assets and Liabilities.
Review your submission to insure it is complete and accurate by matching to the total deposits filed
in your Call Report or report of assets and liabilities as described above.

4. Transmit electronically using your vendor supplied softare or the on-line Internet fiing option.

A. IF NO ADDITIONS or CHANGES TO OFFICE STRUCTURE
Fill in the following fields, as applicable.

CEN Code - This code identifies if the branch deposit total is consolidated with another office, is
estimated or if the location is typically a non-deposit accepting office. Complete this field only if
applicable, by placing 1 for estimated deposits, 2 for deposits consolidated with a different location
(applicable for limited service locations only), or 3 for a non-deposit accepting location. If you are
reporting actual deposits for a location the CEN code is left blank.

Consolidated Offce - This code identifies the branch with which the reported branch's deposits are
consolidated with only if you have identified the location as a consolidated office by marking it with a

CEN code of 2. If you use the CEN code 2 (indicating an office's deposits are consolidated with
another office), please indicate the FDIC assigned office number of the office location where the
subject branch deposits are consolidated. The consolidated office should be in the same county

as the reported office. You can consolidate limited service offices into another office in the same
county. Leave the consolidated office field blank if the CEN code is blank, 1, or 3.

Total Deposits - List the applicable domestic deposit total in thousands for each branch.
Institutions should assign deposits to each office in a manner consistent with their existing internal
record-keeping practices. Refer to item 3 above under Steps to Take for balancing total

deposits by branch to the total deposits reported on the Call Report or the report of assets
and liabilities.
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2008 SUMMARY OF DEPOSITS (SOD) SURVEY

B. IF OFFICE(S) ARE MISSING
If an office is missing in error you should add the structural information so your SOD filing will not be

delayed.
1. De Novo (new) branches

(Also includes branch locations purchased from another financial institution where there was not an
underlying purchase of certain assets (Le. loans) and assumption of certain deposit liabilities). For
new branches complete the following columns as applicable.

Office Number - Add a temporary sequential office number beginning with 8000.
Change Code - Add change code 711 - New Branch (see Appendix A).
Effective Date - Add the date the new branch first opened for business in mmddccyy or for Internet

filers and ccyymmdd order for paper filers. Any office which opens after June 30, 2008 can not be
reported on this survey. Send notices of consummations of approved office openings to your
primary regulator as required.

Service Type - Please review the service type definitions of columns to determine the most
appropriate service level of the branch (full or limited) and type of facility. Place the most
appropriate code in the service type column. Refer to "Definitions of Terms".

Office Name and Complete Address - List the branch name on the first row; the street address
on the second row; the city, state abbreviation and zip code on the third row, as well as the FIPS

assigned numeric county code. You should refer to USPS Internet site
http://zip4.usps.com/zip4/welcome.jsp to validate the entire address before including address
information on the survey.

CEN Code - This code identifies if the branch deposit total is consolidated with another offce, is
estimated or if the location is typically a non-deposit accepting office. Complete this field only if
applicable, by placing 1 for estimated deposits, 2 for deposits consolidated with a different location
(applicable for limited service locations only), or 3 for a non-deposit accepting location. If you are
reporting actual deposits for a location the CEN code is left blank.

Consolidated Office - This code identifies the branch with which the reported branch's deposits
are consolidated with if you have identified the location as a consolidated office by marking it with a
CEN code of 2. If you use the CEN code 2 (indicating an office's deposits are consolidated with
another office), please indicate the FDIC assigned office number of the offce location where they
subject branches deposits are consolidated. The consolidated office should be in the same county
as the reported office. You can consolidate limited service offices into another office in the same
county. Leave blank if the CEN code is blank, 1, or 3.

2008 SUMMARY OF DEPOSITS (SOD) SURVEY

2. Acquired Branches - P & A

For branches added to your bank through purchase and assumption of a segment of an existing
bank, please complete the following columns:

Office Number - Add a temporary sequential number starting with 8000.
Change Code - Add Change Code 712 Branch Acquired through purchase and assumption of

deposits.
Effective Date - Add the date the location was acquired in mmddccyy for Internet filing and
ccyymmdd order for paper filing.

Offce Name, Complete Address and Institution Name, City state - List the branch name on
the first row; the street address on the second row; the city, state abbreviation and zip code on
the third row, as well as the FIPS assigned numeric county code. You should refer to USPS
Internet site http://zip4.usps.com/zip4/welcome.jsp to validate the entire address before

including address information on the survey. On the fourth row of this column, please add the
institution name, city and state of the institution from which your institution purchased the

branches.
CEN Code - This code identifies if the branch deposit total is consolidated with another office, is
estimated or if the location is typically a non-deposit accepting office. Complete this field only if
applicable, by placing 1 for estimated deposits, 2 for deposits consolidated with a different location
(applicable for limited service locations only), or 3 for a non-deposit accepting location. If you are
reporting actual deposits for a location the CEN code is left blank.

Consolidated Office - This code identifies the branch with which the reported branch's deposits
are consolidated with if you have identified the location as a consolidated office by marking it with a

CEN code of 2. If you use the CEN code 2 (indicating an office's deposits are consolidated with
the offce location where they
another office), please indicate the FDIC assigned office number of
subject branches deposits are consolidated. The consolidated office should be in the same county
as the reported office. You can consolidate limited service offices into another office in the same
county. Leave blank if the CEN code is blank, 1, or 3.

3. Acquired Branches - merger, consolidation or absorption
If your institution has recently acquired another institution and they are not reflected on your survey

form, please contact the FDIC and we will update your Summary of Deposits information. Once
your structural information is updated SOD Internet filing option will be updated by the next
business day. On or Prior to July 11th, 2008, you may ask your Summary of Deposits Vendor for
softare with updated branch information.

2008 SUMMARY OF DEPOSITS (SOD) SURVEY

C. REMOVE OFFICES FROM SURVEY
The following changes should be reported if a branch is listed that is no longer in existence:
1. Office closings

If one of the offices listed on your form has closed, please fill out the following columns:

Change Code. The code to indicate an offce closing is 721 - Branch Closure.
Effective Date. List the date the office effectively closed. For example, if

your office was open on

June 29, 2008 but as of the close of business that location was no longer an open offce, the
reported effective date of the closing is June 30, 2008. This date should be filed in mmddccyy

format for Internet filers. In this instance, for the purposes of this survey, the branch is closed on
June 30th and does NOT need to report deposits.
Do not report deposits for a closed branch. If deposit accounts are still associated with this office

on your ledger, you should report those deposits with the office that will be servicing those
customers. Any closings that occur after June 30, 2008 should be reported to your primary
regulator as required and not on this survey.
2. Offices sold

(Through the sale of certain assets and divestiture of certain deposit liabilities.)
Please complete the following columns:

Change Code. The code to indicate an office sold is 722.

Effective date. The effective date of the consummation of the sale.
DO NOT REPORT ANY DEPOSITS FOR THIS OFFICE(S).
Please indicate in the "Comments" section of Additions/Changes to Office Structure, the institution
name, city and state of the entity that purchased the office locations from your institution.

3. Offces which are incorrectly reflected on the form
If you find an office location on your list that has never been an office of your institution, this
location should be deleted from your list. Enter Change Code 998 in the appropriate column to
delete these offices.

2008 SUMMARY OF DEPOSITS (SOD) SURVEY

D. REVISIONS AND CORRECTIONS
WHAT TO DO IF ALREADY EXISTING OFFICE INFORMA TlON SHOULD BE REV/SED
OR CORRECTED:
1. Office relocations

If an office of your institution has relocated and the revised offce information is not on your survey,
indicate the relocation in the following columns:

Change Code - The change code to indicate an office relocation is 520.

Effective Date - The date which this change is effective.

Office Name and Complete Address* - Change any information that is incorrect and make the
necessary corrections on the form itself. The complete address should be visible when complete.

Consolidated Office - This code identifies the branch with which the reported branch's deposits
are consolidated with if you have identified the location as a consolidated office by marking it with a
CEN code of 2. If you use the CEN code 2 (indicating an office's deposits are consolidated with
another office). please indicate the FDIC assigned office number of the office location where they
subject branches deposits are consolidated. The consolidated office should be in the same county
as the reported office. You can consolidate limited service offices into another office in the same
county. Leave blank if the CEN code is blank, 1, or 3.

deposits by branch to the total deposits reported on the Call Report or the report of assets

and liabilties.
2. Office title changes
Often, when there is an office relocation, there is also a change in the office title. If you
simultaneously change the title and the address, make the necessary corrections on the form itself.

Change Code - The change code to indicate a title change is 510.

Effective Date - The date which this change is effective.

Office Name and Complete Address - Indicate the preferred office name. For locations other
than your main office, we add branch to the title. For example, if you have a Valley Spring office,
please refer to it as the Valley Spring Branch. The office number 0000 is always the Main Office of
the institution. It should reflect the physical address of the location of the charter of your institution.
The main office title will always default to Main Office. Please do not send in office name changes
for the Main Office.
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2008 SUMMARY OF DEPOSITS (SOD) SURVEY

you are

reporting actual deposits for a location the CEN code is left blank.

Consolidated Offce - This code identifies the branch with which the reported branch's deposits
are consolidated with if you have identified the location as a consolidated office by marking it with a
CEN code of 2. If you use the CEN code 2 (indicating an office's deposits are consolidated with
another offce), please indicate the FDIC assigned office number of the offce location where they
subject branches deposits are consolidated. The consolidated offce should be in the same county
as the reported office. You can consolidate limited service offices into another office in the same
county. Leave blank if the CEN code is blank, 1, or 3.

E. CHANGE IN SERVICE LEVEL
Please review the populated service type field that we have provided to determine that it accurately

reflects the service level of the location. Refer to the Service Type definitions on page 3 to determine
the meaning of each code. If a code is incorrectly assigned, please correct the code in the service
level field. If you find an office that should not be on the survey because the service level is incorrectly
identified, please code it correctly and report no deposits. The Change Code for change in service
level is 450.

Reminder: Offces with "Service Type" 24 through 28 are not included on the SOD survey. If you
believe one of these offices is coded wrong on the FDIC system and should be on this survey, please
telephone 1-800-688-3342, and select the Summary of Deposits option.

F. CORRECTIONS
If you find an error in the structure information of anyone of your offices that has resulted from
something other than the above reasons, please correct the information and use 999 in the change
code field to identify corrected locations. For example, use change code 999 if you see a transposition
of the street number, a misspelling of a street name, an incorrect county, an incorrect zip code, or if
your office has the same location but has been renumbered by the postal service. For this option you
are not required to use an effective date of the change. However, in the instance where there has
been an actual change in service level rather than just a correction, please use the effective date of the
change and change code 450 to indicate the difference between a correction and an actual change in
service leveL.

G. COMMENTS
Report any notes concerning a specific office that would clarify the changes you are making to the
Structure information. Please specify which office number the note is referencing. For offices sold
a Change Code 722, please indicate the institution name, city and state of the
which are indicated by
entity which purchased the office locations from your institution. Also include all office numbers which
are associated with this note. Any other change that requires explanation may also be placed in the
"Comments" section.
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2008 SUMMARY OF DEPOSITS (SOD) SURVEY

H. AMENDED REPORTS
If you need to amend your report after you have submitted please make a copy of your report
confirmation and cross out the erroneous information and provide the correct information. Once

you have done this you may fax us your revised report to (202) 898-6952 or (703) 465-4352. You
may also send notification of the revision to SOD((fdic.gov. Please be certain to include that this
is an amendment in the subject box and include the institution name, certificate number and the
office numbers of the office(s) that you are revising in addition to the revised information you are
providing to us.

iv. DEFINITIONS OF TERMS
A. FINANCIAL INSTITUTION
A financial institution, for the purpose of this survey, is an FDIC-insured institution which has a main
office with one or more locations or facilities that are extensions of the main offce of the financial
entity. These institutions include all FDIC-insured commercial banks, FDIC-supervised savings banks
and insured U.S. branches of foreign banks.

B. BRANCH/OFFICE
facility,
of a financial institution,
including its main office, where deposit accounts are opened, deposits are accepted, checks paid, and
loans granted. Some branches include, but are not limited to, brick and mortar locations, detached

Forthe Summary of Deposits (SOD), a branch/office is any location, or

drive-in facilities, seasonal offices, offices on military bases or government installations,
paying/receiving stations or units, and Internet and Phone Banking locations where a customer can

open accounts, make deposits and borrow money. A branch does not include Automated Teller
Machines (A TM), Consumer Credit Offices, Contractual
Offces, Customer Bank Communication
Terminals (CBCT), Electronic Fund Transfer Units (EFTU), and Loan Production Offices.
Summary of Deposits information is required for each insured offce located in any State, the District of
Columbia, the Commonwealth of Puerto Rico or any U.S. territory or possession such as Guam or the

U.S. Virgin Islands, and including any foreign country which has state equivalent federal benefits
extended by treaty of an FDIC insured commercial, industrial, cooperative bank or FDIC supervised
savings bank.

C. DEPOSITS
For Insured Banks and FDIC-Supervised Savings Banks, the definition of deposit is the same as in
the Consolidated Report of Condition. The definition relates to deposits held, or accepted, by the
reporting bank in its main office and in any branch located in any State, the District of Columbia, the
Commonwealth of Puerto Rico, or any U.S. territory or possession which include but are not limited to
Guam and the U.S. Virgin Islands. For a specific definition of total deposits refer to the instructions for

the Consolidated Report of Condition. The face of the SOD worksheet shows the equivalent Report of
Condition deposit liability items.

For Insured U.S. Branches of Foreign Banks, the definition of deposit is the same as in form FFIEC
002 Report of Assets and Liabilities. Refer to the Equivalent Report of Assets and Liability Item on the
face of the survey form.

2008 SUMMARY OF DEPOSITS (SOD) SURVEY

v. DEFINITIONS OF COLUMN CATEGORIES
A. OFFICE NUMBER
The office number is assigned by the FDIC. DO NOT CHANGE the FDIC office number as provided

with your location information. Check the offce information carefully to insure that the total deposits
being submitted for each branèh correspond to the FDIC's office numbering system rather than offce
numbering systems that may be utilized by an individual institution. For branch locations that are

missing, please add the office to the survey and assign a temporary sequential offce number
beginning with 8000 (e.g. if you have five branches to add, number them 8000, 8001,8002,8003 and

8004).

B. CHANGE CODE
When there is a change in the status of an offce or if you are adding an office to your institution list,
please indicate the change/addition by utilizing the appropriate change code. This field should be
populated only if you are adding additional offices or if you are changing current offce information. You
may use more than one change code per offce if applicable. For example, if an office name and
location has changed, please reflect change codes 510 and 520 in the change code column and reflect
the corrected information on the form itself.
You will find an expanded definition of each change code in Appendix A. The change codes available
for use are:

450 CHANGE IN SERVICE LEVEL
510 CHANGE IN TITLE

520 CHANGE IN LOCATION

711 OFFICE OPENING

712 OFFICE PURCHASED
713 OFFICE ACQUIRED IN AN ABSORPTION, CONSOLIDATION OR MERGER

721 OFFICE CLOSED
722 OFFICE SOLD

998 DELETION

999 CORRECTION

2008 SUMMARY OF DEPOSITS (SOD) SURVEY

C. EFFECTIVE DATE
Indicate the effective date of a change that requires submission of a Change Code. Paper filers should

submit the effective date in the following format (CCYYMMDD). For example, November 1, 2006
would be 20061101. Internet filers should report the date in the following format (MM/DD/CCYY). It is
not necessary to include an effective date for a correction (change code 999) or a deletion (change
code 998). Effective date is optional for a change in service level (change code 450).

D. SERVICE TYPES
The following types of offices should have deposits reported:

11 - Full Service. Brick and Mortar Office - Accept deposits, make loans, open/close accounts,
loan officer on site, normal hours, full-time staff; may have safe deposit facilities on site. The site
may be owned by the institution or may be leased by the institution.

12 - Full Service - Retail Offce - Accept deposits, make loans, open/close accounts, loan offcer
on site, normal hours, full-time staff, located in a retail facility such as a supermarket or department
store; may have safe deposit facilities on site.

13 - Full Service - Home Banking. Phone, PC or website through which your customers can
open accounts, apply for loans, make fund transfers into accounts and other types of electronic
transactions. If an Internet website, use the Internet address as the branch name. Use the city,
state, county and zip of your operations center that performs the back room operations associated
with this activity.

The following types of offces are normally included with your survey but deposits may be
consolidated with another office.

22 - Limited Service - Miltary Facility - Reflects an office which is operated on a military base for
the sole purpose of cashing military and government payroll checks.
23 . Limited Service - Drive-Through/Facilty Office - Accept deposits and payments; however,

may not offer other services. This may be branches own facility, located within a retail
establishment or a detached drive-through branch.

29 - Limited Service - Mobile/Seasonal Offce - Branches open for a limited period of time during
the week (e.g. located in a nursing home), seasonal (e.g. at a county fair) or that operate on

wheels, travel to many locations and provide services such as opening accounts, accepting
deposits and making loans. Mobile branches do not have a fixed location; therefore, they are
normally recorded with the address of the main office.

The following offces are included in your survey but normally are nondeposit.

21 - Limited Service - Administrative Office - Reflects a management office. Accepts no

deposits nor makes loans.

30 - Limited Service - Trust Office - Conducts trust activities only. This type of location may have
monies that are insured by the institution but have not been deposited into an account of an
insured depository institution.
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2008 SUMMARY OF DEPOSITS (SOD) SURVEY

The types of locations on the following page are not listed on the SOD survey and are not required

to file on the SOD survey. Please modify the service level column and add change code 450 to the
change code field if you should have any of the following types of offices listed on your survey with
the wrong service leveL.

The following offces are not included in your survey. If you should find one of these types of
offices in your survey it is because it is miscoded and you should request a change to the service
leveL.

24 - Limited Service - Loan Production Office - Processes loans and does not accept deposits.

25 - Limited Service - Consumer Credit Office - Processes consumer credit loans.
26 - Limited Service - Contractual Offce - Affiliated institutions= contract with one another to
utilize the brick and mortar branches of another entity.

27 - Limited Service - Messenger Office - These locations are used by courier services to make
deposit drops. There is no retail customer intervention.

28 - Limited Service - Retail Offce - These types offacilities are located in retail establishments,
or free standing kiosks that have limited customer service assistance (unstaffed), and provide most
services through an ATM.

E. OFFICE NAME & PHYSICAL ADDRESS
CiTY, COUNTY and STATE OF ACQUIRED OFFICE NUMBER
This column includes the Office Name, Physical Address, City, State, Zip and County. If any portion of

the address is incorrect, annotate corrections using the appropriate Change Code on page 2 of these
instructions. Institutions should review the physical address for all branch office locations to ensure

consistency with United States Postal Service standards. Physical addresses and zip codes may be

verified at http://zip4.usps.com/zip4/welcome.jsp. Institutions should not use post offce boxes, mailing
addresses other than the actual physical address, street names without actual numbers, intersections,
locations when filing their branch office location information.
or any other general

F. CEN AND CONSOLIDATED OFFICE CODES
ESTIMATION (CEN CODE 1)
When centralized bookkeeping or other conditions make it impossible to report exact figures, provide

estimates. Show estimated office totals by placing a "1" in the CEN CODE column. It is not
acceptable to perform estimation procedures that result in exactly the same deposit figure for each
office.

CONSOLIDATION (CEN CODE 2)
Consolidation of accounts, or deposit data, for two or more offices is permitted only for drive-in offices,
seasonal offices, military facilities, limited service mobile offices.

2008 SUMMARY OF DEPOSITS (SOD) SURVEY

Consolidating/combining deposits of offces located in different counties is NOT permitted.
For a consolidated office, place a "2" in the CEN CODE column and a "0" in each deposit column.

In the CONSOLIDATED OFFICE column put the FDIC office number of the office where the
deposits are consolidated. Lines where deposits are reported should not show a CEN CODE "2" or
CONSOLIDATED OFFICE number.

NONDEPOSIT OFFICE (CEN CODE 3)
For a nondeposit office, place a "3" in its CEN CODE column and a "0" in each column for deposit
amount. Trust service offices and administrative offices are examples of nondeposit offices.

G. TOTAL DEPOSITS
Report the Total Deposits in each branch as defined in your respective June 30, 2008 equivalent
Report of Condition items, or the equivalent Report of Assets and Liabilities items.
Condition and Income for a Bank with Domestic Offces
Only (FFIEC 041), total branch deposits reported on the Summary of Deposits survey must equal
"Deposits in domestic offices" reported in Schedule RC, item 13.a of the June 30, 2008, Call Report.
For banks that file the Consolidated Reports of

For banks that file the Consolidated Reports of Condition and Income for a Bank with Domestic and

Foreign Offces (FFIEC 031), total branch deposits reported on the Summary of Deposits survey must
equal "Deposits in domestic offices" reported in Schedule RC, item 13.a of the June 30, 2008, Call
Report plus deposits in insured branches in Puerto Rico and U.S. territories and possessions (which
are no longer separately reported on the Call Report).
For insured branches of foreign banks that file the Report of Assets and Liabilities of U.S. Branches
and Agencies of Foreign Banks (FFIEC 002), total branch deposits reported on the Summary of
Deposits survey must equal "Total deposits and credit balances, excluding IBF deposit liabilities"

reported in Schedule E, item 7, columns A and C of the June 30, 2008, Report of Assets and
Liabilities.

2008 SUMMARY OF DEPOSITS (SOD) SURVEY

Vi. WHEN AND WHERE TO FILE COMPLETED REPORTS
If filing electronically, please submit your SOD form through the established procedures provided by

your softare vendor or through the FDIC Internet option (see below) by July 30, 2008. If filing a
hardcopy, please forward the original of each SOD form as early as possible but no later than July 30,
2008 to:

FEDERAL DEPOSIT INSURANCE CORPORATION
DATA COLLECTION AND ANALYSIS SECTION
550 17th Street, N.W.

Rm. F- 5061
Washington, DC 20429

If you need assistance on the Summary of Deposits surveyor the additions/changes to offce
structure please telephone 1-800-688-3342, select option 2, and then follow the directions to select
the state of your main office. You may also send your request by email to SODßìfdic.qov .

2008 SUMMARY OF DEPOSITS (SOD) SURVEY

VII. FDIC INTERNET OPTION - http://ww2.fdic.gov/sod
The Summary of Deposits Internet option can be accessed through the SOD publication website at
www2.fdic.qov/sod. User Id and pin are the same as last year. If you have forgotten your user id
and/or pin, email sodcæfdic.qovto

request

your

user

and

"Summary of Deposits" link (see below):

Survey Form

2008 SOD FIL

Worksheet

Important: For offce information related to s"",ngs institutions regulated by the Offce of Thrift Supeo;is,on
LQIfuplease use the Sumniar:,.Q~p-Q,""Û,5~SQ.Q for the current and historical branch data The SOD is
the sole source of OTS branch information dereied from the annually collected Branch Offce Survey
Glæiior'-5-. S..PcJl1ior'-; & P,euets

The Summary of Desits (SOD) contains deposit data for more than 89,000 branches/offces of FDlCinsured institutions The Federal Deposit Insurance Corporation (FDIC) collects deposit balances for
commercial and savngs banks as of June 30 of each year, and the Ofce of Thrift Supervsion (OTS)
collects the same data for savngs institutions Data are collected annually Users can access data by (1)
smgle institution, (2) institutions within a geographic area, or (3) aggregated within a geographic area

pin.

From

the

SOD

website,

click

on the

2008 SUMMARY OF DEPOSITS (SOD) SURVEY

Once you arrive at the login screen, enter your User 10 and PIN. The user id and pin is the same as
assigned to you last year. If you have forgotten your user id and pin send an email to SODtWfdic.gov
to request it. A letter with the user id and pin will be mailed to the SOD preparer. The on-line help

includes instructions on how to complete the survey and how to navigate the Internet collection
facility.

Summary of Deposits
as of June 30, 2008
Welcome to the Summary of Depasits fOf 200S Please enter the User 10 and PIN speified on the SOD letter sent to your bank by FDIC and then click Submit II you need
addititmal assistance. click Contact Us on t""top right althe page FDIC users hav the option
completing
01
a SOD SUM'Y

rr-

User 10:

PIN:

Do you wish to complete a survey? rYes G No

System Requirements

2008 SUMMARY OF DEPOSITS (SOD) SURVEY

VIII. ADDITIONAL POINTS TO BE NOTED
a. Report all amounts to the nearest thousand dollars.

b. If you are fiing your SOD electronically through a vendor, you will be receiving additional softare

instructions to assist you in the on-line preparation of your SOD form. However, the instructions
prepared for all banks will need to be used in conjunction with any softare instructions you may

receive.
c. If you are not filing electronically, complete and return the Summary of Deposits worksheet. If
filing electronically, do not return any hardcopy; the signature page should be maintained at the
institution for regulatory review.

d. Do not report planned and unplanned overdrafts as negative deposits; they are loans.
e. Do not include hypothecated deposits.
f. Deposits of an International Banking Facility (IBF) are considered deposits in foreign offices. Do

not report them in the SOD survey.

IX. DISCLOSURE OF ESTIMATED BURDEN
The estimated average burden associated with collecting this information is 3.0 hours per respondent

and may vary from 15 minutes to 75 hours per respondent. Burden estimates include time for
reviewing instructions, searching existing data sources, gathering and maintaining needed data, and
completing and reviewing the report. Direct comments about this estimated burden, any other aspect
of collecting the information, or suggestions for reducing the burden to the Office of Information and
Regulatory Affairs, Office of Management and Budget, Washington, D.C. 20503 and to the Assistant
Executive Secretary, Federal Deposit Insurance Corporation (FDIC), Washington, D.C. 20429.

X. AVAILABILITY OF REPORTS
The 2008 Summary of Deposits information will be available in mid October 2008 for public
distribution. The information for all FDIC-insured institutions will be available on the Internet

(ww.fdic.gov). The site provides for search capability of branch deposits data geographically

and/or by individual institution, custom market share reports, custom downloads, summary tables
and charts and graphs.
NOTE - To be notified electronically of Summary of Deposits updates please sign up for our

Online Subscription Service at http://www.fdic.gov/abouUsubscriptions/index.html(see Bank Data
and Statistics - Summary of Deposits and Market Share Report).

2008 SUMMARY OF DEPOSITS (SOD) SURVEY

Xl. APPENDIX A - Change Codes
CHANGE CODE 450 . If you modify the service level on an already listed office, please identify this
change by applying code 450 in the change code field. Service level should identify the types of
services banks offer such as full service or limited service, and the description of a branch such as
brick and mortar, a retail facility (such as a supermarket or department store), drive through, mobile,
seasonal, contractual, messenger, or Internet.
CHANGE CODE 510 . If you wish to change the offce title of an existing branch, please identify this
change by applying Change Code 510. The main office title, however, defaults to "Main Office". An
attempt to change a main office title will not be accepted. If your institution title is incorrect, please
fax the appropriate documentation to the Data Collection and Analysis Section Staff at (202) 898-6952

or (703) 465-4352.
CHANGE CODE 520 . If your bank has received regulatory approval to relocate an already existing
office, please use code 520 to identify this type of change. If you are utilizing the SOD form as a
formal notification of change in main office location, you must attach a copy of your approval to

relocate your main office only. If you are correcting location information because of a typographical
error or reassignment of a physical address by the postal service, use change code 999.

CHANGE CODE 711 - If your bank has opened a de novo office either by new construction, leased
space or by purchasing already existing retail space, use this code to identify a newly established
office that is not preprinted on your SUMMARY OF DEPOSITS form. Do not use 711 for offices
purchased or acquired from another institution; these would be reflected as Change Code 712 or 713.
CHANGE CODE 712 .

If your institution has entered into a purchase and assumption agreement

with

another institution which does not result in the dissolution of the target institution, you should use
change code 712 to indicate that you acquired this location. This does not include new office(s) or
office(s) acquired through merger(s). If your institution has acquired a large number of offce locations
(more than five) through purchase and assumption, and the office(s) are not listed on your survey form,
please contact the FDIC so that we may reissue you a form with the acquired branches listed. Please
the divesting institution and
be prepared to provide the consummation date, the name, city and state of
the offces acquired.

CHANGE CODE 713 . If your institution has entered into a transaction where the target institution
ceases to exist, you should use change code 713 for offices not preprinted on your SOD form to
indicate that you acquired this location by business combination. Do not include new offices or
branches acquired through purchase of certain assets and assumption of certain deposit liabilities. If
your institution has entered into a business combination that results in a very large acquisition of office

locations which are not reflected in this list, please contact the FDIC so that we may reissue you a form
with the acquired branches. Please be prepared to provide the consummation date of the transaction
and the name, city and state of the home office of the target institution.
CHANGE CODE 721 . If your institution has decided to close certain branches that are still

listed on

the SUMMARY OF DEPOSITS form, please enter code 721 in the change code column. If you have
recently been involved in a merger or purchase and assumption transaction but not all of the target
institution's branch locations remain active, please use this code to inform us that these branches were
closed immediately or soon after consummation of the underlying transaction which caused the office
to be listed upon your form.

2008 SUMMARY OF DEPOSITS (SOD) SURVEY

CHANGE CODE 722 -If your institution has entered into a transaction in which it has divested itself of
certain assets and certain deposit liabilities, please use change code 722 to indicate the offices which

were sold as a result of this transaction. Indicate the name, city and state of the institution that
purchased an office(s) from your institution in the comments section ofthe ADDITIONS/CHANGES TO
OFFICE STRUCTURE form.

CHANGE CODE 998 - Please use this code to identify a location which is totally erroneous and never
should have been on your list.

CHANGE CODE 999 - Report changes in data that stem from an error such as a misspelling or

transposition of numbers. Also, include Postal Office street renumbering, county code errors or zip
code redesignations in this category.

Revised July 29, 2008
20

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