FFIEC 041 March 2009 -Consolidated Reports of Condition and Income

Consolidated Reports of Condition and Income (Call Report)

309x FFIEC 041 Draft 012709

Consolidated Reports of Condition and Income (Call Report)

OMB: 3064-0052

⚠️ Notice: This form may be outdated. More recent filings and information on OMB 3064-0052 can be found here:

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Soard of Governors of the Federal Reserve System
OMS Number: 7100-0036
Federal Deposit Insurance Corporation

OMS Number: 3064-0052

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

Federal Financial Institutions Examination Council

Expires May 31, 2009

Please refer to page ¡,

Table of Contents, for
the required disclosure
of estimated burden.

Consolidated Reports of Condition and Income for

A Bank With Domestic Offices Only-FFIEC 041

Mn.rc.h '31. LOOa )

Report at the close of business Deee..hef 31 2998
(29981231
ì (ui oaO :3 '3,
, (RCON
999)
This report is required by law: 12 U.S.C. §324 (State member banks);

12 U.S.C. §1817 (State nonmember banks); and 12 U.S.C. §161
(National banks).

This report form is to be filed by banks with domestic offices only.
Banks with foreign offices (as defined in the instructions) must file
FFIEC 031.

NOTE: Each bank's board of directors and senior management are
responsible for establishing and maintaining an effective system
of internal control, including controls over the Reports of Condition
and Income. The Reports of Condition and Income are to be prepared in accordance with Federal regulatory authority instructions.
The Reports of Condition and Income must be signed by the Chief
Financial Officer (CFO) of the reporting bank (or by the individual performing an equivalent function) and attested to by not less than two
directors (trustees) for State nonmember banks and three directors
for State member and National banks.

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.

I, the undersigned CFO (or equivalent) of the named bank, attest that
the Reports of Condition and Income (including the supporting sched-

Director (Trustee)

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

Director (Trustee)

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

Director (Trustee)

Signature of Chief Financial Ofcer (or Equivalent)
Date of Signature

Submission of Reports
Each bank must file its Reports of Condition and Income (Call Report)
data by either:

To fulfill the signature and attestation requirement for the Reports
of Condition and Income for this report date, attach your bank's

(a) Using computer softare to prepare its Call Report and then

completed signature page (or a photocopy or a computer-

submitting the report data directly to the FFIEC's Central Data
Repository (CDR), an Internet-based system for data collection
(https:l/cdr.ffec.gov/cdr/), or

(b) Completing its Call Report in paper form and arranging with a

softare vendor or another party to convert the data into the elec-

tronic format that can be processed by the CDR The softare

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.

vendor or other party then must electronically submit the bank's
data fie to the CDR
For technical assistance with submissions to the CDR, please contact
the CDR Help Desk by telephone at (888) CDR-3111, by fax at (703)
774-3946, or bye-mail at CDRHelp(gffiec.gov.

Legal litle of Sank (RSSO 9017)

City (RSSD 9130)

FDIC Certificate Number

I i I I

State Abbrev. (RSSD 9200)

ZiP Code (RSSD 9220)

(RSSD9050)

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

FFIEC 041

Pagei

Consolidated Reports of Condition and Income for
A Bank With Domestic Offces Only

Table of Contents

Signature Page Cover
Contact Information.......... ............................... .......... ii, iii

Report of Income
Schedule RI-Income Statement .........................RI-1, 2, 3
&",,,k

Schedule RI-A-Changes i~Equity Capital.................RI-4
Schedule RI-B-Charge-offs and Recoveries on

Loans and Leases and Changes in Allowance
for Loan and Lease Losses..............................RI-4, 5, 6

Schedule RI-E-Explanations .................................RI- 7,8

Schedule RC-C-Loans and Lease Financing

Receivables:
Part i. Loans and Leases ......................... RC-7, 8, 9, 10
Part II. Loans to Small Businesses and
Small Farms (to be completed for the
June report only) ........................................ RC-1Oa, 10b
Schedule RC-D- Trading Assets and Liabilities
(to be completed only by selected
banks) ...................................................... RC-11, 12, 13

Schedule RC-E-Deposit Liabilties ................... RC-14, 15

Schedule RC-F-Other Assets................................. RC-16
Schedule RC-G-Other Liabilities............... ............. RC-16

Report of Condition

Schedule RC-K-Quarterly Averages ...................... RC-17

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

Schedule RC-L-Derivatives and
Off-Balance Sheet Items ................................ RC-18, 19
Schedule RC-M-Memoranda ........................... RC-20, 21
Schedule RC-N-Past Due and Nonaccrual

Loans, Leases, and Other Assets ...... RC-22, 23, 24, 25

Schedule RC-O-Other Data for Deposit
Insurance and FICO Assessments................. RC-25, 26

Schedule RC-P-1-4 Family Residential
Disclosure of Estimated Burden
IoU.2.

(,0

The estimated average burden associated with this informatiFliection is
~ hours per respondent and is estimated to vary from 16 to hours per

response, depending on individual circumstances. Burden estim es include the
time for reviewing instructions, gathering and maintaining data in the required form,
and oompleting the information oollection, but exclude the time for oompiling and
maintaining business reoords in the normal oourse of a respondent's activities. A
Federal agency may not oonduct or sponsor, and an organization (or a person) is not
required to respond to a oollection of information, unless it displays a currently valid
OMB oontrol number. Comments ooncerning the accuracy of this burden estimate
and suggestions for reducing this burden should be directed to the Offce of Informa-

tion and Regulatory Affairs, Offce of Management and Budget. Washington, D.C.

Mortgage Banking Activities (to be completed
only by selected banks)........................................ RC-27

Schedule RC-Q-Financial Assets and
Liabilities Measured at Fair Value (to
be completed only by selected banks) ................. RC-28

Schedule RC-R-Regulatory Capital..... RC-29, 30, 31,32
Schedule RC-S-Servicing, Securitization,
and Asset Sale Activities................. ......... RC-33, 34, 35

20503, and to one of the following:

Schedule RC- T -Fiduciary and

Secretary
Board of Governors of the Federal Reserve System

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

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

Related Services ...................................... RC-36, 37, 38

Optional Narrative Statement Concerning
the Amounts Reported in the Reports

of Condition and Income..... ................... .............. RC-39

Assistant Executive Secretary
Federal Deposit Insurance Corporation

Washington. D.C. 20429

For information or assistance. National and State nonmember banks should contact the FDIC's Data Collection and Analysis Section,
550 17th Street, NW, Washington, D.C. 20429, toll free on (800) 688-FDIC(3342), Monday through Friday between 8:00 a.m. and
5:00 p.m., Eastern time. State member banks should contact their Federal Reserve District Bank.

FFIEC 041

Pageii

Contact Information for the Reports of Condition and Income

To facilitate communication between the Agencies and the bank concerning the Report of Condition and Income, please provide contact information for
(1) the Chief Financial Offcer (or equivalent) of the bank signing the report for this quarter and (2) the person at the bank-other than the Chief Financial Ofcer (or equivalent)- to whom questions about the report should be directed. If the Chief Financial Offcer (or equivalent) is the primary contact
for questions about the report, please provide contact information for another person at the bank who wil serve as a secondary contact for communications between the Agencies and the bank concerning the Report of Condition and Income. Enter "none" for the contact's e-mail address or fax number
if not available. Contact information for the Report of Condition and Income is for the confidential use of the Agencies and wil not be released to the
public.

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

Name (TEXT C495)

litle (TEXT C491)

Title (TEXT C496)

E-mail Address (TXT C492)

E-mail Address (TEXT 408)

Telephone: Area coe/phone number/extension (TXT C493)

Telephone: Area coe/phone number/extension (TXT 89)

FAX: Area coe/phone number (TXT C494)

FAX: Area coe/phone number (TXT9116)

Emergency Contact Information
This information is being requested so the Agencies can distribute critical, time sensitive information to emergency contacts at banks. Please provide
primary contact information for a senior offcial of the bank who has decision-making authority. Also provide information for a
secondary contact if available. Enter "none" for the contact's e-mail address or fax number if not available. Emergency contact information is for
the confidential use of the Agencies and wil not be released to the public.

Primary Contact Secondary Contact
Name (TXT C36)

Name (TXTC371)

litle (TEXT C367)

litle (TXT C372)

E-mail Address (TXT C3)

E-mail Address (TXT C373)

Telephone: Area coe/phone number/extension (TEXT C369)

Telephone: Area coe/phone number/extension (TXT C374)

FAX: Area coe/phone number (TXT C370)

FAX: Area coe/phone number (TXTC375)

FFIEC 041

Page iii

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

,~ he;nn reouested to identify points-of-contact who are in charge of your depository institution's Section 31

could be contacted by federal

law e

for additional information related to anti-

....0

'" ,~, ,~, ,g and anti-money laundering. Please

~ provide information for a secondary contact if available. Informa . contact may be provided at the bank's option. Enter "none"
for the contact's e-mail address or fax - '- . . ., .aiiable. USA PATRIOT Act contact informauuii . r'ential use of the Agencies and
~".~,cement Network (FinCEN) and wil not be released to the public.

the Fina

Primary Contact

Secondary Contact

Name (TEXT C437)

Name (TXT C42)

litle (TXT C438)

litle (TXT C43)

E-mail Address (TEXT C439)

E-mail Address (TEXT C44)

Telephone: Area coe/phone number/extension (TXT C40)

Telephone: Area coe/phone number/extension (TXT C45)

~AX' °r98 &&"ØlPROAO A'I'lber p;)(Q111)

PH€. "ica wclolp'ioilO i.bii,bci (iex: 048"

Third Contact

Fourth Contact

Name (TEXT C870)

Name (T C875)

litle (TXT C87l)

litle (TXT C878)

E-mail Address (TXT C872)

E-mail Address (TEXT C871

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

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

fI. Aied axeiplioli6 ¡¡umbOI (Il!XrasI4)

FiI(. Aiea wdolpl

10'

IG ¡IUI"bcl (LUI CUI')

This information is being requested to identify points-of-contact who are in charge of your bank's
USA PATRIOT Act Section 314(a) information requests. Bank personnel
listed could be contacted
by law enforcement offcers or the Financial Crimes Enforcement Network (FinCEN) for additional
information related to specific Section 314(a) search requests or other anti-terrorist financing and

anti-money laundering matters. Communications sent by FinCEN to the bank for purposes other than
Section 314(a) notifications wil state the intended purpose and should be directed to the appropriate
bank personnel for review. Any 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

\. wil not be released to the public.

FFIEC 04'

Page RI-'

Consolidated Report of Income

for the period January 1, 2008 September JO, 2008 2~oq- Ml\rc.h 3/, lo09

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

Schedule RI-Income Statement
Dollar Amounts in Thousands

1. Interest income:
a. Interest and fee income on loans:

(1) Loans secured by real estate:
(a) Loans secured by 1-4 family residential properties..................................................
(b) All other loans secured by real estate............. ....................................... .....................
loans.............................................
...............................................
(2) Commercial and industrial
(3) Loans to individuals for household, family, and other personal expenditures:
(a) Credit cards .....................................................,..............................................................,.
(b) Other (includes single payment. installment. all student loans, and revolving credit
plans other than credit cards) ................................................................ .......................... B486
(4) Loans to foreign governments and official institutions ........................................................... 4056

(5) All other loans'.,..................................................................................................................... 4058
(6) Total interest and fee income on loans (sum of items 1.a.(1)(a) through 1.a.(5)) .................. 4010
b. Income from lease financing receivables .............. ................... ............................... ..................... 4065
c. Interest income on balances due from depository institutions2 .................................................... 4115
d. Interest and dividend income on securities:
(1) U.S. Treasury securities and U.S. Government agency obligations (excluding
mortgage-backed securities)............................,.....................................................................

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

1.a.(1)(a)
1.a.(1 )(b)

1.a.(2)

1.a.(3)(a)
1.a.(3)(b)
1.a.(4)
1.a.(5)
1.a.(6)
1.b.
1.c.

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

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

U.S.) ...,........................................,.................................................,........................................ 4060
e. Interest income from trading assets ................................... .......................................................... 4069
f. Interest income on federal funds sold and securities purchased under agreements to resell ..... 4020
g. Other interest income................................................................................,.................................. 4518
h. Total interest income (sum of items 1.a.(6) through 1.g) .............................................................. 4107
2. Interest expense:

1.d.(3)
1.e.

1..
1.g.
1.h.

a. Interest on deposits:

(1) Transaction accounts (NOW accounts, ATS accounts. and telephone and preauthorized
transfer accounts) ..................................................................................................................

2.a.(1)

(2) Nontransaction accounts:

(a) Savings deposits (includes MMDAs) ,............................................................................ 0093
(b) Time deposits of $100,000 or more................................................................................. A517
(c) Time deposits of less than $100,000.........................,..................................................... A518
b. Expense of federal funds purchased and securities sold under agreements to repurchase........ 4180

c, Interest on trading liabilities and other borrowed money.............................................................. 4185

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

1 Includes interest and fee income on "Loans to depository institutions and 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 "Other loans."
2 Includes interest income on time certificates of deposit not held for trading.

FFIEC 04'
Page RI-2

Schedule RI-Continued
Dollar Amounts in Thousands

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

3.
4.

5. Noninterest income:

a. Income from fiduciary activities'.............................................................

b. Service charges on deposit accounts.....................................................
c. Trading revenue2...........................................................................,........
d. (1) Fees and commissions from securities brokerage...........................

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

(2) Investment banking, advisory, and underwriting fees and

commissions.... ................................................................................ C888
(3) Fees and commissions from annuity sales...................................... C887
(4) Underwriting income from insurance and reinsurance activities...... C386
(5) Income from other insurance activities............................................ C387
e. Venture capital revenue.......................... ................... ... ..................... ..... B491

5.d.(2)
5.d.(3)
5.d.(4)
5.d.(5)
5.e.

f. Net servicing fees................................................................................... B492
g. Net securitization income. ......................... ............................ ........ ......... B493

5.g.

5.f.

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 assets (excluding securities).........

i. Other noninterest income' ...... ................ ............ ........................... .........
m. Total noninterest income (sum of items 5.a through 5.1).........................
6. a. Realized gains (losses) on held-to-maturity securities...........................
b. Realized gains (losses) on available-for-sale securities.........................

5.m.
6.a.
6.b.

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) .....................
8. Income (loss) before income taxes and extraordinary items and other

7.e.

adjustments (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e).............
9. Applicable income taxes (on item 8) ...........................................................

8.
9.

10. Income (loss) before extraordinary items and other adjustments
(item 8 minus item 9)...................................................................................
11. Extraordinary items and other adjustments, net of income taxes' ..............

..............t...............................

r¿tfl~(~ \AitJ 1~~6tlT A

. Describe on Schedule RI-E-Explanations
, For banks required to complete Schedule RC-T, items 12 through 19, income from fiduciary activities reported in Schedule RI, item 5.a, must
equal the amount reported in Schedule RC-T, item 19,
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 a.e.

10.
11.

INSERT A - FFIEC 041
12. Net income (loss) attributable to bank and noncontrollng
(minority) interests (sum of items 10 and 11) .................. ...... .....
13. LESS: Net income (loss) attributable to noncontrollng
(minority) interests (if net income, report as a positive value; if
net loss, report as a negative value) ..........................................
14. Net income (loss) attributable to bank (item 12 minus item 13)

Schedule RI-Continued
Me Wtora",ci Wft iff"" 2Ii 13,11,'01, or nt.;r~ ,'11

FFIEC 041

Page RI-3

IS h be. û,..l.1d.d "y ba.nk.s wirl,

Year-to-date

f-fr1 as ut-s. Dollar Amounts in Thousands

1. Interest expense incurred to carry tax-exempt securities, loans, and leases acquired after
August 7, 1986, that is not deductible for federal income tax purposes............................................
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.

M.1.
M.2.
M.3.

MA.

(included in Schedule RI, item 1.d.(3)) ......... ............... ...................................... .................................
5. Number of full-time equivalent employees at end of current period (round to nearest whole

number).......,........,.............................,............................................,..................................................

M.5.

Memorandum item 6 is to be completed by:1
banks with $300 millon or more in total assets, and
banks with less than $300 millon in total assets that have loans to finance agricultural
production and other loans to farmers (Schedule RC-C, part i, item 3) exceeding
five percent of total

loans.

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 bank has restated its balance sheet as a result of applying push down RIAD

4024
CC

M.6.

accounting this calendar year, report the date of the bank's acquisition2 ................................ 9106

M.7.

8. Trading revenue (from cash instruments and derivative instruments) (sum of
Memorandum items 8.a through 8.e must equal Schedule RI, item 5.c) (To be completed by

banks that reported average trading assets (Schedule RC-K, item 7) of $2 millon or more
RIAD

for any quarter of the preceding calendar year.):

Bil

8757
b. Foreign exchange exposures................................................,....................................................... 8758
8759
c. Equity security and index exposures.............,............................,..................................................
8760
d. Commodity and other exposures ..................................................,...............................................
F186

a. Interest rate exposures....................................................,.,...........................................................

e. Credit exposures ..,....,.."....................................,...................,......................................................
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...............................

Mil

Thou

M.8.a.
M.8.b.
M.B.c.

M.8.d.
M.8.e.

M.9.a.
M.9.b.

10. To be completed by banks with $300 millon or more in total assets:1
Credit losses on derivatives (see instructions)........................ ................................................ ...........

M.10.

11. Does the reporting bank have a Subchapter S election in effect for federal income tax purposes
for the current tax year? .....................................................................................................................

M.11.

Memorandum item 12 is to be completed by banks that are required to complete Schedule RC-C,
part i, Memorandum items B.b and B.c.
12. Noncash income from negative amortization on closed-end loans secured by 1-4 family

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

M.12,

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

M.13.a.

b. Net gains (losses) on liabilities..................................................................................................

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

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

M.13.b.(1)

1 The asset size llsts and the five percent of total

loans test are generally based on the total assets and total

June 30, 2001, Report of Condition.
2 For example, a bank acquired on March 1, 2008, would report 20080301.

loans reported on the

I1ftft k

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

FFIEC 041

Page RI-4

D liar Amounts in Thousands

RIAD

Bil

Mil

Thou

1. Total equity capital most recently reported for the December 31,200 , Reports of Condition
and tncome (i.e., after adjustments from amended Reports of Income) ............... ......... ...... ...... ........
2. Restatements due to corrections of material accounting errors and changes in accounting

principles............................................................................................................,...,...........................

3. Balance end of previous calendar year as restated (sum of items 1 and 2) .................... ..................

4. Net income (IOSSWmust equal Schedule RI, item i'.I!l.)................~HD:~~.t4.~..-:...bl'.k.........

5. Sale, conversion, acquisition, or retirement of capital stock, net (excluding treasury stock

transactions)....................................................................................................................................... 8509
6. Treasury stock transactions, net ........".............................................................................................. 8510
7. Changes incident to business combinations. net.............................................................................. 4356

8. LESS: Cash dividends declared on preferred stock........................................................................... 4470
9. LESS: Cash dividends declared on common stock ........................................................................... 4460
10. Other comprehensive income1...............................................................................,........,.................. 8511
11. Other transactions with parent holding company. (not included in items 5, 6, 8, or 9 above) ........... 4415
2. Tota equity capital end of current period (sum of items 3 through 11) (must equal Schedule RC,
item~.,i~:,l!)..........................,.......................................................................................................
barll(

5.
6.
7.
8.
9.
10.
11.

12.

'Describe on Schedule RI-E-Explanations.

1 Includes changes in net unrealized holding gains (losses) on available-for-sale securities, changes in accumulated net gains (losses) on cash

flow hedges, and pension and other postretirement plan-related changes other than net periodic benefit cost.

Schedule RI-B-Charge-offs and Recoveries on Loans and Leases

and Changes in Allowance for Loan and Lease Losses
Part I. Charge-offs and Recoveries on Loans and Leases
Part I includes charge-offs and recoveries through
the allocated transfer risk reserve. Dollar Amounts in Thousands

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

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

1.a.(1 )

land loans........................................................................................ C893

1.a.(2)
1.b.

b. Secured by farmland................................................................................ 3584
c. Secured by 1-4 family residential properties:
(1) Revolving, open-end loans secured by 1-4 family residential
properties and extended under lines of credit........................... ........
(2) Closed-end loans secured by 1-4 family residential properties:
(a) Secured by first liens.............. .................................................... C234
(b) Secured by junior liens ......................... .............................. ........ C235
d. Secured by multifamily (5 or more) residential properties ....................... 3588
e. Secured by nonfarm nonresidential properties:

1.c.(1 )

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

(1) Loans secured by owner-occupied nonfarm nonresidential
1.e.(1)
1.e.(2)

properties ........................................................................................ C895

(2) Loans secured by other nonfarm nonresidential properties...... C897
2. Loans to depository institutions and acceptances of other banks................ 4481

3. Not applicable
4. Commercial and industrial

loans ... .................... ................ .......... ......... ........

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

expenditures:
5.a.

a. Credit cards ............................................................................................. 8514

b, Other (includes single payment, installment. all student loans,
and revolving credit plans other than credit cards).................................. 8516
6. Loans to foreign governments and official institutions ..... ............................ 4643

7. All other loans2............................................................................................. 4644
8. Lease financing receivables......................................................................... 4266

9. Total (sum of items 1 through 8)................................................................... 4635

B517
4627

4628
4267
4605

1 Include write-downs arising from transfers of loans to a held-for-sale account.
2 Includes charge-offs and recoveries on "Loans to finance agricultural production and other loans to farmers," "Obligations (other than
securities and leases) of states and political subdivisions in the U.S.,.. and "Other loans."

5.b.
6.
7.
8.
9.

FFIEC 041

Page RI-5

Schedule RI-B-Continued
Part I. Continued
Memoranda

Dollar Amounts in Thousands

1. Loans to finance commercial real estate, construction, and land
development activities (not secured by real estate) included in
Schedule RI-B, part I, items 4 and 7, above ................................................
2. 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. Loans to and acceptances of foreign banks (included in Schedule
RI-B, part i, item 2, above) ............... .......................................................
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) .............
3. Memorandum item 3 is to be completed by:2
. banks with $300 million or more in total assets, and
. banks with less than $300 million in total assets that have loans to
finance agricultural production and other loans to farmers
(Schedule RC-C, part i, item 3) exceeding five percent of total

M.1.

M.2.a.
M.2.b.

M.2.c.
M.2.d.

loans:

Loans to finance agricultural production and other loans to farmers

(included in Schedule RI-B, part i, item 7, above.........................................

M.3.

Memorandum item 4 is to be completed by banks that (1) together with affliated institutions, have
outstanding credit card receivables (as defined in the instructions) that exceed $500 million as of
the
report date or (2) are credit card specialty banks as defned for Uniform Bank Penormance Report

Calendar, ear-to-date

purposes.
4. Uncollectible retail credit card fees and finance charges reversed against income (i.e., not
included in charge-offs against the allowance for loan and lease losses) .................. ......................

RIAO I Bil Mil I Thou

C3881 I

1 Include write-downs arising from transfers of loans to a held-for-sale account.
2 The $300 millon asset size test and the five percent of total

on the June 30, 2ool. Repo of Condition,

loans test are generally based on the total assets and total

loans reported

MA.

FFIEC 041

Page RI.6

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, 2001, 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) .... ..........................................................................

1.
2.
3.

4.
5.

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) ......... .......................... ............................. ........ ..........................

Memoranda

Dollar Amounts in Thousands

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

M.1.

M.2.
M.3.

Memorandum item 4 is to be completed by all banks.
4. Amount of allowance for post-acquisition losses on purchased impaired loans accounted for in
accordance with AICPA Statement of Position 03-3 (included in Schedule RI-B, part II, item 7,

above) ................................................................................................................................................
. Describe on Schedule RI-E-Explanations.

M.4.

FFIEC 041

Page RI-7

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

significant items of other non

Year-to-date

Dollar Amounts in Thousands iilAD Bil Mil Thou
1. Other non

interest income (from Schedule RI, item 5.1)

Itemize and describe amounts greater than $25,00 that exceed 3% of Schedule RI, item 5.1:

a. Income and fees from the printing and sale of checks C013

1.a.

b. Earnings onlincrease in value of cash surrender value of life insurance C014

l.b.

c. Income and fees from automated teller machines (AlMs) C016

1.c.
1.d,

e. Safe deposit box rent C015
d. Rent and other income from other real estate owned 4042

h.
~m
4461
i.
4462
j. ~~~J 4463

1.e.

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

g. Bank card and credit card interchanae fees F555

1.g.
1.h.
1.i.
1.j.

2. Other noninterest expense (from Schedule RI, item 7.d)

Itemize and describe amounts greater than $25,00 that exceed 3% of Schedule RI, item 7.d:

con

a. Data processing expenses

2.a.
2.b.
2.c.

0497
4136
C018
8403
4141
4146
F556
F557
F558
F559
4464
4467
4468

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

~. ~T~~~communications expenses
m. TEXT
n. ~~~:

2.d,

2.e.
2.1.

2.g.

2.h.
2.i.

2J.
2.k.
2.1.

2.m.
2.n.

3. Extraordinary items and other adjustments and applicable income tax effect (from Schedule RI,
item 11J (itemize and describe all extraordinary items and other adjustments):

a. (1) rm

4469
4486

~~'f.:'W.';

1::,."'.:: .'

4487

b. ~~~ ~abie income tax effect............................................................!

4489

c. ~~~ ñmabie income tax effect.............................................................!44881
(2) Applicable income tax effect.............................................................J 4491 I

::" '.:'.'

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

FFIEC 041

Page RI-8

Schedule RI-E-Continued

\.~

Dollar Amounts in Thousands

4. Restatements due to corrections of material accounting errors and changes in accounting
principles (from Schedule RI-A, item 2) (itemize and describe all restatements):

a.
b. TEXj

4.a.
4.b.

5. Other transactions with parent holding company (from Schedule RI-A, item 11)
(itemize and describe all such transactions):
a. 44
b. tiXT
TEXT.

5.a.
5.b.

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

a.
b. tEXT
TEXT

6.a.
6.b.

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

comments?.......................................................................................................................................
Other explanations (please type or print clearly):
(TEXT 4769)

FFIEC 041
Page RC-1

Consolidated Report of Condition for Insured Commercial

and State-Chartered Savings Banks for ~t=leffber 60, 2008 M~rch 31) 2.öoq
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 .................................................................

1.a.
1.b.

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) .......... .................... .......................

2.a.
2.b.

3. Federal funds sold and securities purchased under agreements to resell:
a. Federal funds sold.........................................................................................................................
b. Securities purchased under agreements to resell3 ........................................................ ...............
4. Loans and lease financing receivables (from Schedule RC-C):
a. Loans and leases held for sale......................................................................................................
b. Loans and leases, net of unearned income ...... ...................................... 6528

3.a.
3.b.

4.a.
4.b.

c. LESS: Allowance for loan and lease losses ............................................ 3123
d. Loans and leases, net of unearned income and allowance (item 4.b minus 4.c)..........................
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 (from Schedule RC-M) ......

4.C.

6529
3545
2145
2150
2130

4.d.

3163
0426
2160
2170

10.a.
10.b.

5.
6.
7.
8.

9. Not applicable
10. Intangible assets:

a. Goodwil..............................,........,.................................................................................................
b. Other intangible assets (from Schedule RC-M).............................................................................
11. Other assets (from Schedule RC-F)...................................................................................................
12. Total assets (sum of items 1 through 11) ...........................................................................................

i Includes cash items in process of collection and un

posted debits.

2 Includes time certificates of deposit not held for trading.

3 Includes all securities resale agreements, regardless of maturity.

11.

12.

FFIEC 041

Page RC-2

Schedule RC-Continued

LIABILITIES
13, Deposits:

a. In domestic offces (sum of totals of columns A and C from Schedule R -

(1) Noninterest-bearing1........,..,...........................,.................................
(2) Interest-bearing .................................................... .............................
b. Not applicable

14. Federal funds purchased and securities sold under agreements to repurchase:
a. Federal funds purchased2 .......................... ................ ................................................. ..................
b. Securities sold under agreements to repurchase3 ................................................................... .....
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 debentures4 .,......,..,.......,..........................,............",..................................

20. Other liabilities (from Schedule RC-G)...... ...................... ...................................................... .............
21. Total
liabilities (sum of items 13 throu h 20 ................... ............................. .....................
inon y in erest in consolidated subsidiaries.....................................................................................
EQUITY CAPITAL

23. Perpetual preferred stock and re a Ius ............................................................
24. Common stock .........................................................
25. Surplus (exclude all surplus related to preferred stock)....
26. a. Retained earnings .....................................

b. Accumulated other comprehe' comes.......................... ............................... .........
27. Other equity capital co ents6 ..............................,.......................................................................
28. Total equit . a (sum of items 23 through 27). ............................................................ .................. 3210
29. iabilities, minority interest, and equity capital (sum of items 21,22, and 28)............................ 3300

~ i(~piQcit W1"H. /N'1 E(l T ß
Memorandum

To be reported with the March Report of Condition.
1. Indicate in the box at the right the number of the statement below that best describes the

most comprehensive level of auditing work penormed for the bank by independent external RCON
auditors as of any date during 20~.r........................ ...................... ....... ..................................................... 6724

2 =

M.1.

Independent audit of the bank conducted in accordance with 4 =

Directors' examination of the bank conducted in accordance with

generally accepted auditing standards by a certified public
accounting firm which submits a report on the bank

generally accepted auditing standards by a certified public

Independent audit of the bank's parent holding company con- 5 =

accounting firm (may be required by state chartering authority)
Directors' examination of the bank performed by other external

auditors (may be required by state chartering authority)
ducted in accordance with generally accepted auditing standards
by a certified public accounting firm which submits a report on the con- 6 = Review of the bank's financial statements by external auditors
solidated holding company (but not on the bank separately) 7 = Compilation of the bank's financial statements by external
3 =

Attestation on bank management's assertion on the effectiveness of the

auditors

bank's internal control over financial reporting by a 8 =

Other audit procedures (excluding tax preparation work)
No external audit work

certified public accounting firm 9 =
IN StitT C1 Includes total demand deposits and non

interest-bearing time and savings deposits.

2 Report overnight Federal Home Loan Bank advances in Schedule RC, item 16, "Other borrowed money."
3 Includes all securities repurchase agreements, regardless of maturity,
4 Includes limited-life preferred stock and related surplus.
5 Includes net unrealized holding gains (losses) on available-for-sale securities, accumulated net gains (losses) on cash flow hedges, and minimum

pension liabilty adjustments.
6 Includes treasury stock and unearned Employee Stock Ownership Plan shares.

INSERT B - FFIEC 041
22. Not applicable

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

24. Common stock

25. Surplus (excludes all surplus related to preferred stock)
26. a. Retained earnings
b. Accumulated other comprehensive income
c. Other equity capital components
27. a. Total bank equity capital (sum of items 23 through 26.c)

b. Noncontrollng (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)

3838
3230
3839
3632
B530
A130
3210
3000
G105
3300

INSERT C - FFIEC 041

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

I:NIMMIDDI

FFIEC 041

Page RC-3

Schedule RC-Ä-Cash and Balances Due From Depository Institutions
Schedule RC.A is to be completed only by banks with $300 milion or more
in total assets. Exclude assets held for trading.
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.:
a. U.S. branches and agencies of foreign banks...............................................................................
b. Other commercial banks in the U.S. and other depository institutions in the U.S. ........................
3. Balances due from banks in foreign countries and foreign central banks:
a. Foreign branches of other U.S. banks........................................................................................... 0073
b. Other banks in foreign countries and foreign central banks ...................... .................................... 0074
4. Balances due from Federal Reserve Banks....................................................................................... 0090
5. Total (sum of items 1 through 4) (must equal Schedule RC, sum of items 1.a and 1.b) .................... 0010

1.a.
1.b.

2.a.
2.b.

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

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

Held-to-maturit
(Column A)
Amortized Cost
Dollar Amounts in Thousands RCON
1. U.S. Treasury securities.. 0211

2. U.S. Government agency

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

Government
agencies1...................

2.a.

b. Issued by U.S.

Governmentsponsored agencies2..
3. Securities issued by

2.b.

states and political

subdivisions in the U.S....

1 Includes Small Business Administration "Guaranteed Loan Pool Certificates," U.S. Maritime Administration obligations, and Export-Impo Bank
participation certificates.
2 Includes obligations (other than mortgage-backed securities) issued by the Farm Credit System, the Federal Home Loan Bank System, the Federal Home

Loan Morgage Corporation, the Federal National Mortgage Association, the Financing Corporation, Resolution Funding Corporation, the Student Loan
Marketing Association, and the Tennessee Valley Authority.

FFIEC 041
Page RC-4

Schedule RC-B-Continued
Available-for-sale

Held-to-maturit

(Column A) (Column B)

Amortized Cost Fair Value
Dollar Amounts in Thousands RCON RCON Bil

(Column C) (Column D)

Amortized Cost F air Value
RCON

4. Mortgage-backed
securities (MBS):
a. Pass-through

securities:

(1) Guaranteed by
GNMA..................

4.a.(1)

(2) Issued

by FNMAand
FHLMC.................

4.a.(2)

(3) Other pass-

through securities.
b. Other mortgage-

4.a.(3)

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

anteed by FNMA,
FHLMC, or GNMA

4.b.(1)

(2) Collateralized by

MBS issued or
guaranteed by

FNMA, FHLMC,

orGNMA..............
(3) All other
mortgage-backed
securities........... ...

4.b.(2)

4.b.(3)

5. Asset-backed
securities (ABS) ........ ......
6. Other debt securities:
a. Other domestic debt
securities................... .

G.a.

b. Foreign debt

securities.................. ..

G.b.

7. Investments in mutual

funds and other equity
securities with readily

determinable fair values' .

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) ..........................

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

FFIEC 041

Page RC-5

Schedule RC-B-Continued
Memoranda
Dollar Amounts in Thousands

1. Pledged securities 1 .............................................................,..............................................................

M.1.

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.............................................................................................................. A549
(2) Over three months through 12 months.. ..... ............................................................................ A550
(3) Over one year through three years............................................................. ............................ A551
(4) Over three years through five years......................................................................................., A552

(5) Over five years through 15 years............................................................................................ A553
(6) Over 15 years......................................................................................................................... A554

M.2.a.(1)
M.2.a.(2)
M.2.a.(3)
M.2.a.(4)
M.2.a.(5)
M.2.a.(6)

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

(1) Three months or less .........,.................................................................................................... A555
(2) Over three months through 12 months ....... ........................................ .................... ................ A556
(3) Over one year through three years................................................................... ...................... A557
(4) Over three years through five years........................................................................................ A558

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

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

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

d. Debt securities with a REMAINING MATURITY of one year or less (included in

Memorandum items 2.a through 2.c above)..................................................................................
3. Amortized cost of held-to-maturity securities sold or transferred to available-for-sale or trading

M.2.d.

securities during the calendar year-to-date (report the amortized cost at date of sale or transfer) ...
4. Structured notes (included in the held-to-maturity and available-for-sale accounts in
Schedule RC-B, items 2, 3, 5, and 6):
a. Amortized cost...............................................................................................................................
b. Fair value.......................................................................................................................................

M.3.

, 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 9, column C, must equal Schedule RC-B, sum of items
1. 2, 3, 5, and 6,
columns A and 0, plus 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 9, column C, must equal Schedule RC-B, item 4.a, sum of columns A
and D, less the amount of 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 9,
column C, must equal Schedule RC-B. item 4.b, sum of columns A and D.

M.4.a.
M.4.b.

FFIEC 041

Page RC-6

Schedule RC-B-Continued
Memoranda-Continued

Available-for-sale

Held-to-maturit

(Column A) (Column B)

Amortized Cost Fair Value
Dollar Amounts in Thousands

(Column C) (Column D)

Amortized Cost Fair Value
RCON

Memorandum items 5.a
through 5.f are to be
completed by banks with
$1 billion or more in total
assets.

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. Credit card
receivables............. .....

c. Automobile loans.........

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

d. Other consumer
loans.......................,....

M.5.d.

b. Home equity lines........

e. Commercial and

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

M.5.e.
M.5.f.

1 The $1 billon asset size test is generally based on the total assets reported on the June 30,200. Report of Condition.

FFIEC 041

Page RC-7

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,

(ColumnA)
To Be Completed
by Banks with
$300 Millon or More
in Total Assets1

(Column B)
To Be Completed
by All Banks

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

1.a.(1)

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.a.(2)
1.b.

1.c.(1 )

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

(1) Loans secured by owner-occupied nonfarm nonresidential
1.e.(1)
1.e.(2)

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.:
(1) To U.S. branches and agencies of foreign banks .............................

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

(2) To other commercial banks in the U.S. .............................................
b. To other depository institutions in the U.S. ..............................................
c. To banks in foreign countries:

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

(1) To foreign branches of other U.S. banks...........................................
(2) To other banks in foreign countries ...................................................
3. Loans to finance agricultural production and other loans to farmers ...........
4. Commercial and industrial

3.
4.

loans..................................................................

4.a.
4.b.

a. To U.S. addressees (domicile) ................................................................
b. To non-U.S. addressees (domicile) .........................................................
5. Not applicable

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

expenditures (i.e., consumer loans) (includes purchased paper):
a. Credit cards.............................................................................................

G.a.
G.b.

b. Other revolving credit plans.....................................................................
c. Other consumer loans (includes single payment. installment, and
all student loans) .. ................. ........... ............ .......................... .................
7. Loans to foreign governments and official institutions (including foreign

G.c.

central banks).........,................,....................................................................

8. Obligations (other than securities and leases) of states and political
subdivisions in the U.S............................................................,............,.......

8.
9.

9. Other loans.................................,.,...............................................................

9.a.
9.b.

a. Loans for purchasing or carrying securities (secured and unsecured)....

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

J
, The $300 millon asset size test is generally based on the total assets reported on the June 30, 200f, Report of Condition.

FFIEC 041

Page RC-8

§J

Schedule RC-C-Continued
Part i. Continued
(Column A)
To Be Completed
by Banks with
$300 Millon or More
in Total Assets'

(Column B)
To Be Completed
by All Banks

Dollar Amounts in Thousands
10.

10. Lease financing receivables (net of unearned income)................................
a. Leases to individuals for household, family, and other personal
expenditures (Le., consumer leases) ...................................................... F162

10.a.
10.b.

b. All other leases....................................................................................... F163
11. LESS: Any unearned income on loans reflected in items 1-9 above .........

11.

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

12. Total

Memoranda

12.

Dollar Amounts in Thousands

1. Loans and leases restructured and in compliance with 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. Loans secured by 1-4 family residential properties................................................................

M.1.a.

b. Other loans and all leases (exclude loans to individuals for household. family. and other
personal expenditures).......................................,.......................................................................
2. Maturity and repricing data for loans and leases (excluding those in nonaccrual status):
a. Closed-end loans secured by first liens on 1-4 family residential properties (reported in
Schedule RC-C. part i, item 1.c.(2)(a), column B, above) with a remaining maturity or next

M.1.b.

repricing date of:2. 3

(1) Three months or less .......................................,.....................................,................................ A564
(2) Over three months through 12 months ................................................................................... A565
(3) Over one year through three years.................... .................................. .................... ............... A566
(4) Over three years through five years........................................................................................ A567
(5) Over five years through 15 years............................................................................................ A568
(6) Over 15 years......................................................................................................................... A569
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.......................................... .................................................................... A570
(2) Over three months through 12 months .................................. ................................................. A571
(3) Over one year through three years ..................................... .......... .......................... ................ A572
(4) Over three years through five years........................................................................................ A573
(5) Over five years through 15 years............................................................................................ A574
........................................... A575
15 years..................................................................,...........
(6) Over

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) ........

1 The $300 milion asset size test is generally based on the total assets reported on the June 30, 200, 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
liens on 1-4 family
total closed-end loans secured by first
propertes included in Schedule RC-N, item 1.c.(2)(a). column C. must equal
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 nonaccrualloans and leases from Schedule RC-N. sum of items 1 through 8.
liens on 1-4 family residential properties included in Schedule RC-N.
column C. minus nonaccrual closed-end loans secured by first
loans and leases from Schedule RC-C. part i, sum of items 1 through 10, column B, minus total
item 1.c.(2)(a). column C. must equal
total
closed-end loans secured by first
liens on 1-4 family residential propertes from Schedule RC-C. part i, item 1.c.(2)(a), column B.

M.2.a.(1)
M.2.a.(2)
M.2.a.(3)
M.2.a.(4)
M.2.a.(5)
M.2.a.(6)

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

FFIEC 041

Page RC-9

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

Dollar Amounts in Thousands RCON Bil Mil Thou

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 B5...............
4. Adjustable rate closed-end loans secured by first liens on 1-4 family residential properties

M.3.

(included in Schedule RC-C, part i, item 1.c.(2)(a), column B) .........................................................
5. To be completed by banks with $300 million or more in total assets:6
Loans secured by real estate to non-U.S. addressees (domicile) (included in

MA.

Schedule RC-C, part i, items 1.a through 1.e, column B) ................................. ..... .......... ..................

M.5.

Memorandum item 6 is to be completed by banks that (1) together with affliated institutions, have
outstanding credit card receivables (as defined in the instructions) that exceed $500 million as of the
report date or (2) are credit card specialty banks as defned for Uniform Bank Performance Report

purposes.
6. Outstanding credit card fees and finance charges included in Schedule RC-C, part i,
item 6.a. ..........................................................,..................................................................................

M.6.

Memorandum item 7 is to be completed by all banks.
7. Purchased impaired loans held for investment accounted for in accordance with AICPA Statement
of Position 03-3 (exclude loans held for sale):
a. Outstanding balance .. ................ ........... ........................................ ................................................

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

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

8. Closed-end loans with negative amortization features secured by 1-4 family residential

properties:
a. Total carrying amount of closed-end loans with negative amortization features secured by
1-4 family residential properties (included in Schedule RC-C, part i, items 1.c.(2)(a) and (b))....
Memorandum items B.b and B.c are to be completed by banks that had closed-end loans
with negative amortization features secured by 1-4 family residential properties (as reported
in Schedule RC-C, part i, Memorandum item B.a.) as of December 31, 200/3rhat exceeded
the lesser of $100 million or 5 percent of total
loans and leases, net of unearned income
(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.....................................................
c. Total amount of negative amortization on closed-end loans secured by 1-4 family residential

properties included in the carrying amount reported in Memorandum item 8.a above .................
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) ......................................................
Memorandum items 10 and 11 are to be completed by banks that have elected to measure loans
included in Schedule RC-C, part i, items 1 through 9, at fair value under a fair value option.
10. Loans measured at fair value (included in Schedule RC-C, part i, items 1 through 9):
a. Loans secured by real estate:

M.8.a.

M.8.b.
M.8.c.
M.9.

M.l0.a.(1)
M.l0.a.(2)

(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............................... ......... ........... ................. ....... ........ .........
5 Exclude loans secured by real estate that are included in Schedule RC-C, part i, items l.a through l.e, column B.
6 The $300 millon assel size test is generally based on the total assets reported on the June 30, 2001, Report of Condition.
i'

M.l0.a.(3)(a)
M.l0.a.(3)(b)(1
M.l0.a.(3)(b)(2

FFIEC 041

Page RC-l0

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

Dollar Amounts in Thousands

RCON Bil
10. a. (4) Secured by multifamily (5 or more) residential properties ............................................... F583
(5) Secured by nonfarm nonresidential properties ............ ..................................................... F584
.................................................. F585
loans.............................................
b. Commercial and industrial

c. Loans to individuals for household, family, and other personal expenditures
(i.e., çonsumer loans) (includes purchased paper):
.........................................................,..............
cards...................................................
(1) Credit
(2) Other revolving credit plans................................................................................................
(3) Other consumer loans (includes single payment, installment, and all student loans)..
d. Other loans...................................................................................................................................
11. Unpaid principal balance of loans measured at fair value (reported in Schedule RC-C,
part i, Memorandum item 10):
a. Loans secured by real estate:

Mil

Thou

M.10.a.(4)
M.10.a.(5)
M.10.b.

M.10.c.(1)
M.10.c.(2)
M.10.c.(3)
M.10.d.

M.11.a.(1)
M.11.a.(2)

M.11.a.(3)(a)

extended under lines of credit............................................................ ..........................

(b) Closed-end loans secured by 1-4 family residential properties:
(1) Secured by first liens.............................................................................,................. F593
(2) Secured by junior liens............................................................................................ F594

(4) Secured by multifamily (5 or more) residential properties ............................................... F595
(5) Secured by nonfarm nonresidential properties .......... ....................................................... F596
b. Commercial and industrial loans............................................................................................... F597

M.11.a.(3)(b)(1:
M.11.a.(3)(b)(2:
M.11.a.(4)
M,11.a.(5)
M.11.b.

c. Loans to individuals for household, family, and other personal expenditures
(i.e., consumer loans) (includes purchased paper):
(1) Credit cards...........................................................................................................................
(2) Other revolving credit plans................................................................................................
(3) Other consumer loans (includes single payment, installment, and all student loans)..
d. Other loans....................,..............................................................................................................

M.11.c.(1)
M.11.c.(2)
M.11.c.(3)
M.11.d.

(NJfKI D

F598
F599
F600
F601

INSERT 0 - FFIEC 041

(Column A)

(Column B)

(Column C)

Fair value of

Gross contractual
amounts receivable
at acquisition date

acquisition date of

acquired loans and
leases at acquisition

Best estimate at

date
12.

contractual cash
flows not expected
to be collected

Loans (not subject to the
requirements of 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:

RCON

Loans secured by real estate ..

G091

G092

G093

Commercial and industrial
loans ........................................

G094

G095

G096

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

G097

G098

G099

All other loans and all leases ..

G100

G101

G102

Bil

Mil

Thou

RCON

Bil

Mil

Thou

RCON

Bil

Mil

Thou

FFIEC 041

Page RC.lOa

Schedule RC-C-Continued

122al

Part II. Loans to Small Businesses and Small Farms
Schedule RC-C. Part II is to be reported only with the June Report of Condition.
Report the number and amount currently outstanding as of June 30 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
loans" reported in Schedule RC-C, part I.
volume of your bank's "Commercial and industrial

item 4,1 have original amounts of $100.000 or less (If your bank has no loans outstanding in RCON
both ofthese two loan categories, place an "X" in the box marked "NO.")........................................ 6999

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.)............................................,......................................
loans" reported in Schedule RC-C,
b. "Commercial and industrial

2.a.

part I. item 4.1 (Note: Item 4,1 divided by the number of loans should
2.b.

NOT exceed $100,000.) ..........................................................................

(ColumnA)
Dollar Amounts in Thousands

Number of Loans

3. Number and amount currently outstanding of "Loans secured by.
nonfarm nonresidential properties" reported in Schedule RC-C, part I,

items 1.e.(1) and 1.e.(2) (sum of items 3.a through 3.c must be less than
or equal to Schedule RC-C, part I, sum of

items 1.e.(1) and 1.e.(2)):

3.a.
3.b.
3.c.

a. With original amounts of $100,000 or less............................................
b. With original amounts of more than $100,000 through $250,000.........
c. With original amounts of more than $250.000 through $1.000,000......
4. Number and amount currently outstanding of "Commercial and

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):

industrial

a. With original amounts of $100,000 or less............................................ 5570
b. With original amounts of more than $100,000 through $250,000......... 5572
c. With original amounts of more than $250.000 through $1.000,000...... 5574
, Banks with $300 millon or more in total assets should provide the requested information for "Commercial and industrial
reported in Schedule RC-C. part i, item 4.a, column A, "Commercial and industrial

loans to U.S. addressees.

5571

5573
5575

4,a.
4.b.
4.c.
loans" based on the loans

FFIEC 041

Page RC-10b

Schedule RC-C-Continued

122bl

Part II. Continued
Agricultural Loans to Small Farms
5. Indicate in the appropriate box at the right whether all or substantially all of the dollar
volume of your bank's "Loans secured by farmland (including farm residential and other
improvements)" reported in Schedule RC-C, part I, item 1.b. and all or substantially all
of the dollar volume of your bank's "Loans to finance agricultural production and other

loans to farmers" reported in Schedule RC-C, part I, item 3. have original amounts
of $100,000 or less (If your bank has no loans outstanding in both of these two loan

categories, place an "X" in the box marked ..NO...)...................... .................... ..................... ..............

If YES, complete items 6.a and G.b below, and do not complete items 7 and 8.

If NO and your bank has loans outstanding in either loan category, skip items G.a and G.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.

G. 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
mprovements)" 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"
reported in Schedule RC-C. part I. item 3 (Note: Item 3 divided by the
number of loans should NOT exceed $100,000.)....................................

G.a.

6.b.

(Column A)

Dollar Amounts in Thousands

Number of Loans

7. Number and amount currently outstanding of "Loans secured by
farmland (including farm residential and other improvements)" reported
in Schedule RC-C, part i, item 1.b (sum of items 7.a through 7.c must be
less than or equal to Schedule RC-C. part I, item 1.b):

7.a.
7.b.
7.c.

a. With original amounts of $100,000 or less............................................
b. With original amounts of more than $100,000 through $250.000.........
c. With original amounts of more than $250,000 through $500,000.........
8. Number and amount currently outstanding of "Loans to finance
agricultural production and other loans to farmers" reported in
Schedule RC-C. part i, item 3 (sum of items 8.a through 8.c must be
less than or equal to Schedule RC-C. part i, item 3):

a. With original amounts of $100.000 or less............................................ 5584
b. With original amounts of more than $100.000 through $250,000......... 5586
c. With original amounts of more than $250,000 through $500.000......... 5588

5585
5587
5589

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

FFIEC 041
Page RC-11

§J

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

Dollar Amounts in Thousands

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. Pass-through securities issued or guaranteed by FNMA, FHLMC, or GNMA...............................
b. Other mortgage-backed securities issued or guaranteed by FNMA, FHLMC, or GNMA

(include CMOs, REMICs, and stripped MBS) .................................................. ........................ .....
c. All other mortgage-backed securities .................... .............. ........ ..................................................
5. Other debt securities........................................................,.,......,........................................................

1.
2.
3.

4.a.
4.b.
4.c.
5.

6. Loans:
a. Loans secured by real estate:

(1) Construction, land development, and other land loans....................................................
(2) Secured by farmland (including farm residential and other improvements) ..................
(3) Secured by 1-4 family residential properties:
(a) Revolving, open-end loans secured by 1-4 family residential properties and
extended under lines of credit ....,.................................................................................
(b) Closed-end loans secured by 1-4 family residential properties:
(1) Secured by first liens............................................................................................... F607
(2) Secured by junior liens..................,..,...................................................................... F611

(4) Secured by multifamily (5 or more) residential properties ............................................... F612
(5) Secured by nonfarm nonresidential properties................................................................. F613
b. Commercial and industrial

loans................................................

....................................,.......... F614

6.a.(1)
6.a.(2)

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

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

c. Loans to individuals for household, family, and other personal expenditures
(i.e., consumer loans) (includes purchased paper):

(1) Credit cards...........................................................................................................................
(2) Other revolving credit plans................................................................................................
(3) Other consumer loans (includes single payment, installment, and all student loans)..
d. Other loans ..............,......................................................................,........"...,.............,................
7. and 8. Not applicable

9. Other trading assets...........................................................................................................................

6.c.(1)
6.c.(2)
6.c.(3)
6.d.
9.

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) ........................

11.

12..

LIABILITIES

13. a. Liability for short positions............................................................................................................. 3546
b. Other trading liabilties........................................................................................... ................ .... F624
14. Derivatives with a negative fair value................................................................................................. 3547
15. Total trading liabilities (sum of items 13.a. through 14) (must equal Schedule RC, item 15) ............. 3548

13.a.
13.b.
14.
15.

FFIEC 041

Page RC-12

Schedule RC-D-Continued
Memoranda
Dollar Amounts in Thousands

1. Unpaid principal balance of loans measured at fair value (reported in Schedule RC-O,
items 6.a.(1) through 6.d):
a. Loans secured by real estate:

(1) Construction, land development, and other land loans....................................................
(2) Secured by farmland (including farm residential and other improvements) ..................
(3) Secured by 1-4 family residential properties:
(a) Revolving, open.end loans secured by 1-4 family residential properties and
extended under lines of credit ......................................................................................
(b) Closed.end loans secured by 1-4 family residential properties:
(1) Secured by first liens............................................................................................... F628
(2) Secured by junior liens............................................................................................ F629

(4) Secured by multifamily (5 or more) residential properties ............................................... F630
(5) Secured by nonfarm nonresidential properties ........................................................ ......... F631
b. Commercial and industrial loans......................................................................... ...................... F632
c. Loans to individuals for household, family, and other personal expenditures

M.1.a.(1)
M.1.a.(2)

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

(i.e., consumer loans) (includes purchased paper):

(1) Credit cards...........................................................................................................................
(2) Other revolving credit plans ................................................:..............................................,
(3) Other consumer loans (includes single payment, installment, and all student loans)..
d. Other loans ..................................................................................................................................

M.1.c.(1)
M.1.c.(2)
M.1.c.(3)
M.1,d.

2. Not applicable

3. Loans measured at fair value that are past due 90 days or more:
a. Fair value...................................................................,..................................................................

b. Unpaid principal balance............................................................................................................

M.3.a.
M.3.b.

Memorandum items 4 through 10 are to be completed by banks that reported average
trading assets (Schedule RC-K, item 7) of $1 bilion or more in any of the four preceding
calendar quarters.
4. Asset.backed securities:
a. Residential mortgage-backed securities .................................................................................. F641

b. Commercial mortgage-backed securities................................................................................. F642
c. Credit card receivables............................................................................................................... F643
d. Home equity lines..............................................................................,.............,........,.............,.... F644
e. Automobile loans ........................................ ..... ...... ..................................................................... F645
f. Other consumer loans................................................................................................................ F646
g. Commercial and industrial

loans................,..................,.....................

...................................... F647

h. Other............................................................................................................................................. F648

M.4.a.
MA.b.
M.4.c.
MA.d.
MA.e.
MAJ.
M.4.g.
M.4.h.

5. Collateralized debt obligations:
a. Synthetic ......... ........... .... ........... ......... ..................... ....... .......................... ............................. .......
b. Other................................................................,............................................................................

6. Retained beneficial interests in securitizations (first-loss or equity tranches) .........................

M.5.a.
M.5.b.
M.6.

7. Equity securities:

a. Readily determinable fair values ............. ...... ..... ............................ ........... ................................ F652
b. Other.................................................................................................................................. ........... F653

8. Loans pending securitization .............. .............. ....... ......... .......... ............ ...... .............. ................... F654

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

FFIEC 041

Page RC-13

Schedule RC-D-Continued
Memoranda-Continued
Dollar Amounts in Thousands

9. Other trading assets (itemize and describe amounts included in Schedule RC-O, item 9,
that are reater than $25,00 and exceed 25% of the item):
M.9.a.
M.9.b.
M.9.c.

a. lEXT

b. lEX

c. lm
10. Other trading liabilties (itemize and describe amounts included in Schedule RC-O, item
~~'~b;E~~at are greater than $25,00 and exceed 25% of the item):

b. TEXT

C. l¡~

F658
F659
F660

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

FFIEC 041

Page RC-14

Schedule RC-E-Deposit Liabilities

Transaction Accounts
(Column A)
Total transaction
accounts (including

total demand
deposits)

Nontransaction
Accounts

(Column B)
Memo: Total
demand deposits
(included in

Total
nontra nsaction

columnA)

(including MMDAs)

Dollar Amounts in Thousands

(Column C)

accounts
RCON

Deposits of:
1. Individuals. partnerships, and corporations
1.
2.
3.

(include all certified and offcial checks)......... .......
2. U.S. Government ..................................................
3. States and political subdivisions in the U.S...........

4. Commercial banks and other depository
4.
5.

institutions in the U.S. ...........................................

5. Banks in foreign countries.......... ........... ................
6. Foreign governments and official institutions

(including foreign central banks) ................ ...........

7. Total (sum of items 1 through 6) (sum of
columns A and C must equal Schedule RC.
item 13.a) ..............................................................

Memoranda

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. Fully insured brokered deposits (included in Memorandum item 1.b above):'

(1) Brokered deposits issued in denominations of less than $100,00 ................................

M.1.a.
M.1.b.
M.1.c.(1)

(2) Brokered deposits issued in denominations of $100,00 and certain brokered
retirement deposit accounts....................................................................,...........................

M.1.c.(2)

d. Maturity data for brokered deposits:
(1) Brokered deposits issued in denominations of less than $100,000 with a remaining

maturity of one year or less (included in Memorandum item 1.c.(1) above) ...........................

M.1.d.(1)

(2) Brokered deposits issued in denominations of $100,000 or more 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)............................................................................
2. Components of total nontransaction accounts (sum of Memorandum items 2.a through 2.c must
equal item 7, column C above):

M.1.d.(2)

M.1.e.

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 or more .......................................................................................

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

(1) Individual Retirement Accounts (IRAs) and Keogh Plan accounts included in
Memorandum item 2.c. "Total time deposits of $100.000 or more:' above.............................

M.2.c.(1)

red retirement deposit accounts eligible for $250,000 in deposit insurance coverage in Memorandum item 1.c.(1) only if they have been
issued in denominations of less than $100,000 (see instructions). Report brokered retirement deposit accounts in Memorandum item 1.c.(2) if they have
been issued either in denominations of exactly $100,00 through exactly $250,000 or in denominations greater than $250,00 and participated out by the
broker in shares of exactly $100,000 through exactly $250.000 or less.

, Report broke

FFIEC 041

Page RC.15

Schedule RC-E-Continued
Memoranda-Continued
Dollar Amounts in Thousands

3. Maturity and repricing data for time deposits of less than $100,000:
a. Time deposits of less than $100,000 with a remaining maturity or next repricing date of:'. 2

(1) Three months or less..............................................................................................................
(2) Over three months through 12 months...................................................................................
(3) Over one year through three years ................................................................................... ......
(4) Over three years .......................................... .............................. .............................................
b, Time deposits of less than $100,000 with a REMAINING MATURITY of one year or less
(included in Memorandum items 3.a.(1) and 3.a.(2) above)3........................................................
4. Maturity and repricing data for time deposits of $100,000 or more:
a. Time deposits of $100,000 or more with a remaining maturity or next repricing date of:', 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 $100,000 or more with a REMAINING MATURITY of one year or less
items 4.a.(1) and 4.a.(2) above)3........................................................
(included in Memorandum

, Report fixed rate time deposits by remaining maturity and floating rate time deposits by next repricing date.
2 Sum of Memorandum items 3.a.(1) through 3.a.(4) must equal Schedule RC-E, Memorandum item 2.b.
3 Report both fixed and floating rate time deposits by remaining maturity. Exclude floating rate time deposits with a next repricing date of
one year or less that have a remaining maturity of over one year.
4 Sum of Memorandum items 4.a.(1) through 4.a.(4) must equal Schedule RC-E, Memorandum item 2.c.

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

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

FFIEC 041

Page RC-16

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

Mil Thou

1. Accrued interest receivable 1 ................ ....... ....... ............. .................. ....... ................ .......... .......... ...... B556
2. Net deferred tax assets2 ................................................................................. ................................... 2148

3. Interest-only strips receivable (not in the form of a security)3 on:

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

3.a.
3.b.

b. Other financial assets........................................................,..................................,.,.....................,
4. Equity securities that DO NOT have readily determinable fair values4 ..............................................

4.
5.

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

a.
Pre aid ex enses 2166
b. Re ossessed ersonal ro ert includin vehicles 1578

6.a.
6.b.

c. Derivatives with a positive fair value held for purposes other
than tradin

6.c.

d. Retained interests in accrued interest receivable related to

securitized credit cards C436
e.
3549
f. ~~~¡
~~~ 3550

6.d.
6.e.

g. ~m 3551

6.f.

6.g,

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

Schedule RC-G-Other Liabilities
Dollar Amounts in Thousands RCON
1. a. Interest accrued and unpaid on deposits 5 .................................................................................... 3645
b. Other expenses accrued and unpaid (includes accrued income taxes payable) .......................... 3646
2. Net deferred tax liabilties2 .............. ............... ......................... ................................. .......................... 3049

Bil

Mil

Thou

3. Allowance for credit losses on off-balance sheet credit exposures................................ ...... .............. B557
4. All other liabilties (itemize and describe amounts greater than $25,000 that exceed 25%

a.
Accounts a able 3066
b. Deferred com ensation liabilties COll

of this item).................................................................................,.......................................................

c. Dividends declared but not et a able 2932

than~
tradin
C012
a
~
f.
3553
g. ~~~j
1m 3554

1.a.
1.b.
2.
3.

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

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

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

, Includes 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 Includes Federal Reserve stock. Federal Home Loan Bank stock, and bankers' bank stock.
5 For savings banks. include "dividends" accrued and unpaid on deposits.

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

4.g.
5.

FFIEC 041

Page RC.17

Schedule RC-K-Quarterly Averages1
Dollar Amounts in Thousands RCON Bil

Mil Thou

ASSETS
1. Interest-bearing balances due from depository institutions................................................................ 3381

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

3. Mortgage-backed securities2 ....................... ...... ..... ..................................................................... ......
4. All other securities2. 3 (includes securities issued by states and political subdivisions in the
U.S.).........................,.........................................................................................................................
5. Federal funds sold and securities purchased under agreements to resell.........................................

2.
3.
4.
5.

6. Loans:

a. Totalloaris ..........................................................................................,..........................................
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 .................................................................................,.................

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

d. Loans to individuals for household. family. and other personal expenditures:

(1) Credit cards...,...............,.........................................................................................................

6.d.(1)

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

other than credit cards) ................................................,..........................................................
7. To be completed by banks with $100 million or more in total assets.-4
Trading assets.................................................,....,.........................................,...................................
8. Lease financing receivables (net of unearned income)........ ................. .............................................
9. Total assets

5 ...............................................................,.........,..,...........................,.............................

6.d.(2)
7.

8.
9.

LIABILITIES

10. Interest-bearing transaction accounts (NOW accounts. ATS accounts, and telephone and
preauthorized transfer accounts) (exclude demand deposits) ...........................................................

10.

11. Nontransaction accounts:

a. Savings deposits (includes MMDAs) ...........................................................................................
b. Time deposits of $100.000 or more...............................................................................................
c. Time deposits of less than $100.000.............................................................................................
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.-4
Other borrowed money (includes mortgage indebtedness and obligations under

capitalized leases)....................................... .......................................................................................

11.a.
11.b.
11.c.
12.

13.

Memorandum
Memorandum item 1 is to be completed by.-4
banks with $300 million or more in total assets, and
banks with less than $300 million in total assets that have loans to finance agricultural
production and other loans to farmers (Schedule RC-C. part i, item 3) exceeding five percent
of total loans.
1. Loans to finance agricultural production and other loans to farmers ..................... ................ ............

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 Quarterly averages for all debt securities should be based on amortized cost.

3 Quarterly averages for all equity securities should be based on historical cost. 8
loans test are generally based on the total assets and total
loans reported on the June 30,2001Report of Condition.
S The quarterly average for total assets should reflect all debt securities (not held for trading) at amortized cost, equity securities with readily determinable
fair values at the lower of cost or fair value, and equity securities without readily determinable fair values at historical cost.

4 The asset size tests and the five percent of total

FFIEC 041

Page RC.18

Schedule RC-L-Derivatives and Off-Balance Sheet Items

Please read carefully the instructions for the preparation of Schedule RC-L. Some of the amounts
reported in Schedule RC-L are regarded as volume indicators and not necessarily as measures of risk.
Dollar Amounts in Thousands

1. Unused commitments:
a. Revolving, open-end lines secured by 1-4 family residential properties, e.g., home equity

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

1.a.
1.b.

c. (1) Commitments to fund commercial real estate, construction, and land development loans
secured by real estate:

(a) 1-4 family residential construction loan commitments..............................................

1.c.(1 Ha)

(b) Commercial real estate. other construction loan. and land

development loan commitments............,......................................................................
(2) Commitments to fund commercial real estate, construction, and land development loans
NOT secured by real estate....................................................................................................
d. Securities underwriting ........................................,................................................................1........
e. Other unused commitments..........................................................................................................
2. Financial standby letters of credit.....................................................................................................,
, a. Amount of financial standby letters of credit conveyed to others ........... 3820
3. Performance standby letters of credit ... .................................................. ........... ................................

a. Amount of performance standby letters of credit conveyed to others .... 3822
4. Commercial and similar letters of credit........................................ ..... ...............................................

1.c.(1 Hb)

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

2.a.
3.

3.a.
4.

5. Not applicable

6. Securities lent (including customers' securities lent where the customer is
indemnified against loss by the reporting bank).................................................................... .............

7. Credit derivatives:

a. Notional amounts:

(1) Credit default swaps..................................
(2) Total return swaps......................................
(3) Credit options.............................................
(4) Other credit derivatives..............................
b, Gross fair values:
(1) Gross positive fair value.............................

(2) Gross negative fair value........................... C220 C222

7.a.(1)
7.a.(2)
7.a.(3)
7.a.(4)
7.b.(1)
7.b.(2)

8. Spot foreign exchange contracts........................................................................................................

9, All other off-balance sheet liabilties (exclude derivatives) (itemize and describe each component
ofthis item over 25% of Schedule RC, item 28, "Total equity capital") ....... .......................................

a. Securities borrowed 3432
b. Commitments to purchase when-issued securities 3434

c. Standby letters of credit issued by

9.a.
9.b.

a Federal Home Loan Bank on the

bank's behalf
d. §l3m

f. ~Exi 3557

e. ~~~i

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

10. All other off-balance sheet assets (exclude derivatives) (itemize and describe each component

of this item over 25% of Schedule RC, item No "Totailquity capital") ~..~.~~~................................,

10.

d.
e. : 5~

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

b. ¡~~J¡m
2.1. c\
5592
c.
5593
a. Commitments to sell when-issued securities 3435

t~"' 3.t\ ,'1 l. b~ úl'hplckJ by ba..1c i.ìJ. ;. ¡';i/... or ttor'l ,~ ~ofl e.¡~.:
DQl' 2.tt.ÌJ h bii Q;i'tl/~~J. ¡" b.i../c WI'J (h'",,,lI Orl7Il;~ I.. hf./ auch.
'Thl! '11:'/"'0., a.ud.. iil.e. +ut ,'J 'J~l,er-JI'l bc.J~cl 0" H.~-hfr a.u~fr reforf-l.. H.J~I'e. 34, z.c(8)
(2 c.p (;,+ of Cc ,- '0 '" .

FFIEC 041

Page RC-19

§J

Schedule RC-L-Continued
Dollar Amounts in Thousands

Tril

i~~

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

(ColumnA)

Interest Rate
Contracts

Bil

Mil I Thou
...p;.,;

"\/2 'iiKiF.'
I
I

(Column B)

(Column C)

(Column D)

Foreign Exchange
Contracts

Equity Derivative

Commodity and

Contracts

Other Contracts

11.a.
11.b.

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:

12.a.
12.b.

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

12.c.(1 )

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

12.c.(2)

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

12.d.(1)

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

12.d.(2)

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

12.e.
13.

14.

14.a.

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

15.a.(1)

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

15.a.(2)

b. Contracts held for purposes other
than trading:

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

15.b.(1 )

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

15.b.(2)

FFIEC 041

Page RC-20

§J

Schedule RC-M-Memoranda
Dollar Amounts in Thousands

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

1.a,

1.b.

2. Intangible assets other than goodwill:

a. Mortgage servicing assets........................................................ ... ............... .
(1) Estimated fair value of mortgage servicing assets.................... ........ A590
b. Purchased credit card relationships and nonmortgage servicing assets ......................................

c. All other identifiable intangible assets ...........................................................................................
d. Total (sum of items 2.a, 2.b, and 2.c) (must equal Schedule RC. item 10.b) ................................
3. Other real estate owned:
a. Direct and indirect investments in real estate ventures.................................................................

b. All other real estate owned:
(1) Construction. land development, and other land........................................... ......................... 5508
(2) Farmland,.,......................,...,...,..............................................,...,......................................,..... 5509
(3) 1-4 family residential properties.............................................................................,............... 5510
(4) Multifamily (5 or more) residential properties.......................................................................... 5511

(5) Nonfarm nonresidential properties...................................................................,...................... 5512
(6) Foreclosed properties from "GNMA loans" ............................................................................. C979
c. Total (sum of items 3.a and 3,b) (must equal Schedule RC. item 7) ............................................. 2150

2.a.
2.a.(1)
2.b.
2.c.
2.d.
3.a.
3.b.(1)
3.b.(2)
3.b.(3)
3,b.(4)
3.b.(5)
3.b.(6)
3.c.

4. Investments in unconsolidated subsidiaries and associated companies:
a. Direct and indirect investments in real estate ventures.................................................................

b. All other investments in unconsolidated subsidiaries and associated companies ........................
c. Total (sum of items 4.a and 4.b) (must equal Schedule RC. item 8) .............................................
5. Other borrowed money:

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

a. Federal Home loan Bank advances:
(1) Advances with a remaining maturity or next repricing date of:1
(a) One year or less. ..............................................................................................................

(b) Over one year through three years.................................... ...............................................
(c) Over three years through five years ................................ .................................................

(d) Over five years .........................................................,.......................................................

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

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

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

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

b. Other borrowings:

(1) Other borrowings with a remaining maturity or next repricing date of:3
(a) One year or less...............................................................................................................
(b) Over one year through three years................... ........... ........ .................. ...................... .....

(c) Over three years through five years .................... ............. ................... ............. ........ ........
(d) Over five years .................................................................................................................
(2) Other borrowings with a REMAINING MATURITY of one year or less (included in item
5.b.(1)(a) above)4 ....................................................................................................................

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

c. Total (sum of items 5.a.(1)(a)-(d) and items 5.b.(1)(a)-(d)) (must equal Schedule RC,
item 16) ........................................................................................................................................

5.c.

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

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

FFIEC 041
Page RC-21

§J

Schedule RC-M-Continued
Dollar Amounts in Thousands

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

7. Assets under the reporting bank's management in proprietary mutual funds and annuities..............

8. Primary Internet Web site address of the bank (home page), if any
(Example: ww.examplebank.com)

I ~gi Ihttp://
9. Do any of the bank's Internet Web sites have transactional capability, i.e., allow the bank's
customers to execute transactions on their accounts through the Web site? .............. ......................

10. Secured liabilities:
a. Amount of "Federal funds purchased" that are secured (included in Schedule RC, item 14.a) ....
b. Amount of "Other borrowings" that are secured (included in Schedule RC-M,

10.a.

items 5.b.(1)(a)-(d)) ......................................................................................................................

10.b.

FFIEC 041

Page RC-22

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

30 through 89

days and stil
accruing

(Column B)
Past due 90
days or more

(Column C)

Nonaccrual

and stil
accruing

Dollar Amounts in Thousands RCON Bil

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

(1) 1-4 family residential construction
loans........................................................... F172

1.a.(1)

(2) Other construction loans and all land
development and other land loans.......... F173
b. Secured by farmland......................................... 3493

1.a.(2)
1.b.

c. Secured by 1-4 family residential properties:

(1) Revolving, open-end loans secured by
1-4 family residential properties and

extended under lines of credit..................... 5398

1.c.(1 )

(2) Closed-end loans secured by 1- 4 family

residential properties:
(a) Secured by first liens............................ C236
(b) Secured by junior liens ......................... C238
d. Secured by multifamily (5 or more) residential

properties.......................................................... 3499

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

e. Secured by nonfarm nonresidential

properties:
(1) Loans secured by owner-occupied

nonfarm nonresidential properties.... ..... F178

1.e.(1)

(2) Loans secured by other nonfarm

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

1.e.(2)

2. loans to depository institutions and

acceptances of other banks...................... ..... ........ B834

3. Not applicable
4. Commercial and industrial

loans ............................

5. loans to individuals for household, family. and

other personal expenditures:
a. Credit cards ......................... .................. ............ B575
b. Other (includes single payment, installment,
all student loans, and revolving credit plans
other than credit cards) ........... ...... .................... B578
6. loans to foreign governments and official

institutions............................................................. 5389
7. All other loans1....................................................... 5459
8. lease financing receivables................................... 1226

5.a.

5.b
6.
7.
8.

9. Debt securities and other assets (exclude
other real estate owned and other repossessed
assets)...................,................................................ 3505

1 Includes past due and nonaccrual "Loans to finance agricultural production and other loans to farmers," "Obligations (other than securities and

leases) of states and political subdivisions in the U.S.:' and "Other loans."

FFIEC 041

Page RC-23

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

(ColumnA)

days and stil

(Column B)
Past due 90
days or more
and still

accruing

Past due

30 through 89

(Column C)

Nonaccrual

Dollar Amounts in Thousands RCON Bil
10. Loans and leases reported in items 1 through 8
above which are wholly or partially guaranteed

by the U.S. Government.............................. ........
a. Guaranteed portion of loans and leases
included in item 10 above (exclude rebooked
"GNMA loans.).................................................
b. Rebooked .GNMA loans" that have been
repurchased or are eligible for repur~hase
included in item 10 above.................................

10.

10.a.

10.b.

FFIEC 041

Page RC-24

Schedule RC-N-Continued

days and still

(Column B)
Past due 90
days or more
and still

accruing

(Column A)
Past due

30 through 89

Memoranda
Dollar Amounts in Thousands

1. Restructured loans and leases included in
Schedule RC-N, items 1 through 8, above
(and not reported in Schedule RC-C, Part I,
Memorandum item 1):

(Column C)

Nonaccrual

RCON Bil Mil

a. Loans secured by 1-4 family residential
properties......................................................... F661

M.1.a.

b. Other loans and all leases (exclude loans
to individuals for household, family, and
other personal expenditures)......................... 1658

M.1.b.

2. Loans to finance commercial real estate,
construction, and land development activities
(not secured by real estate) included in
Schedule RC-N, items 4 and 7, above................... 6558
3. Memorandum items 3.a. through 3.d are to be
completed by banks with $300 million or more
in total assets:'
a. Loans secured by real estate to non-U.S.
addressees (domicile) (included in

M.2.

Schedule RC-N, item 1, above)......................... 1248

M.3.a.

b. Loans to and acceptances of foreign banks

M.3.b

(included in Schedule RC-N, item 2, above) ..... 5380
loans to non-U.S.
addressees (domicile) (included in

c. Commercial and industrial

Schedule RC-N, item 4, above)......................... 1254

M.3.c.

d. Leases to individuals for household, family,
and other personal expenditures (included

in Schedule RC-N, item 8, above)..................... F166

M.3.d.

Memorandum item 4 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
five percent of total

loans:

4. Loans to finance agricultural production
and other loans to farmers (included in

Schedule RC-N, item 7, above) ............................. 1594

MA.

5. Loans and leases held for sale and loans
measured at fair value (included in Schedule
RC-N, items 1 through 8, above):
a. Loans and leases held for sale.... .............. ........ C240

M.5.a.

b. Loans measured at fair value:
(1) Fair value ................................................... F664
(2) Unpaid principal balance ...... ...... ..... ........ F667

1 The $300 millon asset size test and the five percent of tolalloans test are generally based on the total assets and total

June 30, 200t Report of Condition,

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

loans reported on the

FFIEC 041

Page RC-25

Schedule RC-N-Continued
Memoranda-Continued
(ColumnA)
Dollar Amounts in Thousands

Past due 30
through 89 days

(Column B)
Past due 90
days or more

Memorandum item 6 is to be completed by

banks with $300 million or more in total assets:1

6. Interest rate, foreign exchange rate, and other
commodity and equity contracts:

Fair value of amounts carried as assets ................ M.6.
RCON

Bil

Mil

Thou

C410
7. Additions to nonaccrual assets during the quarter .............................................................................
M.7.
C411
8. Nonaccrual assets sold during the quarter.........................................................................................
M.8.

1 The $300 millon asset size test is generally based on the total assets reported on the June 30, 2007, Report of Condition.

Schedule RC-O-Other Data for Deposit Insurance and FICO Assessments
All banks must complete items 1 and 2, Memorandum item 1, and, if applicable, Memorandum items 2 and 3 each
quarter. Each bank that reported $1 bilion or more in total assets in its March 31, 2007, Report of Condition must

complete items 4 and 5 each quarter. In addition, each bank that reported $1 bilion or more in total assets in two
consecutive Reports of Condition beginning with its June 30, 2007, report must begin to complete items 4 and 5 each
quarter starting six months after the second consecutive quarter in which it reports total assets of $1 bilion or more.
Each bank that becomes insured by the FDIC on or after April
1 , 2007, must complete items 4 and 5 each quarter. Any
other bank may choose to complete items 4 and 5, but the bank must then continue to complete items 4 and 5 each

quarter thereafter.
Dollar Amounts in Thousands
1. Total deposit liabilties before exclusions (gross) as defined in Section 3(1) of the Federal

Deposit Insurance Act and FDIC regulations.......... ............. ............................ .......... ...... .............
2. Total allowable exclusions, including Interest accrued and unpaid on allowable exclusions.
3. Not applicable
4. Total daily average of deposit liabilities before exclusions (gross) as defined in Section 3(1)

of the Federal Deposit Insurance Act and FDIC regulations .......................................................

5. Total daily average of allowable exclusions, including interest accrued and unpaid on
allowable exclusions ...................................... ................................................................................

FFIEC041
Page RC-26

Schedule RC-Q-Continued
Memorandum

Dollar Amounts in Thousands

1. Total assessable deposits of the bank, including related interest accrued and unpaid (sum of
Memorandum items 1.a.(1), 1.b.(1),1.c.(1), and 1.d.(1) must equal Schedule RC-O, item 1
less item 2):
a. Deposit accounts (excluding retirement accounts) of $100,000 or less: 1
(1) Amount

of deposit accounts (excluding retirement accounts) of $100,000 or less ............

M.1.a.(1 )

(2) Number of deposit accounts (excluding retirement accounts) Number
of $100,000 or less (to be completed for the June report only)... F050

M.1.a.(2)

b. Deposit accounts (excluding retirement accounts) of more than $100,000: 1

(1) Amount of deposit accounts (excluding retirement accounts) of more than $100,000.......

M.1.b.(1)

(2) Number of deposit accounts (excluding retirement accounts) Number
of more than $100,000...................................................................... F052

M.1.b.(2)

c. Retirement deposit accounts of $250,000 or less:1

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

M.1.c.(1 )

(2) Number of retirement deposit accounts of $250,000 or less Number
(to be completed for the June report only).......... .......... ............. ....... F046

M.1.c.(2)

d. Retirement deposit accounts of more than $250,000:1

(1) Amount of retirement deposit accounts of more than $250,000.............................................
Number
of retirement deposit accounts of more than $250,000....... F048
(2) Number

M.1.d.(1 )

M.1.d.(2)

Memorandum item 2 is to be completed by banks with $1 billon or more in total assets.2
2. Estimated amount of uninsured assessable deposits, including related interest accrued and
unpaid (see instructions) 3 ................................................................................................................
3. Has the reporting institution been consolidated with a parent bank or savings association
in that parent bank's or parent savings assoCiation's Call Report or Thrift Financial Report?
If so,report the legal title and FDIC Certificate Number of the parent bank or parent savings

M.2.

association:
TEXT

A55

M.3.

Memorandum items 4.a and 4.b are to be completed by all banks participating in the
FDIC Transaction Account Guarantee Program.
4. Noninterest-bearing transaction accounts (as defined in Part 370 of the FDIC's
regulations) of more than $250,000 (see instructions):
a. Amount of noninterest-bearing transaction accounts of more than $250,000
interest-bearing transaction accounts to
(including balances swept from non
noninterest-bearing savings accounts) ........................................................................................

b. Number of noninterest-bearing transaction accounts of more Number
than $250,000 ........................................................................................ G168

MA.a.
MA.b.

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 without taking into account the temporary increase in deposit insurance in effect through December 31, 2009.
2 The $1 billon asset size test is generally based 01' the total assets reported on the June 30,~eport of Condition. Zoo&:
3 Uninsured assessable deposits should be estimated based on the deposit insurance limits set forth in Memorandum items 1.a through 1.d
without taking into account the temporary increase in deposit insurance in effect through December 31, 2009, or a bank's participation in the
FDIC's Debt Guarantee Program or Transaction Account Guarantee Program.

FFIEC 041

Page RC-27

Schedule RC-P-1-4 Family Residential Mortgage
Banking Activities
Schedule RC-P is to be completed by (1) all banks with $1 bilion or more in total assets' and (2) banks with less than $1 billon

in total assets at which either 1-4 family residential mortgage loan originations and purchases for resale2 from all sources, loan
sales. or quarter-end loans held for sale exceed $10 millon for two consecutive quarters.
Dollar Amounts in Thousands
1. Retail originations during the quarter of 1-4 family residential mortgage loans for
sale2:
a. Closed-end first liens.....................................................................................................................

junior liens..................................................................................................................
c. Open.end loans extended under lines of credit:
(1) Total commitment under the lines of credit .......................................................................
(2) Principal amount funded under the lines of credit............................................................
b. Closed-end

2. Wholesale originations and purchases during the quarter of 1-4 family residential
mortgage loans for sale:2
a. Closed-end first liens.....................................................................................................................

junior liens........................................................,..........................................................
c. Open-end loans extended under lines of credit:
(1) Total commitment under the lines of credit.... ......................................... ..........................
b. Closed-end

(2) Principal amount funded under the lines of credit...........................................................
3. 1-4 family residential mortgage loans sold during the quarter:
a. Closed-end first liens.....................................................................................................................

junior liens..................................................................................................................
c. Open-end loans extended under lines of credit:
(1) Total commitment under the lines of credit .......................................................................
(2) Principal amount funded under the lines of credit.................................................... .......
4. 1-4 family residential mortgage loans held for sale at quarter-end (included in
b. Closed-end

Schedule RC, item 4.a):
a. Closed-end first liens.....................................................................................................................

junior liens.................................,..,.............................................................................
c. Open.end loans extended under lines of credit:
(1) Total commitment under the lines of credit .......................................................................
(2) Principal amount funded under the lines of credit.................. .........................................
Noninterest income for the quarter
from the sale, securitization, and servicing of 1-4 family
residential mortgage loans (included in Schedule RI, items 5.f, 5.g, and 5.i):
b. Closed-end

a. Closed-end 1-4 family residential mortgage loans .......................................................................

b. Open.end 1-4 family residential mortgage loans extended under lines of credit ................
6. Repurchases and indemnifications of 1-4 family residential mortgage loans during the

quarter.
a. Closed.end first liens..................................................................................................................
b. Closed-end
junior liens...............................................................................................................

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

1.c.(2)

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

2.c.(2)

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

3.c.(2)

4.a.
4.b.
4.c.(1 )

4.c.(2)

5.a.
5.b.

6.a.
6.b.

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

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

1 The $1 bilion asset size test is generally based on the total assets reported on the June 30. 2001, Report of Condition.
2 Exclude originations and purchases of 1-4 family residential mortgage loans that are held for investment.

6.c.(1)
6.c.(2)

§J

1 Fair Value

(Column C)

Measurements

4.
5.

2.a.

1.
2.

Measurements

(Column E)

Level 3 Fair Value

(Column D)

Level 2 Fair Value

7. Loan commitments (not accounted for as
derivatives) ................. .................... .....................

Measurements

Level

i i

Total Fair Value
Reported on
Schedule RC

(Column A)

F air Value Measurements for Assets and Liabilities
under a Fair Value Option and Trading Assets and Liabilities
(Included in Schedule RC)

4. Deposits ...........,..................................................
5. Trading liabilities..................................................
6. All other financial
liabilities and servicing
liabilities,....,...,..,........,...........,. ............................

LIABILITIES

a. Nontrading securities at fair value with
changes in fair value reported in current
earnings (included in Schedule RC-Q,
item 2, above).................................................
3. All other financial assets and servicing assets....

2, Trading assets............................,........................

1. Loans and leases ................................................

ASSETS

Dollar Amounts in Thousands

servicing assets and liabilties

Schedule RC-Q is to be completed by banks that have ese,,'es H Si! ~ta'eFRent NO '57. "~¡;ir '''h ie ~Aea5' Ire",eAt~," aAs (1) have elected to account for financial instruments or
at fair value under a fair value option or (2) are required to complete Schedule RC-D- Trading Assets and Liabilties.

Schedule RC-Q-Financial Assets and Liabilities Measured at Fair Value

Page RC-28

FFIEC 041

FFIEC 04'

Schedule RC-R-Regulatory Capital

Page RC-29

§J

Dollar Amounts in Thousands RCON

Tier 1 capital b~tI~
1. Tota~apitai (from Schedule RC, item ~~.1.'.~....................................................................

2. 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)........ ........... .................. .................. ....................

3. LESS: Net unrealized loss on available-for-sale EQUITY securities' (report loss as a positive
value) .................................................................................................................................................
4. LESS: Accumulated net gains (losses) on cash flow hedges1 (if a gain. report as a positive
value; if a loss, report as a negative value)........................................................................................
5. LESS: Non ualifying perpetual preferred stock ..... .~.~!'.~t.r:~r!.':~;l-.............................................

4.
5.
6.

6. Qualifyin inority nterests in consoli ate su sidiaries............................ ............... .......................
7. a. LESS: isallowed goodwil and other disallowed intangible assets..................:...........................
b. LESS: Cumulative change in fair value of all financial
liabilities accounted for under a fair value
option that is included in retained earnings and is attributable to changes in the bank's own
creditworthiness (if a net gain. report as a positive value; if a net loss. report as a negative
value)............................................................................................................................................. F264
8. Subtotal (sum of items 1 and 6, less items 2, 3, 4, 5, 7.a. and 7.b) ...... ..................... ........................ C227
9. a. LESS: Disallowed servicing assets and purchased credit card relationships ............................... 8591

7.a.

7.b.
8.

9.a.
9.b.

b. LESS: Disallowed deferred tax assets .. ........................................................................................ 5610
10. Other additions to (deductions from) Tier 1 capital............................................................................ 8592

10.
11.

11. Tier 1 capital (sum of items 8 and 10. less items 9.a and 9.b)........................................................... 8274
Tier 2 capital
12. Qualifying subordinated debt and redeemable preferred stock .............................. ........................... 5306

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

13. Cumulative perpetual preferred stock includible in Tier 2 capital...................... ............ ..................... 8593
14. Allowance for loan and lease losses includible in Tier 2 capital......................................................... 5310
15. Unrealized gains on available-far-sale equity securities includible in Tier 2 capital........................... 2221
16. Other Tier 2 capital components ................ ........................................................ ................................ 8594

17. Tier 2 capital (sum of items 12 through 16).................................... .................... ................................

5311

18. Allowable Tier 2 capital (lesser of item 11 or 17)............................................................................... 8275

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

19.
20.
21.

20. LESS: Deductions for total risk-based capitaL........................... ....................................................... 8595

21. Total risk-based capital (sum of items 11, 18, and 19, less item 20) .................................................. 3792
Total assets for leverage ratio
22. Average total assets (from Schedule RC-K, item 9) ............ ............................................................. 3368
23. LESS: Disallowed goodwil and other disallowed intangible assets (from item 7.a above) .............. 8590
24. LESS: Disallowed servicing assets and purchased credit card relationships (from item 9.a above) 8591
25. LESS: Disallowed deferred tax assets (from item 9.b above)........................................................... 5610
26. LESS: Other deductions from assets for leverage capital purposes...... ........................................... 8596
27. Average total assets for leverage capital purposes (item 22 less items 23 through 26) ................... A224

22.
23.
24.
25.
26.
27.

Adjustments for financial subsidiaries
28. a. Adjustment to Tier 1 capital reported in item 11 ............................................................................ C228
b. Adjustment to total risk-based capital reported in item 21. ........... ............................................... B503
29. Adjustment to risk-weighted assets reported in item 62..........................:......................................... B504
30. Adjustment to average total assets reported in item 27............ .............. ......................... ................. 8505

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

Capital ratios

(Column B is to be completed by all banks. Column A is to be completed by
banks with financial subsidiaries.)

(Column B)

(Column A)
RCON

31. Tier 1 leverage rati02..........................,......,............,.................................... 7273
32. Tier 1 risk-based capital rati03..................................................................... 7274
33. Total risk-based capital rati04 ..... .......... ................... ......... ............ ............... . 7275

-.- -- -- -.---- -.-.-.- - - -.- Percentage

RCON

Percentage

7204
7206
7205

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

2 The ratio for column 8 is item 11 divided by item 27. The ratio for column A is item 11 minus item 28.a divided by (item 27 minus item 30).
3 The ratio for column B is item 11 divided by item 62. The ratio for column A is item 11 minus item 28.a divided by (item 62 minus ilem 29).
4 The ratio for column 8 is item 21 divided by item 62. The ratio for column A is ilem 21 minus item 28.b divided by (item 62 minus item 29).

31.
32.
33.

36.

38.

39.
40.
41.
42.
43.

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

39, Loans and leases, net of unearned income ......................

40. LESS: Allowance for loan and lease losses ......................

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

42. All other assets' ................................................................

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

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

37.

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

37. Federal funds sold and securities purchased under

36. Available-for-sale securities ..............................................

(Column F)

35.

Allocation by Risk Weight Category

(Column D) I (Column E)

35. Held-to-maturity securities ................................................

(Column C)

34.

Risk-Weighting

(Column B)
Items Not
Subject to

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

Balance Sheet Asset Categories

Dollar Amounts in Thousands

(from
Schedule RC)

(ColumnA)
Totals

Banks are not required to risk-weight each on-balance sheet asset and the credit equivalent amount of each off-balance sheet item that qualifies for a risk weight of less than
100 percent (50 percent for derivatives) at its lower risk weight. When completing items 34 through 54 of Schedule RC-R, each bank should decide for itself how detailed a
risk-weight analysis it wishes to perform. In other words. a bank can choose from among its assets and off-balance sheet items that have a risk weight of less than 100 percent
which ones to risk-weight at an appropriate lower risk weight. or it can simply risk-weight some or all of these items at a 100 percent risk weight (50 percent for derivatives).

Schedule RC-R-Continued

Page RC.30

FFIEC 04'

44.

54,

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

3 Or institution-specific factor.

2 For financial standby leiters of credit

1 Column A multiplied by credit conversion factor.
to which the low-level exposure rule applies, use a credit conversion factor of 12.5 or
an institution-specific factor. For other financial standby leiters of credit, use a credit conversion factor of 1.00. See instructions for further information.

53.

52.

51.

50.

maturity exceeding one year ........ ........

53. Unused commitments with an original

liabilties...,.....,....,....,............................

dollar-for-dollar capital requirement .....
51. All other financial assets sold with
recourse ..,.,..........................................
52. All other off-balance sheet

rule and residual interests subject to a

50. Recourse and direct credit substitutes
(other than financial standby letters of
credit) subject to the low-level exposur

46.

45.

49.

(Column F)

48.

(Column C) I (Column D) I (Column E)
Allocation by Risk Weight Category

49. Retained recourse on small business
obligations sold with recourse........ ......

Amount1

Credit
Equivalent

(Column B)

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

Credit
Conversion
Factor

47.

Amount

or Notional

Face Value

(Column A)

Derivatives and Off-Balance Sheet Items
44. Financial standby letters of credit........
45. Penormance standby letters of
credit ....................................................
46. Commercial and similar letters of
credit ..........................................,.........
47. Risk participations in bankers
acceptances acquired by the reporting
institution ..........,...................,...............

Dollar Amounts in Thousands

Schedule RC-R-Continued

§J

Page RC-31

FFIEC 041

Dollar Amounts in Thousands

61.
62.

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

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

AOOO

Trill Bil I Mil

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

(2) Subinvestment grade........................... ......... ....... ............. ........... ..... .... ..... .....

(1) Investment grade................................ ...................... ........... ................ ..........

g. Credit derivative contracts:

f. Equity derivative contracts ...................................................................................

e. Other commodity contracts .................................................................................. 8777

c, Gold contracts .................,.................................................................................... 8771
d. Other precious metals contracts........................................................................... 8774

b. Foreign exchange contracts................................................................................. 3812

RCON I
2. Notional principal amounts of derivative contracts:'
a. Interest rate contracts...............,........................................................................... 3809

Thou

(Column C)

Over five years

One year or less

RCON I Trill Bil I Mil

8767
8770
8773
8776
8779
AOO2

RCON ~ Bil I Mil I Thou
8766
8769
8772
8775
8778
A001

Over one year
through five years

(Column A)

i (Column B) i

With a remaining maturity of

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

§J

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

M.2.f.

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

M.1

60.

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

Memoranda

59.

57.

55.
56.

allocated transfer risk reserve (sum of item 57, columns C through F, and item 58) ..................

Thou

(Column F)

58.

Dollar Amounts in Thousands

(Column C) I (Column D) I (Column E)
Allocation by Risk Weight Category

Page RC-32

FFIEC 041

58. Market risk equivalent assets.................,.......................,............................................................
59. Risk-weighted assets before deductions for excess allowance for loan and lease losses and

55. Total assets, derivatives, and off-balance sheet items by risk weight category (for each
column, sum of items 43 through 54) ..........................................................................................
56. Risk weight factor.............,....,..".................................................................................................
57. Risk-weighted assets by risk weight category (for each column, item 55 multiplied by
item 56) .........,..,......,...................................................................................................................

Totals

Schedule RC-R-Continued

Credit
Card

Home
Equity
Lines

4.a.
4.b.

5.a.
5.b.

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

2.c,

c. Standby letters of credit and
other enhancements.........................
3. Reporting bank's unused commitments to provide liquidity to structures
reported in item 1 .............. ........... .........
4. Past due loan amounts included in
item 1:
a. 30-89 days past due ........................

2.b.

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

Loans

and Industrial

Other
Consumer
Loans

Auto

Loans

(Column G)

All Other Loans,
All Leases, and
All Other Assets

(Column F)

Commercial

(Column E)

(Column D)

2.a.

Receivables

(Column C)

(Column B)

Page RC-33

1. Outstanding principal balance of
assets sold and securitized by the
reporting bank with servicing retained
or with recourse or other sellerprovided credit enhancements..............
2. Maximum amount of credit exposure
arising from recourse or other sellerprovided credit enhancements
provided to structures reported in
item 1 in the form of:
a. Credit-enhancing interest-only strips
(included in Schedules RC-B or
RC-F or in Schedule RC, item 5)......

Bank Securitization Activities

Dollar Amounts in Thousands

Residential
Loans

1-4 Family

(ColumnA)

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

FFIEC 041

Loans

Other
Consumer
Loans
Loans

and Industrial

(Column F)

Commercial

(Column E)

(Column G)

All Other Loans,
All Leases, and
All Other Assets

6.b.

6,a.

securitization structures.. .....................

9. Maximum amount of credit exposure
arising from credit enhancements
provided by the reporting bank to other
institutions' securitization structures in
the form of standby letters of credit,
purchased subordinated securities,
and other enhancements ...... ....... ........
10. Reporting bank's unused commitments
to provide liquidity to other institutions'

Institutions

10.

8.b.

b. Recoveries ...... ...... ..........................

For Securitization Facilties Sponsored
By or Otherwise Established By Other

8,a.

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

8. Charge-offs and recoveries on loan

7.b.

Equity
Lines

Residential
Loans

Auto

(Column D)

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

Credit
Card
Receivables

Home

1-4 Family

7.a.

(Column C)

(Column B)

(ColumnA)

a. 30-89 days past due.......................

Schedule RC-B or in Schedule RC,
item 5) .............................................
b. Loans (included in
Schedule RC-C) ........ ......................
7. Past due loan amounts included in
interests reported in item 6.a:

a. Securities (included in

interests carried as:

6. Amount of ownership (or seller's)

Dollar Amounts in Thousands

Schedule RC-S-Continued

Page RC-34

FFIEC 041

and Industrial

loans

Other
Consumer

loans

(Column G)

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

(2) Conduits sponsored by other unrelated institutions................ ........ ......................... ................... ........................ ............ ....... .................. .....

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

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

b. Unused commitments to provide liquidity to conduit structures:
(1) Conduits sponsored by the bank, a bank affliate, or the bank's holding company ...................................................................................... B808
(2) Conduits sponsored by other unrelated institutions.... ....... .....,.......................... ....................................,................ .............. ............. ............ B809
4. Outstanding credit card fees and finance charges included in Schedule RC-S, item 1, column C2.....:..................,............................................... C407

M.2.d.

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

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

§J

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

and open-end loans) ....,.............................,....,.................................................................................................................................................
3. Asset-backed commercial paper conduits:
a. Maximum amount of credit exposure arising from credit enhancements provided to conduit structures in the form of standby letters of
credit, subordinated securities, and other enhancements:

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

1. Small business obligations transferred with recourse under Section 208 of the Riegle Community Development and Regulatory Improvement
Act of 1994:
a. Outstanding principal balance .............................................................................................................................................................................1 A249
b. Amount of retained recourse on these obligations as of the report date............................................................................................................. A250
2. Outstanding principal balance of assets serviced for others (includes participations serviced for others):
a. Closed-end 1-4 family residential mortgages serviced with recourse or other servicer-provided credit enhancements....................................
b. Closed-end 1-4 family residential mortgages serviced with no recourse or other servicer-provided credit enhancements...............................
c. Other financial assets (includes home equity lines)'...........................................................................................................................................

Memoranda

12.

All Other loans,
All leases, and
All Other Assets

11.

Dollar Amounts in Thousands

(Column F)

Commercial

(Column E)

bank .....................................................

loans

Auto

Credit
Card
Receivables

Home
Equity
Lines

1-4 Family

Residential

(Column D)

(Column C)

(Column B)

(ColumnA)

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

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

Bank Asset Sales

Dollar Amounts in Thousands

Schedule RC-S-Continued

Page RC.35

FFIEC 041

Page RC.36

Schedule RC- T -Fiduciary and Related Services
i.1i3 12 threttgR 18, items 20 U:lrewgR 33, eFlE! .lIei:eraFllttt.. ile.. 4 ..ill ..al he ",elts a'ieilellle le
~he "wllli~ Qn an iREli"iElwel iFlSlilwlieFl hesi!h

1. Does the institution have fiduciary powers? (If "NO:' do not complete Schedule RC- T.) ........................

2. Does the institution exercise the fiduciary powers it has been granted? ...............................................

3. Does the institution have any fiduciary or related activity (in the form of assets or accounts) to report RCON
in this schedule? (If "NO:' do not complete the rest of Schedule RC-T.) ................................................ 8867

If the answer to item 3 is "YES,. complete the applicable items of Schedule RC- T, as follows:

Institutions with total fiduciary assets (item 9, sum of columns A and B) greater than $250 milion (as of the preceding
December 31) or with gross fiduciary and related services income greater than 10% of revenue (net interest income plus
noninterest income) for the preceding calendar year must complete:
. Items 4 through 19 quarterly,

. Items 20 through 23 annually with the December report, and

. Memorandum items 1 through 4 annually with the December report.
Institutions with total fiduciary assets (item 9, sum of columns A and B) greater than $100 millon but less than or equal to
$250 millon (as of the preceding December 31) that do not meet the fiduciary income test for quarterly reporting must complete:
. Items 4 through 23 annually with the December report. and
. Memorandum items 1 through 4 annually with the December report.
Institutions with total fiduciary assets (item 9, sum of columns A and B) of $100 milion or less (as of the preceding December 31)
that do not meet the fiduciary income test for quarterly reporting must complete:
. Items 4 through 10 annually with the December report, and

. Memorandum items 1 through 3 annually with the December report.

(ColumnA)
Managed

(Column B)

(Column C)

Non-Managed

Number of

Assets

Managed
Accounts

Non-Managed
Accounts

(Column D)

Dollar Amounts in Thousands
FIDUCIARY AND RELATED ASSETS

4. Personal trust and agency accounts......
5. Retirement related trust and agency
accounts:
a. Employee benefit-defined

RCON B874

RCON 8875

RCON B878

RCON 8879

RCON B882

RCON B883

RCONCoo1

RCON COO2

contribution............ ............................
b. Employee benefit-defined

5.a.

benefit........................:......................

5.b.

c. Other retirement accounts.............. ...

6. Corporate trust and agency accounts....
7. Investment management agency
accounts.................................................

S.c.
6.
RCON B888

7.
RCON 8892

8. Other fiduciary accounts........................
9. Total fiduciary accounts

8.
RCON B896

RCON B897

(sum of items 4 through 8) .....................
RCON B899

10. Custody and safekeeping accounts.......
11. Not applicable

10.

FFIEC 041

Page RC.37

§J

Schedule RC- T -Continued

FIDUCIARY AND RELATED SERVICES INCOME
12. Personal trust and agency accounts.............................................................................................. B904

12.

13. Retirement related trust and agency accounts:
a. Employee benefit-defined contribution..............................................,.,................................... 8905
b. Employee benefit-defined benefit ............... ................................. .... ....................................... 8906

13,a.
13.b.
13.c.

c. Other retirement accounts......................................................................................................... 8907
14. Corporate trust and agency accounts .............................................. ..................... ......................... A479
15. Investment management agency accounts..................... ............................................................... 8908
16. Other fiduciary accounts................................................................................................................ A480
17. Custody and safekeeping accounts ...................................................................................... ......... 8909

14.
15.
16.
17.
18.

18. Other fiduciary and related services income .................................................................................. 8910
19. Total gross fiduciary and related services income (sum of items 12 through 18) (must equal

Schedule RI. item 5.a)..................................................................................................................,. 4070

19.
20.
21.
22.
23.

20. Less: Expenses.................................................................,............................................................ C058
21. Less: Net losses from fiduciary and related services..................................................................... A488

22. Plus: Intracompany income credits for fiduciary and related services .............. ............................. 8911
23. Net fiduciary and related services income..................................................................................... A491

Managed Assets

Memoranda

Dollar Amounts in Thousands

1. Managed assets held in personal trust and agency accounts:
a. Noninterest-bearing deposits ..........................................................................................,........ 8913
b. Interest-bearing deposits.....................,.................................................................................... 8914
c. U.S. Treasury and U.S. Government agency obligations......................................................... 8915
d. State. county and municipal obligations................................................................................... 8916
e. Money market mutual funds................................................................................................,.... 8917
f, Other short-term obligations..................................................................................................... 8918
g. Other notes and bonds............................................................................................................. 8919
h. Common and preferred stocks .............................. ...................... ..... ........................................ 8920

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

M.1..
M.1.g.
M.1.h.
M.1.i.
M.1.j.
M.1.k.

i. Real estate mortgages............................................................................................................. 8921
j. Real estate ......................,..,.........,......,.................................................................................... 8922
k. Miscellaneous assets ......................................................................................................,........ B923
i. Total managed assets held in personal trust and agency accounts (sum of Memorandum
items 1.a through 1.k) (must equal Schedule RC-T, item 4. column A)....................................

(Column A)
Number of

Issues
Dollar Amounts in Thousands

M.1.i.

(Column B)

Principal Amount
Outstanding
Thou

2. Corporate trust and agency accounts:
a. Corporate and municipal trusteeships............................................................... 8927
b. Transfer agent. registrar. paying agent. and other corporate agency....... ........ 8929

M.2.a.
M.2.b.

FFIEC 041

Page RC.38

Schedule RC- T -Continued
(ColumnA)

Memoranda-Continued

Number of

(Column B)
Market Value of

Funds

Fund Assets

Dollar Amounts in Thousands

3. Collective investment funds and common trust funds:
a. Domestic equity ................ ................................................ ............ ................ B931
b. International/Global equity............................................................................ B933
c. Stock/Bond blend......................................................................................... B935
d. Taxable bond ........,....................................................................................... B937
e. Municipal bond ....................................... ...................................................... B939
f. Short term investments/Money market....................................................... B941
g. Specialty/Other...................,......................................................................... B943
h. Total collective investment funds (sum of Memorandum items 3.a
through 3.g) ...... ........................ ........ ............................................... ............. B945

Thou

B932
B934
B936
B938
B940
B942
B944

M.3.a.
M.3.b.
M.3.c.
M.3.d.
M.3.e.
M.3.f.

M.3.g.
M.3.h.

(ColumnA)

(Column B)

(Column C)

Gross Losses
Managed

Gross Losses

Recoveries

Accounts

Non-Managed
Accounts

Dollar Amounts in Thousands
4. Fiduciary settlements, surcharges, and other losses:

M.4.a.
M.4.b.
M.4.c.
M.4.d.

a. Personal trust and agency accounts ........................................

b. Retirement related trust and agency accounts.........................
c. Investment management 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 21) ..........................................................

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)

Telephone: Area code/phone number/extension (TEXT B963)

FAX: Area code/phone number (TEXT B_)

FFIEC 041

Page RC-39

Optional Narrative Statement Concerning the Amounts
Reported in the Reports of Condition and Income

§J

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 avail-

the bank's statement both on agency computerized records and in
computer-file releases to the public.

able to the public. along with the publicly available data in the Reports

of Condition and Income. in response to any request for individual

All information furnished by the bank in the narrative statement
must be accurate and not misleading. Appropriate efforts shall be

bank report data. loe..e.er. the ifllerA'ati9R Fepoi:ed iR ~Gl:edule

taken by the submitting bank to ensure the statement's accuracy.

RC T. iteA's 12 tI:F9"'~1: HI, itei:i ~g tI:F9"'~1: 21, aRd Uei:oraRd'lR'

The statement must be signed. in the space provided below, by a

~tp 4, is FegaFded as GORiiEl9Rtiai aRE! wil Rot be FeleEl&ed to tl:e

senior offcer of the bank who thereby attests to its accuracy.

fM. BANKS CHOOSING TO SUBMIT

THE NARRATIVE STATE-

MENT 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 IN SCHEDULE RC-T,
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."

If. subsequent to the original submission. material changes are
submitted for the data reported in the Reports of Condition and

Income. the existing narrative statement wil be deleted from the
files. and from disclosure; the bank, at its option, may replace it with
a statement, under signature, 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 750character limit described above). THE STATEMENT WILL NOTBE
EDITED OR SCREENED IN ANY WAY BY THE SUPERVISORY

The optional statement must be entered on this sheet. The state-

AGENCIES FOR ACCURACY OR RELEVANCE. DISCLOSURE

ment should not exceed 100 words. Further. regardless of the

OF THE STATEMENT SHALL NOT SIGNIFY THAT ANY FEDERAL

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

SUPERVISORY AGENCY HAS VERIFIED OR CONFIRMED THE
ACCURACY OF THE INFORMATION CONTAINED THEREIN. A
STATEMENT TO THIS EFFECT WILL APPEAR ON ANY PUBLIC
RELEASE OF THE OPTIONAL STATEMENT SUBMITIED BY
THE MANAGEMENT OF THE REPORTING BANK.

Comments? ,................,..........................,...............................,....................................................................................
BANK MANAGEMENT STATEMENT (please type or print clearly):
(TEXT 6980)

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Author	rstorch
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