FFIEC 031 Dec.2009 -Consolidated Reports of Condition and Income f

Consolidated Reports of Condition and Income (Call Report)

1209x FFIEC 031 Draft 012809

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⚠️ Notice: This form may be outdated.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
Expires May 31. 2009

Federal Financial Institutions Examination Council

Please refer to page i.
Table of Contents. for
the required disclosure

of estimated burden.

Consolidated Reports of Condition and Income for
A Bank With Domestic and Foreign Offices-FFIEC 031
Report at the close of business December 31, 2Ø ~2Q98123'4 (2001 11. "31)
i. Cl'1 (RCON 99)
This report is required by law: 12 U.S.C. §324 (State member banks); This report form is to be filed by banks with branches and consolidated

12 U.S.C. §1817 (State nonmember banks); and 12 U.S.C. §161 subsidiaries in U.S. territories and possessions, Edge or Agreement

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

We, the undersigned directors (trustees), attest to the correctness of
the Reports of Condition and Income (including the supporting schedules) for this report date and declare that the Reports of Condition and
Income have been examined by us and to the best of our knowledge
and belief have been prepared in conformance with the instructions
issued by the appropriate Federal regulatory authority and are true
and correct.

Director (Trustee)

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:

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

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

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

completed signature page (or a photocopy or a computer-

generated version of this page) to the hard-copy record of the data file
submitted to the CDR that your bank must place in its files.

The appearance of your bank's hard-copy record of the submitted
data file need not match exactly the appearance of the FFIEC's
sample report forms, but should show at least the caption of each
Call Report item and the reported amount.

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

tronic format that can be processed by the CDR. The softare
vendor or other party then must electronically submit the bank's
data file to the CDR.
For technical assistance with submissions to the CDR, please contact
the CDR Help Desk by telephone at (888) CDR-3111, by fax at (703)

Legal Title of Sank (RSSD 9(17)

774-3946, or bye-mail at CDR.Help(Qffiec.gov.
City (RSSD 9130)

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

FDIC Certificate Number

State Abbrev. (RSSD 9200)

ZiP Code IRSSD 9220)

I I I I
(RSS09050)

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

FFIEC 031

Pagei

Consolidated Reports of Condition and Income for
A Bank With Domestic and Foreign Offices
Table of Contents

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

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

Schedule RI-A-Changes in",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 RC-C-Loans and Lease Financing

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

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

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

Schedule RI-D-Income from Foreign Offices .............RI-6

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

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

Schedule RC-H-Selected Balance Sheet Items
for Domestic Offices............................................. RC-17

Report of Condition

Schedule RC-I-Assets and Liabilities of IBFs......... RC-17

Schedule RC-Balance Sheet ............................... RC-1, 2

Schedule RC-K-Quarterly Averages ...................... RC-18

Schedule RC-L-Derivatives and

. Schedule RC-A-Cash and Balances Due
From Depository Institutions.................. ................ RC-3

Off-Balance Sheet Items ............ .................... RC-19, 20

Schedule RC-B-Securities ........................... RC-3, 4, 5, 6

Schedule RC-M-Memoranda .................... ....... RC-21, 22
Schedule RC-N-Past Due and Nonaccrual

Loans, Leases, and Other Assets............ RC-23, 24, 25
Disclosure of Estimated Burden

"50

The estimated average burden associated with this information ~oiiection is

'1/. t o4 hours per respondent and is estimated to vary from 16 tO~hours per

response. depending on individual circumstances. Burden estimates include the

time for reviewing instrctions. gathering and maintaining data in the required form.

and completing the information collection, but exclude the time for compiling and
maintaining business records in the normal course of a respondent's activities. A
Federal agency may not conduct or sponsor. and an organization (or a person) is not
required to respond to a collection of information. unless it displays a currently valid
OMB control number. Comments concerning the accuracy of this burden estimate
and suggestions for reducing this burden should be directed to the Offce of Informa-

tion and Regulatory Affairs. Office of Management and Budget, Washington. D.C.
20503. and to one of the following:

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

Schedule RC-P-1-4 Family Residential
Mortgage Banking Activities in Domestic
Offices (to be completed only by selected
banks) .................................................................. RC-27

Schedule RC-Q Fii;aR8iel Assets and 011 (À Ru",..,.'tI~ ßcui'~
Liabilities Measured at Fair Value~ be
completed only by selected banks) .......... ............ RC-28

Schedule RC-R-Regulatory Capital........... ..... RC-29, 30,

31,32

Secretary
Board of Governors of the Federal Reserve System

Washington. D.C. 20551
Legislative and Regulatory Analysis Division
Office of the Comptroller of the Currency

Washington. D.C. 20219

Assistant Executive Secretary
Federal Deposit Insurance Corporation

Washington. D.C. 20429

Schedule RC-S-Servicing, Securitization,
and Asset Sale Activities .......................... RC-33, 34, 35
Schedule RC- T -Fiduciary and Related

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

Optional Narrative Statement Concerning
the Amounts Reported in the Reports
of Condition and Income...................................... RC-39

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 031

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 reports for this quarter and (2) the person at the bank-other than the Chief Finan-

cial Ofcer (or equivalent) - to whom questions about the reports 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 contacts 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 Reports
Should be Directed
Name (1XT C490)

Name (1XT C495)

Tille (TEXT C491)

Title (1XT C496)

E-mail Address (1XT C492)

E-mail Address (1XT 40S)

Telephone: Area coe/phone number/extension (TEXTC493)

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

FAX: Area coe/phone number (1XTC494)

FAX: Area coe/phone number (TEXT 9116)

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

Primary Contact Secondary Contact
Name (TEXT C366)

Name (TEXT C371)

Title (TEXT C367)

Title (TEXT C372)

E-mail Address (1XT C368)

E-mail Address (1XT C373)

Telephone: Area coe/phone number/extension (TEXT C389)

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

FAX: Area coe/phone number (TEXT C370)

FAX: Area code/phone number (TEXT C375)

FFIEC 031
Page

iii

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

IS I re uested to identify points-of-contact who are in charge of your depository institution's Secton 314 0 coul
law enforce . 'onal information related to anti-terro . an -money laundering. Please provide

be contacted by federal

information for a secondary contact if available. Information for a a be provided at the bank's option. Enter "none" for the

contact's e-mail address or fax num' . A PATRIOT Act contact information is for e . the Agencies and the Financial Cri e ork (FinCEN) and wil not be released to the public.

Primary Contact

Secondary Contact

Name (TXT C437)

Name (TXT (42)

Title (TEXT C438)

Title (TEXT (43)

E-mail Address (TXT C439)

E-mail Address (TEXT (4)

Telephone: Area coe/phone number/extension (TXT (40)

Telephone: Area coe/phone number/extension (TXT (45)

fiE, "ica eodelplicPle P1tt1í88F (i!JW 844l)

fit Ai ce weolpl lUi 16 i iu:' ibo: (' EX' 0446)

Third Contact

Fourth Contact

Name (TXT ca70)

Name (TEXT ca75)

Title (TT ca7l)

Title (TEXT ca76)

E-mail Address (TXT ca72)

E-mail Address (TXT ca77)

Telephone: Area coe/phone number/extension (TXT C673)

Telephone: Area coe/phone number/extension (TXTca78)

"J!. Ai a6 roe/pi 10: ie I :tll' :hcr (I)t' eM")

FA. "r6e eeøe/lJM8A8 """,her fi1T Bli')

This information is being requested to identify points-of-contact who are in charge of your bank's
USA PATRIOT Act Section 314(a) information requests. Bank personnel

listed could be contacted

by law enforcement officers or the Financial Crimes Enforcement Network (FinCEN) for additional
information related to specific Section 314(a) search requests or other anti-terrorist financing and
anti-money laundering matters. Communications sent by FinCEN to the bank for purposes other than
Section 314(a) notifications will state the intended purpose and should be directed to the appropriate
bank personnel for review. Any disclosure of customer records to law 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 offcers and
wil not be released to the public.

FFIEC 031

Page RI-1

Consolidated Report of Income
for the period January 1, 2008 SQpt9mber 30, 2008 2. 001 - j) ec~VY be,- 3 I) 2009

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

Schedule RI-Income Statement
1. Interest income:
a. Interest and fee income on loans:

(1) In domestic offces:
(a) Loans secured by real estate:
(1) Loans secured by 1-4 family residential properties.............................................
(2) All other loans secured by real estate ...................................................................
(b) Loans to finance agricultural production and other loans to farmers ...............................
(c) Commercial and industrial

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

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

(d) Loans to individuals for household, family, and other personal expenditures:

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

1.a.(1 )(d)(1)

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

plans other than credit cards).................................................................................... 8486
(e) Loans to foreign governments and offcial institutions...................................................... 4056
(f) All other loans in domestic offces ........ ............ ........ ................... ..................... ...... .......... B487
(2) In foreign offices, Edge and Agreement subsidiaries, and IBFs ............................................. 4059
(3) Total interest and fee income on loans (sum of items 1.a.(1 )(a) through 1.a.(2)) ................... 4010
b. Income from lease financing receivables ...................................................................................... 4065
c. Interest income on balances due from depository institutions1 ..................................................... 4115
d. Interest and dividend income on securities:

1.a.(1 )(d)(2)
1.a.(1 )(e)

1.a.(1 )(f)

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

(1) U.S. Treasury securities and U.S. Government agency obligations (excluding
mortgage-backed securities)...................................................................................................

1.d.(1 )

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

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.(3) through 1.g)............................................................... 4107
2. Interest expense:

1.d.(3)
1.e.

1.g.
1.h.

a. Interest on deposits:

(1) Interest on deposits in domestic offces:
(a) Transaction accounts (NOW accounts, ATS accounts, and telephone and

preauthorized transfer accounts)......................................................................................

2.a.(1 )(a)

(b) Nontransaction accounts:

(1) Savings deposits '(includes MMDAs).......................................................................... 0093
(2) Time deposits of $100,000 or more ........................................................................... A517
(3) Time deposits of less than $100,000 ......................................................................... A518

(2) Interest on deposits in foreign offces, Edge and Agreement subsidiaries, and IBFs ............. 4172
b. Expense of federal funds purchased and securities sold under agreements to repurchase......... 4180
c. Interest on trading liabilities and other borrowed money............................................................... 4185

1 Includes interest income on lime certificates of deposit not held for trading.

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

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

FFIEC 031

Page RI-2

Schedule RI-Continued
Dollar Amounts in Thousands

2. Interest expense (continued):
d. Interest on subordinated notes and debentures...................................... 4200

e. Total interest expense (sum of items 2.a through 2.d) ............................ 4073
3. Net interest income (item 1.h minus 2.e) .....................................................
4. Provision for loan and lease losses..............................................................
5. Noninterest income:

a. Income from fiduciary activities1..............................................................
b. Service charges on deposit accounts in domestic offices.... ...... ..... ........ 4080
c. Trading revenue2..................................................................................... A220
d. (1) Fees and commissions from securities brokerage............................ C886

(2) Investment banking, advisory, and underwriting fees and
commissions ......... ....... ..... .......... ............... .......... ..... ..... .......... ... ...... C888
(3) Fees and commissions from annuity sales ....................................... C887
(4) Underwriting income from insurance and reinsurance
activities............................................................................................ C386

(5) Income from other insurance activities.............................................. C387
e. Venture capital revenue........................................................................... B491

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

3.
4.

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

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

5.g.

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).......... B496

i. Other noninterest income"... ....... ................ ................. ................... ......... B497
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) ........ 4217
c. (1) Goodwil impairment losses .............................................................. C216
(2) Amortization expense and impairment losses for other
intangible assets....................................................... ........................ C232
d. Other noninterest expense" ..................................................................... 4092
e. Total noninterest expense (sum of items 7.a through 7.d) ......................
8. Income (loss) before income taxes and extraordinary items and other
adjustments (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e)..............

9. Applicable income taxes (on item 8) ............................................................

7.e.
8.
9.

10. Income (loss) before extraordinary items and other adjustments

(item 8 minus item 9).................................... ................................... .............
11. Extraordinary items and other adjustments, net of income taxes" ...............

~ ~~~;~~~"~':.~" IN SEft T A
. Descrbe on Schedule RI-E-Explanations
1 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 8.e.

INSERT A - FFIEC 031
12. Net income (loss) attributable to bank and noncontrollng
(minority) interests (sum of items 10 and 11) .... .........................
13. LESS: Net income (loss) attributable to noncontrolling
(minority) interests (if net income, report as a positive value; if
net loss, report as a negative value) ..........................................
14. Net income (loss) attributable to bank (item 12 minus item 13)

FFIEC 031

Page RI-3

Schedule RI-Continued
JItWforal'dw.. ,/-". 1 it ~ be (A¡"'l!d'~J hy bti,.ki w;lJ
Memoranda ~ I billion Or mora '" f-nf,1 (Mit n. 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 in domestic offces

M.1.

(included in Schedule RI, item 8) .......................................................................................................
3. Income on tax-exempt loans and leases to states and political subdivisions in the U.S.

M.2.

(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.3.

(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) ... ............. ............ ....... .... ... ...... .................... ..... ..... ... ........ ... ........ ... ... ... ... .... ....... ..... ...

MA.
M.5.

6. Not applicable

the reporting bank has restated its balance sheet as a result of applying push down
accounting this calendar year. report the date of the bank's acquisition'" .~.............................

7. If

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 for any
quarter of the preceding calendar year.):
a. Interest rate exposures..................................................................................................................
b. Foreign exchange exposures ........................................................................................................
c. Equity security and index exposures...............................;.............................................................

d. Commodity and other exposures ..................................................................................................
e. Credit exposures ...........................................................................................................................
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...............................
10. Credit losses on derivatives (see instructions) ...................................................................................

RIAD

Bil

Mil

Thou

8757
8758
8759
8760
F186

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

M.8.a.
M.8.b.
M.8.c.
M.8.d.
M.8.e.

M.9.a.
M.9.b.
M.10.

M.11.

Memorandum item 12 is to be completed by banks that are required to complete Schedule

RC-C, part i, Memorandum items B.b and B.C.
12. Noncash income from negative amortization on closed-end loans secured by 1-4 family

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

M.12.

Memorandum item 13 is to be completed by banks that have elected to account for assets
and liabilties 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 )

i., For example. a bank acquired on March 1. 2008, would report 20080301.

I T¡,(. 'I ",llio,. "Jul- .ni.e l-f ,1 '~r1u",'I, fxi~ 0" Kf! -hh.1 t:S.cJ-z rtlDrt-uJ ,'.. fle 'J",~ 30,2.Ioc,gl
f(l.t-'-"" "t Ccmdi'f'o...

B4"k

FFIEC 031

Schedule RI-A-Changes in ",Equity Capital
Indicate decreases

and losses in parentheses.

Page RI-4

Dollar Amounts in Thousands

1. Total equity capital most recently reported for the December 31, 20ól, Reports of Condition
1\
and Income (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 (ioss)tust equal Schedule RI, item ~1!i)..~.~t.r.!'.,.wl:.4\b.k.:l..lMo:k............

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

transactions)....................................................................................................................................... B509

B511

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

4415

11.

6. Treasury stock transactions, net ........................................................................................................ B510

7. Changes incident to business combinations, net..............................................................................
8. LESS: Cash dividends declared on preferred stock. ..........................................................................
9. LESS: Cash dividends declared on common stock ...........................................................................
10. Other comprehensive income1...........................................................................................................
1 ther transactions with parent holding company. (not included in items 5, 6, 8, or 9 above) ...........

4356
4470
4460

12. Total equity capital end of current period (sum of items 3 through 11) (must equal
Schedule RC, item ~..i..1..A..)..........................................................................................................

12.

""11k.

. Oescnbe on Schedule RI-E-Explanations.

1 Indudes changes in net unrealized holding gains (losses) on available-for-sale securities, changes in accumulated net gains (losses) on cash
flow hedges, foreign currency translation adjustments. and pension and other postretirement plan-related changes other than net penodic

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 in domestic

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

1.a.(1 )

1.a.(2)

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

1.b.

b. Secured by farmland in domestic offces............. ...................... ..... ......... 3584
c. Secured by 1-4 family residential properties in domestic offces:
(1) Revolving, open-end loans secured by 1-4 family residential
properties and extended unaer 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 in domestic

1.c.(1 )

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

offces ..................................................................................................... 3588
e. Secured by nonfarm nonresidential properties in domestic offices:

(1) Loans secured by owner-occupied nonfarm nonresidential
properties............................................................................. ........... C895

1.e.(1 )

(2) Loans secured by other nonfarm nonresidential properties...... C897
f. In foreign offices ...................................................................................... B512
2. Loans to depository institutions and acceptances of other banks:
a. To U.S. banks and other U.S. depository institutions............................... 4653

1.e.(2)

b. To foreign banks .............. ....................... ................................................. 4654

3. Loans to finance agricultural production and other loans to farmers ........... 4655
i Include wnte-downs arising from transfers of loans to a held-for-sale account.

4663
4664
4665

2.a.
2.b.
3.

FFIEC 031

Page RI-5

Schedule RI-B-Continued
Part I. Continued
Dollar Amounts in Thousands
4. Commercial and industrial

loans:

4.a.
4.b.

a. To U.S. addressees (domicile)................................................................. 4645
b. To non-U.S. addressees (domicile).......................................................... 4646
5. Loans to individuals for household, family, and other personal

expenditures:
5.a.

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

b. Other (includes single payment, installment, all student loans, and
5.b.

revolving credit plans other than credit cards)........................................

6.
7.

6. Loans to foreign governments and offcial institutions .......... ......................
7. All other loans .............................................................................................
8. Lease financing receivables:
a. Leases to individuals for household, family, and other personal
expenditures........................................................................................... F185

b. All other leases .............. .............. ............ .............. ............. ............. ....... C880
9. Total (sum of items 1 through 8).................................................................. 4635

F187
F188
4605

8.a.
8.b.
9.

(Column B)

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. Loans secured by real estate to non-U.S. addressees (domicile)

M.1.
M.2.

(included in Schedule RI-B, part i, item 1, above).......................................
3. Not applicable

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

1 Include write-downs arising from transfers of loans to a held-for-sale account.

Calendar ~ ear-to-date
RIAD1 Bil
C388

T Mil I Thou
I

MA.

Schedule RI-B-Continued

FFIEC 031

Page RI-6

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 (Le., after adjustments from amended Reports of Income)............................................
2. Recoveries (must equal part I, item 9, column B, above) ..................................................................
3. LESS: Charge-offs (must equal part I, item 9, column A, above less Schedule RI-B,

2.
3.
4.
5.
6.

part II, item 4).....~............................................................................................................................... C079
4. LESS: Write-downs arising from transfers of loans to a held-for-sale account.................................. 5523
5. Provision for loan and lease losses (must equal Schedule RI, item 4) .............................................. 4230
6. Adjustments" (see instructions for this schedule) .............................................................................. C233
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) .................................................................................................. 3123
. Describe on Schedule RI-E-Explanations.

Memoranda
Dollar Amounts in Thousands

1. Allocated transfer risk reserve included in Schedule RI-B, part II, item 7, above ..............................
Memorandum items 2 and 3 are to be completed by banks that (1) together with affliated institutions,
have outstanding credit card receivables (as defined in the instructions) that exceed $500 million
as of the report date or (2) are credit card specialty banks as defined for Uniform Bank Performance
Report purposes.
2. Separate valuation allowance for uncollectible retail credit card fees and finance charges.. ...... ......
3. Amount of allowance for loan and lease losses attributable to retail credit card fees and finance
charges........................................................................................................................... ................... C390

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) ................................................................................................................................................ C781

MA.

Schedule RI-D-Income from Foreign Offices
For all banks with foreign offces (including Edge or Agreement subsidiaries and IBFs) where foreign offce
revenues, assets, or net income exceed 10 percent of consolidated total revenues, total assets, or net income.
Year-to-date
Dollar Amounts in Thousands

RIAD

1. Total interest income in foreign offces......... ............................. ............. .......... .......... .............. .......... C899
2. Total interest expense in foreign offices ............................................................................................. C900
3. Provision for loan and lease losses in foreign offices....... ................... ...... ........................................
4. Noninterest income in foreign offices:
a. Trading revenue .............................................................................................. .............................. C902
b. Investment banking, advisory, brokerage, and underwriting fees and commissions..................... C903
c. Net securitization income .............................................................................................................. C904
d. Other noninterest income................................................................................................. ............. C905
5. Realized gains (losses) on held-to-maturity and available-for-sale securities in foreign offices ........ C906
6. Total noninterest expense in foreign offces ....................................................................................... C907
'0';"
7. Adjustments to pretax income in foreign offices for internal allocations to foreign offices to reflect
the effects of equity capital on overall bank funding costs........................................................ ......... C908
8. Applicable income taxes (on items 1 through 7) ................................................................................ C909
9. Extraordinary items and other adjustments, net of income taxes, in foreign offices .......................... C910

iiir

10. Net income attributable to foreign offices before internal allocations of income and expense

Bil

Mil

Thou

2.
3.
::;.,'tji;.

.;?r: .,

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

¡,C;

'it

5.
6.

7.
8.
9.

li;;i;'

(item 1 plus or minus items 2 through 9)............................................................................................ C911
11. Internal allocations of income and expense applicable to foreign offces .......................................... C912
12. Eliminations arising from the consolidation of foreign offces with domestic offices.......... ................ C913
13. Consolidated net income attributable to foreign offces (sum of items 10 through 12) ...................... C914

10.
11.

12.
13.

FFIEC 031
Page RJ-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
significant items of other noninterest income and other noninterest expense in Schedule RI. (See instructions for details.)

Dollar Amounts in Thousands

1. Other noninterest income (from Schedule RI, item 5.1)

Itemize and describe amounts greater than $25,000 that exceed 3% of Schedule RI, item 5.1:

a. Income and fees from the printing and sale of checks C013
b. Earnings on/increase in value of cash surrender value of life insurance C014

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

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

g.
B k d4461
d d d h f F555
h.

i. 4462

f. Net change in the fair values of financial instruments accounted for under a fair value option F229
an car an cre it car Interc ance ees
TEXT
4461
TEXT

0162

TEXT

0163

interest expense (from Schedule RI, item 7.d)
Itemize and describe amounts greater than $25,000 that exceed 3% of Schedule RI, Item 7.d:
a. Data processing expenses
b. Advertising and marketing expenses
c. Directors' fees
d. Printing, stationery, and supplies

1.a.
1.b.
1.c.
1.d.

1.e.
1.f.

1.g.
1.h.
1.í.

4463

1.j.

C017
0497
4136
C018
8403
4141
4146
F556
F557
F558
F559
4464
4467
4468

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

2. Other non

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

~. ~ommun;cat;on. oXl1n...
TEXT

m. 0167

TEXT

n. 4468

2.f.

2.g.
2.h.
2.i.
2.j.

2.k.
2.1.

2.m.
2.n

3. Extraordinary items and other adjustments and applicable income tax effect (from Schedule RI,

item 11 itemize and describe all extraordinary items and other adjustments):
a. (1) ~~:

(2) A licable income tax effect...... ...................... ..................... ............. 4486
b. (1) ~~i

(2) A Iicable income tax effect......... ..................... ........ ........... ............. 4488
c. (1) ~~:

(2) Applicable income tax effect.............................. ............. ...... ............. 4491

3.a.(1 )

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

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

3.c.(2)

FFIEC 031

Page RI-8

Schedule RI-E-Continued

1iV
LmI

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. ~lr

4.a.
4.b.

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

a. ~~
b. tiXT
4499.

5.a.
5.b.

6. Adjustments to allowance for loan and lease losses (from Schedule RI-8,

~~~m 6) (itemize and describe all adjustments):

b.~

6.a.
6.b.

comments?......................................................................................................................................

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):

Other explanations (please type or print clearly):
(TXT 4769)

FFIEC 031
Page RC-1

Consolidated Report of Condition for Insured Commercial ~
and State-Chartered Savings Banks for Sef'tember 30,2008 Dect'mber 31) 200C¡
All schedules are to be reported in thousands of dollars. Unless otherwise indicated,
report the amount outstanding as of the last business day of the quarter.

Schedule RC-Balance Sheet
Dollar Amounts in Thousands

ASSETS
1. Cash and balances due from depository institutions (from Schedule RC-A):
a. Noninterest-bearing balances and currency and coin1 .......................................................

b. Interest-bearing balances2 ..................................................................................................

1.a.
1.b.

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 in domestic offces ....................................................................... RCON B987
b. Securities purchased under agreements to resell3 .............. ........ .......... .................... RCFD B989

3.a.
3.b.

4. Loans and lease financing receivables (from Schedule RC-C): RCFD
a. Loans and leases held for sale............................................................................................ 5369
b. Loans and leases, net of unearned income ......................... B528
c. LESS: Allowance for loan and lease losses ......................... 3123
d. Loans and leases, net of unearned income and allowance (item 4.b minus 4.c)................
5. Trading assets (from Schedule RC-D) .....................................................................................
6. Premises and fixed assets (including capitalized leases) ........................................................
7. Other real estate owned (from Schedule RC-M)......................................................................

4.a.
4.b.
4.c.
4.d.
5.
6.
7.

8. Investments in unconsolidated subsidiaries and associated companies
(from Schedule RC-M) .... .................................... ......................... ............ ....................... .........

-9 t40t applicaöle- ,Po SHI. T E'
10. Intangible assets:

a. Goodwil............................................................................................................................... 3163
b. Other intangible assets (from Schedule RC-M)............................ .......... ........................ ..... 0426
11. Other assets (from Schedule RC-F)......................................................................................... 2160

12. Total assets (sum of items 1 through 11) ................................................................................. 2170
1 Indudes cash items in process of collection and unposted debits.
2 Includes time certificates of deposit not held for trading.
3 Indudes all securities resale agreements in domestic and foreign offces, regardless of maturity.

10.a.
10.b.
11.
12.

INSERT E - FFIEC 031

9. Direct and indirect investments in real estate ventures ............................. ~

FFIEC 031

Page RC-2

Schedule RC-Continued
Dollar Amounts in Thousands
LIABILITIES
13. Deposits:

a. In domestic offces (sum of totals of columns A and C from Schedule RC-E,
part I) ........................................................................................... ..... .............. ..... .......... ..

13.a
13.a.(1 )

(1) Noninterest-bearing1............................................ RCON 6631
(2) Interest-bearing ........................... ......................... RCON 6636

13.a.(2)

b. In foreign offces, Edge and Agreement subsidiaries, and IBFs
13.b.

(from Schedule RC-E, part II)......................................................
(1) Noninterest-bearing ............................................. RCFN 6631
(2) Interest-bearing ............... ...................... ........ ....... RCFN 6636

13.b.(1 )

13.b.(2)

14. Federal funds purchased and securities sold under agreements to repurchase:
a. Federal funds purchased in domestic offces2 ...........................................................
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

liabilties sum of items 13 throu h .........................................................................
rity interest in consolidated subsidiaries...........................................................................

, EQUITYCA
23. Perpetual preferred sto ated surplus ................ .............. .............................
24. Common stock.. ................ ............... ............
25. Surplus (exclude all surplus related to preferred stoc .......
26. a. Retained earnings ........................................

b. Accumulated other comprehe' me5.... .............. ...... .......... ............ ........................
27. Other equity capita nents6 ............................................................................................
28. Total e' pita
2 I

i (sum of items 23 through 27)..................................................................... 3210

14.a.
14.b.
15.
16.
19.

20.
21.
22.
23.
24.
25.
26.a.
26.b.
27.
28.

liabilties, minority interest, and equity capital (sum of items 21, 22, and 28).................. I 3300

~ ~~1'lac(! ",') II'StR.T IS

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 performed for the bank by independent external RCFD
auditors as of any date during 200t.R,.......................................................................................................... 6724
1 = Independent audit of the bank conducted in accordance with
generally accpted auditing standards by a certified public
accunting firm which submits a report on the bank
2 = Independent audit of the bank's parent holding company conducted in accrdance with generally accepted auditing standards

by a certified public accunting firm which submits a report on the
consolidated holding company (but not on the bank separately)

3 = Attestation on bank management's asserton on the effectiveness

M.1.

4 = Directors' examination of the bank conducted in accordance with

generally accpted auditing standards by a certified public
accunting firm (may be required by state chartering authority)
5 = Directors' examination of the bank performed by other extemal

auditors (may be required by state chartering authority)

6 = Review of the bank's financial statements by external auditors
7 = Compilation of the bank's financial statements by extemal
auditors

of the bank's internal control over financial reporting by a certified

8 = Other audit procedures (exduding tax preparation work)

public accunting firm

9 = No external audit work

IN~fêR.T C.
1 Indudes total demand deposits and noninterest-bearing time and savings deposits.
2 Report ovemight Federal Home Loan Bank advances in Schedule RC. item 16, "Other borrowed money."
3 Indudes all securities repurchase agreements in domestic and foreign offces. regardless of maturity.
4 Indudes limited-life preferred stock and related surplus.
5 Indudes net unrealized holding gains (losses) on available-for-sale securities, accumulated net gains (losses) on cash flow hedges, cumulative foreign
currency translation adjustments. and minimum pension liability adjustments.
6 Indudes treasury stock and unearned Employee Stock Ownership Plan shares.

INSERT B - FFIEC 031
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 031

~o bo :~;.:~::::~:~d:~e R.O.~~.~f.~".~I~~.".:........................................1 ::N I MM I DD I

FFIEC 031

Page RC-3

Schedule RC-A-Cash and Balances Due From Depository Institutions
Exclude assets held for trading.

(ColumnA)
Consolidated
Bank
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............... .........

1.a.
1.b.

b. Currency and coin.... ............ .................. ............... ......................... .........
2. Balances due from depository institutions in the U.S...................................
a. U.S. branches and agencies of foreign banks (including their IBFs).......
b. Other commercial banks in the U.S. and other depository institutions in
the U.S. (including their IBFs) ................................................................. 0085
3. Balances due from banks in foreign countries and foreign central banks....
a. Foreign branches of other U.S. banks.....................................................

2.a.
2.b.
3.

3.a.
3.b.
4.

b. Other banks in foreign countries and foreign central banks.. ....... ...........
4. Balances due from Federal Reserve Banks.................................................
5. Total (sum of items 1 through 4) (total of column A must equal
Schedule RC, sum of items 1.a and 1.b) .....................................................

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

Available-for-sale

Held-to-maturi

(Column A) (Column B)

Amortized Cost Fair Value
Dollar Amounts in Thousands RCFD
1. U.S.

Treasury

securities.. 0211

(Column C) (Column D)

Amortized Cost Fair Value
RCFD

1286

2. U.S. Government agency

obligations (exclude
mortgage-backed
securities):
a. Issued by U.S. Government agencies1 .....

2.a.

b. Issued by U.S.

Governmentsponsored agencies2..
3. Securities issued by

2.b.

states and political

subdivisions in the U.S....

1 Includes Small Business Administration "Guaranteed Loan Pool Certificates," U.S. Maritime Administration obligations. and Export-Import Bank

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

FFIEC 031

Page RC-4

Schedule RC-B-Continued
Rtfla.(( vl1l1 II'HEllí F

4.a.(1 )

(2)

4.a.(2)
4.a.(3)

4.b.(1 )

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

INSERT F - FFIEC 031
4. Mortgage-backed
securities (MBS):
a. Residential mortgage

pass-through
securities:
(1) Guaranteed by

GNMA ..................
(2) Issued by FNMA
and FHLMC ..........
(3) Other pass-through
securities ..............

xx
xx

b. Other residential
mortgage-backed
securities (include
CMOs, REMICs, and
stripped MBS):
(1) Issued or
guaranteed by
FNMA, FHLMC, or

GNMA ..................
(2) Collateralized by
MBS issued or
guaranteed by
FNMA, FHLMC, or

GNMA ..................

xx
xx
xx

(3) All other residential

MBS .....................
c. Commercial MBS:
(1) Commercial
mortgage pass-

through securities .
(2) Other commercial

MBS .....................

5. Asset-backed securities
and structured financial

products:
a. Asset-backed
securities (ABS) .. ......
b. Structured financial

products:
(1)Cash .....................
(2) Synthetic ..............
(3) Hybrid ...................

FFIEC 031

Page RC-5

Schedule RC-B-Continued
Memoranda

Dollar Amounts in Thousands
M.1.

1. Pledged securities1 ............................................................................................................................

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
A549
A550
A552
A553
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)

A555
A556
A557
A558
A559
(6) Over 15 years. ............ ......... ...... ................... ............................... ...................... ...... .......... ..... A560

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

(1) Three months or less ..............................................................................................................
(2) Over three months through 12 months ...................................................................................
(3) Over one year through three years.........................................................................................
(4) Over three years through five years........................................................................................
(5) Over five years through 15 years.............. ........................... ....... .............. ....... .................. .....
(6) Over 15 years......... ............ .................... ..... ....... ..................... ................................. ..............

A551

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

(1) Three months or less ..............................................................................................................
(2) Over three months through 12 months.... ....................... ............... ........... ........ ......................
(3) Over one year through three years .........................................................................................
(4) Over three years through five years........................................................................................
(5) Over five years through 15 years ................ ............. .................. ........... ........................ ..........
c. Other mortgage-backed securities (include CMOs, REMICs, and stripped MBS; exclude
mortgage pass-through securities) with an expected average life of: 6

(1) Three years or less .................................................................................................................
(2) Over three years........ ..... ......... ................... .......... ................ ...................................................
d. Debt securities with a REMAINING MATURITY of one year or less (included in
Memorandum items 2.a through 2.c above)..................................................................................

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

3. Amortized cost of held-to-maturity securities sold or transferred to available-for-sale or trading
securities during the calendar year-to-date (report the amortized cost at date of sale or transfer) ...
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.......................................................................................................................................

1 Indudes 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 nonaccral debt securities in the categories of debt securities reported in
Memorandum item 2.a that are included in Schedule RC-N, item 9. column C. must equal Schedule RC-B, sum of items 1, 2, 3, 5, and 6.
columns A and D, plus mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages
induded 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.3.

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

FFIEC 031

Page RC-6

Schedule RC-B-Continued

Memoranda-Continued

5. Asset-backed securities
(ABS) (for each column,
sum of Memorandum
items 5.a through 5.f
must equal Schedule

RC-B, item ~ 6'.~ ):
a. Credit card

d. Other consumer loans..

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

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

M.5.e.

f. Other ..........................

M.5.f.

receivables................ .
b. Home equity lines.......
c. Automobile loans........

ttJ S£RT G-

Mt wtOYQl'rilAfn ,fttr.s ç,(J

ti".i..i. 5. t are l- b~
to Wtr't:l-tJ. by bci.. ~ìH.
"I ~¡JJI¡'" 0". trO~ ¡''' hI6.JJt.f-J. '

l Tk ~ I bd/i'oh ~1H.f- ,¡¡'z.e tui- ¡'r 9~llerAII' 6t'u.. 0.. fJe. lokI auc.h relcrr~A 0.. f/~ Til'e 34, 2ooi,
l(L.forf- of û",Jlf-,',..,.

INSERT G - FFIEC 031
6.

Structured financial
products by underlying

collateral or reference
assets (for each column,
sum of Memorandum
items 6.a through 6.g
must equal Schedule
RC-B, sum of items
5.b.(1) through (3)):
a. Trust preferred
securities issued by

financial products

g. Other collateral or
reference assets

financial institutions
b. Trust preferred
securities issued by
real estate investment

trusts
c. Corporate and similar

loans
d. 1-4 family residential

MBS issued or
guaranteed by U.S.

governmentsponsored
enterprises (GSEs)
e. 1-4 family residential

MBS not issued or
guaranteed by GSEs
1. Diversified (mixed)
pools of structured

FFIEC 031

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 uneamed
income, and (3) loans and leases accounted for at fair value under a fair value option. Exclude assets held for trading and commercial

paper.

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

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

1.
1.a.(1 )

1.a.(2)

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.b.

1.c.(1 )

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

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

1.e.(1 )

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

1.e.(2)

a. To commercial banks in the U.S. ............................................................
(1) To U.S. branches and agencies of foreign banks ............................

2.a.
2.a.(1 )

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

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

(2) To other banks in foreign countries ..................................................

2.c.(2)

2.c.(1 )

3. Loans to finance agricultural production and other loans to farmers ..........

4. Commercial and industrial loans:
a. To U.S. addressees (domicile) ...............................................................
b. To non-U.S. addressees (domicile) ........................................................

4.a.
4.b.

5. Not applicable

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

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

6.a.

b. Other revolving credit plans...................... ............ ........ ............. .............

6.b.

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

6.c.

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

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

7.
8.
9.

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

9.a.

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

9.b.

FFIEC 031

Page RC-8

Schedule RC-C-Continued
Part I. Continued
Dollar Amounts in Thousands

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

b. All other leases.......................................................................................
11. LESS: Any unearned income on loans reflected in items 1-9 above .........
12. Total
loans and leases, net of unearned income (sum of items 1
through 10 minus item 11) (total of column A must equal
Schedule RC, sum of items 4.a and 4.b) ....................................................

10.

10.a.
10.b.
11.

12.

Memoranda
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 in domestic offces ..............................

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 nonaccrualstatus):
a. Closed-end loans secured by first liens on 1-4 family residential properties in domestic offces

next repricing date of: 1.2 RCON

M.1.b.

(reported in Schedule RC-C, part i, item 1.c.(2)(a), column B) with a remaining maturity or

(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 A)
EXCLUDING closed-end loans secured by first liens on 1-4 family residential properties
in domestic offices (reported in Schedule RC-C, part I, item 1.c.(2)(a), column B) with a

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

remaining maturity or next repricing date of: 1,3

(5) Over five years through 15 years............................................................................................
(6) Over 15 years .........................................................................................................................
c. Loans and leases (reported in Schedule RC-C, part I, items 1 through 10, column A)
with a REMAINING MATURITY of one year or less (excluding those in nonaccrual status) ........
3. Loans to finance commercial real estate, construction, and land development activities

(not secured by real estate) included in Schedule RC-C, part i, items 4 and 9, column A4 ............

1 Report fixed rate loans and leases by remaining maturity and floating rate loans by next repricing date.
2 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
propertes in domestic offces induded in Schedule RC-N, item 1.c.(2)(a). column C, must equal total closed-end loans secured by
first liens on 1-4 family residential properties from Schedule RC-C, part I, item 1.c.(2)(a), column B.
3 Sum of Memorandum items 2.b.(1) through 2.b.(6), plus total nonaccralloans and leases from Schedule RC-N, sum of items 1 through 8,

column C, minus nonaccrual closed-end loans secured by first liens on 1-4 family residential propertes in domestic offces induded in
loans and leases from Schedule RC-C. part I, sum of items 1 through
10, column A. minus total closed-end loans secured by first liens on 1-4 family residential properties in domestic offces from Schedule RC-C.
part I. item 1.c.(2)(a), column B.
4 Exdude loans secured by real estate that are included in Schedule RC-C. part i, item 1, column A.
Schedule RC-N. item 1.c.(2)(a), column C. must equal total

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

FFIEC 031

Page RC-9

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

Dollar Amounts in Thousands RCON

4. Adjustable rate closed-end loans secured by first liens on 1-4 family residential properties in
domestic offces (included in Schedule RC-C, part i, item 1.c.(2)(a), column B) ..............................
5. Loans secured by real estate to non-U.S. addressees (domicile) (included in Schedule RC-C,
part i, item 1, column A) .....................................................................................................................
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 millon as of

MA.
M.5.

the

report date or (2) are credit card specialty banks as defined for Uniform Bank Performance Report

purposes.
6. Outstanding credit card fees and finance charges included in Schedule RC-C, part i,
item 6.a, column 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 in domestic offces:
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 8.b and 8.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 8.a) as of December 31, 200j,lihat exceeded
the lesser of $1 00 milion or 5 percent of total
loans and leases, net of unearned income,
in domestic offces (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

M.8.a.

above.............................................................................................................................................
9. Loans secured by 1-4 family residential properties in domestic offces in process of
foreclosure (included in Schedule RC-C, part i, items 1.c.(1), 1.c.(2)(a), and 1.c.(2)(b)) ...........

M.8.c.

M.8.b.

M.9.

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.
Dollar Amounts in Thousands

10. Loans measured at fair value (included in Schedule RC-C, part I,
items 1 through 9):
a. Loans secured by real estate...............................................................

(1) Construction, land development, and other land loans..............
(2) Secured by farmland (including farm residential and other
improvements) ................................................................................
(3) Secured by 1-4 family residential properties:
(a) Revolving, open-end loans secured by 1-4 family

residential properties and extended under lines of credit....

M.10.a.
M.10.a.(1 )

M.10.a.(2)

M.10.a.(3)(a)

(b) Closed-end loans secured by 1-4 family residential

properties:
(1) Secured by first liens.... .................... ............................ ......
(2) Secured by junior liens.......................................................

M.10.a.(3)(b)(1
M.10.a.(3)(b)(2

FFIEC 031

Page RC-10

Schedule RC-C-Continued
Part i. Continued

(ColumnA)
Consolidated
Bank
Dollar Amounts in Thousands RCFD

10. a. (4) Secured by multifamily (5 or more) residential properties .........

(5) Secured by nonfarm nonresidential properties ...........................
b. Commercial and industrial

loans......................................................... F585

(Column B)

Domestic

Offces
Bil Mil

Thou

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

c. loans to Individuals for household, family, and other personal

expenditures (i.e., consumer loans) (includes purchased paper):
(1) Credit cards.... ..... ....... ................................ ..................... ................ F586
(2) Other revolving credit plans........ ............ ...................... .......... ...... F587
(3) Other consumer loans (includes single payment, installment,

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

and all student loans) ..................................................................... F588
d. Other loans ............................................................................................ F589

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

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 ............................................................... F609

(1) Construction, and 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....

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

M.11.a.(2)

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

(b) Closed-end loans secured by 1-4 family residential

(5) Secured by nonfarm nonresidential properties ...........................
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 ..................................................................................... F598
(2) Other revolving credit plans ............ ........... ................. .................. F599
(3) Other consumer loans (includes single payment, installment,

M.11.c.(1 )

and all student loans) ..................................................................... F600
d. Other loans ............................................................................................ F601

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

IN S E IZ T Ù
lNSE:I2T H

M.11.c.(2)

INSERT 0 - FFIEC 031

(Column A)

(Column B)

Fair value of

Gross contractual
amounts receivable
at acquisition date

acquired loans and
leases at acquisition

date
12.

(Column C)
Best estimate at
acquisition date of
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:
a. Loans secured by real estate ..

G091

G092

G093

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

G094

G09S

G096

G097

G098

G099

G100

G101

G102

Loans to individuals for
household, family, and other
personal expenditures .............
Aii other loans and all leases ..

RCFD

Bil

Mil

Thou

RCFD

Bil

INSERT H - FFIEC 031

13. To be completed by banks that had construction, land

development, and other land loans in domestic offices (as
reported in Schedule RC-C, part i, item 1.a, column B) that
total risk-based capital (as reported
exceeded 100 percent of
in Schedule RC-R, item 21) as of December 31,2008.
Construction, land development, and other land loans in domestic
offices with interest reserves:
a. Amount of loans that provide for the use of interest reserves
(included in Schedule RC-C,

part i, item 1.a, column B) .................

b. Amount of interest capitalized from interest reserves on
construction, land development, and other land loans that is
included in interest and fee income on loans during the quarter

(included in Schedule RI, item 1.a.(1 )(a)(2)) ...................................
Memorandum item 14 is to be completed by all banks.
14. Pledged loans and leases ......................................................................

Mil

Thou

RCFD

Bil

Mil

Thou

FFIEC 031

Page RC-l0a

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" in domestic
offces reported in Schedule RC-C, part I, items 1.e(1) and 1.e.(2), column B, and all or
substantially all of the dollar volume of your bank's "Commercial and industrial

loans to U.S.

addressees" in domestic offices reported in Schedule RC-C, part I, item 4.a, column B, have

original amounts of $100,000 or less (If your bank has no loans outstanding in both of these
1.

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

Number of Loans

following Schedule RC-C, part I, loan categories:

a. "Loans secured by nonfarm nonresidential properties" in domestic
offces reported in Schedule RC-C, part I, items 1.e.(1) and 1.e.(2,
column B (Note: Sum of items 1.e.(1) and 1.e.(2), column B, divided
by the number of loans should NOT exceed $100,000.).........................
loans to U.S. addressees" in domestic
b."Commercial and industrial
offces reported in Schedule RC-C, part I, item 4.a, column B
(Note: Item 4.a, column B, divided by the number of loans should
NOT exceed $100,000.) ..........................................................................

2.a.

2.b.
(Column A)

Dollar Amounts in Thousands

3. Number and amount currently outstanding of "Loans secured by
nonfarm nonresidential properties" in domestic offices reported in
Schedule RC-C, part I, items 1.e.(1) and 1.e.(2), column B (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, column B):

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 to U.S. addressees" in domestic offices reported in
Schedule RC-C, part I, item 4.a, column B (sum of items 4.a through 4.c
must be less than or equal to Schedule RC-C, part i, item 4.a, column B):
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

5571

5573
5575

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

FFIEC 031

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)" in domestic offces reported in Schedule RC-C, part I. item 1.b, column B.
and all or substantially all of the dollar volume of your bank's "Loans to finance agricultural
production and other loans to farmers" in domestic offces reported in Schedule RC-C. part I.

item 3, column B. have original amounts of $100,000 or less (If your bank has no loans
5.

outstanding in both of these two loan categories. place an "X" in the box marked "NO.") ................
If YES, complete items 6.a and 6.b below, and do not complete items 7 and 8.
If NO and your bank has loans outstanding in either loan category. skip items 6.a and 6.b and complete items 7 and 8 below.
If NO and your bank has no loans outstanding in both loan categories. do not complete items 6 through 8.

6. Report the total number of loans currently outstanding for each of the
following Schedule RC-C, part I, loan categories:

a. "Loans secured by farmland (including farm residential and other
improvements)" in domestic offces reported in Schedule RC-C.
part I. item 1.b, column B (Note: Item 1.b. column B. divided by the
number of loans should NOT exceed $100.000.)....................................

6.a.

b. "Loans to finance agricultural production and other loans to farmers" in
domestic offces reported in Schedule RC-C, part I, item 3, column B
(Note: Item 3, column B. divided by the number of loans should
NOT exceed $100.000.) ..........................................................................

6.b.
(Column A)

Dollar Amounts in Thousands

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

7.a.

a. With original amounts of $100,000 or less............................................
b. With original amounts of more than $100,000 through $250,000.........
c. With original amounts of more than $250.000 through $500,000.........

7.b.
7.c.

8. Number and amount currently outstanding of "Loans to finance
agricultural production and other loans to farmers" in domestic offces
reported in Schedule RC-C. part I. item 3. column B (sum of
items 8.a through 8.c must be less than or equal to Schedule RC-C,
part I, item 3. column B):

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 031

Page RC-11

§J

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

(ColumnA)
Consolidated
Bank

Ktpla.C( ""jyi iNÇErt r I

(Column B)

Domestic

Ofces

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

e-backe securi ies
a. Pass-throug . ued or guaranteed by FNMA, FHLMC, or

GNMA..........................................................

4.a.

b. Other mortgage-backed securities issued or y

FHLMC, or GNMA (include ICs, and stripped MBS) ...........
c. All other m - acked securities.... ..... ..................... ................ ........
5. e t securities..... ..... ............... ....................... ........... ............. ............
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

6.a.(2)

6.a.(3)(a)

properties:
(1) Secured by first liens.........................................................
(2) Secured by junior liens......................................................

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

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

(4) Secured by multifamily (5 or more) residential properties .........

(5) Secured by nonfarm nonresidential properties ...........................
b. Commercial and industrial loans.... .................. ...................................

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.-8. Not applicable

9. Other trading assets..................................................................................... 3541
10. Not applicable

11. Derivatives with a positive fair value ............. ............... ................................
12. Total trading assets (sum of items 1 through 11) (total of column A must
equal Schedule RC, item 5) .........................................................................
RCFD
,',' ,;,

LIABILITIES

Bil

Mil

',;

Thou RCON
'X

13. a. Liability for short positions ...................................................................... 3546

Mil I Thou

,,''';:d

3546
F624
3547

b. Other trading liabilities ............................................. ........................... F624
14. Derivatives with a negative fair value ......................................................... 3547
,",iiI'
15. Total trading liabilities (sum of items 13.a through 14) (total of column A
must equal Schedule RC, item 15) .............................................................. 3548

Bil

"",'

';';"

3548

13.a.
13.b.
",,:,; ;,.

14.
15.

INSERT I - FFIEC 031
4. Mortgage-backed securities (MBS):
a. Residential pass-through securities
issued or guaranteed by FNMA, FHLMC,

or GNMA .................................................. XX

b. Other residential MBS issued or
guaranteed by FNMA, FHLMC, or GNMA
(include CMOs, REMICs, and stripped

MBS) ........................................................
c. All other residential MBS .... ...... ...............
d. Commercial MBS .. .................... ...............
5. Other debt securities
a. Structured financial products:

(1) Cash ................................................... XX
(2) Synthetic .......................... ................... XX
(3) Hybrid ................................................. xx

b. All other debt securities ........ ................... xx

xx
xx
xx

FFIEC 031

Page RC-12

Schedule RC-D-Continued
(ColumnA)
Consolidated
Bank

Memoranda
Dollar Amounts in Thousands

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

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

(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

M.1.a.(2)

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

residential properties and extended under lines of credit....
(b) Closed-end loans secured by 1-4 family residential

properties:
(1) Secured by first liens ..........................................................
(2) Secured by junior liens.......................................................
(4) Secured by multifamily (5 or more) residential properties .........
(5) Secured by nonfarm nonresidential properties.... .......................
loans.........................................................
b. Commercial and industrial
c. Loans to individuals for household, family, and other personal
expenditures (i.e., consumer loans) (includes purchased paper):

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

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

M.1.c.(1 )

(1) Credit cards...... ......... ............................... .................. ..................... F633
(2) Other revolving credit plans ............ ...... ........ ............. ......... .......... F634
(3) Other consumer loans (includes single payment, installment,

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

and all student loans) .....................................................................
d. Other loans ............................................................................................
~ ~Jet appliQagle

Z. ~ Loans measured at fair value that are past due 90 days or more

a. Fair value ..............................................................................................

M.S,a.

b. Unpaid principal balance...................................................................... F640 F640

M.l.b.
2.

INtEIZT J" 5
Memorandum items f 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.
Dollar Amounts in Thousands

s.~

Asset-backed securities:
~

..
i:"A.

............................................................................. ~~.~
.................................................................................
..

receivables ........... ...... .... ....... ................................ ....... ............... ...... ..... ... ..... ... ....... F643
lines........................................................................................................................ F644
equity
b. to Home
F645
c. 'Q Automobile loans ........................................................................................................................
F646
d.lI Other consumer loans................................................................................................................
t.'Q Commercial and industrial loans............................................................................................... F647

~:'s Credit card

.Ç, '1 Other.............................................................................................................................................
,.....l obliaations:
............ F649
...........................................................
a. Synthetic....................................
h n...__ .......................
.................................................................................................
6. Retained beneficial interests in securitizations (first-loss or equity tranches) ......................... F651

Mil
,;;::",,:,,¡;:;

~
Thou

IVI.

'.0.

IVI....U.

M.+. 6'.1i ,
M.4: 5.1:,

M.4. S.c.

M.~ '5. cf.
M.4:.

S. e .

M.~ 'S.l,
\
M.5.a
M.5.b.
M.6.

INSERT J - FFIEC 031
3. Structured financial products by underlying
collateral or reference assets (for each

column, sum of Memorandum items 3.a
through 3.g must equal Schedule RC-D,
sum of items 5.a.(1) through (3)):
a. Trust preferred securities issued by

financial institutions .................................

b. Trust preferred securities issued by real
estate investment trusts ..........................

xx
xx

xx
xx
xx
xx

c. Corporate and similar loans ........ ............
d. 1-4 family residential MBS issued or
guaranteed by U.S. governmentsponsored enterprises (GSEs) ...............
e. 1-4 family residential MBS not issued or
guaranteed by GS~s ......... ............. .........

f. Diversified (mixed) pools of structured
financial products ....................................
g. Other collateral or reference assets ........
4. Pledged trading assets:
a. Pledged securities.. ........................ .........
b. Pledged loans ............ ............. ................

FFIEC 031

Page RC-13

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

7. Equity securities:
a. Readily determinable fair values ...............................................................................................

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

b. Other.............................................................................................................................................

8. Loans pending securitization .........................................................................................................
9. Other trading assets (itemize and describe amounts included in Schedule RC-D, item 9,
thl..' than $25,000 and exced 25% of the item),

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

a. F655

b. ~
c. ~
10. Other trading liabilties (itemize and describe amounts included in Schedule RC-D,
than $25,000 and exce 25% of the item),
a. F656

b. lE~

c. ii~

"1íf that are gree,

F658
F659
F660

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

FFIEC 031

Page RC-14

Schedule RC-E-Deposit Liabilities
Part i. Deposits in Domestic Offces
Transaction Accounts
(ColumnA)
Total transaction
accounts (including

total demand
deposits)
Dollar Amounts in Thousands

Nontransaction
Accounts

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

nontransaction
accounts

columnA)

(including MMDAs)

(Column C)

Total

RCON Bil

Deposits of:
1. Individuals, partnerships, and corporations

(include all certified and offcial checks)................. B549

2. U.S. Government ................................................... 2202

2.
3.

3. States and political subdivisions in the U.S............ 2203
4. Commercial banks and other depository
institutions in the U.S. ............................................ B551

4.
5.

5. Banks in foreign countries...................................... 2213
6. Foreign governments and offcial institutions
(including foreign central banks) ............................ 2216
7. Total (sum of items 1 through 6) (sum of
columns A and C must equal Schedule RC,

item 13.a)............................................................... 2215

Memoranda

Dollar Amounts in Thousands RCON

1. Selected components of total deposits (Le., sum of item 7, columns A and C):
a. Total
Individual Retirement Accounts (IRAs) and Keogh Plan accounts .......................................
b. Total broke

red deposits ...... .................... ...... ........................ .................................. .......................

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

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

(1) Brokered deposits issued in denominations of less than $100,000................................

M.1.c.(1 )

(2) Brokered deposits issued in denominations of $100,000 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)........................................ A243
(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) ......................................................................

M.1.d.(1 )

M.1.d.(2)

M.1.e.

2. Components of total nontransaction accounts (sum of Memorandum items 2.a through 2.c must
equal item 7, column C above):
a. Savings deposits:

(1) Money market deposit accounts (MMDAs).............................................................................
(2) Other savings deposits (excludes MMDAs) ............................................................................
b. Total time deposits of less than $100,000.....................................................................................
c. Total time deposits of $100,000 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)

1 Report brokered 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 accunts in Memorandum item 1.c.(2) if they have
been issued either in denominations of exactly $100.000 through exactly $250.000 or in denominations greater than $250,000 and participated out by the
broker in shares of exactly $100.000 through exactly $250.000.

FFIEC 031

Page RC-15

Schedule RC-E-Continued
Part i. 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: 1.2

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

(1) Three months or less ..............................................................................................................
(2) Over three months through 12 months ...................................................................................
(3) Over one year through three years.............................~........................................................... A581
(4) Over three years ..................................................................................................................... A582
b. Time deposits of less than $100,000 with a REMAINING MATURITY of one year or less

M.3.b.

(included in Memorandum items 3.a.(1) and 3.a.(2) above)3........................................................ A241
4. Maturity and repricing data for time deposits of $100,000 or more:
a. Time deposits of $100,000 or more with a remaining maturity or next repricing date of: 1.4

MA.a.(1)
MA.a.(2)
M.4.a.(3)
MA.a.(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

MA.b.

(included in Memorandum items 4.a.(1) and 4.a.(2) above)3........................................................

1 Report fixed rate time deposits by remaining maturity and floating rate lime 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 lime deposits by remaining maturity. Exdude 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.

Part II. Deposits in Foreign Offces (including Edge and
Agreement subsidiaries and IBFs)
Dollar Amounts in Thousands

RCFN
:';"..

IjiW:Deposits of:
1. Individuals, partnerships, and corporations (include all certified and offcial checks) ........................ B553
2. U.S. banks (including IBFs and foreign branches of U.S. banks) and other U.S. depository

institutions. ...... ....... .............. ..... .................... ... ..... ....... ...... ... .......... ... .................................. ...... ........ B554

3. Foreign banks (including U.S. branches and agencies of foreign banks, including their IBFs) ......... 2625
4. Foreign governments and official institutions (including foreign central banks) ................................. 2650
5. U.S. Government and states and political subdivisions in the U.S. ................................................... B555

6. Total (sum of items 1 through 5) (must equal Schedule RC, item 13.b)............................................. 2200
Memorandum

Bil

"if

Mil

Thou

'p"i"

....,,/,....

~... ;..:dd\,r

..or?
2.
3.
4.
5.
6.

Dollar Amounts in Thousands

1. Time deposits with a remaining maturity of one year or less (included in Part II, item 6 above) .......

M.1.

FFIEC 031

Page RC-16

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

Mil Thou

1. Accrued interest receivable1 .............................................................................................................. B556
2. Net deferred tax assets2 .................................................................................................................... 2148
3 on:
3. Interest-only strips receivable (not in the form of a security)

3.a.
3.b.
4.

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

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

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

a.
Prepaid expenses 2166
b. Repossessed personal propert (including vehicles) 1578

this item).............................................................................................................................................

6.a.
6.b.

c perivatives with a positive fair value held for purposes other
than trading

6.c.

d. Retained interests in accrued interest receivable related to securitized

6.d.
e .~C~~it
359 cards

6.e

f. ~~

6.f

g. ~~i 3551

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 in domestic offces

Thou

5 ......................................................

1.a.

b. Other expenses accrued and unpaid (includes accrued income taxes
2. Net deferred tax liabilities2 ............................................. ....................................................................
3. Allowance for credit losses on off-balance sheet credit exposures....................................................

1.b.
2.
3.

4. All other liabilties (itemize and describe amounts greater than $25,000 that exceed 25% of this
item)...................................................................................................................................................

payable).........................................................................................................................................

a.
Accounts payable 3066
b. Deferred compensation liabilities C011
c. Dividends declared but not yet payable 2932

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

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

g. ~~ 3554
e. ~th~ri trading
f. ~~J

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

1 Indude accued interest receivable on loans. leases. debt securities, and other interest-bearing assets.
2 See discussion of deferred income taxes in Glossary entry on "income taxes."
3 Report interest-only strips receivable in the form of a security as available-for-sale securities in Schedule RC, item 2.b, or as trading assets

in Schedule RC, item 5. as appropriate.
4 Include Federal Reserve stock, Federal Home Loan Bank stock, and bankers' bank stock.
5 For savings banks. include "dividends" accrued and unpaid on deposits.

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

4.g.
5.

FFIEC 031

Page RC-17

Schedule RC-H-Selected Balance Sheet Items for Domestic Offices
Dollar Amounts in Thousands

1. and 2. Not applicable
3. Securities purchased under agreements to resell..............................................................................

4. Securities sold under agreements to repurchase...............................................................................
5. Other borrowed money.... ..................... ....... ...... ........................................................ ................ ........
EITHER
6. Net due from own foreign offices, Edge and Agreement subsidiaries, and IBFs ...............................

OR
7. Net due to own foreign offces, Edge and Agreement subsidiaries, and IBFs ...................................

8. Total assets (excludes net due from foreign offces, Edge and Agreement subsidiaries, and
IBFs) ..................................................................................................................................................

9. Total liabilties (excludes net due to foreign offces, Edge and Agreement subsidiaries, and
IBFs) ..................................................................................................................................................
In s 10-17, report the amortized (historical) cost of both held-to-maturity and

available- ale securities in domestic offces.

10. U.S. Treasury ities.....................................................................................................................
11. U.S. Government agenc . ations (exclude mortgage.-backed securities)....................................
12. Securities issued by states and . 'cal subdivisions in the U.S. ......................................................
13. Mortgage-backed securities (MBS):
a. Pass-through securities:
(1) Issued or guaranteed by FNMA, FHLMC, or G
(2) Other pass-through securities.............................................. .... .........................................

b. Other mortgage-backed securities (include CMOs, REMICs, str d MBS):
(1) Issued or guaranteed by FNMA, FHLMC, or GN

(2) All other mortgage-backed securities........ .............. ........... .................................... ...........
14. Other domestic debt securities (include estic asset-backed securities).....................................
15. Foreign debt securities (includ ign asset-backed securities) .....................................................
16. Investments in mutua s and other equity securities with readily determinable

fair values... .....................................................................................................................................
17. To ortized (historical) cost of both held-to-maturity and available-for-sale securities

sum of items 10 throu h 16 ........ .... ................ ....... ...... ........................ ............ ........
18. Equity securities that do not have readily determinable fair values .... ................ ...............................

Ke-llClC~ wi'f IN r;E ~i V

Schedule RC-I-Assets and Liabilities of IBFs
To be completed only by banks with IBFs and other "foreign" offces.
Dollar Amounts in Thousands

RCFN

1. Total IBF assets of the consolidated bank (component of Schedule RC, item 12) ........................... 2133
2. TotalIBF liabilities (component of Schedule RC, item 21) ................................................................ 2898

Bil

Mil

Thou

INSERT V - FFIEC 031
(Column A)
Amortized (Historical) Cost

of Held-to-Maturit Securities

RCON Bil Mil Thou
10. U.S. Treasury securities............................. xx
11. U.S. Government agency obligations

(exclude mortgage-backed securities) ...... XX
12. Securities issued by states and political

subdivisions in the U.S. ............................. XX
13. Mortgage-backed securities (MBS):
a. Pass-through securities:
(1) Issued or guaranteed by FNMA,
FHLMC, or GNMA ............................
(2) Other pass-through securities ..........
b. Other mortgage-backed securities
(include CMOs, REMICs, and stripped
MBS):
(1) Issued or guaranteed by FNMA,

FHLMC, or GNMA ............................ XX

(2) All other mortgage-backed securities XX
14. Other domestic debt securities (include
domestic structured financial products and

domestic asset-backed securities) ............ XX
15. Foreign debt securities (include foreign
structured financial products and foreign

asset-backed securities) ........................... xx
16. Investments in mutual funds and other
equity securities with readily determinable

fair values ............ .............. ........................
17. Total held-to-maturity and available-forsale securities (sum of items 10 through

16) ............................................................. XX

(Column B)
Fair Value of Available-forSale Securities

RCON Bil Mil Thou

XX
XX

XX
XX
XX
XX
XX
XX

FFIEC 031

Page RC-18

§J

Schedule RC-K-Quarterly Averages1
Dollar Amounts in Thousands

ASSETS
1. Interest-bearing balances due from depository institutions.......................................................
2. U.S. Treasury securities and U.S. Government agency obligations2 (excluding mortgagebacked securities) .....................................................................................................................
3. Mortgage-backed securities2 ....................................................................................................
4. All other securities2. 3 (includes securities issued by states and political subdivisions in

2.
3.

the U.S.) ...................................................................................................................................

5. Federal funds sold and securities purchased under agreements to resell................................

6. Loans:

a. Loans in domestic offces:

(1) Total loans ......................................................................................................................
(2) Loans secured by real estate:

(a) Loans secured by 1-4 family residential properties ..........................................
(b) All other loans secured by real estate.................................................................
(3) Loans to finance agricultural production and other loans to farmers .............................
..................
loans..................................................................
(4) Commercial and industrial
(5) 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)......................................................... B562
b. Total
loans in foreign offces, Edge and Agreement subsidiaries, and IBFs............... RCFN 3360
7. Trading assets................................................................................................................. RCFD 3401
8. Lease financing receivables (net of unearned income)................................................... RCFD 3484
9. Total assets4 ................................................................................................................... RCFD 3368

6.a.(1 )

6.a.(2)(a)
6.a.(2)(b)
6.a.(3)
6.a.(4)
6.a.(5)(a)
6.a.(5)(b)
6.b.
7.
8.
9.

LIABILITIES

10. Interest-bearing transaction accounts in domestic offces (NOW accounts, ATS accounts,
and telephone and preauthorized transfer accounts) (exclude demand deposits) ...................
11. Nontransaction accounts in domestic offces:
a. Savings deposits (includes MMDAs)....................................................................................

b. Time deposits of $100,000 or more......................................................................................
c. Time deposits of less than $100,000....................................................................................

10.

11.a
11.b
11.c.

12. Interest-bearing deposits in foreign offces, Edge and Agreement subsidiaries,
and IBFs ........................................................................................................................ RCFN
13. Federal funds purchased and securities sold under agreements to repúrchase ............. RCFD
14. Other borrowed money (includes mortgage indebtedness and obligations under
capitalized leases)............................................................................................................ RCFD 3355

12.
13.
14.

1 For all items. banks have the option of reportng either (1) an average of DAILY figures for the quarter, or (2) an average of WEEKLY figures
(Le.. 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.
4 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.

FFIEC 031

Page RC-19

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

1.a.
1.b.

secured by real estate:

(a) 1-4 family residential construction loan commitments.......................................................
(b) Commercial real estate, other cotitruction 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 ..................................................................................................................
e. Other unused commitments ..........................................................................................................
2. Financial standby letters of credit and foreign offce guarantees.......................................................

a. Amount of financial standby letters of credit conveyed to others ............ 3820
a Performance standby letters of credit and foreign offce guarantees.................................................

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

1.c.(1 )(a)

1.c.(1 )(b)

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

. ¡¡JsfR.í I( Soid lt'i:,.j-t-c.:hø", (Column A) (Column B)

7. Credit derivatives: f..nJ..:u ~~ P",~J""V SI:BFBRler BeRsfi&iiirY
a. Notional amounts: RCFD Bit Mil Thou RCFD Bil Mil
(1) Credit default swaps .................................. C968 C969

(2) Total return swaps...................................... C970 C971
(3) Credit options............................................. C972 C973
(4) Other credit derivatives.............................. C974 C975
b. Gross fair values:
(1) Gross positive fair value.............................

7.a.(1 )

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

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

7.b.(1)
7.b.(2)
8.

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

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

a. Securities borrowed 3432

b. Commitments to purchase when-issued securities 3434

c. Standby letters of credit issued by

d. ~
e. ~

a Federal Home Loan Bank on the

behalf

f. ~T 3557
b.
~~ ~
27,0.
5592
c.
5593
d.
5594
e. ~a
~ 5595

9.a.
9.b.
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 28 "Tota~quity capital") ....'?~.':~.................................

a. Commitments to sell when-issued securitie 3435

10.

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

tfoVl J.~ ù to be u'Y1l/~ki( br btt"k, wif-h :l I hOII/o;, øte n1o;e I" hfi CtJ.dt. I
.,1 .i.~
l /¡¡
j.L+ø
I o¿
b&lrllu
~ý/lt
.¡nlH
~Mf'f!rc"
ny S'I b.II"Ii.. l)r niuL in. h'f1 Ctud-~. i
The. -l/ ~:I/,ol' 6.Ju..t- .n'1. ftJ~"'1 ')oie,-i/ly bw~J 0.. Hut. fv~' CtJ.râr y-fùl+e. I~ jI~ 7"'0\(0 3ci 2.C.C'Î'I
RtJ'~,"l iif 6.\",1-,',,'1_

INSERT K - FFIEC 031

c. Notional amounts by regulatory capital treatment:

(1) Positions covered under the Market Risk Rule:

(a) Sold protection ........................................................................................
(b) Purchased protection ..............................................................................
(2) All other positions:

(a) Sold protection ........................................................................................ xx
(b) Purchased protection that is recognized as a guarantee for regulatory

capital purposes ...................................................................................... xx

regulatory capital purposes .................................................................... xx
of:

d. Notional amounts by

remaining maturity:
(1) Sold credit protection:

(a) Investment grade .........
investment grade ...
(b) Sub
(2) Purchased credit

protection:
(a) Investment grade .........
(b) Subinvestment grade ...

(Column A)

(Column C)

One Year or Less

Over Five Years

FFIEC 031

Page RC-20

§J

Schedule RC-L-Continued
Dollar Amounts in Thousands

11. Year-to-date merchant credit card sales volume:
a. Sales for which the reporting bank is the acquiring bank...............................................................
b. Sales for which the reporting bank is the agent bank with risk.......................................................

Dollar Amounts in Thousands

11.a.
11.b.

(ColumnA)
Interest Rate
Contracts

(Column B)
Foreign Exchange

(Column C)

(Column D)

Equity Derivative

Commodity and

Contracts

Other Contracts

RCFD8693

RCFD8694

RCFD8695

RCFD86

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)

INSERT L

INSERT L - FFIEC 031
Memorandum item 16 is to be completed only by banks with total assets of $10 billon or more. 1
(Column A)

Banks and

Securities Firms

Column C)

(Column B)
Monoline

Hedge Funds

Financial

Guarantors

Column D)

(Column E)

Sovereign
Corporations and
Governments
All Other
Counterparties

16. Over-the counter

derivatives:
a. Net current credit
exposure .....................

RCFD Bil

currencies ..............
(3) U.S. Treasury
securities ...............

Thou RCFD Bil

Mil

Thou RCFD

Bil

d'Y...

Mil

Thou RCFD Bil

Mil

Thou RCFD

Bil

xx
,....

'.' :;iY:, t~'

b. Fair value of collateral:

(1) Cash - U.S. dollar..
(2) Cash - Other

Mil

xx
xx
xx

xx
xx
xx
xx

(4) U.S. Government
agency and U.S.

Governmentsponsored agency
debt securities .......

(5) Corporate bonds ...
(6) Equity securities ....
(7) All other collateral ..
(8) Total fair value of
collateral (sum of
items 16.b.( 1 )

through (7)) ...........

1 The $10 billon asset size test is generally based on the total assets reported on the June 30, 2008, Report of Condition.

Mil

Thou

.';,..

..;'.:

FFIEC 031

Page RC-21

§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 offcers, directors, and principal shareholders to whom the amount of all
extensions of credit by the reporting bank (including extensions of credit to
related interests) equals or exceeds the lesser of $500,000 or 5 percent

of total capital as defined for this purpose in agency regulations...................... 6165
2. Intangible assets other than goodwil:
a. Mortgage servicing assets.............................................................................................................
(1) Estimated fair value of mortgage servicing assets ............................ A590
b. Purchased credit card relationships and non

mortgage 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:

tA. ~ Construction, land development, and other land in domestic offices...................................... 5508
1'. ~ Farmland in domestic offces .................................................................................................. 5509
c. ~ 1-4 family residential properties in domestic offces .............................................................. 5510
d. N Multifamily (5 or more) residential properties in domestic offces ........................................... 5511
e. ts Nonfarm nonresidential properties in domestic offces .......................................................... 5512

f. ~ Foreclosed properties from "GNMA loans" ............................................................................. C979

tim £i 3,~) RCFD

3'~ In foreign offces............................................................................................................. RCFN 5513

h. \. Total (sum of items 3.a aREI%BHmust equal Schedule RC, item 7)............................................. 2150

1.a.

1.b.

2.a.
2.a.(1 )

2.b.
2.c.
2.d.

3.~cl,

3.~h.
3.~c.
3.9. d.
3.l:e.
3.~ ç..
3.1: 1 .
3.ò. h.

4. h¡oe~tlileM& i~ w~Q9R~eliå8leå 8~B~iEliaFi9& aREI a&ig~ia&9E1 Qgi:~aRie8! Not- AJ'rl,.c...~k

5. Other borrowed money:
a. Federal Home Loan Bank advances:
(1) Advances with a remaining maturity or next repricing date of:1
(a) One year or less.................................................................................................................

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

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 )(a) - (d) above)..............................................

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

b. Other borrowings:

(1) Other borrowings with a remaining maturity or next repricing date of:
(a) One year or less.................................................................................................................

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

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

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

5.b.(2)

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 031

Page RC-22

Schedule RC-M-Continued
Dollar Amounts in Thousands

6. Does the reporting bank sell private label or third part 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 ~ Ihttp://
9. Do any of the bank's Internet Web sites have transactional capabilty, 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 in domestic offces. that are secured (included in RCON
Schedule RC, item 14.a) ...............................................;............................................................... F064

10.a.

b. Amount of "Other borrowings. that are secured (included in Schedule RC-M, RCFD
items 5.b.(1 )(a)-(d)) ...................................................................................................................... F065

i"'snlT M

10.b.

INSERT M - FFIEC 031

11. Does the bank act as trustee or custodian for Individual Retirement
Accounts, Health Savings Accounts, and other similar accounts?

12. Does the bank provide custody, safekeeping, or other services
involving the acceptance of orders for the sale or purchase of
securities? ..............................................................................................

FFIEC 031

Page RC-23

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

(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

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

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

1.a.(1 )

development and other land loans..........

1.a.(2)
1.b.

b. Secured by farmland in domestic offces ..........
c. Secured by 1-4 family residential

properties in domestic offces:
(1) Revolving, open-end loans secured by
1-4 family residential properties and
extended under lines of credit....................

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 in domestic offces .. ........... ..............

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

e. Secured by nonfarm nonresidential

properties in domestic offces:
(1) Loans secured by owner.occupied

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

1.e.(1 )

(2) Loans secured by other nonfarm

nonresidential properties.........................

1.e.(2)
RCFN

f. In foreign offices ................................................ B572

1..

2. Loans to depository institutions and acceptances

of other banks:

a. To U.S. banks and other U.S. depository RCFD
institutions........................................................ .
b. To foreign banks........ ............... ......... .......... ......
3. Loans to finance agricultural production and
other loans to farmers ............ ................................
4. Commercial and industrial

2.a.
2.b.
3.

loans:

a. To U.S. addressees (domicile) ..........................
b. To non-U.S. addressees (domicile) ...................
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 offcial

4.a.
4.b.

institutions............................................................ ..
7. All other loans ........................................................

6.
7.

5.a.

5.b.

FFIEC 031

Page RC-24

Schedule RC-N-Continued

Amounts reported in Schedule RC-N, items 1 through 8, 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)
Past due

30 through 89
days and stil
accruing
Dollar Amounts in Thousands RCFD Bil

(Column B)
Past due 90
days or more

(Column C)

Nonaccrual

and stil
accruing
Mil

8. Lease financing receivables:
a. Leases to individuals for household, family,
and other personal expenditures .......... ...........

8.a.
8.b.

b. All other leases ....... ............. .............. ..............

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

10.

10.a.

10.b.

included in item 1 0 above.......... .......................

days and stil

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

accruing

(ColumnA)
Past due

30 through 89
Memoranda

Dollar Amounts in Thousands RCON Bil

(Column C)

Nonaccrual

Bil Mil

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):

a. Loans secured by 1-4 family residential
properties in domestic offces .... ...... ............ F661
b. Other loans and all leases (exclude loans
to individuals for household, family, and RCFD
other personal expenditures) ........................ 1658

M.1.a.

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. Loans secured by real estate to non-U.S.
addresses (domicile) (included in

4. Not applicable .

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

M.2.

M.3.

FFIEC 031

Page RC-25

§J

Schedule RC-N-Continued
Memoranda-Continued

days and stil

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

accruing

(Column A)
Past due

30 through 89

(Column C)

Nonaccrual

Dollar Amounts in Thousands

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

(1) Fair value ..................................................
(2) Unpaid principal balance .........................
(ColumnA)
Past due 30
through 89 days
ì "t\+l"e.
~ Dt'y
Dollar
Amounts in Thousands

RCFD

6. iiiie. est ratG, Foreign exciiange i atb, eipu~ ether
8Q~mQdity aRd 9E1wity contracts:

Fair value of amounts carried as assets ................

M.6.
RCFD

Bil

Mil

Thou

7. Additions to non
accrual assets during the quarter.. ........................... ............. ................................... C410
8. Nonaccrual assets sold during the quarter......................................................................................... C411

M.7.
M.8.

Schedule RC-O-Other Data for Deposit Insurance and FICO Assessments
íte/l s ì "~ei i

All banks must complete items 1 through 3,'1Memorandum1tem 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 through 6 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 through 6
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 through 6 each
quarter. Any other bank may choose to complete items 4 through 6, but the bank must then continue to complete
items 4 through 6 each quarter thereafter.
Dollar Amounts in Thousands

1. Total deposit liabilities 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
(including foreign deposits)...........................................................................................................
3. Total foreign deposits, including interest accrued and unpaid thereon (included in item 2
above)...............................................................................................................................................
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 (including foreign deposits).. ................... ..... ....................................... .....
6. Total daily average of foreign deposits, including interest accrued and unpaid thereon
(included in item 5 above) ........................................................................ ......................................

)tJSE~T 0

2.
3.
4.
5.

INSERT 0 - FFIEC 031

7. Unsecured "Other borrowings" with a remaining maturity of
(sum of items 7.a through 7.d must equal Schedule RC-M,
items 5.b.(1 )(a)-(d) minus item 10.b):
a. One year or less ................................................................................
b. Over one year through three years ........ ....... ..... ...................... .........
c. Over three years through five years ..................................................

d. Over five years ..................................................................................
8. Subordinated notes and debentures with a remaining maturity of

(sum of items 8.a through 8.d must equal Schedule RC, item 19):

a. One year or less ................................................................................ xx
b. Over one year through three years ....................... .................... ........ xx
c. Over three years through five years .................................................. xx
d. Over five years .................................................................................. XX

FFIEC 031

Page RC-26

Schedule RC-Q-Continued
Memoranda

Dollar Amounts in Thousands

1. Total assessable deposits in domestic offices of the bank and in insured branches in Puerto Rico

and U.S. territories and possessions, 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 ...........

(2) Number

of deposit accunts (excluding retirement accounts) Number

of $100,000 or less (to be completed for the June report only).. F050

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

(2) Number of deposit accunts (excluding retirement accounts) Number
of more than $100,000....................................................................... F052
c. Retirement deposit accounts of $250,000 or less:1
(1) Amount of retirement deposit accounts of $250,000 or less..................................................

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

M.1.b.(1 )

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

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

(2) Number of retirement deposit accounts of more than $250,000...... F048
Memorandum Item 2 is to be completed by banks with $1 billion or more in total assets.2

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

2. Estimated amount of uninsured assessable deposits in domestic offces of the bank and in
insured branches in Puerto Rico and U.S. territories and possessions, 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

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
(including balances swept from noninterest-bearing transaction accounts to
noninterest-bearing savings accounts) ........................................................................................

MA.a.

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

M.4.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 throu h December 31, 2009.

2 The $1 billon asset size test is generally based on the total assets reported on the June 30, eport of Condition. 200ll..
3 Uninsured assessable deposits should be estimated based on the deposit insurance limits et 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.

FFIEC031

Page RC-27

Schedule RC-P-1-4 Family Residential Mortgage
Banking Activities in Domestic Offices
Schedule RC-P is to be completed by (1) all banks with $1 billon or more in total assets1 and (2) banks with less than $1 bilion

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 in domestic offices exceed $10 milion for two consecutive quarters.
Dollar Amounts in Thousands

1. Retail originations during the quarter of 1-4 family residential mortgage
loans for sale2:
a. Closed-end first liens.....................................................................................................................
b. Closed-end junior liens..................................................................................................................

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

1.c.(1 )

1.c.(2)

2.a.
2.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 ...........................................................
3. 1-4 family residential mortgage loans sold during the quarter;
a. Closed-end first liens.....................................................................................................................
b. Closed-end junior liens..................................................................................................................

2.c.(1 )

2.c.(2)

3.a.
3.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 ...........................................................
4. 1-4 family residential mortgage loans held for sale at quarter-end (included in
Schedule RC, item 4.a):
a. Closed-end first liens.....................................................................................................................
b. Closed-end junior liens..................................................................................................................

3.c.(1 )

3.c.(2)

4.a.
4.b.

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

4.c.(1 )

4.c.(2)

the quarlerfrom the sale, securitization, and servicing of 1-4 family
residential mortgage loans (included in Schedule RI, items 5.f, 5.g, and 5.i):

5. Noninterest income for

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

5.a.
5.b.

quartr:
a. Closed-end first liens..................................................................................................................
b. Closed-end junior liens...............................................................................................................
c. Open-end loans extended under line of credit:
(1) Total commitment under the lines of credit ....................................................................... F680
(2) Principal amount funded under the lines of credit ............................................................ F681

1 The $1 billion 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.a
6.b
6.c.(1 )

6.c.(2)

issets (itemize and describe amounts included in Schedule RC-Q, item 6,
ter than $25,000 and exceed 25% of item 6):

xx
xx
xx
F258
xx

c.
d.
e.

a. .oan commitments (not accounted for as derivatives)........................................

13, iat are greater than $25.000 and exceed 25% of item 13):

xx
xx
lontrading derivative liabilties.......................................................................
............................................................................................................... xx
............................................................................................................... xx
............................................................................................................... xx
................................................................................................................ xx
F261

e servicing rights.............................................................................

2. A II other liabilties (itemize and describe amounts included in Schedule RC-Q, item

that
a.

xx
xx
xx
b.
ng derivative assets........................................................................
xx
c. ...............................................................................................................
xx
d. ...............................................................................................................
xx
e. ...............................................................................................................
f. ................................................................................................................
xx

1. AI

Memoranda

13. All other liabilities
14. Total liabilities measured at fair value on a recurrng basis. ......... ................... ....

12. Subordinated notes and debentures..........................................

11. Other borrowed money...............................................................................

10. Trading liabilities:
a. Derivative liabilties
b. Other trading liabilities

9. Federal funds purchased and securities sold under agreements to repurchase...

8. Deposits

LIABILITES

7. Total assets measured atfairvalue on a recurrng basis...................

6. All other assets.. ................... ............................

current earnings (included in Schedule RC-Q, item 5.b. above) -- -

~: g~~;~::~~i~:s:::~i~.:::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: ::::: 1 :X.3
(1) Nontrading securities at fair value with changes in fair value reported in

5. Trading assets:

4. Loans and leases held for investment ....................................... ....................... I xx

2. Federal funds sold and securities purchased under agreements to resell......
3. Loans and leases held for sale

ASSETS
1. Available-for-sale securities.......................................................... ........

Dollar Amounts in Thousands

Reported on
Schedule RC
RCFD i

(ColumnA)
Total Fair Value

xx
xx
xx
xx
xx
xx

F689

xx
xx
xx
xx
xx
xx
xx

xx
xx
xx
xx
F688
xx

RCFD

Total Fair Value

Netted in the
Determination of

LESS: Amounts

(Column B)

xx
xx
JO
xx
xx
xx

F697

xx
xx
xx
xx
xx
xx
xx

xx
xx
xx
F696
xx

RCFD

Measurements

xx
xx
xx
xx
xx
xx

F262

xx
xx
xx
xx
xx
xx
xx

xx
xx
xx
F259
xx

RCFD

Measurements

xx
JO
xx

JO
JO

F263

xx
xx
xx
xx
xx
xx
xx

F260

xx
xx
xx

RCFD

Measurements

(Column D)
(Column E)
(ColumnC)
Level 1 Fair Value Level 2 Fair Value Level 3 Fair Value

Schedule RC-Q is to be completed by banks that (1) reported $500 milion or more in total assets at t1e beginning of t1eir fiscal year. (2) have elected to account for
financial instruments or servicing assets and liabilties at fair value under a fair value option. or (3) are required to complete Schedule RC-D- Trading Assets and Liabilties.

Schedule RC-Q-Assets and Liabilties Measured at Fair Value on a Recurring Basis

I 40 I

Page RC-28

FFIEC 031

Schedule RC-R-Regulatory Capital

FFIEC 031

Page RC-29

Dollar Amounts in Thousands RCFD

§J

Tier 1 capital b~", k

1. Tota~ capital (from Schedule RC, item ~.i1.,P..L................................................................. 3210

2. LES~: Net unrealized gains (losses) on available-for-sale securities1 (if a gain, report as a
positive value; if a loss, report as a negative value)........................................................................... 8434
3. LESS: Net unrealized loss on available-for-sale EQUITY securities1 (report loss as a positive
value) ................................................................................................................................................. A221
4. LESS: Accumulated net gains (losses) on cash flow hedges1 (if a gain, report as a positive value;

if a loss, report as a negative value) .................................................................................................. 4336
5. LESS: Non uali in e etual referred stock .. ....r..9.r..~~tr.'i.I1!:~~........................................... B588
6. Qualifyin minority interests in consolidated subsidiaries.................................................................. B589

4.
5.
6.

7. a. LESS: isallowed goodwil and other disallowed intangible assets .............................................. B590
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................................ B591

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............................................................................ B592
11.Tier 1 capital (sum of items 8 and 10, less items 9.a and 9.b) ............................................................ 8274

10.
11.

Tier 2 capital
12. Qualifing subordinated debt and redeemable preferred stock ......... ................... ........ .................... 5306
13. Cumulative perpetual preferred stock includible in Tier 2 capitaL...... ........ ................ .......... ........ ..... B593

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

14. Allowance for loan and lease losses includible in Tier 2 capitaL... .................................... ................. 5310
15. Unrealized gains on available-for-sale equity securities includible in Tier 2 capital... ....................... 2221
16. Other Tier 2 capital components ... ..... ..... .................... ..... .............. ............ .................. ..................... B594

17. Tier 2 capital (sum of items 12 through 16)....................................................................................... 5311
18. Allowable Tier 2 capital (lesser of item 11 or 17)............................................................................... 8275

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

19.

20. LESS: Deductions for total risk-based capital................................................................................... B595

20.
21.

21. Total risk-based capital (sum of items 11,18, and 19,

less item 20)................................................. 3792

Total assets for leverage ratio

RCFD

22. Average total assets (from Schedule RC-K, item 9) ................................................................
23. LESS: Disallowed goodwill and other disallowed intangible assets (from item 7.a above) .....
24. LESS: Disallowed servicing assets and purchased credit card relationships (from
item 9.a above) ........................................................................................................................
25. LESS: Disallowed deferred tax assets (from item 9.b above)..................................................

3368
B590

Tril

Bil

Mil

Thou

22.
23.
;:TC

':,

B591

24.
25.
26.
27.

5610
26. LESS: Other deductions from assets for leverage capital purposes........................................ B596
27. Average total assets for leverage capital purposes (item 22
less items 23 through 26) .......... A224
RCFD
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

Bil

Mil

Thou

28.a.
28.b.
29.

30. Adjustment to average total assets reported in item 27..................................................................... B505

30.

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

(ColumnA)
RCFD

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

(Column B)

-- _.-- -- _.--._.- -.- - - -.- Percentage

RCFD

Percentage

7204
7206
7205

1 Report amount included in Schedule RC, item 26.b, "Accumulated other comprehensive income."
2 The ratio for column B is item 11 divided by item 27. The ratio for column A is item 11 minus item 28.a divided by (item 27 minus item 30).
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 item 29).
4 The ratio for column B is item 21 divided by item 62. The ratio for column A is item 21 minus item 28.b divided by (item 62 minus item 29).

31.
32.
33.

36.

36. Available-for-sale securities

39.

40.
41.
42.

43.

39. Loans and leases, net of unearned income

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

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

42. All other assets1

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.

38.

38. Loans and leases held for sale

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

37.

35.

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

37. Federal funds sold and securities purchased under

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
these items at a 100 percent risk weight (50 percent for derivatives).
which ones to risk-weight at an appropriate lower risk weight, or it can simply risk-weight some or all of

Schedule RC-R-Continued

§J

Page RC-30

FFIEC 031

48.

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

or an institution-specific factor. For other financial standby letters of credit. use a credit conversion factor of 1.00. See
instructions for further information.
3 Or institution-specific factor.

1 Column A multiplied by credit conversion factor.
2 For financial standby letters of credit to which the low-level exposure rule applies, use a credit conversion factor of 12.5

Rtpla.ci¿ \..T1'~ iN oS €R. T P

52. All other off-balance sheet
liabilities.... ....... ... ,........ .... .... ....... ...... ....
Unused COllilillllllellls willi aii orlglrial

recourse

50. Recourse and direct credit substitutes
(other than financial standby letters of
credit) subject to the low-level exposur,
rule and residual interests subject to a
dollar-for-dollar capital requirement .....
51. All other financial assets sold with

51.

50.

47.

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

45.

Amount1

Credit
Equivalent

(Column B)

credit
46. Commercial and similar letters of
credit
47. Risk participations in bankers
acceptances acquired by the
reporting institution...............................

Credit
Conversion
Factor

44.

Amount

or Notional

Face Value

(ColumnA)

44. Financial standby letters of credit.......
45. Performance standby letters of

Derivatives and Off-Balance Sheet Items

Dollar Amounts in Thousands

Schedule RC-R-Continued

§J

Page RC-31

FFIEC 031

b. With an original maturity of one
year or less to asset-backed
commercial paper conduits

53. Unused commitments:
a. With an original maturity exceeding
one year

INSERT P - FFIEC 031

Dollar Amounts in Thousands

8771

8777
AOOO

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

19, (2) SllbiRusstFfel it gr

(1) Investment grade

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

e. Other commodity contracts

d. Other precious metals contracts.......................................................................... 8774

c. Gold contracts

a. Interest rate contracts......................................................... ................................. 3809
3812
b. Foreign exchange contracts

2. Notional principal amounts of derivative contracts:1

RCFD Tril

Bil

Mil

(Column C)

w.,ti iNSE/2í G

A001

Thou RCFD Tril

A002

through five years
Bil
Mil
Thou RCFD I Trill Bil i Mil I Thou
8766
8767
8769
8770
8772
8773
8775
8776
8778
8779

(Column B)
Over one year

(ColumnA)

One year or less

With a remaining maturity of

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

Over five years

62.

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

M.1

61.

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

Dollar Amounts in Thousands

60.

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

Memoranda

59.

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

57.

55.
56.

58.

Thou

Page RC-32

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

item 56)

(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

55. Total assets, derivatives. and off-balance sheet items by risk weight category

Totals

Schedule RC-R-Continued

FFIEC 031

INSERT Q - FFIEC 031

g. Credit derivative contracts:

Purchased credit protection that (a) is
a covered position under the market
risk rule or (b) is not a covered
position under the market risk rule
and is not recognized as a guarantee
for risk-based capital purposes:

(1) Investment grade .......................
(2) Subinvestment grade ..... ............

b. Recoveries

(calendar year-to-date):
a. Charge-offs.......................................

sold and securitized with servicing
retained or with recourse or other
seller-provided credit enhancements

5. Charge-offs and recoveries on assets

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

a. 3~9 days past due

4. Past due loan amounts included in
item 1:

reported in item 1 ......................... ........

c. Standby letters of credit and
other enhancements........................
3. Reporting bank's unused commitments to provide liquidity to structures

5.b.

5.a.

4.b.

4.a.

2.c.

2.b.

2.a.

Loans

and Industrial

b. Subordinated securities and other
residual interests

Loans

Other
Consumer
Loans

Auto

Credit
Card

Home
Equity
Lines

Receivables

(Column G)

All Other Loans,
All Leases, and
All Other Assets

(Column F)

Commercial

(Column E)

(Column D)

(Column C)

(Column B)

or with recourse or other sellerprovided credit enhancements.............
2. Maximum amount of credit exposure
arising from recourse or other
seller-provided 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).....

reporting bank with servicing retained

1. Outstanding principal balance of
assets sold and securitized by the

Bank Securitization Activities

Dollar Amounts in Thousands

Residential
Loans

1-4 Family

(ColumnA)

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

Page RC-33

FFIEC 031

6.b.

6.a.

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

Institutions

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.

Loans

and Industrial

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

Loans

Other
Consumer
Loans

Auto

Credit
Card

Home
Equity
Lines

Receivables

(Column G)

All Other Loans,
All Leases, and
All Other Assets

(Column F)

Commercial

(Column E)

(Column D)

(Column C)

(Column B)

7.a.

Residential
Loans

1-4 Family

(Column A)

a. 30-9 days past due

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

item 5)

Schedule RC-B or in Schedule RC,

a. Securities (included in

interests carried as:

6. Amount of ownership (or seller's)

Dollar Amounts in Thousands

Schedule RC-S-Continued

Page RC-34

FFIEC 031

Receivables

Loans

Auto

Credit
Card

Home
Equity
Lines

1-4 Family

Residential
Loans

(Column D)

(Column C)

(Column B)

(ColumnA)

Other
Consumer
Loans

Dollar Amounts in Thousands

Loans

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

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

M.2.d.

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

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

12.

11.

date or (2) are credit card specially banks as defined for Uniform Bank Performance Report purposes.

1 Memorandum item 2.c is to be completed if the principal balance of other financial assets serviced for others is more than $10 millon.
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 milion as of the report

(1) Conduits sponsored by the bank, a bank affliate, or the bank's holding company.....................................................................................
B809
(2) Conduits sponsored by other unrelated institutions.....................................................................................................................................
C407
4. Outstanding credit card fees and finance charges included in Schedule RC-S, item 1, column

(1) Conduits sponsored by the bank, a bank affliate, or the bank's holding company.....................................................................................
(2) Conduits sponsored by other unrelated institutions.................................................................................:...................................................
b. Unused commitments to provide liquidity to conduit structures:

and open-end loans) ........................................................................................................................................................................................
3. Asset-backed commercial paper conduits:
a. Maximum amQunt 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

B808

and Industrial

(Column G)

All Other Loans,
All Leases, and
All Other Assets

(Column F)

Commercial

(Column E)

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
b. Amount of retained recourse on these obligations as of the report date............................................................................................................
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)l..........................................................................................................................................

Memoranda

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

bank

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 031

Page RC-36

§J

Schedule RC- T -Fiduciary and Related Services
.ieR's 12 Uiiougb 18, items 19.8 ilU9ygh 23, BREI MeFRer8ndtlli item 4 wil hot be mede
availalale to ibe pYlalis OR 8R ineli.ielY81 iftstittltieft besis.
RCFD

1. Does the institution have fiduciary powers? (If "NO," do not complete Schedule RC-T.)............... A345

RCFD

2. Does the institution exercise the fiduciary powers it has been granted? .. ...... ...... ........ ................ A346

3. Does the institution have any fiduciary or related activity (in the form of assets or accounts) to RCFD
report in this schedule? (If "NO," do not complete the rest of Schedule RC- T.) ............................. B867

If the answer to item 3 is "YES," complete the applicable items of Schedule Re- T, as follows:
10J

Institutions with total fiduciary assets (item ~ sum of columns A and B) greater than $250 million (as of the preceding
December 31) or with gross fiduciary and related services income greater than 10% of revenue (net interest income plus
noninterest income) for the receding calendar year must complete:

. Items 4 through . quarter y, 2 2 . ~
. Items 29 thret1~h 23¡nnually with the December report, and - +h .."o.j J. Z'

. Memorandum items 1 through 4 annually with the December report.
\0.
Institutions with total fiduciary assets (item ~sum of columns A and B) greater than $100 milion 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 ~Xfuaiiy with the December report, and - '2'

. Memorandum items 1 through 4 annually with the December report.
i~)

Institutions with total fiduciary assets (item \. 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 uarterl reporting must complete:
. Items 4 through 'N nnually with the December report, and 1 3
. Memorandum items 1 through 3 annually with the December report.
(Column B)

(ColumnA)
Managed

Non-Managed

Assets

(Column C)
Number

Managed
Accounts

(Column D)
Number
of
Non-Managed
Accounts

Dollar Amounts in Thousands
IARY AND RELATED ASSETS

4. Persona t and agency accounts.......

5. Retirement relate st and agency

accounts:
a. Employee benefit-defined
contribution........................................ .
b. Employee benefit-defined
benefit.................................................

5.
RCFDB879

5.b
RCFDBBB3

5.c.

c. Other retirement accounts..................
RCFDC002

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

6.
7.
RCFDBB92

8. r fiduciary accounts .........................

Rcpl~.( ""ì-H INlE£.ì K

INSERT R - FFIEC 031
FIDUCIARY AND RELATED ASSETS
4. Personal trust and agency accounts ..
5. Employee benefit and retirementrelated trust and agency accounts:

Employee benefit-defined

RCFDB874

RCFDB875

contribution ...................................
b.

Employee benefit-defined

RCFDB878

RCFDB879

benefit ...........................................
Other employee benefit and

RCFDB82

RCFDB883

RCFDCOO1

RCFDCOO2

retirement-related accounts .........
6.
7.

Corporate trust and agency accounts .
Investment management and
investment advisory agency accounts

RCFDB88

RCFDXX

Foundation and endowment trust and

RCFDXX

RCFDB892

RCFDB893

RCFDB896

RCFDB897

agency accounts .................................

9. Other fiduciary accounts .....................
10. Total fiduciary accounts (sum of

items 4 through 9) ...............................
RCFDB899

11. Custody and safekeeping accounts ....
12. Fiduciary accounts held in foreign

offces (included in items 10 and 11) ..
13. Individual Retirement Accounts,

Health Savings Accounts, and
other similar accounts (included in
items 5.c and 11) ................................

RCFDB903

FFIEC 031

Page RC-37

Schedule RC- T -Continued
(ColumnA)
Managed

Non-Managed

Assets

(Column B)

FIDUCIARY AND RELATED

ASSETS-Continued
9. Total fiduciary accounts
9.

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

10. Custody and safek accounts ........
11. Fiducia unts held in foreign
cas (included in items 9 and 10).. .......

ClARY AND RELATED SERVICES INCOME

12. Perso st and agency accounts.............................................................................................. B904
13. Retirement rela st and agency accounts:

a. Employee benefit-de contribution.................................................................................... B905

b. Employee benefit-defined be t ....... .................................................... ............ .................... B9
c. Other retirement accounts..................... ........................................................................... ... 907
14. Corporate trust and agency accounts .................... .................................................... .............. A479
15. Investment management agency accounts....................... ............................. .......................... B908
16. Other fiduciary accounts ...................... .................. ............... ...... ....... .... ..................... ............. A480
17. Custody and safekeeping accounts ....... ....... ........... ........... ...... .......... ........ ....... .............. ........ B909

18. Other fiduciary and related services income ............ ....... .... .......... ........ ......... .......... ................. B910

13.a
13.b
13.c
14.
15.
16.
17.
18.

19. Total gross fiduciary and related services income m of items 12 through 18) (m equal
Schedule RI, item 5.a).............................. ..........................................................................
a. Fiduciary and related services ie-foreign offices

(included in item 19) ...... ......... .............. .......... ........ ................. ........ B912
58

20. Less: Expenses...... ..................................................................................................................... CO

21. Less: Net 10 from fiduciary and related services ..................................................................... A488

22. Plus' racompany income credits for fiduciary and related services ........................................... B911
. et fiducia and related services income........... ............. ............ ......... ...... ................ ........... ....... A491

\. R(p lac~ witi I NSt:R. T S
Managed Assets

Dollar Amounts in Thousands

1. Managed asse Id in personal trust and agency accounts:

a. Noninterest-bearing sits...................................................................................................
b. Interest-bearing deposits........... .................................................................................. ......
c. U.S. Treasury and U.S. Government a obligations...................................... ................
d. State, county and municipal obligations .................. ................................ ..........................

e. Money market mutual funds.................................................... ... .......................................
f. Other short-term obligations............................................... .................. .............................

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

g. Other notes and bonds.......................................... ...............................................
h. Common and preferred stocks .................. ...........................................................................
i. Real estate mortgages ............... ..........................................................................................
j. Real estate .................... ........................................................................................................

M.1.g.
M.1.h.

k. Miscellaneous s ............................. ..... .............................................................................

M.1..

i. Total ged assets held in personal trust and agency accounts (sum of Memorandum

. ems 1.a through 1.k) (must equal Schedule RC-T, item 4, column A)....................................

\. il~rlllc~ ..\~ (rJ~ER.T T

M.1.í.

M.1.j.

INSERT S - FFIEC 031
FIDUCIARY AND RELATED SERVICES INCOME
14. Personal trust and agency accounts ................................... .......................

15. Employee benefit and retirement-related trust and agency accounts:
a. Employee benefit-defined contribution .............................................. 8905
b. Employee benefit-defined benefit ...................................................... 8906
c. Other employee benefit and retirement-related accounts .................... 8907
16. Corporate trust and agency accounts ........................................................ A479
17. Investment management and investment advisory agency accounts ....... XX

18. Foundation and endowment trust and agency accounts ........................... XX
19. Other fiduciary accounts ........................................................ .................... A480
20. Custody and safekeeping accounts ........................................................... 8909

.._--

21. Other fiduciary and related services income .............................................. 8910
22. Total gross fiduciary and related services income (sum of items 14

through 21) (must equal Schedule RI, item 5.a) ........................................
a. Fiduciary and related services incomeforeign offices (included in item 22) ............. 18912 I
I
I
23. Less: Expenses .................................................. .......................................
24. Less: Net losses from fiduciary and related servi ces ................................
25. Plus: Intracompany income credits for fiduciary a nd related services ......
26. Net fiduciary and related services income .......... .......................................

C058
A488

8911
A491

INSERT T - FFIEC 031

(Column A)
Personal Trust and
Agency and Investment

(Column B)
Employee Benefit and
Retirement-Related Trust

Management Agency

and Agency Accunts

(Column C)

All Other Accunts

Accunts
1.

Managed assets held in fiduciary

accunts:
a.

Noninterest-bearing deposits ..

Interest-beanng deposits ........

U.S. Treasury and U.S.
Government agency

obligations ...............................
d.

State, county, and municipal

obligations ...............................
e.

Money market mutual funds ....

Equity mutual funds .................

Other mutual funds .................

Common trst funds and
collectve investment funds .....

Oter short-term obligations ...

Oter notes and bonds ...........

RCFD

Bil

Mil

Thou

RCFD

Bil

Mil

Thou

RCFD

xx
xx

xx
xx
xx
xx
xx
xx
xx
xx

xx
xx
xx
xx
xx

Bil

Mil

Thou

Investments in unregistered
funds and pnvate equity
investments .............................

Other common and preferred
stocks ......................................

Real estate mortgages ............

Real estate ..............................

Miscellaneous assets ..............

Total managed assets held in
fiduciary accunts (for each

column, sum of Memorandum
items 1.a through 1.0) .............

(Column A)
Managed Assets

(Column B)

Number of Managed

Accunts
q. Investments of managed fiducia ry

accunts in advised or

sponsored mutual funds ........... ............................................

FFIEC 031

Page RC-38

Schedule RC- T -Continued
(ColumnA)
Number
of

Memoranda-Continued

(Column B)

Principal Amount
Outstanding

Issues
Dollar Amounts in Thousands

2.a. Corporate
Corpora
unts:
and municipal trusteeshi ......... ...... ........ .... ..............

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

b. Transf rar, paying agent, and other corporate agency..............
R~lla.(~ \N"f1 iNseRT lA

(ColumnA)
Number
of
Funds

(Column B)

Market Value of
Fund

Assets

Dollar Amounts in Thousands

3. Collective investment funds and common trust funds:
B931

B932

B933
B935
B937
e. Municipal bond ..... ..................... ............. .......... ........................................... B939
f. Short term investments/Money market. .......... .................. ............ .............. 8941'
g. Specialty/Other............................................................................................ B943

8934
8936

a. Domestic equity ...........................................................................................
b. International/Global equity...........................................................................
c. Stock/Bond blend........................................................................................
d. Taxable bond ...............................................................................................

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

B938
B940
B942

M.3.f.
M.3.g.

B94

h. Total collective investment funds (sum of Memorandum items 3.a
through 3.g) .................................................................................................

E"'f'~~~l btrltf,'l o~o\

M.3.h.

(ColumnA)

(Column B)

(Column C)

Gross Losses
Managed
Accounts

Gross Losses

Recoveries

Non-Managed
Accounts

Dollar Amounts in Thousands

4. Fiduciary settlements, surcharges, and other losses:

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

d. Other fiduciary accounts and related services .........................

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

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.

b. etiremenkelated trust and agency accounts.........................
c. nvestment management agency accounts..............................

o.",ci ;I,VU.t..t'Vlt acl vi'sory

Person to whom questions about Schedule RC- T -Fiduciary and Related Services should be directed:

Name and Title (TXT 8962)

E-mail Address (TEXT 8926)

Telephone: Area code/phone number/extension (TEXT 896)

FAX: Area code/phone number (TEXT 896)

INSERT U - FFIEC 031

2. Corporate trust and agency accounts:
a. Corporate and municipal trusteeships

(1) Issues reported in Memorandum item 2.a. that are
in default
b. Transfer agent, registrar, paying agent, and other

corporate agency

FFIEC031
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 statementwil be made available
to the public, along with the publicly available data in the Reports of
Condition and Income, in response
to any request
for individual bank
report data. 118"0061, lIie ¡¡¡fel,i,stiOii iêpurled Iii 3cliedule RC T,

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

il81'8 12 ttiret:~ti 18, ite"
is 19.e lRF9t:flti 23, aiid lQelföratiUiiilteil
+. is ii~aided as eoiifie8fllielefle hill nul be lele3Séd to tile paoiie.

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

All information furnished by the bank in the narrative statement

must be accurate and not misleading. Appropriate efforts shall be
taken by the submitting bank to ensure the statement's accuracy.

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

BANKS CHOOSING TO SUBMIT THE NARRATIVE STATEMENT

SHOULD ENSURE THAT THE STATEMENT DOES NOT CONTAIN THE NAMES OR OTHER IDENTIFICATIONS OF INDIVIDUAL BANK CUSTOMERS, REFERENCES TO THE AMOUNTS
REPORTED IN THE CONFIDENTIAL ITEMS 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 commenl box below and should
make no entries of any kind in the space provided for the narrative
statement; Le., DO NOT enter in this space such phrases as "No

statement," "Not applicable," "N/A: "No comment: and "None."
The optional statement must be entered on this sheet. The state-

ment should not exceed 100 words. Further, regardless of the
number of words, the statement must not exceed 750 characters,
including punctuation, indentation, and standard spacing between
words and sentences. If any submission should exceed 750 characters, as defined, it will be truncated at 750 characters with no notice
to the submitting bank and the truncated statement wil appear as

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 wil appear in agency records
and in release to the public exactly as submitted (or amended
as described in the preceding paragraph) by the management of

the bank (except for the truncation of statements exceeding the
750-character limit described above). THE STATEMENT WILL NOT

BE EDITED OR SCREENED IN ANY WAY BY THE SUPERVISORY AGENCIES FOR ACCURACY OR RELEVANCE. DISCLOSURE OF THE STATEMENT SHALL NOT SIGNIFY THAT ANY
FEDERAL SUPERVISORY AGENCY HAS VERIFIED OR CONFIRMED THE ACCURACY OF THE INFORMATION CONTAINED
THEREIN. A STATEMENT TO THIS EFFECT WILL APPEAR ON
ANY PUBLIC RELEASE OF THE OPTIONAL STATEMENT SUBMITTED BY THE MANAGEMENT OF THE REPORTING BANK.

Comments? . ...... ..................... ... ................. ...... .................. ............... .... .......... ....... .... .... ................. ......................
......I6979
);/S\
I RCON
Yes r;U'li
BANK MANAGEMENT STATEMENT (please type or print clearly):
(TEXT 69BO)

No I

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Author	rstorch
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