041 Call Report

DRAFT

Board of Govrnrs of the Federal Reserve System
OMB Number: 71~~36

Federal Depoit Insuranc Corpratin
OMB Number: 30-052

Off of the Comptroller of th Curr
OMB Number: 1557-081

Federal Financial Institutions Examination Council

Expire May 31, 2012

~

IT

Please refer to pae i,
Table of Cotents, for

the reuir discosure

of estimated burdn.

Consolidated Reports of Condition and Income for
A Bank With DomesJ!~hqr;~~s Only~FFIEC 041
Report atthe close of business December 31 2999 (28188331) (2. 0100331)

, (RCN 99)

(Natinal banks).

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

This report is require by law: 12 U.S.C. §324 (State member banks);
12 U.S.C. §1817 (State nonmember banks); and 12 U.S.C. §161

NOTE: Each bank's bord of directrs and seior management are

We, the undersigned direcors (trstes), attest to the correctes of

responsible for establishing and maintaining an effectve system

the Report of Condition and Income (including the supportng sched-

of intemal cotrol, including contrls over the Report of Conditin
and Income. The Repo of Condition and Income are to be prepared in accrdanc with Federal regulatory authority instrctns.
The Repo of Condition and Income must be signed by the Chief

and belief have ben prepared in conformance with the instrctons

Financial Ofce (CFO) of the repoing bank (or by the individual per-

ules) for this report date and declare that the Report of Conditn and
Income have ben examined by us and to the bet of our knowledge

issued by the appropriate Federal regulatory authority and are tre

and correc.

forming an equivalent functon) and attted to by not les than two
direcors (trste) for State nonmember banks and three directors

for State member and National banks.

I, the undersigned CFO (or equivalent) of the named bank, attst that
the Report of Condition and Income (including the supportng sched-

ules) fo this report date have ben prepared in conformance with

Dire (Truste)
Direr (Trutee)

the instrctions isued by the appropriate Federal regulatory authority

and are tre and correc to the best of my knowledge and belief.

Direr (Truste)

Signatur of Chief Financal Ofr (or Equivalent)
Date of Signature

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

To fulfill the signature and attstation reuirement for the Report
of Condition and Incoe fo this report date, attch your bank's

(a) Using computer softare to prepare its Call Report and then
submittng the report data directy to the FFIEC's Centrl Data

completed signature page (or a photocpy or a computer-

Repository (CDR), an Internet-based system for data collection

(htt://cdr.ffec.gov/cdr/), or
(b) Completing its Call Report in paper form and arrnging with a

softare vendor or another part to convert the data into the electronic format that can be processed by the CDR. The softare

generate version of this page) to the hard-copy recod of the data file

submitt 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 exacty the appearance of the FFIEC's
sample report forms, but should show at least the caption of each
Call Report item and the reportd amount.

vendor or other part then must electonically submit the bank's

data file to the CDR.

For tecnical assistance with submissions to the CDR, please contact
the CDR Help Desk by telephone at (888) CDR-3111, by fax at (703)
774-3946, or bye-mail at CDR.HeIPlWffec.gov.

legl TI of Bank (RSSO 9017)

City (RSS 9130)

FDIC Certificate Number

i(RSS90)
iii

State Abbrev. (RSS 92)

zip Coe (RSSD 92)

Bord of Governors of the Federal Reserve System, Federal Deposit Insurance Corpration, Ofce of the Comptroller of the Currency

DRAFT

FFIEC 041

Pagei

o

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

Table of Contents

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

Report of Income
Schedule RI-Income Statement.........................RI-1. 2. 3

Schedule RC-eLoans and Lease Financing
Receivables:
Part i. Loans and Leases ................. RC-8, 9. 10, 11, 12
Part 11. Loans to Small Businesses and

Small Farms fte Be ee""lete~ fer the
ch:ifle re,el' eflly).................................... RC-12a. 12b

Schedule RI-A-ehanges in Bank Equity Capital........RI-4
Schedule RI-B-harge-offs and Recoveries on

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

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

Schedule RC-D- Trading Assets and Liabilties
(to be completed only by selected

banks) ...................................................... RC-13. 14, 15

Schedule RC-E-Deposit Liabilties ..... .............. RC-16. 17
Schedule RC-F-Qther Assets ......... ..... .... .... ........ ... RC-18

Report of Condition

Schedule RC-G-oer Liabilities.. ........ ..... ....... ...... RC-18

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

Schedule RC-K-Quarterly Averages ...................... RC-19

Schedule RC-A-eash and Balances Due

Schedule RC-L-Derivatives and

From Depository Instiutions
(to be completed only by selected banks).............. RC-3

Schedule RC-B-ecurities ... ... .......... ....... RC-3. 4. 5. 6. 7

Of-Balance Sheet Items .................... RC-20. 21. 22. 23

Schedule RC-M-Memoranda ........................... RC-24. 25
Schedule RC-N-Past Due and Nonaccrual

Loans, Leases. and Other Assets .. .... RC-26. 27. 28. 29

Schedule RC-Qther Data for Deposit
Insurance and FICO Assessments. ........ ..... ... RC-29. 30
Disclosure of estimated Burden

The estimat avera burden asate wiU this information colleon is

Schedule RC-P-1-4 Family Residential
Mortgage Banking Activities (to be completed
only by selected banks)........................................ RC-31

41.3 hours per respondent and is estimate to vary fr 16 to 65 hors per

respons. depending on individual circmstances. Burden estimates Incude th
time for reviing instrions, gathring and maintining data in th reuire fo,

and coplting th infatin coleion, bu exclude th time for copUing and
maintining business rerds in th normal co of a respondent's acties. A

Federal agnc may not couc or sponso. and an orgniztin (or a pers) is no
reuire to repo to a colle of infoat, unless it displays a currnt valid

OMB cotr number. Commets cocerning the acra of this burden estimat

Schedule RC-QAssets and Liabilties
Measured at Fair Value on a Recurrng
Basis (to be completed only by
selected banks)..............................................

RC-32. 33

and suggestis for reucng this burden shouid be dire to th Of of Informa-

Schedule RC-R-Regulatory Capital.... RC-34. 34, 35, 36,

ti and Regulatory Afirs, Of of Manament and Budge, Washingtn, D.C.

37.38

20503. an to one of th following:

setary

Bord of Governors of the Federal Reserve System

Schedule RC-Servicing. Securitization,
and Asset Sale Activities .......................... RC-39. 40. 41

Washingt, D.C. 20551

Legislative and Regulatory Anlyis DMsion

Of of th Coptroller of the Currnc
Washing, D.C. 20219

Assistant Execve Sectary

Federal Depos~ Insuranc Corpran
Washingon, D.C. 2029

Schedule RC-T-Fiduciary and
Related Services .... ........... .... .... ......... RC-42, 43. 44. 45

Optional Narrative Statement Concerning
the Amounts Reported in the Report
of Condition and Income ...................................... RC-46

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.

DRAFT

FFIEC041

Pagii

Contact Information for the Report of Condition and Income

o

To facilitate communication between the Agencies and the bank concerning the Repo of Condition and Income, please prvide contact infortion for

(1) th Chief Financial Ofcer (or equivalent) of the bSnk signing the report for this quartr and (2) the person at the bank-other than the Chief Financial Ofcer (or equivalent)- to whom questions about the report should be direct. If the Chief Financial Ofcer (or equivalent) is the primary contact

for questions about the reports, please prvide cotact infortion for another pers at the bank who wil serve as a secndary contact for communications betwn the Agencies and the bank cocerning the Report of Condition and Income. Enter "none" for the contacts e-mail address or fax number
if not available. Contact information for the Reports of Condition and Income is for the confiential use of the Agencies and wil not be relased to the
public.

Chief Financial Ofcer (or Equivalent) Signing the Report Other Person to Whom Questions about the Report

Should be Directd
Name (TEX Cl901

Name (TClIl)

Title (T ClO1)

Title (T Clll)

E-mail Addre (TEX Cl92)

E-mail Address (T 40)

Telep: Ar cophone number/exnsion (T Cl901

Telephone: Ar coe/phne number/exnsion (TEX 89)

FAX: Ara cophone number (TEX Cl841

FAX: Ar coe/phone number (TEX 0118)

Emergency Contact Information
This informtion is being reuested so the Agencies can distrbute crtical, time sensitive infortion to emergency contact at banks. Please provide primary cotact information for a senior offcial of the bank who has decision-making autority. Also provide informtion for a secondary contact if available.

Enter "none" for the contacts e-mail address or fax number if not available. Emergency contact information is for the confiential use of the Agncis
and will not be released to the public.

Primary Contact Secondary Contact
Name (T C3)

Name (TEX C31)

Title (TEX C371

Title (T C3n)

E-mail Address (TEX C3)

E-mail Adress (TEX C373)

Teleph: Ara coe/phone number/extnsion (TEX C3)

Teleph: Ar coe/phone number/exnsion (TEX C3741

FAX: Ar coe/phone number (TEX C370)

FAX: Ar coe/phone number (TEX C375)

DRAFT
USA PATRIOT Act Section 314(a) Antl.Money Laundering Contact Information

FFIEC 041

Pageli

o

This information is being reuested to identif points-of-contact who are in charge of your bank's USA PATRIOT Act section 314(a) infortion reuests.
Bank persnnel

listed could be contacted by law enforcement offcers or the Financial Crimes Enforcment Netwrk (FinCEN) for additional informti

relate to specic secton 314(a) search requests or other anti-terrrist financing and anti-moey laundering matters. Communications sent by FinCEN
to the bank for purpses other than seion 314(a) notificatins will state the intended purpose and should be direed to the apprpriate bank persnnel for review. Any disclosure of customer records to law enforcement offcers or FinCEN must be done in compliance with applicable law, including the

Right to Financil Privacy Act (12 U.S.C. 3401 et seq.).

Please provide informtion for a primary and secodary contact. Informtion for a third and fourt contact may be provided at the bank's optin. Enter
"none" for the contacts e-mail address

if not

available.

This

contact informtin is for the cofiential use of the Agencis, FinCEN, and law

offcers and wil not be release to the public.

Primary Contact

secondary Contact

Name (TEX C4)

Name (T CU)

ntle (TEX CI)

ntle (T (;)

E-mail Addre (T C41

E-mail Adre (TEX CW)

Telep: Ara cophne number/extnsion (TEX C4)

Telepho: Ara coe/phne number/exnsion (T CW)

Third Contact

Fourt Contact

Name (TEX ca)

Name (TEX ca751

.

TIe (T C81)

ntle (TEX ca78)

E-mail Addres (TEX can)

E-mail Address (T ca77

Telephone: Ara coe/phone number/exnsion (TEX ca73)

Telephone: Ara coe/phne number/extension (TEX C8)

enforcent

DRAFT
Consolidated Report of Income
for the period January 1, 2000 Deeeffber 31, 2000 2.0 l 0 - M o.r-cj. 31, 2.01 0

FFIEC041
PageRI-1

o

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

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

(1) Loans secured by real estate:
(a) Loans secured by 1-4 family residential properties ........................................................

1.a.(1 )(a)

(b) All other loans secured by real estate .............................................................................
...................................................
loans.........................................
(2) Commercial and industrial
(3) Loans to individuals for household, family, and other personal expenditures:
(a) Credit cards .....................................................................................................................

1.a.(1 )(b)

1.a.(2)

1.a.(3)(a)

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

plans other than credit cards).......................................................................................... 8486
(4) Loans to foreign governments and offcial institutions ........................................................... 4056
(5) All other loans1............................................................................................ ............ ..... .......... 4058
(6) Total interest and fee income on loans (sum of itern 1.a.(1 )(a) through 1.a.(5)) .................. 4010
b. Income from lease financing receivables ............................................,........ ................................ 4065
c. Interest income on balance due from depoitory institutions2.................................................... 4115
d. Interest and dividend income on securities:
(1) U.S. Treasury securities and U.S. Government agency obligations (excluding

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

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.).......................................................................................................................................
e. Interest income from trading assets ........................................ ... ...... ..... ................ .............. .........

f. Interest income on federal funds sold and securities purchased under agreements to resell .....
g. Other interest income ...................... .............. ...............................................................................
h. Total interest income (sum of itern 1.a.(6) through 1.g) ..............................................................
2. Interest expense:

1.d.(3)
1.e.

1.

1.g.
1.h.

a. Interest on deposits:

(1) Transaction accunts (NOW accunts, ATS accunts, and telephone and preau1horized
transfer accunts) ..................................................................................................................
(2) Nontransaction accunts:
(a) Savings deposits (Includes MMDAs) ................ ............................................................. 0093

(b) Time depoits of $100,000 or more................................................................................. AS17
(c) Time deposits of less than $100,000............................................................................... AS18
b. Expense of federal funds purchased and securities sold under agreements to repurchase........ 4180
c. Interest on trading liabilties and other borrowed money.............................................................. 4185

2.a.(1 )

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

1 Includes interest and fee income on "Loans to depository institutins and accptances of other banks; "Loans to finance agricultural producton and other
loans to farmrs,. .Obligations (other than securities and leases) of states and political subdivisions in the U.S.; and "Other loans."
2 Includes interest income on time certficates of deposit not held for trding.

DRAFT

FFIEC 041

Page RI-2

o

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.
4.

3. Net interest income (item 1.h minus 2.e) ....................................................
4. Provision for loan and lease losses................................................... ..........
5. Noninterest income:

a. Income from fiduciary actvities1.............................................................4070
b. Service charges on deposit accunts.......................:............................. 4080
c. T rading revenue2.................................................................................... A220
d. (1) Fees and commissions from securities brokerage........................... C886
(2) Investment banking, advisory, and underwting fees and

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

e. Venture capital revenue............. ..... ...................... ........... ... .................... 8491

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

f. Net servicing fes................................................................................... 8492

5.1.

g. Net securitization income.... ................ ..... ............ ... ................ ............... 8493
h. Not applicable

5.g.

commissions .................................................................................... C888
(3) Fees and commissions from annuity sales ...................................... C887

(4) Underwring income from insurance and reinsurance actvities...... C386
(5) Income from other insurance activities ............................................ C387

i. Net gains (losss) on sales of loans and leases .................................... 5416
j. Net gains (losses) on sales of other real estate owned.......................... 5415
k. Net gains (losses) on sales of other assets (excluding securities)......... 8496

i. Other noninterest income...... .......... ......... ... ............. ... ........................... 8497
m. Total noninterest income (sum of items 5.a through 5.1).........................
6. a. Realized gains (losses) on held-to-aturity securities...........................

5.m.
B.a.

6.b.

b. Realized gains (losses) on available-for-sale securities.........................
7. Noninterest expense:

a. Salaries and employee benefits ............................................................. 4135
b. Expenses of premises and fixed assets (net of rental income)
(excluding salaries and employee benefits and mortgage interest) ....... 4217

7.a.

c. (1) Goodll impairment losses ............................................................. C216
(2) Amortzation expense and impairment losses for other
intangible assets.......... ... ............... .................................... .............. C232
interest expense........................................... .... .... ... ............... 4092
e. Total noninterest expense (sum of items 7.a through 7.d) .....................

d. Other non

7.e.

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

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

8.
9.

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

10.
11.

12. Net Income (loss) attbutable to bank and noncontrllng (minority)

Interests (sum of Items 10 and 11) ..........................................................

12.

13. LESS: Net Income (loss) attributable to noncontrollng (minority)
Interests (If net Income, report as a positive value; If net loss, report
as a negative value) .................................................................................
14. Net Income (loss) attributable to bank (Item 12 minus Item 13) ..........

. Descrbe on Schedule RI-E-Explanations

1 For banks required to complete Schedule RC-T, items 14 through 22, income from fiduciary activties reported in Schedule RI, item 5.a, must
equal th amount reported in Schdule RC-T, item 22.

2 For banks required to complete Schedule RI, Memorandum item 8, trading revenue reported in Schedule RI. item 5.c, must equal the sum of
Memorandum items 8.a through 8.e.

13.
14.

DRAFT

Schedule RI-Continued

FFIEC 041

Page RI-3

o

Memoranda Dollar Amounts in Thousands
1. Interest expense incurred to carr tax-exempt securities, loans, and leases acquired after
August 7, 1986, that. is not deductible for federal income tax purpoes ............................................
Memorandum Item 2 Is to be complete by banks wit $1 billon or more In total assets.

M.1.

1

2. Income from the sale and servicing of mutual funds and annuities (included in Schedule RI,
item 8)................................................................................................................................................
3. Income on tax-exempt loans and leases to states and political subdivisions in the U.S. (included
in Schedule RI, items 1.a and 1.b).....................................................................................................
4. Income on tax-exempt securities issued by states and political subdivisions in the U.S.

M.2.
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

MA.

number)..............................................................................................................................................

M.5.

Memorandum item 6 is to be completed by:1

banks wi $300 million or more in total assets, and
banks wit less than $300 million in total assets that have loans to finance agricultural

proucton and other loans to farmers (Schedule RC-C, part i, item 3) exceeing
five percent of total loans.
6. Interest and fee income on loans to finance agricultural production and other loans to farmers

(included in Schedule RI, item 1.a.(5))............................................................................................... 4024

7. If the reporting bank has restated its balance sheet as a result of applying push down RIAD CC
accunting this calendar year, report the date of the bank's acquisition2 ..... .............. ....... ...... 9106
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 reportd average trading assets (Schedule RC-K, Item 7) of $2 million or more

for any quartr of the preceding calendar year.): RIAD
8757

M.6.

YY MM DD
M.7.

Year-to-ate
Bil Mil Thu

a. Interest rate exposures.......................................................................... ........................................
8758
b. Foreign exchange exposures ....................... .... ...... ..................................................... ..................
8759
c. Equity security and index exposures.............................................................................................
d. Commoity and other exposures .................................................................................................. 8760
F186
e. Credit expoures .............................................................. ........... .................... ..............................
9. Net gains (losses) reconized in earnings on credit derivatives that economically hedge
credit exposures held outside the trading accunt:
a. Net gains (losses) on credit derivatives held for trading................................................................ C889
b. Net gains (losses) on credit derivatives held for purpses other than trading............................... C890
10. To be completed by banks with $300 million or more in total assets:1

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

Credit loes on derivatives (see instructions)................................................................................... A251

M.10.

11. Does the reporting bank have a Subchapter S election in effect for federal income tax purposes
for the current tax year? ........................ ........... .............. ........ .............. ............. ... ............. ................. A530

M.11.

Memorandum item 12 is to be completed by banks that are reuire to complete Schedule RC-C,
part i, Memorandum items B.b and B.C.
12. Noncash income from negative amortization on closed-end loans secured by 1-4 family
residential properties (included in Schedule RI, item 1.a.(1)(a))........................................................

M.12.

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

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

liabilites under a fair value option.
13. Net gains (loses) reconized in earnings on assets and liabilities that are reported at fair
value under a fair value option:
a. Net gains (losses) on assets .........................................................................................................
(1) Estimated net gains (losses) on loans attributable to changes in instrument-specific

credit risk............................................................................................................................. ....
b. Net gains (losses) on liabilties......................................................................................................
(1) Estimated net gains (losses) on liabilties attributable to changes in instrument-

M.13.a.

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

J N S E"tZ fpecÄc credit risk.... ................ .... ......... ........... ........... ............... ........... ............................ .......
1 The asset size lests and the five percent of total

loans lest are generally based on the total assets and total

June 30, 200~, Report of Condition.
2 For example, a bank acquired on March 1, 2008, would report 20080301.

loans reported on the

INSERT A - FFIEC 041

14. Other-than-temporary impairment losses on held-ta-maturity and

available-for-sale securities:
a. Total other-than-temporary impairment losses

b. Portion of losses recgnized in other comprehensive income

(before income taxes) ...... .............. ......... .............................. ............
c. Net impairment losses recognized in earnings (included in

Schedule RI, items 6.a and 6.b) .......................................................

DRAFT

FFIEC041

PageRI-4

C!

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

Dollar ~unts in Thousands

RIAD

Bil

1. Total bank equity capital most recently reported for the December 31, 200', Report of Condition r;;:
and Income (Le., after adjustments from amended Report of Income)............................................ v-3217\
.'
2. Restatements due to corrections of material accunting errors and changes in accunting
8507
principles*...........................................................................................................................................
3. Balance end of previous calendar year as restated (sum of items 1 and 2) ...... ................................ 8508
4. Net income (loss) atributable to bank (must equal Schedule RI, Item 14)..................................... 4340

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

r¡~:~;1i

Mil

. '.

,

'1;,

8509
8510
4356
4470
4460

transactions)................................................................. .................................................. ........ ........ ....
6. Treasury stock transactions, net.... ....................... ...................... ................................... ..... ........... ....
7. Changes incident to business combinations, net....... ....................... .... ............................................
8. LESS: cash dividends declared on preferred stoc.............................. .............................................
9. LESS: cash dividends declare on common stock ...................... .................... ............................. ....
10. Other comprehensive income1........................................................................................................... 8511

~

Thu
....

....,

1.

2.
3.
4.
"'.i.F'

11. Other transactions with parent holding company* (not included in items 5, 6, 8, or 9 above) ........... ~.

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

12. Total bank equity capital end of current period (sum of items 3 through 11) (must equal"
Schedule RC, Item rT.a) ................................................................................................................... 3210

12.

*Desaibe on SCedule RI-E-Explanations.
1 Includes changes in net unrealized holding gains (losses) on available-for-sale serities, changes in accmulated net gains (losses) on cash

flow hedges, and pension and other postrtirement plan-related chnges other than net periodic benefit cot.

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-o and recoveries through

the allocted transfr risk reserve.

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

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

1.a.(1 )

loans ................................................................................................. C893

1.a.(2)

b. Secured by farmland.................... ............................................................ 3584

1.b.

c. Secured by 1-4 family residential properties:
(1) Revolving, open-end loans secured by 1-4 family residential

properties and extended under lines of credit................................. 5411
(2) Closed-end loans secured by 1-4 family residential properties:
(a) Secured by first liens .................................................................. C234
(b) Secured by junior liens ............................................................... C235
d. Secured by multifamily (5 or more) residential properties ....................... 3588
e. Secured by nonfarm nonresidential properties:
owner-occupied nonfarm nonresidential
(1) Loans secured by
properties............................. ............................................................. C895
(2) Loans secured by other nonfarm nonresidential properties.............. C897

2. Loans to depository institutions and accptances of other banks................ 4481

1.c.(1 )

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

1.e.(1 )

1.e.(2)
2.

3. Not applicable
4. Commercial and industrial

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

............. 4638

1 Include write-downs arising from trnsfers of loans to a held-for-sale accunt.

4.

DRAFT

FFIEC041

PageRI-5

o

Schedule RI-B-Continued
Part I. Continued
(Column B)

Recoveries
Dollar Amounts in Thousands

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

expenditures:
a. Credit cards ............................................................................................. 8514
b. Other (includes single payment, installment, all student loans,

and revolving credit plans other than credit cards).................................. 8516
6. Loans to foreign governments and offcial institutions... ........ ................. ..... 4643
7. All other loans2............................................................................................. 4644
8. Lease financing receivables......................................................................... 4266
9. Total (sum of items 1 through 8)................................................................... 4635

5.a.
8517
4627
4628
4267
4605

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

1 Include wriìHows arising fr trnsfers of loans to a held-for-sale accunt.
2 Includes charge-ff and recoveris on "Loans to finance agricultra proucton and other loans to farmers," "Obligatins (other than
secuntes and leases) of states and political subdivisions in the U.S.," and "Oter loans."

(Column B)

Recoveries
Memoranda

Dollar Amounts in Thousands

1. Loans to finance commercial real estate, construction, and land
development activities (not secured by real estate) included in
M.1.

Schedule RI-B, part I, items 4 and 7, above ................................................ 5409
2. Memorandum items 2.a through 2.d are to be completed by banks with
$300 million or more in total assets:2
a. Loans sered by real estate to non-U.S. addressees (domicile)
(included in Schedule RI-B, part I, item 1, above)................................... 4652
b. Loans to and accptances of foreign banks (included in Schedule

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

RI-B,part i, item 2, above) ...................................................................... 4654
c. Commercial and industrial

loans to non-U.S. addressees (domicile)

(included in Schedule RI-B, part i, item 4, above)................................... 466
d. Leases to individuals for household, family, and other persnal

M.2.c.

expenditures (included in Schedule RI-B, part i, item 8, above) ............. F185

M.2.d.

3. Memorandum item 3 is to be completed by:2
. banks with $300 millon or more in total assets, and
. banks wit less than $300 million in total assets that have loans to
finance agncultural proucton and other loans to fanners

(Schedule RC-C, part i, item 3) exceeding five percent of tota/loans:
Loans to finance agricultural prouction and other loans to farmrs
(included in Schedule RI-B, part i, item 7, above......................................... 4655

M.3.

Memorandum item 4 is to be completed by banks that (1) together wit affliated instutions, have
outstanding creit card receivables (as defined in the instructons) that exceed $500 million as of the
report date or (2) are credit card specialty banks as defined for Unifonn Bank Perfnnance Report
Calendar \ ear-to-ate

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

RIAD 1 Bil Mil I Thou

C388T I

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

on the June 30. 200;, Report of Condition.
9

loans test are generally based on the total assets and total

loans reported

MA.

DRAFT

FFIEC041

PageRI-6

~

Schedule RI-B-Continued
Part II. Changes in Allowance for Loan and Lease Losses
Dollar Amounts in Thousands

1. Balance most recently reported for the December 31, 200j, Report of Condition and Income
(i.e., after adjustments from amended Report of Income)................................................................
2. Recoveries (must equal part I, item 9, column B, above) ..................................................................
3. LESS: Charge-offs (must equal part I, item 9, column A, above less Schedule RI-B,

part Ii, item 4)..................................................................................................................................... C079
4. LESS: Wnte-downs arising from transfers of loans to a held-for-sale accunt................................ 5523

5. Provision for loan and lease los (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) ..................................................................................................

Memoranda

1.

2.
3.
4.
5.
6.
7.

Dollar Amounts in Thousands RIAD

1. Allocated transfer risk reserve included in Schedule RI-B, part II, item 7. above ....... ....................... C435

M.1.

Memorandum items 2 and 3 am to be completed by banks that (1) together wit affliated instiutons,
have outstanding cmdit card reeivables (as defined in the instrctons) that exceed $50 milion as
of the mport date or (2) am cmdit card specalt banks as defined for Unifrm Bank Perfrmance
Report purposes.
2. Separate valuation allowance for uncollectible retail credit card fees and finance charges .............. C389
3. Amount of allowance for loan and lease losses attributable to retail credit card fees and finance
charges ......................:........................................................................................................:.............. C390

M.2.
M.3.

Memorandum nem 4 /5 to be completed by all banks.
4. Amount of allowance for post-acquisition losses on purchased impaired loans accunted for in
accrdance with AICPA Statement of Position 03-3 (included in Schedule RI-B, part II, item 7,
above) ................................................................................................................................................ C781

. Descrbe on Schedule RI-E-Explanations.

MA.

DRAFT

FFIEC041

PageRI.7

EJ

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

significant items of other non

Dollar Amounts in Thousands
interest income (from Schedule RI. item 5.1)
Itemize and describe amounts greater than $25,00 that exceed 3% of Schedule RI, item 5.1:
a. Income and fees from the printing and sale of check .................................................................. C013
b. Earnings onlincrease in value of cash surrender value of life insurance ...................................... C014
c. Income and fees from automated teller machines (ATMs)............................................................ C016
d. Rent and other income from other real estate owned ................................................................... 4042
e. safe deposit box rent .................................................................................................................... C015

1. Other non

i.
~
4461
j.
TE.
4462
~ ~ ~
f. Net change in the fair values of financial instruments accunted for under a fair value option .... F229

g. Bank card and credit card interchange fees.................................................................................. F555
h. Gains on bargain purchases ........................................................ ...................... ........................ J447

interest expense (from Schedule RI, item 7.d)
Itemize and descrbe amounts greater than $25,00 that exce 3% of Schedule RI, item 7.d:
a. Data prossing expenses............................................................................................................ C017

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

1.

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

2. Other non

b. Advertising and marketing expenses ............... ........................................................... .................. 0497
c. Directors' fees ................. .............................................................................................................. 4136
d. Printing, stationery, and supplies................................................................................................... C018
e. Postage ......................................................................................................................................... 8403
f. Legal fees and expenses .............................................................................................................. 4141

g. FDIC depoit insurance assesments........................................................................................... 4146
h. Accunting and auditing expenses................................ .............................................. .................. F556
i. Consulting and advisory expenses..... ........... ............................... ...................................... ........... F557
j. Automated teller machine (ATM) and interchange expenses........................................................ F558

2.a.
2.b.
2.c.
2.d.
2.e.
2.1.

2.g.
2.h.
2.i.
2.j.
2.k.
2.1.

;ir~~M~~~..................................................................................................... ~

2.m.
2.n.

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

a. (1) ~

(2) A Iicable income tax effect............... ... .............. ......... ..................... 4486

b. (1) ~

(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)

DRAFT

FFIEC041
Page RI-8

~

Schedule RI-E-Continued
Dollar Amounts in Thousands

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

a. r1l~.'.~~I.~"""~.~~.~."""~"~~~.~.~.~.~~~.~~.~~~~:.......
b. 117 _

4.a.
4.b.

5. Other transactions with parent holding company (from Schedule RI-A, item 11)

a.~
b.~
a.~
b.~

(itemize and describe all such transactions):

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

5.a.
5.b.

6.a.
6.b..

7. Other explanations (the space below is provided for the bank to briefly describe, at its

option, any other significant itern affecting the Report of Income):
Comments?. ................... ..............................,................................................................................ ....

Other explanations (please type or print clearly):
(T

47l1)

7.

DRAFT

FFIEC 041

Pag RC-1

Consolidated Report of Condition for Insured Commercial ~
and State-Chartered Savings Banks for DeeeffBer 31,2009 March 3/, 2.010
to be reported in thousands of dollars. Unless otherwise indicated,
report the amount outstanding as of the last business day of the quarter.

All schedules are

Schedule RC-Balance Sheet
ASSETS
1. cash and balances due from depository institutions (from Schedule RC-A):
a. Noninterest-bearing balance and currency and coin1 .................................................................
b. Interest-bearing balances2 ................................................................................. ...........................

1.a.
1.b.

2. Securities:

2.a.
2.b.

a. Held-to-maturity securities (from Schedule RC-B, column A) ............ ...........................................
b. Available-for-sale securities (from Schedule RC-B, column D).....................................................

3. Federal funds sold and securities purchased under agreements to resell:
a. Federal funds sold ..................................... ....................................................................................
b. Securities purchased under agreements to resell3 ......................... ..............................................
4. Loans and lease financing receivables (from Schedule RC-C):
a. Loans and leases held for sale.................................................................
b. Loans and leases, net of unearned income ............................................ 8528
c. LESS: Allowance for loan and lease loses ............................................ 3123
d. Loans and leases, net of uneamed income and allowance (item 4.b minus 4.c)..........................
5. Trading assets (from Schedule RC-D) ...................... ..... ............ ............. ...........................................
6. Premise and fixed assets (including capitalized leases) ..................................................................
7. Other real estate owned (from Schedule RC-M)............................................................. ....... ............
8. Investments in unconsolidated subsidiaries and associated companies ............................... ............
Investments In real estate ventures........... .............................. ................. .....
9. Direct and Indirect

3.a.
3.b.

8529

355
2145
2150
2130
3656

10. Intangible assts:
a. Goowil......................................................................................................................................... 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 Includes cash items in prss of collecton and unposted debits.
2 Includes time certficates of depoit not held for tring.

3 Includes all securities resle agrements, regardless of maturity.

4.a.
4.b.
4.c.
4.d.
5.
6.
7.
8.
9.

10.a.
10.b.
11.

12.

DRAFT

FFIEC 041

PageRe-2

~

Schedule RC-Continued

LIABILITIES

13. Depoits:
a. In domestic offces (sum of totals of columns A and C from Schedule RC-E .......... .....................

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

13.a.
13.a.(1 )

13.a.(2)

b. Not applicable

14. Federal funds purchased and securities sold under agreements to repurchase:
a. Federal funds purchased2 .......................... .................................. ................................ .................
b. Securities sold under agreements to repurchasø3 ...... ................................... ............................... B995
15. Trading liabilties (from Schedule RC-D)............................................................................................ 358

14.a.
14.b.
15.

16. Other borrwed money (includes mortgage indebtednes and obligations under
capitalized leases) (from Schedule RC-M).........................................................................................
17. and 18. Not applicable
19. Subordinated notes and debentures4 ............. .......................... .........................................................

16.

20. Other liabilties (from Schedule RC-G)...............................................................................................
liabilities (sum of itern 13 through 20)......................................................................................
21. Total
22. Not applicable

20.
21.

19.

EQUITY CAPITAL

Bank Equity Capital
23. Perptual preferred stock and related surplus . .................................................................................. 388

24. Common stock................................................................................................................................... 3230
25. Surplus (excludes all surplus related to preferred stock) ................................................................... 3839
26. a. Retained earnings ....................................................................................... .................................. 3632

b. Accmulated other comprehensive income ............................................... .................................. B530

23.
24.
25.
26.a.
26.b.

c. Other equity capital components6 .................................................................................................. A130

26c.

27. a. Totl bank equity capital (sum of Items 23 through 26.c) ........................................................ 3210
b. Noncontrollng (minority) Interests In consolidated subsidiaries.......................................... 3000
28. Totl equit capital (sum of Items 27.a and 27.b).......................................................................... G105
liabilties and equity capital (sum of Items 21 and 28) .......... .............................................. 3300
29. Totl

27.a.
27.b.
28.
29.

Memoranda
To be reportd with the March Report of Condition.

1. Indicate in the box at the right the number of the statement below that best describes the

mot comprehensive level of auditing work perform for the bank by independent external
auditors as of any date during -2 ..~.1................ .................................................... .............................
1 = Independent audit of the bank conducted in accrdance with
generally accpted auditing standards by a certfied public
accunting firm which submits a report on the bank

2 = Independent audit of the bank's parent holding company co-

M.1.

4 = Direcors' examination of the bank conducted in accrdance wi
generally accpte auditing standards by a certified public
accunting firm (may be reuired by state chartnng authority)

5 = Direors' examination of the bank perform by other external

auditors (may be reuired by state chartenng authont)
ducted in accrdance with generally accpted auditng standards
by a certified public accunting firm which submits a report on the con- 6 = Review of th bank's financial statements by external auditors
solidated holding company (but not on the bank separately) 7 = Compilation of the bank's financial statements by external
auditors
3 = Attestation on bank management's assertion on the effectiveness of the

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

certfied public accunting firm 9 =

Other audit procures (excluding ta preparation work)

No external audit work

T02~~~:~rt;:c:llt:e::::r;::~~~~.~.~~~~~~.I.~~:.....................................................................................I:~:I MM I DD I M.2.

1 Includes total demand deposit and noninterest-bearing time and savings deposits.

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

pension liabilty adjustmnts.
6 Includes treasury stock and unearned Employee Stoc Ownership Plan shares.

DRAFT

FFIEC041

PageRG-3

~

Schedule RC-A-Cash and Balances Due From Depository Institutions
Schedule RC.A Is to be completed only by banks with $300 milion or more
In total assts. Exclude assets held for trading.

Dollar Amounts in Thousands RCON
1. cash items in pross of collection, unposted debits, and currency and coin:

a. cash items in process of collection and unposted debits..............................................................
b. Currency and coin ........................... ............................... ................. ..............................................
2. Balance due from depository institutions in the U.S.:
a. U.S. branches and agencies of foreign banks.......... .....................................................................
b. Other commercial banks in the U.S. and other depository institutions in the U.S. ............. ...........
3. Balance due from banks in foreign countries and foreign central banks:
a. Foreign branches of other U.S. banks........................................................................................... 0073

b. Other banks in foreign countries and foreign central banks.......................................................... 0074
4. Balance due from Federal Reserve Banks....................................................................................... 0090
5. Total (sum of items 1 through 4) (must equal Schedule RC, sum of items 1.a and 1.b).................... 0010

1.a.
1.b.

2.a.
2.b.

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

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

Held-to-maturi
(ColumnA)
Amortized Cot
Dollar Amounts in Thousands RCON Bil
1. U.S. Treasury securities.. 0211

1.

2. U.S. Government agency

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

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

2.8.

b. Issued by U.S.

Governmentsponsored agencies2..
3. Securities issued by
states and political
subdivisions in the U.S....

1 Includes Small Business Administrtion "Guarantee Loan Pool certifcates," U.S. Maritime Administration obligations, and Export-Import Bank
partcipation certficates.
2 Includes obligations (other than mortgage-backed securities) issued by the Farm Credit System, the Federal Home Loan Bank System, the
Fedral Home Loan Mortgage Corpration, the Federal National Mortgage Assocatin, the Financing Corpration, Resolution Funding
Corpration, the Student Loan Marketing Association, and the Tennessee Valley Authority.

2.b.

3.

DRAFT

FFIEC041

PageRC-

~

Schedule RC-B-Continued
Held-to-maturi

(Column A) (Column B)
Amortized Cost . Fair Value Amortized Cot
Dollar Amounts in Thousands RCON Bil Mil Thou RCON Bil Mil Thu RCON Bil
4. Mortgage-backed

securities (MBS):

a. Residential mortgag

pass-through
securities:
(1) Guaranteed by

4.a.(1 )

GNMA.................. G30
(2) Issued

byFNMAand

4.a.(2)

FHLMC................. G30
(3) Other pass-

4.a.(3)

through securities. G308

b. Oter residential

mortage-backed
securities (Include
CMOs, REMICs, and
strpped MBS):
(1) Issued or guar-

anteed by FNMA,
FHLMC, or GNMA G312

4.b.(1 )

(2) Collateralized by

MBS issued or
guaranteed by
FNMA, FHLMC,

4.b.(2)

or GNMA.............. G316
(3) All other
residential MBS .... G320
c. Commercial MBS:

4.b.(3)

(1) Commercial
mortgage
pass-through
4.c.(1 )

securities ............ G324

(2) Oter

4.c.(2)

commercial MBS. G328

5. Asset-backed securities
and strctured financial

product:
a. Asset-backed

5.a.

securities (ABS)........ C026

b. Structured financial

product:
(1) Cash .................... G33
(2) Synthetic............. G340
(3) Hybrid.................. G344

G337
G341
G345

G338
G342
G346

G339
G343
G347

5.b.(1 )

5.b.(2)
5.b.(3)

DRAFT

FFIEC 041

PageRG-5

~

Schedule RC-B-Continued

6. Other debt secrities:

a. Other domestic debt
securities..... ...... .........

6.a.

b. Foreign debt
securities................. ...

6.b.

7. Investments in mutual

funds and other equity
securities with readily

7.

determinable fair values1 .
8. Total (sum of itern 1

through 7) (total of
column A must equal
Schedule RC, item 2.a)
(total of column D must
equal Schedule RC,

8.

item2.b).........................
1 Report Federal Reserve stock, Federal Home Loan Bank stoc, and bankers' bank stoc in Schedule Re-F, item 4.

Memoranda
Dollar Amunts in Thousands RCON
1. Pledged securities1 ............................................................................................................................ 0416

M.1.

2. Maturi and repricing data for debt securities1, 2 (excluding those in nonaccrual status):
a. Securiies 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 passthrough
securiies other than those backed by closed-end first lien 1-4 family residential mortgages
with a remaining maturity or next repricing date of:3, 4

(1) Three months or less .............................................................................................................. A59
(2) Over three months through 12 months ............... .......... ....................... ........... ....... ................. A550
(3) Over one year through three years ......................................................................................... A551
(4) Over three years through five years........................................................................................ A552
(5) Over five years through 15 years............................................................................................ A553
(6) Over 15 years .......................................................................................;................................. A554
b. Mortgage pass-through securities backed by closed-end first lien 1-4 family residential
mortgages with a remaining maturity or next repricing date of:3. 5

(1) Three months or less .............................................................................................................. A555
(2) Over three months through 12 months ................................................................................... A556
(3) Over one year through three years......................................................................................... A557
(4) Over three years through five years........................................................................................ A558
(5) Over five years through 15 years............................................................................................ A559
(6) Over 15 years ................... ... ................................................................................................... A560
1.

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

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

Includes held-to-maturity secrites 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 serities 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 nonaccal debt securities in the categories of debt securities repoed in
Memorandum item 2.a that are included in Scedule RC-N, item 9, column C, must equal Schedule RC-B, sum of items 1,2, 3, 4.c.(1), 5, and 6,
columns A and 0, plus residential mortgage pass-through secrities other than those backed by closed-end first lien 1-4 family residential morgages
include 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 nonaccal mortgage pass-through securities backed by close-end first lien

1-4 family residential mortgages included In Scedule RC-N, item 9, column C, must equal Schedule Re-B, item 4.a, sum of columns A
and 0, les the amount of residential mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages
included in Schedule Re-B, item 4.a, columns A and D.

DRAFT

FFIEC 041

PageRC-6

(!

Schedule RC-B-Continued
Memoranda-Cntinued

Dollar Amounts in Thousands RCON

2. c. Other mortgage-backed securities (include CMOs, REMICs, and stripped MBS; exclude
mortgage pass-through securities) with an expeded average life of:6
(1) Three years or les ................................................................................................................. A51

(2) Over three years ... .................................................................................................................. A52
d. Debt securiies with a REMAINING MATURITY of one year or less (included in
Memorandum items 2.a through 2.c above).................................................................................. A248

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

3. Amortized cost of held-to-maturit securities sold or transferred to available-for-sale or trading
securities during the calendar year-to-ate (report the amortzed cost at date of sale or transfer) ...
4. Strudured notes (included in the held-to-maturity and available-for-sale accunts in
Schedule RC-B, items 2, 3, 5, and 6):
a. Amortized cost.... .............. ........ ..................... ................ ...... .................................... ......................
b. Fair value..................................................................... ............................................................. .....

M.3.

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

6 Sum of Memorandum items 2.c.(1) and 2.c.(2) plus any nonaccal "Oter mortgage-backed serities" included in Schedule RC-N, item 9,
column C, must equal Schedule RC-8, sum of Itms 4.b and 4.c.(2), columns A and D.

5. Aset-backed securities
(ABS) (for each column,
sum of Memorandum
items 5.a through 5.1

must equal Schedule
RC-B,

Item 5.a):

a. Credit card

receivables .......... ....... 8838
b. Home equity lines....... 8842
c. Automobile loans........ 8846
d. Other consumer

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

loans........................... 8850
e. Commercial and

M.5.d.

loans . .......... 8854
f. Other .... ........ .............. 8858

M.5.e.

industrial

M.5.1.

q
1 The $1 billon asset size test is generally based on the total assets reported on the June 3D, 200', Report of Condition.

DRAFT

FFIEC 041

PagRG-7

(!

Schedule RC-B-Continued
Memoranda-Cntinued

Held-to-maturi

(Column A) (Column B)

Amortized Cost Fair Value

Dollar Amounts in Thousands RCON BII Mil Th RCON Bil Mil Thou RCON BII
6. Structre financial

product by underlying

collateral or rerence
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 prerrd
securities Issued by
Institutions . G348

financial

M.6.a.

b. Trust prerrd
seuries Issued by

real esta
Investment trsts ...... G35

M.6.b.

c. Corprate and
similar loans .............. G35

M.6.C.

d. 1-4 family residential

MBS Issued or
guaranted by

U.S. government-

sponsored
enterprises (GSEs).... G360

M.6.d.

e. 1-4 family residential

MBS not Issued or

guaranted by GSEs. G36

M.6.e.

f. Diversifed (mixed)

pools of structured

financial product ..... G368
g. Oter collateral or

M.6.f.

rerence assets........ G372

M.6.g.

DRAFT

FFIEC041

PageRC-

~

Schedule RC-C-Loans and Lease Financing Receivables
Part i. Loans and Leases .
Do not deduct the allowance for loan and lease losses or the allocated
transfer risk reserve from amounts reported in this schedule. Report

(1) loans and leases held for sale at the lower of cost or fair value, (2) loans
and leases held for investment, net of unearned income, and (3) loans and
leases accunted for at fair value under a fair value option. Excl.ude
assets held for trading and commercial paper.

(ColumnA)
To Be Completed
by Banks with
$300 Millon or More
in Total Asets1

(Column B)
To Be Completed
by All Banks

Dollar Amounts in Thousands

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

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

land development and other

1.a.(2)

land loans..........................................................................................
b. Secured by farmland (including farm residential and other

1.b.

imprvements).........................................................................................
c. Secured by 1-4 family residential properties:
(1) Revolvng, open-end loans secured by 1-4 family residential
properties and extended under lines of credit ....... ... .... ................ ....

1.c.(1 )

(2) Clos-end loans secured by 1-4 family residential properties:

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

(a) Secured by first liens ..................................................................
(b) Secred by junior liens..................... ............ ..............................
d. Secure by multifamily (5 or more) residential properties.......................
e. Secred by nonfarm nonresidential properties:
(1) Loans secured by owner-ocupied nonfarm nonresidential

1.e.(1 )

properties. ............ .... ..... ... ............................ .............. .... ............... ....

1.e.(2)
2.

(2) Loans secured by other nonfarm nonresidential properties..............
2. Loans to depository institutions and accptances of other banks................
a. To commercial banks in the U.S.:

2.a.(1 )

(1) To U.S. branches and agencies of foreign banks ............................. 8532

2.a.(2)

(2) To other commercial banks in the U.S. ............................................. 8533
b. To other depoitory institutions in the U.S. ....................................... ....... 8534

2.b.

c. To banks in foreign countries:
(1) To foreign branches of other U.S. banks........................................... 853

2.c.(1 )

2.c.(2)

(2) To other banks in foreign countries ................................................... 8537
3. Loans to finance agricultural production and other loans to farmers ...........
loans ................... ...............................................
4. Commercial and industrial

3.

4.

4.a.
4.b.

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

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

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

6.a.
6.b.

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

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

6.c.

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

7.

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

8.

9. er ......................................................................

9.a.
9.b.

a. Loans for purchasing or carrying securities se
umer oans) ...............................................

Rt,lo.ce wi"" II'S~ftT l3
9.

1 The $300 milion asset size test is generally based on the total assets reported on the June 30, 2~, Report of Condition.

INSERT B - FFIEC 041

9. Loans to nondepository financial institutions and
other loans:

a. Loans to nondepository financial institutions .. ....
b. Other loans ..........................................................

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

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

DRAFT

FFIEC041

PageRC-9

~

Schedule RC-C-Continued
Part i. Continued
(ColumnA)
To Be Completed
by Banks with
$300 Millon or More

(Column B)
To Be Completed
by All Banks

in Total Asts1
Dollar Amounts in Thousands

10.

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

10.a.
10.b.

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

11.

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

Memoranda

12.

Dollar Amounts in Thousands

1. Loans and leases restructured and in compliance with moified term (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 ......................................................................
b. Other loans and all leases (exclude loans to individuals for household, family, and other
personal expenditures)..................................................................................................................
2. Maturity and repricing data for loans and leases (excluding those in nonaccrual status):
a. Closed-end loans secured by first liens on 1-4 family residential properties (reported in
Schedule RC-C, part I, item 1.c.(2)(a), column B, above) with a remaining maturity or next
repricing date of:2. 3

(1) Three months or les ...... ............... .................................................. ........ ... ... ........... .............. A5
(2) Over three months through 12 months ..... ............................... .............................. ............. .... A55
(3) Over one year through three years ....... ............................................................... ..... .............. A5
(4) Over three years through five years........................................................................................ A57
(5) Over five years through 15 years............................................................................................ A5
(6) Over 15 years ......................................................................................................................... A59

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

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

loans and leases (reported in Schedule RC-C, part I, items 1 through 10, column B, above)
EXCLUDING closed-end loans secred by first liens on 1-4 family residential properties
(reported in Schedule RC-C, part I, item 1.c.(2)(a), oolumn B, above) with a remaining maturity

b. All

or next repricing date of:2, 4

(1) Three months or less.. ............ ........... ................................................. .................................... A570

(2) Over three months through 12 months ..... ............... .............................................. ............ ..... A571
(3) Over one year through three years ......................................................................................... A572
(4) Over three years through five years........................................................................................ A573
(5) Over five years through 15 years............................................................................................ A574
(6) Over 15 years ............................................... ............. ........................................................ ..... A575
c. Loans and leases (reported in Schedule RC-C, part I, items 1 through 10, column B, above)
with a REMAINING MATURITY of one year or less (excluding those in nonaccrual status) ........
q
1 The $300 millon asset size test is generally base on the total assets reported on the June 3D, 2001, Report of Condition.
2 Report fixed rate loans and leases by remaining maturity and floating rate loans by nex repricing date.
3 Sum of Memorandum items 2.a.(1) through 2.a.(6) plus total nonaccal closed-end loans secure by first liens on 1-4 family residential
properties included in Scedule 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 frm Schedule RC-C, part I, item 1.c.(2)(a), column B.
4 Sum of Memorandum items 2.b.(1) through 2.b.(6), plus total nonaccalloans and leases from Scedule Re-N, sum of items 1 through 8,
column C, minus nonaccual closed-end loans secure by first liens on 1-4 family residential properties included in Schedule RC-N,
loans and leases from Schedule Re-C, part I, sum of items 1 through 10, coumn B, minus total
¡tern 1.c.(2)(a), column C, must equal total
dosed-end loans secured by first liens on 1-4 family residential properties from Schedule Re-, part i, item 1.c.(2)(a), column B.

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.

DRAFT

FFIEC041
Page RG-10

§J

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

Dollar Amounts in Thousands RCON

3. Loans to finance commercal real estate, construction, and land development activities
(not secured by real estae) included in Schedule RG-C, part I, items 4 and 9, column B5...............
4. Adjustable rate closed-end loans secured by first liens on 1-4 family residential properties
(included in Schedule RG-C, part I, item 1.c.(2)(a), column B) ...............................................;.........
5. To be completed by banks wit $300 million or more in total assets:6
Loans secured by real estate to non-U.S. addressees (domicile) (included in
Schedule RG-C, part i, items 1.a through 1.e, column B) ..................................................................

M.3.
M.4.

M.5.

Memorandum item 6 is to be completed by banks that (1) together wit affliated instiutons, have
outanding creit card reivables (as defined in the instructns) that exce $500 million as of the
report date or (2) are creit card specialt banks as defined for Unifrm Bank Performance Report

purposs.
6. Outstanding crit card fees and finance charges included in Schedule RG-C, part i,

item 6.a. .............................................................................. ............................... ................................ C391

M.6.

Memorandum Itm 7/s to be complete by all banks.
7. Purchased impaired loans held for investmnt accunted for in accrdance with AICPA Statement
of Position 03-3 (exclude loans held for sale):
a. Outstanding balance ................................. ....................................................................................

b. Carring amount included in Schedule RG-C, part I, items 1 through 9........................................

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

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

properties:
a. Total carring amount of closed-end loans with negative amortization features secured by

1-4 family residential properties (included in Schedule RG-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
wit negative amortzation features secure by 1-4 family residential propertes (as reported
in Schedule RC-C, part i, Memorandum item 8.a.) as of December 31, 2008, that exceded
loans and leases, net of uneamed income
the lesser of $100 million or 5 percnt of total
(as reported in Schedule RG-C, part i, item 12, column B).
b. Total maximum remaining amount of negative amortization contractually permited 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 carring amount reported in Memorandum item 8.a above .................
9. Loans secured by 1-4 family residential properties in process of foreclosure (included in
Schedule RG-C, part i, items 1.c.(1),1.c.(2)(a), and 1.c.(2Xb)..........................................................

M.8.a.

M.8.b.

M.8.c.
M.9.

Memorandum itms 10 and 11 are to be complete by banks that have elec to measure lons

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

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

extended under lines of credit ................. ................. .................................. ........... ...........
(b) Closed-end loans secured by 1-4 family residential properties:
(1) Secured by first liens....... ................................................ ...........................................
(2) Secured by junior liens...............................................................................................
5 Exclude loans sered by real estate that are included in Schedule RC-C, part i, items 1.a through 1.e, column B.
6 The $300 milion asset size test is generally based on the total assets reported on the June 30, 200;, Report of Condition.
et

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

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

M.10.a.(3Xb)(2)

DRAFT

FFIEC 041

Page Re-11

§J

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

Dollar Amounts in Thousands RCON Bil

Mil Thou

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

10. a. (4) Secured by multifamily (5 or more) residential properties....................................................... F583

(5) Secured by nonfarm nonresidential properties.. ..................................................................... F58
b. Commercial and industrial

loans .................................................. ................................................. F58

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

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

(1) Credit cards.............................................................................................................................
(2) Other revolving credit plans ...................................................... ......................... .....................
(3) Other consumer loans (includes single payment, installment, and all student loans).............
d. Other loans ............................................................................................. .......................................
11. Unpaid principal balance of loans mesured at fair value (reported in Schedule RC-C,
part i, Memorandum item 10):
a. Loans secured by real estate:

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

(1) Construction, land development, and other land loans...........................................................
(2) Secred 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

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

extended under lines of credit......... ..... ..................... ............................................ ...........
(b) Closed-end loans secured by 1-4 family residential properties:
(1) Secred by first liens.................................................................................................. F593

M.11.a.(3)(b)(1 )

M.11.a.(3)(b)(2)
M.11.a.(4)
M.11.a.(5)
M.11.b.

(2) Secured by junior liens............................................................................................... F594
(4) Secured by multifamily (5 or more) residential properties....................................................... F595
(5) Secured by nonfarm nonresidential properties ....................................................................... F596
loans........... ......................................................................................... F597
b. Commercial and industrial
c. Loans to individuals for household, family, and other personal expenditures
(Le.. consumer loans) (includes purchased paper):

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

(1) Credit cards............................................................................................................................. F598
(2) Other revolving credit plans ............................................................................... .................. ... F599
(3) Other consumer loans (includes single payment, installment, and all student loans)............. F600
d. Other loans ................................................................................................................................... F601

(Column B)
(ColumnA)
Fair value of acquired Gros contrctual
loans and leases at amounts receivable

acquisition date

at acquisition date

(Column

C)

Best estmate at

acquisition date of

contrctual cash
flow not expectd to
be collected

Dollar Amounts in Thousands RCON

12. 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 estae........................ G091
b. Commercial and Industal

loans.................. G094

c. Loans to Individuals for household, family,
and other personal expenditures.................. G097

d. All other loans and all leases ........................ G100

M.12.a.
M.12.b.
M.12.c.
M.12.d.

DRAFT

FFIEC 041

Pag RG-12

~

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

Dollar Amounts in Thousands RCON

Memorandum Item 13 Is to be completed by banks that had constrct/on, land development,

and other land loans (as reponed In Schedule RC-C, pan i, Itm 1.a, column B) that exceeed
100 percnt of

total risk-based capitl (as reponed In Schedule RC-R, Item 21) as of

Decmber 31, -i. 2tTo9.

13. Constrcton, land development, and other land loans wit Interest reserves:
a. Amount of loans that provide for the use of Interest reserves (Included In

SChedule RC-e, part i, Itm 1.a, column B)............................................................................... G376
b. Amount of Interest capitalized fro Interest reserves on constructon, land
development, and other land loans that Is Included In Interest and fe Income on loans RIAD
during the quartr (Included In Schedule RI, Item 1.a.(1)(b)) .................................................. G377
Memorandum Item 14

Is to be complete by all banks. RCON

14. Pledged loans and leases ............................................................................................................... G378

IN Si;~T C

M.13.a.

M.13.b.
M.14.

INSERT C - FFIEC 041

Memorandum item 15 is to be completed for the December report only.
15. Reverse mortgages:

a. Reverse mortgages outstanding that are held for investment
(included in Schedule RC-C, item 1.c, above):
(1) Home Equity Conversion Mortgage (HECM) reverse
mortgages ..................................................................................
(2) Proprietary reverse mortgages ..................................................
b. Estimated number of reverse mortgage loan referrals to other
lenders during the year from whom compensation has been
received for services performed in connection with the origination
of the reverse mortgages:
(1) Home Equity Conversion Mortgage (HECM) reverse
mortgages ..................................................................................
(2) Proprietary reverse mortgages ................. .................................
c. Principal amount of reverse mortgage originations that have been

sold during the year:
(1) Home Equity Conversion Mortgage (HECM) reverse
mortgages ..................................................................................
(2) Proprietary reverse mortgages ..................................................

DRAFT
FFIEC 041

Page RC-'2a

124al

Schedule RC-C-Continued
Part II. Loans to Small Businesses and Small Farms
6ei:8~"18 RC C, PaFt II is &8 118 F8P8Ft8~ 8RlY wi"" ""8 .hlRe Rel3efl sf 6SAEliäsA.

t~ r~~rt dal

Report the number and amount currently outstanding as of ll:Ae 39 Ðf business loans with "original amounts. of $1,00,000 or less and
farm loans with "original amounts" of $500,00 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 partcipations and syndications, the "original amount" of the loan partcipation 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 approprate box at the right whether all or substantially all of the dollar volume of
your bank's "Loans secured by nonfarm nonresidential propertes. reported in Schedule RC-C,
part i, items 1.e.(1) and 1.e.(2). and all or substantially all of the dollar volume of your bank's
"Commercial and industrial

loans. reported in Schedule RC-C. part i, item 4,' have original

~::;:~:s~fp~~:~~X~ri~e:e (:C:~a~: ~~~~.~~~.~~.~.~~~~~~~~.~~.~~..~.~.~.~.~~.~~.~~~~......I:~~:I Yes . No I 1.

If YES. complete items 2.a and 2.b below. skip items 3 and 4, and go to item 5.
If NO and your bank has loans outstanding in eiter 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 outtanding in both loan categories, skip items 2 through 4, and go to item 5.

part I, loan categories: RCON

2. Report the total number of loans currently outstanding for each of the following Schedule RC-C, Number of Loans
a. "Loans secured by nonfarm nonresidental propertes. reported in Schedule RC-C, part I,
items 1.e.(1) and 1.e.(2) (Note: Sum of items 1.e.(1) and 1.e.(2) divided by the number of loans
b.

2.a.

should NOT exceed $100.00.) ....................................................................................................
loans" reported in Schedule RC-C, part I, item 4.' (Note: Item 4.'
"Commercial and industral
divided by the number of loans should NOT exceed $100,000.) ...................................................

Dollar Amounts in Thousands

3. Number and amount currently outstanding of "Loans secured by
nonfarm nonresidential propertes. reported in Schedule RC-C, part i,
items 1.e.(1) and 1.e.(2) (sum of items 3.a through 3.c must be less than
or equal to Schedule RC-C, part I. sum of items 1.e.(1) and 1.e.(2)):

2.b.

(ColumnA)

(Column B)

Number of Loans

Amount
Currently
Outstanding

~..~lf#"ì)t.,.
~~..~
~\:~x",,:r:~k(!¡:, ,~~~~

'r~'J'':,,1':l';'¡~':~t' ." ¡~)P....~

"f ',1 ~ ~~~'"A:i ';4~ ,'l~tfi;% '¡r~ ~;t ~~ I" ~',\ ':., ",:

1.\:;;
(~;lI"Ø.til,,~-'l1"'" ~ '\ " R.;,j;;
:thf,'íi~'" :tt~n; Ø(~~~L i ~-:::. " t ,Yi ~ "rl,,~";.
."~:' k ;Jt.t%..lît:. Aš"iC"; ;:.' , r ~. ß~~ ~ .

a. With original amounts of $100,000 or less............................................ 5564
b. With original amounts of more than $100,00 through $250,00......... 5566
c. With original amounts of more than $250.000 through $1.00,000...... 5568

5565
5567
5569

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

5571

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

4. Number and amount currently outstanding of "Commercial and
loans. reported in Schedule RC-C, part I, item 4' (sum of items
industrial
4.a through 4.c must be less than or equal to Schedule RC-C. part I,
item 41):

a. With original amounts of $100,000 or less............................................ 5570
b. With original amounts of more than $100.00 through $250.000......... 5572
c. With original amounts of more than $250,00 through $1,00,00...... 5574

1 Banks with $300 millon or more in total assets should provide the requested information for "Commercial and industrial
repored in Schedule RC-C. part I. item 4.a, column A. .Commercial and industral

loans to U.S. addressees.

5573
5575

loans. based on the loans

DRAFT

FFIEC 041
Page

RC-12b

\24bl

Schedule RC-C-Continued
Part ". 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
improvementst reported in Schedule RC-C. part I. item 1.b. and all or substantially all
of the dollar volume of your bank's "loans to finance agricultural production and other

loans to farmers' reported in Schedule RC-C. part I. item 3, have original amounts

~:~~:;:~p~~~:s:n(~~~~r::n:a:a;:~~~a"~;~~~~~~~~.~~.~~~..~.~~.~.~~.~~.~~~~.....................I~:I YES. NO I 5.
If YES, complete items 6.a and 6.b below, and do not complete items 7 and 8.
If NO and your bank has loans outstanding in either loan category, skip items 6.a and 6.b and complete items 7 and 8 below.
If NO and your bank has no loans outstanding in both loan categories, do not complete items 6 through 8.

6. Report the total numbe of loans currently outstanding for each of the following
Schedule RC-C, part I, loan categories:
a. "loans seured by farmland (including farm residential and other improvementst reported in

Schedule RC-C, part I. item 1.b, (Note: Item 1.b divided by the number of loans should NOT
exceed $100.00.).........................................................................................................................

6.a.

b. "loans to finance agricultural production and other loans to farmers' reported in

Schedule RC-C. part i, item 3 (Note: Item 3 divided by the number of loans should NOT
exceed $100,000.)..........................................................................................................................

6.b.
(Column B)

(ColumnA)
Number of loans
Dollar Amounts in Thousands

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

Amount
Currently
Outstanding

.. ._-o

. t 1\\
. 1: .;;''' ~

. . .,,§, " .

~ i ,;' ,~;):~:.~)~.\)

a. With original amounts of $100.00 or less............................................ 5578
b. With original amounts of more than $100,00 through $250.00......... 5580
c. With original amounts of more than $250.00 through $500,00......... 5582
8. Number and amount currently outstanding of "loans to finance

5579
5581
5583

7.a.

5585
5587
5589

8.a.

agricultural production and other loans to farmers' reported in
Schedule RC-C, part i, item 3 (sum of items 8.a through 8.c must be
less than or equal to Schedule RC-C, part I. item 3):

a. Wit original amounts of $100,000 or less............................................ 5584
b. Wit original amounts of more than $100.00 through $250,000......... 5586
c. With original amounts of more than $250,00 through $500,00......... 5588

7.b.
7.C.

8.b.
8.c.

DRAFT

FFIEC 041

Page Re-13

~

Schedule RC-D- Trading Assets and Liabilties
Schedule RC.D Is to be completed by banks that reported average trading assts (Schedule RC.K, Item 7) of $2 millon or
more In any of the four preceding calendar quartrs.
Dollar Amounts in Thousands RCON

ASSETS
1. U.S. Treasury securities ................................................................................................................. ....
2. U.S. Government agency obligations (exclude mortgage-backed securities)....................................
3. Securiies issued by states and political subdivisions in the U.S. ................. .....................................
4. Mortgage-backed securities (MBS):

a. R.sldentlal mortage pass-through securities Issued or guarante by FNMA, FHLMC,
or GNMA....................................................................................................................................... G379
b. Ot.r residential MBS Issued or guaranteed by FNMA, FHLMC, or GNMA (Include CMOs,
REMICs, and strppe MBS) ................ ....................................................................................... G38
c. All oter residential MBS............................................................................................................ G381
d. Commercial MBS......................................................................................................................... G382

1.

2.
3.

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

5. Oter debt securiies
a. Strcture financial product:

(1) Cash ....................................................................................................................................... G383

(2) Synth.tlc................................................................................................................................ G38
(3) Hybrid..................................................................................................................................... G385

b. All oter debt securites ............... .............................................................................................. G38

5.a.(1 )

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

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

(b) Closed-end loans secured by 1-4 family residential properties:
(1) Secured by first liens.................................................................................................. F607

(2) Secured by junior liens............................................................................................... F611
(4) Secured by multifamily (5 or more) residential properties....................................................... F612
(5) Secured by nonfarm nonresidential properties ....................................................................... F613
loans .................................................................. ............ ......... ............ F614
b. Commercial and industrial
c. Loans to individuals for household, family, and other persnal expenditures
(Le., consumer loans) (includes purchased paper):

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

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

6.a.(1 )

6.a.(2)

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

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

6.c.(1 )

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

10. Not applicable

11. Derivatives with a poitive fair value ............ ...................................................... ....................... .........
12. Total trading assets (sum of items 1 through 11) (must equal Schedule RC, item 5) ........................
LIABILITIES

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

11.

12.

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

DRAFT

FFIEC041

PageRC-14

~

Schedule RC-D-Continued
Memoranda
Dollar Amounts in Thousands

1. Unpaid principal balance of loans measured at fair value (reported in Schedule RG-D,
itern 6.a.(1) through 6.d):

a. Loans secured by real estate:

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

extended under lines of credit........................... ...... ............ .................. .................. .........
(b) Closed-end loans secured by 1-4 family residential properties:
(1) Secured by first liens.................................................................................................. F628
(2) Secured by junior liens............................................................................................... F629
(4) Secured by multifamily (5 or more) residential properties....................................................... F630
(5) Secured by nonfarm nonresidential properties ............................................................... ........ F631

loans ....................... ...................... ................ ................... ................... F632
c. Loans to individuals for household, family, and other persnal expenditures
(Le., consumer loans) (includes purchased paper):

b. Commercial and industrial

(1) Credit cards............................................................................................................................. F633
(2) Other revolving credit plans ..... ............ .............................................................. ..................... F634
(3) Other consumer loans (includes single payment, installment, and all student loans)............. F635
d. Other loans ................................. .................................................................................................. F636
2. Loans measured at fair value that are past due 90 days or more:
a. Fair value.................................................................. ............................... ......................................

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

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

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

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

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

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

3. Structured financial product by underlying collatral or rerence assts (sum of
Memorandum Items 3.a through 3.g must equal Schedule RC-D. sum of Items 5.a.(1)
through (3)):
Institutions ................. .................................... G299
a. Trust prerrd securities Issued by financial

b. Trust prerrd securies Issued by real estate Investmnt trsts....... ................................. G332
c. Corporate and similar loans ..... ........... .......................................................................... ............. G333

d. 1-4 family reidential MBS Issued or guaranteed by U.S. government-sponsored
enterprises (GSEs) ..................................................................................................... ................. G334

e. 1-4 family residential MBS not Issued or guaranted by GSEs ..................... ........................ G335
f. Diversifed (mixed) pools of strctured financial product .................................................... G651
g. Oter collatral or rerence assets .................................................................. ........................ G652

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

4. Pledged trding asts:

a. Pledged securities....................................................................................................................... G387
b. Pledged loans ................ .... ... ........................................................ ................... ............................. G38
Memorandum Items 5 through 10 are to be completed by banks that reported average trding assets
(Schedule RC-K, item 7) of $1 billion or more in any of the four preceding calendar quarters.
5. Aset-backed securities:
a. Credit card receivables..................................................................................................................
b. Home equity lines..........................................................................................................................

c. Automobile loans...........................................................................................................................
d. Other consumer loans ...................................................................................................................
loans ....... ............ ........... .......... ....... .............. ........... ................... ........
e. Commercial and industrial

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

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

M.5.a.
M.5.b.
M.5.c.
M.5.d.
M.5.e.
M.5.f.
M.6.

7. Equity securities:

a. Readily determinable fair values ................. .... ... ......... ............... ........ .................... ....... ................ F652
b. Other. .... ....................... ............ .................... ....... ............................... .................. ................. ........ F653
8. Loans pending securitization.............................................................................................................. F654

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

DRAFT

FFIEC041

PageRG-15

~

Schedule RC-D-Continued
Memoranda-Continued
Dollar Amounts in Thousands RCON Bil Mil

Tho
,

9. Other trading assets (itemize and describe amounts included in Schedule RC-D, item 9,

c. F1I7
r¡reie
"an $25.00 and ex 25% of th -I:

.\.'.:. '
F655
F656
F657

~3.1i are gre "an $2.00 and ex 25% of ".Item):
b. TE

C. F

. :..:: ,
,',r/,: .:.

10. Other trading liabilties (itemize and describe amounts included in Schedule RC-D, item
F658
F659
F660

M.9.a.
M.9.b.
M.9.c.
,; :i

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

DRAFT

FFIEC041

PageRG-16

§J

Schedule RC-E-Deposit Liabilities
Nontransaction

Transaction Accunts

Accunts

Total transaction

(Column C)
Total

accunts (including

nontransaction

(ColumnA)
total demand

accunts

depoits)

(including MMDAs)
Mil

Depoit of:
1. Individuals, partnerships, and corprations
(include all certified and offcial checks)................
2. U.S. Government ..................................................
3. States and political subdivisions in the U.S..... ......
4. Commercial banks and other depository
institutions in the U.S. ....................... ....................
5. Banks in foreign countries.....................................
6. Foreign governments and offcial institutions
(including foreign central banks) ...........................
7. Total (sum of items 1 through 6) (sum of
columns A and C must equal Schedule RC,
item 13.a)..............................................................

1.

2.
3.
4.
5.
6.

7.

",itt INSEft T D
Dollar Amounts in Thousands RCON Bil

1. Selected components of total depoits (Le., sum of item 7, columns A and C):
Individual Retirement Accunts (IRA) and Keoh Plan accunts .......................................
a. Total

b. Total brokered de it ......... ........................................................................................................
Memorandum item 1.b above):1

c. u y e sits (included in

(1) Brokered deposits issued in eno n $100,00
(2) Brokered deposits issued in and ce i
e it accunts....................................................................................................
d. Maturity data for brokere deposits:
(1) Brokered deposits isstled il' del'8ftiRelieR& of less than $100,00 with a remaining
maturity of one year or less (included in Memorandum item 1.c.( 1) above) ...........................
(2) Brokered deposit Ï8l:eEl iR EleReftiRalieFl& of $100,000 or more with a remaining maturity

of one year or les (included in Memorandum item 1.b above)..............................................
e. Preferred depoits (uninsured deposits of states and political subdivisions in the U.S.
reported in item 3 above which are secured or collateralized as required under state law) (to
be completed for the December report only)................ ............................... .............................
2. Components of total nontransaction accunts (sum of Memorandum items 2.a through 2.c must
equal item 7, column C above):
a. Savings deposits:

(1) Money market deposit accunts (MMDAs).............................................................................
(2) Other savings deposits (excludes MMDAs)............................................................................

b. Total time depoits of less than $100,000 .....................................................................................

c. 0 or more.....................................................................................
(1) Individual Retirement

Accunts (IRA a n

.c otal time de sits of $100000 or more" above.............................

~t'\",Cc. ""iH- 1'-6\2 T E

1 Report broker f unts eligible for $250,00 in deposit insurance coverage in Memorandum' ave ben
issued in denominations of less than $100,000 see roke accunts in Memorandum item 1.c.(2) if they have
ben issued either in denominations of exa xa y 250,000 or in than $250,000 and partcipated out by the

broker i through exacty $250,000 or less.

INSERT 0 - FFIEC 041

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

(1) Brokered deposits of less than $100,000 ...................................
(2) Brokered deposits of $100,000 through $250,000 and
certain brokered retirement deposit accounts .............. ..............

1 The dollar amounts used as the basis for reportng in Memoranda items 1.c.(1) and (2) reflect the deposit insurance

limits in efec on the report date.

INSERT E - FFIEC 041

c. Total time deposits of $100,000 through $250,000 ..........................
d. Total time deposits of more than $250,000 .......................................
e. Individual Retirement Accounts (IRA) and Keogh Plan accunts

of $100,000 or more included in Memorandum items 2.c and
2.d above ...........................................................................................

DRAFT

FFIEC 041
Page

Schedule RC-E--Continued

RC-17

~

Memoranda-Continued
3. Maturity and repricing data for time depoits of less than $100,000:
a. Time deposits of les than $100,000 with a remaining maturity or next repricing date of:1,2
(1) Three months or less .............................................................................................................. A579

(2) Over three months through 12 months ....... ............................. .............................. ................. A5
(3) Over one year through three years......................................................................................... A51
(4) Over three years ..................................................................................................................... A52
b. Time deposits of les than $100,000 with a REMAINING MATURITY of one year or less
(included in Memorandum items 3.a.(1) and 3.a.(2) above)3........................................................ A241
4. Maturity and repricing data for time deposits of $100,00 or more:
a. Time deposits of $100,00 or more with a remaining maturity or next repricing date of:1. 4
(1) Three months or less .............................................................................................................. A584
(2) Over three months through 12 months ................................................................................... A585

(3) Over one year through three years ...................................................................... ................... A58
(4) Over three years ..................................................................................................................... A587
b. Time deposits of $100,000 or more with a REMAINING MATURITY of one year or less
(included in Memorandum items 4.a.(1) and 4.a.(2) above)3 ........................................................ A242

1 Report fixed rate time deposit by remaining maturi and floating rate time deposits by next repricing date.
2 Sum of Memorandum items 3.a.(1) through 3.a.(4) must equalSchedule RC-E, Memoandum item 2.b.

3 Report both fixed and floating rate time deposit by remaining maturi. Exclude floating rate time deposits with a next repricing date of
one year or less that have a remaining maturi of over one year. $"''' 0' ,

4 Sum of Memorandum items 4.a.(1) through 4.a.(4) must equal Schedule RC.E,~emoandum item,,2.cA ,,~tl 2. d.

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

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

DRAFT

FFIEC 041

Page Re-18

§J

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

Mil Tho
1.

1. Accrued interest receivable1 .............................................................................................................. 8556

2.

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

3.a.
3.b.

a. Mortgage loans.... ...................... ............................... ..................................................................... A519
b. Other financial assets.................................................................................................................... A520

4.
5.

4. Equity securities that 00 NOT have readily determinable fair values4.............................................. 1752
5. Life insurance assets ........................................................ .............................. ................................... CO
6. All other assets (itemize and descrbe amounts greater than $25,000 that exceed 25% of this

6.

item)...................................................................................................................................................

6.a.
6.b.

a. Prepaid expenses (excluding prepaid assessments).......................... 2166
b. Repoesed persnal propert (including vehicles).............................. 1578
c. Derivatives with a positive fair value held for purpses other than
trading ..................................................................................................... C010

6.c.

d. Retained interests in accrued interest receivable related to

6.d.
6.e.

securitized credit cards......... ..... ... ............... ....... .... .................... ............. C436

g.
~ 368.
~ ~ 359
e. FDIC los-sharlng Indemnlfcalon asts.......................................... J48

6.1.

f. ;:: aid deposit Insurance assessments......................................... J449

i. ~ 3551

6.g.
6.h.
6.i.
7.

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

Schedule RC-G-Qther Liabilities
Dollar Amounts in Thousands RCON BII

Mil Tho

1. a. Interest accrued and unpaid on deposits5 .................................................................................... 365
b. Other expenses acced and unpaid (includes accrued income taxes payable) .......................... 366

2. Net deferred tax liabilties2 ....................... ....................... ......................................... .... ...................... 3049
3. Allowance for credit losses on off-balance sheet credit exposures................ .................................... 8557
4. All other liabilties (itemize and describe amounts greater than $25,000 that exceed 25%

of this item)................................................................................................ .........................................
a. Accunts payable ................................................ ................................... 3066
b. Deferred compensation liabilties ........................................................... C011
c. Dividends declared but not yet payable ...................... ........................... 2932
d. Derivatives with a negative fair value held for purposes other than

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

4.

4.a.
4.b.
4.c.
4.d.
4.e.
4.1.

~.I1.................................................................................................... 35
5. Total (sum of items 1 through 4) (must equal Schedule RC, item 20)................................................

1 Includes accrued interest receivable on loans, leases, debt securities, and other interest-bearing assets.
2 See discussion of deferr income taxes in Glossary entr on "income taxes."
3 Report interest-only strps recivable in the fonn of a security as available-for-sale secrities in Schedule RC, ¡tern 2.b, or as trading assets

in Scedule RC, ¡tern 5, as appropriate.
4 Includes Federal Reserve stock, Federal Home Loan Bank stock, and bankers' bank stock.
5 For savings banks, include "dividends. acced and unpaid on deposits.

4.g.
5.

DRAFT

FFIEC 041

Page RG-19

§J

Schedule RC-K-Quarterly Averages1
ASSETS

1.

1. Interest-bearing balances due from depoitory institutions .................................................. ..............

2. U.S. Treasury securities and U.S. Government agency obligations2 (excluding

2.
3.

mortgage-backed securities) ................... .......................................................................................

3. Mortgage-backed securities ........................................... .................... ......... ...... ................... ............
2, 3 (Includes securities Issued by states and political subdivisions In the

4. All other securities

4.

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

5.

5. Federal funds sold and securities purchased under agreements to resell.........................................
6. Loans:
a. Total

6.a.

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

b. Loans secured by real estate:

6.b.(1)
6.b.(2)

(1) Loans secured by 1-4 family residential properties................................................................

(2) All other loans secured by real estate.....................................................................................
loans ............................................. ......................................................

6.C.

c. Commercial and industrial

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

6.d.(1 )

(1) Credit cards.............................................................................................................................
(2) Other (includes single payment, installment, all student loans, and revolving credit plans
other than credit cards)...........................................................................................................

6.d.(2)

7. To be completed by banks with $100 million or more in total assets.04
Trading assets....................................................................................................................................

8. Lease financing recivables (net of unearned income)......................................................................
9. Total assets

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

7.
8.
9.

LIABILITIES

10. Interest-bearing transaction accunts (NOW accunts, ATS accunts, and telephone and
preauthorized transfer accunts) (exclude demand deposits) ...........................................................
11. Nontransaction accunts:
a. Savings deposits (Includes MMDAs)........................................................................................... 856

10.

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

b. Time depoits of $100,00 or more............................................................................................... A514
c. Time depoit of less than $100,000............................................................................................. A529
12. Federal funds purchased and securities sold under agreements to repurchase ............................... 3353
13. To be completed by banks wit $100 million or more in total assets:4

Other borred money (includes mortgage indebtedness and obligations under

13.

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

Memorandum
Memorandum item 1 is to be completed by:4

banks wi $300 million or more in total assets, and
banks wit less than $300 millon in total assets that have loans to finance agricultural
production and other loans to farmers (Schedule RC-C, part i, item 3) exceeding five percent
of total loans.

M.1.

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

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

(i.e., the Wednesday of each week of the quartr).

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 asset size tests and the five percent of total

loans test are generally based on the total assets and total

loans reported on the

June 30, 2ot~eport of Condition.
S The quarterl 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.

DRAFT

FFIEC041

PageRe-20

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 necessrily as measures of risk. ~CpIA(C. ..;H. il\ERi F

ar mounts in housands RCON

1. Unus mitments:
a. Revolving,

0 nd lines secured by 1-4 family residential properties, e.g., home equity

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

1.a.
1.b.

c. (1) Commitments to fund commercial rea construction, and land

secured by real estate:
(a) 1-4 family residential construction loan com ..

1.c.(1 )(a

(b) Commercial real estate, other cons . n lon, and land develop oan
commitments .................. .................................. ................................................ ........
(2) Commitments to fu mercial real estate, construction, and land development loans
NOT s y real estate ....................................................................................................

1.c.(1 )(b)

d. S . s underwriting ........................ ..........................................................................................
. Other unused commitments ..........................................................................................................
2. Financial standby letters of credit............................ .......... .................. ....................... ..... ..... ..............

Item 2.a Is to be completed by banks wit $1 bilion or more In total assets.'
a. Amount of financial standby letters of credit conveyed to others ........... 3820
3. Penormnce standby letters of credit ........................................................................................ ........

Item 3.a Is to be completed by banks wit $1 billon or more In total assets.'
a. Amount of penormnce standby letters of credit conveyed to others .... 3822
4. Commercial and similar letters of credit........ .....................................................................................

3.a.
4.

5. Not applicable

6. Securities lent (including customers' securities lent where the customer is

indemnified against los by the reporting bank)..... ............................................................................

7. Credit deriatives:
a. Notional amounts:
(1) Credit default swaps .................................. C968

6.

7.a.(1 )

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

(2) Total return swaps...................................... C970

(3) Credit options............................................. C972
(4) Other credit derivatives.............................. C974
b. Gross fair values:
(1) Gross positive fair value.............................

7.b.(1 )

7.b.(2)

(2) Gros negative fair value ....................... .... C220
c. Notional amounts by regulatory capital tratment:2
(1) Positions covered under the Market Risk Rule:

(a) Sold protection ............................................................................................................... G401
(b) Purchased protection..................................................................................................... G402

(2) All other positions:
(a) Sold protection ............................................................................................................... G403
(b) Purchased protecton that is recognized as a guarantee for regulatory capital
purposes ........................................... .......................................... ............... ..... ................ G404

(c) Purchased protection that Is not recognized as a guarante for regulatory capital
purpses ............ ..... ......................................................... ................ ............... ................ G405

i

1 The $1 billon asset size test is generally based on the total assets report in the June 30, 200~, Report of Condition.
2 Sum of items 7.c.(1 )(a) and 7.c.(2)(a) must equal sum of items 7.a.(1) through (4), column A. Sum of items 7.c.(1 )(b), 7.c.(2)(b), and 7.c.(2)(c)
must equal sum of ¡terns 7.a.(1) through (4), column B.

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

7.c.(2)(c)

INSERT F - FFIEC 041

Dollar Amounts in Thousands
1. Unused commitments:

a. Revolving, open-end lines secured by 1-4 family residential

properties, Le., home equity lines .....................................................

Items 1.a.(1) and 1.a.(2) are to be completed for the Deember
report only.
(1) Unused commitments for Home Equity Conversion Mortgage
(HECM) reverse mortgages outstanding that are held for

investment (included in item 1.a above) .... ............ ... ..................
(2) Unused commitments for proprietary reverse mortgages
outstanding that are held for investment (included in
item 1.a above) ,..........................................................................

b. Credit card lines ................................................................................
Items 1.b.(1) and 1.b.(2) are to be completed by banks with

either $300 milion or more in total assets or $300 milion or
more in creit card lines.' (Sum of items 1.b.(1) and 1.b.(2)

must equal item 1.b)

(1) Unused consumer credit card lines ...........................................
(2) Other unused credit card lines .................... ................................
c. Commitments to fund commercial real estate, construction, and

land development loans:
(1) Secured by real estate:
(a) 1-4 family residential construction loan commitments .........

(b) Commercial real estate, other construction loan, and land
development loan commitments ..........................................
(2) NOT secured by real estate ........................................................
d. Securities underwriting ......................................................................
e. Other unused commitments:

loans ................................................ XX
(2) Loans to financial institutions ...................................................... XX
(3) All other unused commitments ................................................... XX

(1) Commercial and industrial

1 The asset size tests and the $300 millon credit card lines test are generally based on the total assets and credit

card lines reported in the June 30,2009, Report of Condition.

DRAFT

FFIEC041

PageRC-21

§J

Schedule RC-L-Continued
of:

(ColumnA)

(Column

C)

Over Five Years

One Year or Less
Dollar Amounts in Thousands RCON

7. d. Notonal amounts by remaining maturity:
(1) Sold creit protecton:'
7.d.(1 )(a)

Investmnt grade ................................
(b)Sublnvestmnt grade..........................

(a)

7.d.(1)(b)

(2) Purchased credit procton:2

7.d.(2)(a)
7.d.(2Xb)

Investmnt grade ................................
(b)Sublnvestment grade..........................
(a)

8.

8. Spot foreign exchange contract........................................................ ................................................
9. All other off-balance sheet liabilties (exclude derivatives) (itemize and describe each component

9.

of this item over 25% of Schedule RC, item 27.a, "Total bank equity capitl. .. ............. ................. ...

9.a.

a. Securities borrwed................................................................................ 3432

9.b.

b. Commitments to purchase when-issued securities.. ....... ....... ......... .... ... 3434
c. Standby letters of credit issued by a Federal Home loa.n Bank on the

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

d.fi~....u.........................................
e. ~
f. ~

9.1.

10. All other off-balance sheet assets (exclude derivatives) (itemize and
descbe each component of this item over 25% of Schedule RC,
item 27.a, "Total bank equity capital.) ...............,.........................................
a. Commitments to sell when-issued securities .........................................

10.

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

e. ~
:IJ
d. 5594

RCON Trii

11. Year -to-date merchant credit card sales volume:
. C223
a. Sales for which the reporting bank is the acquiring bank.......................................................
. C224
b. Sales for which the reporting bank is the agent bank with risk...............................................

1 Sum of items 7.d.(1)(a) and (b), columns
2 Sum of items 7.d.(2)(a) and (b), columns

A through C, must equal sum of itms 7.a.(1) through (4), column A.
A through C, must equal sum of items 7.a.(1) through (4), column B.

BU

Mil

Thu
11.a.
11.b.

DRAFT

FFIEC 041

PageRC-22

§J

Schedule RC-L-Continued
Dollar Amounts in Thousands

(ColumnA)
Interest Rate

Contract
Derivatives Position Indicators

(Column B)
Foreign Exchange

Contract

(Column C)
Equity Derivative

Contract

(Column D)

Commoity and
Other Contract

Bil MU

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 contract.............................

b. Forwrd contract............................
c. Exchange-traded option contract:

(1) Written options ..........................
(2) Purchased options ....................
d. Over-the-counter option contract:

(1) Written options ..... .... .................
(2) Purchased options ....................

e. Swaps..............................................
13. Total gross notional amount of
derivative contract held for trading .....

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

12.c.(2)
12.d.(1 )

12.d.(2)

12.e.
13.

14. Total gro notional amount of

derivative contract held for
purpes other than trading .................
a. Interest rate swaps where the
bank has agreed to pay a
fixed rate..........................................
15. Gros fair values of derivative

14.

14.a.

contract:
a. Contract held for trading:

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

15.a.(1 )

15.a.(2)

b. Contract held for purpses other
than trading:

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

15.b.(1 )

15.b.(2)

9

(Column C)

Hedge Funds

1 The $10 billion asset size test Is generally based on the total assets reportd on the June 30. 200;. Report of Condition.

items 16.b.(1) through (7)).....................IG458

(6) Equity securities .......... ................ .......... G448
(7) All other collateral................................ G453
(8) Total fair value of collateral (sum of

(5) Corporate bonds.................................... G443

debt securities........ .......... ...................... G438

U.S. Government-sponsored agency

(2) Cash-er currncies........................ G428
(3) U.S. Treasury securities ........................ G433
(4) U.S. Government agency and

a. Net current credit exposure ........................ G418
b. Fair value of collateral:
(1) Cash-.S. dollar................................... G423

16. Over-the counter derivatives:

G459

Guarantors

Firms

Dollar Amounts in Thousands RCON

(Column B)
Monollne Financial

(ColumnA)
Banks and Securities

Item 161s to be completed only by banks with total assets of $10 bilion or more.1

Schedule RC-L-Continued

Sovereign
Governments
i Bi i I

(Column D)

Bil I Mil I Thou

Oter Counterpartes

(Column E)
Corporations and All

16.b.(8)

-I

16.b.(7) -n

16.b.(6)

16.b.(4) C
16.b,(5) ~

16.b.(1)
16.b.(2)
16.b.(3)

16.a.

~

Page RC-23

FFIEC 041

DRAFT

FFIEC041

PageRG-24

~

Schedule RC-M-Memoranda
Dollar Amounts in Thousands RCON

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 offcer', direcors, principal
shareholders, and their related interests... ......... .... ........................................................... ............

1.a.

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 leser of $500,00 or 5 percent

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

c. All other identifable intangible assets ...........................................................................................
d. Total (sum of items 2.a, 2.b, and 2.c) (must equal Schedule RC, item 10.b)................................

3. Oter real esta owned:
a. Construction,

land development, and other land........................................................................... 558

b. Farmland ............................. .......................................................................................................... 5509
c. 1-4 family residential properties ................................................................................................... 5510
d. Multifamily (5 or more) residential properties ................................................................................ 5511
e. Nonfarm nonresidential properties ................................................................................................ 5512
1. Foreclosed propertes from "GNMA loans" ................................. ................................................... C979

g. Total (sum of Items 3.a through 3.f) (must equal Schedule RC, item 7) .................................... 2150
4. Not applicable
5. Other borrwed 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 .................................................................................................................
(2) Advances with a REMAINING MATURITY of one year or less (included in item 5.a.(1 )(a)

above)2....................................................................................................................................
(3) Structured advances (included in items 5.a.(1 )(aHd) above)................................................

1.b.

2.a.
2.a.(1 )

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

3.a.
3.b.
3.c.
3.d.
3.e.
3.1.

3.g.

5.a.(1 iea)
5.a.(1 )(b)

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

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

b. Other borrowings:

(1) Other borrowings with a remaining maturity or next repricing date of:3
(a) One year or less ...............................................................................................................

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

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

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

1 Report fixed rate advances by remaining maturity and floating rate advances by next repricing date.
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 borrwings by next repricing date.
4 Report both fixed and floating rate other borrwings by remaining maturity. Exclude floating rate other boÌTwings with a next repricing date of

2 Report both fixed and floating rate advances by remaining maturity.

one year or less that have a remaining maturity of over one year.

5.b.(1 )(a)

5.b.(1 )(b)
5.b.(1 )(c)
5.b.(1 ied)

5.b.(2)
5.c.

DRAFT

FFIEC041
Page

~

Schedule RC-M-Continued
Dollar Amounts in Thousands RCON

6. Does the reporting bank sell private label or third-part mutual funds and annuities? ........... ........... 8569

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

8. Primary Internet Web site addres 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, Le., allow the bank's RCON
customers to execute transactions on their accunts through the Web site? ...................... .............. 4088

10. Secured liabilties:
a. Amount of "Federal funds purchased" that are secured (included in Schedule RC, item 14.a) ....
b. Amount of .Other borrowings" that are secured (included in Schedule RC-M,
items 5.b.(1 )(a)-(d)) ......................................................................................................................

6.

7.

8.

9.

10.a.
10.b.

11. Does the bank act as trste or custodian for Individual Retirement Accounts, Health

Savings Accounts, and other similar accounts? ........................... ............................... ................

12. Does the bank provide custody, safkeeping, or other services Involving the acceptance of
orders for the sale or purchas of securities? .............................................................................

IN 5Er¿T Go

Rc-25

11.

12.

INSERT G - FFIEC 041

. 13. Assets covered by loss-sharing agreements with the FDIC:

a. Loans and leases (included in Schedule RC, items 4.a and 4.b) .....
b. Other real estate owned (included in Schedule RC, item 7) ............
c. Debt securities (included in Schedule RC, items 2.a and 2.b) .........
d. Other assets .....................................................................................

RCON

xx
xx
xx
xx

Bil

Mil

Thou

DRAFT

FFIEC041

PageRG-26

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

due
30 through 89
days and stil
Past

accing

Dollar Amounts in Thousands RCON Bil

(Column B)
due 90

Past
days

~

(Column C)

Nonaccrual

or more

and stil

accing
Bil Mil

1. Loans secured by real estate:
a. Construction, land development, and other
land loans:
(1) 1-4 family residential construction

loans ........................................................... F172

(2) Other construction loans and all land
development and other land loans.............. F173
b. Secured by farmland ......................................... 3493
c. Secured by 1-4 family residential properties:

(1) Revolving, open-end loans secured by
1-4 family residential properties and
extended under lines of credit.. ....... .......... 5398

1.a.(1 )

1.a.(2)
1.b.

1.c.(1 )

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

residential properties:
(a) Secured by first liens ............................ C236
(b) Secured by junior liens ......................... C238
d. Secured by multifamily (5 or more) residential
properties.................. ................... ..... ................ 3499
e. Secured by nonfarm nonresidential

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

properties:
(1) Loans secured by

owner-ocupied

nonfarm nonresidential properties .............. F178
(2) Loans secured by other nonfarm

nonresidential properties............................. F179
2. Loans to depository institutions and

accptances of other banks............... ..... ............... B8
3. Not applicable
4. Commercial and industrial

loans............................ 160

1.e.(1 )

1.e.(2)
2.

4.

5. Loans to individuals for household, family, and
other persnal expenditures:

a. Credit cards ....... ................................................ 8575
b. Other (includes single payment, installment,
all student loans, and revolving credit plans

other than credit cards) ..................................... 8578
6. Loans to foreign governments and offcial

institutions............................................................. 5389
7. All other loans1....................................................... 5459
8. Lease financing receivables................................... 1226
9. Debt securities and other assets (exclude
other real estate owned and other repossessed
assets).................................................................... 3505

1 Includes past due and nonaccal "Loans to finance agricultural producton and other loans to farmrs," "Obligations (other than secrities and
leases) of states and political subdivisions in the U.S.," and "Other loans."

5.a.

5.b
6.
7.
8.

9.

DRAFT

FFIEC041

PageRG-27

~

Schedule RC-N-Continued
Amunts reported in Schedule RC-N, items 1 through 8, above include guarantee and unguaranteed portions of past due
and nonaccrual loans 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.
(Column B)
due 90

Past

(Column C)

Nonaccrual

more
and stil
accruing

days or

Dollar Amounts in Thousands RCON

BII Mil

10. Loans and leases reported in items 1 through 8
above which are wholly or partially guaranteed

by the U.S. Government (Including loans and
leases covered by FDIC loss-sharlng

agrements).........................................................
a. Guaranteed portion of loans and leases
included in item 10 above (exclude reboked
"GNMA loans.).................................................
b. Reboked "GNMA loans. that have been
repurchased or are eligible for repurchase

included in item 10 above........................ .........

10.

10.a.

10.b.

DRAFT

FFIEC041

PageRC-28

§J

Schedule RC-N-Continued
(Column B)

90
days
or more
and stil
accruing
Past

Memoranda
Dollar Amounts in Thousands

1. Restructured loans and leases included in
Schedule RC-N, items 1 through 8, above
(and not reported in Schedule RC-C, Part I,
Memorandum item 1):
a. Loans secured by 1-4 family residential
properties .......................................................... F661

due

(Column C)

Nonaccrual

BII Mil

M.1.a.

b. Other loans and all leases (exclude loans
to individuals for household, family, and
other personal expenditures)............................. 1658
2. Loans to finance commercial real estate,
construction, and land development activities

M.1.b.

(not secured by real estate) included in
Schedule RC-N, items 4 and 7, above................... 6558
3. Memorandum items 3.a. through 3.d are to be
completed by banks wit $300 million or more

M.2.

in total assets:1
a. Loans secured by real estate to non-U.S.
addressee (domicile) (included in

M.3.a.

Schedule RC-N, item 1, above)......................... 1248
b. Loans to and accptances of foreign banks

M.3.b

(included in Schedule RC-N, item 2, above) ..... 5380
c.

loans to non-U.S.
Commercial and industrial
addressees (domicile) (included in

M.3.c.

Schedule RC-N, item 4, above)......................... 1254
d. Leases to individuals for household, family,
and other persnal expenditures (included

M.3.d.

in Schedule RC-N, item 8, above)..................... F166
Memorandum item 4 is to be completed by:1

banks wit $300 million or more in total assets
banks wit less than $300 million in total
assets that have loans to finance agricultural

proucton and other loans to farmers
(Schedule RC-C, part i, item 3) exceeding
five percent of total

loans:

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

Schedule RC-N, item 7, above) ............................. 1594
5. Loans and leases held for sale and loans
measured at fair value (included in Schedule

RC-N, items 1 through 8, above):

M.5.a.

a. Loans and leases held for sale.......................... C240
b. Loans measured at fair value:

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

(1) Fair value .................................................... F664
(2) Unpaid principal balance..... ................ ........ F667

1 The $300 milion asset size test and the five percent of total loans test are generally base on the total assets and total

June 30, 2001- Report of Condition.

q

loans repored on the

DRAFT

FFIEC 041

PageRG-29

§J

Schedule RC-N-Continued
Memoranda-Continued
(ColumnA)
due 30
through 89 days
Past

Dollar Amounts in Thousands

(Column B)
due 90
days or more
Past

Memorandum item 6 is to be completed by

banks wit $300 million or more in total assets:1
6. Derivative contract:
M.6.

Fair value of amounts carred as assets .. .............. 3529

RCON

7. Additions to nonaccal assets during the quarter ............ .... ................... ...... ...... ....... ................. ......
8. Nonaccrual assets sold during the quarter....................................................................... ..................

Bil

Mil

Thou

C410
C411

M.7.
M.8.

a
1 The $30 milion asset size test is generally base on the total assets reported on the June 30. 200', Report of Conditin.

Schedule RC-Q-Other Data for Deposit Insurance and FICO Assessments
All banks must complete items 1 and 2, Items 7 through 9, Memorandum item 1, and, if applicable, Memorandum items 2, 3,
and 4 each quarter. Each bank that reported $1 billon or more in total assts in its March 31, 2007, Report of Condition must
complete items 4 and 5 each quarter. In addition, each bank that reported $1 billon or more in total assets in two consecu-

tive Report of Condition beginning with its June 30, 2007, report must bein to complete items 4 and 5 each quarter starting
six months after the second consecutive quarter in which it report total assets of $1 bilion or more. Each bank that becomes
1, 2007, must complete items 4 and 5 each quarter. Any other bank may choose to cominsured by the FDIC on or after April
plete items 4 and 5, but the bank must then continue to complete items 4 and 5 each quarter thereafter.
Dollar Amounts in Thousands RCON

1. Total deposit liabilties before exclusions (gross) as defined in Section 3(1) of the Federal

Deposit Insurance Act and FDIC regulations ..... ...................................................... ..........................
2. Total allowable exclusions, including interest accrued and unpaid on allowable exclusions .............

1.

2.

3. Not applicable

4. Total daily average of depoit liabilities before exclusions (gros) as defined in Section 3(1)
of the Federal Depoit Insurance Act and FDIC regulations ..................................................... .........
5. Total daily average of allowable exclusions, including interest accrued and unpaid on

allowable exclusions ............................................................. ............................................................
6. Not applicable
7. Unsecured "Oter borrowings" with a remaining maturity of (sum of Items 7.a through 7.d
must be less than or equal to Schedule RC-M, Items 5.b.(1)(aHd) minus Item 10.b):
a. One year or less ...................................... ............. .............................................................. ......... G45

b. Over one year through thre years................ ............................... ............................... .............. G466
c. Over three years through five years.......................................................................................... G47
d. Over

five years............................................................................................................................. G468

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 ............... .............................. ..... ........... ......................... .............................. ...... G469
b. Over one year through three years.......... ..... ............. .................... ..... ............................. .... ...... G470
c. Over three years through five years ........ ........ .......................... .................. .............. ................ G471

d. Over five years............................................................................................................................. G472
9. Reciprocal brokered deposits (Included in Schedule RC-E, Memorandum Item 1.b) ............... G803

4.
5.

7.a.
7.b.
7.C.

7.d.

8.a.
8.b.
8.c.
8.d.
9.

DRAFT

FFIEC041

PageRC-30

Schedule RC-Q-Continued

§J

Memoranda

M.1.a.(1 )

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

M.1.b.(2)

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

M.1.d.(2)

Memorandum Item 2 Is to be completedby banks with $1 billion or more In total assets.2
2. Estimated amount of uninsured assessble depoits, including related interest accrued and
unpaid (see instructions)3 ..................................................................................................................
3. Has the reporting institution been consolidated with a parent bank or savings assiation
in that parent bank's or parent savings assciation's caii Report or Thrift Financial Report?
If so, report the legal title and FDIC Certificate Number of the parent bank or parent savings

assciation:

M.2.

M.3.

TE
A5

Memorandum items 4.a and 4.b are to be completed by all banks partcipating In the
FDIC Transacton Account Guarantee Proram.
4. Noninterest-bearing transaction accunts (as defined in Part 370 of the FDIC's
regulations) of more than $250,00 (see instructions):
a. Amount of noninterest-bearing transaction accunts of more than $250,000
(including balances swept from noninterest-bearing transaction accunts to
noninterest-bearing savings accunts) ................... .................................... .................................
b. Number of non

interest-bearing transaction accounts of more Number

than $250,000 ........................................................................................ G168

report date. q

1 The dollar amounts used as the basis for reportng in Memorandum items 1.a through 1.d reflect the deposit insurance limits in effect on the
2 The $1 bilion

asset size test is generally based on the total assets repoed on the June 30, 2ooj, Report of Conditn.

3 Uninsured assessble depsits should be estimated based on the deposit insurance limits set fort in Memorandum items 1.a through 1.d
without taking into accunt a bank's participation in the FDIC's Debt Guarantee Proram or Transaction Accunt Guarante Proram.

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

DRAFT

FFIEC041

~

Page Re-31

Schedule RC-P-1-4 Family Residential Mortgage Banking Activities
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 exceed $10 milion for two consecutive quarters.

Dollar Amounts in Thousands RCON

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

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

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

1.c.(2)

2. Wholesale originations and purchases during the quarter of 1-4 family residential

mortgage loans for sale:2
a. Closed-end first liens.....................................................................................................................
b. Close-end junior liens..................................................................................................................
c. Open-end loans extended under lines of credit:

(1) Total commitment under the lines of credit .............................................................................
(2) Principal amount funded under the lines of credit................................. ...................... ............
3. 1-4 family residential mortgage loans sold during the quarter:
a. Clos-end first liens.....................................................................................................................
b. Closed-end junior liens... ............... .............. ....... .... ....... .................. .......... .... ................................
c. Open-end loans extended under lines of credit:

(1) Total commitment under the lines of credit .............................................................................
(2) Principal amount funded under the lines of credit...................................................................
4. 1-4 family residential mortgage loans held for sale at quarter-end (included in
Schedule RC, item 4.a):
a. Closed-end first liens.....................................................................................................................

b. Closed-end junior liens.............. ............................ ..... .................. .................................................
c. Open-end loans extended under lines of credit:

(1) Total commitment under the lines of credit .............................................................................
(2) Principal amount funded under the lines of credit...................................................................
5. Noninterest income for the quarler from the sale, securitization, and servicing of 1-4 family
residential mortgage loans (included in Schedule RI, items 5.1, 5.g, and 5.i):
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

quarle~ RCON
a. Closed-end first liens.....................................................................................................................
b. Closed-end junior liens..................................................................................................................
c. Open-end loans extended under lines of credit:

(1) Total commitment under the lines of credit .............................................................................
(2) Principal amount funded under the lines of credit......... .................. ..... ................... ...... ........
',.
1 The $1 bilion asset size test is generally base on the total assets reported on the June 30, 200'-, Report of Conditin.
2 Exclude originations and purchases of 1-4 family residential mortgage loans that are held for investment.

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

2.c.(2)

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

3.c.(2)

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

4.c.(2)

5.a.
5.b.

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

6.c.(2)

Schedule RC

I F240

recurrng basis (sum of Item. 8 through 13).. IG531

14. Total liabilites measured at fair value on a

13. All other liabilties............................................. G805

11. Other borrowed money..................................... G521
12. Subordinated notes and debentures............... G526

10. Trading lIablltle.:
a. Derivative liabilities...................................... 3547
b. Other trding liabilities ................................ G516

under agreements to repurcha.e... ..................1 G507

9. Federal funds purcha.ed and .ecuritles sold

LIABILITIES
8. Deposits.............. ....... ... ....... ..............................

recurrng basis (sum of Item. 1 through
5.b plus Item 6) ................ ..................................1 G502

6. All other assets................................................. G391
7. Total assets measured at fair value on a

Schedule RC-Q, Item 5.b, above)..........

current earning. (Included In

(1) Nontrding securities at fair value
with changes In fair value reportd in

b. Other trading assets

a. Derivative assets..........................................

4. Loans and leases held for Inve.tment............ G488
5. Trading assets:

3. Loan. and lea.es held for .ale ............................... G483

ASSETS
1. Available-for-sale .ecuritles ............ ... ....... .... ..11773
2. Federal funds sold and securies purchased
under agrements to resell.............................. G478

Dollar Amounts in Thousands I RCON I BY

G512
G517
G522
G527
G806

i BU i .... I .

ofTotal Fair Value

Reported on

(Column B)
LESS: Amounts Netted
in the Determination

(ColumnA)
Total Fair Value

(b) Are required to complete Schedule RC-D, Trading As.ets and Liabilties.

In earnings, or

1 Fair Value

(Column C)

G513
G518
G523
G528
G807

Measurements

Level

2 Fair Value

(Column D)

G514
G519
G524
G529
G808

Measurements

Level

G515
G520
G525
G530
G809

Measurements

Level 3 Fair Value

(Column E)

(a) Have elected to report flnanclallnstrments or .ervlclng a..ets and lIablltie. at fair value under a fair value option with changes In fair value recognized

(2) Had total assets of less than $500 milion as of the beginning of their flscal year and either:

(1) Had total assets of $500 milion or more as of the beginning of their fiscal year; or

Schedule RC-Q Is to be completed by banks that:

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

14.

12.
13.

11.

10.a.
10.b.

9.

8.

7.

6.

5.b.(1)

5.b.

5.a.

2.
3.
4.

1.

~

Page RC-32

FFIEC 041

-I

~
."

C

f. i: G58

b. Nontrading derivative liabilties... ............... G566

~~
G~1
d.
~ G576
e. ml
G581

amounts Included In Schedule RC-Q,
Item 13, that are greater than $25,000 and
exceed 2501 of Item 13.):
a. Loan commitments (not accounted for
as derivatives) .............................................. F261

2. All other liabilties (Itemize and describe

f. ml G561

b. ~;lding derivative assets. ................ ..... ~

a. Mortgage servicing assets ....... ................... ~

i Bil I .... I

(ColumnA)
Total Fair Value
Reported on
Schedule RC

~
~
G~
d.
e. ~
~ G551
G556

2501 of Item 6):

that are greater than $25,000 and exceed

1. All other assets (Itemize and describe
amounts Included In Schedule RC-Q, Item 6,

Memoranda

Dollar Amounts in Thousands

Schedule RC-Q-Continued

RCONI Bil

ofTotal Fair Value

in th Determination

(Column B)
LESS: Amounts Netted
1 Fair Value

(Column C)

Measurements

Level

(Column E)

Level 3 Fair Value

Measurements

(Column D)

Level 2 Fair Value

Measurements

M.2.f.

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

M.1.

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

~

Page Re-33

FFIEC 041

-I

~
."

c

DRAFT

FFIEC 041

PageRG-34

Schedule RC-R-Regulatory Capital

~

Dollar Amounts in Thousands RCON

TIer 1 capital
1. Total bank equity capital (from Schedule RC, item 27.a) ................................................................... 3210
2. LESS: Net unrealized gains (loses) on available-for-sale securities1 (if a gain, report as a
positive value; if a loss, report as a negative value)........................................................................... 8434

1.

2.

3. LESS: Net unrealized loss on available-for-sale EQUITY securities1 (report loss as a poitive

3.

value) ................................................................................................................................................. A221
4. LESS: Accmulated net gains (loses) on cash flow hedges1 (if a gain, report as a positive

4.

value; if a loss, report as a negative value)........................................................................................ 4336

5.
6.

5. LESS: Nonqualifying perpetual preferred stock .................................... ............................................. B588

6. Qualifying noncontrollng (minority) interests in consolidated subsidiaries ............. ........................... B589
7. a. LESS: Disallowed goowil and other disallowed intangible assets .............................................. B590
liabilties accunted for under a fair value
b. LESS: Cumulative change in fair value of all financial

7.a.

option that is included in retained eamings and is attributable to changes in the bank's own

creditworthines (if a net gain, report as a positive value; if a net loss, report as a negative

7.b.

value)............................................................................................................................................. F264

8.

8. Subtotal (sum of items 1 and 6. less items 2,3,4,5, 7.a. and 7.b) ................................................... C227

9.a.
9.b.

9. a. LESS: Disallowed servicing assets and purchased credit card relationships ............................... B591

b. LESS: Disallowed deferred tax assets .......................................................................................... 5610

10.
11.

10. Other additions to (deductons from) Tier 1 capital............................................................................ B592
les items 9.a and 9.b)........................................................... 8274
11. Tier 1 capital (sum of items 8 and 10,

Tier 2 capital
12. Qualifying subordinated debt and redeemable preferred stock.................................... .... ..... ...........

13. Cumulative perptual preferred stoc includible in Tier 2 capitL........................ .... .......................

530

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

. B593
. 5310

14. Allowance for loan and lease loses includible in Tier 2 capitaL.....................................................
2221
15. Unrealized gains on available-for-sale equity securities includible in Tier 2 capita!.........................

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

. B594
. 5311

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

. 8275

19.

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

20.
21.

20. LESS: Deductions for total risk-based capital.................................................................................... B595
21. Total risk-based capital (sum of items 11, 18, and 19,Iess item 20)................................................. 3792
Totl assets for leverage ratio

22. Average total assts (from Schedule RC-K, item 9) .........................................................................

23. LESS: Disallowed goowil 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)...........................................................

. 338

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

. B590
. B591

. 5610

. B596

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

Adjustments for financial subsidiaries
28. a. Adjustment to Tier 1 capital reported in item 11 ..................... ... ..... ............. .................. ................ C228
b. Adjustment to total risk-based capital repoed in item 21............................................................. B503

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

29. Adjustment to risk-weighted assets reported in item 62.......................... ........ ................................... B50
30. Adjustment to average total assets reported in item 27 ....................... .............................................. B505

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

(ColumnA)
RCON

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

. 7274

.7275

(Column B)

-- -_.
--.- - -.-- -_.
Percnta

RCON

Percntae

7204
7206
7205

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

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

31.
32.
33.

BY i

Risk-weighting

(Column B)
Items Not
Subject to

intangible assets. and other assets.

~

43.

42.

41.

40.

39.

38.

37.

36.

35.

34.

1 Includes premises and fixed assets, other real estate owned, investments in unconsolidated subsidiaries and associated companies, direct and Indire Inve.tments In reale.tate ventures,

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

42. All other assets1................................................................

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

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

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

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

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

37. Federal funds sold and securities purchased under

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

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

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

i Mil I

(from
Schedule RC)

(ColumnA)
Totals

which ones to risk-weight at an appropriate lower risk weight, or it can simply risk-weight some or all of

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).

Schedule RC-R-Continued

FFIEC 041
Page RC-35

-l

~
."

C

Amount

Face Value
or Notional

(ColumnA)

Credit
Conversion
Factor
Amount1

Credit
Equivalent

(Column B)

0%

20%

50%

100%

3 Or institution-specifc factor.

credit, use a credit conversion factor of 1.00. See instrctons for furtr information.

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 or an institution-specic factor. For other financial standby letters of

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

commercial paper conduits..........

year or less to asset-backed

exceeding one year.........................
b. With an original maturity of one

a. With an original maturity

53. Unused commitments:

liabilities................................................

52. All other off-balance sheet

recourse...............................................

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

49. Retained recourse on small business

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

47. Risk partcipations in bankers
acceptances acquired by the
reporting institution...............................

credit....................................................

46. Commercial and similar letters of

credit....................................................

45. Penormance standby letters of

44. Financial standby letters of credit.......

Derivatives and Of-Balance Sheet Items

Dollar Amounts in Thousands

Schedule RC-R-Continued

54.

53.b.

53.a.

52.

51.

50.

49.

48.

47.

46.

45.

44.

~

FFIEC 041
Page RC-36

-l

~
."

C

Dollar Amounts in Thousands

Dollar Amounts in Thousands ~

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

Memoranda

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

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

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

58. Market risk equivalent assets......................................................................................................
59. Risk-weighted assets before deductions for excess allowance for loan and lease losses and
allocated transfer risk reserve (sum of item 57, columns C through F, and item 58) ..................

57. Risk-weighted assets by risk-weight category (for each column, item 55 multiplied by
item 56).......................................................................................................................................

56. Risk-weight factor........................ ............................... ....... ....... ......... ........ ..................................

55. Total assets, derivatives, and off-balance sheet items by risk-weight category (for each
column, sum of items 43 through 54)..........................................................................................

Totals

Schedule RC-R-Continued

M.1

62.

61.

60.

59.

58.

57.

55.
56.

~

FFIEC 041
Page RC-37

-I

~
"

C

(1) Subinvestment grade .............. .............................................................. ......... .G600

Investment grade ................... ........ .... ................ ............................................1 G597

and Is not recognized as a guarantee for rlsk-based capital purposes:

g. Credit derivative contract:
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

f. Equity derivative contract ........................................................................ ........... AOOO

e. Other commodity contract ......... ......................................................................... 8777

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

b. Foreign exchange contract................................................................................. 3812
c. Gold contracts ............... .......... ............................................................... .............. 8771

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

(2)

(ColumnA)

One year or less
Dollar Amounts in Thousands I RCON I Tri

a. Interest rate contract..... .......... .... ......... ............... .............................. ........ ..... ..... 3809

2. Notional principal amounts of derivative contract:1

Memoranda-ontinued

Schedule RC-R-Continued

8767
8770
8773
8776
8779
A002

(Column C)

Over five years

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

M.2.f.

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

~

FFIEC 041
Page RC-38

-I

~
."

C

b. Recoveries

a. Charge-off......... ...... .......... ..............

(calendar year-to-ate):

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

b. 90 days or more past due.................
5. Charge-off and recoveries on assets

a. 3~9 days past due ............... .........

4. Past due loan amounts included in
item 1:

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

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

b. Subordinated securities and

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

Bank Securitization Activities

Dollar Amounts in Thousands

Residential
Loans

1-4 Family

(ColumnA)

Loans

Creit

Cård

Home
Equity
Lines

Receivables

Auto

(Column C)

(Column B)

(Column D)

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

Other
Consumer
Loans

(Column E)

(Column G)

All Other Loans,
All Leases, and
All Other Assets

(Column F)

Commercial
and Industral
Loans

5.b.

5.a.

4.b.

4.a.

3.

2.c.

2.b.

2.a.

1.

(!

Page RC-39

FFIEC 041

-I

~
."

C

Other
Consumer
Loans

9. Maximum amount of credit exposure
arising from credit enhancements
provided by the reporting bank to other
institutions' securitization strctures 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

For Securitization Facilties Sponsored
By or Otherwse Established By Other

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

in item 6.a (calendar year-to-ate):
a. Charge-ff........................ ........... ...

amounts included in interests reported

8. Charge-ff and recoveries on loan

10.

9.

8.b.

8.a.

-l

~
"
7.b.

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

6.a.

7.a.

Loans

and Industrial

(Column G)

All Other Loans,
All Leases, and
All Other Assets

(Column F)

Commercial

(Column E)

a. 3~9 days past due... ................ ....

Loans

Auto

Credit
Card

Home
Equity
Lines

Receivables

(Column D)

(Column C)

(Column B)

e

Residential
Loans

1-4 Family

(ColumnA)

§J

6.b.

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

a. Securities (included in

interests carred as:

6. Amount of ownership (or seller's)

Dollar Amounts in Thousands

Schedule RC-S-Continued

Page RC-40

FFIEC 041

Residential
Loans

1~ Family

(ColumnA)
Auto

Credit
Card
Receivables

Home
Equity
Lines

Loans

(Column D)

(Column C)

(Column B)

Other
Consumer
Loans

Dollar Amounts in Thousands

(Column G)

All Other Loans,
All Leases, and
All Other Assets

(Column F)

Commercial
and Industral
Loans

(Column E)

of the report date or (2) are credit card specialty banks as defined for Uniform Bank Performance Report purposes. M.3.a.(1)
M.3.a.(2)

§J

12.

11.

2 Memorandum item 4 is to be completed by banks that (1) toether wit affliated institions, have outstanding crdit card receivables (as defined in the instructons) that exceed $500 millon as

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.

(1) Conduits sponsore by the bank, a bank affliate, or the bank's holding company ......................................................................................
(2) Coriduits sponsored by other unrelated institutions ......................................................................................................................................1 B809
4. Outstanding credit card fees and finance charges included in Schedule RC-S, item 1, column C2................................................................... .....

(1) Conduits sponsored by the bank, a bank affliate, or the bank's holding company ......................................................................................1 B806
(2) Conduits sponsored by other unrelated institutions......................................................................................................................................
b. Unused commitments to provide liquidity to conduit strctures:

credit, subordinated securities, and other enhancements:

a. Maximum amount of credit exposure arising from credit enhancements provided to conduit strctres in the form of standby letters of

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

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

c. Other financial assets (includes home equity Iines)1........................................................................................................................................... A591

a. Closed-end 1~ family residential mortgages service with recourse or other servicer-provided credit enhancements.................................... B804
b. Closed-end 1~ family residential mortgages service with no recours or other servicer-provided credit enhancements............................... B805

1. Small business obligations transferred with recourse under Section 208 of the Riegle Community Development and Regulatory Improvement
Act of 1994:
a. Outstanding principal balance ........... .... ................................................................ ....... ............... ................................................. .............. .........1 A249
b. Amount of retained recourse on these obligations as of the report date............................................................................................................. A250
2. Outstanding principal balance of assets service for others (includes partcipations service for others):

Memoranda

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

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

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

Dollar Amounts in Thousands

Schedule RC-S-Continued

FFIEC 041
Page RC-41

-I

~
iI

c

DRAFT

FFIEC041

PageRG-2

~

Schedule RC- T -Fiduciary and Related Services

1. Does the institution have fiduciary powers? (If UNO; do not complete Schedule RC- T.)..............I:::\ Yes r;¡?A No I 1.

RCON

2.

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

3. Dos the institution have any fiduciary or related activity (in the form of assets or accunts)
to report in this schedule? (If UNO," do not complete the rest of Schedule RG- T.)........................

3.

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

Institutions with total fiduciary assets (item 10, sum of columns A and B) greater than $250 milion (as of the preceing
December 31) or with gross fiduciary and related service income greater than 10% of revenue (net interest income plus
noninterest income) for the preceing calendar year must complete:
. Items 4 through 22 quarterly,

. Items 23 through 26 annually with the Decmber report, and
. Memorandum items 1 through 4 annually with the December report.
Instituions with total fiduciary assets (item 10, sum of columns A and B) greater than $100 milion but les than or equal to

$250 milion (as of the precing Decmber 31) that do not meet the fiduciary income test for quarterly reporting must complete:
. Items 4 through 26 annually with the December report, and
. Memorandum items 1 through 4 annually with the Decmber report.

Institutions with total fiduciary assets (item 10, sum of columns A and B) of $100 milion or les (as of the preceing December 31)
that do not meet the fiduciary income test for quarterly reporting must complete:
. Items 4 through 13 annually with the December report, and

. Memorandum items 1 through 3 annually with the December ~eport.

(ColumnA)
Managed

Asets

(Column B)

Non-Managed

Asets

Dollar Amounts in Thousands Tril
FIDUCIARY AND RELATED ASSETS

4.

4. Persnal trust and agency accunts ......
5. Employee benefit and retirementrelatd trst and agency accounts:

RCB874

RCNB875

RCNB878

RCNB879

benefit................................................
c. Other employee beneft and
retirement-related accounts...........

RCNB8

RCONB8

RCNCOl

RCNCO2

6. Corprate trust and agency accunts ....
7. Investment management and
Investment advisory agency accounts.

RCNB8

RCNJ254

RCONJ257

RCONJ258

RCNB892

RCONB893

RCONB896

RCONB897

a. Employee benefrt-defined

5.a.

contribution..... .................... ...............
b. Employee benefi-defined

8. Foundation and endowment trst

5.b.

5.c.
6.
7.
8.

and agency accounts...........................

9. Other fiduciary accunts ........ ...... ..........
10. Total fiduciary accounts (sum of
items 4 through 9) ................................

9.
10.

DRAFT

FFIEC041

PageRG-3

~

Schedule RC- T -Continued
(Column D)

(Column B)

(ColumnA)
Managed

of
Number
Non-Managed

Non-Managed

Asets

Asets

Accunts

Dollar Amounts in Thousands Trii
11.

11. Custody and safekeeping accunts .......
12. Not applicable

13. Individual Retirement Accunts,

Healt Savings Accunts, and other
similar accounts (Included In

13.

Items 5.c and 11) ..................................

FIDUCIARY AND RELATED SERVICES INCOME
14. Persnal trust and agency accunts ....................................................................... ....................... B90

14.

15. Employee beneft and retirement-relatd trust and agency accounts:
a. Employee benefit--efined contribution.......... ................................................. ......................... B905
b. Employee benefit--efined benefit ............................... ........... .... ..... ....................... ................. B90

15.a.
15.b.
15.c.

c. Other employee beneft and retlrement-rlated accounts..... ...... .................... .................... B907

16.
17.
18.
19.
20.

16. Corprate trust and agency accunts ............................................................................................ A479
17. Investment management and Investment advisory agency accunts ........................................ J315

18. Foundation and endowment trst and agency accounts......................................................... J316
19. Other fiduciary accunts ................................................................................................................ A480
20. Custody and safekeeping accunts ............ .............................. ........................ ............................. B909
21. Other fiduciary and related services income.................................................................................. B910

21.

22. Total gro fiduciary and related service income (sum of items 14 through 21) (must equal

22.
23.
24.
25.
26.

Schedule RI, item 5.a).................................................................................................................... 4070
23. Les: Expenses.............................................................................................................................. COSS
24. Les: Net losses from fiduciary and related services ............. ............................................ ............ A488

25. Plus: Intracompany income credits for fiduciary and related services ........................................... 8911
26. Net fiduciary and related services income ..... .............................................................. ..... ............. A491

(ColumnA)

(Column B)

Personal Trust and

Employee Beneft and

Agency

Retlrement-Related
Trust and Agency

and

Investmnt

Accunts

Management Agency
Accounts

Memoranda

(Column C)

All Other Accunts

Mil Thou ~ Bil Mil Thou
":':':','
i:'/"" :7,';."" ,'" '.;::~
J265

Dollar Amounts in Thousands RCON Bil Mil Thou RCON BII

1. Managed assets held In fiduciary accounts:
a. Noninterest-bearing deposits ....................... J263

b. Interest-bearing depoits.............................. J266

c. U.S. Treasury and U.S. GovernmentiEflif'/ ',,',

J264
J267

,. :.:d~

agency obligations...................... .................. J269
d. State, county, and municipal obligations ...... J272

e. Money market mutual funds ................. ........ J275

f. Equity mutual funds................................... J278
g. Other mutual funds .................................... J281
h. Common trst funds and collective :)':\

investment funds..... ........ ............... ............ J284
i. Other short-term obligations......................... J287
j. Other notes and bonds................................. J290
k. Investments in unregistered funds and') 0, 0

private equity Investments........................ J293 I I

J270
J273
J276
J279
J282
", ',:í,/.A'

J285
J288
J291

t,

J2941

J268
. " ,0' 'ifFC: ,,'

','"I

J271

M.1.c.
M.1.d.
M.1.e.

J274
J277
J280
J283

" ,i'. : :.

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

00

M.1.f.
M.1.g.

;,

J286
J289
J292

M.1.h.
M.1.i.
M.1.j.

I I J295

M.1..

C' '. '",/,::c". 0',' ,

DRAFT

FFIEC041

PageRG-

~

Schedule RC- T -Continued
(ColumnA)

(Column B)

Personal Trust and

Employee Beneft and

C)

(Column

All Oter Accounts

Retirement-Related
and
Trust and Agency
Invesbnent
Accounts
Management Agency
Agency

Memoranda-Continued
Accunts
Dollar Amounts in Thousands RCON Bil Mil Thu
1. i. Other comon and prerrd stocks ....... J296
m. Real estate mortgages.................... ............. J29
n. Real estate .. .......................... ....................... J302
o. Miscellaneous assets .......................... ......... J305

RCÓN

Bil

Mil

Thu

J297
J300
J303

RCON

Thu

Mil

Bil

J298

M.1.1.

J301

M.1.m.
M.1.n.
M.1.0.

J304
J307

J30

p. Totl managed assets held In fiduciary
accounts (for each column, sum of
Memorandum Items 1.a through 1.0) ....... J308

M.1.p.

(Column B)

(ColumnA)
Managed Asts

Number of Managed
Accounts

Dollar Amounts in Thousands RCON

1. q. Investmnts of managed fiduciary accounts In advised or

M.1.q.

sponsored mutual funds ................................................................. J311

(ColumnA)
of
Number

Issues

(Column B)

Principal Amount
Outstanding
Mil

Dollar Amounts in Thousands RCON

2. Corprate trust and agency accunts:

M.2.a.

a. Corporate and municipal trusteeships............................................................... 8927

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

(1) Issues reportd In Memorandum Item 2.a that are In default............... J313
b. Transfer agent, registrar, paying agent, and other corprate agency ............... 8929

(ColumnA)
Number

of

(Column B)

Market Value of

Funds

I:CTI ¡'''i:

a. Domestic equity ........................................................... .................... .............
b.

c.
d.
e.

Asets

d.:..: RCON Bil

Dollar Amounts in Thousands

3. Collective investment funds and common trust funds:

Fund

8931

8933
International/Global equity............................................................................
8935
Stock/Bond blend.........................................................................................
8937
Taxable bond ........................... .... ............................... ........... .......................
8939
Municipal bond ................... ....................... ...................................................
8941

Short-term investmentsMoney market ........................................................ 8943
g. Specialty/Other............................................................................................ . t,,'::;'"

f.

h. Total collective investment funds (sum of Memorandum itern 3.a

through 3.g)..................................................................................................

8945

Thou

Mil

~¡.,:

:.:' ..'

8932
8934
8936
8938
8940
8942

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

894
"
."" .

89461

"
I

,,;

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

M.3.h.

DRAFT

FFIEC041

PageRG-

~

Schedule RC- T -Continued
(ColumnA)

(Column B)

(Column C)

Gross Losses

Recoveries

Gross Losses
Managed

Non-Managed

Accunts

Accunts

Dollar Amounts in Thousands

4. Fiduciary settlements, surcharges. and other losses:

M.4.a.

a. Personal trust and agency accunts ........................................

b. Employee beneft and retirement-related trust and

M.4.b.

agency accounts ................................................. ...................
c. Investment management and Investment advisory agency

accunts...................................................................................
d. Other fiduciary accunts and related services .........................

M.4.c.
M.4.d.

e. Total fiduciary settlements, surcharges, and other loses
(sum of Memorandum items 4.a through 4.d) (sum of
columns A and B minus column C must equal
Schedule RC- T, item 24) ..........................................................

M.4.e.

Persn to whom questions about Schedule RC- T -Fiduciary and Related Service should be directed:

Name and TIe (T 89)

E-mail Adress (T 89)

Telepho: Ar coe/phne number/extnsio (T 89)

FAX: Ar coe/phone numbe (TEX_I

DRAFT

FFIEC041

PageRG-6

~

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

The management of the reporting bank may, if it wishes, submit a

All informtion furnished by the bank in the narrative statement

brief narrtive statement on the amounts reported in the Reports

must be accrate and not misleading. Appropriate effort shall be

of Condition and Income. This optional statement wil be made

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

available to the public, along with the publicly available data in

The statement must be signed, in the space provided below, by a
senior offcer of the bank who thereby attests to its accracy.

the Report of Condition and Income, in response to any request

for individual bank report data. BANKS CHOOSING TO SUBMIT
THE NARRATIVE STATEMENT SHOULD ENSURE THAT THE
STATEMENT DOES NOT CONTAIN THE NAMES OR OTHER
IDENTIFICATIONS OF INDIVIDUAL BANK CUSTOMERS 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

If, subsequent to the original submission, material changes are
submitted for the data reported in the Report of Condition and
Income, the existing narrtive statement wil be deleted from the

files, and frm disclosure; the bank, at its option, may replace it with
a statement, under signature, appropriate to the amended data.
The optional narrtive statement wil appear in agency records

make no entries of any kind in the space provided for the narrtive

and in release to the public exactly as submitted (or amended as

statement; Le., DO NOT enter in this space such phrases as "No
statement," "Not applicable; "N/A," "No comment; and "None."

descrbe in the preceing paragraph) by the management of the

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

bank (except for the truncation of statements exceeding the 750character limit descrbed above). THE STATEMENT WILL NOT BE
EDITED OR SCREENED IN ANY WAY BY THE SUPERVISORY

ment should not exceed 100 words. Further, regardles of the

AGENCIES FOR ACCURACY OR RELEVANCE. DISCLOSURE

number of words, the statement must not exceed 750 characters,
including punctuation, indentation, and standard spacing between
words and sentence. If any submission should exceed 750 characters, as defined, it wil be truncated at 750 characters with no notice
to the submitting bank and the truncated statement wil appear as
the bank's statement both on agency computerized records and in
computer-file releases to the public.

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 SUBMITIED BY
THE MANAGEMENT OF THE REPORTING BANK:

Comments? .................................................................................................................................................................1:~~:1 Yes I......il No I
BANK MANAGEMENT STATEMENT (please type or print clearly):
(TEX 89)