Form FR Y-9C FR Y-9C Consolidated Financial Statements for Bank Holding Compa

Financial Statements for Bank Holding Companies

FRY9C_20090331_f

Consolidated Financial Statements for Bank Holding Companies

OMB: 7100-0128

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FR Y– 9C
OMB Number 7100–0128
Avg. hrs. per response: 41.65
Expires February 28, 2011

Board of Governors of the Federal Reserve System

Consolidated Financial Statements for
Bank Holding Companies—FR Y-9C
Report at the close of business as of the last calendar day of the quarter
This Report is required by law: Section 5(c) of the Bank Holding Company Act (12 U.S.C. 1844) and Section 225.5(b) of
Regulation Y (12 CFR 225.5(b)).
This report form is to be filed by bank holding companies with total
consolidated assets of $500 million or more. In addition, bank holding
companies meeting certain criteria must file this report (FR Y-9C)
regardless of size. See page 1 of the general instructions for further
NOTE: Each bank holding company's board of directors and senior
management are responsible for establishing and maintaining an
effective system of internal control, including controls over the Consolidated Financial Statements for Bank Holding Companies. The
Consolidated Financial Statements for Bank Holding Companies
are to be prepared in accordance with instructions provided by the
Federal Reserve System. The Consolidated Financial Statements for
Bank Holding Companies must be signed and attested by the Chief
Financial Officer (CFO) of the reporting bank holding company (or
by the individual performing this equivalent function).

information. However, when such bank holding companies own or
control, or are owned or controlled by, other bank holding companies, only the top-tier holding company must file this report for the
consolidated holding company organization. The Federal Reserve
may not conduct or sponsor, and an organization (or a person) is not
required to respond to, a collection of information unless it displays
a currently valid OMB control number.
Date of Report:

March 31, 2009
Month / Date / Year (BHCK 9999)

I, the undersigned CFO (or equivalent) of the named bank holding
company, attest that the Consolidated Financial Statements for Bank
Holding Companies (including the supporting schedules) for this
report date have been prepared in conformance with the instructions
issued by the Federal Reserve System and are true and correct to
the best of my knowledge and belief.
Printed Name of Chief Financial Officer (or Equivalent) (BHCK C490)

Legal Title of Bank Holding Company (TEXT 9010)

Signature of Chief Financial Officer (or Equivalent)

(Mailing Address of the Bank Holding Company) Street / P.O. Box (TEXT 9110)

Date of Signature

City (TEXT 9130)

State (TEXT 9200)

Zip Code (TEXT 9220)

Bank holding companies must maintain in their files a manually signed and attested printout of the data submitted.
Person to whom questions about this report should be directed:
Name / Title (BHTX 8901)

For Federal Reserve Bank Use Only

Area Code / Phone Number (BHTX 8902)

RSSD ID
C.I.

S.F.

FAX Number (BHTX 9116)
E-mail Address of Contact (BHTX 4086)

Public reporting burden for this information collection is estimated to vary from 5.0 to 1,250 hours per response, with an average of 41.65 hours per response, including time to
gather and maintain data in the required form and to review instructions and complete the information collection. Comments regarding this burden estimate or any other aspect of
this information collection, including suggestions for reducing the burden, may be sent to Secretary, Board of Governors of the Federal Reserve System, Washington, D.C. 20551,
and to the Office of Management and Budget, Paperwork Reduction Project (7100–0128), Washington, D.C. 20503.

Report of Income for Bank Holding Companies
Report all Schedules of the Report of Income on a calendar year-to-date basis.

For Federal Reserve Bank Use Only

FR Y– 9C
Page 1

RSSD Number
S.F.

Schedule HI—Consolidated Income Statement
Dollar Amounts in Thousands BHCK
1. Interest income
a. Interest and fee income on loans:
(1) In domestic offices:
(a) Loans secured by 1–4 family residential properties .............................................
(b) All other loans secured by real estate ..................................................................
(c) All other loans .......................................................................................................
(2) In foreign offices, Edge and Agreement subsidiaries, and IBFs .................................
b. Income from lease financing receivables ..........................................................................
c. Interest income on balances due from depository institutions1 .........................................
d. Interest and dividend income on securities:
(1) U.S. Treasury securities and U.S. government agency obligations (excluding
mortgage-backed securities).......................................................................................
(2) Mortgage-backed securities ........................................................................................
(3) All other securities.......................................................................................................
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 items 1.a through 1.g) ........................................................
2. Interest expense
a. Interest on deposits:
(1) In domestic offices:
(a) Time deposits of $100,000 or more ......................................................................
(b) Time deposits of less than $100,000 ....................................................................
(c) Other deposits ......................................................................................................
(2) In foreign offices, Edge and Agreement subsidiaries, and IBFs .................................
b. Expense on federal funds purchased and securities sold under agreements to
repurchase ........................................................................................................................
c. Interest on trading liabilities and other borrowed money (excluding subordinated
notes and debentures) ......................................................................................................
d. Interest on subordinated notes and debentures and on mandatory convertible
securities ...........................................................................................................................
e. Other interest expense ......................................................................................................
f. Total interest expense (sum of items 2.a through 2.e) ......................................................
3. Net interest income (item 1.h minus item 2.f).........................................................................
4. Provision for loan and lease losses (from Schedule HI-B, part II, item 5) ..............................
5. Noninterest income:
a. Income from fiduciary activities .........................................................................................
b. Service charges on deposit accounts in domestic offices .................................................
c. Trading revenue2 ...............................................................................................................
d. (1) Fees and commissions from securities brokerage ......................................................
(2) Investment banking, advisory, and underwriting fees and commissions.....................
(3) Fees and commissions from annuity sales .................................................................
(4) Underwriting income from insurance and reinsurance activities .................................
(5) Income from other insurance activities........................................................................
e. Venture capital revenue.....................................................................................................
f. Net servicing fees ..............................................................................................................
g. Net securitization income ..................................................................................................
h. Not applicable
i. Net gains (losses) on sales of loans and leases ...............................................................
j. Net gains (losses) on sales of other real estate owned.....................................................
k. Net gains (losses) on sales of other assets (excluding securities) ....................................
l. Other noninterest income3 .................................................................................................
m. Total noninterest income (sum of items 5.a through 5.l)....................................................

Bil

Mil

Thou

4435
4436
F821
4059
4065
4115

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

B488
B489
4060
4069

1.d.(1)
1.d.(2)
1.d.(3)
1.e.

4020
4518
4107

1.f.
1.g.
1.h.

A517
A518
6761
4172

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

4180

2.b.

4185

2.c.

4397
4398
4073
4074
4230

2.d.
2.e.
2.f.
3.
4.

4070
4483
A220
C886
C888
C887
C386
C387
B491
B492
B493

5.a.
5.b.
5.c.
5.d.(1)
5.d.(2)
5.d.(3)
5.d.(4)
5.d.(5)
5.e.
5.f.
5.g.

8560
8561
B496
B497
4079

5.i.
5.j.
5.k.
5.l.
5.m.

1. Includes interest income on time certificates of deposit not held for trading.
2. For bank holding companies required to complete Schedule HI, memoranda item 9, trading revenue reported in Schedule HI, item 5.c must equal
the sum of memoranda items 9.a through 9.e.
3. See Schedule HI, memoranda item 6.

3/08

FR Y– 9C
Page 2

Schedule HI—Continued
Dollar Amounts in Thousands BHCK
6. a. Realized gains (losses) on held-to-maturity securities ......................................................
b. Realized gains (losses) on available-for-sale securities....................................................
7. Noninterest expense:
a. Salaries and employee benefits ........................................................................................
b. Expenses of premises and fixed assets (net of rental income) (excluding salaries and
employee benefits and mortgage interest) ........................................................................
c. (1) Goodwill impairment losses.........................................................................................
(2) Amortization expense and impairment losses for other intangible assets...................
d. Other noninterest expense4 ...............................................................................................
e. Total noninterest expense (sum of items 7.a through 7.d) ................................................
8. Income (loss) before income taxes and extraordinary items, and other adjustments
(sum of items 3, 5.m, 6.a, and 6.b minus items 4 and 7.e) ....................................................
9. Applicable income taxes (foreign and domestic)....................................................................
10. Income (loss) before extraordinary items and other adjustments (item 8
minus item 9)..........................................................................................................................
11. Extraordinary items and other adjustments, net of income taxes5 ......................................
12. Net income (loss) attributable to bank holding company and noncontrolling
(minority) interests (sum of items 10 and 11) .........................................................................
13. LESS: Net income (loss) attributable to noncontrolling (minority) interests
(if net income, report as a positive value; if net loss, report as a negative value) ........
14. Net income (loss) attributable to bank holding company (item 12 minus item 13). ......

Bil

Mil

Thou

3521
3196

6.a.
6.b.

4135

7.a.

4217
C216
C232
4092
4093

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

4301
4302
4484
4300
4320

8.
9.
10.
11.

G104

12.

G103
4340

13.
14.

4. See Schedule HI, memoranda item 7.
5. Describe on Schedule HI, memoranda item 8.

MEMORANDA
Dollar Amounts in Thousands BHCK
1. Net interest income (item 3 above) on a fully taxable equivalent basis .................................
2. Net income before income taxes, extraordinary items, and other adjustments (Item 8
above) on a fully taxable equivalent basis .............................................................................
3. Income on tax-exempt loans and leases to states and political subdivisions in the U.S.
(included in Schedule HI, items 1.a and 1.b, above)..............................................................
4. Income on tax-exempt securities issued by states and political subdivisions in the U.S.
(included in Schedule HI, item 1.d.(3), above) .......................................................................

Bil

Thou

M.1.

4592

M.2.

4313

M.3.

4507

M.4.

BHCK
5. Number of full-time equivalent employees at end of current period
(round to nearest whole number) ........................................................................................... 4150

6. Other noninterest income (from Schedule HI, item 5.l, above) (only report amounts greater
than $25,000 that exceed 3% of Schedule HI, item 5.l):
a. Income and fees from the printing and sale of checks ......................................................
b. Earnings on/increase in value of cash surrender value of life insurance ..........................
c. Income and fees from automated teller machines (ATMs) ................................................
d. Rent and other income from other real estate owned .......................................................
e. Safe deposit box rent ........................................................................................................
f. Net change in the fair values of financial instruments accounted for under a fair
value option .......................................................................................................................
g. Bank card and credit card interchange fees ......................................................................

Mil

4519

BHCK
C013
C014
C016
4042
C015

Number

M.5.

Bil

Mil

Thou

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

F229
F555

M.6.f.
M.6.g.

h.

TEXT
8562

8562

M.6.h.

i.

TEXT
8563

8563

M.6.i.

j.

TEXT
8564

8564

M.6.j.
3/09

FR Y– 9C
Page 3

Schedule HI—Continued
MEMORANDA (continued)
Dollar Amounts in Thousands BHCK
7. Other noninterest expense (from Schedule HI, item 7.d, above) (only report amounts
greater than $25,000 that exceed 3% of the sum of Schedule HI, item 7.d):
a. Data processing expenses ................................................................................................
b. Advertising and marketing expenses ................................................................................
c. Directors' fees ...................................................................................................................
d. Printing, stationery, and supplies.......................................................................................
e. Postage .............................................................................................................................
f. Legal fees and expenses ..................................................................................................
g. FDIC deposit insurance assessments ...............................................................................
h. Accounting and auditing expenses....................................................................................
i. Consulting and advisory expenses....................................................................................
j. Automated teller machine (ATM) and interchange expenses............................................
k. Telecommunications expenses .........................................................................................

Bil

Mil

Thou

C017
0497
4136
C018
8403
4141
4146
F556
F557
F558
F559

M.7a.
M.7.b.
M.7.c.
M.7.d.
M.7.e.
M.7.f.
M.7.g.
M.7.h.
M.7.i.
M.7.j.
M.7.k.

l.

TEXT
8565

8565

M.7.l.

m.

TEXT
8566

8566

M.7.m.

n.

TEXT
8567

8567

M.7.n.

3571

M.8.a.(1)
M.8.a.(2)

3573

M.8.b.(1)
M.8.b.(2)

3575

M.8.c.(1)
M.8.c.(2)

8. Extraordinary items and other adjustments (from Schedule HI, item 11)
(itemize all extraordinary items and other adjustments):
TEXT

a. (1) 3571
(2) Applicable income tax effect ........................... BHCK 3572
TEXT

b. (1) 3573
(2) Applicable income tax effect ........................... BHCK 3574
TEXT

c. (1) 3575
(2) Applicable income tax effect ........................... BHCK 3576

9. Trading revenue (from cash instruments and derivative instruments) (Sum of items 9.a
through 9.e must equal Schedule HI, item 5.c.)
(To be completed by bank holding companies that reported average trading assets
(Schedule HC-K, item 4.a) of $2 million or more for any quarter of the preceding
calendar year):
a. Interest rate exposures...................................................................................................... 8757
b. Foreign exchange exposures ............................................................................................ 8758
c. Equity security and index exposures ................................................................................. 8759
d. Commodity and other exposures ...................................................................................... 8760
e. Credit exposures ............................................................................................................... F186
10. Net gains (losses) recognized in earnings on credit derivatives that economically hedge
credit exposures held outside the trading account:
a. Net gains (losses) on credit derivatives held for trading.................................................... C889
b. Net gains (losses) on credit derivatives held for purposes other than trading................... C890
11. Credit losses on derivatives (see instructions) ....................................................................... A251
Memorandum item 12 is to be completed by bank holding companies with $1 billion or
more in total assets.1
12. a. Income from the sale and servicing of mutual funds and annuities (in domestic offices) . 8431
b. (1) Premiums on insurance related to the extension of credit .......................................... C242
(2) All other insurance premiums ..................................................................................... C243
c. Benefits, losses, and expenses from insurance-related activities ..................................... B983
13. Does the reporting bank holding company have a Subchapter S election in effect for
BHCK
federal income tax purposes for the current tax year? (Enter “1” for yes; enter “0”
for no) ............................................................................................................................................................ A530

M.9.a.
M.9.b.
M.9.c.
M.9.d.
M.9.e.

M.10.a.
M.10.b.
M.11.

M.12.a.
M.12.b.(1)
M.12.b.(2)
M.12.c.

M.13.

1. The $1 billion asset size test is generally based on the total assets reported as of June 30, 2008.
3/09

FR Y– 9C
Page 4

Schedule HI—Continued
MEMORANDA (continued)
Dollar Amounts in Thousands BHCK
Memorandum item 14 is to be completed by bank holding companies that have elected to
account for assets and liabilities under a fair value option.
14. Net gains (losses) recognized in earnings on assets and liabilities that are reported at
fair value under a fair value option:
a. Net gains (losses) on assets .............................................................................................
(1) Estimated net gains (losses) on loans attributable to changes in instrumentspecific credit risk........................................................................................................
b. Net gains (losses) on liabilities ..........................................................................................
(1) Estimated net gains (losses) on liabilities attributable to changes in
instrument-specific credit risk......................................................................................
15. Stock-based employee compensation expense (net of tax effects) calculated for all
awards under the fair value method .......................................................................................

Bil

Mil

Thou

F551

M.14.a.

F552
F553

M.14.a.(1)
M.14.b.

F554

M.14.b.(1)

C409

M.15.

Memorandum item 16 is to be completed by bank holding companies that are required to
BHCK
complete Schedule HC-C, Memorandum items 6.b and 6.c.
16. Noncash income from negative amortization on closed-end loans secured by 1–4 family
residential properties (included in Schedule HI, item 1.a.(1)(a)) ............................................ F228

Year-to-date
Bil

Mil

Thou

M.16.

Schedule HI-A—Changes in Bank Holding Company Equity Capital
Dollar Amounts in Thousands BHCK

Bil

Mil

Thou

1. Total bank holding company equity capital most recently reported for the end of previous
calendar year (i.e., after adjustments from amended Reports of Income) ............................. 3217
2. Restatements due to corrections of material accounting errors and changes in
accounting principles.............................................................................................................. B507
3. Balance end of previous calendar year as restated (sum of items 1 and 2) .......................... B508

1.
2.
3.

bhct

4. Net income (loss) attributable to bank holding company (must equal Schedule HI,
item 14). .................................................................................................................................
5. Sale of perpetual preferred stock (excluding treasury stock transactions):
a. Sale of perpetual preferred stock, gross ...........................................................................
b. Conversion or retirement of perpetual preferred stock ......................................................
6. Sale of common stock:
a. Sale of common stock, gross ............................................................................................
b. Conversion or retirement of common stock.......................................................................
7. Sale of treasury stock.............................................................................................................
8. LESS: Purchase of treasury stock .........................................................................................
9. Changes incident to business combinations, net ...................................................................
10. LESS: Cash dividends declared on preferred stock...............................................................
11. LESS: Cash dividends declared on common stock ...............................................................
12. Other comprehensive income1 ...............................................................................................
13. Change in the offsetting debit to the liability for Employee Stock Ownership Plan
(ESOP) debt guaranteed by the bank holding company ........................................................
14. Other adjustments to equity capital (not included above) ......................................................
15. Total bank holding company equity capital end of current period (sum of items 3, 4, 5, 6,
7, 9, 12, 13, and 14, less items 8, 10, and 11) (must equal item 27.a on
Schedule HC ) ........................................................................................................................

4340
BHCK
3577
3578

5.a.
5.b.

3579
3580
4782
4783
4356
4598
4460
B511

6.a.
6.b.
7.
8.
9.
10.
11.
12.

4591
3581
bhct

13.
14.

3210

15.

4.

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

3/09

FR Y– 9C
Page 5

Schedule HI-B—Charge-Offs and Recoveries on Loans and
Leases and Changes in Allowance for Loan and Lease Losses
(Column B)
Recoveries

(Column A)
Charge-offs1

Dollar Amounts in Thousands BHCK
I.

Bil

Mil

Thou

BHCK

Bil

Mil

Thou

Charge-offs and Recoveries on Loans and Leases
(Fully Consolidated)

1. Loans secured by real estate:
a. Construction, land development, and other land loans
in domestic offices:
(1) 1–4 family residential construction loans .....................
(2) Other construction loans and all land
development and other land loans ...............................
b. Secured by farmland in domestic offices...........................
c. Secured by 1–4 family residential properties in domestic
offices:
(1) Revolving, open-end loans secured by 1–4 family
residential properties and extended under lines of
credit ...........................................................................
(2) Closed-end loans secured by 1–4 family residential
properties in domestic offices:
(a) Secured by first liens ............................................
(b) Secured by junior liens .........................................
d. Secured by multifamily (5 or more) residential
properties in domestic offices ............................................
e. Secured by nonfarm nonresidential properties in
domestic offices:
(1) Loans secured by owner-occupied nonfarm
nonresidential properties..............................................
(2) Loans secured by other nonfarm nonresidential
properties .....................................................................
f. In foreign offices ................................................................
2. Loans to depository institutions and acceptances of other
banks:
a. To U.S. banks and other U.S. depository institutions ........
b. To foreign banks ................................................................
3. Loans to finance agricultural production and other loans
to farmers ..............................................................................
4. Commercial and industrial loans:
a. To U.S. addressees (domicile) ..........................................
b. To non-U.S. addressees (domicile) ...................................
5. Loans to individuals for household, family, and other
personal expenditures:
a. Credit cards .......................................................................
b. Other (includes single payment, installment, all student
loans, and revolving credit plans other than credit cards) .
6. Loans to foreign governments and official institutions ...........
7. All other loans ........................................................................
8. Lease financing receivables:
a. Leases to individuals for household, family, and
other personal expenditures ..............................................
b. All other leases ..................................................................
9. Total (sum of items 1 through 8).............................................

C891

C892

1.a.(1)

C893
3584

C894
3585

1.a.(2)
1.b.

5411

5412

1.c.(1)

C234
C235

C217
C218

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

3588

3589

1.d.

C895

C896

1.e.(1)

C897
B512

C898
B513

1.e.(2)
1.f.

4653
4654

4663
4664

2.a.
2.b.

4655

4665

3.

4645
4646

4617
4618

4.a.
4.b.

B514

B515

5.a.

B516
4643
4644

B517
4627
4628

5.b.
6.
7.

F185
C880
4635

F187
F188
4605

8.a.
8.b.
9.

1. Include write-downs arising from transfers to a held-for-sale account.
3/07

FR Y– 9C
Page 6

Schedule HI-B—Continued
MEMORANDA
(Column B)
Recoveries

(Column A)
Charge-offs1

Calendar year-to-date

Dollar Amounts in Thousands BHCK
1. Loans to finance commercial real estate, construction, and
land development activities (not secured by real estate)
included in Schedule HI-B, part I, items 4 and 7 above .........
2. Loans secured by real estate to non-U.S. addressees
(domicile) (included in Schedule HI-B, part I, item 1, above) .

Bil

Mil

Thou

BHCK

Bil

Mil

Thou

5409

5410

M.1.

4652

4662

M.2.

Memorandum item 3 is to be completed by (1) bank holding companies that, together with
affiliated institutions, have outstanding credit card receivables (as defined in the instructions)
that exceed $500 million as of the report date or (2) bank holding companies that on a
Calendar year-to-date
consolidated basis are credit card specialty holding companies (as defined in the instructions).
BHCK
Bil
Mil
Thou
3. Uncollectible retail credit card fees and finance charges reversed against income
(i.e., not included in charge-offs against the allowance for loan and lease losses) ............... C388

Dollar Amounts in Thousands BHCK

Bil

Mil

M.3.

Thou

II. Changes in allowance for loan and lease losses
1. Balance most recently reported at end of previous year (i.e., after adjustments from
amended Reports of Income)................................................................................................. B522
2. Recoveries (must equal Schedule HI-B, part I, item 9, column B, above) .............................
3. LESS: Charge-offs (must equal Schedule HI-B, part I, item 9, column A above less
Schedule HI-B, part II, item 4) ................................................................................................
4. Less: Write-downs arising from transfers of loans to a held-for-sale account .......................
5. Provision for loan and lease losses (must equal Schedule HI, item 4) ..................................
6. Adjustments (see instructions for this schedule) ....................................................................
7. Balance at end of current period (sum of items 1, 2, 5, and 6, less items 3 and 4)
(must equal Schedule HC, item 4.c) .....................................................................................

bhct
4605
BHCK
C079
5523
bhct
4230
BHCK
C233
bhct
3123

1.
2.
3.
4.
5.
6.
7.

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

3/07

FR Y– 9C
Page 7

Schedule HI-B—Continued
MEMORANDA
Dollar Amounts in Thousands BHCK
1. Allocated transfer risk reserve included in Schedule HI-B, part II, item 7...............................

Bil

Mil

Thou

C435

M.1.

Memoranda items 2 and 3 are to be completed by (1) bank holding companies that, together
with affiliated institutions, have outstanding credit card receivables (as defined in the
instructions) that exceed $500 million as of the report date or (2) bank holding companies that
on a consolidated basis are credit card specialty holding companies (as defined in the
instructions).
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 (included in Schedule HC, item 4.c and Schedule HI-B,
part II, item 7) ......................................................................................................................... C390
Memorandum item 4 is to be completed by all bank holding companies.
4. Amount of allowance for post-acquisition losses on purchased impaired loans accounted
for in accordance with AICPA Statement of Position 03-3 (included in Schedule HI-B,
part II, item 7, above) ............................................................................................................. C781

M.2.

M.3.

M.4.

Notes to the Income Statement—Predecessor Financial Items
For bank holding companies involved in a business combination(s) during the quarter, provide on the lines below income
statement information for any acquired company(ies) with aggregrated assets of $10 billion or more or 5 percent of the
reporting bank holding company's total consolidated assets as of the previous quarter-end, whichever is less. Information
should be reported year-to-date of acquisition.
Dollar Amount in Thousands BHBC
1. Total interest income ..............................................................................................................
a. Interest income on loans and leases .................................................................................
b. Interest income on investment securities ..........................................................................
2. Total interest expense ............................................................................................................
a. Interest expense on deposits ............................................................................................
3. Net interest income ................................................................................................................
4. Provision for loan and lease losses........................................................................................
5. Total noninterest income ........................................................................................................
a. Income from fiduciary activities .........................................................................................
b. Trading revenue ................................................................................................................
c. Investment banking, advisory, brokerage, and underwriting fees and commissions.........
d. Venture capital revenue.....................................................................................................
e. Net securitization income ..................................................................................................
f. Insurance commissions and fees ......................................................................................
6. Realized gains (losses) on held-to-maturity and available-for-sale securities .......................
7. Total noninterest expense ......................................................................................................
a. Salaries and employee benefits ........................................................................................
b. Goodwill impairment losses...............................................................................................
8. Income (loss) before taxes, extraordinary items, and other adjustments...............................
9. Applicable income taxes ........................................................................................................
10. Noncontrolling (minority) interest ...........................................................................................
11. Extraordinary items, net of applicable income taxes and minority interest ............................
12. Net income (loss) ...................................................................................................................
13. Cash dividends declared ........................................................................................................
14. Net charge-offs.......................................................................................................................
15. Net interest income (item 3 above) on a fully taxable equivalent basis .................................

4107
4094
4218
4073
4421
4074
4230
4079
4070
A220
B490
B491
B493
B494
4091
4093
4135
C216
4301
4302
4484
4320
4340
4475
6061
4519

Bil

Mil

Thou

1.
1.a.
1.b.
2.
2.a.
3.
4.
5.
5.a.
5.b.
5.c.
5.d.
5.e.
5.f.
6.
7.
7.a.
7.b.
8.
9.
10.
11.
12.
13.
14.
15.

3/07

FR Y– 9C
Page 8

Notes to the Income Statement—Other
Enter in the lines provided below any additional information on specific line items on the income statement or to its schedules that
the bank holding company wishes to explain, that has been separately disclosed in the bank holding company's quarterly reports
to its shareholders, in its press releases, or on its quarterly reports to the Securities and Exchange Commission (SEC). Exclude
any transactions that have been separately disclosed under the reporting requirements specified in memoranda items 6 through 8
to Schedule HI, the Consolidated Income Statement.
Also include any transactions which previously would have appeared as footnotes to Schedules HI through HI-B.
Each additional piece of information disclosed should include the appropriate reference to schedule and item number, as well as a description
of the additional information and the dollar amount (in thousands of dollars) associated with that disclosure.

Example
A bank holding company has received $1.35 million of back interest on loans and leases that are currently in nonaccrual status. The
holding company's interest income for the quarter shows that increase which has been disclosed in the report to the stockholders and to
the SEC. Enter on the line item below the following information:
TEXT
0000

BHCK

Bil

Mil

Thou

1

350

Mil

Thou

Sch. HI, item 1.a(1), Recognition of interest payments on
nonaccrual loans to XYZ country
0000

Notes to the Income Statement—Other
TEXT
1. 5351

2.

5352

3.

5353

4.

5354

5.

5355

6.

B042

7.

B043

8.

B044

9.

B045

10.

B046

Dollar Amount in Thousands BHCK

Bil

5351

1.

5352

2.

5353

3.

5354

4.

5355

5.

B042

6.

B043

7.

B044

8.

B045

9.

B046

10.

3/09

FR Y– 9C
Page 9

Notes to the Income Statement—Other, Continued
TEXT

Dollar Amount in Thousands BHCK

Bil

Mil

Thou

11. B047
B047

11.

B048

12.

B049

13.

B050

14.

B051

15.

B052

16.

B053

17.

B054

18.

B055

19.

B056

20.

12. B048

13. B049

14. B050

15. B051

16. B052

17. B053

18. B054

19. B055

20. B056

3/03

FR Y– 9C
Page 10
For Federal Reserve Bank Use Only
C.I.

Name of Bank Holding Company

Consolidated Financial Statements for Bank Holding Companies
Report at the close of business

Schedule HC—Consolidated Balance Sheet
Dollar Amounts in Thousands BHCK
ASSETS
1. Cash and balances due from depository institutions:
a. Noninterest-bearing balances and currency and coin1 ......................................................
2
b. Interest-bearing balances:
(1) In U.S. offices..............................................................................................................
(2) In foreign offices, Edge and Agreement subsidiaries, and IBFs .................................
2. Securities:
a. Held-to-maturity securities (from Schedule HC-B, column A) ...........................................
b. Available-for-sale securities (from Schedule HC-B, column D) .........................................
3. Federal funds sold and securities purchased under agreements to resell:
a. Federal funds sold in domestic offices .................................................................. BHDM
3
b. Securities purchased under agreements to resell ................................................ BHCK
4. Loans and lease financing receivables:
a. Loans and leases held for sale..........................................................................................
b. Loans and leases, net of unearned income ...................... B528
c. LESS: Allowance for loan and lease losses ...................... 3123
d. Loans and leases, net of unearned income and allowance for loan and lease losses
(item 4.b minus 4.c) ...........................................................................................................
5. Trading assets (from Schedule HC-D) ...................................................................................
6. Premises and fixed assets (including capitalized leases) ......................................................
7. Other real estate owned (from Schedule HC-M) ....................................................................
8. Investments in unconsolidated subsidiaries and associated companies ...............................
9. Not applicable
10. Intangible assets:
a. Goodwill.............................................................................................................................
b. Other intangible assets (from Schedule HC-M).................................................................
11. Other assets (from Schedule HC-F).......................................................................................
12. Total assets (sum of items 1 through 11) ...............................................................................

Bil

Mil

Thou

0081

1.a.

0395
0397

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

1754
1773

2.a.
2.b.

B987
B989

3.a.
3.b.

5369

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

B529
3545
2145
2150
2130

4.d.
5.
6.
7.
8.

3163
0426
2160
2170

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

1. Includes cash items in process of collection and unposted debits.
2. Includes time certificates of deposit not held for trading.
3. Includes all securities resale agreements in domestic and foreign offices, regardless of maturity.

3/06

FR Y– 9C
Page 11

Schedule HC—Continued
Dollar Amounts in Thousands BHDM

Bil

Mil

Thou

LIABILITIES
13. Deposits:
a. In domestic offices (from Schedule HC-E):
(1) Noninterest-bearing1 ................................................................................................... 6631
(2) Interest-bearing ........................................................................................................... 6636

13.a.(1)
13.a.(2)

BHFN
b. In foreign offices, Edge and Agreement subsidiaries, and IBFs:
(1) Noninterest-bearing .................................................................................................... 6631
(2) Interest-bearing ........................................................................................................... 6636

13.b.(1)
13.b.(2)

BHCK

14. Federal funds purchased and securities sold under agreements to repurchase:
a. Federal funds purchased in domestic offices2 ....................................................... BHDM
b. Securities sold under agreements to repurchase3................................................. BHCK
15. Trading liabilities (from Schedule HC-D) ................................................................................
16. Other borrowed money (includes mortgage indebtedness and obligations under
capitalized leases) (from Schedule HC-M).............................................................................
17. Not applicable
18. Not applicable
19. a. Subordinated notes and debentures4 ................................................................................
b. Subordinated notes payable to unconsolidated trusts issuing trust preferred securities,
and trust preferred securities issued by consolidated special purpose entities ................
20. Other liabilities (from Schedule HC-G) ...................................................................................
21. Total liabilities (sum of items 13 through 20) ..........................................................................
22. Not applicable
EQUITY CAPITAL
Bank Holding Company Equity Capital
23. Perpetual preferred stock and related surplus .......................................................................
24. Common stock (par value) .....................................................................................................
25. Surplus (exclude all surplus related to preferred stock) .........................................................
26. a. Retained earnings .............................................................................................................
b. Accumulated other comprehensive income5 .....................................................................
c. Other equity capital components6.....................................................................................
27. a. Total bank holding company equity capital (sum of items 23
through 26.c) .....................................................................................................................
b. Noncontrolling (minority) interests in consolidated subsidiaries ..............................
28. Total equity capital (sum of items 27.a and 27.b) ...................................................................
29. Total liabilities and equity capital (sum of items 21 and 28) ...................................................

B993
B995
3548

14.a.
14.b.
15.

3190

16.

4062

19.a.

C699
2750
2948

19.b.
20.
21.

3283
3230
3240
3247
B530
A130

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

3210
3000
G105
3300

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

MEMORANDA (to be completed annually by bank holding companies for the December 31 report date)
BHCK

1. Has the bank holding company engaged in a full-scope independent external audit at any time during the
calendar year? (Enter “1” for yes, enter “0” for no) ........................................................................................
2. If response to Memoranda item 1 is yes, indicate below the name and address of the bank holding
company's independent external auditing firm (see instructions), and the name and e-mail address of the
auditing firm's engagement partner.7
a.

(1) Name of External Auditing Firm (TEXT C703)

(2) City (TEXT C708)

(3) State Abbrev. (TEXT C714)

b.

C884

M.1.

(1) Name of Engagement Partner (TEXT C704)

(2) E-mail Address (TEXT C705)

(4) Zip Code (TEXT C715)

1.
2.
3.
4.
5.

Includes total demand deposits and noninterest-bearing time and savings deposits.
Report overnight Federal Home Loan Bank advances in Schedule HC, item 16, "Other borrowed money."
Includes all securities repurchase agreements in domestic and foreign offices regardless of maturity.
Includes limited-life preferred stock and related surplus.
Includes net unrealized holding gains (losses) on available-for-sale securities, accumulated net gains (losses) on cash flow hedges,
cumulative foreign currency translation adjustments, and minimum pension liability adjustments.
6. Includes treasury stock and unearned Employee Stock Ownership Plan shares.
7. The Federal Reserve regards information submitted in response to Memorandum item 2.b. as confidential.

3/09

FR Y–9C
Page 12

Schedule HC-B—Securities
Held-to-Maturity
(Column B)
(Column A)
Fair Value
Amortized Cost
Dollar Amounts in Thousands BHCK
1. U.S. Treasury securities ..........................
2. U.S. government agency obligations
(exclude mortgage-backed securities):
a. Issued by U.S. government
agencies1 ............................................
b. Issued by U.S. governmentsponsored agencies2 ..........................
3. Securities issued by states and
political subdivisions in the U.S. ..............
4. Mortgage-backed securities (MBS)
a. Pass-through securities:
(1) Guaranteed by GNMA ..................
(2) Issued by FNMA and FHLMC .......
(3) Other pass-through securities.......
b. Other mortgage-backed securities
(include CMOs, REMICs, and
stripped MBS):
(1) Issued or guaranteed by
FNMA, FHLMC, or GNMA ............
(2) Collateralized by MBS issued
or guaranteed by FNMA,
FHLMC, or GNMA.........................
(3) All other mortgage-backed
securities.......................................
5. Asset-backed securities (ABS)................
6. Other debt securities:
a. Other domestic debt securities ...........
b. Foreign debt securities .......................

Bil

Mil

Thou

BHCK

Bil

Mil

Available-for-Sale
(Column C)
(Column D)
Amortized Cost
Fair Value
Thou

BHCK

Bil

Mil

Thou

BHCK

Bil

Mil

Thou

0211

0213

1286

1287

1.

1289

1290

1291

1293

2.a.

1294

1295

1297

1298

2.b.

8496

8497

8498

8499

3.

1698
1703
1709

1699
1705
1710

1701
1706
1711

1702
1707
1713

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

1714

1715

1716

1717

4.b.(1)

1718

1719

1731

1732

4.b.(2)

1733
C026

1734
C988

1735
C989

1736
C027

4.b.(3)
5.

1737
1742

1738
1743

1739
1744

1741
1746

6.a.
6.b.

1. Includes Small Business Administration "Guaranteed Loan Pool Certificates," U.S. Maritime Administration obligations, and Export–Import Bank participation certificates.
2. Includes obligations (other than mortgage-backed securities) issued by the Farm Credit System, the Federal Home Loan Bank System, the Federal Home Loan Mortgage
Corporation, the Federal National Mortgage Association, the Financing Corporation, Resolution Funding Corporation, the Student Loan Marketing Association, and the
Tennessee Valley Authority.

3/06

Schedule HC-B—Continued

FR Y– 9C
Page 13

Held-to-Maturity
(Column A)
(Column B)
Amortized Cost
Fair Value
Dollar Amounts in Thousands BHCK

Bil

Mil

Thou

7. Investments in mutual funds and
other equity securities with readily
determinable fair values .........................
8. Total (sum of 1 through 7) (total of
column A must equal Schedule HC,
bhct
item 2.a) (total of column D must equal
1754
Schedule HC, item 2.b) ..........................

BHCK

Bil

Mil

Available-for-Sale
(Column C)
(Column D)
Amortized Cost
Fair Value1
Thou

1771

MEMORANDA

BHCK

Bil

Mil

Thou

1.
2.
3.
4.

B838
B842
B846
B850
B854
B858

Mil

Thou

BHCK

Bil

Mil

B839
B843
B847
B851
B855
B859

Includes held-to-maturity securities at amortized cost and available-for-sale securities at fair value.
Exclude investments in mutual funds and other equity securities with readily determinable fair values.
Report fixed rate debt securities by remaining maturity and floating debt securities by next repricing date.
The $1 billion asset size test is generally based on the total assets reported as of June 30, 2008.

Thou

7.

1772

bhct
1773

8.

Held-to-Maturity
(Column A)
(Column B)
Amortized Cost
Fair Value
Bil

Mil

A511

Dollar Amounts in Thousands BHCK

BHCK

Bil

A510

1. Pledged securities1..................................................................................................................................................................................
2. Remaining maturity or next repricing date of debt securities2,3 (Schedule HC-B, items 1 through 6.b in columns A and D above):
a. 1 year and less ...................................................................................................................................................................................
b. Over 1 year to 5 years ........................................................................................................................................................................
c. Over 5 years .......................................................................................................................................................................................
3. Amortized cost of held-to-maturity securities sold or transferred to available-for-sale or trading securities during the calendar
year-to-date (report the amortized cost at date of sale or transfer).........................................................................................................
4. Structured notes (included in the held-to-maturity and available-for-sale accounts in Schedule HC-B, items 2, 3, 5, and 6):
a. Amortized cost ....................................................................................................................................................................................
b. Fair value ............................................................................................................................................................................................

Dollar Amounts in Thousands
Memorandum item 5 is to be completed
by bank holding companies with total
assets over $1 billion or with foreign
offices.4
5. Asset-backed securities (ABS) (sum
of Memorandum items 5.a through 5.f
must equal Schedule HC-B, item 5):
a. Credit card receivables.......................
b. Home equity lines ...............................
c. Automobile loans ................................
d. Other consumer loans ........................
e. Commercial and industrial loans ........
f. Other ..................................................

BHCK

Bil

Mil

Thou

0416

M.1.

0383
0384
0387

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

1778

M.3.

8782
8783

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

Available-for-Sale
(Column C)
(Column D)
Amortized Cost
Fair Value1
Thou

BHCK

B840
B844
B848
B852
B856
B860

Bil

Mil

Thou

BHCK

B841
B845
B849
B853
B857
B861

Bil

Mil

Thou

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

3/06

FR Y– 9C
Page 14

Schedule HC-C—Loans and Lease Financing Receivables
Do not deduct the allowance for loan and lease losses from amounts reported in this schedule. Report (1) loans and leases
held for sale at the lower of cost or fair value, (2) loans and leases held for investment, net of unearned income, and (3) loans
and leases accounted for at fair value under a fair value option. Exclude assets held for trading and commercial paper.
(Column B)
In Domestic Offices

(Column A)
Consolidated

Dollar Amounts in Thousands
1. Loans secured by real estate .................................................
a. Construction, land development, and other land loans:
(1) 1–4 family residential construction loans .....................
(2) Other construction loans and all land
development and other land loans ...............................

2.

3.
4.

5.
6.

7.
8.
9.

10.

11.
12.

b. Secured by farmland .........................................................
c. Secured by 1–4 family residential properties:
(1) Revolving, open-end loans secured by 1–4 family
residential properties and extended under lines of
credit ...........................................................................
(2) Closed-end loans secured by 1–4 family residential
properties:
(a) Secured by first liens ............................................
(b) Secured by junior liens .........................................
d. Secured by multifamily (5 or more) residential
properties ..........................................................................
e. Secured by nonfarm nonresidential properties:
(1) Loans secured by owner-occupied nonfarm
nonresidential properties..............................................
(2) Loans secured by other nonfarm nonresidential
properties .....................................................................
Loans to depository institutions and acceptances of other
banks ....................................................................................
a. To U.S. banks and other U.S. depository institutions ........
b. To foreign banks ................................................................
Loans to finance agricultural production and other loans to
farmers ...................................................................................
Commercial and industrial loans ............................................
a. To U.S. addressees (domicile) ..........................................
b. To non-U.S. addressees (domicile) ...................................
Not applicable
Loans to individuals for household, family, and other
personal expenditures (i.e., consumer loans) (includes
purchased paper) ...................................................................
a. Credit cards ......................................................................
b. Other revolving credit plans...............................................
c. Other consumer loans (includes single payment,
installment, and all student loans) .....................................
Loans to foreign governments and official institutions
(including foreign central banks) ............................................
Not applicable
a. Loans for purchasing and carrying securities (secured
and unsecured) .................................................................
b. All other loans....................................................................
Lease financing receivables (net of unearned income)..........
a. Leases to individuals for household, family, and
other personal expenditures (i.e., consumer leases) ........
b. All other leases ..................................................................
LESS: Any unearned income on loans reflected in
items 1–9 above .....................................................................
Total (sum of items 1 through 10 minus item 11)
(total of column A must equal Schedule HC, sum of
items 4.a and 4.b) ..................................................................

BHCK

Bil

Mil

Thou

BHDM

1410

Mil

Thou

1.
BHCK
F158

1.a.(1)

F159
BHDM
1420

1.a.(2)

1797

1.c.(1)

5367
5368

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

1460

1.d.

BHCK
F160

1.e.(1)

F161
BHDM
1288
1292
1296
1590

Bil

1.b.

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

1590
1766

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

1975
B538
B539

6.
6.a.
6.b.

2011

6.c.

1763
1764

2081

2081

7.

1545
1564

1545
1564
2165

9.a.
9.b.
10.

F162
F163

10.a.
10.b.

2123

2123

11.

2122

2122

12.

3/07

FR Y– 9C
Page 15

Schedule HC-C—Continued
MEMORANDA
Dollar Amounts in Thousands
1. Loans and leases restructured and in compliance with modified terms (included in
Schedule HC-C, above and not reported as past due or nonaccrual in Schedule HC-N,
memorandum item 1):
a. Loans secured by 1–4 family residential properties in domestic offices............................
b. Other loans and all other leases (exclude loans to individuals for household,
family, and other personal expenditures) ..........................................................................
2. Loans to finance commercial real estate, construction, and land development activities
(not secured by real estate) included in Schedule HC-C, items 4 and 9, column A,
above .....................................................................................................................................
3. Loans secured by real estate to non-U.S. addressees (domicile) (included in
Schedule HC-C, item 1, column A) ........................................................................................

BHDM

F576
BHCK
1616

Bil

Mil

Thou

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

BHCK
2746

M.2.

B837

M.3.

Memorandum item 4 is to be completed by (1) bank holding companies that, together
with affiliated institutions, have outstanding credit card receivables (as defined in the
instructions) that exceed $500 million as of the report date or (2) bank holding companies
that on a consolidated basis are credit card specialty holding companies (as defined in
the instructions)
4. Outstanding credit card fees and finance charges (included in Schedule HC-C,
item 6.a, column A) ................................................................................................................ C391

M.4.

Memorandum item 5 is to be completed by all bank holding companies.
5. Purchased impaired loans held for investment accounted for in accordance with AICPA
Statement of Position 03-3 (exclude loans held for sale):
a. Outstanding balance ......................................................................................................... C779
b. Carrying amount included in Schedule HC-C, items 1 through 9 ...................................... C780
6. Closed-end loans with negative amortization features secured by 1–4 family
residential properties in domestic offices:
a. Total carrying amount of closed-end loans with negative amortization features secured
by 1–4 family residential properties (included in Schedule HC-C, items
1.c.(2)(a) and (b)) .............................................................................................................. F230
Memorandum items 6.b and 6.c are to be completed by bank holding companies that
had closed-end loans with negative amortization features secured by 1–4 family
residential properties (as reported in Schedule HC-C, Memorandum item 6.a) as of
December 31, 2008, that exceeded the lesser of $100 million or 5 percent of total loans
and leases, net of unearned income, in domestic offices (as reported in Schedule HC-C,
item 12, column B).
b. Total maximum remaining amount of negative amortization contractually
permitted on closed-end loans secured by 1–4 family residential properties ....................
c. Total amount of negative amortization on closed-end loans secured by 1–4 family
residential properties included in the carrying amount reported in Memorandum
item 6.a above ...................................................................................................................
7.–8. Not applicable.
9. Loans secured by 1–4 family residential properties in domestic offices in
process of foreclosure (included in Schedule HC-C, items 1.c.(1), 1.c.(2)(a), and
1.c.(2)(b)) ...............................................................................................................................

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

M.6.a.

F231

M.6.b.

F232

M.6.c.

BHDM
F577

M.9.

3/08

FR Y– 9C
Page 16

Schedule HC-C—Continued
MEMORANDA (continued)
Memorandum items 10 and 11 are to be completed by bank holding companies that have elected to measure loans
included in Schedule HC-C, items 1 through 9, at fair value under a fair value option.
(Column B)
Domestic Offices

(Column A)
Consolidated

Dollar Amounts in Thousands
10. Loans measured at fair value:
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:
(i) Secured by first liens ....................................
(ii) Secured by junior liens .................................
(4) Secured by multifamily (5 or more) residential
properties ..................................................................
(5) Secured by nonfarm nonresidential properties .........
b. Commercial and industrial loans .....................................
c. Loans to individuals for household, family, and
other personal expenditures (i.e., consumer loans)
(includes purchased paper):
(1) Credit cards...............................................................
(2) Other revolving credit plans ......................................
(3) Other consumer loans (includes single
payment, installment, and all student loans) .............
d. Other loans .....................................................................
11. Unpaid principal balances of loans measured at fair
value (reported in memorandum item 10):
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:
(i) Secured by first liens ....................................
(ii) Secured by junior liens .................................
(4) Secured by multifamily (5 or more) residential
properties ..................................................................
(5) Secured by nonfarm nonresidential properties .........
b. Commercial and industrial loans .....................................
c. Loans to individuals for household, family, and
other personal expenditures (i.e., consumer loans)
(includes purchased paper):
(1) Credit cards...............................................................
(2) Other revolving credit plans ......................................
(3) Other consumer loans (includes single
payment, installment, and all student loans) .............
d. Other loans ......................................................................

BHCK

Bil

Mil

Thou

BHDM

F608

Bil

Mil

Thou

M.10.a.
F578

M.10.a.(1)

F579

M.10.a.(2)

F580

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

F581
F582

M.10.a.(3)(b)(i)
M.10.a.(3)(b)(ii)

F585

F583
F584
F585

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

F586
F587

F586
F587

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

F588
F589

F588
F589

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

F609

M.11.a.
F590

M.11.a.(1)

F591

M.11.a.(2)

F592

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

F593
F594

M.11.a.(3)(b)(i)
M.11.a.(3)(b)(ii)

F597

F595
F596
F597

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

F598
F599

F598
F599

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

F600
F601

F600
F601

M.11.c.(3)
M.11.d.
3/08

FR Y– 9C
Page 17

Schedule HC-C—Continued
MEMORANDA (continued)

(Column A)
Fair value of acquired
loans and leases at
acquisition date

12. Loans (not subject to the
requirements of AICPA
Statement of Position 03-3)
and leases held for investment that are acquired in
business combinations
with acquisition dates in
the current calendar year:
a. Loans secured by
real estate ........................
b. Commercial and industrial loans...........................
c. Loans to individuals for
household, family, and
other personal expenditures ...............................
d. All other loans and all
leases .............................

BHCK
G091

Bil

Mil

Thou

(Column B)
Gross contractual
amounts receivable at
acquisition

BHCK
G092

Bil

Mil

Thou

(Column C)
Best estimate at
acquisition date of
contractual cash flows not
expected to be collected

BHCK
G093

Bil

Mil

Thou

M.12.a.

G094

G095

G096

M.12.b.

G097

G098

G099

M.12.c.

G100

G101

G102

M.12.d.

3/09

FR Y– 9C
Page 18

Schedule HC-D—Trading Assets and Liabilities
Schedule HC-D is to be completed by bank holding companies that reported average trading assets
(Schedule HC-K, item 4.a) of $2 million or more in any of the four preceding quarters.

BHCM

ASSETS
1. U.S. Treasury securities .......................................................
2. U.S. government agency obligations (exclude
mortgage-backed securities) ................................................
3. Securities issued by states and political subdivisions in
the U.S. ................................................................................
4. Mortgage-backed securities (MBS):
a. Pass-through securities issued or guaranteed by
FNMA, FHLMC, or GNMA ...............................................
b. Other mortgage-backed securities issued or
guaranteed by FNMA, FHLMC, or GNMA (include
CMOs, REMICs, and stripped MBS) ...............................
c. All other mortgage-backed securities ..............................
5. Other debt securities ............................................................
6. Loans:
a. Loans secured by real estate ..........................................
(1) Construction, land development, and other land
loans .........................................................................
(2) Secured by farmland (including farm residential
and other improvements) ..........................................
(3) Secured by 1–4 family residential properties:
(a) Revolving, open-end loans secured by 1–4
family residential properties and extended
under lines of credit ............................................
(b) Closed-end loans secured by 1–4 family
residential properties:
(i) Secured by first liens ....................................
(ii) Secured by junior liens .................................
(4) Secured by multifamily (5 or more) residential
properties ..................................................................
(5) Secured by nonfarm nonresidential properties .........
b. Commercial and industrial loans .....................................
c. Loans to individuals for household, family, and
other personal expenditures (i.e., consumer loans)
(includes purchased paper):
(1) Credit cards...............................................................
(2) Other revolving credit plans ......................................
(3) Other consumer loans (includes single
payment, installment, and all student loans) .............
d. Other loans ...................................................................
7.–8. Not applicable

Bil

Mil

Thou

BHCK

Bil

Mil

Thou

3531

3531

1.

3532

3532

2.

3533

3533

3.

3534

3534

4.a.

3535
3536
3537
BHCK
F610

3535
3536
3537

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

BHDM
F604

6.a.(1)

F605

6.a.(2)

F606

6.a.(3)(a)

F607
F611

6.a.(3)(b)(i)
6.a.(3)(b)(ii)

F614

F612
F613
F614

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

F615
F616

F615
F616

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

F617
F618

F617
F618

6.c.(3)
6.d.

BHCK
3541

9.

BHCM
9. Other trading assets ............................................................. 3541

10. Not applicable
11. Derivatives with a positive fair value .................................... 3543
bhct
12. Total trading assets (sum of items 1 through 11)
3545
(total of column A must equal Schedule HC, item 5) ............
LIABILITIES
13.a. Liability for short positions :
(1) Equity securities ......................................................
(2) Debt securities .........................................................
(3) All other assets ........................................................
b. All other trading liabilities.................................................
14. Derivatives with a negative fair value ...................................
15. Total trading liabilities (sum of items 13.a through 14)
(total of column A must equal Schedule HC, item 15) ..........

(Column B)
Domestic Offices

(Column A)
Consolidated

Dollar Amounts in Thousands

11.

3543
BHDM
3545

12.

G209
G210
G211
F624
3547

13.a.(1)
13.a.(2)
13.a.(3)
13.b.
14.

3548

15.

BHCK
G209
G210
G211
F624
3547
bhct
3548

3/09

FR Y– 9C
Page 19

Schedule HC-D—Continued
MEMORANDA
(Column B)
Domestic Offices

(Column A)
Consolidated

Dollar Amounts in Thousands
1. Unpaid principal balance of loans measured at fair
value (reported in Schedule HC-D, items 6.a. 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 land secured by 1–4
family residential properties and extended
under lines of credit ............................................
(b) Closed-end loans secured by 1–4 family
residential properties:
(i) Secured by first liens ....................................
(ii) Secured by junior liens .................................
(4) Secured by multifamily (5 or more) residential
properties ..................................................................
(5) Secured by nonfarm nonresidential properties .........
b. Commercial and industrial loans .....................................
c. Loans to individuals for household, family, and
other personal expenditures (i.e., consumer loans)
(includes purchased paper):
(1) Credit cards...............................................................
(2) Other revolving credit plans ......................................
(3) Other consumer loans (includes single
payment, installment, and all student loans) .............
d. Other loans .....................................................................
2. Not applicable
3. Loans measured at fair value that are past due 90 days
or more:
a. Fair value .....................................................................
b. Unpaid principal balance .................................................

BHCK

Bil

Mil

Thou

BHDM

Bil

Mil

Thou

F790

M.1.a.
F625

M.1.a.(1)

F626

M.1.a.(2)

F627

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

F628
F629

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

F632

F630
F631
F632

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

F633
F634

F633
F634

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

F635
F636

F635
F636

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

F639
F640

F639
F640

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

Dollar Amounts in Thousands
Memoranda items 4 through 10 are to be completed by bank holding companies that
reported average trading assets (Schedule HC-K, item 4.a.) of $1 billion or more in any
of the four preceding quarters.
4. Asset-backed securities:
a. Residential mortgage-backed securities .........................................................................
b. Commercial mortgage-backed securities ........................................................................
c. Credit card receivables....................................................................................................
d. Home equity lines ............................................................................................................
e. Automobile loans .............................................................................................................
f. Other consumer loans .....................................................................................................
g. Commercial and industrial loans .....................................................................................
h. Other ............................................................................................................................

BHCK

F641
F642
F643
F644
F645
F646
F647
F648

Bil

Mil

Thou

M.4.a.
M.4.b.
M.4.c.
M.4.d.
M.4.e.
M.4.f.
M.4.g.
M.4.h.

3/09

FR Y– 9C
Page 20

Schedule HC-D—Continued
MEMORANDA (continued)
Dollar Amounts in Thousands
5. Collateralized debt obligations:
a. Synthetic............................................................................................................................
b. Other .................................................................................................................................
6. Retained beneficial interests in securitizations (first-loss or equity tranches) ........................
7. Equity securities:
a. Readily determinable fair values .......................................................................................
b. Other .................................................................................................................................
8. Loans pending securitization..................................................................................................
9. a. (1) Gross fair value of commodity contracts...............................................................
(2) Gross fair value of physical commodities held in inventory................................
9. b. Other trading assets (itemize and describe amounts included in Schedule HC-D,
item 9, column A (other than amounts included in Memoranda items 9.a.(1) and
9.a.(2) above) that are greater than $25,000 and exceed 25% of item 9 less
Memoranda items 9.a.(1) and 9.a.(2)):
BHTX
(1) F655
BHTX
(2) F656
BHTX
(3) F657
10. Other trading liabilities (itemize and describe amounts included in Schedule HC-D,
item 13 that are greater than $25,000 and exceed 25% of the item)
BHTX
a. F658
BHTX
b. F659
BHTX
c. F660

BHCK

Bil

Mil

Thou

F649
F650
F651

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

F652
F653
F654
G212
G213

M.7.a.
M.7.b.
M.8.
M.9.a.(1)
M.9.a.(2)

F655
F656
F657

M.9.b.(1)
M.9.b.(2)
M.9.b.(3)

F658
F659
F660

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

Schedule HC-E—Deposit Liabilities1
Dollar Amounts in Thousands
1. Deposits held in domestic offices of commercial bank subsidiaries of the reporting bank
holding company:
a. Demand deposits ..............................................................................................................
b. NOW, ATS, and other transaction accounts ......................................................................
c Money market deposit accounts and other savings accounts ...........................................
d. Time deposits of less than $100,000 .................................................................................
e. Time deposits of $100,000 or more ...................................................................................
2. Deposits held in domestic offices of other depository institutions that are subsidiaries
of the reporting bank holding company:
a. Noninterest-bearing balances ...........................................................................................
b. NOW, ATS, and other transaction accounts ......................................................................
c. Money market deposit accounts and other savings accounts ...........................................
d. Time deposits of less than $100,000 .................................................................................
e. Time deposits of $100,000 or more ...................................................................................
MEMORANDA

BHCB

Mil

Thou

2210
3187
2389
6648
2604

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

BHOD

3189
3187
2389
6648
2604

Dollar Amounts in Thousands

BHDM

1. Brokered deposits less than $100,000 with a remaining maturity of one year or less ...........
2. Brokered deposits less than $100,000 with a remaining maturity of more than one year .....
3. Time deposits of $100,000 or more with a remaining maturity of one year or less ................

A243
A164
A242
BHFN
A245

4. Foreign office time deposits with a remaining maturity of one year or less............................

Bil

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

Bil

Mil

Thou

M.1.
M.2.
M.3.
M.4.

1. The sum of items 1.a through 1.e and items 2.a. through 2.e. must equal the sum of Schedule HC, items 13.a.(1) and 13.a.(2).
3/09

FR Y– 9C
Page 21

Schedule HC-F—Other Assets
Dollar Amounts in Thousands

BHCK

1. Accrued interest receivable ...................................................................................................
2. Net deferred tax assets2 .........................................................................................................
3. Interest-only strips receivable (not in the form of a security)3 on:
a. Mortgage loans..................................................................................................................
b. Other financial assets ........................................................................................................
4. Equity securities that DO NOT have readily determinable fair values4 ..................................
5. Life insurance assets .............................................................................................................
6. Other ......................................................................................................................................

B556
2148

1.
2.

A519
A520
1752
C009
2168
bhct
2160

3.a.
3.b.
4.
5.
6.

1

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

Bil

Mil

Thou

7.

1. Include accrued interest receivable on loans, leases, debt securities and other interest-bearing assets.
2. See discussion of deferred income taxes in Glossary entry on "income taxes."
3. Report interest-only strips receivable in the form of a security as available-for-sale securities in Schedule HC, item 2.b, or as trading
assets in Schedule HC, item 5, as appropriate.
4. Include Federal Reserve stock, Federal Home Loan Bank stock, and bankers' bank stock.

Schedule HC-G—Other Liabilities
Dollar Amounts in Thousands
1.
2.
3.
4.

BHCK

Bil

Mil

Thou

Not applicable
Net deferred tax liabilities1...................................................................................................... 3049
Allowance for credit losses on off-balance sheet credit exposures........................................ B557
Other ...................................................................................................................................... B984

5. Total (sum of items 2 through 4) (must equal Schedule HC, item 20)....................................

2.
3.
4.

bhct
2750

5.

1. See discussion of deferred income taxes in Glossary entry on "income taxes."

Schedule HC-H—Interest Sensitivity1
Dollar Amounts in Thousands
1. Earning assets that are repriceable within one year or mature within one year ....................
2. Interest-bearing deposit liabilities that reprice within one year or mature within one year
included in item 13.a(2) and 13.b(2) on Schedule HC, Balance Sheet ..................................
3. Long-term debt that reprices within one year included in items 16 and 19.a on
Schedule HC, Balance Sheet.................................................................................................
4. Variable rate preferred stock (includes both limited-life and perpetual preferred stock) ........
5. Long-term debt reported in Schedule HC, item 19.a on the Balance Sheet that is
scheduled to mature within one year .....................................................................................

BHCK

Bil

Mil

Thou

3197

1.

3296

2.

3298
3408

3.
4.

3409

5.

1. Bank holding companies with foreign offices have the option of excluding the smallest of such non-U.S. offices from coverage in this
schedule. Such bank holding companies may omit the smallest of their offices in foreign countries when arrayed by total assets provided
that the assets of the excluded offices do not exceed 50 percent of the total assets of the bank holding company's assets in foreign countries and 10 percent of the bank holding company's total consolidated assets as of the report date.

3/07

FR Y– 9C
Page 22

Schedule HC-I—Insurance-Related Underwriting Activities (Including Reinsurance)
Schedule HC-I must be completed by all top-tier bank holding companies.
(See instructions for additional information.)

I. Property and Casualty Underwriting
Dollar Amounts in Thousands

BHCK

Bil

Mil

Thou

ASSETS
1. Reinsurance recoverables ..................................................................................................... B988
2. Total assets ............................................................................................................................ C244

1.
2.

LIABILITIES
3. Claims and claims adjustment expense reserves .................................................................. B990
4. Unearned premiums............................................................................................................... B991

3.
4.

5. Total equity ............................................................................................................................. C245

5.

6. Net income ............................................................................................................................. C246

6.

II. Life and Health Underwriting
BHCK

Bil

Mil

Thou

ASSETS
1. Reinsurance recoverables ..................................................................................................... C247
2. Separate account assets........................................................................................................ B992
3. Total assets ............................................................................................................................ C248

1.
2.
3.

LIABILITIES
4. Policyholder benefits and contractholder funds ..................................................................... B994
5. Separate account liabilities .................................................................................................... B996

4.
5.

6. Total equity ............................................................................................................................. C249

6.

7. Net income ............................................................................................................................. C250

7.

Schedule HC-K—Quarterly Averages
Dollar Amounts in Thousands
ASSETS
1. Securities ...............................................................................................................................
2. Federal funds sold and securities purchased under agreements to resell .............................
3. Loans and leases ...................................................................................................................
a. Loans secured by 1–4 family residential properties in domestic offices............................
b. All other loans secured by real estate in domestic offices.................................................
c. All other loans in domestic offices .....................................................................................
4. a. Trading assets ...................................................................................................................
b. Other earning assets .........................................................................................................
5. Total consolidated assets .......................................................................................................
LIABILITIES
6. Interest-bearing deposits (domestic) ......................................................................................
7. Interest-bearing deposits (foreign) .........................................................................................
8. Federal funds purchased and securities sold under agreements to repurchase ...................
9. All other borrowed money ......................................................................................................
10. Not applicable

BHCK

3515
3365
3516
BHDM
3465
3466
F724
BHCK
3401
B985
3368

Bil

MIl

Thou

1.
2.
3.
3.a.
3.b.
3.c.
4.a.
4.b.
5.

3517
3404
3353
2635

6.
7.
8.
9.

EQUITY CAPITAL
11. Total equity capital (excludes limited-life preferred stock) ..................................................... 3519

11.

3/09

FR Y– 9C
Page 23

For Federal Reserve Bank Use Only

(Report only transactions with nonrelated institutions)

C.I.

Schedule HC-L—Derivatives and Off-Balance-Sheet Items
Dollar Amounts in Thousands

BHCK

Bil

Mil

Thou

1. Unused commitments (report only the unused portions of commitments that are fee paid
or otherwise legally binding):
a. Revolving, open-end loans secured by 1–4 family residential properties, e.g., home
equity lines ........................................................................................................................ 3814
b. Credit card lines ................................................................................................................
3815
c. (1) Commitments to fund commercial real estate, construction, and land development
loans secured by real estate (sum of items 1.c.(1)(a) and (b) must equal
item 1.c.(1)) .................................................................................................................
3816
(a) 1–4 family residential construction loan
F164
commitments ........................................................
(b) Commercial real estate, other construction
F165
loan, and land development loan commitments ...
(2) Commitments to fund commercial real estate, construction, and land development
loans NOT secured by real estate ..............................................................................
d. Securities underwriting ......................................................................................................
e. Other unused commitments ..............................................................................................
2. Financial standby letters of credit and foreign office guarantees ...........................................
Item 2.a is to be completed by bank holding companies with $1 billion or more in
total assets.1
a. Amount of financial standby letters of credit conveyed to others ......................................
3. Performance standby letters of credit and foreign office guarantees .....................................
Item 3.a is to be completed by bank holding companies with $1 billion or more in
total assets.1
a. Amount of performance standby letters of credit conveyed to others ...............................
4. Commercial and similar letters of credit .................................................................................
5. Not applicable
6. Securities lent.........................................................................................................................

7. Credit derivatives:
a. Notional amounts:
(1) Credit default swaps ...................................................
(2) Total return swaps .......................................................
(3) Credit options ..............................................................
(4) Other credit derivatives ...............................................
b. Gross fair values:
(1) Gross positive fair value..............................................
(2) Gross negative fair value ............................................

Bil

Mil

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

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

6550
3817
3818
6566
3820
6570

2.a.
3.

3822
3411

3.a.
4.

3433

6.
(Column B)
Beneficiary

(Column A)
Guarantor
BHCK

1.a.
1.b.

Thou

BHCK

Bil

Mil

Thou

C968
C970
C972
C974

C969
C971
C973
C975

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

C219
C220

C221
C222

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

1 The $1 billion asset size test is generally based on the total assets reported as of June 30, 2008.
3/09

FR Y– 9C
Page 24

(Report only transactions with nonrelated institutions)

Schedule HC-L—Continued
Dollar Amounts in Thousands

BHCK

8. Spot foreign exchange contracts..............................................................................................
9. All other off-balance-sheet items (exclude derivatives) (include in item 9 the aggregate
amount all other off-balance sheet items that individually exceed 10% of Schedule HC,
item 27.a, "Total equity capital") (itemize and describe in items 9.a through 9.g only
amounts that exceed 25% of Schedule HC, item 27.a) ...........................................................
a. Securities borrowed.............................................................................................................
b. Commitments to purchase when-issued securities .............................................................
c. Commitments to sell when-issued securities ......................................................................

8765

8.

3430
3432
3434
3435

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

TEXT
6561

6561

9.d.

TEXT
6562

6562

9.e.

TEXT
6568

6568

9.f.

TEXT
6586

6586

9.g.

d.
e.
f.

g.
10. Not applicable

Bil

Mil

Thou

3/07

FR Y– 9C
Page 25

Schedule HC-L—Continued
(Column A)
Interest Rate
Contracts

Dollar Amounts in Thousands
Derivatives Position Indicators
11. Gross amounts (e.g., notional
amounts) (for each column, sum of
items 11.a through 11.e must equal
sum of items 12 and 13):
a. Futures contracts.......................
b. Forward contracts......................
c. Exchange-traded option
contracts:
(1) Written options ....................
(2) Purchased options ..............
d. Over-the-counter option
contracts:
(1) Written options ....................

Tril

Bil

Mil

(Column B)
Foreign Exchange
Contracts

Thou Tril

Bil

Mil

(Column C)
Equity Derivative
Contracts

Thou Tril

Bil

Mil

(Column D)
Commodity and
Other Contracts

Thou Tril

Bil

Mil

BHCK 8693

BHCK 8694

BHCK 8695

BHCK 8696

BHCK 8697

BHCK 8698

BHCK 8699

BHCK 8700

11.a.
11.b.
BHCK 8701

BHCK 8702

BHCK 8703

BHCK 8704

BHCK 8705

BHCK 8706

BHCK 8707

BHCK 8708

11.c.(1)
11.c.(2)
BHCK 8709

BHCK 8710

BHCK 8711

BHCK8712

BHCK 8713

BHCK 8714

BHCK 8715

BHCK 8716

BHCK 3450

BHCK 3826

BHCK 8719

BHCK 8720

11.d.(1)

(2) Purchased options ..............
e. Swaps........................................
12. Total gross notional amount of
derivative contracts held for
trading ............................................
13. Total gross notional amount of
derivative contracts held for
purposes other than trading ...........
14. Gross fair values of derivative
contracts:
a. Contracts held for trading:
(1) Gross positive fair value......
(2) Gross negative fair value ....
b. Contracts held for purposes
other than trading:
(1) Gross positive fair value......
(2) Gross negative fair value ....

Thou

11.d.(2)
11.e.
BHCK A126

BHCK A127

BHCK 8723

BHCK 8724

12.
BHCK 8725

BHCK 8726

BHCK 8727

BHCK 8728

13.

BHCK 8733

BHCK 8734

BHCK 8735

BHCK 8736

BHCK 8737

BHCK 8738

BHCK 8739

BHCK 8740

14.a.(1)
14.a.(2)
BHCK 8741

BHCK 8742

BHCK 8743

BHCK 8744

BHCK 8745

BHCK 8746

BHCK 8747

BHCK 8748

14.b.(1)
14.b.(2)

3/07

FR Y– 9C
Page 26

Schedule HC-M—Memoranda
Dollar Amounts in Thousands

BHCK

Bil

Mil

Thou

NUMBER (UNROUNDED)

1. Total number of bank holding company common shares
outstanding............................................................................. 3459
2. Debt maturing in one year or less (included in Schedule HC, items 16 and 19.a)
that is issued to unrelated third parties by bank subsidiaries .................................................
3. Debt maturing in more than one year (included in Schedule HC, items 16 and 19.a)
that is issued to unrelated third parties by bank subsidiaries .................................................
4. Other assets acquired in satisfaction of debts previously contracted ....................................
5. Securities purchased under agreements to resell offset against securities sold
under agreements to repurchase on Schedule HC ................................................................
6. Investments in real estate (to be reported only by bank holding companies authorized
by the Federal Reserve to have real estate investments) ......................................................
7. Not applicable

1.
6555

2.

6556
6557

3.
4.

A288

5.

3656

6.

8. Has the bank holding company entered into a business combination during the calendar year that was
accounted for by the purchase method of accounting? (Enter ‘‘1’’ for yes; enter ‘‘0’’ for no).....................

BHCK

9. Has the bank holding company restated its financial statements during the last quarter as a result of new
or revised Statements of Financial Accounting Standards? (Enter ‘‘1’’ for yes; enter ‘‘0’’ for no) ..............
10. Not applicable
11. Have all changes in investments and activities been reported to the Federal Reserve on the Bank
Holding Company Report of Changes in Organizational Structure (FR Y–10)? Bank holding companies
must not leave blank or enter “N/A.” The bank holding company must enter “1” for yes or for no changes
to report; or enter “0” for no. If the answer to this questions is no, complete the FR Y-10 .............................

BHCK

C251

8.

6689

9.

BHCK

11.

6416

TEXT
6428
Name of bank holding company official verifying FR Y–10 reporting
(Please type or print)

Area Code and Phone Number (TEXT 9009)

BHCK
12. Intangible assets other than goodwill:
a. Mortgage servicing assets................................................................................................. 3164

Bil

Mil

Thou

12.a.

(1) Estimated fair value of mortgage servicing assets...... 6438
b. Purchased credit card relationships and nonmortgage servicing assets .......................... B026
c. All other identifiable intangible assets ............................................................................... 5507

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

bhct

d. Total (sum of items 12.a, 12.b, and 12.c) (must equal Schedule HC, item 10.b) ..............
13. Other real estate owned:
a. Real estate acquired in satisfaction of debts previously contracted ..................................
b. Other real estate owned ....................................................................................................
c. Total (sum of items 13.a and 13.b) (must equal Schedule HC, item 7) .............................
14. Other borrowed money:
a. Commercial paper .............................................................................................................
b. Other borrowed money with a remaining maturity of one year or less ..............................
c. Other borrowed money with a remaining maturity of more than one year ........................
d. Total (sum of items 14.a, 14.b, and 14.c) (must equal Schedule HC, item 16) .................

0426
BHCK
2744
2745
bhct
2150
BHCK
2309
2332
2333
bhct
3190

12.d.
13.a.
13.b.
13.c.
14.a.
14.b.
14.c.
14.d.

15. Does the holding company sell private label or third party mutual funds and annuities?
(Enter ‘‘1’’ for yes; enter ‘‘0" for no) ................................................................................................................
BHCK

16. Assets under management in proprietary mutual funds and annuities .................................. B570

Bil

BHCK
B569
Mil

15.
Thou

16.

3/06

FR Y– 9C
Page 27

Schedule HC-M—Continued
The following two questions (items 17 and 18) will be used to determine if the reporting bank holding company must complete the Consolidated Bank Holding Company Report of Equity Investments in Nonfinancial
Companies (FR Y-12). See the line item instructions for further details.
17. Does the bank holding company hold, either directly or indirectly through a subsidiary or affiliate, any nonfinancial equity investments (see instructions for definition) within a Small Business Investment Company
(SBIC) structure, or under section 4(c)(6) or 4 (c)(7) of the Bank Holding Company Act, or pursuant to
the merchant banking authority of section 4(k)4(H) of the Bank Holding Company Act, or pursuant to the
investment authority granted by Regulation K? (Enter ‘‘1’’ for yes; enter ‘‘0’’ for no).................................

BHCK
C161

17.

If the answer to item 17 is no, your organization does not need to complete the FR Y–12. Skip item 18 and
proceed to items 19.a and 19.b below. If the answer to item 17 is yes, proceed to item 18.
18. Do your aggregate nonfinancial equity investments (see instructions for definition) equal or exceed the
lesser of $100 million (on an acquisition cost basis) or 10 percent of the bank holding company's
consolidated Tier 1 capital as of the report date? (Enter ‘‘1’’ for yes; enter ‘‘0’’ for no)..............................

BHCK
C159

18.

If the answer to both item 17 and item 18 is yes, your organization must complete the FR Y–12. Skip items 19.a
and 19.b and proceed to item 20 below.
If the answer to either item 17 or item 18 is no, your organization does not need to complete the FR Y–12.
Proceed to items 19.a. and 19.b. below.
Items 19.a. and 19.b. are to be completed by all bank holding companies that are not required to file the
FR Y-12.
19. a. Has the bank holding company sold or otherwise liquidated its holding of any nonfinancial equity
investment since the previous reporting period? (Enter ‘‘1’’ for yes; enter ‘‘0’’ for no) ..........................
b. Does the bank holding company manage any nonfinancial equity investments for the benefit of others?
(Enter "1" for yes; enter "0" for no) .......................................................................................................

BHCK
C700

19.a.

C701

19.b.

Memoranda items 20 and 21 are to be completed only by bank holding companies who have made an
effective election to become a financial holding company. See the line item instructions for further
details.
Dollar Amounts in Thousands
20. Balances of broker–dealer subsidiaries engaged in underwriting or dealing
securities pursuant to Section 4(k)(4)(E) of the Bank Holding Company Act as amended
by the Gramm–Leach–Bliley Act:
a. Net assets .........................................................................................................................
b. Balances due from related institutions:
(1) Due from the bank holding company (parent company only), gross...........................
(2) Due from subsidiary banks of the bank holding company, gross ................................
(3) Due from nonbank subsidiaries of the bank holding company, gross .........................
c. Balances due to related institutions:
(1) Due to bank holding company (parent company only), gross .....................................
(2) Due to subsidiary banks of the bank holding company, gross ....................................
(3) Due to nonbank subsidiaries of the bank holding company, gross .............................
d. Intercompany liabilities reported in items 20.c.(1), 20.c.(2), and 20.c.(3) above
that qualify as liabilities subordinated to claims of general creditors .................................
21. Net assets of subsidiaries engaged in insurance or reinsurance underwriting pursuant to
Section 4(k)(4)(B) of the Bank Holding Company Act as amended by the GrammLeach-Bliley Act......................................................................................................................

BHCK

Bil

Mil

Thou

C252

20.a.

4832
4833
4834

20.b.(1)
20.b.(2)
20.b.(3)

5041
5043
5045

20.c.(1)
20.c.(2)
20.c.(3)

5047

20.d.

C253

21.

9/06

FR Y– 9C
Page 28

Schedule HC-M—Continued
Memoranda item 22 is to be completed by bank holding companies with total assets of $30 billion
or more.
22. Address (URL) for the reporting bank holding company's web page that displays risk disclosures,
including those about credit and market risk. (Example: www.examplebhc.com/riskdisclosures)
TEXT
C497 http://

22.

Memoranda items 23 and 24 are to be completed by all bank holding companies.
Dollar Amounts in Thousands
23. Secured liabilities:
a. Amount of “Federal funds purchased in domestic offices” that are secured (included in
Schedule HC, item 14.a) ...................................................................................................
b. Amount of “Other borrowings” that are secured (included in Schedule HC-M,
item 14.d) ..........................................................................................................................
24. Issuances associated with the U.S. Department of Treasury Capital Purchase
Program:
a. Senior perpetual preferred stock or similar items .......................................................
b. Warrants to purchase common stock or similar items ...............................................

BHCK

Bil

Mil

Thou

F064

23.a.

F065

23.b.

G234
G235

24.a.
24.b.

3/09

For Federal Reserve Bank Use Only
C.I.

FR Y– 9C
Page 29

Schedule HC-N—Past Due and Nonaccrual Loans, Leases, and Other Assets
(Column A)
Past due
30 through 89 days
and still accruing
Dollar Amounts in Thousands
1. Loans secured by real
estate:
a. Construction, land
development, and other
land loans in domestic
offices:
(1) 1–4 family residential
construction loans ......
(2) Other construction
loans and all land
development and
other land loans .........
b. Secured by farmland in
domestic offices.................
c. Secured by 1–4 family
residential properties in
domestic offices:
(1) Revolving, open-end
loans secured by
1–4 family residential
properties and
extended under lines
of credit .......................
(2) Closed-end loans
secured by 1–4
family residential
properties:
(a) Secured by first
liens ......................
(b) Secured by junior
liens ......................
d. Secured by multifamily
(5 or more) residential
properties in domestic
offices ................................
e. Secured by nonfarm
nonresidential properties
in domestic offices:
(1) Loans secured by
owner-occupied
nonfarm nonresidential
properties ..................
(2) Loans secured by
other nonfarm
nonresidential
properties ...................
f. In foreign offices ................

BHCK

Bil

Mil

Thou

(Column C)
Nonaccrual

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

Bil

Mil

Thou

BHCK

Bil

Mil

Thou

F172

F174

F176

1.a.(1)

F173

F175

F177

1.a.(2)

3493

3494

3495

1.b.

5398

5399

5400

1.c.(1)

C236

C237

C229

1.c.(2)(a)

C238

C239

C230

1.c.(2)(b)

3499

3500

3501

1.d.

F178

F180

F182

1.e.(1)

F179
B572

F181
B573

F183
B574

1.e.(2)
1.f.

3/06

FR Y– 9C
Page 30

Schedule HC-N—Continued
(Column A)
Past due
30 through 89 days
and still accruing
Dollar Amounts in Thousands
2. Loans to depository
institutions and acceptances
of other banks:
a. U.S. banks and other
U.S. depository
institutions .........................
b. Foreign banks....................
3. Loans to finance agricultural
production and other loans
to farmers ...............................
4. Commercial and industrial
loans.......................................
5. Loans to individuals for
household, family, and other
personal expenditures:
a. Credit cards .......................
b. Other (includes single
payment, installment,
all student loans, and
revolving credit plans
other than credit cards) .....
6. Loans to foreign
governments and official
institutions ..............................
7. All other loans ........................
8. Lease financing
receivables:
a. Leases to individuals for
household, family, and
other personal
expenditures ......................
b. All other leases ..................
9. Debt securities and other
assets (exclude other real
estate owned and other
repossessed assets) ..............
10. TOTAL (sum of items 1
through 9) ...............................

BHCK

Bil

Mil

Thou

(Column C)
Nonaccrual

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

Bil

Mil

Thou

BHCK

Bil

Mil

Thou

5377
5380

5378
5381

5379
5382

2.a.
2.b.

1594

1597

1583

3.

1606

1607

1608

4.

B575

B576

B577

5.a.

B578

B579

B580

5.b.

5389
5459

5390
5460

5391
5461

6.
7.

F166
F169

F167
F170

F168
F171

8.a.
8.b.

3505

3506

3507

9.

5524

5525

5526

10.

3/07

FR Y– 9C
Page 31

Schedule HC-N—Continued
Amounts reported in Schedule HC-N, items 1 through 8, above include guaranteed and unguaranteed portions of past due and nonaccrual loans and leases. Report in item 11 below certain guaranteed loans and leases that have already been included in the amounts
reported in items 1 through 8.

(Column A)
Past due
30 through 89 days
and still accruing
Dollar Amounts in Thousands
11. Loans and leases reported in
items 1 through 8 above
which are wholly or partially
guaranteed by the U.S.
Government ...........................
a. Guaranteed portion of
loans and leases (exclude
rebooked “GNMA loans”)
included in item 11 above ..
b. Rebooked “GNMA loans”
that have been repurchased or are eligible for
repurchase included in
item 11 above ....................

BHCK

Bil

Mil

Thou

(Column C)
Nonaccrual

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

Bil

Mil

Thou

BHCK

Bil

Mil

Thou

5612

5613

5614

11.

5615

5616

5617

11.a.

C866

C867

C868

11.b.

MEMORANDA

Dollar Amounts in Thousands

BHCK

1. Restructured loans and
leases included in items 1
through 8 above (and not
reported in Schedule HC-C,
memoranda item 1)
a. Loans secured by
1–4 family residential
properties in domestic
offices ................................ F661
b. Other loans and all other
leases (exclude loans to
individuals for household, family, and other
personal expenditures) ...... 1658

Bil

Mil

(Column C)
Nonaccrual

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

(Column A)
Past due
30 through 89 days
and still accruing
Thou

BHCK

Bil

Mil

Thou

BHCK

Bil

Mil

Thou

F662

F663

M.1.a.

1659

1661

M.1.b.

3/06

FR Y– 9C
Page 32

Schedule HC-N—Continued
MEMORANDA (continued)
(Column A)
Past due
30 through 89 days
and still accruing

Dollar Amounts in Thousands

BHCK

Bil

Mil

(Column C)
Nonaccrual

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

2. Loans to finance commercial
real estate, construction, and
land development activities
(not secured by real estate)
included in Schedule HC-N,
items 4 and 7 above ............... 6558
3. Loans and leases included in
Schedule HC-N, items 1, 2,
4, 5, 6, 7, and 8 extended to
non-U.S. addressees ............. 3508
4. Not applicable
5. Loans and leases held-forsale and loans measured at
fair value (included in
Schedule HC-N, items 1
through 8 above)
a. Loans and leases held
for sale............................... C240
b. Loans measured at fair
value:
(1) Fair value .................... F664
(2) Unpaid principal
balance ....................... F667

BHCK

Bil

Mil

Thou

BHCK

Bil

Mil

Thou

6559

6560

M.2.

1912

1913

M.3.

C241

C226

M.5.a.

F665

F666

M.5.b.(1)

F668

F669

M.5.b.(2)

Item 6 is to be reported only by bank holding companies with total consolidated assets of
$1 billion or more, or with $2 billion or more in par/notional amounts of off-balance sheet
derivative contracts (as reported in Schedule HC-L, items 11.a through 11.e).
BHCK

6. Interest rate, foreign
exchange rate, and
commodity and equity
contracts:
Fair value of amounts
carried as assets ....................

3529

Bil

Mil

Thou

BHCK

Bil

Mil

Thou

3530

Dollar Amounts in Thousands

M.6.

BHCK

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

Bil

Mil

Thou

M.7.
M.8.

3/08

FR Y– 9C
Page 33

Schedule HC-P—1–4 Family Residential Mortgage Banking Activities in Domestic Offices
Schedule HC-P is to be completed by (1) all bank holding companies with $1 billion or more in total assets1 and (2) bank holding companies
with less than $1 billion in total assets at which either 1–4 family residential mortgage loan originations and purchases for resale2 from all
sources, loan sales, or quarter-end loans held for sale in domestic offices exceed $10 million for two consecutive quarters.
Dollar Amounts in Thousands
1. Retail originations during the quarter of 1–4 family residential mortgage loans for sale:2
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 .......................................................
2. Wholesale originations and purchases during the quarter of 1–4 family
residential mortgage loans for sale:2
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 .......................................................
3. 1–4 family residential mortgages sold during the quarter:
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 .......................................................
4. 1–4 family residential mortgages held for sale at quarter-end (included in
Schedule HC, 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 quarter from the sale, securitization, and servicing of
1–4 family residential mortgage loans (included in Schedule HI, items 5.f, 5.g, and 5.i):
a. Closed-end 1–4 family residential mortgage loans ...........................................................

BHCK

F066
F067
BHDM
F670
F671
BHCK
F068
F069
BHDM
F672
F673
BHCK
F070
F071
BHDM
F674
F675
BHCK
F072
F073
BHDM
F676
F677

BHCK
F184
BHDM
b. Open-end 1–4 family residential mortgage loans extended under lines of credit ............. F560

6. Repurchases and indemnifications of 1–4 family residential mortgage loans during
the quarter:
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 .......................................................

Bil

Mil

Thou

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

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

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

5.a.
5.b.

F678
F679

6.a.
6.b.

F680
F681

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

1. The $1 billion asset size test is generally based on the total assets reported as of June 30, 2008.
2. Exclude originations and purchases of 1–4 family residential mortgage loans that are held for investment.

3/08

FR Y–9C
Page 34

Schedule HC-Q—Financial Assets and Liabilities Measured at Fair Value
Schedule HC-Q is to be completed by bank holding companies that (1) have elected to account for financial instruments or servicing assets and liabilities at fair value under a fair value
option or (2) are required to complete Schedule HC-D—Trading Assets and Liabilities.
Fair Value Measurements for Assets and Liabilities
under a Fair Value Option and Trading Assets and Liabilities
(Included in Schedule HC)
(Column A)
Total Fair Value
Reported on
Schedule HC
Dollar Amounts in Thousands
ASSETS
1. Loans and leases ...........................................
2. Trading assets ................................................
a. Nontrading securities at fair value with
changes in fair value reported in
current earnings (included in
Schedule HC-Q, item 2, above) ................
3. All other financial assets and servicing
assets .............................................................

BHCK

Bil

Mil

(Column B)
LESS: Amounts Netted
in the Determination of
Total Fair Value

Thou BHCK

Bil

Mil

(Column C)
Level 1 Fair Value
Measurements

Thou BHCK

Bil

Mil

(Column D)
Level 2 Fair Value
Measurements

Thou BHCK

Bil

Mil

(Column E)
Level 3 Fair Value
Measurements

Thou BHCK

Bil

Mil

Thou

F243
F246

F682
F683

F690
F691

F244
F247

F245
F248

1.
2.

F240

F684

F692

F241

F242

2.a.

F249

F685

F693

F250

F251

3.

F686
F687

F694
F695

F253
F256

F254
F257

4.
5.

F688

F696

F259

F260

6.

F689

F697

F262

F263

7.

LIABILITIES
4. Deposits.......................................................... F252
5. Trading liabilities ............................................. F255
6. All other financial liabilities and servicing
liabilities .......................................................... F258
7. Loan commitments (not accounted for as
derivatives) ..................................................... F261

3/08

For Federal Reserve Bank Use Only

Schedule HC-R—Regulatory Capital

FR Y– 9C
Page 35

C.I.

This schedule is to be submitted on a consolidated basis.
Dollar Amounts in Thousands
Tier 1 capital
1. Total bank holding company equity capital (from Schedule HC, item 27.a) ........................
2. LESS: Net unrealized gains (losses) on available-for-sale securities1 (if a gain, report as
a positive value; if a loss, report as a negative value)............................................................
3. LESS: Net unrealized loss on available-for-sale equity securities1 (report loss as a
positive value) ........................................................................................................................
4. LESS: Accumulated net gains (losses) on cash flow hedges1 (if a gain, report as a positive
value; if a loss, report as a negative value) ............................................................................
5. LESS: Nonqualifying perpetual preferred stock .....................................................................
6. a. Qualifying Class A noncontrolling (minority) interests in consolidated
subsidiaries .....................................................................................................................
b. Qualifying restricted core capital elements (other than cumulative perpetual
preferred stock)2 .............................................................................................................
c. Qualifying mandatory convertible preferred securities of internationally active
bank holding companies ............................................................................................. .
7. a. LESS: Disallowed goodwill and other disallowed intangible assets ..................................
b. LESS: Cumulative change in fair value of all financial liabilities accounted for under a
fair value option that is included in retained earnings and is attributable to changes in
the bank holding company's own creditworthiness (if a net gain, report as a positive
value; if a net loss, report as a negative value) .................................................................
8. Subtotal (sum of items 1, 6.a., 6.b., and 6.c., less items 2, 3, 4, 5, 7.a, and 7.b) ..................
9. a. LESS: Disallowed servicing assets and purchased credit card relationships ...................
b. LESS: Disallowed deferred tax assets ..............................................................................
10. Other additions to (deductions from) Tier 1 capital ................................................................
11. Tier 1 capital (sum of items 8 and 10, less items 9.a and 9.b) ...............................................

BHCX

Bil

Mil

Thou

3210
BHCK
8434

1.

A221

3.

4336
B588

4.
5.

G214

6.a.

G215

6.b.

G216
B590

6.c.
7.a.

F264
C227
B591
5610
B592
8274

7.b.
8.
9.a.
9.b.
10.
11.

G217

12.

G218
5310
2211
B594
5311
8275

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

19. Tier 3 capital allocated for market risk ................................................................................... 1395
20. LESS: Deductions for total risk-based capital ........................................................................ B595
21. Total risk-based capital (sum of items 11, 18, and 19, less item 20) ...................................... 3792

19.
20.
21.

bhct
3368
B590

22.
23.

Tier 2 capital
12. Qualifying subordinated debt, redeemable preferred stock, and restricted
core capital elements2 (except Class B noncontrolling (minority) interest) not
includible in items 6.b. or 6.c. ....................................... ...................................................
13. Cumulative perpetual preferred stock included in item 5 and Class B
noncontrolling (minority) interest not included in 6.b., but includible in Tier 2 capital ...
14. Allowance for loan and lease losses includible in Tier 2 capital .............................................
15. Unrealized gains on available-for-sale equity securities includible in Tier 2 capital ...............
16. Other Tier 2 capital components ............................................................................................
17. Tier 2 capital (sum of items 12 through 16) ............................................................................
18. Allowable Tier 2 capital (lesser of item 11 or 17)....................................................................

Total assets for leverage ratio
22. Average total assets (from Schedule HC-K, item 5) ..............................................................
23. LESS: Disallowed goodwill and other disallowed intangible assets (from item 7.a above) ...
24. LESS: Disallowed servicing assets and purchased credit card relationships
(from item 9.a above) .............................................................................................................
25. LESS: Disallowed deferred tax assets (from item 9.b above) ................................................

2.

B591
5610
BHCK
26. LESS: Other deductions from assets for leverage capital purposes ...................................... B596
27. Average total assets for leverage capital purposes (item 22 less items 23 through 26) ........ A224

24.
25.
26.
27.

28.–30. Not applicable
BHCK
Capital ratios
31. Tier 1 leverage ratio (item 11 divided by item 27) .................................................................. 7204
32. Tier 1 risk-based capital ratio (item 11 divided by item 62) .................................................... 7206
33. Total risk-based capital ratio (item 21 divided by item 62) ..................................................... 7205

Percentage

.
.
.

%
%
%

1. Report amount included in Schedule HC, item 26.b, "Accumulated other comprehensive income."
2. Includes subordinated notes payable to unconsolidated trusts issuing trust preferred securities net of the bank holding company's investment
in the trust, trust preferred securities issued by consolidated special purpose entities, and Class B and Class C noncontrolling (minority)
interests that qualify as Tier 1 capital.

31.
32.
33.

3/09

FR Y–9C
Page 36

Schedule HC-R—Continued
Bank holding companies 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 HC-R, each bank holding company
should decide for itself how detailed a risk-weight analysis it wishes to perform. In other words, a bank holding company can choose from among its assets and off-balance
sheet items that have a risk weight of less than 100 percent which ones to risk-weight at an appropriate lower risk weight, or it can simply risk-weight some or all of these
items at a 100 percent risk weight (50 percent for derivatives).

(Column A)
Totals
(from
Schedule HC)
Dollar Amounts in Thousands
Balance Sheet Asset Categories
34. Cash and due from depository institutions (column A
equals the sum of Schedule HC, items 1.a, 1.b.(1) and
1.b.(2))...............................................................................
35. Held-to-maturity securities ................................................
36. Available-for-sale securities ..............................................
37. Federal funds sold and securities purchased under
agreements to resell..........................................................
38. Loans and leases held for sale .........................................
39. Loans and leases, net of unearned income ......................
40. LESS: Allowance for loan and lease losses ......................
41. Trading assets ...................................................................
42. All other assets1 ................................................................
43. Total assets (sum of items 34 through 42) ........................

Bil

Mil

Thou

(Column B)
Items Not
Subject to
Risk-Weighting
Bil

Mil

BHCE

Thou

(Column C)

(Column D)

(Column E)

C000
(Column F)

◄

Allocation by Risk Weight Category
0%
Bil

Mil

BHC0

20%
Thou

Bil

Mil

BHC2

50%
Thou

Bil

Mil

BHC5

100%
Thou

Bil

Mil

Thou

BHC9

BHCK 0010

bhcx 1754

bhcx 1773

BHCK C225

bhct 5369

bhct B528

bhcx 3123

bhcx 3545

BHCK B639

bhct 2170

34.
35.
36.
37.
38.
39.
40.
41.
42.
43.

1. Includes premises and fixed assets, other real estate owned, investments in unconsolidated subsidiaries and associated companies, customers’ liability on acceptances outstanding, intangible assets,
and other assets.

9/05

FR Y–9C
Page 37

Schedule HC-R—Continued
(Column A)
Face Value
or Notional
Amount
Dollar Amounts in Thousands
Derivatives and Off-Balance Sheet Items
44. Financial standby letters of credit.........
45. Performance standby letters of
credit ....................................................
46. Commercial and similar letters of
credit ....................................................
47. Risk participations in bankers acceptances acquired by the
reporting institution ...............................

Bil

Mil

Credit
Conversion
Factor

(Column B)
Credit
Equivalent
Amount1
Bil

Thou

Mil

BHCE

BHCK B546

Thou

(Column C)

(Column D)

(Column E)

(Column F)

Allocation by Risk Weight Category
0%
Bil

Mil

BHC0

20%
Thou

Bil

Mil

BHC2

50%
Thou

Bil

Mil

BHC5

100%
Thou

Bil

Mil

Thou

BHC9

1.00 or 12.52

44.

.50

45.

.20

46.

1.00

47.

1.00

48.

1.00

49.

12.53

50.

1.00

51.

1.00

52.

bhct 6570

bhct 3411

BHCK 3429

bhct 3433

48. Securities lent.......................................
49. Retained recourse on small business
obligations sold with recourse ..............
50. Recourse and direct credit substitutes
(other than financial standby letters of
credit) subject to the low-level
exposure rule and residual interests
subject to a dollar-for-dollar capital
requirement ..........................................
51. All other financial assets sold with
recourse ...............................................
52. All other off-balance sheet
liabilities................................................
53. Unused commitments with an original
maturity exceeding one year ................

bhct A250

BHCK B541

BHCK B675

BHCK B681

BHCK 6572

.50

53.
BHCE A167

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

54.

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

3/08

FR Y–9C
Page 38

Schedule HC-R—Continued
(Column C)

(Column D)

(Column E)

(Column F)

Allocation by Risk Weight Category
0%
Dollar Amounts in Thousands
Totals
55. Total assets, derivatives, and off-balance sheet items by risk weight category (for each
column, sum of items 43 through 54) ..........................................................................................
56. Risk weight factor ........................................................................................................................
57. Risk-weighted assets by risk weight category (for each column, item 55 multiplied by
item 56) .......................................................................................................................................

Bil

Mil

20%
Thou

Bil

Mil

50%
Thou

Bil

Mil

100%
Thou

Bil

Mil

Thou

BHCK B696

BHCK B697

BHCK B698

BHCK B699

× 0%

× 20%

× 50%

× 100%

BHCK B700

BHCK B701

BHCK B702

BHCK B703

55.
56.
57.

BHCK 1651

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

58.
BHCK B704

59.
BHCK A222

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

60.
BHCK 3128

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

61.
BHCK A223

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

62.

3/02

FR Y–9C
Page 39

Schedule HC-R—Continued
MEMORANDA
Dollar Amounts in Thousands BHCK
1. Current credit exposure across all derivative contracts covered by the risk-based capital standards ..................................................................... 8764
(Column A)
One year or less
2. Notional principal amounts of derivative contracts:1
a. Interest rate contracts...........................................................................................
b. Foreign exchange contracts .................................................................................
c. Gold contracts ......................................................................................................
d. Other precious metals contracts...........................................................................
e. Other commodity contracts ..................................................................................
f. Equity derivative contracts ...................................................................................
g. Credit derivative contracts:
(1) Investment grade ............................................................................................
(2) Subinvestment grade ......................................................................................

BHCK Tril

Bil

Mil

With a remaining maturity of
(Column B)
Over one year
through five years
Thou BHCK Tril

Bil

Mil

Bil

Mil

Thou

M.1.

(Column C)
Over five years

Thou BHCK Tril

Bil

Mil

Thou

3809
3812
8771
8774
8777
A000

8766
8769
8772
8775
8778
A001

8767
8770
8773
8776
8779
A002

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

C980
C983

C981
C984

C982
C985

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

BHCK

3. Preferred stock (including related surplus) eligible for inclusion in Tier 1 capital:
a. Noncumulative perpetual preferred stock (included and reported in “Total equity capital,” on Schedule HC) ..................................................
b. Not applicable.
c. Other noncumulative preferred stock eligible for inclusion in Tier 1 capital (e.g., REIT preferred securities)
(included in Schedule HC, item 27.b) ..................................................................................................................................................................
d. Other cumulative preferred stock eligible for inclusion in Tier 1 capital (excluding trust preferred securities) (included in
Schedule HC, item 20 or 27.b) ............................................................................................................................................................................
4. Offsetting debit to the liability (i.e., the contra account) for Employee Stock Ownership Plan (ESOP) debt guaranteed by the reporting bank
holding company (included in Schedule HC, item 26.c)...........................................................................................................................................
5. Treasury stock (including offsetting debit to the liability for ESOP debt) (included in Schedule HC, item 26.c):
a. In the form of perpetual preferred stock...............................................................................................................................................................
b. In the form of common stock ...............................................................................................................................................................................
6. Market risk equivalent assets attributable to specific risk (included in Schedule HC-R, item 58) ............................................................................
7. Not applicable.
8. Restricted core capital elements included in Tier 1 capital:
a. Qualifying Class B noncontrolling (minority) interest (included in Schedule HC, item 27.b) . ..................................................................
b. Qualifying Class C noncontrolling (minority) interest (included in Schedule HC, item 27.b) ...................................................................
c. Qualifying cumulative perpetual preferred stock (included in Schedule HC, item 27.a) ...........................................................................
d. Qualifying trust preferred securities2 (included in Schedule HC, item 19.b) ..............................................................................................

Bil

Mil

5479

M.3.a.

C498

M.3.c.

A507

M.3.d.

2771

M.4.

5483
5484
F031

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

G219
G220
5990
C502

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

9. Goodwill net of any associated deferred tax liability ........................................................................................................................................ G221
10. Ratio of qualifying restricted core capital elements to total core capital elements less (goodwill net of any associated deferred
tax liability) ..................................................................................................................................................................................................
1. Exclude foreign exchange contracts with an original maturity of 14 days or less and all future contracts.
2. Includes subordinated notes payable to unconsolidated trusts issuing trust preferred securities net of the bank holding company’s investment
in the trust, and trust preferred securities issued by consolidated special purpose entities, that qualify as Tier 1 capital.

Thou

BHCK

G222

M.9.
Percentage

.

% M.10.

3/09

FR Y– 9C
Page 40
For Federal Reserve Bank Use Only
C.I.

Schedule HC-S—Servicing, Securitization, and Asset Sale Activities
(Column A)
1–4 Family
Residential
Loans
Dollar Amounts in Thousands
Securitization Activities
1. Outstanding principal balance of
assets sold and securitized with
servicing retained or with recourse or
other seller-provided credit
enhancements.......................................
2. Maximum amount of credit exposure
arising from recourse or other sellerprovided credit enhancements
provided to structures reported in
item 1 in the form of:
a. Credit enhancing interest-only
strips (included in HC-B, HC-D,
or HC-F) ...........................................
b. Subordinated securities and other
residual interests ..............................
c. Standby letters of credit and
other enhancements.........................
3. Reporting institution’s unused
commitments to provide liquidity to
structures reported in item 1 .................
4. Past due loan amounts included in
item 1:
a. 30–89 days past due ........................
b. 90 days or more past due.................
5. Charge-offs and recoveries on assets
sold and securitized with servicing
retained or with recourse or other
seller-provided credit enhancements
(calendar year-to-date):
a. Charge-offs.......................................
b. Recoveries .......................................

Bil

Mil

Thou

BHCK B705

(Column B)
Home
Equity
Lines
Bil

Mil

Thou

BHCK B706

(Column C)
Credit
Card
Receivables
Bil

Mil

Thou

BHCK B707

(Column D)
Auto
Loans
Bil

Mil

Thou

BHCK B708

(Column E)
Other
Consumer
Loans
Bil

Mil

Thou

BHCK B709

(Column F)
Commercial
and Industrial
Loans
Bil

Mil

Thou

BHCK B710

C000
(Column G)
All Other Loans,
All Leases, and
All Other Assets
Bil

Mil

◄

Thou

BHCK B711

1.

BHCK B712

BHCK B713

BHCK B714

BHCK B715

BHCK B716

BHCK B717

BHCK B718

BHCK C393

BHCK C394

BHCK C395

BHCK C396

BHCK C397

BHCK C398

BHCK C399

BHCK C400

BHCK C401

BHCK C402

BHCK C403

BHCK C404

BHCK C405

BHCK C406

2.a.
2.b.
2.c.
BHCK B726

BHCK B727

BHCK B728

BHCK B729

BHCK B730

BHCK B731

BHCK B732

3.
BHCK B733

BHCK B734

BHCK B735

BHCK B736

BHCK B737

BHCK B738

BHCK B739

BHCK B740

BHCK B741

BHCK B742

BHCK B743

BHCK B744

BHCK B745

BHCK B746

4.a.
4.b.

BHCK B747

BHCK B748

BHCK B749

BHCK B750

BHCK B751

BHCK B752

BHCK B753

BHCK B754

BHCK B755

BHCK B756

BHCK B757

BHCK B758

BHCK B759

BHCK B760

5.a.
5.b.
3/06

Schedule HC-S—Continued

FR Y– 9C
Page 41

(Column A)
1–4 Family
Residential
Loans
Dollar Amounts in Thousands

Bil

Mil

Thou

6. Amount of ownership (or seller’s)
interests carried as:
a. Securities (included in HC-B) ..........

(Column B)
Home
Equity
Lines
Bil

Mil

Thou

(Column C)
Credit
Card
Receivables
Bil

Mil

Thou

(Column D)
Auto
Loans
Bil

Mil

Thou

(Column E)
Other
Consumer
Loans
Bil

Mil

Thou

(Column F)
Commercial
and Industrial
Loans
Bil

Mil

Thou

BHCK B761

BHCK B762

BHCK B763

BHCK B500

BHCK B501

BHCK B502

(Column G)
All Other Loans,
All Leases, and
All Other Assets
Bil

Mil

Thou

6.a.

b. Loans (included in HC-C) ................
7. Past due loan amounts included in
interests reported in item 6.a:
a. 30–89 days past due .......................

6.b.
BHCK B764

BHCK B765

BHCK B766

BHCK B767

BHCK B768

BHCK B769

7.a.

b. 90 days or more past due................
8. Charge-offs and recoveries on loan
amounts included in interests reported
in item 6.a (calendar year-to-date):
a. Charge-offs......................................

7.b.

BHCK B770

BHCK B771

BHCK B772

BHCK B773

BHCK B774

BHCK B775

8.a.

b. Recoveries ......................................
For Securitization Facilities Sponsored
By or Otherwise Established By Other
Institutions
9. Maximum amount of credit exposure
arising from credit enhancements
provided by the reporting institution to
other institutions’ securitization
structures in the form of standby letters
of credit, purchased subordinated
securities, and other enhancements ....
10. Reporting institution’s unused commitments to provide liquidity to other institutions’ securitization structures ...........
Asset Sales
11. Assets sold with recourse or other
seller-provided credit enhancements
and not securitized ...............................
12. Maximum amount of credit exposure
arising from recourse or other sellerprovided credit enhancements provided to assets reported in item 11 ......

8.b.

BHCK B776

BHCK B777

BHCK B778

BHCK B779

BHCK B780

BHCK B781

BHCK B782

9.
BHCK B783

BHCK B784

BHCK B785

BHCK B786

BHCK B787

BHCK B788

BHCK B789

10.

BHCK B790

BHCK B791

BHCK B792

BHCK B793

BHCK B794

BHCK B795

BHCK B796

11.

BHCK B797

BHCK B798

BHCK B799

BHCK B800

BHCK B801

BHCK B802

BHCK B803

12.

3/06

FR Y– 9C
Page 42

Schedule HC-S—Continued
MEMORANDA
Dollar Amounts in Thousands
1. Small business obligations transferred with recourse under Section 208 of the Riegle Community Development and Regulatory Improvement
Act of 1994:
a. Outstanding principal balance ............................................................................................................................................................................
b. Amount of retained recourse on these obligations as of the report date ............................................................................................................
2. Outstanding principal balance of assets serviced for others (includes participations serviced for others):
a. 1–4 family residential mortgages serviced with recourse or other servicer-provided credit enhancements ......................................................
b. 1–4 family residential mortgages serviced with no recourse or other servicer-provided credit enhancements .................................................
c. Other financial assets1........................................................................................................................................................................................
d. 1–4 family residential mortgages serviced for others that are in process of foreclosure at quarter-end (includes closed-end and
open-end loans)................................................................................................................................................................................................
3. Asset-backed commercial paper conduits:
a. Maximum amount of credit exposure arising from credit enhancements provided to conduit structures in the form of standby letters of
credit, subordinated securities, and other enhancements:
(1) Conduits sponsored by the bank, a bank affiliate, or the bank holding company ........................................................................................
(2) Conduits sponsored by other unrelated institutions .....................................................................................................................................
b. Unused commitments to provide liquidity to conduit structures:
(1) Conduits sponsored by the bank, a bank affiliate, or the bank holding company ........................................................................................
(2) Conduits sponsored by other unrelated institutions .....................................................................................................................................
4. Outstanding credit card fees and finance charges (included in Schedule HC-S, item 1, column C)2 .....................................................................

BHCK

Bil

Mil

Thou

A249
A250

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

B804
B805
A591

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

F699

M.2.d.

B806
B807

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

B808
B809
C407

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

1. Memorandum item 2.c is to be completed if the principal balance of other financial assets serviced for others is more than $10 million.
2. Memorandum item 4 is to be completed by (1) bank holding companies that, together with affiliated institutions, have outstanding credit card receivables (as defined in the instructions) that exceed
$500 million as of the report date or (2) bank holding companies that on a consolidated basis are credit card specialty holding companies (as defined in the instructions).

3/08

FR Y– 9C
Page 43

Notes to the Balance Sheet—Predecessor Financial Items
For bank holding companies involved in a business combination(s) during the quarter, provide on the lines below quarterly average
information for any acquired company(ies) with aggregated assets of $10 billion or more or 5 percent of the reporting bank holding
company's total consolidated assets as of the previous quarter-end, whichever is less.
Dollar Amount in Thousands BHBC
1.
2.
3.
4.

Average loans and leases (net of unearned income).........................................................................
Average earning assets .....................................................................................................................
Average total consolidated assets .....................................................................................................
Average equity capital ........................................................................................................................

Bil

Mil

Thou

3516
3402
3368
3519

1.
2.
3.
4.

Notes to the Balance Sheet—Other
Enter in the lines provided below any additional information on specific line items on the balance sheet or its supporting schedules that
the bank holding company wishes to explain, that has been separately disclosed in the bank holding company's quarterly reports to
its shareholders, in its press releases, or on its quarterly reports to the Securities and Exchange Commission (SEC). Also include any
transactions which previously would have appeared as footnotes to Schedules HC through HC-S.
Each additional piece of information disclosed should include the appropriate reference to schedule and item number, as well as a description
of the additional information and the dollar amount (in thousands of dollars) associated with that disclosure.

Example
A bank holding company has guaranteed a new loan for its leveraged Employee Stock Ownership Plan (ESOP) for $750 thousand and that
amount has increased the bank holding company's long-term unsecured debt by a material amount. The bank holding company has disclosed
that change to its stockholders and to the SEC. Enter on the line item below the following information:
TEXT
0000

BHCK

Bil

Mil

Thou

Sch. HC, item 16, New loan to holding company's ESOP guaranteed
by bank holding company
750

0000

Notes to the Balance Sheet—Other
1.

TEXT
5356

2.

5357

3.

5358

4.

5359

5.

5360

Dollar Amount in Thousands BHCK

Bil

Mil

Thou

5356

1.

5357

2.

5358

3.

5359

4.

5360

5.

B027

6.

6. B027

3/03

FR Y– 9C
Page 44

Notes to the Balance Sheet—Other, Continued
TEXT

Dollar Amount in Thousands BHCK

Bil

Mil

Thou

7. B028
B028

7.

B029

8.

B030

9.

B031

10.

B032

11.

B033

12.

B034

13.

B035

14.

B036

15.

B037

16.

B038

17.

B039

18.

B040

19.

B041

20.

8. B029

9. B030

10. B031

11.

B032

12. B033

13. B034

14. B035

15. B036

16. B037

17. B038

18. B039

19. B040

20. B041

3/03


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