Form 031 Consolidated Reports of Condition and Income (Call Repor

DRAFT

FFIEC 031:
Consolidated Reports of Condition and Income (Call Report),
Schedule RC-O – Other Data for Deposit Insurance and FICO Assessments,
with Revisions Proposed for Implementation
as of June 30, 2012

FFIEC 031
Page RC-36
50

Schedule RC-0Other Data for Deposit Insurance and FICO Assessments
All FDIC-insured depository institutions must complete items I through
if applicable, Memorandum items 2, 3, and 6 through 15 each quarter.

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II, Memorandum items I and 5, and,

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RCFD F B,17 MI Thou

Dollar Amounts in Thousands

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RCFN U U U
F234
RCFD UUU

1. Total deposit liabilities before exclusions (gross) as defined in Section 3(l) of the Federal
Deposit Insurance Act and FDIC regulations ......................................................................................F 236
Total
allowable exclusions, including interest accrued and unpaid on allowable exclusions
2.
(including foreign deposits) .................................................................................................................

2.

3. Total foreign deposits, including interest accrued and unpaid thereon (included in item 2
above)

3

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4. Average consolidated total assets .................................................................................................. K652 1
Number
method
used
(for
daily
averaging,
enter
1,
for
weekly
a. Averaging
averaging, enter 2) ................................................................................ rK 653
_______ Bil

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5 Average tangible equity 1 ................................................................................................................. K6541
6. Holdings of long-term unsecured debt issued by other FDIC-insured depository
institutions............................................................ ....................... ..................................................... K655I
7. Unsecured "Other borrowings" with a remaining maturity of (sum of items 7.a through 7.d must be
.

1.

4.
4.a.

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less than or equal to Schedule RC-M, items 5.b.(1)(a)(d) minus item lOb):
a One year or less .................................................................. ...................................... .....................G465
b. Over one year through three years ................................................................................................ G466
c. Over three years through five years ..................................................... ......................................... G467
d Over five years .............................................................................................................................. G468
.

6.

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.

.

7.d.

.

8. Subordinated notes and debentures with a remaining maturity of (sum of items 8.a. through 8.d.
must equal Schedule RC, item 19):
a. One year or less ............................................................ ................................................................
b. Over one year through three years ...............................................................................................
c. Over three years through five years..............................................................................................
d. Over five years ............................................................................. .................................................
9. Reciprocal brokered deposits (included in Schedule RC-E, part I, Memorandum item 1.b) ..............

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8. b
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G803

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10. Banker’s bank certification:
Does the reporting institution meet both the statutory definition of a banker’s bank and the RCFD YES
business conduct test set forth in FDIC regulations? .................................................................. 1<656
If the answer to item 10 is "YES," complete items lO.a and lO.b.
a. Banker’s bank deduction ............................................................................................ ................. ’<657
b. Banker’s bank deduction limit ................................................................................................... .1<658.
.

11. Custodial bank certification:
Does the reporting institution meet the definition of a custodial bank set forth in FDIC
regulations’......................................................................................................................................
If the answer to item Ills "YES," complete items lI.a and Il.b
a. Custodial bank deduction ........................................................................................................... K660
b. Custodial bank deduction limit ....... ............................................................................................ K661

1

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IM 10.

Bil

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YES

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Bil
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Tangible equity is defined as Tier I capital as set forth in the banking agencies’ regulatory capital standards and reported in
Schedule RC-R, item 11.

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INSERT X – FFIEC 031 – SCHEDULE RC-O
Unless otherwise indicated, complete items 1 through 11 and Memorandum items 1 through 5 on an
“unconsolidated single FDIC certificate number basis” (see instructions) and complete Memorandum
items 6 through 17 on a fully consolidated basis.

INSERT Y – FFIEC 031 – SCHEDULE RC-O, ITEM 9(a)

Item 9.a is to be completed on a fully consolidated basis by all institutions
that own another insured depository institution.
a. Fully consolidated reciprocal brokered deposits ......................................

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FFIEC 031
Page RC-37

51

Schedule RC-0Continued
Memoranda

_______________
Dollar Amounts in Thousands

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1. Total deposit liabilities of the bank, including related interest accrued and unpaid, less allowable
exclusions, including related interest accrued and unpaid (sum of Memorandum items 1.a.(1),
1.b.(1), 1.c.(1), and 1.d.(1) must equal Schedule RC-O, item 1 less item 2):
a. Deposit accounts (excluding retirement accounts) of $250,000 or less:’
(1) Amount of deposit accounts (excluding retirement accounts) of $250,000 or less ........... ..... .. F049l
Number
(2) Number of deposit accounts (excluding retirement accounts)
of $250,000 or less ............................................................................ FF050T
b. Deposit accounts (excluding retirement accounts) of more than $250,000:1
(1) Amount of deposit accounts (excluding retirement accounts) of more than $250,000............ ! F051
Number
(2) Number of deposit accounts (excluding retirement accounts)
of more than $250,000.......................................................................... F_052

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(2) Number of retirement deposit accounts of $250,000 or less .............. F 046
d. Retirement deposit accounts of more than $250,000: 1
(1) Amount of retirement deposit accounts of more than $250,000..............................................
Number
(2) Number of retirement deposit accounts of more than $250,000......... F048 j

Fo45

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

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c. Retirement deposit accounts of $250,000 or less: 1
(1) Amount of retirement deposit accounts of $250,000 or less.....................................................
Number

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

1

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

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

4. Not applicable

Memorandum items 5.a and 5.b are to be completed by all banks.
5. Noninterest-bearing transaction accounts (as defined in Section 343 of the Dodd-Frank Act)
of more than $250,000 (see instructions): 4
a. Amount of noninterest-bearing transaction accounts of more than $250,000.................................J
Number
b. Number of noninterest-bearing transaction accounts of more than
$250,000 .................................................................................................. 1945 I

1

2

_____

944

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The dollar amounts used as the basis for reporting in Memorandum items l.a through 1.d reflect the deposit insurance limits in effect on the
report date excluding the temporary unlimited insurance coverage on noninterest-bearing transaction accounts.
The $1 billion asset size test is generally based on the total assets reported on the June 30, 201% Report of Condition.
Uninsured deposits should be estimated based on the deposit insurance limits set forth in Memorandum items l.a through 1 .d and the
temporary unlimited insurance coverage on noninterest-bearing transaction accounts.
Excludes interest-bearing demand deposits.

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

EFIEC 031
Page RC-38

Schedule RC-0Continued

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52

Amounts reported in Memorandum items 6 through 9, 14, and 15 will not be made available to the public on an
individual institution basis.
MemorandaContinued
Dollar Amounts in ThousandsFRCFDF

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Memorandum items 6 through 12 are to be completed by "large institutions" and "highly

complex institutions" as defined in FDIC regulations.
6. Criticized and classified items:
M.6.a.
a. Special mention ............................................................................................................................K 663
b. Substandard ............................................................. ................................................................. ..... ___
___ M.6.b.
c. Doubtful ...................................................... .................................. ................................................. ._._. ..
M.6.c.
d. Loss................................................................................................................................................ K666
M.6.d.
7. "Nontraditional 1-4 family residential mortgage loans" as defined for assessment purposes
onlyin FDIC regulations ................................. .................................................. .............................. .... M.7.
8. "Subprime consumer loans" as defined for assessment purposes only in FDIC regulations ..i K6671
I M.8.
9. "Leveraged loans and securities" as defined for assessment purposes only in FDIC
K6681
regulations.... .....................................................................................................................................
M.9.
10. Commitments to fund construction, land development, and other land loans secured by
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real estate in domestic offices:
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a. Total unfunded commitments ...................................................................................................... K676’
M.b.a.
b. Portion of unfunded commitments guaranteed or insured by the U.S. government
(including the FDIC) .....................................................................................................................
M.10.b.
RCFD
11. Amount of other real estate owned recoverable from the U.S. government under guarantee
or insurance provisions (excluding FDIC loss-sharing agreements)
Mu.
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12. Nonbrokered time deposits of more than $250,000 in domestic offices (included in
Schedule RC-E, Memorandum item 2.d) ......................................................................................... .M.12.
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Memorandum item 13.a is to be completed by "large institutions" and "highly complex
institutions" as defined in FDIC regulations. Memorandum items 13.b through 13.g are to be

completed by "large institutions" only.
13. Portion of funded loans guaranteed or insured by the U.S. government (excluding FDIC
loss-sharing agreements):
a. Construction, land development, and other land loans secured by real estate in
domesticoffices ...................................................................... ..................................................... Il(6791
b. Loans secured by multifamily residential and nonfarm nonresidential properties in
domesticoffices...........................................................................................................................
c. Closed-end loans secured by first liens on 1-4 family residential properties in
domesticoffices...........................................................................................................................
d. Closed-end loans secured by junior liens on 1-4 family residential properties and
revolving, open-end loans secured by 1-4 family residential properties and extended
under lines of credit in domestic offices ................................................................................... K682
RCFD

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M.13.a.

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M.13.b.

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e. Commercial and industrial loans ................................................................................................ K670
f. Credit card loans to individuals for household, family, and other personal expenditures.. K671
g. Other consumer loans (includes other revolving credit plans, automobile loans, single
payment, installment, and all student loans) ....................................................................... ....... K 672

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M.13.c.

M.13.d.
M.13.e.
M.13.f.

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M.13.g.

Memorandum items 14 and 15 are to be completed by "highly complex institutions" as defined ___________________
in FDIC regulations.
14. Amount of the institution’s largest counterparty exposure ......... ............................................... ... K673
M.14.
15. Total amount of the institution’s 20 largest counterparty exposures ........................................... K674
M.15.

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INSERT Z – FFIEC 031 – SCHEDULE RC-O, MEMORANDUM ITEMS 16 AND 17
Memorandum item 16 is to be completed by “large institutions” and “highly
complex institutions” as defined in FDIC regulations.
16. Portion of loans restructured in troubled debt restructurings that are in
compliance with their modified terms and are guaranteed or insured by the
U.S. government (including the FDIC) (included in Schedule RC-C, part I,
Memorandum item 1) ......................................................................................
Memorandum item 17 is to be completed on a fully consolidated basis by those
“large institutions” and “highly complex institutions” as defined in FDIC
regulations that own another insured depository institution.
17. Selected fully consolidated data for deposit insurance assessment
purposes:
a. Total deposit liabilities before exclusions (gross) as defined in
Section 3(l) of the Federal Deposit Insurance Act and FDIC regulations
b. Total allowable exclusions, including interest accrued and unpaid on
allowable exclusions (including foreign deposits) ....................................
c. Unsecured “Other borrowings” with a remaining maturity of one year
or less ......................................................................................................
d. Estimated amount of uninsured deposits in domestic offices of the
institution and in insured branches in Puerto Rico and U.S. territories
and possessions, including related interest accrued and unpaid ............

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XXXX

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