Form 031 & 041 3-12 031 & 041 3-12 Consolidated Reports of Condition and Income (Call Repor

Draft FFIEC 031 Call Report
for March 31, 2012

This draft reflects the Call Report revisions proposed in the banking agencies’
initial Federal Register notice published on November 21, 2011
(http://www.ffiec.gov/pdf/FFIEC_forms/FFIEC031_FFIEC041_20111121_ifr.pdf)
and in the banking agencies’ final Federal Register notice
published on December 12, 2011,
pertaining to assessment-related data reported in Schedule RC-O
(http://www.ffiec.gov/pdf/FFIEC_forms/FFIEC002_FFIEC002S_FFIEC031_FFIEC041_2
0111212_ffr.pdf).

Updated Draft as of January 10, 2012

Board of Governors of the Federal Reserve System
OMB Number: 7100-0036
Federal Deposit Insurance Corporation
OMB Number: 3064-0052
Office of the Comptroller of the Currency
OMB Number: 1557-0081

Federal Financial Institutions Examination Council

Please refer to page i,
Table of Contents, for
the required
ben
of

uiiiiiul6

Consolidated Reports of Condition and Income for
A Bank With Domestic and Foreign OfficesFFIEC 031
Report at the close of business Septembec0-2014
2r)J2_
Mrck
This report is required by law: 12 U.S.C. §324 (state member banks);
12 U.S.C. §1817 (State nonmember banks); and 12 U.S.C. §161
(National banks).

NOTE: Each bank’s board of directors and senior management are
responsible for establishing and maintaining an effective system
of internal control, including controls over the Reports of Condition
and Income. The Reports of Condition and Income are to be prepared in accordance with Federal regulatory authority instructions.
The Reports of Condition and Income must be signed by the Chief
Financial Officer (CFO) of the reporting bank (or by the individual performing an equivalent function) and attested to by not less than two
directors (trustees) for State nonmember banks and three directors
for State member and National banks.
I, the undersigned CFO (or equivalent) of the named bank, attest that
the Reports of Condition and Income (including the supporting schedules) for this report date have been prepared in conformance with
the instructions issued by the appropriate Federal regulatory authority
and are true and correct to the best of my knowledge and belief.

4O4OO

(2-i2O3fl)

(RCON 9999)

This report form is to be filed by banks with branches and consolidated
subsidiaries in U.S. territories and possessions, Edge or Agreement
subsidiaries, foreign branches, consolidated foreign subsidiaries, or
International Banking Facilities.
We, the undersigned directors (trustees), attest to the correctness of
the Reports of Condition and Income (including the supporting schedules) for this report date and declare that the Reports of Condition and
Income have been examined by us and to the best of our knowledge
and belief have been prepared in conformance with the instructions
issued by the appropriate Federal regulatory authority and are true
and correct.

Director (Trustee)

Director (Trustee)

Director (Trustee)

Signature of Chief Financial Officer (or Equivalent)

Date of Signature

Submission of Reports
Each bank must file its Reports of Condition and Income (Call Report)
data by either:
(a) Using computer software to prepare its Call Report and then
submitting the report data directly to the FFIEC’s Central Data
Repository (CDR), an Internet-based system for data collection
(https://cdr.ffiec.gov/cdrf), or
(b) Completing its Call Report in paper form and arranging with a
software vendor or another party to convert the data into the electronic format that can be processed by the CDR. The software
vendor or other party then must electronically submit the bank’s
data file to the CDR.
For technical assistance with submissions to the CDR, please contact
the CDR Help Desk by telephone at (888) CDR-3111, by fax at (703)
774-3946, or by e-mail at CDR.Helpffiec.gov .
To fulfill the signature and attestation requirement for the Reports
of Condition and Income for this report date, attach your bank’s

completed signature page (or a photocopy or a computergenerated version of this page) to the hard-copy record of the data file
submitted to the CDR that your bank must place in its files.
The appearance of your bank’s hard-copy record of the submitted
data file need not match exactly the appearance of the FFIEC’s
sample report forms, but should show at least the caption of each
Call Report item and the reported amount.

Legal Title of Bank

City

)RSSD 9017)

(ROOD 9130)

State Abbrev.

(ROOD 9200)

ZIP Code

(RSOD 9220)

FDIC Certificate Number I I I I II
)RSSD 9050)

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

FFIEC 031
Page

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

Signature Page .......
Contact Information
Report of Income

Schedule RI-Income Statement ...................... RI-i, 2, 3, 4
Schedule RI-A-Changes in Bank Equity Capital .........RI-5

Schedule RC-C-Loans and Lease Financing
Receivables:
Part I. Loans and Leases ..............RC-8, 9, 10,11, 12, 13
Part II. Loans to Small Businesses and
Small Farms .................................................RC-14, 15
Schedule RC-D-Trading Assets and Liabilities
(to be completed only by selected banks).. RC-16, 17, 18

Schedule RI-B-Charge-offs and Recoveries on
Loans and Leases and Changes in Allowance
for Loan and Lease Losses ............................... Rl-5, 6, 7

Schedule RC-E-Deposit Liabilities ............ ......... RC-19, 20

RI-8

Schedule RC-G-Other Liabilities.............................. RC-21

RI-9, 10

Schedule RC-H-Selected Balance Sheet Items
for Domestic Offices............................................... RC-22

Schedule RI-D-Income from Foreign Offices
Schedule RI-E-Explanations

Schedule RC-F-Other Assets ................................... RC-21

Schedule RC-l-Assets and Liabilities of IBFs........... RC-23

Report of Condition

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

RC-1, 2
RC-3
RC-3, 4, 5, 6, 7

Schedule RC-B-Securities ......

Schedule RC-K-Quarterly Averages . ....................... RC-23
Schedule RC-L-Derivatives and
Off-Balance Sheet Items......................RC-24, 25, 26, 27
Schedule RC-M-Memoranda .......................RC-28, 29, 30
Schedule RC-N-Past Due and Nonaccrual
Loans, Leases, and Other Assets .............RC-3i, 32, 33,
34,35
Schedule RC-O-Other Data for Deposit
Insurance and FICO Assessments.............RC-36, 37, 38

Disclosure of Estimated Burden
The estimated average burden associated with this information collection is
44.9 hours per respondent and is estimated to vary from 17 to 700 hours per response,
depending on individual circumstances. Burden estimates include the time for reviewing instructions, gathering and maintaining data in the required form, and completing
the information collection, but exclude the time for compiling and maintaining business
records in the normal course of a respondent’s activities. A Federal agency may not
conduct or sponsor, and an organization (or a person) is not required to respond to
a collection of information, unless it displays a currently valid OMB control number.
Comments concerning the accuracy of this burden estimate and suggestions for
reducing this burden should be directed to the Office of Information and Regulatory
Affairs, Office of Management and Budget, Washington, DC 20503, and to one of the
following:
Secretary
Board of Governors of the Federal Reserve System
Washington, DC 20551
Legislative and Regulatory Analysis Division
Office of the Comptroller of the Currency
Washington, DC 20219

Schedule RC-P-1-4 Family Residential
Mortgage Banking Activities in Domestic
Offices (to be completed only by selected
banks) ....................................................................RC-39
Schedule RC-Q-Assets and Liabilities Measured
at Fair Value on a Recurring Basis (to be
completed only by selected banks) ..................RC-40, 41
Schedule RC-R-Regulatory Capital ............RC-42, 43, 44,
45, 46, 47
Schedule RC-S-Servicing, Securitization,
and Asset Sale Activities ............................RC-48, 49, 50
Schedule RC-T-Fiduciary and Related
Services ...............................................RC-51, 52, 53, 54

Assistant Executive Secretary
Federal Deposit Insurance Corporation
Washington, DC 20429

Schedule RC-V-Variable Interest Entities ................RC-55
Optional Narrative Statement Concerning
the Amounts Reported in the Reports
of Condition and Income ........................................RC-56
bakc,

.C(IChO..S

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

FFIEC 031
Page ii

Contact Information for the Reports of Condition and Income

3

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

Chief Financial Officer (or Equivalent) Signing the Reports

Other Person to Whom Questions about the Reports
Should be Directed

Name (TEXT C490)

Name (TEXT C495)

Title (TEXT C491)

Title (TEXT C496)

E-mail Address (TEXT C492)

E-mail Address (TEXT 4086)

Telephone: Area code/phone number/extension (TEXT C493)

Telephone: Area code/phone number/extension (TEXT 8902)

FAX: Area code/phone number (TEXT C494)

FAX: Area code/phone number (TEXT 9116)

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

Primary Contact

Secondary Contact

Name (TEXT C366)

Name (TEXT C371)

Title (TEXT C367)

Title (TEXT C372)

E-mail Address (TEXT C368)

E-mail Address (TEXT C373)

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

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

FAX: Area code/phone number (TEXT C370)

FAX: Area code/phone number (TEXT C375)

FFIEC 031
Page iii

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

4

This information is being requested to identify points-of-contact who are in charge of your bank’s USA PATRIOT Act Section 314(a) information requests.
Bank personnel listed could be contacted by law enforcement officers or the Financial Crimes Enforcement Network (FinCEN) for additional information
related to specific Section 314(a) search requests or other anti-terrorist financing and anti-money laundering matters. Communications sent by FinCEN
to the bank for purposes other than Section 314(a) notifications will state the intended purpose and should be directed to the appropriate bank personnel for review. Any disclosure of customer records to law enforcement officers or FinCEN must be done in compliance with applicable law, including the
Right to Financial Privacy Act (12 U.S.C. 3401 et seq.).
Please provide information for a primary and secondary contact. Information for a third and fourth contact may be provided at the bank’s option. Enter
“none” for the contact’s e-mail address if not available. This contact information is for the confidential use of the Agencies, FinCEN, and law enforcement
officers and will not be released to the public.

Primary Contact

Secondary Contact

Name (TEXT C437)

Name (TEXT C442)

Title (TEXT C438)

Title (TEXT C443)

E-mail Address (TEXT C439)

E-mail Address (TEXT C444)

Telephone: Area code/phone number/extension (TEXT C440)

Telephone: Area code/phone number/extension (TEXT C445)

Third Contact

Fourth Contact

Name (TEXT C870)

Name (TEXT C875)

Title (TEXT C871)

Title (TEXT C876)

E-mail Address (TEXT C872)

E-mail Address (TEXT C877)

Telephone: Area code/phone number/extension (TEXT C873)

Telephone: Area code/phone number/extension (TEXT C878)

FFIEC 031
Page RI-1

Consolidated Report of Income
3!,

ZoI2

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

Schedule RIIncome Statement
Dollar Amounts in Thousands
1. Interest income:
a. Interest and fee income on loans:
(1) In domestic offices:
(a) Loans secured by real estate:
(1) Loans secured by 1-4 family residential properties...................................................
(2) All other loans secured by real estate........................................................................
(b) Loans to finance agricultural production and other loans to farmers ...............................
(c) Commercial and industrial loans .....................................................................................
(d) Loans to individuals for household, family, and other personal expenditures:
(1) Credit cards................................................................................................................
(2) Other (includes single payment, installment, all student loans, and revolving credit
plans other than credit cards).....................................................................................
(e) Loans to foreign governments and official institutions......................................................
(f) All other loans in domestic offices ....................................................................................
(2) In foreign offices, Edge and Agreement subsidiaries, and IBFs .............................................
(3) Total interest and fee income on loans (sum of items 1 .a.(1 )(a) through 1.a.(2)) ...................
b. Income from lease financing receivables ......................................................................................
c. Interest income on balances due from depository institutions 1 .....................................................
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 (includes securities issued by states and political subdivisions in the
U.S.)........................................................................................................................................
e. Interest income from trading assets ..............................................................................................
f. Interest income on federal funds sold and securities purchased under agreements to resell ......
g. Other interest income....................................................................................................................
h. Total interest income (sum of items 1.a.(3) through 1.g) ...............................................................
2. Interest expense:
a. Interest on deposits:
(1) Interest on deposits in domestic offices:
(a) Transaction accounts (interest-bearing demand deposits, NOW accounts, ATS
accounts, and telephone and preauthorized transfer accounts) ......................................
(b) Nontransaction accounts:
(1) Savings deposits (includes MMDA5).........................................................................
(2) Time deposits of $100,000 or more ...........................................................................
(3) Time deposits of less than $100,000 .........................................................................
(2) Interest on deposits in foreign offices, Edge and Agreement subsidiaries, and IBFs .............
b. Expense of federal funds purchased and securities sold under agreements to repurchase.........
c. Interest on trading liabilities and other borrowed money...............................................................

1

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

1 .a.(1)(a)(1)
1 .a.(1)(a)(2)
1 .a.(1)(b)
1 .a.(1)(c)
1 .a.(1)(d)(1)
1 .a.(1)(d)(2)
1 .a.(1)(e)
1 .a.(1)(f)
1.a.(2)
1.a.(3)
lb.
ic.

1.d.(1)
1.d.(2)
1.d.(3)
1.e.
if.
1g.
1.h.

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

FFIEC 031
Page RI-2

6

Schedule RI—Continued
Year-to-date
Dollar Amounts in Thousands
2. Interest expense (continued):
d. Interest on subordinated notes and debentures ......................................
e. Total interest expense (sum of items 2.a through 2.d) ............................
3. Net interest income (item 1.h minus 2.e) .....................................................
4. Provision for loan and lease losses..............................................................
5. Noninterest income:
a. Income from fiduciary activities1..............................................................
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 income*.......................................................................
m. Total noninterest income (sum of items 5.a through 5.l)..........................
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 expense*.....................................................................
e. Total noninterest expense (sum of items 7.a through 7.d) ......................
8. Income (loss) before income taxes and extraordinary items and other
adjustments (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e)..............
9. Applicable income taxes (on item 8) ............................................................
10. Income (loss) before extraordinary items and other adjustments
(item 8 minus item 9)....................................................................................
11. Extraordinary items and other adjustments, net of income taxes* ...............
12. Net income (loss) attributable to bank 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 (item 12 minus item 13) ...................

RIAD

4200
4073

Bil

Mil

Thou

2.d.
2.e.
4074
4230

4070
4080
A220
C886

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

C888
C887

5.d.(2)
5.d.(3)

C386
C387
B491
B492
B493

5.d.(4)
5.d.(5)
5.e.
5.f.
5.g.

5416
5415
B496
B497

5.i.
5.j.
5.k.
5.l.
4079
3521
3196

4135

7.a.

4217
C216

7.b.
7.c.(1)

C232
4092

7.c.(2)
7.d.

3.
4.

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

4093

7.e.

4301
4302

8.
9.

4300
4320

10.
11.

G104

12.

G103
4340

13.
14.

* Describe on Schedule RI-E—Explanations
1 For banks required to complete Schedule RC-T, items 14 through 22, income from fiduciary activities reported in Schedule RI, item 5.a, must
equal the amount reported in Schedule RC-T, item 22.
2 For banks required to complete Schedule RI, Memorandum item 8, trading revenue reported in Schedule RI, item 5.c, must equal the
sum of Memorandum items 8.a through 8.e.

FFIEC 031
Page RI-3

7

Schedule RIContinued
Memoranda

Year-to-date
Dollar Amounts in Thousands RIAD Bit

I

Mil Thou

NNNN

1. Interest expense incurred to carry tax-exempt securities, loans, and leases acquired
after August 7, 1986, that is not deductible for federal income tax purposes ..................................... 4513

M. 1.

Memorandum item 2 is to be completed by banks with $1 billion or more in total assets.’
_......

2. Income from the sale and servicing of mutual funds and annuities in domestic offices
(included in Schedule RI, item 8) ........................................................................................................ 8431
3. Income on tax-exempt loans and leases to states and political subdivisions in the U.S.
(included in Schedule RI, items l.a and 1.b) ...................................................................................... 4313

M.2.

NNN
NNNN
4507

4. Income on tax-exempt securities issued by states and political subdivisions in the U.S.
(included in Schedule RI, item 1.d.(3))................................................................................................
5. Number of full-time equivalent employees at end of current period (round to nearest
wholenumber) .................................................................................................................................... 4150
6. Not applicable
7. If the reporting bank has restated its balance sheet as a result of applying push down
accounting this calendar year, report the date of the bank’s acquisition 2 ................................. 9106
8. Trading revenue (from cash instruments and derivative instruments) (sum of Memorandum
items 8.a through 8.e must equal Schedule RI, item 5.c):

Memorandum items 8.a through 8.e are to be completed by banks that reported average
trading assets (Schedule RC-K, item 7) of $2 million or more for any quarter of the
preceding calendar year.

M.3.
M.4.

Number
M.5.

N
NNN
CC

..2E.
i

M.7.

Year-to-date
RIAD Bil

Mil Thou

M.8.a.
a. Interest rate exposures .................... ..............................................................................................
Foreign
exchange
exposures
......................................................................
..................................
.M.8.b.
b.
M.8.c.
c. Equity security and index exposures ..............................................................................................
d. Commodity and other exposures ............... ........................................................... .........................M.8.d.
M.8.e.
e. Credit exposures ........................................................ ................................... ................................ .

Memorandum items 8.f and 8.g are to be completed by banks with $100 billion or more in
total assets that are required to complete Schedule RI, Memorandum items 8.a through
8.e, above.’
Impact on trading revenue of changes in the creditworthiness of the bank’s derivatives
counterparties on the bank’s derivative assets (included in Memorandum items 8.a
090
through8.e above) .......................................................................................................................K

M .8.f.

g. Impact on trading revenue of changes in the creditworthiness of the bank on the bank’s
derivative liabilities (included in Memorandum items 8.a through 8.e above) ...................... .K094

M.8.g

9. Net gains (losses) recognized in earnings on credit derivatives that economically hedge credit
exposures held outside the trading account:
a. Net gains (losses) on credit derivatives held for trading ................................................................ . C889
b. Net gains (losses) on credit derivatives held for purposes other than trading ............................... . C890
10. Credit losses on derivatives (see instructions).. ... ............................................................. ................. . A251

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

f.

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

RIAD I Yes

No

for the current tax year? ..................................................................................................................... .A530

Memorandum item 12 is to be completed by banks that are required to complete Schedule
RC-C, part I, Memorandum items 8.b and 8.c.

Mu

.

I.
Year-to-date

RIAD Bit
12. Noncash income from negative amortization on closed-end loans secured by 1-4 family
F228
residential properties (included in Schedule RI, item 1.a.(1)(a)(1)) .................................................... .

1
2

The asset size tests are generally based on the total assets reported in the
For example, a bank acquired on March 1, 204t,would report 2044+301
2c ii,

June 30, 201p Report of Condition.
12. o

Mit Thou

M.12.

FFIEC 031
Page RI-4

8

Schedule RI—Continued
Memoranda
Dollar Amounts in Thousands
Memorandum item 13 is to be completed by banks that have elected to account for assets
and liabilities under a fair value option.
13. Net gains (losses) recognized in earnings on assets and liabilities that are reported at fair
value under a fair value option:
a. Net gains (losses) on assets .........................................................................................................
(1) Estimated net gains (losses) on loans attributable to changes in instrument-specific
credit risk.................................................................................................................................
b. Net gains (losses) on liabilities ......................................................................................................
(1) Estimated net gains (losses) on liabilities attributable to changes in instrumentspecific credit risk....................................................................................................................
14. Other-than-temporary impairment losses on held-to-maturity and available-for-sale debt securities:
a. Total other-than-temporary impairment losses ..............................................................................
b. Portion of losses recognized in other comprehensive income (before income taxes) ..................
c. Net impairment losses recognized in earnings (included in Schedule RI, items 6.a and 6.b)
(Memorandum item 14.a minus Memorandum item 14.b) ............................................................

Year-to-date
RIAD

Bil

Mil

Thou

F551

M.13.a.

F552
F553

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

F554

M.13.b.(1)

J319
J320

M.14.a.
M.14.b.

J321

M.14.c.

FF1EC 031
Page RI-5

Schedule RI-AChanges in Bank Equity Capital
7

Indicate decreases and losses in parentheses.

Dollar Amounts in Thousands

1. Total bank equity capital most recently reported for the December 3*2O49 Reports of Condition
and Income (i.e., after adjustments from amended Reports of Income) . ...........................................
2. Cumulative effect of changes in accounting principles and corrections of material
.......................................................................................
accountingerrors*

2.
3.
4.

3. Balance end of previous calendar year as restated (sum of items 1 and 2) ......................................
4. Net income (loss) attributable to bank (must equal Schedule RI, item 14) ........................................
5. Sale, conversion, acquisition, or retirement of capital stock, net (excluding treasury stock
transactions).......................................................................................................................................
6. Treasury stock transactions, net ........................................................................................................
7. Changes incident to business combinations, net...............................................................................
8. LESS: Cash dividends declared on preferred stock...........................................................................
9. LESS: Cash dividends declared on common stock ...........................................................................

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

10. Other comprehensive income’ ...........................................................................................................
11. Other transactions with parent holding com pany * (not included in items 5, 6, 8, or 9 above) ...........
12. Total bank equity capital end of current period (sum of items 3 through 11) (must equal
ScheduleRC, item 27.a)....................................................................................................................

12.

* Describe on Schedule RI-EExplanations.
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.

Schedule RI-BCharge-offs and Recoveries on Loans and Leases
and Changes in Allowance for Loan and Lease Losses
Part I. Charge-offs and Recoveries on Loans and Leases

I

(Column B)
(Column A)
Recoveries
Charge-offs’
Calendar year-to-date

Part I includes charge-offs and recoveries through
the allocated transfer risk reserve.
Dollar Amounts in Thousands

RiAD

I

BU

I

MU

I Thou I RiAD I

Bil

I

MU

I Thou

Loans secured by real estate:
a. Construction, land development, and other land loans in domestic
offices:
(1) 1-4 family residential construction loans .................................. ........ 1C8911

I

I

1C892

1.a.(1)

(2) Other construction loans and all land development and other
C894
landloans........................................................................................... C 893
3585
b. Secured by farmland in domestic offices .................................... .............. 3584
________________________________________
c Secured by 1-4 family residential properties in domestic offices
(1) Revolving, open-end loans secured by 1-4 family residential
5412
properties and extended under lines of credit ............ ....................... 5411!

1

IL............

(2) Closed-end loans secured by 1-4 family residential properties:
(a) Secured by first liens ................................................................... C234
(b) Secured by junior liens ................................................................ C235
d. Secured by multifamily (5 or more) residential properties in domestic
offices..................................................................................................... 35881

I

e. Secured by nonfarm nonresidential properties in domestic offices:
(1) Loans secured by owner-occupied nonfarm nonresidential
properties.......................................................................................... C895
(2) Loans secured by other nonfarm nonresidential properties ............... C 897
f. In foreign offices ....................................................................................... B512
.

1

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

I

1.a.(2)
1.b.

1.c.(1)

C217

1.c.(2)(a)

C218

1.c.(2)(b)

3589

id.
I

.

C896
C898
B513

1.e.(1)
1.e.(2)
if.

FFIEC 031
Page RI-6

10

Schedule RI-B—Continued
Part I. Continued
(Column A)
(Column B)
Charge-offs1
Recoveries
Calendar year-to-date
Dollar Amounts in Thousands
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. Automobile loans...................................................................................
c. Other consumer loans (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)...................................................................

RIAD

Bil

Mil

Thou

RIAD

Bil

Mil

Thou

4653
4654
4655

4663
4664
4665

2.a.
2.b.
3.

4645
4646
B516
4643
B514
K129

4617
4618
B517
4627
B515
K133

4.a.
4.b.

K205
4643
4644

K206
4627
4628

5.c.
6.
7.

F185
C880
4635

F187
F188
4605

8.a.
8.b.
9.

5.a.
5.b.

(Column A)
(Column B)
Charge-offs1
Recoveries
Calendar year-to-date

Memoranda
Dollar Amounts in Thousands

RIAD

1. Loans to finance commercial real estate, construction, and land
development activities (not secured by real estate) included in
Schedule RI-B, part I, items 4 and 7, above ................................................ 5409
2. Loans secured by real estate to non-U.S. addressees (domicile)
(included in Schedule RI-B, part I, item 1, above)........................................ 4652
3. Not applicable.

Bil

Mil

Thou

RIAD

Bil

Mil

Thou

5410

M.1.

4662

M.2.

Memorandum item 4 is to be completed by banks that (1) 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) are credit card specialty banks as defined for Uniform Bank Performance
Calendar year-to-date
Report purposes.
RIAD
Bil
Mil
Thou
4. Uncollectible retail credit card fees and finance charges reversed against income
C388
(i.e., not included in charge-offs against the allowance for loan and lease losses) ..........................

1

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

M.4.

FFIEC 031
Page RI-7

Schedule RI - B

11-11

Continued

Part II. Changes in Allowance for Loan and Lease Losses
,2.o

ft

Dollar Amounts in Thousands

FmAD Bil I Mil I Thou

Reports of Condition
1. Balance most recently reported for the December 31
and Income (i.e., after adjustments from amended Reports of Income) ............................................. B522
2. Recoveries (must equal part I, item 9, column B, above) ................................................................... 4605
3. LESS: Charge-offs (must equal part I, item 9, column A, above less Schedule RI-B,
C079
partII, item 4)......................................................................................................................................
4. LESS: Write-downs arising from transfers of loans to a held-for-sale account .... ............................... 5523
5. Provision for loan and lease losses (must equal Schedule RI, item 4) ............................................... 4230
6. Adjustments* (see instructions for this schedule) ......................................................... ... ................... C 233
7. Balance end of current period (sum of items 1, 2, 5, and 6, less items 3 and 4)
(must equal Schedule RC, item 4.c) ................................................................................................... 3123

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

* Describe on Schedule RI-EExplanations.

Memoranda

_____________________
Dollar Amounts in Thousands

1. Allocated transfer risk reserve included in Schedule RI-B, part II, item 7, above .............................
Memorandum items 2 and 3 are to be completed by banks that (1) together with affiliated institutions,
have outstanding credit card receivables (as defined in the instructions) that exceed $500 million
as of the report date or (2) are credit card specialty banks as defined for Uniform Bank Performance
Report purposes.
2. Separate valuation allowance for uncollectible retail credit card fees and finance charges ..............
3. Amount of allowance for loan and lease losses attributable to retail credit card fees and finance
charges ..............................................................................................................................................
Memorandum item 4 is to be completed by all banks.
4. Amount of allowance for post-acquisition losses on purchased impaired loans accounted for in
accordance with FASBASC 310-30 (former AICPA Statement of Position 03-3) (included in
Schedule RI-B, part II, item 7, above).................................................................................................C

RIAD Bil

I C4351

Mu Thou

I

Ml.

111,

M.2.

781

I

M.3.

M.4.

FFIEC 031
Page RI-8

12

Schedule RI-D—Income from Foreign Offices
For all banks with foreign offices (including Edge or Agreement subsidiaries and IBFs) where foreign office
revenues, assets, or net income exceed 10 percent of consolidated total revenues, total assets, or net income.
Year-to-date
1.
2.
3.
4.

5.
6.
7.
8.
9.
10.
11.
12.
13.

Dollar Amounts in Thousands

RIAD

Total interest income in foreign offices ...............................................................................................
Total interest expense in foreign offices .............................................................................................
Provision for loan and lease losses in foreign offices ........................................................................
Noninterest income in foreign offices:
a. Trading revenue ............................................................................................................................
b. Investment banking, advisory, brokerage, and underwriting fees and commissions.....................
c. Net securitization income ..............................................................................................................
d. Other noninterest income ..............................................................................................................
Realized gains (losses) on held-to-maturity and available-for-sale securities in foreign offices ........
Total noninterest expense in foreign offices .......................................................................................
Adjustments to pretax income in foreign offices for internal allocations to foreign offices to reflect
the effects of equity capital on overall bank funding costs .................................................................
Applicable income taxes (on items 1 through 7) ................................................................................
Extraordinary items and other adjustments, net of income taxes, in foreign offices ..........................
Net income attributable to foreign offices before eliminations arising from consolidation (item 1
plus or minus items 2 through 9) ........................................................................................................
Not applicable.
Eliminations arising from the consolidation of foreign offices with domestic offices ..........................
Consolidated net income attributable to foreign offices (sum of items 10 and 12).............................

C899
C900
C901

1.
2.
3.

C902
C903
C904
C905
C906
C907

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

C908
C909
C910

7.
8.
9.

C911
C912
C913
C914

10.

Bil

Mil

Thou

12.
13.

FFIEC 031
Page RI-9

13

Schedule RI-E—Explanations
Schedule RI-E is to be completed each quarter on a calendar year-to-date basis.
Detail all adjustments in Schedule RI-A and RI-B, all extraordinary items and other adjustments in Schedule RI, and all
significant items of other noninterest income and other noninterest expense in Schedule RI. (See instructions for details.)
Year-to-date
Dollar Amounts in Thousands
1. Other noninterest income (from Schedule RI, item 5.l)
Itemize and describe amounts greater than $25,000 that exceed 3 percent of Schedule RI, 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 ..................................................................................
h. Gains on bargain purchases ..........................................................................................................
TEXT
i. 4461
TEXT
j. 4462
TEXT
k. 4463
2. Other noninterest expense (from Schedule RI, item 7.d)
Itemize and describe amounts greater than $25,000 that exceed 3 percent of Schedule RI, 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 ......................................................................................................
TEXT
l. 4464
TEXT
m. 4467
TEXT
n. 4468
3. Extraordinary items and other adjustments and applicable income tax effect (from Schedule RI,
item 11) (itemize and describe all extraordinary items and other adjustments):
TEXT
a. (1) 4469
(2) Applicable income tax effect ............................................................. 4486
TEXT
b. (1) 4487
(2) Applicable income tax effect ............................................................. 4488
TEXT
c. (1) 4489
(2) Applicable income tax effect ............................................................. 4491

RIAD

Bil

Mil

Thou

C013
C014
C016
4042
C015
F229
F555
J447
4461
4462
4463

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

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

2.a.
2.b.
2.c.
2.d.
2.e.
2.f.
2.g.
2.h.
2.i.
2.j.
2.k.
2.l.
2.m.
2.n

4469

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

4487
4489

FFIEC 031
Page RI-10

14

Schedule RI-E—Continued
Year-to-date
Dollar Amounts in Thousands
4. Cumulative effect of changes in accounting principles and corrections of material
accounting errors (from Schedule RI-A, item 2) (itemize and describe all such effects):
a. TEXT
B526
b. TEXT
B527
5. Other transactions with parent holding company (from Schedule RI-A, item 11)
(itemize and describe all such transactions):
TEXT
a. 4498
TEXT
b. 4499
6. Adjustments to allowance for loan and lease losses (from Schedule RI-B,
part II, item 6) (itemize and describe all adjustments):
TEXT
a. 4521
TEXT
b. 4522
7. Other explanations (the space below is provided for the bank to briefly describe, at its
option, any other significant items affecting the Report of Income):

RIAD

Thou

4.a.
4.b.

4498
4499

5.a.
5.b.

4521
4522

6.a.
6.b.

RIAD

(TEXT 4769)

Mil

B526
B527

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

Bil

Yes

No

7.

FFIEC 031
Page RC-1

Consolidated Report of Condition for Insured Gomm&cia_nks
and 6tate=61a#efed Savings Bonk&for Septefflbec-3Q,--2O1-1 fr1ac
4 SSC-

Fl-51

31, ZOl 2

(s+lOii £

All schedules are to be reported in thousands of dollars. Unless otherwise indicated,
report the amount outstanding as of the last business day of the quarter.

Schedule RCBalance Sheet
Dollar Amounts in Thousands
ASSETS
1. Cash and balances due from depository institutions (from Schedule RC-A):
a. Noninterest-bearing balances and currency and coin’ ..........................................
b. Interest-bearing balances2 ......................................................................................
2. Securities:
a. Held-to-maturity securities (from Schedule RC-B, column A) .................................
b. Available-for-sale securities (from Schedule RC-B, column D)...............................
3. Federal funds sold and securities purchased under agreements to resell:
a. Federal funds sold in domestic offices ....................................................................
b. Securities purchased under agreements to rese11 3 .................................................
4. Loans and lease financing receivables (from Schedule RC-C):
a. Loans and leases held for sale................................................................................
B528
b. Loans and leases, net of unearned income
13123
LESS:
Allowance
for
loan
and
lease
losses
c.
d. Loans and leases, net of unearned income and allowance (item 4.b minus 4.c)....
5. Trading assets (from Schedule RC-D) .........................................................................
6. Premises and fixed assets (including capitalized leases) ............................................
7. Other real estate owned (from Schedule RC-M) .................... ............................ ..........
8. Investments in unconsolidated subsidiaries and associated companies .....................
9. Direct and indirect investments in real estate ventures................................................
10. Intangible assets:
a. Goodwill...................................................................................................................
b. Other intangible assets (from Schedule RC-M).......................................................
11. Other assets (from Schedule RC-F).............................................................................
12. Total assets (sum of items 1 through 11) .....................................................................

1
1

I
1

LIABILITIES
13. Deposits:
a. In domestic offices (sum of totals of columns A and C from Schedule RC-E,
(1) Noninterest-bearing 4 ............................................ RCON 6631
(2) Interest-bearing .................................................... .RCON 16636
b. In foreign offices, Edge and Agreement subsidiaries, and IBFs
(from Schedule RC-E, part II)...........................................................................
(1) Noninterest-bearing ............. ... ............................. RCFN 6631
(2) Interest-bearing .................................................... .RCFN 6636
14. Federal funds purchased and securities sold under agreements to repurchase:
a. Federal funds purchased in domestic offices 5 .................................................
b. Securities sold under agreements to repurchase 6 ...........................................
15. Trading liabilities (from Schedule RC-D)...............................................................
16. Other borrowed money (includes mortgage indebtedness and obligations under
capitalized leases) (from Schedule RC-M) .......... ..................................................
17. and 18. Not applicable.

1

1

Includes cash items in process of collection and unposted debits.
2 Includes time certificates of deposit not held for trading.

Includes all securities resale agreements in domestic and foreign offices, regardless of maturity.
"Includes noninterest-bearing demand, time, and savings deposits.
Report overnight Federal Home Loan Bank advances in Schedule RC, item 16, ’Other borrowed money."
6 Includes all securities repurchase agreements in domestic and foreign offices, regardless of maturity.

l.a.
lb.
2.a.
2.b.
3.a.
3.b.
4.a.
4. b.
4.c.
4.d.
5.
6.
7.
8.
9.
l0.a.
lOb.
11.
12.

13.a
13.a.(l)
13.a.(2)
13.b.
13.b.(l)
l3.b.(2)
14.a.
14.b.
15.
ii;

FFIEC 031
Page RC-2

16

Schedule RCContinued
Dollar Amounts in Thousands
LIABILITIESContinued
19. Subordinated notes and debentures’ ..........

19.

20. Other liabilities (from Schedule RC-G).........

20.

21. Total liabilities (sum of items 13 through 20)

21.

22. Not applicable.
EQUITY CAPITAL
Bank Equity Capital
23. Perpetual preferred stock and related surplus.........................................................................

23.

24. Common stock.........................................................................................................................

24.

25. Surplus (exclude all surplus related to preferred stock)...........................................................

25.

26. a. Retained earnings ...............................................................................................................
b. Accumulated other comprehensive income2.......................................................................

26.a.

c. Other equity capital components 3 ........................................................................................
27. a. Total bank equity capital (sum of items 23 through 26.c).....................................................

26 c.

26.b.
27.a.
27.b.

b. Noncontrolling (minority) interests in consolidated subsidiaries..........................................
28. Total equity capital (sum of items 27.a and 27.b).....................................................................

28.

29. Total liabilities and equity capital (sum of items 21 and 28) .....................................................

29.

Memoranda
To be reported with the March Report of Condition.
1. Indicate in the box at the right the number of the statement below that best describes the
most comprehensive level of auditing work performed for the bank by independent external
auditors as of any date during 2O4

.27..................................................................................................1
Q.!.I.

1 = Independent audit of the bank conducted in accordance with
generally accepted auditing standards by a certified public
accounting firm which submits a report on the bank
2 = Independent audit of the bank’s parent holding company conducted in accordance with generally accepted auditing standards

q

with generally accepted auditing standards by a certified public
accounting firm (may be required by state chartering authority)
5 = Directors’ examination of the bank performed by other external
auditors (may be required by state chartering authority)

consolidated holding company (but not on the bank separately)

7 = Compilation of the bank’s financial statements by external
auditors

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

8 = Other audit procedures (excluding tax preparation work)

public accounting firm

9 = No external audit work

2. Bank’s fiscal year-end date .................................................

Ml.

4 = Directors’ examination of the bank conducted in accordance

by a certified public accounting firm which submits a report on the

To be reported with the March Report of Condition.

1

Numbe

6724

6 = Review of the bank’s financial statements by external auditors

3 = Attestation on bank management’s assertion on the effectiveness

2

RCFD

RCON MM

1 86781

I DO
1

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.
Includes treasury stock and unearned Employee Stock Ownership Plan shares.

M.2.

FFIEC 031
Page RC-3

17

Schedule RC-A—Cash and Balances Due From Depository Institutions
Exclude assets held for trading.
(Column A)
Consolidated
Bank
Dollar Amounts in Thousands
1. Cash items in process of collection, unposted debits, and currency and
coin...............................................................................................................
a. Cash items in process of collection and unposted debits........................
b. Currency and coin ...................................................................................
2. Balances due from depository institutions in the U.S. ..................................
a. U.S. branches and agencies of foreign banks (including their IBFs).......
b. Other commercial banks in the U.S. and other depository institutions in
the U.S. (including their IBFs) .................................................................
3. Balances due from banks in foreign countries and foreign central banks ....
a. Foreign branches of other U.S. banks.....................................................
b. Other banks in foreign countries and foreign central banks ....................
4. Balances due from Federal Reserve Banks.................................................
5. Total (sum of items 1 through 4) (total of column A must equal
Schedule RC, sum of items 1.a and 1.b) .....................................................

RCFD

Bil

Mil

(Column B)
Domestic
Offices
Thou RCON

Bil

Mil

Thou

0022

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

0020
0080
0082
0083
0085
0073
0074
0090

0090

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

0010

0010

5.

0070

Schedule RC-B—Securities
Exclude assets held for trading.
Held-to-maturity
(Column A)
(Column B)
Amortized Cost
Fair Value
Dollar Amounts in Thousands
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. ...

1
2

RCFD

Bil

Mil

Thou RCFD

Bil

Mil

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

Bil

Mil

Thou RCFD

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.

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

FFIEC 031
Page RC-4

18

Schedule RC-B—Continued
Held-to-maturity
(Column A)
(Column B)
Amortized Cost
Fair Value
Dollar Amounts in Thousands
4. Mortgage-backed
securities (MBS):
a. Residential mortgage
pass-through
securities:
(1) Guaranteed by
GNMA ..................
(2) Issued by FNMA
and FHLMC..........
(3) Other passthrough securities.
b. Other residential
mortgage-backed
securities (include
CMOs, REMICs, and
stripped MBS):
(1) Issued or guaranteed by U.S.
Government
agencies or
sponsored
agencies1 ............
(2) Collateralized by
MBS issued or
guaranteed by
U.S. Government
agencies or
sponsored
agencies1 ............
(3) All other
residential MBS ....
c. Commercial MBS:
(1) Commercial
mortgage
pass-through
securities:
(a) Issued or
guaranteed
by FNMA,
FHLMC, or
GNMA............
(b) Other
pass-through
securities ......

1

RCFD

Bil

Mil

Thou RCFD

Bil

Mil

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

Bil

Mil

Thou RCFD

Bil

Mil

Thou

G300

G301

G302

G303

4.a.(1)

G304

G305

G306

G307

4.a.(2)

G308

G309

G310

G311

4.a.(3)

G312

G313

G314

G315

4.b.(1)

G316

G317

G318

G319

4.b.(2)

G320

G321

G322

G323

4.b.(3)

K142

K143

K144

K145

4.c.(1)(a)

K146

K147

K148

K149

4.c.(1)(b)

U.S. Government agencies include, but are not limited to, such agencies as the Government National Mortgage Association (GNMA), the
Federal Deposit Insurance Corporation (FDIC), and the National Credit Union Administration (NCUA). U.S. Government-sponsored agencies
include, but are not limited to, such agencies as the Federal Home Loan Mortgage Corporation (FHLMC) and the Federal National Mortgage
Association (FNMA).

FFIEC 031
Page RC-5

19

Schedule RC-B—Continued
Held-to-maturity
(Column A)
(Column B)
Amortized Cost
Fair Value
Dollar Amounts in Thousands

RCFD

4. c. (2) Other commercial
MBS:
(a) Issued or
guaranteed
by U.S.
Government
agencies or
sponsored
agencies1...... K150
(b) All other
commercial
MBS................ K154
5. Asset-backed securities
and structured financial
products:
a. Asset-backed
securities (ABS).......... C026
b. Structured financial
products:
(1) Cash..................... G336
(2) Synthetic .............. G340
(3) Hybrid................... G344
6. Other debt securities:
a. Other domestic debt
securities .................... 1737
b. Foreign debt
securities .................... 1742
7. Investments in mutual
funds and other equity
securities with readily
determinable fair values2 .
8. Total (sum of items 1
through 7) (total of
column A must equal
Schedule RC, item 2.a)
(total of column D must
equal Schedule RC,
item 2.b) .......................... 1754

1

2

Bil

Mil

Thou RCFD

Bil

Mil

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

Bil

Mil

Thou RCFD

Bil

Mil

Thou

K151

K152

K153

4.c.(2)(a)

K155

K156

K157

4.c.(2)(b)

C988

C989

C027

5.a.

G337
G341
G345

G338
G342
G346

G339
G343
G347

5.b.(1)
5.b.(2)
5.b.(3)

1738

1739

1741

6.a.

1743

1744

1746

6.b.

A510

A511

7.

1772

1773

8.

1771

U.S. Government agencies include, but are not limited to, such agencies as the Government National Mortgage Association (GNMA), the
Federal Deposit Insurance Corporation (FDIC), and the National Credit Union Administration (NCUA). U.S. Government-sponsored agencies
include, but are not limited to, such agencies as the Federal Home Loan Mortgage Corporation (FHLMC) and the Federal National Mortgage
Association (FNMA).
Report Federal Reserve stock, Federal Home Loan Bank stock, and bankers’ bank stock in Schedule RC-F, item 4.

FFIEC 031
Page RC-6

20

Schedule RC-B—Continued
Memoranda
Dollar Amounts in Thousands

RCFD

Bil

Mil

Thou

securities1 ............................................................................................................................ 0416

1. Pledged
2. Maturity and repricing data for debt securities1, 2 (excluding those in nonaccrual status):
a. Securities issued by the U.S. Treasury, U.S. Government agencies, and states and political
subdivisions in the U.S.; other non-mortgage debt securities; and mortgage pass-through
securities other than those backed by closed-end first lien 1–4 family residential mortgages
with a remaining maturity or next repricing date of: 3, 4
(1) Three months or less ..............................................................................................................
(2) Over three months through 12 months ...................................................................................
(3) Over one year through three years .........................................................................................
(4) Over three years through five years........................................................................................
(5) Over five years through 15 years ............................................................................................
(6) Over 15 years .........................................................................................................................
b. Mortgage pass-through securities backed by closed-end first lien 1–4 family residential
mortgages with a remaining maturity or next repricing date of: 3, 5
(1) Three months or less ..............................................................................................................
(2) Over three months through 12 months ...................................................................................
(3) Over one year through three years .........................................................................................
(4) Over three years through five years........................................................................................
(5) Over five years through 15 years ............................................................................................
(6) Over 15 years .........................................................................................................................
c. Other mortgage-backed securities (include CMOs, REMICs, and stripped MBS; exclude
mortgage pass-through securities) with an expected average life of: 6
(1) Three years or less .................................................................................................................
(2) Over three years .....................................................................................................................
d. Debt securities with a REMAINING MATURITY of one year or less (included in
Memorandum items 2.a through 2.c above)..................................................................................
3. Amortized cost of held-to-maturity securities sold or transferred to available-for-sale or trading
securities during the calendar year-to-date (report the amortized cost at date of sale or transfer) ...
4. Structured notes (included in the held-to-maturity and available-for-sale accounts in
Schedule RC-B, items 2, 3, 5, and 6):
a. Amortized cost...............................................................................................................................
b. Fair value.......................................................................................................................................
1
2
3
4

5

6

M.1.

A549
A550
A551
A552
A553
A554

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

A555
A556
A557
A558
A559
A560

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

A561
A562

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

A248

M.2.d.

1778

M.3.

8782
8783

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

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-rate debt securities by next repricing date.
Sum of Memorandum items 2.a.(1) through 2.a.(6) plus any nonaccrual debt securities in the categories of debt securities reported in
Memorandum item 2.a that are included in Schedule RC-N, item 9, column C, must equal Schedule RC-B, sum of items 1, 2, 3, 4.c.(1), 5, and
6, columns A and D, plus residential mortgage pass-through securities other than those backed by closed-end first lien 1–4 family residential
mortgages included in Schedule RC-B, item 4.a, columns A and D.
Sum of Memorandum items 2.b.(1) through 2.b.(6) plus any nonaccrual mortgage pass-through securities backed by closed-end first lien 1–4
family residential mortgages included in Schedule RC-N, item 9, column C, must equal Schedule RC-B, item 4.a, sum of columns A
and D, less the amount of residential mortgage pass-through securities other than those backed by closed-end first lien 1–4 family residential
mortgages included in Schedule RC-B, item 4.a, columns A and D.
Sum of Memorandum items 2.c.(1) and 2.c.(2) plus any nonaccrual “Other mortgage-backed securities” included in Schedule RC-N, item 9,
column C, must equal Schedule RC-B, sum of items 4.b and 4.c.(2), columns A and D.

FFIEC 031
Page RC-7

Schedule RC-BContinued

[21]

MemorandaContinued

I

Available-for-sale
(Column D)
(Column C)
Fair Value
Amortized Cost
DI Bii j Mil
RCFDI Bil

Held-to-maturity
(Column B)
(Column A)
Fair Value
I Amortized Cost
MiljThou
Bii
Dollar Amounts in ThousandsRCFD!
RCFD! Bil j Mil

[J

Memorandum items 5.a

Thou

-

through 5.f are tobe
completed by banks with

$1 billion or more in
total assets.’

5. Asset-backed securities
(ABS) (for each column,
sum of Memorandum
items 5.a through 5.f
must equal Schedule
RC-B, item 5.a):
a. Credit card
I
B838
receivables
Home
equity
lines
b.
c. Automobile loans
d Other consumer loans B850
eCommercialand
B854
industrial loans
B858
j
i
f. Other
6. Structured financial
products by underlying
collateral or reference
assets (for each column, sum of Memorandum
items 6.a through 6.g
must equal Schedule
RC-B, sum of items
5.b.(1) through (3)):
a. Trust preferred
securities issued by
financial institutions.. G348
b.Trustpreferred
securities issued
by real estate
G352
investment trusts
c. Corporate and
G356

T

T

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

..

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

,

,

B841

I

I

M.5.a.
M.5.b.
M.5.c.
M5d

B845

B847

B848

B849

B851

B852

B853

B855

B856

I B859

B860

i

I

B857

i

i

I

G351

G350I

I
I

TG3531

1G3541

l

I

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

B861

J

J

1

I

jJI

M.6.c.

L.

I

I

G361

1
ON

1G3621

I

I

1G3631

-

M.6.d.

365
: X_.

:

Tnn
G372

M.6.a.

M.6.b.

G357

.....

reference assets

B840

G349

d 1-4 family residential
MBS issued or
guaranteed by
U.S. Governmentsponsored
l03I
enterprises (GSE5)
e. 1-4 family residential
MBS not issued or
guaranteed by GSEs.. G3641
f. Diversified (mixed)
pools of structured

: Other

T

l

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

........

I

B843

........

........

I B839

1

G373

G3741

I

I

G375

1 The $1 billion asset size test is generally based on the total assets reported on the June 30, 201, Report of Condition.

j

I

M.6.g.

FFIEC 031
Page RC-8

22

Schedule RC-C—Loans and Lease Financing Receivables
Part I. Loans and Leases

Do not deduct the allowance for loan and lease losses or the allocated transfer risk reserve from amounts reported in this schedule.
Report (1) loans and leases held for sale at the lower of cost or fair value, (2) loans and leases held for investment, net of unearned
income, and (3) loans and leases accounted for at fair value under a fair value option. Exclude assets held for trading and commercial
paper.
(Column A)
(Column B)
Consolidated
Domestic
Bank
Offices
Dollar Amounts in Thousands RCFD Bil
Mil
Thou RCON Bil
Mil
Thou
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.........................................................................................
b. Secured by farmland (including farm residential and other
improvements)........................................................................................
c. Secured by 1–4 family residential properties:
(1) Revolving, open-end loans secured by 1–4 family residential
properties and extended under lines of credit .................................
(2) Closed-end loans secured by 1–4 family residential properties:
(a) Secured by first liens .................................................................
(b) Secured by junior liens ..............................................................
d. Secured by multifamily (5 or more) residential properties ......................
e. Secured by nonfarm nonresidential properties:
(1) Loans secured by owner-occupied nonfarm nonresidential
properties .........................................................................................
(2) Loans secured by other nonfarm nonresidential properties .............
2. Loans to depository institutions and acceptances of other banks:
a. To commercial banks in the U.S. ............................................................
(1) To U.S. branches and agencies of foreign banks ............................
(2) To other commercial banks in the U.S. ............................................
b. To other depository institutions in the U.S. .............................................
c. To banks in foreign countries..................................................................
(1) To foreign branches of other U.S. banks..........................................
(2) To other banks in foreign countries ..................................................
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. Not applicable
6. 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. Automobile loans .................................................................................
d. Other consumer loans (includes single payment, installment, and
all student loans) ..................................................................................
7. Loans to foreign governments and official institutions (including foreign
central banks)..............................................................................................
8. Obligations (other than securities and leases) of states and political
subdivisions in the U.S. ...............................................................................

1410

1.
F158

1.a.(1)

F159

1.a.(2)

1420

1.b.

1797

1.c.(1)

5367
5368
1460

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

F160
F161

1.e.(1)
1.e.(2)

B531

B536
B537
1590

1590

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

1763
1764

1763
1764

4.a.
4.b.

B538
B539
K137

B538
B539
K137

6.a.
6.b.
6.c.

K207

K207

6.d.

2081

2081

7.

2107

2107

8.

B532
B533
B534

B534
B535

FFIEC 031
Page RC-9

23

Schedule RC-C—Continued
Part I. Continued

(Column A)
Consolidated
Bank
Dollar Amounts in Thousands

RCFD

Bil

Mil

(Column B)
Domestic
Offices
Thou RCON

Bil

Mil

Thou

9. Loans to nondepository financial institutions and other loans ...................... 1563
a. Loans to nondepository financial institutions ...........................................
b. Other loans: ............................................................................................
(1) Loans for purchasing or carrying securities (secured and
unsecured) ........................................................................................
(2) All other loans (exclude consumer loans) .........................................
10. 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 ........................................................................................
11. LESS: Any unearned income on loans reflected in items 1–9 above ..........
12. Total loans and leases, net of unearned income (sum of items 1
through 10 minus item 11) (total of column A must equal
Schedule RC, sum of items 4.a and 4.b) .....................................................

J454

9.
9.a.

1545
J451
2165

9.b.(1)
9.b.(2)
10.

F162
F163
2123

2123

10.a.
10.b.
11.

2122

2122

12.

Memoranda
Dollar Amounts in Thousands
1. Loans restructured in troubled debt restructurings that are in compliance with their
modified terms (included in Schedule RC-C, part I, and not reported as past due or
nonaccrual in Schedule RC-N, Memorandum item 1):
a. 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. Loans secured by 1–4 family residential properties in domestic offices ..............................
c. Secured by multifamily (5 or more) residential properties in domestic offices ....................
d. 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 ............................................
e. Commercial and industrial loans:
(1) To U.S. addressees (domicile) .............................................................................................
(2) To non-U.S. addressees (domicile) .....................................................................................
f. All other loans (include loans to individuals for household, family, and other personal
expenditures) ...............................................................................................................................
Itemize loan categories included in Memorandum item 1.f, above that exceed 10 percent of
total loans restructured in troubled debt restructurings that are in compliance with their
modified terms (sum of Memorandum items 1.a through 1.f):
(1) Loans secured by farmland in domestic offices................................................................

RCON

Bil

Mil

Thou

K158
K159
F576
K160

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

K161
K162

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

RCFD

K163
K164

M.1.e.(1)
M.1.e.(2)

K165

M.1.f.

RCON

K166

M.1.f.(1)

RCFD

(2) Loans to depository institutions and acceptances of other banks .................................
(3) Loans to finance agricultural production and other loans to farmers.............................
(4) Loans to individuals for household, family, and other personal expenditures:
(a) Credit cards.....................................................................................................................
(b) Automobile loans ...........................................................................................................
(c) Other consumer loans (includes single payment, installment, all student loans,
and revolving credit plans other than credit cards) ....................................................
(5) Loans to foreign governments and official institutions ....................................................
(6) Other loans1 ...........................................................................................................................

K167
K168

M.1.f.(2)
M.1.f.(3)

K098
K203

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

K204
K212
K267

M.1.f.(4)(c)
M.1.f.(5)
M.1.f.(6)

RCFN

(7) Loans secured by real estate in foreign offices................................................................. K289

1

Includes “Obligations (other than securities and leases) of states and political subdivisions in the U.S.” and “Loans to nondepository financial institutions and other loans.”

M.1.f.(7)

FFIEC 031
Page RC-10

24

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

Dollar Amounts in Thousands

2. Maturity and repricing data for loans and leases (excluding those in nonaccrual status):
a. Closed-end loans secured by first liens on 1–4 family residential properties in domestic offices
(reported in Schedule RC-C, part I, item 1.c.(2)(a), column B) with a remaining maturity or
next repricing date of: 1, 2
(1) Three months or less ..............................................................................................................
(2) Over three months through 12 months ...................................................................................
(3) Over one year through three years .........................................................................................
(4) Over three years through five years........................................................................................
(5) Over five years through 15 years ............................................................................................
(6) Over 15 years .........................................................................................................................
b. All loans and leases (reported in Schedule RC-C, part I, items 1 through 10, column A)
EXCLUDING closed-end loans secured by first liens on 1–4 family residential properties
in domestic offices (reported in Schedule RC-C, part I, item 1.c.(2)(a), column B) with a
remaining maturity or next repricing date of: 1, 3
(1) Three months or less ..............................................................................................................
(2) Over three months through 12 months ...................................................................................
(3) Over one year through three years .........................................................................................
(4) Over three years through five years........................................................................................
(5) Over five years through 15 years ............................................................................................
(6) Over 15 years .........................................................................................................................
c. Loans and leases (reported in Schedule RC-C, part I, items 1 through 10, column A)
with a REMAINING MATURITY of one year or less (excluding those in nonaccrual status) ........
3. Loans to finance commercial real estate, construction, and land development activities
(not secured by real estate) included in Schedule RC-C, part I, items 4 and 9, column A4 ............
4. Adjustable-rate closed-end loans secured by first liens on 1–4 family residential properties in
domestic offices (included in Schedule RC-C, part I, item 1.c.(2)(a), column B) ..............................
5. Loans secured by real estate to non-U.S. addressees (domicile) (included in Schedule RC-C,
part I, item 1, column A) .....................................................................................................................

RCON

Bil

Mil

Thou

RCON

A564
A565
A566
A567
A568
A569

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

RCFD

A570
A571
A572
A573
A574
A575

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

A247

M.2.c.

2746

M.3.

RCON

5370

M.4.

RCFD

B837

M.5.

Memorandum item 6 is to be completed by banks that (1) 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) are credit card specialty banks as defined for Uniform Bank Performance Report
purposes.
6. Outstanding credit card fees and finance charges included in Schedule RC-C, part I,
item 6.a, column A.............................................................................................................................. C391

M.6.

Memorandum item 7 is to be completed by all banks.
7. Purchased impaired loans held for investment accounted for in accordance with FASB
ASC 310-30 (former AICPA Statement of Position 03-3) (exclude loans held for sale):
a. Outstanding balance ..................................................................................................................... C779
b. Carrying amount included in Schedule RC-C, part I, items 1 through 9........................................ C780

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

1
2

3

4

Report fixed-rate loans and leases by remaining maturity and floating-rate loans by next repricing date.
Sum of Memorandum items 2.a.(1) through 2.a.(6), plus total nonaccrual closed-end loans secured by first liens on 1–4 family residential
properties in domestic offices included in Schedule RC-N, item 1.c.(2)(a), column C, must equal total closed-end loans secured by first liens
on 1–4 family residential properties from Schedule RC-C, part I, item 1.c.(2)(a), column B.
Sum of Memorandum items 2.b.(1) through 2.b.(6), plus total nonaccrual loans and leases from Schedule RC-N, sum of items 1 through
8, column C, minus nonaccrual closed-end loans secured by first liens on 1–4 family residential properties in domestic offices included in
Schedule RC-N, item 1.c.(2)(a), column C, must equal total loans and leases from Schedule RC-C, part I, sum of items 1 through 10, column
A, minus total closed-end loans secured by first liens on 1–4 family residential properties in domestic offices from Schedule RC-C, part I, item
1.c.(2)(a), column B.
Exclude loans secured by real estate that are included in Schedule RC-C, part I, item 1, column A.

FFIEC 031
Page RC-11

25

Schedule RC-CContinued
Part I. Continued
MemorandaContinued

Dollar Amounts in Thousands IRcON! Bil

I

MU

I

Thou

8. 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 RC-C, part I, items 1 .c.(2)(a)
and (b))... .......................................................................................................................................

Memorandum items 8.b and 8.c are to be completed by banks that had closed-end loans
with negative amortization features secured by 1-4 family residential prope 1cties (as reported
in Schedule RC-C, part!, Memorandum item 8.a) as of December 31, 201.k, 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 RC-C, part I, item 12, column B).

.F230

M.8.a.

__________________

b. Total maximum remaining amount of negative amortization contractually permitted on
closed-end loans secured by 1-4 family residential properties .....................................................j F231

I

M.8.b.

c. Total amount of negative amortization on closed-end loans secured by 1-4 family
residential properties included in the carrying amount reported in Memorandum item 8.a
above.......................................................................... ................................................................... 1F2321
9. Loans secured by 1-4 family residential properties in domestic offices in process of
foreclosure (included in Schedule RC-C, part I, items 1.c.(1), 1.c.(2)(a), and 1.c.(2)(b)) ................... 1F5771

RcFD!

Mill

Bill

M.8.c.

I

I

M.9.

(Column B)
Domestic
Offices

(Column A)
Consolidated
Bank
Dollar Amounts in Thousands

I

Thou

RcoN!

Bil

Mil

Thou

Memorandum items 10 and 11 are to be completed by banks that have
elected to measure loans included in Schedule RC-C, part I, items 1
through 9, at fair value under a fair value option.
10. Loans measured at fair value (included in Schedule RC-C, part I,
items 1 through 9):
a. Loans secured by real estate .................................................................
(1) Construction, land development, and other land loans
(2) Secured by farmland (including farm residential and other

[l

I
F578

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

F579

M.10.a.(2)

F580

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

i

improvements)
(3) Secured by 1-4 family residential properties:
(a) Revolving, open-end loans secured by 1-4 family
residential properties and extended under lines of credit
(b)Closed-end loans secured by 1-4 family residential

properties:
(1) Secured by first liens ............................................................ .F581
F582
(2) Secured by junior liens ....... ........................................ ............
F583
(4) Secured by multifamily (5 or more) residential properties
F584
(5) Secured by nonfarm nonresidential properties
F585I
1F585
loans
........................................
....................
industrial
.
b. Commercial and
c. Loans to individuals for household, family, and other personal
expenditures (i.e., consumer loans) (includes purchased paper):
(1) Credit cards ...................................................................................... .F586

I

(2) Other revolving credit plans
K196
(3) Automobile loans
(includes
single
payment
installment
loans
(4) Other consumer
and all student loans).....................................................................
d . Other loans.............................................................................................. F589

M.10.a.(3)(b)(
M.10.a.(3)(b)(
M.10.a.(4)
M.10.a.(5)
M.10.b.

I

K196
K2
F589

I

-

M.10.c.(1)
M.10.c.(2)
M 10 c (3)
M.10.c.(4)
M.10.d.

FFIEC 031
Page RC-12

26

Schedule RC-C—Continued
Part I. Continued
Memoranda—Continued
(Column B)
Domestic
Offices

(Column A)
Consolidated
Bank
Dollar Amounts in Thousands
11. Unpaid principal balance of loans measured at fair value (reported
in Schedule RC-C, part I, Memorandum item 10):
a. Loans secured by real estate ..................................................................
(1) Construction, land development, and other land loans .....................
(2) Secured by farmland (including farm residential and other
improvements) ..................................................................................
(3) Secured by 1–4 family residential properties:
(a) Revolving, open-end loans secured by 1–4 family
residential properties and extended under lines of credit ...........
(b) Closed-end loans secured by 1–4 family residential properties:
(1) Secured by first liens .............................................................
(2) Secured by junior liens ..........................................................
(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) Automobile loans ............................................................................
(4) Other consumer loans (includes single payment, installment,
and all student loans) .....................................................................
d. Other loans ..............................................................................................
(Column A)
Fair value of acquired
loans and leases at
acquisition date

Dollar Amounts in Thousands
12. Loans (not subject to the requirements of
FASB ASC 310-30 (former AICPA Statement of
Position 03-3)) and leases held for investment
that were acquired in business combinations with
acquisition dates in the current calendar year:
a. Loans secured by real estate ...........................
b. Commercial and industrial loans ......................
c. Loans to individuals for household, family,
and other personal expenditures ......................
d. All other loans and all leases............................

RCFD

Bil

Mil

RCFD

Bil

Mil

Thou RCON

Bil

Mil

Thou

F609
F590

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

F591

M.11.a.(2)

F592

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

F597

F593
F594
F595
F596
F597

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

F598
F599
K195

F598
F599
K195

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

K209
F601

K209
F601

M.11.c.(4)
M.11.d.

(Column B)
Gross contractual
amounts receivable
at acquisition date

Thou RCFD

Bil

Mil

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

Thou RCFD

Bil

Mil

Thou

G091
G094

G092
G095

G093
G096

M.12.a.
M.12.b.

G097
G100

G098
G101

G099
G102

M.12.c.
M.12.d.

FFIEC 031
Page RC-13

I 27

Schedule RC-CContinued
Part I. Continued
MemorandaContinued
Dollar Amounts in Thousands IRcojI Bil

I

Mil

I

Thou

Memoranda item 13 is to be completed by banks that had construction, land development, and
other land loans in domestic offices (as reported in Schedule RC-C, part /, item 1. a., column B)
that exceeded 100 percent of total risk-based capital (as reported in Schedule RC-R, item 21)
as of December 31, 201/i!
13. Construction, land development, and other land loans in domestic offices with
interest reserves:
a. Amount of loans that provide for the use of interest reserves (included in Schedule
RC-C, part I, item la, column B) ................................................................................................... 3376 l
b. Amount of interest capitalized from interest reserves on construction, land
RIAD
development, and other land loans that is included in interest and fee income on loans
G
during the quarter (included in Schedule RI, item 1 .a.(1)(a)(2))..................................................... 377 1
RCFD
Memorandum item 14 is to be completed by all banks
.G3781
.......
14. Pledged loans and leases ...........................................................................................................

I

I

I

I

I

I

J

M.13.a.

M.13.b.

I

M.14.

Memorandum item 15 is to be completed for the December report only.
15. Reverse mortgages in domestic offices:
a. Reverse mortgages outstanding that are held for investment (included in Schedule RC-C,

____________________

RCONI
item ic, above):
J466
Home
Equity
Conversion
Mortgage
(HECM)
reverse
mortgages
.........................................
...
(1)

(2) Proprietary reverse mortgages ...............................................................................................&
b. Estimated number of reverse mortgage loan referrals to other lenders during the year
from whom compensation has been received for services performed in connection with
the origination of the reverse mortgages:
(1) Home Equity Conversion Mortgage (HECM) reverse mortgages ........................................... J468
(2) Proprietary reverse mortgages ................................................................................................ j469
c. Principal amount of reverse mortgage originations that have been sold during the year
(1) Home Equity Conversion Mortgage (HECM) reverse mortgages .................... .. ...................... J470
(2) Proprietary reverse mortgages ................................................................................................ J471

N

.

’

O
umber

M.15.a.(1)
M.15.a.(2)

Bil

Mil

M.15.b.(1)
M.15.b.(2)

Thou

M.15.c.(1)
M.15.c.(2)

FFIEC 031
Page RC-14

28

Schedule RC-C—Continued
Part II. Loans to Small Businesses and Small Farms

Report the number and amount currently outstanding as of the report date of business loans with “original amounts” of $1,000,000 or less
and farm loans with “original amounts” of $500,000 or less. The following guidelines should be used to determine the “original amount” of
a loan: (1) For loans drawn down under lines of credit or loan commitments, the “original amount” of the loan is the size of the line of credit
or loan commitment when the line of credit or loan commitment was most recently approved, extended, or renewed prior to the report
date. However, if the amount currently outstanding as of the report date exceeds this size, the “original amount” is the amount currently
outstanding on the report date. (2) For loan participations and syndications, the “original amount” of the loan participation or syndication is
the entire amount of the credit originated by the lead lender. (3) For all other loans, the “original amount” is the total amount of the loan at
origination or the amount currently outstanding as of the report date, whichever is larger.
Loans to Small Businesses
1. Indicate in the appropriate box at the right whether all or substantially all of the dollar
volume of your bank’s “Loans secured by nonfarm nonresidential properties” in domestic
offices reported in Schedule RC-C, part I, items 1.e(1) and 1.e.(2), column B, and all or
substantially all of the dollar volume of your bank’s “Commercial and industrial loans to U.S.
addressees” in domestic offices reported in Schedule RC-C, part I, item 4.a, column B, have
RCON
original amounts of $100,000 or less (If your bank has no loans outstanding in both of these
two loan categories, place an “X” in the box marked “NO.”) .............................................................. 6999

Yes

No

1.

If YES, complete items 2.a and 2.b below, skip items 3 and 4, and go to item 5.
If NO and your bank has loans outstanding in either loan category, skip items 2.a and 2.b, complete items 3 and 4 below, and go
to item 5.
If NO and your bank has no loans outstanding in both loan categories, skip items 2 through 4, and go to item 5.
Number of Loans
2. Report the total number of loans currently outstanding for each of the following
RCON
Schedule RC-C, part I, loan categories:
a. “Loans secured by nonfarm nonresidential properties” in domestic offices reported in
Schedule RC-C, part I, items 1.e.(1) and 1.e.(2), column B (Note: Sum of items 1.e.(1) and
1.e.(2), column B, divided by the number of loans should NOT exceed $100,000.) ..................... 5562
b. “Commercial and industrial loans to U.S. addressees” in domestic offices reported in
Schedule RC-C, part I, item 4.a, column B (Note: Item 4.a, column B, divided by the number of
loans should NOT exceed $100,000.) ........................................................................................... 5563
(Column A)

Dollar Amounts in Thousands
3. Number and amount currently outstanding of “Loans secured by
nonfarm nonresidential properties” in domestic offices reported in
Schedule RC-C, part I, items 1.e.(1) and 1.e.(2), column B (sum of
items 3.a through 3.c must be less than or equal to Schedule RC-C,
part I, sum of items 1.e.(1) and 1.e.(2), column B):
a. With original amounts of $100,000 or less .............................................
b. With original amounts of more than $100,000 through $250,000 ..........
c. With original amounts of more than $250,000 through $1,000,000 .......
4. Number and amount currently outstanding of “Commercial and
industrial loans to U.S. addressees” in domestic offices reported in
Schedule RC-C, part I, item 4.a, column B (sum of items 4.a through 4.c
must be less than or equal to Schedule RC-C, part I, item 4.a, column B):
a. With original amounts of $100,000 or less .............................................
b. With original amounts of more than $100,000 through $250,000 ..........
c. With original amounts of more than $250,000 through $1,000,000 .......

2.a.

2.b.

(Column B)
Amount
Currently
Outstanding

Number of Loans
RCON

RCON

5564
5566
5568

5565
5567
5569

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

5570
5572
5574

5571
5573
5575

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

Bil

Mil

Thou

FFIEC 031
Page RC-15

29

Schedule RC-C—Continued
Part II. Continued
Agricultural Loans to Small Farms
5. Indicate in the appropriate box at the right whether all or substantially all of the dollar
volume of your bank’s “Loans secured by farmland (including farm residential and other
improvements)” in domestic offices reported in Schedule RC-C, part I, item 1.b, column B,
and all or substantially all of the dollar volume of your bank’s “Loans to finance agricultural
production and other loans to farmers” in domestic offices reported in Schedule RC-C, part I,
RCON
item 3, column B, have original amounts of $100,000 or less (If your bank has no loans
outstanding in both of these two loan categories, place an “X” in the box marked “NO.”) ................ 6860

Yes

No

5.

If YES, complete items 6.a and 6.b below, and do not complete items 7 and 8.
If NO and your bank has loans outstanding in either loan category, skip items 6.a and 6.b and complete items 7 and 8 below.
If NO and your bank has no loans outstanding in both loan categories, do not complete items 6 through 8.
Number of Loans
6. Report the total number of loans currently outstanding for each of the following
RCON
Schedule RC-C, part I, loan categories:
a. “Loans secured by farmland (including farm residential and other improvements)” in domestic
offices reported in Schedule RC-C, part I, item 1.b, column B (Note: Item 1.b, column B,
divided by the number of loans should NOT exceed $100,000.) .................................................. 5576
b. “Loans to finance agricultural production and other loans to farmers” in domestic offices
reported in Schedule RC-C, part I, item 3, column B (Note: Item 3, column B, divided by the
number of loans should NOT exceed $100,000.).......................................................................... 5577
(Column A)

Dollar Amounts in Thousands
7. Number and amount currently outstanding of “Loans secured by
farmland (including farm residential and other improvements)” in
domestic offices reported in Schedule RC-C, part I, item 1.b,
column B (sum of items 7.a through 7.c must be less than or equal to
Schedule RC-C, part I, item 1.b, column B):
a. With original amounts of $100,000 or less............................................
b. With original amounts of more than $100,000 through $250,000 .........
c. With original amounts of more than $250,000 through $500,000 .........
8. Number and amount currently outstanding of “Loans to finance
agricultural production and other loans to farmers” in domestic offices
reported in Schedule RC-C, part I, item 3, column B (sum of
items 8.a through 8.c must be less than or equal to Schedule RC-C,
part I, item 3, column B):
a. With original amounts of $100,000 or less............................................
b. With original amounts of more than $100,000 through $250,000 .........
c. With original amounts of more than $250,000 through $500,000 .........

6.a.

6.b.

(Column B)
Amount
Currently
Outstanding

Number of Loans
RCON

RCON

Bil

Mil

Thou

5578
5580
5582

5579
5581
5583

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

5584
5586
5588

5585
5587
5589

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

FFIEC 031
Page RC-16

30

Schedule RC-D—Trading Assets and Liabilities
Schedule RC-D is to be completed by banks that reported average trading assets (Schedule RC-K, item 7) of $2 million or
more in any of the four preceding calendar quarters.
(Column A)
Consolidated
Bank
Dollar Amounts in Thousands

RCFD

ASSETS
1. U.S. Treasury securities ............................................................................... 3531
2. U.S. Government agency obligations (exclude mortgage-backed
securities)
............................................................................................. 3532
3. Securities issued by states and political subdivisions in the U.S. ................ 3533
4. Mortgage-backed securities (MBS):
a. Residential mortgage pass-through securities issued or
guaranteed by FNMA, FHLMC, or GNMA ............................................... G379
b. Other residential MBS issued or guaranteed by U.S. Government
agencies or sponsored agencies1 (include CMOs, REMICs, and
stripped MBS).......................................................................................... G380
c. All other residential MBS ......................................................................... G381
d. Commercial MBS issued or guaranteed by U.S. Government
agencies or sponsored agencies1 ....................................................... K197
e. All other commercial MBS .................................................................... K198
5. Other debt securities
a. Structured financial products:
(1) Cash.................................................................................................. G383
(2) Synthetic .............................................................................................G384
(3) Hybrid................................................................................................ G385
b. All other debt securities ........................................................................... G386
6. Loans:
a. Loans secured by real estate .................................................................. F610
(1) Construction, land development, and other land loans .....................
(2) Secured by farmland (including farm residential and other
improvements) ..................................................................................
(3) Secured by 1–4 family residential properties:
(a) Revolving, open-end loans secured by 1–4 family
residential properties and extended under lines of credit ...........
(b) Closed-end loans secured by 1–4 family residential
properties:
(1) Secured by first liens ............................................................
(2) Secured by junior liens .........................................................
(4) Secured by multifamily (5 or more) residential properties.................
(5) Secured by nonfarm nonresidential properties .................................
b. Commercial and industrial loans ............................................................. F614
c. Loans to individuals for household, family, and other personal
expenditures (i.e., consumer loans) (includes purchased paper):
(1) Credit cards....................................................................................... F615
(2) Other revolving credit plans .............................................................. F616
(3) Automobile loans ............................................................................ K199
(4) Other consumer loans (includes single payment, installment,
and all student loans) ..................................................................... K210
d. Other loans ............................................................................................. F618
7.–8. Not applicable
1

Bil

Mil

(Column B)
Domestic
Offices
Thou RCON

Bil

Mil

Thou

3531

1.

3532
3533

2.
3.

G379

4.a.

G380
G381

4.b.
4.c.

K197
K198

4.d.
4.e.

G383
G384
G385
G386

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

F604

6.a.
6.a.(1)

F605

6.a.(2)

F606

6.a.(3)(a)

F607
F611
F612
F613
F614

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

F615
F616
K199

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

K210
F618

6.c.(4)
6.d.

U.S. Government agencies include, but are not limited to, such agencies as the Government National Mortgage Association (GNMA), the
Federal Deposit Insurance Corporation (FDIC), and the National Credit Union Administration (NCUA). U.S. Government-sponsored agencies
include, but are not limited to, such agencies as the Federal Home Loan Mortgage Corporation (FHLMC) and the Federal National Mortgage
Association (FNMA).

FFIEC 031
Page RC-17

31

Schedule RC-D—Continued
(Column A)
Consolidated
Bank
Dollar Amounts in Thousands

RCFD

Bil

Mil

9. Other trading assets .................................................................................... 3541
10. Not applicable
11. Derivatives with a positive fair value ...........................................................
12. Total trading assets (sum of items 1 through 11) (total of column A must
equal Schedule RC, item 5) ........................................................................
LIABILITIES
13. a. Liability for short positions ......................................................................
b. 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 RC, item 15) .............................................................

(Column B)
Domestic
Offices
Thou RCON

Bil

Mil

Thou

3541

9.

3543

3543

11.

3545

3545

12.

3546
F624
3547

3546
F624
3547

13.a.
13.b.
14.

3548

3548

15.

Memoranda
Dollar Amounts in Thousands
1. Unpaid principal balance of loans measured at fair value (reported
in Schedule RC-D, items 6.a through 6.d):
a. Loans secured by real estate ..................................................................
(1) Construction, land development, and other land loans .....................
(2) Secured by farmland (including farm residential and other
improvements) ..................................................................................
(3) Secured by 1–4 family residential properties:
(a) Revolving, open-end loans secured by 1–4 family
residential properties and extended under lines of credit ...........
(b) Closed-end loans secured by 1–4 family residential
properties:
(1) Secured by first liens .............................................................
(2) Secured by junior liens ..........................................................
(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) Automobile loans ............................................................................
(4) Other consumer loans (includes single payment, installment,
and all student loans) .....................................................................
d. Other loans ..............................................................................................
2. Loans measured at fair value that are past due 90 days or more:
a. Fair value ..............................................................................................
b. Unpaid principal balance .........................................................................

RCFD

Bil

Mil

Thou RCON

F790

Bil

Mil

Thou

F625

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

F626

M.1.a.(2)

F627

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

F632

F628
F629
F630
F631
F632

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

F633
F634
K200

F633
F634
K200

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

K211
F636

K211
F636

M.1.c.(4)
M.1.d.

F639
F640

F639
F640

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

FFIEC 031
Page RC-18

32

Schedule RC-D—Continued
Memoranda—Continued
(Column A)
Consolidated
Bank
Dollar Amounts in Thousands
3. Structured financial products by underlying collateral or reference
assets (for each column, sum of Memorandum items 3.a through
3.g must equal Schedule RC-D, sum of items 5.a.(1) through (3)):
a. Trust preferred securities issued by financial institutions ........................
b. Trust preferred securities issued by real estate investment
trusts .....................................................................................................
c. Corporate and similar loans ....................................................................
d. 1–4 family residential MBS issued or guaranteed by U.S.
government-sponsored enterprises (GSEs) ............................................
e. 1–4 family residential MBS not issued or guaranteed by GSEs ..............
f. Diversified (mixed) pools of structured financial products .......................
g. Other collateral or reference assets ........................................................
4. Pledged trading assets:
a. Pledged securities ...................................................................................
b. Pledged loans..........................................................................................

RCFD

Bil

Mil

(Column B)
Domestic
Offices
Thou RCON

Bil

Mil

Thou

G299

G299

M.3.a.

G332
G333

G332
G333

M.3.b.
M.3.c.

G334
G335
G651
G652

G334
G335
G651
G652

M.3.d.
M.3.e.
M.3.f.
M.3.g.

G387
G388

G387
G388

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

Memorandum items 5 through 10 are to be completed by banks that reported average trading assets
(Schedule RC-K, item 7) of $1 billion or more in any of the four preceding calendar quarters.
Dollar Amounts in Thousands
5. Asset-backed securities:
a. Credit card receivables..................................................................................................................
b. Home equity lines ..........................................................................................................................
c. Automobile loans ...........................................................................................................................
d. Other consumer loans ...................................................................................................................
e. Commercial and industrial loans ...................................................................................................
f. Other .............................................................................................................................................
6. Retained beneficial interests in securitizations (first-loss or equity tranches) ....................................
7. Equity securities (included in Schedule RC-D, item 9, above):
a. Readily determinable fair values ...................................................................................................
b. Other .............................................................................................................................................
8. Loans pending securitization..............................................................................................................
9. Other trading assets (itemize and describe amounts included in Schedule RC-D, item 9,
that are greater than $25,000 and exceed 25 percent of the item):
TEXT
a. F655
TEXT
b. F656
TEXT
c. F657
10. Other trading liabilities (itemize and describe amounts included in Schedule RC-D,
item 13.b, that are greater than $25,000 and exceed 25 percent of the item):
TEXT
a. F658
TEXT
b. F659
TEXT
c. F660

RCFD

Bil

Mil

Thou

F643
F644
F645
F646
F647
F648
F651

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

F652
F653
F654

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

F655
F656
F657

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

F658
F659
F660

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

FFIEC 031
Page RC-19

33

Schedule RC-E—Deposit Liabilities
Part I. Deposits in Domestic Offices
Nontransaction
Accounts

Transaction Accounts
(Column A)
Total transaction
accounts (including
total demand
deposits)
Dollar Amounts in Thousands
Deposits of:
1. Individuals, partnerships, and corporations............
2. U.S. Government ...................................................
3. States and political subdivisions in the U.S. ..........
4. Commercial banks and other depository
institutions in the U.S. ............................................
5. Banks in foreign countries ......................................
6. Foreign governments and official institutions
(including foreign central banks) ............................
7. Total (sum of items 1 through 6) (sum of
columns A and C must equal Schedule RC,
item 13.a) ...............................................................

RCON

Bil

Mil

(Column B)
Memo: Total
demand deposits1
(included in
column A)

Thou RCON

Bil

Mil

(Column C)
Total
nontransaction
accounts
(including MMDAs)

Thou RCON

Bil

Mil

Thou

B549
2202
2203

B550
2520
2530

1.
2.
3.

B551
2213

B552
2236

4.
5.

2216

2377

6.

2385

7.

2215

2210

Memoranda
Dollar Amounts in Thousands
1. Selected components of total deposits (i.e., sum of item 7, columns A and C):
a. Total Individual Retirement Accounts (IRAs) and Keogh Plan accounts .......................................
b. Total brokered deposits .................................................................................................................
c. Fully insured brokered deposits (included in Memorandum item 1.b above):2
(1) Brokered deposits of less than $100,000................................................................................
(2) Brokered deposits of $100,000 through $250,000 and certain brokered retirement deposit
accounts..................................................................................................................................
d. Maturity data for brokered deposits:
(1) Brokered deposits of less than $100,000 with a remaining maturity of one year or
less (included in Memorandum item 1.c.(1) above) ................................................................
(2) Brokered deposits of $100,000 through $250,000 with a remaining maturity of one
year or less (included in Memorandum item 1.c.(2) above) ..............................................
(3) Brokered deposits of more than $250,000 with a remaining maturity of one year or
less (included in Memorandum item 1.b above) ................................................................
e. Preferred deposits (uninsured deposits of states and political subdivisions in the U.S.
reported in item 3 above which are secured or collateralized as required under state law)
(to be completed for the December report only) ......................................................................
f. Estimated amount of deposits obtained through the use of deposit listing services
that are not brokered deposits...................................................................................................
1
2

RCON

Bil

Mil

Thou

6835
2365

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

2343

M.1.c.(1)

J472

M.1.c.(2)

A243

M.1.d.(1)

K219

M.1.d.(2)

K220

M.1.d.(3)

5590

M.1.e.

K223

M.1.f.

Includes interest-bearing and noninterest-bearing demand deposits.
The dollar amounts used as the basis for reporting in Memorandum items 1.c.(1) and (2) reflect the deposit insurance limits in effect
on the report date.

FFIEC 031
Page RC-20

34

Schedule RC-E—Continued
Part I. Continued
Memoranda—Continued
Dollar Amounts in Thousands
2. Components of total nontransaction accounts (sum of Memorandum items 2.a through 2.d must
equal item 7, column C above):
a. Savings deposits:
(1) Money market deposit accounts (MMDAs) .............................................................................
(2) Other savings deposits (excludes MMDAs) ............................................................................
b. Total time deposits of less than $100,000 .....................................................................................
c. Total time deposits of $100,000 through $250,000 .......................................................................
d. Total time deposits of more than $250,000 ...................................................................................
e. Individual Retirement Accounts (IRAs) and Keogh Plan accounts of $100,000 or more
included in Memorandum items 2.c and 2.d above .......................................................................
3. Maturity and repricing data for time deposits of less than $100,000:
a. Time deposits of less than $100,000 with a remaining maturity or next repricing date of: 1, 2
(1) Three months or less ..............................................................................................................
(2) Over three months through 12 months ...................................................................................
(3) Over one year through three years .........................................................................................
(4) Over three years .....................................................................................................................
b. Time deposits of less than $100,000 with a REMAINING MATURITY of one year or less
(included in Memorandum items 3.a.(1) and 3.a.(2) above)3 ........................................................
4. Maturity and repricing data for time deposits of $100,000 or more:
a. Time deposits of $100,000 or more with a remaining maturity or next repricing date of: 1, 4
(1) Three months or less ..............................................................................................................
(2) Over three months through 12 months ...................................................................................
(3) Over one year through three years .........................................................................................
(4) Over three years .....................................................................................................................
b. Time deposits of $100,000 through $250,000 with a REMAINING MATURITY of one year
or less (included in Memorandum items 4.a.(1) and 4.a.(2) above)3 ......................................
c. Time deposits of more than $250,000 with a REMAINING MATURITY of one year or less
(included in Memorandum items 4.a.(1) and 4.a.(2) above)3 ...................................................
1
2
3
4

RCON

Bil

Mil

Thou

6810
0352
6648
J473
J474

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

F233

M.2.e.

A579
A580
A581
A582

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

A241

M.3.b.

A584
A585
A586
A587

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

K221

M.4.b.

K222

M.4.c.

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

Part II. Deposits in Foreign Offices (including Edge and
Agreement subsidiaries and IBFs)
Dollar Amounts in Thousands
Deposits of:
1. Individuals, partnerships, and corporations (include all certified and official checks) ........................
2. U.S. banks (including IBFs and foreign branches of U.S. banks) and other U.S. depository
institutions ..........................................................................................................................................
3. Foreign banks (including U.S. branches and agencies of foreign banks, including their IBFs) .........
4. Foreign governments and official institutions (including foreign central banks) .................................
5. U.S. Government and states and political subdivisions in the U.S. ...................................................
6. Total (sum of items 1 through 5) (must equal Schedule RC, item 13.b).............................................
Memorandum

Dollar Amounts in Thousands

RCFN

Bil

Mil

Thou

B553

1.

B554
2625
2650
B555
2200

2.
3.
4.
5.
6.

RCFN

1. Time deposits with a remaining maturity of one year or less (included in Part II, item 6 above) ....... A245

Bil

Mil

Thou

M.1.

FFIEC 031
Page RC-21

35

Schedule RC-F—Other Assets
Dollar Amounts in Thousands

RCFD

Bil

Mil

Thou

1. Accrued interest receivable1 ..............................................................................................................
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:
a. General account life insurance assets ......................................................................................
b. Separate account life insurance assets ....................................................................................
c. Hybrid account life insurance assets ........................................................................................
6. All other assets (itemize and describe amounts greater than $25,000 that exceed 25 percent of
this item).............................................................................................................................................
a. Prepaid expenses (excluding prepaid assessments) .............................. 2166
b. Repossessed personal property (including vehicles) .............................. 1578
c. Derivatives with a positive fair value held for purposes other than
trading ..................................................................................................... C010
d. Retained interests in accrued interest receivable related to securitized
credit cards .............................................................................................. C436
e. FDIC loss-sharing indemnification assets ............................................... J448
f. Prepaid deposit insurance assessments ................................................. J449
TEXT
3549
g. 3549
TEXT
3550
h. 3550
TEXT
3551
i. 3551
7. Total (sum of items 1 through 6) (must equal Schedule RC, item 11) ................................................

B556
2148

1.
2.

A519
A520
1752

3.a.
3.b.
4.

K201
K202
K270

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

2168

6.
6.a.
6.b.
6.c.
6.d.
6.e.
6.f.
6.g,
6.h.
6.i.
7.

2160

Schedule RC-G—Other Liabilities
Dollar Amounts in Thousands
1. a. Interest accrued and unpaid on deposits in domestic offices 5 ......................................................
b. Other expenses accrued and unpaid (includes accrued income taxes
payable).........................................................................................................................................
2. Net deferred tax liabilities2 .................................................................................................................
3. Allowance for credit losses on off-balance-sheet credit exposures ...................................................
4. All other liabilities (itemize and describe amounts greater than $25,000 that exceed 25 percent of
this item).............................................................................................................................................
a. Accounts payable .................................................................................... 3066
b. Deferred compensation liabilities ............................................................ C011
c. Dividends declared but not yet payable .................................................. 2932
d. Derivatives with a negative fair value held for purposes other than
trading ..................................................................................................... C012
TEXT
3552
e. 3552
TEXT
3553
f. 3553
TEXT
3554
g. 3554
5. Total (sum of items 1 through 4) (must equal Schedule RC, item 20)................................................
1
2
3
4
5

RCON

Bil

Mil

Thou

3645

1.a.

RCFD

3646
3049
B557

1.b.
2.
3.

2938

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

2930

Include accrued interest receivable on loans, leases, debt securities, and other interest-bearing assets.
See discussion of deferred income taxes in Glossary entry on “income taxes.”
Report interest-only strips receivable in the form of a security as available-for-sale securities in Schedule RC, item 2.b, or as trading assets
in Schedule RC, item 5, as appropriate.
Include Federal Reserve stock, Federal Home Loan Bank stock, and bankers’ bank stock.
For savings banks, include “dividends” accrued and unpaid on deposits.

4.d.
4.e.
4.f.
4.g.
5.

FFIEC 031
Page RC-22

36

Schedule RC-H—Selected Balance Sheet Items for Domestic Offices
Domestic Offices
Dollar Amounts in Thousands
1. and 2. Not applicable
3. Securities purchased under agreements to resell ..............................................................................
4. Securities sold under agreements to repurchase...............................................................................
5. Other borrowed money ......................................................................................................................
EITHER
6. Net due from own foreign offices, Edge and Agreement subsidiaries, and IBFs ...............................
OR
7. Net due to own foreign offices, Edge and Agreement subsidiaries, and IBFs ...................................
8. Total assets (excludes net due from foreign offices, Edge and Agreement subsidiaries, and
IBFs) ..................................................................................................................................................
9. Total liabilities (excludes net due to foreign offices, Edge and Agreement subsidiaries, and
IBFs) ..................................................................................................................................................
(Column A)
Amortized Cost of
Held-to-Maturity
Securities
Dollar Amounts in Thousands
10. U.S. Treasury securities ...............................................................................
11. U.S. Government agency obligations (exclude mortgage-backed
securities) .....................................................................................................
12. Securities issued by states and political subdivisions in the U.S. ................
13. Mortgage-backed securities (MBS):
a. Mortgage pass-through securities:
(1) Issued or guaranteed by FNMA, FHLMC, or GNMA.........................
(2) Other mortgage pass-through securities...........................................
b. Other mortgage-backed securities (include CMOs, REMICs, and
stripped MBS):
(1) Issued or guaranteed by U.S. Government agencies or
sponsored agencies1......................................................................
(2) All other mortgage-backed securities................................................
14. Other domestic debt securities (include domestic structured financial
products and domestic asset-backed securities) .........................................
15. Foreign debt securities (include foreign structured financial products
and foreign asset-backed securities) ...........................................................
16. Investments in mutual funds and other equity securities with readily
determinable fair values ...............................................................................
17. Total held-to-maturity and available-for-sale securities (sum of
items 10 through 16) ....................................................................................

RCON

Bil

Mil

RCON

Bil

Mil

Thou

B989
B995
3190

3.
4.
5.

2163

6.

2941

7.

2192

8.

3129

9.

(Column B)
Fair Value of
Available-for-Sale
Securities

Thou RCON

Bil

Mil

Thou

0211

1287

10.

8492
8496

8495
8499

11.
12.

G389
1709

G390
1713

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

G393
1733

G394
1736

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

G397

G398

14.

G399

G400

15.

A511

16.

1773

17.

1754

RCON

Bil

Mil

Thou

18. Equity securities that do not have readily determinable fair values ................................................... 1752
1

U.S. Government agencies include, but are not limited to, such agencies as the Government National Mortgage Association (GNMA), the
Federal Deposit Insurance Corporation (FDIC), and the National Credit Union Administration (NCUA). U.S. Government-sponsored agencies
include, but are not limited to, such agencies as the Federal Home Loan Mortgage Corporation (FHLMC) and the Federal National Mortgage
Association (FNMA).

18.

FFIEC 031
Page RC-23

37

Schedule RC-I—Assets and Liabilities of IBFs
To be completed only by banks with IBFs and other “foreign” offices.

Dollar Amounts in Thousands RCFN
1. Total IBF assets of the consolidated bank (component of Schedule RC, item 12) ........................... 2133
2. Total IBF liabilities (component of Schedule RC, item 21) ................................................................ 2898

Bil

Mil

Thou

1.
2.

Schedule RC-K—Quarterly Averages1
Dollar Amounts in Thousands
ASSETS
1. Interest-bearing balances due from depository institutions .......................................................
2. U.S. Treasury securities and U.S. Government agency obligations 2 (excluding mortgagebacked securities) .....................................................................................................................
3. Mortgage-backed securities2 ....................................................................................................
4. All other securities 2, 3 (includes securities issued by states and political subdivisions in
the U.S.) ...................................................................................................................................
5. Federal funds sold and securities purchased under agreements to resell ................................
6. Loans:
a. Loans in domestic offices:
(1) Total loans ......................................................................................................................
(2) Loans secured by real estate:
(a) Loans secured by 1–4 family residential properties ................................................
(b) All other loans secured by real estate .....................................................................
(3) Loans to finance agricultural production and other loans to farmers .............................
(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) ........................................................................
b. Total loans in foreign offices, Edge and Agreement subsidiaries, and IBFs ............... RCFN
7. Trading assets ................................................................................................................. RCFD
8. Lease financing receivables (net of unearned income)................................................... RCFD
9. Total assets 4 ................................................................................................................... RCFD
LIABILITIES
10. Interest-bearing transaction accounts in domestic offices (interest-bearing demand
deposits, NOW accounts, ATS accounts, and telephone and preauthorized transfer
accounts) .................................................................................................................................
11. Nontransaction accounts in domestic offices:
a. Savings deposits (includes MMDAs) ....................................................................................
b. Time deposits of $100,000 or more ......................................................................................
c. Time deposits of less than $100,000 ....................................................................................
12. Interest-bearing deposits in foreign offices, Edge and Agreement subsidiaries,
and IBFs ........................................................................................................................ RCFN
13. Federal funds purchased and securities sold under agreements to repurchase ............. RCFD
14. Other borrowed money (includes mortgage indebtedness and obligations under
capitalized leases)............................................................................................................ RCFD

1
2
3
4

RCFD

Tril

Bil

Mil

Thou

3381

1.

B558
B559

2.
3.

B560
3365

4.
5.

RCON

3360

6.a.(1)

3465
3466
3386
3387

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

B561

6.a.(5)(a)

B562
3360
3401
3484
3368

6.a.(5)(b)
6.b.
7.
8.
9.

RCON

3485

10.

B563
A514
A529

11.a
11.b
11.c.

3404
3353

12.
13.

3355

14.

For all items, banks have the option of reporting either (1) an average of DAILY figures for the quarter, or (2) an average of WEEKLY figures
(i.e., the Wednesday of each week of the quarter).
Quarterly averages for all debt securities should be based on amortized cost.
Quarterly averages for all equity securities should be based on historical cost.
The quarterly average for total assets should reflect all debt securities (not held for trading) at amortized cost, equity securities with readily
determinable fair values at the lower of cost or fair value, and equity securities without readily determinable fair values at historical cost.

FFIEC 031
Page RC-24

Schedule RC - L

38

Derivatives and Off - Balance Sheet Items

[

]

Please read carefully the instructions for the preparation of Schedule RC-L. Some of the amounts
reported in Schedule RC-L are regarded as volume indicators and not necessarily as measures of risk.
Dollar Amounts in Thousands I RCFD I
1. Unused commitments:
a. Revolving, open-end lines secured by 1-4 family residential properties, e.g., home equity
lines...............................................................................................................................................
Items 1.a.(1) and 1.a.(2) are to be completed for the December report only.
(1) Unused commitments for Home Equity Conversion Mortgage (HECM) reverse mortgages
outstanding that are held for investment in domestic offices (included in item l.a above) .....
(2) Unused commitments for proprietary reverse mortgages outstanding that are held
for investment in domestic offices (included in item l.a. above) .......................... ...................

r38 1 4l

Bil

j

Mil

Thou

I

I I

I

I

1

l.a.(l)

I

1

1.a.(2)

I

I

RCON

.J4771

.J478
RCFD

b . Credit card lines ............................................................................................................................. 3815j
Items I .b. (1) and I .b. (2) are to be completed by banks with either $300 million or more in
total assets or $300 million or more in credit card lines.’ (Sum of items 1. b. (1) and 1 .b. (2)

I

must equal item 1.b)
(1) Unused consumer credit card lines ............................................................................ ........... ...J455
(2) Other unused credit card lines .................................................................................................
c. Commitments to fund commercial real estate, construction, and land development loans:

Aili

(1) Secured by real estate:
I
’
’
(a) 1-4 family residential construction loan commitments ......................................... ............. F164
(b) Commercial real estate, other construction loan, and land development loan
commitments..................................................................................................................... FIGS
(2) NOT secured by real estate ..................................................................................................... 6550
d . Securities underwriting ................................. ................................................................................. .3817
e. Other unused commitments:
(1) Commercial and industrial loans ............................................................................ .................. J457
(2) Loans to financial institutions ................................................................................................... J458
(3) All other unused commitments ................................................................................................. J459
2. Financial standby letters of credit ............... .................................................................................. ...... 3819!
________________________
Item 2.a is to be completed by banks with $1 billion or more in total assets. 1

I

I

j

a. Amount of financial standby letters of credit conveyed to others ............ .3820
3. Performance standby letters of credit ................................................................................................ [i
Item 3 a is to be completed by banks with $1 billion or more in total assets.’
a. Amount of performance standby letters of credit conveyed to others ..... .3822
4. Commercial and similar letters of credit ......................................................................... ......... ........... 13411

I

5. Not applicable
6. Securities lent (including customers’ securities lent where the customer is indemnified against loss
bythe reporting bank) ......................................................................................................................... jj 3433
(Column A)
Sold Protection
7. Credit derivatives:

t
RCFD

MiI

a Notional amounts
(1) Credit default swaps ..................................
(2) Total return swaps......................................
(3) Credit options..............................................
(4) Other credit derivatives ............................... C974
.......
bGross fair
v alues. .
C219
(1) Gross positive fair value
(2) Gross negative fair value ............................ C220

I

I

I

I

-

I

1.b.

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

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

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

,......j

2.a.

I

3.a.
4.

I

I

6.

(Column B)
Purchased Protection

Thou

RCFDI

Thou

ii

..

C969
C971
C973
C975

I
I
£

.

.

.

7.a.(l)
7.a.(2)

I

’

C221
C222

e1I"

.iL

I

I
JJ
WII
_____________
-

U

1 The asset size test and the $300 million credit card lines test are generally based on the total assets and credit card lines reported in the
June 30, 2010, Report of Condition.

l.a.

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

1
I

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

FFIEC 031
Page RC-25

39

Schedule RC-L—Continued
Dollar Amounts in Thousands
7. c. Notional amounts by regulatory capital treatment:1
(1) Positions covered under the Market Risk Rule:
(a) Sold protection..................................................................................................................
(b) Purchased protection........................................................................................................
(2) All other positions:
(a) Sold protection..................................................................................................................
(b) Purchased protection that is recognized as a guarantee for regulatory capital
purposes ..........................................................................................................................
(c) Purchased protection that is not recognized as a guarantee for regulatory capital
purposes ..........................................................................................................................

RCFD

Bil

Mil

Thou

G401
G402
5591
G403

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

G404

7.c.(2)(b)

G405

7.c.(2)(c)

7.c.(2)(a)

Remaining Maturity of:
(Column A)
One Year or Less
Dollar Amounts in Thousands
7. d. Notional amounts by remaining maturity:
(1) Sold credit protection:2
(a) Investment grade ..................................
(b) Subinvestment grade............................
(2) Purchased credit protection:3
(a) Investment grade ..................................
(b) Subinvestment grade............................

RCFD

Bil

Mil

(Column B)
Over One Year
Through Five Years

Thou RCFD

Bil

Mil

(Column C)
Over Five Years

Thou RCFD

Bil

Mil

Thou

G406
G409

G407
G410

G408
G411

7.d.(1)(a)
7.d.(1)(b)

G412
G415

G413
G416

G414
G417

7.d.(2)(a)
7.d.(2)(b)

RCFD

Bil

Mil

Thou

8. Spot foreign exchange contracts........................................................................................................ 8765
9. All other off-balance-sheet liabilities (exclude derivatives) (itemize and describe each component
of this item over 25 percent of Schedule RC, item 27.a, “Total bank equity capital”) ......................... 3430
a. Securities borrowed................................................................................ 3432
b. Commitments to purchase when-issued securities ................................ 3434
c. Standby letters of credit issued by a Federal Home Loan Bank on the
bank’s behalf .......................................................................................... C978
TEXT
3555
d. 3555
TEXT
3556
e. 3556
TEXT
3557
f. 3557
10. All other off-balance-sheet assets (exclude derivatives) (itemize and
describe each component of this item over 25 percent of Schedule RC,
5591
item 27.a, “Total bank equity capital”) .........................................................
a. Commitments to sell when-issued securities ......................................... 3435
TEXT
5592
b. 5592
TEXT
5593
c. 5593
TEXT
5594
d. 5594
TEXT
5595
e. 5595
RCFD
11. Year-to-date merchant credit card sales volume:
a. Sales for which the reporting bank is the acquiring bank ........................................................ C223
b. Sales for which the reporting bank is the agent bank with risk................................................ C224

1
2
3

Tril

8.
9.
9.a.
9.b.
9.c.
9.d.
9.e.
9.f.

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

Mil

Sum of items 7.c.(1)(a) and 7.c.(2)(a), must equal sum of items 7.a.(1) through (4), column A. Sum of items 7.c.(1)(b), 7.c.(2)(b), and
7.c.(2)(c) must equal sum of items 7.a.(1) through (4), column B.
Sum of items 7.d.(1)(a) and (b), columns A through C, must equal sum of items 7.a.(1) through (4), column A.
Sum of items 7.d.(2)(a) and (b), columns A through C, must equal sum of items 7.a.(1) through (4), column B.

Thou

11.a.
11.b.

FFIEC 031
Page RC-26

40

Schedule RC-L—Continued

Dollar Amounts in Thousands
Derivatives Position Indicators
12. Gross amounts (e.g., notional
amounts) (for each column, sum of
items 12.a through 12.e must equal
sum of items 13 and 14):
a. Futures contracts.............................
b. Forward contracts............................
c. Exchange-traded option contracts:
(1) Written options ..........................
(2) Purchased options ....................
d. Over-the-counter option contracts:
(1) Written options ..........................

(Column A)
Interest Rate
Contracts
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

RCFD 8693

RCFD 8694

RCFD 8695

RCFD 8696

RCFD 8697

RCFD 8698

RCFD 8699

RCFD 8700

RCFD 8701

RCFD 8702

RCFD 8703

RCFD 8704

RCFD 8705

RCFD 8706

RCFD 8707

RCFD 8708

RCFD 8709

RCFD 8710

RCFD 8711

RCFD 8712

RCFD 8713

RCFD 8714

RCFD 8715

RCFD 8716

RCFD 3450

RCFD 3826

RCFD 8719

RCFD 8720

RCFD A126

RCFD A127

RCFD 8723

RCFD 8724

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

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

12.d.(2)
12.e.
13.
RCFD 8725

RCFD 8726

RCFD 8727

RCFD 8728

14.
RCFD A589

14.a.

RCFD 8733

RCFD 8734

RCFD 8735

RCFD 8736

RCFD 8737

RCFD 8738

RCFD 8739

RCFD 8740

15.a.(1)
15.a.(2)
RCFD 8741

RCFD 8742

RCFD 8743

RCFD 8744

RCFD 8745

RCFD 8746

RCFD 8747

RCFD 8748

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

FFIEC 031

Page RC-27

41

[

]

Schedule RC-LContinued

u _. . ___.

Item 16 is to be completed only by banks with total assets of $10 billion or more.’

(Column A)
Banks and Securities
Firms
Dollar Amounts in Thousands
16. Over-the-counter derivatives:
a. Net current credit exposure.........................
b. Fair value of collateral:
(1) CashU.S. dollar .................................
(2) CashOther currencies.
(3) U.S. Treasury securities........................
(4) U.S. Government agency and
U.S. Government-sponsored agency
debt securities.......................................
(5) Corporate bonds ...................................
(6) Equity securities....................................
(7) All other collateral .................................
(8) Total fair value of collateral (sum of
items 16.b.(1) through (7)) ....................

1

RCFD

Bit

Mil

Thou
:

(Column B)
Monoline Financial
Guarantors

RCFD

G419

0423
G428
G433

G424
G429
1G4341

.__

I

1 0439 TTT

G438
G443
G448
0453
.

Thou

RCFD

Thou

Mu

Bit

RCFD

Bil

Mu

Thou

(Column E)
Corporations and All
Other Counterparties
RCFD

Mu

Bit

Thou

-

G418

G458

Mil

Bit

(Column D)
Sovereign
Governments

(Column C)
Hedge Funds

G420

G421

G422

16.a.

G425
0430
!G4351

G426
G431
G436 1

0427
G432
G437

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

0442
G447
G452
G457
G462

I

I

104401TT

r

G444
0449
G454

G445
G450
G455

G441
G446
0451
G456

G459

G460

0461

Mimn

The $10 billion asset size test is generally based on the total assets reported on the June 30, 201ft, Report of Condition.

-

16. b. (4)
16. b. (5)
16. b. (6)
1 6.b.(7)
16.b.(8)

FFIEC 031
Page RC-28

42

Schedule RC-M—Memoranda
Dollar Amounts in Thousands
1. Extensions of credit by the reporting bank to its executive officers, directors, principal
shareholders, and their related interests as of the report date:
a. Aggregate amount of all extensions of credit to all executive officers, directors, principal
shareholders, and their related interests .......................................................................................
b. Number of executive officers, directors, and principal shareholders to whom the amount of all
extensions of credit by the reporting bank (including extensions of credit to
Number
related interests) equals or exceeds the lesser of $500,000 or 5 percent
6165
of total capital as defined for this purpose in agency regulations ......................
2. Intangible assets other than goodwill:
a. Mortgage servicing assets.............................................................................................................
(1) Estimated fair value of mortgage servicing assets ............................ A590
b. Purchased credit card relationships and nonmortgage servicing assets ......................................
c. All other identifiable intangible assets ...........................................................................................
d. Total (sum of items 2.a, 2.b, and 2.c) (must equal Schedule RC, item 10.b) ................................
3. Other real estate owned:
a. Construction, land development, and other land in domestic offices ............................................
b. Farmland in domestic offices.........................................................................................................
c. 1– 4 family residential properties in domestic offices.....................................................................
d. Multifamily (5 or more) residential properties in domestic offices..................................................
e. Nonfarm nonresidential properties in domestic offices..................................................................
f. Foreclosed properties from “GNMA loans” ....................................................................................

RCFD

Bil

Mil

Thou

6164

1.a.

1.b.
3164
B026
5507
0426

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

RCON

5508
5509
5510
5511
5512
C979

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

RCFN

g. In foreign offices ............................................................................................................................ 5513

3.g.

RCFD

h. Total (sum of items 3.a through 3.g) (must equal Schedule RC, item 7) .......................................
4. Not applicable
5. Other borrowed money:
a. Federal Home Loan Bank advances:
(1) Advances with a remaining maturity or next repricing date of:1
(a) One year or less ...............................................................................................................
(b) Over one year through three years...................................................................................
(c) Over three years through five years .................................................................................
(d) Over five years .................................................................................................................
(2) Advances with a REMAINING MATURITY of one year or less (included in item 5.a.(1)(a)
above)2 ...................................................................................................................................
(3) Structured advances (included in items 5.a.(1)(a) – (d) above) ..............................................
b. Other borrowings:
(1) Other borrowings with a remaining maturity or next repricing date of:3
(a) One year or less ...............................................................................................................
(b) Over one year through three years...................................................................................
(c) Over three years through five years .................................................................................
(d) Over five years .................................................................................................................
(2) Other borrowings with a REMAINING MATURITY of one year or less (included in
item 5.b.(1)(a) above)4 ............................................................................................................
c. Total (sum of items 5.a.(1)(a)–(d) and items 5.b.(1)(a)–(d)) (must equal Schedule RC,
item 16) .........................................................................................................................................
1
2
3
4

2150

3.h.

F055
F056
F057
F058

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

2651
F059

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

F060
F061
F062
F063

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

B571

5.b.(2)

3190

5.c.

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

FFIEC 031
Page RC-29

43

Schedule RC-M—Continued
Dollar Amounts in Thousands

RCFD

Yes

No

6. Does the reporting bank sell private label or third-party mutual funds and annuities? ...................... B569
RCFD

6.
Bil

Mil

Thou

7. Assets under the reporting bank’s management in proprietary mutual funds and annuities.............. B570

7.

8. Primary Internet Web site address of the bank (home page), if any
(Example: www.examplebank.com)
TEXT http://
4087

8.

RCFD
9. Do any of the bank’s Internet Websites have transactional capability, i.e., allow the bank’s
customers to execute transactions on their accounts through the Website? ..................................... 4088

10. Secured liabilities:
RCON
a. Amount of ‘‘Federal funds purchased in domestic offices” that are secured (included in
Schedule RC, item 14.a) ............................................................................................................... F064
RCFD
b. Amount of ‘‘Other borrowings” that are secured (included in Schedule RC-M,
items 5.b.(1)(a)–(d)) ...................................................................................................................... F065

Yes

9.

Bil

Mil

Thou

10.a.
10.b.

RCON
11. Does the bank act as trustee or custodian for Individual Retirement Accounts, Health
Savings Accounts, and other similar accounts? ................................................................................. G463
12. Does the bank provide custody, safekeeping, or other services involving the acceptance of
orders for the sale or purchase of securities? .................................................................................... G464

Yes

RCON

Bil

13. Assets covered by loss-sharing agreements with the FDIC:
a. Loans and leases (included in Schedule RC, items 4.a and 4.b):
(1) Loans secured by real estate in domestic offices:
(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 ........
(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 ...............................

No

No

11.
12.
Mil

Thou

K169
K170
K171

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

K172

13.a.(1)(c)(1)

K173
K174
K175

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

K176
K177

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

RCFD

(2) Loans to finance agricultural production and other loans to farmers.............................
(3) Commercial and industrial loans ........................................................................................
(4) Loans to individuals for household, family, and other personal expenditures:
(a) Credit cards.....................................................................................................................
(b) Automobile loans ...........................................................................................................
(c) Other consumer loans (includes single payment, installment, all student loans,
and revolving credit plans other than credit cards) ....................................................

K178
K179

13.a.(2)
13.a.(3)

K180
K181

13.a.(4)(a)
13.a.(4)(b)

K182

13.a.(4)(c)

FFIEC 031
Page RC-30

[44]

Schedule RC-MContinued
Dollar Amounts in Thousands I RCFD I
13. a. (5) All other loans and all leases...............................................................................................

811

I Mil I Thou

I K183

13.a.(5)

Itemize the categories of loans and leases (as defined in Schedule RC-C, part 1)
included in item 13.a.(5) above that exceed 10 percent of total loans and leases covered
by loss-sharing agreements with the FDIC (sum of items 13.a.(1) through (5)):
(a) Loans to depository institutions and acceptances of other banks........................... Ki 84
(b) Loans to foreign governments and official institutions ............................................. K185
(c) Other loans’ .................................................................................................................... Ki 86
K273
(d) Lease financing receivables..........................................................................................

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

RCFN

(e) Loans secured by real estate in foreign offices ...............................
b. Other real estate owned (included in Schedule RC, item 7):
(1) Construction, land development, and other land in domestic offices..
(2) Farmland in domestic offices ...................................................................
(3) 1-4 family residential properties in domestic offices ............................
(4) Multifamily (5 or more) residential properties in domestic offices .......
(5) Nonfarm nonresidential properties in domestic offices ........................

K290

1 3.a.(5)(e)

RCON

K187
Ki 88
Ki 89
K190
K191

13.b.(1)
13.b.(2)
13.b.(3)
13.b.(4)
13.b.(5)

RCFN

(6) In foreign offices...........................................................................................................
(7) Portion of covered other real estate owned included in items 13.b.(1) through (6)
above that is protected by FDIC loss-sharing agreements .......................................
c. Debt securities (included in Schedule RC, items 2.a and 2.b).........................................
d. Other assets (exclude FDIC loss-sharing indemnification assets) ................................

K260
K192
J461
J462

14. Captive insurance and reinsurance subsidiaries:
a. Total assets of captive insurance subsidiaries 2 ...............................................................
K TiI naap lC rsf ’-rtiij
in"rni
c,,hidiri
2. ....................................................................K 194 ,

I
2

Includes "Obligations (other than securities and leases) of states and political subdivisions in the U.S." and "Loans to nondepository financial institutions an other loans."
Report total assets before eliminating intercompany transactions between the consolidated insurance or reinsurance subsidiary
and other offices or consolidated subsidiaries of the reporting bank.

1050,1 CA,

13.b.(6)

RCF D

13.b.(7)
13.c.
13.d.
14.a.
14.b.

INSERT A – FFIEC 031 – SCHEDULE RC-M, ITEM 15

Item 15 is to be completed by institutions that are required or have elected to be
treated as a Qualified Thrift Lender.
15. Qualified Thrift Lender (QTL) test:
a. Does the institution use the Home Owners’ Loan Act (HOLA) QTL test
or the Internal Revenue Service Domestic Building and Loan
Association (IRS DBLA) test to determine its QTL compliance?
(for the HOLA QTL test, enter 1; for the IRS DBLA test, enter 2) ...........
b. Has the institution been in compliance with the HOLA QTL test as of
each month end during the quarter or the IRS DBLA test for its most
recent taxable year, as applicable? .........................................................

Number
XXXX

Yes
XXXX

No

FFIEC 031
Page RC-31

45

Schedule RC-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 ................................................
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. Automobile loans ............................................
c. Other consumer loans (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 ........................................................

RCON

Bil

Mil

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

Thou RCON

Bil

Mil

(Column C)
Nonaccrual

Thou RCON

Bil

Mil

Thou

F172

F174

F176

1.a.(1)

F173
3493

F175
3494

F177
3495

1.a.(2)
1.b.

5398

5399

5400

1.c.(1)

C236
C238

C237
C239

C229
C230

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

3499

3500

3501

1.d.

3502

3503

3504

F178

F180

F182

1.e.(1)
1.e.(2)

F179

F181

F183

RCFN

RCFN

RCFN

B572

B573

B574

RCFD

RCFD

RCFD

5377
5380

5378
5381

5379
5382

2.a.
2.b.

1594

1597

1583

3.

1251
1254

1252
1255

1253
1256

4.a.
4.b.

B575
K213

B576
K214

B577
K215

5.a.
5.b.

K216

K217

K218

5.c.

5389
5459

5390
5460

5391
5461

6.
7.

1.f.

FFIEC 031
Page RC-32

46

Schedule RC-N—Continued

Amounts reported in Schedule RC-N, items 1 through 8, include guaranteed and unguaranteed portions of past due and nonaccrual loans
and leases. Report in items 10 and 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
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. Loans and leases reported in items 1 through 8
above that are wholly or partially guaranteed
by the U.S. Government, excluding loans and
leases covered by loss-sharing agreements
with the FDIC .......................................................
a. Guaranteed portion of loans and leases
included in item 10 above, excluding
rebooked “GNMA loans” ................................
b. Rebooked “GNMA loans” that have been
repurchased or are eligible for repurchase
included in item 10 above..............................
11. Loans and leases reported in items 1 through
8 above that are covered by loss-sharing
agreements with the FDIC:
a. Loans secured by real estate in domestic
offices:
(1) Construction, land development, and
other land loans:
(a) 1–4 family residential construction
loans ...................................................
(b) Other construction loans and all
land development and other land
loans ...................................................
(2) Secured by farmland ...............................
(3) Secured by 1–4 family residential
properties:
(a) Revolving, open-end loans secured
by 1–4 family residential properties
and extended under lines of credit ..
(b) Closed-end loans secured by
1–4 family residential properties:
(1) Secured by first liens ..................
(2) Secured by junior liens...............
(4) Secured by multifamily (5 or more)
residential properties ..............................

RCFD

Bil

Mil

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

Bil

Mil

(Column C)
Nonaccrual

Thou RCFD

Bil

Mil

Thou

F166
F169

F167
F170

F168
F171

8.a.
8.b.

3505

3506

3507

9.

K036

K037

K038

10.

K039

K040

K041

10.a.

K042

K043

K044

10.b.

RCON

RCON

RCON

K045

K046

K047

11.a.(1)(a)

K048
K051

K049
K052

K050
K053

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

K054

K055

K056

11.a.(3)(a)

K057
K060

K058
K061

K059
K062

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

K063

K064

K065

11.a.(4)

FFIEC 031
Page RC-33

47

Schedule RC-N—Continued
(Column A)
Past due
30 through 89
days and still
accruing
Dollar Amounts in Thousands
11. a. (5) Secured by nonfarm nonresidential
properties:
(a) Loans secured by owner-occupied
nonfarm nonresidential properties ..
(b) Loans secured by other nonfarm
nonresidential properties .................
b. Loans to finance agricultural production
and other loans to farmers ............................
c. Commercial and industrial loans ..................
d. Loans to individuals for household, family,
and other personal expenditures:
(1) Credit cards ..............................................
(2) Automobile loans .....................................
(3) Other consumer loans (includes single
payment, installment, all student loans,
and revolving credit plans other than
credit cards) .............................................
e. All other loans and all leases ........................
Itemize the past due and nonaccrual amounts
included in item 11.e above for the loan and
lease categories for which amounts were
reported in Schedule RC-M, items 13.a.(5)(a)
through (e):
(1) Loans to depository institutions and
acceptances of other banks....................
(2) Loans to foreign governments and
official institutions ...................................
(3) Other loans1 ..............................................
(4) Lease financing receivables ...................
(5) Loans secured by real estate in
foreign offices ..........................................
f. Portion of covered loans and leases
included in items 11.a through 11.e above
that is protected by FDIC loss-sharing
agreements .....................................................

1

RCON

K066

Bil

Mil

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

Thou RCON

K067

Bil

Mil

(Column C)
Nonaccrual

Thou RCON

Bil

Mil

Thou

K068

11.a.(5)(a)
11.a.(5)(b)

K069

K070

K071

RCFD

RCFD

RCFD

K072
K075

K073
K076

K074
K077

11.b.
11.c.

K078
K081

K079
K082

K080
K083

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

K084
K087

K085
K088

K086
K089

11.d.(3)
11.e.

K091

K092

K093

11.e.(1)

K095
K099
K269

K096
K100
K271

K097
K101
K272

11.e.(2)
11.e.(3)
11.e.(4)

RCFN

RCFN

RCFN

K291

K292

K293

RCFD

RCFD

RCFD

K102

K103

K104

Includes “Obligations (other than securities and leases) of states and political subdivisions in the U.S.” and “Loans to nondepository financial
institutions and other loans.”

11.e.(5)

11.f.

FFIEC 031
Page RC-34

48

Schedule RC-N—Continued
Memoranda
(Column A)
Past due
30 through 89
days and still
accruing
Dollar Amounts in Thousands

RCON

1. Loans restructured in troubled debt
restructurings included in Schedule RC-N,
items 1 through 7, above (and not reported in
Schedule RC-C, Part I, Memorandum item 1):
a. Construction, land development, and other
land loans in domestic offices:
(1) 1–4 family residential construction
loans........................................................... K105
(2) Other construction loans and all land
development and other land loans.......... K108
b. Loans secured by 1–4 family residential
properties in domestic offices ....................... F661
c. Secured by multifamily (5 or more)
residential properties in domestic offices .... K111
d. Secured by nonfarm nonresidential
properties in domestic offices:
(1) Loans secured by owner-occupied
nonfarm nonresidential properties ......... K114
(2) Loans secured by other nonfarm
nonresidential properties ......................... K117
RCFD
e. Commercial and industrial loans:
(1) To U.S. addressees (domicile) ................. K120
(2) To non-U.S. addressees (domicile) ......... K123
f. All other loans (include loans to individuals
for household, family, and other personal
expenditures) ................................................... K126
Itemize loan categories included in
Memorandum item 1.f, above that exceed
10 percent of total loans restructured in
troubled debt restructurings that are past due
30 days or more or in nonaccrual status (sum
of Memorandum items 1.a through 1.f,
columns A through C):
(1) Loans secured by farmland in domestic RCON
offices ........................................................ K130
RCFD
(2) Loans to depository institutions and
acceptances of other banks..................... K134
(3) Loans to finance agricultural
production and other loans to
farmers ...................................................... K138
(4) Loans to individuals for household,
family, and other personal
expenditures:
(a) Credit cards......................................... K274
(b) Automobile loans ............................... K277
(c) Other consumer loans (includes
single payment, installment, all
student loans, and revolving credit
plans other than credit cards) ........... K280

Bil

Mil

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

Bil

Mil

(Column C)
Nonaccrual

Thou RCON

Bil

Mil

Thou

K106

K107

M.1.a.(1)

K109

K110

M.1.a.(2)

F662

F663

M.1.b.

K112

K113

M.1.c.

K115

K116

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

K118

K119

RCFD

RCFD

K121
K124

K122
K125

M.1.e.(1)
M.1.e.(2)

K127

K128

M.1.f.

RCON

RCON

K131

K132

RCFD

RCFD

K135

K136

M.1.f.(2)

K139

K140

M.1.f.(3)

K275
K278

K276
K279

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

K281

K282

M.1.f.(4)(c)

M.1.f.(1)

FFIEC 031
Page RC-35

49

Schedule RC-N—Continued
Memoranda—Continued
(Column A)
Past due
30 through 89
days and still
accruing
Dollar Amounts in Thousands
1. f. (5) Loans to foreign governments and
official institutions ....................................
(6) Other loans1 ...............................................
(7) Loans secured by real estate in foreign
offices ........................................................
2. Loans to finance commercial real estate,
construction, and land development activities
(not secured by real estate) included in
Schedule RC-N, items 4 and 7, above ...................
3. Loans secured by real estate to non-U.S.
addressees (domicile) (included in
Schedule RC-N, item 1, above) .............................
4. Not applicable
5. Loans and leases held for sale and loans
measured at fair value (included in
Schedule RC-N, items 1 through 8, above):
a. Loans and leases held for sale .........................
b. Loans measured at fair value:
(1) Fair value ...................................................
(2) Unpaid principal balance.............................

RCFD

Bil

Mil

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

Mil

Thou

RCFD

Bil

Mil

Thou

K283
K286

K284
K287

K285
K288

RCFN

RCFN

RCFN

K294

K295

K296

RCFD

RCFD

RCFD

6558

6559

6560

M.2.

1248

1249

1250

M.3.

C240

C241

C226

M.5.a.

F664
F667

F665
F668

F666
F669

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

(Column A)
Past due 30
through 89 days
Dollar Amounts in Thousands

Bil

(Column C)
Nonaccrual

RCFD

6. Derivative contracts:
Fair value of amounts carried as assets ................ 3529

Bil

Mil

M.1.f.(5)
M.1.f.(6)
M.1.f.(7)

(Column B)
Past due 90
days or more

Thou RCFD

3530

Bil

Mil

Thou

M.6.
RCFD

Bil

Mil

Thou

7. Additions to nonaccrual assets during the quarter .............................................................................. C410
8. Nonaccrual assets sold during the quarter.......................................................................................... C411
1

Includes “Obligations (other than securities and leases) of states and political subdivisions in the U.S.” and “Loans to nondepository financial
institutions and other loans.”

M.7.
M.8.

FFIEC 031
Page RC-36

F
5O

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.

II, Memorandum items I and 5, and,
1i.~ETR

T3

Dollar Amounts in Thousands FRCFD

Bil

Mil

Thou

A
AA
AA AA
(including foreign deposits) .................................................................................................................
RCFN A A A
Total foreign deposits, including interest accrued and unpaid thereon (included in item 2
F234

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

Deposit Insurance Act and FDIC regulations ...................................................................................... F236
2. Total allowable exclusions, including interest accrued and unpaid on allowable exclusions
3.

above) .................................................................................................................................................

1.
2.
I

3.

RCFD

4. Average consolidated total assets ............ ............... .......... .................................................... ........ .K652
Number
a. Averaging method used (for daily averaging, enter 1, for weekly
averaging, enter 2) ... .................. ..................... _ ........ _ ....................... I K6531

I

I
Bil

5. Average tangible equity’ .......... ......... ........................ ........ .................................... ..........................

I

I K6541

I

4.
4.a.

Mil

Thou

--

6. Holdings of long-term unsecured debt issued by other FDIC-insured depository
institutions.............................................................................................................. .......................... .K655 I
7. Unsecured "Other borrowings" with a remaining maturity of (sum of items 7.a through 7.d must be
less than or equal to Schedule RC-M, items 5.b.(1)(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
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 ....................... .................................................... ................................................. 1G4691
b. Over one year through three years ..................................................................................................c. Over three years through five years..............................................................................................
d. Over five years ..............................................................................................................................
RCON
9. Reciprocal brokered deposits (included in Schedule RC-E, part I, Memorandum item 1.b) .............. .G803
10. Banker’s bank certification:
A A
RCFD YES
Does the reporting institution meet both the statutory definition of a banker’s bank and the
business conduct test set forth in FDIC regulations? .................................................................. .K656
ABil
If the answer to item 10 is "YES," complete items 10.a and 10.b
a. Banker’s bank deduction ............................................................. ..................... ............. ............. .K657
b. Banker’s bank deduction limit .... ............................................................................................... .K658,
11. Custodial bank certification:
YES
Does the reporting institution meet the definition of a custodial bank set forth in FDIC
regulations? .............................................................................................. ........................................ I1
Bil
If the answer to item 11 is "YES," complete items 11.a and 11.b
a. Custodial bank deduction ...........................................................................................................K660
b. Custodial bank deduction limit ................................................................. ................................ ..K661

1

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.

--S

A---

.

A--a

:.

--;

A-;.
--

S

S

-I

A_s.

---

A-.

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 15 on a fully consolidated basis.

FFIEC 031
Page RC-37

101

Schedule RC-OContinued
Memoranda
Dollar Amounts in Thousands

IRCONI Bil

I Mt I

Thou

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 .................. .F049
Number
(2) Number of deposit accounts (excluding retirement accounts)
F050
of $250,000 or less .............................................................................
b. Deposit accounts (excluding retirement accounts) of more than $250,000: 1
051
(1) Amount of deposit accounts (excluding retirement accounts) of more than $250,000.............F
Number
(2) Number of deposit accounts (excluding retirement accounts)
of more than $250,000 ............................................................... .......... .F052
c. Retirement deposit accounts of $250,000 or less: 1
(1) Amount of retirement deposit accounts of $250,000 or less .................... ................................ .F045
Number
046
(2) Number of retirement deposit accounts of $250,000 or less ..............F
d. Retirement deposit accounts of more than $250,000: 1
(1) Amount of retirement deposit accounts of more than $250,000...............................................F
Number
F048
(2) Number of retirement deposit accounts of more than $250,000.........

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

047

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

Memorandum item 2 is to be completed by banks with $1 billion or more in total assets. 2
2. Estimated amount of uninsured deposits in domestic offices of the bank and in insured branches
in Puerto Rico and U.S. territories and possessions, including related interest accrued and unpaid
(see instructions) 3 ...............................................................................................................................
3. Has the reporting institution been consolidated with a parent bank or savings association
in that parent bank’s or parent savings association’s Call Report or Thrift Financial Report?
If so, report the legal title and FDIC Certificate Number of the parent bank or parent savings
association:

LZ

jRcoNj

FDIC Cert. No.

I I I I
I Rc0N! Oil I MU I Thou J
A5451

Dollar Amounts in Thousands

M.3.

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 $250000.................................
Number
b Number of noninterest bearing transaction accounts of more than
$250,000 ..................................................................................................I5

I.

J.

I

1

2
3

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, 201V 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.

FFIEC 031
Page RC-38

52

Schedule RC-O—Continued
Amounts reported in Memorandum items 6 through 9, 14, and 15 will not be made available to the public on an
individual institution basis.
Memoranda—Continued
Dollar Amounts in Thousands
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:
a. Special mention ............................................................................................................................
b. Substandard .................................................................................................................................
c. Doubtful.........................................................................................................................................
d. Loss ...............................................................................................................................................
7. “Nontraditional 1–4 family residential mortgage loans” as defined for assessment purposes
only in FDIC regulations ...................................................................................................................
8. “Subprime consumer loans” as defined for assessment purposes only in FDIC regulations..
9. “Leveraged loans and securities” as defined for assessment purposes only in FDIC
regulations .........................................................................................................................................
10. Commitments to fund construction, land development, and other land loans secured by
real estate in domestic offices:
a. Total unfunded commitments .....................................................................................................
b. Portion of unfunded commitments guaranteed or insured by the U.S. government
(including the FDIC) .....................................................................................................................
11. Amount of other real estate owned recoverable from the U.S. government under guarantee
or insurance provisions (excluding FDIC loss-sharing agreements) ..........................................
12. Nonbrokered time deposits of more than $250,000 in domestic offices (included in
Schedule RC-E, Memorandum item 2.d) .........................................................................................
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
domestic offices ...........................................................................................................................
b. Loans secured by multifamily residential and nonfarm nonresidential properties in
domestic offices ...........................................................................................................................
c. Closed-end loans secured by first liens on 1-4 family residential properties in
domestic offices ...........................................................................................................................
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 ...................................................................................

RCFD

Bil

Mil

Thou

K663
K664
K665
K666

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

K675
K667

M.7.
M.8.

K668

M.9.

RCON

K676

M.10.a.

K677

M.10.b.

RCFD

K669

M.11.

RCON

K678

M.12.

K679

M.13.a.

K680

M.13.b.

K681

M.13.c.

K682

M.13.d.

RCFD

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)............................................................................. K672
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
15. Total amount of the institution’s 20 largest counterparty exposures .......................................... K674

M.13.e.
M.13.f.
M.13.g.

M.14.
M.15.

FFIEC 031
Page RC-39

F53

Schedule RC-P-1-4 Family Residential Mortgage
Banking Activities in Domestic Offices
Schedule RC-P is to be completed by (1) all banks with $1 billion or more in total assets’ and (2) banks with less than $1 billion
in total assets at which either 1-4 family residential mortgage loan originations and purchases for resale 2 from all sources, loan
sales, or quarter-end loans held for sale or trading 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..................................................................................................................

l.a
1 .b

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

2.a.
2.b.

immmm

(1) Total commitment under the lines of credit ............................................................................
(2) Principal amount funded under the lines of credit ..................................................................
4. 1-4 family residential mortgage loans held for sale or trading at quarter-end (included in
Schedule RC, items 4.a and 5):
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 RI, items 5.c, 51, 5.g, and 5.i):
a. Closed-end 1-4 family residential mortgage loans .......................................................................
b. Open-end 1-4 family residential mortgage loans extended under lines of credit .........................
6. Repurchases and indemnifications of 1-4 family residential mortgage loans during the
quarter
a. Closed-end first liens.....................................................................................................................
b. Closed-end junior liens..................................................................................................................
c. Open-end loans extended under line of credit:
(1) Total commitment under the lines of credit .............................................................................
(2) Principal amount funded under the lines of credit...................................................................

1
2

The $1 billion asset size test is generally based on the total assets reported on the June 30, 201 9, Report of Condition.
Exclude originations and purchases of 1-4 family residential mortgage loans that are held for investment.

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

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

5.a.
5.b.

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

FFIEC 031
Page RC-40

54

Schedule RC-Q—Assets and Liabilities Measured at Fair Value on a Recurring Basis
Schedule RC-Q is to be completed by banks that:
(1) Had total assets of $500 million or more as of the beginning of their fiscal year; or
(2) Had total assests of less than $500 million as of the beginning of their fiscal year and either:
(a) Have elected to report financial instruments or servicing assets and liabilities at fair value under a fair value option with changes in fair value recognized in
earnings, or
(b) Are required to complete Schedule RC-D, Trading Assets and Liabilities.
(Column A)
Total Fair Value
Reported on
Schedule RC
Dollar Amounts in Thousands
ASSETS
1. Available-for-sale securities .............................
2. Federal funds sold and securities purchased
under agreements to resell ..............................
3. Loans and leases held for sale ........................
4. Loans and leases held for investment..............
5. Trading assets:
a. Derivative assets .........................................
b. Other trading assets ....................................
(1) Nontrading securities at fair value
with changes in fair value reported in
current earnings (included in
Schedule RC-Q, item 5.b above) ..........
6. All other assets.................................................
7. Total assets measured at fair value on a
recurring basis (sum of items 1 through
5.b plus item 6).................................................
LIABILITIES
8. Deposits ...........................................................
9. Federal funds purchased and securities sold
under agreements to repurchase .....................
10. Trading liabilities:
a. Derivative liabilities ......................................
b. Other trading liabilities .................................
11. Other borrowed money ....................................
12. Subordinated notes and debentures ................
13. All other liabilities .............................................
14. Total liabilities measured at fair value on a
recurring basis (sum of items 8 through 13).....

RCFD

Bil

Mil

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

Thou RCFD

Bil

Mil

(Column C)
Level 1 Fair Value
Measurements

Thou RCFD

Bil

Mil

(Column D)
Level 2 Fair Value
Measurements

Thou RCFD

Bil

Mil

(Column E)
Level 3 Fair Value
Measurements

Thou RCFD

Bil

Mil

Thou

1773

G474

G475

G476

G477

1.

G478
G483
G488

G479
G484
G489

G480
G485
G490

G481
G486
G491

G482
G487
G492

2.
3.
4.

3543
G497

G493
G498

G494
G499

G495
G500

G496
G501

5.a.
5.b.

F240
G391

F684
G392

F692
G395

F241
G396

F242
G804

5.b.(1)
6.

G502
G502

G503
G503

G504
G504

G505
G505

G506
G506

7.

F252

F686

F694

F253

F254

8.

G507

G508

G509

G510

G511

9.

3547
G516
G521
G526
G805

G512
G517
G522
G527
G806

G513
G518
G523
G528
G807

G514
G519
G524
G529
G808

G515
G520
G525
G530
G809

10.a.
10.b.
11.
12.
13.

G531

G532

G533

G534

G535

14.

FFIEC 031
Page RC-41

55

Schedule RC-Q—Continued
(Column A)
Total Fair Value
Reported on
Schedule RC
Dollar Amounts in Thousands
Memoranda
1. All other assets (itemize and describe
amounts included in Schedule RC-Q, item 6,
that are greater than $25,000 and exceed
25% of item 6):
a. Mortgage servicing assets...........................
b. Nontrading derivative assets .......................
TEXT
c. G546
TEXT
d. G551
TEXT
e. G556
TEXT
f. G561
2. All other liabilities (itemize and describe
amounts included in Schedule RC-Q,
item 13, that are greater than $25,000 and
exceed 25% of item 13):
a. Loan commitments (not accounted for
as derivatives) .............................................
b. Nontrading derivative liabilities ....................
TEXT
c. G571
TEXT
d. G576
TEXT
e. G581
TEXT
f. G586

RCFD

Bil

Mil

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

Thou RCFD

Bil

Mil

(Column C)
Level 1 Fair Value
Measurements

Thou RCFD

Bil

Mil

(Column D)
Level 2 Fair Value
Measurements

Thou RCFD

Bil

Mil

(Column E)
Level 3 Fair Value
Measurements

Thou RCFD

Bil

Mil

Thou

G536
G541
G546
G551
G556
G561

G537
G542
G547
G552
G557
G562

G538
G543
G548
G553
G558
G563

G539
G544
G549
G554
G559
G564

G540
G545
G550
G555
G560
G565

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

F261
G566
G571
G576
G581
G586

F689
G567
G572
G577
G582
G587

F697
G568
G573
G578
G583
G588

F262
G569
G574
G579
G584
G589

F263
G570
G575
G580
G585
G590

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

FFiEC 031
Page RC-42

56]

Schedule RC-R-Regulatory Capital

[

Dollar Amounts in Thousands I RCFDI Bil

I

Mil

I

Thou

Tier I capital
1. Total bank equity capital (from Schedule RC, item 27.a) .................................................................... 321 0
2. LESS: Net unrealized gains (losses) on available-for-sale securities’ (if a gain, report as a
positive value; if a loss, report as a negative value) ........................................................................... .. 8434
3. LESS: Net unrealized loss on available-for-sale EQUITY securities 1 (report loss as a positive
value) .................................................................................................................................................. A221

1.
2.
3.

4. LESS: Accumulated net gains (losses) on cash flow hedges 1 (if a gain, report as a positive value;
if a loss, report as a negative value) ..................................................................................................
5. LESS: Nonqualifying perpetual preferred stock .................................................................................
6. Qualifying noncontrolling (minority) interests in consolidated subsidiaries ......................................... B 589
7. a. LESS: Disallowed goodwill and other disallowed intangible assets...
............................................ B590

4.
5.
6.
7.a.

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 banks own
creditworthiness (if a net gain, report as a positive value; if a net loss, report as a negative
value) ........................................................................................... ............................................. ...... F 264
8. Subtotal (sum of items 1 and 6, less items 2, 3, 4, 5, 7.a, and 7.b) .................................................... C 227
9. a. LESS: Disallowed servicing assets and purchased credit ca rd relationships ................................. B59 1
b. LESS: Disallowed deferred tax assets ...................................................... ...................................... 561 0
10. Other additions to (deductions from) Tier 1 capital ............................................................................. B5 92
11.Tier 1 capital (sum of items 8 and 10, less items 9.a and 9.b) ............................................................. 8274
Tier 2 capital
12. Qualifying subordinated debt and redeemable preferred stock .........................................................
13. Cumulative perpetual preferred stock includible in Tier 2 capital.......................................................
14.
15.
16.
17.
18.

1395

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

qpfq

for IPvArA
ri
rfio

,,
-

Replcc

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

MMMM
IMMMM
MMMM
MMMM
MMMM
MMMM
MMMM

Allowance for loan and lease losses includible in Tier 2 capital.........................................................
Unrealized gains on available-for-sale equity securities includible in Tier 2 capital...........................
Other Tier 2 capital components ........................................................................................................
Tier 2 capital (sum of items 12 through 16)........................................................................................
Allowable Tier 2 capital (lesser of item 11 or 17)...............................................................................

3792
RCFD

8
22.
tal assets (from Schedule RC-K, item 9) .................................................................
B59
23. LESS: Disallowe g
d other disallowed intangible assets (from item 7.a above)
24. LESS: Disallowed servicing assets an
d credit card relationshi s
B591
item 9.a above) .............................................................
25. LESS: Disallowed deferred tax as
em 9.b above) ........................ 5610
26. LESS: Other
rom assets for leverage capital purposes........................................
2
rage total assets for leverage capital purposes (item 22 less items 23 through 26)

I

Trii

I

Bli

I

Mil

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

1

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

17.
18.

I Thou

_23.

-

24.
25.
26.

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

-2Z

.

Adjustments for financial subsidiaries
28. a. Adjustment to Tier 1 capital reported in item 11 ..............
b. Adjustment to total risk-based capital reported in item 21
29. Adjustment to risk-weighted assets reported in item 62.......

12.
13.
14.
15.
16.

19.
20.
21.

B595

INjsL?T

I

RCFD

C228

Bil

Mil

Thou

B504

28.a.
28.b.
29.

B505

30.

B503

INSERT B – FFIEC 031 – SCHEDULE RC-R, ITEMS 22-27

22. Total assets (for banks, from Schedule RC-K, item 9; for savings
associations, from Schedule RC, item 12) ....................................................
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) .......................
26. Other additions to (deductions from) assets for leverage capital purposes ..
27. Total assets for leverage capital purposes (sum of items 22 and 26
less items 23 through 25) ..............................................................................

XXXX

B590

B591
5610
XXXX

XXXX

FFIEC 031
Page RC-43

57

Schedule RC-R—Continued
Capital ratios
(Column A)
(Column B is to be completed by all banks. Column A is to be completed by
RCFD
Percentage
banks with financial subsidiaries.)
7273
.
1
31. Tier 1 leverage ratio ....................................................................................
7274
.
2
32. Tier 1 risk-based capital ratio ......................................................................
7275
.
3
33. Total risk-based capital ratio .......................................................................
1
2
3

(Column B)
RCFD

Percentage

7204
7206
7205

.
.
.

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

31.
32.
33.

FFIEC 031
Page RC-44

58

Schedule RC-R—Continued
Banks are not required to risk-weight each on-balance-sheet asset and the credit equivalent amount of each off-balance sheet item that qualifies for a risk weight of less
than 100 percent (50 percent for derivatives) at its lower risk weight. When completing items 34 through 54 of Schedule RC-R, each bank should decide for itself how
detailed a risk-weight analysis it wishes to perform. In other words, a bank can choose from among its assets and off-balance-sheet items that have a risk weight of less
than 100 percent which ones to risk weight at an appropriate lower risk weight, or it can simply risk-weight some or all of these items at a 100 percent risk weight (50
percent for derivatives).
(Column A)
Totals
(from
Schedule RC)
Dollar Amounts in Thousands
Balance Sheet Asset Categories
34. Cash and balances due from depository
institutions (Column A equals the sum of
Schedule RC, items 1.a and 1.b) ...........................

Tril

Bil

Mil

Thou

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

Mil

Thou

(Column C)

(Column D)

(Column E)

(Column F)

Allocation by Risk Weight Category
0%
Bil

Mil

20%
Thou

Bil

Mil

50%
Thou

Bil

Mil

100%
Thou

Bil

Mil

Thou

RCFD 0010

RCFD C869

RCFD B600

RCFD B601

RCFD B602

RCFD 1754

RCFD B603

RCFD B604

RCFD B605

RCFD B606

RCFD B607

RCFD 1773

RCFD B608

RCFD B609

RCFD B610

RCFD B611

RCFD B612

RCFD C063

RCFD C064

34.

35. Held-to-maturity securities .....................................
36. Available-for-sale securities ...................................
37. Federal funds sold and securities purchased
under agreements to resell ....................................

35.
36.
RCFD C225

RCFD B520

37.
RCFD 5369

RCFD B617

RCFD B618

RCFD B619

RCFD B620

RCFD B621

RCFD B528

RCFD B622

RCFD B623

RCFD B624

RCFD B625

RCFD B626

RCFD 3123

RCFD 3123

RCFD 3545

RCFD B627

RCFD B628

RCFD B629

RCFD B630

RCFD B631

RCFD B639

RCFD B640

RCFD B641

RCFD B642

RCFD B643

RCFD 5339

RCFD 2170

RCFD B644

RCFD 5320

RCFD 5327

RCFD 5334

RCFD 5340

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

38.

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

39.

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

40.

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

41.

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

42.

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

1

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

43.

FFIEC 031
Page RC-45

59

Schedule RC-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

Thou

Bil

RCFD B546

Mil

Thou

(Column C)

(Column D)

(Column E)

(Column F)

Allocation by Risk Weight Category
0%
Bil

Mil

20%
Thou

Bil

Mil

50%
Thou

Bil

Mil

100%
Thou

Bil

Mil

Thou

RCFD B547

RCFD B548

RCFD B581

RCFD B582

RCFD B583

RCFD B650

RCFD B651

RCFD B652

RCFD B653

RCFD B654

RCFD B655

RCFD B656

RCFD B657

RCFD B658

RCFD B659

1.00 or 12.52
RCFD 3821

44.

.50
RCFD 3411

45.

.20
RCFD 3429

46.
RCFD B660

RCFD B661

RCFD B662

RCFD B663

RCFD B664

RCFD B665

RCFD B666

RCFD B667

RCFD B668

RCFD B669

RCFD B670

RCFD B671

RCFD B672

RCFD B673

1.00
RCFD 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:
a. With an original maturity
exceeding one year ......................
b. With an original maturity of one
year or less to asset-backed
commercial paper conduits ...........

(Column B)
Credit
Equivalent
Amount1

47.

1.00
RCFD A250

48.

1.00

RCFD B541

49.

RCFD B542

RCFD B543

12.53
RCFD B675

50.
RCFD B676

RCFD B677

RCFD B678

RCFD B679

RCFD B680

RCFD B682

RCFD B683

RCFD B684

RCFD B685

RCFD B686

1.00
RCFD B681

51.

1.00
RCFD 3833

52.
RCFD B687

RCFD B688

RCFD B689

RCFD B690

RCFD B691

.50
RCFD G591

53.a.
RCFD G592

RCFD G593

RCFD G594

RCFD G595

RCFD A167

RCFD B693

RCFD B694

RCFD B695

RCFD G596

.10

53.b.

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

1
2
3

Column A multiplied by credit conversion factor.
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.
Or institution-specific factor.

54.

FFIEC 031
Page RC-46

60

Schedule RC-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

100%

50%
Thou

Bil

Mil

Thou

Bil

Mil

Thou

RCFD B696

RCFD B697

RCFD B698

RCFD B699

× 0%

× 20%

× 50%

× 100%

RCFD B700

RCFD B701

RCFD B702

RCFD B703

55.
56.

0

57.
RCFD 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.
RCFD B704

59.
RCFD A222

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

60.
RCFD 3128

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

61.
RCFD A223

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

62.

Memoranda
Dollar Amounts in Thousands RCFD
1. Current credit exposure across all derivative contracts covered by the risk-based capital standards .................................................................. 8764

Bil

Mil

Thou

M.1.

FFIEC 031
Page RC-47

61

Schedule RC-R—Continued
Memoranda—Continued
(Column A)
One year or less
Dollar Amounts in Thousands

RCFD Tril

Bil

Mil

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

Bil

Mil

(Column C)
Over five years

Thou RCFD Tril

Bil

Mil

Thou

contracts:1

2. Notional principal amounts of derivative
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:
Purchased credit protection that (a) is a covered position under the
market risk rule or (b) is not a covered position under the market risk rule
and is not recognized as a guarantee for risk-based capital purposes:
(1) Investment grade ........................................................................................
(2) Subinvestment grade ..................................................................................
1

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.

G597
G600

G598
G601

G599
G602

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

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

FFIEC 031
Page RC-48

62

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

RCFD B705

(Column B)
Home
Equity
Lines
Bil

Mil

Thou

RCFD B706

(Column C)
Credit
Card
Receivables
Bil

Mil

Thou

RCFD B707

(Column D)
Auto
Loans
Bil

Mil

Thou

RCFD B708

(Column E)
Other
Consumer
Loans
Bil

Mil

Thou

RCFD B709

(Column F)
Commercial
and Industrial
Loans
Bil

Mil

Thou

RCFD B710

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

Mil

Thou

RCFD B711

1.

RCFD B712

RCFD B713

RCFD B714

RCFD B715

RCFD B716

RCFD B717

RCFD B718

RCFD C393

RCFD C394

RCFD C395

RCFD C396

RCFD C397

RCFD C398

RCFD C399

RCFD C400

RCFD C401

RCFD C402

RCFD C403

RCFD C404

RCFD C405

RCFD C406

2.a.
2.b.
2.c.
RCFD B726

RCFD B727

RCFD B728

RCFD B729

RCFD B730

RCFD B731

RCFD B732

3.
RCFD B733

RCFD B734

RCFD B735

RCFD B736

RCFD B737

RCFD B738

RCFD B739

RCFD B740

RCFD B741

RCFD B742

RCFD B743

RCFD B744

RCFD B745

RCFD B746

4.a.
4.b.

RIAD B747

RIAD B748

RIAD B749

RIAD B750

RIAD B751

RIAD B752

RIAD B753

RIAD B754

RIAD B755

RIAD B756

RIAD B757

RIAD B758

RIAD B759

RIAD B760

5.a.
5.b.

FFIEC 031
Page RC-49

63

Schedule RC-S—Continued
(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
Schedule RC-B or in Schedule
RC, item 5) ....................................
b. Loans (included in
Schedule RC-C) ............................
7. Past due loan amounts included in
interests reported in item 6.a:
a. 30–89 days past due .....................

(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

RCFD B761

RCFD B762

RCFD B763

RCFD B500

RCFD B501

RCFD B502

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

Mil

Thou

6.a.
6.b.
RCFD B764

RCFD B765

RCFD B766

RCFD B767

RCFD B768

RCFD 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.

RIAD B770

RIAD B771

RIAD B772

RIAD B773

RIAD B774

RIAD 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 bank to
other institutions’ securitization
structures in the form of standby
letters of credit, purchased
subordinated securities, and other
enhancements....................................
10. Reporting bank’s unused
commitments to provide liquidity to
other institutions’ securitization
structures ...........................................

8.b.

RCFD B776

RCFD B777

RCFD B778

RCFD B779

RCFD B780

RCFD B781

RCFD B782

9.

RCFD B783

RCFD B784

RCFD B785

RCFD B786

RCFD B787

RCFD B788

RCFD B789

10.

FFIEC 031
Page RC-50

64

Schedule RC-S—Continued
(Column A)
1–4 Family
Residential
Loans
Dollar Amounts in Thousands
Bank Asset Sales
11. Assets sold with recourse or other
seller-provided credit enhancements
and not securitized by the reporting
bank ...................................................
12. Maximum amount of credit exposure
arising from recourse or other sellerprovided credit enhancements provided to assets reported in item 11 ....

Memoranda

Bil

Mil

Thou

RCFD B790

(Column B)
Home
Equity
Lines
Bil

Mil

Thou

RCFD B791

(Column C)
Credit
Card
Receivables
Bil

Mil

Thou

RCFD B792

(Column D)
Auto
Loans
Bil

Mil

Thou

RCFD B793

(Column E)
Other
Consumer
Loans
Bil

Mil

Thou

RCFD B794

(Column F)
Commercial
and Industrial
Loans
Bil

Mil

Thou

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

RCFD B795

Mil

RCFD B796

11.

RCFD B797

RCFD B798

RCFD B799

RCFD B800

RCFD B801

RCFD B802

RCFD B803

12.

Dollar Amounts in Thousands

RCFD

Bil

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 ........................................................................................................................................................................... A249
b. Amount of retained recourse on these obligations as of the report date ........................................................................................................... A250
2. Outstanding principal balance of assets serviced for others (includes participations serviced for others):
a. Closed-end 1–4 family residential mortgages serviced with recourse or other servicer-provided credit enhancements .................................. B804
b. Closed-end 1–4 family residential mortgages serviced with no recourse or other servicer-provided credit enhancements ............................. B805
c. Other financial assets (includes home equity lines)1......................................................................................................................................... A591
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) ......................................................................................................................................................................................... F699
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’s holding company .................................................................................... B806
(2) Conduits sponsored by other unrelated institutions .................................................................................................................................... B807
b. Unused commitments to provide liquidity to conduit structures:
(1) Conduits sponsored by the bank, a bank affiliate, or the bank’s holding company .................................................................................... B808
(2) Conduits sponsored by other unrelated institutions .................................................................................................................................... B809
4. Outstanding credit card fees and finance charges included in Schedule RC-S, item 1, column C2........................................................................................... C407
1
2

Thou

Memorandum item 2.c is to be completed if the principal balance of other financial assets serviced for others is more than $10 million.
Memorandum item 4 is to be completed by banks that (1) 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) are credit card specialty banks as defined for Uniform Bank Performance Report purposes.

Mil

Thou

M.1.a.
M.1.b.
M.2.a.
M.2.b.
M.2.c.
M.2.d.

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

FFIEC 031
Page RC-51

65

Schedule RC-T—Fiduciary and Related Services
RCFD

Yes

No

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

1.
Yes

No

2. Does the institution exercise the fiduciary powers it has been granted? ...................................... A346
3. Does the institution have any fiduciary or related activity (in the form of assets or accounts) to RCFD
report in this schedule? (If “NO,” do not complete the rest of Schedule RC-T.) ............................. B867

2.
Yes

No

3.

If the answer to item 3 is “YES,” complete the applicable items of Schedule RC-T, as follows:
Institutions with total fiduciary assets (item 10, sum of columns A and B) greater than $250 million (as of the preceding
December 31) or with gross fiduciary and related services income greater than 10% of revenue (net interest income plus
noninterest income) for the preceding calendar year must complete:
• Items 4 through 22.a and Memorandum item 3 quarterly,
• Items 23 through 26 annually with the December report, and
• Memorandum items 1, 2, and 4 annually with the December report.
Institutions with total fiduciary assets (item 10, sum of columns A and B) greater than $100 million but less than or equal to
$250 million (as of the preceding December 31) that do not meet the fiduciary income test for quarterly reporting must complete:
• Items 4 through 26 annually with the December report, and
• Memorandum items 1 through 4 annually with the December report.
Institutions with total fiduciary assets (item 10, sum of columns A and B) of $100 million or less (as of the preceding December 31)
that do not meet the fiduciary income test for quarterly reporting must complete:
• Items 4 through 13 annually with the December report, and
• Memorandum items 1 through 3 annually with the December report.
(Column A)
Managed
Assets
Dollar Amounts in Thousands
FIDUCIARY AND RELATED ASSETS
4. Personal trust and agency accounts .......
5. Employee benefit and retirementrelated trust and agency accounts:
a. Employee benefit—defined
contribution .........................................
b. Employee benefit—defined
benefit.................................................
c. Other employee benefit and
retirement-related accounts................
6. Corporate trust and agency accounts .....
7. Investment management and
investment advisory agency accounts ....
8. Foundation and endowment trust and
agency accounts .....................................
9. Other fiduciary accounts .........................
10. Total fiduciary accounts (sum of
items 4 through 9) ...................................

Tril

Bil

Mil

RCFD B868

Thou Tril

(Column B)
Non-Managed
Assets
Bil

Mil

RCFD B869

(Column D)
Number of
Non-Managed
Accounts

RCFD B870

RCFD B871

Thou

4.

RCFD B872

RCFD B873

RCFD B874

RCFD B875

RCFD B876

RCFD B877

RCFD B878

RCFD B879

RCFD B880

RCFD B881

RCFD B882

RCFD B883

RCFD B884

RCFD B885

RCFD C001

RCFD C002

RCFD B886

RCFD J253

RCFD B888

RCFD J254

RCFD J255

RCFD J256

RCFD J257

RCFD J258

RCFD B890

RCFD B891

RCFD B892

RCFD B893

RCFD B894

RCFD B895

RCFD B896

RCFD B897

5.a.
5.b.
5.c.
6.
7.
8.
9.
10.
RCFD B898

11. Custody and safekeeping accounts ........

(Column C)
Number of
Managed
Accounts

RCFD B899

11.

FFIEC 031
Page RC-52

66

Schedule RC-T—Continued
(Column A)
Managed
Assets
Dollar Amounts in Thousands

Tril

Bil

12. Fiduciary accounts held in foreign
offices (included in items 10 and 11) .......
13. Individual Retirement Accounts,
Health Savings Accounts, and
other similar accounts (included in
items 5.c and 11) .....................................

Mil

(Column B)
Non-Managed
Assets

Thou Tril

RCFN B900

Bil

Mil

(Column C)
Number of
Managed
Accounts

(Column D)
Number of
Non-Managed
Accounts

RCFN B902

RCFN B903

Thou

RCFN B901

12.

RCFD J259

RCFD J260

RCFD J261

13.
Dollar Amounts in Thousands

FIDUCIARY AND RELATED SERVICES INCOME
14. Personal trust and agency accounts ..............................................................................................
15. Employee benefit and retirement-related trust and agency accounts:
a. Employee benefit—defined contribution....................................................................................
b. Employee benefit—defined benefit ...........................................................................................
c. Other employee benefit and retirement-related accounts .........................................................
16. Corporate trust and agency accounts ............................................................................................
17. Investment management and investment advisory agency accounts ............................................
18. Foundation and endowment trust and agency accounts ...............................................................
19. Other fiduciary accounts ................................................................................................................
20. Custody and safekeeping accounts ...............................................................................................
21. Other fiduciary and related services income ..................................................................................
22. Total gross fiduciary and related services income (sum of items 14 through 21) (must equal
Schedule RI, item 5.a)....................................................................................................................
a. Fiduciary and related services income—foreign offices
(included in item 22) ........................................................................... B912
23. Less: Expenses ..............................................................................................................................
24. Less: Net losses from fiduciary and related services .....................................................................
25. Plus: Intracompany income credits for fiduciary and related services ...........................................
26. Net fiduciary and related services income .....................................................................................
(Column A)
Personal Trust and
Agency and
Investment
Management Agency
Accounts

Memoranda
Dollar Amounts in Thousands
1. Managed assets held in fiduciary accounts:
a. Noninterest-bearing deposits .......................
b. Interest-bearing deposits ..............................
c. U.S. Treasury and U.S. Government
agency obligations........................................
d. State, county, and municipal obligations ......
e. Money market mutual funds .........................
f. Equity mutual funds ......................................
g. Other mutual funds .......................................
h. Common trust funds and collective
investment funds ..........................................
i. Other short-term obligations .........................

RCFD J262

RCFD

Bil

Mil

(Column B)
Employee
Benefit and
Retirement-Related
Trust and Agency
Accounts

Thou RCFD

Bil

Mil

RIAD

Bil

Mil

Thou

B904

14.

B905
B906
B907
A479
J315
J316
A480
B909
B910
4070
4070

15.a.
15.b.
15.c.
16.
17.
18.
19.
20.
21.

C058
C058
A488
B911
A491

22.a.
23.
24.
25.
26.

22.

(Column C)
All Other Accounts

Thou RCFD

Bil

Mil

Thou

J263
J266

J264
J267

J265
J268

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

J269
J272
J275
J278
J281

J270
J273
J276
J279
J282

J271
J274
J277
J280
J283

M.1.c.
M.1.d.
M.1.e.
M.1.f.
M.1.g.

J284
J287

J285
J288

J286
J289

M.1.h.
M.1.i.

FFIEC 031
Page RC-53

67

Schedule RC-T—Continued
(Column A)
Personal Trust and
Agency and
Investment
Management Agency
Accounts

Memoranda
Dollar Amounts in Thousands

RCFD

Bil

Mil

(Column B)
Employee
Benefit and
Retirement-Related
Trust and Agency
Accounts

Thou RCFD

J290
J299
J293
J296
J299
J302
J305

1. j. Other notes and bonds .................................
k. Investments in unregistered funds and
private equity investments ............................
l. Other common and preferred stocks ............
m. Real estate mortgages .................................
n. Real estate ...................................................
o. Miscellaneous assets ...................................
p. Total managed assets held in fiduciary
XXXX
accounts (for each column, sum of
Memorandum items 1.a through 1.o) ........... J308

Bil

Mil

Thou RCFD

J291
J300
J294
J297
J300
J303
J306

J292
J301
J295
J298
J301
J304
J307

XXXX
J309

XXXX
J310

(Column A)
Managed Assets
Dollar Amounts in Thousands

(Column C)
All Other Accounts

RCFD

Bil

Mil

Bil

Mil

Thou

M.1.j.
M.1.k.
M.1.l.
M.1.m.
M.1.n.
M.1.o.

M.1.p.

(Column B)
Number of
Managed Accounts

Thou RCFD
RCFD B928

1. q. Investments of managed fiduciary accounts in advised or
sponsored mutual funds ..................................................................... J311

J312

(Column A)
Number of
Issues
Dollar Amounts in Thousands

RCFD

M.1.q.

(Column B)
Principal Amount
Outstanding
Tril

Bil

Mil

Thou

RCFD B928

2. Corporate trust and agency accounts:
a. Corporate and municipal trusteeships .............................................................. B927

M.2.a.
RCFD J314

(1) Issues reported in Memorandum item 2.a that are in default..................... J313

M.2.a.(1)

b. Transfer agent, registrar, paying agent, and other corporate agency .............. B929
(Column A)
Number of
Funds
Dollar Amounts in Thousands
3. Collective investment funds and common trust funds:
a. Domestic equity ...........................................................................................
b. International/Global equity...........................................................................
c. Stock/Bond blend ........................................................................................
d. Taxable bond ...............................................................................................
e. Municipal bond ............................................................................................
f. Short-term investments/Money market .......................................................
g. Specialty/Other ............................................................................................
h. Total collective investment funds (sum of Memorandum items 3.a
through 3.g) .................................................................................................

M.2.b.
(Column B)
Market Value of
Fund Assets

RCFD

RCFD

Bil

Mil

Thou

B931
B933
B935
B937
B939
B941
B943

B932
B934
B936
B938
B940
B942
B944

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

B945

B946

M.3.h.

FFIEC 031
Page RC-54

68

Schedule RC-T—Continued
(Column A)
Gross Losses
Managed
Accounts
Dollar Amounts in Thousands
4. Fiduciary settlements, surcharges, and other losses:
a. Personal trust and agency accounts ........................................
b. Employee benefit and retirement-related trust and agency
accounts ...................................................................................
c. Investment management and investment advisory agency
accounts ...................................................................................
d. Other fiduciary accounts and related services .........................
e. Total fiduciary settlements, surcharges, and other losses
(sum of Memorandum items 4.a through 4.d) (sum of
columns A and B minus column C must equal
Schedule RC-T, item 24) ..........................................................

RIAD

Mil

Thou

(Column B)
Gross Losses
Non-Managed
Accounts
RIAD

Mil

Thou

RIAD

Mil

Thou

B947

B948

B949

M.4.a.

B950

B951

B952

M.4.b.

B953
B956

B954
B957

B955
B958

M.4.c.
M.4.d.

B959

B960

B961

M.4.e.

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

Name and Title (TEXT B962)

E-mail Address (TEXT B926)

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

(Column C)
Recoveries

FAX: Area code/phone number (TEXT B964)

FFIEC 031
Page RC-55

69

Schedule RC-V—Variable Interest Entities
(Column A)
Securitization
Vehicles
Dollar Amounts in Thousands
1. Assets of consolidated variable interest
entities (VIEs) that can be used only to settle
obligations of the consolidated VIEs:
a. Cash and balances due from depository
institutions .......................................................
b. Held-to-maturity securities .............................
c. Available-for-sale securities ...........................
d. Securities purchased under
agreements to resell .......................................
e. Loans and leases held for sale ......................
f. Loans and leases, net of unearned
income ..............................................................
g. Less: Allowance for loan and lease
losses ...............................................................
h. Trading assets (other than derivatives) ........
i. Derivative trading assets ................................
j. Other real estate owned..................................
k. Other assets.....................................................
2. Liabilities of consolidated VIEs for which
creditors do not have recourse to the
general credit of the reporting bank:
a. Securities sold under agreements to
repurchase .......................................................
b. Derivative trading liabilities............................
c. Commercial paper ...........................................
d. Other borrowed money (exclude
commercial paper) ..........................................
e. Other liabilities ................................................
3. All other assets of consolidated VIEs (not
included in items 1.a through 1.k above)...........
4. All other liabilities of consolidated VIEs (not
included in items 2.a through 2.e above)...........

RCFD

Bil

Mil

(Column B)
ABCP Conduits

Thou RCFD

Bil

Mil

(Column C)
Other VIEs

Thou RCFD

Bil

Mil

Thou

J981
J984
J987

J982
J985
J988

J983
J986
J989

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

J990
J993

J991
J994

J992
J995

1.d.
1.e.

J996

J997

J998

1.f.

J999
K003
K006
K009
K012

K001
K004
K007
K010
K013

K002
K005
K008
K011
K014

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

K015
K018
K021

K016
K019
K022

K017
K020
K023

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

K024
K027

K025
K028

K026
K029

2.d.
2.e.

K030

K031

K032

3.

K033

K034

K035

4.

FFIEC 031
Page RC-56

70
Optional Narrative Statement Concerning the Amounts
Reported in the Reports of Condition and Income

The management of the reporting bank may, if it wishes, submit a
brief narrative statement on the amounts reported in the Reports
of Condition and Income. This optional statement will be made
available to the public, along with the publicly available data in the
Reports of Condition and Income, in response to any request for
individual bank report data. However, the information reported in
Schedule RI-E, item 2.g, Schedule RC-F, item 6.f, and Schedule
RC-O, Memorandum items 6 through 9, 14, and 15, is regarded as
confidential and will not be released to the public. BANKS CHOOSING TO SUBMIT THE NARRATIVE STATEMENT SHOULD
ENSURE THAT THE STATEMENT DOES NOT CONTAIN THE
NAMES OR OTHER IDENTIFICATIONS OF INDIVIDUAL BANK
CUSTOMERS, REFERENCES TO THE AMOUNTS REPORTED
IN THE CONFIDENTIAL ITEMS IDENTIFIED ABOVE, OR
ANY OTHER INFORMATION THAT THEY ARE NOT WILLING
TO HAVE MADE PUBLIC OR THAT WOULD COMPROMISE THE
PRIVACY OF THEIR CUSTOMERS Banks choosing not to make
a statement may check the “No comment” box below and should
make no entries of any kind in the space provided for the narrative
statement; i.e., DO NOT enter in this space such phrases as “No
statement,” “Not applicable,” “N/A,” “No comment,” and “None.”
The optional statement must be entered on this sheet. The statement should not exceed 100 words. Further, regardless of the
number of words, the statement must not exceed 750 characters,
including punctuation, indentation, and standard spacing between
words and sentences. If any submission should exceed 750 characters, as defined, it will be truncated at 750 characters with no notice

to the submitting bank and the truncated statement will appear as
the bank’s statement both on agency computerized records and in
computer-file releases to the public.
All information furnished by the bank in the narrative statement
must be accurate and not misleading. Appropriate efforts shall be
taken by the submitting bank to ensure the statement’s accuracy.
If, subsequent to the original submission, material changes are
submitted for the data reported in the Reports of Condition and
Income, the existing narrative statement will be deleted from the
files, and from disclosure; the bank, at its option, may replace it with
a statement appropriate to the amended data.
The optional narrative statement will appear in agency records
and in release to the public exactly as submitted (or amended
as described in the preceding paragraph) by the management of
the bank (except for the truncation of statements exceeding the
750-character limit described above). THE STATEMENT WILL NOT
BE EDITED OR SCREENED IN ANY WAY BY THE SUPERVISORY AGENCIES FOR ACCURACY OR RELEVANCE. DISCLOSURE OF THE STATEMENT SHALL NOT SIGNIFY THAT ANY
FEDERAL SUPERVISORY AGENCY HAS VERIFIED OR CONFIRMED THE ACCURACY OF THE INFORMATION CONTAINED
THEREIN. A STATEMENT TO THIS EFFECT WILL APPEAR ON
ANY PUBLIC RELEASE OF THE OPTIONAL STATEMENT SUBMITTED BY THE MANAGEMENT OF THE REPORTING BANK.

RCON

Comments? ................................................................................................................................................................. 6979
BANK MANAGEMENT STATEMENT
(TEXT 6980)

(please type or print clearly):

Yes

No