Form FFIEC 031 FFIEC 031 Consolidated Reports of Condition and Income for a Bank

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
Approval expires March 31, 2017
Page 1 of 79

Federal Financial Institutions Examination Council

Consolidated Reports of Condition and Income for
a Bank with Domestic and Foreign Offices—FFIEC 031
Report at the close of business December 31, 2014

(20141231)

This report is required by law: 12 U.S.C. § 324 (State member
banks); 12 U.S.C. §1817 (State nonmember banks); 12 U.S.C. §161
(National banks); and 12 U.S.C. §1464 (Savings associations).

Unless the context indicates otherwise, the term “bank” in this
report form refers to both banks and savings associations.

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 banks, national banks, and savings associations.

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.

(RCON 9999)

I, the undersigned CFO (or equivalent) of the named bank, attest
that the Reports of Condition and Income (including the supporting

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)

Signature of Chief Financial Officer (or Equivalent)

Director (Trustee)

Date of Signature

Director (Trustee)

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/cdr/), 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.

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

Legal Title of Bank (RSSD 9017)

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 [email protected].

City (RSSD 9130)

State Abbreviation (RSSD 9200)

FDIC Certificate Number

Zip Code (RSSD 9220)

(RSSD 9050)
The estimated average burden associated with this information collection is 48.3 hours per respondent and is estimated to vary from 18 to 750 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, 20th and C Streets, NW, Washington, DC 20551; Legislative and Regulatory Analysis Division, Office of the Comptroller of the Currency,
Washington, DC 20219; Assistant Executive Secretary, Federal Deposit Insurance Corporation, Washington, DC 20429.

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Consolidated Reports of Condition and Income for a Bank
with Domestic and Foreign Offices
Table of Contents
Signature Page ............................................................ 1
Contact Information................................................. 3, 4

Schedule RC-H—Selected Balance Sheet Items for
Domestic Offices ............................................... RC-23
Schedule RC-I—Assets and Liabilities of IBFs .......... RC-24

Report of Income

Schedule RC-K—Quarterly Averages ..................... RC-24

Schedule RI—Income Statement .................... RI-1, 2, 3, 4

Schedule RC-L—Derivatives and
Off-Balance-Sheet Items ................... RC-25, 26, 27, 28

Schedule RI-A—Changes in Bank Equity Capital..........RI-5
Schedule RI-B—Charge-offs and Recoveries on
Loans and Leases and Changes in Allowance
for Loan and Lease Losses............................. RI-5, 6, 7
Schedule RI-C—Disaggregated Data on the
Allowance for Loan and Lease Losses
(to be completed only by selected banks) ................ RI-8
Schedule RI-D—Income from Foreign Offices .............RI-9
Schedule RI-E—Explanations............................. RI-10, 11
Report of Condition
Schedule RC—Balance Sheet ............................. RC-1, 2
Schedule RC-A—Cash and Balances Due
from Depository Institutions .................................. RC-3
Schedule RC-B—Securities ....................... RC-3, 4, 5, 6, 7
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 RC-E—Deposit Liabilities ............. RC-19, 20, 21
Schedule RC-F—Other Assets................................ RC-22
Schedule RC-G—Other Liabilities............................ RC-22

Schedule RC-M—Memoranda ................ RC-29, 30, 31, 32
Schedule RC-N—Past Due and Nonaccrual Loans,
Leases, and Other Assets ............RC-33, 34, 35, 36, 37
Schedule RC-O—Other Data for Deposit Insurance
and FICO Assessments...........RC-38, 39, 40, 41, 42, 43
Schedule RC-P—1–4 Family Residential Mortgage
Banking Activities in Domestic Offices
(to be completed only by selected banks) ............ RC-44
Schedule RC-Q—Assets and Liabilities Measured
at Fair Value on a Recurring Basis
(to be completed only by selected banks) ........RC-45, 46
Schedule RC-R—Regulatory Capital:
Part I.A. Regulatory Capital Components
and Ratios ................................................. RC-47, 48
Part I.B. Regulatory Capital Components
and Ratios...............................................RC-49, 50, 51
Part II. Risk-Weighted Assets ...........RC-52, 53, 54, 55
Schedule RC-S—Servicing, Securitization,
and Asset Sale Activities ......................... RC-56, 57, 58
Schedule RC-T—Fiduciary and Related
Services ........................................... RC-59, 60, 61, 62
Schedule RC-V—Variable Interest Entities .............. RC-63
Optional Narrative Statement Concerning
the Amounts Reported in the Reports
of Condition and Income..................................... RC-64

For information or assistance, national banks, state nonmember banks, and savings associations 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 a.m. and 5:00 p.m., Eastern Time. State member banks should contact their Federal Reserve District Bank.
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Contact Information for the Reports of Condition and Income
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)

Area Code / Phone Number / Extension (TEXT C493)

Area Code / Phone Number / Extension (TEXT 8902)

Area Code / FAX Number (TEXT C494)

Area Code / FAX 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)

Area Code / Phone Number / Extension (TEXT C369)

Area Code / Phone Number / Extension (TEXT C374)

Area Code / FAX Number (TEXT C370)

Area Code / FAX Number (TEXT C375)

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FFIEC 031
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USA PATRIOT Act Section 314(a) Anti-Money Laundering
Contact Information
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 antimoney-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)

Area Code / Phone Number / Extension (TEXT C440)

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)

Area Code / Phone Number / Extension (TEXT C873)

Area Code / Phone Number / Extension (TEXT C878)

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FFIEC 031
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RI-1

Consolidated Report of Income
for the period January 1, 2014–December 31, 2014
All Report of Income schedules are to be reported on a calendar year-to-date basis in thousands of dollars.

Schedule RI—Income Statement
Dollar Amounts in Thousands RIAD
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 revolving credit plans other than credit cards, automobile loans,
and other consumer loans) ......................................................................
(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 institutions1 .....................................
d. Interest and dividend income on securities:
(1) U.S. Treasury securities and U.S. Government agency obligations
(excluding mortgage-backed securities) .............................................................
(2) Mortgage-backed securities .............................................................................
(3) All other securities
(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 MMDAs) .........................................................
(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 .............................................

4435
4436
4024

Bil

Mil

Thou

4012

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

B485

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

B486
4056

4065
4115

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

B488
B489

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

4060
4069
4020
4518
4107

1.d.(3)
1.e.
1. f.
1.g.
1.h.

4508

2.a.(1)(a)

0093
A517
A518

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

B487
4059
4010

4172
4180
4185

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

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FFIEC 031
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RI-2

Schedule RI—Continued
Year-to-date

Dollar Amounts in Thousands RIAD
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) ........................................... 4074
4. Provision for loan and lease losses .................................................. 4230
5. Noninterest income:
a. Income from fiduciary activities1 ...................................................................................
b. Service charges on deposit accounts ............................................................................
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).................... 4079
6. a. Realized gains (losses) on held-to-maturity securities ....................... 3521
b. Realized gains (losses) on available-for-sale securities ..................... 3196
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) .................. 4093
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) .......... 4301
9. Applicable income taxes (on item 8) ................................................. 4302
10. Income (loss) before extraordinary items and other adjustments
(item 8 minus item 9) .................................................................... 4300
11. Extraordinary items and other adjustments, net of income taxes* ........... 4320
12. Net income (loss) attributable to bank and noncontrolling (minority)
interests (sum of items 10 and 11) ................................................... G104
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) ............................................................................ G103
14. Net income (loss) attributable to bank (item 12 minus item 13)............... 4340

4200
4073

4070
4080
A220
C886
C888
C887
C386
C387
B491
B492
B493
5416
5415
B496

Bil

Mil

Thou

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

B497

5. i.
5. j.
5.k.
5. l.
5.m.
6.a.
6.b.

4135

7.a.

4217
C216

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

C232
4092

8.
9.
10.
11.
12.

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.

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RI-3

Schedule RI—Continued
Memoranda
Dollar Amounts in Thousands RIAD
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

Year-to-date
Bil
Mil Thou

M.1.

Memorandum item 2 is to be completed by banks with $1 billion or more in total assets1
2. Income from the sale and servicing of mutual funds and annuities in domestic offices
(included in Schedule RI, item 8) ......................................................................................
3. Income on tax-exempt loans and leases to states and political subdivisions in the U.S.
(included in Schedule RI, items 1.a and 1.b) .......................................................................
4. Income on tax-exempt securities issued by states and political subdivisions in the U.S.
(included in Schedule RI, item 1.d.(3)) ...............................................................................
5. Number of full-time equivalent employees at end of current period
(round to nearest whole number) ......................................................................................
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 acquisition2....................................
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.
a.
b.
c.
d.
e.

Interest rate exposures...............................................................................................
Foreign exchange exposures.......................................................................................
Equity security and index exposures .............................................................................
Commodity and other exposures ..................................................................................
Credit exposures.......................................................................................................

8431

M.2.

4313

M.3.

4507

M.4.
Number

4150

M.5.

RIAD YYYY MM
9106

RIAD
8757
8758
8759

Bil

Mil

DD

M.7.

Thou

F186

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

K090

M.8.f.

K094

M.8.g.

C889

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

8760

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.1
f. 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 through 8.e above) ....................................................
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) .................
9. Net gains (losses) recognized in earnings on credit derivatives that economically hedge credit
exposures held outside the trading account:
a. Net gains (losses) on credit derivatives held for trading ......................................................
b. Net gains (losses) on credit derivatives held for purposes other than trading ..........................
10. Credit losses on derivatives (see instructions) .....................................................................
11. Does the reporting bank have a Subchapter S election in effect for federal income tax purposes
for the current tax year?..................................................................................................

C890
A251
RIAD Yes
A530

No

M.11.

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

Bil

Mil

Thou

M.12.

1. The asset size tests are generally based on the total assets reported in the June 30, 2013, Report of Condition.
2. For example, a bank acquired on March 1, 2014, would report 20140301.

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FFIEC 031
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RI-4

Schedule RI—Continued
Memoranda—Continued

Dollar Amounts in Thousands RIAD
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 instrument-specific
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
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.

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FFIEC 031
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RI-5

Schedule RI-A—Changes in Bank Equity Capital
Dollar Amounts in Thousands
1. Total bank equity capital most recently reported for the December 31, 2013, 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 accounting
errors* ..................................................................................................................
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 .........................................................
10. Other comprehensive income1 ...................................................................................
11. Other transactions with stockholders (including a parent holding company)*
(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 Schedule RC, item 27.a) ..........................................................................

RIAD

Bil

Mil

Thou

3217

1.

B507
B508
4340

2.
3.
4.

B509
B510

B511

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

4415

11.

3210

12.

4356
4470
4460

a*Describe on Schedule RI-E—Explanations.

1. Includes, but is not limited to, 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-B—Charge-offs and Recoveries on Loans and Leases
and Changes in Allowance for Loan and Lease Losses
Part I. Charge-offs and Recoveries on Loans and Leases
Part I includes charge-offs and recoveries through
the allocated transfer risk reserve.

(Column A)
Charge-offs1

Dollar Amounts in Thousands RIAD
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 ..................................................................
1. Include write-downs arising from transfers of loans to a held-for-sale account.

Bil

(Column B)
Recoveries

Calendar Year-to-date
Mil Thou RIAD Bil

Mil

Thou

C891

C892

1.a.(1)

C893
3584

C894
3585

1.a.(2)
1.b.

5411

5412

1.c.(1)

C234
C235

C217
C218

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

3588

3589

1.d.

C895
C897
B512

C896
C898
B513

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

03/2014

FFIEC 031
Page 10 of 79
RI-6

Schedule RI-B—Continued
Part I—Continued
(Column A)
Charge-offs1

(Column B)
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 (includes revolving credit plans other than credit cards, and other
consumer loans) .........................................................................
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

4663
4664

4655

4665

4645

4617

4646

4618

4.a.
4.b.

B514
K129

B515
K133

5.a.
5.b.

K205
4643
4644

K206
4627
4628

5.c.
6.
7.

F185

F187

C880
4635

F188
4605

8.a.
8.b.
9.

Memoranda

(Column A)
Charge-offs1

2.a.
2.b.
3.

(Column B)
Recoveries

Calendar Year-to-date

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

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.

Bil

Mil

Thou

5410

M.1.

4662

M.2.

Calendar Year-to-date

RIAD
4. Uncollectible retail credit card fees and finance charges reversed against income
(i.e., not included in charge-offs against the allowance for loan and lease losses) ........................ C388

Bil

Mil

Thou

M.4.

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

06/2012

FFIEC 031
Page 11 of 79
RI-7

Schedule RI-B—Continued
Part II. Changes in Allowance for Loan and Lease Losses
Dollar Amounts in Thousands
1. Balance most recently reported for the December 31, 2013, Reports of Condition and Income
(i.e., after adjustments from amended Reports of Income) ........................................................
2. Recoveries (must equal Part I, item 9, column B, above) ..........................................................
3. LESS: Charge-offs
(must equal Part I, item 9, column A, above less Schedule RI-B, Part II, item 4) ............................
4. LESS: Write-downs arising from transfers of loans to a held-for-sale account ...............................
5. Provision for loan and lease losses (must equal Schedule RI, item 4)..........................................
6. Adjustments* (see instructions for this schedule) ....................................................................
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) .....................................................................................

RIAD

Bil

Mil

Thou

B522
4605

1.
2.

C079
5523
4230
C233

3.
4.
5.
6.

3123

7.

*Describe on Schedule RI-E—Explanations.
Memoranda
Dollar Amounts in Thousands RIAD
1. Allocated transfer risk reserve included in Schedule RI-B, Part II, item 7, above ............................ C435

Bil

Mil

Thou

M.1.

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 ............... C389
3. Amount of allowance for loan and lease losses attributable to retail credit card fees and finance
charges .......................................................................................................................... C390

M.2.
M.3.

Memorandum item 4 is to be completed by all banks.
4. Amount of allowance for post-acquisition credit losses on purchased credit-impaired loans
accounted for in accordance with FASB ASC 310-30 (former AICPA Statement of Position 03-3)
(included in Schedule RI-B, Part II, item 7, above)................................................................... C781

M.4.

03/2014

FFIEC 031
Page 12 of 79
RI-8

Schedule RI-C—Disaggregated Data on the Allowance for Loan and Lease Losses
Schedule RI-C is to be completed by institutions with $1 billion or more in total assets.1

(Column A)
Recorded Investment:
Individually Evaluated
for Impairment and
Determined to be Impaired
(ASC 310-10-35)

Dollar Amounts in Thousands RCFD

1. Real estate loans:
a. Construction loans .....
b. Commercial
real estate loans ........
c. Residential
real estate loans ........
2. Commercial loans2 .........
3. Credit cards ..................
4. Other consumer loans .....
5. Unallocated, if any..........
6. Total (sum of items
1.a. through 5)3 ................

Bil

Mil

(Column B)
Allowance Balance:
Individually Evaluated
for Impairment and
Determined to be Impaired
(ASC 310-10-35)

Thou RCFD

Bil

Mil

(Column C)
Recorded Investment:
Collectively Evaluated
for Impairment
(ASC 450-20)

Thou RCFD

Bil

Mil

(Column D)
Allowance Balance:
Collectively Evaluated
for Impairment
(ASC 450-20)

Thou RCFD

Bil

Mil

(Column E)
Recorded Investment:
Purchased
Credit-Impaired Loans
(ASC 310-30)

Thou RCFD

Bil

Mil

(Column F)
Allowance Balance:
Purchased
Credit-Impaired Loans
(ASC 310-30)

Thou RCFD

Bil

Mil

Thou

M708

M709

M710

M711

M712

M713

1.a.

M714

M715

M716

M717

M719

M720

1.b.

M721

M722

M723

M724

M725

M726

M727

M728

M729

M730

M731

M732

M733
M739

M734
M740

M735
M741

M736
M742
M745

M737
M743

M738
M744

1.c.
2.
3.
4.
5.

M746

M747

M748

M749

M750

M751

6.

1. The $1 billion asset size test is generally based on the total assets reported on the June 30, 2013, Report of Condition.
2. Include all loans and leases not reported as real estate loans, credit cards, or other consumer loans in items 1, 3, or 4 of Schedule RI-C.
3. The sum of item 6, columns B, D, and F, must equal Schedule RC, item 4.c. Item 6, column E, must equal Schedule RC-C, Part I, Memorandum item 7.b. Item 6, column F, must equal
Schedule RI-B, Part II, Memorandum item 4.

03/2014

FFIEC 031
Page 13 of 79
RI-9

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.

Dollar Amounts in Thousands
1. Total interest income in foreign offices .................................................................................
2. Total interest expense in foreign offices ...............................................................................
3. Provision for loan and lease losses in foreign offices ..............................................................
4. 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 ..............................................................................................
5. Realized gains (losses) on held-to-maturity and available-for-sale securities in foreign offices .........
6. Total noninterest expense in foreign offices ..........................................................................
7. Adjustments to pretax income in foreign offices for internal allocations to foreign offices to reflect
the effects of equity capital on overall bank funding costs ........................................................
8. Applicable income taxes (on items 1 through 7) .....................................................................
9. Extraordinary items and other adjustments, net of income taxes, in foreign offices ........................
10. Net income attributable to foreign offices before eliminations arising from consolidation
(item 1 plus or minus items 2 through 9) ...............................................................................
11. Not applicable
12. Eliminations arising from the consolidation of foreign offices with domestic offices ........................
13. Consolidated net income attributable to foreign offices (sum of items 10 and 12) ..........................

RIAD
C899
C900
C901
C902
C903
C904
C905
C906
C907
C908
C909

Year-to-date
Bil
Mil Thou

1.
2.
3.
4.a.
4.b.
4.c.
4.d.
5.
6.

C910

7.
8.
9.

C911

10.

C913
C914

12.
13.

06/2012

FFIEC 031
Page 14 of 79
RI-10

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

Dollar Amounts in Thousands RIAD
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

C013
C014
C016
4042
C015
F229
F555
J447
4461
4462
4463

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

4469
4487
4489

Year-to-date
Bil
Mil Thou

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

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.

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

06/2012

FFIEC 031
Page 15 of 79
RI-11

Schedule RI-E—Continued
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):
TEXT
a. B526
TEXT
b. B527
5. Other transactions with stockholders (including 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

Year-to-date
Bil
Mil Thou

B526
B527

4.a.
4.b.

4498
4499

5.a.
5.b.

4521

6.a.
6.b.

4522

RIAD Yes

Comments? ..................................................................................................................... 4769

No

7.

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

03/2014

FFIEC 031
Page 16 of 79
RC-1

Consolidated Report of Condition for Insured Banks
and Savings Associations for December 31, 2014
All schedules are to be reported in thousands of dollars. Unless otherwise indicated, report the amount outstanding as of the
last business day of the quarter.

Schedule RC—Balance Sheet
Dollar Amounts in Thousands
Assets
1. Cash and balances due from depository institutions (from Schedule RC-A):
a. Noninterest-bearing balances and currency and coin1 ..............................................
b. Interest-bearing balances2 .................................................................................
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 .......................................................... RCON
b. Securities purchased under agreements to resell3 ........................................... RCFD
4. Loans and lease financing receivables (from Schedule RC-C):
a. Loans and leases held for sale ...........................................................................
b. Loans and leases, net of unearned income ................... B528
c. LESS: Allowance for loan and lease losses ................... 3123
d. Loans and leases, net of unearned income and allowance (item 4.b minus 4.c) ............
5. Trading assets (from Schedule RC-D) .....................................................................
6. Premises and fixed assets (including capitalized leases) .............................................
7. Other real estate owned (from Schedule RC-M).........................................................
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) ..................................................................
Liabilities
13. Deposits:
a. In domestic offices (sum of totals of columns A and C from Schedule RC-E, Part I) .......
(1) Noninterest-bearing4 .................................... RCON 6631
(2) Interest-bearing........................................... RCON 6636
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 offices5 ................................................ RCON
b. Securities sold under agreements to repurchase6 ........................................... RCFD
15. Trading liabilities (from Schedule RC-D)........................................................... RCFD
16. Other borrowed money (includes mortgage indebtedness and obligations under
capitalized leases) (from Schedule RC-M) ................................................................
17. and 18. Not applicable

RCFD

Tril

Bil

Mil

Thou

0081
0071

1.a.
1.b.

1754
1773

2.a.
2.b.

B987
B989

3.a.
3.b.

RCFD

5369

B529
3545
2145
2150
2130
3656
3163
0426
2160
2170

4.a.
4.b.
4.c.
4.d.
5.
6.
7.
8.
9.
10.a.
10.b.
11.
12.

RCON

2200

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

RCFN

2200

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

B993

14.a.
14.b.
15.

B995
3548
RCFD

3190

16.

1. Includes cash items in process of collection and unposted debits.
2. Includes time certificates of deposit not held for trading.
3. Includes all securities resale agreements in domestic and foreign offices, regardless of maturity.
4. Includes noninterest-bearing demand, time, and savings deposits.
5. 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.
12/2014

FFIEC 031
Page 17 of 79
RC-2

Schedule RC—Continued
Dollar Amounts in Thousands RCFD Tril
Liabilities—Continued
19. Subordinated notes and debentures1 ......................................................................... 3200
20. Other liabilities (from Schedule RC-G) ....................................................................... 2930
21. Total liabilities (sum of items 13 through 20) ............................................................... 2948
22. Not applicable
Equity Capital
Bank Equity Capital
23. Perpetual preferred stock and related surplus .............................................................
24. Common stock .....................................................................................................
25. Surplus (exclude all surplus related to preferred stock)..................................................
26. a. Retained earnings ..............................................................................................
b. Accumulated other comprehensive income2 ............................................................
c. Other equity capital components3 ..........................................................................
27. a. Total bank equity capital (sum of items 23 through 26.c) ............................................
b. Noncontrolling (minority) interests in consolidated subsidiaries ....................................
28. Total equity capital (sum of items 27.a and 27.b) .........................................................
29. Total liabilities and equity capital (sum of items 21 and 28) ............................................

Bil

Mil

Thou

19.
20.
21.

3838

23.
24.
25.
26.a.
26.b.
26 c.
27.a.
27.b.
28.
29.

3230
3839
3632
B530
A130
3210
3000
G105
3300

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
RCFD
comprehensive level of auditing work performed for the bank by independent external auditors
as of any date during 2013 ..................................................................................................... 6724
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 by a
certified public accounting firm which submits a report on the
consolidated holding company (but not on the bank separately)
3 = Attestation on bank management's assertion on the effectiveness
of the bank's internal control over financial reporting by a certified
public accounting firm

Number

M.1.

4 = Directors' examination of the bank conducted in accordance
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)
6 = Review of the bank's financial statements by external auditors
7 = Compilation of the bank's financial statements by external
auditors
8 = Other audit procedures (excluding tax preparation work)
9 = No external audit work

RCON MM
To be reported with the March Report of Condition.
2. Bank's fiscal year-end date...................................................................................................... 8678

DD

M.2.

1. Includes limited-life preferred stock and related surplus.
2. Includes, but is not limited to, net unrealized holding gains (losses) on available-for-sale securities, accumulated net gains (losses) on cash flow hedges,
cumulative foreign currency translation adjustments, and accumulated defined benefit pension and other postretirement plan adjustments.
3. Includes treasury stock and unearned Employee Stock Ownership Plan shares.

03/2014

FFIEC 031
Page 18 of 79
RC-3

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

0090

0090

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

0010

0010

5.

0070
0073
0074

Schedule RC-B—Securities
Exclude assets held for trading.
Held-to-maturity
(Column A)
Amortized Cost

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.
Government-sponsored
agencies2 .....................
3. Securities issued by states
and political subdivisions in
the U.S............................

Mil

Bil

Mil

(Column C)
Amortized Cost
Thou RCFD
1286

Bil

Mil

(Column D)
Fair Value

0211

Thou RCFD
0213

1289

1290

1291

1293

2.a.

1294

1295

1297

1298

2.b.

8496

8497

8498

8499

3.

RCFD

Bil

Available-for-sale

(Column B)
Fair Value

Thou RCFD
1287

Bil

Mil

Thou

1.

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

06/2012

FFIEC 031
Page 19 of 79
RC-4

Schedule RC-B—Continued
Held-to-maturity
(Column A)
Amortized Cost

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 passthrough
securities .......

RCFD

Bil

Mil

Available-for-sale

(Column B)
Fair Value

Thou RCFD

Bil

Mil

(Column C)
Amortized Cost
Thou RCFD

Bil

Mil

(Column D)
Fair Value

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)

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).

06/2012

FFIEC 031
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RC-5

Schedule RC-B—Continued
Held-to-maturity
(Column A)
Amortized Cost

Dollar Amounts in Thousands
4. c. (2) Other commercial
MBS:
(a) Issued or
guaranteed
by U.S.
Government
agencies or
sponsored
agencies1 .......
(b) All other
commercial
MBS .............
5. Asset-backed securities
and structured financial
products:
a. Asset-backed
securities (ABS).......
b. Structured financial
products:
(1) Cash.................
(2) Synthetic ...........
(3) Hybrid ...............
6. Other debt securities:
a. Other domestic debt
securities ...............
b. Other foreign debt
securities ...............
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) ....................

RCFD

Bil

Mil

Available-for-sale

(Column B)
Fair Value

Thou RCFD

Bil

Mil

(Column C)
Amortized Cost
Thou RCFD

Bil

Mil

(Column D)
Fair Value

Thou RCFD

Bil

Mil

Thou

K150

K151

K152

K153

4.c.(2)(a)

K154

K155

K156

K157

4.c.(2)(b)

C026

C988

C989

C027

5.a.

G336
G340
G344

G337
G341
G345

G338
G342
G346

G339
G343
G347

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

1737

1738

1739

1741

6.a.

1742

1743

1744

1746

6.b.

A510

A511

7.

1772

1773

8.

1754

1771

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).
2. Report Federal Reserve stock, Federal Home Loan Bank stock, and bankers’ bank stock in Schedule RC-F, item 4.

03/2014

FFIEC 031
Page 21 of 79
RC-6

Schedule RC-B—Continued
Memoranda
Dollar Amounts in Thousands
1. Pledged securities ......................................................................................................
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– 4family 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

RCFD

Bil

Mil

Thou

0416

M.1.

A549

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

A550
A551
A552
A553
A554

A555
A556
A557
A558
A559
A560

A561

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

A562

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

A248

M.2.d.

1778

M.3.

8782
8783

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

1. Includes held-to-maturity securities at amortized cost and available-for-sale securities at fair value.
2. Exclude investments in mutual funds and other equity securities with readily determinable fair values.
3. Report fixed-rate debt securities by remaining maturity and floating-rate debt securities by next repricing date.
4. Sum of Memorandum items 2.a.(1) through 2.a.(6) plus any 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.
5. Sum of Memorandum items 2.b.(1) through 2.b.(6) plus any nonaccrual mortgage pass-through securities backed by closed-end first lien 1 –4 family
residential mortgages included in Schedule RC-N, item 9, column C, must equal Schedule RC-B, item 4.a, sum of columns A and D, less the amount
of 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.
6. Sum of Memorandum items 2.c.(1) and 2.c.(2) plus any nonaccrual “Other mortgage-backed securities” included in Schedule RC-N, item 9, column C,
must equal Schedule RC-B, sum of items 4.b and 4.c.(2), columns A and D.

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FFIEC 031
Page 22 of 79
RC-7

Schedule RC-B—Continued
Memoranda—Continued
Held-to-maturity
(Column A)
Amortized Cost

Dollar Amounts in Thousands
Memorandum items 5.a
through 5.f are to be
completed by banks with $1
billion or more in total assets.1
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
receivables................
b. Home equity lines .......
c. Automobile loans ........
d. Other consumer loans ...
e. Commercial and
industrial loans ...........
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 ....
b. Trust preferred
securities issued
by real estate
investment trusts ........
c. Corporate and
similar loans ..............
d. 1–4 family residential
MBS issued or
guaranteed by U.S.
Governmentsponsored enterprises
(GSEs).....................
e. 1–4 family residential
MBS not issued or
guaranteed by GSEs...
f. Diversified (mixed)
pools of structured
financial products .......
g. Other collateral or
reference assets ........

RCFD

Bil

Mil

Available-for-sale

(Column B)
Fair Value

Thou RCFD

Bil

Mil

(Column C)
Amortized Cost
Thou RCFD

Bil

Mil

(Column D)
Fair Value

Thou RCFD

Bil

Mil

Thou

B838

B839

B840

B841

B842
B846
B850

B843
B847
B851

B844
B848
B852

B845
B849
B853

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

B854
B858

B855
B859

B856
B860

B857
B861

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

G348

G349

G350

G351

M.6.a.

G352

G353

G354

G355

M.6.b.

G356

G357

G358

G359

M.6.c.

G360

G361

G362

G363

M.6.d.

G364

G365

G366

G367

M.6.e.

G368

G369

G370

G371

M.6. f.

G372

G373

G374

G375

M.6.g.

1. The $1 billion asset size test is generally based on the total assets reported on the June 30, 2013, Report of Condition.
03/2014

FFIEC 031
Page 23 of 79
RC-8

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)
Consolidated
Bank

Dollar Amounts in Thousands
1. Loans secured by real estate:1 .......................................................
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 and installment loans
other than automobile loans, 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. ................................................................

RCFD

Bil

Mil

(Column B)
Domestic
Offices
Thou RCON

1410

Bil

Mil

Thou

1.

F158

F158

1.a.(1)

F159

F159

1.a.(2)

1420

1420

1.b.

1797

1797

1.c.(1)

5367

5367

5368
1460

5368
1460

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

F160
F161

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

1. When reporting “Loans secured by real estate,” “large institutions” and “highly complex institutions,” as defined for deposit insurance assessment
purposes in FDIC regulations, should complete items 1.a.(1) through 1.e.(2) in columns A and B (but not item 1 in column A); all other institutions
should complete item 1 in column A and items 1.a.(1) through 1.e.(2) in column B (but not items 1.a.(1) through 1.e.(2) in column A).
03/2014

FFIEC 031
Page 24 of 79
RC-9

Schedule RC-C—Continued
(Column A)
Consolidated
Bank

Part I—Continued
Dollar Amounts in Thousands
9. Loans to nondepository financial institutions and other loans: .............
a. Loans to nondepository financial institutions ................................
b. Other loans:
(1) Loans for purchasing or carrying securities
(secured and unsecured).....................................................
(2) All other loans (exclude consumer loans) ...............................
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 income1
(item 12, column A must equal Schedule RC, sum of items 4.a and 4.b) ..

RCFD

Bil

Mil

(Column B)
Domestic
Offices
Thou RCON

Bil

Mil

Thou

1563

9.
9.a.

J454

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):

RCON

K158
K159
F576
K160
K161
K162

Bil

Mil

Thou

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

RCFD

K163
K164

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

K165

M.1. f.

RCON

(1) Loans secured by farmland in domestic offices ........................................................ 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 (includes revolving credit plans other than credit cards,
and other consumer loans) ..............................................................................
(5) Loans to foreign governments and official institutions ................................................
(6) Other loans2 .....................................................................................................

K167
K168
K098

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

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

M.1. f.(7)

1. For “large institutions” and “highly complex institutions,” as defined for deposit insurance assessment purposes in FDIC regulations, item 12, column A,
must equal the sum of items 1.a.(1) through 10.b, column A, less item 11, column A. For all other institutions, item 12, column A, must equal the sum of
item 1 and items 2.a.(1) through 10.b, column A, less item 11, column A. For all institutions, item 12, column B, must equal the sum of items 1.a.(1)
through 10, column B, less item 11, column B.
2. 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."
03/2014

FFIEC 031
Page 25 of 79
RC-10

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 or Schedule RC-C, Part I, items 1.a.(1) through 1.e.(2), column A, as appropriate) ...

RCON

A564
A565
A566
A567
A568
A569

Bil

Mil

Thou

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

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.

A571
A572
A573

RCON

5370

M.4.

RCFD

B837

M.5.

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 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.

Memorandum item 7 is to be completed by all banks.
7. Purchased credit-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. Report fixed-rate loans and leases by remaining maturity and floating-rate loans by next repricing date.
2. Sum of Memorandum items 2.a.(1) through 2.a.(6), plus total nonaccrual closed-end loans secured by first liens on 1 –4 family residential 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.
3. 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.
4. Exclude loans secured by real estate that are included in Schedule RC-C, Part I, item 1, column A.
12/2013

FFIEC 031
Page 26 of 79
RC-11

Schedule RC-C—Continued
Part I—Continued
Memoranda—Continued
Dollar Amounts in Thousands RCON
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)).......................................................................................................... F230

Bil

Mil

Thou

M.8.a.

Memorandum items 8.b and 8.c are to be completed by banks that had closed-end loans
with negative amortization features secured by 1–4 family residential properties (as reported in
Schedule RC-C, Part I, Memorandum item 8.a) as of December 31, 2013, 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).
b. Total maximum remaining amount of negative amortization contractually permitted on
closed-end loans secured by 1–4 family residential properties .................................... F231
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 ............................................................................................................ F232
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)) ......... F577
(Column A)
Consolidated
Bank

Dollar Amounts in Thousands
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 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 ...................................................
d. Other loans .....................................................................

RCFD

Bil

Mil

M.8.b.

M.8.c.
M.9.
(Column B)
Domestic
Offices

Thou RCON

F608

Bil

Mil

Thou

F578

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

F579

M.10.a.(2)

F580

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

F581

M.10.a.(3)(b)(1)
M.10.a.(3)(b)(2)
M.10.a.(4)
M.10.a.(5)
M.10.b.

F582
F583
F584
F585

F585

F586
F587
K196

F586
F587
K196

K208
F589

K208
F589

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

03/2014

FFIEC 031
Page 27 of 79
RC-12

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

(Column B)
Domestic
Offices
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)

F593
F594
F595

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

F597

F596
F597

F598
F599

F598
F599

K195
K209
F601

K195
K209
F601

(Column B)
Gross contractual
amounts receivable
at acquisition date

Thou RCFD

Bil

Mil

M.11.c.(1)
M.11.c.(2)
M.11.c.(3)
M.11.c.(4)
M.11.d.

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

Thou RCFD

Bil

Mil

Thou

G091

G092

G093

G094

G095

G096

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

G097
G100

G098

G099
G102

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

G101

12/2011

FFIEC 031
Page 28 of 79
RC-13

Schedule RC-C—Continued
Part I—Continued
Memoranda—Continued
Dollar Amounts in Thousands
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 I, 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, 2013.

RCON

Bil

Mil

Thou

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 1.a, column B) ............................................... G376
b. Amount of interest capitalized from interest reserves on construction, land development,
RIAD
and other land loans that is included in interest and fee income on loans during the
quarter (included in Schedule RI, item 1.a.(1)(a)(2)) .................................................... G377
Memorandum item 14 is to be completed by all banks.

M.13.a.

M.13.b.

RCFD

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

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

RCON

J466

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

J467

Number
J468
J469

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

J470
J471

Mil

Thou

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

03/2014

FFIEC 031
Page 29 of 79
RC-14

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 original amounts of $100,000 or less
RCON Yes
(If your bank has no loans outstanding in both of these two loan categories, place an "X" in the
box marked "NO.")........................................................................................................... 6999

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 Schedule RC-C,
RCON
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)
Number of Loans

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
Bil

Mil

Thou

RCON

RCON

5564
5566

5565
5567

5568

5569

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

5570
5572
5574

5571
5573
5575

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

06/2012

FFIEC 031
Page 30 of 79
RC-15

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, item 3, column B, have original amounts of
RCON Yes
$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

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 Schedule
RCON
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)
Number of Loans

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
Bil

Mil

Thou

RCON

RCON

5578
5580

5579
5581

5582

5583

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

5584
5586
5588

5585
5587
5589

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

06/2012

FFIEC 031
Page 31 of 79
RC-16

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
Assets
1. U.S. Treasury securities .........................................................
2. U.S. Government agency obligations
(exclude mortgage-backed securities) .......................................
3. Securities issued by states and political subdivisions in the U.S ......
4. Mortgage-backed securities (MBS):
a. Residential mortgage pass-through securities issued or
guaranteed by FNMA, FHLMC, or GNMA ...............................
b. Other residential MBS issued or guaranteed by U.S. Government
agencies or sponsored agencies1
(include CMOs, REMICs, and stripped MBS) .............................
c. All other residential MBS .....................................................
d. Commercial MBS issued or guaranteed by U.S. Government
agencies or sponsored agencies1 ...........................................
e. All other commercial MBS.....................................................
5. Other debt securities:
a. Structured financial products:
(1) Cash...........................................................................
(2) Synthetic .....................................................................
(3) Hybrid .........................................................................
b. All other debt securities .......................................................
6. Loans:
a. Loans secured by real estate: ...............................................
(1) Construction, land development, and other land loans...........
(2) Secured by farmland
(including farm residential and other improvements)..............
(3) Secured by 1–4 family residential properties:
(a) Revolving, open-end loans secured by 1–4 family
residential properties and extended under lines of credit ...
(b) Closed-end loans secured by 1–4 family residential
properties:
(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 ....................................................
d. Other loans.......................................................................
7.-8. Not applicable

RCFD

Bil

Mil

(Column B)
Domestic Offices

Thou RCON

Bil

Mil

Thou

3531

3531

1.

3532
3533

3532
3533

2.
3.

G379

G379

4.a.

G380

G380

G381

G381

4.b.
4.c.

K197
K198

K197
K198

4.d.
4.e.

G383

G383

G384
G385
G386

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

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

F610

F614

F612
F613
F614

F615
F616

F615
F616

K199
K210
F618

K199
K210
F618

6.c.(1)
6.c.(2)
6.c.(3)
6.c.(4)
6.d.

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).
06/2012

FFIEC 031
Page 32 of 79
RC-17

Schedule RC-D—Continued
(Column A)
Consolidated Bank

Dollar Amounts in Thousands RCFD
9. Other trading assets ............................................................. 3541
10. Not applicable
11. Derivatives with a positive fair value.......................................... 3543
12. Total trading assets (sum of items 1 through 11)
(total of column A must equal Schedule RC, item 5) ..................... 3545
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)..................

Bil

Mil

(Column B)
Domestic Offices

Thou RCON
3541

Bil

Mil

Thou

9.

3543

11.

3545

12.

3546
F624

3546
F624

3547

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

F628
F629
F630

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

F632

F631
F632

F633
F634

F633
F634

K200

K200

K211
F636

K211
F636

F639

F639

F640

F640

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

06/2012

FFIEC 031
Page 33 of 79
RC-18

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

G299

G299

G332
G333

G332
G333

G334
G335

G334
G335

G651
G652

G651
G652

G387

G387

G388

G388

Bil

Mil

Thou

M.3.a.
M.3.b.
M.3.c.
M.3.d.
M.3.e.
M.3. f.
M.3.g.
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):1
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

F643
F644
F645
F646
F647
F648
F651
F652
F653
F654

F655
F656

Bil

Mil

Thou

M.5.a.
M.5.b.
M.5.c.
M.5.d.
M.5.e.
M.5. f.
M.6.
M.7.a.
M.7.b.
M.8.

F657

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

F658
F659
F660

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

1. Exclude equity securities.

06/2012

FFIEC 031
Page 34 of 79
RC-19

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

Nontransaction
Accounts

(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

B550

2202

2520

2203

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

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.

1. Includes interest-bearing and noninterest-bearing demand deposits.
2. 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.

06/2012

FFIEC 031
Page 35 of 79
RC-20

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 .............................................
5. Does your institution offer one or more consumer deposit account products, i.e., transaction
account or nontransaction savings account deposit products intended primarily for
individuals for personal, household, or family use? .........................................................

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.

RCON

Yes

No

P752

Memorandum items 6 and 7 are to be completed by institutions with $1 billion or more in total
assets5 that answered “Yes” to Memorandum item 5 above.
Dollar Amounts in Thousands RCON
6. Components of total transaction account deposits of individuals, partnerships, and corporations (sum of Memorandum items 6.a, 6.b, and 6.c must equal item 1, column A, above):
a. Total deposits in those noninterest-bearing transaction account deposit products
intended primarily for individuals for personal, household, or family use...................... P753
b. Total deposits in those interest-bearing transaction account deposit products intended
primarily for individuals for personal, household, or family use ................................... P754
c. Total deposits in all other transaction accounts of individuals, partnerships, and
corporations ......................................................................................................... P755

M.5.

Bil

Mil

Thou

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

1. Report fixed-rate time deposits by remaining maturity and floating-rate time deposits by next repricing date.
2. Sum of Memorandum items 3.a.(1) through 3.a.(4) must equal Schedule RC-E, Memorandum item 2.b.
3. Report both fixed- and floating-rate 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.
4. 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.
5. The $1 billion asset size test is generally based on the total assets reported on the June 30, 2013, Report of Condition.

03/2014

FFIEC 031
Page 36 of 79
RC-21

Schedule RC-E—Continued
Part I—Continued
Memoranda—Continued
Dollar Amounts in Thousands
7. Components of total nontransaction account deposits of individuals, partnerships, and
corporations (sum of Memorandum items 7.a.(1), 7.a.(2), 7.b.(1), and 7.b.(2) plus all time
deposits of individuals, partnerships, and corporations must equal item 1, column C, above):
a. Money market deposit accounts (MMDAs) of individuals, partnerships, and corporations
(sum of Memorandum items 7.a.(1) and 7.a.(2) must be less than or equal to
Memorandum item 2.a.(1) above):
(1) Total deposits in those MMDA deposit products intended primarily for individuals
for personal, household, or family use ...............................................................
(2) Deposits in all other MMDAs of individuals, partnerships, and corporations ...........
b. Other savings deposit accounts of individuals, partnerships, and corporations (sum of
Memorandum items 7.b.(1) and 7.b.(2) must be less than or equal to Memorandum item
2.a.(2) above):
(1) Total deposits in those other savings deposit account deposit products intended
primarily for individuals for personal, household, or family use.............................
(2) Deposits in all other savings deposit accounts of individuals, partnerships, and corporations...

RCON

Bil

Mil

Thou

P756

M.7.a.(1)
M.7.a.(2)

P757

P758

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

P759

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

RCFN

Bil

Mil

Thou

B553

1.

B554
2625

2.
3.
4.
5.
6.

2650
B555
2200

Memorandum
Dollar Amounts in Thousands 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.

03/2014

FFIEC 031
Page 37 of 79
RC-22

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

RCFD

Bil

Mil

Thou

B556
2148

1.
2.

A519
A520

3.a.
3.b.
4.

1752
K201

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

K202
K270
2168

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

2160

Schedule RC-G—Other Liabilities
Dollar Amounts in Thousands RCON
1. a. Interest accrued and unpaid on deposits in domestic offices5 ................................................ 3645

Bil

Mil

Thou

1.a.

RCFD

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

3646
3049
B557

1.b.
2.
3.

2938

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

2930

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

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

06/2014

FFIEC 031
Page 38 of 79
RC-23

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. Other 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) .........................................................

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
1287

8492
8496

8495
8499

11.
12.

G389

G390

1709

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

Mil

Bil

0211

RCON

Bil

RCON

RCON

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

Bil

Mil

Thou

10.

Bil

Mil

Thou

18.

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).

03/2014

FFIEC 031
Page 39 of 79
RC-24

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 obligations2
(excluding mortgage-backed securities) .................................................................
3. Mortgage-backed securities2 ................................................................................
4. All other securities2, 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 revolving credit plans other than credit cards, automobile loans,
and other consumer loans) ......................................................................
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 assets4 ............................................................................................ 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

RCFD

Tril

Bil

Mil

Thou

3381

1.

B558

2.
3.

B559
B560

4.
5.

3365
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

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

3484
3368

RCON

3485

10.

B563
A514
A529

11.a
11.b
11.c.

3404
3353

12.
13.

3355

14.

1. 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).
2. Quarterly averages for all debt securities should be based on amortized cost.
3. Quarterly averages for all equity securities should be based on historical cost.
4. The quarterly average for total assets should reflect all debt securities (not held for trading) at amortized cost, equity securities with readily
determinable fair values at the lower of cost or fair value, and equity securities without readily determinable fair values at historical cost.

06/2012

FFIEC 031
Page 40 of 79
RC-25

Schedule RC-L—Derivatives and Off-Balance-Sheet Items
Please read carefully the instructions for the preparation of Schedule RC-L. Some of the amounts reported in Schedule RC-L
are regarded as volume indicators and not necessarily as measures of risk.
Dollar Amounts in Thousands

RCFD

Bil

Mil

Thou

1. Unused commitments:
a. Revolving, open-end lines secured by 1– 4 family residential properties, e.g., home-equity
lines .................................................................................................................... 3814

1.a.

Items 1.a.(1) and 1.a.(2) are to be completed for the December report only.
RCON
(1) Unused commitments for Home Equity Conversion Mortgage (HECM) reverse mortgages
outstanding that are held for investment in domestic offices (included in item 1.a above) ....... J477
(2) Unused commitments for proprietary reverse mortgages outstanding that are held
for investment in domestic offices (included in item 1.a. above)................................... J478

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

RCFD

b. Credit card lines .................................................................................................... 3815

1.b.

Items 1.b.(1) and 1.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.1
(Sum of items 1.b.(1) and 1.b.(2) must equal item 1.b)
(1) Unused consumer credit card lines .......................................................................
(2) Other unused credit card lines..............................................................................
c. Commitments to fund commercial real estate, construction, and land development loans:
(1) Secured by real estate:
(a) 1–4 family residential construction loan commitments...........................................
(b) Commercial real estate, other construction loan, and land development loan
commitments ...............................................................................................
(2) NOT secured by real estate .................................................................................
d. Securities underwriting ............................................................................................
e. Other unused commitments:
(1) Commercial and industrial loans ...........................................................................
(2) Loans to financial institutions ...............................................................................
(3) All other unused commitments .............................................................................
2. Financial standby letters of credit..................................................................................

J455
J456

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

F164

1.c.(1)(a)

F165
6550

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

3817
J457
J458
J459
3819

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

Item 2.a is to be completed by banks with $1 billion or more in total assets.1
a. Amount of financial standby letters of credit conveyed to others....... 3820
3. Performance standby letters of credit ............................................................................ 3821

2.a.
3.

Item 3.a is to be completed by banks with $1 billion or more in total assets.1
a. Amount of performance standby letters of credit conveyed to others ..... 3822
4. Commercial and similar letters of credit.......................................................................... 3411
5. Not applicable
6. Securities lent (including customers' securities lent where the customer is indemnified against
loss by the reporting bank) .......................................................................................... 3433
(Column A)
Sold Protection

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

RCFD

Bil

Mil

3.a.
4.

6.

(Column B)
Purchased Protection

Thou RCFD

Bil

Mil

Thou

C968

C969

C970
C972
C974

C971
C973
C975

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

C219
C220

C221
C222

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

1. The 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, 2013, Report of Condition.
03/2014

FFIEC 031
Page 41 of 79
RC-26

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

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

G403

7.c.(2)(a)

G404

7.c.(2)(b)

G405

7.c.(2)(c)

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

8.

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 another party
(e.g., 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
5591
RC, item 27.a, "Total bank equity capital") ....................................
3435
a. Commitments to sell when-issued securities ..............................
TEXT
5592
b. 5592
TEXT
5593
c. 5593
TEXT
5594
d. 5594
TEXT
5595
e. 5595
RCFD Tril
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

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

Thou

11.a.
11.b.

1. 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.
2. 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.
3. 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.

03/2014

FFIEC 031
Page 42 of 79
RC-27

Schedule RC-L—Continued
(Column B)
Foreign Exchange
Contracts

(Column A)
Interest Rate
Contracts

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.....

Tril

Bil

Mil

Thou

Tril

Bil

Mil

Thou

(Column C)
Equity Derivative
Contracts
Tril

Bil

Mil

Thou

(Column D)
Commodity and Other
Contracts
Tril

Bil

Mil

RCFD 8693

RCFD 8694

RCFD 8695

RCFD 8696

RCFD 8697

RCFD 8698

RCFD 8699

RCFD 8700

12.a.
12.b.
RCFD 8701

RCFD 8702

RCFD 8703

RCFD 8704

RCFD 8705

RCFD 8706

RCFD 8707

RCFD 8708

12.c.(1)
12.c.(2)
RCFD 8709

RCFD 8710

RCFD 8711

RCFD 8712

RCFD 8713

RCFD 8714

RCFD 8715

RCFD 8716

RCFD 3450

RCFD 3826

RCFD 8719

RCFD 8720

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.
RCFD A126

RCFD A127

RCFD 8723

RCFD 8724

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)

06/2012

FFIEC 031
Page 43 of 79
RC-28

Schedule RC-L—Continued
Item 16 is to be completed only by banks with total assets of $10 billion or more.1
(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) Cash–U.S. dollar ............................
(2) Cash–Other 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)) .....

RCFD

Bil

Mil

(Column B)
Monoline Financial
Guarantors

Thou RCFD

Bil

Mil

(Column C)
Hedge Funds

Thou RCFD

Bil

Mil

(Column D)
Sovereign Governments
Thou RCFD

Bil

Mil

(Column E)
Corporations and All
Other Counterparties

Thou RCFD

Bil

Mil

Thou

G418

G419

G420

G421

G422

16.a.

G423
G428
G433

G424
G429
G434

G425
G430
G435

G426
G431
G436

G427
G432
G437

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

G438

G439

G440

G441

G442

G443
G448
G453

G444
G449
G454

G445
G450
G455

G446
G451
G456

G447
G452
G457

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

G458

G459

G460

G461

G462

16.b.(8)

1. The $10 billion asset size test is generally based on the total assets reported on the June 30, 2013, Report of Condition.

03/2014

FFIEC 031
Page 44 of 79
RC-29

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 of
total capital as defined for this purpose in agency regulations ................. 6165
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

6164

Bil

Mil

Thou

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

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.

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

06/2012

FFIEC 031
Page 45 of 79
RC-30

Schedule RC-M—Continued
Dollar Amounts in Thousands RCFD Yes
6. Does the reporting bank sell private label or third-party mutual funds and annuities? ........... B569
RCFD

Bil

No

6.
Mil

Thou

7. Assets under the reporting bank's management in proprietary mutual funds and annuities.......... B570
8. Internet website addresses and physical office trade names:
a. Uniform Resource Locator (URL) of the reporting institution’s primary Internet website (home page), if any
(Example: www.examplebank.com):
TEXT
http://
4087

7.

8.a.

b. URLs of all other public-facing Internet websites that the reporting institution uses to accept or solicit
deposits from the public, if any (Example: www.examplebank.biz):1
TE01
http://
(1)
N528
TE02
http://
(2)
N528
TE03
http://
(3)
N528
TE04
http://
(4)
N528
TE05
http://
(5)
N528
TE06
http://
(6)
N528
TE07
http://
(7)
N528
TE08
http://
(8)
N528
TE09
http://
(9)
N528
TE10
(10) N528 http://
c. Trade names other than the reporting institution’s legal title used to identify one or more of the institution’s
physical offices at which deposits are accepted or solicited from the public, if any:
TE01
(1)
N529
TE02
(2)
N529
TE03
(3)
N529
TE04
(4)
N529
TE05
(5)
N529
TE06
(6)
N529
RCFD Yes
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

Bil

RCON Yes
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

8.b.(1)
8.b.(2)
8.b.(3)
8.b.(4)
8.b.(5)
8.b.(6)
8.b.(7)
8.b.(8)
8.b.(9)
8.b.(10)

8.c.(1)
8.c.(2)
8.c.(3)
8.c.(4)
8.c.(5)
8.c.(6)

No

9.

Mil

Thou

10.a.
10.b.
No

11.
12.

1. Report only highest level URLs (for example, report www.examplebank.biz, but do not also report
www.examplebank.biz/checking). Report each top level domain name used (for example, report both www.examplebank.biz
and www.examplebank.net).

03/2014

FFIEC 031
Page 46 of 79
RC-31

Schedule RC-M—Continued
Dollar Amounts in Thousands
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....................

RCON

K169

Bil

Mil

Thou

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)

K170

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 (includes revolving credit plans other than credit cards,
and other consumer loans) ....................................................................
(5) All other loans and all leases .....................................................................

K178
K179

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

K180
K181

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

K182

13.a.(4)(c)
13.a.(5)

K183

Itemize the categories of loans and leases (as defined in Schedule RC-C, Part I) 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)
(b)
(c)
(d)

Loans to depository institutions and acceptances of other banks .................
Loans to foreign governments and official institutions ................................
Other loans1 ......................................................................................
Lease financing receivables .................................................................

K184
K185
K186
K273

13.a.(5)(a)
13.a.(5)(b)
13.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

13.a.(5)(e)

RCON

K187
K188
K189
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) ...........................
14. Captive insurance and reinsurance subsidiaries:
a. Total assets of captive insurance subsidiaries 2 ...................................................
b. Total assets of captive reinsurance subsidiaries2 ................................................

K260

13.b.(6)

RCFD

K192
J461
J462
K193
K194

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

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."
2. Report total assets before eliminating intercompany transactions between the consolidated insurance or reinsurance subsidiary and other offices or
consolidated subsidiaries of the reporting bank.
06/2014

FFIEC 031
Page 47 of 79
RC-32

Schedule RC-M—Continued
Item 15 is to be completed by institutions that are required or have elected to betreated as a Qualified Thrift Lender.
15. Qualified Thrift Lender (QTL) test:
Number

RCON

L133

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? ....................
Item 16.a and, if appropriate, items 16.c and 16.d are to be completed semiannually in the June
and December reports only. Item 16.b is to be completed annually in the June report only.
16. International remittance transfers offered to consumers:1
a. As of the report date, did your institution offer to consumers in any state any
of the following mechanisms for sending international remittance transfers?
(1) International wire transfers .............................................................................
(2) International ACH transactions........................................................................
(3) Other proprietary services operated by your institution......................................
(4) Other proprietary services operated by another party ........................................
b. Did your institution provide more than 100 international remittance transfers in the
previous calendar year or does your institution estimate that it will provide more
than 100 international remittance transfers in the current calendar year? ..................

15.a.
Yes

No

L135

15.b.

RCON Yes

No

N517
N518
N519
N520

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

N521

16.b.

Items 16.c and 16.d are to be completed by institutions that answered “Yes” to item 16.b in
the current report or, if item 16.b is not required to be completed in the current report, in
the most recent prior report in which item 16.b was required to be completed.
c. Indicate which of the mechanisms described in items 16.a.(1), (2), and (3) above is the
mechanism that your institution estimates accounted for the largest number of international
remittance transfers your institution provided during the two calendar quarters ending on
the report date. (For international wire transfers, enter 1; for international ACH transactions,
enter 2; for other proprietary services operated by your institution, enter 3. If your
institution did not provide any international remittance transfers using the mechanisms
described in items 16.a.(1), (2), and (3) above during the two calendar quarters ending on RCON
the report date, enter 0.)......................................................................................... N522
d. Estimated number and dollar value of international remittance transfers provided by your
institution during the two calendar quarters ending on the report date:
(1) Estimated number of international remittance transfers ..................................... N523

Number

16.c.

16.d.(1)
Bil

(2) Estimated dollar value of international remittance transfers ............................... N524
(3) Estimated number of international remittance transfers for which your institution
applied the temporary exception ..................................................................... N527

Mil

Thou

16.d.(2)
Number

16.d.(3)

1. Report information about international electronic transfers of funds offered to consumers in the United States that:
(a) are “remittance transfers” as defined by subpart B of Regulation E (12 CFR § 1005.30(e)), or
(b) would qualify as “remittance transfers” under subpart B of Regulation E (12 CFR § 1005.30(e)) but are excluded from that definition only because
the provider is not providing those transfers in the normal course of its business. See 12 CFR § 1005.30(f).
For purposes of this item 16, such transfers are referred to as international remittance transfers.
Exclude transfers sent by your institution as a correspondent bank for other providers. With the exception of item 16.a.(4), report
information only about transfers for which the reporting institution is the provider. For item 16.a.(4), report information about
transfers for which another party is the provider, and the reporting institution is an agent or a similar type of business partner interacting with the
consumers sending the international remittance transfers.

06/2014

FFIEC 031
Page 48 of 79
RC-33

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 (revolving credit plans other than
credit cards, and other consumer loans) ......
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.

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

5390

5391

5459

5460

5461

6.
7.

1. f.

06/2012

FFIEC 031
Page 49 of 79
RC-34

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 losssharing 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)

06/2012

FFIEC 031
Page 50 of 79
RC-35

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 (includes revolving credit plans
other than credit cards, and other
consumer loans)..............................
e. All other loans and all leases .................

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

K073

K074

K075

K076

K077

11.b.
11.c.

K078
K081

K079
K082

K080
K083

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

K084

K085

K086

K087

K088

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

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 losssharing agreements............................

11.e.(5)

11. f.

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."

06/2012

FFIEC 031
Page 51 of 79
RC-36

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

Dollar Amounts in Thousands
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 ....
(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 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 offices .............................
(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 (includes revolving credit plans
other than credit cards, and other
consumer 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

K105

K106

K107

M.1.a.(1)

K108

K109

K110

M.1.a.(2)

F661

F662

F663

M.1.b.

K111

K112

K113

M.1.c.

K114

K115

K116

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

K117

K118

K119

RCFD

RCFD

RCFD

K120
K123

K121
K124

K122
K125

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

K126

K127

K128

M.1. f.

RCON

RCON

RCON

K130

K131

K132

RCFD

RCFD

RCFD

K134

K135

K136

M.1. f.(2)

K138

K139

K140

M.1. f.(3)

K274

K275

K276

K277

K278

K279

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

K280

K281

K282

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

M.1. f.(1)

06/2012

FFIEC 031
Page 52 of 79
RC-37

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

Mil

Thou

K284

K285

K286

K287

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)

RCFD

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

Bil

Mil

Thou

3530

M.6.
RCFD

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

Dollar Amounts in Thousands
9. Purchased credit-impaired loans accounted for
in accordance with FASB ASC 310-30 (former
AICPA Statement of Position 03-3):
a. Outstanding balance..............................
b. Carrying amount included in Schedule
RC-N, items 1 though 7, above................

Bil

K283

(Column A)
Past due
30 through 89 days

Dollar Amounts in Thousands
6. Derivative contracts:
Fair value of amounts carried as assets ........

Bil

(Column C)
Nonaccrual

Bil

Mil

Thou

C410
C411

M.7.
M.8.

(Column A)
(Column B)
(Column C)
Past due
Past due 90
Nonaccrual
30 through 89
days or more
days and still
and still
accruing
accruing
Mil Thou RCFD Bil
Mil Thou RCFD Bil
Mil Thou
RCFD Bil

L183

L184

L185

M.9.a.

L186

L187

L188

M.9.b.

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."

06/2012

FFIEC 031
Page 53 of 79
RC-38

Schedule RC-O—Other Data for Deposit Insurance and FICO Assessments
All FDIC-insured depository institutions must complete items 1 through 9, 10, and 11, Memorandum item 1, and, if applicable, item 9.a,
Memorandum items 2, 3, and 6 through 18 each quarter. Unless otherwise indicated, complete items 1 through 11 and Memorandum
items 1 through 3 on an “unconsolidated single FDIC certificate number basis” (see instructions) and
complete Memorandum items 6 through 18 on a fully consolidated basis.
Dollar Amounts in Thousands RCFD
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
(including foreign deposits)............................................................................................... F237
RCFN
3. Total foreign deposits, including interest accrued and unpaid thereon
(included in item 2 above) ................................................................................................ F234

Bil

Mil

Thou

1.
2.
3.

RCFD

4. Average consolidated total assets for the calendar quarter......................................................
Number
a. Averaging method used
(for daily averaging, enter 1, for weekly averaging, enter 2) .................. K653

K652

4.
4.a.
Bil

5. Average tangible equity for the calendar quarter1 ..................................................................
6. Holdings of long-term unsecured debt issued by other FDIC-insured depository
institutions ....................................................................................................................
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 10.b):
a. One year or less .........................................................................................................
b. Over one year through three years .................................................................................
c. Over three years through five years ................................................................................
d. Over five years ...........................................................................................................
8. Subordinated notes and debentures with a remaining maturity of
(sum of items 8.a through 8.d must equal Schedule RC, item 19):
a. One year or less .........................................................................................................
b. Over one year through three years .................................................................................
c. Over three years through five years ................................................................................
d. Over five years ...........................................................................................................

Mil

Thou

K654

5.

K655

6.

G465
G466

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

G467
G468

G469
G470

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

G471
G472
RCON

9. Reciprocal brokered deposits (included in Schedule RC-E, Part I, Memorandum item 1.b) ............ G803

9.

Item 9.a is to be completed on a fully consolidated basis by all institutions that own another insured
depository institution.
a. Fully consolidated reciprocal brokered deposits.................................................................
10. Banker's bank certification:
Does the reporting institution meet both the statutory definition of a banker's bank and the
business conduct test set forth in FDIC regulations?..............................................................

L190
RCFD

No

10.
Bil

Mil

Thou

K657

10.a.
10.b.

K658
Yes

No

K659

If the answer to item 11 is "YES," complete items 11.a and 11.b.
a. Custodial bank deduction .............................................................................................
b. Custodial bank deduction limit .......................................................................................

Yes

K656

If the answer to item 10 is "YES," complete items 10.a and 10.b.
a. Banker's bank deduction ..............................................................................................
b. Banker's bank deduction limit ........................................................................................
11. Custodial bank certification:
Does the reporting institution meet the definition of a custodial bank set forth in FDIC
regulations? ..................................................................................................................

9.a.

11.
Bil

K660
K661

Mil

Thou

11.a.
11.b.

1. See instructions for averaging methods. Tangible equity is defined as Tier 1 capital as set forth in the banking agencies' regulatory capital standards
and reported in Schedule RC-R, Part I.B, item 26, by advanced approaches institutions and in Schedule RC-R, Part I.A, item 11, by all other
institutions, except as described in the instructions.
06/2014

FFIEC 031
Page 54 of 79
RC-39

Schedule RC-O—Continued
Memoranda
Dollar Amounts in Thousands RCON
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
(1) Amount of deposit accounts (excluding retirement accounts) of $250,000 or less............ F049
Number
(2) Number of deposit accounts (excluding retirement accounts)
of $250,000 or less .............................................................. F050
b. Deposit accounts (excluding retirement accounts) of more than $250,000:1
(1) Amount of deposit accounts (excluding retirement accounts) of more than $250,000 ....... F051
Number
(2) Number of deposit accounts (excluding retirement accounts)
of more than $250,000 ......................................................... F052
c. Retirement deposit accounts of $250,000 or less:1
(1) Amount of retirement deposit accounts of $250,000 or less ....................................... F045

Bil

Mil

Thou

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

Number

(2) Number of retirement deposit accounts of $250,000 or less.......... F046
d. Retirement deposit accounts of more than $250,000:1
(1) Amount of retirement deposit accounts of more than $250,000 .................................. F047

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

Number

(2) Number of retirement deposit accounts of more than $250,000 .... F048

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 .......................................................................... 5597
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?
If so, report the legal title and FDIC Certificate Number of the parent bank or parent savings
RCON
association:
TEXT
A545

A545

M.2.

FDIC Cert. No.

M.3.

4. and 5. Not applicable.

1. The dollar amounts used as the basis for reporting in Memorandum items 1.a through 1.d reflect the deposit insurance limits in effect on the report date.
2. The $1 billion asset size test is generally based on the total assets reported on the June 30, 2013, Report of Condition.
3. Uninsured deposits should be estimated based on the deposit insurance limits set forth in Memorandum items 1.a through 1.d.

03/2014

FFIEC 031
Page 55 of 79
RC-40

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:
a. Nontraditional 1 -4 family residential mortgage loans......................................................
b. Securitizations of nontraditional 1 -4 family residential mortgage loans ..............................
8. “Higher-risk consumer loans” as defined for assessment purposes only in FDIC regulations:
a. Higher-risk consumer loans .....................................................................................
b. Securitizations of higher-risk consumer loans................................................................
9. “Higher-risk commercial and industrial loans and securities” as defined for assessment
purposes only in FDIC regulations:
a. Higher-risk commercial and industrial loans and securities ..............................................
b. Securitizations of higher-risk commercial and industrial loans and securities .......................

RCFD

Bil

Mil

Thou

K665
K666

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

N025
N026

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

N027
N028

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

N029
N030

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

10. Commitments to fund construction, land development, and other land loans secured by real
estate for the consolidated bank:
a. Total unfunded commitments ....................................................................................

K676

M.10.a.

b. Portion of unfunded commitments guaranteed or insured by the U.S. government
(including the FDIC) ................................................................................................

K663
K664

K677

M.10.b.

11. Amount of other real estate owned recoverable from the U.S. government under guarantee or
insurance provisions (excluding FDIC loss-sharing agreements) ......................................

K669

M.11.

12. Nonbrokered time deposits of more than $250,000 in domestic offices (included in Schedule
RC-E, Part I, Memorandum item 2.d) .........................................................................

RCON
K678

M.12.

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.h are to be completed by
"large institutions" only.
13. Portion of funded loans and securities in domestic and foreign offices guaranteed or insured by
the U.S. government (including FDIC loss-sharing agreements):
a. Construction, land development, and other land loans secured by real estate......................
b. Loans secured by multifamily residential and nonfarm nonresidential properties...................
c. Closed-end loans secured by first liens on 1– 4 family residential properties ........................
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 .................................................................................................
e. Commercial and industrial loans ................................................................................
f. Credit card loans to individuals for household, family, and other personal expenditures ...............
g. All other loans to individuals for household, family, and other personal expenditures.............
h. Non-agency residential mortgage-backed securities .......................................................

RCFD

N177
N178
N179

N180
N181
N182
N183
M963

M.13.a.
M.13.b.
M.13.c.

M.13.d.
M.13.e.
M.13.f.
M.13.g.
M.13.h.

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....................................................
15. Total amount of the institution's 20 largest counterparty exposures .......................................

K673
K674

M.14.
M.15.

03/2014

FFIEC 031
Page 56 of 79
RC-41

Schedule RC-O—Continued
Memoranda—Continued
Dollar Amounts in Thousands

RCFD

Bil

Mil

Thou

Memorandum item 16 is to be completed by “large institutions” and “highly complex institutions” as
defined in FDIC regulations.
16. Portion of loans restructured in troubled debt restructurings that are in compliance with their
modified terms and are guaranteed or insured by the U.S. government (including the FDIC)
(included in Schedule RC-C, Part I, Memorandum item 1) ..................................................

L189

M.16.

L194

M.17.a.

L195
L196

M.17.b.
M.17.c.

Memorandum item 17 is to be completed on a fully consolidated basis by those “large institutions”
and “highly complex institutions” as defined in FDIC regulations that own another insured
depository institution.
17. Selected fully consolidated data for deposit insurance assessment purposes:
a. Total deposit liabilities before exclusions (gross) as defined in Section 3(l) of the Federal
Deposit Insurance Act and FDIC regulations.................................................................
b. Total allowable exclusions, including interest accrued and unpaid on allowable exclusions
(including foreign deposits).........................................................................................
c. Unsecured “Other borrowings” with a remaining maturity of one year or less .......................
d. Estimated amount of uninsured deposits in domestic offices of the institution and in insured
branches in Puerto Rico and U.S. territories and possessions, including related interest
accrued and unpaid ................................................................................................

RCON

L197

M.17.d.

06/2012

FFIEC 031
Page 57 of 79
RC-42

Schedule RC-O—Continued
Memorandum item 18 is to be completed by “large institutions” and “highly complex institutions” as defined in FDIC regulations.
Amounts reported in Memorandum item 18 will not be made available to the public on an individual institution basis.
Two-Year Probability of Default (PD)

Dollar Amounts in Thousands
18. Outstanding balance of 1–4 family
residential mortgage loans, consumer
loans, and consumer leases by twoyear probability of default:
a. “Nontraditional 1– 4 family
residential mortgage loans” as
defined for assessment purposes
only in FDIC regulations .............
b. Closed-end loans secured by first
liens on 1– 4 family residential
properties ................................
c. Closed-end loans secured by
junior liens on 1– 4 family
residential properties..................
d. Revolving, open-end loans secured by
1–4 family residential properties and
extended under lines of credit..........

(Column A)

(Column B)

(Column C)

(Column D)

(Column E)

(Column F)

(Column G)

” 1%

1.01– 4%

4.01–7%

7.01–10%

10.01–14%

14.01–16%

16.01–18%

Bil

Mil

Thou

RCFD M964

Bil

Mil

Thou

RCFD M965

Bil

Mil

Thou

RCFD M966

Bil

Mil

Thou

RCFD M967

Bil

Mil

Thou

RCFD M968

Bil

Mil

Thou

RCFD M969

Bil

Mil Thou

RCFD M970

(Column H)
18.01–20%
Bil

Mil Thou

RCFD M971

M.18.a.
RCFD M979

RCFD M980

RCFD M981

RCFD M982

RCFD M983

RCFD M984

RCFD M985

RCFD M986

M.18.b.
RCFD M994

RCFD M995

RCFD M996

RCFD M997

RCFD M998

RCFD M999

RCFD N001

RCFD N002

M.18.c.
RCFD N010

RCFD N011

RCFD N012

RCFD N013

RCFD N014

RCFD N015

RCFD N016

RCFD N017

RCFD N040

RCFD N041

RCFD N042

RCFD N043

RCFD N044

RCFD N045

RCFD N046

RCFD N047

RCFD N055

RCFD N056

RCFD N057

RCFD N058

RCFD N059

RCFD N060

RCFD N061

RCFD N062

RCFD N070

RCFD N071

RCFD N072

RCFD N073

RCFD N074

RCFD N075

RCFD N076

RCFD N077

M.18.d.

e. Credit cards .............................

M.18.e.

f. Automobile loans ......................

M.18.f.

g. Student loans ...........................
h. Other consumer loans and
revolving credit plans other
than credit cards .......................

M.18.g.
RCFD N085

RCFD N086

RCFD N087

RCFD N088

RCFD N089

RCFD N090

RCFD N091

RCFD N092

RCFD N100

RCFD N101

RCFD N102

RCFD N103

RCFD N104

RCFD N105

RCFD N106

RCFD N107

RCFD N115

RCFD N116

RCFD N117

RCFD N118

RCFD N119

RCFD N120

RCFD N121

RCFD N122

M.18.h.

i. Consumer leases ......................
j. Total .......................................

M.18.i.
M.18.j.

03/2014

FFIEC 031
Page 58 of 79
RC-43

Schedule RC-O—Continued
Memorandum item 18 is to be completed by “large institutions” and “highly complex institutions” as defined in FDIC regulations.
Amounts reported in Memorandum item 18 will not be made available to the public on an individual institution basis.
Two-Year Probability of Default (PD)

Dollar Amounts in Thousands
18. Outstanding balance of 1–4 family
residential mortgage loans, consumer
loans, and consumer leases by twoyear probability of default:
a. “Nontraditional 1– 4 family
residential mortgage loans” as
defined for assessment purposes
only in FDIC regulations ...................................
b. Closed-end loans secured by
first liens on 1–4 family
residential properties........................................
c. Closed-end loans secured by
junior liens on 1– 4 family
residential properties........................................
d. Revolving, open-end loans secured
by 1–4 family residential properties
and extended under lines of credit ..........................

(Column I)

(Column J)

(Column K)

(Column L)

(Column M)

20.01–22%

22.01–26%

26.01–30%

> 30%

Unscoreable

Bil

Mil

Thou

RCFD M972

Bil

Mil

Thou

RCFD M973

Bil

Mil

Thou

RCFD M974

Bil

Mil

Thou

RCFD M975

Bil

Mil

Thou

RCFD M976

(Column N)
Total
Bil

Mil Thou

RCFD M977

(Column O)
PDs Were
Derived
Using1
Number

RCFD M978

M.18.a.
RCFD M987

RCFD M988

RCFD M989

RCFD M990

RCFD M991

RCFD M992

RCFD M993

M.18.b.
RCFD N003

RCFD N004

RCFD N005

RCFD N006

RCFD N007

RCFD N008

RCFD N009

M.18.c.
RCFD N018

RCFD N019

RCFD N020

RCFD N021

RCFD N022

RCFD N023

RCFD N024

RCFD N048

RCFD N049

RCFD N050

RCFD N051

RCFD N052

RCFD N053

RCFD N054

RCFD N063

RCFD N064

RCFD N065

RCFD N066

RCFD N067

RCFD N068

RCFD N069

RCFD N078

RCFD N079

RCFD N080

RCFD N081

RCFD N082

RCFD N083

RCFD N084

M.18.d.

e. Credit cards ...................................................

M.18.e.

f. Automobile loans ............................................

M.18.f.

g. Student loans .................................................
h. Other consumer loans and
revolving credit plans other
than credit cards .............................................

M.18.g.
RCFD N093

RCFD N094

RCFD N095

RCFD N096

RCFD N097

RCFD N098

RCFD N099

RCFD N108

RCFD N109

RCFD N110

RCFD N111

RCFD N112

RCFD N113

RCFD N114

RCFD N123

RCFD N124

RCFD N125

RCFD N126

RCFD N127

RCFD N128

M.18.h.

i. Consumer leases ............................................

M.18.i.

j. Total .............................................................

M.18.j.

1. For PDs derived using scores and default rate mappings provided by a third-party vendor, enter 1; for PDs derived using an internal approach, enter 2;
for PDs derived using third-party vendor mappings for some loans within a product type and an internal approach for other loans within the same product type, enter 3.
If the total reported in Column N for a product type is zero, enter 0.
03/2014

FFIEC 031
Page 59 of 79
RC-44

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 assets1 and (2) banks with less than $1 billion
in total assets at which either 1– 4 family residential mortgage loan originations and purchases for resale2 from all sources,
loan sales, or quarter-end loans held for sale 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...............................................................................................
c. Open-end loans extended under lines of credit:
(1) Total commitment under the lines of credit .................................................................
(2) Principal amount funded under the lines of credit ........................................................
2. Wholesale originations and purchases during the quarter of 1– 4 family residential mortgage
loans for sale:2
a. Closed-end first liens .................................................................................................
b. Closed-end junior liens...............................................................................................
c. Open-end loans extended under lines of credit:
(1) Total commitment under the lines of credit .................................................................
(2) Principal amount funded under the lines of credit ........................................................
3. 1–4 family residential 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:
(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, 5.f, 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 ........................................................
7. Representation and warranty reserves for 1– 4 family residential mortgage loans sold:
a. For representations and warranties made to U.S. government agencies and
government-sponsored agencies .................................................................................
b. For representations and warranties made to other parties .................................................
c. Total representation and warranty reserves (sum of items 7.a and 7.b) ................................

RCON

Bil

Mil

Thou

F066
F067

1.a.
1.b.

F670
F671

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

F068

2.a.
2.b.

F069
F672
F673
F070
F071
F674

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

F675

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

F072
F073

4.a.
4.b.

F676
F677

4.c.(1)
4.c.(2)

RIAD
F184
F560

5.a.
5.b.

RCON

F678
F679
F680
F681

L191
L192
M288

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

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

1. The $1 billion asset size test is generally based on the total assets reported on the June 30, 2013, Report of Condition.
2. Exclude originations and purchases of 1– 4 family residential mortgage loans that are held for investment.

03/2014

FFIEC 031
Page 60 of 79
RC-45

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 assets 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

G503

G504

G505

G506

7.

F252

F686

F694

F253

F254

8.

G507

G508

G509

G510

G511

9.

3547

G512

G513

G514

G515

G516
G521
G526

G517
G522
G527

G518
G523
G528

G519
G524
G529

G520
G525
G530

G805

G806

G807

G808

G809

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

G531

G532

G533

G534

G535

14.

06/2012

FFIEC 031
Page 61 of 79
RC-46

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 percent 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 percent 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

G536
G541

G537
G542

G538
G543

G539
G544

G540
G545

G546

G547

G548

G549

G550

G551
G556

G552
G557

G553
G558

G554
G559

G555
G560

G561

G562

G563

G564

G565

F261

F689

F697

F262

F263

G566
G571

G567
G572

G568
G573

G569
G574

G570
G575

G576

G577

G578

G579

G580

G581
G586

G582
G587

G583
G588

G584
G589

G585
G590

Bil

Mil

Thou

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

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

06/2012

FFIEC 031
Page 62 of 79
RC-47

Schedule RC-R—Regulatory Capital
For report dates in 2014, all institutions (except advanced approaches institutions) must complete Parts I.A and II
of Schedule RC-R; advanced approaches institutions must complete Parts I.B and II of Schedule RC-R.
(See instructions for the definition of an advanced approaches institution.)

Part I.A. Regulatory Capital Components and Ratios
Dollar Amounts in Thousands
Tier 1 Capital
1. Total bank equity capital (from Schedule RC, item 27.a) ........................................................
2. LESS: Net unrealized gains (losses) on available-for-sale securities1
(if a gain, report as a positive value; if a loss, report as a negative value) ..................................
3. LESS: Net unrealized loss on available-for-sale EQUITY securities1
(report loss as a positive value) ........................................................................................
4. LESS: Accumulated net gains (losses) on cash flow hedges1 and amounts recorded in AOCI
resulting from the initial and subsequent application of FASB ASC 715-20 (former FASB Statement
No.158) to defined benefit postretirement plans (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..................................
7. a. LESS: Disallowed goodwill and other disallowed intangible assets .......................................
b. LESS: Cumulative change in fair value of all financial liabilities accounted for under a fair value
option that is included in retained earnings and is attributable to changes in the bank's own
creditworthiness
(if a net gain, report as a positive value; if a net loss, report as a negative value).....................
8. Subtotal (sum of items 1 and 6, less items 2, 3, 4, 5, 7.a, and 7.b)...........................................
9. a. LESS: Disallowed servicing assets and purchased credit card relationships ...........................
b. LESS: Disallowed deferred tax assets ............................................................................
10. Other additions to (deductions from) Tier 1 capital................................................................
11. Tier 1 capital (sum of items 8 and 10, less items 9.a and 9.b) .................................................
Tier 2 Capital
12. Qualifying subordinated debt and redeemable preferred stock ................................................
13. Cumulative perpetual preferred stock includible in Tier 2 capital ..............................................
14. Allowance for loan and lease losses includible in Tier 2 capital ...............................................
15. Unrealized gains on available-for-sale equity securities includible in Tier 2 capital ......................
16. Other Tier 2 capital components .......................................................................................
17. Tier 2 capital (sum of items 12 through 16) .........................................................................
18. Allowable Tier 2 capital (lesser of item 11 or 17) ..................................................................
19. Not applicable
20. LESS: Deductions for total risk-based capital ......................................................................
21. Total risk-based capital (sum of items 11 and 18, less item 20) ...............................................
Total Assets for Leverage Ratio
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 .........................

RCFD

L136

RCFD

Bil

Mil

Thou

3210

1.

8434

2.

A221

3.

4336
B588
B589

4.
5.
6.
7.a.

B590

F264
C227
B591

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

5610
B592
8274

5306
B593
5310

8275

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

B595
3792

20.
21.

2221
B594
5311

Tril

Bil

Mil

Thou

B590
B591
5610
L137

22.
23.
24.
25.
26.

27. Total assets for leverage capital purposes (sum of items 22 and 26 less items 23 through 25) ........ L138

27.

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

03/2014

FFIEC 031
Page 63 of 79
RC-48

Schedule RC-R—Continued
Part I.A—Continued
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 Part II, item 62................................................
30. Adjustment to average total assets reported in item 27..........................................................

RCFD

Bil

Mil

Thou

C228
B503
B504
B505

Capital Ratios
(Column A)
(Column B)
(Column B is to be completed by all banks. Column A is to be completed by banks with
Percentage
Percentage
RCFD
RCFD
financial subsidiaries.)
1
.
.
7273
7204
31. Tier 1 leverage ratio ......................................................................................
2
.
.
7274
7206
32. Tier 1 risk-based capital ratio ..........................................................................
3
.
.
7275
7205
33. Total risk-based capital ratio ...........................................................................

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

31.
32.
33.

All institutions also must complete Schedule RC-R, Part II.

1. 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).
2. The ratio for column B is item 11 divided by Part II, item 62. The ratio for column A is item 11 minus item 28.a divided by
(Part II, item 62 minus item 29).
3. The ratio for column B is item 21 divided by Part II, item 62. The ratio for column A is item 21 minus item 28.b divided by
(Part II, item 62 minus item 29).

03/2014

FFIEC 031
Page 64 of 79
RC-49

Schedule RC-R—Regulatory Capital
Part I.B. Regulatory Capital Components and Ratios
Advanced approaches institutions must complete Schedule RC-R, Part I.B, starting March 31, 2014.
Starting March 31, 2015, all other institutions also must complete this Part I.B.
On that date, Schedule RC-R, Part I.A, will be removed and Part I.B will be designated Part I.
Part I.B is to be completed on a consolidated basis.
Dollar Amounts in Thousands

RCFA

Bil

Mil

Thou

Common Equity Tier 1 Capital
1. Common stock plus related surplus, net of treasury stock and unearned employee
stock ownership plan (ESOP) shares................................................................................ P742

1.

RCFD

2. Retained earnings ........................................................................................................ 3632

2.

RCFA

3. Accumulated other comprehensive income (AOCI).............................................................. B530
0=No RCOA

a. AOCI opt-out election (enter “1” for Yes; enter “0” for No.)
(Advanced approaches institutions must enter “0” for No.) ................................................

3.a.

1=Yes P838

RCFA

4. Common equity tier 1 minority interest includable in common equity tier 1 capital ...................... P839
5. Common equity tier 1 capital before adjustments and deductions (sum of items 1 through 4) ....... P840
Common Equity Tier 1 Capital: Adjustments and Deductions
6. LESS: Goodwill net of associated deferred tax liabilities (DTLs) .............................................
7. LESS: Intangible assets (other than goodwill and mortgage servicing assets (MSAs)), net of
associated DTLs ..........................................................................................................
8. LESS: Deferred tax assets (DTAs) that arise from net operating loss and tax credit
carryforwards, net of any related valuation allowances and net of DTLs ...................................
9. AOCI-related adjustments (items 9.a through 9.e are effective January 1, 2015)
(if entered “1” for Yes in item 3.a, complete only items 9.a through 9.e;
if entered “0” for No in item 3.a, complete only item 9.f):
a. 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) .........................................................
b. LESS: Net unrealized loss on available-for-sale preferred stock classified as an equity
security under GAAP and available-for-sale equity exposures (report loss as a positive value) ..
c. LESS: Accumulated net gains (losses) on cash flow hedges (if a gain, report as a positive
value; if a loss, report as a negative value) ....................................................................
d. LESS: Amounts recorded in AOCI attributed to defined benefit postretirement plans
resulting from the initial and subsequent application of the relevant GAAP standards that
pertain to such plans (if a gain, report as a positive value; if a loss, report as a negative value) ...
e. LESS: Net unrealized gains (losses) on held-to-maturity securities that are included in
AOCI (if a gain, report as a positive value; if a loss, report as a negative value).....................
f. To be completed only by institutions that entered “0” for No in item 3.a:
LESS: Accumulated net gain (loss) on cash flow hedges included in AOCI, net of applicable
income taxes, that relates to the hedging of items that are not recognized at fair value on the
balance sheet (if a gain, report as a positive value; if a loss, report as a negative value) .........
10. Other deductions from (additions to) common equity tier 1 capital before threshold-based deductions:
a. LESS: Unrealized net gain (loss) related to changes in the fair value of liabilities that are
due to changes in own credit risk (if a gain, report as a positive value; if a loss, report as
a negative value)......................................................................................................
b. LESS: All other deductions from (additions to) common equity tier 1 capital before
threshold-based deductions........................................................................................
11. LESS: Non-significant investments in the capital of unconsolidated financial institutions in the
form of common stock that exceed the 10 percent threshold for non-significant investments ........
12. Subtotal (item 5 minus items 6 through 11) ........................................................................

3.

Bil

Mil

Thou

4.
5.

P841

6.

P842

7.

P843

8.

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

9.d.
9.e.

P849

9.f.

Q258

10.a.

P850

10.b.

P851

11.
12.

P852

03/2014

FFIEC 031
Page 65 of 79
RC-50

Schedule RC-R—Continued
Part I.B—Continued
Dollar Amounts in Thousands
13. LESS: Significant investments in the capital of unconsolidated financial institutions in the form
of common stock, net of associated DTLs, that exceed the 10 percent common equity tier 1
capital deduction threshold .............................................................................................
14. LESS: MSAs, net of associated DTLs, that exceed the 10 percent common equity tier 1 capital
deduction threshold.......................................................................................................
15. LESS: DTAs arising from temporary differences that could not be realized through net operating
loss carrybacks, net of related valuation allowances and net of DTLs, that exceed the 10 percent
common equity tier 1 capital deduction threshold ................................................................
16. LESS: Amount of significant investments in the capital of unconsolidated financial institutions in
the form of common stock, net of associated DTLs; MSAs, net of associated DTLs; and DTAs
arising from temporary differences that could not be realized through net operating loss
carrybacks, net of related valuation allowances and net of DTLs; that exceeds the 15 percent
common equity tier 1 capital deduction threshold ................................................................
17. LESS: Deductions applied to common equity tier 1 capital due to insufficient amounts of
additional tier 1 capital and tier 2 capital to cover deductions .................................................
18. Total adjustments and deductions for common equity tier 1 capital (sum of items 13 through 17) ...
19. Common equity tier 1 capital (item 12 minus item 18) ........................................................

RCFA

Bil

Mil

Thou

P853

13.

P854

14.

P855

15.

P856

16.

P857
P858
P859

17.
18.
19.

P860
P861
P862
P863
P864
P865

20.
21.
22.
23.
24.
25.

Tier 1 Capital
26. Tier 1 capital (sum of items 19 and 25)............................................................................. 8274

26.

Additional Tier 1 Capital
20. Additional tier 1 capital instruments plus related surplus........................................................
21. Non-qualifying capital instruments subject to phase-out from additional tier 1 capital ..................
22. Tier 1 minority interest not included in common equity tier 1 capital .........................................
23. Additional tier 1 capital before deductions (sum of items 20, 21, and 22) ..................................
24. LESS: Additional tier 1 capital deductions ..........................................................................
25. Additional tier 1 capital (greater of item 23 minus item 24, or zero) .......................................

Tier 2 Capital
27. Tier 2 capital instruments plus related surplus.....................................................................
28. Non-qualifying capital instruments subject to phase-out from tier 2 capital ................................
29. Total capital minority interest that is not included in tier 1 capital .............................................
30. a. Allowance for loan and lease losses includable in tier 2 capital...........................................
b. (Advanced approaches institutions that exit parallel run only): Eligible credit reserves
includable in tier 2 capital ...........................................................................................
31. Unrealized gains on available-for-sale preferred stock classified as an equity security under
GAAP and available-for-sale equity exposures includable in tier 2 capital .................................
32. a. Tier 2 capital before deductions (sum of items 27 through 30.a, plus item 31) .......................
b. (Advanced approaches institutions that exit parallel run only): Tier 2 capital before deductions
(sum of items 27 through 29, plus items 30.b and 31).......................................................

P866
P867
P868
5310

27.
28.
29.
30.a.

RCFW

5310

30.b.

RCFA

Q257
P870

31.
32.a.

RCFW

P870

32.b.

RCFA

33. LESS: Tier 2 capital deductions ....................................................................................... P872
34. a. Tier 2 capital (greater of item 32.a minus item 33, or zero) ............................................... 5311
RCFW
b. (Advanced approaches institutions that exit parallel run only): Tier 2 capital (greater of item
32.b minus item 33, or zero)........................................................................................ 5311
RCFA
Total Capital
35. a. Total capital (sum of items 26 and 34.a) ...................................................................... 3792
RCFW
b. (Advanced approaches institutions that exit parallel run only): Total capital (sum
of items 26 and 34.b)................................................................................................. 3792

33.
34.a.
34.b.
35.a.
35.b.

03/2014

FFIEC 031
Page 66 of 79
RC-51

Schedule RC-R—Continued
Part I.B—Continued
Dollar Amounts in Thousands
Total Assets for the Leverage Ratio
36. Average total consolidated assets ....................................................................................
37. LESS: Deductions from common equity tier 1 capital and additional tier 1 capital (sum of items
6, 7, 8, 10.b, 11, 13 through 17, and certain elements of item 24 - see instructions)....................
38. LESS: Other deductions from (additions to) assets for leverage ratio purposes..........................
39. Total assets for the leverage ratio (item 36 minus items 37 and 38) .....................................

RCFD

Bil

Mil

Thou

3368

36.

RCFA

P875
B596
A224

37.
38.
39.

Total Risk-Weighted Assets
40. a. Total risk-weighted assets (from Schedule RC-R, Part II, item 62).................................... A223
RCFW
b. (Advanced approaches institutions that exit parallel run only): Total risk-weighted assets
using advanced approaches rule (from FFIEC 101 Schedule A, item 60).............................. A223

40.a.
40.b.

Risk-Based Capital Ratios
(Column A)
(Column B)
41. Common equity tier 1 capital ratio (Column A: item 19 divided by item 40.a)
RCFA Percentage RCFW Percentage
(Advanced approaches institutions that exit parallel run only: Column B: item 19
.
.
P793
divided by item 40.b) ..................................................................................... P793
42. Tier 1 capital ratio (Column A: item 26 divided by item 40.a)
(Advanced approaches institutions that exit parallel run only: Column B: item 26
.
.
7206
divided by item 40.b) ..................................................................................... 7206
43. Total capital ratio (Column A: item 35.a divided by item 40.a)
(Advanced approaches institutions that exit parallel run only: Column B: item 35.b
.
.
7205
divided by item 40.b) ..................................................................................... 7205
RCFA Percentage
Leverage Capital Ratios
.
44. Tier 1 leverage ratio (item 26 divided by item 39) ........................................................................ 7204
45. Advanced approaches institutions only: Supplementary leverage ratio
.
(from FFIEC 101 Schedule A, item 98) (effective January 1, 2015) .................................................

42.

43.

44.
45.

Percentage

Capital Buffer
46. Institution-specific capital buffer necessary to avoid limitations on distributions and discretionary
bonus payments (effective January 1, 2016):
a. Capital conservation buffer .................................................................................................
b. (Advanced approaches institutions that exit parallel run only): Total applicable capital buffer ............

.
.
Bil

Effective January 1, 2016: Institutions must complete items 47 and 48 if the amount in item 46.a (or
the lower of item 46.a or 46.b for an advanced approaches institution that has exited parallel run) is
less than or equal to the applicable minimum capital conservation buffer:
47. Eligible retained income .................................................................................................
48. Distributions and discretionary bonus payments during the quarter .........................................

41.

Mil

46.a.
46.b.
Thou

47.
48.

06/2014

FFIEC 031
Page 67 of 79
RC-52

Schedule RC-R—Continued
Part II. Risk-Weighted Assets
To be completed by all institutions.
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, Part II, 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)

Bil

0%
Mil

Thou

(Column D)
(Column E)
Allocation by Risk-Weight Category
Bil

20%
Mil Thou

Bil

50%
Mil Thou

(Column F)

Bil

100%
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.

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

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.

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

39.

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

40.

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

41.

41. Trading assets ......................................................
42. All other assets1 ....................................................

42.

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

43.

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.

03/2014

FFIEC 031
Page 68 of 79
RC-53

Schedule RC-R—Continued
Part II—Continued
(Column A)
Face Value
or Notional
Amount

Dollar Amounts in Thousands
Derivatives and Off-Balance-Sheet Items
44. Financial standby letters of credit............

Bil

Mil

Credit
Conversion
Factor

Thou

RCFD B546

RCFD 3411

(Column F)

0%

20%

50%

100%

Bil
Mil Thou
RCFD B548

Bil
Mil Thou
RCFD B581

Bil
Mil Thou
RCFD B582

Bil
Mil Thou
RCFD B583

RCFD B650

RCFD B651

RCFD B652

RCFD B653

RCFD B654

RCFD B655

RCFD B656

RCFD B657

RCFD B658

RCFD B659

RCFD B660

RCFD B661

RCFD B662

RCFD B664

RCFD B665

RCFD B666

RCFD B667

RCFD B668

RCFD B669

RCFD B670

RCFD B671

RCFD B672

RCFD B673

Allocation by Risk-Weight Category

44.
45.

.20
RCFD 3429

46.
RCFD B663

1.00
RCFD 3433

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

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 E)

.50

45. Performance standby letters of credit ......

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

(Column D)

1.00 or 12.52
RCFD 3821

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

(Column C)

(Column B)
Credit
Equivalent
Amount1
Bil
Mil Thou
RCFD B547

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

54.

1. Column A multiplied by credit conversion factor.
2. For financial standby letters of credit to which the low-level exposure rule applies, use a credit conversion factor of 12.5 or an institution-specific factor. For other financial standby letters of credit,
use a credit conversion factor of 1.00. See instructions for further information.
3. Or institution-specific factor.
03/2014

FFIEC 031
Page 69 of 79
RC-54

Schedule RC-R—Continued
Part II—Continued
(Column C)

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

0%
Mil

Thou

(Column D)

(Column E)

Allocation by Risk-Weight Category
20%
50%
Bil
Mil Thou Bil
Mil Thou

(Column F)

Bil

100%
Mil Thou

RCFD B696

RCFD B697

RCFD B698

RCFD B699

X 0%

X 20%

X 50%

X 100%

RCFD B700
0

RCFD B701

RCFD B702

RCFD B703

55.
56.
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.

03/2014

FFIEC 031
Page 70 of 79
RC-55

Schedule RC-R—Continued
Part II—Continued
Memoranda—Continued
With a remaining maturity of
(Column A)
One year or less

Dollar Amounts in Thousands
2. Notional principal amounts of derivative contracts:1
a. Interest rate contracts..................................................................
b. Foreign exchange contracts..........................................................
c. Gold contracts ...........................................................................
d. Other precious metals contracts ....................................................
e. Other commodity contracts...........................................................
f. Equity derivative contracts............................................................
g. Credit derivative contracts:
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..............................................................

RCFD

Tril

Bil

Mil

(Column B)
Over one year
through five years
Thou RCFD

Tril

Bil

Mil

(Column C)
Over five years
Thou RCFD

Tril

Bil

Mil

Thou

3809
3812
8771

8766
8769
8772

8767
8770
8773

8774
8777
A000

8775
8778
A001

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)

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

03/2014

FFIEC 031
Page 71 of 79
RC-56

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 seller-provided
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.

06/2012

FFIEC 031
Page 72 of 79
RC-57

Schedule RC-S—Continued
(Column A)
1–4 Family
Residential
Loans

Dollar Amounts in Thousands
6. Amount of ownership (or seller's)
interests carried as:
a. Securities (included in Schedule
RC-B or in Schedule RC, item 5) ...........

Bil

Mil

Thou

(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.

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

6.b.
RCFD B764

RCFD B765

RCFD B766

RCFD B767

RCFD B768

RCFD B769

7.a.
7.b.

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

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.

06/2012

FFIEC 031
Page 73 of 79
RC-58

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....

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

RCFD B795

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

Mil

Thou

RCFD B796

11.

RCFD B797

RCFD B798

RCFD B799

RCFD B800

RCFD B801

RCFD B802

RCFD B803

12.

Memoranda
Dollar Amounts in Thousands
1. Small business obligations transferred with recourse under Section 208 of the Riegle Community Development and Regulatory
Improvement Act of 1994:
a. Outstanding principal balance...............................................................................................................................................
b. Amount of retained recourse on these obligations as of the report date .........................................................................................
2. Outstanding principal balance of assets serviced for others (includes participations serviced for others):
a. Closed-end 1– 4 family residential mortgages serviced with recourse or other servicer-provided credit enhancements ............................
b. Closed-end 1– 4 family residential mortgages serviced with no recourse or other servicer-provided credit enhancements........................
c. Other financial assets (includes home equity lines)1 ..................................................................................................................
d. 1–4 family residential mortgages serviced for others that are in process of foreclosure at quarter-end
(includes closed-end and open-end loans) ..............................................................................................................................
3. Asset-backed commercial paper conduits:
a. Maximum amount of credit exposure arising from credit enhancements provided to conduit structures in the form of standby letters of
credit, subordinated securities, and other enhancements:
(1) Conduits sponsored by the bank, a bank affiliate, or the bank's holding company .......................................................................
(2) Conduits sponsored by other unrelated institutions ...............................................................................................................
b. Unused commitments to provide liquidity to conduit structures:
(1) Conduits sponsored by the bank, a bank affiliate, or the bank's holding company .......................................................................
(2) Conduits sponsored by other unrelated institutions ...............................................................................................................
4. Outstanding credit card fees and finance charges included in Schedule RC-S, item 1, column C2 ..........................................................

RCFD

Bil

Mil

Thou

A249
A250

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

B804
B805
A591

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

F699

M.2.d.

B806

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

B807
B808
B809
C407

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

1. Memorandum item 2.c is to be completed if the principal balance of other financial assets serviced for others is more than $10 million.
2. Memorandum item 4 is to be completed by 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.
06/2012

FFIEC 031
Page 74 of 79
RC-59

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
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 report
in this schedule? (If "NO," do not complete the rest of Schedule RC-T.) ....................................... B867

1.
2.
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 percent 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 retirementrelated 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

(Column B)
Non-Managed
Assets
Thou

Tril

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.

06/2012

FFIEC 031
Page 75 of 79
RC-60

Schedule RC-T—Continued
(Column A)
Managed
Assets

Dollar Amounts in Thousands
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) .............

Tril

(Column B)
Non-Managed
Assets

Bil
Mil Thou
RCFN B900

Tril

Bil
Mil Thou
RCFN B901

(Column C)
Number of
Managed
Accounts

(Column D)
Number of
Non-Managed
Accounts

RCFN B902

RCFN B903

12.

RCFD J259

RCFD J260

RCFD J261

13.
Dollar Amounts in Thousands RIAD

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

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

(Column A)
Personal Trust and
Agency and Investment
Management Agency
Accounts
RCFD

Bil

Mil

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

Thou RCFD

Bil

Mil

Bil

Mil

Thou

B904

14.

B905
B906

B910

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

4070

22.

B907
A479
J315
J316
A480
B909

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

C058
A488
B911
A491

(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

J270
J273
J276

J271
J274
J277

J278
J281

J279
J282

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.

06/2012

FFIEC 031
Page 76 of 79
RC-61

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

Dollar Amounts in Thousands
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
accounts (for each column, sum of
Memorandum items 1.a through 1.o)...........

Mil

Bil

Mil

(Column C)
All Other Accounts

J290

Thou RCFD
J291

J293
J296
J299

J294
J297
J300

J295
J298
J301

J302
J305

J303
J306

J304
J307

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

J308

J309

J310

M.1.p.

RCFD

Bil

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

Thou RCFD
J292

(Column A)
Managed Assets

Dollar Amounts in Thousands RCFD
1. q. Investments of managed fiduciary accounts in advised or
sponsored mutual funds ........................................................... J311

Bil

Mil

Bil

Mil

Thou

M.1.j.

(Column B)
Number of
Managed Accounts

Thou RCFD
J312

(Column A)
Number of
Issues

Dollar Amounts in Thousands RCFD
2. Corporate trust and agency accounts:
a. Corporate and municipal trusteeships ................................................. B927

M.1.q.

(Column B)
Principal Amount
Outstanding
Tril

Bil
Mil Thou
RCFD B928

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
Bil

Mil

Thou

RCFD

RCFD

B931

B932

B933
B935
B937

B934
B936
B938

B939
B941
B943

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.

06/2012

FFIEC 031
Page 77 of 79
RC-62

Schedule RC-T—Continued
Memoranda—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

(Column B)
Gross Losses
Non-Managed
Accounts

Thou RIAD

Mil

(Column C)
Recoveries

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)

Area Code / Phone Number / Extension (TEXT B963)

Area Code / FAX Number (TEXT B964)

06/2012

FFIEC 031
Page 78 of 79
RC-63

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
f. Loans and leases, net of unearned income ...........
e. Loans and leases held for sale ...........................
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

J981

J982

J983

J984
J987
J990
J993

J985
J988
J991
J994

J986
J989
J992
J995

Bil

Mil

Thou

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

J996

J997

J998

J999

K001

K002

K003
K006
K009
K012

K004
K007
K010
K013

K005
K008
K011
K014

K015

K016

K017

K018
K021

K019
K022

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.

06/2012

FFIEC 031
Page 79 of 79
RC-64

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-O, Memorandum items 6
through 9, 14, 15, and 18; and Schedule RC-P, items 7.a and 7.b,
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 Yes

No

Comments? .................................................................................................................................. 6979

BANK MANAGEMENT STATEMENT (please type or print clearly; 750 character limit):
(TEXT 6980)

06/2013