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pdfBoard 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 80
Federal Financial Institutions Examination Council
Consolidated Reports of Condition and Income for
a Bank with Domestic Offices Only—FFIEC 041
Report at the close of business December 31, 2014
(20141231)
(RCON 9999)
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).
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.
I, the undersigned CFO (or equivalent) of the named bank, attest
that the Reports of Condition and Income (including the supporting
Unless the context indicates otherwise, the term "bank" in this
report form refers to both banks and savings associations.
This report form is to be filed by banks with domestic offices only.
Banks with foreign offices (as defined in the instructions) must file
FFIEC 031.
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.
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.
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].
FDIC Certificate Number
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)
City (RSSD 9130)
State Abbreviation (RSSD 9200)
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.
12/2014
FFIEC 041
Page 2 of 80
Consolidated Reports of Condition and Income for a Bank
with Domestic Offices Only
Table of Contents
Signature Page ............................................................ 1
Contact Information................................................. 3, 4
Report of Income
Schedule RI—Income Statement .................... RI-1, 2, 3, 4
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-E—Explanations............................... RI-9, 10
Report of Condition
Schedule RC—Balance Sheet ............................. RC-1, 2
Schedule RC-A—Cash and Balances Due
from Depository Institutions
(to be completed only by selected banks) .............. RC-3
Schedule RC-B—Securities ....................RC-3, 4, 5, 6, 7, 8
Schedule RC-C—Loans and Lease Financing
Receivables:
Part I. Loans and Leases ..........RC-9, 10, 11, 12, 13, 14
Part II. Loans to Small Businesses and
Small Farms ............................................. RC-15, 16
Schedule RC-D—Trading Assets and Liabilities
(to be completed only by selected
banks).................................................... RC-17, 18, 19
Schedule RC-E—Deposit Liabilities ............. RC-20, 21, 22
Schedule RC-F—Other Assets................................ RC-23
Schedule RC-G—Other Liabilities............................ RC-23
Schedule RC-K—Quarterly Averages ..................... RC-24
Schedule RC-L—Derivatives and
Off-Balance-Sheet Items......................RC-25, 26, 27, 28
Schedule RC-M—Memoranda...........RC-29, 30, 31, 32, 33
Schedule RC-N—Past Due and Nonaccrual Loans,
Leases, and Other Asset ....... RC-34, 35, 36, 37, 38, 39
Schedule RC-O—Other Data for Deposit Insurance
and FICO Assessments ......... RC-40, 41, 42, 43, 44, 45
Schedule RC-P—1– 4 Family Residential
Mortgage Banking Activities (to be completed
only by selected banks)...................................... RC-46
Schedule RC-Q—Assets and Liabilities Measured
at Fair Value on a Recurring Basis (to be
completed only by selected banks) .................RC-47, 48
Schedule RC-R—Regulatory Capital:
Part I.A. Components and Ratios.....................RC-49, 50
Part I.B. Regulatory Capital Components
and Ratios..............................................RC-51, 52, 53
Part II. Risk Weighted Assets...............RC-54, 55, 56, 57
Schedule RC-S—Servicing, Securitization,
and Asset Sale Activities ......................... RC-58, 59, 60
Schedule RC-T—Fiduciary and Related
Services........................................... RC-61, 62, 63, 64
Schedule RC-V—Variable Interest Entities .............. RC-65
Optional Narrative Statement Concerning
the Amounts Reported in the Reports
of Condition and Income .................................... RC-66
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.
03/2014
FFIEC 041
Page 3 of 80
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)
06/2012
FFIEC 041
Page 4 of 80
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)
06/2012
FFIEC 041
Page 5 of 80
RI-1
Consolidated Report of Income
for the period January 1, 2014–December 31, 2014
Schedule RI—Income Statement
Dollar Amounts in Thousands RIAD
1. Interest income:
a. Interest and fee income on loans:
(1) Loans secured by real estate:
(a) Loans secured by 1– 4 family residential properties ..............................................
(b) All other loans secured by real estate ................................................................
(2) Commercial and industrial loans ...........................................................................
(3) 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) ...................................................................................
(4) Loans to foreign governments and official institutions ................................................
(5) All other loans1 ..................................................................................................
(6) Total interest and fee income on loans (sum of items 1.a.(1)(a) through 1.a.(5)) .............
b. Income from lease financing receivables.....................................................................
c. Interest income on balances due from depository institutions2 .........................................
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.(6) through 1.g) .................................................
2. Interest expense:
a. Interest on deposits:
(1) Transaction accounts (interest-bearing demand deposits, NOW accounts, ATS accounts,
and telephone and preauthorized transfer accounts).................................................
(2) Nontransaction accounts:
(a) Savings deposits (includes MMDAs)..................................................................
(b) Time deposits of $100,000 or more ...................................................................
(c) Time deposits of less than $100,000..................................................................
b. Expense of federal funds purchased and securities sold under agreements to repurchase ....
c. Interest on trading liabilities and other borrowed money .................................................
4435
Bil
Mil
Thou
4436
4012
1.a.(1)(a)
1.a.(1)(b)
1.a.(2)
B485
1.a.(3)(a)
B486
4065
4115
1.a.(3)(b)
1.a.(4)
1.a.(5)
1.a.(6)
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)
0093
2.a.(2)(a)
2.a.(2)(b)
2.a.(2)(c)
2.b.
2.c.
4056
4058
4010
A517
A518
4180
4185
1. Includes interest and fee income on "Loans to depository institutions and acceptances of other banks, "Loans to finance agricultural production and
other loans to farmers," "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. Includes interest income on time certificates of deposit not held for trading.
12/2014
FFIEC 041
Page 6 of 80
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.
06/2012
FFIEC 041
Page 7 of 80
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
(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) .......................................................................................
Memorandum item 6 is to be completed by:
8431
M.2.
4313
M.3.
4507
M.4.
Number
4150
M.5.
1
•
•
banks with $300 million or more in total assets, and
banks with less than $300 million in total assets that have loans to finance agricultural product
and other loans to farmers (Schedule RC-C, Part I, item 3) exceeding 5 percent of total loans
6. Interest and fee income on loans to finance agricultural production and other loans to farmers
(included in Schedule RI, item 1.a.(5)) ................................................................................ 4024
RIAD YYYY MM
7. If the reporting bank has restated its balance sheet as a result of applying push down
2
accounting this calendar year, report the date of the bank's acquisition .................................... 9106
8. Trading revenue (from cash instruments and derivative instruments) (sum of Memorandum
items 8.a through 8.e must equal Schedule RI, item 5.c):
Memorandum items 8.a through 8.e are to be completed by banks that reported average
trading assets (Schedule RC-K, item 7) of $2 million or more for any quarter of the
preceding calendar year.
a.
b.
c.
d.
e.
Interest rate exposures................................................................................................
Foreign exchange exposures........................................................................................
Equity security and index exposures ..............................................................................
Commodity and other exposures ...................................................................................
Credit exposures........................................................................................................
RIAD
8757
8758
8759
Bil
Mil
M.6.
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
C890
M.9.a.
M.9.b.
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. To be completed by banks with $300 million or more in total assets:1
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?...................................................................................................
A251
RIAD Yes
A530
M.10.
No
M.11.
1. The asset size tests and the 5 percent of total loans test are generally based on the total assets and total loans reported in the June 30, 2013,
Report of Condition.
2. For example, a bank acquired on March 1, 2014, would report 20140301.
03/2014
FFIEC 041
Page 8 of 80
RI-4
Schedule RI—Continued
Memoranda—Continued
Year-to-date
Dollar Amounts in Thousands
RIAD Bil
Mil Thou
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.
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)) ........................................... F228
M.12.
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) ................................................
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.
06/2012
FFIEC 041
Page 9 of 80
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
2.
3.
4.
B508
4340
B509
B510
4356
4470
4460
B511
5.
6.
7.
8.
9.
10.
4415
11.
3210
12.
*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, 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
(Column B)
Recoveries
Calendar Year-to-date
Dollar Amounts in Thousands RIAD
1. Loans secured by real estate:
a. Construction, land development, and other land loans:
(1) 1–4 family residential construction loans ...............................
(2) Other construction loans and all land development and other
land loans .......................................................................
b. Secured by farmland .............................................................
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 ........
3. Not applicable
4. Commercial and industrial loans ..................................................
Bil
Mil
Thou RIAD
Bil
Mil
Thou
C891
C892
1.a.(1)
C893
C894
3584
3585
1.a.(2)
1.b.
5411
5412
1.c.(1)
C234
C235
3588
C217
C218
3589
1.c.(2)(a)
1.c.(2)(b)
1.d.
C895
C897
C896
C898
4481
4482
1.e.(1)
1.e.(2)
2.
4638
4608
4.
1. Include write-downs arising from transfers of loans to a held-for-sale account.
03/2014
FFIEC 041
Page 10 of 80
RI-6
Schedule RI-B—Continued
Part I—Continued
(Column A)
Charge-offs1
Dollar Amounts in Thousands
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 loans2 ..............................................................................
8. Lease financing receivables .............................................................
9. Total (sum of items 1 through 8) ........................................................
RIAD
Bil
(Column B)
Recoveries
Calendar Year-to-date
Mil Thou RIAD Bil
B514
B515
K129
K133
K205
K206
4643
4266
4627
4628
4267
4635
4605
4644
Mil
Thou
5.a.
5.b.
5.c.
6.
7.
8.
9.
1. Include write-downs arising from transfers of loans to a held-for-sale account.
2. Includes charge-offs and recoveries on "Loans to finance agricultural production and other loans to farmers," "Obligations (other than securities
and leases) of states and political subdivisions in the U.S.," and "Loans to nondepository financial institutions and other loans."
(Column A)
Charge-offs1
Memoranda
Dollar Amounts in Thousands
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 ........................................
2. Memorandum items 2.a. through 2.d. are to be completed by banks with
$300 million or more in total assets: 2
a. Loans secured by real estate to non-U.S. addressees (domicile)
(included in Schedule RI-B, Part I, item 1, above) ..............................
b. Loans to and acceptances of foreign banks
(included in Schedule RI-B, Part I, item 2, above) ..............................
c. Commercial and industrial loans to non-U.S. addressees (domicile)
(included in Schedule RI-B, Part I, item 4 above) ...............................
d. Leases to individuals for household, family, and other personal
expenditures (included in Schedule RI-B, Part I, item 8, above) ............
3. Memorandum item 3 are to be completed by:2
• banks with $300 million or more in total assets, and
• banks with less than $300 million in total assets that have loans to
finance agricultural production and other loans to farmers
(Schedule RC-C, Part I, item 3) exceeding 5 percent of total loans:
RIAD
Bil
(Column B)
Recoveries
Calendar Year-to-date
Mil Thou RIAD Bil
Mil
Thou
5409
5410
M.1.
4652
4662
M.2.a.
4654
4664
M.2.b.
4646
4618
M.2.c.
F185
F187
M.2.d.
Loans to finance agricultural production and other loans to farmers
(included in Schedule RI-B, Part I, item 7, above) ................................. 4655
4665
M.3.
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.
Calendar Year-to-date
Bil
Mil Thou
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
M.4.
1. Include write-downs arising from transfers of loans to a held-for-sale account.
2. The $300 million asset size test and the 5 percent of total loans test are generally based on the total assets and total loans reported on the
June 30, 2013, Report of Condition.
03/2014
FFIEC 041
Page 11 of 80
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
5523
4230
C233
1.
2.
3.
4.
5.
6.
3123
7.
4605
C079
*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 041
Page 12 of 80
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
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 .........
RCON
Bil
Mil
(Column B)
Allowance Balance:
Individually Evaluated
for Impairment and
Determined to be Impaired
(ASC 310-10-35)
Thou RCON
Bil
Mil
(Column C)
Recorded Investment:
Collectively Evaluated
for Impairment
(ASC 450-20)
Thou RCON
Bil
Mil
(Column D)
Allowance Balance:
Collectively Evaluated
for Impairment
(ASC 450-20)
Thou RCON
Bil
Mil
(Column E)
Recorded Investment:
Purchased
Credit-Impaired Loans
(ASC 310-30)
Thou RCON
Bil
Mil
(Column F)
Allowance Balance:
Purchased
Credit-Impaired Loans
(ASC 310-30)
Thou RCON
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 041
Page 13 of 80
RI-9
Schedule RI-E—Explanations
Schedule RI-E is to be completed each quarter on a calendar year-to-date basis.
Detail all adjustments in Schedule RI-A and RI-B, all extraordinary items and other adjustments in Schedule RI, and all
significant items of other noninterest income and other noninterest expense in Schedule RI. (See instructions for details.)
Year-to-date
Dollar Amounts in Thousands 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
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 041
Page 14 of 80
RI-10
Schedule RI-E—Continued
Year-to-date
Dollar Amounts in Thousands
4. Cumulative effect of changes in accounting principles and corrections of material accounting errors
(from Schedule RI-A, item 2) (itemize and describe all such effects):
TEXT
a.
B526
TEXT
b.
B527
5. Other transactions with stockholders (including a 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):
Comments? .....................................................................................................................
RIAD
Bil
Mil
Thou
B526
B527
4.a.
4.b.
4498
4499
5.a.
5.b.
4521
6.a.
6.b.
4522
RIAD Yes
4769
No
7.
Other explanations (please type or print clearly; 750 character limit):
(TEXT 4769)
03/2014
FFIEC 041
Page 15 of 80
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 ............................................................................................
b. Securities purchased under agreements to resell3 ....................................................
4. Loans and lease financing receivables (from Schedule RC-C):
a. Loans and leases held for sale ............................................................................
b. Loans and leases, net of unearned income .................... 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) .................
(1) Noninterest-bearing4 ............................................. 6631
(2) Interest-bearing.................................................... 6636
b. Not applicable
14. Federal funds purchased and securities sold under agreements to repurchase:
a. Federal funds purchased5 ...................................................................................
b. Securities sold under agreements to repurchase6 ....................................................
15. Trading liabilities (from Schedule RC-D)....................................................................
16. Other borrowed money (includes mortgage indebtedness and obligations under
capitalized leases) (from Schedule RC-M) .................................................................
17. and 18. Not applicable
19. Subordinated notes and debentures7 ........................................................................
20. Other liabilities (from Schedule RC-G) ......................................................................
21. Total liabilities (sum of items 13 through 20) ..............................................................
22. Not applicable
RCON
0081
0071
1754
1773
B987
B989
5369
B529
3545
2145
2150
2130
3656
3163
0426
2160
2170
Tril
Bil
Mil
Thou
1.a.
1.b.
2.a.
2.b.
3.a.
3.b.
4.a.
4.b.
4.c.
4.d.
5.
6.
7.
8.
9.
10.a.
10.b.
11.
12.
2200
13.a.
13.a.(1)
13.a.(2)
B993
B995
3548
14.a.
14.b.
15.
3190
16.
3200
19.
20.
21.
2930
2948
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, 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, regardless of maturity.
7. Includes limited-life preferred stock and related surplus.
12/2014
FFIEC 041
Page 16 of 80
RC-2
Schedule RC—Continued
Dollar Amounts in Thousands
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 income1 .............................................................
c. Other equity capital components2 ...........................................................................
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) .............................................
RCON
Tril
Bil
Mil
Thou
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
RCON
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, but is not limited to, net unrealized holding gains (losses) on available-for-sale securities, accumulated net gains (losses) on cash flow
hedges, and accumulated defined benefit pension and other postretirement plan adjustments.
2. Includes treasury stock and unearned Employee Stock Ownership Plan shares.
03/2014
FFIEC 041
Page 17 of 80
RC-3
Schedule RC-A—Cash and Balances Due from Depository Institutions
Schedule RC-A is to be completed only by banks with $300 million or more in total assets.1
Exclude assets held for trading.
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 ......................................................................
b. Other commercial banks in the U.S. and other depository institutions in the U.S..........................
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) (must equal Schedule RC, sum of items 1.a and 1.b) ....................
Bil
RCON
Mil
Thou
0020
0080
1.a.
1.b.
0083
0085
2.a.
2.b.
0073
0074
3.a.
3.b.
4.
5.
0090
0010
1. The $300 million asset size test is generally based on the total assets reported on the June 30, 2013, Report of Condition.
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............................
RCON
Bil
Mil
Available-for-sale
(Column B)
Fair Value
Thou RCON
Bil
Mil
(Column C)
Amortized Cost
Thou RCON
Bil
Mil
(Column D)
Fair Value
Thou RCON
Bil
Mil
Thou
0211
0213
1286
1287
1.
1289
1290
1291
1293
2.a.
1294
1295
1297
1298
2.b.
8496
8497
8498
8499
3.
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.
03/2014
FFIEC 041
Page 18 of 80
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
pass-through
securities ......
RCON
Bil
Mil
Available-for-sale
(Column B)
Fair Value
Thou RCON
Bil
Mil
(Column C)
Amortized Cost
Thou RCON
Bil
Mil
(Column D)
Fair Value
Thou RCON
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 041
Page 19 of 80
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) ............
RCON
Bil
Mil
Available-for-sale
(Column B)
Fair Value
Thou RCON
Bil
Mil
(Column C)
Amortized Cost
Thou RCON
Bil
Mil
(Column D)
Fair Value
Thou RCON
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
G337
G341
G338
G342
G339
G343
G344
G345
G346
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
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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– 4 family residential mortgages
with a remaining maturity or next repricing date of:3, 4
(1) Three months or less ..........................................................................................
(2) Over three months through 12 months ...................................................................
(3) Over one year through three years ........................................................................
(4) Over three years through five years .......................................................................
(5) Over five years through 15 years ...........................................................................
(6) Over 15 years ...................................................................................................
b. Mortgage pass-through securities backed by closed-end first lien 1– 4 family residential
mortgages with a remaining maturity or next repricing date of:3, 5
(1) Three months or less ..........................................................................................
(2) Over three months through 12 months ...................................................................
(3) Over one year through three years ........................................................................
(4) Over three years through five years .......................................................................
(5) Over five years through 15 years ...........................................................................
(6) Over 15 years ...................................................................................................
c. Other mortgage-backed securities (include CMOs, REMICs, and stripped MBS; exclude
mortgage pass-through securities) with an expected average life of:6
(1) Three years or less ............................................................................................
(2) Over three years.................................................................................................
d. Debt securities with a REMAINING MATURITY of one year or less
(included in Memorandum items 2.a through 2.c above)...................................................
3. Amortized cost of held-to-maturity securities sold or transferred to available-for-sale or trading
securities during the calendar year-to-date (report the amortized cost at date of sale or transfer) ..
4. Structured notes (included in the held-to-maturity and available-for-sale accounts in Schedule
RC-B, items 2, 3, 5, and 6):
a. Amortized cost ......................................................................................................
b. Fair value ..............................................................................................................
1
RCON
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.
06/2012
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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 ........................
RCON
Bil
Mil
Available-for-sale
(Column B)
Fair Value
Thou RCON
Bil
Mil
(Column C)
Amortized Cost
Thou RCON
Bil
Mil
(Column D)
Fair Value
Thou RCON
Bil
Mil
Thou
B838
B839
B840
B841
B842
B846
B843
B847
B844
B848
B845
B849
B850
B851
B852
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.
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
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Page 22 of 80
RC-8
Schedule RC-B—Continued
Memoranda—Continued
Held-to-maturity
(Column A)
Amortized Cost
Dollar Amounts in Thousands
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.
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...........
RCON
Bil
Mil
Available-for-sale
(Column B)
Fair Value
Thou RCON
Bil
Mil
(Column C)
Amortized Cost
Thou RCON
Bil
Mil
(Column D)
Fair Value
Thou RCON
Bil
Mil
Thou
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.
06/2012
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RC-9
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)
To Be Completed
by Banks with
$300 Million or More
in Total Assets1
Dollar Amounts in Thousands
1. Loans secured by real estate:
a. Construction, land development, and other land loans:
(1) 1–4 family residential construction loans ................................
(2) Other construction loans and all land development and other
land loans ........................................................................
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. ..............................................................
RCON
Bil
Mil
(Column B)
To Be Completed
by All Banks
Thou RCON
Bil
Mil
Thou
F158
1.a.(1)
F159
1.a.(2)
1420
1.b.
1797
1.c.(1)
5367
1.c.(2)(a)
1.c.(2)(b)
1.d.
5368
1460
F160
F161
1288
B532
1.e.(1)
1.e.(2)
2.
2.a.(1)
2.a.(2)
2.b.
B533
B534
B536
B537
1590
1766
2.c.(1)
2.c.(2)
3.
4.
4.a.
4.b.
B538
B539
K137
6.a.
6.b.
6.c.
K207
6.d.
2081
7.
2107
8.
1763
1764
1. The $300 million asset size test is generally based on the total assets reported on the June 30, 2013, Report of Condition.
03/2014
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Page 24 of 80
RC-10
Schedule RC-C—Continued
Part I—Continued
(Column A)
To Be Completed
by Banks with
$300 Million or More
in Total Assets1
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 income (sum of items 1 through
10 minus item 11) (must equal Schedule RC, sum of items 4.a and 4.b) ...
RCON
Bil
Mil
(Column B)
To Be Completed
by All Banks
Thou RCON
Bil
Mil
Thou
J454
J464
9.a.
9.b.
1545
J451
2165
9.b.(1)
9.b.(2)
10.
2123
10.a.
10.b.
11.
2122
12.
F162
F163
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:
(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.........................................................
c. Secured by multifamily (5 or more) residential properties ..................................................
d. Secured by nonfarm nonresidential properties:
(1) Loans secured by owner-occupied nonfarm nonresidential properties ............................
(2) Loans secured by other nonfarm nonresidential properties ...........................................
e. Commercial and industrial loans .................................................................................
RCON
Bil
K158
K159
F576
K160
K161
K162
K256
Mil
Thou
M.1.a.(1)
M.1.a.(2)
M.1.b.
M.1.c.
M.1.d.(1)
M.1.d.(2)
M.1.e.
Memorandum items 1.e.(1) and (2) are to be completed by banks with $300 million or more
in total assets1 (sum of Memorandum items 1.e(1) and (2) must equal Memorandum
item 1.e):
(1) To U.S. addressees (domicile) .............................................. K163
(2) To non-U.S. addressees (domicile) ........................................ K164
f. All other loans (include loans to individuals for household, family, and other personal
expenditures) ......................................................................................................... K165
M.1.e.(1)
M.1.e.(2)
M.1. f.
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.e plus 1.f):
(1) Loans secured by farmland ................................................................................... K166
(2) Loans to depository institutions and acceptances of other banks .................................. K167
(3) Not applicable
M.1. f.(1)
M.1. f.(2)
1. The $300 million asset size test is generally based on the total assets reported on the June 30, 2013, Report of Condition.
03/2014
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Page 25 of 80
RC-11
Schedule RC-C—Continued
Part I—Continued
Memoranda—Continued
Dollar Amounts in Thousands
1. f. (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 loans1 ...................................................................................................
RCON
Bil
Mil
Thou
K098
K203
M.1. f.(4)(a)
M.1. f.(4)(b)
K204
K212
K267
M.1. f.(4)(c)
M.1. f.(5)
M.1. f.(6)
K168
M.1. f.(6)(a)
A564
A565
M.2.a.(1)
M.2.a.(2)
M.2.a.(3)
M.2.a.(4)
M.2.a.(5)
M.2.a.(6)
Memorandum item 1.f.(6)(a) is to be completed by:2
• Banks with $300 million or more in total assets
• Banks with less than $300 million in total assets that have loans to finance
agricultural production and other loans to farmers (Schedule RC-C, Part I, item 3)
exceeding 5 percent of total loans
(a) Loans to finance agricultural production and other loans to farmers included in
Schedule RC-C, Part I, Memorandum item 1.f.(6), above ....................................
2. Maturity and repricing data for loans and leases (excluding those in nonaccrual status):
a. Closed-end loans secured by first liens on 1– 4 family residential properties (reported in
Schedule RC-C, Part I, item 1.c.(2)(a), column B) 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. All loans and leases (reported in Schedule RC-C, Part I, items 1 through 10, column B
above) EXCLUDING closed-end loans secured by first liens on 1–4 family residential
properties (reported in Schedule RC-C, Part I, item 1.c.(2)(a), column B, above) with a
remaining maturity or next repricing date of: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. Loans and leases (reported in Schedule RC-C, Part I, items 1 through 10, column B, above)
with a REMAINING MATURITY of one year or less (excluding those in nonaccrual status) ....
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 B6 .....
4. Adjustable-rate closed-end loans secured by first liens on 1– 4 family residential properties
(included in Schedule RC-C, Part I, item 1.c.(2)(a), column B) .........................................
A566
A567
A568
A569
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.
5370
M.4.
A571
A572
A573
1. Includes “Loans to finance agricultural production and other loans to farmers,” “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. The $300 million asset size test and the 5 percent of total loans test are generally based on the total assets and total loans reported on the
June 30, 2013, Report of Condition.
3. Report fixed-rate loans and leases by remaining maturity and floating rate loans by next repricing date.
4. 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
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.
5. 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 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 B, minus 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.
6. Exclude loans secured by real estate that are included in Schedule RC-C, Part I, items 1.a through 1.e, column B.
03/2014
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RC-12
Schedule RC-C—Continued
Part I—Continued
Memoranda—Continued
Dollar Amounts in Thousands RCON
5. To be completed by banks with $300 million or more in total assets:1
Loans secured by real estate to non-U.S. addressees (domicile)
(included in Schedule RC-C, Part I, items 1.a through 1.e, column B)............................. B837
Bil
Mil
Thou
M.5.
Memorandum item 6 is to be completed by banks that (1) together with affiliated institutions,
have outstanding credit card receivables (as defined in the instructions) that exceed $500
million as of the report date or (2) are credit card specialty banks as defined for Uniform
Bank Performance Report purposes.
6. Outstanding credit card fees and finance charges included in Schedule RC-C, Part I,
item 6.a ........................................................................................................... C391
M.6.
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
8. Closed-end loans with negative amortization features secured by 1–4 family residential
properties:
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
M.7.a.
M.7.b.
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
(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 process of foreclosure
(included in Schedule RC-C, Part I, items 1.c.(1), 1.c.(2)(a), and 1.c.(2)(b)) ........................ F577
M.8.b.
M.8.c.
M.9.
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 .........................................................................
F578
F579
M.10.a.(1)
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
1. The $300 million asset size test is generally based on the total assets reported on the June 30, 2013, Report of Condition.
03/2014
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RC-13
Schedule RC-C—Continued
Part I—Continued
Memoranda—Continued
Dollar Amounts in Thousands
10. 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 ...................................................................................................
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 ..............
RCON
Bil
Mil
(Column B)
Gross Contractual
Amounts Receivable
at Acquisition Date
Thou RCON
Bil
Mil
RCON
Bil
Mil
Thou
F586
F587
K196
K208
F589
M.10.c.(1)
M.10.c.(2)
M.10.c.(3)
M.10.c.(4)
M.10.d.
F590
F591
M.11.a.(1)
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.
F596
F597
F598
F599
M.11.c.(1)
M.11.c.(2)
M.11.c.(3)
M.11.c.(4)
M.11.d.
K195
K209
F601
(Column C)
Best Estimate at
Acquisition Date of
Contractual Cash Flows
Not Expected to be
Collected
Thou RCON
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
06/2012
FFIEC 041
Page 28 of 80
RC-14
Schedule RC-C—Continued
Part I—Continued
Memoranda—Continued
Dollar Amounts in Thousands
RCON
Bil
Mil
Thou
Memoranda item 13 is to be completed by banks that had construction, land development, and
other land loans (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.
13. Construction, land development, and other land loans 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
G377
(included in Schedule RI, item 1.a.(1)(b)) .....................................................................
Memorandum item 14 is to be completed by all banks.
M.13.a.
M.13.b.
RCON
14. Pledged loans and leases ........................................................................................... G378
M.14.
Memorandum item 15 is to be completed for the December report only.
15. Reverse mortgages:
a. Reverse mortgages outstanding that are held for investment
(included in Schedule RC-C, item 1.c, above):
(1) Home Equity Conversion Mortgage (HECM) reverse mortgages ...................................
(2) Proprietary reverse mortgages ..............................................................................
b. Estimated number of reverse mortgage loan referrals to other lenders during the year
from whom compensation has been received for services performed in connection with
the origination of the reverse mortgages:
(1) Home Equity Conversion Mortgage (HECM) reverse mortgages ...................................
(2) Proprietary reverse mortgages .............................................................................
c. Principal amount of reverse mortgage originations that have been sold during the year:
(1) Home Equity Conversion Mortgage (HECM) reverse mortgages ...................................
(2) Proprietary reverse mortgages .............................................................................
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 041
Page 29 of 80
RC-15
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" reported in Schedule RC-C, Part I,
items 1.e.(1) and 1.e.(2), and all or substantially all of the dollar volume of your bank's "Commercial
and industrial loans" reported in Schedule RC-C, Part I, item 4,1 have original amounts of $100,000 or
RCON Yes
less (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, Part
RCON
I, loan categories:
a. "Loans secured by nonfarm nonresidential properties" reported in Schedule RC-C, Part I, items
1.e.(1) and 1.e.(2) (Note: Sum of items 1.e.(1) and 1.e.(2) divided by the number of loans should
NOT exceed $100,000.) .................................................................................................. 5562
b. "Commercial and industrial loans" reported in Schedule RC-C, Part I, item 41
(Note: Item 4,1 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" reported in Schedule RC-C, Part I, items 1.e.(1) and
1.e.(2) (sum of items 3.a through 3.c must be less than or equal to Schedule
RC-C, Part I, sum of items 1.e.(1) and 1.e.(2)):
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"
reported in Schedule RC-C, Part I, item 41
(sum of items 4.a through 4.c must be less than or equal to Schedule RC-C,
Part I, item 41):
a. With original amounts of $100,000 or less .............................................
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.
1. Banks with $300 million or more in total assets should provide the requested information for "Commercial and industrial loans" based on the loans
reported in Schedule RC-C, Part I, item 4.a, column A, "Commercial and industrial loans to U.S. addressees."
06/2012
FFIEC 041
Page 30 of 80
RC-16
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)" reported in
Schedule RC-C, Part I, item 1.b, and all or substantially all of the dollar volume of your bank's "Loans to
finance agricultural production and other loans to farmers" in reported in Schedule RC-C, Part I, item 3,
have original amounts of $100,000 or less (If your bank has no loans outstanding in both of these two RCON Yes
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 RC-C, Part
RCON
I, loan categories:
a. "Loans secured by farmland (including farm residential and other improvements)" reported in
Schedule RC-C, Part I, item 1.b (Note: Item 1.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 reported in Schedule RC-C,
Part I, item 3 (Note: Item 3 divided by the number of loans should NOT exceed $100,000.) ............. 5577
6.b.
(Column B)
Amount
Currently
Outstanding
(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)" reported in Schedule
RC-C, Part I, item 1.b (sum of items 7.a through 7.c must be less than or
equal to Schedule RC-C, Part I, item 1.b):
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" reported in Schedule RC-C, Part I,
item 3 (sum of items 8.a through 8.c must be less than or equal to Schedule
RC-C, Part I, item 3):
a. 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.
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 041
Page 31 of 80
RC-17
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.
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. and 8. Not applicable
9. Other trading assets ..............................................................................................
10. Not applicable
11. Derivatives with a positive fair value .........................................................................
12. Total trading assets (sum of items 1 through 11) (must equal Schedule RC, item 5) ...........
Liabilities
13. a. Liability for short positions ...................................................................................
b. Other trading liabilities ........................................................................................
14. Derivatives with a negative fair value ........................................................................
15. Total trading liabilities (sum of items 13.a through 14) (must equal Schedule RC, item 15) ......
RCON
Bil
Mil
Thou
3531
3532
3533
1.
2.
3.
G379
4.a.
G380
G381
4.b.
4.c.
K197
K198
4.d.
4.e.
G383
G384
G385
G386
5.a.(1)
5.a.(2)
5.a.(3)
5.b.
F604
F605
6.a.(1)
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.
F612
F613
F614
F615
F616
K199
K210
F618
6.c.(1)
6.c.(2)
6.c.(3)
6.c.(4)
6.d.
3541
9.
3543
3545
11.
12.
3546
F624
13.a.
13.b.
14.
15.
3547
3548
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 041
Page 32 of 80
RC-18
Schedule RC-D—Continued
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 ..................................................................................
3. Structured financial products by underlying collateral or reference assets (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 ................................................................................................
RCON
F625
Bil
Mil
Thou
F626
M.1.a.(1)
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.
F631
F632
F633
F634
K200
K211
F636
F639
F640
G299
G332
G333
G334
G335
G651
G652
G387
G388
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.
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.
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 .................................................................................
F643
F644
F645
F646
F647
F648
F651
F652
F653
F654
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.
06/2012
FFIEC 041
Page 33 of 80
RC-19
Memoranda—Continued
Dollar Amounts in Thousands
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
RCON
F655
F656
Bil
Mil
Thou
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 041
Page 34 of 80
RC-20
Schedule RC-E—Deposit Liabilities
Nontransaction
Accounts
Transaction Accounts
(Column A)
Total Transaction
Accounts (Including
Total Demand
Deposits)
Dollar Amounts in Thousands
Deposits of:
1. Individuals, partnerships, and corporations ......
2. U.S. Government ......................................
3. States and political subdivisions in the U.S. ....
4. Commercial banks and other depository
institutions in the U.S. .................................
5. Banks in foreign countries ...........................
6. Foreign governments and official institutions
(including foreign central banks) ...................
7. Total (sum of items 1 through 6) (sum of
columns A and C must equal Schedule RC,
item 13.a) ................................................
RCON
Bil
Mil
(Column B)
Memo: Total
Demand Deposits1
(Included in
Column A)
Thou RCON
Bil
Mil
(Column C)
Total
Nontransaction
Accounts
(Including MMDAs)
Thou RCON
Bil
Mil
Thou
B549
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 041
Page 35 of 80
RC-21
Schedule RC-E—Continued
Memoranda—Continued
Dollar Amounts in Thousands
RCON
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 .............................................
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.
5. Does your institution offer one or more consumer deposit account products, i.e.,
RCON Yes
transaction account or nontransaction savings account deposit products intended
primarily for individuals for personal, household, or family use? ..................................... P752
No
M.5.
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
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
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RC-22
Schedule RC-E—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)
P757
M.7.a.(2)
P758
M.7.b.(1)
P759
M.7.b.(2)
03/2014
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RC-23
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
RCON
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
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.
Schedule RC-G—Other Liabilities
Dollar Amounts in Thousands
1. a. Interest accrued and unpaid on deposits1 ...........................................................................
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) ...........................................
RCON
Bil
Mil
Thou
3645
3646
3049
B557
1.a.
1.b.
2.
3.
2938
4.
4.a.
4.b.
4.c.
4.d.
4.e.
4. f.
4.g.
5.
2930
1. For savings banks, include "dividends" accrued and unpaid on deposits.
2. See discussion of deferred income taxes in Glossary entry on "income taxes."
06/2014
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Page 38 of 80
RC-24
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. Total loans ..............................................................................................................
b. Loans secured by real estate:
(1) Loans secured by 1– 4 family residential properties .....................................................
(2) All other loans secured by real estate .......................................................................
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) .....................................................................................
7. To be completed by banks with $100 million or more in total assets:4
Trading assets .............................................................................................................
8. Lease financing receivables (net of unearned income) .........................................................
9. Total assets5 ...............................................................................................................
Liabilities
10. Interest-bearing transaction accounts (interest-bearing demand deposits, NOW accounts,
ATS accounts, and telephone and preauthorized transfer accounts)........................................
11. Nontransaction accounts:
a. Savings deposits (includes MMDAs) .............................................................................
b. Time deposits of $100,000 or more...............................................................................
c. Time deposits of less than $100,000 .............................................................................
12. Federal funds purchased and securities sold under agreements to repurchase .........................
13. To be completed by banks with $100 million or more in total assets:4
Other borrowed money
(includes mortgage indebtedness and obligations under capitalized leases) .............................
RCON
Bil
Mil
Thou
3381
1.
B558
2.
3.
B559
B560
3365
4.
5.
3360
6.a.
3465
3466
3387
6.b.(1)
6.b.(2)
6.c.
B561
6.d.(1)
B562
6.d.(2)
3401
3484
3368
7.
8.
9.
3485
10.
B563
A514
A529
3353
11.a
11.b.
11.c.
12.
3355
13.
Memorandum
Dollar Amounts in Thousands
Memorandum item 1 is to be completed by:4
• banks with $300 million or more in total assets, and
• banks with less than $300 million in total assets that have loans to finance agricultural
production and other loans to farmers (Schedule RC-C, Part 1, item 3) exceeding 5 percent
of total loans.
RCON
Bil
Mil
Thou
1. Loans to finance agricultural production and other loans to farmers ........................................ 3386
M.1.
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 asset-size tests and the 5 percent of total loans test are generally based on the total assets and total loans reported on the
June 30, 2013, Report of Condition.
5. 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.
03/2014
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Page 39 of 80
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 RCON
1. Unused commitments:
a. Revolving, open-end lines secured by 1– 4 family residential properties, e.g., home equity
lines ..................................................................................................................... 3814
Bil
Mil
Thou
1.a.
Items 1.a.(1) and 1.a.(2) are to be completed for the December report only.
(1) Unused commitments for Home Equity Conversion Mortgage (HECM) reverse mortgages
outstanding that are held for investment (included in item 1.a. above)................................. J477
(2) Unused commitments for proprietary reverse mortgages outstanding that are held for
investment (included in item 1.a. above) ................................................................. J478
b. Credit card lines...................................................................................................... 3815
1.a.(1)
1.a.(2)
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 .....................
RCON
Bil
Mil
3.a.
4.
6.
(Column B)
Purchased Protection
Thou RCON
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
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Page 40 of 80
RC-26
Schedule RC-L—Continued
Dollar Amounts in Thousands
7. c. Notional amounts by regulatory capital treatment:
(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 ....................................................................................................
RCON
Bil
Mil
Thou
1
G401
G402
7.c.(1)(a)
7.c.(1)(b)
G403
G404
7.c.(2)(a)
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....................
RCON
Bil
Mil
(Column C)
Over Five Years
(Column B)
Over One Year
Through Five Years
Thou RCON
Bil
Mil
Thou RCON
G406
G407
G408
G409
G410
G411
G412
G413
G414
G415
G416
G417
RCON
Bil
Mil
Thou
7.d.(1)(a)
7.d.(1)(b)
7.d.(2)(a)
7.d.(2)(b)
Bil
Mil
Thou
8. Spot foreign exchange contracts ................................................................................. 8765
9. All other off-balance-sheet liabilities (exclude derivatives) (itemize and describe each
component of this item over 25 percent of Schedule RC, item 27.a, "Total bank equity capital") ...... 3430
a. Securities borrowed............................................................... 3432
b. Commitments to purchase when-issued securities ....................... 3434
c. Standby letters of credit issued by 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
RCON 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
8.
9.
9.a.
9.b.
9.c.
9.d.
9.e.
9. f.
10.
10.a.
10.b.
10.c.
10.d.
10.e.
Bil
Mil
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
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Page 41 of 80
RC-27
Schedule RC-L—Continued
(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
(Column B)
Foreign Exchange
Contracts
Thou
Tril
Bil
Mil
Thou
(Column C)
Equity Derivative
Contracts
Tril
Bil
Mil
Thou
(Column D)
Commodity and Other
Contracts
Tril
Bil
Mil
RCON 8693
RCON 8694
RCON 8695
RCON 8696
RCON 8697
RCON 8698
RCON 8699
RCON 8700
12.a.
12.b.
RCON 8701
RCON 8702
RCON 8703
RCON 8704
RCON 8705
RCON 8706
RCON 8707
RCON 8708
12.c.(1)
12.c.(2)
RCON 8709
RCON 8710
RCON 8711
RCON 8712
RCON 8713
RCON 8714
RCON 8715
RCON 8716
RCON 3450
RCON 3826
RCON 8719
RCON 8720
12.d.(1)
12.d.(2)
(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.e.
RCON A126
RCON A127
RCON 8723
RCON 8724
13.
RCON 8725
RCON 8726
RCON 8727
RCON 8728
14.
RCON A589
14.a.
RCON 8733
RCON 8734
RCON 8735
RCON 8736
RCON 8737
RCON 8738
RCON 8739
RCON 8740
15.a.(1)
15.a.(2)
RCON 8741
RCON 8742
RCON 8743
RCON 8744
RCON 8745
RCON 8746
RCON 8747
RCON 8748
15.b.(1)
15.b.(2)
06/2012
FFIEC 041
Page 42 of 80
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)) .......
RCON
Bil
Mil
(Column B)
Monoline Financial
Guarantors
Thou RCON
Bil
Mil
(Column C)
Hedge Funds
Thou RCON
Bil
Mil
(Column D)
Sovereign Governments
Thou RCON
Bil
Mil
(Column E)
Corporations and All
Other Counterparties
Thou RCON
Bil
Mil
Thou
G418
G419
G420
G421
G422
16.a.
G423
G424
G425
G426
G427
G428
G433
G429
G434
G430
G435
G431
G436
G432
G437
16.b.(1)
16.b.(2)
16.b.(3)
G438
G443
G439
G444
G440
G445
G441
G446
G442
G447
G448
G453
G449
G454
G450
G455
G451
G456
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 041
Page 43 of 80
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
Number
credit to 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 ............................................................
b. Farmland ..............................................................................................................
c. 1–4 family residential properties ................................................................................
d. Multifamily (5 or more) residential properties.................................................................
e. Nonfarm nonresidential properties ..............................................................................
f. Foreclosed properties from "GNMA loans" ...................................................................
g. Total (sum of items 3.a through 3.f) (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) ......
RCON
6164
Bil
Mil
Thou
1.a.
1.b.
3164
B026
5507
0426
5508
5509
5510
5511
5512
C979
2150
F055
F056
2.a.
2.a.(1)
2.b.
2.c.
2.d.
3.a.
3.b.
3.c.
3.d.
3.e.
3. f.
3.g.
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 041
Page 44 of 80
RC-30
Schedule RC-M—Continued
Dollar Amounts in Thousands RCON Yes
6. Does the reporting bank sell private label or third-party mutual funds and annuities? ........... B569
RCON
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
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
(1)
http://
N528
TE02
(2)
http://
N528
TE03
(3)
http://
N528
TE04
(4)
http://
N528
TE05
(5)
http://
N528
TE06
(6)
http://
N528
TE07
(7)
http://
N528
TE08
(8)
http://
N528
TE09
(9)
http://
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
RCON 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 Bil
a. Amount of ''Federal funds purchased" that are secured
(included in Schedule RC, item 14.a) ..................................................................... F064
b. Amount of ''Other borrowings" that are secured
(included in Schedule RC-M, items 5.b.(1)(a)–(d)) .................................................... F065
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
7.
8.a.
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 041
Page 45 of 80
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:
(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 ...................
(2) Not applicable
(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.....................................................................
RCON
K169
K170
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)
K179
13.a.(3)
K180
K181
13.a.(4)(a)
13.a.(4)(b)
K182
K183
13.a.(4)(c)
13.a.(5)
(a) Loans to depository institutions and acceptances of other banks ................. K184
(b) Loans to foreign governments and official institutions ................................ K185
(c) Other loans1 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . K186
13.a.(5)(a)
13.a.(5)(b)
13.a.(5)(c)
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 losssharing agreements with the FDIC (sum of items 13.a.(1) through (5)):
Item 13.a.(5)(c)(1) is to be completed by:2
•
•
Banks with $300 million or more in total assets
Banks with less than $300 million in total assets that have loans to finance
agricultural production and other loans to farmers (Schedule RC-C, Part I,
item 3) exceeding 5 percent of total loans
(1) Loans to finance agricultural production and other loans to farmers
included in Schedule RC-M, item 13.a.(5)(c), above ............................ K178
(d) Lease financing receivables................................................................. K273
13.a.(5)(c)(1)
13.a.(5)(d)
1. Includes "Loans to finance agricultural production and other loans to farmers," "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. The $300 million asset-size test and the 5 percent of total loans test are generally based on the total assets and total loans reported on the
June 30, 2013, Report of Condition.
03/2014
FFIEC 041
Page 46 of 80
RC-32
Schedule RC-M—Continued
Dollar Amounts in Thousands
b. Other real estate owned (included in Schedule RC, item 7):
(1) Construction, land development, and other land ...................................................
(2) Farmland .....................................................................................................
(3) 1–4 family residential properties .......................................................................
(4) Multifamily (5 or more) residential properties........................................................
(5) Nonfarm nonresidential properties .....................................................................
(6) Not applicable
(7) Portion of covered other real estate owned included in items 13.b.(1) through (5)
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 subsidiaries1 ..........................................................
b. Total assets of captive reinsurance subsidiaries1 .......................................................
RCON
Bil
Mil
Thou
K187
K188
K189
K190
K191
13.b.(1)
13.b.(2)
13.b.(3)
13.b.(4)
13.b.(5)
K192
J461
J462
13.b.(7)
13.c.
13.d.
K193
K194
14.a.
14.b.
Item 15 is to be completed by institutions that are required or have elected to be treated as a
Qualified Thrift Lender.
15. Qualified Thrift Lender (QTL) test:
a. Does the institution use the Home Owners’ Loan Act (HOLA) QTL test or the Internal
Revenue Service Domestic Building and Loan Association (IRS DBLA) test to determine its
QTL compliance? (for the HOLA QTL test, enter 1; for the IRS DBLA test, enter 2) ...........
b. Has the institution been in compliance with the HOLA QTL test as of each month end during
the quarter or the IRS DBLA test for its most recent taxable year, as applicable? ...............
Number
RCON
L133
15.a.
Yes
L135
No
15.b.
1. Report total assets before eliminating intercompany transactions between the consolidated insurance or reinsurance subsidiary and other offices or
consolidated subsidiaries of the reporting bank.
03/2014
FFIEC 041
Page 47 of 80
RC-33
Schedule RC-M—Continued
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?.................
RCON Yes
No
N517
N520
16.a.(1)
16.a.(2)
16.a.(3)
16.a.(4)
N521
16.b.
N518
N519
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
RCON
remittance transfers using the mechanisms described in items 16.a.(1), (2), and (3)
above during the two calendar quarters ending on 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 041
Page 48 of 80
RC-34
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:
(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 ......................
2. Loans to depository institutions and
acceptances of other banks ..........................
3. Not applicable
4. Commercial and industrial loans ....................
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 loans1 ..........................................
8. Lease financing receivables .........................
9. Debt securities and other assets (exclude
other real estate owned and other
repossessed assets) ...................................
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)
F179
F181
F183
1.e.(2)
B834
B835
B836
2.
1606
1607
1608
4.
B575
K213
B576
K214
B577
K215
5.a.
5.b.
K216
K217
K218
5.c.
5389
5459
5390
5460
5391
5461
1226
1227
1228
6.
7.
8.
3505
3506
3507
9.
1. Includes past due and nonaccrual "Loans to finance agricultural productions and other loans to farmers," "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 041
Page 49 of 80
RC-35
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
10. Loans and leases reported in items 1 through
8 above that are wholly or partially
guaranteed by the U.S. Government, excluding
loans and leases covered by loss-sharing
agreements with the FDIC............................
a. Guaranteed portion of loans and
leases included in item 10 above,
excluding rebooked "GNMA loans" .........
b. Rebooked "GNMA loans" that have
been repurchased or are eligible for
repurchase included in item 10 above ........
11. Loans and leases reported in items 1
through 8 above that are covered by
loss-sharing agreements with the FDIC:
a. Loans secured by real estate:
(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 ......................
(5) Secured by nonfarm nonresidential
properties:
(a) Loans secured by owner-occupied
nonfarm nonresidential properties......
(b) Loans secured by other nonfarm
nonresidential properties ..............
b. Not applicable
c. Commercial and industrial 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
K036
K037
K038
10.
K039
K040
K041
10.a.
K042
K043
K044
10.b.
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)
K066
K067
K068
11.a.(5)(a)
K069
K070
K071
11.a.(5)(b)
K075
K076
K077
11.c.
06/2012
Schedule RC-N—Continued
(Column A)
Past due
30 through 89
days and still
accruing
Dollar Amounts in Thousands
11. 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
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
K078
K081
K079
K082
K080
K083
11.d.(1)
11.d.(2)
K084
K085
K086
K087
K088
K089
11.d.(3)
11.e.
K092
K093
11.e.(1)
K096
K100
K097
K101
11.e.(2)
11.e.(3)
K073
K271
K074
K272
11.e.(3)(a)
11.e.(4)
K103
K104
11. f.
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 .......... K091
(2) Loans to foreign governments and
official institutions ............................. K095
(3) Other loans1 .................................... K099
Item 11.e.(3)(a) is to be completed by:2
• Banks with $300 million or more in
total assets
Banks
with less than $300 million in
•
total assets that have loans to
finance agricultural production and
other loans to farmers (Schedule
RC-C, Part 1, item 3) exceeding 5
percent of total loans
(a) Loans to finance agricultural production and other loans to farmers
included in Schedule RC-N, item
11.e.(3), above ............................. K072
(4) Lease financing receivables................ K269
f. Portion of covered loans and leases
included in items 11.a through 11.e
above that is protected by FDIC losssharing agreements............................... K102
1. Includes "Loans to finance agricultural production and other loans to farmers," "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. The $300 million asset-size test and the 5 percent of total loans test are generally based on the total assets and total loans reported on the
June 30, 2013, Report of Condition.
03/2014
FFIEC 041
Page 51 of 80
RC-37
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:
(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 ..............................................
c. Secured by multifamily (5 or more)
residential properties ...............................
d. Secured by nonfarm nonresidential
properties:
(1) Loans secured by owner-occupied
nonfarm nonresidential properties ..........
(2) Loans secured by other nonfarm
nonresidential properties......................
e. Commercial and industrial 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)
K117
K118
K119
K257
K258
K259
M.1.d.(2)
M.1.e.
(1) To U.S. addressees (domicile) .............. K120
(2) To non-U.S. addressees (domicile) ........ K123
f. All other loans (include loans to
individuals for household, family, and
other personal expenditures) ..................... K126
K121
K124
K122
K125
M.1.e.(1)
M.1.e.(2)
K127
K128
M.1. f.
K131
K132
M.1. f.(1)
K135
K136
M.1. f.(2)
Memorandum items 1.e.(1) and (2) are to be
completed by banks with $300 million or more in
total assets (sum of Memorandum items 1.e.(1)
and (2) must equal Memorandum item 1.e):1
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.e plus 1.f,
columns A through C):
(1) Loans secured by farmland .................. K130
(2) Loans to depository institutions and
acceptances of other banks .................. K134
(3) Not applicable
1. The $300 million asset-size test is generally based on the total assets reported on the June 30, 2013, Report of Condition.
03/2014
FFIEC 041
Page 52 of 80
RC-38
Schedule RC-N—Continued
Memoranda—Continued
(Column A)
Past due
30 through 89
days and still
accruing
Dollar Amounts in Thousands
1.f. (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 loans1 ...................................
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
K274
K275
K276
K277
K278
K279
M.1. f.(4)(a)
M.1. f.(4)(b)
K280
K281
K282
M.1. f.(4)(c)
K283
K284
K285
K286
K287
K288
M.1. f.(5)
M.1. f.(6)
K138
K139
K140
M.1. f.(6)(a)
6558
6559
6560
M.2.
1248
1249
1250
M.3.a.
5380
5381
5382
M.3.b.
1254
1255
1256
M.3.c.
F166
F167
F168
M.3.d.
Memorandum item 1.f.(6)(a) is to be
completed by:2
• Banks with $300 million or more in
total assets
Banks
with less than $300 million in
•
total assets that have loans to
finance agricultural production and
other loans to farmers (Schedule
RC-C, Part I, item 3) exceeding 5
percent of total loans
(a) Loans to finance agricultural production and other loans to farmers
included in Schedule RC-N, item
Memorandum item 1.f.(6), above .....
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. Memorandum items 3.a through 3.d are to
be completed by banks with $300 million or
more in total assets:2
a. Loans secured by real estate to non-U.S.
addressees (domicile) (included in
Schedule RC-N, item 1, above)..............
b. Loans to and acceptances of foreign
banks (included in Schedule RC-N, item
2, above)...........................................
c. Commercial and industrial loans to nonU.S. addressees (domicile) included in
Schedule RC-N, item 4, above...............
d. Leases to individuals for household, family,
and other personal expenditures (included
in Schedule RC-N, item 8, above) ...........
1. Includes "Loans to finance agricultural production and other loans to farmers," "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. The $300 million asset-size test and the 5 percent of total loans test are generally based on the total assets and total loans reported on the
June 30, 2013, Report of Condition.
03/2014
FFIEC 041
Page 53 of 80
RC-39
Schedule RC-N—Continued
Memoranda—Continued
(Column A)
Past due
30 through 89
days and still
accruing
Dollar Amounts in Thousands
Memorandum item 4 is to be completed by:1
•
•
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
banks with $300 million or more in total
assets
banks with less than $300 million in total
assets that have loans to finance agricultural
production and other loans to farmers
(Schedule RC-C, Part I, item 3) exceeding 5
percent of total loans:
4. Loans to finance agricultural production and
other loans to farmers (included in Schedule
RC-N, item 7, above) ..................................
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 ......................
1594
1597
1583
M.4.
C240
C241
C226
M.5.a.
F664
F667
F665
F668
F666
F669
M.5.b.(1)
M.5.b.(2)
(Column A)
Past due
30 through 89 days
Dollar Amounts in Thousands
Memorandum item 6 is to be completed by banks
with $300 million or more in total assets:1
RCON
Bil
Mil
6. Derivative contracts:
Fair value of amounts carried as assets .......... 3529
(Column B)
Past due 90
days or more
Thou RCON
Bil
Mil
3530
Thou
M.6.
RCON
Bil
Mil
Thou
7. Additions to nonaccrual assets during the quarter ............................................................. C410
8. Nonaccrual assets sold during the quarter ....................................................................... C411
(Column A)
Past due
30 through 89
days and still
accruing
Dollar Amounts in Thousands RCON
9. Purchased credit-impaired loans accounted for
in accordance with FASB ASC 310-30 (former
AICPA Statement of Position 03-3):
a. Outstanding balance................................ L183
b. Carrying amount included in Schedule RC-N,
items 1 though 7, above ........................... L186
Bil
Mil
(Column B)
Past due 90
days or more
and still
accruing
Thou RCON
Bil
Mil
M.7.
M.8.
(Column C)
Nonaccrual
Thou RCON
Bil
Mil
Thou
L184
L185
M.9.a.
L187
L188
M.9.b.
1. The $300 million asset-size test and the 5 percent of total loans test are generally based on the total assets and total loans reported on the
June 30, 2013, Report of Condition.
03/2014
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Page 54 of 80
RC-40
Schedule RC-O—Other Data for Deposit Insurance and FICO Assessments
All FDIC-insured depository institutions must complete items 1 and 2, 4 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 RCON
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 .............. F237
3. Not applicable
4. Average consolidated total assets for the calendar quarter........................................................ K652
Number
a. Averaging method used
(for daily averaging, enter 1, for weekly averaging, enter 2) ...................... K653
Bil
Thou
1.
2.
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 .............................................................................................................
9. Reciprocal brokered deposits (included in Schedule RC-E, Memorandum item 1.b) .......................
Mil
Mil
Thou
K654
5.
6.
K655
G465
G466
7.a.
7.b.
7.c.
7.d.
G467
G468
G469
G470
8.a.
8.b.
8.c.
8.d.
9.
G471
G472
G803
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................................................................... L190
10. Banker's bank certification:
Yes
Does the reporting institution meet both the statutory definition of a banker's bank and the business
K656
conduct test set forth in FDIC regulations? ............................................................................
If the answer to item 10 is "YES," complete items 10.a and 10.b.
Bil
9.a.
No
10.
Mil
Thou
10.a.
10.b.
a. Banker's bank deduction ................................................................................................ K657
b. Banker's bank deduction limit .......................................................................................... K658
11. Custodial bank certification:
Yes
No
11.
Does the reporting institution meet the definition of a custodial bank set forth in FDIC regulations? .. K659
If the answer to item 11 is "YES," complete items 11.a and 11.b.
a. Custodial bank deduction ............................................................................................... K660
b. Custodial bank deduction limit ......................................................................................... K661
Bil
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
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Page 55 of 80
RC-41
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)
F050
of $250,000 or less ...............................................................
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)
F052
of more than $250,000 ...........................................................
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
M.1.c.(2)
d. Retirement deposit accounts of more than $250,000:
(1) Amount of retirement deposit accounts of more than $250,000 ................................... F047
1
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 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
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Page 56 of 80
RC-42
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 .......................
10. Commitments to fund construction, land development, and other land loans secured by real
estate:
a. Total unfunded commitments ....................................................................................
b. Portion of unfunded commitments guaranteed or insured by the U.S. government (including
the FDIC) ..............................................................................................................
11. Amount of other real estate owned recoverable from the U.S. government under
guarantee or insurance provisions (excluding FDIC loss-sharing agreements) ........................
12. Nonbrokered time deposits of more than $250,000 in domestic offices
(included in Schedule RC-E, Part I, Memorandum item 2.d) ................................................
RCON
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.
K676
M.10.a.
K677
M.10.b.
K669
M.11.
K678
M.12.
N177
M.13.a.
M.13.b.
M.13.c.
K663
K664
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 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 .......................................................
N178
N179
N180
N181
N182
N183
M963
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
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Page 57 of 80
RC-43
Schedule RC-O—Continued
Memoranda—Continued
Dollar Amounts in Thousands
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) ..................................................
RCON
Bil
Mil
Thou
L189
M.16.
L194
L195
M.17.a.
M.17.b.
M.17.c.
M.17.d.
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 ............
c. Unsecured “Other borrowings” with a remaining maturity of one year or less .......................
d. Estimated amount of uninsured deposits, including related interest accrued and unpaid ............
L196
L197
06/2012
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Page 58 of 80
RC-44
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)
(Column A)
1%
(Column B)
1.01–4%
(Column C)
4.01–7%
(Column D)
7.01–10%
(Column E)
10.01–14%
(Column F)
14.01–16%
(Column G)
16.01–18%
(Column H)
18.01–20%
Dollar Amounts in Thousands Bil Mil Thou Bil Mil Thou Bil Mil Thou Bil Mil Thou Bil Mil Thou Bil Mil Thou Bil Mil Thou Bil Mil Thou
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
RCON M964
RCON M965
RCON M966
RCON M967
RCON M968
RCON M969
RCON M970
RCON M971
defined for assessment purposes
only in FDIC regulations..............
b. Closed-end loans secured by first
RCON M979
RCON M980
RCON M981
RCON M982
RCON M983
RCON M984
RCON M985
RCON M986
liens on 1– 4 family residential
properties ................................
c. Closed-end loans secured by
RCON M994
RCON M995
RCON M996
RCON M997
RCON M998
RCON M999
RCON N001
RCON N002
junior liens on 1– 4 family
residential properties..................
d. Revolving, open-end loans secured by
RCON N010
RCON N011
RCON N012
RCON N013
RCON N014
RCON N015
RCON N016
RCON N017
1–4 family residential properties and
extended under lines of credit..........
RCON N040
RCON N041
RCON N042
RCON N043
RCON N044
RCON N045
RCON N046
RCON N047
RCON N055
RCON N056
RCON N057
RCON N058
RCON N059
RCON N060
RCON N061
RCON N062
RCON N070
RCON N071
RCON N072
RCON N073
RCON N074
RCON N075
RCON N076
RCON N077
e. Credit cards .............................
M.18.c.
M.18.d.
M.18.f.
g. Student loans ...........................
M.18.g.
RCON N085
RCON N086
RCON N087
RCON N088
RCON N089
RCON N090
RCON N091
RCON N092
RCON N100
RCON N101
RCON N102
RCON N103
RCON N104
RCON N105
RCON N106
RCON N107
RCON N115
RCON N116
RCON N117
RCON N118
RCON N119
RCON N120
RCON N121
RCON N122
M.18.h.
i. Consumer leases ......................
j. Total .......................................
M.18.b.
M.18.e.
f. Automobile loans.......................
h. Other consumer loans and
revolving credit plans other
than credit cards .......................
M.18.a.
M.18.i.
M.18.j.
03/2014
FFIEC 041
Page 59 of 80
RC-45
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)
(Column I)
20.01–22%
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 ..........................
Bil
Mil
Thou
RCON M972
(Column J)
22.01–26%
Bil
Mil
Thou
RCON M973
(Column K)
26.01–30%
Bil
Mil
Thou
RCON M974
(Column L)
> 30%
Bil
Mil
Thou
RCON M975
(Column M)
Unscoreable
Bil
Mil
Thou
RCON M976
(Column N)
Total
Bil
Mil
Thou
RCON M977
(Column O)
PDs Were
Derived
Using1
Number
RCON M978
M.18.a.
RCON M987
RCON M988
RCON M989
RCON M990
RCON M991
RCON M992
RCON M993
M.18.b.
RCON N003
RCON N004
RCON N005
RCON N006
RCON N007
RCON N008
RCON N009
M.18.c.
RCON N018
RCON N019
RCON N020
RCON N021
RCON N022
RCON N023
RCON N024
RCON N048
RCON N049
RCON N050
RCON N051
RCON N052
RCON N053
RCON N054
RCON N063
RCON N064
RCON N065
RCON N066
RCON N067
RCON N068
RCON N069
RCON N078
RCON N079
RCON N080
RCON N081
RCON N082
RCON N083
RCON N084
M.18.d.
M.18.e.
e. Credit cards ...................................................
M.18.f.
f. Automobile loans ............................................
g. Student loans .................................................
h. Other consumer loans and
revolving credit plans other
than credit cards .............................................
M.18.g.
RCON N093
RCON N094
RCON N095
RCON N096
RCON N097
RCON N098
RCON N099
RCON N108
RCON N109
RCON N110
RCON N111
RCON N112
RCON N113
RCON N114
RCON N123
RCON N124
RCON N125
RCON N126
RCON N127
RCON N128
M.18.h.
M.18.i.
i. Consumer leases ............................................
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
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Page 60 of 80
RC-46
Schedule RC-P—1–4 Family Residential Mortgage Banking Activities
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 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 governmentsponsored 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
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Page 61 of 80
RC-47
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) ....
RCON
Bil
Mil
(Column B)
LESS: Amounts Netted
in the Determination of
Total Fair Value
Thou RCON
Bil
Mil
(Column C)
Level 1 Fair Value
Measurements
Thou RCON
Bil
Mil
(Column D)
Level 2 Fair Value
Measurements
Thou RCON
Bil
Mil
(Column E)
Level 3 Fair Value
Measurements
Thou RCON
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 041
Page 62 of 80
RC-48
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
RCON
Bil
Mil
(Column B)
LESS: Amounts Netted
in the Determination of
Total Fair Value
Thou RCON
Bil
Mil
(Column C)
Level 1 Fair Value
Measurements
Thou RCON
Bil
Mil
(Column D)
Level 2 Fair Value
Measurements
Thou RCON
Bil
Mil
(Column E)
Level 3 Fair Value
Measurements
Thou RCON
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 041
Page 63 of 80
RC-49
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 .................................
27. Total assets for leverage capital purposes (sum of items 22 and 26 less items 23 through 25)...........
RCON
Bil
Mil
Thou
3210
1.
8434
2.
A221
3.
4336
B588
B589
4.
5.
6.
7.a.
B590
F264
C227
B591
5610
B592
8274
5306
B593
5310
7.b.
8.
9.a.
9.b.
10.
11.
8275
12.
13.
14.
15.
16.
17.
18.
B595
3792
20.
21.
L136
22.
23.
24.
25.
26.
27.
2221
B594
5311
B590
B591
5610
L137
L138
1. Report amount included in Schedule RC, item 26.b, "Accumulated other comprehensive income" (AOCI).
03/2014
FFIEC 041
Page 64 of 80
RC-50
Schedule RC-R—Continued
Part I.A—Continued
Dollar Amounts in Thousands
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..........................................................
RCON
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
RCON Percentage RCON Percentage
financial subsidiaries.)
.
.
7204
31. Tier 1 leverage ratio1 ...................................................................................... 7273
2
.
.
7206
32. Tier 1 risk-based capital ratio .......................................................................... 7274
3
.
.
7205
33. Total risk-based capital ratio ........................................................................... 7275
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 041
Page 65 of 80
RC-51
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
RCOA
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.
RCON
2. Retained earnings ........................................................................................................ 3632
2.
RCOA
3. Accumulated other comprehensive income (AOCI).............................................................. B530
a. AOCI opt-out election (enter “1” for Yes; enter “0” for No.)
(Advanced approaches institutions must enter “0” for No.) ................................................
0=No RCOA
3.a.
1=Yes P838
RCOA
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 041
Page 66 of 80
RC-52
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) ........................................................
RCOA
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.
RCOW
5310
30.b.
RCOA
Q257
P870
31.
32.a.
RCOW
P870
32.b.
RCOA
33. LESS: Tier 2 capital deductions ....................................................................................... P872
34. a. Tier 2 capital (greater of item 32.a minus item 33, or zero) ............................................... 5311
RCOW
b. (Advanced approaches institutions that exit parallel run only): Tier 2 capital (greater of item
32.b minus item 33, or zero)........................................................................................ 5311
RCOA
Total Capital
35. a. Total capital (sum of items 26 and 34.a) ...................................................................... 3792
RCOW
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 041
Page 67 of 80
RC-53
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) .....................................
RCON
Bil
Mil
Thou
3368
36.
RCOA
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
RCOW
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
RCOA Percentage RCOW Percentage
40.a) (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
RCOA 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 041
Page 68 of 80
RC-54
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)
(Column B)
Totals
Items Not Subject
(from Schedule RC) to Risk Weighting
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)...........
Bil
Mil
Thou
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
RCON 0010
RCON C869
RCON B600
RCON B601
RCON B602
RCON 1754
RCON B603
RCON B604
RCON B605
RCON B606
RCON B607
RCON 1773
RCON B608
RCON B609
RCON B610
RCON B611
RCON B612
RCON C063
RCON 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.
RCON C225
RCON B520
37.
RCON 5369
RCON B617
RCON B618
RCON B619
RCON B620
RCON B621
RCON B528
RCON B622
RCON B623
RCON B624
RCON B625
RCON B626
RCON 3123
RCON 3123
RCON 3545
RCON B627
RCON B628
RCON B629
RCON B630
RCON B631
RCON B639
RCON B640
RCON B641
RCON B642
RCON B643
RCON 5339
RCON 2170
RCON B644
RCON 5320
RCON 5327
RCON 5334
RCON 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.
42. All other assets1 ............................................................
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 041
Page 69 of 80
RC-55
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
RCON B546
RCON 3411
(Column E)
(Column F)
0%
20%
50%
100%
Bil
Mil Thou
RCON B547
Bil
Mil Thou
RCON B548
Bil
Mil Thou
RCON B581
Bil
Mil Thou
RCON B582
Bil
Mil Thou
RCON B583
RCON B650
RCON B651
RCON B652
RCON B653
RCON B654
RCON B655
RCON B656
RCON B657
RCON B658
RCON B659
RCON B660
RCON B661
RCON B662
RCON B664
RCON B665
RCON B666
RCON B667
RCON B668
RCON B669
RCON B670
RCON B671
RCON B672
RCON B673
Allocation by Risk-Weight Category
44.
45.
.20
RCON 3429
46.
RCON B663
1.00
RCON 3433
47.
1.00
RCON A250
48.
1.00
RCON B541
49.
RCON B542
RCON B543
12.53
RCON B675
50.
RCON B676
RCON B677
RCON B678
RCON B679
RCON B680
RCON B682
RCON B683
RCON B684
RCON B685
RCON B686
1.00
RCON 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 D)
.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 C)
1.00 or 12.52
RCON 3821
46. Commercial and similar letters of credit ...
47. Risk participations in bankers acceptances
acquired by the reporting institution ........
(Column B)
Credit
Equivalent
Amount1
51.
1.00
RCON 3833
52.
RCON B687
RCON B688
RCON B689
RCON B690
RCON B691
.50
RCON G591
53.a.
RCON G592
RCON G593
RCON G594
RCON G595
RCON A167
RCON B693
RCON B694
RCON B695
RCON 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 041
Page 70 of 80
RC-56
Schedule RC-R—Continued
Part II—Continued
(Column C)
(Column D)
(Column E)
(Column F)
Allocation by Risk-Weight Category
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
Bil
20%
Mil Thou
Bil
50%
Mil Thou
Bil
100%
Mil Thou
RCON B696
RCON B697
RCON B698
RCON B699
X 0%
X 20%
X 50%
X 100%
RCON B700
RCON B701
RCON B702
RCON B703
55.
56.
57.
0
RCON 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.
RCON B704
59.
RCON A222
60. LESS: Excess allowance for loan and lease losses ............................................................
60.
RCON 3128
61. LESS: Allocated transfer risk reserve ..............................................................................
61.
RCON A223
62. Total risk-weighted assets (item 59 minus items 60 and 61) .................................................
62.
Memoranda
Dollar Amounts in Thousands RCON
1. Current credit exposure across all derivative contracts covered by the risk-based capital standards ............................................................... 8764
Bil
Mil
Thou
M.1.
03/2014
FFIEC 041
Page 71 of 80
RC-57
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 ...............................................................
RCON
Tril
Bil
Mil
(Column B)
Over one year
through five years
Thou RCON
Tril
Bil
Mil
(Column C)
Over five years
Thou RCON
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 041
Page 72 of 80
RC-58
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 sellerprovided 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
RCON B705
(Column B)
Home
Equity
Lines
Bil
Mil
Thou
RCON B706
(Column C)
Credit
Card
Receivables
Bil
Mil
Thou
RCON B707
(Column D)
Auto
Loans
Bil
Mil
Thou
RCON B708
(Column E)
Other
Consumer
Loans
Bil
Mil
Thou
RCON B709
(Column F)
Commercial
and Industrial
Loans
Bil
Mil
Thou
RCON B710
(Column G)
All Other Loans,
All Leases, and
All Other Assets
Bil
Mil
Thou
RCON B711
1.
RCON B712
RCON B713
RCON B714
RCON B715
RCON B716
RCON B717
RCON B718
RCON C393
RCON C394
RCON C395
RCON C396
RCON C397
RCON C398
RCON C399
RCON C400
RCON C401
RCON C402
RCON C403
RCON C404
RCON C405
RCON C406
2.a.
2.b.
2.c.
RCON B726
RCON B727
RCON B728
RCON B729
RCON B730
RCON B731
RCON B732
RCON B733
RCON B734
RCON B735
RCON B736
RCON B737
RCON B738
RCON B739
RCON B740
RCON B741
RCON B742
RCON B743
RCON B744
RCON B745
RCON B746
3.
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 041
Page 73 of 80
RC-59
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)..........................
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 ..........................
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
RCON B761
RCON B762
RCON B763
RCON B500
RCON B501
RCON B502
(Column G)
All Other Loans,
All Leases, and
All Other Assets
Bil
Mil
Thou
6.a.
6.b.
RCON B764
RCON B765
RCON B766
RCON B767
RCON B768
RCON B769
7.a.
b. 90 days or more past due ....................
8. Charge-offs and recoveries on loan
amounts included in interests reported
in item 6.a (calendar year-to-date):
a. Charge-offs ......................................
7.b.
RIAD B770
RIAD B771
RIAD B772
RIAD B773
RIAD B774
RIAD B775
8.a.
b. Recoveries .......................................
For Securitization Facilities Sponsored
By or Otherwise Established By Other
Institutions
9. Maximum amount of credit exposure
arising from credit enhancements provided
by the reporting bank to other
institutions' securitization structures in
the form of standby letters of credit,
purchased subordinated securities,
and other enhancements ........................
10. Reporting bank's unused commitments
to provide liquidity to other institutions'
securitization structures ..........................
8.b.
RCON B776
RCON B777
RCON B778
RCON B779
RCON B780
RCON B781
RCON B782
RCON B783
RCON B784
RCON B785
RCON B786
RCON B787
RCON B788
RCON B789
9.
10.
06/2012
FFIEC 041
Page 74 of 80
RC-60
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 1 ...
Bil
Mil
Thou
RCON B790
(Column B)
Home
Equity
Lines
Bil
Mil
Thou
RCON B791
(Column C)
Credit
Card
Receivables
Bil
Mil
Thou
RCON B792
(Column D)
Auto
Loans
Bil
Mil
Thou
RCON B793
(Column E)
Other
Consumer
Loans
Bil
Mil
Thou
RCON B794
(Column F)
Commercial
and Industrial
Loans
Bil
Mil
Thou
RCON B795
(Column G)
All Other Loans,
All Leases, and
All Other Assets
Bil
Mil
Thou
RCON B796
11.
RCON B797
RCON B798
RCON B799
RCON B800
RCON B801
RCON B802
RCON 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 ..........................................................
RCON
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 041
Page 75 of 80
RC-61
Schedule RC-T—Fiduciary and Related Services
RCON 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 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 retirement-related
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
RCON B868
(Column B)
Non-Managed
Assets
Thou
Tril
Bil
Mil
RCON B869
(Column C)
Number of
Managed
Accounts
(Column D)
Number of
Non-Managed
Accounts
RCON B870
RCON B871
Thou
4.
RCON B872
RCON B873
RCON B874
RCON B875
RCON B876
RCON B877
RCON B878
RCON B879
RCON B880
RCON B881
RCON B882
RCON B883
RCON B884
RCON B885
RCON C001
RCON C002
RCON B886
RCON J253
RCON B888
RCON J254
RCON J255
RCON J256
RCON J257
RCON J258
RCON B890
RCON B891
RCON B892
RCON B893
RCON B894
RCON B895
RCON B896
RCON B897
5.a.
5.b.
5.c.
6.
7.
8.
9.
10.
06/2012
FFIEC 041
Page 76 of 80
RC-62
Schedule RC-T—Continued
(Column A)
Managed
Assets
Dollar Amounts in Thousands
11. Custody and safekeeping accounts .......
12. Not applicable
13. Individual Retirement Accounts, Health
Savings Accounts, and other similar accounts (included in items 5.c and 11) ....
Tril
Bil
Mil
(Column B)
Non-Managed
Assets
Thou
Tril
(Column C)
Number of
Managed
Accounts
(Column D)
Number of
Non-Managed
Accounts
Bil
Mil Thou
RCON B898
RCON B899
11.
RCON J259
RCON J261
RCON J260
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) ..................................................................................
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 .........................
j. Other notes and bonds ................................
k. Investments in unregistered funds and private
equity investments .....................................
RCON J262
(Column A)
Personal Trust and
Agency and Investment
Management Agency
Accounts
RCON
Bil
Mil
(Column B)
Employee Benefit
and Retirement-Related
Trust and Agency
Accounts
Thou RCON
Bil
Mil
Bil
Mil
Thou
B904
14.
B905
15.a.
15.b.
15.c.
16.
17.
18.
19.
20.
21.
B906
B907
A479
J315
J316
A480
B909
B910
4070
22.
23.
24.
25.
26.
C058
A488
B911
A491
(Column C)
All Other Accounts
Thou RCON
Bil
Mil
Thou
J263
J266
J264
J267
J265
J268
M.1.a.
M.1.b.
J269
J272
J270
J273
J271
J274
J275
J278
J281
J276
J279
J282
J277
J280
J283
M.1.c.
M.1.d.
M.1.e.
M.1. f.
M.1.g.
J284
J287
J285
J288
J286
J289
J290
J291
J292
M.1.h.
M.1. i.
M.1. j.
J293
J294
J295
M.1.k.
06/2012
FFIEC 041
Page 77 of 80
RC-63
Schedule RC-T—Continued
Memoranda—Continued
(Column A)
Personal Trust and
Agency and Investment
Management Agency
Accounts
Dollar Amounts in Thousands
1. 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)...........
RCON
Bil
Mil
(Column B)
Employee Benefit
and Retirement-Related
Trust and Agency
Accounts
Thou RCON
Bil
Mil
(Column C)
All Other Accounts
Thou RCON
Bil
Mil
Thou
J296
J299
J297
J300
J298
J301
J302
J305
J303
J306
J304
J307
M.1. l.
M.1.m.
M.1.n.
M.1.o.
J308
J309
J310
M.1.p.
(Column A)
Managed Assets
Dollar Amounts in Thousands RCON
1. q. Investments of managed fiduciary accounts in advised or
sponsored mutual funds ........................................................... J311
Bil
Mil
(Column B)
Number of
Managed Accounts
Thou RCON
J312
(Column A)
Number of
Issues
Dollar Amounts in Thousands RCON
2. Corporate trust and agency accounts:
a. Corporate and municipal trusteeships ................................................. B927
M.1.q.
(Column B)
Principal Amount
Outstanding
Tril
Bil
Mil Thou
RCON B928
M.2.a.
RCON J314
(1) Issues reported in Memorandum item 2.a that are in default ................ J313
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.a.(1)
M.2.b.
(Column B)
Market Value of
Fund Assets
Bil
Mil
Thou
RCON
RCON
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 041
Page 78 of 80
RC-64
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 041
Page 79 of 80
RC-65
Schedule RC-V—Variable Interest Entities
(Column A)
Securitization Vehicles
Dollar Amounts in Thousands
1. Assets of consolidated variable interest
entities (VIEs) that can be used only to settle
obligations of the consolidated VIEs:
a. Cash and balances due from depository
institutions......................................................
b. Held-to-maturity securities .................................
c. Available-for-sale securities ...............................
d. Securities purchased under
agreements to resell.........................................
e. Loans and leases held for sale ...........................
f. Loans and leases, net of unearned
income ..........................................................
g. Less: Allowance for loan and lease
losses ...........................................................
h. Trading assets (other than derivatives).................
i. Derivative trading assets ...................................
j. Other real estate owned ....................................
k. Other assets ...................................................
2. Liabilities of consolidated VIEs for which creditors
do not have recourse to the general credit of the
reporting bank:
a. Securities sold under agreements to
repurchase .....................................................
b. Derivative trading liabilities ................................
c. Commercial paper ...........................................
d. Other borrowed money
(exclude commercial paper) ...............................
e. Other liabilities ................................................
3. All other assets of consolidated VIEs
(not included in items 1.a through 1.k above) ............
4. All other liabilities of consolidated VIEs
(not included in items 2.a through 2.e above) ............
RCON
Bil
Mil
(Column B)
ABCP Conduits
Thou RCON
Bil
Mil
(Column C)
Other VIEs
Thou RCON
Bil
Mil
Thou
J981
J982
J983
J984
J987
J985
J988
J986
J989
1.a.
1.b.
1.c.
J990
J993
J991
J994
J992
J995
1.d.
1.e.
J996
J997
J998
1. f.
1.g.
1.h.
1. i.
1. j.
1.k.
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 041
Page 80 of 80
RC-66
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
| File Type | application/pdf |
| File Title | FFIEC 041 |
| Subject | Consolidated Reports of Condition and Income for a Bank with Domestic Offices Only |
| Author | Federal Reserve Board |
| File Modified | 2015-02-03 |
| File Created | 2014-09-24 |