Stress Test Reporting $10-$50 Billion - Results

Results Submission Cover Sheet
Dodd-Frank Annual Stress Test Reporting Template for Covered Institutions with Total Consolidated Assets Between $10 and $50 Billion
Report at the close of business March 31 of each calendar year
This Report is required by law: Section 165(i)(2) of the Dodd Frank Wall Street Reform and Consumer Protection Act (12 U.S.C. § 5365(i)(2)).
OMB Number 3064-0189
Expiration Date: 03/31/17
PAPERWORK REDUCTION ACT NOTICE
Public reporting burden for this collection of information is estimated to be 469 hours per response, including the time to gather data in the required form and to review instructions and complete the information collection. Send
comments regarding this burden estimate or any other aspect of this collection of information, including suggestions for reducing the burden, to Paperwork Reduction Act Clearance Officer, Legal Division, Federal Deposit Insurance
Corporation, 550 17th Street, N.W., Washington, D.C. 20429, or via e-mail to [email protected]; and to the Office of Management and Budget, Paperwork Reduction Project (3064-0189), Washington, D.C. 20503. The Federal
Deposit Insurance Corporation 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.
Institutions are expected to complete the Income Statement and Balance Sheet templates for each required scenario - Baseline, Adverse, and Severely Adverse.
Please note that unlike Call Report reporting, all actual and projected income statement figures should be reported on a quarterly basis (in the quarter) and not on a cumulative basis.

Institution Name:
RSSD ID
CERT:
Institution Type:
Planning Horizon Year 1 (YYYY):
Planning Horizon Year 2 (YYYY):
Submission Date (MM/DD/YYYY):
When Completed (MM/DD/YYYY):

XYZ

#####
#####
2016
2017
xx/xx/20xx
xx/xx/20xx

(Enter appropriate year)
(Enter appropriate year)
(Enter date)
(Enter date)

Person whom questions about this report should be directed:
Name / Title
Area Code / Phone Number
Fax Number
E-mail Address

xx/xx/20xx

FDIC DFAST 10-50 - Baseline Scenario
Income Statement for XYZ
CERT #####
(Dollar Amounts in Thousands)
Projected

Actual
Income Statement Impacts

031 Call Rpt Item

041 Call Rpt Item

As of 12/31

Q1

Q2

Q3

Q4

Q5

Q6

Q7

Q8

Q9

Net Charge-Offs
1

First lien mortgages

RIADC234 - RIADC217

RIADC234 - RIADC217

2

Closed-end junior liens

RIADC235 - RIADC218

RIADC235 - RIADC218

3

HELOCs

RIAD5411 - RIAD5412

RIAD5411 - RIAD5412
RIAD4638 - RIAD4608

4

C&I loans

(RIAD4645 + RIAD4646) (RIAD4617 + RIAD4618)

5

1-4 family construction loans

RIADC891 - RIADC892

RIADC891 - RIADC892

6

Other construction loans

RIADC893 - RIADC894

RIADC893 - RIADC894

7

Multifamily loans

RIAD3588 - RIAD3589

RIAD3588 - RIAD3589

8

Non-farm, non-residential owner occupied loans

RIADC895 - RIADC896

RIADC895 - RIADC896

9

Non-farm, non-residential other loans

RIADC897 - RIADC898

RIADC897 - RIADC898

10

Credit cards

RIADB514 - RIADB515

RIADB514 - RIADB515

11

Automobile loans

RIADK129 - RIADK133

RIADK129 - RIADK133

12

Other consumer

RIADK205 - RIADK206

RIADK205 - RIADK206

13

All other loans and leases

See instructions

See instructions

RIAD4635 - RIAD4605

RIAD4635 - RIAD4605

14

Total loan and lease net charge offs (sum of items 1 to 13)

15

Net interest income

RIAD4074

RIAD4074

16

Non-interest income

RIAD4079

RIAD4079

17

Non-interest expense

RIAD4093

RIAD4093

18

Pre-provision net revenue ( = item 15 + item 16 - item 17)

19

Provision for loan and lease losses

RIAD4230

RIAD4230

20

Realized gains (losses) on HTM securities

RIAD3521

RIAD3521

21

Realized gains (losses) on AFS securities

RIAD3196

RIAD3196

22

All other gains (losses)

See instructions

See instructions

23

Taxes

RIAD4302

RIAD4302

RIAD4340

RIAD4340

RIADJ319

RIADJ319

24

25

Net income (item 18 - item 19 + item 20 + item 21 + item 22 item 23)

Memoranda
Total other-than-temporary impairment (OTTI) losses

Itemize and describe amounts greater than 15% of non-interest income (item 16)
26
27
28
29
30
31
Itemize and describe amounts greater than 15% of non-interest expense (item 17)
32
33
34
35
36
37
Itemize and describe amounts greater than 15% of all other gains (losses) (item 22)
38
39
40
41
42
43

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

xx/xx/20xx

FDIC DFAST 10-50 - Summary Schedule
Summary Schedule for XYZ
CERT #####
(Dollar Amounts in Thousands)
Projected

Actual
031 Call Rpt Item

041 Call Rpt Item

Total loan and lease net charge-offs

RIAD4635 - RIAD4605

RIAD4635 - RIAD4605

2

Pre-provision net revenue

3

Net income

RIAD4074 + RIAD4079 RIAD4093
RIAD4340

RIAD4074 + RIAD4079 RIAD4093
RIAD4340

4

Allowance for loan and lease losses

RCFD3123

RCON3123

5

Total assets

RCFD2170

7

Total liabilities
Dividends,share repurchases, and sale, conversion,
acquisition, or retirement of capital stock

8
9

Scenario Summaries

As of 12/31

Q1

Q2

Q3

Q4

Q5

Q6

Q7

Q8

Q9

Baseline Scenario
1

6

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

RCON2170

0

0

0

0

0

0

0

0

0

0

RCFD2948

RCON2948

0

0

0

0

0

0

0

0

0

0

(RIADB509 + RIADB510) (RIAD4470 + RIAD4460)
RCONG105

0

0

0

0

0

0

0

0

0

0

Total equity capital

(RIADB509 + RIADB510) (RIAD4470 + RIAD4460)
RCFDG105

0

0

0

0

0

0

0

0

0

0

Common equity tier 1 risk-based capital ratio

RCFAP793

RCOAP793

0

0

0

0

0

0

0

0

=(Tier 1 Capital / RWA) *
100
=(Tier 1 Capital / Total
Assets for Leverage
Purposes) * 100

10

Tier 1 risk-based capital ratio

11

Tier 1 leverage ratio

=(Tier 1 Capital / RWA) *
100
=(Tier 1 Capital / Total
Assets for Leverage
Purposes) * 100

Total risk-based capital ratio

=(Total Capital / RWA) *
100

=(Total Capital / RWA) *
100

Total loan and lease net charge-offs

RIAD4635 - RIAD4605

RIAD4635 - RIAD4605

14

Pre-provision net revenue

15

Net income

RIAD4074 + RIAD4079 RIAD4093
RIAD4340

RIAD4074 + RIAD4079 RIAD4093
RIAD4340

16

Allowance for loan and lease losses

RCFD3123

RCON3123

17

Total assets

RCFD2170

19

Total liabilities
Dividends,share repurchases, and sale, conversion,
acquisition, or retirement of capital stock

20
21

12

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

Adverse Scenario
13

18

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

RCON2170

0

0

0

0

0

0

0

0

0

0

RCFD2948

RCON2948

0

0

0

0

0

0

0

0

0

0

(RIADB509 + RIADB510) (RIAD4470 + RIAD4460)
RCONG105

0

0

0

0

0

0

0

0

0

0

Total equity capital

(RIADB509 + RIADB510) (RIAD4470 + RIAD4460)
RCFDG105

0

0

0

0

0

0

0

0

0

0

Common equity tier 1 risk-based capital ratio

RCFAP793

RCOAP793

0

0

0

0

0

0

0

0

=(Tier 1 Capital / RWA) *
100
=(Tier 1 Capital / Total
Assets for Leverage
Purposes) * 100

22

Tier 1 risk-based capital ratio

23

Tier 1 leverage ratio

=(Tier 1 Capital / RWA) *
100
=(Tier 1 Capital / Total
Assets for Leverage
Purposes) * 100

Total risk-based capital ratio

=(Total Capital / RWA) *
100

=(Total Capital / RWA) *
100

Total loan and lease net charge-offs

RIAD4635 - RIAD4605

RIAD4635 - RIAD4605

26

Pre-provision net revenue

27

Net income

RIAD4074 + RIAD4079 RIAD4093
RIAD4340

RIAD4074 + RIAD4079 RIAD4093
RIAD4340

28

Allowance for loan and lease losses

RCFD3123

RCON3123

29

Total assets

RCFD2170

31

Total liabilities
Dividends,share repurchases, and sale, conversion,
acquisition, or retirement of capital stock

32
33

24

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

Severely Adverse Scenario
25

30

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

RCON2170

0

0

0

0

0

0

0

0

0

0

RCFD2948

RCON2948

0

0

0

0

0

0

0

0

0

0

(RIADB509 + RIADB510) (RIAD4470 + RIAD4460)
RCONG105

0

0

0

0

0

0

0

0

0

0

Total equity capital

(RIADB509 + RIADB510) (RIAD4470 + RIAD4460)
RCFDG105

0

0

0

0

0

0

0

0

0

0

Common equity tier 1 risk-based capital ratio

RCFAP793

RCOAP793

0

0

0

0

0

0

0

0

=(Tier 1 Capital / RWA) *
100
=(Tier 1 Capital / Total
Assets for Leverage
Purposes) * 100
=(Total Capital / RWA) *
100

34

Tier 1 risk-based capital ratio

35

Tier 1 leverage ratio

=(Tier 1 Capital / RWA) *
100
=(Tier 1 Capital / Total
Assets for Leverage
Purposes) * 100

Total risk-based capital ratio

=(Total Capital / RWA) *
100

36

*Note: All values on this sheet will flow directly from the other schedules.

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

xx/xx/20xx

FDIC DFAST 10-50 - Baseline Scenario
Balance Sheet Schedule for XYZ
CERT #####
(Dollar Amounts in Thousands)
Projected

Actual
Balance Sheet Statement Impacts
Loans (excluding FDIC Loss Sharing Agreements)

031 Call Rpt Item

041 Call Rpt Item

1 First lien mortgages
2 Closed-end junior liens

RCON5367 - RCONK173

RCON5367 - RCONK173

RCON5368 - RCONK174

RCON5368 - RCONK174

3 HELOCs

RCON1797 - RCONK172

RCON1797 - RCONK172

4 C&I loans

RCFD1763 + RCFD1764 RCFDK179
RCONF158 - RCONK169

RCON1766 - RCONK179

6 Other construction loans

RCONF159 - RCONK170

RCONF159 - RCONK170

7 Multifamily loans
8 Non-farm, non-residential owner occupied loans

RCON1460 - RCONK175

RCON1460 - RCONK175

5 1-4 family construction loans

RCONF160 - RCONK176

RCONF160 - RCONK176

RCONF161 - RCONK177

RCONF161 - RCONK177

RCFDB538 - RCFDK180

RCONB538 - RCONK180

11 Automobile loans

RCFDK137 - RCFDK181

RCONK137 - RCONK181

12 Other consumer

RCFDB539 + RCFDK207 RCFDK182
See instructions

RCONB539 + RCONK207 RCONK182
See instructions

14 Loans covered by FDIC loss sharing agreements

Sum of RCONK169 to
RCONK177 and Sum of
RCFDK178 to RCFDK183

Sum of RCONK169 to
RCONK183, excluding
RCONK178

15

RCFD2122

RCON2122

RCFD3123

RCON3123

RCFD0211 + RCFD1289 +
RCFD1294 + RCFDG300 +
RCFDG304 + RCFDG312 +
RCFDG316 + RCFDK142 +
RCFDK150

RCON0211 + RCON1289 +
RCON1294 + RCONG300 +
RCONG304 + RCONG312 +
RCONG316 + RCONK142 +
RCONK150

18 Securities issued by states and political subdivisions of U.S.

RCFD8496

RCON8496

19 Non-agency MBS and ABS securities

RCFDG308 + RCFDG320 + RCONG308 + RCONG320 +
RCFDK146 + RCFDK154 + RCONK146 + RCONK154 +
RCFDC026
RCONC026

20 All other HTM securities

RCFDG336 + RCFDG340 + RCONG336 + RCONG340 +
RCFDG344 + RCFD1737 + RCONG344 + RCON1737 +
RCFD1742
RCON1742

21

RCFD1754

RCON1754

RCFD1287 + RCFD1293 +
RCFD1298 + RCFDG303 +
RCFDG307 + RCFDG315 +
RCFDG319 + RCFDK145 +
RCFDK153

RCON1287 + RCON1293 +
RCON1298 + RCONG303 +
RCONG307 + RCONG315 +
RCONG319 + RCONK145 +
RCONK153

23 Securities issued by states and political subdivisions of U.S.

RCFD8499

RCON8499

24 Non-agency MBS and ABS securities

RCFDG311 + RCFDG323 + RCONG311 + RCONG323 +
RCFDK149 + RCFDK157 + RCONK149 + RCONK157 +
RCFDC027
RCONC027

Total loans and leases (sum of items 1 to 14)

16 Allowance for loan and lease losses
Securities

17 U.S. government obligation and obligations of GSE

Total securities (HTM) (sum of items 17-20)

22 U.S. government obligation and obligations of GSE

25 All other AFS securities

RCFDG339 + RCFDG343 + RCONG339 + RCONG343 +
RCFDG347 + RCFD1741 + RCONG347 + RCON1741 +
RCFD1746 + RCFDA511
RCON1746 + RCONA511

26

RCFD1773

RCON1773

27 Trading assets
28 Total intangible assets

RCFD3545

RCON3545

RCFD3163 + RCFD0426

RCON3163 + RCON0426

29 Other real estate owned
30 All other assets

RCFD2150

RCON2150

See instructions

See instructions

31

RCFD2170

RCON2170

Total securities (AFS) (sum of items 22-25)

Total assets (sum of items 15, 21, 26, 27-30, less item 16)

Q1

Q2

Q3

Q4

Q5

Q6

Q7

Q8

Q9

RCONF158 - RCONK169

9 Non-farm, non-residential other loans
10 Credit cards

13 All other loans and leases

As of 12/31

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

xx/xx/20xx

FDIC DFAST 10-50 - Baseline Scenario
Balance Sheet Schedule for XYZ
CERT #####
(Dollar Amounts in Thousands)
Projected

Actual
Balance Sheet Statement Impacts

031 Call Rpt Item

041 Call Rpt Item

RCON2200 - RCONJ474 RCONJ472 - RCON2343
RCONB993 + RCFDB995 +
RCFD3190 + RCON2343 +
RCONJ472 + RCONJ474 +
RCFN2200

RCON2200 - RCONJ474 RCONJ472 - RCON2343
RCONB993 + RCONB995 +
RCON3190 + RCON2343 +
RCONJ472 + RCONJ474

34 Trading liabilities
35 All other liabilities

RCFD3548

RCON3548

See instructions

See instructions

36

Total liabilities (sum of items 32 to 35)

RCFD2948

RCON2948

37 Perpetual preferred stock and related surplus

RCFD3838

RCON3838

38 Equity capital

RCFD3230 + RCFD3839 +
RCFD3632 + RCFDB530 +
RCFDA130 + RCFD3000

RCON3230 + RCON3839 +
RCON3632 + RCONB530 +
RCONA130 + RCON3000

39

RCFDG105

RCONG105

32 Retail funding

33 Wholesale funding

Total equity capital (sum of items 37 to 38)

Capital
Unrealized gains(losses) on AFS securities

031 Call Rpt Item

041 Call Rpt Item

40

RCFD8434, updated when
schedule is finalized

RCON8434, updated when
schedule is finalized

41 Deferred tax asset

RCFD5610, RCFAP843

RCON5610, RCOAP843

42 Common equity tier 1 capital
43 Tier 1 capital

RCFAP859

RCOAP859

RCFD8274, RCFA8274

RCON8274, RCOA8274

44 Qualifying subordinated debt and redeemable preferred stock
45 Allowance includible in Tier 2 capital

RCFD5306

RCON5306

RCFD5310, RCFA5310

RCON5310, RCOA5310

46 Tier 2 capital
47 Total capital

RCFD5311, RCFA5311

RCON5311, RCOA5311

RCFD3792, RCFA3792

RCON3792, RCOA3792

48 Total bank equity capital
49 Risk-weighted assets

RCFD3210

RCON3210

RCFDA223, RCFAA223

RCONA223, RCOAA223

50 Total assets for leverage purposes

RCFDL138, RCFAA224

RCONL138, RCOAA224

51 Common equity tier 1 risk-based capital ratio

=(Common equity tier 1
capital / RWA) * 100
=(Tier 1 Capital / RWA) *
100
=(Tier 1 Capital / Total
Assets for Leverage
Purposes) * 100

=(Common equity tier 1 capital
/ RWA) * 100
=(Tier 1 Capital / RWA) * 100

52 Tier 1 risk-based capital ratio
53 Tier 1 leverage ratio
54 Total risk-based capital ratio

=(Tier 1 Capital / Total Assets
for Leverage Purposes) * 100

=(Total Capital / RWA) * 100 =(Total Capital / RWA) * 100

Memoranda
55 Sale, conversion, acquisition, or retirement of capital stock
56 Cash dividends declared on preferred stock

RIADB509+RIADB510

RIADB509+RIADB510

RIAD4470

RIAD4470

57 Cash dividends declared on common stock

RIAD4460

RIAD4460

As of 12/31

Q1

0

Q2

0

0

0

Actual

Projected

As of 9/30

As of 12/31

Q3

Q4

Q5

Q6

0

0

0

0

0

0

0

0

Year 1: 2016 -- Projected (in the quarter)
Q1

Q2

Q3

Q7

Q8

Q9

0

0

0

0

0

0

0

0

Year 2: 2017 -- Projected (in the quarter)

Q4

Q5

Q6

Q7

Q8

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

xx/xx/20xx

FDIC DFAST 10-50 - Adverse Scenario
Income Statement for XYZ
CERT #####
(Dollar Amounts in Thousands)
Projected

Actual
Income Statement Impacts

031 Call Rpt Item

041 Call Rpt Item

As of 12/31

Q1

Q2

Q3

Q4

Q5

Q6

Q7

Q8

Q9

Net Charge-Offs
1

First lien mortgages

RIADC234 - RIADC217

RIADC234 - RIADC217

2

Closed-end junior liens

RIADC235 - RIADC218

RIADC235 - RIADC218

3

HELOCs

RIAD5411 - RIAD5412

RIAD5411 - RIAD5412

C&I loans

(RIAD4645 + RIAD4646) (RIAD4617 + RIAD4618)

RIAD4638 - RIAD4608

4
5

1-4 family construction loans

RIADC891 - RIADC892

RIADC891 - RIADC892

6

Other construction loans

RIADC893 - RIADC894

RIADC893 - RIADC894

7

Multifamily loans

RIAD3588 - RIAD3589

RIAD3588 - RIAD3589

8

Non-farm, non-residential owner occupied loans

RIADC895 - RIADC896

RIADC895 - RIADC896

9

Non-farm, non-residential other loans

RIADC897 - RIADC898

RIADC897 - RIADC898

10

Credit cards

RIADB514 - RIADB515

RIADB514 - RIADB515

11

Automobile loans

RIADK129 - RIADK133

RIADK129 - RIADK133

12

Other consumer

RIADK205 - RIADK206

RIADK205 - RIADK206

13

All other loans and leases

See instructions

See instructions

RIAD4635 - RIAD4605

RIAD4635 - RIAD4605

14

Total loan and lease net charge offs (sum of items 1 to 13)

15

Net interest income

RIAD4074

RIAD4074

16

Non-interest income

RIAD4079

RIAD4079

17

Non-interest expense

RIAD4093

RIAD4093

18

Pre-provision net revenue ( = item 15 + item 16 - item 17)

19

Provision for loan and lease losses

RIAD4230

RIAD4230

20

Realized gains (losses) on HTM securities

RIAD3521

RIAD3521

21

Realized gains (losses) on AFS securities

RIAD3196

RIAD3196

22

All other gains (losses)

See instructions

See instructions

23

Taxes

RIAD4302

RIAD4302

RIAD4340

RIAD4340

RIADJ319

RIADJ319

24

25

Net income (item 18 - item 19 + item 20 + item 21 + item 22 item 23)

Memoranda
Total other-than-temporary impairment (OTTI) losses

Itemize and describe amounts greater than 15% of non-interest income (item 16)
26
27
28
29
30
31
Itemize and describe amounts greater than 15% of non-interest expense (item 17)
32
33
34
35
36
37
Itemize and describe amounts greater than 15% of all other gains (losses) (item 22)
38
39
40
41
42
43

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

xx/xx/20xx

FDIC DFAST 10-50 - Adverse Scenario
Balance Sheet Schedule for XYZ
CERT #####
(Dollar Amounts in Thousands)
Projected

Actual
Balance Sheet Statement Impacts
Loans (excluding FDIC Loss Sharing Agreements)

031 Call Rpt Item

041 Call Rpt Item

1 First lien mortgages
2 Closed-end junior liens

RCON5367 - RCONK173

RCON5367 - RCONK173

RCON5368 - RCONK174

RCON5368 - RCONK174

3 HELOCs

RCON1797 - RCONK172

RCON1797 - RCONK172

4 C&I loans

RCFD1763 + RCFD1764 RCFDK179
RCONF158 - RCONK169

RCON1766 - RCONK179

6 Other construction loans

RCONF159 - RCONK170

RCONF159 - RCONK170

7 Multifamily loans
8 Non-farm, non-residential owner occupied loans

RCON1460 - RCONK175

RCON1460 - RCONK175

5 1-4 family construction loans

RCONF160 - RCONK176

RCONF160 - RCONK176

RCONF161 - RCONK177

RCONF161 - RCONK177

RCFDB538 - RCFDK180

RCONB538 - RCONK180

11 Automobile loans

RCFDK137 - RCFDK181

RCONK137 - RCONK181

12 Other consumer

RCFDB539 + RCFDK207 - RCONB539 + RCONK207 RCFDK182
RCONK182
See instructions
See instructions

14 Loans covered by FDIC loss sharing agreements
15

Total loans and leases (sum of items 1 to 14)

16 Allowance for loan and lease losses
Securities

17 U.S. government obligation and obligations of GSE

18 Securities issued by states and political subdivisions of U.S.
19 Non-agency MBS and ABS securities

20 All other HTM securities
21

Total securities (HTM) (sum of items 17-20)

22 U.S. government obligation and obligations of GSE

23 Securities issued by states and political subdivisions of U.S.
24 Non-agency MBS and ABS securities

25 All other AFS securities
26

Total securities (AFS) (sum of items 22-25)

Sum of RCONK169 to
RCONK177 and Sum of
RCFDK178 to RCFDK183
RCFD2122

Sum of RCONK169 to
RCONK183, excluding
RCONK178
RCON2122

RCFD3123

RCON3123

RCFD0211 + RCFD1289 +
RCFD1294 + RCFDG300
+ RCFDG304 +
RCFDG312 + RCFDG316
+ RCFDK142 + RCFDK150

RCON0211 + RCON1289 +
RCON1294 + RCONG300 +
RCONG304 + RCONG312 +
RCONG316 + RCONK142 +
RCONK150

RCFD8496

RCON8496

RCFDG308 + RCFDG320
+ RCFDK146 +
RCFDK154 + RCFDC026
RCFDG336 + RCFDG340
+ RCFDG344 +
RCFD1737 + RCFD1742
RCFD1754

RCONG308 + RCONG320 +
RCONK146 + RCONK154 +
RCONC026
RCONG336 + RCONG340 +
RCONG344 + RCON1737 +
RCON1742
RCON1754

RCFD1287 + RCFD1293 +
RCFD1298 + RCFDG303
+ RCFDG307 +
RCFDG315 + RCFDG319
+ RCFDK145 + RCFDK153

RCON1287 + RCON1293 +
RCON1298 + RCONG303 +
RCONG307 + RCONG315 +
RCONG319 + RCONK145 +
RCONK153

RCFD8499

RCON8499

RCFDG311 + RCFDG323
+ RCFDK149 +
RCFDK157 + RCFDC027
RCFDG339 + RCFDG343
+ RCFDG347 +
RCFD1741 + RCFD1746 +
RCFDA511

RCONG311 + RCONG323 +
RCONK149 + RCONK157 +
RCONC027
RCONG339 + RCONG343 +
RCONG347 + RCON1741 +
RCON1746 + RCONA511

RCFD1773

RCON1773

27 Trading assets
28 Total intangible assets

RCFD3545

RCON3545

RCFD3163 + RCFD0426

RCON3163 + RCON0426

29 Other real estate owned
30 All other assets

RCFD2150

RCON2150

See instructions

See instructions

31

RCFD2170

RCON2170

Total assets (sum of items 15, 21, 26, 27-30, less item 16)

Q1

Q2

Q3

Q4

Q5

Q6

Q7

Q8

Q9

RCONF158 - RCONK169

9 Non-farm, non-residential other loans
10 Credit cards

13 All other loans and leases

As of 12/31

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

xx/xx/20xx

FDIC DFAST 10-50 - Adverse Scenario
Balance Sheet Schedule for XYZ
CERT #####
(Dollar Amounts in Thousands)
Projected

Actual
Balance Sheet Statement Impacts

031 Call Rpt Item

041 Call Rpt Item

RCON2200 - RCONJ474 RCONJ472 - RCON2343
RCONB993 + RCFDB995
+ RCFD3190 + RCON2343
+ RCONJ472 +
RCONJ474 + RCFN2200

RCON2200 - RCONJ474 RCONJ472 - RCON2343
RCONB993 + RCONB995 +
RCON3190 + RCON2343 +
RCONJ472 + RCONJ474

34 Trading liabilities
35 All other liabilities

RCFD3548

RCON3548

See instructions

See instructions

36

Total liabilities (sum of items 32 to 35)

RCFD2948

RCON2948

37 Perpetual preferred stock and related surplus

RCFD3838

RCON3838

38 Equity capital

RCFD3230 + RCFD3839 + RCON3230 + RCON3839 +
RCFD3632 + RCFDB530 + RCON3632 + RCONB530 +
RCFDA130 + RCFD3000
RCONA130 + RCON3000

39

RCFDG105

32 Retail funding

33 Wholesale funding

Total equity capital (sum of items 37 to 38)

Capital
Unrealized gains(losses) on AFS securities

031 Call Rpt Item

041 Call Rpt Item

RCFD8434, updated when
schedule is finalized

RCON8434, updated when
schedule is finalized

41 Deferred tax asset

RCFD5610, RCFAP843

RCON5610, RCOAP843

42 Common equity tier 1 capital
43 Tier 1 capital

RCFAP859

RCOAP859

RCFD8274, RCFA8274

RCON8274, RCOA8274

44 Qualifying subordinated debt and redeemable preferred stock
45 Allowance includible in Tier 2 capital

RCFD5306

RCON5306

RCFD5310, RCFA5310

RCON5310, RCOA5310

46 Tier 2 capital
47 Total capital

RCFD5311, RCFA5311

RCON5311, RCOA5311

RCFD3792, RCFA3792

RCON3792, RCOA3792

48 Total bank equity capital
49 Risk-weighted assets

RCFD3210

RCON3210

RCFDA223, RCFAA223

RCONA223, RCOAA223

50 Total assets for leverage purposes

RCFDL138, RCFAA224

RCONL138, RCOAA224

51 Common equity tier 1 risk-based capital ratio

=(Common equity tier 1
capital / RWA) * 100
=(Tier 1 Capital / RWA) *
100
=(Tier 1 Capital / Total
Assets for Leverage
Purposes) * 100
=(Total Capital / RWA) *
100

=(Common equity tier 1
capital / RWA) * 100
=(Tier 1 Capital / RWA) * 100

Memoranda
55 Sale, conversion, acquisition, or retirement of capital stock
56 Cash dividends declared on preferred stock

RIADB509+RIADB510

RIADB509+RIADB510

RIAD4470

RIAD4470

57 Cash dividends declared on common stock

RIAD4460

RIAD4460

53 Tier 1 leverage ratio
54 Total risk-based capital ratio

=(Tier 1 Capital / Total Assets
for Leverage Purposes) * 100
=(Total Capital / RWA) * 100

Q1

0

RCONG105

40

52 Tier 1 risk-based capital ratio

As of 12/31

Q2

0

0

0

Actual

Projected

As of 9/30

As of 12/31

Q3

Q4

Q5

Q6

0

0

0

0

0

0

0

0

Year 1: 2016 -- Projected (in the quarter)
Q1

Q2

Q3

Q7

Q8

Q9

0

0

0

0

0

0

0

0

Year 2: 2017 -- Projected (in the quarter)

Q4

Q5

Q6

Q7

Q8

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

xx/xx/20xx

FDIC DFAST 10-50 - Severely Adverse Scenario
Income Statement for XYZ
CERT #####
(Dollar Amounts in Thousands)
Projected

Actual
Income Statement Impacts

031 Call Rpt Item

041 Call Rpt Item

As of 12/31

Q1

Q2

Q3

Q4

Q5

Q6

Q7

Q8

Q9

Net Charge-Offs
1

First lien mortgages

RIADC234 - RIADC217

RIADC234 - RIADC217

2

Closed-end junior liens

RIADC235 - RIADC218

RIADC235 - RIADC218

3

HELOCs

RIAD5411 - RIAD5412

RIAD5411 - RIAD5412

C&I loans

(RIAD4645 + RIAD4646) (RIAD4617 + RIAD4618)

RIAD4638 - RIAD4608

4
5

1-4 family construction loans

RIADC891 - RIADC892

RIADC891 - RIADC892

6

Other construction loans

RIADC893 - RIADC894

RIADC893 - RIADC894

7

Multifamily loans

RIAD3588 - RIAD3589

RIAD3588 - RIAD3589

8

Non-farm, non-residential owner occupied loans

RIADC895 - RIADC896

RIADC895 - RIADC896

9

Non-farm, non-residential other loans

RIADC897 - RIADC898

RIADC897 - RIADC898

10

Credit cards

RIADB514 - RIADB515

RIADB514 - RIADB515

11

Automobile loans

RIADK129 - RIADK133

RIADK129 - RIADK133

12

Other consumer

RIADK205 - RIADK206

RIADK205 - RIADK206

13

All other loans and leases
Total loan and lease net charge offs (sum of items 1 to

See instructions

See instructions

RIAD4635 - RIAD4605

RIAD4635 - RIAD4605

14
15

Net interest income

RIAD4074

RIAD4074

16

Non-interest income

RIAD4079

RIAD4079

17

Non-interest expense

RIAD4093

RIAD4093

19

Provision for loan and lease losses

RIAD4230

RIAD4230

20

Realized gains (losses) on HTM securities

RIAD3521

RIAD3521

21

Realized gains (losses) on AFS securities

RIAD3196

RIAD3196

22

All other gains (losses)

See instructions

See instructions

23

Taxes

RIAD4302

RIAD4302

RIAD4340

RIAD4340

RIADJ319

RIADJ319

18

24

25

Pre-provision net revenue ( = item 15 + item 16 - item 17)

Net income (item 18 - item 19 + item 20 + item 21 + item 22 item 23)

Memoranda
Total other-than-temporary impairment (OTTI) losses

Itemize and describe amounts greater than 15% of non-interest income (item 16)
26
27
28
29
30
31
Itemize and describe amounts greater than 15% of non-interest expense (item 17)
32
33
34
35
36
37
Itemize and describe amounts greater than 15% of all other gains (losses) (item 22)
38
39
40
41
42
43

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

13)

xx/xx/20xx

FDIC DFAST 10-50 - Severely Adverse Scenario
Balance Sheet Schedule for XYZ
CERT #####
(Dollar Amounts in Thousands)
Projected

Actual
Balance Sheet Statement Impacts
Loans (excluding FDIC Loss Sharing Agreements)

031 Call Rpt Item

041 Call Rpt Item

1 First lien mortgages
2 Closed-end junior liens

RCON5367 - RCONK173

RCON5367 - RCONK173

RCON5368 - RCONK174

RCON5368 - RCONK174

3 HELOCs

RCON1797 - RCONK172

RCON1797 - RCONK172

4 C&I loans

RCFD1763 + RCFD1764 RCFDK179
RCONF158 - RCONK169

RCON1766 - RCONK179

6 Other construction loans

RCONF159 - RCONK170

RCONF159 - RCONK170

7 Multifamily loans
8 Non-farm, non-residential owner occupied loans

RCON1460 - RCONK175

RCON1460 - RCONK175

5 1-4 family construction loans

RCONF160 - RCONK176

RCONF160 - RCONK176

RCONF161 - RCONK177

RCONF161 - RCONK177

RCFDB538 - RCFDK180

RCONB538 - RCONK180

11 Automobile loans

RCFDK137 - RCFDK181

RCONK137 - RCONK181

12 Other consumer

RCFDB539 + RCFDK207 RCFDK182
See instructions

RCONB539 + RCONK207 RCONK182
See instructions

14 Loans covered by FDIC loss sharing agreements

Sum of RCONK169 to
RCONK177 and Sum of
RCFDK178 to RCFDK183

Sum of RCONK169 to
RCONK183, excluding
RCONK178

15

RCFD2122

RCON2122

RCFD3123

RCON3123

RCFD0211 + RCFD1289 +
RCFD1294 + RCFDG300 +
RCFDG304 + RCFDG312
+ RCFDG316 +
RCFDK142 + RCFDK150

RCON0211 + RCON1289 +
RCON1294 + RCONG300 +
RCONG304 + RCONG312 +
RCONG316 + RCONK142 +
RCONK150

18 Securities issued by states and political subdivisions of U.S.

RCFD8496

RCON8496

19 Non-agency MBS and ABS securities

RCFDG308 + RCFDG320 RCONG308 + RCONG320 +
+ RCFDK146 + RCFDK154 RCONK146 + RCONK154 +
+ RCFDC026
RCONC026

20 All other HTM securities

RCFDG336 + RCFDG340 RCONG336 + RCONG340 +
+ RCFDG344 + RCFD1737 RCONG344 + RCON1737 +
+ RCFD1742
RCON1742

21

RCFD1754

RCON1754

RCFD1287 + RCFD1293 +
RCFD1298 + RCFDG303 +
RCFDG307 + RCFDG315
+ RCFDG319 +
RCFDK145 + RCFDK153

RCON1287 + RCON1293 +
RCON1298 + RCONG303 +
RCONG307 + RCONG315 +
RCONG319 + RCONK145 +
RCONK153

23 Securities issued by states and political subdivisions of U.S.

RCFD8499

RCON8499

24 Non-agency MBS and ABS securities

RCFDG311 + RCFDG323 RCONG311 + RCONG323 +
+ RCFDK149 + RCFDK157 RCONK149 + RCONK157 +
+ RCFDC027
RCONC027

Total loans and leases (sum of items 1 to 14)

16 Allowance for loan and lease losses
Securities

17 U.S. government obligation and obligations of GSE

Total securities (HTM) (sum of items 17-20)

22 U.S. government obligation and obligations of GSE

25 All other AFS securities

RCFDG339 + RCFDG343 RCONG339 + RCONG343 +
+ RCFDG347 + RCFD1741 RCONG347 + RCON1741 +
+ RCFD1746 + RCFDA511 RCON1746 + RCONA511

26

RCFD1773

RCON1773

27 Trading assets
28 Total intangible assets

RCFD3545

RCON3545

RCFD3163 + RCFD0426

RCON3163 + RCON0426

29 Other real estate owned
30 All other assets

RCFD2150

RCON2150

See instructions

See instructions

31

RCFD2170

RCON2170

Total securities (AFS) (sum of items 22-25)

Total assets (sum of items 15, 21, 26, 27-30, less item 16)

Q1

Q2

Q3

Q4

Q5

Q6

Q7

Q8

Q9

RCONF158 - RCONK169

9 Non-farm, non-residential other loans
10 Credit cards

13 All other loans and leases

As of 12/31

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

xx/xx/20xx

FDIC DFAST 10-50 - Severely Adverse Scenario
Balance Sheet Schedule for XYZ
CERT #####
(Dollar Amounts in Thousands)
Projected

Actual
031 Call Rpt Item

041 Call Rpt Item

RCON2200 - RCONJ474 RCONJ472 - RCON2343
RCONB993 + RCFDB995
+ RCFD3190 + RCON2343
+ RCONJ472 + RCONJ474
+ RCFN2200

RCON2200 - RCONJ474 RCONJ472 - RCON2343
RCONB993 + RCONB995 +
RCON3190 + RCON2343 +
RCONJ472 + RCONJ474

34 Trading liabilities
35 All other liabilities

RCFD3548

RCON3548

See instructions

See instructions

36

Total liabilities (sum of items 32 to 35)

RCFD2948

RCON2948

37 Perpetual preferred stock and related surplus

RCFD3838

RCON3838

38 Equity capital

RCFD3230 + RCFD3839 + RCON3230 + RCON3839 +
RCFD3632 + RCFDB530 + RCON3632 + RCONB530 +
RCFDA130 + RCFD3000
RCONA130 + RCON3000

39

RCFDG105

Balance Sheet Statement Impacts
32 Retail funding

33 Wholesale funding

Total equity capital (sum of items 37 to 38)

Capital
Unrealized gains(losses) on AFS securities

031 Call Rpt Item

041 Call Rpt Item

RCFD8434, updated when
schedule is finalized

RCON8434, updated when
schedule is finalized

41 Deferred tax asset

RCFD5610, RCFAP843

RCON5610, RCOAP843

42 Common equity tier 1 capital
43 Tier 1 capital

RCFAP859

RCOAP859

RCFD8274, RCFA8274

RCON8274, RCOA8274

44 Qualifying subordinated debt and redeemable preferred stock
45 Allowance includible in Tier 2 capital

RCFD5306

RCON5306

RCFD5310, RCFA5310

RCON5310, RCOA5310

46 Tier 2 capital
47 Total capital

RCFD5311, RCFA5311

RCON5311, RCOA5311

RCFD3792, RCFA3792

RCON3792, RCOA3792

48 Total bank equity capital
49 Risk-weighted assets

RCFD3210

RCON3210

RCFDA223, RCFAA223

RCONA223, RCOAA223

50 Total assets for leverage purposes

RCFDL138, RCFAA224

RCONL138, RCOAA224

51 Common equity tier 1 risk-based capital ratio

=(Common equity tier 1
capital / RWA) * 100
=(Tier 1 Capital / RWA) *
100
=(Tier 1 Capital / Total
Assets for Leverage
Purposes) * 100

=(Common equity tier 1
capital / RWA) * 100
=(Tier 1 Capital / RWA) *
100
=(Tier 1 Capital / Total
Assets for Leverage
Purposes) * 100

54 Total risk-based capital ratio

=(Total Capital / RWA) *
100

=(Total Capital / RWA) * 100

Memoranda
55 Sale, conversion, acquisition, or retirement of capital stock
56 Cash dividends declared on preferred stock

RIADB509+RIADB510

RIADB509+RIADB510

RIAD4470

RIAD4470

57 Cash dividends declared on common stock

RIAD4460

RIAD4460

52 Tier 1 risk-based capital ratio

Q1

0

RCONG105

40

53 Tier 1 leverage ratio

As of 12/31

Q2

0

0

0

Actual

Projected

As of 9/30

As of 12/31

Q3

Q4

Q5

Q6

0

0

0

0

0

0

0

0

Year 1: 2016 -- Projected (in the quarter)
Q1

Q2

Q3

Q7

Q8

Q9

0

0

0

0

0

0

0

0

Year 2: 2017 -- Projected (in the quarter)

Q4

Q5

Q6

Q7

Q8

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!