Form FR Y-16 FR Y-16 Annual Company-Run Stress Test Report for $10-50 Billion

FR Y-16
OMB Number 7100-0356
Approval expires November 30, 2017
Page 1 of 18

RESULTS SCHEDULE COVER SHEET

Board of Governors of the Federal Reserve System

Annual Company-Run Stress Test Report For SMBs, BHCs,
and SLHCs with Total Consolidated Assets Greater Than
$10 Billion and Less Than $50 Billion—FR Y-16
Report at the close of business March 31 of each calendar year.
This report is required by law: Section 165(i)(2) of the DoddFrank Wall Street Reform and Consumer Protection Act (12
U.S.C. § 5365(i)(2)).

Institutions are expected to complete income statement and balance sheet schedules for each required scenario — Baseline,
Adverse, and Severely Adverse.

This report form is to be filed by SMBs, BHCs, and SLHCs that meet
a threshold of greater than $10 billion but less than $50 billion in
total consolidated assets, as defined by 12 C.F.R. part 252, subpart H. The Federal Reserve 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.

Please note that unlike Call Report and FR Y-9C reporting, all
projected income statement figures should be reported on a
quarterly basis (in the quarter), and not on a cumulative basis.

All FR Y-16 respondents should submit their completed report via
the Federal Reserve System's Reporting Central Application.
https://www.frbservices.org/centralbank/reportingcentral/index.html
Person to whom inquiries regarding this report may be directed:

Name / Title (CSTX 8901)
Area Code / Phone Number (CSTX 8902)

Area Code / FAX Number (CSTX 9116)

E-mail Address (CSTX 4086)

Public reporting burden for this information collection is estimated to average 469 hours per response, including time to gather and maintain data in the required form and to review instructions and complete the information collection. Comments regarding this burden estimate or any other aspect of this information collection, including suggestions for reducing the burden,
may be sent to Secretary, Board of Governors of the Federal Reserve System, 20th and C Streets, NW, Washington, DC 20551, and to the Office of Management and Budget, Paperwork
Reduction Project (7100-0356), Washington, DC 20503.

11/2014

Summary Schedule

FR Y-16
Page 2 of 18

FRB RSSD ID:

Institution Name:
Dollar Amounts in Thousands
Scenario Summaries
Baseline Scenario (CSPTP006)
1. Total loan and lease net charge-offs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

FR Y-9C Report Item

FFIEC 031
Call Report Item

FFIEC 041
Call Report Item

Actual
As of 9/30

PQ1

BHCK4635 - BHCK4605

RIAD4635 - RIAD4605

RIAD4635 - RIAD4605

CSATN206

CSPTN206

2. Pre-provision net revenue . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
3. Net Income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
4. Allowance for loan and lease losses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
5. Total assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
6. Total liabilities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

BHCK4074 + BHCK4079 BHCK4093
BHCK4340
BHCK3123
BHCK2170
BHCK2948

RIAD4074 + RIAD4079 RIAD4093
RIAD4340
RCFD3123
RCFD2170
RCFD2948

RIAD4074 + RIAD4079 RIAD4093
RIAD4340
RCON3123
RCON2170
RCON2948

CSATN207
CSAT4340
CSAT3123
CSAT2170
CSAT2948

CSPTN207
CSPT4340
CSPT3123
CSPT2170
CSPT2948

7. Dividends; share repurchases; and sale,
conversion, acquisition, or retirement of capital . . . . . . . . . . . . . . . . . . . . . . .
8. Total equity capital. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

See instructions
BHCKG105

(RIADB509 + RIADB510) (RIAD4470 + RIAD4460)
RCFDG105

(RIADB509 + RIADB510) (RIAD4470 + RIAD4460)
RCONG105

CSATN260
CSATG105

CSPTN260
CSPTG105

= (Common Equity Tier 1
Capital / RWA) * 100
= (Tier 1 Capital / RWA) * 100

= (Common Equity Tier 1
Capital / RWA) * 100
= (Tier 1 Capital / RWA) * 100

= (Common Equity Tier 1
Capital / RWA) * 100
CSATP793
= (Tier 1 Capital / RWA) * 100 CSAT7206

CSPTP793
CSPT7206

= (Tier 1 Capital / Total Assets = (Tier 1 Capital / Total Assets = (Tier 1 Capital / Total Assets
for Leverage Purposes) * 100 for Leverage Purposes) * 100 for Leverage Purposes) * 100 CSAT7204
= (Total Capital / RWA) * 100 = (Total Capital / RWA) * 100 = (Total Capital / RWA) * 100 CSAT7205

CSPT7204
CSPT7205

BHCK4635 - BHCK4605

RIAD4635 - RIAD4605

RIAD4635 - RIAD4605

CSATN206

CSPTN206

14. Pre-provision net revenue . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
15. Net Income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
16. Allowance for loan and lease losses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
17. Total assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
18. Total liabilities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

BHCK4074 + BHCK4079 BHCK4093
BHCK4340
BHCK3123
BHCK2170
BHCK2948

RIAD4074 + RIAD4079 RIAD4093
RIAD4340
RCFD3123
RCFD2170
RCFD2948

RIAD4074 + RIAD4079 RIAD4093
RIAD4340
RCON3123
RCON2170
RCON2948

CSATN207
CSAT4340
CSAT3123
CSAT2170
CSAT2948

CSPTN207
CSPT4340
CSPT3123
CSPT2170
CSPT2948

19. Dividends; share repurchases; and sale,
conversion, acquisition, or retirement of capital . . . . . . . . . . . . . . . . . . . . . . .
20. Total equity capital. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

See instructions
BHCKG105

(RIADB509 + RIADB510) (RIAD4470 + RIAD4460)
RCFDG105

(RIADB509 + RIADB510) (RIAD4470 + RIAD4460)
RCONG105

CSATN260
CSATG105

CSPTN260
CSPTG105

21. Common equity tier 1 risk-based capital ratio . . . . . . . . . . . . . . . . . . . . . . . . .
22. Tier 1 risk-based capital ratio . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

= (Common Equity Tier 1
Capital / RWA) * 100
= (Tier 1 Capital / RWA) * 100

= (Common Equity Tier 1
Capital / RWA) * 100
= (Tier 1 Capital / RWA) * 100

= (Common Equity Tier 1
Capital / RWA) * 100
CSATP793
= (Tier 1 Capital / RWA) * 100 CSAT7206

CSPTP793
CSPT7206

= (Tier 1 Capital / Total Assets = (Tier 1 Capital / Total Assets = (Tier 1 Capital / Total Assets
for Leverage Purposes) * 100 for Leverage Purposes) * 100 for Leverage Purposes) * 100 CSAT7204
= (Total Capital / RWA) * 100 = (Total Capital / RWA) * 100 = (Total Capital / RWA) * 100 CSAT7205

CSPT7204
CSPT7205

BHCK4635 - BHCK4605

RIAD4635 - RIAD4605

RIAD4635 - RIAD4605

CSATN206

CSPTN206

26. Pre-provision net revenue . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
27. Net Income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
28. Allowance for loan and lease losses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
29. Total assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
30. Total liabilities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

BHCK4074 + BHCK4079 BHCK4093
BHCK4340
BHCK3123
BHCK2170
BHCK2948

RIAD4074 + RIAD4079 RIAD4093
RIAD4340
RCFD3123
RCFD2170
RCFD2948

RIAD4074 + RIAD4079 RIAD4093
RIAD4340
RCON3123
RCON2170
RCON2948

CSATN207
CSAT4340
CSAT3123
CSAT2170
CSAT2948

CSPTN207
CSPT4340
CSPT3123
CSPT2170
CSPT2948

31. Dividends; share repurchases; and sale,
conversion, acquisition, or retirement of capital . . . . . . . . . . . . . . . . . . . . . . .
32. Total equity capital. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

See instructions
BHCKG105

(RIADB509 + RIADB510) (RIAD4470 + RIAD4460)
RCFDG105

(RIADB509 + RIADB510) (RIAD4470 + RIAD4460)
RCONG105

CSATN260
CSATG105

CSPTN260
CSPTG105

33. Common equity tier 1 risk-based capital ratio . . . . . . . . . . . . . . . . . . . . . . . . .
34. Tier 1 risk-based capital ratio . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

= (Common Equity Tier 1
Capital / RWA) * 100
= (Tier 1 Capital / RWA) * 100

= (Common Equity Tier 1
Capital / RWA) * 100
= (Tier 1 Capital / RWA) * 100

= (Common Equity Tier 1
Capital / RWA) * 100
CSATP793
= (Tier 1 Capital / RWA) * 100 CSAT7206

CSPTP793
CSPT7206

35. Tier 1 leverage ratio . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
36. Total risk-based capital ratio . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

= (Tier 1 Capital / Total Assets = (Tier 1 Capital / Total Assets = (Tier 1 Capital / Total Assets
for Leverage Purposes) * 100 for Leverage Purposes) * 100 for Leverage Purposes) * 100 CSAT7204
= (Total Capital / RWA) * 100 = (Total Capital / RWA) * 100 = (Total Capital / RWA) * 100 CSAT7205

CSPT7204
CSPT7205

9. Common equity tier 1 risk-based capital ratio . . . . . . . . . . . . . . . . . . . . . . . . .
10. Tier 1 risk-based capital ratio . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
11. Tier 1 leverage ratio . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
12. Total risk-based capital ratio . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Adverse Scenario (CSPTP006)
13. Total loan and lease net charge-offs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

23. Tier 1 leverage ratio . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
24. Total risk-based capital ratio . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Severely Adverse Scenario (CSPTP006)
25. Total loan and lease net charge-offs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

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

PQ2

PQ3

Projected (CSPTP009)
PQ4
PQ5

PQ6

PQ7

PQ8

PQ9

11/2014

Baseline Scenario—Income Statement (CSPTP006)

FR Y-16
Page 3 of 18

FRB RSSD ID:

Institution Name:
Dollar Amounts in Thousands
Income Statement Impacts
Net Charge-Offs
1. First lien mortgages. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
2. Closed-end junior liens . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
3. HELOCs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Actual
As of 9/30

FR Y-9C Report Item

FFIEC 031
Call Report Item

FFIEC 041
Call Report Item

BHCKC234 - BHCKC217
BHCKC235 - BHCKC218
BHCK5411 - BHCK5412

RIADC234 - RIADC217
RIADC235 - RIADC218
RIAD5411 - RIAD5412

RIADC234 - RIADC217
RIADC235 - RIADC218
RIAD5411 - RIAD5412

CSATN193
CSATN194
CSATN195

CSPTN193
CSPTN194
CSPTN195

(RIAD4645 + RIAD4646) (RIAD4617 + RIAD4618)
RIADC891 - RIADC892
RIADC893 - RIADC894
RIAD3588 - RIAD3589
RIADC895 - RIADC896
RIADC897 - RIADC898
RIADB514 - RIADB515
RIADK129 - RIADK133
RIADK205 - RIADK206
See Instructions
RIAD4635 - RIAD4605
RIAD4074
RIAD4079
RIAD4093

RIAD4638 - RIAD4608
RIADC891 - RIADC892
RIADC893 - RIADC894
RIAD3588 - RIAD3589
RIADC895 - RIADC896
RIADC897 - RIADC898
RIADB514 - RIADB515
RIADK129 - RIADK133
RIADK205 - RIADK206
See Instructions
RIAD4635 - RIAD4605
RIAD4074
RIAD4079
RIAD4093

RIAD4230
RIAD3521
RIAD3196
See Instructions
RIAD4302
RIAD4340

RIAD4230
RIAD3521
RIAD3196
See Instructions
RIAD4302
RIAD4340

CSATN196
CSATN197
CSATN198
CSATN199
CSATN200
CSATN201
CSATN202
CSATN203
CSATN204
CSATN205
CSATN206
CSAT4074
CSAT4079
CSAT4093
CSATN207
CSAT4230
CSAT3521
CSAT3196
CSATN208
CSAT4302
CSAT4340

CSPTN196
CSPTN197
CSPTN198
CSPTN199
CSPTN200
CSPTN201
CSPTN202
CSPTN203
CSPTN204
CSPTN205
CSPTN206
CSPT4074
CSPT4079
CSPT4093
CSPTN207
CSPT4230
CSPT3521
CSPT3196
CSPTN208
CSPT4302
CSPT4340

RIADJ319

RIADJ319

CSATJ319

CSPTJ319

CSA1N210
CSA2N210
CSA3N210
CSA4N210
CSA5N210
CSA6N210

CSP1N210
CSP2N210
CSP3N210
CSP4N210
CSP5N210
CSP6N210

CSA1N211
CSA2N211
CSA3N211
CSA4N211
CSA5N211
CSA6N211

CSP1N211
CSP2N211
CSP3N211
CSP4N211
CSP5N211
CSP6N211

CSA1N212
CSA2N212
CSA3N212
CSA4N212
CSA5N212
CSA6N212

CSP1N212
CSP2N212
CSP3N212
CSP4N212
CSP5N212
CSP6N212

(BHCK4645 + BHCK4646) 4. C & I Loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . (BHCK4617 + BHCK4618)
5. 1– 4 family construction loans. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCKC891 - BHCKC892
6. Other construction loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCKC893 - BHCKC894
7. Multifamily loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCK3588 - BHCK3589
8. Non-farm, non-residential owner occupied loans. . . . . . . . . . . . . . . . . . . . . . BHCKC895 - BHCKC896
9. Non-farm, non-residential other loans. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCKC897 - BHCKC898
10. Credit cards . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCKB514 - BHCKB515
11. Automobile loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCKK129 - BHCKK133
12. Other consumer loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCKK205 - BHCKK206
13. All other loans and leases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . See Instructions
14. Total loan and lease net charge offs (sum of items 1 through 13) . . BHCK4635 - BHCK4605
15. Net interest income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCK4074
16. Non-interest income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCK4079
17. Non-interest expense . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCK4093
18. Pre-provision net revenue (sum of items 15 and 16, less item 17) . .
19. Provision for loan and lease losses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCK4230
20. Realized gains (losses) on HTM securities. . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCK3521
21. Realized gains (losses) on AFS securities . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCK3196
22. All other gains (losses) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . See Instructions
23. Taxes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCK4302
24. Net Income (sum of items 18, 20, 21, and 22, less items 19 and 23) . . BHCK4340
Memoranda
25. Total other-than-temporary impairment (OTTI) losses . . . . . . . . . . . . . . . . BHCKJ319
Itemize and describe amounts greater than 15 percent of non-interest income (item 16).
26. CST1N210
27. CST2N210
28. CST3N210
29. CST4N210
30. CST5N210
31. CST6N210
Itemize and describe amounts greater than 15 percent of non-interest expense (item 17).
32. CST1N211
33. CST2N211
34. CST3N211
35. CST4N211
36. CST5N211
37. CST6N211
Itemize and describe amounts greater than 15 percent of all other gains (losses) (item 22).
38. CST1N212
39. CST2N212
40. CST3N212
41. CST4N212
42. CST5N212
43. CST6N212

PQ1

PQ2

PQ3

Projected (CSPTP009)
PQ4
PQ5

PQ6

PQ7

PQ8

PQ9

09/2013

Baseline Scenario—Balance Sheet Statement (CSPTP006)

FR Y-16
Page 4 of 18

FRB RSSD ID:

Institution Name:
Dollar Amounts in Thousands

FR Y-9C Report Item

FFIEC 031
Call Report Item

FFIEC 041
Call Report Item

Actual
As of 9/30

PQ1

Balance Sheet Statement Impacts
Loans (excluding FDIC Loss Sharing Agreements)
1. First lien mortgages. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
2. Closed-end junior liens . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
3. HELOCs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

BHDM5367 - BHDMK173
BHDM5368 - BHDMK174
BHDM1797 - BHDMK172

RCON5367 - RCONK173
RCON5368 - RCONK174
RCON1797 - RCONK172

RCON5367 - RCONK173
RCON5368 - RCONK174
RCON1797 - RCONK172

CSATN213
CSATN214
CSATN215

CSPTN213
CSPTN214
CSPTN215

4. C & I Loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
5. 1– 4 family construction loans. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
6. Other construction loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
7. Multifamily loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
8. Non-farm, non-residential owner occupied loans. . . . . . . . . . . . . . . . . . . . . .
9. Non-farm, non-residential other loans. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
10. Credit cards . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
11. Automobile loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

BHCK1763 + BHCK1764 BHCKK179
BHCKF158 - BHDMK169
BHCKF159 - BHDMK170
BHDM1460 - BHDMK175
BHCKF160 - BHDMK176
BHCKF161 - BHDMK177
BHCKB538 - BHCKK180
BHCKK137 - BHCKK181

RCFD1763 + RCFD1764 RCFDK179
RCONF158 - RCONK169
RCONF159 - RCONK170
RCON1460 - RCONK175
RCONF160 - RCONK176
RCONF161 - RCONK177
RCFDB538 - RCFDK180
RCFDK137 - RCFDK181

RCON1766 - RCONK179
RCONF158 - RCONK169
RCONF159 - RCONK170
RCON1460 - RCONK175
RCONF160 - RCONK176
RCONF161 - RCONK177
RCONB538 - RCONK180
RCONK137 - RCONK181

CSATN216
CSATN217
CSATN218
CSATN219
CSATN220
CSATN221
CSATN222
CSATN223

CSPTN216
CSPTN217
CSPTN218
CSPTN219
CSPTN220
CSPTN221
CSPTN222
CSPTN223

12. Other consumer loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
13. All other loans and leases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

BHCKB539 + BHCKK207 BHCKK182
See Instructions

CSPTN224
CSPTN225

Sum of BHDMK169 to
BHCKK183
BHCK2122
BHCK3123

RCONB539 + RCONK207 RCONK182
See Instructions
Sum of RCONK169 to
RCONK183, excluding
RCONK178
RCON2122
RCON3123

CSATN224
CSATN225

14. Loans covered by FDIC loss sharing agreements . . . . . . . . . . . . . . . . . . . .
15. Total loans and leases (sum of items 1 through 14) . . . . . . . . . . . . . . . . .
16. Allowance for loan and lease losses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

RCFDB539 + RCFDK207 RCFDK182
See Instructions
Sum of RCONK169 to
RCONK177 and sum of
RCFDK178 to RCFDK183
RCFD2122
RCFD3123

CSATN226
CSAT2122
CSAT3123

CSPTN226
CSPT2122
CSPT3123

BHCK0211 + BHCK1289 +
BHCK1294 + BHCKG300 +
BHCKG304 + BHCKG312 +
BHCKG316 + BHCKK142 +
BHCKK150
BHCK8496
BHCKG308 + BHCKG320 +
BHCKK146 + BHCKK154 +
BHCKC026
BHCKG336 + BHCKG340 +
BHCKG344 + BHCK1737 +
BHCK1742
BHCK1754

RCFD0211 + RCFD1289 +
RCFD1294 + RCFDG300 +
RCFDG304 + RCFDG312 +
RCFDG316 + RCFDK142 +
RCFDK150
RCFD8496
RCFDG308 + RCFDG320 +
RCFDK146 + RCFDK154 +
RCFDC026
RCFDG336 + RCFDG340 +
RCFDG344 + RCFD1737 +
RCFD1742
RCFD1754

RCON0211 + RCON1289 +
RCON1294 + RCONG300 +
RCONG304 + RCONG312 +
RCONG316 + RCONK142 +
RCONK150
RCON8496
RCONG308 + RCONG320 +
RCONK146 + RCONK154 +
RCONC026
RCONG336 + RCONG340 +
RCONG344 + RCONG1737
+ RCONG1742
RCON1754

CSATN227
CSAT8496

CSPTN227
CSPT8496

CSATN228

CSPTN228

CSATN229
CSAT1754

CSPTN229
CSPT1754

BHCK1287 + BHCK1293 +
BHCK1298 + BHCKG303 +
BHCKG307 + BHCKG315 +
BHCKG319 + BHCKK145 +
BHCKK153
BHCK8499
BHCKG311 + BHCKG323 +
BHCKK149 + BHCKK157 +
BHCKC027
BHCKG339 + BHCKG343 +
BHCKG347 + BHCK1741 +
BHCK1746 + BHCKA511
BHCK1773
BHCK3545
BHCK3163 + BHCK0426
BHCK2150
See instructions

RCFD1287 + RCFD1293 +
RCFD1298 + RCFDG303 +
RCFDG307 + RCFDG315 +
RCFDG319 + RCFDK145 +
RCFDK153
RCFD8499
RCFDG311 + RCFDG323 +
RCFDK149 + RCFDK157 +
RCFDC027
RCFDG339 + RCFDG343 +
RCFDG347 + RCFD1741 +
RCFD1746 + RCFDA511
RCFD1773
RCFD3545
RCFD3163 + RCFD0426
RCFD2150
See instructions

RCON1287 + RCON1293 +
RCON1298 + RCONG303 +
RCONG307 + RCONG315 +
RCONG319 + RCONK145 +
RCONK153
RCON8499
RCONG311 + RCONG323 +
RCONK149 + RCONK157 +
RCONC027
RCONG339 + RCONG343 +
RCONG347 + RCON1741 +
RCON1746 + RCONA511
RCON1773
RCON3545
RCON3163 + RCON0426
RCON2150
See instructions

CSATN230
CSAT8499

CSPTN230
CSPT8499

CSATN231

CSPTN231

CSATN232
CSAT1773
CSAT3545
CSAT2143
CSAT2150
CSATN233

CSPTN232
CSPT1773
CSPT3545
CSPT2143
CSPT2150
CSPTN233

Securities
17. U.S. government obligations and obligations of GSEs . . . . . . . . . . . . . . . .
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 through 20) . . . . . . . . . . . . . . . .

22. U.S. government obligations and obligations of GSEs . . . . . . . . . . . . . . . .
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 through 25). . . . . . . . . . . . . . . . .
27. Trading assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
28. Total intangible assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
29. Other real estate owned . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
30. All other assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

PQ2

PQ3

Projected (CSPTP009)
PQ4
PQ5

PQ6

PQ7

PQ8

PQ9

09/2013

Baseline Scenario—Balance Sheet Statement (CSPTP006)—Continued

FR Y-16
Page 5 of 18

FRB RSSD ID:

Institution Name:
Dollar Amounts in Thousands
Balance Sheet Statement Impacts—Continued
31. Total assets (sum of items 15, 21, 26, 27 through 30, less item 16). .
32. Retail funding . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

33. Wholesale funding . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
34. Trading liabilities. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
35. All other liabilities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
36. Total liabilities (sum of items 32 through 35) . . . . . . . . . . . . . . . . . . . . . . . .
37. Perpetual preferred stock and related surplus . . . . . . . . . . . . . . . . . . . . . . . .

38. Equity capital . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
39. Total equity capital (sum of items 37 through 38) . . . . . . . . . . . . . . . . . . .
Capital
40. Unrealized gains (losses) on AFS securities . . . . . . . . . . . . . . . . . . . . . . . . . .
41. Deferred tax asset . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
42. Common equity tier 1 capital. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
43. Tier 1 capital. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
44. Qualifying subordinated debt and redeemable preferred stock. . . . . . . .
45. Allowance includible in Tier 2 capital. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
46. Tier 2 capital. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
47. Total capital . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
48. Total holding company or bank equity capital . . . . . . . . . . . . . . . . . . . . . . . . .
49. Risk-weighted assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
50. Total assets for leverage purposes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
51. Common equity tier 1 risk-based capital ratio . . . . . . . . . . . . . . . . . . . . . . . . .
52. Tier 1 risk-based capital ratio . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

53. Tier 1 leverage ratio . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
54. Total risk-based capital ratio . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Memoranda
55. Sale, conversion, acquisition, or retirement of capital stock . . . . . . . . . . .
56. Cash dividends declared on preferred stock . . . . . . . . . . . . . . . . . . . . . . . . . .
57. Cash dividends declared on common stock. . . . . . . . . . . . . . . . . . . . . . . . . . .

FR Y-9C Report Item

FFIEC 031
Call Report Item

FFIEC 041
Call Report Item

Actual
As of 9/30

PQ1

BHCK2170

RCFD2170

RCON2170

CSAT2170

CSPT2170

See instructions

RCON2200 - RCONJ474 RCONJ472 - RCON2343

RCON2200 - RCONJ474 RCONJ472 - RCON2343

CSATN236

CSPTN236

See instructions
BHCK3548
See instructions
BHCK2948
BHCK3283
BHCK3230 + BHCK3240 +
BHCK3247 + BHCKB530 +
BHCKA130 + BHCK3000
BHCKG105

RCONB993 + RCFDB995 +
RCFD3190 + RCON2343 +
RCONJ472 + RCONJ474 +
RCFN2200
RCFD3548
See instructions
RCFD2948
RCFD3838
RCFD3230 + RCFD3839 +
RCFD3632 + RCFDB530 +
RCFDA130 + RCFD3000
RCFDG105

RCONB993 + RCONB995 +
RCON3190 + RCON2343 +
RCONJ472 + RCONJ474
RCON3548
See instructions
RCON2948
RCON3838
RCON3230 + RCON3839 +
RCON3632 + RCONB530 +
RCONA130 + RCON3000
RCONG105

CSATN237
CSAT3548
CSATN238
CSAT2948
CSATN239

CSPTN237
CSPT3548
CSPTN238
CSPT2948
CSPTN239

CSATN242
CSATG105

CSPTN242
CSPTG105

BHCK8434
BHCK5610, BCHAP843
BHCAP859
BHCK8274, BHCA8274
BHCKG217
BHCK5310, BHCA5310
BHCK5311, BHCA5311
BHCK3792, BHCA3792
BHCK3210
BHCKA223, BHCAA223
BHCKA224, BHCAA224

RCFD8434
RCFD5610, RCFAP843
RCFAP859
RCFD8274, RCFA8274
RCFD5306
RCFD5310, RCFA5310
RCFD5311, RCFA5311
RCFD3792, RCFA3792
RCFD3210
RCFDA223, RCFAA223
RCFDL138, RCFAA224

RCON8434
RCON5610, RCOAP843
RCOAP859
RCON8274, RCOA8274
RCON5306
RCON5310, RCOA5310
RCON5311, RCOA5311
RCON3792, RCOA3792
RCON3210
RCONA223, RCOAA223
RCONL138, RCOAA224

CSAT8434
CSAT5610
CSATP859
CSAT8274
CSATN252
CSAT5310
CSAT5311
CSAT3792
CSAT3210
CSATA223
CSATN253

CSPT8434
CSPT5610
CSPTP859
CSPT8274
CSPTN252
CSPT5310
CSPT5311
CSPT3792
CSPT3210
CSPTA223
CSPTN253

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

CSATP793
CSAT7206

CSPTP793
CSPT7206

CSAT7204
CSAT7205

CSPT7204
CSPT7205

See instructions
BHCK4598
BHCK4460

RIADB509 + RIADB510
RIAD4470
RIAD4460

RIADB509 + RIADB510
RIAD4470
RIAD4460

CSATN258
CSATN259
CSAT4460

CSPTN258
CSPTN259
CSPT4460

PQ2

PQ3

Projected (CSPTP009)
PQ4
PQ5

PQ6

PQ7

PQ8

PQ9

11/2014

Adverse Scenario—Income Statement (CSPTP006)

FR Y-16
Page 6 of 18

FRB RSSD ID:

Institution Name:
Dollar Amounts in Thousands
Income Statement Impacts
Net Charge-Offs
1. First lien mortgages. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
2. Closed-end junior liens . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
3. HELOCs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Actual
As of 9/30

FR Y-9C Report Item

FFIEC 031
Call Report Item

FFIEC 041
Call Report Item

BHCKC234 - BHCKC217
BHCKC235 - BHCKC218
BHCK5411 - BHCK5412

RIADC234 - RIADC217
RIADC235 - RIADC218
RIAD5411 - RIAD5412

RIADC234 - RIADC217
RIADC235 - RIADC218
RIAD5411 - RIAD5412

CSATN193
CSATN194
CSATN195

CSPTN193
CSPTN194
CSPTN195

(RIAD4645 + RIAD4646) (RIAD4617 + RIAD4618)
RIADC891 - RIADC892
RIADC893 - RIADC894
RIAD3588 - RIAD3589
RIADC895 - RIADC896
RIADC897 - RIADC898
RIADB514 - RIADB515
RIADK129 - RIADK133
RIADK205 - RIADK206
See Instructions
RIAD4635 - RIAD4605
RIAD4074
RIAD4079
RIAD4093

RIAD4638 - RIAD4608
RIADC891 - RIADC892
RIADC893 - RIADC894
RIAD3588 - RIAD3589
RIADC895 - RIADC896
RIADC897 - RIADC898
RIADB514 - RIADB515
RIADK129 - RIADK133
RIADK205 - RIADK206
See Instructions
RIAD4635 - RIAD4605
RIAD4074
RIAD4079
RIAD4093

RIAD4230
RIAD3521
RIAD3196
See Instructions
RIAD4302
RIAD4340

RIAD4230
RIAD3521
RIAD3196
See Instructions
RIAD4302
RIAD4340

CSATN196
CSATN197
CSATN198
CSATN199
CSATN200
CSATN201
CSATN202
CSATN203
CSATN204
CSATN205
CSATN206
CSAT4074
CSAT4079
CSAT4093
CSATN207
CSAT4230
CSAT3521
CSAT3196
CSATN208
CSAT4302
CSAT4340

CSPTN196
CSPTN197
CSPTN198
CSPTN199
CSPTN200
CSPTN201
CSPTN202
CSPTN203
CSPTN204
CSPTN205
CSPTN206
CSPT4074
CSPT4079
CSPT4093
CSPTN207
CSPT4230
CSPT3521
CSPT3196
CSPTN208
CSPT4302
CSPT4340

RIADJ319

RIADJ319

CSATJ319

CSPTJ319

CSA1N210
CSA2N210
CSA3N210
CSA4N210
CSA5N210
CSA6N210

CSP1N210
CSP2N210
CSP3N210
CSP4N210
CSP5N210
CSP6N210

CSA1N211
CSA2N211
CSA3N211
CSA4N211
CSA5N211
CSA6N211

CSP1N211
CSP2N211
CSP3N211
CSP4N211
CSP5N211
CSP6N211

CSA1N212
CSA2N212
CSA3N212
CSA4N212
CSA5N212
CSA6N212

CSP1N212
CSP2N212
CSP3N212
CSP4N212
CSP5N212
CSP6N212

(BHCK4645 + BHCK4646) 4. C & I Loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . (BHCK4617 + BHCK4618)
5. 1– 4 family construction loans. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCKC891 - BHCKC892
6. Other construction loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCKC893 - BHCKC894
7. Multifamily loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCK3588 - BHCK3589
8. Non-farm, non-residential owner occupied loans. . . . . . . . . . . . . . . . . . . . . . BHCKC895 - BHCKC896
9. Non-farm, non-residential other loans. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCKC897 - BHCKC898
10. Credit cards . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCKB514 - BHCKB515
11. Automobile loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCKK129 - BHCKK133
12. Other consumer loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCKK205 - BHCKK206
13. All other loans and leases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . See Instructions
14. Total loan and lease net charge offs (sum of items 1 through 13) . . BHCK4635 - BHCK4605
15. Net interest income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCK4074
16. Non-interest income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCK4079
17. Non-interest expense . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCK4093
18. Pre-provision net revenue (sum of items 15 and 16, less item 17) . .
19. Provision for loan and lease losses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCK4230
20. Realized gains (losses) on HTM securities. . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCK3521
21. Realized gains (losses) on AFS securities . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCK3196
22. All other gains (losses) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . See Instructions
23. Taxes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCK4302
24. Net Income (sum of items 18, 20, 21, and 22, less items 19 and 23) . . BHCK4340
Memoranda
25. Total other-than-temporary impairment (OTTI) losses . . . . . . . . . . . . . . . . BHCKJ319
Itemize and describe amounts greater than 15 percent of non-interest income (item 16).
26. CST1N210
27. CST2N210
28. CST3N210
29. CST4N210
30. CST5N210
31. CST6N210
Itemize and describe amounts greater than 15 percent of non-interest expense (item 17).
32. CST1N211
33. CST2N211
34. CST3N211
35. CST4N211
36. CST5N211
37. CST6N211
Itemize and describe amounts greater than 15 percent of all other gains (losses) (item 22).
38. CST1N212
39. CST2N212
40. CST3N212
41. CST4N212
42. CST5N212
43. CST6N212

PQ1

PQ2

PQ3

Projected (CSPTP009)
PQ4
PQ5

PQ6

PQ7

PQ8

PQ9

09/2013

Adverse Scenario—Balance Sheet Statement (CSPTP006)

FR Y-16
Page 7 of 18

FRB RSSD ID:

Institution Name:
Dollar Amounts in Thousands

FR Y-9C Report Item

FFIEC 031
Call Report Item

FFIEC 041
Call Report Item

Actual
As of 9/30

PQ1

Balance Sheet Statement Impacts
Loans (excluding FDIC Loss Sharing Agreements)
1. First lien mortgages. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
2. Closed-end junior liens . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
3. HELOCs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

BHDM5367 - BHDMK173
BHDM5368 - BHDMK174
BHDM1797 - BHDMK172

RCON5367 - RCONK173
RCON5368 - RCONK174
RCON1797 - RCONK172

RCON5367 - RCONK173
RCON5368 - RCONK174
RCON1797 - RCONK172

CSATN213
CSATN214
CSATN215

CSPTN213
CSPTN214
CSPTN215

4. C & I Loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
5. 1– 4 family construction loans. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
6. Other construction loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
7. Multifamily loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
8. Non-farm, non-residential owner occupied loans. . . . . . . . . . . . . . . . . . . . . .
9. Non-farm, non-residential other loans. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
10. Credit cards . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
11. Automobile loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

BHCK1763 + BHCK1764 BHCKK179
BHCKF158 - BHDMK169
BHCKF159 - BHDMK170
BHDM1460 - BHDMK175
BHCKF160 - BHDMK176
BHCKF161 - BHDMK177
BHCKB538 - BHCKK180
BHCKK137 - BHCKK181

RCFD1763 + RCFD1764 RCFDK179
RCONF158 - RCONK169
RCONF159 - RCONK170
RCON1460 - RCONK175
RCONF160 - RCONK176
RCONF161 - RCONK177
RCFDB538 - RCFDK180
RCFDK137 - RCFDK181

RCON1766 - RCONK179
RCONF158 - RCONK169
RCONF159 - RCONK170
RCON1460 - RCONK175
RCONF160 - RCONK176
RCONF161 - RCONK177
RCONB538 - RCONK180
RCONK137 - RCONK181

CSATN216
CSATN217
CSATN218
CSATN219
CSATN220
CSATN221
CSATN222
CSATN223

CSPTN216
CSPTN217
CSPTN218
CSPTN219
CSPTN220
CSPTN221
CSPTN222
CSPTN223

12. Other consumer loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
13. All other loans and leases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

BHCKB539 + BHCKK207 BHCKK182
See Instructions

CSPTN224
CSPTN225

Sum of BHDMK169 to
BHCKK183
BHCK2122
BHCK3123

RCONB539 + RCONK207 RCONK182
See Instructions
Sum of RCONK169 to
RCONK183, excluding
RCONK178
RCON2122
RCON3123

CSATN224
CSATN225

14. Loans covered by FDIC loss sharing agreements . . . . . . . . . . . . . . . . . . . .
15. Total loans and leases (sum of items 1 through 14) . . . . . . . . . . . . . . . . .
16. Allowance for loan and lease losses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

RCFDB539 + RCFDK207 RCFDK182
See Instructions
Sum of RCONK169 to
RCONK177 and sum of
RCFDK178 to RCFDK183
RCFD2122
RCFD3123

CSATN226
CSAT2122
CSAT3123

CSPTN226
CSPT2122
CSPT3123

BHCK0211 + BHCK1289 +
BHCK1294 + BHCKG300 +
BHCKG304 + BHCKG312 +
BHCKG316 + BHCKK142 +
BHCKK150
BHCK8496
BHCKG308 + BHCKG320 +
BHCKK146 + BHCKK154 +
BHCKC026
BHCKG336 + BHCKG340 +
BHCKG344 + BHCK1737 +
BHCK1742
BHCK1754

RCFD0211 + RCFD1289 +
RCFD1294 + RCFDG300 +
RCFDG304 + RCFDG312 +
RCFDG316 + RCFDK142 +
RCFDK150
RCFD8496
RCFDG308 + RCFDG320 +
RCFDK146 + RCFDK154 +
RCFDC026
RCFDG336 + RCFDG340 +
RCFDG344 + RCFD1737 +
RCFD1742
RCFD1754

RCON0211 + RCON1289 +
RCON1294 + RCONG300 +
RCONG304 + RCONG312 +
RCONG316 + RCONK142 +
RCONK150
RCON8496
RCONG308 + RCONG320 +
RCONK146 + RCONK154 +
RCONC026
RCONG336 + RCONG340 +
RCONG344 + RCONG1737
+ RCONG1742
RCON1754

CSATN227
CSAT8496

CSPTN227
CSPT8496

CSATN228

CSPTN228

CSATN229
CSAT1754

CSPTN229
CSPT1754

BHCK1287 + BHCK1293 +
BHCK1298 + BHCKG303 +
BHCKG307 + BHCKG315 +
BHCKG319 + BHCKK145 +
BHCKK153
BHCK8499
BHCKG311 + BHCKG323 +
BHCKK149 + BHCKK157 +
BHCKC027
BHCKG339 + BHCKG343 +
BHCKG347 + BHCK1741 +
BHCK1746 + BHCKA511
BHCK1773
BHCK3545
BHCK3163 + BHCK0426
BHCK2150
See instructions

RCFD1287 + RCFD1293 +
RCFD1298 + RCFDG303 +
RCFDG307 + RCFDG315 +
RCFDG319 + RCFDK145 +
RCFDK153
RCFD8499
RCFDG311 + RCFDG323 +
RCFDK149 + RCFDK157 +
RCFDC027
RCFDG339 + RCFDG343 +
RCFDG347 + RCFD1741 +
RCFD1746 + RCFDA511
RCFD1773
RCFD3545
RCFD3163 + RCFD0426
RCFD2150
See instructions

RCON1287 + RCON1293 +
RCON1298 + RCONG303 +
RCONG307 + RCONG315 +
RCONG319 + RCONK145 +
RCONK153
RCON8499
RCONG311 + RCONG323 +
RCONK149 + RCONK157 +
RCONC027
RCONG339 + RCONG343 +
RCONG347 + RCON1741 +
RCON1746 + RCONA511
RCON1773
RCON3545
RCON3163 + RCON0426
RCON2150
See instructions

CSATN230
CSAT8499

CSPTN230
CSPT8499

CSATN231

CSPTN231

CSATN232
CSAT1773
CSAT3545
CSAT2143
CSAT2150
CSATN233

CSPTN232
CSPT1773
CSPT3545
CSPT2143
CSPT2150
CSPTN233

Securities
17. U.S. government obligations and obligations of GSEs . . . . . . . . . . . . . . . .
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 through 20) . . . . . . . . . . . . . . . .

22. U.S. government obligations and obligations of GSEs . . . . . . . . . . . . . . . .
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 through 25). . . . . . . . . . . . . . . . .
27. Trading assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
28. Total intangible assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
29. Other real estate owned . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
30. All other assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

PQ2

PQ3

Projected (CSPTP009)
PQ4
PQ5

PQ6

PQ7

PQ8

PQ9

09/2013

Adverse Scenario—Balance Sheet Statement (CSPTP006)—Continued

FR Y-16
Page 8 of 18

FRB RSSD ID:

Institution Name:
Dollar Amounts in Thousands
Balance Sheet Statement Impacts—Continued
31. Total assets (sum of items 15, 21, 26, 27 through 30, less item 16). .
32. Retail funding . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

33. Wholesale funding . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
34. Trading liabilities. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
35. All other liabilities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
36. Total liabilities (sum of items 32 through 35) . . . . . . . . . . . . . . . . . . . . . . . .
37. Perpetual preferred stock and related surplus . . . . . . . . . . . . . . . . . . . . . . . .

38. Equity capital . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
39. Total equity capital (sum of items 37 through 38) . . . . . . . . . . . . . . . . . . .
Capital
40. Unrealized gains (losses) on AFS securities . . . . . . . . . . . . . . . . . . . . . . . . . .
41. Deferred tax asset . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
42. Common equity tier 1 capital. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
43. Tier 1 capital. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
44. Qualifying subordinated debt and redeemable preferred stock. . . . . . . .
45. Allowance includible in Tier 2 capital. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
46. Tier 2 capital. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
47. Total capital . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
48. Total holding company or bank equity capital . . . . . . . . . . . . . . . . . . . . . . . . .
49. Risk-weighted assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
50. Total assets for leverage purposes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
51. Common equity tier 1 risk-based capital ratio . . . . . . . . . . . . . . . . . . . . . . . . .
52. Tier 1 risk-based capital ratio . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

53. Tier 1 leverage ratio . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
54. Total risk-based capital ratio . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Memoranda
55. Sale, conversion, acquisition, or retirement of capital stock . . . . . . . . . . .
56. Cash dividends declared on preferred stock . . . . . . . . . . . . . . . . . . . . . . . . . .
57. Cash dividends declared on common stock. . . . . . . . . . . . . . . . . . . . . . . . . . .

FR Y-9C Report Item

FFIEC 031
Call Report Item

FFIEC 041
Call Report Item

Actual
As of 9/30

PQ1

BHCK2170

RCFD2170

RCON2170

CSAT2170

CSPT2170

See instructions

RCON2200 - RCONJ474 RCONJ472 - RCON2343

RCON2200 - RCONJ474 RCONJ472 - RCON2343

CSATN236

CSPTN236

See instructions
BHCK3548
See instructions
BHCK2948
BHCK3283
BHCK3230 + BHCK3240 +
BHCK3247 + BHCKB530 +
BHCKA130 + BHCK3000
BHCKG105

RCONB993 + RCFDB995 +
RCFD3190 + RCON2343 +
RCONJ472 + RCONJ474 +
RCFN2200
RCFD3548
See instructions
RCFD2948
RCFD3838
RCFD3230 + RCFD3839 +
RCFD3632 + RCFDB530 +
RCFDA130 + RCFD3000
RCFDG105

RCONB993 + RCONB995 +
RCON3190 + RCON2343 +
RCONJ472 + RCONJ474
RCON3548
See instructions
RCON2948
RCON3838
RCON3230 + RCON3839 +
RCON3632 + RCONB530 +
RCONA130 + RCON3000
RCONG105

CSATN237
CSAT3548
CSATN238
CSAT2948
CSATN239

CSPTN237
CSPT3548
CSPTN238
CSPT2948
CSPTN239

CSATN242
CSATG105

CSPTN242
CSPTG105

BHCK8434
BHCK5610, BHCAP843
BHCAP859
BHCK8274, BHCA8274
BHCKG217
BHCK5310, BHCA5310
BHCK5311, BHCA5311
BHCK3792, BHCA3792
BHCK3210
BHCKA223, BHCAA223
BHCKA224, BHCAA224

RCFD8434
RCFD5610, RCFAP843
RCFAP859
RCFD8274, RCFA8274
RCFD5306
RCFD5310, RCFA5310
RCFD5311, RCFA5311
RCFD3792, RCFA3792
RCFD3210
RCFDA223, RCFAA223
RCFDL138, RCFAA224

RCON8434
RCON5610, RCOAP843
RCOAP859
RCON8274, RCOA8274
RCON5306
RCON5310, RCOA5310
RCON5311, RCOA5311
RCON3792, RCOA3792
RCON3210
RCONA223, RCOAA223
RCONL138, RCOAA224

CSAT8434
CSAT5610
CSATP859
CSAT8274
CSATN252
CSAT5310
CSAT5311
CSAT3792
CSAT3210
CSATA223
CSATN253

CSPT8434
CSPT5610
CSPTP859
CSPT8274
CSPTN252
CSPT5310
CSPT5311
CSPT3792
CSPT3210
CSPTA223
CSPTN253

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

CSATP793
CSAT7206

CSPTP793
CSPT7206

CSAT7204
CSAT7205

CSPT7204
CSPT7205

See instructions
BHCK4598
BHCK4460

RIADB509 + RIADB510
RIAD4470
RIAD4460

RIADB509 + RIADB510
RIAD4470
RIAD4460

CSATN258
CSATN259
CSAT4460

CSPTN258
CSPTN259
CSPT4460

PQ2

PQ3

Projected (CSPTP009)
PQ4
PQ5

PQ6

PQ7

PQ8

PQ9

11/2014

Severely Adverse Scenario—Income Statement (CSPTP006)

FR Y-16
Page 9 of 18

FRB RSSD ID:

Institution Name:
Dollar Amounts in Thousands
Income Statement Impacts
Net Charge-Offs
1. First lien mortgages. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
2. Closed-end junior liens . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
3. HELOCs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Actual
As of 9/30

FR Y-9C Report Item

FFIEC 031
Call Report Item

FFIEC 041
Call Report Item

BHCKC234 - BHCKC217
BHCKC235 - BHCKC218
BHCK5411 - BHCK5412

RIADC234 - RIADC217
RIADC235 - RIADC218
RIAD5411 - RIAD5412

RIADC234 - RIADC217
RIADC235 - RIADC218
RIAD5411 - RIAD5412

CSATN193
CSATN194
CSATN195

CSPTN193
CSPTN194
CSPTN195

(RIAD4645 + RIAD4646) (RIAD4617 + RIAD4618)
RIADC891 - RIADC892
RIADC893 - RIADC894
RIAD3588 - RIAD3589
RIADC895 - RIADC896
RIADC897 - RIADC898
RIADB514 - RIADB515
RIADK129 - RIADK133
RIADK205 - RIADK206
See Instructions
RIAD4635 - RIAD4605
RIAD4074
RIAD4079
RIAD4093

RIAD4638 - RIAD4608
RIADC891 - RIADC892
RIADC893 - RIADC894
RIAD3588 - RIAD3589
RIADC895 - RIADC896
RIADC897 - RIADC898
RIADB514 - RIADB515
RIADK129 - RIADK133
RIADK205 - RIADK206
See Instructions
RIAD4635 - RIAD4605
RIAD4074
RIAD4079
RIAD4093

RIAD4230
RIAD3521
RIAD3196
See Instructions
RIAD4302
RIAD4340

RIAD4230
RIAD3521
RIAD3196
See Instructions
RIAD4302
RIAD4340

CSATN196
CSATN197
CSATN198
CSATN199
CSATN200
CSATN201
CSATN202
CSATN203
CSATN204
CSATN205
CSATN206
CSAT4074
CSAT4079
CSAT4093
CSATN207
CSAT4230
CSAT3521
CSAT3196
CSATN208
CSAT4302
CSAT4340

CSPTN196
CSPTN197
CSPTN198
CSPTN199
CSPTN200
CSPTN201
CSPTN202
CSPTN203
CSPTN204
CSPTN205
CSPTN206
CSPT4074
CSPT4079
CSPT4093
CSPTN207
CSPT4230
CSPT3521
CSPT3196
CSPTN208
CSPT4302
CSPT4340

RIADJ319

RIADJ319

CSATJ319

CSPTJ319

CSA1N210
CSA2N210
CSA3N210
CSA4N210
CSA5N210
CSA6N210

CSP1N210
CSP2N210
CSP3N210
CSP4N210
CSP5N210
CSP6N210

CSA1N211
CSA2N211
CSA3N211
CSA4N211
CSA5N211
CSA6N211

CSP1N211
CSP2N211
CSP3N211
CSP4N211
CSP5N211
CSP6N211

CSA1N212
CSA2N212
CSA3N212
CSA4N212
CSA5N212
CSA6N212

CSP1N212
CSP2N212
CSP3N212
CSP4N212
CSP5N212
CSP6N212

(BHCK4645 + BHCK4646) 4. C & I Loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . (BHCK4617 + BHCK4618)
5. 1– 4 family construction loans. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCKC891 - BHCKC892
6. Other construction loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCKC893 - BHCKC894
7. Multifamily loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCK3588 - BHCK3589
8. Non-farm, non-residential owner occupied loans. . . . . . . . . . . . . . . . . . . . . . BHCKC895 - BHCKC896
9. Non-farm, non-residential other loans. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCKC897 - BHCKC898
10. Credit cards . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCKB514 - BHCKB515
11. Automobile loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCKK129 - BHCKK133
12. Other consumer loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCKK205 - BHCKK206
13. All other loans and leases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . See Instructions
14. Total loan and lease net charge offs (sum of items 1 through 13) . . BHCK4635 - BHCK4605
15. Net interest income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCK4074
16. Non-interest income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCK4079
17. Non-interest expense . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCK4093
18. Pre-provision net revenue (sum of items 15 and 16, less item 17) . .
19. Provision for loan and lease losses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCK4230
20. Realized gains (losses) on HTM securities. . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCK3521
21. Realized gains (losses) on AFS securities . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCK3196
22. All other gains (losses) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . See Instructions
23. Taxes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCK4302
24. Net Income (sum of items 18, 20, 21, and 22, less items 19 and 23) . . BHCK4340
Memoranda
25. Total other-than-temporary impairment (OTTI) losses . . . . . . . . . . . . . . . . BHCKJ319
Itemize and describe amounts greater than 15 percent of non-interest income (item 16).
26. CST1N210
27. CST2N210
28. CST3N210
29. CST4N210
30. CST5N210
31. CST6N210
Itemize and describe amounts greater than 15 percent of non-interest expense (item 17).
32. CST1N211
33. CST2N211
34. CST3N211
35. CST4N211
36. CST5N211
37. CST6N211
Itemize and describe amounts greater than 15 percent of all other gains (losses) (item 22).
38. CST1N212
39. CST2N212
40. CST3N212
41. CST4N212
42. CST5N212
43. CST6N212

PQ1

PQ2

PQ3

Projected (CSPTP009)
PQ4
PQ5

PQ6

PQ7

PQ8

PQ9

09/2013

Severely Adverse Scenario—Balance Sheet Statement (CSPTP006)

FR Y-16
Page 10 of 18

FRB RSSD ID:

Institution Name:
Dollar Amounts in Thousands

FR Y-9C Report Item

FFIEC 031
Call Report Item

FFIEC 041
Call Report Item

Actual
As of 9/30

PQ1

Balance Sheet Statement Impacts
Loans (excluding FDIC Loss Sharing Agreements)
1. First lien mortgages. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
2. Closed-end junior liens . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
3. HELOCs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

BHDM5367 - BHDMK173
BHDM5368 - BHDMK174
BHDM1797 - BHDMK172

RCON5367 - RCONK173
RCON5368 - RCONK174
RCON1797 - RCONK172

RCON5367 - RCONK173
RCON5368 - RCONK174
RCON1797 - RCONK172

CSATN213
CSATN214
CSATN215

CSPTN213
CSPTN214
CSPTN215

4. C & I Loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
5. 1– 4 family construction loans. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
6. Other construction loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
7. Multifamily loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
8. Non-farm, non-residential owner occupied loans. . . . . . . . . . . . . . . . . . . . . .
9. Non-farm, non-residential other loans. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
10. Credit cards . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
11. Automobile loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

BHCK1763 + BHCK1764 BHCKK179
BHCKF158 - BHDMK169
BHCKF159 - BHDMK170
BHDM1460 - BHDMK175
BHCKF160 - BHDMK176
BHCKF161 - BHDMK177
BHCKB538 - BHCKK180
BHCKK137 - BHCKK181

RCFD1763 + RCFD1764 RCFDK179
RCONF158 - RCONK169
RCONF159 - RCONK170
RCON1460 - RCONK175
RCONF160 - RCONK176
RCONF161 - RCONK177
RCFDB538 - RCFDK180
RCFDK137 - RCFDK181

RCON1766 - RCONK179
RCONF158 - RCONK169
RCONF159 - RCONK170
RCON1460 - RCONK175
RCONF160 - RCONK176
RCONF161 - RCONK177
RCONB538 - RCONK180
RCONK137 - RCONK181

CSATN216
CSATN217
CSATN218
CSATN219
CSATN220
CSATN221
CSATN222
CSATN223

CSPTN216
CSPTN217
CSPTN218
CSPTN219
CSPTN220
CSPTN221
CSPTN222
CSPTN223

12. Other consumer loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
13. All other loans and leases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

BHCKB539 + BHCKK207 BHCKK182
See Instructions

CSPTN224
CSPTN225

Sum of BHDMK169 to
BHCKK183
BHCK2122
BHCK3123

RCONB539 + RCONK207 RCONK182
See Instructions
Sum of RCONK169 to
RCONK183, excluding
RCONK178
RCON2122
RCON3123

CSATN224
CSATN225

14. Loans covered by FDIC loss sharing agreements . . . . . . . . . . . . . . . . . . . .
15. Total loans and leases (sum of items 1 through 14) . . . . . . . . . . . . . . . . .
16. Allowance for loan and lease losses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

RCFDB539 + RCFDK207 RCFDK182
See Instructions
Sum of RCONK169 to
RCONK177 and sum of
RCFDK178 to RCFDK183
RCFD2122
RCFD3123

CSATN226
CSAT2122
CSAT3123

CSPTN226
CSPT2122
CSPT3123

BHCK0211 + BHCK1289 +
BHCK1294 + BHCKG300 +
BHCKG304 + BHCKG312 +
BHCKG316 + BHCKK142 +
BHCKK150
BHCK8496
BHCKG308 + BHCKG320 +
BHCKK146 + BHCKK154 +
BHCKC026
BHCKG336 + BHCKG340 +
BHCKG344 + BHCK1737 +
BHCK1742
BHCK1754

RCFD0211 + RCFD1289 +
RCFD1294 + RCFDG300 +
RCFDG304 + RCFDG312 +
RCFDG316 + RCFDK142 +
RCFDK150
RCFD8496
RCFDG308 + RCFDG320 +
RCFDK146 + RCFDK154 +
RCFDC026
RCFDG336 + RCFDG340 +
RCFDG344 + RCFD1737 +
RCFD1742
RCFD1754

RCON0211 + RCON1289 +
RCON1294 + RCONG300 +
RCONG304 + RCONG312 +
RCONG316 + RCONK142 +
RCONK150
RCON8496
RCONG308 + RCONG320 +
RCONK146 + RCONK154 +
RCONC026
RCONG336 + RCONG340 +
RCONG344 + RCONG1737
+ RCONG1742
RCON1754

CSATN227
CSAT8496

CSPTN227
CSPT8496

CSATN228

CSPTN228

CSATN229
CSAT1754

CSPTN229
CSPT1754

BHCK1287 + BHCK1293 +
BHCK1298 + BHCKG303 +
BHCKG307 + BHCKG315 +
BHCKG319 + BHCKK145 +
BHCKK153
BHCK8499
BHCKG311 + BHCKG323 +
BHCKK149 + BHCKK157 +
BHCKC027
BHCKG339 + BHCKG343 +
BHCKG347 + BHCK1741 +
BHCK1746 + BHCKA511
BHCK1773
BHCK3545
BHCK3163 + BHCK0426
BHCK2150
See instructions

RCFD1287 + RCFD1293 +
RCFD1298 + RCFDG303 +
RCFDG307 + RCFDG315 +
RCFDG319 + RCFDK145 +
RCFDK153
RCFD8499
RCFDG311 + RCFDG323 +
RCFDK149 + RCFDK157 +
RCFDC027
RCFDG339 + RCFDG343 +
RCFDG347 + RCFD1741 +
RCFD1746 + RCFDA511
RCFD1773
RCFD3545
RCFD3163 + RCFD0426
RCFD2150
See instructions

RCON1287 + RCON1293 +
RCON1298 + RCONG303 +
RCONG307 + RCONG315 +
RCONG319 + RCONK145 +
RCONK153
RCON8499
RCONG311 + RCONG323 +
RCONK149 + RCONK157 +
RCONC027
RCONG339 + RCONG343 +
RCONG347 + RCON1741 +
RCON1746 + RCONA511
RCON1773
RCON3545
RCON3163 + RCON0426
RCON2150
See instructions

CSATN230
CSAT8499

CSPTN230
CSPT8499

CSATN231

CSPTN231

CSATN232
CSAT1773
CSAT3545
CSAT2143
CSAT2150
CSATN233

CSPTN232
CSPT1773
CSPT3545
CSPT2143
CSPT2150
CSPTN233

Securities
17. U.S. government obligations and obligations of GSEs . . . . . . . . . . . . . . . .
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 through 20) . . . . . . . . . . . . . . . .

22. U.S. government obligations and obligations of GSEs . . . . . . . . . . . . . . . .
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 through 25). . . . . . . . . . . . . . . . .
27. Trading assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
28. Total intangible assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
29. Other real estate owned . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
30. All other assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

PQ2

PQ3

Projected (CSPTP009)
PQ4
PQ5

PQ6

PQ7

PQ8

PQ9

09/2013

Severely Adverse Scenario—Balance Sheet Statement (CSPTP006)—Continued

FR Y-16
Page 11 of 18

FRB RSSD ID:

Institution Name:
Dollar Amounts in Thousands
Balance Sheet Statement Impacts—Continued
31. Total assets (sum of items 15, 21, 26, 27 through 30, less item 16). .
32. Retail funding . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

33. Wholesale funding . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
34. Trading liabilities. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
35. All other liabilities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
36. Total liabilities (sum of items 32 through 35) . . . . . . . . . . . . . . . . . . . . . . . .
37. Perpetual preferred stock and related surplus . . . . . . . . . . . . . . . . . . . . . . . .

38. Equity capital . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
39. Total equity capital (sum of items 37 through 38) . . . . . . . . . . . . . . . . . . .
Capital
40. Unrealized gains (losses) on AFS securities . . . . . . . . . . . . . . . . . . . . . . . . . .
41. Deferred tax asset . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
42. Common equity tier 1 capital. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
43. Tier 1 capital. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
44. Qualifying subordinated debt and redeemable preferred stock. . . . . . . .
45. Allowance includible in Tier 2 capital. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
46. Tier 2 capital. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
47. Total capital . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
48. Total holding company or bank equity capital . . . . . . . . . . . . . . . . . . . . . . . . .
49. Risk-weighted assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
50. Total assets for leverage purposes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
51. Common equity tier 1 risk-based capital ratio . . . . . . . . . . . . . . . . . . . . . . . . .
52. Tier 1 risk-based capital ratio . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

53. Tier 1 leverage ratio . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
54. Total risk-based capital ratio . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Memoranda
55. Sale, conversion, acquisition, or retirement of capital stock . . . . . . . . . . .
56. Cash dividends declared on preferred stock . . . . . . . . . . . . . . . . . . . . . . . . . .
57. Cash dividends declared on common stock. . . . . . . . . . . . . . . . . . . . . . . . . . .

FR Y-9C Report Item

FFIEC 031
Call Report Item

FFIEC 041
Call Report Item

Actual
As of 9/30

PQ1

BHCK2170

RCFD2170

RCON2170

CSAT2170

CSPT2170

See instructions

RCON2200 - RCONJ474 RCONJ472 - RCON2343

RCON2200 - RCONJ474 RCONJ472 - RCON2343

CSATN236

CSPTN236

See instructions
BHCK3548
See instructions
BHCK2948
BHCK3283
BHCK3230 + BHCK3240 +
BHCK3247 + BHCKB530 +
BHCKA130 + BHCK3000
BHCKG105

RCONB993 + RCFDB995 +
RCFD3190 + RCON2343 +
RCONJ472 + RCONJ474 +
RCFN2200
RCFD3548
See instructions
RCFD2948
RCFD3838
RCFD3230 + RCFD3839 +
RCFD3632 + RCFDB530 +
RCFDA130 + RCFD3000
RCFDG105

RCONB993 + RCONB995 +
RCON3190 + RCON2343 +
RCONJ472 + RCONJ474
RCON3548
See instructions
RCON2948
RCON3838
RCON3230 + RCON3839 +
RCON3632 + RCONB530 +
RCONA130 + RCON3000
RCONG105

CSATN237
CSAT3548
CSATN238
CSAT2948
CSATN239

CSPTN237
CSPT3548
CSPTN238
CSPT2948
CSPTN239

CSATN242
CSATG105

CSPTN242
CSPTG105

BHCK8434
BHCK5610, BHCAP843
BHCAP859
BHCK8274, BHCA8274
BHCKG217
BHCK5310, BHCA5310
BHCK5311, BHCA5311
BHCK3792, BHCA3792
BHCK3210
BHCKA223, BHCAA223
BHCKA224, BHCAA224

RCFD8434
RCFD5610, RCFAP843
RCFAP859
RCFD8274, RCFA8274
RCFD5306
RCFD5310, RCFA5310
RCFD5311, RCFA5311
RCFD3792, RCFA3792
RCFD3210
RCFDA223, RCFAA223
RCFDL138, RCFAA224

RCON8434
RCON5610, RCOAP843
RCOAP859
RCON8274, RCOA8274
RCON5306
RCON5310, RCOA5310
RCON5311, RCOA5311
RCON3792, RCOA3792
RCON3210
RCONA223, RCOAA223
RCONL138, RCOAA224

CSAT8434
CSAT5610
CSATP859
CSAT8274
CSATN252
CSAT5310
CSAT5311
CSAT3792
CSAT3210
CSATA223
CSATN253

CSPT8434
CSPT5610
CSPTP859
CSPT8274
CSPTN252
CSPT5310
CSPT5311
CSPT3792
CSPT3210
CSPTA223
CSPTN253

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

CSATP793
CSAT7206

CSPTP793
CSPT7206

CSAT7204
CSAT7205

CSPT7204
CSPT7205

See instructions
BHCK4598
BHCK4460

RIADB509 + RIADB510
RIAD4470
RIAD4460

RIADB509 + RIADB510
RIAD4470
RIAD4460

CSATN258
CSATN259
CSAT4460

CSPTN258
CSPTN259
CSPT4460

PQ2

PQ3

Projected (CSPTP009)
PQ4
PQ5

PQ6

PQ7

PQ8

PQ9

11/2014

FR Y-16
Page 12 of 18

Scenario Variables Schedule

To conduct the stress test required, a SMB, BHC, or SLHC may
choose to project additional economic and financial variables
beyond the mandatory supervisory scenarios provided to estimate losses or revenues for some or all of its portfolios. The
Federal Reserve expects a SMB, BHC, or SLHC to ensure that
the paths of any additional variables (including their timing) are
consistent with the general economic environment assumed in
the supervisory scenarios. If additional variables are used, the
SMB, BHC, or SLHC must complete the following information
for each scenario where the institution chose to use additional
variables.

If additional scenario variables are used, institutions are expected
to submit this schedule through the Federal Reserve System's
Reporting Central application.
https://www.frbservices.org/centralbank/reportingcentral/index.html
Please see the FR Y-16 Reporting Form Instructions for instructions
on completing this schedule.

11/2014

Scenario Variables Schedule—Continued

FRB RSSD ID:

FR Y-16
Page 13 of 18

Institution Name:

Definitions: Baseline Scenario (additional variables used beyond those supplied)
Variable Name
(CSVIS019)

Variable Definition
(CSVIS064)

11/2014

Scenario Variables Schedule—Continued

FRB RSSD ID:

FR Y-16
Page 14 of 18

Institution Name:

Definitions: Adverse Scenario (additional variables used beyond those supplied)
Variable Name
(CSVIS019)

Variable Definition
(CSVIS064)

11/2014

Scenario Variables Schedule—Continued

FRB RSSD ID:

FR Y-16
Page 15 of 18

Institution Name:

Definitions: Severely Adverse Scenario (additional variables used beyond those supplied)
Variable Name
(CSVIS019)

Variable Definition
(CSVIS064)

11/2014

Scenario Variables Schedule—Continued

FR Y-16
Page 16 of 18

FRB RSSD ID:

Institution Name:

Baseline Scenario
Variable Name
(CSVIS019)

Actual
As of 9/30
(CSVIS291)

PQ1

PQ2

PQ3

PQ4

Projected
(CSVIP009)
PQ5

PQ6

PQ7

PQ8

PQ9

11/2014

Scenario Variables Schedule—Continued

FR Y-16
Page 17 of 18

FRB RSSD ID:

Institution Name:

Adverse Scenario
Variable Name
(CSVIS019)

Actual
As of 9/30
(CSVIS291)

PQ1

PQ2

PQ3

PQ4

Projected
(CSVIP009)
PQ5

PQ6

PQ7

PQ8

PQ9

11/2014

Scenario Variables Schedule—Continued

FR Y-16
Page 18 of 18

FRB RSSD ID:

Institution Name:

Severely Adverse Scenario
Variable Name
(CSVIS019)

Actual
As of 9/30
(CSVIS291)

PQ1

PQ2

PQ3

PQ4

Projected
(CSVIP009)
PQ5

PQ6

PQ7

PQ8

PQ9

11/2014