Ongoing stress test

%RDUGRI*RYHUQRUVRIWKH)HGHUDO5HVHUYH6\VWHP OMB Number 7100-0356
)HGHUDO'HSRVLW,QVXUDQFH&RUSRUDWLRQ
O0%1XPEHU7
20%1XPEHU
2IILFHRIWKH&RPSWUROOHURIWKH&XUUHQF\
Approval expires 0RQWK''<<<<

Page 1 of 18

)HGHUDO)LQDQFLDO,QVWLWXWLRQV([DPLQDWLRQ&RXQFLO

$QQXDO'RGG)UDQN$FW&RPSDQ\5XQ6WUHVV7HVW5HSRUW
IRU'HSRVLWRU\,QVWLWXWLRQVDQG+ROGLQJ&RPSDQLHVZLWK
%LOOLRQLQ7RWDO&RQVROLGDWHG$VVHWV—)),(&
Report DVRI the close of business 'HFHPEHU 31 of each calendar year.
5HSRUWLQJ HQWLWLHV DUH H[SHFWHG WR FRPSOHWH IQFRPH
SWDWHPHQW DQG BDODQFH SKHHW VFKHGXOHV IRU HDFK UHTXLUHG
VFHQDULR² %DVHOLQH$GYHUVHDQG6HYHUHO\$GYHUVH

This report form is to be filed by HQWLWLHV WKDW PHHW D WKUHVKROG
RI JUHDWHUWKDQELOOLRQEXWOHVVWKDQELOOLRQLQWRWDOFRQVROLGDWHG
DVVHWVDVGHILQHGE\&)56XESDUW%)5%6WDWH0HPEHU
%DQNV %DQN +ROGLQJ &RPSDQLHV DQG 6DYLQJV DQG /RDQ +ROGLQJ
&RPSDQLHV  &)5  6XESDUW & )',& 6WDWH 1RQPHPEHU
%DQNV DQG 6WDWH 6DYLQJV $VVRFLDWLRQV DQG  &)5  2&&
1DWLRQDO%DQNVDQG)HGHUDO6DYLQJV$VVRFLDWLRQV.

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 \HDUWR
GDWHbasis.

T

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)).

DR
AF

All reporting entities 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)

Legal Entity Identifier (LEI) of the Reporting Entity (Report only if the reporting entity
already has an LEI.) (CSTX 9224)

7KHHVWLPDWHGDYHUDJHreportingburdenforthisinformationcollectionis469hoursperresponse,includingtimetogatherandmaintaindataintherequiredformandtoreviewinstructions
and complete the information collection. $ )HGHUDO DJHQF\ PD\ QRW FRQGXFW RU VSRQVRU DQG DQ RUJDQL]DWLRQ RU D SHUVRQ LV QRW UHTXLUHG WR UHVSRQG WR D FROOHFWLRQ RI
LQIRUPDWLRQXQOHVVLWGLVSOD\VDFXUUHQWO\YDOLG20%FRQWUROQXPEHUCommentsregardingthisburdenestimateoranyotheraspectofthisinformationcollection,includingsuggestionsfor
reducingtheburden,VKRXOGEHGLUHFWHGWRWKH2IILFHRI,QIRUPDWLRQDQG5HJXODWRU\$IIDLUV2IILFHRI0DQDJHPHQWDQG%XGJHW:DVKLQJWRQ'&DQGWRRQHRIWKHIROORZLQJ6HFUHWDU\
%RDUGRI*RYHUQRUVRIWKH)HGHUDO5HVHUYH6\VWHPWKDQG&6WUHHWV1::DVKLQJWRQ'&/HJLVODWLYHDQG5HJXODWRU\$QDO\VLV'LYLVLRQ2IILFHRIWKH&RPSWUROOHURIWKH&XUUHQF\
:DVKLQJWRQ'&$VVLVWDQW([HFXWLYH6HFUHWDU\)HGHUDO'HSRVLW,QVXUDQFH&RUSRUDWLRQ:DVKLQJWRQ'&

/201

)),(&
Page 2 of 18

Summary Schedule

2. Pre-provision net revenue . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
3. Net Income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
4. Allowance for loan and lease losses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
5. Total assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
6. Total liabilities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
7. Dividends; share repurchases; and sale,
conversion, acquisition, or retirement of capital . . . . . . . . . . . . . . . . . . . . . . .
8. Total equity capital. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
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 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
14. Pre-provision net revenue . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
15. Net Income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
16. Allowance for loan and lease losses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
17. Total assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
18. Total liabilities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

FFIEC 041
Call Report Item

Actual
As of 12/31

PQ1

BHCK4635 - BHCK4605

RIAD4635 - RIAD4605

RIAD4635 - RIAD4605

CSATN206

CSPTN206

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

See instructions
BHCKG105
BHCAP793, BHCWP793
BHCA7206, BHCW7206
BHCA7204
BHCA7205, BHCW7205

(RIADB509 + RIADB510) (RIAD4470 + RIAD4460)
RCFDG105
RCFAP793, RCFWP793
RCFA7206, RCFW7206
RCFA7204
RCFA7205, RCFW7205

(RIADB509 + RIADB510) (RIAD4470 + RIAD4460)
RCONG105
RCOAP793, RCOWP793
RCOA7206, RCOW7206
RCOA7204
RCOA7205, RCOW7205

CSATN260
CSATG105
CSATP793
CSAT7206
CSAT7204
CSAT7205

CSPTN260
CSPTG105
CSPTP793
CSPT7206
CSPT7204
CSPT7205

BHCK4635 - BHCK4605

RIAD4635 - RIAD4605

RIAD4635 - RIAD4605

CSATN206

CSPTN206

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

See instructions
BHCKG105
BHCAP793, BHCWP793
BHCA7206, BHCW7206
BHCA7204
BHCA7205, BHCW7205

(RIADB509 + RIADB510) (RIAD4470 + RIAD4460)
RCFDG105
RCFAP793, RCFWP793
RCFA7206, RCFW7206
RCFA7204
RCFA7205, RCFW7205

(RIADB509 + RIADB510) (RIAD4470 + RIAD4460)
RCONG105
RCOAP793, RCOWP793
RCOA7206, RCOW7206
RCOA7204
RCOA7205, RCOW7205

CSATN260
CSATG105
CSATP793
CSAT7206
CSAT7204
CSAT7205

CSPTN260
CSPTG105
CSPTP793
CSPT7206
CSPT7204
CSPT7205

DR

19. Dividends; share repurchases; and sale,
conversion, acquisition, or retirement of capital . . . . . . . . . . . . . . . . . . . . . . .
20. Total equity capital. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
21. Common equity tier 1 risk-based capital ratio . . . . . . . . . . . . . . . . . . . . . . . . .
22. Tier 1 risk-based capital ratio . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
23. Tier 1 leverage ratio . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
24. Total risk-based capital ratio . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Severely Adverse Scenario (CSPTP006)
25. Total loan and lease net charge-offs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

FFIEC 031
Call Report Item

PQ2

PQ3

Projected (CSPTP009)
PQ4
PQ5

PQ6

PQ7

PQ8

PQ9

T

Scenario Summaries
Baseline Scenario (CSPTP006)
1. Total loan and lease net charge-offs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

FR Y-9C Report Item

AF

Dollar Amounts in Thousands

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. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
33. Common equity tier 1 risk-based capital ratio . . . . . . . . . . . . . . . . . . . . . . . . .
34. Tier 1 risk-based capital ratio . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
35. Tier 1 leverage ratio . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
36. Total risk-based capital ratio . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

See instructions
BHCKG105
BHCAP793, BHCWP793
BHCA7206, BHCW7206
BHCA7204
BHCA7205, BHCW7205

(RIADB509 + RIADB510) (RIAD4470 + RIAD4460)
RCFDG105
RCFAP793, RCFWP793
RCFA7206, RCFW7206
RCFA7204
RCFA7205, RCFW7205

(RIADB509 + RIADB510) (RIAD4470 + RIAD4460)
RCONG105
RCOAP793, RCOWP793
RCOA7206, RCOW7206
RCOA7204
RCOA7205, RCOW7205

CSATN260
CSATG105
CSATP793
CSAT7206
CSAT7204
CSAT7205

CSPTN260
CSPTG105
CSPTP793
CSPT7206
CSPT7204
CSPT7205

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



)),(&

Baseline Scenario—Income Statement (CSPTP006)

Income Statement Impacts
Net Charge-Offs
1. First lien mortgages. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
2. Closed-end junior liens . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
3. HELOCs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Actual
As of 12/31

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

RIADJ3

RIADJ3

CSAT;;;;

CSPT;;;;

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

PQ2

PQ3

Projected (CSPTP009)
PQ4
PQ5

PQ6

PQ7

PQ8

PQ9

AF

(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 chargeoffs (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. 2WKHUWKDQWHPSRUDU\LPSDLUPHQWORVVHVRQKHOGWRPDWXULW\DQG
%+&.-
DYDLODEOHIRUVDOHGHEWVHFXULWLHVUHFRJQL]HGLQHDUQLQJV................

PQ1

T

Dollar Amounts in Thousands

Page 3 of 18

DR

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



)),(&

Baseline Scenario—Balance Sheet SFKHGXOH (CSPTP006)
FR Y-9C Report Item

Balance Sheet SFKHGXOH Impacts
Loans
1. First lien mortgages. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHDM5367
2. Closed-end junior liens . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHDM5368
3. H E L O C s . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHDM1797

FFIEC 031
Call Report Item

FFIEC 041
Call Report Item

Actual
As of 12/31

PQ1

RCON5367
RCON5368
RCON1797

RCON5367
RCON5368
RCON1797

CSAT;;;;
CSAT;;;;
CSAT;;;;

CSPT;;;;
CSPT;;;;
CSPTXXXX

BHCK1763 + BHCK1764
BHCKF158
BHCKF159
BHDM1460
BHCKF160
BHCKF161
BHCKB538
BHCKK137

RCFD1763 + RCFD1764
RCONF158
RCONF159
RCON1460
RCONF160
RCONF161
RCFDB538
RCFDK137

RCON1766
RCONF158
RCONF159
RCON1460
RCONF160
RCONF161
RCONB538
RCONK137

CSAT;;;;
CSAT;;;;
CSAT;;;;
CSAT;;;;
CSAT;;;;
CSAT;;;;
CSAT;;;;
CSAT;;;;

CSPT;;;;
CSPT;;;;
CSPT;;;;
CSPT;;;;
CSPT;;;;
CSPT;;;;
CSPT;;;;
CSPT;;;;

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

BHCKB539 + BHCKK207
See Instructions

RCFDB539 + RCFDK207
See Instructions

RCONB539 + RCONK207
See Instructions

CSAT;;;;
CSAT;;;;

CSPT;;;;
CSPT;;;;

Sum of RCONK169 to
RCFDK183
RCFD2122
RCFD3123

Sum of RCONK169 to
RCONK183
RCON2122
RCON3123

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 + RCON1737 +
RCON1742
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

SumofBHDMK169to
14. Loanscovered by FDIC losssharing agreements................ %+&..
15. Total loans and leases (sum of items 1 through ).......... BHCK2122
16. Allowance for loan and lease losses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCK3123

DR

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 in the 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 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

PQ3

Projected (CSPTP009)
PQ4
PQ5

PQ6

PQ7

PQ8

PQ9

AF

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. C r e d i t c a r d s . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
11. Automobile loans .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Securities
17. U.S. government obligations and obligations of GSEs . . . . . . . . . . . . . . . .
18.Securities issued by states and political subdivisions in the U.S. .........

PQ2

T

DollarAmounts in Thousands

Page 4 of 18



)),(&

Baseline Scenario—Balance Sheet SFKHGXOH (CSPTP006)—Continued
FR Y-9C Report Item

Balance Sheet SFKHGXOH Impacts—Continued
31. Total assets (sum of items 15, 21, 26, 27 through 30, less item 16). .

BHCK2170

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

Actual
As of 12/31

PQ1

See instructions

RCFD2170
RCON2200-RCONJ474RCON+.

RCON2170
RCON2200- RCONJ474RCON+.

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

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

RCONB993+RCONB995+
RCON3190+RCON+.+
RCONJ474
RCON3548
Seeinstructions
RCON2948
RCON3838
RCON3230+ RCON3839+
RCON3632+ RCONB530+
RCONA130+ RCON3000
RCONG105

CSATN242
CSATG105

CSPTN242
CSPTG105

BHCA3
BHCAP859
BHCA8274
BHCA5310
BHCA5311, BHCW5311
BHCA3792, BHCW3792
BHCK3210

RCFAP844
RCFAP843
RCFAP859
RCFA8274
RCFA5310
RCFA5311, RCFW5311
RCFA3792, RCFW3792
RCFD3210

RCOAP844
RCOAP843
RCOAP859
RCOA8274
RCOA5310
RCOA5311, RCOW5311
RCOA3792, RCOW3792
RCON3210

CSAT8434
CSAT5610
CSATP859
CSAT8274
CSAT5310
CSAT5311
CSAT3792
CSAT3210

CSPT8434
CSPT5610
CSPTP859
CSPT8274
CSPT5310
CSPT5311
CSPT3792
CSPT3210

BHCAA223, BHCWA223,
BHCKG641
BHCAA224
BHCAP793, BHCWP793
BHCA7206, BHCW7206
BHCA7204
BHCA7205, BHCW7205

RCFAA223, RCFWA223,
RCFDG641
RCFAA224
RCFAP793, RCFWP793
RCFA7206, RCFW7206
RCFA7204
RCFA7205, RCFW7205

RCOAA223, RCOWA223,
RCONG641
RCOAA224
RCOAP793, RCOWP793
RCOA7206, RCOW7206
RCOA7204
RCOA7205, RCOW7205

CSATA223
CSATN253
CSATP793
CSAT7206
CSAT7204
CSAT7205

CSPTA223
CSPTN253
CSPTP793
CSPT7206
CSPT7204
CSPT7205

CSATN258
CSATN259
CSAT4460

CSPTN258
CSPTN259
CSPT4460

BHCAP844

DR

48. Risk-weighted assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
49. Total assets for leverage purposes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
50. Common equity tier 1 risk-based capital ratio . . . . . . . . . . . . . . . . . . . . . . . . .
51. Tier 1 risk-based capital ratio . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
52. Tier 1 leverage ratio . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
53. Total risk-based capital ratio . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Memoranda
54. Sale, conversion, acquisition, or retirement of capital stock . . . . . . . . . . .
55. Cash dividends declared on preferred stock . . . . . . . . . . . . . . . . . . . . . . . . . .
56. Cash dividends declared on common stock. . . . . . . . . . . . . . . . . . . . . . . . . . .

FFIEC 041
Call Report Item

CSAT2170

CSPT2170

CSATN236

CSPTN236

PQ2

PQ3

Projected (CSPTP009)
PQ4
PQ5

PQ6

PQ7

PQ8

PQ9

CSATN237
CSAT3548
CSATN238
CSAT2948
CSATN239

CSPTN237
CSPT3548
CSPTN238
CSPT2948
CSPTN239

AF

38. Equity capital . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
39. Total equity capital (sum of items 37 through 38) . . . . . . . . . . . . . . . . . . .
Capital
40. Unrealized gains (losses) on AFS securities . . . . . . . . . . . . . . . . . . . . . . . . . .
41. 'HIHUUHGWD[DVVHWV........................................
42. Common equity tier 1 capital. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
43. Tier 1 capital. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
44. Allowance includible in Tier 2 capital. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
45. Tier 2 capital. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
46. Total capital . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
47. Total holding company or bank equity capital . . . . . . . . . . . . . . . . . . . . . . . . .

FFIEC 031
Call Report Item

T

DollarAmounts in Thousands

Page 5 of 18

See instructions
BHCK4598
BHCK4460

RIADB509 + RIADB510
RIAD4470
RIAD4460

RIADB509 + RIADB510
RIAD4470
RIAD4460



)),(&

Adverse Scenario—Income Statement (CSPTP006)

Income Statement Impacts
Net Charge-Offs
1. First lien mortgages. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
2. Closed-end junior liens . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
3. HELOCs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Actual
As of 12/31

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

RIADJ3

RIADJ3

CSAT;;;;

CSPT;;;;

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

PQ2

PQ3

Projected (CSPTP009)
PQ4
PQ5

PQ6

PQ7

PQ8

PQ9

AF

(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 chargeoffs (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. 2WKHUWKDQWHPSRUDU\LPSDLUPHQWORVVHVRQKHOGWRPDWXULW\DQG
%+&.-
DYDLODEOHIRUVDOHGHEWVHFXULWLHVUHFRJQL]HGLQHDUQLQJV................

PQ1

T

Dollar Amounts in Thousands

Page 6 of 18

DR

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



)),(&

Adverse Scenario—Balance Sheet 6FKHGXOH (CSPTP006)
FR Y-9C Report Item

Balance Sheet SFKHGXOH Impacts
Loans
1. First lien mortgages. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHDM5367
2. Closed-end junior liens . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHDM5368
3. H E L O C s . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHDM1797

FFIEC 031
Call Report Item

FFIEC 041
Call Report Item

Actual
As of 12/31

PQ1

RCON5367
RCON5368
RCON1797

RCON5367
RCON5368
RCON1797

CSAT;;;;
CSAT;;;;
CSAT;;;;

CSPT;;;;
CSPT;;;;
CSPTXXXX

BHCK1763 + BHCK1764
BHCKF158
BHCKF159
BHDM1460
BHCKF160
BHCKF161
BHCKB538
BHCKK137

RCFD1763 + RCFD1764
RCONF158
RCONF159
RCON1460
RCONF160
RCONF161
RCFDB538
RCFDK137

RCON1766
RCONF158
RCONF159
RCON1460
RCONF160
RCONF161
RCONB538
RCONK137

CSAT;;;;
CSAT;;;;
CSAT;;;;
CSAT;;;;
CSAT;;;;
CSAT;;;;
CSAT;;;;
CSAT;;;;

CSPT;;;;
CSPT;;;;
CSPT;;;;
CSPT;;;;
CSPT;;;;
CSPT;;;;
CSPT;;;;
CSPT;;;;

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

BHCKB539 + BHCKK207
See Instructions

RCFDB539 + RCFDK207
See Instructions

RCONB539 + RCONK207
See Instructions

CSAT;;;;
CSAT;;;;

CSPT;;;;
CSPT;;;;

Sum of RCONK169 to
RCFDK183
RCFD2122
RCFD3123

Sum of RCONK169 to
RCONK183
RCON2122
RCON3123

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 + RCON1737 +
RCON1742
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

SumofBHDMK169to
14. Loanscovered by FDIC losssharing agreements................ %+&..
15. Total loans and leases (sum of items 1 through ).......... BHCK2122
16. Allowance for loan and lease losses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCK3123

DR

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 in the 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 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

PQ3

Projected (CSPTP009)
PQ4
PQ5

PQ6

PQ7

PQ8

PQ9

AF

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. C r e d i t c a r d s . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
11. Automobile loans .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Securities
17. U.S. government obligations and obligations of GSEs . . . . . . . . . . . . . . . .
18.Securities issued by states and political subdivisions in the U.S. .........

PQ2

T

DollarAmounts in Thousands

Page 7 of 18



)),(&

Adverse Scenario—Balance Sheet 6FKHGXOH (CSPTP006)—Continued
FR Y-9C Report Item

Balance Sheet SFKHGXOH Impacts—Continued
31. Total assets (sum of items 15, 21, 26, 27 through 30, less item 16). .

BHCK2170

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

FFIEC 041
Call Report Item

Actual
As of 12/31

PQ1

See instructions

RCFD2170
RCON2200-RCONJ474RCON+.

RCON2170
RCON2200- RCONJ474RCON+.

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

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

RCONB993+RCONB995+
RCON3190+RCON+.+
RCONJ474
RCON3548
Seeinstructions
RCON2948
RCON3838
RCON3230+ RCON3839+
RCON3632+ RCONB530+
RCONA130+ RCON3000
RCONG105

CSATN242
CSATG105

CSPTN242
CSPTG105

RCFAP844
RCFAP843
RCFAP859
RCFA8274
RCFA5310
RCFA5311, RCFW5311
RCFA3792, RCFW3792
RCFD3210

RCOAP844
RCOAP843
RCOAP859
RCOA8274
RCOA5310
RCOA5311, RCOW5311
RCOA3792, RCOW3792
RCON3210

CSAT8434
CSAT5610
CSATP859
CSAT8274
CSAT5310
CSAT5311
CSAT3792
CSAT3210

CSPT8434
CSPT5610
CSPTP859
CSPT8274
CSPT5310
CSPT5311
CSPT3792
CSPT3210

RCFAA223, RCFWA223,
RCFDG641

RCOAA223, RCOWA223,
RCONG641

CSATA223

CSPTA223

RCFAA224
RCFAP793, RCFWP793
RCFA7206, RCFW7206
RCFA7204
RCFA7205, RCFW7205

RCOAA224
RCOAP793, RCOWP793
RCOA7206, RCOW7206
RCOA7204
RCOA7205, RCOW7205

CSATN253
CSATP793
CSAT7206
CSAT7204
CSAT7205

CSPTN253
CSPTP793
CSPT7206
CSPT7204
CSPT7205

CSATN258
CSATN259
CSAT4460

CSPTN258
CSPTN259
CSPT4460

CSAT2170

CSPT2170

CSATN236

CSPTN236

PQ2

PQ3

Projected (CSPTP009)
PQ4
PQ5

PQ6

PQ7

PQ8

PQ9

CSATN237
CSAT3548
CSATN238
CSAT2948
CSATN239

CSPTN237
CSPT3548
CSPTN238
CSPT2948
CSPTN239

AF

38. Equity capital . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
39. Total equity capital (sum of items 37 through 38) . . . . . . . . . . . . . . . . . . .
Capital
40. Unrealized gains (losses) on AFS securities . . . . . . . . . . . . . . . . . . . . . . . . . . BHCAP844
41. 'HIHUUHGWD[DVVHWV....................................... . BHCA3
42. Common equity tier 1 capital. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCAP859
43. Tier 1 capital. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCA8274
44. Allowance includible in Tier 2 capital. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCA5310
45. Tier 2 capital. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCA5311, BHCW5311
46. Total capital . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCA3792, BHCW3792
47. Total holding company or bank equity capital . . . . . . . . . . . . . . . . . . . . . . . . . BHCK3210

BHCAA223, BHCWA223,
BHCKG641
BHCAA224
BHCAP793, BHCWP793
BHCA7206, BHCW7206
BHCA7204
BHCA7205, BHCW7205

DR

48. Risk-weighted assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
49. Total assets for leverage purposes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
50. Common equity tier 1 risk-based capital ratio . . . . . . . . . . . . . . . . . . . . . . . . .
51. Tier 1 risk-based capital ratio . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
52. Tier 1 leverage ratio . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
53. Total risk-based capital ratio . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Memoranda
54. Sale, conversion, acquisition, or retirement of capital stock . . . . . . . . . . .
55. Cash dividends declared on preferred stock . . . . . . . . . . . . . . . . . . . . . . . . . .
56. Cash dividends declared on common stock. . . . . . . . . . . . . . . . . . . . . . . . . . .

FFIEC 031
Call Report Item

T

DollarAmounts in Thousands

Page 8 of 18

See instructions
BHCK4598
BHCK4460

RIADB509 + RIADB510
RIAD4470
RIAD4460

RIADB509 + RIADB510
RIAD4470
RIAD4460



)),(&

Severely Adverse Scenario—Income Statement (CSPTP006)

Income Statement Impacts
Net Charge-Offs
1. First lien mortgages. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
2. Closed-end junior liens . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
3. HELOCs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Actual
As of 12/31

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

RIADJ3

RIADJ3

CSAT;;;;

CSPT;;;;

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

PQ2

PQ3

Projected (CSPTP009)
PQ4
PQ5

PQ6

PQ7

PQ8

PQ9

AF

(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 chargeoffs (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. 2WKHUWKDQWHPSRUDU\LPSDLUPHQWORVVHVRQKHOGWRPDWXULW\DQG
%+&.-
DYDLODEOHIRUVDOHGHEWVHFXULWLHVUHFRJQL]HGLQHDUQLQJV................

PQ1

T

Dollar Amounts in Thousands

Page 9 of 18

DR

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



)),(&

SeverelyAdverse Scenario—Balance Sheet 6FKHGXOH (CSPTP006)
FR Y-9C Report Item

Balance Sheet SFKHGXOH Impacts
Loans
1. First lien mortgages. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHDM5367
2. Closed-end junior liens . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHDM5368
3. H E L O C s . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHDM1797

FFIEC 031
Call Report Item

FFIEC 041
Call Report Item

Actual
As of 12/31

PQ1

RCON5367
RCON5368
RCON1797

RCON5367
RCON5368
RCON1797

CSAT;;;;
CSAT;;;;
CSAT;;;;

CSPT;;;;
CSPT;;;;
CSPTXXXX

BHCK1763 + BHCK1764
BHCKF158
BHCKF159
BHDM1460
BHCKF160
BHCKF161
BHCKB538
BHCKK137

RCFD1763 + RCFD1764
RCONF158
RCONF159
RCON1460
RCONF160
RCONF161
RCFDB538
RCFDK137

RCON1766
RCONF158
RCONF159
RCON1460
RCONF160
RCONF161
RCONB538
RCONK137

CSAT;;;;
CSAT;;;;
CSAT;;;;
CSAT;;;;
CSAT;;;;
CSAT;;;;
CSAT;;;;
CSAT;;;;

CSPT;;;;
CSPT;;;;
CSPT;;;;
CSPT;;;;
CSPT;;;;
CSPT;;;;
CSPT;;;;
CSPT;;;;

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

BHCKB539 + BHCKK207
See Instructions

RCFDB539 + RCFDK207
See Instructions

RCONB539 + RCONK207
See Instructions

CSAT;;;;
CSAT;;;;

CSPT;;;;
CSPT;;;;

Sum of RCONK169 to
RCFDK183
RCFD2122
RCFD3123

Sum of RCONK169 to
RCONK183
RCON2122
RCON3123

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 + RCON1737 +
RCON1742

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

SumofBHDMK169to
14. Loanscovered by FDIC losssharing agreements................ %+&..
15. Total loans and leases (sum of items 1 through ).......... BHCK2122
16. Allowance for loan and lease losses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCK3123

DR

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 in the 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 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

PQ3

Projected (CSPTP009)
PQ4
PQ5

PQ6

PQ7

PQ8

PQ9

AF

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. C r e d i t c a r d s . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
11. Automobile loans .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Securities
17. U.S. government obligations and obligations of GSEs . . . . . . . . . . . . . . . .
18.Securities issued by states and political subdivisions in the U.S. .........

PQ2

T

DollarAmounts in Thousands

Page 10 of 18

RCON1754



)),(&

SeverelyAdverse Scenario—Balance Sheet 6FKHGXOH (CSPTP006)—Continued
FR Y-9C Report Item

Balance Sheet SFKHGXOH Impacts—Continued
31. Total assets (sum of items 15, 21, 26, 27 through 30, less item 16). .

BHCK2170

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

FFIEC 041
Call Report Item

Actual
As of 12/31

PQ1

See instructions

RCFD2170
RCON2200-RCONJ474RCON+.

RCON2170
RCON2200- RCONJ474RCON+.

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

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

RCONB993+RCONB995+
RCON3190+RCON+.+
RCONJ474
RCON3548
Seeinstructions
RCON2948
RCON3838
RCON3230+ RCON3839+
RCON3632+ RCONB530+
RCONA130+ RCON3000
RCONG105

CSATN242
CSATG105

CSPTN242
CSPTG105

RCFAP844
RCFAP843
RCFAP859
RCFA8274
RCFA5310
RCFA5311, RCFW5311
RCFA3792, RCFW3792
RCFD3210

RCOAP844
RCOAP843
RCOAP859
RCOA8274
RCOA5310
RCOA5311, RCOW5311
RCOA3792, RCOW3792
RCON3210

CSAT8434
CSAT5610
CSATP859
CSAT8274
CSAT5310
CSAT5311
CSAT3792
CSAT3210

CSPT8434
CSPT5610
CSPTP859
CSPT8274
CSPT5310
CSPT5311
CSPT3792
CSPT3210

RCFAA223, RCFWA223,
RCFDG641
RCFAA224
RCFAP793, RCFWP793
RCFA7206, RCFW7206
RCFA7204
RCFA7205, RCFW7205

RCOAA223, RCOWA223,
RCONG641
RCOAA224
RCOAP793, RCOWP793
RCOA7206, RCOW7206
RCOA7204
RCOA7205, RCOW7205

CSATA223
CSATN253
CSATP793
CSAT7206
CSAT7204
CSAT7205

CSPTA223
CSPTN253
CSPTP793
CSPT7206
CSPT7204
CSPT7205

CSATN258
CSATN259
CSAT4460

CSPTN258
CSPTN259
CSPT4460

CSAT2170

CSPT2170

CSATN236

CSPTN236

PQ2

PQ3

Projected (CSPTP009)
PQ4
PQ5

PQ6

PQ7

PQ8

PQ9

CSATN237
CSAT3548
CSATN238
CSAT2948
CSATN239

CSPTN237
CSPT3548
CSPTN238
CSPT2948
CSPTN239

AF

38. Equity capital . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
39. Total equity capital (sum of items 37 through 38) . . . . . . . . . . . . . . . . . . .
Capital
40. Unrealized gains (losses) on AFS securities . . . . . . . . . . . . . . . . . . . . . . . . . . BHCAP844
41.'HIHUUHGWD[DVVHWV....................................... .  BHCA3
42. Common equity tier 1 capital. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCAP859
43. Tier 1 capital. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCA8274
44. Allowance includible in Tier 2 capital. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCA5310
45. Tier 2 capital. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCA5311, BHCW5311
46. Total capital . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . BHCA3792, BHCW3792
47. Total holding company or bank equity capital . . . . . . . . . . . . . . . . . . . . . . . . . BHCK3210

BHCAA223, BHCWA223,
BHCKG641
BHCAA224
BHCAP793, BHCWP793
BHCA7206, BHCW7206
BHCA7204
BHCA7205, BHCW7205

DR

48. Risk-weighted assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
49. Total assets for leverage purposes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
50. Common equity tier 1 risk-based capital ratio . . . . . . . . . . . . . . . . . . . . . . . . .
51. Tier 1 risk-based capital ratio . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
52. Tier 1 leverage ratio . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
53. Total risk-based capital ratio . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Memoranda
54. Sale, conversion, acquisition, or retirement of capital stock . . . . . . . . . . .
55. Cash dividends declared on preferred stock . . . . . . . . . . . . . . . . . . . . . . . . . .
56. Cash dividends declared on common stock. . . . . . . . . . . . . . . . . . . . . . . . . . .

FFIEC 031
Call Report Item

T

DollarAmounts in Thousands

Page 11 of 18

See instructions
BHCK4598
BHCK4460

RIADB509 + RIADB510
RIAD4470
RIAD4460

RIADB509 + RIADB510
RIAD4470
RIAD4460



)),(&

Page 12 of 18

Scenario Variables Schedule

Ifadditionalscenariovariablesareused,UHSRUWLQJHQWLWLHVare
expectedto submit this schedule through the Federal Reserve
System'sReporting Central application.
https://www.frbservices.org/centralbank/reportingcentral/index.html
PleaseseetheF),(&ReportingFormInstructionsfor
instructionson completing this schedule.

DR
AF

T

Toconductthestresstestrequired,aUHSRUWLQJHQWLW\maychoose
toprojectadditionaleconomicandfinancialvariablesbeyondthe
mandatory supervisory scenarios provided to estimate losses
orrevenuesforsomeorallofitsportfolios.(DFKUHSRUWLQJHQWLW\LV
H[SHFWHG 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 UHSRUWLQJ HQWLW\must
complete the following information for each scenario where the
HQWLW\choseto useadditionalvariables.



)),(&

Scenario Variables Schedule—Continued

Page 13 of 18

Definitions: Baseline Scenario (additional variables used beyond those supplied)
Variable Definition
(CS01S064)

DR

AF

T

Variable Name
(CSVIS019)



)),(&

Scenario Variables Schedule—Continued

Page 14 of 18

Definitions: Adverse Scenario (additional variables used beyond those supplied)
Variable Definition
(CS01S064)

DR

AF

T

Variable Name
(CSVIS019)



)),(&

Scenario Variables Schedule—Continued

Page 15 of 18

Definitions: Severely Adverse Scenario (additional variables used beyond those supplied)
Variable Definition
(CS01S064)

DR

AF

T

Variable Name
(CSVIS019)



)),(&

Scenario Variables Schedule—Continued

Page 16 of 18

Baseline Scenario (CSVIP006)
Actual
As of 12/31
(CSVIS291)

PQ1

PQ2

PQ3

PQ4

Projected
(CSVIP009)
PQ5

PQ6

PQ7

PQ8

PQ9

DR

AF

T

Variable Name
(CSVIS019)



)),(&

Scenario Variables Schedule—Continued

Page 17 of 18

Adverse Scenario (CSVIP006)
Actual
As of 12/31
(CSVIS291)

PQ1

PQ2

PQ3

PQ4

Projected
(CSVIP009)
PQ5

PQ6

PQ7

PQ8

PQ9

DR

AF

T

Variable Name
(CSVIS019)



)),(&

Scenario Variables Schedule—Continued

Page 18 of 18

Severely Adverse Scenario (CSVIP006)
Actual
As of 12/31
(CSVIS291)

PQ1

PQ2

PQ3

PQ4

Projected
(CSVIP009)
PQ5

PQ6

PQ7

PQ8

PQ9

DR

AF

T

Variable Name
(CSVIS019)