FFIEC 041 FFIEC 041 Revisions Effective June 2018

Consolidated Reports of Condition and Income (Call Report)

FFIEC041 November 2017 Revision Redlined Draft

Consolidated Reports of Condition and Income (Call Report)

OMB: 3064-0052

⚠️ Notice: This form may be outdated. More recent filings and information on OMB 3064-0052 can be found here:

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FFIEC 041

Draft Reporting Form for Call Report Revisions
Proposed to Take Effect June 30, 2018

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This draft reporting form reflects the burden-reducing revisions to the FFIEC 041
Call Report proposed to take effect June 30, 2018, as described in the federal
banking agencies’ initial Paperwork Reduction Act Federal Register notice
to be published on November 8, 2017. The Federal Register notice for these
proposed Call Report revisions will be available on the
FFIEC’s web page for the FFIEC 041 Call Report. These proposed Call Report
revisions are annotated in green font in the draft reporting form.

This draft reporting form also reflects the burden-reducing revisions to the
FFIEC 041 Call Report proposed to take effect March 31, 2018, as described
in the federal banking agencies’ initial Paperwork Reduction Act Federal
Register notice published on June 27, 2017. The Federal Register notice for
these proposed Call Report revisions is available on the
FFIEC’s web page for the FFIEC 041 Call Report. These proposed Call Report
revisions are annotated in red font in the draft reporting form.

Note: This draft reporting form also includes proposed revisions to the
FFIEC 041 Call Report in response to changes in the accounting for equity
securities that take effect March 31, 2018, for certain institutions and at later
dates for other institutions. These proposed equity securities revisions are
included in the June 2017 Federal Register notice noted above. These
proposed Call Report revisions are annotated in blue font in the draft reporting
form.

Draft as of November 7, 2017

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This page intentionally left blank.

This report form is to be filed by banks with domestic offices only and total
consolidated assets of less than $100 billion, except those banks that file the
FFIEC 051.

Federal Financial Institutions Examination Council

Board of Governors of the Federal Reserve System OMB Number 7100-0036
Federal Deposit Insurance Corporation
OMB Number 3064-0052
Office of the Comptroller of the Currency
OMB Number 1557-0081
Approval expires March 31, 2020
Page 1 of 85

Consolidated Reports of Condition and Income for
a Bank with Domestic Offices Only—FFIEC 041
June 30,31,
2018
Report at the close of business March
2017

20180630
(20170331)

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

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

This report form is to be filed by banks with domestic offices only
except those banks that file the FFIEC 051. Banks with foreign
offices (as defined in the instructions) must file FFIEC 031.
schedules) for this report date have been prepared in conformance with the instructions issued by the appropriate Federal
regulatory authority and are true and correct to the best of my
knowledge and belief.

We, the undersigned directors (trustees), attest to the correctness
of the Reports of Condition and Income (including the supporting
schedules) for this report date and declare that the Reports of
Condition and Income have been examined by us and to the best
of our knowledge and belief have been prepared in conformance
with the instructions issued by the appropriate Federal regulatory
authority and are true and correct.

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NOTE: Each bank’s board of directors and senior management are
responsible for establishing and maintaining an effective system of
internal control, including controls over the Reports of Condition and
Income. The Reports of Condition and Income are to be prepared in
accordance with federal regulatory authority instructions. The Reports
of Condition and Income must be signed by the Chief Financial
Officer (CFO) of the reporting bank (or by the individual performing an
equivalent function) and attested to by not less than two directors
(trustees) for state nonmember banks and three directors for state
member banks, national banks, and savings associations.

(RCON 9999)

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

Director (Trustee)

Signature of Chief Financial Officer (or Equivalent)

Director (Trustee)

Date of Signature

Director (Trustee)

Submission of Reports

Each bank must file its Reports of Condition and Income (Call
Report) data by either:

(a) Using computer software to prepare its Call Report and then
submitting the report data directly to the FFIEC’s Central Data
Repository (CDR), an Internet-based system for data collection (https://cdr.ffiec.gov/cdr/), or
(b) Completing its Call Report in paper form and arranging with a
software vendor or another party to convert the data into the
electronic format that can be processed by the CDR. The
software vendor or other party then must electronically submit
the bank’s data file to the CDR.
For technical assistance with submissions to the CDR, please
contact the CDR Help Desk by telephone at (888) CDR-3111, by
fax at (703) 774-3946, or by e-mail at [email protected].
FDIC Certificate Number

(RSSD 9050)

To fulfill the signature and attestation requirement for the Reports
of Condition and Income for this report date, attach your bank’s
completed signature page (or a photocopy or a computer generated version of this page) to the hard-copy record of the data file
submitted to the CDR that your bank must place in its files.
The appearance of your bank’s hard-copy record of the submitted
data file need not match exactly the appearance of the FFIEC’s
sample report forms, but should show at least the caption of each
Call Report item and the reported amount.

Legal Title of Bank (RSSD 9017)
City (RSSD 9130)
State Abbreviation (RSSD 9200)

Zip Code (RSSD 9220)

Legal Entity Identifier (LEI)
(Report only if your institution already has an LEI.) (RCON 9224)
The estimated average burden associated with this information collection is 74.9 hours per respondent and is expected to vary by institution, depending on individual circumstances. Burden
estimates include the time for reviewing instructions, gathering and maintaining data in the required form, and completing the information collection, but exclude the time for compiling and
maintaining business records in the normal course of a respondent’s activities. A Federal agency may not conduct or sponsor, and an organization (or a person) is not required to respond to
a collection of information, unless it displays a currently valid OMB control number. Comments concerning the accuracy of this burden estimate and suggestions for reducing this burden
should be directed to the Office of Information and Regulatory Affairs, Office of Management and Budget, Washington, DC 20503, and to one of the following: Secretary, Board of Governors
of the Federal Reserve System, 20th and C Streets, NW, Washington, DC 20551; Legislative and Regulatory Analysis Division, Office of the Comptroller of the Currency, Washington, DC
20219; Assistant Executive Secretary, Federal Deposit Insurance Corporation, Washington, DC 20429.

03/2017

FFIEC 041
Page 2 of 85

Consolidated Reports of Condition and Income for a Bank
with Domestic Offices Only
Table of Contents

Contact Information................................................. 3, 4
Report of Income
Schedule RI—Income Statement .................... RI-1, 2, 3, 4
Schedule RI-A—Changes in Bank Equity Capital..........RI-5
Schedule RI-B—Charge-offs and Recoveries on
Loans and Leases and Changes in Allowance
for Loan and Lease Losses............................. RI-5, 6, 7

Schedule RC-G—Other Liabilities............................. RC-22
Schedule RC-K—Quarterly Averages ......................RC-23
Schedule RC-L—Derivatives and
Off-Balance-Sheet Items.......................RC-24, 25, 26, 27
Schedule RC-M—Memoranda............RC-28, 29, 30, 31, 32
Schedule RC-N—Past Due and Nonaccrual Loans,
Leases, and Other Assets ....... RC-33, 34, 35, 36, 37, 38

Schedule RC-O—Other Data for Deposit Insurance
and FICO Assessments .......... RC-39, 40, 41, 42, 43, 44

Schedule RC-P—1–4 Family Residential
Mortgage Banking Activities (to be completed
only by selected banks).......................................RC-45

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Schedule RI-C—Disaggregated Data on the
Allowance for Loan and Lease Losses
(to be completed only by selected banks) ............... RI-8

Schedule RC-F—Other Assets................................. RC-22

Signature Page ............................................................ 1

Schedule RI-E—Explanations............................... RI-9, 10
Report of Condition

Schedule RC—Balance Sheet ............................. RC-1, 2
Schedule RC-A—Cash and Balances Due
from Depository Institutions
(to be completed only by selected banks) .............. RC-3
Schedule RC-B—Securities ....................RC-3, 4, 5, 6, 7, 8

Schedule RC-Q—Assets and Liabilities Measured
at Fair Value on a Recurring Basis (to be
completed only by selected banks) ............ RC-46, 47, 48

Schedule RC-R—Regulatory Capital:
Part I. Regulatory Capital Components
and Ratios........................................... RC-49, 50, 51
Part II. Risk-Weighted
Assets.....RC-52, 53, 54, 55, 56, 57, 58, 59, 60, 61, 62

Schedule RC-C—Loans and Lease Financing
Receivables:
Part I. Loans and Leases ............... RC-9, 10, 11, 12, 13
Part II. Loans to Small Businesses and
Small Farms .............................................RC-14, 15

Schedule RC-S—Servicing, Securitization,
and Asset Sale Activities ..........................RC-63, 64, 65

Schedule RC-D—Trading Assets and Liabilities
(to be completed only by selected
banks).................................................... RC-16, 17, 18

Schedule RC-V—Variable Interest Entities ............... RC-70

Optional Narrative Statement Concerning
the Amounts Reported in the Reports
of Condition and Income ..................................... RC-71

Schedule RC-E—Deposit Liabilities ............. RC-19, 20, 21

Schedule RC-T—Fiduciary and Related
Services............................................ RC-66, 67, 68, 69

For information or assistance, national banks, state nonmember banks, and savings associations should contact the FDIC’s Data
Collection and Analysis Section, 550 17th Street, NW, Washington, DC 20429, toll free on (800) 688-FDIC(3342), Monday through
Friday between 8:00 a.m. and 5:00 p.m., Eastern Time. State member banks should contact their Federal Reserve District Bank.
03/2017

FFIEC 041
Page 3 of 85

Contact Information for the Reports of Condition and Income
To facilitate communication between the Agencies and the bank concerning the Reports of Condition and Income, please provide
contact information for (1) the Chief Financial Officer (or equivalent) of the bank signing the reports for this quarter, and (2) the person
at the bank—other than the Chief Financial Officer (or equivalent)—to whom questions about the reports should be directed. If the Chief
Financial Officer (or equivalent) is the primary contact for questions about the reports, please provide contact information for another
person at the bank who will serve as a secondary contact for communications between the Agencies and the bank concerning the
Reports of Condition and Income. Enter “none” for the contact’s e-mail address or fax number if not available. Contact information for
the Reports of Condition and Income is for the confidential use of the Agencies and will not be released to the public.

Other Person to Whom Questions about the
Reports Should be Directed

Name (TEXT C490)

Name (TEXT C495)

Title (TEXT C491)

E-mail Address (TEXT C492)

Title (TEXT C496)

E-mail Address (TEXT 4086)

Area Code / Phone Number / Extension (TEXT 8902)

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Area Code / Phone Number / Extension (TEXT C493)

Chief Financial Officer (or Equivalent)
Signing the Reports

Area Code / FAX Number (TEXT C494)

Area Code / FAX Number (TEXT 9116)

Chief Executive Officer Contact Information

This information is being requested so the Agencies can distribute notifications about policy initiatives, deposit insurance
assessments, and other matters directly to the Chief Executive Officers of reporting institutions. Notifications about other matters
may include emergency notifications that may or may not also be sent to the institution's emergency contacts listed below. Please
provide contact information for the Chief Executive Officer of the reporting institution. Enter "none" for the Chief Executive Officer's
e-mail address or fax number if not available. Chief Executive Officer contact information is for the confidential use of the Agencies
and will not be released to the public.

Chief Executive Officer
Name (TEXT FT42)

Area Code / Phone Number / Extension (TEXT FT43)

E-mail Address (TEXT FT44)

Area Code / FAX Number (TEXT FT45)

Emergency Contact Information

This information is being requested so the Agencies can distribute critical, time-sensitive information to emergency contacts at banks.
Please provide primary contact information for a senior official of the bank who has decision-making authority. Also provide information
for a secondary contact if available. Enter “none” for the contact’s e-mail address or fax number if not available. Emergency contact
information is for the confidential use of the Agencies and will not be released to the public.

Primary Contact

Secondary Contact

Name (TEXT C366)

Name (TEXT C371)

Title (TEXT C367)

Title (TEXT C372)

E-mail Address (TEXT C368)

E-mail Address (TEXT C373)

Area Code / Phone Number / Extension (TEXT C369)

Area Code / Phone Number / Extension (TEXT C374)

Area Code / FAX Number (TEXT C370)

Area Code / FAX Number (TEXT C375)

09/2016

FFIEC 041
Page 4 of 85

USA PATRIOT Act Section 314(a) Anti-Money Laundering Contact Information
This information is being requested to identify points-of-contact who are in charge of your bank’s USA PATRIOT Act Section 314(a)
information requests. Bank personnel listed could be contacted by law enforcement officers or the Financial Crimes Enforcement
Network (FinCEN) for additional information related to specific Section 314(a) search requests or other anti-terrorist financing and antimoney-laundering matters. Communications sent by FinCEN to the bank for purposes other than Section 314(a) notifications will state
the intended purpose and should be directed to the appropriate bank personnel for review. Any disclosure of customer records to law
enforcement officers or FinCEN must be done in compliance with applicable law, including the Right to Financial Privacy Act (12
U.S.C. 3401 et seq.).
Please provide information for a primary and secondary contact. Information for a third and fourth contact may be provided at the
bank’s option. Enter “none” for the contact’s e-mail address if not available. This contact information is for the confidential use of the
Agencies, FinCEN, and law enforcement officers and will not be released to the public.

Name (TEXT C437)

Name (TEXT C442)

Title (TEXT C443)

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Title (TEXT C438)

Secondary Contact

Primary Contact

E-mail Address (TEXT C444)

Area Code / Phone Number / Extension (TEXT C440)

Area Code / Phone Number / Extension (TEXT C445)

Third Contact

Fourth Contact

Name (TEXT C870)

Name (TEXT C875)

Title (TEXT C871)

Title (TEXT C876)

E-mail Address (TEXT C872)

E-mail Address (TEXT C877)

Area Code / Phone Number / Extension (TEXT C873)

Area Code / Phone Number / Extension (TEXT C878)

E-mail Address (TEXT C439)

06/2012

FFIEC 041
Page 5 of 85
RI-1

Consolidated Report of Income
2018
2018 June 30,31,
for the period January 1, 2017–March
2017
Schedule RI—Income Statement
Dollar Amounts in Thousands RIAD

4435
4436
4012

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

B485

1.a.(3)(a)

B486

1.a.(3)(b)

4058
4010
4065
4115

1.a.(5)
1.a.(6)
1.b.
1.c.

B488
B489

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

4060

1.d.(3)

4020
4518
4107

1.f.
1.g.
1.h.

4508

2.a.(1)

0093

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

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1. Interest income:
a. Interest and fee income on loans:
(1) Loans secured by real estate:
(a) Loans secured by 1– 4 family residential properties ..............................................
(b) All other loans secured by real estate ................................................................
(2) Commercial and industrial loans ...........................................................................
(3) Loans to individuals for household, family, and other personal expenditures:
(a) Credit cards .................................................................................................
(b) Other (includes revolving credit plans other than credit cards, automobile loans, and
other consumer loans) ...................................................................................
(4) Not applicable
(5) All other loans1 ..................................................................................................
(6) Total interest and fee income on loans (sum of items 1.a.(1)(a) through 1.a.(5)) .............
b. Income from lease financing receivables.....................................................................
c. Interest income on balances due from depository institutions2 .........................................
d. Interest and dividend income on securities:
(1) U.S. Treasury securities and U.S. Government agency obligations
(excluding mortgage-backed securities) .................................................................
(2) Mortgage-backed securities .................................................................................
(3) All other securities (includes securities issued by states and political
subdivisions in the U.S.)......................................................................................
e. Not applicable
f. Interest income on federal funds sold and securities purchased under agreements to resell ........
g. Other interest income .............................................................................................
h. Total interest income (sum of items 1.a.(6) through 1.g) .................................................
2. Interest expense:
a. Interest on deposits:
(1) Transaction accounts (interest-bearing demand deposits, NOW accounts, ATS accounts,
and telephone and preauthorized transfer accounts).................................................
(2) Nontransaction accounts:
(a) Savings deposits (includes MMDAs)..................................................................
(b) Time deposits of $250,000 or less ..................................................................
(c) Time deposits of more than $250,000 .............................................................
b. Expense of federal funds purchased and securities sold under agreements to repurchase ....
c. Interest on trading liabilities and other borrowed money .................................................

Amount

HK03
HK04
4180
4185

1. Includes interest and fee income on "Loans to depository institutions and acceptances of other banks," "Loans to finance agricultural production and
other loans to farmers," "Obligations (other than securities and leases) of states and political subdivisions in the U.S.," and "Loans to nondepository
financial institutions and other loans."
2. Includes interest income on time certificates of deposit not held for trading.

03/2017

FFIEC 041
Page 6 of 85
RI-2

Schedule RI—Continued
Year-to-date

Dollar Amounts in Thousands RIAD

Amount

4200
4073

4070
4080
A220
C886

2. Interest expense (continued):
d. Interest on subordinated notes and debentures ...............................................................
e. Total interest expense (sum of items 2.a through 2.d) .......................................................
3. Net interest income (item 1.h minus 2.e) ........................................... 4074
4. Provision for loan and lease losses .................................................. 4230
5. Noninterest income:
a. Income from fiduciary activities1 ...................................................................................
b. Service charges on deposit accounts ............................................................................
c. Trading revenue2 ......................................................................................................
d. (1) Fees and commissions from securities brokerage .......................................................
(2) Investment banking, advisory, and underwriting fees and commissions ...........................
(3) Fees and commissions from annuity sales .................................................................
(4) Underwriting income from insurance and reinsurance activities ......................................
(5) Income from other insurance activities ......................................................................
e. Venture capital revenue .............................................................................................
f. Net servicing fees .....................................................................................................
g. Net securitization income............................................................................................
h. Not applicable
i. Net gains (losses) on sales of loans and leases...............................................................
j. Net gains (losses) on sales of other real estate owned ......................................................
k. Net gains (losses) on sales of other assets3 ....................................................................
l. Other noninterest income* ..........................................................................................
m. Total noninterest income (sum of items 5.a through 5.l).................... 4079
6. a. Realized gains (losses) on held-to-maturity securities ....................... 3521
b. Realized gains (losses) on available-for-sale securities ..................... 3196
7. Noninterest expense:
a. Salaries and employee benefits ...................................................................................
b. Expenses of premises and fixed assets (net of rental income)
(excluding salaries and employee benefits and mortgage interest) ......................................
c. (1) Goodwill impairment losses ....................................................................................
(2) Amortization expense and impairment losses for other intangible assets ..........................
d. Other noninterest expense*.........................................................................................
e. Total noninterest expense (sum of items 7.a through 7.d) .................. 4093
8. Income (loss) before applicable income taxes and discontinued
operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) ............ 4301
8.c
4302
9. Applicable income taxes (on item 8) .................................................

C888
C887
C386
C387
B491

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B492
B493

10. Income (loss) before discontinued operations (item 8 minus item 9) ........
11. Discontinued operations, net of applicable income taxes* .....................
12. Net income (loss) attributable to bank and noncontrolling (minority)
interests (sum of items 10 and 11) ...................................................
13. LESS: Net income (loss) attributable to noncontrolling (minority) interests
(if net income, report as a positive value; if net loss, report as a
negative value) ............................................................................
14. Net income (loss) attributable to bank (item 12 minus item 13)...............

5416
5415
B496

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

B497

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

4135

7.a.

4217
C216

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

C232
4092

4300
FT28

8.
9.
10.
11.

G104

12.

G103

13.
14.

4340

Replace item 8 with INSERT A

*Describe on Schedule RI-E—Explanations.

1. For banks required to complete Schedule RC-T, items 14 through 22, income from fiduciary activities reported in Schedule RI, item 5.a, must equal
the amount reported in Schedule RC-T, item 22.
2. For banks required to complete Schedule RI, Memorandum item 8, trading revenue reported in Schedule RI, item 5.c, must equal the sum of
Memorandum items 8.a through 8.e.
3. Exclude net gains (losses) on sales of trading assets and held-to-maturity and available-for-sale securities.

03/2017

Insert A
SCHEDULE RI, REVISED ITEM 8
8.a. Income (loss) before unrealized holding gains (losses) on equity securities
not held for trading, applicable income taxes, and discontinued operations
(item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) .......................................
b. Unrealized holding gains (losses) on equity securities not held for
.....
c. Income (loss) before applicable income taxes and discontinued operations
(sum of items 8.a and 8.b) .................................................................................
4

XXXX

8.a.

XXXX

8.b.

4301

8.c.

trading4

Item 8.b is to be completed only by institutions that have adopted ASU 2016-01, which includes provisions

governing the accounting for investments in equity securities. See the instructions for further detail on ASU

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2016-01.

FFIEC 041
Page 7 of 85
RI-3

Schedule RI—Continued
Memoranda
Dollar Amounts in Thousands RIAD
1. Interest expense incurred to carry tax-exempt securities, loans, and leases acquired after
August 7, 1986, that is not deductible for federal income tax purposes ................................ 4513
Memorandum item 2 is to be completed by banks with $1 billion or more in total assets

8431

M.2.

4313

M.3.

•
•

M.1.

2. Income from the sale and servicing of mutual funds and annuities
(included in Schedule RI, item 8) .................................................................................
3. Income on tax-exempt loans and leases to states and political subdivisions in the U.S.
(included in Schedule RI, items 1.a and 1.b) ..................................................................
4. Income on tax-exempt securities issued by states and political subdivisions in the U.S.
(included in Schedule RI, item 1.d.(3)) ..........................................................................
5. Number of full-time equivalent employees at end of current period
(round to nearest whole number) .................................................................................
Memorandum item 6 is to be completed by: 1

Year-to-date
Amount

Number

4150

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banks with $300 million or more in total assets, and
banks with less than $300 million in total assets that have loans to finance agricultural product
and other loans to farmers (Schedule RC-C, Part I, item 3) exceeding 5 percent of total loans
6. Interest and fee income on loans to finance agricultural production and other loans to farmers
(included in Schedule RI, item 1.a.(5)) ..........................................................................
7. If the reporting institution has applied push down accounting this calendar year, report the date
of the institution's acquisition (see instructions)2 .............................................................
8. Trading revenue (from cash instruments and derivative instruments) (sum of Memorandum
items 8.a through 8.e must equal Schedule RI, item 5.c): Not applicable

4507

Memorandum items 8.a through 8.e are to be completed by banks that reported average
trading assets (Schedule RC-K, item 7) of $10 million or more for any quarter of the
preceding calendar year.

a. Interest rate exposures ..........................................................................................
b. Foreign exchange exposures ..................................................................................
c. Equity security and index exposures .........................................................................
d. Commodity and other exposures ..............................................................................
e. Credit exposures ..................................................................................................

M.4.

M.5.

Amount

4024
RIAD
9106

Date

RIAD

Amount

M.6.
M.7.

8757

F186

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

FT36
FT37

M.8. f.(1)
M.8. f.(2)

FT38

M.8.g.(1)
M.8.g.(2)
M.8.h

8758
8759
8760

Memorandum items 8.f through 8.h are to be completed by banks with $100 billion or more in
total assets that are required to complete Schedule RI, Memorandum items 8.a through 8.e,
above.1

f. Impact on trading revenue of changes in the creditworthiness of the bank’s derivatives
counterparties on the bank’s derivative assets (year-to-date changes)
(included in Memorandum items 8.a through 8.e above):
(1) Gross credit valuation adjustment (CVA) ...........................................................
(2) CVA hedge.....................................................................................................
g. Impact on trading revenue of changes in the creditworthiness of the bank on the
bank’s derivative liabilities (year-to-date changes)
(included in Memorandum items 8.a through 8.e above):
(1) Gross debit valuation adjustment (DVA) ............................................................
(2) DVA hedge.....................................................................................................
h. Gross trading revenue, before including positive or negative net CVA and net DVA ....

FT39
FT40

June 30,
1, 2017,
1. The asset size tests and the 5 percent of total loans test are based on the total assets and total loans reported in the June
2016,
Report of Condition.
2. Report the date in YYYYMMDD format. For example, a bank acquired on March
2017, would report 20170301.
June 1,1,2018,
20180601.

03/2017

FFIEC 041
Page 8 of 85
RI-4

Schedule RI—Continued
Memoranda—Continued
Dollar Amounts in Thousands
Memorandum items 9.a and 9.b are to be completed by banks with $10 billion or more
in total assets.1

RIAD

Year-to-date
Amount

M.9.a.
M.9.b.
M.10.
No

9. Net gains (losses) recognized in earnings on credit derivatives that economically hedge credit
exposures held outside the trading account:
a. Net gains (losses) on credit derivatives held for trading ................................................. C889
b. Net gains (losses) on credit derivatives held for purposes other than trading ..................... C890
10. To be completed by banks with $300 million or more in total assets:1
Credit losses on derivatives (see instructions) ................................................................ A251
11. Does the reporting bank have a Subchapter S election in effect for federal income tax purposes RIAD Yes
for the current tax year?............................................................................................. A530

M.11.

Memorandum item 12 is to be completed by banks that are required to complete Schedule
RC-C, Part I, Memorandum items 8.b and 8.c. and is to be completed semiannually in the June and December reports only.
F228

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

M.12.

Memorandum item 13 is to be completed by banks that have elected to account for assets
and liabilities under a fair value option.

13. Net gains (losses) recognized in earnings on assets and liabilities that are reported at fair
value under a fair value option:
a. Net gains (losses) on assets ...................................................................................
(1) Estimated net gains (losses) on loans attributable to changes in instrument-specific
credit risk........................................................................................................
b. Net gains (losses) on liabilities .................................................................................
(1) Estimated net gains (losses) on liabilities attributable to changes in instrument-specific
credit risk........................................................................................................
14. Other-than-temporary impairment losses on held-to-maturity and available-for-sale debt
securities recognized in earnings (included in Schedule RI, items 6.a and 6.b) ....................

F551

M.13.a.

F552
F553

M.13.a.(1)
M.13.b.

F554

M.13.b.(1)

J321

M.14.

H032

M.15.a.

H033

M.15.b.

H034
H035

M.15.c.
M.15.d.

Memorandum item 15 is to be completed by institutions with $1 billion or more in total assets1 that
answered "Yes" to Schedule RC-E, Memorandum item 5.

15. Components of service charges on deposit accounts in domestic offices (sum of
Memorandum items 15.a through 15.d must equal Schedule RI, item 5.b):
a. Consumer overdraft-related service charges levied on those transaction
account and nontransaction savings account deposit products intended primarily
for individuals for personal, household, or family use ....................................................
b. Consumer account periodic maintenance charges levied on those transaction
account and nontransaction savings account deposit products intended primarily
for individuals for personal, household, or family use ....................................................
c. Consumer customer automated teller machine (ATM) fees levied on those transaction
account and nontransaction savings account deposit products intended primarily
for individuals for personal, household, or family use ....................................................
d. All other service charges on deposit accounts .............................................................

2017, Report of Condition.
1. The asset size tests are based on the total assets reported on the June 30, 2016,

03/2017

FFIEC 041
Page 9 of 85
RI-5

Schedule RI-A—Changes in Bank Equity Capital
RIAD

Amount

3217

B507

2.
3.
4.

B508
4340
B509
B510
4356
4470
4460
B511

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

4415

11.

3210

12.

R
AF

Dollar Amounts in Thousands
2017, Reports of
1. Total bank equity capital most recently reported for the December 31, 2016,
Condition and Income (i.e., after adjustments from amended Reports of Income) ..................
2. Cumulative effect of changes in accounting principles and corrections of material accounting
errors* ...................................................................................................................
3. Balance end of previous calendar year as restated (sum of items 1 and 2) ...........................
4. Net income (loss) attributable to bank (must equal Schedule RI, item 14).............................
5. Sale, conversion, acquisition, or retirement of capital stock, net
(excluding treasury stock transactions) .........................................................................
6. Treasury stock transactions, net ..................................................................................
7. Changes incident to business combinations, net .............................................................
8. LESS: Cash dividends declared on preferred stock .........................................................
9. LESS: Cash dividends declared on common stock ..........................................................
10. Other comprehensive income1 ....................................................................................
11. Other transactions with stockholders (including a parent holding company)*
(not included in items 5, 6, 8, or 9 above) ......................................................................
12. Total bank equity capital end of current period (sum of items 3 through 11)
(must equal Schedule RC, item 27.a) ...........................................................................

*Describe on Schedule RI-E—Explanations.

1. Includes, but is not limited to, changes in net unrealized holding gains (losses) on available-for-sale securities, changes in accumulated net gains
(losses) on cash flow hedges, and pension and other postretirement plan-related changes other than net periodic benefit cost.

Schedule RI-B—Charge-offs and Recoveries on Loans and Leases
and Changes in Allowance for Loan and Lease Losses
Part I. Charge-offs and Recoveries on Loans and Leases
Part I includes charge-offs and recoveries through
the allocated transfer risk reserve.

(Column A)
Charge-offs1

(Column B)
Recoveries

Calendar Year-to-date

Dollar Amounts in Thousands RIAD

1. Loans secured by real estate:
a. Construction, land development, and other land loans:
(1) 1–4 family residential construction loans ...............................
(2) Other construction loans and all land development and other
land loans .......................................................................
b. Secured by farmland .............................................................
c. Secured by 1–4 family residential properties:
(1) Revolving, open-end loans secured by 1– 4 family residential
properties and extended under lines of credit ..........................
(2) Closed-end loans secured by 1– 4 family residential properties:
(a) Secured by first liens ....................................................
(b) Secured by junior liens ..................................................
d. Secured by multifamily (5 or more) residential properties...............
e. Secured by nonfarm nonresidential properties:
(1) Loans secured by owner-occupied nonfarm nonresidential
properties ........................................................................
(2) Loans secured by other nonfarm nonresidential properties ........
2. and 3. Not applicable
4. Commercial and industrial loans ..................................................

Amount

RIAD

Amount

C891

C892

1.a.(1)

C893

C894

3584

3585

1.a.(2)
1.b.

5411

5412

1.c.(1)

C234
C235
3588

C217
C218
3589

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

C895
C897

C896
C898

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

4638

4608

1. Include write-downs arising from transfers of loans to a held-for-sale account.
03/2017

FFIEC 041
Page 10 of 85
RI-6

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

Calendar Year-to-date
Amount
RIAD
Amount

B514

B515

K129

K133

5.a.
5.b.

K205

K206

5.c.

4644
4266

4628
4267

4635

4605

7.
8.
9.

Dollar Amounts in Thousands
5. Loans to individuals for household, family, and other personal expenditures:
a. Credit cards ...............................................................................
b. Automobile loans ........................................................................
c. Other (includes revolving credit plans other than credit cards and
other consumer loans) .................................................................
6. Not applicable
7. All other loans2 ..............................................................................
8. Lease financing receivables .............................................................
9. Total (sum of items 1 through 8) ........................................................

(Column B)
Recoveries

R
AF

1. Include write-downs arising from transfers of loans to a held-for-sale account.
2. Includes charge-offs and recoveries on “Loans to depository institutions and acceptances of other banks,” "Loans to finance agricultural
production and other loans to farmers," "Obligations (other than securities and leases) of states and political subdivisions in the U.S.,"
and "Loans to nondepository financial institutions and other loans."

(Column A)
Charge-offs1

Memoranda

(Column B)
Recoveries

RIAD

Calendar Year-to-date
Amount
RIAD
Amount

5409

5410

M.1.

4652

4662

M.2.a.

4646

4618

M.2.c.

F185

F187

M.2.d.

Loans to finance agricultural production and other loans to farmers
(included in Schedule RI-B, Part I, item 7, above) ................................. 4655

4665

M.3.

Dollar Amounts in Thousands
1. Loans to finance commercial real estate, construction, and land
development activities (not secured by real estate) included in
Schedule RI-B, Part I, items 4 and 7, above ........................................
2. Memorandum items 2.a. through 2.d. are to be completed by banks with
$300 million or more in total assets:2
a. Loans secured by real estate to non-U.S. addressees (domicile)
(included in Schedule RI-B, Part I, item 1, above) ..............................
b. Not applicable
c. Commercial and industrial loans to non-U.S. addressees (domicile)
(included in Schedule RI-B, Part I, item 4 above) ...............................
d. Leases to individuals for household, family, and other personal
expenditures (included in Schedule RI-B, Part I, item 8, above) ............
3. Memorandum item 3 is to be completed by: 2
• banks with $300 million or more in total assets, and
• banks with less than $300 million in total assets that have loans to
finance agricultural production and other loans to farmers
(Schedule RC-C, Part I, item 3) exceeding 5 percent of total loans:

Memorandum item 4 is to be completed by banks that (1) together with affiliated institutions, have
outstanding credit card receivables (as defined in the instructions) that exceed $500 million as of the report
date, or (2) are credit card specialty banks as defined for Uniform Bank Performance Report purposes.

Calendar Year-to-date
Amount

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

M.4.

1. Include write-downs arising from transfers of loans to a held-for-sale account.
2. The $300 million asset size test and the 5 percent of total loans test are based on the total assets and total loans reported on the
2017, Report of Condition.
June 30, 2016,

03/2017

FFIEC 041
Page 11 of 85
RI-7

Schedule RI-B—Continued
Part II. Changes in Allowance for Loan and Lease Losses

*Describe on Schedule RI-E—Explanations.
Memoranda

RIAD

Amount

B522

5523
4230
C233

1.
2.
3.
4.
5.
6.

3123

4605
C079

Dollar Amounts in Thousands
2017, Reports of Condition and Income
1. Balance most recently reported for the December 31, 2016,
(i.e., after adjustments from amended Reports of Income) ........................................................
2. Recoveries (must equal Part I, item 9, column B, above) ..........................................................
3. LESS: Charge-offs (must equal Part I, item 9, column A, above less Schedule RI-B, Part II, item 4) ..
4. LESS: Write-downs arising from transfers of loans to a held-for-sale account ...............................
5. Provision for loan and lease losses (must equal Schedule RI, item 4)..........................................
6. Adjustments* (see instructions for this schedule) ....................................................................
7. Balance end of current period (sum of items 1, 2, 5, and 6, less items 3 and 4)
(must equal Schedule RC, item 4.c) .....................................................................................

R
AF

Dollar Amounts in Thousands RIAD
1. Allocated transfer risk reserve included in Schedule RI-B, Part II, item 7, above ............................ C435

Amount

M.1.

Memorandum items 2 and 3 are to be completed by banks that (1) together with affiliated institutions, have
outstanding credit card receivables (as defined in the instructions) that exceed $500 million as of the report
date, or (2) are credit card specialty banks as defined for Uniform Bank Performance Report purposes.

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

M.2.
M.3.

Memorandum item 4 is to be completed by all banks.

M.4.

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

03/2017

FFIEC 041
Page 12 of 85
RI-8

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

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

RCON

M708
M714
M721
M727
M733
M739

M746

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

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

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

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

AF
T

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

RCON

Amount

RCON

Amount

RCON

Amount

RCON

Amount

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

Amount

M709

M710

M711

M712

M713

1.a.

M715

M716

M717

M719

M720

1.b.

M722

M723

M724

M725

M726

M728

M729

M730

M731

M732

M734
M740

M735
M741

M736
M742
M745

M737
M743

M738
M744

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

M747

M748

M749

M750

M751

D
R

1. The $1 billion asset size test is based on the total assets reported on the June 30, 2016,
2017, Report of Condition.
2. Include all loans and leases not reported as real estate loans, credit cards, or other consumer loans in items 1, 3, or 4 of Schedule RI-C.
3. The sum of item 6, columns B, D, and F, must equal Schedule RC, item 4.c. Item 6, column E, must equal Schedule RC-C, Part I, Memorandum item 7.b. Item 6, column F, must equal
Schedule RI-B, Part II, Memorandum item 4.

03/2017

FFIEC 041
Page 13 of 85
RI-9

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

C013
C014
C016
4042
C015

7 percent
1. Other noninterest income (from Schedule RI, item 5.l)
Itemize and describe amounts greater than $100,000 that exceed 3 percent of Schedule RI, item 5.l:
a. Income and fees from the printing and sale of checks ........................................................
b. Earnings on/increase in value of cash surrender value of life insurance.................................
c. Income and fees from automated teller machines (ATMs)...................................................
d. Rent and other income from other real estate owned .........................................................
e. Safe deposit box rent ..................................................................................................
f. Net change in the fair values of financial instruments accounted for under a fair value option.....
f. g. Bank card and credit card interchange fees .....................................................................
h. Gains on bargain purchases.........................................................................................
g. i. Income and fees from wire transfers not reportable as service charges on deposit accounts......
TEXT
h. j. 4461
TEXT
i. k. 4462
TEXT
j. l. 4463
7 percent
2. Other noninterest expense (from Schedule RI, item 7.d)
Itemize and describe amounts greater than $100,000 that exceed 3 percent of Schedule RI, item 7.d:
a. Data processing expenses ...........................................................................................
b. Advertising and marketing expenses ..............................................................................
c. Directors' fees ...........................................................................................................
d. Printing, stationery, and supplies ...................................................................................
e. Postage ...................................................................................................................
f. Legal fees and expenses .............................................................................................
g. FDIC deposit insurance assessments ............................................................................
h. Accounting and auditing expenses ................................................................................
i. Consulting and advisory expenses.................................................................................
j. Automated teller machine (ATM) and interchange expenses ...............................................
k. Telecommunications expenses .....................................................................................
l. Other real estate owned expenses.................................................................................
m. Insurance expenses (not included in employee expenses, premises and fixed asset expenses,
and other real estate owned expenses) ..........................................................................
TEXT
n. 4464
TEXT
o. 4467
TEXT
p. 4468
3. Discontinued operations and applicable income tax effect (from Schedule RI, item 11)
(itemize and describe each discontinued operation):
TEXT
a. (1) FT29
(2) Applicable income tax effect ................................................... FT30
TEXT
b. (1) FT31
(2) Applicable income tax effect ................................................... FT32

Year-to-date
Amount

F229
F555
J447

R
AF

T047
4461
4462
4463

C017
0497
4136
C018
8403
4141
4146

F556
F557
F558
F559
Y923
Y924
4464
4467
4468

FT29
FT31

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

2.a.
2.b.
2.c.
2.d.
2.e.
2. f.
2.g.
2.h.
2. i.
2. j.
2.k.
2. l.
2.m.
2.n.
2.o.
2.p.

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

03/2017

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Page 14 of 85
RI-10

Schedule RI-E—Continued
Year-to-date
RIAD

Amount

B526
B527

4.a.
4.b.

4498
4499

5.a.
5.b.

Dollar Amounts in Thousands
4. Cumulative effect of changes in accounting principles and corrections of material accounting errors
(from Schedule RI-A, item 2) (itemize and describe all such effects):
TEXT
a.
B526
TEXT
b.
B527
5. Other transactions with stockholders (including a parent holding company)
(from Schedule RI-A, item 11) (itemize and describe all such transactions):
TEXT
a.
4498
TEXT
b.
4499
6. Adjustments to allowance for loan and lease losses (from Schedule RI-B, Part II, item 6)
(itemize and describe all adjustments):
TEXT
a.
4521
TEXT
b.
4522
7. Other explanations (the space below is provided for the bank to briefly describe, at its option, any
other significant items affecting the Report of Income):
Comments? .....................................................................................................................

4521
4522

RIAD Yes
4769

6.a.
6.b.

R
AF

Other explanations (please type or print clearly; 750 character limit):

(TEXT 4769)

03/2014

FFIEC 041
Page 15 of 85
RC-1

Consolidated Report of Condition for Insured Banks
June 30,31,
2018
and Savings Associations for March
2017
All schedules are to be reported in thousands of dollars. Unless otherwise indicated, report the amount outstanding as of the
last business day of the quarter.

Schedule RC—Balance Sheet
2.c.

A511
RCON

Amount

0081
0071

2.c. Equity securities with readily determinable fair values not held for trading8............................
Dollar Amounts in Thousands
Assets
1. Cash and balances due from depository institutions (from Schedule RC-A):
a. Noninterest-bearing balances and currency and coin1 ...............................................
b. Interest-bearing balances2 ..................................................................................
2. Securities:
a. Held-to-maturity securities (from Schedule RC-B, column A) ......................................
b. Available-for-sale securities (from Schedule RC-B, column D) ....................................
3. Federal funds sold and securities purchased under agreements to resell:
a. Federal funds sold ............................................................................................
b. Securities purchased under agreements to resell3 ....................................................
4. Loans and lease financing receivables (from Schedule RC-C):
a. Loans and leases held for sale ............................................................................
b. Loans and leases held for investment ........................... B528
c. LESS: Allowance for loan and lease losses .................... 3123
d. Loans and leases held for investment, net of allowance (item 4.b minus 4.c) .................
5. Trading assets (from Schedule RC-D) ......................................................................
6. Premises and fixed assets (including capitalized leases) ..............................................
7. Other real estate owned (from Schedule RC-M)..........................................................
8. Investments in unconsolidated subsidiaries and associated companies ...........................
9. Direct and indirect investments in real estate ventures .................................................
10. Intangible assets: (from Schedule RC-M)
a. Goodwill..........................................................................................................
b. Other intangible assets (from Schedule RC-M)........................................................
11. Other assets (from Schedule RC-F) .........................................................................
12. Total assets (sum of items 1 through 11) ...................................................................

1754
1773

B987
B989

R
AF

5369

Liabilities
13. Deposits:
a. In domestic offices (sum of totals of columns A and C from Schedule RC-E) .................
(1) Noninterest-bearing4 ............................................. 6631
(2) Interest-bearing.................................................... 6636
b. Not applicable
14. Federal funds purchased and securities sold under agreements to repurchase:
a. Federal funds purchased5 ...................................................................................
b. Securities sold under agreements to repurchase6 ....................................................
15. Trading liabilities (from Schedule RC-D)....................................................................
16. Other borrowed money (includes mortgage indebtedness and obligations under
capitalized leases) (from Schedule RC-M) .................................................................
17. and 18. Not applicable
19. Subordinated notes and debentures7 ........................................................................
20. Other liabilities (from Schedule RC-G) ......................................................................
21. Total liabilities (sum of items 13 through 20) ..............................................................
22. Not applicable

B529
3545
2145
2150

2130
3656
2143
3163
0426
2160
2170

1.a.
1.b.
2.a.
2.b.
3.a.
3.b.
4.a.
4.b.
4.c.
4.d.
5.
6.
7.
8.
9.
10.

10.a. *
10.b.
11.
12.

2200

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

B993
B995
3548

14.a.
14.b.
15.

3190

16.

3200

19.
20.
21.

2930
2948

1. Includes cash items in process of collection and unposted debits.
2. Includes time certificates of deposit not held for trading.
3. Includes all securities resale agreements, regardless of maturity.
4. Includes noninterest-bearing demand, time, and savings deposits.
5. Report overnight Federal Home Loan Bank advances in Schedule RC, item 16, "Other borrowed money."
6. Includes all securities repurchase agreements, regardless of maturity.
7. Includes limited-life preferred stock and related surplus.
8. Item 2.c is to be completed only by institutions that have adopted ASU 2016-01, which includes provisions governing the accounting for investments in
equity securities. See the instructions for further detail on ASU 2016-01.
* Goodwill (MDRM RCON3163) is moving to Schedule RC-M.

03/2017

FFIEC 041
Page 16 of 85
RC-2

Schedule RC—Continued

Memoranda

RCON

Amount

3838

B530
A130
3210
3000
G105
3300

R
AF

To be reported with the March Report of Condition.
1. Indicate in the box at the right the number of the statement below that best describes the most
RCON
comprehensive level of auditing work performed for the bank by independent external auditors as of
2017 .............................................................................................................. 6724
any date during 2016
1a = An integrated audit of the reporting institution's financial
statements and its internal control over financial reporting
conducted in accordance with the standards of the
American Institute of Certified Public Accountants (AICPA)
or Public Company Accounting Oversight Board (PCAOB)
by an independent public accountant that submits a report
on the institution
1b = An audit of the reporting institution's financial statements
only conducted in accordance with the auditing standards
of the AICPA or the PCAOB by an independent public
accountant that submits a report on the institution
2a = An integrated audit of the reporting institution's parent
holding company's consolidated financial statements and
its internal control over financial reporting conducted in
accordance with the standards of the AICPA or the PCAOB
by an independent public accountant that submits a report
on the consolidated holding company (but not on the
institution separately)

Number

M.1.

2b = An audit of the reporting institution's parent holding
company's consolidated financial statements only conducted
in accordance with the auditing standards of the AICPA or
the PCAOB by an independent public accountant that
submits a report on the consolidated holding company (but
not on the institution separately)
3 = This number is not to be used
4 = Directors' examination of the bank conducted in accordance
with generally accepted auditing standards by a certified public
accounting firm (may be required by state-chartering authority)
5 = Directors' examination of the bank performed by other external
auditors (may be required by state-chartering authority)
6 = Review of the bank's financial statements by external auditors
7 = Compilation of the bank's financial statements by external
auditors
8 = Other audit procedures (excluding tax preparation work)
9 = No external audit work

RCON
To be reported with the March Report of Condition.
2. Bank's fiscal year-end date (report the date in MMDD format).......................................................... 8678

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

3230
3839
3632

Dollar Amounts in Thousands
Equity Capital
Bank Equity Capital
23. Perpetual preferred stock and related surplus ..............................................................
24. Common stock ......................................................................................................
25. Surplus (exclude all surplus related to preferred stock)...................................................
26. a. Retained earnings ...............................................................................................
b. Accumulated other comprehensive income1 .............................................................
c. Other equity capital components2 ...........................................................................
27. a. Total bank equity capital (sum of items 23 through 26.c) .............................................
b. Noncontrolling (minority) interests in consolidated subsidiaries .....................................
28. Total equity capital (sum of items 27.a and 27.b) ..........................................................
29. Total liabilities and equity capital (sum of items 21 and 28) .............................................

Date

M.2.

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

03/2017

FFIEC 041
Page 17 of 85
RC-3

Schedule RC-A—Cash and Balances Due from Depository Institutions
Schedule RC-A is to be completed only by banks with $300 million or more in total assets.1
Exclude assets held for trading.
Amount

RCON

0020
0080

1.a.
1.b.

0082

0083
0085

2.a.
2.b.

0070
0073
0074

Dollar Amounts in Thousands
1. Cash items in process of collection, unposted debits, and currency and coin:
a. Cash items in process of collection and unposted debits ........................................................
b. Currency and coin ..........................................................................................................
2. Balances due from depository institutions in the U.S:
a. U.S. branches and agencies of foreign banks ......................................................................
b. Other commercial banks in the U.S. and other depository institutions in the U.S..........................
3. Balances due from banks in foreign countries and foreign central banks:
a. Foreign branches of other U.S. banks ................................................................................
b. Other banks in foreign countries and foreign central banks .....................................................
4. Balances due from Federal Reserve Banks ............................................................................
5. Total (sum of items 1 through 4) (must equal Schedule RC, sum of items 1.a and 1.b) ....................

0090
0010

3.a.
3.b.
4.
5.

R
AF

1. The $300 million asset size test is based on the total assets reported on the June 30, 2017,
2016, Report of Condition.

Schedule RC-B—Securities
Exclude assets held for trading.

Held-to-maturity

(Column A)
Amortized Cost

RCON

Amount

(Column B)
Fair Value

RCON

Amount

(Column C)
Amortized Cost

RCON

Amount

RCON

(Column D)
Fair Value
Amount

0211

0213

1286

1287

XXXX

1289

1290

XXXX
1291

1293

2.a.

1294

1295

1297

1298

2.b.

8496

8497

8498

8499

Dollar Amounts in Thousands
1. U.S. Treasury securities .....
2. U.S. Government agency
obligations (exclude mortgage-backed securities): 1
a. Issued by U.S.
Government agencies1 . . . .
b. Issued by U.S.
Government-sponsored
agencies2 .....................
3. Securities issued by states
and political subdivisions in
the U.S............................

Available-for-sale

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

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RC-4

Schedule RC-B—Continued
Held-to-maturity

RCON

Amount

RCON

G300

G301

G304

G305

G308

G309

Amount

(Column C)
Amortized Cost
RCON

G302

Amount

(Column D)
Fair Value
RCON

G303

Amount

4.a.(1)

G306

G307

4.a.(2)

G310

G311

4.a.(3)

R
AF

Dollar Amounts in Thousands
4. Mortgage-backed
securities (MBS):
a. Residential mortgage
pass-through
securities:
(1) Guaranteed by
GNMA ..............
(2) Issued by FNMA
and FHLMC .......
(3) Other passthrough securities ..
b. Other residential
mortgage-backed
securities (include
CMOs, REMICs, and
stripped MBS):
(1) Issued or guaranteed by U.S.
Government
agencies or
sponsored
agencies1 ..........
(2) Collateralized by
MBS issued or
guaranteed by
U.S. Government
agencies or
sponsored
agencies1 ..........
(3) All other
residential MBS ...
c. Commercial MBS
(1) Commercial
mortgage
pass-through
securities:
(a) Issued or
guaranteed
by FNMA,
FHLMC, or
GNMA ..........
(b) Other
pass-through
securities ......

Available-for-sale

(Column B)
Fair Value

(Column A)
Amortized Cost

G313

G314

G315

4.b.(1)

G316

G317

G318

G319

4.b.(2)

G320

G321

G322

G323

4.b.(3)

K142

K143

K144

K145

4.c.(1)(a)

K146

K147

K148

K149

4.c.(1)(b)

G312

1. U.S. Government agencies include, but are not limited to, such agencies as the Government National Mortgage Association (GNMA), the Federal
Deposit Insurance Corporation (FDIC), and the National Credit Union Administration (NCUA). U.S. Government-sponsored agencies include, but are
not limited to, such agencies as the Federal Home Loan Mortgage Corporation (FHLMC) and the Federal National Mortgage Association (FNMA).

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Page 19 of 85
RC-5

Schedule RC-B—Continued
Held-to-maturity

RCON

Amount

RCON

K150

K151

K154

K155

Amount

(Column C)
Amortized Cost
RCON

Amount

(Column D)
Fair Value
RCON

Amount

K152

K153

4.c.(2)(a)

K156

K157

4.c.(2)(b)

R
AF

Dollar Amounts in Thousands
4. c. (2) Other commercial
MBS:
(a) Issued or
guaranteed
by U.S.
Government
agencies or
sponsored
agencies1 . . . . .
(b) All other
commercial
MBS ............
5. Asset-backed securities
and structured financial
products
a. Asset-backed
securities (ABS) .....
b. Structured financial
products:
(1) Cash................
(2) Synthetic ..........
(3) Hybrid .............
6. Other debt securities:
a. Other domestic debt
securities ..............
b. Other foreign debt
securities ..............
7. Investments in mutual
funds and other equity
securities with readily
determinable fair values2 ,3
8. Total (sum of items 1
through 7) (total of
column A must equal
Schedule RC, item 2.a)
(total of column D
must equal Schedule
RC, item 2.b) .............

Available-for-sale

(Column B)
Fair Value

(Column A)
Amortized Cost

C988

C989

C027

XXXX
G336
G340

XXXX
G337
G341

XXXX
G338
G342

XXXX

5.b.

G339
G343

G344

G345

G346

G347

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

1737

1738

1739

1741

6.a.

1742

1743

1744

1746

6.b.

A510

A511

1772

1773

C026

1754

1771

5.a.

3. Item 7 is to be completed only by institutions that have not adopted ASU 2016-01, which includes provisions governing the accounting
forinvestments in equity securities. See the instructions for further detail on ASU 2016-01.

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Page 20 of 85
RC-6

Schedule RC-B—Continued
Memoranda
Dollar Amounts in Thousands
1. Pledged securities ....................................................................................................
2. Maturity and repricing data for debt securities1, 2 (excluding those in nonaccrual status):
a. Securities issued by the U.S. Treasury, U.S. Government agencies, and states and political
subdivisions in the U.S.; other non-mortgage debt securities; and mortgage pass-through
securities other than those backed by closed-end first lien 1– 4 family residential mortgages
with a remaining maturity or next repricing date of:3, 4
(1) Three months or less ..........................................................................................
(2) Over three months through 12 months ...................................................................
(3) Over one year through three years ........................................................................
(4) Over three years through five years .......................................................................
(5) Over five years through 15 years ...........................................................................
(6) Over 15 years ...................................................................................................
b. Mortgage pass-through securities backed by closed-end first lien 1– 4 family residential
mortgages with a remaining maturity or next repricing date of:3, 5
(1) Three months or less ..........................................................................................
(2) Over three months through 12 months ...................................................................
(3) Over one year through three years ........................................................................
(4) Over three years through five years .......................................................................
(5) Over five years through 15 years ...........................................................................
(6) Over 15 years ...................................................................................................
c. Other mortgage-backed securities (include CMOs, REMICs, and stripped MBS; exclude
mortgage pass-through securities) with an expected average life of:6
(1) Three years or less ............................................................................................
(2) Over three years.................................................................................................
d. Debt securities with a REMAINING MATURITY of one year or less
(included in Memorandum items 2.a through 2.c above)...................................................
3. Amortized cost of held-to-maturity securities sold or transferred to available-for-sale or trading
securities during the calendar year-to-date (report the amortized cost at date of sale or transfer) ..
4. Structured notes (included in the held-to-maturity and available-for-sale accounts in Schedule
RC-B, items 2, 3, 5, and 6):
a. Amortized cost ......................................................................................................
b. Fair value ..............................................................................................................

RCON

Amount

0416

M.1.

A549

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

A550
A551
A552
A553
A554

A555

R
AF

A556
A557
A558
A559
A560

A561

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

A562

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

A248

M.2.d.

1778

M.3.

8782
8783

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

Memorandum item 3 is to be completed semiannually in the June and December reports only.

1. Includes held-to-maturity securities at amortized cost and available-for-sale securities at fair value.
2. Exclude investments in mutual funds and other equity securities with readily determinable fair values.
3. Report fixed-rate debt securities by remaining maturity and floating-rate debt securities by next repricing date.
4. Sum of Memorandum items 2.a.(1) through 2.a.(6) plus any nonaccrual debt securities in the categories of debt securities reported in Memorandum
item 2.a that are included in Schedule RC-N, item 10, column C, must equal Schedule RC-B, sum of items 1, 2, 3, 4.c.(1), 5, and 6, columns A and D,
plus residential mortgage pass-through securities other than those backed by closed-end first lien 1– 4 family residential mortgages included in
Schedule RC-B, item 4.a, columns A and D.
5. Sum of Memorandum items 2.b.(1) through 2.b.(6) plus any nonaccrual mortgage pass-through securities backed by closed-end first lien 1–4 family
residential mortgages included in Schedule RC-N, item 10, column C, must equal Schedule RC-B, item 4.a, sum of columns A and D, less the amount
of residential mortgage pass-through securities other than those backed by closed-end first lien 1– 4 family residential mortgages included in
Schedule RC-B, item 4.a, columns A and D.
6. Sum of Memorandum items 2.c.(1) and 2.c.(2) plus any nonaccrual "Other mortgage-backed securities" included in Schedule RC-N, item 10, column
C, must equal Schedule RC-B, sum of items 4.b and 4.c.(2), columns A and D.

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Page 21 of 85
RC-7

Schedule RC-B—Continued
Memoranda—Continued
Held-to-maturity

Dollar Amounts in Thousands RCON
Memorandum items 5.a
through 5.f are to be
completed by banks with $1 $10
billion or more in total assets.1

RCON

B838

B839

B842
B846

B843
B847

B850
B854
B858

Amount

(Column C)
Amortized Cost
RCON

Amount

(Column D)
Fair Value
RCON

Amount

B840

B841

B844
B848

B845
B849

B851

B852

B853

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

B855
B859

B856
B860

B857
B861

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

R
AF

5. Asset-backed securities
(ABS) (for each column,
sum of Memorandum
items 5.a through 5.f
must equal Schedule
RC-B, item 5.a):
a. Credit card
receivables ................
b. Home equity lines........
c. Automobile loans.........
d. Other consumer loans ..
e. Commercial and
industrial loans ...........
f. Other ........................

Amount

(Column B)
Fair Value

(Column A)
Amortized Cost

Available-for-sale

2017, Report of Condition.
1. The $1 billion asset size test is based on the total assets reported on the June 30, 2016,
$10

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Page 22 of 85
RC-8

Schedule RC-B—Continued
Memoranda—Continued
(Column A)
Amortized Cost
RCON

Amount

Available-for-sale

(Column B)
Fair Value
RCON

G348

G349

G352

G353

G356

Amount

(Column C)
Amortized Cost
RCON

Amount

(Column D)
Fair Value
RCON

Amount

G350

G351

M.6.a.

G354

G355

M.6.b.

G357

G358

G359

M.6.c.

G360

G361

G362

G363

M.6.d.

G364

G365

G366

G367

M.6.e.

G368

G369

G370

G371

M.6. f.

G372

G373

G374

G375

M.6.g.

R
AF

Dollar Amounts in Thousands
6. Structured financial products by underlying collateral or reference assets
(for each column, sum of
Memorandum items 6.a
through 6.g must equal
Schedule RC-B, sum of
items 5.b.(1) through (3)):
a. Trust preferred
securities issued by
financial institutions ......
b. Trust preferred securities
issued by real estate
investment trusts ..........
c. Corporate and similar
loans .........................
d. 1–4 family residential
MBS issued or guaranteed by U.S.
Government-sponsored
enterprises (GSEs) .......
e. 1–4 family residential
MBS not issued or
guaranteed by GSEs.....
f. Diversified (mixed)
pools of structured
financial products .........
g. Other collateral or
reference assets ..........

Held-to-maturity

Memorandum items 6.a through 6.g
are to be completed by banks with
$10 billion or more in total assets.1

1. The $10 billion asset size test is based on the total assets reported on the June 30, 2017, Report of Condition.

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Page 23 of 85
RC-9

Schedule RC-C—Loans and Lease Financing Receivables
Part I. Loans and Leases
Do not deduct the allowance for loan and lease losses or the allocated transfer risk reserve from amounts reported in this schedule.
Report (1) loans and leases held for sale at the lower of cost or fair value, (2) loans and leases held for investment, net of unearned income,
and (3) loans and leases accounted for at fair value under a fair value option. Exclude assets held for trading and commercial paper.
(Column B)
To Be Completed
by All Banks

(Column A)
To Be Completed
by Banks with
$300 Million or More
in Total Assets1

Dollar Amounts in Thousands

Amount

RCON

Amount

1. Loans secured by real estate:
a. Construction, land development, and other land loans:
(1) 1–4 family residential construction loans ................................
(2) Other construction loans and all land development and other
land loans ........................................................................
b. Secured by farmland
(including farm residential and other improvements) .......................
c. Secured by 1–4 family residential properties:
(1) Revolving, open-end loans secured by 1– 4 family residential
properties and extended under lines of credit ...........................
(2) Closed-end loans secured by 1– 4 family residential properties:
(a) Secured by first liens ......................................................
(b) Secured by junior liens ...................................................
d. Secured by multifamily (5 or more) residential properties ................
e. Secured by nonfarm nonresidential properties:
(1) Loans secured by owner-occupied nonfarm nonresidential
properties .........................................................................
(2) Loans secured by other nonfarm nonresidential properties .........
2. Loans to depository institutions and acceptances of other banks .........
a. To commercial banks in the U.S. ...............................................
b. To other depository institutions in the U.S. ...................................
c. To banks in foreign countries .....................................................
3. Loans to finance agricultural production and other loans to farmers .....
4. Commercial and industrial loans ....................................................
a. To U.S. addressees (domicile) ..................................................
b. To non-U.S. addressees (domicile) ............................................
5. Not applicable
6. Loans to individuals for household, family, and other personal
expenditures (i.e., consumer loans) (includes purchased paper):
a. Credit cards ..........................................................................
b. Other revolving credit plans ......................................................
c. Automobile loans ...................................................................
d. Other consumer loans (includes single payment and installment,
loans other than automobile loans, and all student loans) ................
7. Not applicable
8. Obligations (other than securities and leases) of states and political
subdivisions in the U.S. ..............................................................

RCON

1.a.(1)

F159

1.a.(2)

1420

1.b.

R
AF

F158

1797

1.c.(1)

5367

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

5368
1460

F160
F161
1288

B531
B534
B535

1590
1766

1763
1764

1.e.(1)
1.e.(2)
2.
2.a.
2.b.
2.c.
3.
4.
4.a.
4.b.

B538
B539
K137

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

K207

6.d.

2107

2017, Report of Condition.
1. The $300 million asset size test is based on the total assets reported on the June 30, 2016,

03/2017

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Page 24 of 85
RC-10

Schedule RC-C—Continued
Part I—Continued
(Column B)
To Be Completed
by All Banks

(Column A)
To Be Completed
by Banks with
$300 Million or More
in Total Assets1
RCON

Amount

RCON

Amount

J454
J464

9.a.
9.b.

1545
J451

2165

9.b.(1)
9.b.(2)
10.

2123

10.a.
10.b.
11.

Dollar Amounts in Thousands
9. Loans to nondepository financial institutions and other loans:
a. Loans to nondepository financial institutions ..................................
b. Other loans.............................................................................
(1) Loans for purchasing or carrying securities
(secured and unsecured) .......................................................
(2) All other loans (exclude consumer loans) .................................
10. Lease financing receivables (net of unearned income) ......................
a. Leases to individuals for household, family, and other personal
expenditures (i.e., consumer leases) ..........................................
b. All other leases ......................................................................
11. LESS: Any unearned income on loans reflected in items 1-9 above .....
12. Total loans and leases held for investment and held for sale
(sum of items 1 through 10 minus item 11)
(must equal Schedule RC, sum of items 4.a and 4.b) ........................

R
AF

F162
F163

2122

12.

Memoranda

Dollar Amounts in Thousands
1. Loans restructured in troubled debt restructurings that are in compliance with their modified
terms (included in Schedule RC-C, Part I, and not reported as past due or nonaccrual in
Schedule RC-N, Memorandum item 1):
a. Construction, land development, and other land loans:
(1) 1–4 family residential construction loans ..................................................................
(2) Other construction loans and all land development and other land loans .........................
b. Loans secured by 1– 4 family residential properties.........................................................
c. Secured by multifamily (5 or more) residential properties ..................................................
d. Secured by nonfarm nonresidential properties:
(1) Loans secured by owner-occupied nonfarm nonresidential properties ............................
(2) Loans secured by other nonfarm nonresidential properties ...........................................
e. Commercial and industrial loans .................................................................................

RCON

K158
K159
F576
K160
K161
K162
K256

Amount

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

Memorandum items 1.e.(1) and (2) are to be completed by banks with $300 million or more
in total assets1 (sum of Memorandum items 1.e(1) and (2) must equal Memorandum
item 1.e):

(1) To U.S. addressees (domicile) ............................................... K163
(2) To non-U.S. addressees (domicile) ......................................... K164
f. All other loans (include loans to individuals for household, family, and other personal
expenditures) .......................................................................................................... K165

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

Itemize loan categories included in Memorandum item 1.f, above that exceed 10 percent
of total loans restructured in troubled debt restructurings that are in compliance with their
modified terms (sum of Memorandum items 1.a through 1.e plus 1.f):
(1) Loans secured by farmland ................................................... K166
(2) and (3) Not applicable

M.1. f.(1)

1. The $300 million asset size test is based on the total assets reported on the June 30, 2017,
2016, Report of Condition.

03/2017

FFIEC 041
Page 25 of 85
RC-11

Schedule RC-C—Continued
Part I—Continued
Memoranda—Continued
Dollar Amounts in Thousands RCON
1. f. (4) Loans to individuals for household, family, and other
personal expenditures:
(a) Credit cards .............................................................. K098
(b) Automobile loans ....................................................... K203
(c) Other (includes revolving credit plans other than credit
cards and other consumer loans) ................................... K204

Amount

RCON

Amount

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

Memorandum item 1.f.(5) is to be completed by:
• Banks with $300 million or more in total assets
• Banks with less than $300 million in total assets that have
loans to finance agricultural production and other loans to
farmers (Schedule RC-C, Part I, item 3)
exceeding 5 percent of total loans

R
AF

(5) Loans to finance agricultural production and other loans to
farmers included in Schedule RC-C, Part I,
Memorandum item 1.f, above............................................ K168
g. Total loans restructured in troubled debt restructurings that are in compliance with
their modified terms (sum of Memorandum items 1.a.(1) through 1.e plus 1.f) ...........
2. Maturity and repricing data for loans and leases (excluding those in nonaccrual status):
a. Closed-end loans secured by first liens on 1– 4 family residential properties (reported in
Schedule RC-C, Part I, item 1.c.(2)(a), column B) with a remaining maturity or next
repricing date of:2, 3
(1) Three months or less .......................................................................................
(2) Over three months through 12 months .................................................................
(3) Over one year through three years .....................................................................
(4) Over three years through five years ....................................................................
(5) Over five years through 15 years ........................................................................
(6) Over 15 years ................................................................................................
b. All loans and leases (reported in Schedule RC-C, Part I, items 1 through 10, column B
above) EXCLUDING closed-end loans secured by first liens on 1–4 family residential
properties (reported in Schedule RC-C, Part I, item 1.c.(2)(a), column B, above) with a
remaining maturity or next repricing date of:2, 4
(1) Three months or less .......................................................................................
(2) Over three months through 12 months .................................................................
(3) Over one year through three years ......................................................................
(4) Over three years through five years.....................................................................
(5) Over five years through 15 years ........................................................................
(6) Over 15 years .................................................................................................
c. Loans and leases (reported in Schedule RC-C, Part I, items 1 through 10, column B, above)
with a REMAINING MATURITY of one year or less (excluding those in nonaccrual status) ....

M.1. f.(5)

HK25

M.1.g.

A564
A565

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

A566
A567
A568
A569

A570

A574
A575

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

A247

M.2.c.

A571
A572
A573

1. The $300 million asset size test and the 5 percent of total loans test are based on the total assets and total loans reported on the
2017, Report of Condition.
June 30, 2016,
2. Report fixed-rate loans and leases by remaining maturity and floating rate loans by next repricing date.
3. Sum of Memorandum items 2.a.(1) through 2.a.(6) plus total nonaccrual closed-end loans secured by first liens on 1– 4 family residential properties
included in Schedule RC-N, item 1.c.(2)(a), column C, must equal total closed-end loans secured by first liens on 1– 4 family residential properties
from Schedule RC-C, Part I, item 1.c.(2)(a), column B.
4. Sum of Memorandum items 2.b.(1) through 2.b.(6), plus total nonaccrual loans and leases from Schedule RC-N, item 9, column C, minus nonaccrual
closed-end loans secured by first liens on 1– 4 family residential properties included in Schedule RC-N, item 1.c.(2)(a), column C, must equal total
loans and leases from Schedule RC-C, Part I, sum of items 1 through 10, column B, minus total closed-end loans secured by first liens on 1– 4 family
residential properties from Schedule RC-C, Part I, item 1.c.(2)(a), column B.

03/2017

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Page 26 of 85
RC-12

Schedule RC-C—Continued
Part I—Continued
Memoranda—Continued
Amount

M.3.
M.4.

M.5.

Dollar Amounts in Thousands RCON
3. Loans to finance commercial real estate, construction, and land development activities
(not secured by real estate) included in Schedule RC-C, Part I, items 4 and 9, column B1 .. 2746
4. Adjustable-rate closed-end loans secured by first liens on 1–4 family residential properties
(included in Schedule RC-C, Part I, item 1.c.(2)(a), column B) ..................................... 5370
5. To be completed by banks with $300 million or more in total assets:2
Loans secured by real estate to non-U.S. addressees (domicile)
(included in Schedule RC-C, Part I, items 1.a through 1.e, column B)............................ B837
Memorandum item 6 is to be completed by banks that (1) together with affiliated institutions,
have outstanding credit card receivables (as defined in the instructions) that exceed $500
million as of the report date or (2) are credit card specialty banks as defined for Uniform
Bank Performance Report purposes.

R
AF

6. Outstanding credit card fees and finance charges included in Schedule RC-C, Part I,
item 6.a ........................................................................................................... C391

Memorandum items 7.a, 7.b, 8.a, 8.b, and 8.c are to be completed semiannually in the June and December reports only.

M.6.

Memorandum item 7 is to be completed by all banks.

7. Purchased credit-impaired loans held for investment accounted for in accordance with
FASB ASC 310-30 (former AICPA Statement of Position 03-3) (exclude loans held for sale):
a. Outstanding balance........................................................................................ C779
b. Amount included in Schedule RC-C, Part I, items 1 through 9 .................................. C780
8. Closed-end loans with negative amortization features secured by 1–4 family residential
properties:
a. Total amount of closed-end loans with negative amortization features secured by 1–4 family
residential properties (included in Schedule RC-C, Part I, items 1.c.(2)(a) and (b))............ F230

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

M.8.a.

Memorandum items 8.b and 8.c are to be completed by banks that had closed-end loans
with negative amortization features secured by 1–4 family residential properties (as reported
2017, that exceeded the
in Schedule RC-C, Part I, Memorandum item 8.a) as of December 31, 2016,
lesser of $100 million or 5 percent of total loans and leases held for investment and held for
sale (as reported in Schedule RC-C, Part I, item 12, column B).

b. Total maximum remaining amount of negative amortization contractually permitted on
closed-end loans secured by 1–4 family residential propertie .................................... F231
c. Total amount of negative amortization on closed-end loans secured by 1–4 family residential
properties included in the amount reported in Memorandum item 8.a above..................... F232
9. Loans secured by 1–4 family residential properties in process of foreclosure
(included in Schedule RC-C, Part I, items 1.c.(1), 1.c.(2)(a), and 1.c.(2)(b)) ....................... F577
10. and 11. Not applicable

M.8.b.
M.8.c.
M.9.

1. Exclude loans secured by real estate that are included in Schedule RC-C, Part I, items 1.a through 1.e, column B.
2. The $300 million asset size test is based on the total assets reported on the June 30, 2016,
2017, Report of Condition.

03/2017

FFIEC 041
Page 27 of 85
RC-13

Schedule RC-C—Continued
Part I—Continued
Memoranda—Continued
(Column A)
Fair Value of Acquired
Loans and Leases at
Acquisition Date

RCON

G091
G094

Amount

RCON

Amount

RCON

G092

G093

G095

G096

R
AF

Dollar Amounts in Thousands
12. Loans (not subject to the requirements of
FASB ASC 310-30 (former AICPA
Statement of Position 03-3)) and leases
held for investment that were acquired in
business combinations with acquisition
dates in the current calendar year:
a. Loans secured by real estate .............
b. Commercial and industrial loans ........
c. Loans to individuals for household, family,
and other personal expenditures ..........
d. All other loans and all leases ..............

(Column C)
Best Estimate at
Acquisition Date of
Contractual Cash Flows
Not Expected to be
Collected
Amount

Memorandum items 12.a, 12.b, 12.c, and 12.d are to be
completed semiannually in the June and December reports
only.

(Column B)
Gross Contractual
Amounts Receivable
at Acquisition Date

G098

G097
G100

G101

Dollar Amounts in Thousands

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

G099
G102

RCON

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

Memoranda item 13 is to be completed by banks that had construction, land development, and
other land loans in domestic offices (as reported in Schedule RC-C, Part I, item 1.a., column B)
that exceeded 100 percent of total capital (as reported in Schedule RC-R, Part I, item 35.a) as
2017.
of December 31, 2016.

13. Construction, land development, and other land loans with interest reserves:
a. Amount of loans that provide for the use of interest reserves
(included in Schedule RC-C, Part I, item 1.a, column B) .................................................. G376
b. Amount of interest capitalized from interest reserves on construction, land development,
RIAD
and other land loans that is included in interest and fee income on loans during the quarter
(included in Schedule RI, item 1.a.(1)(b)) ..................................................................... G377
Memorandum item 14 is to be completed by all banks.

M.13.a.

M.13.b.

RCON

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

M.14.

Memorandum item 15 is to be completed for the December report only.

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

J466

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

J467

Number
J468
J469

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

J470
J471

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

03/2017

FFIEC 041
Page 28 of 85
RC-14

Schedule RC-C—Continued
Part II. Loans to Small Businesses and Small Farms

Loans to Small Businesses

Report the number and amount currently outstanding as of the report date of business loans with "original amounts" of $1,000,000 or less and
farm loans with "original amounts" of $500,000 or less. The following guidelines should be used to determine the "original amount" of a loan:
(1) For loans drawn down under lines of credit or loan commitments, the "original amount" of the loan is the size of the line of credit or loan
commitment when the line of credit or loan commitment was most recently approved, extended, or renewed prior to the report date.
However, if the amount currently outstanding as of the report date exceeds this size, the "original amount" is the amount currently
outstanding on the report date.
(2) For loan participations and syndications, the "original amount" of the loan participation or syndication is the entire amount of the credit
originated by the lead lender.
(3) For all other loans, the "original amount" is the total amount of the loan at origination or the amount currently outstanding as of the report
date, whichever is larger.

R
AF

1. Indicate in the appropriate box at the right whether all or substantially all of the dollar volume of your
bank's "Loans secured by nonfarm nonresidential properties" reported in Schedule RC-C, Part I,
items 1.e.(1) and 1.e.(2), and all or substantially all of the dollar volume of your bank's "Commercial
and industrial loans" reported in Schedule RC-C, Part I, item 4,1 have original amounts of $100,000 or
RCON Yes
less (If your bank has no loans outstanding in both of these two loan categories, place an "X" in the
box marked "NO.")............................................................................................................. 6999

If YES, complete items 2.a and 2.b below, skip items 3 and 4, and go to item 5.

If NO and your bank has loans outstanding in either loan category, skip items 2.a and 2.b, complete items 3 and 4 below, and go to item 5.
If NO and your bank has no loans outstanding in both loan categories, skip items 2 through 4, and go to item 5.
Number of Loans
2. Report the total number of loans currently outstanding for each of the following Schedule RC-C, Part
Number
RCON
I, loan categories:
a. "Loans secured by nonfarm nonresidential properties" reported in Schedule RC-C, Part I, items
1.e.(1) and 1.e.(2) (Note: Sum of items 1.e.(1) and 1.e.(2) divided by the number of loans should
NOT exceed $100,000.) .................................................................................................. 5562
b. "Commercial and industrial loans" reported in Schedule RC-C, Part I, item 41
(Note: Item 4,1 divided by the number of loans should NOT exceed $100,000.)............................. 5563
(Column A)
Number of Loans

Dollar Amounts in Thousands
3. Number and amount currently outstanding of "Loans secured by nonfarm
nonresidential properties" reported in Schedule RC-C, Part I, items 1.e.(1) and
1.e.(2) (sum of items 3.a through 3.c must be less than or equal to Schedule
RC-C, Part I, sum of items 1.e.(1) and 1.e.(2)):
a. With original amounts of $100,000 or less ............................................
b. With original amounts of more than $100,000 through $250,000.................
c. With original amounts of more than $250,000 through $1,000,000 ..............
4. Number and amount currently outstanding of "Commercial and industrial loans"
reported in Schedule RC-C, Part I, item 41
(sum of items 4.a through 4.c must be less than or equal to Schedule RC-C,
Part I, item 41):
a. With original amounts of $100,000 or less .............................................
b. With original amounts of more than $100,000 through $250,000.................
c. With original amounts of more than $250,000 through $1,000,000 ..............

RCON

Number

RCON

2.a.
2.b.

(Column B)
Amount
Currently
Outstanding
Amount

5564
5566

5565
5567

5568

5569

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

5570
5572
5574

5571
5573
5575

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

1. Banks with $300 million or more in total assets should provide the requested information for "Commercial and industrial loans" based on the loans
reported in Schedule RC-C, Part I, item 4.a, column A, "Commercial and industrial loans to U.S. addressees."

06/2012

FFIEC 041
Page 29 of 85
RC-15

Schedule RC-C—Continued
Part II—Continued
Agricultural Loans to Small Farms
5. Indicate in the appropriate box at the right whether all or substantially all of the dollar volume of your
bank's "Loans secured by farmland (including farm residential and other improvements)" reported in
Schedule RC-C, Part I, item 1.b, and all or substantially all of the dollar volume of your bank's "Loans to
finance agricultural production and other loans to farmers" in reported in Schedule RC-C, Part I, item 3,
have original amounts of $100,000 or less (If your bank has no loans outstanding in both of these two RCON Yes
loan categories, place an "X" in the box marked "NO.")............................................................... 6860

If YES, complete items 6.a and 6.b below, and do not complete items 7 and 8.

If NO and your bank has loans outstanding in either loan category, skip items 6.a and 6.b and complete items 7 and 8 below.
If NO and your bank has no loans outstanding in both loan categories, do not complete items 6 through 8.

R
AF

Number of Loans
6. Report the total number of loans currently outstanding for each of the following Schedule RC-C, Part
RCON
Number
I, loan categories:
a. "Loans secured by farmland (including farm residential and other improvements)" reported in
Schedule RC-C, Part I, item 1.b (Note: Item 1.b, divided by the number of loans should NOT
exceed $100,000.) ......................................................................................................... 5576
b. "Loans to finance agricultural production and other loans to farmers" in reported in Schedule RC-C,
Part I, item 3 (Note: Item 3 divided by the number of loans should NOT exceed $100,000.) ............. 5577
(Column A)
Number of Loans

Dollar Amounts in Thousands
7. Number and amount currently outstanding of "Loans secured by farmland
(including farm residential and other improvements)" reported in Schedule
RC-C, Part I, item 1.b (sum of items 7.a through 7.c must be less than or
equal to Schedule RC-C, Part I, item 1.b):
a. With original amounts of $100,000 or less ..........................................
b. With original amounts of more than $100,000 through $250,000 .............
c. With original amounts of more than $250,000 through $500,000 .............
8. Number and amount currently outstanding of "Loans to finance agricultural
production and other loans to farmers" reported in Schedule RC-C, Part I,
item 3 (sum of items 8.a through 8.c must be less than or equal to Schedule
RC-C, Part I, item 3):
a. With original amounts of $100,000 or less ..........................................
b. With original amounts of more than $100,000 through $250,000 .............
c. With original amounts of more than $250,000 through $500,000 .............

RCON

Number

RCON

6.a.
6.b.

(Column B)
Amount
Currently
Outstanding
Amount

5578
5580

5579
5581

5582

5583

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

5584
5586
5588

5585
5587
5589

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

06/2012

FFIEC 041
Page 30 of 85
RC-16

RC-D is to be completed by banks that reported total trading assets of $10 million or more in any of the four
preceding calendar quarters and all banks meeting the FDIC's definition of a large or highly complex
institution for deposit insurance assessment purposes.

Schedule RC-D—Trading Assets and Liabilities

Schedule RC-D is to be completed by banks that reported average trading assets (Schedule RC-K, item 7) of $2
million or more in any of the four preceding calendar quarters.
RCON

Amount

3531
3532
3533

1.
2.
3.

G379

4.a.

G380
G381

4.b.
4.c.

K197
K198

4.d.
4.e.

Dollar Amounts in Thousands
Assets
1. U.S. Treasury securities .........................................................................................
2. U.S. Government agency obligations (exclude mortgage-backed securities) ......................
3. Securities issued by states and political subdivisions in the U.S. .....................................
4. Mortgage-backed securities (MBS):
a. Residential mortgage pass-through securities issued or guaranteed by FNMA, FHLMC,
or GNMA .........................................................................................................
b. Other residential MBS issued or guaranteed by U.S. Government agencies or sponsored
agencies1 (include CMOs, REMICs, and stripped MBS) .................................................
c. All other residential MBS .....................................................................................
d. Commercial MBS issued or guaranteed by U.S. Government agencies or sponsored
agencies1 .........................................................................................................
e. All other commercial MBS ...................................................................................
5. Other debt securities:
a. Structured financial products:
(1) Cash ..........................................................................................................
(2) Synthetic .....................................................................................................
(3) Hybrid ........................................................................................................
b. All other debt securities .......................................................................................
(1) Loans secured by 1-4 family residential properties
6. Loans:
a. Loans secured by real estate:
(2) All other loans secured by real estate
(1) Construction, land development, and other land loans...........................................
(2) Secured by farmland (including farm residential and other improvements) ................
(3) Secured by 1– 4 family residential properties:
(a) Revolving, open-end loans secured by 1– 4 family residential properties and
extended under lines of credit .....................................................................
(b) Closed-end loans secured by 1– 4 family residential properties:
(1) Secured by first liens ............................................................................
(2) Secured by junior liens .........................................................................
(4) Secured by multifamily (5 or more) residential properties .......................................
(5) Secured by nonfarm nonresidential properties ....................................................
b. Commercial and industrial loans ...........................................................................
c. Loans to individuals for household, family, and other personal expenditures
(i.e., consumer loans) (includes purchased paper):
(1) Credit cards .................................................................................................
(2) Other revolving credit plans ............................................................................
(3) Automobile loans ..........................................................................................
(4) Other consumer loans ......................................................................................
d. Other loans.......................................................................................................
7. and 8. Not applicable
9. Other trading assets ..............................................................................................
10. Not applicable
11. Derivatives with a positive fair value .........................................................................
12. Total trading assets (sum of items 1 through 11) (must equal Schedule RC, item 5) ...........

5.a

G383
G384
G385
G386

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

F604 XXXX
F605 XXXX

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

F606

6.a.(3)(a)

F607
F611

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

R
AF

XXXX

Liabilities
13. a. Liability for short positions ...................................................................................
b. Other trading liabilities ........................................................................................
14. Derivatives with a negative fair value ........................................................................
15. Total trading liabilities (sum of items 13.a through 14) (must equal Schedule RC, item 15) ......

F612
F613
F614

XXXX
F615
F616

6.c

K199
K210
F618

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

3541

3543
3545

11.
12.

3546
F624

13.a.
13.b.
14.
15.

3547
3548

FFIEC 041
Page 31 of 85
RC-17

Schedule RC-D—Continued
Memoranda
Dollar Amounts in Thousands

RCON

Amount

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

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

R
AF

1. Unpaid principal balance of loans measured at fair value
(1) Loans secured by 1-4 family residential properties
(reported in Schedule RC-D, items 6.a through 6.d):
(2) All other loans secured by real estate
a. Loans secured by real estate:
(1) Construction, land development, and other land loans ......................................... F625 XXXX
(2) Secured by farmland (including farm residential and other improvements) ............... F626 XXXX
(3) Secured by 1– 4 family residential properties:
(a) Revolving, open-end loans secured by 1– 4 family residential properties and
extended under lines of credit .................................................................... F627
(b) Closed-end loans secured by 1– 4 family residential properties:
(1) Secured by first liens ........................................................................... F628
(2) Secured by junior liens ......................................................................... F629
(4) Secured by multifamily (5 or more) residential properties ..................................... F630
(5) Secured by nonfarm nonresidential properties.................................................... F631
b. Commercial and industrial loans ......................................................................... F632
c. Loans to individuals for household, family, and other personal expenditures
XXXX
(i.e., consumer loans) (includes purchased paper):
F633
(1) Credit cards ................................................................................................
(2) Other revolving credit plans ............................................................................ F634
(3) Automobile loans ........................................................................................ K200
(4) Other consumer loans...................................................................................... K211
d. Other loans .................................................................................................... F636
2. Loans measured at fair value that are past due 90 days or more:
a. Fair value ...................................................................................................... F639
b. Unpaid principal balance .................................................................................. F640
3. Structured financial products by underlying collateral or reference assets (sum of Memorandum
items 3.a through 3.g must equal Schedule RC-D, sum of items 5.a.(1) through (3)):
a. Trust preferred securities issued by financial institutions .......................................... G299
b. Trust preferred securities issued by real estate investment trusts .............................. G332
c. Corporate and similar loans................................................................................ G333
d. 1–4 family residential MBS issued or guaranteed by U.S. government-sponsored
enterprises (GSEs) .......................................................................................... G334
e. 1–4 family residential MBS not issued or guaranteed by GSEs ................................. G335
f. Diversified (mixed) pools of structured financial products ......................................... G651
g. Other collateral or reference assets ..................................................................... G652
4. Pledged trading assets:
a. Pledged securities............................................................................................ G387
b. Pledged loans ................................................................................................ G388

M.1.c

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

M.3.a.
M.3.b.
M.3.c.
M.3.d.
M.3.e.
M.3. f.
M.3.g.
M.4.a.
M.4.b.

Memorandum items 5 through 10 are to be completed by banks that reported average trading
assets (Schedule RC-K, item 7) of $1 billion or more in any of the four preceding calendar quarters.
5. Asset-backed securities:
a. Credit card receivables .....................................................................................
b. Home equity lines ...........................................................................................
c. Automobile loans ............................................................................................
d. Other consumer loans ......................................................................................
e. Commercial and industrial loans .........................................................................
f. Other.............................................................................................................
6. Retained beneficial interests in securitizations (first-loss or equity tranches) ...................
7. Equity securities (included in Schedule RC-D, item 9, above):
a. Readily determinable fair values .........................................................................
b. Other ............................................................................................................
8. Loans pending securitization .................................................................................

F643
F644
F645
F646
F647
F648
F651
F652
F653
F654

M.5.a.
M.5.b.
M.5.c.
M.5.d.
M.5.e.
M.5. f.
M.6.
M.7.a.
M.7.b.
M.8.
06/2012

FFIEC 041
Page 32 of 85
RC-18

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

F655
F656
F657

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

F658
F659
F660

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

R
AF

1. Exclude equity securities.

Amount

9. Other trading assets (itemize and describe amounts included in Schedule RC-D, item 9,
that are greater than $1,000,000 and exceed 25 percent of the item):1
TEXT
a. F655
TEXT
b. F656
TEXT
c. F657
10. Other trading liabilities (itemize and describe amounts included in Schedule RC-D, item 13.b,
that are greater than $1,000,000 and exceed 25 percent of the item):
TEXT
a. F658
TEXT
b. F659
TEXT
c. F660

RCON

09/2016

FFIEC 041
Page 33 of 85
RC-19

Schedule RC-E—Deposit Liabilities
Nontransaction
Accounts

Transaction Accounts
(Column A)
Total Transaction
Accounts (Including
Total Demand
Deposits)
Amount

RCON

Amount

RCON

B549

B550

2202

2520

2203

2530

B551
2213
2216

2215

Amount

1.
2.
3.

B552
2236

4.
5.

2377

R
AF

Deposits of:
1. Individuals, partnerships, and corporations ......
2. U.S. Government ......................................
3. States and political subdivisions in the U.S. ....
4. Commercial banks and other depository
institutions in the U.S. .................................
5. Banks in foreign countries ...........................
6. Foreign governments and official institutions
(including foreign central banks) ....................
7. Total (sum of items 1 through 6) (sum of
columns A and C must equal Schedule RC,
item 13.a) .................................................

RCON

(Column C)
Total
Nontransaction
Accounts
(Including MMDAs)

Dollar Amounts in Thousands

(Column B)
Memo: Total
Demand Deposits1
(Included in
Column A)

2210

2385

Memoranda

RCON

Amount

6835
2365
HK05

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

HK06

M.1.d.(1)

K220

M.1.d.(3)

5590

M.1.e.

K223

M.1. f.

Dollar Amounts in Thousands
1. Selected components of total deposits (i.e., sum of item 7, columns A and C):
a. Total Individual Retirement Accounts (IRAs) and Keogh Plan accounts ..............................
b. Total brokered deposits ...........................................................................................
c. Brokered deposits of $250,000 or less (fully insured brokered deposits)2 .....................
d. Maturity data for brokered deposits:
(1) Brokered deposits of $250,000 or less with a remaining maturity of one year or less
(included in Memorandum item 1.c above) ...........................................................
(2) Not applicable
(3) Brokered deposits of more than $250,000 with a remaining maturity of one year or
less (included in Memorandum item 1.b above) ........................................................
e. Preferred deposits (uninsured deposits of states and political subdivisions in the U.S.
reported in item 3 above which are secured or collateralized as required under state law)
(to be completed for the December report only) .............................................................
f. Estimated amount of deposits obtained through the use of deposit listing services
that are not brokered deposits ...................................................................................

1. Includes interest-bearing and noninterest-bearing demand deposits.
2. The dollar amount used as the basis for reporting in Memorandum item 1.c reflects the deposit insurance limits in effect on the
report date.

03/2017

FFIEC 041
Page 34 of 85
RC-20

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

Amount

6810
0352
6648
J473
J474

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

F233

M.2.e.

HK07
HK08
HK09
HK10

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

HK11

M.3.b.

HK12
HK13
HK14
HK15

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

K222

M.4.b.

R
AF

2. Components of total nontransaction accounts
(sum of Memorandum items 2.a through 2.d must equal item 7, column C above):
a. Savings deposits:
(1) Money market deposit accounts (MMDAs) ..............................................................
(2) Other savings deposits (excludes MMDAs) .............................................................
b. Total time deposits of less than $100,000 ....................................................................
c. Total time deposits of $100,000 through $250,000 ........................................................
d. Total time deposits of more than $250,000 ...................................................................
e. Individual Retirement Accounts (IRAs) and Keogh Plan accounts of $100,000 or more
included in Memorandum items 2.c and 2.d above .........................................................
3. Maturity and repricing data for time deposits of $250,000 or less:
a. Time deposits of $250,000 or less with a remaining maturity or next repricing date of:1, 2
(1) Three months or less ..........................................................................................
(2) Over three months through 12 months ....................................................................
(3) Over one year through three years ........................................................................
(4) Over three years ...............................................................................................
b. Time deposits of $250,000 or less with a REMAINING MATURITY of one year or less
(included in Memorandum items 3.a.(1) and 3.a.(2) above)3 ............................................
4. Maturity and repricing data for time deposits of more than $250,000:
a. Time deposits of more than $250,000 with a remaining maturity or next repricing date of:1, 4
(1) Three months or less ..........................................................................................
(2) Over three months through 12 months ....................................................................
(3) Over one year through three years ........................................................................
(4) Over three years ...............................................................................................
b. Time deposits of more than $250,000 with a REMAINING MATURITY of one year or less
(included in Memorandum items 4.a.(1) and 4.a.(2) above)3 .............................................

RCON

5. Does your institution offer one or more consumer deposit account products, i.e., transaction
RCON Yes
account or nontransaction savings account deposit products intended primarily for
individuals for personal, household, or family use?............................................................ P752

M.5.

Memorandum items 6 and 7 are to be completed by institutions with $1 billion or more in total
assets5 that answered "Yes" to Memorandum item 5 above.

Dollar Amounts in Thousands RCON
6. Components of total transaction account deposits of individuals, partnerships, and corporations
(sum of Memorandum items 6.a and 6.b must be less than or equal to item 1, column A above):
a. Total deposits in those noninterest-bearing transaction account deposit products intended
primarily for individuals for personal, household, or family use .......................................... P753
b. Total deposits in those interest-bearing transaction account deposit products intended
primarily for individuals for personal, household, or family use .......................................... P754

Amount

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

1. Report fixed-rate time deposits by remaining maturity and floating rate time deposits by next repricing date.
2. Sum of Memorandum items 3.a.(1) through 3.a.(4) must equal Schedule RC-E, sum of Memorandum items 2.b and 2.c.
3. Report both fixed-and floating-rate time deposits by remaining maturity. Exclude floating-rate time deposits with a next repricing date of one year or
less that have a remaining maturity of over one year.
4. Sum of Memorandum items 4.a.(1) through 4.a.(4) must equal Schedule RC-E, Memorandum item 2.d.
5. The $1 billion asset size test is based on the total assets reported on the June 30, 2016,
2017, Report of Condition.

03/2017

FFIEC 041
Page 35 of 85
RC-21

Schedule RC-E—Continued
Memoranda—Continued
RCON

Amount

P756

M.7.a.(1)

P757

M.7.a.(2)

P758

M.7.b.(1)

R
AF

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

M.7.b.(2)

P759

03/2015

FFIEC 041
Page 36 of 85
RC-22

Schedule RC-F—Other Assets
Dollar Amounts in Thousands
1. Accrued interest receivable ................................................................................................
2. Net deferred tax assets2 .....................................................................................................
3. Interest-only strips receivable (not in the form of a security)3 on:
a. Mortgage loans .............................................................................................................
b. Other financial assets ....................................................................................................
4. Equity securities that DO NOT have readily determinable fair values4 ..........................................
5. Life insurance assets: investments without
a. General account life insurance assets ...............................................................................
b. Separate account life insurance assets...............................................................................
c. Hybrid account life insurance assets .................................................................................
6. All other assets
(itemize and describe amounts greater than $100,000 that exceed 25 percent of this item) ...............
a. Prepaid expenses .......................................................................... 2166
b. Repossessed personal property (including vehicles) ............................. 1578
c. Derivatives with a positive fair value held for purposes other than
trading ........................................................................................ C010
d. Retained interests in accrued interest receivable related to
securitized credit cards ................................................................... C436
e. FDIC loss-sharing indemnification assets ............................................ J448
d.
f. Computer software ......................................................................... FT33
e.
g. Accounts receivable ....................................................................... FT34
f.
h. Receivables from foreclosed government-guaranteed mortgage loans ...... FT35
g.
TEXT
3549
h.i. 3549
TEXT
3550
i.j. 3550
TEXT
3551
j.k. 3551
7. Total (sum of items 1 through 6) (must equal Schedule RC, item 11) ...........................................

RCON

Amount

B556
2148
A519
A520

1.
2.

XXXX

1752
K201

2168

R
AF

3.a.
3.b.
4.
5.a.
5.b.
5.c.

K202
K270

2160

6.
6.a.
6.b.
6.c.
6.d.
6.e.
d.
6. f.
e.
6.g.
f.
6.h.
g.
6. i.h.
6. j.i.
j.
6.k.
7.

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

Schedule RC-G—Other Liabilities

Dollar Amounts in Thousands
1. a. Interest accrued and unpaid on deposits1 ...........................................................................
b. Other expenses accrued and unpaid (includes accrued income taxes payable) ..........................
2. Net deferred tax liabilities2 ..................................................................................................
3. Allowance for credit losses on off-balance-sheet credit exposures ..............................................
4. All other liabilities
(itemize and describe amounts greater than $100,000 that exceed 25 percent of this item) ...............
a. Accounts payable .......................................................................... 3066
b. Deferred compensation liabilities ...................................................... C011
c. Dividends declared but not yet payable .............................................. 2932
d. Derivatives with a negative fair value held for purposes other than trading .. C012
TEXT
3552
e. 3552
TEXT
3553
f. 3553
TEXT
3554
g. 3554
5. Total (sum of items 1 through 4) (must equal Schedule RC, item 20) ...........................................

RCON

Amount

3645
3646
3049
B557

1.a.
1.b.
2.
3.

2938

4.
4.a.
4.b.
4.c.
4.d.
4.e.
4. f.
4.g.
5.

2930

1. For savings banks, include "dividends" accrued and unpaid on deposits.
2. See discussion of deferred income taxes in Glossary entry on "income taxes."
09/2016

Item 7 is to be completed by banks that reported total trading assets of $10 million or more in any of the four
preceding calendar quarters and all banks meeting the FDIC's definition of a large or highly complex
institution for deposit insurance assessment purposes.

FFIEC 041
Page 37 of 85
RC-23

Schedule RC-K—Quarterly Averages1
RCON

Amount

3381

B558

2.
3.

B559
B560
3365

4.
5.

3360

6.a.

Dollar Amounts in Thousands
Assets
1. Interest-bearing balances due from depository institutions ....................................................
2. U.S. Treasury securities and U.S. Government agency obligations2
(excluding mortgage-backed securities) ............................................................................
3. Mortgage-backed securities2 ...........................................................................................
2 and equity securities with readily determinable
2, 3
All other
other securities
debt securities
4. All
fair valuessecurities
not held for
trading
purposes
(includes
issued
by states
and3 political subdivisions in the U.S.) ...............................
5. Federal funds sold and securities purchased under agreements to resell .................................
6. Loans:
a. Total loans ..............................................................................................................
b. Loans secured by real estate:
(1) Loans secured by 1– 4 family residential properties .....................................................
(2) All other loans secured by real estate .......................................................................
c. Commercial and industrial loans...................................................................................
d. Loans to individuals for household, family, and other personal expenditures:
(1) Credit cards ........................................................................................................
(2) Other (includes revolving credit plans other than credit cards, automobile loans,
and other consumer loans) .....................................................................................
7. To be completed by banks with $100 million or more in total assets:4
Trading assets .............................................................................................................
8. Lease financing receivables (net of unearned income) .........................................................
9. Total assets5 ...............................................................................................................

3465

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

B561

6.d.(1)

B562

6.d.(2)

3401
3484
3368

7.
8.
9.

3485

10.

B563
HK16
HK17
3353

11.a
11.b.
11.c.
12.

3355

13.

R
AF

3466
3387

Liabilities
10. Interest-bearing transaction accounts (interest-bearing demand deposits, NOW accounts,
ATS accounts, and telephone and preauthorized transfer accounts)........................................
11. Nontransaction accounts:
a. Savings deposits (includes MMDAs) .............................................................................
b. Time deposits of $250,000 or less .............................................................................
c. Time deposits of more than $250,000 .........................................................................
12. Federal funds purchased and securities sold under agreements to repurchase .........................
13. To be completed by banks with $100 million or more in total assets:4
Other borrowed money
(includes mortgage indebtedness and obligations under capitalized leases) .............................

Memorandum

Dollar Amounts in Thousands
Memorandum item 1 is to be completed by:4
• banks with $300 million or more in total assets, and
• banks with less than $300 million in total assets that have loans to finance agricultural
production and other loans to farmers (Schedule RC-C, Part 1, item 3) exceeding 5 percent
of total loans.

RCON

Amount

1. Loans to finance agricultural production and other loans to farmers ........................................ 3386

M.1.

1. For all items, banks have the option of reporting either (1) an average of DAILY figures for the quarter, or (2) an average of WEEKLY figures
(i.e., the Wednesday of each week of the quarter).
2. Quarterly averages for all debt securities should be based on amortized cost.
3. Quarterly averages for all equity securities should be based on historical cost.
2017,
4. The asset-size tests and the 5 percent of total loans test are based on the total assets and total loans reported on the June 30, 2016,
Report of Condition.
5. The quarterly average for total assets should reflect all debt securities (not held for trading) at amortized cost, equity securities with readily
determinable fair values at the lower of cost or fair value, and equity securities without readily determinable fair values at historical cost.

Replace footnotes 3 and 5 with INSERT B
03/2017

INSERT B
SCHEDULE RC-K, REVISED FOOTNOTES 3 AND 5 FOR ITEMS 4 AND 9
For institutions that have adopted ASU 2016-01, which includes provisions governing the accounting for
investments in equity securities, quarterly averages for equity securities with readily determinable fair values should
be based on fair value. For institutions that have not adopted ASU 2016-01, quarterly averages for equity securities
with readily determinable fair values should be based on historical cost.
3

5 The

R
AF

•

Debt securities at amortized cost.
For institutions that have adopted ASU 2016-01, equity securities with readily determinable fair values at fair
value. For institutions that have not adopted ASU 2016-01, equity securities with readily determinable fair
values at the lower of cost or fair value.
For institutions that have adopted ASU 2016-01, equity investments without readily determinable fair values, their
balance sheet carrying values (i.e., fair value or, if elected, cost minus impairment, if any, plus or minus
changes resulting from observable price changes). For institutions that have not adopted ASU 2016-01, equity
investments without readily determinable fair values at historical cost.

•
•

quarterly average for total assets should reflect securities not held for trading as follows:

FFIEC 041
Page 38 of 85
RC-24

Schedule RC-L—Derivatives and Off-Balance-Sheet Items
Please read carefully the instructions for the preparation of Schedule RC-L. Some of the amounts reported in Schedule RC-L
are regarded as volume indicators and not necessarily as measures of risk.
Items 1.b.(1) and 1.b.(2) are to be completed semiannually in the June and
December reports only.

Dollar Amounts in Thousands RCON
1. Unused commitments:
a. Revolving, open-end lines secured by 1– 4 family residential properties, e.g., home equity
lines ..................................................................................................................... 3814
is
Items 1.a.(1) and 1.a.(2) are to be completed for the December report only.

Amount

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

(1) Unused commitments for Home Equity Conversion Mortgage (HECM) reverse mortgages
outstanding that are held for investment (included in item 1.a. above)................................. J477 XXXX
(2) Unused commitments for proprietary reverse mortgages outstanding that are held for
investment (included in item 1.a. above) ................................................................. J478
b. Credit card lines...................................................................................................... 3815

1.a.

Items 1.b.(1) and 1.b.(2) are to be completed by banks with either $300 million or more in
total assets or $300 million or more in credit card lines.1 (Sum of items 1.b.(1) and 1.b.(2)
must equal item 1.b)

J455
J456

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

F164

1.c.(1)(a)

F165
6550

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

R
AF

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

3817
J457

J458
J459
3819

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

Item 2.a is to be completed by banks with $1 billion or more in total assets.1

a. Amount of financial standby letters of credit conveyed to others........ 3820
3. Performance standby letters of credit ............................................................................. 3821

2.a.
3.

Item 3.a is to be completed by banks with $1 billion or more in total assets.1

a. Amount of performance standby letters of credit conveyed to others ...... 3822
4. Commercial and similar letters of credit........................................................................... 3411
5. Not applicable
6. Securities lent and borrowed:
a. Securities lent (including customers' securities lent where the customer is indemnified against
loss by the reporting bank) ......................................................................................... 3433
b. Securities borrowed................................................................................................. 3432

7. Credit derivatives:
a. Notional amounts:
(1) Credit default swaps ...........................
(2) Total return swaps ..............................
(3) Credit options ....................................
(4) Other credit derivatives ........................

(Column A)
Sold Protection
RCON

Amount

3.a.
4.

6.a.
6.b.

(Column B)
Purchased Protection
RCON

C968

C969

C970
C972
C974

C971
C973
C975

Amount

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

1. The asset-size test and the $300 million credit card lines test are based on the total assets and credit card lines reported in the
June 30, 2017,
2016, Report of Condition.
03/2017

FFIEC 041
Page 39 of 85
RC-25

Schedule RC-L—Continued
(Column A)
Sold Protection

Dollar Amounts in Thousands RCON
7. b. Gross fair values:
(1) Gross positive fair value.................... C219
(2) Gross negative fair value .................. C220

Amount

(Column B)
Purchased Protection
RCON

Amount

C221
C222

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

Amount

G401
G402

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

7. c. Notional amounts by regulatory capital treatment:1
(1) Positions covered under the Market Risk Rule:
(a) Sold protection ...........................................................................................
(b) Purchased protection ...................................................................................
(2) All other positions:
(a) Sold protection ...........................................................................................
(b) Purchased protection that is recognized as a guarantee for regulatory capital purposes.......
(c) Purchased protection that is not recognized as a guarantee for regulatory capital
purposes ...................................................................................................

G403
G404

7.c.(2)(a)
7.c.(2)(b)

G405

7.c.(2)(c)

Remaining Maturity of:
(Column B)
Over One Year
Through Five Years

(Column C)
Over Five Years

R
AF

(Column A)
One Year or Less

Dollar Amounts in Thousands
7. d. Notional amounts by remaining maturity:
(1) Sold credit protection:2
(a) Investment grade ........................
(b) Subinvestment grade ...................
(2) Purchased credit protection:3
(a) Investment grade ........................
(b) Subinvestment grade ...................

RCON

Amount

RCON

Amount

RCON

G406

G407

G408

G409

G410

G411

G412

G413

G414

G415

G416

G417

Not applicable

RCON

8. Spot foreign exchange contracts ................................................................................ 8765
9. All other off-balance-sheet liabilities (exclude derivatives) (itemize and describe each
component of this item over 25 percent of Schedule RC, item 27.a, "Total bank equity capital") .. 3430
a. Not applicable
b. Commitments to purchase when-issued securities ...................... 3434
c. Standby letters of credit issued by another party
(e.g., a Federal Home Loan Bank) on the bank's behalf ............... C978
TEXT
3555
d. 3555
TEXT
3556
e. 3556
TEXT
3557
f. 3557
10. All other off-balance-sheet assets (exclude derivatives) (itemize and
describe each component of this item over 25 percent of Schedule
5591
RC, item 27.a, "Total bank equity capital"): ...................................
a. Commitments to sell when-issued securities .............................. 3435
TEXT
5592
b. 5592
TEXT
5593
c. 5593
TEXT
5594
d. 5594
TEXT
5595
e. 5595

Amount

7.d.(1)(a)
7.d.(1)(b)
7.d.(2)(a)
7.d.(2)(b)
Amount

8.
9.
9.b.
9.c.
9.d.
9.e.
9. f.

10.
10.a.
10.b.
10.c.
10.d.
10.e.

1. Sum of items 7.c.(1)(a) and 7.c.(2)(a), must equal sum of items 7.a.(1) through (4), column A. Sum of items 7.c.(1)(b), 7.c.(2)(b), and 7.c.(2)(c) must
equal sum of items 7.a.(1) through (4), column B.
2. Sum of items 7.d.(1)(a) and (b), columns A through C, must equal sum of items 7.a.(1) through (4), column A.
3. Sum of items 7.d.(2)(a) and (b), columns A through C, must equal sum of items 7.a.(1) through (4), column B.

03/2015

FFIEC 041
Page 40 of 85
RC-26

Schedule RC-L—Continued
Items 11.a and 11.b are to be completed semiannually in the June and December reports only.

Dollar Amounts in Thousands RCON
11. Year-to-date merchant credit card sales volume:
a. Sales for which the reporting bank is the acquiring bank............................................. C223
b. Sales for which the reporting bank is the agent bank with risk...................................... C224
(Column A)
Interest Rate
Contracts

(Column B)
Foreign Exchange
Contracts

(Column C)
Equity Derivative
Contracts

(Column D)
Commodity and Other
Contracts

Amount

RCON 8693

RCON 8694

RCON 8695

RCON 8696

RCON 8697

RCON 8698

RCON 8699

RCON 8700

R
AF

b. Forward contracts .....
c. Exchange-traded
option contracts:
(1) Written options.....

11.a.
11.b.

Dollar Amounts in Thousands
Derivatives Position Indicators
12. Gross amounts (e.g.,
notional amounts) (for each
column, sum of items 12.a
through 12.e must equal
sum of items 13 and 14):
a. Futures contracts ......

Amount

(2) Purchased options
d. Over-the-counter
option contracts:
(1) Written options.....
(2) Purchased options

RCON 8702

RCON 8703

RCON 8704

RCON 8705

RCON 8706

RCON 8707

RCON 8708

RCON 8710

RCON 8711

RCON 8712

RCON 8713

RCON 8714

RCON 8715

RCON 8716

RCON 3450

RCON 3826

RCON 8719

RCON 8720

RCON A126

RCON 8725

RCON A127

RCON 8726

RCON 8723

RCON 8727

12.b.

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

RCON 8709

e. Swaps ....................
13. Total gross notional
amount of derivative
contracts held for trading
14. Total gross notional
amount of derivative
contracts held for
purposes other than
trading ......................
a. Interest rate swaps
where the bank has
agreed to pay a fixed
rate ........................
15. Gross fair values of
derivative contracts:
a. Contracts held for trading:
(1) Gross positive fair
value .................
(2) Gross negative fair
value .................
b. Contracts held for
purposes other than
trading:
(1) Gross positive fair
value .................
(2) Gross negative fair
value .................

RCON 8701

12.a.

12.d.(1)
12.d.(2)
12.e.

RCON 8724

13.

RCON 8728

14.

RCON A589

14.a.

RCON 8733

RCON 8734

RCON 8735

RCON 8736

RCON 8737

RCON 8738

RCON 8739

RCON 8740

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

RCON 8741

RCON 8742

RCON 8743

RCON 8744

RCON 8745

RCON 8746

RCON 8747

RCON 8748

15.b.(1)
15.b.(2)
03/2015

FFIEC 041
Page 41 of 85
RC-27

Schedule RC-L—Continued
Item 16 is to be completed only by banks with total assets of $10 billion or more.1

Dollar Amounts in Thousands
16. Over-the-counter derivatives:
a. Net current credit exposure .....................
b. Fair value of collateral: ...........................
(1) Cash—U.S. dollar.............................
(2) Cash—Other currencies ....................
(3) U.S. Treasury securities.....................
(4) U.S. Government agency and U.S.
Government-sponsored agency debt
securities ........................................
(5) Corporate bonds ..............................
(6) Equity securities ...............................
(7) All other collateral .............................
(8) Total fair value of collateral
(sum of items 16.b.(1) through (7)) .......

(4) through (6) Not applicable

(Column B)
Monoline Financial
Guarantors

(Column C)
Hedge Funds

(Column D)
Sovereign Governments

(Column E)
Corporations and All
Other Counterparties

AF
T

(Column A)
Banks and Securities
Firms

RCON

Amount

RCON

Amount

RCON

Amount

RCON

Amount

RCON

Amount

G418

G419

G420

G421

G422

16.a.

G423

G424

G425

G426

G427

G428
G433

G429
G434

G430
G435

G431
G436

G432
G437

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

G438
G443

G439
G444

G440
G445

G441
G446

G442
G447

G448
G453

G449
G454

G450
G455

G451
G456

G452
G457

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

G458

G459

G460

G461

G462

16.b.(8)

D
R

1. The $10 billion asset-size test is based on the total assets reported on the June 30, 2017,
2016, Report of Condition.

03/2017

FFIEC 041
Page 42 of 85
RC-28

Schedule RC-M—Memoranda
RCON

6164

Amount

1.a.

1.b.
3164

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

Dollar Amounts in Thousands
1. Extensions of credit by the reporting bank to its executive officers, directors, principal
shareholders, and their related interests as of the report date:
a. Aggregate amount of all extensions of credit to all executive officers, directors, principal
shareholders, and their related interests .....................................................................
b. Number of executive officers, directors, and principal shareholders to whom the
amount of all extensions of credit by the reporting bank (including extensions of
Number
credit to related interests) equals or exceeds the lesser of $500,000 or 5
percent of total capital as defined for this purpose in agency regulations .... 6165
2. Intangible assets other than goodwill:
a. Mortgage servicing assets ........................................................................................
(1) Estimated fair value of mortgage servicing assets ..................... A590
Goodwill
b. Purchased credit card relationships and nonmortgage servicing assets ..............................
c. All other identifiable intangible assets ..........................................................................
d. Total (sum of items 2.a, 2.b, and 2.c) (must equal Schedule RC, item 10.b) ........................
3. Other real estate owned:
a. Construction, land development, and other land ............................................................
b. Farmland ..............................................................................................................
c. 1–4 family residential properties ................................................................................
d. Multifamily (5 or more) residential properties.................................................................
e. Nonfarm nonresidential properties ..............................................................................
f. Foreclosed properties from "GNMA loans" ...................................................................
f. g. Total (sum of items 3.a through 3.f) (must equal Schedule RC, item 7)...............................
4. Not applicable
3.e.
5. Other borrowed money:
a. Federal Home Loan Bank advances:
(1) Advances with a remaining maturity or next repricing date of:1
(a) One year or less.............................................................................................
(b) Over one year through three years .....................................................................
(c) Over three years through five years ....................................................................
(d) Over five years ..............................................................................................
(2) Advances with a REMAINING MATURITY of one year or less
(included in item 5.a.(1)(a) above)2 .........................................................................
(3) Structured advances (included in items 5.a.(1)(a)–(d) above).......................................
b. Other borrowings:
(1) Other borrowings with a remaining maturity or next repricing date of:3
(a) One year or less.............................................................................................
(b) Over one year through three years .....................................................................
(c) Over three years through five years ....................................................................
(d) Over five years ..............................................................................................
(2) Other borrowings with a REMAINING MATURITY of one year or less
(included in item 5.b.(1)(a) above)4 .........................................................................
c. Total
(sum of items 5.a.(1)(a)–(d) and items 5.b.(1)(a)–(d)) (must equal Schedule RC, item 16) ......

3163
B026
5507
2143
0426
5508

R
AF

5509
5510
5511

5512
C979
2150

F055
F056

3.a.
3.b.
3.c.
3.d.
3.e.
3. f. *
3.g. 3.f.

F057
F058

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

2651
F059

5.a.(2)
5.a.(3)

F060
F061
F062
F063

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

B571

5.b.(2)

3190

5.c.

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

* Amounts previously reported in item 3.f (MDRM RCONC979) will be included in item 3.c.

06/2012

FFIEC 041
Page 43 of 85
RC-29

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

6.
Amount

8.a.

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

R
AF

7. Assets under the reporting bank's management in proprietary mutual funds and annuities.......... B570
8. Internet website addresses and physical office trade names:
a. Uniform Resource Locator (URL) of the reporting institution’s primary Internet website (home page), if any
(Example: www.examplebank.com):
TEXT
http://
4087
b. URLs of all other public-facing Internet websites that the reporting institution uses to accept or solicit deposits from
the public, if any (Example: www.examplebank.biz):1
TE01
(1)
http://
N528
TE02
(2)
http://
N528
TE03
(3)
http://
N528
TE04
(4)
http://
N528
TE05
(5)
http://
N528
TE06
(6)
http://
N528
TE07
(7)
http://
N528
TE08
(8)
http://
N528
TE09
(9)
http://
N528
TE10
(10) N528 http://
c. Trade names other than the reporting institution’s legal title used to identify one or more of the institution’s physical
offices at which deposits are accepted or solicited from the public, if any:
TE01
(1)
N529
TE02
(2)
N529
TE03
(3)
N529
TE04
(4)
N529
TE05
(5)
N529
TE06
(6)
N529

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

Item 9 is to be completed annually in the December report only.

No
RCON Yes
9. Do any of the bank's Internet websites have transactional capability, i.e., allow the
4088
bank's customers to execute transactions on their accounts through the website? ..............
10. Secured liabilities:
Amount
RCON
a. Amount of ''Federal funds purchased" that are secured
F064
(included in Schedule RC, item 14.a) .....................................................................
b. Amount of ''Other borrowings" that are secured
(included in Schedule RC-M, items 5.b.(1)(a)–(d)) .................................................... F065

RCON Yes
11. Does the bank act as trustee or custodian for Individual Retirement Accounts, Health
Savings Accounts, and other similar accounts?............................................................ G463
12. Does the bank provide custody, safekeeping, or other services involving the acceptance
of orders for the sale or purchase of securities? ........................................................... G464

10.a.
10.b.

11.
12.

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

03/2015

FFIEC 041
Page 44 of 85
RC-30

Schedule RC-M—Continued
RCON

Amount

K169
K170
K171

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

K172

13.a.(1)(c)(1)

Dollar Amounts in Thousands
13. Assets covered by loss-sharing agreements with the FDIC:
a. Loans and leases (included in Schedule RC, items 4.a and 4.b):
(1) Loans secured by real estate:
(a) Construction, land development, and other land loans:
(1) 1–4 family residential construction loans ..........................................
(2) Other construction loans and all land development and other land loans .......
(b) Secured by farmland ..........................................................................
(c) Secured by 1–4 family residential properties:
(1) Revolving, open-end loans secured by 1– 4 family residential
properties and extended under lines of credit.....................................
(2) Closed-end loans secured by 1– 4 family residential properties:
(a) Secured by first liens ...............................................................
(b) Secured by junior liens ............................................................
(d) Secured by multifamily (5 or more) residential properties ...........................
(e) Secured by nonfarm nonresidential properties:
(1) Loans secured by owner-occupied nonfarm nonresidential properties........
(2) Loans secured by other nonfarm nonresidential properties ...................
(2) through (4) Not applicable
(5) All other loans and all leases.....................................................................

K173

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

K176
K177

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

R
AF

K174
K175

13.a.(5)

K183

03/2017

FFIEC 041
Page 45 of 85
RC-31

Schedule RC-M—Continued
Items 14.a and 14.b are to be completed annually in the December report only.

RCON

Amount

K187
K188
K189
K190
K191

13.b.(1)
13.b.(2)
13.b.(3)
13.b.(4)
13.b.(5)

K192
J461
J462

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

K193
K194

14.a.
14.b.

Dollar Amounts in Thousands
b. Other real estate owned (included in Schedule RC, item 7):
(1) Construction, land development, and other land ...................................................
(2) Farmland .....................................................................................................
(3) 1–4 family residential properties .......................................................................
(4) Multifamily (5 or more) residential properties........................................................
(5) Nonfarm nonresidential properties .....................................................................
(6) Not applicable
(7) Portion of covered other real estate owned included in items 13.b.(1) through (5)
above that is protected by FDIC loss-sharing agreements ......................................
c. Debt securities (included in Schedule RC, items 2.a and 2.b) .......................................
d. Other assets (exclude FDIC loss-sharing indemnification assets) ..................................
14. Captive insurance and reinsurance subsidiaries:
a. Total assets of captive insurance subsidiaries1 ..........................................................
b. Total assets of captive reinsurance subsidiaries1 .......................................................
Item 15 is to be completed by institutions that are required or have elected to be treated as a
Qualified Thrift Lender.

R
AF

15. Qualified Thrift Lender (QTL) test:
a. Does the institution use the Home Owners’ Loan Act (HOLA) QTL test or the Internal
Number
RCON
Revenue Service Domestic Building and Loan Association (IRS DBLA) test to determine its
L133
QTL compliance? (for the HOLA QTL test, enter 1; for the IRS DBLA test, enter 2) ..............
Yes
No
b. Has the institution been in compliance with the HOLA QTL test as of each month end during
L135
the quarter or the IRS DBLA test for its most recent taxable year, as applicable? ..................

15.a.
15.b.

1. Report total assets before eliminating intercompany transactions between the consolidated insurance or reinsurance subsidiary and other offices or
consolidated subsidiaries of the reporting bank.

03/2014

FFIEC 041
Page 46 of 85
RC-32

Schedule RC-M—Continued
Item 16.a and, if appropriate, items 16.c and 16.d are to be completed semiannually in the June
and December reports only. Item 16.b is to be completed annually in the June report only.

RCON Yes

N517

N520

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

N521

16.b.

N518
N519

16. International remittance transfers offered to consumers:1
a. As of the report date, did your institution offer to consumers in any state any of
the following mechanisms for sending international remittance transfers?
(1) International wire transfers...............................................................................
(2) International ACH transactions .........................................................................
(3) Other proprietary services operated by your institution...........................................
(4) Other proprietary services operated by another party ............................................
b. Did your institution provide more than 100 international remittance transfers in the
previous calendar year or does your institution estimate that it will provide more
than 100 international remittance transfers in the current calendar year? ........................
Items 16.c and 16.d are to be completed by institutions that answered “Yes” to item 16.b in the
current report or, if item 16.b is not required to be completed in the current report, in the most
recent prior report in which item 16.b was required to be completed.

R
AF

c. Indicate which of the mechanisms described in items 16.a.(1), (2), and (3) above is the
mechanism that your institution estimates accounted for the largest number of international
remittance transfers your institution provided during the two calendar quarters ending on
the report date. (For international wire transfers, enter 1; for international ACH
transactions, enter 2; for other proprietary services operated by your institution, enter 3. If
your institution did not provide any international remittance transfers using the mechanisms
RCON
described in items 16.a.(1), (2), and (3) above during the two calendar quarters ending on
the report date, enter 0.)........................................................................................ N522
d. Estimated number and dollar value of international remittance transfers provided
by your institution during the two calendar quarters ending on the report date:
(1) Estimated number of international remittance transfers .......................................... N523
(2) Estimated dollar value of international remittance transfers ..................................... N524
(3) Estimated number of international remittance transfers for which your institution
applied the temporary exception ....................................................................... N527

Number

16.c.

16.d.(1)
Amount
Number

16.d.(2)
16.d.(3)

1. Report information about international electronic transfers of funds offered to consumers in the United States that:
(a) are “remittance transfers” as defined by subpart B of Regulation E (12 CFR § 1005.30(e)), or
(b) would qualify as “remittance transfers” under subpart B of Regulation E (12 CFR § 1005.30(e)) but are excluded from that definition only because
the provider is not providing those transfers in the normal course of its business. See 12 CFR § 1005.30(f).
For purposes of this item 16, such transfers are referred to as international remittance transfers.

Exclude transfers sent by your institution as a correspondent bank for other providers. With the exception of item 16.a.(4), report
information only about transfers for which the reporting institution is the provider. For item 16.a.(4), report information about
transfers for which another party is the provider, and the reporting institution is an agent or a similar type of business partner interacting with the
consumers sending the international remittance transfers.

03/2015

FFIEC 041
Page 47 of 85
RC-33

Schedule RC-N—Past Due and Nonaccrual Loans, Leases, and Other Assets
(Column A)
Past due
30 through 89
days and still
accruing
RCON

Amount

RCON

Amount

(Column C)
Nonaccrual

RCON

Amount

F174

F176

1.a.(1)

F173
3493

F175
3494

F177
3495

1.a.(2)
1.b.

5399

5400

1.c.(1)

C237
C239

C229
C230

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

3499

3500

3501

1.d.

F178

F180

F182

1.e.(1)

F179

F181

F183

1.e.(2)

B834

B835

B836

1606

1607

1608

B575
K213

B576
K214

B577
K215

5.a.
5.b.

K216

K217

K218

5.c.

5459

5460

5461

1226
1406

1227
1407

1228
1403

7.
8.
9.

5398

C236
C238

F172

R
AF

Dollar Amounts in Thousands
1. Loans secured by real estate:
a. Construction, land development, and other
land loans:
(1) 1–4 family residential construction loans ....
(2) Other construction loans and all land
development and other land loans .........
b. Secured by farmland ...............................
c. Secured by 1–4 family residential properties:
(1) Revolving, open-end loans secured by
1–4 family residential properties and
extended under lines of credit................
(2) Closed-end loans secured by 1– 4 family
residential properties:
(a) Secured by first liens ......................
(b) Secured by junior liens....................
d. Secured by multifamily (5 or more)
residential properties ...............................
e. Secured by nonfarm nonresidential
properties:
(1) Loans secured by owner-occupied
nonfarm nonresidential properties ..........
(2) Loans secured by other nonfarm
nonresidential properties ......................
2. Loans to depository institutions and
acceptances of other banks ..........................
3. Not applicable
4. Commercial and industrial loans ....................
5. Loans to individuals for household, family,
and other personal expenditures:
a. Credit cards ...........................................
b. Automobile loans ....................................
c. Other (includes revolving credit plans
other than credit cards and other
consumer loans) .....................................
6. Not applicable
7. All other loans1 ..........................................
8. Lease financing receivables .........................
9. Total loans and leases (sum of items 1 through 8) ..

(Column B)
Past due 90
days or more
and still
accruing

1. Includes past due and nonaccrual "Loans to finance agricultural productions and other loans to farmers," "Obligations (other than securities and
leases) of states and political subdivisions in the U.S.," and "Loans to nondepository financial institutions and other loans."

03/2017

FFIEC 041
Page 48 of 85
RC-34

Schedule RC-N—Continued
Amounts reported by loan and lease category in Schedule RC-N, items 1 through 8, include guaranteed and unguaranteed
portions of past due and nonaccrual loans and leases. Report in items 11 and 12 below certain guaranteed loans and leases
that have already been included in the amounts reported in items 1 through 8.
(Column A)
Past due
30 through 89
days and still
accruing

3505

K036

Amount

RCON

3506

Amount

RCON

3507

Amount

10.

RCON

(Column C)
Nonaccrual

K037

K038

11.

K040

K041

11.a.

K042

K043

K044

11.b.

K045

K046

K047

12.a.(1)(a)

K048
K051

K049
K052

K050
K053

12.a.(1)(b)
12.a.(2)

K054

K055

K056

12.a.(3)(a)

K057
K060

K058
K061

K059
K062

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

K063

K064

K065

12.a.(4)

K066

K067

K068

12.a.(5)(a)

K069

K070

K071

12.a.(5)(b)

K039

R
AF

Dollar Amounts in Thousands
10. Debt securities and other assets (exclude
other real estate owned and other
repossessed assets) ...............................
11. Loans and leases reported in items 1 through
8 above that are wholly or partially
guaranteed by the U.S. Government, excluding
loans and leases covered by loss-sharing
agreements with the FDIC............................
a. Guaranteed portion of loans and
leases included in item 11 above,
excluding rebooked "GNMA loans" .........
b. Rebooked "GNMA loans" that have
been repurchased or are eligible for
repurchase included in item 11 above ........
12. Loans and leases reported in items 1
through 8 above that are covered by
loss-sharing agreements with the FDIC:
a. Loans secured by real estate:
(1) Construction, land development,
and other land loans:
(a) 1–4 family residential
construction loans ......................
(b) Other construction loans and all
land development and other land
loans .......................................
(2) Secured by farmland .......................
(3) Secured by 1– 4 family residential
properties:
(a) Revolving, open-end loans secured
by 1–4 family residential properties
and extended under lines of credit ......
(b) Closed-end loans secured by
1–4 family residential properties:
(1) Secured by first liens ..............
(2) Secured by junior liens ...........
(4) Secured by multifamily (5 or more)
residential properties ......................
(5) Secured by nonfarm nonresidential
properties:
(a) Loans secured by owner-occupied
nonfarm nonresidential properties......
(b) Loans secured by other nonfarm
nonresidential properties ..............
b. through d. Not applicable

(Column B)
Past due 90
days or more
and still
accruing

03/2017

FFIEC 041
Page 49 of 85
RC-35

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

RCON

Amount

(Column C)
Nonaccrual

RCON

Amount

K088

K089

12.e.

K103

K104

12. f.

R
AF

Dollar Amounts in Thousands RCON
12. e. All other loans and all leases ................... K087
f. Portion of covered loans and leases
included in items 12.a through 12.e
above that is protected by FDIC losssharing agreements............................... K102

(Column B)
Past due 90
days or more
and still
accruing

03/2017

FFIEC 041
Page 50 of 85
RC-36

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

K105
K108

Amount

RCON

Amount

RCON

Amount

RCON

(Column C)
Nonaccrual

K106

K107

M.1.a.(1)

K109

K110

M.1.a.(2)

R
AF

Dollar Amounts in Thousands
1. Loans restructured in troubled debt
restructurings included in Schedule RC-N,
items 1 through 7, above (and not
reported in Schedule RC-C, Part I,
Memorandum item 1):
a. Construction, land development, and
other land loans:
(1) 1–4 family residential construction
loans ................................................
(2) Other construction loans and all land
development and other land loans ..........
b. Loans secured by 1– 4 family residential
properties ..............................................
c. Secured by multifamily (5 or more)
residential properties ...............................
d. Secured by nonfarm nonresidential
properties:
(1) Loans secured by owner-occupied
nonfarm nonresidential properties ..........
(2) Loans secured by other nonfarm
nonresidential properties......................
e. Commercial and industrial loans ................

(Column B)
Past due 90
days or more
and still
accruing

F661

F662

F663

M.1.b.

K111

K112

K113

M.1.c.

K114

K115

K116

M.1.d.(1)

K117

K118

K119

K257

K258

K259

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

(1) To U.S. addressees (domicile) .............. K120
(2) To non-U.S. addressees (domicile) ........ K123
f. All other loans (include loans to
individuals for household, family, and
other personal expenditures) ..................... K126

K121
K124

K122
K125

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

K127

K128

M.1. f.

K131

K132

M.1. f.(1)

Memorandum items 1.e.(1) and (2) are to be
completed by banks with $300 million or more in
total assets (sum of Memorandum items 1.e.(1)
and (2) must equal Memorandum item 1.e):1

Itemize loan categories included in
Memorandum item 1.f, above that exceed
10 percent of total loans restructured in
troubled debt restructurings that are past due
30 days or more or in nonaccrual status (sum
of Memorandum items 1.a through 1.e plus 1.f,
columns A through C):
(1) Loans secured by farmland .................. K130
(2) and (3) Not applicable

1. The $300 million asset-size test is based on the total assets reported on the June 30, 2017,
2016, Report of Condition.

03/2017

FFIEC 041
Page 51 of 85
RC-37

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

Amount

RCON

K275

K276

K278

K279

K281

K282

R
AF

Memorandum item 1.f.(5) is to be
completed by:1
• Banks with $300 million or more in
total assets
Banks
with less than $300 million in
•
total assets that have loans to
finance agricultural production and
other loans to farmers (Schedule
RC-C, Part I, item 3) exceeding 5
percent of total loans

Amount

(Column C)
Nonaccrual

(5) Loans to finance agricultural production and other loans to farmers
included in Schedule RC-N,
Memorandum item 1.f, above ..........
1.g. Total loans restructured in troubled debt
restructurings included in Schedule
RC-N, items 1 through 7, above and not
reported in Schedule RC-C, Part I,
Memorandum item 1 (sum of
Memorandum items 1.a.(1) through 1.e
plus 1.f)2 ...........................................
2. Loans to finance commercial real estate,
construction, and land development activities
(not secured by real estate) included in
Schedule RC-N, items 4 and 7, above ........
3. Memorandum items 3.a through 3.d are to
be completed by banks with $300 million or
more in total assets:1
a. Loans secured by real estate to non-U.S.
addressees (domicile) (included in
Schedule RC-N, item 1, above)..............
b. Loans to and acceptances of foreign
banks (included in Schedule RC-N, item
2, above)...........................................
c. Commercial and industrial loans to nonU.S. addressees (domicile) included in
Schedule RC-N, item 4, above...............

Amount

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

Dollar Amounts in Thousands RCON
1.f. (4) Loans to individuals for household,
family, and other personal expenditures:
(a) Credit cards ................................ K274
(b) Automobile loans ......................... K277
(c) Other (includes revolving credit
plans other than credit cards
and other consumer loans)............. K280

(Column B)
Past due 90
days or more
and still
accruing

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

K138

K139

K140

M.1. f.(5)

HK26

HK27

HK28

M.1.g.

6558

6559

6560

M.2.

1248

1249

1250

M.3.a.

5380

5381

5382

M.3.b.

1254

1255

1256

M.3.c.

1. The $300 million asset-size test and the 5 percent of total loans test are based on the total assets and total loans reported on the
June 30, 2017,
2016, Report of Condition.
2. Exclude amounts reported in Memorandum items 1.e.(1), 1.e.(2), and 1.f.(1) through 1.f.(5) when calculating the total in Memorandum item 1.g.
03/2017

FFIEC 041
Page 52 of 85
RC-38

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

Dollar Amounts in Thousands RCON
3.d. Leases to individuals for household, family,
and other personal expenditures (included
in Schedule RC-N, item 8, above)............... F166

Amount

F167

Amount

RCON

F168

M.3.d.

banks with $300 million or more in total
assets
banks with less than $300 million in total
assets that have loans to finance agricultural
production and other loans to farmers
(Schedule RC-C, Part I, item 3) exceeding 5
percent of total loans:

R
AF

•
•

RCON

(Column C)
Nonaccrual

Memorandum item 4 is to be completed by:

Amount

(Column B)
Past due 90
days or more
and still
accruing

4. Loans to finance agricultural production and
other loans to farmers (included in Schedule
RC-N, item 7, above) ..................................
5. Loans and leases held for sale and loans
measured at fair value (included in Schedule
RC-N, items 1 through 8, above):
a. Loans and leases held for sale ..................
b. Loans measured at fair value:
(1) Fair value .........................................
(2) Unpaid principal balance ......................

1594

1597

1583

M.4.

C240

C241

C226

M.5.a.

F664
F667

F665
F668

F666
F669

M.5.b.(1)
M.5.b.(2)

Memorandum items 7, 8, 9.a, and 9.b are to be completed semiannually in the June and December reports only.

RCON

Amount

6. Not applicable
C410
7. Additions to nonaccrual assets during the quarter .............................................................
previous six months
8. Nonaccrual assets sold during the quarter ....................................................................... C411
(Column A)
Past due
30 through 89
days and still
accruing

Dollar Amounts in Thousands RCON
9. Purchased credit-impaired loans accounted for
in accordance with FASB ASC 310-30 (former
AICPA Statement of Position 03-3):
a. Outstanding balance................................ L183
b. Amount included in Schedule RC-N, items 1
through 7, above .................................... L186

Amount

(Column B)
Past due 90
days or more
and still
accruing

RCON

Amount

M.7.
M.8.

(Column C)
Nonaccrual

RCON

Amount

L184

L185

M.9.a.

L187

L188

M.9.b.

1. The $300 million asset-size test and the 5 percent of total loans test are based on the total assets and total loans reported on the
June 30, 2016,
2017, Report of Condition.

03/2017

FFIEC 041
Page 53 of 85
RC-39

Schedule RC-O—Other Data for Deposit Insurance and FICO Assessments
All FDIC-insured depository institutions must complete items 1 and 2, 4 through 9,10, and 11, Memorandum item 1, and, if
applicable, item 9.a, Memorandum items 2, 3, and 6 through 18 each quarter. Unless otherwise indicated, complete items 1
through 11 and Memorandum items 1 through 3 on an “unconsolidated single FDIC certificate number basis” (see instructions)
and complete Memorandum items 6 through 18 on a fully consolidated basis.
Dollar Amounts in Thousands RCON
1. Total deposit liabilities before exclusions (gross) as defined in Section 3(l) of the Federal
Deposit Insurance Act and FDIC regulations .......................................................................... F236
2. Total allowable exclusions, including interest accrued and unpaid on allowable exclusions .............. F237
3. Not applicable
4. Average consolidated total assets for the calendar quarter........................................................ K652
Number
a. Averaging method used
(for daily averaging, enter 1, for weekly averaging, enter 2) ...................... K653

Amount

1.
2.
4.

4.a.

K654

5.
6.

K655

G465
G466

R
AF

5. Average tangible equity for the calendar quarter1 ....................................................................
6. Holdings of long-term unsecured debt issued by other FDIC-insured depository institutions .............
7. Unsecured "Other borrowings" with a remaining maturity of (sum of items 7.a through 7.d must be
less than or equal to Schedule RC-M, items 5.b.(1)(a)–(d) minus item 10.b):
a. One year or less ...........................................................................................................
b. Over one year through three years ...................................................................................
c. Over three years through five years ..................................................................................
d. Over five years .............................................................................................................
8. Subordinated notes and debentures with a remaining maturity of
(sum of items 8.a. through 8.d. must equal Schedule RC, item 19):
a. One year or less ...........................................................................................................
b. Over one year through three years ...................................................................................
c. Over three years through five years ..................................................................................
d. Over five years .............................................................................................................
9. Reciprocal brokered deposits (included in Schedule RC-E, Memorandum item 1.b) .......................

Amount

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

G467
G468

G469
G470

8.a.
8.b.
8.c.
8.d.
9.

G471
G472
G803

Item 9.a is to be completed on a fully consolidated basis by all institutions that own another insured
depository institution.

a. Fully consolidated reciprocal brokered deposits................................................................... L190
10. Banker's bank certification:
Yes
Does the reporting institution meet both the statutory definition of a banker's bank and the business
K656
conduct test set forth in FDIC regulations? ............................................................................
If the answer to item 10 is "YES," complete items 10.a and 10.b.

a. Banker's bank deduction ................................................................................................ K657
b. Banker's bank deduction limit .......................................................................................... K658
11. Custodial bank certification:

9.a.
No

10.
Amount

10.a.
10.b.
Yes

11.

Does the reporting institution meet the definition of a custodial bank set forth in FDIC regulations? .. K659
If the answer to item 11 is "YES," complete items 11.a and 11.b.2

a. Custodial bank deduction ............................................................................................... K660
b. Custodial bank deduction limit ......................................................................................... K661

Amount

11.a.
11.b.

1. See instructions for averaging methods. For deposit insurance assessment purposes, tangible equity is defined as Tier 1 capital as set forth in the
banking agencies' regulatory capital standards and reported in Schedule RC-R, Part I, item 26, except as described in the instructions.
2. If the amount reported in item 11.b is zero, item 11.a may be left blank.

09/2016

FFIEC 041
Page 54 of 85
RC-40

Schedule RC-O—Continued
Memoranda
Amount

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

Dollar Amounts in Thousands RCON
1. Total deposit liabilities of the bank, including related interest accrued and unpaid, less
allowable exclusions, including related interest accrued and unpaid (sum of Memorandum
items 1.a.(1), 1.b.(1), 1.c.(1), and 1.d.(1) must equal Schedule RC-O, item 1 less item 2):
a. Deposit accounts (excluding retirement accounts) of $250,000 or less:1
(1) Amount of deposit accounts (excluding retirement accounts) of $250,000 or less............. F049
Number
(2) Number of deposit accounts (excluding retirement accounts)
F050
of $250,000 or less ...............................................................
b. Deposit accounts (excluding retirement accounts) of more than $250,000:1
(1) Amount of deposit accounts (excluding retirement accounts) of more than $250,000 ........ F051
Number
(2) Number of deposit accounts (excluding retirement accounts)
F052
of more than $250,000 ...........................................................
c. Retirement deposit accounts of $250,000 or less:1
(1) Amount of retirement deposit accounts of $250,000 or less ........................................ F045

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

Number

(2) Number of retirement deposit accounts of $250,000 or less........... F046

M.1.c.(2)

d. Retirement deposit accounts of more than $250,000:
(1) Amount of retirement deposit accounts of more than $250,000 ................................... F047

R
AF

M.1.d.(1)

Number

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

M.1.d.(2)

Memorandum item 2 is to be completed by banks with $1 billion or more in total assets.2

2. Estimated amount of uninsured deposits including related interest accrued and unpaid
(see instructions)3 ....................................................................................................... 5597
3. Has the reporting institution been consolidated with a parent bank or savings association
in that parent bank's or parent savings association's Call Report?
If so, report the legal title and FDIC Certificate Number of the parent bank or parent savings
RCON
association:
TEXT
A545

A545

M.2.

FDIC Cert. No.

M.3.

4. and 5. Not applicable

1. The dollar amounts used as the basis for reporting in Memorandum items 1.a through 1.d reflect the deposit insurance limits in effect on the report date.
2. The $1 billion asset-size test is based on the total assets reported on the June 30, 2017,
2016, Report of Condition.
3. Uninsured deposits should be estimated based on the deposit insurance limits set forth in Memorandum items 1.a through 1.d.

03/2017

FFIEC 041
Page 55 of 85
RC-41

Schedule RC-O—Continued
Amounts reported in Memorandum items 6 through 9, 14, and 15 will not be made available to the public on an
individual institution basis.

Memoranda—Continued
Dollar Amounts in Thousands
Memorandum items 6 through 12 are to be completed by "large institutions" and "highly complex
institutions" as defined in FDIC regulations.

Amount

K665
K666

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

N025
N026

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

N027
N028

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

N029
N030

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

K676

M.10.a.

K677

M.10.b.

K669

M.11.

K678

M.12.

N177

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

K663
K664

R
AF

6. Criticized and classified items:
a. Special mention ......................................................................................................
b. Substandard ..........................................................................................................
c. Doubtful ................................................................................................................
d. Loss .....................................................................................................................
7. “Nontraditional 1– 4 family residential mortgage loans” as defined for assessment purposes
only in FDIC regulations:
a. Nontraditional 1– 4 family residential mortgage loans......................................................
b. Securitizations of nontraditional 1– 4 family residential mortgage loans ..............................
8. “Higher-risk consumer loans” as defined for assessment purposes only in FDIC regulations:
a. Higher-risk consumer loans.......................................................................................
b. Securitizations of higher-risk consumer loans ...............................................................
9. “Higher-risk commercial and industrial loans and securities” as defined for assessment
purposes only in FDIC regulations:
a. Higher-risk commercial and industrial loans and securities ..............................................
b. Securitizations of higher-risk commercial and industrial loans and securities .......................
10. Commitments to fund construction, land development, and other land loans secured by real
estate:
a. Total unfunded commitments ....................................................................................
b. Portion of unfunded commitments guaranteed or insured by the U.S. government (including
the FDIC) ..............................................................................................................
11. Amount of other real estate owned recoverable from the U.S. government under
guarantee or insurance provisions (excluding FDIC loss-sharing agreements) ........................
12. Nonbrokered time deposits of more than $250,000 in domestic offices
(included in Schedule RC-E, Part I, Memorandum item 2.d) ................................................

RCON

Memorandum item 13.a is to be completed by "large institutions" and "highly complex institutions"
as defined in FDIC regulations. Memorandum items 13.b through 13.h are to be completed by
"large institutions" only.

13. Portion of funded loans and securities guaranteed or insured by the U.S. government
(including FDIC loss-sharing agreements):
a. Construction, land development, and other land loans secured by real estate......................
b. Loans secured by multifamily residential and nonfarm nonresidential properties...................
c. Closed-end loans secured by first liens on 1– 4 family residential properties ........................
d. Closed-end loans secured by junior liens on 1– 4 family residential properties and
revolving, open-end loans secured by 1– 4 family residential properties and extended
under lines of credit .................................................................................................
e. Commercial and industrial loans ................................................................................
f. Credit card loans to individuals for household, family, and other personal expenditures ...............
g. All other loans to individuals for household, family, and other personal expenditures.............
h. Non-agency residential mortgage-backed securities .......................................................

N178
N179

N180
N181
N182
N183
M963

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

Memorandum items 14 and 15 are to be completed by "highly complex institutions" as defined in
FDIC regulations.
14. Amount of the institution's largest counterparty exposure....................................................
15. Total amount of the institution's 20 largest counterparty exposures .......................................

K673
K674

M.14.
M.15.

03/2014

FFIEC 041
Page 56 of 85
RC-42

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

RCON

L189

Amount

M.16.

Memorandum item 17 is to be completed on a fully consolidated basis by those “large institutions”
and “highly complex institutions” as defined in FDIC regulations that own another insured depository institution.

L194
L195
L196
L197

M.17.a.
M.17.b.
M.17.c.
M.17.d.

R
AF

17. Selected fully consolidated data for deposit insurance assessment purposes:
a. Total deposit liabilities before exclusions (gross) as defined in Section 3(l) of the Federal
Deposit Insurance Act and FDIC regulations.................................................................
b. Total allowable exclusions, including interest accrued and unpaid on allowable exclusions ............
c. Unsecured “Other borrowings” with a remaining maturity of one year or less .......................
d. Estimated amount of uninsured deposits, including related interest accrued and unpaid ............

06/2012

FFIEC 041
Page 57 of 85
RC-43

Schedule RC-O—Continued
Memorandum item 18 is to be completed by “large institutions” and “highly complex institutions” as defined in FDIC regulations.
Amounts reported in Memorandum item 18 will not be made available to the public on an individual institution basis.
Two-Year Probability of Default (PD)
(Column C)
4.01–7%

(Column D)
7.01–10%

(Column E)
10.01–14%

(Column F)
14.01–16%

(Column G)
16.01–18%

(Column H)
18.01–20%

Amount

RCON M964

RCON M965

RCON M966

RCON M967

RCON M968

RCON M969

RCON M970

RCON M971

AF
T

(Column B)
1.01–4%

RCON M979

RCON M994

RCON M980

RCON M995

RCON M981

RCON M996

e. Credit cards ..............................
f. Automobile loans .......................

g. Student loans ............................

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

RCON M982

RCON M997

RCON M983

RCON M998

RCON M984

RCON M999

RCON M985

RCON N001

M.18.a.
RCON M986

M.18.b.
RCON N002

M.18.c.

RCON N010

RCON N011

RCON N012

RCON N013

RCON N014

RCON N015

RCON N016

RCON N017

RCON N040

RCON N041

RCON N042

RCON N043

RCON N044

RCON N045

RCON N046

RCON N047

RCON N055

RCON N056

RCON N057

RCON N058

RCON N059

RCON N060

RCON N061

RCON N062

RCON N070

RCON N071

RCON N072

RCON N073

RCON N074

RCON N075

RCON N076

RCON N077

D
R

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

(Column A)
1%

M.18.e.
M.18.f.
M.18.g.

RCON N085

RCON N086

RCON N087

RCON N088

RCON N089

RCON N090

RCON N091

RCON N092

RCON N100

RCON N101

RCON N102

RCON N103

RCON N104

RCON N105

RCON N106

RCON N107

RCON N115

RCON N116

RCON N117

RCON N118

RCON N119

RCON N120

RCON N121

RCON N122

M.18.h.

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

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

M.18.d.

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

03/2014

FFIEC 041
Page 58 of 85
RC-44

(Column I)
20.01–22%

(Column J)
22.01–26%

(Column K)
26.01–30%

(Column L)
> 30%

(Column M)
Unscoreable

(Column N)
Total

(Column O)
PDs Were
Derived
Using1

Amount

Number

RCON M972

RCON M973

RCON M974

RCON M975

RCON M976

RCON M977

RCON M978

AF
T

Two-Year Probability of Default (PD)

RCON M987

RCON N003

RCON M988

RCON N004

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

RCON M989

RCON N005

RCON M990

RCON N006

RCON M991

RCON N007

RCON M992

RCON N008

M.18.a.
RCON M993

M.18.b.
RCON N009

M.18.c.

RCON N018

RCON N019

RCON N020

RCON N021

RCON N022

RCON N023

RCON N024

RCON N048

RCON N049

RCON N050

RCON N051

RCON N052

RCON N053

RCON N054

RCON N063

RCON N064

RCON N065

RCON N066

RCON N067

RCON N068

RCON N069

RCON N078

RCON N079

RCON N080

RCON N081

RCON N082

RCON N083

RCON N084

D
R

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

g. Student loans ..................................................

M.18.g.

RCON N093

RCON N094

RCON N095

RCON N096

RCON N097

RCON N098

RCON N099

RCON N108

RCON N109

RCON N110

RCON N111

RCON N112

RCON N113

RCON N114

RCON N123

RCON N124

RCON N125

RCON N126

RCON N127

RCON N128

M.18.h.
M.18.i.

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

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

M.18.e.
M.18.f.

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

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

M.18.d.

M.18.j.

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

FFIEC 041
Page 59 of 85
RC-45

Schedule RC-P—1–4 Family Residential Mortgage Banking Activities
Schedule RC-P is to be completed by (1) all banks with $1 billion or more in total assets1 and (2) banks with less than $1 billion
1
in total assets at which either 1– 4 family residential mortgage loan originations and purchases for resale2 from all sources, loan
sales, or quarter-end loans held for sale or trading exceed $10 million for two consecutive quarters.
RCON

Amount

XXXX
F066
F067

1.
1.a.
1.b.

F670
F671

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

Dollar Amounts in Thousands
1. Retail originations during the quarter of 1– 4 family residential mortgage loans for sale:21
a. Closed-end first liens ...................................................................................................
b. Closed-end junior liens.................................................................................................
c. Open-end loans extended under lines of credit:
(1) Total commitment under the lines of credit ...................................................................
(2) Principal amount funded under the lines of credit ..........................................................
2. Wholesale originations and purchases during the quarter of 1– 4 family residential mortgage loans
for sale:2
a. Closed-end first liens ...................................................................................................
b. Closed-end junior liens.................................................................................................
c. Open-end loans extended under lines of credit:
(1) Total commitment under the lines of credit ...................................................................
(2) Principal amount funded under the lines of credit ..........................................................
3. 1–4 family residential mortgage loans sold during the quarter:
a. Closed-end first liens ...................................................................................................
b. Closed-end junior liens.................................................................................................
c. Open-end loans extended under lines of credit:
(1) Total commitment under the lines of credit ...................................................................
(2) Principal amount funded under the lines of credit ..........................................................
4. 1–4 family residential mortgage loans held for sale or trading at quarter-end
(included in Schedule RC, items 4.a and 5):
a. Closed-end first liens ...................................................................................................
b. Closed-end junior liens.................................................................................................
c. Open-end loans extended under lines of credit:
(1) Total commitment under the lines of credit ...................................................................
(2) Principal amount funded under the lines of credit ..........................................................
5. Noninterest income for the quarter from the sale, securitization, and servicing of 1– 4 family
residential mortgage loans (included in Schedule RI, items 5.c, 5.f, 5.g, and 5.i): ........................
a. Closed-end 1– 4 family residential mortgage loans.............................................................
b. Open-end 1– 4 family residential mortgage loans extended under lines of credit .......................
6. Repurchases and indemnifications of 1– 4 family residential mortgage loans during the quarter:
a. Closed-end first liens ...................................................................................................
b. Closed-end junior liens.................................................................................................
c. Open-end loans extended under line of credit:
(1) Total commitment under the lines of credit ...................................................................
(2) Principal amount funded under the lines of credit ..........................................................
7. Representation and warranty reserves for 1– 4 family residential mortgage loans sold:
a. For representations and warranties made to U.S. government agencies and governmentsponsored agencies ....................................................................................................
b. For representations and warranties made to other parties ...................................................
c. Total representation and warranty reserves (sum of items 7.a and 7.b) ..................................

F068
XXXX
F069
F672

R
AF

F673

XXXX
F070
F071
F674
F675

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

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

F073

4.
4.a.
4.b.

F676
F677

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

F072
XXXX

RIAD

F184
XXXX
F560

RCON

F678
XXXX
F679
F680
F681

L191
L192
M288

5.
5.a.
5.b.
6.
6.a.
6.b.
6.c.(1)
6.c.(2)

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

1. The $1 billion asset-size test is based on the total assets reported on the June 30, 2016, Report of Condition.
Exclude originations and purchases of 1– 4 family residential mortgage loans that are held for investment.

1.
2.

03/2017

FFIEC 041
Page 60 of 85
RC-46

Schedule RC-Q—Assets and Liabilities Measured at Fair Value on a Recurring Basis

1. Available-for-sale debt securities and
equity securities with readily determinable
fair values not held for trading purposes1

AF
T

Schedule RC-Q is to be completed by banks that:
(1) Had total assets of $500 million or more as of the beginning of their fiscal year; or
(2) Had total assets of less than $500 million as of the beginning of their fiscal year and either:
(1)
(a) Have elected to report financial instruments or servicing assets and liabilities at fair value under a fair value option with changes in fair value recognized in earnings, or
(2)
(b) Are required to complete Schedule RC-D, Trading Assets and Liabilities.

RCON

Amount

(Column B)
LESS: Amounts Netted
in the Determination of
Total Fair Value

RCON

Liabilities
8. Deposits ..................................................
9. Federal
funds purchased and securities sold
Not applicable
under agreements to repurchase ..................
10. Trading liabilities:
a. Derivative liabilities.................................
b. Other trading liabilities ............................
applicable
11. Not
Other
borrowed money ...............................
12. Not
Subordinated
applicablenotes and debentures ..............
13. All other liabilities ......................................
14. Total liabilities measured at fair value on a
recurring basis (sum of items 8 through 13) ....

Amount

(Column C)
Level 1 Fair Value
Measurements

RCON

Amount

(Column D)
Level 2 Fair Value
Measurements

RCON

Amount

(Column E)
Level 3 Fair Value
Measurements

RCON

Amount

1773

G474

G475

G476

G477

G478
G483
G488

G479
G484
G489

G480
G485
G490

G481
G486
G491

G482
G487
G492

2.
3.
4.

3543
G497

G493
G498

G494
G499

G495
G500

G496
G501

5.a.
5.b.

F240
G391

F684
G392

F692
G395

F241
G396

F242
G804

5.b.(1)
6.

D
R

Dollar Amounts in Thousands
Assets
1. Available-for-sale securities .........................
2. Federal
funds sold and securities purchased
Not applicable
under agreements to resell ..........................
3. Loans and leases held for sale .....................
4. Loans and leases held for investment ............
5. Trading assets:
a. Derivative assets ...................................
b. Other trading assets ...............................
(1) Nontrading securities at fair value
with changes in fair value reported in
current earnings (included in
Schedule RC-Q, item 5.b above) ..........
6. All other assets .........................................
7. Total assets measured at fair value on a
recurring basis (sum of items 1 through 5.b
plus item 6) ..............................................

(Column A)
Total Fair Value
Reported on
Schedule RC

G502

G503

G504

G505

G506

F252

F686

F694

F253

F254

G507

G508

G509

G510

G511

3547

G512

G513

G514

G515

G516
G521
G526

G517
G522
G527

G518
G523
G528

G519
G524
G529

G520
G525
G530

G805

G806

G807

G808

G809

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

G531

G532

G533

G534

G535

14.

1 For

institutions that have adopted ASU 2016-01, which includes provisions governing the accounting for investments in equity securities, the amount reported in item 1,
column A, must equal the sum of Schedule RC, items 2.b and 2.c. For institutions that have not adopted ASU 2016-01, the amount reported in item 1, column A, must
equal Schedule RC, item 2.b.

06/2012

FFIEC 041
Page 61 of 85
RC-47

Schedule RC-Q—Continued
(Column A)
Total Fair Value
Reported on
Schedule RC
RCON

Amount

RCON

Amount

(Column C)
Level 1 Fair Value
Measurements
RCON

Amount

(Column D)
Level 2 Fair Value
Measurements
RCON

Amount

(Column E)
Level 3 Fair Value
Measurements
RCON

AF
T

Dollar Amounts in Thousands

(Column B)
LESS: Amounts Netted
in the Determination of
Total Fair Value

G536
G541

G537
G542

G538
G543

G539
G544

G540
G545

G546

G547

G548

G549

G550

G551
G556

G552
G557

G553
G558

G554
G559

G555
G560

G561

G562

G563

G564

G565

F261

F689

F697

F262

F263

G566
G571

G567
G572

G568
G573

G569
G574

G570
G575

G576

G577

G578

G579

G580

G583
G588

G584
G589

G585
G590

D
R

Memoranda
1. All other assets (itemize and describe
amounts included in Schedule RC-Q, item 6,
that are greater than $100,000 and exceed
25 percent of item 6):
a. Mortgage servicing assets .........................
b. Nontrading derivative assets ......................
TEXT
c. G546
TEXT
d. G551
TEXT
e. G556
TEXT
f. G561
2. All other liabilities (itemize and describe
amounts included in Schedule RC-Q,
item 13, that are greater than $100,000 and
exceed 25 percent of item 13):
a. Loan commitments
(not accounted for as derivatives) ...............
b. Nontrading derivative liabilities ...................
TEXT
c. G571
TEXT
d. G576
TEXT
e. G581
TEXT
f. G586

G581
G586

G582
G587

Amount

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

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

09/2016

FFIEC 041
Page 62 of 85
RC-48

Schedule RC-Q—Continued
Memoranda—Continued
RCON

Amount

F578
F579

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

F580
XXXX

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

F581

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

F582
F583
XXXX
F584

Dollar Amounts in Thousands
3. Loans measured at fair value (included in Schedule RC-C, Part I, items 1 through 9):
a. Loans secured by real estate:
(1) Construction, land development, and other land loans.........................................
(2) Secured by farmland (including farm residential and other improvements) ...............
(1)
(3) Secured by 1–4 family residential properties:
(a) Revolving, open-end loans secured by 1–4 family residential properties and
extended under lines of credit ...................................................................
(b) Closed-end loans secured by 1–4 family residential properties:
(1) Secured by first liens ...........................................................................
(2) Secured by junior liens ........................................................................
(4)
multifamily
more)
residential properties .....................................
(2) Secured
All other by
loans
secured(5
byorreal
estate
(5) Secured by nonfarm nonresidential properties ...................................................
b. Commercial and industrial loans .........................................................................
c. Loans to individuals for household, family, and other personal expenditures
(i.e., consumer loans) (includes purchased paper):
(1) Credit cards ...............................................................................................
(2) Other revolving credit plans ...........................................................................
(3) Automobile loans.........................................................................................
(4) Other consumer loans ..................................................................................
d. Other loans.....................................................................................................
4. Unpaid principal balance of loans measured at fair value
(reported in Schedule RC-Q, Memorandum item 3):
a. Loans secured by real estate:
(1) Construction, land development, and other land loans.........................................
(2) Secured by farmland (including farm residential and other improvements) ...............
(3) Secured by 1–4 family residential properties:
(1)
(a) Revolving, open-end loans secured by 1– 4 family residential properties and
extended under lines of credit ....................................................................
(b) Closed-end loans secured by 1–4 family residential properties:
(1) Secured by first liens ...........................................................................
(2) Secured by junior liens ........................................................................
(4)
multifamily
more)
residential properties .....................................
(2) Secured
All otherby
loans
secured(5byorreal
estate
(5) Secured by nonfarm nonresidential properties ...................................................
b. Commercial and industrial loans .........................................................................
c. Loans to individuals for household, family, and other personal expenditures
(i.e., consumer loans) (includes purchased paper):
(1) Credit cards ...............................................................................................
(2) Other revolving credit plans ...........................................................................
(3) Automobile loans.........................................................................................
(4) Other consumer loans ..................................................................................
d. Other loans.....................................................................................................

F585

F587
K196
K208
F589

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

F590
F591

M.4.a.(1)
M.4.a.(2)

F592
XXXX

M.4.a.(3)(a)
M.4.a.(1)

F593
F594
F595
XXXX
F596
F597

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

F598
XXXX

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

R
AF

F586
XXXX

F599

K195
K209
F601

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

03/2017

FFIEC 041
Page 63 of 85
RC-49

Schedule RC-R—Regulatory Capital
Part I. Regulatory Capital Components and Ratios
Part I is to be completed on a consolidated basis.
Dollar Amounts in Thousands RCOA
Common Equity Tier 1 Capital
1. Common stock plus related surplus, net of treasury stock and unearned employee
stock ownership plan (ESOP) shares................................................................................ P742

Amount

RCON

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

RCOA

3. Accumulated other comprehensive income (AOCI) .............................................................. B530

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

0=No RCOA
1=Yes P838

RCOA

Amount

R
AF

4. Common equity tier 1 minority interest includable in common equity tier 1 capital ...................... P839
5. Common equity tier 1 capital before adjustments and deductions (sum of items 1 through 4) ....... P840

Common Equity Tier 1 Capital: Adjustments and Deductions
6. LESS: Goodwill net of associated deferred tax liabilities (DTLs) .............................................
7. LESS: Intangible assets (other than goodwill and mortgage servicing assets (MSAs)), net of
associated DTLs ..........................................................................................................
8. LESS: Deferred tax assets (DTAs) that arise from net operating loss and tax credit
carryforwards, net of any related valuation allowances and net of DTLs ...................................
9. AOCI-related adjustments (if entered “1” for Yes in item 3.a, complete only items 9.a through
9.e; if entered “0” for No in item 3.a, complete only item 9.f):
a. LESS: Net unrealized gains (losses) on available-for-sale securities (if a gain, report as a
1
positive value; if a loss, report as a negative value) .........................................................
b. LESS: Net unrealized loss on available-for-sale preferred stock classified as an equity
security under GAAP and available-for-sale equity exposures (report loss as a positive value) 2..
c. LESS: Accumulated net gains (losses) on cash flow hedges (if a gain, report as a positive
value; if a loss, report as a negative value) ....................................................................
d. LESS: Amounts recorded in AOCI attributed to defined benefit postretirement plans
resulting from the initial and subsequent application of the relevant GAAP standards that
pertain to such plans (if a gain, report as a positive value; if a loss, report as a negative value) ...
e. LESS: Net unrealized gains (losses) on held-to-maturity securities that are included in
AOCI (if a gain, report as a positive value; if a loss, report as a negative value).....................
f. To be completed only by institutions that entered “0” for No in item 3.a:
LESS: Accumulated net gain (loss) on cash flow hedges included in AOCI, net of applicable
income taxes, that relates to the hedging of items that are not recognized at fair value on the
balance sheet (if a gain, report as a positive value; if a loss, report as a negative value) .........
10. Other deductions from (additions to) common equity tier 1 capital before threshold-based deductions:
a. LESS: Unrealized net gain (loss) related to changes in the fair value of liabilities that are
due to changes in own credit risk (if a gain, report as a positive value; if a loss, report as
a negative value)......................................................................................................
b. LESS: All other deductions from (additions to) common equity tier 1 capital before
threshold-based deductions........................................................................................
11. LESS: Non-significant investments in the capital of unconsolidated financial institutions in the
form of common stock that exceed the 10 percent threshold for non-significant investments ........
12. Subtotal (item 5 minus items 6 through 11) ........................................................................

3.a.

4.
5.

P841

P842

P843

P844

9.a.

P845

9.b.

P846

9.c.

P847

9.d.

P848

9.e.

P849

9.f.

Q258

10.a.

P850

10.b.

P851

11.
12.

P852

1. Institutions that have adopted ASU 2016-01, which includes provisions governing the accounting for investments in equity securities,
should report net unrealized gains (losses) on available-for-sale debt securities in item 9.a. Institutions that have not adopted ASU
2016-01 should report net unrealized gains (losses) on available-for-sale debt and equity securities in item 9.a.
2. Item 9.b is to be completed only by institutions that have not adopted ASU 2016-01. See instructions for further detail on ASU 2016-01.
03/2015

FFIEC 041
Page 64 of 85
RC-50

Schedule RC-R—Continued
Part I—Continued
RCOA

Amount

P853

13.

P854

14.

P855

15.

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

16.

P857
P858
P859

17.
18.
19.

P860
P861
P862
P863
P864
P865

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

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

26.

R
AF

P856

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

Tier 2 Capital
27. Tier 2 capital instruments plus related surplus .....................................................................
28. Non-qualifying capital instruments subject to phase-out from tier 2 capital.................................
29. Total capital minority interest that is not included in tier 1 capital .............................................
30. a. Allowance for loan and lease losses includable in tier 2 capital ...........................................
b. (Advanced approaches institutions that exit parallel run only): Eligible credit reserves
includable in tier 2 capital ..........................................................................................
31. Unrealized gains on available-for-sale preferred stock classified as an equity security under
GAAP and available-for-sale equity exposures includable in tier 2 capital3 ..............................
32. a. Tier 2 capital before deductions (sum of items 27 through 30.a, plus item 31)........................
b. (Advanced approaches institutions that exit parallel run only): Tier 2 capital before deductions
(sum of items 27 through 29, plus items 30.b and 31) ......................................................

P866
P867
P868
5310

27.
28.
29.
30.a.

RCOW

5310

RCOA

Q257
P870

30.b.
31.
32.a.

RCOW

P870

32.b.

RCOA

33. LESS: Tier 2 capital deductions ....................................................................................... P872
34. a. Tier 2 capital (greater of item 32.a minus item 33, or zero) ............................................... 5311
RCOW
b. (Advanced approaches institutions that exit parallel run only): Tier 2 capital (greater of item
32.b minus item 33, or zero) ........................................................................................ 5311

RCOA
Total Capital
35. a. Total capital (sum of items 26 and 34.a) ...................................................................... 3792
RCOW
b. (Advanced approaches institutions that exit parallel run only): Total capital (sum
of items 26 and 34.b) ................................................................................................. 3792

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

3. Item 31 is to be completed only by institutions that have not adopted ASU 2016-01, which includes provisions governing the accounting for
investments in equity securities. See instructions for further detail on ASU 2016-01.

03/2015

FFIEC 041
Page 65 of 85
RC-51

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

Amount

RCON

3368

36.

RCOA

P875
B596
A224

37.
38.
39.

Total Risk-Weighted Assets
40. a. Total risk-weighted assets (from Schedule RC-R, Part II, item 31)............................ A223
b. (Advanced approaches institutions that exit parallel run only): Total risk-weighted assets RCOW
using advanced approaches rule (from FFIEC 101 Schedule A, item 60) ...................... A223

40.a.

R
AF

Risk-Based Capital Ratios*
(Column A)
(Column B)
41. Common equity tier 1 capital ratio (Column A: item 19 divided by item 40.a)
RCOA Percentage RCOW Percentage
(Advanced approaches institutions that exit parallel run only: Column B: item 19
P793
divided by item 40.b) ..................................................................................... P793
42. Tier 1 capital ratio (Column A: item 26 divided by item 40.a)
(Advanced approaches institutions that exit parallel run only: Column B: item 26
7206
divided by item 40.b)...................................................................................... 7206
43. Total capital ratio (Column A: item 35.a divided by item 40.a)
(Advanced approaches institutions that exit parallel run only: Column B: item 35.b
7205
divided by item 40.b)...................................................................................... 7205
RCOA
Leverage Capital Ratios*
44. Tier 1 leverage ratio (item 26 divided by item 39)......................................................... 7204
45. Advanced approaches institutions only: Supplementary leverage ratio information:
a. Total leverage exposure ..................................................................................... H015

Amount
Percentage

42.

43.

44.
45.a.
45.b.

RCOA Percentage
Capital Buffer*
46. Institution-specific capital buffer necessary to avoid limitations on distributions and discretionary
bonus payments:
a. Capital conservation buffer.................................................................................................. H311
b. (Advanced approaches institutions that exit parallel run only): Total applicable capital buffer .... RCOW H312
RCOA

41.

Percentage

b. Supplementary leverage ratio .............................................................................. H036

Institutions must complete items 47 and 48 if the amount in item 46.a is less than or equal to the
applicable minimum capital conservation buffer:
47. Eligible retained income ................................................................................................. H313
48. Distributions and discretionary bonus payments during the quarter.......................................... H314

40.b.

46.a.
46.b.

Amount

47.
48.

*Report each ratio and buffer as a percentage, rounded to four decimal places, e.g., 12.3456.

09/2016

FFIEC 041
Page 66 of 85
RC-52

Schedule RC-R—Continued
Part II. Risk-Weighted Assets
Institutions are required to assign a 100 percent risk weight to all assets not specifically assigned a risk weight under Subpart D of the federal banking agencies' regulatory
capital rules1 and not deducted from tier 1 or tier 2 capital.

Dollar Amounts in Thousands

RCON D957

RCON D961

RCON D966

RCON XXXX

RCON D971

(Column C)

(Column D)

RCON H171

RCON S413

RCON S419

RCON S423

(Column E)

(Column F)

10%

Amount

RCON S396

RCON D958

(Column G)

(Column H)

(Column I)

(Column J)

20%

50%

100%

150%

Amount

RCON D959

RCON S397

RCON D960

RCON S398

Allocation by Risk-Weight Category

RCON S399

RCON D962

RCON HJ74

RCON HJ75

RCON D963

RCON D964

RCON D965

RCON S400

RCON S402

RCON D967

RCON HJ76

RCON HJ77

RCON D968

RCON D969

RCON D970

RCON S403

RCON XXXX

RCON D974

RCON S411

RCON XXXX

RCON D972

RCON XXXX

RCON D973

D
R

Balance Sheet Asset
Categories2
1. Cash and balances
due from depository
institutions....................
2. Securities:
a. Held-to-maturity
securities.................
b. Available-for-sale
securities.................
3. Federal funds sold and
securities purchased under
agreements to resell:
a. Federal funds sold .....
b. Securities purchased
under agreements to
resell ......................
4. Loans and leases held for
sale:
a. Residential mortgage
exposures ...............
b. High volatility
commercial real estate
exposures................
c. Exposures past due
90 days or more or
on nonaccrual3 ..........

Amount

(Column B)
Adjustments
to Totals
Reported in
Column A

AF
T

2.c2.c.
Equity
securities
Equity
securitieswith
withreadily
determinable
fair values
held
readilydeterminable
fairnot
values
not
for4trading1
for held
trading

(Column A)
Totals From
Schedule
RC

RCON XXXX

RCON S410

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

3.a.

RCON H172

RCON S414

RCON S420

RCON S424

3.b.

RCON H173

RCON S415

RCON HJ78

RCON S417

4.a.

RCON H174

RCON S425

RCON S416

RCON H175

RCON H176

RCON H177

RCON S421

4.b.
RCON HJ79

RCON S426

RCON S427

RCON S428

RCON S429

4.c.

1. For national banks and federal savings associations, 12 CFR Part 3; for state member banks, 12 CFR Part 217; and for state nonmember banks and state savings associations 12 CFR Part 324.
2. All securitization exposures held as on-balance sheet assets of the reporting institution are to be excluded from items 1 through 8 and are to be reported instead in item 9.
3. For loans and leases held for sale, exclude residential mortgage exposures, high volatility commercial real estate exposures, or sovereign exposures that are past due 90 days or more or on
nonaccrual.

4.4.Item
isto
tobe
becompleted
completed
only
institutions
adopted
ASU 2016-01,
which includes
provisions
the accounting
for investments
in equity
Item 2.c
2.c is
only
by by
institutions
thatthat
havehave
adopted
ASU 2016-01,
which includes
provisions
governinggoverning
the accounting
for investments
in equity securities.
See securities.
the
See
the instructions
fordetail
further
detail2016-01.
on ASU 2016-01.
instructions
for further
on ASU

03/2017

FFIEC 041
Page 67 of 85
RC-53

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

Dollar Amounts in Thousands

(Column N)

(Column O)

(Column P)

(Column Q)

(Column R)

(Column S)

Application of Other RiskWeighting Approaches45

Allocation by Risk-Weight Category
250%5

300%

400%

600%

625%

937.5%

1250%

Exposure
Amount

Risk-Weighted
Asset Amount

Amount

RCON H270

RCON XXXX

RCON S405

RCON XXXX

D
R

Balance Sheet Asset
Categories (continued)
1. Cash and balances
due from depository
institutions.......................................
2. Securities:
a. Held-to-maturity
securities....................................
b. Available-for-sale
securities....................................
3. Federal funds sold and
securities purchased under
agreements to resell:
a. Federal funds sold ........................
b. Securities purchased
under agreements to
resell .........................................
4. Loans and leases held for
sale:
a. Residential mortgage
exposures ..................................
b. High volatility
commercial real estate
exposures...................................
c. Exposures past due
90 days or more or
on nonaccrual6 7.............................

(Column M)

AF
T

2.c Equity securities with readily
2.c. Equity securities
with not
readilydeterminable
determinable
fair values
held for
7
fair
values
not
held
for
trading
6
trading

(Column L)

RCON S406

RCON XXXX

RCON H271

RCON XXXX

RCON H273

2.a.
RCON H272

RCON XXXX

2.b.
2.c.

3.a.

3.b.

RCON H274

4.a.
RCON H275

RCON H276

4.b.
RCON H277

RCON H278

4.c.

4. Includes, for example, investments in mutual funds/investment funds, exposures collateralized by securitization exposures or mutual funds, separate account bank-owned life insurance, and
5.

default fund contributions to central counterparties.
5. Column K - 250% risk weight is not applicable until the March 31, 2018, report date.
6. For loans and leases held for sale, exclude residential mortgage exposures, high volatility commercial real estate exposures, or sovereign exposures that are past due 90 days or more or on nonaccrual.
7.

Item 2.c
only
by institutions
that that
havehave
adopted
ASU 2016-01,
which includes
provisionsprovisions
governing governing
the accounting
investments
equity securities.
See the
7. Item
6.
2.cisistotobebecompleted
completed
only
by institutions
adopted
ASU 2016-01,
which includes
the for
accounting
for in
investments
in equity
securities.
instructions
for further
detail ondetail
ASU on
2016-01.
See
the instructions
for further
ASU 2016-01.
06/2015

FFIEC 041
Page 68 of 85
RC-54

Schedule RC-R—Continued
Part II—Continued

Dollar Amounts in Thousands
4. Loans and leases held for
sale (continued):
d. All other
exposures................
5. Loans and leases
held for investment:
a. Residential mortgage
exposures................
b. High volatility
commercial real estate
exposures................
c. Exposures past due
90 days or more or on
nonaccrual78..............

Amount

RCON S431

RCON S439

RCON S445

RCON S449

RCON S457

d. All other exposures ....

(Column C)

(Column D)

7. Trading assets ..............

(Column E)

(Column F)

(Column G)

(Column H)

(Column I)

10%

20%

50%

100%

150%

Amount

RCON S432

RCON S433

RCON HJ80

RCON HJ81

RCON S434

RCON S435

RCON S436

RCON S437

RCON S440

RCON S446

(Column J)

Allocation by Risk-Weight Category

RCON H178

RCON S441

RCON H179

RCON H180

RCON S442

RCON H181

4.d.

RCON S443

RCON H182

5.a.
RCON S447

5.b.

RCON S450

RCON S451

RCON HJ82

RCON HJ83

RCON S452

RCON S453

RCON S454

RCON S455

RCON S458

RCON S459

RCON HJ84

RCON HJ85

RCON S460

RCON S461

RCON S462

RCON S463

5.c.
5.d.

RCON 3123

D
R

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

RCON 3123

(Column B)
Adjustments
to Totals
Reported in
Column A

AF
T

(Column A)
Totals From
Schedule
RC

RCON D976

RCON S466

RCON D977

RCON HJ86

RCON HJ87

RCON D978

RCON D979

RCON D980

RCON S467

RCON D981

RCON S469

RCON D982

RCON HJ88

RCON HJ89

RCON D983

RCON D984

RCON D985

RCON H185

8. All other assets89............
a. Separate account
bank-owned life
insurance ................
b. Default fund
contributions to central
counterparties ..........

6.
7.
8.

8.a.

8.b.

7. For loans and lease held for investment, exclude residential mortgage exposures, high volatility commercial real estate exposures, or sovereign exposures that are past due 90 days or more
8.
or on nonaccrual.

9.8. Includes premises and fixed assets; other real estate owned; investments in unconsolidated subsidiaries and associated companies; direct and indirect investments in real estate ventures;
intangible assets; and other assets.

03/2017

FFIEC 041
Page 69 of 85
RC-55

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

(Column L)

(Column M)

(Column N)

(Column O)

(Column P)

(Column Q)

d. All other exposures .......................

250%10

300%

400%

600%

625%

937.5%

1250%

Exposure
Amount

Risk-Weighted
Asset Amount

Amount

RCON H279

RCON H280

RCON H281

RCON H283

D
R

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

AF
T

4. Loans and leases held for
sale (continued):
d. All other
exposures...................................
5. Loans and leases
held for investment:
a. Residential mortgage
exposures...................................
b. High volatility
commercial real estate
exposures...................................
c. Exposures past due
90 days or more or on
nonaccrual 11 ................................

7. Trading assets .................................

(Column S)

Application of Other RiskWeighting Approaches910

Allocation by Risk-Weight Category

Dollar Amounts in Thousands

(Column R)

4.d.

RCON H282

5.a.
RCON H284

5.b.

RCON H285

RCON H286

RCON H287

RCON H288

5.d.

RCON H289

RCON H186

RCON H290

RCON H187

RCON H291

RCON H292

RCON H293

RCON H188

RCON S470

RCON S471

RCON H294

RCON H295

8. All other assets 12 ...............................
a. Separate account
bank-owned life
insurance ...................................
b. Default fund
contributions to central
counterparties .............................

5.c.

6.
7.
8.

RCON H296

RCON H297

8.a.
RCON H298

RCON H299

Includes, for example, investments in mutual funds/investment funds, exposures collateralized by securitization exposures or mutual funds, separate account bank-owned life insurance, and
default fund contributions to central counterparties.
10. Column K - 250% risk weight is not applicable until the March 31, 2018, report date.
11. For loans and lease held for investment, exclude residential mortgage exposures, high volatility commercial real estate exposures, or sovereign exposures that are past due 90 days or more
or on nonaccrual.
12. Includes premises and fixed assets; other real estate owned; investments in unconsolidated subsidiaries and associated companies; direct and indirect investments in real estate ventures; intangible
assets; and other assets.

8.b.

10.
9.

03/2017

FFIEC 041
Page 70 of 85
RC-56

Schedule RC-R—Continued
Part II—Continued
(Column Q)
(Column B)
Adjustments
Allocation by
to Totals
Risk-Weight
Reported in
Category
Column A
(Exposure Amount)

(Column T)

Dollar Amounts in Thousands

Securitization Exposures: On- and Off-Balance Sheet
9. On-balance sheet securitization exposures:
a. Held-to-maturity securities..........................................................................................

(Column U)

Total Risk-Weighted Asset
Amount by Calculation
Methodology

AF
T

(Column A)
Totals

Amount

1250%
Amount

SSFA13
Amount

Gross-Up
Amount

RCON S475

RCON S476

RCON S477

RCON S478

RCON S479

RCON S480

RCON S481

RCON S482

RCON S483

RCON S484

RCON S485

RCON S486

RCON S487

RCON S488

RCON S489

RCON S490

RCON S491

RCON S492

RCON S493

RCON S494

RCON S495

RCON S496

RCON S497

RCON S498

RCON S499

9.a.

b. Available-for-sale securities ........................................................................................

9.b.

c. Trading assets .........................................................................................................

9.c.

d. All other on-balance sheet securitization exposures.........................................................

9.d.

10. Off-balance sheet securitization exposures ........................................................................
(Column B)
Adjustments
to Totals
Reported in
Column A

(Column C)

(Column D)

(Column E)

10%

Amount

Dollar Amounts in Thousands

Amount

11. Total balance sheet
assets14 .................

RCON 2170

RCON S500

RCON D987

RCON HJ90

RCON HJ91

(Column K)

250%15

Dollar Amounts in Thousands

11. Total balance sheet
assets14 .............................................................

(Column F)

(Column G)

(Column H)

(Column I)

(Column J)

50%

100%

150%

Allocation by Risk-Weight Category

D
R

(Column A)
Totals From
Schedule
RC

10.

(Column L)

300%

20%

Amount

RCON D988

RCON D989

RCON D990

RCON S503

11.
(Column M)

(Column N)

(Column O)

(Column P)

(Column Q)

Allocation by Risk-Weight Category

400%

600%

625%

937.5%

Amount

RCON S504

RCON S505

RCON S506

RCON S507

(Column R)
Application of
Other RiskWeighting
Approaches

1250%

Exposure
Amount

Amount

RCON S510

RCON H300

11.

13. Simplified Supervisory Formula Approach.
14. For each of columns A through R of item 11, report the sum of items 1 through 9. For item 11, the sum of columns B through R must equal column A. Item 11, column A, must equal Schedule RC, item 12.
15. Column K - 250% risk weight is not applicable until the March 31, 2018, report date.
03/2017

FFIEC 041
Page 71 of 85
RC-57

Schedule RC-R—Continued
Part II—Continued

Dollar Amounts in Thousands

RCON D991
1.0

RCON D997

RCON G606

RCON G612

(Column F)

(Column G)

(Column H)

(Column I)

(Column J)

Allocation by Risk-Weight Category
2%

10%

20%

50%

100%

150%

Amount

RCON D992

RCON D993

RCON HJ92

RCON HJ93

RCON D994

RCON D995

RCON D996

RCON S511

RCON G613

RCON S514

RCON G607

0.2

(Column E)

RCON D998

0.5

(Column D)

RCON D999

RCON G608

RCON G603

RCON HJ94

D
R

Derivatives, Off-Balance
Sheet Items, and Other
Items Subject to Risk
Weighting (Excluding
Securitization
Exposures)1817
12. Financial standby
letters of credit ........
13. Performance standby
letters of credit and
transaction-related
contingent items ......
14. Commercial and
similar letters of credit
with an original
maturity of one year
or less ...................
15. Retained recourse
on small business
obligations sold
with recourse ..........

Amount

(Column C)

AF
T

(Column A)
(Column B)
15
Face, Notional, CCF16
Credit
or Other
Equivalent
Amount
Amount1716

RCON G614

RCON HJ95

RCON G609

RCON G615

RCON G604

RCON G610

RCON G616

1.0

RCON G605

RCON G611

RCON G617

12.

RCON S512

13.

RCON S513

14.

15.

15. Credit conversion factor.
16.
16. Column A multiplied by credit conversion factor. For each of items 12 through 21, the sum of columns C through J plus column R must equal column B.
17.
17. All derivatives and off-balance sheet items that are securitization exposures are to be excluded from items 12 through 21 and are to be reported instead in item 10.
18.

03/2017

FFIEC 041
Page 72 of 85
RC-58

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

Amount
RCON S515
1.0
RCON G618
1.0

RCON S525

RCON G624

10%

Amount

RCON S517

RCON S518

RCON S519

RCON G619

RCON G620

RCON S527

RCON G626

RCON HJ96

RCON HJ98

(Column G)

(Column H)

(Column I)

(Column J)

RCON HJ97

20%

100%

150%

Amount

RCON S520

RCON S521

RCON S522

RCON S523

RCON G621

RCON G622

RCON G623

RCON S524

RCON S528

RCON HJ99

50%

RCON G627

RCON S529

RCON G628

RCON S530

RCON G629

16.
17.

RCON S531

18.a.
RCON S539

18.b.

RCON S541

D
R

RCON S540

(Column F)

Amount

RCON G625

0.5

RCON S516

RCON S526

0.2

(Column E)

Allocation by Risk-Weight Category
0%

Dollar Amounts in Thousands
16. Repo-style
20
transactions21 ...........
17. All other off-balance
sheet liabilities .........
18. Unused commitments
(exclude unused
commitments to
asset-backed
commercial paper
conduits):
a. Original maturity of
one year or less ...
b. Original maturity
exceeding one
year ...................
19. Unconditionally
cancelable
commitments...........
20. Over-the-counter
derivatives ..............
21. Centrally cleared
derivatives ..............
22. Unsettled transactions
(failed trades)2221.........

(Column D)

AF
T

(Column A)
(Column B)
Face, Notional, CCF1918
Credit
or Other
Equivalent
19
Amount
Amount20

19.

0.0

RCON H191

RCON S542

RCON S543

RCON HK00

RCON HK01

RCON S549

RCON S550

RCON S551

RCON S552

RCON H193

RCON S544

RCON S545

RCON S546

RCON S547

RCON S548

RCON S554

RCON S555

RCON S556

RCON S557

RCON H194

RCON H195

RCON H196

RCON H197

20.
21.
22.

18.
19.

Credit conversion factor.
For items 16 through 19, column A multiplied by credit conversion factor.
20.
21. Includes securities purchased under agreements to resell (reverse repos), securities sold under agreements to repurchase (repos), securities borrowed, and securities lent.
21.
22. For item 22, the sum of columns C through Q must equal column A.
19.
20.

03/2017

FFIEC 041
Page 73 of 85
RC-59

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

(Column P)

(Column Q)

D
R

Dollar Amounts in Thousands
16. Repo-style
23
transactions24 ................................................................................................................
17. All other off-balance
sheet liabilities ..............................................................................................................
18. Unused commitments
(exclude unused
commitments to
asset-backed
commercial paper
conduits):
a. Original maturity of
one year or less .........................................................................................................
b. Original maturity
exceeding one
year ........................................................................................................................
19. Unconditionally
cancelable
commitments................................................................................................................
20. Over-the-counter
derivatives ...................................................................................................................
21. Centrally cleared
derivatives ...................................................................................................................
22. Unsettled transactions
(failed trades)2524..............................................................................................................

625%

937.5%

1250%

Amount

(Column S)

Application of Other RiskWeighting Approaches2322

AF
T

Allocation by Risk-Weight Category

(Column R)

Credit Equivalent Risk-Weighted
Amount
Asset Amount
Amount

Amount

RCON H301

RCON H302

RCON H303

RCON H307

16.
17.

RCON H304

18.a.
RCON H308

18.b.

19.
RCON H309

RCON H310

20.
21.
RCON H198

RCON H199

RCON H200

22.

22.
23.

Includes, for example, exposures collateralized by securitization exposures or mutual funds.
Includes securities purchased under agreements to resell (reverse repos), securities sold under agreements to repurchase (repos), securities borrowed, and securities lent.
24.
25. For item 22, the sum of columns C through Q must equal column A.
23.
24.

09/2016

FFIEC 041
Page 74 of 85
RC-60

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

(Column D)

(Column E)

(Column F)

(Column G)

(Column H)

(Column I)

(Column J)

AF
T

Allocation by Risk-Weight Category
2%

10%

20%

50%

100%

150%

Amount

RCON G630

RCON S558

RCON S559

RCON S560

RCON G631

RCON G632

RCON G633

RCON S561

X 0%

X 2%

X 4%

X 10%

X 20%

X 50%

X 100%

X 150%

RCON G634

RCON S569

RCON S570

RCON S571

RCON G635

RCON G636

RCON G637

RCON S572

D
R

Dollar Amounts in Thousands
23. Total assets, derivatives,
off-balance sheet items,
and other items subject
to risk weighting by riskweight category (for
each of columns C
through P, sum of items
11 through 22; for
column Q, sum of items
10 through 22) ....................................................
24. Risk-weight factor ................................................
25. Risk-weighted assets
by risk-weight
category (for each
column, item 23
multiplied by
item 24) .............................................................

23.
24.

25.

03/2015

FFIEC 041
Page 75 of 85
RC-61

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

(Column L)

(Column M)

(Column N)

(Column O)

(Column P)

(Column Q)

AF
T

Allocation by Risk-Weight Category
300%

400%

600%

625%

937.5%

1250%

Amount

RCON S562

RCON S563

RCON S564

RCON S565

RCON S566

RCON S567

RCON S568

X 250%

X 300%

X 400%

X 600%

X 625%

X 937.5%

X 1250%

RCON S573

RCON S574

RCON S575

RCON S576

RCON S577

RCON S578

RCON S579

D
R

Dollar Amounts in Thousands
23. Total assets, derivatives,
off-balance sheet items,
and other items subject
to risk weighting by riskweight category (for
each of columns C
through P, sum of items
11 through 22; for
column Q, sum of items
10 through 22) .......................................................................
24. Risk-weight factor ...................................................................
25. Risk-weighted assets
by risk-weight
category (for each
column, item 23
multiplied by
item 24) ................................................................................

250%26

26.
27.
28.
29.
30.
31.

Dollar Amounts in Thousands
Risk-weighted assets base for purposes of calculating the allowance for loan and lease losses 1.25 percent threshold ..............................
Standardized market-risk weighted assets (applicable only to banks that are covered by the market risk capital rules) ...............................
25
Risk-weighted assets before deductions for excess allowance for loan and lease losses and allocated transfer risk reserve27 ......................
LESS: Excess allowance for loan and lease losses ......................................................................................................................
LESS: Allocated transfer risk reserve .........................................................................................................................................
Total risk-weighted assets (item 28 minus items 29 and 30)............................................................................................................

RCON

S580
S581
B704
A222
3128
G641

23.
24.

25.
Totals
Amount

26.
27.
28.
29.
30.
31.

26. Column K - 250% risk weight is not applicable until the March 31, 2018, report date.
25. Sum of items 2.b through 20, column S; items 9.a, 9.b, 9.c, 9.d, and 10, columns T and U; item 25, columns C through Q; and item 27 (if applicable).
27.

06/2015

FFIEC 041
Page 76 of 85
RC-62

Schedule RC-R—Continued
Part II—Continued
Memoranda

AF
T

Dollar Amounts in Thousands RCON
1. Current credit exposure across all derivative contracts covered by the regulatory capital rules ..................................................................... G642

(Column A)
One year or less

RCON

Amount

RCON

Amount

RCON

M.1.

(Column C)
Over five years
Amount

S582
S585
S588
S591
S594
S597
S600

S583
S586
S589
S592
S595
S598
S601

S584
S587
S590
S593
S596
S599
S602

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

S603
S606
S609
S612
S615
S618
S621

S604
S607
S610
S613
S616
S619
S622

S605
S608
S611
S614
S617
S620
S623

M.3.a.
M.3.b.
M.3.c.
M.3.d.
M.3.e.
M.3.f.
M.3.g.

D
R

Dollar Amounts in Thousands
2. Notional principal amounts of over-the-counter derivative contracts:
a. Interest rate .....................................................................................
b. Foreign exchange rate and gold...........................................................
c. Credit (investment grade reference asset)..............................................
d. Credit (non-investment grade reference asset)........................................
e. Equity ............................................................................................
f. Precious metals (except gold) .............................................................
g. Other .............................................................................................
3. Notional principal amounts of centrally cleared derivative contracts:
a. Interest rate .....................................................................................
b. Foreign exchange rate and gold ..........................................................
c. Credit (investment grade reference asset) .............................................
d. Credit (non-investment grade reference asset) .......................................
e. Equity ............................................................................................
f. Precious metals (except gold) .............................................................
g. Other .............................................................................................

With a remaining maturity of
(Column B)
Over one year
through five years

Amount

03/2015

FFIEC 041
Page 77 of 85
RC-63

Schedule RC-S—Servicing, Securitization, and Asset Sale Activities
(Column C)
Credit
Card
Receivables

(Column D)
Auto
Loans

(Column E)
Other
Consumer
Loans

(Column F)
Commercial
and Industrial
Loans

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

Amount

RCON B705

RCON B706

RCON B707

RCON B708

RCON B709

RCON B710

RCON B711

AF
T

(Column B)
Home
Equity
Lines

b. 90 days or more past due ......................
5. Charge-offs and recoveries on assets
sold and securitized with servicing
retained or with recourse or other
seller-provided credit enhancements
(calendar year-to-date):
a. Charge-offs ........................................
b. Recoveries .........................................

RCON
RCONB712
XXXX

RCON B713

RCON B714

RCON B715

RCON B716

RCON B717

B718
RCON XXXX

RCON C393

RCON C394

RCON C395

RCON C396

RCON C397

RCON C398

RCON C399

RCON C400

RCON C401

RCON C402

RCON C403

RCON C404

RCON C405

RCON C406

RCON B726

RCON B727

D
R

Dollar Amounts in Thousands
Bank Securitization Activities
1. Outstanding principal balance of
assets sold and securitized by the
reporting bank with servicing retained
or with recourse or other seller-provided
credit enhancements ...............................
2. Maximum amount of credit exposure
arising from recourse or other sellerprovided credit enhancements provided
to structures reported in item 1 in
the form of:
a. Credit-enhancing interest-only strips
(included in Schedules RC-B or RC-F
or in Schedule RC, item 5).....................
b. Subordinated securities and other residual
interests ............................................
c. Standby letters of credit and other
enhancements ....................................
3. Reporting
bank's unused commitments
Not applicable
to provide liquidity to structures reported
in item 1 ................................................
4. Past due loan amounts included in item 1:
a. 30–89 days past due ............................

(Column A)
1–4 Family
Residential
Loans

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

RCON B728

RCON B729

RCON B730

RCON B731

RCON B732

RCON B733

RCON B734

RCON B735

RCON B736

RCON B737

RCON B738

RCON B739

RCON B740

RCON B741

RCON B742

RCON B743

RCON B744

RCON B745

RCON B746

4.a.
4.b.

RIAD B747

RIAD B748

RIAD B749

RIAD B750

RIAD B751

RIAD B752

RIAD B753

RIAD B754

RIAD B755

RIAD B756

RIAD B757

RIAD B758

RIAD B759

RIAD B760

5.a.
5.b.

06/2012

FFIEC 041
Page 78 of 85
RC-64

Schedule RC-S—Continued

Dollar Amounts in Thousands
6. Amount
of ownership
(or seller's)
Total amount
of ownership
(or seller's)
interests
interest carried as:
as securities or loans
a. Securities
(included in Schedule RC-B or in
Schedule RC, item 5)..........................
b. Loans
(included in Schedule RC-C) ................
7. Past due loan amounts included in
interests reported in item 6.a:
a. 30–89 days past due ..........................
b. 90 days or more past due ....................
8. Charge-offs and recoveries on loan
amounts included in interests reported
in item 6.a (calendar year-to-date):
a. Charge-offs ......................................
b. Recoveries .......................................

(Column B)
Home
Equity
Lines

(Column C)
Credit
Card
Receivables

(Column D)
Auto
Loans

(Column E)
Other
Consumer
Loans

(Column F)
Commercial
and Industrial
Loans

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

Amount

RCON B761

RCON B762

RCON B763

RCON B500

RCON B501

RCON B502

RCON B764

RCON B765

RCON B766

RCON B767

RCON B768

RCON B769

RIAD B770

RIAD B771

RIAD B772

RIAD B773

RIAD B774

RIAD B775

D
R

For Securitization Facilities Sponsored
By or Otherwise Established By Other
Institutions
9. Maximum amount of credit exposure
arising from credit enhancements provided
by the reporting bank to other
institutions' securitization structures in
the form of standby letters of credit,
purchased subordinated securities,
and other enhancements ........................
10. Reporting bank's unused commitments
to provide liquidity to other institutions'
securitization structures ..........................

(Column A)
1–4 Family
Residential
Loans

AF
T

Items 6 and 10 are to be completed by banks
with $10 billion or more in total assets.1

RCON XXXX
6.a.
6.b.

7.a.
7.b.

8.a.
8.b.

RCON B776

RCON B777

RCON B778

RCON B779

RCON B780

RCON B781

RCON B782

RCON B783

RCON B784

RCON B785

RCON B786

RCON B787

RCON B788

RCON B789

10.

1. The asset size tests are based on the total assets reported on the June 30, 2017, Report of Condition.

06/2012

FFIEC 041
Page 79 of 85
RC-65

Schedule RC-S—Continued

Memoranda

(Column B)
Home
Equity
Lines

(Column C)
Credit
Card
Receivables

(Column D)
Auto
Loans

(Column E)
Other
Consumer
Loans

(Column F)
Commercial
and Industrial
Loans

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

Amount

RCON B790

RCON B791

RCON B792

RCON B793

RCON B794

RCON B795

RCON B796

AF
T

Dollar Amounts in Thousands
Bank Asset Sales
11. Assets sold with recourse or other
seller-provided credit enhancements
and not securitized by the reporting
bank ...........................................
12. Maximum amount of credit exposure
arising from recourse or other sellerprovided credit enhancements provided to assets reported in item 11 .....

(Column A)
1–4 Family
Residential
Loans

RCON B797

RCON B798

RCON B799

RCON B800

RCON B801

RCON B802

D
R

Dollar Amounts in Thousands
1. Small
business obligations transferred with recourse under Section 208 of the Riegle Community Development and Regulatory
Not applicable
Improvement Act of 1994:
a. Outstanding principal balance...............................................................................................................................................
b. Amount of retained recourse on these obligations as of the report date .........................................................................................
2. Outstanding principal balance of assets serviced for others (includes participations serviced for others):
a. Closed-end 1– 4 family residential mortgages serviced with recourse or other servicer-provided credit enhancements ............................
b. Closed-end 1– 4 family residential mortgages serviced with no recourse or other servicer-provided credit enhancements........................
c. Other financial assets (includes home equity lines)1 ..................................................................................................................
d. 1–4 family residential mortgages serviced for others that are in process of foreclosure at quarter-end
(includes closed-end and open-end loans) ..............................................................................................................................
3. Asset-backed commercial paper conduits:2
a. Maximum amount of credit exposure arising from credit enhancements provided to conduit structures in the form of standby letters of
credit, subordinated securities, and other enhancements:
(1) Conduits sponsored by the bank, a bank affiliate, or the bank's holding company .......................................................................
(2) Conduits sponsored by other unrelated institutions ...............................................................................................................
b. Unused commitments to provide liquidity to conduit structures:
(1) Conduits sponsored by the bank, a bank affiliate, or the bank's holding company .......................................................................
(2) Conduits sponsored by other unrelated institutions ...............................................................................................................
4. Outstanding credit card fees and finance charges included in Schedule RC-S, item 1, column C3 ..........................................................

RCON

11.

RCON B803

12.

Amount

A249
A250

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

B804
B805
A591

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

F699

M.2.d.

B806

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

B807
B808
B809
C407

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

with $10 billion or more in total assets4

1. Memorandum item 2.c is to be completed if the principal balance of other financial assets serviced for others is more than $10 million.
2. Memorandum items 3.a.(1) through 3.b.(2) are to be completed by banks with $110
billion
or more
in total
billion
or more
inassets.
total assets4.
3. Memorandum item 4 is to be completed by banks that (1) together with affiliated institutions, have outstanding credit card receivables (as defined in the instructions) that exceed $500 million as of the
report date, or (2) are credit card specialty banks as defined for Uniform Bank Performance Report purposes.

4. The asset size tests are based on the total assets reported on the June 30, 2017, Report of Condition.

09/2016

FFIEC 041
Page 80 of 85
RC-66

Schedule RC-T—Fiduciary and Related Services
RCON Yes

1. Does the institution have fiduciary powers? (If "NO," do not complete Schedule RC-T.) ..................... A345
2. Does the institution exercise the fiduciary powers it has been granted? .......................................... A346
3. Does the institution have any fiduciary or related activity (in the form of assets or accounts) to report
in this schedule? (If "NO," do not complete the rest of Schedule RC-T.) ......................................... B867

1.
2.
3.

If the answer to item 3 is "YES," complete the applicable items of Schedule RC-T, as follows:

Institutions with total fiduciary assets (item 10, sum of columns A and B) greater than $250 million (as of the preceding December 31)
or with gross fiduciary and related services income greater than 10 percent of revenue (net interest income plus noninterest income)
for the preceding calendar year must complete:
• Items 4 through 22 and Memorandum item 3 quarterly,
• Items 23 through 26 annually with the December report, and
• Memorandum items 1, 2, and 4 annually with the December report.
Institutions with total fiduciary assets (item 10, sum of columns A and B) greater than $100 million but less than or equal to $250
million (as of the preceding December 31) that do not meet the fiduciary income test for quarterly reporting must complete:
December
report,
and
Items44through
through26
13annually
annuallywith
withthe
the
December
report,
and
•*Items
4 annually
with
thethe
December
report.
Memorandumitems
items1 1through
through
3 annually
with
December
report.
•*Memorandum

* Institutions with total fiduciary assets greater than $100 million but less than or equal to $250 million (as of the preceding

R
AF

Institutions with total fiduciary assets (item 10, sum of columns A and B) of $100 million or less (as of the preceding December 31)
December 31) that do not meet the fiduciary income test for quarterly reporting must also complete Memorandum item 4
that do not meet the fiduciary income test for quarterly reporting must complete:
annually with the December report.
• Items 4 through 13 annually with the December report, and
• Memorandum items 1 through 3 annually with the December report.
(Column A)
Managed
Assets

Dollar Amounts in Thousands
Fiduciary and Related Assets
4. Personal trust and agency accounts ..........
5. Employee benefit and retirement-related
trust and agency accounts:
a. Employee benefit—defined
contribution.......................................
b. Employee benefit—defined
benefit .............................................
c. Other employee benefit and retirementrelated accounts ................................

6. Corporate trust and agency accounts ........
7. Investment management and investment
advisory agency accounts .......................
8. Foundation and endowment trust and
agency accounts ...................................

9. Other fiduciary accounts .........................
10. Total fiduciary accounts
(sum of items 4 through 9) ......................

(Column B)
Non-Managed
Assets

(Column C)
Number of
Managed
Accounts

(Column D)
Number of
Non-Managed
Accounts

Amount

Number

RCON B868

RCON B869

RCON B870

RCON B871

RCON B872

RCON B873

RCON B874

RCON B875

RCON B876

RCON B877

RCON B878

RCON B879

RCON B880

RCON B881

RCON B882

RCON B883

RCON B884

RCON B885

RCON C001

RCON C002

RCON B886

RCON J253

RCON B888

RCON J254

RCON J255

RCON J256

RCON J257

RCON J258

RCON B890

RCON B891

RCON B892

RCON B893

RCON B894

RCON B895

RCON B896

RCON B897

5.a.
5.b.
5.c.
6.
7.
8.
9.
10.

06/2012

FFIEC 041
Page 81 of 85
RC-67

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

Dollar Amounts in Thousands

(Column B)
Non-Managed
Assets

(Column C)
Number of
Managed
Accounts

Amount

Number

Amount

Number

RCON B898

11. Custody and safekeeping accounts .......
12. Not applicable
13. Individual Retirement Accounts, Health
Savings Accounts, and other similar accounts (included in items 5.c and 11) ....

(Column D)
Number of
Non-Managed
Accounts
RCON B899

11.

RCON J259

RCON J260

RCON J261

RCON J262

13.
Amount

Dollar Amounts in Thousands RIAD
B904

14.

B905

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

B906
B907
A479

R
AF

Fiduciary and Related Services Income
14. Personal trust and agency accounts ..................................................................................
15. Employee benefit and retirement-related trust and agency accounts:
a. Employee benefit—defined contribution ..........................................................................
b. Employee benefit—defined benefit ................................................................................
c. Other employee benefit and retirement-related accounts ....................................................
16. Corporate trust and agency accounts ................................................................................
17. Investment management and investment advisory agency accounts ........................................
18. Foundation and endowment trust and agency accounts ........................................................
19. Other fiduciary accounts .................................................................................................
20. Custody and safekeeping accounts ...................................................................................
21. Other fiduciary and related services income ........................................................................
22. Total gross fiduciary and related services income (sum of items 14 through 21)
(must equal Schedule RI, item 5.a) ..................................................................................
23. Less: Expenses ............................................................................................................
24. Less: Net losses from fiduciary and related services .............................................................
25. Plus: Intracompany income credits for fiduciary and related services........................................
26. Net fiduciary and related services income...........................................................................

Memoranda

Dollar Amounts in Thousands
1. Managed assets held in fiduciary accounts:
a. Noninterest-bearing deposits ........................
b. Interest-bearing deposits .............................
c. U.S. Treasury and U.S. Government
agency obligations .....................................
d. State, county, and municipal obligations .........
e. Money market mutual funds .........................
f. Equity mutual funds ....................................
g. Other mutual funds.....................................
h. Common trust funds and collective
investment funds .......................................
i. Other short-term obligations .........................
j. Other notes and bonds ................................
k. Investments in unregistered funds and private
equity investments .....................................

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

RCON

Amount

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

RCON

Amount

J315
J316
A480
B909
B910
4070

22.
23.
24.
25.
26.

C058
A488
B911
A491

(Column C)
All Other Accounts

RCON

Amount

J263
J266

J264
J267

J265
J268

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

J269
J272

J270
J273

J271
J274

J275
J278
J281

J276
J279
J282

J277
J280
J283

M.1.c.
M.1.d.
M.1.e.
M.1. f.
M.1.g.

J284
J287

J285
J288

J286
J289

J290

J291

J292

M.1.h.
M.1. i.
M.1. j.

J293

J294

J295

M.1.k.

06/2012

FFIEC 041
Page 82 of 85
RC-68

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

Amount

RCON

(Column C)
All Other Accounts

J297
J300

J298
J301

J302
J305

J303
J306

J304
J307

J308

Amount

RCON

J296
J299

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

Dollar Amounts in Thousands
1. l. Other common and preferred stocks ...........
m. Real estate mortgages ...............................
n. Real estate ............................................
o. Miscellaneous assets ..............................
p. Total managed assets held in fiduciary
accounts (for each column, sum of
Memorandum items 1.a through 1.o)...........

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

J309

J310

(Column A)
Managed Assets

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

(Column B)
Number of
Managed Accounts

RCON

R
AF

Amount

M.1.p.

Number

J312

(Column A)
Number of
Issues

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

M.1.q.

(Column B)
Principal Amount
Outstanding

Number

Amount
RCON B928
RCON J314

(1) Issues reported in Memorandum item 2.a that are in default ................ J313
b. Transfer agent, registrar, paying agent, and other corporate agency.......... B929

Memoranda items 3.a through 3.g are to be completed by banks with collective
investment funds and common trust funds with a total market value of $1 billion
or more as of the preceding December 31.

Dollar Amounts in Thousands
3. Collective investment funds and common trust funds:
a. Domestic equity..............................................................................
b. International/Global equity ................................................................
c. Stock/Bond blend............................................................................
d. Taxable bond .................................................................................
e. Municipal bond ...............................................................................
f. Short-term investments/Money market ...............................................
g. Specialty/Other ..............................................................................
h. Total collective investment funds
(sum of Memorandum items 3.a through 3.g) .......................................

(Column A)
Number of Funds

RCON

Number

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

(Column B)
Market Value of
Fund Assets

RCON

Amount

B931

B932

B933
B935
B937

B934
B936
B938

B939
B941
B943

B940
B942
B944

M.3.a.
M.3.b.
M.3.c.
M.3.d.
M.3.e.
M.3. f.
M.3.g.

B945

B946

M.3.h.

06/2012

FFIEC 041
Page 83 of 85
RC-69

Schedule RC-T—Continued
Memoranda—Continued
(Column A)
Gross Losses
Managed
Accounts
RIAD

Amount

RIAD

Amount

(Column C)
Recoveries

RIAD

Amount

B947

B948

B949

M.4.a.

B950

B951

B952

M.4.b.

B953
B956

B954
B957

B955
B958

M.4.c.
M.4.d.

B959

B960

B961

M.4.e.

R
AF

Dollar Amounts in Thousands
4. Fiduciary settlements, surcharges, and other losses:
a. Personal trust and agency accounts ........................................
b. Employee benefit and retirement-related trust and agency
accounts ............................................................................
c. Investment management and investment advisory agency
accounts ............................................................................
d. Other fiduciary accounts and related services ............................
e. Total fiduciary settlements, surcharges, and other losses
(sum of Memorandum items 4.a through 4.d)
(sum of columns A and B minus column C must equal
Schedule RC-T, item 24) .......................................................

(Column B)
Gross Losses
Non-Managed
Accounts

Person to whom questions about Schedule RC-T—Fiduciary and Related Services should be directed:

Name and Title (TEXT B962)

E-mail Address (TEXT B926)

Area Code / Phone Number / Extension (TEXT B963)

Area Code / FAX Number (TEXT B964)

06/2012

FFIEC 041
Page 84 of 85
RC-70

Schedule RC-V—Variable Interest Entities
(Column A)
Securitization Vehicles
RCON

Amount

RCON

Amount

Other VIEs

RCON

J982

J983

J984
XXXX
J987

J985
J988

J986
XXXX

J990
XXXX
J993
K009
J996
K012

J991
J994
J997
K001

J992
XXXX
J995
K011
J998
K014

K004
K007
K010
K013

K005
K008
K011
K014

K015

K016

K017

K018
K021

K019
K022

K020
K023

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

K024
K027

K025
K028

K026
K029

2.a.
2.d.
2.e.
2.b.

K030

K031

K032

K033

K034

K035

J989

1.c.
1.d.
1.d
1.e.
1.ef.
1.
1.g.
1.h.
1. i.
1. j.
1.k.

J999

K003
K006
K009
K012

1.a.
1.b.
1.c.

K002

RCON
XXXX
XXXX

Amount
5.
6.

5. Total assets of asset-backed commercial paper
(ABCP) conduit VIEs............................
6. Total liabilities of ABCP conduit VIEs........................

Amount

J981

R
AF

Dollar Amounts in Thousands
1. Assets of consolidated variable interest
entities (VIEs) that can be used only to settle
obligations of the consolidated VIEs:
a. Cash and balances due from depository
institutions......................................................
b. Held-to-maturity
Securities not held
for trading
b.
securities
.................................
c.
securities
...............................
c. Available-for-sale
Loans and leases held
for investment,
net of
d.
Securitiesand
purchased
allowance,
held forunder
sale
agreements to resell.........................................
d. Loans
Other and
real leases
estate held
owned
e.
for sale ...........................
e.
Other
assets
f. Loans and leases held for investment ..................
g. Less: Allowance for loan and lease losses ............
h. Other real estate owned ....................................
i. Derivative trading assets ...................................
h. Trading assets (other than derivatives).................
k. Other assets ...................................................
2. Liabilities of consolidated VIEs for which creditors
do not have recourse to the general credit of the
reporting bank:
a. Securities sold under agreements to
repurchase .....................................................
b. Derivative trading liabilities ................................
c. Commercial paper ...........................................
a. Other
Other borrowed
borrowedmoney
money
d.
(exclude commercial paper) ...............................
e. Other liabilities ................................................
b.
3. All other assets of consolidated VIEs
1.e above) ............
(not included in items 1.a through 1.k
4. All other liabilities of consolidated VIEs
and 2.b2.e above) ............
(not included in items 2.a through

(Column
B)
(Column C)

(Column B)
ABCP Conduits

03/2017

FFIEC 041
Page 85 of 85
RC-71

Optional Narrative Statement Concerning the Amounts
Reported in the Reports of Condition and Income
750 characters, as defined, it will be truncated at 750 characters
with no notice to the submitting bank and the truncated statement
will appear as the bank’s statement both on agency computerized
records and in computer-file releases to the public.
All information furnished by the bank in the narrative statement
must be accurate and not misleading. Appropriate efforts shall be
taken by the submitting bank to ensure the statement’s accuracy.

If, subsequent to the original submission, material changes are
submitted for the data reported in the Reports of Condition and
Income, the existing narrative statement will be deleted from the
files, and from disclosure; the bank, at its option, may replace it
with a statement appropriate to the amended data.
The optional narrative statement will appear in agency records
and in release to the public exactly as submitted (or amended as
described in the preceding paragraph) by the management of
the bank (except for the truncation of statements exceeding the
750-character limit described above). THE STATEMENT WILL
NOT BE EDITED OR SCREENED IN ANY WAY BY THE
SUPERVISORY AGENCIES FOR ACCURACY OR RELEVANCE.
DISCLOSURE OF THE STATEMENT SHALL NOT SIGNIFY
THAT ANY FEDERAL SUPERVISORY AGENCY HAS VERIFIED
OR CONFIRMED THE ACCURACY OF THE INFORMATION
CONTAINED THEREIN. A STATEMENT TO THIS EFFECT WILL
APPEAR ON ANY PUBLIC RELEASE OF THE OPTIONAL
STATEMENT SUBMITTED BY THE MANAGEMENT OF THE
REPORTING BANK.

R
AF

The management of the reporting bank may, if it wishes, submit a
brief narrative statement on the amounts reported in the Reports
of Condition and Income. This optional statement will be made
available to the public, along with the publicly available data in the
Reports of Condition and Income, in response to any request for
individual bank report data. However, the information reported in
Schedule RI-E, item 2.g; Schedule RC-O, Memorandum items 6
through 9, 14, 15, and 18; and Schedule RC-P, items 7.a and 7.b,
is regarded as confidential and will not be released to the public.
BANKS CHOOSING TO SUBMIT THE NARRATIVE STATEMENT
SHOULD ENSURE THAT THE STATEMENT DOES NOT
CONTAIN THE NAMES OR OTHER IDENTIFICATIONS OF
INDIVIDUAL BANK CUSTOMERS, REFERENCES TO THE
AMOUNTS REPORTED IN THE CONFIDENTIAL ITEMS
IDENTIFIED ABOVE, OR ANY OTHER INFORMATION THAT
THEY ARE NOT WILLING TO HAVE MADE PUBLIC OR THAT
WOULD COMPROMISE THE PRIVACY OF THEIR CUSTOMERS
Banks choosing not to make a statement may check the “No
comment” box below and should make no entries of any kind in
the space provided for the narrative statement; i.e., DO NOT enter
in this space such phrases as “No statement,” “Not applicable,”
“N/A,” “No comment,” and “None.”
The optional statement must be entered on this sheet. The statement should not exceed 100 words. Further, regardless of the
number of words, the statement must not exceed 750 characters, including punctuation, indentation, and standard spacing
between words and sentences. If any submission should exceed

RCON Yes

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

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

(TEXT 6980)

06/2013

File Type	application/pdf
File Modified	2017-11-08
File Created	2017-06-24