Consolidated Reports of Condition and Income for · To fulfill the signature and attestation...

Board of Govemors of the Federal Reserve SystemOMB Number: 7100-0036Federal Deposit Insurance CorporationOMB Number: 3064-0052

Ofce of the Comptroller of the CurrencyOMB Number: 1557-0081Expires May 31. 2012Federal Financial Institutions Examination Council

~ Please refer to page i.Table of Contents. forthe required discosureof estimated burden.

OJ

Consolidated Reports of Condition and Income forA Bank With Domestic and Foreign Offices-FFIEC 031Report at the close of business Sel'lember 38, 2889 ; (29999939) (t. 0100 :3 3 i)

M~rch 31, 2010 (RCON99)This report is required by law: 12 U.S.C. §324 (State member banks); This report form is to be filed by banks with brnches and consolidated12 U.S.C. §1817 (State nonmember banks); and 12 U.S.C. §161 subsidiaries in U.S. territories and possesions, Edge or Agreement(National banks). subsidiaries, foreign branches, consolidated foreign subsidiaries, or

International Banking Facilties.

NOTE: Each bank's board of direcors and senior management areresponsible for establishing and maintaining an effective systemof intemal control, including controls over the Reports of Conditonand Income. The Reports of Condition and Income are to be pre-pared in accrdance with Federal regulatory authority instructions.The Report of Condition and Income must be signed by the ChiefFinancial Ofcer (CFO) of the reporting bank (or by the individual per-forming an equivalent function) and attested to by not less than twodirecors (trustees) for State nonmember banks and three direcorsfor State member and National banks.

I, the undersigned CFO (or equivalent) of the named bank, attest thatthe Reports of Condition and Income (including the supporting sched-ules) for this report date have been prepared in conformance withthe instructions issued by the appropriate Federal regulatory authorityand are true and correct to the best of my knowledge and belief.

Signature of Chief Financial Ofcer (or Equivalent)

Date of Signature

We, the undersigned directors (trustees), attest to the correctness ofthe Report of Condition and Income (including the supporting sched-ules) for this report date and declare that the Reports of Condition andIncome have been examined by us and to the best of our knowledgeand belief have ben prepared in conformance with the instructionsissued by the appropriate Federal regulator authority and are trueand correct.

Director (Trustee)

Director (Trustee)

Director (Trustee)

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

(a) Using computer softare to prepare its Call Report and thensubmitting the report data directly to the FFIEC's Central DataRepository (CDR), an Intemet-based system for data collection(https://cdr.ffec.gov/cdr/), or

(b) Completing its Call Report in paper form and arranging with asoftare vendor or another part to convert the data into the elec-tronic format that can be processed by the CDR. The softarevendor or other part then must electronically submit the bank'sdata file to the CDR.

For technical assistance with submissions to the CDR, please contactthe CDR Help Desk by telephone at (888) CDR-3111, by fax at (703)774-3946, or bye-mail at CDR.Help(Iffec.gov.

To fulfill the signature and attestation requirement for the Reportsof Condition and Income for this report date, attach your bank's

FDIC Certificate Number I I I I(RSSD900)

completed signature page (or a photocpy or a computer-generated version of this page) to the hard-copy record of the data filesubmitted to the CDR that your bank must place in its files.

The appearance of your bank's hard-copy record of the submitteddata file need not match exactly the appearance of the FFIEC'ssample report forms. but should show at least the caption of eachCall Report item and the reported amount.

Legal Title of Bank (RSSO 9(17)

City (RSSD 9130)

State Abbrev. (RSSD 9200) zip Code (RSS09220)

Board of Govemors of the Federal Reserve System. Federal Deposit Insurance Corporation. Offce of the Comptroller of the Currency

FFIEC 031

Pagei

Consolidated Reports of Condition and Income forA Bank With Domestic and Foreign Offces

Table of Contents

Signature Page CoverContact Information................................................... ii, iii

Report of Income

Schedule RI-Income Statement .........................RI-1, 2, 3

Schedule RI-A-Changes in Bank Equity Capital........RI-4

Schedule RI-B-Charge-offs and Recoveries on

Loans and Leases and Changes in Allowancefor Loan and Lease Losses..............................RI-4, 5, 6

Schedule RI-D-Income from Foreign Offces............. RI-6

Schedule RI-E-Explanations ..................................R1-7, 8

Report of Condition

Schedule RC-Balance Sheet ............................... RC-1, 2

Schedule RC-A-Cash and Balances DueFrom Depository Institutions.................................. RC-3

Schedule RC-B-Securities ..... ...... ............ RC-3, 4, 5, 6, 7

Disclosure of Estimate Burden

The estimated average burden assoated with this information collection is41.3 hours per respondent and is estimated to vary from 16 to 650 hours perresponse, depending on individual circumstances. Burden estimates include thetime for reviewing instrctions, gathering and maintaining data in the required fom,and completing the information collecon, but exclude the time for compiling andmaintaining business rerds in the normal cors of a respondent's activities. AFederal agency may not conduct or sponsor, and an orgnization (or a person) is notreuired to respond to a collection of information, unless it displays a currently validOMB control number. Comments concerning the accuracy of this burden estimateand suggestions for reucing this burden should be direced to the Ofce of Informa-tion and Regulatory Affairs, Offce of Management and Budget, Washington, D.C.20503, and to one of the following:

SecretaryBoard of Govemors of the Federal Reserve SystemWashington. D.C. 20551

Legislative and Regulatory Analysis DivisionOfce of the Comptroller of the CurrencyWashington, D.C. 20219

Assistant Executive SecretaryFederal Deposit Insurance CorporationWashington, D.C. 20429

o

Schedule RC-C-Loans and Lease FinancingReceivables:Part i. Loans and Leases .... ...... ........ RC-8, 9, 10,11, 12Part II. Loans to Small Businesses and

Small Farms ~le Be eeFfpleted fgr lRe~R8 i:øport oRly)..................................... RC-12a, 12b

Schedule RC-D- Trading Assets and Liabilties(to be completed only by selected banks)

RC-13, 14, 15

Schedule RC-E-Deposit Liabilties................... RC-16; 17

Schedule RC-F-Qther Assets................................. RC-18

Schedule RC-G-Other Liabilities ..................... ....... RC-18

Schedule RC-H-Selected Balance Sheet Itemsfor Domestic Ofces................................,............ RC-19

Schedule RC-I-Assets and Liabilties of IBFs.... ..... RC-19

Schedule RC-K-Quarterly Averages.. .................... RC-20

Schedule RC-L-Derivatives and

Off-Balance Sheet Items ........... ......... RC-21 , 22, 23, 24

Schedule RC-M-Memoranda ........................... RC-25, 26

Schedule RC-N-Past Due and Nonaccrual

Loans. Leases, and Other Assets ............ RC-27, 28, 29

Schedule RC-Q-ther Data for DepositInsurance and FICO Assessments........... RC-29, 30, 31

Schedule RC-P-1-4 Family ResidentialMortgage Banking Activities in DomesticOffices (to be completed only by selectedbanks) .................................................................. RC-32

Schedule RC-Q-Assets and Liabilties Measuredat Fair Value on a Recurring Basis (to becompleted only by selected banks) ................ RC-33, 34

Schedule RC-R-Regulatory Capital.......... RC-35, 36, 37,38,39

Schedule RC-S-Servicing, Securitization,and Asset Sale Activities .......................... RC-40, 41, 42

Schedule RC- T -Fiduciary and Related

Services ................................................... RC-43, 44, 45

Optional Narrative Statement Concerningthe Amounts Reported in the Reportsof Condition and Income .... ........ ............ ......... ..... RC-46

For information or assistance, National and State nonmember banks should contact the FDIC's Data Collection and Analysis Section, 55017th Street, NW, Washington, D.C. 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.

A FFIEC 031

Pageii

Contact Information for the Reports of Condition and Income

To facilitate communication between the Agencies and the bank concerning the Report of Condition and Income, please provide contact informtion for(1) the Chief Financial Ofcer (or equivalent) of the bank signing the repor for this quarter and (2) the persn at the bank~ther than the Chief Finan-cial Ofcer (or equivalent) - to whom questons about the report should be directd. If the Chief Financial Ofcer (or equivalent) is the primary contactfor questions about the report, please provide contact information for another person at the bank who will serve as a secondary contact for communica-tions between the Agencies and the bank cocerning the Report of Condition and Income. Enter "none" for the contacts e-mail address or fax numberif not available. Contact information for the Repor of Condition and Incoe is for the confidential use of the Agencies and wil not be released to thepublic.

Chief Financial Ofcer (or Equivalent) Signing the Report Other Person to Whom Questions about the ReportShould be Directed

o

Name (TXT C490) Name (TXT C411)

Tille (TXT C491) Title (TXT C496)

E-mail Address (TXT C492 E-mail Addrss (T 408)

Telephone: Area coe/phone number/extension (TXT C493) Telephone: Area coe/phone number/extension (T 89)

FAX: Area coe/phone number (TC494) FAX: Area coe/phone number (TXT 9118)

Emergency Contact Information

This information is being requested so the Agencies can distribute crtical, time sensitive infomation to emergency contact at banks. Please provide pri-mary contact information for a senior offcial of the bank who has decision-making authorty. Also provide information for a secondary contact if available.Enter "none" fo the cotact's e-mail address or fax number if not available. Emergency contact information is for the confidential use of the Agenciesand wil not be release to the public.

Primary Contact Secondary Contact

Name (TXTC371)Name (T C3)

Title (TXT C387) Title (T C372)

E-mail Address (T C3) E-mail Address (TXT C373)

Telephone: Area coe/phone number/extension (TXT C39) Telephone: Area coe/phone number/extension (TC374)

FAX: Area coe/phone number (TC370) FAX: Area coe/phone number (TC375)

R FFIEC031Page iii

USA PATRIOT Act Section 314(a) Anti-Money Laundering Contact Information

This information is being requested to identify points-of-cntact who are in charge of your bank's USA PATRIOT Act Section 314(a) information requests.Bank persnnel listed could be contacted by law enfocement offcers or the Financial Crimes Enforcement Network (FinCEN) for additional informationrelated to specific Secton 314(a) search requests or other anti-terrorist financing and anti-money laundering matters. Communications sent by FinCENto the bank for purpses other than Secton 314(a) notfications will state the intended purpse and should be directed to the appropriate bank persn-nel for review. Any disdosure of customer records to law enforcement offcers or FinCEN must be done in compliance with applicable law, including theRight to Financial Privacy Act (12 U.S.C. 3401 et seq.).

o

Please provide information for a primary and secondary contact Information for a third and fourt contact may be provide 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 enforcementoffcers and will not be released to the public.

Primary Contact Secondary Contact

Name (TXTC47) Name (TEXT Cl2)

Title (TXT C438) Title (TXT C443)

E-mail Address (TXT C439) E-mail Address (TXT C4)

Telephone: Area coe/phone number/extension (TEXT Cl0) Telephone: Area coe/phone number/extension (TTCI5)

Third Contact Fourth Contact

Name (TC870) Name (T C875)

Title (TEXT C871) Title (TXT C878)

E-mail Address (T C872) E-mail Address (TXT C877

Telephone: Area coe/phone number/extension (T C873) Telephone: Area coe/phone number/extension (TXT C878)

RConsolidated Report of Incomefor the period January 1, 2009 September 30,2009- 2dlO - 1Jo.rc.h '3/, 2.0 I 0All Report of Income schedules are to be reported on a calendar year-to-date basis In thousands of dollars.

Schedule RI-Income Statement

1. Interest income:a. Interest and fee income on loans:

(1) In domestic offces:(a) Loans secured by real estate:

(1) Loans secured by 1-4 family residential properties...................................................(2) All other loans secured by real estate .......... .................... ............. .................. ...........

(b) Loans to finance agncultural production and other loans to farmers ............................... 4024(c) Commercial and industrial loans ..................................................................................... 4012

(d) Loans to individuals for household, family, and other personal expenditures:(1) Credit cards................................................................................................................ 8485(2) Other (includes single payment, installment, all student loans, and revolving credit

plans other than credit cards).................................................................................... B486

(e) Loans to foreign governments and offcial institutions...................................................... 4056(f) All other loans in domestic offces.................................................................................... 8487

(2) In foreign offces, Edge and Agreement subsidiaries, and IBFs ............................................. 4059(3) Total interest and fee income on loans (sum of items 1.a.(1)(a) through 1.a.(2)) ................... 4010

b. Income from lease financing receivables ........................................................... ........................... 4065c. Interest income on balances due from depository institutions1 ..................................................... 4115d. Interest and dividend income on secunties:

(1) U.S. Treasury secunties and U.S. Government agency obligations (excludingmortgage-backed secunties)......................,............................................................................

(2) Mortgage-backed secunties..........................................................,.,.......................................(3) All other secunties (includes secunties issued by states and political subdivisions in the

U.S.)..............................................................................................,......................................... 4060e. Interest income from trading assets.. ........ ................... .............................................. ............... .... 4069f. Interest income on federal funds sold and securities purchased under agreements to resell ...... 4020g. Other interest income.................................................................................................................... 4518h. Total interest income (sum of items 1.a.(3) through 1.g) ............................................................... 4107

2. Interest expense:a. Interest on deposits:

(1) Interest on deposits in domestic offces:(a) Transaction accunts (NOW accounts, ATS accunts, and telephone and

preauthorized transfer accounts)......................................................................................

(b) Nontransaction accounts:

(1) Savings deposits (includes MMDAs).......................................................................... 0093(2) Time deposits of $100,000 or more ........................................................................... A517(3) Time deposits of less than $100,000 ......................................................................... A518

(2) Interest on deposits in foreign offces, Edge and Agreement subsidianes, and IBFs ............. 4172b. Expense of federal funds purchased and securities sold under agreements to repurchase......... 4180c. Interest on trading liabilities and other borrowed money.................. ........... ................ ............. ..... 4185

1 Indudes interest income on lime certificates of deposit not held for trading.

FFIEC 031

Page RI-1

o

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

1.a.(1 )(d)(1)

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

1.d.(1 )

1.d.(2)

1.d.(3)1.e.1.f.

1.g.1.h.

2,a.(1 )(a)

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

Schedule RI-Continued

Dollar Amounts in Thousands

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) ....................................................4. Provision for loan and lease losses......................... ....................................5. Noninterest income:

a. Income from fiduciary activities1.............................................................b. Service charges on deposit accounts in domestic offces ............. ......... 4080c. Trading revenue2.................................................................................... A220d. (1) Fees and commissions frm securities brokerage........................... C886

(2) Investment banking, advisory, and underwriting fees andcommissions ......... ............. ................. ................ ............................. C888

(3) Fees and commissions from annuity sales .......... .......... .................. C887(4) Underwriting income from insurance and reinsurance

activities..........................,................................................................ C386

(5) Income from other insurance activities........ ........ ............................. C387e. Venture capital revenue..., ....................... ......... .... .................... .............. B491f. Net servicing fees................................................................................... B492g. Net securitization income ....................................................................... 8493h. Not applicable

i. Net gains (losses) on sales of loans and leases ....................................j. Net gains (losses) on sales of other real estate owned..........................k. Net gains (losses) on sales of other assets (excluding securities).........i. Other noninterest income.......................................................................m. Total noninterest income (sum of items 5.a through 5.1).........................

6. a. Realized gains (losses) on held-to-maturity securities...........................b. Realized gains (losses) on available-for-sale securities.........................

7. Noninterest expense:a. Salaries and employee benefits .............. ............... .................. ..............b. Expenses of premises and fixed assets (net of rental income)

(excluding salaries and employee benefis and mortgage interest) .......c. (1) Goodwil impairment losses .......... ...................... ............. ........ ........

(2) Amortzation expense and impairment losses for otherintangible assets........................,.....................................................

d. Other noninterest expense.....................................................................e. Total noninterest expense (sum of items 7.a through 7.d) .....................

8. Income (loss) before income taxes and extraordinary items and otheradjustments (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e).............

9. Applicable income taxes (on item 8) ...........................................................10. Income (loss) before extraordinary items and other adjustments

(item 8 minus item 9)........ ............. ..................... ....... ..... ........ ....... ..............11. Extraordinary items and other adjustments, net of income taxes. ..............12. Net income (loss) attributable to bank and noncontrollng (minority)

interests (sum of items 10 and 11) ..........................................................13. LESS: Net income (loss) attributable to noncontrollng (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)...........

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.

FFIEC 031

PageRI-2

o

3.4.

5.m.6.a.6.b.

7.e.

8.9.

10.11.

12.

13.14.

. Descrbe on Schedule RI-E-Explanalions1 For banks required to complete Schedule RC-T, items 12 through 19, income from fiduciary activities reporteQ in Schedule RI, item 5.a, must equal the

amount reported in Schedule RC-T, item 19.2 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 a.e.

7.a.

7.b.7.c.(1 )

Schedule RI-Continued

MemorandaDollar Amounts in Thousands

1. Interest expense incurred to carry tax-exempt securities, loans, and leases acquiredafter August 7, 1986, that is not deductible for federal income tax purposes ....................................

Memorandum Item 2 Is to be completed by banks with $1 billion or more in total assets.'2. Income from the sale and servicing of mutual funds and annuities in domestic offces

(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 secunties 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 penod (round to nearest

whole number) ..... ............... .......... ......... ..... .................. ................. ....... .............. .... ...........................6. Not applicable

7. If the reporting bank has restated its balance sheet as a result of applying push down RIADaccounting this calendar year, report the date of the bank's acquisition2 ...,............................. 9106

8. Trading revenue (from cash instruments and denvative instruments) (sum of Memorandumitems 8.a through 8.e must equal Schedule RI, item 5.c) (To be completed by banks thatreported average trading assets (Schedule RC-K, item 7) of $2 milion or more for anyquarter of the preceding calendar year.):a. Interest rate exposures......,..... ...... .......... ........ ........... ... ...................... ,.. .......... ... ..........................b. Foreign exchange exposures. ............ .... ................................. .......... .... ............. ....................... ....c. Equity secunty and index exposures.............................................................................................d. Commodity and other exposures ..................................................................................................e. Credit exposures ...........................................................................................................................

9. Net gains (losses) reconized in earnings on credit denvatives that economically hedge credit

exposures held outside the trading account:a. Net gains (losses) on credit denvatives held for trading................................................................b. Net gains (losses) on credit derivatives held for purposes other than trading...............................

10. Credit losses on derivatives (see instructions)...................................................................................

Year-to-dateRIAD Bil Mil Thou

8757875887598760F186

C889C890A251

FFIEC031Page RI-3

oM.1.

M.2.

M.3.

MA.

M.5.

M.7.

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

M.9.a.M.9.b.M.10.

11. ~~~~;~:::.~:g y~:~ .~~~.~..~..~~~~~~~~~~.~.~~~~~~~~.i.~..~.~~.~~.~~~~~~~.~~l..i~~:~.~~~.~~~~~~~.... :~:~ I Yes . No I M.11.

Memorandum item 12 is to be completed by banks that are required to complete ScheduleRC-C, part i, Memorandum items B.b and B.C.12. Noncash income from negative amortization on closed-end loans secured by 1-4 family

residential properties (included in Schedule RI, item 1.a.(1 )(a)(1 ))....................................................

Memorandum item 13 is to be completed by banks that have elected to account for assetsand liabilties under a fair value option.13. Net gains (losses) recognized in earnings on assets and liabilties 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-specificcredit risk.. ... ......... ..... ... ..... ......... ............. ....... .... ....... ........ ....... ......... ..... ,..... ....... ..... ......... ......

b. Net gains (losses) on liabilities ..........................,...........................................................................

(1) Estimated net gains (losses) on liabilities attributable to changes in instrument-specific credit risk........................................... ...................,... ..................................... ...... .......

INS'ERT Aq

, The $1 billion asset size test is generally based on the total assets reported in the June 30, 200~, Report of Condition.2 For example, a bank acquired on March 1, 2008, would report 20080301.

M.12.

M.13.a.

M.13.a.(1 )

M.13.b,

M.13.b.(1)

INSERT A - FFIEC 031

14. Other-than-temporary impairment losses on held-to-maturity andavailable-for-sale securities:a. Total other-than-temporary impairment losses

b. Portion of losses recognized in other comprehensive income(before income taxes) .......................................................................

c. Net impairment losses recognized in earnings (included in

Schedule RI; items 6.a and 6.b) .......................................................15. Interest expense on brokered time deposits (included in Schedule RI,

items 2.a.(1 )(b)(2) and (3)):a. Interest expense on fully insured brokered time deposits ....... .........b. Interest expense on other brokered time deposits ............... ...... ......

1.a.(1 )

1.a.(2)1.b.

1.c.(1 )

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

1.d.

1.e.(1 )

1.e.(2)1.f.

4663 2.a.4664 2.b.4665 3.

Schedule RI-A-Changes in BankIndicate decreases and losses in parentheses.

Dolla Amounts in Thousands

1. Total bank equity capital most recently reported for the December 31 ,200 ,Reports of Conditionand Income (Le., after adjustments from amended Reports of Income)............................................

2. Restatements due to corrections of material accounting errors and changes inaccunting principles. ............ .............. ..... .......... ................. ...... ... ....... ........... ..................... ......... .....

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).........................................,............................................................................................. B5096. Treasury stock transactions, net ........................................................................................................ B5107. Changes incident to business combinations, net.............................................................................. 43568. LESS: Cash dividends declared on preferred stock........................................................................... 44709. LESS: Cash dividends declared on common stock ................... ............................ ........... ................. 4460

10. Other comprehensive income1........................................................................................................... 851111. Other transactions with parent holding company. (not included in items 5, 6, 8, or 9 above) ........... 441512. Total bank equity capital end of current period (sum of items 3 through 11) (must equal

Schedule RC, item 27.a)..............................................,.....................................................................

. Descrbe on Schedule RI-E-Eplanations.1 Includes changes in net unrealized holding gains (loss) on available-far-sale securities, changes in accumulated net gains (losses) on cash

flow hedges, foreign currency translation adjustments, and pension and other postretirement plan-relate changes other than net periodicbenefit cot.

Schedule RI-B-Charge-offs and Recoveries on Loans and Leasesand Changes in Allowance for Loan and Lease Losses

Part i. Charge-offs and Recoveries on Loans and Leases

Part i Includes charge-off and recoveries through

the allocated transfer risk reserve.(Column B)Recoveries


1. Loans secured by real estate:a. Construction, land development, and other land loans in domestic

offces:(1) 1-4 family residential construction loans.......................................... C891(2) Other construction loans and all land development and other .........

land loans.. ...... ................. ............ ....................... ........ .... ........ ....... ... C893

b. Secured by farmland in domestic offces ...................................... ........... 358c. Secured by 1-4 family residential properties in domestic offces:

(1) Revolving, open-end loans secured by 1-4 family residentialproperties and extended under lines of credit..................... ............

(2) Closed-end loans secured by 1-4 family residential properties:(a) Secured by first liens .................................................................. C234(b) Secured by junior liens............................................................... C235

d. Secured by multifamily (5 or more) residential properties in domesticoffces .............................................................................................,.......

e. Secured by nonfarm nonresidential properties in domestic offces:

(1) Loans secured by owner-occupied nonfarm nonresidentialproperties.......................................................................................... C895

(2) Loans secured by other nonfarm nonresidential properties.............. C897f. In foreign offces ...................................................................................... B512

2. Loans to depository institutions and acceptances of other banks:a. To U.S. banks and other U.S. depository institutions............................... 4653b. To foreign banks ...................................................................................... 4654

3. Loans to finance agricultural production and other loans to farmers........... 4655

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

FFIEC 031

Page RI-4

o1.

2.3.4.

5.6.7.

8.9.

10.11.

12.

Schedule RI-B-Continued

Part I. Continued


4. Commercial and industnalloans:

a. To U.S. addressees (domicile)................................................................. 4645b. To non-U.S. addressees (domicile)..........................................................

5. Loans to individuals for household, family, and other personalexpenditures:a. Credit cards .................................................................................. ..........b. Other (includes single payment, installment, all student loans, and

revolving credit plans other than credit cards)........................................ B5166. Loans to foreign governments and offcial institutions ......................... ....... 46437. All other loans............................................................................................. 4648. Lease financing receivables:

a. Leases to individuals for household, family, and other personalexpenditures........................................................................................... F185

b. All other leases .................. ........ ........................ ..................................... C8809. Total (sum of items 1 through 8).................................................................. 4635

mm___mm___B51746274628

F187F1884605

Memoranda

(Column B)Recovenes


1. Loans to finance commercial real estate, construction, and landdevelopment activities (not secured by real estate) included inSchedule RI-B, part I, items 4 and 7, above ...............................................

2. Loans secured by real estate to non-U.S. addressees (domicile)

(included in Schedule RI-B, part I, item 1, above).......................................3. Not applicable

Memorandum item 4 is to be completed by banks that (1) together with affliated institutions,have outstanding credit card receivables (as defined in the instructions) that exceed $50 milion as ofthe report date or (2) are credit card specialty banks as defined for Uniform Bank PerformanceReport purposes.4. Uncollectible retail credit card fees and finance charges reversed against income

(Le., not included in charge-off against the allowance for loan and lease losses) ..........................

Calendar \lear-to-dateRIAD I Bil Mil I Thou

C388 I I

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

FFIEC 031

Page RI-5

o

4.a.4.b.

5.a.

5.b.6.7.

8.a.8.b.9.

M.1.

M.2.

M.4.

Schedule RI-B-Continued

Part II. Changes in Allowance for Loan and Lease Losses


1. Balance most recently reported for the December 31 , 200~, Reports of Conditionand Income (i.e., after adjustments from amended Reports of Income)............................................

2. Recovenes (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)..........................,.......................................................................................................... C0794. LESS: Wnte-downs arising from transfers of loans to a held-for-sale account. .......... ..................... 55235. Provision for loan and lease losses (must equal Schedule RI, item 4) .............................................. 42306. Adjustments* (see instrctions for this schedule) .............................................................................. C2337. 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) ..................................................................................................

. Describe on Schedule RI-E-Explanations.


1. Allocated transfer nsk reserve included in Schedule RI-B, part II, item 7, above ..............................Memorandum items 2 and 3 are to be completed by banks that (1) together with affliated institutions,have outstanding credit card receivabiès (as defined in the instructions) that exceed $500 millonas of the report date or (2) are credit card specialty banks as defined for Uniform Bank PerformanceReport purposes.2. Separate valuation allowance for uncollectible retail credit card fees and finance charges ..............3. Amount of allowance for loan and lease losses attnbutable to retail credit card fees and finance

charges .........................................................:...............................,.................................................... C390Memorandum Item 4 Is to be completed by all banks.4. Amount of allowance for post-acquisition losses on purchased impaired loans accounted for in

accordance with AICPA Statement of Position 03-3 (included in Schedule RI-B, part II, item 7,above) ..................................................,................................................,............................................ C781

Schedule RI-D-Income from Foreign Offices

For all banks with foreign offces (Including Edge or Agreement subsidiaries and IBFs) where foreign offcerevenues, assets, or net Income exceed 10 percent of consolidated total revenues, total assets, or net income.

Year-to-dateDollar Amounts in Thousands RIAD Bil Mil Thou

1. Total interest income in foreign offces .............................. ......... ......... .... ................. .......................... C899 1.2. Total interest expense in foreign offces ................ .......... ..... .......... .......... ..... ................................ ..... C900 2.3. Provision for loan and lease lòsses in foreign offces ........... ...... ....... ................................. ............... C901 3.4. Noninterest income in foreign offces:

a. Trading revenue ............................................................................................................................ C902 4.a.b. Investment banking, advisory, brokerage, and underwriting fees and commissions..................... C903 4.b.c. Net secuntization income .............................................................................................................. C904 4.c.d. Other non interest income...... ....... ....... ........ ............... ..... ......................... ...... ............ ................... C905 4.d.

5. Realized gains (losses) on held-to-matunty and available-for-sale securities in foreign offces ........ C906 5.6. Total noninterest expense in foreign offces .................. ...................................... ............................... C907 6.7. Adjustments to pretax income in foreign offces for internal allocations to foreign offces to reflect

the effects of equity capital on overall bank funding costs ................................................................. 7.

8. Applicable income taxes (on items 1 through 7) ................................................................................ 8.

9. Extraordinary items and other adjustments, net of income taxes, in foreign offces .......................... 9.

10. Net income attributable to foreign offces before internal allocations of income and expense

(item 1 plus or minus items 2 through 9)............................................................................................ C911 10.11. IR'arRBI B1I96Bli9R& 9f iR69R=9 BR(; 9XP9R&9 appli6a~19 lQ f9r9iSR 9ffi69& ~c:.n.~~hÚ..M~i................. .,ø /liiIiIU /1111~i' 44

12. Eliminations arising from the consolidation of foreign offices with domestic offces .......................... C913 12.13. Consolidated net income attributable to foreign offices (sum of items 10 lh 12) ...................... C914 13.

o.",cl

FFIEC031Page RI-8

~1.

2.

3.4.5.6.

7.

M.1.

M.2.

M.3.

MA.

Schedule RI-E-Explanations

FFIEC 031

Page RI-7

~Schedule RI-E Is to be completed each quarter on a calendar year-to-date basis.

Detail all adjustments in Schedule RI-A and RI-B, all extraordinary items and other adjustments in Schedule RI, and allsignifcant items of other noninterest income and other non interest expense in Schedule RI. (See instructions for details.)


1. Other noninterest income (from Schedule RI, item 5.1)Itemize and descnbe amounts greater than $25,000 that exceed 3% of Schedule RI, item 5.1:a. Income and fees from the pnnting 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 accunted for under a fair value option....

g'licard .nd crit card interc.nge - ................ ... ...... .................. .......... ..... .......................

h. ;:I. 442. TEXTJ. 44

2. Other noninterest expense (from Schedule RI, item 7.d)Itemize and describe amounts greater than $25,000 that exceed 3% of Schedule RI, item 7.d:a. Data processing expenses ........... ............... .................. ............................. ............... ..... ........ ......b. Advertsing and marketing expenses............................................................................................c. Directors' fees...............................................................................................................................d. Pnnting, 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 ...... ............................. ....................

~. lmun~.tions expns..............................................:......................................................m.~n. 4468

3. Extraordinary items and other adjustments and applicable income tax effect (from Schedule RI,item 11 itemize and descnbe all extraordinary items and other adjustments):a. (1) ~

(2) A Iicable income tax effect ........... ................................................... 4486b. (1) W

(2) A Iicable income tax effect............................................................. 4488TEXT

c. (1) 449

(2) Applicable income tax effect... ........ ...... ...... ...... ......... ........................ 4491

C013 1.a.C014 1.b.C016 1.c.4042 1.d.C015 1.e.F229 1.1.F555 1.g.4461 1.h.4462 1.i.4463 1.j.

CO 17 2.a.0497 2.b.4136 2.c,C018 2.d.8403 2.e.4141 2.1.4146 2.g.F556 2.h.F557 2.i.F558 2.j.F559 2.k.4464 2.1.4467 2.m.4468 2.n

3.a.(1 )

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

3.c.(2)

FSchedule RI-E-Continued


4. Restatements due to corrections of material accounting errors and changes in accountingprinciples (from Schedule RI-A, item 2) (itemize and describe all restatements):a. rrm.~~.i~I~.~I..~'.II~~~.~..~.~~.~.~.'.'."a..~~.~~~:.~~~.~.~'.~~:'...

b. TEXT

5. Other transactions with parent holding company (from Schedule RI-A, item 11)

(itemize and describe all such transactions):tia. ~b. 4499

6. Adjustments to allowance for loan and lease losses (from Schedule RI-B,

~tim 6) (~em~e and descrbe all adjustmnts):b. TEXT

7. Other explanations (the space below is provided for the bank to briefly describe, at itsoption, any other significant items affecting the Report of Income):

comments?...,.........................,........................................................................................................

Other explanations (please type or print clearly):(TXT 4769)

FFIEC031Page RI-8

~

4.a.4.b.

5.a.5.b.

6.a.6.b.

7.

Consolidated Report of Condition for Insured Commercialand State-Chartered Savings Banks for SopterTbor 30, 2009 H~rc.h 31, 20 10All 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

ASSETS1. Cash and balances due from depository institutions (from Schedule RC-A):

a. Noninterest-bearing balances and currency and coin1 .......................................................b. Interest-beanng balances2 .................... ......... ........................... ..... ...................... ......... ......

2. Secunties:

a. Held-to-matuntY securities (from Schedule RC-B, column A) .............................................b. Available-for-sale secunties (from Schedule RC-B, column D)...........................................

3. Federal funds sold and secunties purchased under agreements to resell:a. Federal funds sold in domestic offces ....................................................................... RCON B987b. Secunties purchased under agreements to resell3 .............. ...................................... RCFD B989

4. Loans and lease financing receivables (from Schedule RC-C): RCFDa. Loans and leases held for sale............................................................................................ 5369b. Loans and leases, net of unearned income ........ ................. B528c. LESS: Allowance for loan and lease losses ......................... 3123d. Loans and leases, net of unearned income and allowance (item 4,b minus 4.c)................ B529

5. Trading assets (from Schedule RC-D) ..................................................................................... 35456. Premises and fixed assets (including capitalized leases) ........................................................ 21457. Other real estate owned (from Schedule RC-M)...................................................................... 21508. Investments in unconsolidated subsidianes and associated companies................................. 21309. Direct and Indirect Investments In real estate ventures..................................................... 365610. Intangible assets:

a. Goodwil............................................................................................................................... 3163b. Other intangible assets (from Schedule RC-M)...................... ........................... .................. 0426

11. Other assets (from Schedule RC-F)...... ........................... ............ .................... ........... ....... ...... 216012. Total assets (sum of items 1 through 11) ...... ...... ........................................................ ............. 2170


1 Includes cash items in process of collecton and un posted debits.2 Includes time certificates of deposit not held for trding.

3 Includes all securities resale agreements in domestic and foreign offces, regardless of maturity.

FFIEC031Page RC-1

~

1.a.1.b.

2.a.2.b.

3.a.3.b.

4.a.4.b.4.c.4.d.5.6.7.8.9.

10.a.10.b.11.

12.

LIABILITIES

13. Deposits:

a. In domestic offces (sum of totals of columns A and C from Schedule RC-E

(1) Noninterest-bearing1............................................ RCON 6631(2) Interest-bearing ................ .......... .... ...................... RCON 6636

b. In foreign offces, Edge and Agreement subsidiaries, and IBFs(from Schedule RC-E, part II)..............................................................................................(1) Noninterest-bearing ............................................. RCFN 6631(2) Interest-bearing.................................................... RCFN 6636

14. Federal funds purchased and securities sold under agreements to repurchase:a. Federal funds purchased in domestic offces2 ....................... .................................... RCON 8993b. Securities sold under agreements to repurchase3 ...... ............................... ................ RCFD 8995

15. Trading liabilties (from Schedule RC-D)......................................................................... RCFD 354816. Other borrowed money (includes mortgage indebtedness and obligations under RCFD

capitalized leases) (from Schedule RC-M)............................................................................... 319017. and 18. Not applicable19. Subordinated notes and debentures4 .................. ......................................... .................... .......20. Other liabilties (from Schedule RC-G).....................................................................................21. Total liabilties (sum of items 13 through 20)............................................................................22. Not applicableEQUITY CAPITAL

Bank Equity Capital23. Perpetual preferred stock and related surplus .................................................................,....... 383824. Common stock ...................... .............. ...... ........... ............. .............................. ... ...... ...... .......,.. 323025. Surplus (exclude all surplus related to preferred stock)........................................................... 383926. a. Retained eamings ............................................................................................................... 3632

b. Accumulated other comprehensive incomeS ...................................... ............. ......... ........... B530c. Other equity capital components6......................................................................................... A130

27. a. Total bank equity capital (sum of Items 23 through 26.c) .........~.................................... 3210b. Noncontrollng (minority) Interests in consolidated subsidiaries................................ 3000

28. Total equity capital (sum of Items 27.a and 27.b)................................................................ G10529. Total liabilties and equity capital (sum of Items 21 and 28) ............ ............ ........ .............. 3300

Schedule RC-Continued

FFIEC 031

Page RC-2

~13.a13.a.(1)13.a.(2)

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

14.a.14.b.15.

16.

19.20.21.

23.24.25.26.a.26.b.26c.27.a.27.b.28.29.

MemorandaTo 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 themost comprehensive level of auditing work performed for the bank by independent externalauditors as of any date during æe .i.~.ÇJ.CJ.................................................................................................

1 = Independent audit of the bank conducted in accordance withgenerally accpted auditing standards by a certified public

accunting firm which submits a report on the bank

2 = Independent audit of the bank's parent holding company co-ducted in accrdance with generally accpted auditing standardsby a certifed public accunting firm which submits a report on the

consolidated holding company (but not on the bank separately)

3 = Attestation on bank management's assrton on the effectivenessof the bank's internal control over financial reportng by a certified

public accunting firm

M.1.

4 = Directors' examination of the bank conducted in accrdance withgenerally accpted auditing standards by a certfied public

accunting firm (may be required by state chartering authority)

5 = Directors' examination of the bank performed by other extemal

auditors (may be required by state chartering authority)

6 = Review of the bank's financial statements by extemal auditors7 = Compilation of the bank's financial statements by external

auditors8 = Other audit procedures (excluding tax preparation work)

9 = No extemal audit work

To be reported with the March Report of Condition.2. Bank's fiscal year-end date ...................................................................................................................... M.2.

1 Includes total demand deposits and noninterest-bearing time and savings deposits.2 Report overnìght Federal Home Loan Bank advances in Schedule RC, item 16, "Other borrowed money."3 Includes all securities repurchase agreements in domestic and foreign offces, regardless of maturity.4 Includes limited-life preferred stock and related surplus.5 Includes net unrealized holding gains (losses) on available-for-sale securities, accumulated net gains (losses) on cash flow hedges, cumulative foreign

currency translation adjustments, and minimum pension liabilty adjustments.6 Includes treasury stock and unearned Employee Stock Ownership Plan shares.

TSchedule RC-A-Cash and Balances Due From Depository Institutions

Exclude assets held for trading.


1. Cash items in process of collection, unposted debits, and currency andcoin............................................................................................................... 0022a. 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 (including their IBFs).......b. Other commercial banks in the U.S. and other depository institutions in

the U.S. (including their IBFs) ................................................................. 00853. Balances due from banks in foreign countries and foreign central banks....

a. Foreign branches of other U.S. banks..................................................... 0073b. Other banks in foreign countries and foreign central banks .................... 0074

4. Balances due from Federal Reserve Banks............ ..................................... 00905. Total (sum of items 1 through 4) (total of column A must equal

Schedule RC, sum of items 1.a and 1.b) ..................................................... 0010

Exclude assets held for trading.

Schedule RC-B-Securities

Held-to-maturi

(ColumnA)Amortized Cost

Dollar Amounts in Thousands RCFD

1. U.S. Treasury securities.. 0211

2. U.S. Government agencyobligations (excludemortgage-backedsecurities):a. Issued by U.S. Gov-

ernment agencies1 .....b. Issued by U.S.

Government-sponsored agencies2..

3. Securities issued bystates and politicalsubdivisions in the U.S....

FFIEC031Page RC.3

~

1.

1.a.1.b.2.2.a.

2.b.3.3.a.3.b.4.

5.

1.

2.a.

2.b.

3.

1 Includes Small Business Administrtion "Guaranteed Loan Pool Certificates," U.S. Maritime Administration obligations, and Export-Import Bank

participation certficates.

2 Includes obligations (other than mortgage-backed secunties) 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 LoanMarketing Assocation, and the Tennessee Valley Authority.

TSchedule RC-B-Continued

4. Mortgage-backedsecurities (MBS):a. Residential mortgag

pass-throughsecurities:(1) Guaranteed by

GNMA.................. G300

(2) Issued by FNMAand FHLMC.......... G304

(3) Other pass-

through securities. G308b. Other residential

mortgage-backedsecurities (IncludeCMOs, REMICs, andstripped MBS):(1) Issued or guar-

anteed by FNMA,FHLMC, or GNMA G312

(2) Collateralized by

MBS issued orguaranteed by

FNMA, FHLMC,or GNMA.............. G316

(3) All otherresidential MBS.... G320

c. Commercial MBS:(1) Commercial

mortgagepass-throughsecurities ..........

(2) Othercommercial MBS. G328

5. Asset-backed securitiesand structured financialproducts:a. Asset-backed

securities (ABS).......... C026b. Structured financial

products:(1) Cash .................... G336(2) Synthetic............. G340(3) Hybrid.................. G34

6. Other debt securities:a. Other domestic debt

securities................... .b. Foreign debt

securities.................. ..

FFIEC 031

Page RC-4

~

4.a.(1)

4.a.(2)

4.a.(3)

4.b.(1)

4.b.(2)

4.b.(3)

4.c.(1 )

4.c.(2)

5.a.

5.b.(1 )

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

6.a.

6.b.

AFFIEC031PageRC-

Schedule RC-B-Continued (!


7. Investments in mutualfunds and other equitysecurities with readilydeterminable fair values1 .

8. Total (sum of items 1

through 7) (total ofcolumn A must equal

Schedule RC, item 2.a)

(total of column D mustequal Schedule RC,item 2.b)..........................

Helclto-maturi

7.

8.

1 Report Federal Reserve stoc, Federal Home Loan Bank stoc, and bankers' bank stoc in Schedule RC-F, item 4.

Memoranda Dollar Amounts in Thousands

1. Pledged securities1 ............................................................................................................................2. Maturity and repricing data for debt securiies1, 2 (excluding those in nonaccrual status):

a. Securities issued by the U.S. Treasury, U.S. Government agencies, and states and politicalsubdivisions in the U.S.; other non-mortgage debt securiies; and mortgage pass-throughsecurities other than those backed by closed-end first lien 1-4 family residential mortgageswith a remaining maturi 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 residentialmortgages 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; excludemortgage pass-through securities) with an expected average life of: 6

(1) Three years or less .................................................................................................................(2) Over three years ..... ...... .........,.... .,...,... ........... ....... ........... ......... ........... ....... .................. ,........

M.1.

A549 M.2.a.(1)A550 M.2.a.(2)A551 M.2.a.(3)A552 M.2.a.(4)A55 M.2.a.(5)A55 M.2.a.(6)

A555 M.2.b.(1)A556 M.2.b.(2)A557 M.2.b.(3)A558 M.2.b.(4)A559 M.2.b.(5)A560 M.2.b.(6)

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

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 nonaccual debt securities in the categories of debt securities reported in

Memorandum item 2.a that are included in Schedule RC-N, item 9, column C, must equal Schedule RC-B, sum of items 1, 2, 3, 4.c.(1), 5, and6, columns A and D, plus residential mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residentialmortgages 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 nonaccual mortgage pass-through securities backed by closed-end first lien

1-4 family residential mortgages included in Schedule RC-N, item 9, column C, must equal Schedule RC-B, item 4.a, sum of columns Aand D, less the amount of residential mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residentialmortgages included in Schedule RC-B, item 4.a, columns A and D.

6 Sum of Memorandum items 2.c.(1) and 2.c.(2) plus any nonaccrual "Other mortgage-backed securities" included in Schedule RC-N, item 9,

column C, must equal Schedule RC-B, sum of items 4.b and 4.c.(2), columns A and D.

Schedule RC-B-ContinuedMemoranda-Continued

2. d. Debt securities with a REMAINING MATURITY of one year or less (included inMemorandum items 2.a through 2.c above)..................................................................................

3. Amortzed cost of held-to-maturi securities sold or transferred to available-for-sale or tradingsecurities 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 inSchedule RC-B, items 2, 3, 5, and 6):a. Amortized cost...............................................................................................................................b. Fair value.......................................................................................................................................

Held-to-maturi

(Column A) (Column B)Amortized Cost Fair Value

Dollar Amounts in Thousands RCFD Bil Mil Thou RCFD Bil Mil

Memorandum Items 5.athrough 5.fare to becomplete by banks with$1 billon or more Intotal assets.

1

5. Asset-backed securities(ABS) (for each column,sum of Memorandumitems 5.a through 5.fmust equal ScheduleRC-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 ..........................

6. Structured financialproducts by underlying

collateral or referenceassets (for each columnsum of MemorandumItems 6.a through 6.gmust equal ScheduleRC-B, sum of Items5.b.(1) through (3)):a. Trust preferred

securities Issued byfinancial Institutions.

b. Trust preferredsecurities Issuedby real estateInvestment trusts .....

c. Corporate andsimilar loans.............

e¡1 The $1 bilion asset size test is generally based on the total assts reported on the June 30, 200f. Report of Condition.

FFIEC031Page RC-6

~M.2.d.

M.3.

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

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

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

M.6.a.

M.6.b.

M.6.c.

Schedule RC-B-ContinuedMemoranda-ontinued

6. d. 1-4 family residential

MBS issued orguaranteed byU.S. Government.sponsoredenterprises (GSEs)... G360

e. 1-4 family residential

MBS not Issued orguaranteed by GSEs. G364

f. Diversified (mixed)

pools of structuredfinancial product ....

g. Other collateral orreference assets .. .....

FFIEC031Page RC-7

~

M.6.d.

M.6.e.

M.6.f.

M.6.g.

TSchedule RC-C-Loans and Lease Financing ReceivablesPart I. Loans and Leases

FFIEC031PageRC-8

§JDo 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 uneamedincome, and (3) loans and leases accounted for at fair value under a fair value option. Exclude assets held for trading and commercialpaper.


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 residentialproperties 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 propertes:

(1) Loans secured by owner-occupied nonfarm nonresidentialproperties........................................................................................ .

(2) Loans secured by other nonfarm nonresidential properties.............2. Loans to depository institutions and acceptances of other banks:

a. To commercial banks in the U.S.............................................................

(1) To U.S. branches and agencies of foreign banks ............................(2) To other commercial banks in the U.S. ............................................

b. To other depository institutions in the U.S. .............................................c. To banks in foreign countries................. .................................................

(1) To foreign branches of other U.S. banks..........................................(2) To other banks in foreign countries.... ..............................................

3. Loans to finance agricultural production and other loans to farmers .... ......4. Commercial and industrial loans:

a. To U.S. addressees (domicile) ...............................................................b. To non-U.S. addressees (domicile) ........................................................

5. Not applicable

6. Loans to individuals for household, family, and other personalexpenditures (Le., consumer loans) (includes purchased paper):a. Credit cards......... ......... .... ......... ................ .......... ......... ................. .........b. Other revolving credit plans........ .................. ........ .......... .................. ......c. Other consumer loans (includes single payment, installment, and all

student loans)..............................................................',..........................7. Loans to foreign governments and offcial institutions (including foreign

central banks)..............................................................................................8. Obligations (other than securities and leases) of states and political

subdivisions in the U.S................................................................................. Ot er oa .................. ..................................................................

a. Loans for purchasing or carrying securitiese consumer loans . ..................... ......... ....... ........

R~rl(l(~ \¡ìti IN'E~T B

1.

1.a.(1 )

1.a.(2)

1.b.

1.c.(1 )

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

1.e.(1 )

1.e.(2)

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

4.a.4.b.

6.a.6.b.

6.c.

7.

INSERT B - FFIEC 031

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) .....

Schedule RC-C-ContinuedPart I. Continued


10. Lease financing receivables (net of unearned income)...............................a. Leases to individuals for household, family, and other personal

expenditures (i.e., consumer leases) .....................................................b. All other leases.......................................................................................

11. LESS: Any unearned income on loans reflected in items 1-9 above .........12. Total loans and leases, net of unearned income (sum of items 1

through 10 minus item 11) (total of column A must equalSchedule RC, sum of items 4.a and 4.b) ....................................................

MemorandaDollar Amounts in Thousands RCON

1. Loans and leases restructured and in compliance with modified terms (included inSchedule RG-C, part i, and not reported as past due or nonaccrual in Schedule RC-N,Memorandum item 1):a. Loans secured by 1-4 family residential properties in domestic offces........................................b. Other loans and all leases (exclude loans to individuals for household, family, and other

personal expenditures)..................................................................................................................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 in domestic offces

(reported in Schedule RC-C, part i, item 1.c.(2)(a), column B) with a remaining maturity ornext repricing date of: 1,2 RCON(1) Three months or less .............................................................................................................. A56(2) Over three months through 12 months ................................................................................... A565(3) Over one year through three years......................................................................................... A56(4) Over three years through five years........................................................................................ A567(5) Over five years through 15 years............................................................................................ A56(6) Over 15 years ..... .... ........... ................ ....................................................................... .............. A569

b. All loans and leases (reported in Schedule RC-C, part i, items 1 through 10, column A)EXCLUDING closed-end loans secured by first liens on 1-4 family residential propertiesin domestic offces (reported in Schedule RC-C, part I, item 1.c.(2)(a), column B) with aremaining maturity or next repricing date of: 1,3

(1) Three months or less .............................................................................................................. A570(2) Over three months through 12 months ............................................................. ...................... A571(3) Over one year through three years......................................................................................... A572(4) Over three years through five years........................................................................................ A573(5) Over five years through 15 years............................................................................................ A574(6) Over 15 years ......................................................................................................................... A575

c. Loans and leases (reported in Schedule RC-C, part I, items 1 through 10, column A)with a REMAINING MATURITY of one year or less (excluding those in non accrual status) ........

3. Loans to finance commercial real estate, construction, and land development activities

(not secured by real estate) included in Schedule RC-C, part i, items 4 and 9, column A4............

~ l"". !~,f: ¡ ¡ -¥ .., ~ .. -, ", ' ~ ~'.t'.' ': .'-. " ,;:( '. .','\:'I! ~! , "i ",t',..l K ."~ t,,¡"1 ~'; ,~ , ~ 'I\! ~\'; .

1 Report fixed rate loans and leases by remaining maturity and floating rate loans by next repricing date.2 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

propertes in domestic offces induded in Schedule RC-N, item 1.c.(2)(a), column C. must equal total dosed-end loans secured byfirst liens on 1-4 family residential propertes from Schedule RC-C, part I, item 1.c.(2)(a), column B.

3 Sum of Memorandum items 2.b.(1) through 2.b.(6), plus total nonaccralloans and leases from Schedule RC-N, sum of items 1 through 8,

column C, minus nonaccrual closed-end loans secured by first liens on 1-4 family residential propertes in domestic offces induded inSchedule 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 through10, column A, minus total closed-end loans secured by first liens on 1-4 family residential properties in domestic offces from Schedule RC-C,part i, item 1.c.(2)(a), column B.

4 Exdude loans secured by real estate that are induded in Schedule RC-C, part i, item 1, column A.

FFIEC 031

Page RC-9

~

10.

10.a.10.b.11.

12.

M.1.a.

M.1.b.

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

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

M.2.c.

M.3.


Memoranda-Continued Dollar Amounts in Thousands RCON

4. Adjustable rate closed-end loans secured by first liens on 1-4 family residential properties indomestic offces (included in Schedule RG-C, part I, item 1.c.(2)(a), column B) .............................. 5370

5. Loans secured by real estate to non-U.S. addressees (domicile) (included in Schedule RC-C, RCFDpart I, item 1, column A) ..................................................................................................................... B837

Memorandum item 6 is to be completed by banks that (1) together with affliated institutions, haveoutstanding credit card receivables (as defined in the instructions) that exceed $500 millon as of thereport date or (2) are credit card specialt banks as defined for Uniform Bank Performance Reportpurposes.6. Outstanding credit card fees and finance charges included in Schedule RC-C, part i,

item 6.a, column A.......... ............................................................. ................. ......................................Memorandum item 7 is to be completed by all banks.7. Purchased impaired loans held for investment accounted for in accordance with AICPA

Statement of Position 03-3 (exclude loans held for sale):a. Outstanding balance. .... ................................................................................................................ C779b. Carrying amount included in Schedule RC-C, part I, items 1 through 9........................................ C780

8. Closed-end loans with negative amortization features secured by 1-4 family residentialproperties in domestic offces:a. Total carring amount of closed-end loans with negative amortization features secured

by 1-4 family residential properties (included in Schedule RG-C, part I, items 1.c.(2)(a)and (b)).............................................................................................................:............................

Memorandum items 8.b and 8.c are to be completed by banks that had closed-end loanswith negative amortization features secured by 1-4 family residential properties (as reportedin Schedule RC-C, part i, Memorandum item 8.a) as of December 31, 2008, that exceededthe lesser of $1 00 millon or 5 percent of total loans and leases, net of unearned income,in domestic offces (as reported in Schedule RC-C, part i, item 12, column B).b. Total maximum remaining amount of negative amortization contractually permitted on

closed-end loans secured by 1-4 family residential properties.....................................................c. Total amount of negative amortization on closed-end loans secured by 1-4 family

residential properties included in the carring amount reported in Memorandum item 8.aabove..............................................................................................................................................

9. Loans secured by 1-4 family residential properties in domestic offces in process offoreclosure (included in Schedule RC-C, part i, items 1.c.(1), 1.c.(2)(a), and 1.c.(2)(b))...................

Memorandum items 10 and 11 are to be completed by banks that haveelected to measure loans included in Schedule RC-C, part i, items 1through 9, at fair value under a fair value option.


10. Loans measured atfair value (included in Schedule RC-C, part i,items 1 through 9):a. Loans secured by real estate .......... ....... .......... ............ .................. ......... F608

(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 propertes:(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.... ........................... ............. ..............

FFIEC 031

Page RC-10

~M.4.

M.5.

M.6.

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

M.8.a.

M.8.b.

M.8.c.

M.9.

M.10.a.M,10.a.(1)

M.10.a.(2)

M.10.a.(3)(a)

M.10.a.(3)(b)(1M.10.a.(3)(b)(2


(Column B)DomesticOfcesBil Mil ThouDollar Amounts in Thousands RCFD

10. a. (4) Secured by multifamily (5 or more) residential properties................./(5) Secured by nonfarm nonresidential properties .................................

b. Commercial and industrial loans ............................................................. F585c. Loans to individuals for household, family, and other personal

expenditures (Le., consumer loans) (includes purchased paper):

(1) Credit cards............................,.......................................................... F586(2) Other revolving credit plans ..... ......................................................... F587(3) Other consumer loans (includes single payment, installment,

and all student loans)........................................................................ F588d. Other loans............................................................,................................. F589

11. Unpaid principal balance of loans measured at fair value (reportedin Schedule RG-C, part i, Memorandum item 10):a. Loans secured by real estate ........ ............................... ............ ............... F609


improvements) ..................................................................................


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 propertes.................(5) Secured by nonfarm nonresidential properties .................................

b. Commercial and industrial loans .............. ....................... ........................ F597c. Loans to individuals for household, family, and other personal


(1) Credit cards....................................................................................... F598(2) Other revolving credit plans ...... .......... ...................... ........................ F599(3) Other consumer loans (includes single payment, installment,

and all student loans)........................................................................ F600d. Other loans..............,............................................................................... F601

(Column A)Fair value of acquiredloans and leases at

acquisition date

(Column B)Gross contractual

amounts receivableat acquisition date

(Column C)Best estimate at

acquisition date ofcontractual cash

flows not expected tobe collected


12. Loans (not subject to the requirements ofAICPA Statement of Position 03-3) and leasesheld for investment that were acquired inbusiness combinations with acquisition datesin the current calendar year:a. Loans secured by real estate........................ G091b. Commercial and industrial loans.... ......... ..... G094c. Loans to individuals for household, family,

and other personal expenditures..... .............d. All other loans and all leases ........................

FFIEC031Page RC-11

§J

M.10.a.(4)M.10.a.(5)M.10.b.

M.10.c.(1)M.10.c.(2)

M.10.c.(3)M.10.d.

M.11.a.M.11.a.(1)

M.11.a.(2)

M.11.a.(3)(a)

M.11.a.(3)(b)(1M~ 11.a.(3)(b)(2

M.11.a.(4)M.11.a.(5)M.11.b.

M.11.c.(1)M.11.c.(2)

M.11.c.(3)M.11.d,

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

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


Memoranda-ContinuedDollar Amounts in Thousands RCON

Memoranda item 13 is to be completed by banks that had construction, land development, andother land loans in domestic offces (as reported in Schedule RC-C, part i, item 1.a., column B)that exceeded 100 percent of total risk-based capital (as reportd in Schedule RC-R, item 21)as of December 31, ~ 2.C'.

13. Construction, land development, and other land loans in domestic offces withInterest 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)............................. ........................................ ........................... G376b. Amount of Interest capitalized from Interest reserves on construction, land

development, and other land loans that Is Included In Interest and fee Income on loans RIADduring the quarter (Included In Schedule Rl,ltem 1.a.(1)(a)(2)).............................................. G377

Memorandum item 14 is to be complete by all banks. RCFD14. Pledged loans and leases.................................................................................................................. G378

INSE(tï C.

FFIEC031Page RC-12

~

M.13.a.

M.13.b.

M.14.

INSERT C - FFIEC 031

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 mortgages for which fee-paidreferrals were received during the year:(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) reversemortgages ..................................................................................

(2) Proprietary reverse mortgages ............. ............... ......................

Schedule RC-C-Continued

FFIEC 031

Page RC.12a

124al

Part II. Loans to Small Businesses and Small Farms

-Schedule R6 6, Pert II i~ le he .el38Fted sRIY witA tAs JWRS RspeFt 9f C9R"ili9R.

the raøå døJReport the number and amount currently outstanding as of ih:lRS ~g of business loans with "original amounts" of $1,000,000 or less andfarm loans with "original amounts" of $500,000 or less. The following guidelines should be used to determine the "original amount" of aloan: (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 creditor loan commitment when the line of credit or loan commitment was most recently approved, extended, or renewed prior to the reportdate. However, if the amount currently outtanding as of the report date exceeds this size, the "original amount" is the amount currentlyoutstanding on the report date. (2) For loan participations and syndications, the "original amount" of the loan participation or syndication isthe 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 atorigination or the amount currently outstanding as of the report date, whichever is larger.

Loans to Small Businesses1. Indicate in the appropriate box at the right whether all or substantially all of the dollar

volume of your bank's "Loans seured by nonfarm nonresidential properties. in domesticoffces repored in Schedule RC-C, part I, items 1.e(1) and 1.e.(2), column B, and all orsubstantially all of the dollar volume of your bank's "Commercial and industrial loans to U.S.addressees" in domestic offces reported in Schedule RC-C, part I, item 4.a, column B, haveoriginal amounts of $100,000 or less (If your bank has no loans outstanding in both of these ~two loan categories, place an "X" in the box marked "NO.") .............................................................. ~ 1.

If YES, complete items 2.a and 2.b below, skip items 3 and 4, and go to item 5.If NO and your bank has loans outstanding in either loan category, skip items 2.a and 2.b, complete items 3 and 4 below, and goto 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.

2. Report the total number of loans currently outstanding for each of the following Number of LoansSchedule RC-C, part i, loan categories: RCONa."Loans secured by nonfarm nonresidential properties" in domestic offces reported in

Schedule RC-C, part i, items 1.e.(1) and 1.e.(2), column B (Note: Sum of items 1.e.(1) and1.e.(2), column B, divided by the number of loans should NOT exceed $100,000.) ..................... 2.a.

b. "Commercial and industrial loans to U.S, addressees" in domestic offces repoed inSchedule RC-C, part I, item 4.a, column B (Note: Item 4.a, column B, divided by the number ofloans should NOT exceed $100,000.)........................................................................................... 2.b.


3. Number and amount currently outstanding of "Loans secured bynonfarm nonresidential properties. in domestic offces reported inSchedule RC-C, part i, items 1.e.(1) and 1.e.(2), column B (sum ofitems 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), column 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 $1,000,000.......

4. Number and amount currently outstanding of "Commercial and

industrial loans to U.S. addressees" in domestic offces reported inSchedule RC-C, part i, item 4.a, column B (sum of items 4.a through 4.cmust be less than or equal to Schedule RC-C, part i, item 4.a, column B):a. With original amounts of $100,000 or less ............................................. 5570b. With original amounts of more than $100,000 through $250,000.......... 5572c. With original amounts of more than $250,000 through $1,000,000....... 5574

(ColumnA)

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

5571

55735575

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

Schedule RC-C-Continued

FFIEC 031

Page RC-12b

124bl

Part II. Continued

Agricultural Loans to Small Farms5, 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 otherimprovements)" in domestic offces reported in Schedule RC-C. part I. item 1.b, column B.and all or substantially all of the dollar volume of your bank's "Loans to finance agriculturalproduction and other loans to farmers" in domestic offces reported in Schedule RC-C. part I.item 3, column B. have original amounts of $100.000 or less (If your bank has no loans ~outstanding in both of these two loan categories, place an "X" in the box marked "NO.") ................ ~ 5.

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

6. Report the total number of loans currently outstanding for each of the followingSchedule RC-C. part I. loan categories:a. "Loans secured by farmland (including farm residential and other improvements)" in domestic

offces reported in Schedule RC-C, part I. item 1.b. column B (Note: Item 1.b. column B,divided by the number of loans should NOT exceed $100,000.) ..................................................

b. "Loans to finance agricultural production and other loans to farmers" in domestic offcesreported in Schedule RC-C, part I. item 3, column B (Note: Item 3, column B. divided by thenumber of loans should NOT exceed $100.000.)..............................................,...........,...............

6.a.

6.b.


7. Number and amount currently outstanding of "Loans secured byfarmland (including farm residential and other improvements)" indomestic offces reported in Schedule RC-C. part I, item 1.b.column B (sum of items 7.a through 7.c must be less than or equal toSchedule RC-C. part I. item 1.b, column 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 financeagricultural production and other loans to farmers" in domestic offcesreported in Schedule RC-C. part I. item 3, column B (sum ofitems 8.a through 8.c must be less than or equal to Schedule RC-C,part I. item 3, column B):a. With original amounts of $100,000 or less............................................ 5584b. With original amounts of more than $100,000 through $250.000......... 5586c. With original amounts of more than $250.000 through $500,000....,.... 5588

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

(ColumnA)

5585

5587

5589

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

Schedule RC-D- Trading Assets and LiabilitiesSchedule RC-D Is to be completed by banks that reported average trading assets (Schedule RC-K, Item 7) of $2 million ormore In any of the four preceding calendar quarters.


ASSETS1. U.S. Treasury securities............................................................................... 35312. U.S. Government agency obligations (exclude mortgage-backed

securities)..................................................................................................... 35323. Securities issued by states and political subdivisions in the U.S. ................ 35334. Mortgage-backed securities (MBS):

a. Residential mortgage pass-through securities Issued orguarantee by FNMA, FHLMC, or GNMA ........... .............. ................... G379

b. Other residential MBS Issued or guaranteed by FNMA,FHLMC, or GNMA (Include CMOs, REMICs, and stripped MBS)....... G380

c. All other residential MBS...................................................................... G381d. Commercial MBS................................................................................... G382

5. Other debt securitiesa. Structured financial products:

(1) Cash ................................................................................................. G383(2) Synthetic.... ................... ...... .............. .................... .... ....................... G384(3) Hybrid............................................................................................... G385

b. All other debt securities ....................................................................... G3866. Loans:

a. Loans secured by real estate ............................................ .....................

(1) Construction, land development, and other land loans....................(2) Secured by farmland (including farm residential and other

improvements) ..................................................................................


residential properties and extended under lines of credit. .........

(b) Closed-end loans secured by 1-4 family residentialproperties:

(1) Secured by first liens............................................................(2) Secured by junior liens.........................................................

(4) Secured by multifamily (5 or more) residential propertes.................(5) Secured by nonfarm nonresidential properties ...... ............. ..............

b. Commercial and industrial loans ............................................................. F614c. Loans to individuals for household, family, and other personal


(1) Credit cards............................................................................. .......... F615

(2) Other revolving credit plans .............................................................. F616(3) Other consumer loans (includes single payment, installment,

and all student loans)........................................................................ F617d. Other loans ............................................................................................. F618

7.-8. Not applicable

9. Other trading assets..................................................................................... 354110. Not applicable

11. Derivatives with a positive fair value ............ .......... ............. ......... ...... .......... 354312. Total trading assets (sum of items 1 through 11) (total of column A must

equal Schedule RC, item 5) .........................................................................\

FFIEC031Page RC-13

~

1.

2.3.

4.a.

4.b.4.c.4.d.

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

6.a.6.a.(1)

6.a.(2)

6.a.(3)(a)

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

6.c.(1 )

6.c.(2)

6.c.(3)6.d.

9.

11.

12.

Schedule RC-D-Continued


LIABILITIES

13. a. Liabilty for short positions....................................................................... 3546b. Other trading liabilties............................................................................. F624

14. Denvatives with a negative fair value .......................................................... 354715. Total trading liabilties (sum of items 13.a through 14) (total of column A

must equal Schedule RC, item 15) .............................................................. 3548


1. Unpaid pnncipal balance of loans measured at fair value (reportedin Schedule RC-D, items 6.a through 6.d):a. Loans secured by real estate ................. ..... ............................................ F790


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 propertes.................(5) Secured by nonfarm nonresidential properties .... .............. ...............

b. Commercial and industrial loans ............................................................. F632c. Loans to individuals for household, family, and other persnal

expenditures (i.e., consumer loans) (includes purchased paper):(1) Credit cards....................................................................................... F633(2) Other revolving credit plans .......................... .................................... F634(3) Other consumer loans (includes single payment, installment,

and all student loans)........................................................................ F635d. Other loans.....................................................................,.,...................... F636

2. Loans measured at fair value that are past due 90 days or more:a. . Fair value ................,............................................................................. F639b. Unpaid pnncipal balance .......................... .................. ............................. F640

3. Structured financial product by underlying collateral or referenceassets (for each column, sum of Memorandum items 3.a through3.g must equal Schedule RC-D, sum of items 5.a.(1) through (3)):a. Trust preferred securities issued by financial institutions.. ............. G299b. Trust preferred securities issued by real estate Investment

trusts ..................................................................................................... G332c. Corporate and similar loans.... ..... ........... .......... ....... .......... .................. G333d. 1-4 family residential MBS issued or guaranteed by U.S.

government-sponsored enterprises (GSEs)....................................... G334e. 1-4 family residential MBS not issued or guaranteed by GSEs ....... G335f. Diversified (mixed) pools of structured financial products ....... ....... G651g. Other collateral or reference assets .................................................... G652

4. Pledged trading assets:a. Pledged securities................................................................................. G387b. Pledged loans..................................................................... ................... G388

T(ColumnA)

ConsolidatedBank

(Column B)DomesticOfces

FFIEC031Page RC.14

~

13.a.13.b.14.

15.

M.1.a.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.

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

M.1.c.(3)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.

AFSchedule RC-D-ContinuedMemoranda-Continued

Memorandum Items 5 through 10 are to be completed by banks that reported average trading assets

(Schedule RC-K, item 7) of $1 billon or more in any of the four preceding calendar quarters.


5. Asset-backed secunties: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 secuntizations (first-loss or equity tranches)....................................7. Equit secunties:

a. Readily determinable fair values ....................... ....................................................... .....................b. Other .............................................................................................................................................

8. Loans pending secuntization................................................... ................ ........................ ...................9. Other trading assets (itemize and descnbe amounts included in Schedule RC-D, item 9,

that are reater than $25,000 and exceed 25% of the item):a. iwb. ~~c. ~

10. Other trading liabilties (itemize and descnbe amounts included in Schedule RG-D,:~m~~b' that are greater than $25,000 and exceed 25% of the item):

b. F65.TE

C. F88

F643F64F645F646F647

F648F651

F658

F659F660

FFIEC 031

Page RC-15

~

M.5.a.M.5.b.M.5.c.M.5.d.M.5.e.M.5.f.M.6.

M.l.a.M.7.b.M.8.

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

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

FFIEC031Page RC-16

Schedule RC-E-Deposit LiabilitiesPart I. Deposits in Domestic Offces

~

(ColumnA)Total transaction

accounts (includingtotal demand

deposits)

(Column B).Memo: Total

demand deposits(included incolumnA)

RCON Bil

NontransactionAccunts

(Column C)Total

nontransactionaccounts

(including MMDAs)

Transaction Accunts


1.

2.3.

Deposits of:1. Individuals, partnerships, and corprations

(include all certifed and offcial checks)................. B5492. U.S. Government ................................................... 22023. States and political subdivisions in the U.S............ 22034. Commercial banks and other depository

institutions in the U.S. ............................................ B5515. Sanks in foreign countnes...................................... 22136. Foreign governments and offcial institutions

(including foreign central banks) ............................ 22167. Total (sum of items 1 through 6) (sum of

columns A and C must equal Schedule RC,item 13.a)............................................................... 2215

. ) Repl(Ht ""i'-i- 'tire-in! 1)Memoranda

4.5.

6.

7.

1. Selected components of total deposits (Le., sum of item 7, columns A and C):a. Total Individual Retirement Accunts (IRAs) and Keogh Plan accounts .......................................b. Total brokered deposits .............................. ...................................................................................c. u de sits (included in Memorandum item 1.b above):1

(1) Brokered deposits issued in e an $100,000..(2) Brokered deposits issued in d and ce ai

osit accounts....................................................................................................d. Matunty data for brokered deposits:

(1) Srokered deposits issued in denominations of less than $100,000 with a remaining maturityof one year or less (included in Memorandum item 1.c.(1) above)........................................

(2) Srokered deposits issued in denominations of $100,000 or more with a remaining matuntyof 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) ............... .................................... ............ .......2. Components of total nontransaction accunts (sum of Memorandum items 2.a through 2.c 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 de osits of less than $100,000.....................................................................................c. Total ime ore...... ............. .......... ................. ........ .................................

rl (1) ~ndividua~ RetirementAc~u;: (I~;~~~dor ~ore," above................................~.~~~~.~.~.~.~.

\- Rtpla.te \¡ith ItJ!fR. i £

1 Report bro e it accounts eligible for $250,000 in deposit insurance coverage in Memorandum item 1 enissued in denominations of less than $100, un s in Memorandum item 1.c.(2) if they havebeen issued either in denominations of exactl ater than $250,000 and participated out by thebroker' through exactly $250,000.

INSERT 0 - FFIEC 031

c. Fully insured brokered deposits (included in Memorandum item 1.babove):

1

(1) Brokered deposits of less than $100,000(2) Brokered deposits of $100;000 through $250,000 and

certain brokered retirement deposit accunts ................... .........

1 The dollar amounts used as the basis for reportng in Memoranda items 1.c.(1) and (2) reflect the deposit insurance

limits in effec on the report date.

INSERT E - FFIEC 031

c. Total time deposits of $100,000 through $250,000 ..........................d. Total time deposits of more than $250,000.......................................e. Individual Retirement Accunts (IRA) and Keogh Plan accunts

of $100;000 or more included in Memorandum items 2.c and2.d above ...........................................................................................

ASchedule RC-E-ContinuedPart I. Continued

Memoranda-Continued

3. Maturity and repricing data for time deposits of less than $100,000:a. Time deposits of less than $100,000 with a remaining maturity or next repricing date of: 1,2

(1) Three months or less .............................................................................................................. A579(2) Over three months through 12 months ................................................................................... A5(3) Over one year through three years ......................... ................................................................ A581(4) Over three years .............................. .......... ............................................... ..... ......................... A582

b. Time deposits of less than $100,000 with a REMAINING MATURITY of one year or less

(included in Memorandum items 3.a.(1) and 3.a.(2) above)3 ........................................................4. Maturity and repricing data for time deposits of $100,000 or more:

a. Time deposits of $100.000 or more with a remaining maturi or next repricing date of: 1,4

(1) Three months or less .............................................................................................................. A58(2) Over three months through 12 months ............................................................ ................... .... A585(3) Over one year through three years......................................................................................... A586(4) Over three years ..................................................................................................................... A587

b. Time deposits of $100.000 or more with a REMAINING MATURITY of one year or less

(included in Memorandum items 4.a.(1) and 4.a.(2) above)3 ........................................................

,. .rm___~ i . f '~ ' " \ i i.

FFIEC031Page RC-17

~

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

M.3.b.

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

M.4.b.

1 Report fixed rate time deposits by remaining maturity and floating rate time depoits by next repricing date.

2 Sum of Memorandum items 3.a.(1) through 3.a.(4) must equal Schedule RC-E, Memorndum item 2.b.3 Report both fixed and flating rate time depoits by remaining maturity. Exclude floating rate time deposits with a next repricing date of one year or lessthat have a remaining maturity of over one year. S l( WI 6f of

4 Sum of Memorandum items 4.a.(1) through 4.a.(4) must equal Schedule RC-E, Memorandum item 2.Gc ø.4 i. d.,. "

Part II. Deposits in Foreign Offces (including Edge andAgreement subsidiaries and IBFs)

Deposits of:1. Individuals, parterships, and corprations (include all certfied and offcial checks) ........................2. U.S. banks (including IBFs and foreign branches of U.S. banks) and other U.S. depository

institutions.............................................................................................,........................... ........,........3. Foreign banks (including U.S. branches and agencies of foreign banks, including their IBFs) .........4. Foreign governments and offcial institutions (including foreign central banks).................................5. U.S. Government and states and political subdivisions in the U.S. ...................................................6. Total (sum of items 1 through 5) (must equal Schedule RC, item 13.b).............................................

B554

26252650B555

2200

MemorandumDollar Amounts in Thousands RCFN

1. Time deposits with a remaining maturity of one year or less (included in Part II, item 6 above) ....... A245

1.

2.3.4.5.6.

M.1.

RSchedule RC-F-Other Assets

Dollar Amounts in Thousands RCFD Bil Mil Thou

1. Accrued interest receivable1 .............................................................................................................. B556

2. Net deferred tax assets2 .................................................................................................................... 2148--~~~3. Interest-only strips receivable (not in the form of a security) 3 on:

a. Mortgage loans................................................,............................................................................. A519b. Other financial assets.................................................................................................................... A520

4. Equity securities that DO NOT have readily determinable fair values4 .............................................. 17525. Life insurance assets......................................................................................................................... C0096. All other assets (itemize and describe amounts greater than $25,000 that exceed 25% of

this item).............................................................................................................................................a. Prepaid expenses................................................................................... 2166b. Repossessed personal propert (including vehicles)............................. 1578c. Derivatives with a positive fair value held for purpses other than

trading ....................................................................................................d. Retained interests in accrued interest receivable related to securitized

e ~C~~it cards.............................................................................................. 359

f. 1Wg. ~ 35517. Total (sum of items 1 through 6) (must equal Schedule RC, item 11)................................................ 2160

Schedule RC-G-Other Liabilities

Dollar Amounts in Thousands RCON

1. a. Interest accrued and unpaid on deposits in domestic offces 5.... ...... ..................... ............ ........... 3645b. Other expenses accrued and unpaid (includes accrued income taxes RCFD

payable)......................................................................................................................................... 36462. Net deferred tax liabilties2 ..... ....... .............. ............. ............. ...... ................ ............ ............ ....... ........ 30493. Allowance for credit losses on off-balance sheet credit exposures................................ .......... .......... B5574. All other liabilties (itemize and describe amounts greater than $25,000 that exceed 25% of this

item)...................................................................................................................................................a. Accounts payable... .............. .................... ..... ................... ............. .......... 3066b. Deferred compensation liabilties ............................................................ C011c. Dividends declared but not yet payable ............ .......... ................ ............ 2932d. Derivatives with a negative fair value held for purposes other than

tradina ..................................................................................................... C012e.~f 355f. 1m 3553g. ~ 35545. Total (sum of items 1 through 4) (must equal Schedule RC, item 20)................................................ 2930

1 Include accued interest receivable on loans, leases, debt securities, and other interest-bearing assets.2 See discussion of deferred income taxes in Glossary entr on "income taxes."3 Report interest-only strps 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.5 For savings banks, include "dividends" acced and unpaid on deposits.

FFIEC031Page RC-18

~1.

2.

3.a.3.b.4.5.

6.6.a.6.b.

6.c.

6.d.6.e6.1

6.g.7.

1.a.

1.b.2.3.

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

4.d.4.e.4.1.

4.g.5.

TSchedule RC-H-Selected Balance Sheet Items for Domestic Offices


1. and 2. Not applicable3. Securities purchased under agreements to reselL........... ................ ............. ............................... .....4. Securities sold under agreements to repurchase............ ................................. ........................ ..........5. Other borrowed money. ......... ......... ............................... ..... ... ... ......... ..... ..... ............... .......................

EITHER6. Net due from own foreign offces, Edge and Agreement subsidiaries, and IBFs .................... ...........

OR7. Net due to own foreign offces, Edge and Agreement subsidiaries, and IBFs ...................................8. Total assets (excludes net due from foreign offces, Edge and Agreement subsidiaries, and

IBFs) ..................................................................................................................................................9. Total liabilties (excludes net due to foreign offces, Edge and Agreement subsidiaries, and

IBFs) ..................................................................................................................................................

(ColumnA)Amortized Cost ofHeld-to-Maturity

Secuntles

(Column B)Fair Value of

Avallable-for-5aleSecurities


10. U.S. Treasury securities............................................................................... 021111. U.S. Government agency obligations (exclude mortgage-backed

securities)..................................................................................................... 849212. Securities issued by states and political subdivisions in the U.S. ................ 849613. Mortgage-backed securities (MBS):

a. Mortgage pass-through securities:

(1) Issued or guaranteed by FNMA, FHLMC, or GNMA......................... G389(2) Other mortgage pass-through securities............................... ...... ...... 1709

b. Other mortgage-backed securities (include CMOs, REMICs, andstripped MBS):

(1) Issued or guaranteed by FNMA, FHLMC, or GNMA......................... G393(2) All other mortgage-backed securities................................................ 1733

14. Other domestic debt securities (include domestic structured financialproducts and domestic asset-backed securities)................................... G397

15. Foreign debt securiies (include foreign structured financial productsand foreign asset-backed securities)....................................................... G399

16. Investments in mutual funds and other equity securities with readilydeterminable fair values....... ....... ........ ..... .............. .............. ........ .......... ......

17. Total held-to-maturlty and available-for-sale securities (sum ofitems 10 through 16).................................................................................. 1754

RCON

18. Equity securities that do not have readily determinable fair values ...... ............................ ................. 1752

Schedule RC-I-Assets and Liabilities of IBFsTo be completed only by banks with IBFs and other "foreign" offces.

Dollar Amounts in Thousands RCFN Bil Mil Thou

1. Total IBF assets of the consolidated bank (component of Schedule RC, item 12) ........................... 2133

2. Total IBF liabilties (component of Schedule RC, item 21) ................................................................ 2898

FFIEC031Page RC-19

~3.4.5.

6.

7.

8.

9.

10.

11.

12.

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

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

14.

15.

16.

17.

18.

1.

2.

RSchedule RC-K-Quarterly Averages1


ASSETS1. Interest-bearing balances due from depository institutions.......................................................2. U.S. Treasury securities and U,S. Government agency obligations2 (excluding mortgage-

backed securities) .....................................................................................................................3. Mortgage-backed securities2 . ... .... ......... ..................... ................................. ........... ..................4. All other securities2, 3 (includes securities issued by states and political subdivisions in

the U.S.) ...................................................................................................................................5. Federal funds sold and securities purchased under agreements to reselL.............................6. Loans:a. Loans in domestic offces: RCON

(1) Total loans...................................................... ................................................................(2) Loans secured by real estate:

(a) Loans secured by 1-4 family residential properties ................................................(b) All other loans secured by real estate .....................................................................

(3) Loans to finance agricultural production and other loans to farmers .............................(4) Commercial and industrial loans................................................ ....................................(5) Loans to individuals for household, family, and other personal expenditures:

(a) Credit cards ...................,..,...... ,.............. ............. ...... ...... ................... .....................(b) Other (includes single payment, installment, all student loans, and

revolving credit plans other than credit cards)......................................................... 8562b. Total loans in foreign offces, Edge and Agreement subsidiaries, and IBFs............... RCFN 3360

7. Trading assets.............................,.....................................................................,............. RCFD 34018. Lease financing receivables (net of unearned income)................................................... RCFD 34849. Total assets4 .............................,..................................................................................... RCFD 3368

LIABILITIES

10. Interest-bearing transaction accunts in domestic offces (NOW accounts, ATS accounts,and telephone and preauthorized transfer accounts) (exclude demand deposits) ...................

11. Nontransaction accounts in domestic offces:a. Savings deposits (includes MMDAs).................................................................................... B563b. Time deposits of $100,000 or more...................................................................................... A514c. Time deposits of less than $100,000......... ............................ ............................................... A529

12. Interest-bearing deposits in foreign offces, Edge and Agreement subsidiaries,and IBFs ........................................................................................................................ RCFN

13. Federal funds purchased and securities sold under agreements to repurchase ............. RCFD14. Other borrowed money (includes mortgage indebtedness and obligations under

capitalized leases)............................................................................................................ RCFD 3355

/NSER'T F

FFIEC031Page RC-20

~1.

2.3.

4.5.

6.a.(1 )

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

6.a.(5)(a)

6.a.(5)(b)6.b.7.

8.9.

10.

11.a11.b11.c.

12.13.

14.

1 For all items, banks have the option of reportng either (1) an average of DAILY figures for the quarter, or (2) an average of WEEKLY figures

(Le., the Wednesday of each week of the quarter).2 Quarterly averages for all debt securities should be based on amortzed cost.3 Quarterly averages for all equity securities should be based on historical cost.4 The quarterly average for total assets should reflect all debt securities (not held for trding) at amortized cot, 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 cot.

INSERT F - FFIEC 031

Memorandum Dollar Amounts in Thousands1. Not applicable.

2. Brokered time deposits:

a. Fully insured brokered time deposits .................. ..................... ...... ...b. Other brokered time deposits .... ....................................... .................

DRAFTSchedule RC-L-Derivatives and Off-Balance Sheet ItemsPlease read carefully the instructions for the preparation of Schedule Re-L. Some of the amountsreported in Schedule RC-L are regarded as volume indicators and not necessarily as measures of risk.

R~ lA.c~ wlH. /Ñ,rItT G- , Dollar Amounts in Thousands RCFD

sed commitments:a. Revo . n-end lines secured by 1-4 family residential properties, e.g., home equit

lines......................b. Credit card lines........ ............. ...........................................................................................c. (1) Commitments to fund commercia state, construction, and land develo oans

secured by real estate:

(a) 1-4 family residential constrction loan commitme(b) Commercial real estate, other construct , and land

development loan comitmen(2) Commitments to fund rcial real estte, construction, and land development loan

NOT-secure al estate ....................................................................................................d. Secu . . nderwriting .......... ........................................................................................................

er unuse commitments ...........................................................................................................2. Financial standby letters of credit........................,. .......................... ..... .............. ................................Item 2.8 Is to be complete by banks wIth $1 billion or more In total8ssets.1

a. Amount of financial standby letters of credit conveyed to others ........... 38203. Penormance standby letters of credit........................................................ ..... ...................................Item 3.8 Is to be completed by banks wIth $1 billion or more In total8ssets.1

a. Amount of penormance stndby letters of crdit conveyed to others .... 38224. Commercal and similar letters of credit.............................................................................................5. Not applicable

6. Securities lent (including customers' securities lent where the customer isindemnified against loss by the reporting bank).................................................................................

7. Credit derivatives:

a. Notional amounts:

(1) Credit default swaps .................................. C96(2) Total retum swaps...................................... C970(3) Credit options............................................. C972(4) Other credit derivatives.............................. C974

b. Gross fair values:

(1) Gross positive fair value............................. C219(2) Gross negative fair value ........................... C220

c. Notational amounts by regulatory capital treatment:z(1) Positions covered under the Market Risk Rule:

(a) Sold protection ................................................................................................................. G401(b) Purchased protection ...................................................................................................... G402

(2) All other positions:(a) Sold protection ............................................................. .................................................... G403(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..........................................................................................................................

'Tile $1 billOl assel size test is geiiel'l1) bl!sel! eii the tetelsssets felieReEl ifl the .h:il'l! 39, 2998, ReiieR ef GeflElitiefl.

2Sum 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.

FFIEC031Page RC-21

~

1.a.1.b.

1.c.(1)(a

1.c.(1)(b

2.a.3.

3.a.4.

6.

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

7.b.(1 )

7.b.(2)

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

7.c.(2)(a)

7.c.(2)(b)

7.c.(2)(c)

INSERT G - FFIEC 031

1. Unused commitments:a. Revolving; open-end lines secured by 1-4 family residential

properties, i.e., home equity lines ..... .............................. .......... ........Items 1.a.(1) and 1.a.(2) are to be completed for the Decemberreport only.

(1) Unused commitments for Home Equity Conversion Mortgage(HECM) reverse mortgages outstanding that are held forInvestment (included in item 1.a above) ........ ................ .............

(2) Unused commitments for proprietary reverse mortgagesoutstanding that are held for investment (included initem 1.a above) ....... ....... ........ .....................................................

b. Credit card lines ............... .......... ............. ....... ...... ...................... .......Items 1.b.(1) and 1.b.(2) are to be completed by banks witheither $300 milion or more In total assets or $300 milion ormore In creit card IInes.1 (Sum of items 1.b.(1) and 1.b.(2) mustequal item 1.b)(1) Unused consumer credit card lines ............. .............. ................(2) Other unused credit card lines ....................................................

c. Commitments to fund commercial real estate, construction, andland 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 underwiting ......................................................................e. Other unused commitments:

(1) Commercial and industrial loans ................................................ xx(2) Loans to financial institutions ...................................................... XX(3) All other unused commitments ................................................... XX

1 The asset size tests and the $300 milion credit card lines test are generally based on the total assets and credit

card lines reported in the June 30, 2009, Report of Condition.

Schedule RC-L-Continued


7. d. Notional amounts by remaining maturity:(1) Sold credit protectlon:1

(a) Investment grade ..... ................... .......(b) Sublnvestment grade.........................

(2) Purchased credit protectlon:2(a) Investment grade ...............................(b) Sublnvestment grade.........................

of:

(ColumnA)One Year or Less

(Column C)Over Five Years

8. Spot foreign exchange contracts......... ........................... ...... .... .......,.. ,. ..... .........................................9. All other off-balance sheet liabilties (exclude derivatives) (itemize and describe each component

of this item over 25% of Schedule RC, item 27.a, "Total bank equity capital" ...................................a. Securities borrowed................................................................................ 3432b. Commitments to purchase when-issued securities ...... ............. ............. 3434c. Standby letters of credit issued by a Federal Home Loan Bank on the

IJ~MW..........................................................................................:: 1Ëf. 357

10. All other off-balance sheet assets (exclude derivatives) (itemize anddescribe each component of this item over 25% of Schedule RC,item 27.a, "Total bank equity capital") .........................................................

:: litent to sell when-issed seuriie ....................................

c. ~~d. ~e TEXT. 55

11. Year-ta-date merchant credit card sales volume:a. Sales for which the reportng bank is the acquiring bank.... ..... ......... ............ .........................b. Sales for which the reportng bank is the agent bank with risk........ ............ ...........................

RCFD Tril Bil Mil Thou

. C223

. C224

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

FFIEC031Page RC-22

§J

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

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

8.

9.9.a.9.b.

9.c.9.d.9.e.9.f,

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

11.a.11.b.

DRAFT FFIEC031Page RC-23

~Schedule RC-L-Continued

(ColumnA) (Column B) (Column C) (Column D)Interest Rate Foreign Exchange Equity Derivative Commodity and

Dollar Amounts in Thousands Contracts Contrcts Contract Other Contracts

Derivatives Position Indicators

12. Gross amounts (e.g., notinalamounts) (for each column, sum ofitems 12.a through 12.e must equalsum of items 13 and 14): RCFD863 RCFD86

a. Futures contract............................. 12.a.

b. Forward contracts............................ 12.b.

c. Exchange-traded option contract:

(1) Wnten options .......................... 12.c.(1)

(2) Purchased options .................... 12.c.(2)

d. Over-the-counter option contract:

(1) Written options .......................... 12.d.(1)

(2) Purchased options .................... 12.d.(2)

e. Swaps.............................................. 12.e.

13. Total gross notional amount ofderivative contrct held for trading..... 13.

14. Total gross notional amount ofderivative contracts held for

purpses other than trading............ ..... 14.

a. Interest rate swaps where thebank has agreed to pay afixed rate.......................................... 14.a.

15. Gross fair values of derivativecontract:a. Contract held for trading:

(1) Gross positive fair value............ 15.a.(1)

(2) Gross negative fair value .......... 15.a.(2)

b. Contrcts held for purpses otherthan trading: RCFD 8741 RCFD 8742 RCFD8743

(1) Gross positive fair value............ 15.b.(1)

(2) Gross negative fair value .......... 15.b.(2)

Sche

dule

RC

-L-C

ontin

ued

AFT

Item

16

is to

be

com

plet

ed o

nly

by b

anks

with

tota

l ass

ets

of $

10 b

ilion

or

mor

e.'

Dol

lar

Am

ount

s in

Tho

usan

ds

16. O

ver-

the

coun

ter

deri

vativ

es:

N. IG418

a. e

t cur

rent

cre

dit e

xpos

ure

......

.....

......

......

.b.

Fai

r va

lue

of c

olla

tera

l:(1

) C

ash-

U.S

. dol

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......

......

......

......

......

.... G

423

(2)

Cas

h-ot

her

curr

enci

es...

......

......

......

... G

428

(3)

U.S

. Tre

asur

y se

curi

ties

......

......

. ....

......

. G43

3(4

) U

.S. G

over

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U.S

. Gov

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ent-

spon

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sec

uriti

es...

......

......

......

......

......

......

. G43

8

(5)

Cor

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onds

.....

......

......

......

......

......

. G44

3(6

) E

quity

sec

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es ..

......

.....

......

......

......

.....

G44

8(7

) A

ll ot

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......

......

......

......

... G

453

(8)

Tot

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16.b

.(1)

thro

ugh

(7))

......

......

......

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458

(Col

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)B

anks

and

Sec

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rms

(Col

umn

B)

Mon

olin

e F

inan

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Gua

rant

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RC

F01

I

(Column C)

Hed

ge F

unds

(Column D)

Sove

reig

nG

over

nmen

ts-.

RC

FO

q1

The

$10

bili

on a

sset

siz

e te

st is

gen

eral

ly b

ased

on

the

tota

l ass

ets

repo

rted

on

the

June

30;

20~

. Rep

ort o

f Con

ditio

n.

FFIEC 031

Pag

e R

C.2

4

~ 16.a

.

16.b

.(1)

16,b

,(2)

16.b

.(3)

16.b

.(4)

16.b

.(5)

16.b

.(6)

16.b

.(7)

16.b

.(8)

Schedule RC-M-Memoranda


1. Extensions of credit by the reporting bank to its executive offcers, directors, principalshareholders, and their related interests as of the report date:a. Aggregate amount of all extensions of credit to all executive offcers, directors, principal

shareholders, and their related interests ................ ....... ...................... .............................. ..... .......b. Number of executive offcers, directors, and principal shareholders to whom the amount of all

extensions of credit by the reporting bank (including extensions of credit torelated interests) equals or exceeds the lesser of $500,000 or 5 percentof total capital as defined for this purpse in agency regulations...................... 6165

2. Intangible assets other than goodwil:a. Mortgage servicing assets......... .................................................... ....... ................ .........................

(1 ) Estimated fair value of mortgage servicing assets ............................ A590b. Purchased credit card relationships and non mortgage 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 in domestic offces ..... ......................... ........ ......b. Farmland in domestic offces.........................................................................................................c. 1-4 family residential properties in domestic offces.....................................................................d. Multifamily (5 or more) residential properties in domestic offces..................................................e. Nonfarm nonresidential properties in domestic offces......................... .................. .......................f. Foreclosed propertes from "GNMA loans.....................................................................................

g. In foreign offces .................................................................................,..........................................

h. Total (sum of items 3.a through 3.g) (must equal Schedule RC, item 7) ...................................4. Not applicable

5. Other borrowed money:a. Federal Home Loan Bank advances:

(1) Advances with a remaining maturity or next repricing date of:1(a) One year or less.................................................................................................................(b) Over one year through three years ....................................................................................(c) Over three years through five years...................................................................................(d) Over five years...................................................................................................................

(2) Advances with a REMAINING MATURITY of one year or less (included in item 5.a.(1 )(a)above)2 ....................................................................................,..............................................

(3) Structured advances (included in items 5.a.(1)(a) - (d) above)..............................................b. Other borrowings:

(1) Other borrowings with a remaining maturity or next repricing date of:3(a) One year or less.................................................................................................................(b) Over one year through three years ....................................................................................(c) Over three years through five years...................................................................................(d) Over five years ...................................................................................................................

(2) Other borrowings with a REMAINING MATURITY of one year or less (included initem 5.b.(1 )(a) above)4 ............................................................................................................

c. Total (sum of items 5.a.(1 )(aHd) and items 5.b.(1 )(aHd)) (must equal Schedule RC,item 16) .......................,.................................................................................................................

FFIEC 031

Page RC-25

§J

1.a.

1.b.

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

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

3.g.

3.h.

5.a.(1 )(a)

5.a.(1 )(b)

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

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

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

5.b.(1 )(d)

5.b.(2)

5.c.

1 Report fixed rate advances by remaining matunty and floating rate advances by next repncing 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 matunty 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.

Schedule RC-M-Continued


6. Does the reporting bank sell private label or third-part mutual funds and annuities? .............. ........

7. Assets under the reporting bank's management in proprietary mutual funds and annuities..............8. Primary Internet Web site address of the bank (home page), if any

(Example: ww.examplebank.com)I ~ Ihttp://

FFIEC031Page RC-26

§J

6.

7.

8.

9. Do any of the bank's Internet Web sites have transactional capabilty, Le., allow the bank's ~customers to execute transactions on their accounts through the Web site? .................................... ~ 9.

10. Secured liabilties:a. Amount of "Federal funds purchased in domestic offces" that are secured (included in

Schedule RC, item 14.a) .........................................................................................,......,..............b. Amount of "Other borrwings" that are secured (included in Schedule RC-M,

items 5.b.(1 )(aHd)) ......................................................................................................................

11. Does the bank act as trustee or custodian for Individual Retirement Accounts, HealthSavings Accounts, and other similar accounts? ..........................................................................

12. Does the bank provide custody, safekeeping, or other services Involving the acceptance oforders for the sale or purchase of secuntles? ..............................................................................

10.a.

10.b.

11.

12.

Schedule RC-N-Past Due and Nonaccrual Loans, Leases, and Other Assets

(ColumnA)Past due

30 through 89days and stil

accruing

RCON Bil

(Column C)Nonaccrual

(Column B)Past due 90

days or moreand stilaccruing


1. Loans secured by real estate:a. Construction, land development, and other

land loans in domestic offces:(1) 1-4 family residential construction

loans ........................................................... F172

(2) Other construction loans and all landdevelopment and other land loans..............

b. Secured by farmland in domestic offces ..........c. Secured by 1-4 family residential

properties in domestic offces:

(1) Revolving, open-end loans secured by1-4 family residential properties andextended under lines of credit.................... 5398

(2) Closed-end loans secured by1-4 family residential properties:(a) Secured by first liens ............................ C236(b) Secured by junior liens ......................... C238

d. Secured by multifamily (5 or more) residentialproperties in domestic offces .......... ................. 3499

e. Secured by nonfarm nonresidentialproperties in domestic offces:(1) Loans secured by owner-occupied

nonfarm nonresidential properties..............

(2) Loans secured by other nonfarm

nonresidential properties.............. ........ ....... F179RCFN

f. In foreign offces .......... ...................................... B5722. Loans to depository institutions and acceptances

of other banks:a. To U.S. banks and other U.S. depository RCFD

institutions ............. ...... ................... .... ............... 5377b, To foreign banks.... ..... ......... ........ ...................... 5380

3. Loans to finance agricultural production andother loans to farmers ....... .....................................

4. Commercial and industrial loans:a. To U.S. addressees (domicile) ..........................b. To non-U.S. addressees (domicile) ...................

5. Loans to individuals for household, family, andother personal expenditures:a. Credit cards....................................................... B575b. Other (includes single payment, installment,

all student loans, and revolving credit plansother than credit cards) ..................................... 8578

6. Loans to foreign governments and offcialinstitutions..............................., ...............,..... .........

7. All other loans ........................................................

FFIEC 031

Page RC-27

~

1.a.(1 )

1.a.(2)1.b.

1.c.(1 )

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

1.d.

1.e.(1 )

1.e.(2)

1.f.

2.a.2.b.

3.

4.a.4.b.

5.a.

5.b.

6.7.

Schedule RC-N-Continued

FFIEC031Page RC-28

~Amounts reported in Schedule RC-N, items 1 through 8, include guaranteed and unguaranteed portions of past due and nonaccrualloansand leases. Report in item 10 below certain guaranteed loans and leases that have already been included in the amounts reported initems 1 through 8.

(ColumnA)Past due


accruingDollar Amounts in Thousands RCFD Bil

8. Lease financing receivables:a. Leases to individuals for household, family,

and other personal expenditures .....................b. All other leases ................................................

9. Debt securities and other assets (excludeother real estate owned and other repossessedassets) ..................................................................

10. Loans and leases reported in items 1 through 8above which are wholly or partially guaranteedby the U.S. Govemment.......................................a. Guaranteed portion of loans and leases

included in item 10 above (exclude rebooked"GNMA loans")............... ...................................

b. Rebooked "GNMA loans" that have beenrepurchased or are eligible for repurchaseincluded in item 10 above.................................

Memoranda



Mil


(ColumnA)Past due


accruing





1. Restructured loans and leases included inSchedule RC-N, items 1 through 8, above

(and not reported in Schedule RC-C, Part i,Memorandum item 1):a. Loans secured by 1-4 family residential

properties in domestic offces ........................... F661b. Other loans and all leases (exclude loans

to individuals for household, family, and RCFother personal expenditures) ............................ 1658

2. Loans to finance commercial real estate,construction, and land development activities

(not secured by real estate) included inSchedule RC-N, items 4 and 7, above................... 6558

3. Loans secured by real estate to non-U.S.addresses (domicile) (included inSchedule RC-N, item 1, above) ............................. 1248

4. Not applicable

8.a.8.b.

9.

10.

10.a.

10.b.

M.1.a.

M.1.b.

M.2.

M.3.

Schedule RC-N-Continued

Memoranda-Continued


(ColumnA)Past due


accruingDollar Amounts in Thousands RCFD Bil

5. Loans and leases held for sale and loansmeasured at fair value (included inSchedule RC-N, items 1 through 8, above):a. Loans and leases held for sale ......................... C240b. Loans measured at fair value:

(1) Fair value ................................................... F66(2) Unpaid principal balance........ ...... ............... F667

(Column B)Past due 90days or more

and stilaccruingBil

(ColumnA)Past due 30

through 89 daysDollar Amounts in Thousands RCFD

6. Derivative contracts:

Fair value of amounts carred as assets ................ 3529 M.6.RCFD Bil Mil Thou

C410C411

FFIEC031Page RC-29

§J

M.5.a.

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

7. Additions to nonaccrual assets during the quarter............................................................................. M.7.

8. Nonaccrual assets sold during the quarter......................................................................................... M.8.

Schedule RC-O-Other Data for Deposit Insurance and FICO AssessmentsAll banks must complete items 1 through 3, items 7 through 9, Memorandum item 1, and, if applicable, Memorandum items 2,3, and 4 each quarter. Each bank that reported $1 billion or more in total assets in its March 31, 2007, Report of Condition mustcomplete items 4 through 6 each quarter. In addition, each bank that reported $1 bilion or more in total assets in two con-secutive Reports of Condition beginning with its June 30, 2007, report must begin to complete items 4 through 6 each quarterstarting six months after the second consecutive quarter in which it reports total assets of $1 billon or more. Each bank thatbecomes insured by the FDIC on or after April 1 , 2007, must complete items 4 through 6 each quarter. Any other bank maychoose to complete items 4 through 6, but the bank must then continue to complete items 4 through 6 each quarter thereafter.

1. Total deposit liabilties before exclusions (gross) as defined in Section 3(1) of the FederalDeposit Insurance Act and FDIC regulations ................ .............................................................. ......

2. Total allowable exclusions, including interest accrued and unpaid on allowable exclusions

(including foreign deposits) ...............................,...............................................................................3. Total foreign deposits, including interest accrued and unpaid thereon (included in item 2

above)...............................................................................................................................................4. Total daily average of deposit liabilities before exclusions (gross) as defined in

Section 3(1) of the Federal Deposit Insurance Act and FDIC regulations..........................................5. Total daily average of allowable exclusions, including interest accrued and unpaid on

allowable exclusions (including foreign deposits) .............................................................................6. Total daily average of foreign deposits, including interest accrued and unpaid thereon

(included in item 5 above).............~...................................................................................................

1.

2.

3.

4.

5,

6.

Schedule RC-O-Continued


7. Unsecured "Other borrowings" with a remaining maturity of (sum of items 7.a through7.d must be less than or equal to Schedule RC-M; Items 5.b.(1)(aHd) minus item 10.b):a. One year or less .......................................................................................................................... G465b. Over one year through three years.. ..... .............. .................... .......... .................................. ....... G466c. Over three years through five years.......................................................................................... G467d. Over five years......... ..... .................................. ..... ...................................... ... ............ ................... G468

8. Subordinated notes and debentures with a remaining maturity of (sum of Items 8.a.through 8.d. must equal Schedule RC,ltem 19):a. One year or less .............................................. .......... ...... ........................... ................................. G469b. Over one year through three years... ....................... ...... .............................................. .............. G470c. Over three years through five years.......................................................................................... G471d. Over five years..........................................................................................................,.................. G472

RCON

9: Reciprocal brokered deposits (Included in Schedule RC-E, part I, Memorandum Item 1.b).... G803

FFIEC031Page RC-30

§J

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

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

9.

(2) Number of retirement deposit accounts of more than $250.000...... F048Memorandum item 2 is to be completed by banks with $1 billon or more in total assets.

2

2. Estimated amount of uninsured assessable deposits in domestic offces of the bank and ininsured branches in Puerto Rico and U.S. territories and possessions, including related interestaccrued and unpaid (see instructons)3.............................................................................................

3. Has the reporting institution been consolidated with a parent bank or savings associationin that parent bank's or parent savings association's Call Report or Thrift Financial Report?If so, report the legal title and FDIC Certifcate Number of the parent bank or parent savingsassociation: RCON

TEXTA54

Schedule RC-Q-Continued


1. Total assessable deposits in domestic offces of the bank and in insured branches in Puerto Ricoand U.S. terrtories and possessions, including related interest accrued and unpaid (sum ofMemorandum 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......(2) Number of deposit accounts (excluding retirement accounts) Number

of $250,000 or less (to be co",.,leteei fer the chu.. .".rt ...Iy) F050

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(2) Number of deposit accounts (excluding retirement accounts) Number

of more than $250,000 ... ...... ................................. ........ ................... F052c. Retirement deposit accounts of $250,000 or less:1

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

(to be completed for the June report only) ....................................... F046d. Retirement deposit accounts of more than $250,000:1

(1) Amount of retirement deposit accounts of more than $250,000............................................Number

Memorandum Items 4.a and 4.b are to be completed by all banks partcipating In theFDIC Transaction Account Guarantee Program.4. Noninterest-bearing transaction accounts (as defined in Part 370 of the FDIC's regulations) of

more than $250,000 (see instructions):a. Amount of noninterest-bearing transaction accounts of more than $250,000 (including balances

swept from non interest-bearing transaction accounts to non interest-bearing savings accounts). G167b. Number of noninterest-bearing transaction accounts of more Number

than $250,000.......................................................................................... G168

FFIEC 031

Page RC-31

§J

M.1.a.(1)

M.1.a.(2)

M.1.b.(1)

M.1.b.(2)

M.1.c.(1)

M.1.c.(2)

M.1.d.(1)

M.1.d.(2)

M.2.

M.3.

M.4.a.

M.4.b.

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 thereport date. ~2 The $1 bilion asset size test is generally based on the total assets reported on the June 30, 200#, Report of Condition.3 Uninsured assessable deposits should be estimated based on the deposit insurance limits set forth in Memorandum Items 1.a through 1.d

without taking into account a bank's participation in the FDIC;s Debt Guarantee Program or Transaction Account Guarantee Program.

Schedule RC-P-1-4 Family Residential MortgageBanking Activities in Domestic OffcesSchedule RC-P is to be completed by (1) all banks with $1 bilion or more in total assets' and (2) banks with less than $1 billonin total assets at which either 1-4 family residential mortgage loan originations and purchases for resale2 from all sources, loansales, or quarter-end loans held for sale in domestic offces exceed $10 million for two consecutive quarters.


1. Retail originations during the quarter of 1-4 family residential mortgageloans for sale2: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 loansfor sale2: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 at quarter-end (included inSchedule RC, item 4.a):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 familyresidential mortgage loans (included in Schedule RI, items 5.1, 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 thequarter.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........................... ............. ........ .................

91 The $1 billon asset size test is generally based on the total assets reported on the June 30, 200_. Report of Condition.2 Exclude originations and purchases of 1-4 family residential mortgage loans that are held for investment.

FFIEC 031

Page RC-32

~

1.a.1.b.

1.c.(1 )

1.c.(2)

2.a.2.b.

2.c.(1 )

2.c.(2)

3.a.3.b.

3.c.(1 )

3.c.(2)

4.a.4.b.

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

5.a.5.b.

6.a.6.b.

6.c.(1 )

6.c.(2)

DR

AFT

Sch

edul

e R

C-Q

-Ass

ets

and

Liab

ilitie

s M

easu

red

at F

air

Val

ue o

n a

Rec

urrin

g B

asis

Sche

dule

RC

.Q is

to b

e co

mpl

eted

by

bank

s th

at:

(1)

Had

tota

l ass

ets

of $

500

mili

on o

r m

ore

as o

f th

e be

ginn

ing

of th

eir

fisc

al y

ear;

or

(2)

Had

tota

l ass

ests

of l

ess

than

$50

0 m

ilion

as

of th

e be

ginn

ing

of th

eir

fisca

l yea

r an

d ei

ther

:(a

) H

ave

elec

ted

to r

epor

t fin

anci

al in

stru

men

ts o

r se

rvic

ing

asse

ts a

nd li

abilt

ies

at fa

ir va

lue

unde

r a

fair

valu

e op

tion

with

cha

nges

in fa

ir va

lue

reco

gniz

ed in

earn

ings

, or

(b)

Are

req

uire

d to

com

plet

e S

ched

ule

RC

-D, T

radi

ng A

sset

s an

d Li

abilt

ies.

Dol

lar

Am

ount

s in

Tho

usan

ds

ASS

ET

S1.

Ava

ilabl

e-fo

r-sa

le s

ecur

ities

.....

......

......

......

.....1

1773

2. F

eder

al fu

nds

sold

and

sec

uriti

es p

urch

ased

und.

. agr

emen

ts to

..,..

......

......

......

......

1 G

47e

3. L

oans

and

leas

es h

eld

for

sale

.....

......

......

......

......

.. G

483

4. L

oans

and

leas

es h

eld

for

inve

sbne

nts

......

.... G

488

5. T

radi

ng a

sset

s:a.

Der

ivat

ive

asse

ts...

.....

......

.....

......

......

. ....

......

1354

3b.

Oth

er tr

adin

g as

sets

.....

......

......

......

......

......

. G49

7

(1)

Non

trad

ing

secu

ritie

s at

fai

r va

lue

with

cha

nges

in fa

ir va

lue

repo

rted

incu

rren

t ear

ning

s (in

clud

ed in

S . b IF240

ched

ule

RC

-Q; i

tem

5. a

bove

)....

......

.6.

All

othe

r as

sets

.....

. ....

......

.....

......

......

......

......

.... G

391

7. T

otal

ass

ets

mea

sure

d at

fair

valu

e on

are

curr

ing

basi

s (s

um b

f ite

ms

1 th

roug

h5.

b pl

us it

em 6

).. .

......

......

......

......

......

......

......

.....1

G50

2

LIA

BIL

ITIE

S8.

Dep

osits

......

.,.,..

......

......

......

......

......

......

......

......

.9.

Fed

eral

fund

s pu

rcha

sed

and

secu

ritie

s so

ldh IG507

unde

r ag

reem

ents

to r

epur

c as

e....

......

......

.....

10. T

radi

ng li

abilt

ies:

a. D

eriv

ativ

e lia

bilti

es...

......

......

......

......

......

.....

3547

b. O

ther

trad

ing

liabi

lties

.....

......

......

......

......

... G

516

11. O

ther

bor

row

ed m

oney

......

.....

......

.. ...

.... .

......

.... G

521

12. S

ubor

dina

ted

note

s an

d de

bent

ures

......

......

... G

526

13. A

ll ot

her

liabi

lties

.....

......

......

......

.... .

......

......

.....

G80

514. Total

liabi

lties

mea

sure

d at

fai

r va

lue

on a

recurring basis (sum of items 8 through 13).. 1 G531

(Col

umnA

)T

otal

Fai

r V

alue

Rep

orte

d on

Sch

edul

e R

C

(Col

umn

B)

LES

S: A

mou

nts

Net

ted

in th

e D

eter

min

atio

nof

T

otal

Fai

r V

alue

RCFDI - I ,_

(Column C)

Lev

el

1 F

air

Val

ueM

easu

rem

ents

(Column D)

Lev

el 2

Fai

r V

alue

Mea

sure

men

ts

(Col

umn

E)

Lev

el 3

Fai

r V

alue

Mea

sure

men

ts

G51

2G

517

G52

2

G52

7

G80

6

G51

3G

518

G52

3

G52

8

G80

7

G51

4

G51

9

G52

4

G52

9

G80

8

G51

5G

520

G52

5

G53

0

G80

9

FFIEC 031

Pag

e R

C-3

3

~ 1. 2. 3. 4. 5.a.

5.b.

5.b.

(1)

6. 7. 8. 9. 10.a

.10

.b.

11.

12.

13.

14.

F689

F697

F262

F263

M.2

.a.

G56

7G

56G

569

G57

0M

.2.b

.G

572

G57

3G

574

G57

5M

.2.c

.G

577

G57

8G

579

G58

M.2

.d.

G58

2G

58G

58G

585

M.2

.e.

G58

7G

58G

589

G59

0M

.2.f

.

Sche

dule

RC

-Q-C

ontin

ued

(Col

umnA

)T

otal

Fai

r V

alue

Rep

orte

d on

Sch

edul

e R

C

(Col

umn

B)

LES

S: A

mou

nts

Net

ted

in th

e D

etem

iinat

ion

of Total Fair

Val

ue

RC

FDI

Bil

I .-

- I

(Column C)

Lev

el

1 F

air

Val

ueM

easu

rem

ents

(Column D)

Lev

el 2

Fai

r V

alue

Mea

sure

men

ts

(Col

umn

E)

Lev

el 3

Fai

r V

alue

Mea

sure

men

ts

Dol

lar

Am

ount

s in

Tho

usan

ds

Mem

oran

da1.

All

othe

r as

sets

(ite

miz

e an

d de

scrib

eam

ount

s in

clud

ed in

Sch

edul

e R

C-Q

; ite

m 6

,th

at a

re g

reat

er th

an $

25;0

00 a

nd e

xcee

d25

% o

f ite

m 6

):a.

Mor

tgag

e se

rvic

ing

asse

ts ..

......

......

......

......

G53

6b.

din

g de

riva

tive

asse

ts ..

......

......

......

.. G

541

c. æ¡ G546

d. æi G551

e. g'lsr G556

f. g~i G561

2. A

ll ot

her

liabi

lties

(ite

miz

e an

d de

scri

beam

ount

s in

clud

ed in

Sch

edul

e R

C-Q

,ite

m 1

3, th

at a

re g

reat

er th

an $

25;0

00 a

ndex

ceed

25%

of i

tem

13)

:a.

Loa

n co

mm

itmen

ts (

not a

ccou

nted

for

as d

eriv

ativ

es)

......

......

......

......

......

......

......

.... ~

b. ~

radi

ng d

eriv

ativ

e lia

bilti

es ..

.... .

......

.....

~c. g~ G571

d. ~¡ G576

e. g~i G581

f. iisJ G586

FFIEC 031

Pag

e R

C-3

4

~ M.1

.a.

M.1

.b.

M.1

.c.

M.1

.d.

M.1

.e.

M.1

.f.

Schedule RC-R-Regulatory CaPiD

Tier 1 capital1. Total bank equity capital (from Schedule RC, item 27.a) ................................................................... 32102. LESS: Net unrealized gains (losses) on available-for-sale securities1 (if a gain, report as a

positive value; if a loss, report as a negative value)........................................................................... 84343. LESS: Net unrealized loss on available-for-sale EQUITY securities1 (report loss as a positive

value) ................................................................................................................................................. A2214. LESS: Accumulated net gains (losses) on cash flow hedges1 (if a gain, report as a positive value;

if a loss, report as a negative value) .............................. ......................................... ........................... 43365. LESS: Nonqualifying perpetual preferred stock ............................................ ...... ............................... B5886. Qualifing noncontrollng (minoiity) interests in consolidated subsidiaries ................................. ....... 85897. a. LESS: Disallowed goodwil and other disallowed intangible assets .... ................ .......... ................ 8590

b. LESS: Cumulative change in fair value of all financial liabilties accounted for under a fair valueoption that is included in retained earnings and is attributable to changes in the bank's owncreditworthiness (if a net gain, report as a positive value; if a net loss, report as a negativevalue)............................................................................................................................................. F264

8. Subtotal (sum of items 1 and 6, less items 2,3,4,5, 7.a, and 7.b) ................................................... C2279. a. LESS: Disallowed servicing assets and purchased' credit card relationships................................ 8591

b. LESS: Disallowed deferred tax assets........................................................................................... 561010. Other additions to (deductions from) Tier 1 capital............................................................................ 859211.Tier 1 capital (sum of items 8 and 10, less items 9.a and 9.b) ............................................................ 8274

Tier 2 capital12. Qualifing subordinated debt and redeemable preferred stock ................... ................... ......... ..........13. Cumulative perpetual preferred stock includible in Tier 2 capital......................................................14. Allowance for loan and lease losses includible in Tier 2 capitaL.....................................................15. Unrealized gains on available-for-sale equity securities includible in Tier 2 capital........... ...............16. Other Tier 2 capital components .......................................................................................................17. Tier 2 capital (sum of items 12 through 16).......................................................................................18. Allowable Tier 2 capital (lesser of item 11 or 17)............................. ............................. .............. .......

5306859353102221

B594

5311

8275

19. Tier 3 capital allocated for market risk ............................................................................................... 139520. LESS: Deductons for total risk-based capital................................................................................... 859521. Total risk-based capital (sum of items 11,18, and 19, less item 20).................................................. 3792

Total assets for leverage ratio22. Average total assets (from Schedule RC-K, item 9) ............................................... .................23. LESS: Disallowed goodwil and other disallowed intangible assets (from item 7.a above) .....24. LESS: Disallowed servicing assets and purchased credit card relationships (from

item 9.a above) ........................................................................................................................25. LESS: Disallowed deferred tax assets (from item 9.b above)..................................................26. LESS: Other deductions from assets for leverage capital purpses........................................27. Average total assets for leverage capital purposes (item 22 less items 23 through 26) ..........

RCFD Tnl

33688590

Mil ThouBil

8591

56108596A224

RCFD Bil Mil Thou

C228B503

B504

8505

Adjustments for financial subsidiaries28. a. Adjustment to Tier 1 capital reported in item 11 ............................................................................

b. Adjustment to total risk-based capital reported in item 21.............................................................29. Adjustment to risk-weighted assets reported in item 62................. ................ ............................ ........30. Adjustment to average total assets reported in item 27.............. .......... ....................... ................ ......

Capital ratios(Column B is to be completed by all banks. Column A is to be completed bybanks with financial subsidiaries.)31. Tier 1 leverage rati02...................................................................................32. Tier 1 risk-based capital rati03.....................................................................33. Total risk-based capital rati04 ... ............ ................................... ....................

(ColumnA) (Column B)RCFD Percentage RCFD Percentage

7273 - _.-- 7204 - _.- -7274 -.- - 7206 - _. -7275 -.-- 7205 - -. -

1 Report amount included in Schedule RC. item 26.b, "Accumulated other comprehensive income."2 The ratio for column B is item 11 divided by item 27. The ratio for column A is item 11 minus item 28.a divided by (item 27 minus item 30).3 The ratio for column B is item 11 divided by item 62. The ratio for column A is item 11 minus item 28.a divided by (item 62 minus item 29).4 The ratio for column B is item 21 divided by item 62. The ratio for column A is item 21 minus item 28.b divided by (item 62 minus item 29).

FFIEC 031

Page RC-35

~1.

2.

3.

4.5.6.7.a.

7.b.8.9.a.9.b.

10.11.

12.13.14.15.16.17.18.

19.20.21.

22.23.

24.25.26.27.

28.a.28.b.29.30.

31.32.33.

Sche

dule

RC

-R-C

ontin

ued

TFFIEC 031

Pag

e R

C-3

6

~B

anks

are

not

req

uire

d to

ris

k-w

eigh

t eac

h on

-bal

ance

she

et a

sset

and

the

cred

it eq

uiva

lent

am

ount

of e

ach

off-

bala

nce

shee

t ite

m th

at q

ualif

ies

for

a ris

k w

eigh

t of l

ess

than

100

perc

ent (

50 p

erce

nt fo

r de

rivat

ives

) at

its

low

er r

isk

wei

ght.

Whe

n co

mpl

etin

g ite

ms

34 th

roug

h 54

of S

ched

ule

RC

-R, e

ach

bank

sho

uld

deci

de fo

r its

elf h

ow d

etai

led

a ris

k-w

eigh

t ana

lysi

s it

wis

hes

to p

enor

m. I

n ot

her

wor

ds, a

ban

k ca

n ch

oose

from

am

ong

its a

sset

s an

d of

f-ba

lanc

e sh

eet i

tem

s th

at h

ave

a ris

k w

eigh

t of l

ess

than

100

per

cent

whi

ch o

nes

to r

isk-

wei

ght a

t an

appr

opria

te lo

wer

ris

k w

eigh

t. or

it c

an s

impl

y ris

k-w

eigh

t som

e or

all

of th

ese

item

s at

a 1

00 p

erce

nt r

isk

wei

ght (

50 p

erce

nt fo

r de

rivat

ives

).

Dol

lar

Am

ount

s in

Tho

usan

ds

Balance Sheet Asset Categories

34. C

ash

and

bala

nces

due

from

dep

osito

ry in

stitu

tions

(Col

umn

A e

qual

s th

e su

m o

f Sch

edul

e R

C,

item

s 1.

a an

d 1.

b) ..

......

......

......

......

......

......

......

......

..

35. H

eld-

ta-m

atur

ity s

ecur

ities

.. ...

......

.... .

......

......

......

. ....

36. A

vaila

ble-

for-

sale

sec

uriti

es ..

......

......

......

......

......

.....

37. F

eder

al f

unds

sol

d an

d se

curi

ties

purc

hase

d un

der

agre

emen

ts to

res

ell.

......

......

... ..

......

......

......

......

......

.

38. L

oans

and

leas

es h

eld

for

sale

.....

.... .

.... .

......

......

.....

39. L

oans

and

leas

es, n

et o

f une

arne

d in

com

e ...

......

....

40. LESS: Allowance for loan

and

leas

e lo

sses

.....

......

..

41. T

radi

ng a

sset

s....

......

......

......

......

......

......

......

......

......

42. A

ll ot

her

asse

ts1

......

......

......

......

......

......

......

......

......

.

43. T

otal

ass

ets

(sum

of i

tem

s 34

thro

ugh

42)

......

......

...

(Col

umnA

)T

otal

s(f

rom

Sch

edul

e R

C)

(Col

umn

B)

Item

s N

otSu

bjec

t to

Ris

k-W

eigh

ting

1 In

clud

es p

rem

ises

and

fixe

d as

sets

, oth

er r

eal e

stat

e ow

ned,

inve

stm

nts

in u

ncon

solid

ated

sub

sidi

arie

s an

d as

soat

ed c

ompa

nies

, int

angi

ble

asse

ts, a

nd o

ther

ass

ets.

34.

35.

36.

37.

38.

39.

40.

41.

42.

43.

Sche

dule

RC

-R-C

ontin

ued

FT(C

olum

nA)

Face Value

or N

otio

nal

Am

ount

(Col

umn

B)

Cre

dit

Equ

ival

ent

Am

ount

1

Cre

dit

Con

vers

ion

Fact

or

Dol

lar

Am

ount

s in

Tho

usan

ds

Der

ivat

ives

and

Off.

Bal

ance

She

et It

ems

44. F

inan

cial

sta

ndby

lette

rs o

f cr

edit.

......

45. P

erfo

rman

ce s

tand

by le

tters

of

cred

it ...

......

......

......

......

......

......

......

......

.46

. Com

mer

cial

and

sim

ilar

lette

rs o

fcr

edit

......

......

......

......

......

......

......

......

....

47. R

isk

part

icip

atio

ns in

ban

kers

acce

ptan

ces

acqu

ired

by th

ere

port

ing

inst

itutio

n....

......

......

......

......

...

48. S

ecur

ities

lent

......

......

......

......

......

......

.49

. Ret

aine

d re

cour

se o

n sm

all b

usin

ess

oblig

atio

ns s

old

with

rec

ours

e ...

......

.....

50. R

ecou

rse

and

dire

ct c

redi

t sub

stitu

tes

(oth

er th

an fi

nanc

ial s

tand

by le

tters

of

cred

it) s

ubje

ct to

the

low

-leve

l exp

osur

,ru

le a

nd r

esid

ual i

nter

ests

sub

ject

to a

dolla

r-fo

r-do

llar

capi

tal r

equi

rem

ent .

....

51. A

ll ot

her

finan

cial

ass

ets

sold

with

reco

urse

.....

......

......

......

......

......

......

......

52. A

ll ot

her

off-

bala

nce

shee

tlia

bilit

ies.

... ..

. ....

.....

.....

.. ,..

.....

.,. ..

... ..

......

.

53. U

nuse

d co

mm

itmen

ts:

a. W

ith a

n or

igin

al m

atur

ityex

ceed

ing

one

year

.. ...

.. ...

......

......

..b.

With

an

orig

inal

mat

urity

of o

neyear or less to asset.

back

edco

mm

erci

al p

aper

con

duits

......

....

54. D

eriv

ativ

e co

ntra

cts.

......

......

. ....

......

......

1 C

olum

n A

mul

tiplie

d by

cre

dit c

onve

rsio

n fa

ctor

.2

For

fina

ncia

l sta

ndby

lette

rs o

f cre

dit t

o w

hich

the

low

-leve

l exp

oure

rul

e ap

plie

s, u

se a

cre

dit c

onve

rsio

n fa

ctor

of 1

2.5

or

an in

stitu

tion-

spec

ific

fact

or. F

or o

ther

fina

ncia

l sta

ndby

lette

rs o

f cre

dit,

use

a cr

edit

conv

ersi

on fa

ctor

of 1

.00.

See

inst

ruc-

tions

for

furt

her

info

rmat

ion.

3 O

r in

stitu

tion-

spec

ific

fac

tor.

FFIEC 031

Page RC-37

~

44.

45.

46.

47.

48.

49.

50.

51.

52.

53.a

.

53.b

.

54.

Sche

dule

RC

-R-C

ontin

ued

Dol

lar

Am

ount

s in

Tho

usan

ds

Tot

als

55. T

otal

ass

ets,

der

ivat

ives

, and

off-

bala

nce

shee

t ite

ms

by r

isk-

wei

ght c

ateg

ory

(for

eac

h co

lum

n, s

um o

f ite

ms

43 th

roug

h 54

)....

......

......

......

......

......

......

......

......

......

......

......

.....

56. R

isk-

wei

ght f

acto

r. ..

... ..

... ..

.... ,

......

....

......

.....

......

... ..

......

.. ...

......

.... .

......

.....

....

......

......

......

......

.....

....

57. R

isk-

wei

ghte

d as

sets

by

risk

wei

ght c

ateg

ory

(for

eac

h co

lum

n, it

em 5

5 m

ultip

lied

byite

m 5

6) ..

......

......

......

......

......

......

......

......

......

......

......

......

......

......

......

......

......

......

......

......

......

......

.

58. M

arke

t ris

k eq

uiva

lent

ass

ets.

......

......

......

......

......

......

......

......

......

......

......

......

......

......

......

......

.....

59. R

isk-

wei

ghte

d as

sets

bef

ore

dedu

ctio

ns fo

r ex

cess

allo

wan

ce fo

r lo

an a

nd le

ase

loss

es a

ndal

loca

ted

tran

sfer

ris

k re

serv

e (s

um o

f ite

m 5

7, c

olum

ns C

thro

ugh

F, a

nd it

em 5

8) ..

......

......

....

60. L

ESS

: Exc

ess

allo

wan

ce f

or lo

an a

nd le

ase

loss

es...

......

......

......

......

......

......

......

......

......

......

.....

61. L

ES

S: A

lloca

ted

tran

sfer

ris

k re

serv

e....

......

......

......

......

......

......

......

......

......

......

......

......

......

......

..

62. T

otal

ris

k-w

eigh

ted

asse

ts (

item

59

min

us it

ems

60 a

nd 6

1)...

......

......

......

......

......

......

......

......

....

Mem

oran

da

FT

Dol

lar

Am

ount

s in

Tho

usan

ds

1. C

urre

nt c

redi

t exp

osur

e ac

ross

all

deriv

ativ

e co

ntra

cts

cove

red

by th

e ris

k-ba

sed

capi

tal s

tand

ards

......

......

......

......

......

......

......

......

......

......

......

..

FFIEC 031

Pag

e R

C-3

8

§J

55.

56.

57.

58.

59.

60.

61.

62.

M.1

Sche

dule

RC

-R-C

ontin

ued

Mem

oran

da-G

ontin

ued

Dol

lar

Am

ount

s in

Tho

usan

ds

2. N

otio

nal p

rinc

ipal

am

ount

s of

der

ivat

ive

cont

ract

s:1

a. In

tere

st r

ate

cont

ract

s.. .

......

......

.....

......

......

......

......

... ..

... ..

......

......

......

......

......

......

b. F

orei

gn e

xcha

nge

cont

ract

s....

......

......

......

......

......

......

......

......

......

......

......

......

....

c. G

old

cont

ract

s....

......

......

......

......

......

......

......

......

......

......

......

......

......

......

......

......

.d.

Oth

er p

reci

ous

met

als

cont

ract

s....

......

......

......

......

......

......

......

......

......

......

......

....

e, O

ther

com

mod

ity c

ontr

acts

.....

......

......

......

......

......

......

......

......

......

......

......

......

....

f. E

quity

der

ivat

ive

cont

ract

s ...

......

.... .

......

......

... ..

......

......

......

......

......

......

......

......

...g. Credit derivative contracts:

Pur

chas

ed c

redi

t pro

tect

ion

that

(a)

is a

cov

ered

pos

ition

und

er th

em

arke

t ris

k ru

le o

r (b

) is

not

a c

over

ed p

ositi

on u

nder

the

mar

ket r

isk

rule

and

is n

ot r

ecog

nize

d as

a g

uara

ntee

for

ris

k-ba

sed

capi

tal p

urpo

ses:

(1)

Inve

stm

ent g

rade

.....

......

......

......

......

......

......

......

......

......

......

......

......

......

......

.(2

) S

ubin

vest

men

t gra

de ..

......

......

......

.....

.....

......

......

......

......

......

......

.. ...

......

......

.RA

FT

(Column C)

Ove

r fiv

e ye

ars

(Col

umnA

)O

ne y

ear

or le

ss

FFIEC 031

Pag

e R

C-3

9

§J

3809

8766

8767

M.2

.a.

3812

8769

8770

M.2

.b.

8771

8772

8773

M.2

.c87

7487

7587

76M

.2.d

.87

7787

7887

79M

.2.e

.A

OO

OA

001

A00

2M

.2.f

.

1 Exclude foreign exchange contract with an original maturity of 14 days or less and all futures contrct.

M.2

.g.(

1)M

.2.g

.(2)

Sche

dule

RC

-S-S

ervi

cing

, Sec

uriti

zatio

n, a

nd A

etB

AE

;J

FFIEC 031

Pag

e R

C-4

0

§J(C

olum

nA)

(Col

umn

B)

(Column C)

(Column D)

(Col

umn

E)

(Col

umn

F)

(Col

umn

G)

1-4 Family

Hom

eC

redi

tA

uto

Oth

erC

omm

erci

alA

ll O

ther

Loa

ns,

Res

iden

tial

Equ

ityC

ard

Loa

nsC

onsu

mer

and

Indu

stna

lA

ll Le

ases

, and

Loa

nsL

ines

Rec

eiva

bles

Loa

nsL

oans

All

Oth

er A

sset

s

Dol

lar

Am

ount

s in

Tho

usan

ds

Ban

k Se

curi

tizat

ion

Act

iviti

es1.

Out

stan

ding

pnn

cipa

l bal

ance

of

asse

ts s

old

and

secu

ritiz

ed b

y th

ere

port

ing

bank

with

ser

vici

ng r

etai

ned

or w

ith r

ecou

rse

or o

ther

sel

ler-

prov

ided

cre

dit e

nhan

cem

ents

.....

.....

...I

II

II

II

iI

II

II

iI

Ii

II

Ii

i1.

2. M

axim

um a

mou

nt o

f cre

dit e

xpos

ure

aris

ing

from

rec

ours

e or

oth

erse

ller-

prov

ided

cre

dit e

nhan

cem

ents

prov

ided

to s

truc

ture

s re

port

ed in

item

1 in

the

form

of:

a. C

redi

t-en

hanc

ing

inte

rest

-onl

y st

nps

(incl

uded

in S

ched

ules

RC

-B o

rI

iR

C-F

or

in S

ched

ule

RC

, ite

m 5

)....

.i

II

II

II

ii

iI

IL

II

II

iI

I2.

a.

b. S

ubor

dina

ted

secu

ritie

s an

d ot

her

resi

dual

inte

rest

s. ..

.... .

......

... ..

......

....

II

II

II

II

II

II

II

II

iI

II

II

2.b.

c. S

tand

by le

tters

of c

redi

t and

II

II

II

othe

r en

hanc

emen

ts...

.....

......

.. ...

.....

II

II

II

II

II

II

II

II

2.c.

3. R

epor

ting

bank

's u

nuse

d co

mm

it-m

ents

to p

rovi

de li

quid

ity to

str

uctu

res

Ire

port

ed in

item

1 ..

......

......

......

......

......

. II

II

II

II

II

II

1I

Ii

iI

II

i3.

4, P

ast d

ue lo

an a

mou

nts

incl

uded

inite

m 1

:a.

30-

9 da

ys p

ast d

ue ..

......

......

......

...4.

a.

b. 9

0 da

ys o

r m

ore

past

due

......

......

....

4.b.

5. C

harg

e-of

fs a

nd r

ecov

enes

on

asse

tsso

ld a

nd s

ecun

tized

with

ser

vici

ngre

tain

ed o

r w

ith r

ecou

rse

or o

ther

selle

r-pr

ovid

ed c

redi

t enh

ance

men

ts

(cal

enda

r ye

ar -

to-d

ate)

:RIA 8747

RIA 8748

RIA 8749

RIA 8750

RIA 8751

RIA

O 8

752

RIA 8753

a. C

harg

e-of

fs...

......

..,...

......

......

......

.....

II

II

II

II

II

II

II

5.a.

RIA 8754

RIA

D 8

755

RIA

D 8

756

RIA 8757

RIA

D 8

758

RIA

O 8

759

RIA

D 8

760

b. R

ecov

erie

s ...

......

......

......

......

......

.....

II

II

11

11

1i

II

II

5.b.

Sche

dule

RC

-S-C

ontin

ued

Dol

lar

Am

ount

s in

Tho

usan

ds

6. A

mou

nt o

f ow

ners

hip

(or

selle

r's)

inte

rest

s ca

rrie

d as

:a. Securities (included in

Sch

edul

e R

C-B

or

in S

ched

ule

RC

,ite

m 5

) ...

......

......

......

......

......

......

......

b. L

oans

(in

clud

ed in

Sche

dule

RC

-C)

.. ...

... ..

... ..

......

.....

....

7. P

ast d

ue lo

an a

mou

nts

incl

uded

inin

tere

sts

repo

rted

in it

em 6

.a:

a. 3

0-9

days

pas

t due

......

......

......

.....

b. 9

0 da

ys o

r m

ore

past

due

......

......

....

8. Charge-offs and recoveries on loan

amou

nts

incl

uded

in in

tere

sts

repo

rted

in it

em 6

.a (

cale

ndar

yea

r-to

-dat

e):

a. C

harg

e-of

fs...

......

......

......

......

......

.....

b. R

ecov

erie

s....

.. ...

... ..

... ..

......

.....

......

..

For

Sec

uriti

zatio

n F

acilt

ies

Spo

nsor

edB

y or

Oth

erw

ise

Est

ablis

hed

By

Oth

erIn

stitu

tions

9. M

axim

um a

mou

nt o

f cre

dit e

xpos

ure

aris

ing

from

cre

dit e

nhan

cem

ents

prov

ided

by

the

repo

rtin

g ba

nk to

oth

erin

stitu

tions

' sec

untiz

atio

n st

ruct

ures

inth

e fo

rm o

f sta

ndby

lette

rs o

f cre

dit,

purc

hase

d su

bord

inat

ed s

ecun

ties,

and

othe

r en

hanc

emen

ts ..

......

......

......

.10

. Rep

ortin

g ba

nk's

unu

sed

com

mitm

ents

to p

rovi

de li

quid

ity to

oth

er in

stitu

tions

'se

curit

izat

ion

stru

ctur

es...

.....

......

......

...

AFT

(Col

umnA

)1-4 Family

Res

iden

tial

Loa

ns

(Col

umn

B)

Hom

eE

quity

Lin

es

(Column C)

Cre

dit

Car

dR

ecei

vabl

es

(Column D)

Aut

oL

oans

(Col

umn

E)

Oth

erC

onsu

mer

Loa

ns

(Col

umn

F)

Com

mer

cial

and

Indu

stna

lL

oans

(Column G)

All

Oth

er L

oans

,A

ll Le

ases

, and

All

Oth

er A

sset

s

FFIEC 031

Page RC-41

§J

6.a.

6.b.

7.a.

7.b.

8.a.

8.b.

9. 10.

Dol

lar

Am

ount

s in

Tho

usan

ds

1. S

mal

l bus

ines

s ob

ligat

ions

tran

sfer

red

with

rec

ours

e un

der

Sec

tion

208

of th

e R

iegl

e C

omm

unity

Dev

elop

men

t and

Reg

ulat

ory

Impr

ovem

ent

Act

of

1994

:a.

Out

stan

ding

pri

ncip

al b

alan

ce. .

.... .

......

.... .

.. ...

......

.., ..

.....

......

... ..

......

.. ,..

.....

.....

......

......

... ..

.,. ..

......

......

.. ...

......

......

......

......

......

......

......

. ....

. ....

......

....

b. A

mou

nt o

f ret

aine

d re

cour

se o

n th

ese

oblig

atio

ns a

s of

the

repo

rt d

ate.

......

......

......

......

......

......

......

......

......

......

......

......

......

......

......

......

......

.:...

2. O

utst

andi

ng p

rinci

pal b

alan

ce o

f ass

ets

serv

iced

for

othe

rs (

incl

udes

par

ticip

atio

ns s

ervi

ced

for

othe

rs):

a. C

lose

d-en

d 1-

4 fa

mily

res

iden

tial m

ortg

ages

ser

vice

d w

ith r

ecou

rse

or o

ther

ser

vice

r-pr

ovid

ed c

redi

t enh

ance

men

ts...

......

......

......

......

......

..b.

Clo

sed-

end

1-4

fam

ily r

esid

entia

l mor

tgag

es s

ervi

ced

with

no

reco

urse

or

othe

r se

rvic

er-p

rovi

ded

cred

it en

hanc

emen

ts...

......

......

......

......

...c.

Oth

er fi

nanc

ial a

sset

s (in

clud

es h

ome

equi

ty li

nes)

1....

......

......

......

......

......

......

......

......

......

......

......

......

......

......

......

......

......

......

......

......

......

......

..d.

1-4

fam

ily r

esid

entia

l mor

tgag

es s

ervi

ced

for

othe

rs th

at a

re in

pro

cess

of

fore

clos

ure

at q

uart

er-e

nd (

incl

udes

clo

sed-

end

and

open

-end

loan

s) ..

......

.. ...

.. ...

......

......

......

......

.....

.. ...

......

......

......

.. ...

......

......

......

......

......

......

......

......

......

......

.....

......

......

......

......

......

......

......

....

3. A

sset

-bac

ked

com

mer

cial

pap

er c

ondu

its:

a. M

axim

um a

mou

nt o

f cre

dit e

xpos

ure

ansi

ng fr

om c

redi

t enh

ance

men

ts p

rovi

ded

to c

ondu

it st

ruct

ures

in th

e fo

rm o

f sta

ndby

lette

rs o

fcr

edit,

sub

ordi

nate

d se

cunt

ies,

and

oth

er e

nhan

cem

ents

:

(1)

Con

duits

spo

nsor

ed b

y th

e ba

nk, a

ban

k af

fliat

e, o

r th

e ba

nk's

hol

ding

com

pany

......

......

......

......

......

......

......

......

......

......

......

......

......

......

.(2

) C

ondu

its s

pons

ored

by

othe

r un

rela

ted

inst

itutio

ns...

.... .

......

......

. ....

......

......

......

. ....

. ....

... ..

......

......

. ....

.....

......

......

......

......

. ....

......

......

......

......

b. U

nuse

d co

mm

itmen

ts to

pro

vide

liqu

idity

to c

ondu

it st

ruct

ures

:

(1)

Con

duits

spo

nsor

ed b

y th

e ba

nk, a

ban

k af

fliat

e, o

r th

e ba

nk's

hol

ding

com

pany

.....

......

......

......

......

......

......

......

......

......

......

......

......

......

.. B

808

(2)

Con

duits

spo

nsor

ed b

y ot

her

unre

late

d in

stitu

tions

.... .

.... .

......

.....

......

......

......

.....

......

. ....

......

. ....

.....

......

.... .

......

......

......

.....

......

.. ...

.... .

.... .

......

. B80

94.

Out

stan

ding

cre

dit c

ard

fees

and

fin

ance

cha

rges

incl

uded

in S

ched

ule

RC

-S, i

tem

1, c

olum

n C

2....

......

......

......

......

......

......

......

......

......

......

......

......

......

......

.....

C40

7

Sche

dule

RC

-S-C

ontin

ued

Dol

lar

Am

ount

s in

Tho

usan

ds

Bank Asset Sales

11. A

sset

s so

ld w

ith r

ecou

rse

or o

ther

selle

r-pr

ovid

ed c

redi

t enh

ance

men

tsan

d no

t sec

uriti

zed

by th

e re

port

ing

bank

.....

......

......

......

......

......

......

......

......

12. M

axim

um a

mou

nt o

f cre

dit e

xpos

ure

aris

ing

from

rec

ours

e or

oth

er s

elle

r-pr

ovid

ed c

redi

t enh

ance

men

ts p

ro-

vide

d to

ass

ets

repo

rted

in it

em 1

1 ...

...

Mem

oran

da

(Col

umnA

)1-4 Family

Res

iden

tial

Loa

ns

(Col

umn

B)

Hom

eE

quity

Lin

es

(Column C)

Cre

dit

Car

dR

ecei

vabl

es

(Col

umn

E)

Oth

erC

onsu

mer

Loa

ns

(Col

umn

F)

Com

mer

cial

and

Indu

stria

lL

oans

(Column G)

All

Oth

er L

oans

,A

ll Le

ases

, and

All

Oth

er A

sset

s

FFIEC 031

Pag

e R

C-4

2

~

11.

12.

M.1

.a.

M.1

.b.

M.2

.a.

M.2

.b.

M.2

.c.

M.2

.d.

M.3

.a.(

1)M

.3.a

.(2)

M.3

.b.(

1)M

,3.b

.(2)

M.4

.

1 M

emor

andu

m it

em 2

.c is

to b

e co

mpl

eted

if th

e pr

inci

pal b

alan

ce o

f oth

er fi

nanc

ial a

sset

s se

rvic

ed fo

r ot

hers

is m

ore

than

$10

mill

on.

2 M

emor

andu

m it

em 4

is to

be

com

plet

ed b

y ba

nks

that

(1)

toge

ther

with

affl

iate

d in

stitu

tions

, hav

e ou

tsta

ndin

g cr

edit

card

rec

eiva

bles

(as

def

ined

in th

e in

stru

cton

s) th

at e

xced

$50

0 m

ilion

as

of th

e re

port

date

or

(2)

are

cred

it ca

rd s

peci

alty

ban

ks a

s de

fined

for

Uni

form

Ban

k P

erfo

rman

ce R

epor

t pur

pes.

(Column D)

Aut

oL

oans

FFIEC 031

Page RC-43

Schedule RC- T -Fiduciary and Related Services ~RCFD

1. Does the institution have fiduciary powers? (If "NO," do not complete Sèhedule RC- T.)............... A345 1.~2. Does the institution exercise the fiduciary powers it has been granted? ......................................~ 2.

3. Does the institution have any fiduciary or related activity (in the form of assets or accunts) to ~report in this schedule? (If "NO: do not complete the rest of Schedule RC-T.).............................~ 3.

If the answer to item 3 is "YES: complete the applicable items of Schedule RG- T, as follows:10

Institutions with total fiduciary assets (item ø, sum of columns A and B) greater than $250 milion (as of the precedingDecember 31) or with gross fiduciary and related services income greater than 10% of revenue (net interest income plusnoninterest income) for the preceding calendar year must complete:. Items 4 through ~.(arterly,- 11. #..... i. u

Items~g tluei:!J 23?ualiy with the Dec~ber report, and. Memorandum items 1 through 4 annually with the December report.

Institutions with total fiduciary assets (item'J sum of columns A and B) greater than $100 millon but less than or equal to$250 milion (as of the preceding December 31) that do not meet the fiduciary income test for quarterly reporting must complete:. Items 4 through ~ pnually with the December report, and 2 (,

. Memorandum items 1 through 4 annually with the December report./0

Institutions with total fiduciary assets (item t, sum of columns Aand B) of $100 milion or less (as of the preceding December 31)that do not meet the fiduciary income test for quarterly reporting must complete:. Items 4 through J1lìnnually with the December report, and 13

Memorandum items 1 through 3 annually with the December report.

(ColumnA)ManagedAssets

(Column B)Non-Managed

Assets

(Column D)Number of

Non-ManagedAccounts


IARY AND RELATED ASSETS4. Perso ust and agency accounts .......5. Retirement re trust and agency

accunts:a. Employee benefit-define

contribution..............................,......... .b. Employee benefit-defined

benefit.................................,......,.,......

5.a.RCFD6879

5.b.RCFDB8

5.c.RCFDCO2

6.

7.

RCFD6878

RCFD 682

c. Other retirement accounts..................

RCFD 6892

tze.place W"itt INSERT I'

INSERT R - FFIEC 031

NOTE: This revision has already been approved for implementation effective December 31; 2009.

FIDUCIARY AND RELATED ASSETS4. 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

retirement-related accunts .........

6. Corporate trust and agency accunts.

7. Investment management andinvestment advisory agency accunts

8. Foundation and endowment trust and

agency accounts ..... ............................

9. Other fiduciary accnts .....................10. Total fiduciary accounts (sum of

items 4 through 9) ...............................

11. Custody and safekeeping accounts ....12. Fiduciary accunts held in foreign

offces (included in items 10 and 11) ..13. Individual Retirement Accunts;

Health Savings Accunts, andother similar accounts (included initems 5.c and 11) ................................

RCFDB870 RCFDB871

RCFDB874 RCFDB875

RCFDB878 RCFDB879

RCFOB82 RCFDB8

RCFDCO1 RCFDCOO2

RCFDB8 RCFDXX

RCFDXX RCFDXX

RCFDB892 RCFDB893

RCFDB896 RCFDB897

RCFDB899

RCFDB903

FFIEC031Page RC-44

Schedule RC- T -Continued ~(ColumnA)ManagedAssets

(Column B)Non-Managed

Assets

FIDUCIARY AND RELATEDASSET8-Continued9. Total fiduciary accounts

(sum of items 4 through 8) .............. 9.

10. Custody and s ping accounts........11. Fidu . ccounts held in foreign

included in items 9 and 10 .........

R e pla.,~ wll1 INSEft 7 S Dollar Amounts in Thousands RIAD

ClARY AND RELATED SERVICES INCOME12. Per i trust and agency accounts.............................................................................................. B9013. Retiremen ted trust and agency accounts:

a. Employee ben ;:efined contribution.. ............. ......................................................... ............ B905b. Employee benefit d benefit...... .................................................................................. 06c. Other retirement accounts... .... ................................................................................ ............ B907

14. Corporate trst and agency accounts ..... .......................................................... ....................... A47915. Investment management agency accunts........ .................................... .................................. B90816. Other fiduciary accunts ............................................... .............. ............................................. A48017. Custody and safekeeping accounts.................................... .. .............. ..................................... B90918. Other fiduciary and related services income ........... ........................ ........................ ................ B91019. Total gross fiduciary and related services in (sum of items 12 throug (must equal

Schedule RI, item 5.a)....................... .....................................................................a. Fiduciary and related servi ncome-foreign offces

(included in item 19 ................... ......................... ............................. B91220. Less: Expenses ..........................................................................,................................................ CO21. Less: N ses from fiduciary and related services ............ ................................ .............. ........... A48822. P . ntracompany income credits for fiduciary and related services ........................................... B911

. Net fiducia and related services income................................. ............. ............................... ........ A491

13.a.13.b.13.c.14.15.16.17.18.

r¿alCl(~ viti IJ'SERT T

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

1. Managed as eld in personal trust and agency accounts:a. Noninterest-bean osits .......................................................,................................b. Interest-bearing deposits...... .......................................................................... ....................c. U.S. Treasury and U.S. Governme encyobligations...................... ................................d, State, county and municipal obligations .......... ....................... ............................................e. Money market mutual funds............................. ............ ............ ........ ............ ....... ,. ..............,f. Other short-term obligations.............................. ...................... ...........................................g. Other notes and bonds.......................... ............................................... .............................h. Common and preferred stocks.. ......................................................................... ................i. Real estate mortgages.. . ......... ................... ...... ...... ................ ..... .................. ......... ......... ..j. Real estate ........ ....................................................................................................................k. Miscella s assets ......................................... ................................... ..... ..............................i. li anaged assets held in personal trust and agency accounts (sum of Memorandum

items 1.a through 1.k) (must equal Schedule RC-T, item 4, column A)....................................

INSERT S - FFIEC 031

NOTE: This revision has already been approved for implementation effective December 31; 2009.

FIDUCIARY AND RELATED SERVICES INCOME14. Personal trust and agency accunts ..........................................................15. Employee benefit and retirement-related trust and agency accounts:

a. Employee benefit-defined contribution ............................ ........ .......... 800Sb. Employee benefit-defined benefit ...................................................... 890c. Other employee benefit and retirement-related accounts .. ...... ...... ...... 8007

16. Corporate trust and agency accounts ........................................................ A47917. Investment management and investment advisory agency accounts ....... xx

18. Foundation and endowment trust and agency accounts ........ ........ ........... xx19. Other fiduciary accounts ............................................................................ A4820. Custody and safekeeping accounts ........................................................... 800921. Other fiduciary and related services income .............................................. 891022. Total gross fiduciary and related services income (sum of items 14

through 21) (must equal Schedule RI; item 5.a) ........................................a. Fiduciary and related services income-

foreign offces (included in item 22) ....... ......23. Less: Expenses ....................... ...........................24. Less: Net losses from fiduciary and related servi25. Plus: Intracompany income credits for fiduciary a26. Net fiduciary and related services income ..........

.._--r 8912 T I I

....................................... C05ces ................................ A48

nd related services ...... 8911

....................................... A491

INSERT T - FFIEC 031

NOTE: This revision has already been approved for implementation effective December 31, 2009.

1. Managed assets held in fiduciaryaccunts:a, Noninterest-bearing deposits ..

b. Interest-bearing deposits ........

c, U.S. Treasury and U.S.Government agencyobligations ...............................

d. State, county, and municipalobligations ...............................

e. Money market mutual funds ....

f. Equity mutual funds ................

g. Oter mutual funds .................

h. Common trst funds andcollecve investment funds .....

i. Oter short-term obligations ...

j. Oter notes and bonds ...... .....

k. Investments in unregistered

funds and private equityinvestments ......,...,..............,...

i. Oter common and preferredstocs ........,................,.,..........

m. Real estate mortgages ....... .....

n. Real estate ..............................

0, Miscllaneous assets ..............

p. Total managed assets held infiduciary accunts (for eachcolumn, sum of Memorandumitems 1,a through 1,0) .............

q. Investments of managed fiducia

sponsored mutual funds ..........

(Column A) (Column B) (Column C)

Personal Trust and Employee Benefit and All Oter AccuntsAgency and Investment Retirement-Related Trust

Management Agency and Agency AccuntsAccunts

RCFD Bil Mil Tho RCFD Bil Mil Tho RCFD Bn Mil Thou

xx xx xxxx xx xx

xx xx xx

xx xx xxxx xx xxxx xx xxxx xx xx

xx xx xxxx xx xxxx xx xx

xx xx xx

xx xx xxxx xx xxxx xx xxxx xx xx

xx xx xx(Column A) (Column B)

Managed Assets Number of ManagedAccunts

ry accunts in advise or............................................. xx xx

Schedule RC- T -Continued

Memoranda-Continued

~ q) I Clcf! vI,fl ItJStrl T U.

(Column B)Pnncipal Amount

OutstandingMil ThouDollar Amounts in Thousands

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

2. orpr unts:a, Corporate and municipal trusteeships..........

, paying agent, and other corprate agency ..............


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 investmentsMoney market. .....................................................g. Specialty/Other............................................................................................h. Total collective investment funds (sum of Memorandum items 3.a

through 3.g) ................................ ,................... .............................................


4. Fiduciary settlements, surcharges, and other losses:a. Personal trust and agency accunts ........................................b. Retirement related trust and agency accunts.........................c. Investment management 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 ofcolumns A and B minus column C must equalSchedule RG- T, item ~) .......... .................... ............................

ll.

B931

B933

B935

B937B939

B941

B943

B932B934

B936

B938

B940

B942

B94

FFIEC031Page RC-45

~

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

M.3.h.

M.4.a.M.4.b.M.4.c.M.4.d.

M.4.e.

(ColumnA)Gross Losses

ManagedAccunts

(Column B)Gross LossesNon-Managed

Accounts

(Column C)Recovenes

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

Name and Title (TXT 896)

E-mail Address (TXT 8926)

Telephone: Area coe/phone number/extension (TEXT 896) FAX: Area coe/phone number (TEXT 896)

INSERT U - FFIEC 031

NOTE: This revision has already been approved for implementation effective December 31, 2009.

2. Corporate trust and agency accunts:

a. Corporate and municipal trusteeships

(1) Issues reported in Memorandum item 2.a. that arein default

b. Transfer agent, registrar; paying agent, and other

corporate agency

FFIEC031Page RC-46

~Optional Narrative Statement Concerning the Amounts

Reported in the Reports of Condition and Income

The management of the reporting bank may, if it wishes, submit abnef narrative statement on the amounts reported in the Reportof Condition and Income. This optional statement wil be madeavailable to the public, along with the publicly available data in

the Report of Condition and Income, in response to any request

for individual bank report data. BANKS CHOOSING TO SUBMITTHE NARRATIVE STATEMENT SHOULD ENSURE THAT THESTATEMENT DOES NOT CONTAIN THE NAMES OR OTHERIDENTIFICATIONS OF INDIVIDUAL BANK CUSTOMERS ORANY OTHER INFORMATION THAT THEY ARE NOT WILLINGTO HAVE MADE PUBLIC OR THAT WOULD COMPROMISE THEPRIVACY OF THEIR CUSTOMERS. Banks choosing not to makea statement may check the "No commenl box below and shouldmake no entnes of any kind in the space provided for the narrtivestatement; Le., DO NOT enter in this space such phrases as "Nostatement," "Not applicable," "N/A," "No comment," and "None."

The optional statement must be entered on this sheet. The state-ment should not exceed 100 words. Further, regardless of thenumber of words, the statement must not exceed 750 characters,including punctuation, indentation, and standard spacing betweenwords and sentences. If any submission should exceed 750 charac-ters, as defined, it wil be trncated at 750 characters with no noticeto the submitting bank and the truncated statement wil appear asthe bank's statement both on agency computenzed recrds and incomputer-file releases to the public.

All information furnished by the bank in the narrative statement

must be accurate and not misleading. Appropnate efforts shall betaken by the submitting bank to ensure the statement's accuracy.

The statement must be signed, in the space provided below, by asenior offcer of the bank who thereby attests to its accuracy.

If, subsequent to the original submission, material changes aresubmitted for the data reported in the Report of Condition andIncome, the existing narrative statement wil be deleted from thefiles, and from disclosure; the bank, at its option, may replace it witha statement, under signature, appropnate to the amended data.

The optional narrative statement wil appear in agency recordsand in release to the public exactly as submitted (or amendedas descnbed in the preceding paragraph) by the management ofthe bank (except for the truncation of statements exceeding the75O-character limit descnbed above). THE STATEMENT WILL NOTBE EDITED OR SCREENED IN ANY WAY BY THE SUPERVI-SORY AGENCIES FOR ACCURACY OR RELEVANCE. DISCLO-SURE OF THE STATEMENT SHALL NOT SIGNIFY THAT ANYFEDERAL SUPERVISORY AGENCY HAS VERIFIED OR CON-FIRMED THE ACCURACY OF THE INFORMATION CONTAINEDTHEREIN. A STATEMENT TO THIS EFFECT WILL APPEAR ONANY PUBLIC RELEASE OF THE OPTIONAL STATEMENT SUB-

MITTED BY THE MANAGEMENT OF THE REPORTING BANK.

BANK MANAGEMENT STATEMENT (please type or print clearly):(TXT69BO)

Consolidated Reports of Condition and Income for · To fulfill the signature and attestation...

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Transcript of Consolidated Reports of Condition and Income for · To fulfill the signature and attestation...