Consolidated Reports of Condition and Income for A … · 1997-09-22 · Consolidated Reports of...

Please refer to page i,Table of Contents,

for the required disclosure of estimated

burden.

Consolidated Reports of Condition and Income forA Bank With Domestic and Foreign OfficesFFIEC 031

Expires March 31, 2000

(970930)(RCRI 9999)

Board of Governors of the Federal Reserve System

OMB Number: 7100-0036

Report at the close of business September 30, 1997

NOTE: The Reports of Condition and Income must be signedby an authorized officer and the Report of Condition must beattested to by not less than two directors (trustees) for Statenonmember banks and three directors for State member andNational banks.

of the named bank do hereby declare that the Reports ofCondition and Income (including the supporting schedules)for this report date have been prepared in conformance withthe instructions issued by the appropriate Federal regulatoryauthority and are true to the best of my knowledge andbelief.

The Reports of Condition and Income are to be prepared inaccordance with Federal regulatory authority instructions.

We, the undersigned directors (trustees), attest to thecorrectness of the Report of Condition (including thesupporting schedules) for this report date and declare that ithas been examined by us and to the best of our knowledgeand belief has been prepared in conformance with theinstructions issued by the appropriate Federal regulatoryauthority and is true and correct.

I,

Name and Title of Officer Authorized to Sign Report

This report is required by law: 12 U.S.C. 324 (Statemember banks); 12 U.S.C. 1817 (State nonmember banks);and 12 U.S.C. 161 (National banks).

Director (Trustee)

Director (Trustee)

Director (Trustee)

1

Board of Governors of the Federal Reserve System, Federal Deposit Insurance Corporation, Office of the Comptroller of the Currency

Federal Deposit Insurance Corporation


Office of the Comptroller of the Currency


This report form is to be filed by banks with branches andconsolidated subsidiaries in U.S. territories and possessions,Edge or Agreement subsidiaries, foreign branches, consoli-dated foreign subsidiaries, or International Banking Facilities.

Date of Signature

Signature of Officer Authorized to Sign Report

State Abbrev. (TEXT 9200) ZIP Code (TEXT 9220)

FDIC Certificate Number(RCRI 9050)

Legal Title of Bank (TEXT 9010)

City (TEXT 9130)

(b)

(a)

submit hard-copy forms directly to the appropriate bankingagency. State member banks should return the original andone copy to the appropriate Federal Reserve District Bank.National and state nonmember banks should return theoriginal only in the special return address envelope provided.If an overnight delivery system is used in lieu of the specialreturn address envelope, return the original only to the FDIC,c/o Quality Data Systems, 2127 Espey Court, Suite 204,Crofton, MD 21114.

Submission of Reports

in automated form and then file the computer data filedirectly with the banking agencies collection agent,Electronic Data Systems Corporation (EDS), by modem oron computer diskette; or

Each bank that had $50 million or more in total assets as ofJune 30, 1996, must prepare its Reports of Condition andIncome either:

in hard-copy (paper) form and arrange for another partyto convert the paper report to automated form. Thatparty (if other than EDS) must transmit the bankscomputer data file to EDS.

For this report date only, all other banks (i.e., banks notrequired to file reports in automated form) are permitted to

To fulfill the signature and attestation requirement for theReports of Condition and Income for this report date, bankswhose reports are filed in automated form with EDS shouldattach this signature page to the hard-copy record of thecompleted report that the bank places in its files.

Federal Financial Institutions Examination Council

RC-1, 2

RC-3

RC-3, 4, 5

RC-6, 7, 8

RC-8a, 8b

RC-8

RC-9, 10, 11

RC-11

RC-11

RC-12

RC-13

RC-13

RC-14, 15, 16

RC-17, 18

RC-19, 20

RC-21, 22

RC-23, 24

RC-25

Report of Condition

Schedule RCBalance Sheet ........................

Schedule RC-ACash and Balances Due

From Depository Institutions ..........................

Schedule RC-BSecurities ........................

Schedule RC-CLoans and Lease Financing

Receivables:

Part I. Loans and Leases .......................

Part II. Loans to Small Businesses and

Small Farms (included in the forms for

June 30 only) ...................................

Schedule RC-DTrading Assets and Liabilities

(to be completed only by selected banks) .......

Schedule RC-EDeposit Liabilities .........

Schedule RC-FOther Assets .........................

Schedule RC-GOther Liabilities .....................

Schedule RC-HSelected Balance Sheet Items

for Domestic Offices ..................................

Schedule RC-ISelected Assets and Liabilities

of IBFs .....................................................

Schedule RC-KQuarterly Averages ................

Schedule RC-LOff-Balance Sheet

Items ............................................

Schedule RC-MMemoranda ....................

Schedule RC-NPast Due and Nonaccrual

Loans, Leases, and Other Assets ...........

Schedule RC-OOther Data for Deposit

Insurance and FICO Assessments ..........

Schedule RC-RRegulatory Capital ...........

Optional Narrative Statement Concerning

the Amounts Reported in the Reports

of Condition and Income .............................

Special Report (to be completed by all banks)

Cover

RI-1, 2, 3

RI-4

RI-4, 5

RI-6

RI-7, 8

Disclosure of Estimated Burden

Consolidated Reports of Condition and Income for

A Bank With Domestic and Foreign Offices

The estimated average burden associated with this information collection is

34.1 hours per respondent and is estimated to vary from 15 to 400 hours per

response, depending on individual circumstances. Burden estimates include the

time for reviewing instructions, gathering and maintaining data in the required

form, and completing the information collection, but exclude the time for

compiling and maintaining business records in the normal course of a

respondent's activities. A Federal agency may not conduct or sponsor, and an

organization (or a person) is not required to respond to a collection of

information, unless it displays a currently valid OMB control number.

Comments concerning the accuracy of this burden estimate and suggestions

for reducing this burden should be directed to the Office of Information and

Regulatory Affairs, Office of Management and Budget, Washington, D.C.

20503, and to one of the following:

Secretary

Board of Governors of the Federal Reserve System

Washington, D.C. 20551

Legislative and Regulatory Analysis Division

Office of the Comptroller of the Currency


Assistant Executive Secretary

Federal Deposit Insurance Corporation


For information or assistance, National and State nonmember banks should contact the FDICs Call Reports Analysis Unit,

550 17th 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.

2

Table of Contents

Signature Page

Report of Income

Schedule RIIncome Statement .................

Schedule RI-AChanges in Equity Capital ...........

Schedule RI-BCharge-offs and Recoveries and

Changes in Allowance for Loan and Lease

Losses ......................................................

Schedule RI-DIncome from

International Operations .................................

Schedule RI-EExplanations ..........................

FFIEC 031Page i

1. Interest income:

a. Interest and fee income on loans:

(1) In domestic offices:

(a) Loans secured by real estate ................................................................................

(b) Loans to depository institutions ..........................................................................

(c) Loans to finance agricultural production and other loans to farmers .........................

(d) Commercial and industrial loans...........................................................................

(e) Acceptances of other banks ...............................................................................

(f) Loans to individuals for household, family, and other personal expenditures:

(1) Credit cards and related plans ......................................................................

(2) Other ........................................................................................................

(g) Loans to foreign governments and official institutions ............................................

(h) Obligations (other than securities and leases) of states and political subdivisions

in the U.S.:

(1) Taxable obligations ......................................................................................

(2) Tax-exempt obligations ................................................................................

(i) All other loans in domestic offices .......................................................................

(2) In foreign offices, Edge and Agreement subsidiaries, and IBFs .....................................

b. Income from lease financing receivables:

(1) Taxable leases .......................................................................................................

(2) Tax-exempt leases .................................................................................................

c. Interest income on balances due from depository institutions:

(1) In domestic offices .................................................................................................

(2) In foreign offices, Edge and Agreement subsidiaries, and IBFs .....................................

d. Interest and dividend income on securities:

(1) U.S. Treasury securities and U.S. Government agency obligations ......................................

(2) Securities issued by states and political subdivisions in the U.S.:

(a) Taxable securities ..............................................................................................

(b) Tax-exempt securities ........................................................................................

(3) Other domestic debt securities .................................................................................

(4) Foreign debt securities ............................................................................................

(5) Equity securities (including investments in mutual funds) ............................................

e. Interest income from trading assets .............................................................................

Consolidated Report of Income

for the period January 1, 1997September 30, 1997

Dollar Amounts in Thousands

1.a.(1)(a)

1.a.(1)(b)

1.a.(1)(c)

1.a.(1)(d)

1.a.(1)(e)

1.a.(1)(f)(1)

1.a.(1)(f)(2)

1.a.(1)(g)

1.a.(1)(h)(1)

1.a.(1)(h)(2)

1.a.(1)(i)

1.a.(2)

1.b.(1)

1.b.(2)

1.c.(1)

1.c.(2)

1.d.(1)

1.d.(2)(a)

1.d.(2)(b)

1.d.(3)

1.d.(4)

1.d.(5)

1.e.

RIAD4011

RIAD4019

RIAD4024

RIAD4012

RIAD4026

RIAD4054

RIAD4055

RIAD4056

RIAD4503

RIAD4504

RIAD4058

RIAD4059

RIAD4505

RIAD4307

RIAD4105

RIAD4106

RIAD4027

RIAD4506

RIAD4507

RIAD3657

RIAD3658

RIAD3659

RIAD4069

All Report of Income schedules are to be reported on a calendar year-to-date basis in thousands of dollars.

Schedule RIIncome Statement

3

Includes interest income on time certificates of deposit not held for trading.

I480

ThouBil Mil

FFIEC 031Page RI-1

Legal Title of Bank

City

Zip CodeState

FDIC Certificate Number


1. Interest income (continued)

f. Interest income on federal funds sold and securities purchased under

agreements to resell .............................................................................

g. Total interest income (sum of items 1.a through 1.f) ..............................

2. Interest expense:

a. Interest on deposits:

(1) Interest on deposits in domestic offices:

(a) Transaction accounts (NOW accounts, ATS accounts, and

telephone and preauthorized transfer accounts) ...........................

(b) Nontransaction accounts:

(1) Money market deposit accounts (MMDAs) ...........................

(2) Other savings deposits .......................................................

(3) Time deposits of $100,000 or more .......................................

(4) Time deposits of less than $100,000 .....................................

(2) Interest on deposits in foreign offices, Edge and Agreement

subsidiaries, and IBFs ...................................................................

b. Expense of federal funds purchased and securities sold under

agreements to repurchase ....................................................................

c. Interest on demand notes issued to the U.S. Treasury, trading

liabilities, and other borrowed money ...................................................

d. Not applicable

e. Interest on subordinated notes and debentures ......................................

f. Total interest expense (sum of items 2.a through 2.e) ............................

3. Net interest income (item 1.g minus 2.f) ..................................................

4. Provisions:

a. Provision for loan and lease losses .......................................................

b. Provision for allocated transfer risk ......................................................

5. Noninterest income:

a. Income from fiduciary activities ...........................................................

b. Service charges on deposit accounts in domestic offices ........................

c. Trading revenue (must equal Schedule RI, sum of Memorandum

items 8.a through 8.d) .........................................................................

d.e. Not applicable

f. Other noninterest income:

(1) Other fee income ..........................................................................

(2) All other noninterest income* ........................................................

g. Total noninterest income (sum of items 5.a through 5.f) .........................

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 benefits and mortgage interest) .............

c. Other noninterest expense* ................................................................

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

8. Income (loss) before income taxes and extraordinary items and other

adjustments (item 3 plus or minus items 4.a, 4.b, 5.g, 6.a, 6.b, and 7.d) .....

9. Applicable income taxes (on item 8) ........................................................

10. Income (loss) before extraordinary items and other adjustments (item 8

minus 9) .............................................................................................

11. Extraordinary items and other adjustments, net of income taxes* ..................

12. Net income (loss) (sum of items 10 and 11) .............................................

1.f.

1.g.

2.a.(1)(a)

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

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

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

2.a.(1)(b)(4)

2.a.(2)

2.b.

2.c.

2.e.

2.f.

5.a.

5.b.

5.c.

5.f.(1)

5.f.(2)

7.a.

7.b.

7.c.

RIAD4243

RIAD4230

RIAD4074

FFIEC 031Page RI-2

RIAD4020

RIAD4107

RIAD4508

RIAD4509

RIAD4511

RIADA517

RIADA518

RIAD4172

RIAD4180

RIAD4185

RIAD4200

RIAD4073

RIAD4070

RIAD4080

RIADA220

RIAD5407

RIAD5408

RIAD4135

RIAD4217

RIAD4092

Schedule RIContinued

4

*Describe on Schedule RI-EExplanations.

Year-to-date

3.

4.a.

4.b.

5.g.

6.a.

6.b.

7.d.

8.

9.

10.

11.

12.

RIAD4079

RIAD3521

RIAD3196

RIAD4093

RIAD4301

RIAD4302

RIAD4300

RIAD4320

RIAD4340

ThouBil Mil

Memoranda

1. Interest expense incurred to carry tax-exempt securities, loans, and leases acquired after

August 7, 1986, that is not deductible for federal income tax purposes .....................................

2. Income from the sale and servicing of mutual funds and annuities in domestic offices

(included in Schedule RI, item 8) ...........................................................................................

3.4. Not applicable

5. Number of full-time equivalent employees at end of current period (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

accounting this calendar year, report the date of the banks acquisition ................................

8. Trading revenue (from cash instruments and off-balance sheet derivative instruments)

(sum of Memorandum items 8.a through 8.d must equal Schedule RI, item 5.c):

a. Interest rate exposures .....................................................................................................

b. Foreign exchange exposures ..............................................................................................

c. Equity security and index exposures ...................................................................................

d. Commodity and other exposures ........................................................................................

9. Impact on income of off-balance sheet derivatives held for purposes other than trading:

a. Net increase (decrease) to interest income ..........................................................................

b. Net (increase) decrease to interest expense .........................................................................

c. Other (noninterest) allocations ...........................................................................................

10. Credit losses on off-balance sheet derivatives (see instructions) ...................................................

11. Does the reporting bank have a Subchapter S election in effect for federal income tax

purposes for the current tax year? ..........................................................................................

12. Deferred portion of total applicable income taxes included in Schedule RI, items 9 and 11

(to be reported with the December Report of Income) ...............................................................

RIAD8757

RIAD8758

RIAD8759

RIAD8760

RIAD8761

RIAD8762

RIAD8763

RIADA251

RIADA530

RIAD4772

RIAD4513

RIAD8431

RIAD4150

ThouBil Mil

5

M.1.

M.2.

M.5.

M.7.

M.8.a.

M.8.b.

M.8.c.

M.8.d.

M.9.a.

M.9.b.

M.9.c.

M.10.

M.11.

M.12.

Year-to-date

Number


Schedule RIContinuedI481

ThouBil Mil

DDYY MM

Legal Title of Bank


FFIEC 031Page RI-3

ThouBil Mil

NOYES

For example, a bank acquired on June 1, 1997, would report 19970601.

RIAD9106

CC

Indicate decreases and losses in parentheses.

1. Total equity capital originally reported in the December 31, 1996, Reports of Condition

and Income .........................................................................................................................

2. Equity capital adjustments from amended Reports of Income, net* ...........................................

3. Amended balance end of previous calendar year (sum of items 1 and 2) ....................................

4. Net income (loss) (must equal Schedule RI, item 12) ...............................................................

5. Sale, conversion, acquisition, or retirement of capital stock, net ................................................

6. Changes incident to business combinations, net .....................................................................

7. LESS: Cash dividends declared on preferred stock ..................................................................

8. LESS: Cash dividends declared on common stock ...................................................................

9. Cumulative effect of changes in accounting principles from prior years* (see instructions for

this schedule) ......................................................................................................................

10. Corrections of material accounting errors from prior years* (see instructions for this schedule)

11. Change in net unrealized holding gains (losses) on available-for-sale securities ............................

12. Foreign currency translation adjustments ...............................................................................

13. Other transactions with parent holding company* (not included in items 5, 7, or 8 above) ...........

14. Total equity capital end of current period (sum of items 3 through 13) (must equal

Schedule RC, item 28) .........................................................................................................

1. Loans secured by real estate:

a. To U.S. addressees (domicile) ............................................................

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

2. Loans to depository institutions and acceptances of other banks:

a. To U.S. banks and other U.S. depository institutions ............................

b. To foreign banks ..............................................................................

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. Loans to individuals for household, family, and other personal

expenditures:

a. Credit cards and related plans ...........................................................

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

6. Loans to foreign governments and official institutions ..............................

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

8. Lease financing receivables:

a. Of U.S. addressees (domicile) ...........................................................

b. Of non-U.S. addressees (domicile) .....................................................

9. Total (sum of items 1 though 8) ...........................................................

RIAD3215

RIAD3216

RIAD3217

RIAD4340

RIAD4346

RIAD4356

RIAD4470

RIAD4460

RIAD4411

RIAD4412

RIAD8433

RIAD4414

RIAD4415

RIAD3210

1.

2.

3.

4.

5.

6.

7.

8.

9.

10.

11.

12.

13.

14.


Schedule RI-AChanges in Equity Capital

FFIEC 031Page RI-4

6

I483

ThouBil Mil

RIAD4661

RIAD4662

RIAD4663

RIAD4664

RIAD4665

RIAD4617

RIAD4618

RIAD4666

RIAD4667

RIAD4627

RIAD4628

RIAD4668

RIAD4669

RIAD4605


I486

Calendar year-to-date

(Column A)Charge-offs

(Column B)Recoveries

Schedule RI-BCharge-offs and Recoveries and Changes

in Allowance for Loan and Lease Losses

Part I excludes charge-offs and recoveries through

the allocated transfer risk reserve.

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

RIAD4651

RIAD4652

RIAD4653

RIAD4654

RIAD4655

RIAD4645

RIAD4646

RIAD4656

RIAD4657

RIAD4643

RIAD4644

RIAD4658

RIAD4659

RIAD4635

1.a.

1.b.

2.a.

2.b.

3.

4.a.

4.b.

5.a.

5.b.

6.

7.

8.a.

8.b.

9.

ThouBil MilThouBil Mil

*Describe on Schedule RI-EExplanations.

Memoranda

1.3. Not applicable

4. Loans to finance commercial real estate, construction, and land

development activities (not secured by real estate) included in

Schedule RI-B, part I, items 4 and 7, above ............................................

5. Loans secured by real estate in domestic offices (included in

Schedule RI-B, part I, item 1, above):

a. Construction and land development ...................................................

b. Secured by farmland .......................................................................

c. Secured by 14 family residential properties:

(1) Revolving, open-end loans secured by 14 family residential

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

(2) All other loans secured by 14 family residential properties ............

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

e. Secured by nonfarm nonresidential properties .....................................

1. Balance originally reported in the December 31, 1996, Reports of Condition and Income ...........

2. Recoveries (must equal part I, item 9, column B above) .........................................................

3. LESS: Charge-offs (must equal part I, item 9, column A above) ...............................................

4. Provision for loan and lease losses (must equal Schedule RI, item 4.a) ......................................

5. Adjustments* (see instructions for this schedule) .................................................................

6. Balance end of current period (sum of items 1 through 5) (must equal Schedule RC,

item 4.b) .........................................................................................................................


Part II. Changes in Allowance for Loan and Lease Losses

Legal Title of Bank


M.4.

M.5.a.

M.5.b.

M.5.c.(1)

M.5.c.(2)

M.5.d.

M.5.e.


Part I. Continued

Calendar year-to-date

(Column A)Charge-offs

(Column B)Recoveries

Bil

RIAD5409

RIAD3582

RIAD3584

RAID5411

RIAD5413

RIAD3588

RIAD3590

Bil

RIAD5410

RIAD3583

RIAD3585

RIAD5412

RIAD5414

RIAD3589

RIAD3591

Schedule RI-BContinued

ThouMilThouBil Mil

RIAD3124RIAD4605

RIAD4635

RIAD4230

RIAD4815

RIAD3123

1.

2.

3.

4.

5.

6.

*Describe on Schedule RI-EExplanations

ThouBil Mil

Bil

FFIEC 031Page RI-5

7

1. Interest income and expense booked at foreign offices, Edge and Agreement subsidiaries,

and IBFs:

a. Interest income booked ........................................................................................................

b. Interest expense booked ......................................................................................................

c. Net interest income booked at foreign offices, Edge and Agreement subsidiaries, and

IBFs (item 1.a minus 1.b) .....................................................................................................

2. Adjustments for booking location of international operations:

a. Net interest income attributable to international operations booked at domestic offices ................

b. Net interest income attributable to domestic business booked at foreign offices ..........................

c. Net booking location adjustment (item 2.a minus 2.b) ..............................................................

3. Noninterest income and expense attributable to international operations:

a. Noninterest income attributable to international operations .......................................................

b. Provision for loan and lease losses attributable to international operations ..................................

c. Other noninterest expense attributable to international operations .............................................

d. Net noninterest income (expense) attributable to international operations (item 3.a minus

3.b and 3.c) ........................................................................................................................

4. Estimated pretax income attributable to international operations before capital allocation

adjustment (sum of items 1.c, 2.c, and 3.d) ..............................................................................

5. Adjustment to pretax income for internal allocations to international operations to reflect

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

6. Estimated pretax income attributable to international operations after capital allocation

adjustment (sum of items 4 and 5) ...........................................................................................

7. Income taxes attributable to income from international operations as estimated in item 6 ................

8. Estimated net income attributable to international operations (item 6 minus 7) ...............................

Memoranda

1. Intracompany interest income included in item 1.a above .............................................................

2. Intracompany interest expense included in item 1.b above ...........................................................

1. Interest income booked at IBFs .................................................................................................

2. Interest expense booked at IBFs ................................................................................................

3. Noninterest income attributable to international operations booked at domestic offices

(excluding IBFs):

a. Gains (losses) and extraordinary items ....................................................................................

b. Fees and other noninterest income .........................................................................................

4. Provision for loan and lease losses attributable to international operations booked at domestic

offices (excluding IBFs) ............................................................................................................

5. Other noninterest expense attributable to international operations booked at domestic offices

(excluding IBFs) ......................................................................................................................

Part II. Supplementary Details on Income from International Operations Required by the

Departments of Commerce and Treasury for Purposes of the U.S. International

Accounts and the U.S. National Income and Product Accounts

1.a.

1.b.

1.c.

2.a.

2.b.

2.c.

3.a.

3.b.

3.c.

3.d.

4.

5.

6.

7.

8.

M.1.

M.2.

1.

2.

3.a.

3.b.

4.

5.

RIAD4837

RIAD4838

RIAD4839

RIAD4840

RIAD4841

RIAD4842

RIAD4097

RIAD4235

RIAD4239

RIAD4843

RIAD4844

RIAD4845

RIAD4846

RIAD4797

RIAD4341


Year-to-date

Schedule RI-DIncome from International Operations

For all banks with foreign offices, Edge or Agreement subsidiaries, or IBFs where international operations account

for more than 10 percent of total revenues, total assets, or net income.

Part I. Estimated Income from International Operations

RIAD4849

RIAD4850

RIAD5491

RIAD5492

RIAD4852

RIAD4853

RIAD4847

RIAD4848

Year-to-date



8

I492

ThouBil Mil

ThouBil Mil

ThouBil Mil

FFIEC 031Page RI-6

1. All other noninterest income (from Schedule RI, item 5.f.(2))

Report amounts that exceed 10% of Schedule RI, item 5.f.(2):

a. Net gains (losses) on other real estate owned ........................................................................

b. Net gains (losses) on sales of loans .......................................................................................

c. Net gains (losses) on sales of premises and fixed assets ..........................................................

Itemize and describe the three largest other amounts that exceed 10% of Schedule RI,

item 5.f.(2):

d.

e.

f.

2. Other noninterest expense (from Schedule RI, item 7.c):

a. Amortization expense of intangible assets ..........................................................................

Report amounts that exceed 10% of Schedule RI, item 7.c:

b. Net (gains) losses on other real estate owned ........................................................................

c. Net (gains) losses on sales of loans .....................................................................................

d. Net (gains) losses on sales of premises and fixed assets .........................................................

Itemize and describe the three largest other amounts that exceed 10% of Schedule RI,

item 7.c:

e.

f.

g.

3. Extraordinary items and other adjustments and applicable income tax effect (from Schedule RI,

item 11) (itemize and describe all extraordinary items and other adjustments):

a. (1)

(2) Applicable income tax effect

b. (1)


c. (1)


4. Equity capital adjustments from amended Reports of Income (from Schedule RI-A, item 2)

(itemize and describe all adjustments):

a.

b.

5. Cumulative effect of changes in accounting principles from prior years

(from Schedule RI-A, item 9) (itemize and describe all changes in accounting principles):

a. Effect of change to GAAP from previous non-GAAP instructions

b.

6. Corrections of material accounting errors from prior years (from Schedule RI-A, item 10)

(itemize and describe all corrections):

a.

b.

1.a.

1.b.

1.c.

1.d.

1.e.

1.f.

2.a.

2.b.

2.c.

2.d.

2.e.

2.f.

2.g.

3.a.(1)

3.a.(2)

3.b.(1)

3.b.(2)

3.c.(1)

3.c.(2)

4.a.

4.b.

5.a.

5.b.

6.a.

6.b.

RIAD5415

RIAD5416

RIAD5417

RIAD4461

RIAD4462

RIAD4463

RIAD4531

RIAD5418

RIAD5419

RIAD5420

RIAD4464

RIAD4467

RIAD4468

RIAD4469

RIAD4487

RIAD4489

RIAD4492

RIAD4493

RIADA546

RIAD4495

RIAD4496

RIAD4497


Year-to-date

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

FFIEC 031Page RI-7

9

Schedule RI-EExplanations

Detail all adjustments in Schedule RI-A and RI-B, all extraordinary items and other adjustments in Schedule RI, and all

significant items of other noninterest income and other noninterest expense in Schedule RI. (See instructions for details.)

RIAD4486

RIAD4488

RIAD4491

TEXT4464

TEXT4467

TEXT4468

TEXT4461

TEXT4462

TEXT4463

TEXT4492

TEXT4493

TEXTA546

TEXT4495

TEXT4496

TEXT4497

TEXT4469

TEXT4487

TEXT4489

Legal Title of Bank


I495

ThouBil Mil

7. Other transactions with parent holding company (from Schedule RI-A, item 13)

(itemize and describe all such transactions):

a.

b.

8. Adjustments to allowance for loan and lease losses (from Schedule RI-B, part II, item 5)

(itemize and describe all adjustments):

a.

b.

9. Other explanations (the space below is provided for the bank to briefly describe, at its

option, any other significant items affecting the Report of Income):

No comment (RIAD 4769)

Other explanations (please type or print clearly):

(TEXT 4769)

RIAD4498RIAD4499

RIAD4521

RIAD4522

FFIEC 031Page RI-8


10

Schedule RI-EContinued

7.a.

7.b.

8.a.

8.b.

Year-to-date

TEXT4521

TEXT4522

TEXT4498

TEXT4499

ThouBil Mil

I499I498

Includes cash items in process of collection and unposted debits.

Includes time certificates of deposit not held for trading.

ASSETS

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

a. Noninterest-bearing balances and currency and coin ...........................................................

b. Interest-bearing balances .................................................................................................

2. Securities:

a. Held-to-maturity securities (from Schedule RC-B, column A) .................................................

b. Available-for-sale securities (from Schedule RC-B, column D) ................................................

3. Federal funds sold and securities purchased under agreements to resell .......................................

4. Loans and lease financing receivables:

a. Loans and leases, net of unearned income (from Schedule RC-C) ...........

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

c. LESS: Allocated transfer risk reserve ..................................................

d. Loans and leases, net of unearned income,

allowance, and reserve (item 4.a minus 4.b and 4.c) ............................................................

5. Trading assets (from Schedule RC-D) ....................................................................................

6. Premises and fixed assets (including capitalized leases) ...........................................................

7. Other real estate owned (from Schedule RC-M) .......................................................................

8. Investments in unconsolidated subsidiaries and associated companies (from Schedule RC-M) .......

9. Customers liability to this bank on acceptances outstanding ....................................................

10. Intangible assets (from Schedule RC-M) .................................................................................

11. Other assets (from Schedule RC-F) ........................................................................................

12. Total assets (sum of items 1 through 11) ...............................................................................

Consolidated Report of Condition for Insured Commercial

and State-Chartered Savings Banks for September 30, 1997

1.a.

1.b.

2.a.

2.b.

3.

4.a.

4.b.

4.c.

4.d.

5.

6.

7.

8.

9.

10.

11.

12.


RCFD0081RCFD0071

RCFD1754

RCFD1773

RCFD1350

RCFD2125

RCFD3545

RCFD2145

RCFD2150

RCFD2130

RCFD2155

RCFD2143

RCFD2160

RCFD2170

All schedules are to be reported in thousands of dollars. Unless otherwise indicated,

report the amount outstanding as of the last business day of the quarter.

Schedule RCBalance Sheet

RCFD2122

RCFD3123

RCFD3128

FFIEC 031Page RC-1

11

C400

ThouBil Mil

Legal Title of Bank

City

Zip CodeState


LIABILITIES

13. Deposits:

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

part I) ...........................................................................................................................

(1) Noninterest-bearing ..................................................................

(2) Interest-bearing .........................................................................

b. In foreign offices, Edge and Agreement subsidiaries, and IBFs (from Schedule RC-E,

part II) ...........................................................................................................................

(1) Noninterest-bearing ...................................................................

(2) Interest-bearing ........................................................................

14. Federal funds purchased and securities sold under agreements to repurchase .............................

15. a. Demand notes issued to the U.S. Treasury .........................................................................

b. Trading liabilities (from Schedule RC-D) ..............................................................................

16. Other borrowed money (includes mortgage indebtedness and obligations under

capitalized leases):

a. With a remaining maturity of one year or less .....................................................................

b. With a remaining maturity of more than one year through three years .....................................

c. With a remaining maturity of more than three years ..............................................................

17. Not applicable

18. Bank's liability on acceptances executed and outstanding .......................................................

19. Subordinated notes and debentures .....................................................................................

20. Other liabilities (from Schedule RC-G) ...................................................................................

21. Total liabilities (sum of items 13 through 20) ........................................................................

22. Not applicable

EQUITY CAPITAL

23. Perpetual preferred stock and related surplus .........................................................................

24. Common stock ..................................................................................................................

25. Surplus (exclude all surplus related to preferred stock) ............................................................

26. a. Undivided profits and capital reserves ................................................................................

b. Net unrealized holding gains (losses) on available-for-sale securities .......................................

27. Cumulative foreign currency translation adjustments ..............................................................

28. Total equity capital (sum of items 23 through 27) ..................................................................

29. Total liabilities and equity capital (sum of items 21 and 28) .......................................................

Memorandum

To be reported only with the March Report of Condition.

1. Indicate in the box at the right the number of the statement below that best describes the

most comprehensive level of auditing work performed for the bank by independent external

auditors as of any date during 1996 ...............................................................................................


RCON2200

RCFN2200

RCFD2800

RCON2840

RCFD3548

RCFD2332

RCFDA547

RCFDA548

RCFD2920

RCFD3200

RCFD2930

RCFD2948

RCFD3838

RCFD3230

RCFD3839

RCFD3632

RCFD8434

RCFD3284

RCFD3210

RCFD3300

Schedule RCContinued

Includes total demand deposits and noninterest-bearing time and savings deposits.

Includes limited-life preferred stock and related surplus.

1 = Independent audit of the bank conducted in accordance with

generally accepted auditing standards by a certified public

accounting firm which submits a report on the bank

2 = Independent audit of the bank's parent holding company con-

ducted in accordance with generally accepted auditing standards

by a certified public accounting firm which submits a report on the

consolidated holding company (but not on the bank separately)

3 =Directors' examination of the bank conducted in accordance with

generally accepted auditing standards by a certified public

accounting firm (may be required by state chartering authority)

4 =Directors' examination of the bank performed by other external

auditors (may be required by state chartering authority)

5 =Review of the bank's financial statements by external auditors

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

auditors

7 =Other audit procedures (excluding tax preparation work)

8 =No external audit work

13.a.

13.a.(1)

13.a.(2)

13.b.

13.b.(1)

13.b.(2)

14.

15.a.

15.b.

16.a.

16.b.

16.c.

18.

19.

20.

21.

23.

24.

25.

26.a.

26.b.

27.

28.

29.

M.1.

RCON6631

RCON6636

RCFN6631

RCFN6636

RCFD6724

Number

FFIEC 031Page RC-2

12

ThouBil Mil

1. U.S. Treasury securities ........

2. U.S. Government agency

obligations (exclude

mortgage-backed securities):

a. Issued by U.S. Govern-

ment agencies ..................

b. Issued by U.S.

Government-sponsored

agencies ..........................

1. Noninterest-bearing balances due from commercial banks in the U.S. (included in item 2,

column B above) ...................................................................................................................

1. Cash items in process of collection, unposted debits, and currency and

coin ....................................................................................................

a. Cash items in process of collection and unposted debits ........................

b. Currency and coin .............................................................................

2. Balances due from depository institutions in the U.S. ................................

a. U.S. branches and agencies of foreign banks (including their IBFs) ...........

b. Other commercial banks in the U.S. and other depository institutions

in the U.S. (including their IBFs) ..........................................................

3. Balances due from banks in foreign countries and foreign central banks........

a. Foreign branches of other U.S. banks ...................................................

b. Other banks in foreign countries and foreign central banks ......................

4. Balances due from Federal Reserve Banks ................................................

5. Total (sum of items 1 through 4) (total of column A must equal

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

Memorandum


RCFD0022

RCFD0083

RCFD0085

RCFD0073

RCFD0074

RCFD0090

RCFD0010


1.

1.a.

1.b.

2.

2.a.

2.b.

3.

3.a.

3.b.

4.

5.

M.1.

RCON0020

RCON0080

RCON0082

RCON0070

RCON0090

RCON0010

RCON0050

Schedule RC-ACash and Balances Due From Depository Institutions

Exclude assets held for trading.

FFIEC 031Page RC-3

13Legal Title of Bank


ThouBil Mil

C405

ThouBil Mil

(Column A)Consolidated

Bank

(Column B)DomesticOffices

Includes equity securities without readily determinable fair values at historical cost in item 6.b, column D.

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

participation certificates.

Includes obligations (other than mortgage-backed securities) issued by the Farm Credit System, the Federal Home Loan Bank System, the Federal

Home Loan Mortgage Corporation, the Federal National Mortgage Association, the Financing Corporation, Resolution Funding Corporation, the

Student Loan Marketing Association, and the Tennessee Valley Authority.

RCFD1287

RCFD1293

RCFD1298

RCFD1286

RCFD1291

RCFD1297

RCFD0213

RCFD1290

RCFD1295

RCFD0211

RCFD1289

RCFD1294

Schedule RC-BSecurities

Exclude assets held for trading.

Held-to-maturity Available-for-sale

(Column A)Amortized Cost

(Column B)Fair Value

(Column C)Amortized Cost

(Column D)Fair Value

1.

2.a.

2.b.


C410

ThouBil MilThouBil MilThouBil MilThouBil Mil

Thou Bil Mil

3. Securities issued by states

and political subdivisions

in the U.S.:

a. General obligations ............

b. Revenue obligations ..........

c. Industrial development

and similar obligations .......

4. Mortgage-backed

securities (MBS):

a. Pass-through securities:

(1) Guaranteed by

GNMA ........................

(2) Issued by FNMA

and FHLMC .................

(3) Other pass-through

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

b. Other mortgage-backed

securities (include CMOs,

REMICs, and stripped

MBS):

(1) Issued or guaranteed

by FNMA, FHLMC,

or GNMA .....................

(2) Collateralized

by MBS issued or

guaranteed by FNMA,

FHLMC, or GNMA .........

(3) All other mortgage-

backed securities ..........

5. Other debt securities:

a. Other domestic debt

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

b. Foreign debt

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

6. Equity securities:

a. Investments in mutual

funds and other equity

securities with readily

determinable fair values .......

b. All other equity

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

7. Total (sum of items 1

through 6) (total of

column A must equal

Schedule RC, item 2.a)

(total of column D must

equal Schedule RC,

item 2.b) ..............................

RCFD1678

RCFD1690

RCFD1696

RCFD1701

RCFD1706

RCFD1711

RCFD1716

RCFD1731

RCFD1735

RCFD1739

RCFD1744

RCFDA510

RCFD1752

RCFD1772

3.a.

3.b.

3.c.

4.a.(1)

4.a.(2)

4.a.(3)

4.b.(1)

4.b.(2)

4.b.(3)

5.a.

5.b.

6.a.

6.b.

7.


Schedule RC-BContinued

FFIEC 031Page RC-4

14

RCFD1679

RCFD1691

RCFD1697

RCFD1702

RCFD1707

RCFD1713

RCFD1717

RCFD1732

RCFD1736

RCFD1741

RCFD1746

RCFDA511

RCFD1753

RCFD1773

RCFD1677

RCFD1686

RCFD1695

RCFD1699

RCFD1705

RCFD1710

RCFD1715

RCFD1719

RCFD1734

RCFD1738

RCFD1743

RCFD1771

RCFD1676

RCFD1681

RCFD1694

RCFD1698

RCFD1703

RCFD1709

RCFD1714

RCFD1718

RCFD1733

RCFD1737

RCFD1742

RCFD1754

Held-to-maturity Available-for-sale

(Column A)Amortized Cost

(Column B)Fair Value

(Column C)Amortized Cost

(Column D)Fair Value

ThouBil MilThouBil MilThouBil MilThouBil Mil

Includes equity securities without readily determinable fair values at historical cost in item 6.b, column D.

Memoranda

1. Pledged securities ..............................................................................................................

2. Maturity and repricing data for debt securities (excluding those in nonaccrual status):

a. Securities issued by the U.S. Treasury, U.S. Government agencies, and states and political

subdivisions in the U.S.; other non-mortgage debt securities; and mortgage pass-through

securities other than those backed by closed-end first lien 14 family residential mortgages

with a remaining maturity or repricing frequency of:

(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 14 family residential

mortgages with a remaining maturity or repricing frequency of:

(1) Three months or less ....................................................................................................

(2) Over three months through 12 months ...........................................................................



(5) Over five years through 15 years ...................................................................................

(6) Over 15 years .............................................................................................................

c. Other mortgage-backed securities (include CMOs, REMICs, and stripped MBS; exclude

mortgage pass-through securities) with an expected average life of:

(1) Three years or less .......................................................................................................

(2) Over three years ..........................................................................................................

d. Fixed rate AND floating rate debt securities with a REMAINING MATURITY of one year or

less (included in Memorandum items 2.a through 2.c above) .................................................

3.6. Not applicable

7. Amortized cost of held-to-maturity securities sold or transferred to available-for-sale or

trading securities during the calendar year-to-date (report the amortized cost at date of sale

or transfer) ..........................................................................................................................

8. High-risk mortgage securities (included in the held-to-maturity and available-for-sale

accounts in Schedule RC-B, item 4.b):

a. Amortized cost ...............................................................................................................

b. Fair value .......................................................................................................................

9. Structured notes (included in the held-to-maturity and available-for-sale accounts in

Schedule RC-B, items 2, 3, and 5):

a. Amortized cost ...............................................................................................................

b. Fair value ......................................................................................................................

Includes held-to-maturity securities at amortized cost and available-for-sale securities at fair value.

Exclude equity securities, e.g., investments in mutual funds, Federal Reserve stock, common stock, and preferred stock.

Report fixed rate debt securities by remaining maturity and floating rate debt securities by repricing frequency.

Sum of Memorandum items 2.a.(1) through 2.a.(6) plus any nonaccrual debt securities in the categories of debt securities reported in

Memorandum item 2.a that are included in Schedule RC-N, item 9, column C, must equal Schedule RC-B, sum of items 1, 2, 3, and 5,

columns A and D, plus mortgage pass-through securities other than those backed by closed-end first lien 14 family residential mortgages

included in Schedule RC-B, item 4.a, columns A and D.

Sum of Memorandum items 2.b.(1) through 2.b.(6) plus any nonaccrual mortgage pass-through securities backed by closed-end first lien

14 family residential mortgages included in Schedule RC-N, item 9, column C, must equal Schedule RC-B, item 4.a, sum of columns A

and D, less the amount of mortgage pass-through securities other than those backed by closed-end first lien 14 family residential mortgages

included in Schedule RC-B, item 4.a, columns A and D.

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, item 4.b, sum of columns A and D.

3, 5


Schedule RC-BContinued

4

RCFD0416

RCFDA549

RCFDA550

RCFDA551

RCFDA552

RCFDA553

RCFDA554

RCFDA555

RCFDA556

RCFDA557

RCFDA558

RCFDA559

RCFDA560

RCFDA561

RCFDA562

RCFDA248

RCFD1778

RCFD8780

RCFD8781

RCFD8782

RCFD8783

M.1.

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.(1)

M.2.c.(2)

M.2.d.

M.7.

M.8.a.

M.8.b.

M.9.a.

M.9.b.

1, 2

FFIEC 031Page RC-5

15Legal Title of Bank


C412

ThouBil Mil

5

6

3, 4

6

1. Loans secured by real estate .............................................................

a. Construction and land development ................................................

b. Secured by farmland (including farm residential and other

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

c. Secured by 14 family residential properties:

(1) Revolving, open-end loans secured by 14 family residential

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

(2) All other loans secured by 14 family residential properties:

(a) Secured by first liens ..........................................................

(b) Secured by junior liens ........................................................

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

e. Secured by nonfarm nonresidential properties ..................................

2. Loans to depository institutions:

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. Acceptances of other banks:

a. Of U.S. banks ..............................................................................

b. Of foreign banks ...........................................................................

6. Loans to individuals for household, family, and other personal

expenditures (i.e., consumer loans) (includes purchased paper) ..............

a. Credit cards and related plans (includes check credit and other

revolving credit plans) ....................................................................

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

7. Loans to foreign governments and official institutions (including

foreign central banks) .......................................................................

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

subdivisions in the U.S. (includes nonrated industrial development

obligations) .....................................................................................

9. Other loans .....................................................................................

a. Loans for purchasing or carrying securities (secured and unsecured) .....

b. All other loans (exclude consumer loans) .........................................

10. Lease financing receivables (net of unearned income) ...........................

a. Of U.S. addressees (domicile) ........................................................

b. Of non-U.S. addressees (domicile) ..................................................

11. LESS: Any unearned income on loans reflected in items 19 above ........

12. Total loans and leases, net of unearned income (sum of items 1

through 10 minus item 11) (total of column A must equal

Schedule RC, item 4.a) .....................................................................

RCFD1410

RCFD1506

RCFD1507

RCFD1517

RCFD1513

RCFD1516

RCFD1590

RCFD1763

RCFD1764

RCFD1756

RCFD1757

RCFD2008

RCFD2011

RCFD2081

RCFD2107

RCFD1563

RCFD2182

RCFD2183

RCFD2123

RCFD2122

1.

1.a.

1.b.

1.c.(1)

1.c.(2)(a)

1.c.(2)(b)

1.d.

1.e.

2.a.

2.a.(1)

2.a.(2)

2.b.

2.c.

2.c.(1)

2.c.(2)

3.

4.a.

4.b.

5.a.

5.b.

6.

6.a.

6.b.

7.

8.

9.

9.a.

9.b.

10.

10.a.

10.b.

11.

12.

FFIEC 031Page RC-6

RCON1415

RCON1420

RCON1797

RCON5367

RCON5368

RCON1460

RCON1480

RCON1505

RCON1517

RCON1510

RCON1590

RCON1763

RCON1764

RCON1756

RCON1757

RCON1975

RCON2081

RCON2107

RCON1545

RCON1564

RCON2165

RCON2123

RCON2122


(Column A)Consolidated

Bank

(Column B)DomesticOffices

16Schedule RC-CLoans and Lease Financing Receivables

Do not deduct the allowance for loan and lease losses from amounts

reported in this schedule. Report total loans and leases, net of unearned

income. Exclude assets held for trading and commercial paper.

Part I. Loans and Leases

C415

ThouBil MilThouBil Mil

Report fixed rate loans and leases by remaining maturity and floating rate loans by repricing frequency.

Sum of Memorandum items 3.a.(1) through 3.a.(6) plus total nonaccrual closed-end loans secured by first liens on 14 family residential

properties in domestic offices included in Schedule RC-N, Memorandum item 3.c.(2), column C, must equal total closed-end loans secured by

first liens on 14 family residential properties from Schedule RC-C, part I, item 1.c.(2)(a), column B.

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

column C, minus nonaccrual closed-end loans secured by first liens on 14 family residential properties in domestic offices included in

Schedule RC-N, Memorandum item 3.c.(2), column C, must equal total loans and leases from Schedule RC-C, part I, sum of items 1 through

10, column A, minus total closed-end loans secured by first liens on 14 family residential properties in domestic offices from Schedule RC-C,

part I, item 1.c.(2)(a), column B.

As defined for Schedule RC-C, part I, item 1.e., column B.

As defined for Schedule RC-C, part I, item 4, column A.

1. Not applicable

2. Loans and leases restructured and in compliance with modified terms (included in

Schedule RC-C, part I, above and not reported as past due or nonaccrual in Schedule RC-N,

Memorandum item 1):

a. Loans secured by real estate:

(1) To U.S. addressees (domicile) .......................................................................................

(2) To non-U.S. addressees (domicile) .................................................................................

b. All other loans and all lease financing receivables (exclude loans to

individuals for household, family, and other personal expenditures) .........................................

c. Commercial and industrial loans to and lease financing receivables

of non-U.S. addressees (domicile) included in Memorandum item 2.b

above ..............................................................................................................................

3. Maturity and repricing data for loans and leases (excluding those in nonaccrual status):

a. Closed-end loans secured by first liens on 14 family residential properties in domestic

offices with a remaining maturity or repricing frequency of:

(1) Three months or less ...................................................................................................

(2) Over three months through 12 months ..........................................................................




(6) Over 15 years ............................................................................................................

b. All loans and leases other than closed-end loans secured by first liens on 14 family

residential properties in domestic offices with a remaining maturity or repricing

frequency of:

(1) Three months or less ...................................................................................................

(2) Over three months through 12 months ..........................................................................




(6) Over 15 years ............................................................................................................

c. Fixed rate AND floating rate loans and leases with a REMAINING MATURITY of one year

or less (included in Memorandum items 3.a and 3.b above) ...................................................

d. Fixed rate AND floating rate loans secured by nonfarm nonresidential properties in

domestic offices with a REMAINING MATURITY of over five years (included in

Memorandum item 3.b above) ...........................................................................................

e. Fixed rate AND floating rate commercial and industrial loans with a REMAINING

MATURITY of over three years (included in Memorandum item 3.b above) ..............................

M.2.a.(1)

M.2.a.(2)

M.2.b.

M.2.c.

M.3.a.(1)

M.3.a.(2)

M.3.a.(3)

M.3.a.(4)

M.3.a.(5)

M.3.a.(6)

M.3.b.(1)

M.3.b.(2)

M.3.b.(3)

M.3.b.(4)

M.3.b.(5)

M.3.b.(6)

M.3.c.

M.3.d.

M.3.e.

RCFD1687

RCFD1689

RCFD8691

RCFD8692

RCONA564

RCONA565

RCONA566

RCONA567

RCONA568

RCONA569

RCFDA570

RCFDA571

RCFDA572

RCFDA573

RCFDA574

RCFDA575

RCFDA247

RCONA577

RCFDA578

FFIEC 031Page RC-7


17

Schedule RC-CContinued

Memoranda

Part I. Continued

ThouBil Mil

1, 2

5

4

1, 3

4

5

ASSETS

1. U.S. Treasury securities in domestic offices ...........................................................................

2. U.S. Government agency obligations in domestic offices (exclude mortgage-backed

securities) ............................................................................................................................

3. Securities issued by states and political subdivisions in the U.S. in domestic offices ....................

4. Mortgage-backed securities (MBS) in domestic offices:

a. Pass-through securities issued or guaranteed by FNMA, FHLMC, or GNMA .............................

b. Other mortgage-backed securities issued or guaranteed by FNMA, FHLMC, or GNMA

(include CMOs, REMICs, and stripped MBS) .......................................................................

c. All other mortgage-backed securities .................................................................................

5. Other debt securities in domestic offices ...............................................................................

6. Certificates of deposit in domestic offices .............................................................................

7. Commercial paper in domestic offices ...................................................................................

8. Bankers acceptances in domestic offices ...............................................................................

9. Other trading assets in domestic offices ................................................................................

10. Trading assets in foreign offices ...........................................................................................

11. Revaluation gains on interest rate, foreign exchange rate, and other commodity and equity

contracts:

a. In domestic offices ..........................................................................................................

b. In foreign offices .............................................................................................................

12. Total trading assets (sum of items 1 through 11) (must equal Schedule RC, item 5) ....................

LIABILITIES

13. Liability for short positions ...................................................................................................

14. Revaluation losses on interest rate, foreign exchange rate, and other commodity and equity

contracts ...........................................................................................................................

15. Total trading liabilities (sum of items 13 and 14) (must equal Schedule RC, item 15.b) ................


1.

2.

3.

4.a.

4.b.

4.c.

5.

6.

7.

8.

9.

10.

11.a.

11.b.

12.

13.

14.

15.

RCON3531

RCON3532

RCON3533

RCON3534

RCON3535

RCON3536

RCON3537

RCON3538

RCON3539

RCON3540

RC0N3541

RCFN3542

RC0N3543

RCFN3543

RCFD3545

FFIEC 031Page RC-8

18

Schedule RC-DTrading Assets and Liabilities

Schedule RC-D is to be completed only by banks with $1 billion or more in total assets or with $2 billion or more in par/notional

amount of off-balance sheet derivative contracts (as reported in Schedule RC-L, items 14.a through 14.e, columns A through D).

RCFD3546

RCFD3547

RCFD3548

C420

ThouBil Mil

ThouBil Mil

M.4.

M.5.

M.6.

4. 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 A,

page RC-6 .........................................................................................................................

5. Loans and leases held for sale (included in Schedule RC-C, part I, page RC-6) ...............................

6. Adjustable rate closed-end loans secured by first liens on 14 family residential properties in

domestic offices (included in Schedule RC-C, part I, item 1.c.(2)(a), column B, page RC-6) ...........


Schedule RC-CContinued

Memoranda (continued)

Part I. Continued

RCFD2746RCFD5369

RCON5370

ThouBil Mil

Exclude loans secured by real estate that are included in Schedule RC-C, part I, item 1, column A.

Legal Title of Bank

City

Zip CodeState


Memoranda

1. Selected components of total deposits (i.e., sum of item 9, columns A and C):

a. Total Individual Retirement Accounts (IRAs) and Keogh Plan accounts ...................................

b. Total brokered deposits ....................................................................................................

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

(1) Issued in denominations of less than $100,000 ..............................................................

(2) Issued either in denominations of $100,000 or in denominations greater than

$100,000 and participated out by the broker in shares of $100,000 or less .....................

d. Maturity data for brokered deposits:

(1) Brokered deposits issued in denominations of less than $100,000 with a remaining

maturity of one year or less (included in Memorandum item 1.c.(1) above) .........................

(2) Brokered deposits issued in denominations of $100,000 or more with a remaining

maturity of one year or less (included in Memorandum item 1.b above) .............................

e. Preferred deposits (uninsured deposits of states and political subdivisions in the U.S.

reported in item 3 above which are secured or collateralized as required under state law) .........

2. Components of total nontransaction accounts (sum of Memorandum items 2.a through 2.c

must equal item 9, column C above):

a. Savings deposits:

(1) Money market deposit accounts (MMDAs) ....................................................................

(2) Other savings deposits (excludes MMDAs) ....................................................................

b. Total time deposits of less than $100,000 .........................................................................

c. Total time deposits of $100,000 or more .............................................................................

3. All NOW accounts (included in column A above) ......................................................................

4. Not applicable

Deposits of:

1. Individuals, partnerships, and corporations .............

2. U.S. Government ...............................................

3. States and political subdivisions in the U.S. ...........

4. Commercial banks in the U.S. ..............................

5. Other depository institutions in the U.S. ................

6. Banks in foreign countries ....................................

7. Foreign governments and official institutions

(including foreign central banks) ...........................

8. Certified and official checks .................................

9. Total (sum of items 1 through 8) (sum of

columns A and C must equal Schedule RC,

item 13.a) .........................................................


RCON6835RCON2365

RCON2343

RCON2344

RCONA243

RCONA244

RCON5590

RCON6810

RCON0352

RCON6648

RCON2604

RCON2398

Schedule RC-EDeposit Liabilities

FFIEC 031Page RC-9

19

Part I. Deposits in Domestic Offices

Transaction Accounts

Nontransaction

Accounts

(Column A)Total transaction

accounts (includingtotal demand

deposits)

(Column B)Memo: Total

demand deposits(included incolumn A)

(Column C)Total

nontransactionaccounts

(including MMDAs)

RCON2346

RCON2520

RCON2530

RCON2550

RCON2349

RCON2236

RCON2377

RCON2385

RCON2240

RCON2280

RCON2290

RCON2310

RCON2312

RCON2320

RCON2300

RCON2330

RCON2210

RCON2201

RCON2202

RCON2203

RCON2206

RCON2207

RCON2213

RCON2216

RCON2330

RCON2215


C425

ThouBil MilThouBil MilThouBil Mil

1.

2.

3.

4.

5.

6.

7.

8.

9.

M.1.a.

M.1.b.

M.1.c.(1)

M.1.c.(2)

M.1.d.(1)

M.1.d.(2)

M.1.e.

M.2.a.(1)

M.2.a.(2)

M.2.b.

M.2.c.

M.3.

ThouBil Mil

5. 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 repricing frequency of:

(1) Three months or less .....................................................................................................

(2) Over three months through 12 months ............................................................................

(3) Over one year through three years ..................................................................................

(4) Over three years ...........................................................................................................

b. Fixed rate AND floating rate time deposits of less than $100,000 with a REMAINING

MATURITY of one year or less (included in Memorandum items 5.a.(1) through 5.a.(4)

above) ...............................................................................................................................

6. Maturity and repricing data for time deposits of $100,000 or more:

a. Time deposits of $100,000 or more with a remaining maturity or repricing frequency of:

(1) Three months or less .....................................................................................................

(2) Over three months through 12 months ............................................................................

(3) Over one year through three years ..................................................................................

(4) Over three years ...........................................................................................................

b. Fixed rate AND floating rate time deposits of $100,000 or more with a REMAINING

MATURITY of one year or less (included in Memorandum items 6.a.(1) through 6.a.(4)

above) ..............................................................................................................................


M.5.a.(1)

M.5.a.(2)

M.5.a.(3)

M.5.a.(4)

M.5.b.

M.6.a.(1)

M.6.a.(2)

M.6.a.(3)

M.6.a.(4)

M.6.b.

RCONA579

RCONA580

RCONA581

RCONA582

RCONA241

RCONA584

RCONA585

RCONA586

RCONA587

RCONA242

Schedule RC-EContinued

FFIEC 031Page RC-10

20

Part I. Continued

Memoranda (continued)

Legal Title of Bank


ThouBil Mil

Report fixed rate time deposits by remaining maturity and floating rate time deposits by repricing frequency.

Sum of Memorandum items 5.a.(1) through 5.a.(4) must equal Schedule RC-E, Memorandum item 2.b above.

Sum of Memorandum items 6.a.(1) through 6.a.(4) must equal Schedule RC-E, Memorandum item 2.c above.

1, 2

1, 3

Deposits of:

1. Individuals, partnerships, and corporations .............................................................................

2. U.S. banks (including IBFs and foreign branches of U.S. banks) ................................................

3. Foreign banks (including U.S. branches and agencies of foreign banks, including their IBFs) .........

4. Foreign governments and official institutions (including foreign central banks) ............................

5. Certified and official checks .................................................................................................

6. All other deposits ................................................................................................................

7. Total (sum of items 1 through 6) (must equal Schedule RC, item 13.b) ......................................

Memorandum

1. Time deposits with a remaining maturity of one year or less (included in Part II, item 7 above) ........

1. Income earned, not collected on loans ...................................................................................

2. Net deferred tax assets ......................................................................................................

3. Interest-only strips receivable (not in the form of a security) on:

a. Mortgage loans ................................................................................................................

b. Other financial assets ......................................................................................................

4. Other (itemize and describe amounts that exceed 25% of this item) ..........................................

a.

b.

c.

5. Total (sum of items 1 through 4) (must equal Schedule RC, item 11) ........................................

Memorandum

1. Deferred tax assets disallowed for regulatory capital purposes ..................................................

1. a. Interest accrued and unpaid on deposits in domestic offices ................................................

b. Other expenses accrued and unpaid (includes accrued income taxes payable) .........................

2. Net deferred tax liabilities ...................................................................................................

3. Minority interest in consolidated subsidiaries ..........................................................................

4. Other (itemize and describe amounts that exceed 25% of this item) ..........................................

a.

b.

c.

5. Total (sum of items 1 through 4) (must equal Schedule RC, item 20) .........................................


Schedule RC-EContinued

FFIEC 031Page RC-11

21

Part II. Deposits in Foreign Offices (including Edge and

Agreement subsidiaries and IBFs)

Schedule RC-FOther Assets

Schedule RC-GOther Liabilities

1.

2.

3.

4.

5.

6.

7.

M.1.

RCFN2621

RCFN2623

RCFN2625

RCFN2650

RCFN2330

RCFN2668

RCFN2200


1.

2.

3.a.

3.b.

4.

4.a.

4.b.

4.c.

5.

M.1.

RCFD2164

RCFD2148

RCFDA519

RCFDA520

RCFD2168

RCFD2160


1.a.

1.b.

2.

3.

4.

4.a.

4.b.

4.c.

5.

RCON3645

RCFD3646

RCFD3049

RCFD3000

RCFD2938

RCFD2930


RCFD5610

RCFD3549

RCFD3550

RCFD3551

TEXT3552

TEXT3553

TEXT3554

RCFD3552

RCFD3553

RCFD3554

See discussion of deferred income taxes in Glossary entry on income taxes. Report interest-only strips receivable in the form of a security as available-for-sale securities in Schedule RC, item 2.b, or as trading assets in Schedule RC, item 5, as appropriate.

For savings banks, include dividends accrued and unpaid on deposits.

TEXT3549

TEXT3550

TEXT3551

ThouBil Mil

C430

ThouBil Mil

ThouBil Mil

C435

ThouBil Mil

Dollar Amounts in ThousandsRCFNA245

ThouBil Mil

Consolidated Reports of Condition and Income for A … · 1997-09-22 · Consolidated Reports of...

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Transcript of Consolidated Reports of Condition and Income for A … · 1997-09-22 · Consolidated Reports of...