FFIEC 032: Consolidated Reports of Condition and Income .../PDF/FFIEC_forms/FFIEC032_200012.pdf2...

Board of Governors of the Federal Reserve SystemOMB Number: 7100-0036Federal Deposit Insurance CorporationOMB Number: 3064-0052Offi ce of the Comptroller of the CurrencyOMB Number: 1557-0081Expires March 31, 2002Federal Financial Institutions Examination Council

Consolidated Reports of Condition and Income forA Bank With Domestic Offi ces Only andTotal Assets of $300 Million or More—FFIEC 032Report at the close of business December 31, 2000

(20001231)(RCRI 9999)

Please refer to page i,Table of Contents, forthe required disclosureof estimated burden.

1

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

This report form is to be fi led by banks with domestic offi ces only. Banks with foreign offi ces (as defi ned in the instructions) must fi le FFIEC 031.

NOTE: The Reports of Condition and Income must be signed by an authorized offi cer and the Report of Condition must be attested to by not less than two directors (trustees) for State nonmember banks and three directors for State member and National banks.

I,

of the named bank do hereby declare that the Reports of Condition and Income (including the supporting schedules) for this report date have been prepared in conformance with the instructions issued by the appropriate Federal regulatory author-ity and are true to the best of my knowledge and belief.

Name and Title of Offi cer Authorized to Sign Report

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

We, the undersigned directors (trustees), attest to the correct ness of the Report of Condition (including the supporting schedules) for this report date and declare that it has been examined by us and to the best of our knowledge and belief has been prepared in conformance with the instructions issued by the appropriate Fed-eral regulatory authority and is true and correct.

Signature of Offi cer Authorized to Sign Report

Date of Signature

Director (Trustee)

Director (Trustee)

Director (Trustee)

Submission of ReportsEach bank must prepare its Reports of Condition and Income either:(a) in electronic form and then fi le the computer data fi le directly

with the banking agencies’ collection agent, Electronic Data Systems Corporation (EDS), by modem or on computer diskette; or

(b) in hard-copy (paper) form and arrange for another party to convert the paper report to electronic form. That party (if other than EDS) must transmit the bank’s computer data fi le to EDS.

For electronic fi ling assistance, contact EDS Call Report Services, 2150 N. Prospect Ave., Milwaukee, WI 53202, tele-phone (800) 255-1571.

To fulfi ll the signature and attestation requirement for the Reports of Condition and Income for this report date, attach this signature page (or a photocopy or a computer-generated version of this page) to the hard-copy record of the completed report that the bank places in its fi les.

FDIC Certifi cate Number(RCRI 9050)

http://Primary Internet Web Address of Bank (Home Page), if any (TEXT 4087)(Example: www.examplebank.com)

Legal Title of Bank (TEXT 9010)

City (TEXT 9130)

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

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

2

FFIEC 032Page i

Consolidated Reports of Condition and Income forA Bank With Domestic Offi ces Only and Total Assets of $300 Million or More

Table of Contents

Signature Page Cover

Report of Income

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

Schedule RI-A—Changes in Equity Capital .................RI-3

Schedule RI-B—Charge-offs and Recoveries onLoans and Leases and Changes in Allowance for Credit Losses ..................................................RI-4, 5

Schedule RI-E—Explanations ..................................RI-5, 6

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

Schedule RC-C—Loans and Lease FinancingReceivables:

Part I. Loans and Leases ...............................RC-6, 7, 8Part II. Loans to Small Businesses and

Small Farms (to be completed for theJune report only; not included in theforms for the September andDecember reports) .....................................RC-8a, 8b

Schedule RC-D—Trading Assets and Liabilities(to be completed only by selected banks)..............RC-8

Schedule RC-E—Deposit Liabilities .....................RC-9, 10

Schedule RC-F—Other Assets................................. RC-11

Schedule RC-G—Other Liabilities............................ RC-11

Schedule RC-K—Quarterly Averages ......................RC-12

Schedule RC-L—Off-Balance Sheet Items ........................................................RC-13, 14, 15

Schedule RC-M—Memoranda ...........................RC-16, 17

Schedule RC-N—Past Due and NonaccrualLoans, Leases, and Other Assets ..................RC-18, 19

Schedule RC-O—Other Data for DepositInsurance and FICO Assessments.................RC-20, 21

Schedule RC-R—Regulatory Capital .................RC-22, 23

Optional Narrative Statement Concerningthe Amounts Reported in the Reportsof Condition and Income ......................................RC-24

Special Report (to be completed by all banks)

Disclosure of Estimated Burden

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 Offi ce of Informa-tion and Regulatory Affairs, Offi ce of Management and Budget, Washington, D.C. 20503, and to one of the following:

SecretaryBoard of Governors of the Federal Reserve SystemWashington, D.C. 20551

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

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

For information or assistance, national and state nonmember banks should contact the FDIC’s Reports Analysis and Quality Control

Section, 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.

RIAD 4011 RIAD 4024 RIAD 4012 RIAD 4054 RIAD 4055 RIAD 4056 RIAD 4503 RIAD 4504 RIAD 4058 RIAD 4505 RIAD 4307 RIAD 4115 RIAD 4027 RIAD 4506 RIAD 4507 RIAD 3657 RIAD 3658 RIAD 3659 RIAD 4069 RIAD 4020 RIAD 4107

FFIEC 032Page RI-1

3Legal Title of Bank

City

State Zip Code

FDIC Certifi cate Number

Consolidated Report of Incomefor the period January 1, 2000 –December 31, 2000

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

Schedule RI—Income Statement

Dollar Amounts in ThousandsI380

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

(1) Loans secured by real estate ..................................................................................................(2) Loans to fi nance agricultural production and other loans to farmers .......................................(3) Commercial and industrial loans .............................................................................................(4) Loans to individuals for household, family, and other personal expenditures:

(a) Credit cards and related plans ...........................................................................................(b) Other ..................................................................................................................................

(5) Loans to foreign governments and offi cial institutions..............................................................(6) Obligations (other than securities and leases) of states and political subdivisions

in the U.S.:(a) Taxable obligations ............................................................................................................(b) Tax-exempt obligations ......................................................................................................

(7) All other loans...........................................................................................................................b. Income from lease fi nancing receivables:

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

c. Interest income on balances due from depository institutions1.......................................................d. Interest and dividend income on securities:

(1) U.S. Treasury securities and U.S. Government agency obligations (including mortgage-backed securities issued or guaranteed by FNMA, FHLMC, or GNMA) ..........

(2) Securities issued by states and political subdivisions in the U.S.:(a) Taxable securities ..............................................................................................................(b) Tax-exempt securities ........................................................................................................

(3) Other domestic debt securities (including mortgage-backed securities not issued or guaranteed by FNMA, FHLMC, or GNMA)........................................................................

(4) Foreign debt securities .............................................................................................................(5) Equity securities (including investments in mutual funds) ........................................................

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

1 Includes interest income on time certifi cates of deposit not held for trading.

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

1.a.(4)(a)1.a.(4)(b)1.a.(5)

1.a.(6)(a)1.a.(6)(b)1.a.(7)

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

1.d.(1)

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

1.d.(3)1.d.(4)1.d.(5)1.e.1.f.1.g.

◄ Bil Mil Thou

RIAD 4508

RIAD 4509

RIAD 4511

RIAD A517

RIAD A518

RIAD 4180

RIAD 4185

RIAD 4200

RIAD 4073

RIAD 4070

RIAD 4080

RIAD A220

RIAD 5407

RIAD 5408

RIAD 4135

RIAD 4217

RIAD 4092

FFIEC 032

Page RI-2

4

Schedule RI—Continued

Dollar Amounts in Thousands

Year-to-date

2. Interest expense:

a. Interest on deposits:

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

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

(2) Nontransaction accounts:

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

(b) Other savings deposits ...............................................................

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

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

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 credit losses .......................................................................

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

5. Noninterest income:

a. Income from fi duciary activities ...............................................................

b. Service charges on deposit accounts .....................................................

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 benefi ts ..............................................................

b. Expenses of premises and fi xed assets (net of rental income)

(excluding salaries and employee benefi ts 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).................................................

* Describe on Schedule RI-E—Explanations.

2.a.(1)

2.a.(2)(a)

2.a.(2)(b)

2.a.(2)(c)

2.a.(2)(d)

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.

Bil Mil Thou

RIAD 4074

RIAD 4230

RIAD 4243

RIAD 4079

RIAD 3521

RIAD 3196

RIAD 4093

RIAD 4301

RIAD 4302

RIAD 4300

RIAD 4320

RIAD 4340

3.

4.a.

4.b.

5.g.

6.a.

6.b.

7.d.

8.

9.

10.

11.

12.

RIAD 4513

RIAD 8431

FFIEC 032

Page RI-3



Schedule RI—Continued


I381

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 (included in

Schedule RI, item 8) ..........................................................................................................................

3. Not applicable

4. Number of full-time equivalent employees at end of current period (round to nearest whole

number)..............................................................................................................................................

5.– 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 bank’s acquisition1 .................................

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)........................................................................

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

M.1.

M.2.

M.4.

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.

◄

Bil Mil ThouMemoranda

Number RIAD 4150

RIAD 9106

CC YY MM DD

Bil Mil Thou

YES NO

Bil Mil Thou

Year-to-date

Schedule RI-A—Changes in Equity Capital


I383

1. Total equity capital originally reported in the December 31, 1999, 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. a. Change in net unrealized holding gains (losses) on available-for-sale securities.........................

b. Change in accumulated net gains (losses) on cash fl ow hedges .................................................

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

13. Total equity capital end of current period (sum of items 3 through 12) (must equal

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

1.

2.

3.

4.

5.

6.

7.

8.

9.

10.

11.a.

11.b.

12.

13.

◄ Bil Mil Thou

Indicate decreases and losses in parentheses.

*Describe on Schedule RI-E—Explanations.

RIAD 8757

RIAD 8758

RIAD 8759

RIAD 8760

RIAD 8761

RIAD 8762

RIAD 8763

RIAD A251

RIAD 3215

RIAD 3216

RIAD 3217

RIAD 4340

RIAD 4346

RIAD 4356

RIAD 4470

RIAD 4460

RIAD 4411

RIAD 4412

RIAD 8433

RIAD 4574

RIAD 4415

RIAD 3210

RIAD A530

RIAD 4772

RIAD RIAD 5409 5410

RIAD RIAD 3582 3583

RIAD RIAD 3584 3585

RIAD RIAD 5411 5412

RIAD RIAD 5413 5414

RIAD RIAD 3588 3589

RIAD RIAD 3590 3591

RIAD RIAD 4651 4661

RIAD RIAD 4652 4662

RIAD RIAD 4653 4663

RIAD RIAD 4654 4664

RIAD RIAD 4655 4665

RIAD RIAD 4645 4617

RIAD RIAD 4646 4618

RIAD RIAD 4656 4666

RIAD RIAD 4657 4667

RIAD RIAD 4643 4627

RIAD RIAD 4644 4628

RIAD RIAD 4658 4668

RIAD RIAD 4659 4669

RIAD RIAD 4635 4605

(Column B)

Recoveries

Schedule RI-B— Charge-offs and Recoveries on Loans and Leases and Changes in Allowance for Credit Losses

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

Part I excludes charge-offs and recoveries through

the allocated transfer risk reserve.

Bil Mil Thou Bil Mil Thou

Calendar year-to-date

FFIEC 032

Page RI-4

6


I386

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 fi nance 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 offi cial institutions .................................

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

8. Lease fi nancing receivables:

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

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

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

1.a.

1.b.

2.a.

2.b.

3.

4.a.

4.b.

5.a.

5.b.

6.

7.

8.a.

8.b.

9.

◄(Column A)

Charge-offs



4. Loans to fi nance 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 (sum of Memorandum items 5.a

through 5.e must equal sum of Schedule RI-B, part I, items 1.a

and 1.b, above):

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

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

c. Secured by 1– 4 family residential properties:

(1) Revolving, open-end loans secured by 1– 4 family residential

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

(2) All other loans secured by 1– 4 family residential properties..............

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

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

M.4.

M.5.a.

M.5.b.

M.5.c.(1)

M.5.c.(2)

M.5.d.

M.5.e.


Calendar year-to-date

(Column A)

Charge-offs

(Column B)

RecoveriesMemoranda

RIAD 5415

RIAD 5416

RIAD 5417

RIAD 4461

RIAD 4462

RIAD 4463

RIAD 4531

RIAD 5418

RIAD 5419

RIAD 5420

RIAD 4464

RIAD 4467

RIAD 4468

FFIEC 032

Page RI-5



Schedule RI-B—Continued

Part II. Changes in Allowance for Credit Losses


1. Balance originally reported in the December 31, 1999, Reports of Condition and Income .................

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

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

4. Provision for credit 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 or exceed

Schedule RC, item 4.b) .......................................................................................................................

1.

2.

3.

4.

5.

6.

Bil Mil Thou

*Describe on Schedule RI-E—Explanations

Year-to-date

Schedule RI-E—Explanations

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

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

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


I395

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 fi xed 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 fi xed assets ..............................................................

Itemize and describe the three largest other amounts that exceed 10% of Schedule RI, item 7.c:

e.

f.

g.

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.

◄

Bil Mil Thou

TEXT4461

TEXT4462

TEXT4463

TEXT4464

TEXT4467

TEXT4468

RIAD 3124

RIAD 2419

RIAD 2432

RIAD 4230

RIAD 4815

RIAD A512

RIAD 6373

RIAD 4487

RIAD 4489

RIAD 4492

RIAD 4493

RIAD 4494

RIAD 4495

RIAD 4496

RIAD 4497

RIAD 4498

RIAD 4499

RIAD 4521

RIAD 4522

Year-to-date

FFIEC 032

Page RI-6

8

Schedule RI-E—Continued


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.

b.

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

(itemize and describe all corrections):

a.

b.

7. Other transactions with parent holding company (from Schedule RI-A, item 12)

(itemize and describe all such transactions):

a.

b.

8. Adjustments to allowance for credit 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 briefl y describe, at its

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

No comment

Other explanations (please type or print clearly):

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.

7.a.

7.b.

8.a.

8.b.

Bil Mil Thou

TEXT4496

TEXT4497

TEXT4492

TEXT4493

TEXT4494

TEXT4495

TEXT6373

RIAD4486

TEXT4487

RIAD4488

TEXT4489

RIAD4491

Effect of adopting FAS 133, “Accounting for Derivative Instruments and Hedging Activities”

I398 ◄I399

TEXT4498

TEXT4499

TEXT4521

TEXT4522

(RIAD 4769)

(TEXT 4769)

RCON 0081 RCON 0071 RCON 1754 RCON 1773 RCON 1350 RCON 2125 RCON 3545 RCON 2145 RCON 2150 RCON 2130 RCON 2155 RCON 2143 RCON 2160 RCON 2170

FFIEC 032Page RC-1


City

State Zip Code


Consolidated Report of Condition for Insured Commercialand State-Chartered Savings Banks for December 31, 2000All 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

Dollar Amounts in ThousandsC300

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

a. Noninterest-bearing balances and currency and coin1 .................................................................b. Interest-bearing balances 2............................................................................................................

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 fi nancing 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 fi xed 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) ...........................................................................................

1 Includes cash items in process of collection and unposted debits.2 Includes time certifi cates of deposit not held for trading.

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.

◄ Bil Mil Thou

RCON 2122 RCON 3123 RCON 3128

RCON 2200

RCON 2800

RCON 2840

RCON 3548

RCON 2332

RCON A547

RCON A548

RCON 2920

RCON 3200

RCON 2930

RCON 2948

RCON 3838

RCON 3230

RCON 3839

RCON 3632

RCON 8434

RCON 4336

RCON 3210

RCON 3300

LIABILITIES

13. Deposits:

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

(1) Noninterest-bearing1.........................................................................

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

b. In foreign offi ces, Edge and Agreement subsidiaries, and IBFs....................................................

(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 2................................................................................................

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 profi ts and capital reserves ..........................................................................................

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

c. Accumulated net gains (losses) on cash fl ow hedges ..................................................................

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) ...............................................................

RCON 6724

FFIEC 032

Page RC-2

10

Schedule RC—Continued


1 Includes total demand deposits and noninterest-bearing time and savings deposits.2 Includes limited-life preferred stock and related surplus.

Bil Mil Thou

13.a.

13.a.(1)

13.a.(2)

14.

15.a.

15.b.

16.a.

16.b.

16.c.

18.

19.

20.

21.

23.

24.

25.

26.a.

26.b.

26.c.

28.

29.

RCON 6631

RCON 6636

Memorandum

To be reported with the March Report of Condition.

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

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

auditors as of any date during 1999.................................................................................................................

Number

M.1.

1 = Independent audit of the bank conducted in accordance with

generally accepted auditing standards by a certifi ed public

accounting fi rm 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 certifi ed public accounting fi rm 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 certifi ed public

accounting fi rm (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 fi nancial statements by external auditors

6 = Compilation of the bank’s fi nancial statements by external

auditors

7 = Other audit procedures (excluding tax preparation work)

8 = No external audit work

RCON RCON RCON RCON 0211 0213 1286 1287



RCON 0050

Held-to-maturity

(Column C)

Amortized Cost

(Column B)

Fair Value


(Column A)

Amortized Cost

(Column D)

Fair Value1

Bil Mil Thou Bil Mil ThouDollar Amounts in Thousands

Schedule RC-A—Cash and Balances Due From Depository Institutions

Exclude assets held for trading.

FFIEC 032

Page RC-3



1 Includes equity securities without readily determinable fair values at historical cost in item 6.b, column D.2 Includes Small Business Administration “Guaranteed Loan Pool Certifi cates,” U.S. Maritime Administration obligations, and Export–Import Bank

participation certifi cates.3 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.


C305

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

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

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

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

a. U.S. branches and agencies of foreign banks ................................................................................

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

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

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

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

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

5. Total (sum of items 1 through 4) (must equal Schedule RC, sum of items 1.a and 1.b) .....................

1.a.

1.b.

2.a.

2.b.

3.a.

3.b.

4.

5.

◄ Bil Mil Thou


1. Noninterest-bearing balances due from commercial banks in the U.S. (included in items 2.a and

2.b above)............................................................................................................................................ M.1.

Bil Mil ThouMemorandum

Schedule RC-B—Securities

Exclude assets held for trading.C310

1. U.S. Treasury securities ...

2. U.S. Government agency

obligations (exclude

mortgage-backed

securities):

a. Issued by U.S. Govern-

ment agencies 2............

b. Issued by U.S.

Government-sponsored

agencies 3.....................

1.

2.a.

2.b.

◄Available-for-sale

RCON 0020

RCON 0080

RCON 0083

RCON 0085

RCON 0073

RCON 0074

RCON 0090

RCON 0010












RCON RCON A510 A511

RCON RCON 1752 1753


Bil Mil Thou Bil Mil Thou Bil Mil Thou Bil Mil Thou

(Column C)

Amortized Cost

(Column D)

Fair Value1

(Column A)

Amortized Cost

(Column B)

Fair Value

Held-to-maturity

FFIEC 032

Page RC-4

12Schedule RC-B—Continued

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


3. Securities issued by

states and political sub-

divisions 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 guar-

anteed 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

securities1 ....................

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)............................

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.

Available-for-sale

RCON 0416

RCON A549

RCON A550

RCON A551

RCON A552

RCON A553

RCON A554

RCON A555

RCON A556

RCON A557

RCON A558

RCON A559

RCON A560

RCON A561

RCON A562

RCON A248

RCON 1778

RCON 8782

RCON 8783

FFIEC 032

Page RC-5



Schedule RC-B—Continued

Memoranda

1 Includes held-to-maturity securities at amortized cost and available-for-sale securities at fair value.2 Exclude equity securities, e.g., investments in mutual funds, Federal Reserve stock, common stock, and preferred stock.3 Report fi xed rate debt securities by remaining maturity and fl oating rate debt securities by repricing frequency.4 Sum of Memorandum items 2.a.(1) through 2.a.(6) plus any nonaccrual debt securities in the categories of debt securities reported in

Memorandum item 2.a that are included in Schedule RC-N, item 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 fi rst lien 1– 4 family residential mortgages

included in Schedule RC-B, item 4.a, columns A and D.5 Sum of Memorandum items 2.b.(1) through 2.b.(6) plus any nonaccrual mortgage pass-through securities backed by closed-end fi rst 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 A

and D, less the amount of mortgage pass-through securities other than those backed by closed-end fi rst lien 1– 4 family residential mortgages

included in Schedule RC-B, item 4.a, columns A and D.6 Sum of Memorandum items 2.c.(1) and 2.c.(2) plus any nonaccrual “Other mortgage-backed securities” included in Schedule RC-N, item 9,

column C, must equal Schedule RC-B, item 4.b, sum of columns A and D.


C312

1. Pledged securities1..............................................................................................................................

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

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

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

securities other than those backed by closed-end fi rst lien 1– 4 family residential mortgages

with a remaining maturity or repricing frequency 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 fi ve years .........................................................................................

(5) Over fi ve years through 15 years .............................................................................................

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

b. Mortgage pass-through securities backed by closed-end fi rst lien 1– 4 family residential

mortgages with a remaining maturity or repricing frequency of: 3, 5






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

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

mortgage pass-through securities) with an expected average life of: 6

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

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

d. Debt securities with a REMAINING MATURITY of one year or less (included in

Memorandum items 2.a through 2.c above) ...................................................................................


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. Not applicable

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

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.9.a.

M.9.b.

◄ Bil Mil Thou

RCON 1415

RCON 1420

RCON 1797

RCON 5367

RCON 5368

RCON 1460

RCON 1480

RCON 1506

RCON 1507

RCON 1517

RCON 1513

RCON 1516

RCON 1590

RCON 1763

RCON 1764

RCON 1756

RCON 1757

RCON 2008

RCON 2011

RCON 2081

RCON 2107

RCON 1545

RCON 1564

RCON 2182

RCON 2183

RCON 2123

RCON 2122

Bil Mil Thou


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

b. Secured by farmland (including farm residential and other improvements) ..................................


(1) Revolving, open-end loans secured by 1– 4 family residential properties and extended

under lines of credit ...............................................................................................................

(2) All other loans secured by 1– 4 family residential properties:

(a) Secured by fi rst 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 fi nance agricultural production and other loans to farmers .................................................


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 offi cial institutions (including foreign central banks) ...................

8. Obligations (other than securities and leases) of states and political subdivisions in the U.S...........

9. Other loans:

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

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

10. Lease fi nancing 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 refl ected in items 1– 9 above ................................................

12. Total loans and leases, net of unearned income (sum of items 1 through 10 minus item 11)

(must equal Schedule RC, item 4.a) ..................................................................................................

FFIEC 032

Page RC-6

14

Schedule RC-C—Loans and Lease Financing Receivables

Part I. Loans and Leases

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.


C315

1.a.

1.b.

1.c.(1)

1.c.(2)(a)

1.c.(2)(b)

1.d.

1.e.

2.a.(1)

2.a.(2)

2.b.

2.c.(1)

2.c.(2)

3.

4.a.

4.b.

5.a.

5.b.

6.a.

6.b.

7.

8.

9.a.

9.b.

10.a.

10.b.

11.

12.

◄

RCON 1687

RCON 1689

RCON 8691

RCON 8692

RCON A564

RCON A565

RCON A566

RCON A567

RCON A568

RCON A569

RCON A570

RCON A571

RCON A572

RCON A573

RCON A574

RCON A575

RCON A247

RCON A577

RCON A578

Memoranda

1. Not applicable

2. Loans and leases restructured and in compliance with modifi ed 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 fi nancing receivables (exclude loans to individuals for household,

family, and other personal expenditures) ........................................................................................

c. Commercial and industrial loans to and lease fi nancing 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 fi rst liens on 1– 4 family residential properties (reported

in Schedule RC-C, part I, item 1.c.(2)(a)) with a remaining maturity or repricing

frequency of: 1, 2






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

b. All loans and leases (reported in Schedule RC-C, part I, items 1 through 10)

EXCLUDING closed-end loans secured by fi rst liens on 1– 4 family residential properties

(reported in Schedule RC-C, part I, item 1.c.(2)(a)) with a remaining maturity or repricing

frequency of: 1, 3






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

c. Loans and leases (reported in Schedule RC-C, part I, items 1 through 10) with a

REMAINING MATURITY of one year or less..................................................................................

d. Loans secured by nonfarm nonresidential properties (reported in Schedule RC-C,

part I, item 1.e) with a REMAINING MATURITY of over fi ve years ................................................

e. Commercial and industrial loans (reported in Schedule RC-C, part I, item 4) with a

REMAINING MATURITY of over three years .................................................................................

FFIEC 032

Page RC-7

15

Schedule RC-C—Continued

Part I. Continued


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.

Bil Mil Thou

1 Report fi xed rate loans and leases by remaining maturity and fl oating rate loans by repricing frequency.2 Sum of Memorandum items 3.a.(1) through 3.a.(6) plus total nonaccrual closed-end loans secured by fi rst liens on 1– 4 family residential

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

1– 4 family residential properties from Schedule RC-C, part I, item 1.c.(2)(a).3 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 fi rst liens on 1– 4 family residential properties 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, minus total

closed-end loans secured by fi rst liens on 1– 4 family residential properties from Schedule RC-C, part I, item 1.c.(2)(a).

RCON 3531

RCON 3532

RCON 3533

RCON 3534

RCON 3535

RCON 3536

RCON 3537

RCON 3541

RCON 3543

RCFD 3545

RCON 2746

RCON 5369

RCON 5370

Bil Mil Thou

C320

FFIEC 032

Page RC-8

16


4. Loans to fi nance commercial real estate, construction, and land development activities

(not secured by real estate) included in Schedule RC-C, part I, items 4 and 9.b, page RC-6 1......

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 fi rst liens on 1–4 family residential properties

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

M.4.

M.5.

M.6.

Bil Mil Thou

Schedule RC-C—Continued

Part I. Continued

Legal Title of Bank


1 Exclude loans secured by real estate that are included in Schedule RC-C, part I, items 1.a through 1.e.

Schedule RC-D—Trading 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).


ASSETS

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

2. U.S. Government agency obligations (exclude mortgage-backed securities) ...................................

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

4. Mortgage-backed securities:

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

6.–8. Not applicable

9. Other trading assets...........................................................................................................................

10. Not applicable

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

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

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.

9.

11.

12.

13.

14.

15.

◄ Bil Mil Thou

Memoranda (continued)

RCON 3546

RCON 3547

RCON 3548

RCON 6835

RCON 2365

RCON 2343

RCON 2344

RCON A243

RCON A244

RCON 5590

RCON 6810

RCON 0352

RCON 6648

RCON 2604

RCON 2398

RC0N RCON RCON 2201 2240 2346

RCON RCON RCON 2202 2280 2520






RCON RCON 2330 2330


NontransactionAccountsTransaction Accounts

(Column B)Memo: Total

demand deposits(included incolumn A)

(Column A)Total transaction

accounts (includingtotal demand

deposits)

Bil Mil Thou Bil Mil Thou Bil Mil Thou

FFIEC 032

Page RC-9

17

Schedule RC-E—Deposit Liabilities

Dollar Amounts in ThousandsMemoranda

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) (to be completed for the December report only) .......................................................

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

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.

Bil Mil Thou


C325

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 offi cial institutions

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

8. Certifi ed and offi cial checks ....................................

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

columns A and C must equal Schedule RC,

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

1.

2.

3.

4.

5.

6.

7.

8.

9.

◄

(Column C)Total

nontransactionaccounts

(including MMDAs)

RCON A579

RCON A580

RCON A581

RCON A582

RCON A241

RCON A584

RCON A585

RCON A586

RCON A587

RCON A242

FFIEC 032

Page RC-10

18

Dollar Amounts in ThousandsMemoranda (continued)

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, 2




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

b. Time deposits of less that $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, 3




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

b. 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.

Bil Mil Thou

Schedule RC-E—Continued

Legal Title of Bank


1 Report fi xed rate time deposits by remaining maturity and fl oating rate time deposits by repricing frequency.2 Sum of Memorandum items 5.a.(1) through 5.a.(4) must equal Schedule RC-E, Memorandum item 2.b above.3 Sum of Memorandum items 6.a.(1) through 6.a.(4) must equal Schedule RC-E, Memorandum item 2.c above.

RCON 3645

RCON 3646

RCON 3049

RCON 3000

RCON 2938

RCON 2930

RCON 2164

RCON 2148

RCON A519

RCON A520

RCON 2168

RCON 2160

1. a. Interest accrued and unpaid on deposits 3 ......................................................................................

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

2. Net deferred tax liabilities1 ...................................................................................................................

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) .................................................

FFIEC 032

Page RC-11

19

Schedule RC-F—Other Assets


C330

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

2. Net deferred tax assets1 ......................................................................................................................

3. Interest-only strips receivable (not in the form of a security) 2 on:

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

b. Other fi nancial 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.

2.

3.a.

3.b.

4.

4.a.

4.b.

4.c.

5.

M.1.

◄ Bil Mil Thou

TEXT3549

TEXT3550

TEXT3551

RCON3549

RCON3550

RCON3551

Dollar Amounts in Thousands RCON 5610

Bil Mil Thou

Schedule RC-G—Other Liabilities


C335

1.a.

1.b.

2.

3.

4.

4.a.

4.b.

4.c.

5.

◄ Bil Mil Thou

TEXT3552

TEXT3553

TEXT3554

RCON3552

RCON3553

RCON3554

1 See discussion of deferred income taxes in Glossary entry on “income taxes.”2 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.3 For savings banks, include “dividends” accrued and unpaid on deposits.

RCON 3381

RCON 3382

RCON 3383

RCON 3647

RCON 3648

RCON 3365

RCON 3360

RCON 3385

RCON 3386

RCON 3387

RCON 3388

RCON 3401

RCON 3484

RCON 3368

RCON 3485

RCON 3486

RCON 3487

RCON A514

RCON A529

RCON 3353

RCON 3355

ASSETS

1. Interest-bearing balances due from depository institutions................................................................

2. U.S. Treasury securities and U.S. Government agency obligations 2 (including mortgage-

backed securities issued or guaranteed by FNMA, FHLMC, or GNMA)......................................

3. Securities issued by states and political subdivisions in the U.S. 2 ....................................................

4. a. Other debt securities 2 (including mortgage-backed securities not issued or guaranteed

by FNMA, FHLMC, or GNMA) .....................................................................................................

b. Equity securities 3 (includes investments in mutual funds and Federal Reserve stock) ................

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

6. Loans:

a. Total loans .....................................................................................................................................

b. Loans secured by real estate ........................................................................................................

c. Loans to fi nance agricultural production and other loans to farmers ............................................

d. Commercial and industrial loans ...................................................................................................

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

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

8. Lease and fi nancing receivables (net of unearned income) ..............................................................

9. Total assets 4 ......................................................................................................................................

LIABILITIES

10. Interest-bearing transaction accounts (NOW accounts, ATS accounts, and telephone

and preauthorized transfer accounts) (exclude demand deposits) ....................................................

11. Nontransaction accounts:

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

b. Other savings deposits..................................................................................................................

c. Time deposits of $100,000 or more...............................................................................................

d. Time deposits of less than $100,000.............................................................................................

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

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

capitalized leases) .............................................................................................................................

FFIEC 032

Page RC-12



1.

2.

3.

4.a.

4.b.

5.

6.a.

6.b.

6.c.

6.d.

6.e.

7.

8.

9.

10.

11.a.

11.b.

11.c.

11.d.

12.

13.

Bil Mil ThouDollar Amounts in Thousands

C355 ◄

Schedule RC-K—Quarterly Averages1

1 For all items, banks have the option of reporting either (1) an average of daily fi gures for the quarter, or (2) an average of weekly fi gures

(i.e., the Wednesday of each week of the quarter).2 Quarterly averages for all debt securities should be based on amortized cost.3 Quarterly averages for all equity securities should be based on historical cost.4 The quarterly average for total assets should refl ect all debt securities (not held for trading) at amortized cost, equity securities with readily

determinable fair values at the lower of cost or fair value, and equity securities without readily determinable fair values at historical cost.

RCON 3814

RCON 3815

RCON 3816

RCON 6550

RCON 3817

RCON 3818

RCON 3819

RCON 3821

RCON 3411

RCON 3428

RCON 3429

RCON 3432

RCON 3433

RCON A521

RCON A522

RCON A523

RCON A524

RCON A249

RCON A250

RCON A534

RCON A535

RCON 8765

RCON 3430

1. Unused commitments:

a. Revolving, open-end lines secured by 1– 4 family residential properties, e.g., home equity

lines...............................................................................................................................................

b. Credit card lines ............................................................................................................................

c. Commercial real estate, construction, and land development:

(1) Commitments to fund loans secured by real estate................................................................

(2) Commitments to fund loans not secured by real estate..........................................................

d. Securities underwriting..................................................................................................................

e. Other unused commitments ..........................................................................................................

2. Financial standby letters of credit ......................................................................................................

a. Amount of fi nancial standby letters of credit conveyed to others ............

3. Performance standby letters of credit ................................................................................................

a. Amount of performance standby letters of credit conveyed to others .....

4. Commercial and similar letters of credit .............................................................................................

5. Participations in acceptances (as described in the instructions) conveyed to others by the

reporting bank ....................................................................................................................................

6. Participations in acceptances (as described in the instructions) acquired by the reporting

(nonaccepting) bank ..........................................................................................................................

7. Securities borrowed ...........................................................................................................................

8. Securities lent (including customers’ securities lent where the customer is indemnifi ed against

loss by the reporting bank).................................................................................................................

9. Financial assets transferred with recourse that have been treated as sold for Call Report

purposes:

a. First lien 1– 4 family residential mortgage loans:

(1) Outstanding principal balance of mortgages transferred as of the report date.......................

(2) Amount of recourse exposure on these mortgages as of the report date...............................

b. Other fi nancial assets (excluding small business obligations reported in item 9.c.):

(1) Outstanding principal balance of assets transferred as of the report date .............................

(2) Amount of recourse exposure on these assets as of the report date .....................................

c. Small business obligations transferred with recourse under Section 208 of the Riegle

Community Development and Regulatory Improvement Act of 1994:

(1) Outstanding principal balance of small business obligations transferred as of

the report date ........................................................................................................................

(2) Amount of retained recourse on these obligations as of the report date ................................

10. Notional amount of credit derivatives:

a. Credit derivatives on which the reporting bank is the guarantor ...................................................

b. Credit derivatives on which the reporting bank is the benefi ciary .................................................

11. Spot foreign exchange contracts .......................................................................................................

12. All other off-balance sheet liabilities (exclude off-balance sheet derivatives) (itemize and describe

each component of this item over 25% of Schedule RC, item 28, “Total equity capital”)...................

a.

b.

c.

d.

FFIEC 032

Page RC-13

21

Dollar Amounts in Thousands Bil Mil Thou

1.a.

1.b.

1.c.(1)

1.c.(2)

1.d.

1.e.

2.

2.a.

3.

3.a.

4.

5.

6.

7.

8.

9.a.(1)

9.a.(2)

9.b.(1)

9.b.(2)

9.c.(1)

9.c.(2)

10.a.

10.b.

11.

12.

12.a.

12.b.

12.c.

12.d.

RCON 3820

RCON 3555

RCON 3556

RCON 3557

RCON 3558

Schedule RC-L—Off-Balance Sheet Items

Please read carefully the instructions for the preparation of Schedule RC-L. Some of the amounts

reported in Schedule RC-L are regarded as volume indicators and not necessarily as measures of risk.

C360 ◄

RCON 3822

TEXT3555

TEXT3556

TEXT3557

TEXT3558

RCON 8693 RCON 8694 RCON 8695 RCON 8696







RCON A126 RCON A127 RCON 8723 RCON 8724



RCON A589

RCON 5591


14. Gross amounts (e.g., notional amounts) (for each column, sum of items 14.a through 14.e must equal sum of items 15, 16.a, and 16.b):a. Futures contracts ............................

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

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

(2) Purchased options ....................

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

(2) Purchased options ....................

e. Swaps .............................................

15. Total gross notional amount of derivative contracts held for trading .....

16. Gross notional amount ofderivative contracts held forpurposes other than trading:a. Contracts marked to market ............

b. Contracts not marked to market ......

c. Interest rate swaps where thebank has agreed to pay afi xed rate .........................................

Legal Title of Bank


Schedule RC-L—Continued

C361

14.a.

14.b.

14.c.(1)

14.c.(2)

14.d.(1)

14.d.(2)

14.e.

15.

16.a.

16.b.

16.c.

◄(Column C)

Equity DerivativeContracts

(Column D)Commodity andOther Contracts

Tril Bil Mil Thou

(Column A)Interest Rate

Contracts

(Column B)Foreign Exchange

Contracts

Dollar Amounts in Thousands13. All other off-balance sheet assets (exclude off-balance sheet derivatives) (itemize and describe

each component of this item over 25% of Schedule RC, item 28, “Total equity capital”)..........................

a.b.c.d.

13.

13.a.13.b.13.c.13.d.

Bil Mil Thou


TEXT5592TEXT5593TEXT5594TEXT5595

Tril Bil Mil Thou Tril Bil Mil Thou Tril Bil Mil ThouOff-balance Sheet Derivatives

Position Indicators

FFIEC 032Page RC-14

22

RCON 3833

RCON 3377

RCON 2741

RCON 2742

RCON 2743







Memoranda


3. Unused commitments with an original maturity exceeding one year that are reported in

Schedule RC-L, items 1.a through 1.e, above (report only the unused portions of commitments

that are fee paid or otherwise legally binding) ..........................................................................................

a. Participations in commitments with an original maturity

exceeding one year conveyed to others .......................................................

4. To be completed only by banks with $1 billion or more in total assets:

Standby letters of credit (both fi nancial and performance) issued to non-U.S. addressees

(domicile) included in Schedule RC-L, items 2 and 3, above ...................................................................

5. Loans to individuals for household, family, and other personal expenditures that have been

securitized and sold (with servicing retained), amounts outstanding by type of loan:

a. Loans to purchase private passenger automobiles (to be completed for the

September report only)......................................................................................................................

b. Credit cards and related plans (TO BE COMPLETED QUARTERLY) ................................................

c. All other consumer credit (including mobile home loans) (to be completed for the

September report only)......................................................................................................................

17. Gross fair values:

a. Contracts held for

trading:

(1) Gross positive

fair value ....................

(2) Gross negative

fair value ....................

b. Contracts held for

purposes other than

trading that are marked

to market:

(1) Gross positive

fair value ....................

(2) Gross negative

fair value ....................

c. Contracts held for

purposes other than

trading that are not

marked to market:

(1) Gross positive

fair value ....................

(2) Gross negative

fair value ....................

(Column B)Foreign Exchange

Contracts

(Column C)Equity Derivative

Contracts

Schedule RC-L—Continued

17.a.(1)

17.a.(2)

17.b.(1)

17.b.(2)

17.c.(1)

17.c.(2)


(Column D)Commodity andOther Contracts


(Column A)Interest Rate

Contracts

FFIEC 032

Page RC-15

23


Off-balance Sheet DerivativesPosition Indicators

C362 ◄


M.3.

M.3.a.

M.4.

M.5.a.

M.5.b.

M.5.c.

Bil Mil Thou

RCON 3834

Legal Title of Bank


RCON 6164

RCON 3405

RCON 5500

RCON 5501

RCON 5502

RCON 5503

RCON 5504

RCON 5505

RCON 2103

RCON 2104

RCON 3164

RCON B026

RCON 5507

RCON 3163

RCON 2143

RCON 6442

RCON 3295

FFIEC 032

Page RC-16

24

Schedule RC-M—Memoranda

1 Do not report federal funds sold and securities purchased under agreements to resell with other commercial banks in the U.S. in this item.


C365

1. Extensions of credit by the reporting bank to its executive offi cers, directors, principal

shareholders, and their related interests as of the report date:

a. Aggregate amount of all extensions of credit to all executive offi cers, directors, principal

shareholders, and their related interests ........................................................................................

b. Number of executive offi cers, directors, and principal shareholders to whom the amount

of all extensions of credit by the reporting bank (including extensions of credit to

related interests) equals or exceeds the lesser of $500,000 or 5 percent

of total capital as defi ned for this purpose in agency regulations ......................

2. Federal funds sold and securities purchased under agreements to resell with U.S. branches

and agencies of foreign banks1 (included in Schedule RC, item 3)...................................................

3. Not applicable

4. Outstanding principal balance of 1– 4 family residential mortgage loans serviced for others

(include both retained servicing and purchased servicing):

a. Mortgages serviced under a GNMA contract ..................................................................................

b. Mortgages serviced under a FHLMC contract:

(1) Serviced with recourse to servicer ...........................................................................................

(2) Serviced without recourse to servicer ......................................................................................

c. Mortgages serviced under a FNMA contract:

(1) Serviced under a regular option contract .................................................................................

(2) Serviced under a special option contract .................................................................................

d. Mortgages serviced under other servicing contracts ......................................................................

5. To be completed only by banks with $1 billion or more in total assets:

Customers’ liability to this bank on acceptances outstanding (sum of items 5.a and 5.b must

equal Schedule RC, item 9):

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

b. Non-U.S. addressees (domicile) .....................................................................................................

6. Intangible assets:

a. Mortgage servicing assets ..............................................................................................................

(1) Estimated fair value of mortgage servicing assets ............................

b. Other identifi able intangible assets:

(1) Purchased credit card relationships and nonmortgage servicing assets .................................

(2) All other identifi able intangible assets ......................................................................................

c. Goodwill ..........................................................................................................................................

d. Total (sum of items 6.a, 6.b.(1), 6.b.(2), and 6.c) (must equal Schedule RC, item 10)...................

e. Amount of intangible assets (included in item 6.b.(2) above) that have been grandfathered

or are otherwise qualifying for regulatory capital purposes ............................................................

7. Mandatory convertible debt, net of common or perpetual preferred stock dedicated to

redeem the debt ..................................................................................................................................

1.a.

1.b.

2.

4.a.

4.b.(1)

4.b.(2)

4.c.(1)

4.c.(2)

4.d.

5.a.

5.b.

6.a.

6.a.(1)

6.b.(1)

6.b.(2)

6.c.

6.d.

6.e.

7.

◄ Bil Mil Thou

RCON 6165

RCON A590

Number

RCON 3836

RCON 5372

RCON 5508

RCON 5509

RCON 5510

RCON 5511

RCON 5512

RCON 2150

RCON 5374

RCON 5375

RCON 2130

RCON 3778

RCON 6441

RCON 8427

RCON 8428

RCON 8429

RCON 8430

RCON 8784

RCON A525

RCON A526

RCON A591

FFIEC 032

Page RC-17



Schedule RC-M—Continued

1 Exclude netted on-balance sheet amounts associated with off-balance sheet derivative contracts, deferred tax assets netted against deferred tax liabilities,

and assets netted in accounting for pensions.


8. a. Other real estate owned:

(1) Direct and indirect investments in real estate ventures ..........................................................

(2) All other real estate owned:

(a) Construction and land development.................................................................................

(b) Farmland ..........................................................................................................................

(c) 1– 4 family residential properties ......................................................................................

(d) Multifamily (5 or more) residential properties ...................................................................

(e) Nonfarm nonresidential properties ...................................................................................

(3) Total (sum of items 8.a.(1) and 8.a.(2)) (must equal Schedule RC, item 7)............................

b. Investments in unconsolidated subsidiaries and associated companies:

(1) Direct and indirect investments in real estate ventures ..........................................................

(2) All other investments in unconsolidated subsidiaries and associated companies..................

(3) Total (sum of items 8.b.(1) and 8.b.(2)) (must equal Schedule RC, item 8)............................

9. Noncumulative perpetual preferred stock and related surplus included in Schedule RC,

item 23, “Perpetual preferred stock and related surplus” ...................................................................

10. Mutual fund and annuity sales during the quarter (include proprietary, private label,

and third party products):

a. Money market funds......................................................................................................................

b. Equity securities funds ..................................................................................................................

c. Debt securities funds.....................................................................................................................

d. Other mutual funds........................................................................................................................

e. Annuities .......................................................................................................................................

f. Sales of proprietary mutual funds and annuities (included in items 10.a through

10.e above) ...................................................................................................................................

11. Net unamortized realized deferred gains (losses) on off-balance sheet derivative contracts

included in assets and liabilities reported in Schedule RC ................................................................

12. Amount of assets netted against nondeposit liabilities on the balance sheet (Schedule RC) in

accordance with generally accepted accounting principles1..............................................................

13. Outstanding principal balance of loans other than 1– 4 family residential mortgage loans

that are serviced for others (to be completed if this balance is more than $10 million and

exceeds ten percent of total assets) ..................................................................................................

8.a.(1)

8.a.(2)(a)

8.a.(2)(b)

8.a.(2)(c)

8.a.(2)(d)

8.a.(2)(e)

8.a.(3)

8.b.(1)

8.b.(2)

8.b.(3)

9.

10.a.

10.b.

10.c.

10.d.

10.e.

10.f.

11.

12.

13.

Bil Mil Thou

1. Reciprocal holdings of banking organizations’ capital instruments (to be completed

for the December report only).........................................................................................................


M.1.

Bil Mil ThouMemorandum



















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

(Column B)Past due 90days or more

and stillaccruing

(Column A)Past due

30 through 89days and still

accruing

Bil Mil Thou Bil Mil Thou Bil Mil ThouDollar Amounts in Thousands

C370


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 fi nance agricultural production and

other loans to farmers ...........................................


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 offi cial

institutions .............................................................

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

8. Lease fi nancing receivables:

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

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

9. Debt securities and other assets (exclude

other real estate owned and other repossessed

assets)...................................................................

1.a.

1.b.

2.a.

2.b.

3.

4.a.

4.b.

5.a.

5.b.

6.

7.

8.a.

8.b.

9.

◄(Column C)Nonaccrual

FFIEC 032

Page RC-18

26

The FFIEC regards the information reported in

all of Memorandum item 1, in items 1 through 10,

column A, and in Memorandum items 2 through 4,

column A, as confi dential.

10. Loans and leases reported in items 1 through 8

above which are wholly or partially guaranteed

by the U.S. Government .......................................

a. Guaranteed portion of loans and leases

included in item 10 above ................................

Amounts reported in items 1 through 8 above include guaranteed and unguaranteed portions of past due and nonaccrual loans and

leases. Report in item 10 below certain guaranteed loans and leases that have already been included in the amounts reported in

items 1 through 8.

10.

10.a.

Bil Mil Thou Bil Mil Thou Bil Mil Thou

RCON RCON 3522 3528

RCON RCON 3529 3530









Schedule RC-N—Continued

(Column B)Past due 90days or more

and stillaccruing

(Column A)Past due

30 through 89days and still

accruing

Bil Mil Thou Bil Mil Thou Bil Mil ThouDollar Amounts in Thousands

C373

Memoranda

1. Restructured loans and leases included in

Schedule RC-N, items 1 through 8, above

(and not reported in Schedule RC-C, Part I,

Memorandum item 2) .............................................

2. Loans to fi nance commercial real estate,

construction, and land development activities

(not secured by real estate) included in

Schedule RC-N, items 4 and 7, above ...................

3. Loans secured by real estate (sum of

Memorandum items 3.a through 3.e must

equal sum of Schedule RC-N, items 1.a and

1.b, above):

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

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


(1) Revolving, open-end loans secured by

1– 4 family residential properties and

extended under lines of credit .....................

(2) All other loans secured by 1– 4 family

residential properties ...................................

d. Secured by multifamily (5 or more) residential

properties...........................................................

e. Secured by nonfarm nonresidential properties ..

4. Interest rate, foreign exchange rate, and other

commodity and equity contracts:

a. Book value of amounts carried as assets ..........

b. Replacement cost of contracts with a

positive replacement cost ..................................

M.1.

M.2.

M.3.a.

M.3.b.

M.3.c.(1)

M.3.c.(2)

M.3.d.

M.3.e.

◄(Column C)Nonaccrual

FFIEC 032

Page RC-19

27

M.4.a.

M.4.b.


(Column A)Past due 30

through 89 days

C377 ◄Person to whom questions about the Reports of Condition and Income should be directed:

Name and Title (TEXT 8901)

Telephone: Area code/phone number/extension (TEXT 8902) FAX: Area code/phone number (TEXT 9116)

Legal Title of Bank


(Column B)Past due 90days or moreDollar Amounts in Thousands

RCON 0030

RCON 0031

RCON 0032

RCON 3510

RCON 3512

RCON 3514

RCON 3520

RCON 2211

RCON 2351

RCON 5514

RCON 2314

RCON 2315

RCON 5516

RCON 5517

RCON A531

RCON A532

RCON A533

RCON 5596

RCON 8432

1. Unposted debits (see instructions):

a. Actual amount of all unposted debits ............................................................................................

OR

b. Separate amount of all unposted debits:

(1) Actual amount of unposted debits to demand deposits ..........................................................

(2) Actual amount of unposted debits to time and savings deposits1...........................................

2. Unposted credits (see instructions):

a. Actual amount of all unposted credits ...........................................................................................

OR

b. Separate amount of all unposted credits:

(1) Actual amount of unposted credits to demand deposits .........................................................

(2) Actual amount of unposted credits to time and savings deposits1..........................................

3. Uninvested trust funds (cash) held in bank’s own trust department (not included in

total deposits).....................................................................................................................................

4. Deposits of consolidated subsidiaries (not included in total deposits):

a. Demand deposits of consolidated subsidiaries .............................................................................

b. Time and savings deposits1 of consolidated subsidiaries .............................................................

c. Interest accrued and unpaid on deposits of consolidated subsidiaries .........................................

5. Not applicable

6. Reserve balances actually passed through to the Federal Reserve by the reporting bank on

behalf of its respondent depository institutions that are also refl ected as deposit liabilities of

the reporting bank:

a. Amount refl ected in demand deposits (included in Schedule RC-E, item 4 or 5,

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

b. Amount refl ected in time and savings deposits1 (included in Schedule RC-E,

item 4 or 5, column A or C, but not column B)...............................................................................

7. Unamortized premiums and discounts on time and savings deposits: 1, 2

a. Unamortized premiums .................................................................................................................

b. Unamortized discounts..................................................................................................................

8. To be completed by banks with “Oakar deposits.”

a. Deposits purchased or acquired from other FDIC-insured institutions during the quarter:

(1) Total deposits purchased or acquired from other FDIC-insured institutions during

the quarter ..............................................................................................................................

(2) Amount of purchased or acquired deposits reported in item 8.a.(1) above attributable

to a secondary fund (i.e., BIF members report deposits attributable to SAIF; SAIF

members report deposits attributable to BIF) .........................................................................

b. Total deposits sold or transferred to other FDIC-insured institutions during the quarter ...............

9. Deposits in lifeline accounts...............................................................................................................

10. Benefi t-responsive “Depository Institution Investment Contracts” (included in total deposits) ..........

FFIEC 032

Page RC-20

28

Schedule RC-O—Other Data for Deposit Insurance and FICO Assessments

1 For FDIC insurance and FICO assessment purposes, “time and savings deposits” consists of nontransaction accounts and all transaction

accounts other than demand deposits.2 Exclude core deposit intangibles.


1.a.

1.b.(1)

1.b.(2)

2.a.

2.b.(1)

2.b.(2)

3.

4.a.

4.b.

4.c.

6.a.

6.b.

7.a.

7.b.

8.a.(1)

8.a.(2)

8.b.

9.

10.

Bil Mil Thou

C375 ◄

RCON 2702

RCON 2710

RCON 8785

RC0N A181

RCON A182

RC0N A527

RCON A528

11. Adjustments to demand deposits reported in Schedule RC-E for certain reciprocal demand

balances:

a. Amount by which demand deposits would be reduced if the reporting bank’s reciprocal

demand balances with the domestic offi ces of U.S. banks and savings associations and

insured branches in Puerto Rico and U.S. territories and possessions that were reported

on a gross basis in Schedule RC-E had been reported on a net basis.........................................

b. Amount by which demand deposits would be increased if the reporting bank’s reciprocal

demand balances with foreign banks and foreign offi ces of other U.S. banks (other than

insured branches in Puerto Rico and U.S. territories and possessions) that were reported

on a net basis in Schedule RC-E had been reported on a gross basis.........................................

c. Amount by which demand deposits would be reduced if cash items in process of

collection were included in the calculation of the reporting bank’s net reciprocal demand

balances with the domestic offi ces of U.S. banks and savings associations and insured

branches in Puerto Rico and U.S. territories and possessions in Schedule RC-E .......................

12. Amount of assets netted against deposit liabilities on the balance sheet (Schedule RC) in

accordance with generally accepted accounting principles (exclude amounts related to

reciprocal demand balances):

a. Amount of assets netted against demand deposits ......................................................................

b. Amount of assets netted against time and savings deposits ........................................................

Memoranda (to be completed each quarter except as noted)

1. Total deposits of the bank (sum of Memorandum items 1.a.(1) and 1.b.(1) must equal

Schedule RC, item 13.a):

a. Deposit account of $100,000 or less:

(1) Amount of deposit accounts of $100,000 or less....................................................................

(2) Number of deposit accounts of $100,000 or less (to be

completed for the June report only) .............................................

b. Deposit accounts of more than $100,000:

(1) Amount of deposit accounts of more than $100,000 ..............................................................

(2) Number of deposit accounts of more than $100,000........................

2. Estimated amount of uninsured deposits of the bank:

a. An estimate of your bank’s uninsured deposits can be determined by multiplying the

number of deposit accounts of more than $100,000 reported in Memorandum item 1.b.(2)

above by $100,000 and subtracting the result from the amount of deposit accounts of

more than $100,000 reported in Memorandum item 1.b.(1) above.

Indicate in the appropriate box at the right whether your bank has a method or

procedure for determining a better estimate of uninsured deposits than the estimate

described above............................................................................................................................

b. If the box marked YES has been checked, report the estimate of uninsured deposits

determined by using your bank’s method or procedure ................................................................

3. Has the reporting institution been consolidated with a parent bank or savings association

in that parent bank’s or parent saving association’s Call Report or Thrift Financial Report?

If so, report the legal title and FDIC Certifi cate Number of the parent bank or parent savings

association:

FFIEC 032

Page RC-21

29

Schedule RC-O—Continued


11.a.

11.b.

11.c.

12.a.

12.b.

M.1.a.(1)

M.1.a.(2)

M.1.b.(1)

M.1.b.(2)

M.2.a.

M.2.b.

M.3.

Bil Mil Thou

RCON 3779

Number

RCON 2722

Number

Dollar Amounts in Thousands Bil Mil Thou

YES NO

Bil Mil Thou

RCON A545

FDIC Cert No.TEXTA545

RCON 6861

RCON 5597

RCON 5163

RCON 3796

RCON A515

RCON A516

RCON 8274

RCON 8275

RCON 1395

RCON 3792

RCON A222

RCON A223

RCON 1651

RCON 1727

RCON A224

1. Test for determining the extent to which Schedule RC-R must be completed. To be completed

only by banks with total assets of less than $1 billion. Indicate in the appropriate box at the right

whether the bank has total capital greater than or equal to eight percent of adjusted total assets ......

This schedule must be completed by all banks as follows: Banks that reported total assets of $1 billion or more in Schedule RC, item 12,

for June 30, 1999, must complete items 2 through 9 and Memoranda items 1 and 2. Banks with assets of less than $1 billion must

complete items 1 through 3 below or Schedule RC-R in its entirety, depending on their response to item 1 below.

Schedule RC-R—Regulatory Capital

C380

1.

◄

FFIEC 032

Page RC-22



RCON 6056

YES NO

For purposes of this test, adjusted total assets equals total assets less cash, U.S. Treasuries, U.S. Government agency

obligations, and 80 percent of U.S. Government-sponsored agency obligations plus the allowance for loan and lease losses

and selected off-balance sheet items as reported on Schedule RC-L (see instructions).

If the box marked YES has been checked, then the bank only has to complete items 2 and 3 below. If the box marked NO

has been checked, the bank must complete the remainder of this schedule.

A NO response to item 1 does not necessarily mean that the bank’s actual risk-based capital ratio is less than

eight percent or that the bank is not in compliance with the risk-based capital guidelines.

NOTE: All banks are required to complete items 2 and 3 below.

See optional worksheet for items 3.a through 3.f.

1 Exclude mandatory convertible debt reported in Schedule RC-M, item 7.2 Do not deduct excess allowance for loan and lease losses.3 Do not report in column B the risk-weighted amount of assets reported in column A.

(Column A)Assets Recorded

on theBalance Sheet

2. Portion of qualifying limited-life capital instruments (original weighted average maturity of at

least fi ve years) that is includible in Tier 2 capital:

a. Subordinated debt 1 and intermediate term preferred stock ...........................................................

b. Other limited-life capital instruments...............................................................................................

3. Amounts used in calculating regulatory capital ratios (report amounts determined by the bank

for its own internal regulatory capital analyses consistent with applicable capital standards):

a. (1) Tier 1 capital .............................................................................................................................

(2) Tier 2 capital .............................................................................................................................

(3) Tier 3 capital .............................................................................................................................

b. Total risk-based capital ...................................................................................................................

c. Excess allowance for loan and lease losses (amount that exceeds 1.25% of gross

risk-weighted assets) ......................................................................................................................

d. (1) Net risk-weighted assets (gross risk-weighted assets, including market risk equivalent

assets, less excess allowance reported in item 3.c above and all other deductions) ...............

(2) Market risk equivalent assets (included in item 3.d.(1) above) ................................................

e. Maximum contractual dollar amount of recourse exposure in low level recourse transactions

(to be completed only if the bank uses the “direct reduction method” to report these

transactions in Schedule RC-R) .....................................................................................................

f. “Average total assets” (quarterly average reported in Schedule RC-K, item 9, less all

assets deducted from Tier 1 capital) 2 .............................................................................................


2.a.

2.b.

3.a.(1)

3.a.(2)

3.a.(3)

3.b.

3.c.

3.d.(1)

3.d.(2)

3.e.

3.f.

4.a.

4.b.

Bil Mil Thou


(Column B)Credit Equivalent

Amount of Off-

Balance Sheet Items 3

Items 4 – 9 and Memoranda items 1 and 2 are to be completed

by banks that answered NO to item 1 above and

by banks with total assets of $1 billion or more.

4. Assets and credit equivalent amounts of off-balance sheet items

assigned to the Zero percent risk category:

a. Assets recorded on the balance sheet .....................................................

b. Credit equivalent amount of off-balance sheet items................................

RCON 8764

RCON 5165

RCON 3801

RCON 3802

RCON 3803

RCON 3804

RCON 3805

RCON 3806

RCON 3807

Tril Bil Mil Thou Tril Bil Mil Thou Tril Bil Mil Thou

(Column C)Over fi ve years

Schedule RC-R—Continued

(Column A)Assets

Recordedon the

Balance Sheet

Bil Mil Thou Bil Mil ThouDollar Amounts in Thousands

5.a.

5.b.

6.a.

6.b.

7.a.

7.b.

8.

9.

M.1.

M.2.a.

M.2.b.

M.2.c.

M.2.d.

M.2.e.

M.2.f.

(Column B)Credit Equivalent

Amount ofOff-Balance

Sheet Items 1

FFIEC 032

Page RC-23

31

1 Do not report in column B the risk-weighted amount of assets reported in column A.2 Include the difference between the fair value and the amortized cost of available-for-sale debt securities in item 8 and report the amortized cost

of these debt securities in items 4 through 7 above. Item 8 also includes on-balance sheet asset values (or portions thereof) of off-balance sheet

interest rate, foreign exchange rate, and commodity contracts and those contracts (e.g., futures contracts) not subject to risk-based capital.

Exclude from item 8 margin accounts and accrued receivables not included in the calculation of credit equivalent amounts of off-balance sheet

derivatives as well as any portion of the allowance for loan and lease losses in excess of the amount that may be included in Tier 2 capital.3 Exclude foreign exchange contracts with an original maturity of 14 days or less and all futures contracts.


assigned to the 20 percent risk category:











8. On-balance sheet asset values excluded from and deducted in

the calculation of the risk-based capital ratio 2...............................................

9. Total assets recorded on the balance sheet (sum of

items 4.a, 5.a, 6.a, 7.a, and 8, column A) (must equal Schedule RC,

item 12 plus items 4.b and 4.c)......................................................................

(Column B)Over one year

through fi ve years2. Notional principal amounts of off-

balance sheet derivative contracts 3:

a. Interest rate contracts ......................

b. Foreign exchange contracts ............

c. Gold contracts..................................

d. Other precious metals contracts ......

e. Other commodity contracts ..............

f. Equity derivative contracts ...............

(Column A)One year or less

With a remaining maturity of

1. Current credit exposure across all off-balance sheet derivative contracts covered by the

risk-based capital standards................................................................................................................

Dollar Amounts in Thousands Bil Mil ThouMemoranda






RCON RCON RCON A000 A001 A002

FFIEC 032

Page RC-24

32FDIC Certifi cate Number

Optional Narrative Statement Concerning the AmountsReported in the Reports of Condition and Income

at close of business on

Legal Title of Bank City,

State

The management of the reporting bank may, if it wishes, submit a

brief narrative statement on the amounts reported in the Reports

of Condition and Income. This optional statement will be made

available to the public, along with the publicly available data in

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

for individual bank report data. However, the information reported

in column A and in all of Memorandum item 1 of Schedule RC-N

is regarded as confi dential and will not be released to the public.

BANKS CHOOSING TO SUBMIT THE NARRATIVE STATEMENT

SHOULD ENSURE THAT THE STATEMENT DOES NOT CON-

TAIN THE NAMES OR OTHER IDENTIFICATIONS OF INDIVID-

UAL BANK CUSTOMERS, REFERENCES TO THE AMOUNTS

REPORTED IN THE CONFIDENTIAL ITEMS IN SCHEDULE RC-N,

OR ANY OTHER INFORMATION THAT THEY ARE NOT WILLING

TO HAVE MADE PUBLIC OR THAT WOULD COMPROMISE THE

PRIVACY OF THEIR CUSTOMERS. Banks choosing not to make

a statement may check the “No comment” box below and should

make no entries of any kind in the space provided for the narrative

statement; i.e., DO NOT enter in this space such phrases as “No

statement,” “Not applicable,” “N/A,” “No comment,” and “None.”

The optional statement must be entered on this sheet. The state-

ment should not exceed 100 words. Further, regardless of the

number of words, the statement must not exceed 750 characters,

including punctuation, indentation, and standard spacing between

words and sentences. If any submission should exceed 750 charac-

ters, as defi ned, it will be truncated at 750 characters with no notice

to the submitting bank and the truncated statement will appear as

the bank’s statement both on agency computerized records and in

computer-fi le releases to the public.

All information furnished by the bank in the narrative statement

must be accurate and not misleading. Appropriate efforts shall be

taken by the submitting bank to ensure the statement’s accuracy.

The statement must be signed, in the space provided below, by a

senior offi cer of the bank who thereby attests to its accuracy.

If, subsequent to the original submission, material changes are

submitted for the data reported in the Reports of Condition and

Income, the existing narrative statement will be deleted from the

fi les, and from disclosure; the bank, at its option, may replace it with

a statement, under signature, appropriate to the amended data.

The optional narrative statement will appear in agency records

and in release to the public exactly as submitted (or amended

as described in the preceding paragraph) by the management of

the bank (except for the truncation of statements exceeding the

750-character limit described above). THE STATEMENT WILL NOT

BE EDITED OR SCREENED IN ANY WAY BY THE SUPERVI-

SORY AGENCIES FOR ACCURACY OR RELEVANCE. DISCLO-

SURE OF THE STATEMENT SHALL NOT SIGNIFY THAT ANY

FEDERAL SUPERVISORY AGENCY HAS VERIFIED OR CON-

FIRMED THE ACCURACY OF THE INFORMATION CONTAINED

THEREIN. A STATEMENT TO THIS EFFECT WILL APPEAR ON

ANY PUBLIC RELEASE OF THE OPTIONAL STATEMENT SUB-

MITTED BY THE MANAGEMENT OF THE REPORTING BANK.

No comment (RCON 6979)

BANK MANAGEMENT STATEMENT (please type or print clearly):(TEXT 6980)

C372 ◄C371

Signature of Executive Offi cer of Bank Date of Signature

33

THIS PAGE IS TO BE COMPLETED BY ALL BANKS

NAME AND ADDRESS OF BANK

OMB No. For OCC: 1557-0081

OMB No. For FDIC: 3064-0052

OMB No. for Federal Reserve: 7100-0036

Expiration Date: 3/31/2002

SPECIAL REPORT

(Dollar Amounts in Thousands)

CLOSE OF BUSINESS

DATE


C-700 ◄

LOANS TO EXECUTIVE OFFICERS (Complete as of each Call Report Date)

The following information is required by Public Laws 90–44 and 102–242, but does not constitute a part of the Report of Condition. With each Report of

Condition, these Laws require all banks to furnish a report of all loans or other extensions of credit to their executive offi cers made since the date of

the previous Report of Condition. Data regarding individual loans or other extensions of credit are not required. If no such loans or other extensions

of credit were made during the period, insert “none” against subitem (a). (Exclude the fi rst $15,000 of indebtedness of each executive offi cer under bank

credit card plan.) See Sections 215.2 and 215.3 of Title 12 of the Code of Federal Regulations (Federal Reserve Board Regulation O) for the

defi nitions of “executive offi cer” and “extension of credit,” respectively. Exclude loans and other extensions of credit to directors and principal

shareholders who are not executive offi cers.

a. Number of loans made to executive offi cers since the previous Call Report date .........................

b. Total dollar amount of above loans (in thousands of dollars) .........................................................

c. Range of interest charged on above loans

(example: 9¾% = 9.75) .................................................................................

RCON 3561

RCON 3562

a.

b.

c.RCON7701

RCON7702% to %. .

SIGNATURE AND TITLE OF OFFICER AUTHORIZED TO SIGN REPORT DATE (Month, Day, Year)

FDIC 8040/53 (3-98)

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