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Board of Governors of the Federal Reserve System OMB Number: 7100-0036 Federal Deposit Insurance Corporation OMB Number: 3064-0052 Office of the Comptroller of the Currency OMB Number: 1557-0081
Federal Financial Institutions Examination Council Expires March 31, 2002
Please refer to page i, Table of Contents, for the required disclosure of estimated burden.
Consolidated Reports of Condition and Income for A Bank With Domestic Offices Only and Total Assets of $300 Million or More—FFIEC 032
(20001231) Report at the close of business December 31, 2000 (RCRI 9999)
This report is required by law: 12 U.S.C. §324 (State member This report form is to be filed by banks with domestic offi ces only. banks); 12 U.S.C. §1817 (State nonmember banks); and Banks with foreign offi ces (as defi ned in the instructions) must fi le 12 U.S.C. §161 (National banks). FFIEC 031.
NOTE: The Reports of Condition and Income must be signed by an authorized officer 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, Name and Title of Officer Authorized to Sign Report
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.
Signature of Officer Authorized to Sign Report
Date of Signature
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.
Director (Trustee)
Director (Trustee)
Director (Trustee)
Submission of Reports Each bank must prepare its Reports of Condition and Income either: (a) in electronic form and then file 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 filing assistance, contact EDS Call Report Services, 2150 N. Prospect Ave., Milwaukee, WI 53202, tele-phone (800) 255-1571.
To fulfill 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) Legal Title of Bank (TEXT 9010)
http://Primary Internet Web Address of Bank (Home Page), if any (TEXT 4087) (Example: www.examplebank.com)
City (TEXT 9130)
State Abbrev. (TEXT 9200) ZIP Code (TEXT 9220)
Board of Governors of the Federal Reserve System, Federal Deposit Insurance Corporation, Office of the Comptroller of the Currency
2
FFIEC 032 Page i
Consolidated Reports of Condition and Income for A Bank With Domestic Offices 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 on Loans and Leases and Changes in Allowance for Credit Losses ..................................................RI-4, 5
Schedule RI-E—Explanations ..................................RI-5, 6
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 Office of Informa-tion and Regulatory Affairs, Office of Management and Budget, Washington, D.C. 20503, and to one of the following:
Secretary Board of Governors of the Federal Reserve System Washington, D.C. 20551
Legislative and Regulatory Analysis Division Office of the Comptroller of the Currency Washington, D.C. 20219
Assistant Executive Secretary Federal Deposit Insurance Corporation Washington, D.C. 20429
Report of Condition
Schedule RC—Balance Sheet ...............................RC-1, 2
Schedule RC-A—Cash and Balances Due From Depository Institutions ..................................RC-3
Schedule RC-B—Securities ...............................RC-3, 4, 5
Schedule RC-C—Loans and Lease Financing Receivables: Part I. Loans and Leases ...............................RC-6, 7, 8 Part II. Loans to Small Businesses and
Small Farms (to be completed for the June report only; not included in the forms for the September and December 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 Nonaccrual Loans, Leases, and Other Assets ..................RC-18, 19
Schedule RC-O—Other Data for Deposit Insurance and FICO Assessments.................RC-20, 21
Schedule RC-R—Regulatory Capital .................RC-22, 23
Optional Narrative Statement Concerning the Amounts Reported in the Reports of Condition and Income ......................................RC-24
Special Report (to be completed by all banks)
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.
3
FFIEC 032 Page RI-1
Legal Title of Bank
City
State Zip Code
FDIC Certifi cate Number
Consolidated Report of Income for 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 I380
Dollar Amounts in Thousands Bil Mil Thou 1. Interest income:
a. Interest and fee income on loans: (1) Loans secured by real estate .................................................................................................. (2) Loans to finance 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) .......................................................................
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
◄
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.
1 Includes interest income on time certificates of deposit not held for trading.
4
FFIEC 32
Page RI-2
Schedule RI—Continued
RIAD 45 8
RIAD 45 9
RIAD 4511
RIAD A517
RIAD A518
RIAD 418
RIAD 4185
RIAD 42
RIAD 4 73
RIAD 4 7
RIAD 4 8
RIAD A22
RIAD 54 7
RIAD 54 8
RIAD 4135
RIAD 4217
RIAD 4 92
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 $1 , or more............................................
(d) Time deposits of less than $1 , ..........................................
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 fiduciary 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 benefits ..............................................................
b. Expenses of premises and fixed assets (net of rental income)
(excluding salaries and employee benefits and mortgage interest) ........
c. Other noninterest expense* ....................................................................
d. Total noninterest expense (sum of items 7.a through 7.c) ......................
8. Income (loss) before income taxes and extraordinary items and other
adjustments (item 3 plus or minus items 4.a, 4.b, 5.g, 6.a, 6.b, and 7.d) ....
9. Applicable income taxes (on item 8) ............................................................
1 . 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 1 and 11).................................................
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 4 74
RIAD 423
RIAD 4243
RIAD 4 79
RIAD 3521
RIAD 3196
RIAD 4 93
RIAD 43 1
RIAD 43 2
RIAD 43
RIAD 432
RIAD 434
3.
4.a.
4.b.
5.g.
6.a.
6.b.
7.d.
8.
9.
1 .
11.
12.
* Describe on Schedule RI-E—Explanations.
5
FFIEC 32
Page RI-3
Legal Title of Bank
FDIC Certificate Number
RIAD 4513
RIAD 8431
Schedule RI—Continued
Dollar Amounts in Thousands
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 ......................................................................................................
1 . Credit losses on off-balance sheet derivatives (see instructions) ......................................................
Bil Mil Thou Memoranda
Number RIAD 415
RIAD 91 6
CC YY MM DD
Bil Mil Thou
Year-to-date
RIAD 8757
RIAD 8758
RIAD 8759
RIAD 876
RIAD 8761
RIAD 8762
RIAD 8763
RIAD A251
◄
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.1 .
YES NO
tax purposes for the current tax year? ...............................................................................................
11. Does the reporting bank have a Subchapter S election in effect for federal income RIAD A53
Bil Mil Thou RIAD
4772
M.11. 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)........................................................................ M.12.
1 For example, a bank acquired on June 1, 1997, would report 1997 6 1.
Schedule RI-A—Changes in Equity Capital Indicate decreases and losses in parentheses. I383
Dollar Amounts in Thousands Bil Mil Thou
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)................................................................................................................................
1 . 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 flow 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) .......................................................................................................................
RIAD 3215
RIAD 3216
RIAD 3217
RIAD 434
RIAD 4346
RIAD 4356
RIAD 447
RIAD 446
RIAD 4411
RIAD 4412
RIAD 8433
RIAD 4574
RIAD 4415
RIAD 321
◄
1.
2.
3.
4.
5.
6.
7.
8.
9.
1 .
11.a.
11.b.
12.
13.
*Describe on Schedule RI-E—Explanations.
6
FFIEC 032
Page RI-
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 I386
Part I xclud s charg -offs and r cov ri s through
th allocat d transf r risk r s rv .
Dollar Amounts in Thousands
(Column A)
Charge-offs
(Column B)
Recoveries
Calendar year-to-date
Bil Mil Thou Bil Mil Thou
1. Loans secured by real estate:
a. To U.S. addressees (domicile) ................................................................
b. To non-U.S. addressees (domicile) .........................................................
2. Loans to depository institutions and acceptances of other banks:
a. To U.S. banks and other U.S. depository institutions ..............................
b. To foreign banks......................................................................................
3. Loans to finance agricultural production and other loans to farmers ...........
. Commercial and industrial loans:
a. To U.S. addressees (domicile) ................................................................
b. To non-U.S. addressees (domicile) .........................................................
5. Loans to individuals for household, family, and other personal
expenditures:
a. Credit cards and related plans ................................................................
b. Other (includes single payment, installment, and all student loans) ........
6. Loans to foreign governments and official institutions .................................
7. All other loans ..............................................................................................
8. Lease financing receivables:
a. Of U.S. addressees (domicile) ................................................................
b. Of non-U.S. addressees (domicile) .........................................................
9. Total (sum of items 1 through 8) ..................................................................
RIAD 651
RIAD 661
RIAD 652
RIAD 662
RIAD 653
RIAD 663
RIAD 65
RIAD 66
RIAD 655
RIAD 665
RIAD 6 5
RIAD 617
RIAD 6 6
RIAD 618
RIAD 656
RIAD 666
RIAD 657
RIAD 667
RIAD 6 3
RIAD 627
RIAD 6
RIAD 628
RIAD 658
RIAD 668
RIAD 659
RIAD 669
RIAD 635
RIAD 605
◄
1.a.
1.b.
2.a.
2.b.
3.
.a.
.b.
5.a.
5.b.
6.
7.
8.a.
8.b.
9.
Memoranda
Dollar Amounts in Thousands
(Column A)
Charge-offs
(Column B)
Recoveries
Calendar year-to-date
Bil Mil Thou Bil Mil Thou
1.– 3. Not applicable
. Loans to finance commercial real estate, construction, and land
development activities (not s cur d by r al stat ) included in
Schedule RI-B, part I, items 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– family residential properties:
(1) Revolving, open-end loans secured by 1– family residential
properties and extended under lines of credit ....................................
(2) All other loans secured by 1– family residential properties..............
d. Secured by multifamily (5 or more) residential properties ........................
e. Secured by nonfarm nonresidential properties .........................................
RIAD 5 09
RIAD 5 10
RIAD 3582
RIAD 3583
RIAD 358
RIAD 3585
RIAD 5 11
RIAD 5 12
RIAD 5 13
RIAD 5 1
RIAD 3588
RIAD 3589
RIAD 3590
RIAD 3591
M. .
M.5.a.
M.5.b.
M.5.c.(1)
M.5.c.(2)
M.5.d.
M.5.e.
7
FFIEC 032
Page RI-5
Legal Title of Bank
FDIC Certificate Number
Schedule RI-B—Continued
Part II. Changes in Allowance for Credit Losses
Dollar Amounts in Thousands Bil Mil Thou
1. Balance originally reported in the December 31, 1999, Reports of Condition and Income ................. RIAD 312
2. Recoveries (must equal or exceed part I, item 9, column B above) .................................................... RIAD 2 19
3. LESS: Charge-offs (must equal or exceed part I, item 9, column A above)......................................... RIAD 2 32
. Provision for credit losses (must equal Schedule RI, item .a) ........................................................... RIAD 230
5. Adjustments* (see instructions for this schedule) ................................................................................ RIAD 815
6. Balance end of current period (sum of items 1 through 5) (must equal or exceed
Schedule RC, item .b) ....................................................................................................................... RIAD A512
1.
2.
3.
.
5.
6.
*Describe on Schedule RI-E—Explanations
Schedule RI-E—Explanations
Sch dul RI-E is to b compl t d ach quart r on a cal ndar y ar-to-dat basis.
Detail all adjustments in Schedule RI-A and RI-B, all extraordinary items and other adjustments in Schedule RI, and all
significant items of other noninterest income and other noninterest expense in Schedule RI. (See instructions for details.)
RIAD 5 15
RIAD 5 16
RIAD 5 17
RIAD 61
RIAD 62
RIAD 63
RIAD 531
RIAD 5 18
RIAD 5 19
RIAD 5 20
RIAD 6
RIAD 67
RIAD 68
Year-to-date
Dollar Amounts in Thousands
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 fixed assets ..............................................................
Itemize and describe the three largest other amounts that exceed 10% of Schedule RI,
item 5.f.(2):
d.
e.
61
f.
2. Other noninterest expense (from Schedule RI, item 7.c):
a. Amortization expense of intangible assets .....................................................................................
Report amounts that exceed 10% of Schedule RI, item 7.c:
b. Net (gains) losses on other real estate owned ...............................................................................
c. Net (gains) losses on sales of loans ...............................................................................................
d. Net (gains) losses on sales of premises and fixed assets ..............................................................
Itemize and describe the three largest other amounts that exceed 10% of Schedule RI, item 7.c:
e.
63
f.
g.
67
Bil Mil Thou
TEXT
TEXT 62
TEXT
TEXT 6
TEXT
TEXT 68
◄
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.
8
FFIEC 032
Page RI-6
Schedule RI-E—Continued
RIAD 6373
RIAD 87
RIAD 89
RIAD 92
RIAD 93
RIAD 9
RIAD 95
RIAD 96
RIAD 97
RIAD 98
RIAD 99
RIAD 521
RIAD 522
Year-to-date
Dollar Amounts in Thousands
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)
(2) Applicable income tax effect
c. (1)
(2) Applicable income tax effect
. 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 briefly describe, at its
option, any other significant items affecting the Report of Income):
Bil Mil Thou
TEXT 96
TEXT 97
TEXT 92
TEXT 93
TEXT 9
TEXT 95
TEXT 6373
RIAD 86
TEXT 87
RIAD 88
TEXT 89
RIAD 91
Effect of adopting FAS 133, “Accounting for Derivative Instruments and Hedging Activities”
I398 I399
TEXT 98
TEXT 99
TEXT 521
TEXT 522
3.a.(1)
3.a.(2)
3.b.(1)
3.b.(2)
3.c.(1)
3.c.(2)
.a.
.b.
5.a.
5.b.
6.a.
6.b.
7.a.
7.b.
8.a.
8.b.
◄
(RIAD 769) No comment
Other explanations (please type or print clearly): (TEXT 769)
9
FFIEC 032 Page RC-1
Legal Title of Bank
City
State Zip Code
FDIC Certifi cate Number
Consolidated Report of Condition for Insured Commercial and State-Chartered Savings Banks for December 31, 2000 All schedules are to be reported in thousands of dollars. Unless otherwise indicated, report the amount outstanding as of the last business day of the quarter.
Schedule RC—Balance Sheet
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
Dollar Amounts in Thousands C300
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 fixed assets (including capitalized leases) .................................................................. 7. Other real estate owned (from Schedule RC-M)................................................................................ 8. Investments in unconsolidated subsidiaries and associated companies (from Schedule RC-M) ...... 9. Customers’ liability to this bank on acceptances outstanding ............................................................
10. Intangible assets (from Schedule RC-M) ........................................................................................... 11. Other assets (from Schedule RC-F) .................................................................................................. 12. Total assets (sum of items 1 through 11) ...........................................................................................
Bil Mil Thou
RCON 2122 RCON 3123 RCON 3128
1 Includes cash items in process of collection and unposted debits. 2 Includes time certificates 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.
10
FFIEC 032
Page RC-2
Schedule RC—Continued
Dollar Amounts in Thousands Bil Mil Thou
LIABILITIES
13. Deposits:
a. In domestic offices (sum of totals of columns A and C from Schedule RC-E)............................... RCON 2200
(1) Noninterest-bearing1.........................................................................
(2) Interest-bearing.................................................................................
RCON 6631
RCON 6636
b. In foreign offices, 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
1 . 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 profits and capital reserves ..........................................................................................
b. Net unrealized holding gains (losses) on available-for-sale securities..........................................
c. Accumulated net gains (losses) on cash flow hedges ..................................................................
27. Cumulative foreign currency translation adjustments ........................................................................
2 . Total equity capital (sum of items 23 through 27) ..............................................................................
29. Total liabilities and equity capital (sum of items 21 and 2 ) ...............................................................
RCON 2 00
RCON 2 40
RCON 354
RCON 2332
RCON A547
RCON A54
RCON 2920
RCON 3200
RCON 2930
RCON 294
RCON 3 3
RCON 3230
RCON 3 39
RCON 3632
RCON 434
RCON 4336
RCON 3210
RCON 3300
13.a.
13.a.(1)
13.a.(2)
14.
15.a.
15.b.
16.a.
16.b.
16.c.
1 .
19.
20.
21.
23.
24.
25.
26.a.
26.b.
26.c.
2 .
29.
Memorandum
T be rep rted with the March Rep rt f C nditi n.
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 Number
auditors as of any date during 1999.................................................................................................................
1 = Independent audit of the bank conducted in accordance with 4 = Directors’ examination of the bank performed by other external
generally accepted auditing standards by a certified public auditors (may be required by state chartering authority)
accounting firm which submits a report on the bank 5 = Review of the bank’s financial statements by external auditors
2 = Independent audit of the bank’s parent holding company con- 6 = Compilation of the bank’s financial statements by external
ducted in accordance with generally accepted auditing standards auditors
by a certified public accounting firm which submits a report on the 7 = Other audit procedures (excluding tax preparation work)
consolidated holding company (but not on the bank separately) = No external audit work
3 = Directors’ examination of the bank conducted in accordance with
generally accepted auditing standards by a certified public
accounting firm (may be required by state chartering authority)
RCON 6724 M.1.
1 Includes total demand deposits and noninterest-bearing time and savings deposits. 2 Includes limited-life preferred stock and related surplus.
11
FFIEC 03
Page RC-3
Legal Title of Bank
FDIC Certificate Number
Schedule RC-A—Cash and Balances Due From Depository Institutions
Exclude assets held for trading. C305 Dollar Amounts in Thousands Bil Mil Thou
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...........................................................................................................................
. 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) .....................
RCON 00 0
RCON 0080
RCON 0083
RCON 0085
RCON 0073
RCON 0074
RCON 0090
RCON 0010
RCON 0050
Dollar Amounts in Thousands
1. Noninterest-bearing balances due from commercial banks in the U.S. (included in items .a and
.b above)............................................................................................................................................
Bil Mil Thou Memorandum
Schedule RC-B—Securities
Exclude assets held for trading. C310
Dollar Amounts in Thousands
Held-to-maturity Available-for-sale
(Column A) Amortized Cost
(Column B) Fair Value
(Column C) Amortized Cost
(Column D) Fair Value1
Bil Mil Thou Bil Mil Thou Bil Mil Thou Bil Mil Thou
1. U.S. Treasury securities ...
. U.S. Government agency
obligations (exclude
mortgage-backed
securities):
a. Issued by U.S. Govern-
ment agencies ............
b. Issued by U.S.
Government-sponsored
agencies 3.....................
RCON 0 11
RCON 0 13
RCON 1 86
RCON 1 87
RCON 1 89
RCON 1 90
RCON 1 91
RCON 1 93
RCON 1 94
RCON 1 95
RCON 1 97
RCON 1 98
◄
1.a.
1.b.
.a.
.b.
3.a.
3.b.
4.
5.
M.1.
◄
1.
.a.
.b.
1 Includes equity securities without readily determinable fair values at historical cost in item 6.b, column D. Includes Small Business Administration “Guaranteed Loan Pool Certificates,” U.S. Maritime Administration obligations, and Export–Import Bank
participation certificates. 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.
12
FFIEC 03
Page RC-4
Schedule RC-B—Continued
Dollar Amounts in Thousands
Held-to-maturity Available-for-sale
(Column A) Amortized Cost
(Column B) Fair Value
(Column C) Amortized Cost
(Column D) Fair Value1
Bil Mil Thou Bil Mil Thou Bil Mil Thou Bil Mil Thou
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....................
( ) 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....................
( ) 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 .a)
(total of column D must
equal Schedule RC,
item .b)............................
RCON 1676
RCON 1677
RCON 1678
RCON 1679
RCON 1681
RCON 1686
RCON 1690
RCON 1691
RCON 1694
RCON 1695
RCON 1696
RCON 1697
RCON 1698
RCON 1699
RCON 1701
RCON 170
RCON 1703
RCON 1705
RCON 1706
RCON 1707
RCON 1709
RCON 1710
RCON 1711
RCON 1713
RCON 1714
RCON 1715
RCON 1716
RCON 1717
RCON 1718
RCON 1719
RCON 1731
RCON 173
RCON 1733
RCON 1734
RCON 1735
RCON 1736
RCON 1737
RCON 1738
RCON 1739
RCON 1741
RCON 174
RCON 1743
RCON 1744
RCON 1746
RCON A510
RCON A511
RCON 175
RCON 1753
RCON 1754
RCON 1771
RCON 177
RCON 1773
3.a.
3.b.
3.c.
4.a.(1)
4.a.( )
4.a.(3)
4.b.(1)
4.b.( )
4.b.(3)
5.a.
5.b.
6.a.
6.b.
7.
1 Includes equity securities without readily determinable fair values at historical cost in item 6.b, column D.
13
FFIEC 03
Page RC-5
Legal Title of Bank
FDIC Certificate Number
Schedule RC-B—Continued
Memoranda C312 Dollar Amounts in Thousands Bil Mil Thou
1. Pledged securities1..............................................................................................................................
. Maturity and repricing data for ebt securities1, (excluding those in nonaccrual status):
a. Securities issued by the U.S. Treasury, U.S. Government agencies, and states and political
subdivisions in the U.S.; other non-mortgage debt securities; and mortgage pass-through
securities other than those backed by closed-end first lien 1– 4 family residential mortgages
with a remaining maturity or repricing frequency of: 3, 4
(1) Three months or less................................................................................................................
( ) Over three months through 1 months.....................................................................................
(3) Over one year through three years ..........................................................................................
(4) Over three years through five years .........................................................................................
(5) Over five years through 15 years .............................................................................................
(6) Over 15 years...........................................................................................................................
b. Mortgage pass-through securities backed by closed-end first lien 1– 4 family residential
mortgages with a remaining maturity or repricing frequency of: 3, 5
(1) Three months or less................................................................................................................
( ) Over three months through 1 months.....................................................................................
(3) Over one year through three years ..........................................................................................
(4) Over three years through five years .........................................................................................
(5) Over five years through 15 years .............................................................................................
(6) Over 15 years...........................................................................................................................
c. Other mortgage-backed securities (include CMOs, REMICs, and stripped MBS; exclude
mortgage pass-through securities) with an expected average life of: 6
(1) Three years or less...................................................................................................................
( ) Over three years.......................................................................................................................
d. Debt securities with a REMAINING MATURITY of one year or less (included in
Memorandum items .a through .c above) ...................................................................................
3.– 6. Not applicable
7. Amortized cost of held-to-maturity securities sold or transferred to available-for-sale or trading
securities during the calendar year-to-date (report the amortized cost at date of sale or transfer) .....
8. Not applicable
9. Structured notes (included in the held-to-maturity and available-for-sale accounts in
Schedule RC-B, items , 3, and 5):
a. Amortized cost ................................................................................................................................
b. Fair value ........................................................................................................................................
RCON 0416
RCON A549
RCON A550
RCON A551
RCON A55
RCON A553
RCON A554
RCON A555
RCON A556
RCON A557
RCON A558
RCON A559
RCON A560
RCON A561
RCON A56
RCON A 48
RCON 1778
RCON 878
RCON 8783
◄
M.1.
M. .a.(1)
M. .a.( )
M. .a.(3)
M. .a.(4)
M. .a.(5)
M. .a.(6)
M. .b.(1)
M. .b.( )
M. .b.(3)
M. .b.(4)
M. .b.(5)
M. .b.(6)
M. .c.(1)
M. .c.( )
M. .d.
M.7.
M.9.a.
M.9.b.
1 Includes held-to-maturity securities at amortized cost and available-for-sale securities at fair value. Exclude equity securities, e.g., investments in mutual funds, Federal Reserve stock, common stock, and preferred stock. 3 Report fixed rate debt securities by remaining maturity and floating rate debt securities by repricing frequency. 4 Sum of Memorandum items .a.(1) through .a.(6) plus any nonaccrual debt securities in the categories of debt securities reported in
Memorandum item .a that are included in Schedule RC-N, item 9, column C, must equal Schedule RC-B, sum of items 1, , 3, and 5,
columns A and D, plus mortgage pass-through securities other than those backed by closed-end first lien 1– 4 family residential mortgages
included in Schedule RC-B, item 4.a, columns A and D. 5 Sum of Memorandum items .b.(1) through .b.(6) plus any nonaccrual mortgage pass-through securities backed by closed-end first lien
1– 4 family residential mortgages included in Schedule RC-N, item 9, column C, must equal Schedule RC-B, item 4.a, sum of columns A
and D, less the amount of mortgage pass-through securities other than those backed by closed-end first lien 1– 4 family residential mortgages
included in Schedule RC-B, item 4.a, columns A and D. 6 Sum of Memorandum items .c.(1) and .c.( ) 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.
14
FFIEC 032
Page RC-6
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
Dollar Amounts in Thousands Bil Mil Thou
1. Loans secured by real estate:
a. Construction and land development .............................................................................................
b. Secured by farmland (including farm residential and other improvements) ..................................
c. Secured by 1– family residential properties:
(1) Revolving, open-end loans secured by 1– family residential properties and extended
under lines of credit ...............................................................................................................
(2) All other loans secured by 1– family residential properties:
(a) Secured by first liens ........................................................................................................
(b) Secured by junior liens .....................................................................................................
d. Secured by multifamily (5 or more) residential properties.............................................................
e. Secured by nonfarm nonresidential properties ............................................................................
2. Loans to depository institutions:
a. To commercial banks in the U.S.:
(1) To U.S. branches and agencies of foreign banks ...................................................................
(2) To other commercial banks in the U.S. ...................................................................................
b. To other depository institutions in the U.S. ....................................................................................
c. To banks in foreign countries:
(1) To foreign branches of other U.S. banks ................................................................................
(2) To other banks in foreign countries.........................................................................................
3. Loans to finance agricultural production and other loans to farmers .................................................
. Commercial and industrial loans:
a. To U.S. addressees (domicile) ......................................................................................................
b. To non-U.S. addressees (domicile) ...............................................................................................
5. Acceptances of other banks:
a. Of U.S. banks................................................................................................................................
b. Of foreign banks............................................................................................................................
6. Loans to individuals for household, family, and other personal expenditures
(i.e., consumer loans) (includes purchased paper):
a. Credit cards and related plans (includes check credit and other revolving credit plans) ..............
b. Other (includes single payment, installment, and all student loans) .............................................
7. Loans to foreign governments and official institutions (including foreign central banks) ...................
8. Obligations (other than securities and leases) of states and political subdivisions in the U.S...........
9. Other loans:
a. Loans for purchasing or carrying securities (secured and unsecured) .........................................
b. All other loans (exclude consumer loans) .....................................................................................
10. Lease financing receivables (net of unearned income):
a. Of U.S. addressees (domicile) ......................................................................................................
b. Of non-U.S. addressees (domicile) ...............................................................................................
11. LESS: Any unearned income on loans reflected in items 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 .a) ..................................................................................................
RCON 1 15
RCON 1 20
RCON 1797
RCON 5367
RCON 5368
RCON 1 60
RCON 1 80
RCON 1506
RCON 1507
RCON 1517
RCON 1513
RCON 1516
RCON 1590
RCON 1763
RCON 176
RCON 1756
RCON 1757
RCON 2008
RCON 2011
RCON 2081
RCON 2107
RCON 15 5
RCON 156
RCON 2182
RCON 2183
RCON 2123
RCON 2122
◄
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.
.a.
.b.
5.a.
5.b.
6.a.
6.b.
7.
8.
9.a.
9.b.
10.a.
10.b.
11.
12.
15
FFIEC 032
Page RC-7
Schedule RC-C—Continued
Part I. Continued
Memoranda Dollar Amounts in Thousands Bil Mil Thou
1. Not applicable
2. Loans and leases restructured and in compliance with modified terms (included in
Schedule RC-C, part I, above and not reported as past due or nonaccrual in Schedule RC-N,
Memorandum item 1):
a. Loans secured by real estate:
(1) To U.S. addressees (domicile) .................................................................................................
(2) To non-U.S. addressees (domicile) ..........................................................................................
b. All other loans and all lease financing receivables (exclude loans to individuals for household,
family, and other personal expenditures) ........................................................................................
c. Commercial and industrial loans to and lease financing receivables of non-U.S. addressees
(domicile) included in Memorandum item 2.b above ......................................................................
3. Maturity and repricing data for loans and leases (excluding those in nonaccrual status):
a. Closed-end loans secured by first liens on 1– 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
(1) Three months or less................................................................................................................
(2) Over three months through 12 months.....................................................................................
(3) Over one year through three years ..........................................................................................
( ) Over three years through five years .........................................................................................
(5) Over five years through 15 years .............................................................................................
(6) Over 15 years...........................................................................................................................
b. All loans and leases (reported in Schedule RC-C, part I, items 1 through 10)
EXCLUDING closed-end loans secured by first liens on 1– 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
(1) Three months or less................................................................................................................
(2) Over three months through 12 months.....................................................................................
(3) Over one year through three years ..........................................................................................
( ) Over three years through five years .........................................................................................
(5) Over five years through 15 years .............................................................................................
(6) Over 15 years...........................................................................................................................
c. Loans and leases (reported in Schedule RC-C, part I, items 1 through 10) 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 five years ................................................
e. Commercial and industrial loans (reported in Schedule RC-C, part I, item ) with a
REMAINING MATURITY of over three years .................................................................................
RCON 1687
RCON 1689
RCON 8691
RCON 8692
RCON A56
RCON A565
RCON A566
RCON A567
RCON A568
RCON A569
RCON A570
RCON A571
RCON A572
RCON A573
RCON A57
RCON A575
RCON A2 7
RCON A577
RCON A578
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.( )
M.3.a.(5)
M.3.a.(6)
M.3.b.(1)
M.3.b.(2)
M.3.b.(3)
M.3.b.( )
M.3.b.(5)
M.3.b.(6)
M.3.c.
M.3.d.
M.3.e.
1 Report fixed rate loans and leases by remaining maturity and floating 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 first liens on 1– family residential
properties included in Schedule RC-N, Memorandum item 3.c.(2), column C, must equal total closed-end loans secured by first liens on
1– 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 first liens on 1– 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 first liens on 1– family residential properties from Schedule RC-C, part I, item 1.c.(2)(a).
16
FFIEC 032
Page RC-8
Legal Title of Bank
FDIC Certificate Number
Schedule RC-C—Continued
Part I. Continued
Memoranda (continued) Dollar Amounts in Thousands Bil Mil Thou
. Loans to finance commercial real estate, construction, and land development activities RCON 27 6
RCON
(not secured by real estate) included in Schedule RC-C, part I, items and 9.b, page RC-6 1......
5369 5. Loans and leases held for sale (included in Schedule RC-C, part I, page RC-6) ..............................
6. Adjustable rate closed-end loans secured by first liens on 1– family residential properties RCON 5370 (included in Schedule RC-C, part I, item 1.c.(2)(a), page RC-6) ......................................................
M. .
M.5.
M.6.
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 1 .a through 1 .e, columns A through D).
C32
Dollar Amounts in Thousands Bil Mil Thou
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. ......................................................
. 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) ........................
RCON 3531
RCON 3532
RCON 3533
RCON 353
RCON 3535
RCON 3536
RCON 3537
RCON 35 1
RCON 35 3
RCFD 35 5
LIABILITIES
13. Liability for short positions..................................................................................................................
1 . Revaluation losses on interest rate, foreign exchange rate, and other commodity and
equity contracts ..................................................................................................................................
15. Total trading liabilities (sum of items 13 and 1 ) (must equal Schedule RC, item 15.b) ....................
Bil Mil Thou RCON 35 6
RCON 35 7
RCON 35 8
◄
1.
2.
3.
.a.
.b.
.c.
5.
9.
11.
12.
13.
1 .
15.
17
FFIEC 032
Page RC-9
Schedule RC-E—Deposit Liabilities
C325
Dollar Amounts in Thousands
Transaction Accounts Nontransaction
Accounts
(Column A) Total transaction
accounts (including total demand deposits)
(Column B) Memo: Total
demand deposits (included in column A)
(Column C) Total
nontransaction accounts
(including MMDAs)
Bil Mil Thou Bil Mil Thou Bil Mil Thou
Deposits of:
1. Individuals, partnerships, and corporations ............
2. U.S. Government ....................................................
3. States and political subdivisions in the U.S. ...........
4. Commercial banks in the U.S. ................................
5. Other depository institutions in the U.S. .................
6. Banks in foreign countries ......................................
7. Foreign governments and official institutions
(including foreign central banks).............................
. Certified and official checks ....................................
9. Total (sum of items 1 through ) (sum of
columns A and C must equal Schedule RC,
item 13.a)................................................................
RC0N 2201
RCON 2240
RCON 2346
RCON 2202
RCON 22 0
RCON 2520
RCON 2203
RCON 2290
RCON 2530
RCON 2206
RCON 2310
RCON 2550
RCON 2207
RCON 2312
RCON 2349
RCON 2213
RCON 2320
RCON 2236
RCON 2216
RCON 2300
RCON 2377
RCON 2330
RCON 2330
RCON 2215
RCON 2210
RCON 23 5
◄
1.
2.
3.
4.
5.
6.
7.
.
9.
Memoranda Dollar Amounts in Thousands Bil Mil Thou
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 eithe in denominations of $100,000 o 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 fo the Decembe epo t 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) ................................................................................
RCON 6 35
RCON 2365
RCON 2343
RCON 2344
RCON A243
RCON A244
RCON 5590
RCON 6 10
RCON 0352
RCON 664
RCON 2604
RCON 239
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.
4. Not applicable
18
FFIEC 032
Page RC-10
Legal Title of Bank
FDIC Certificate Number
Schedule RC-E—Continued
Memoranda (continued) Dollar Amounts in Thousands Bil Mil Thou
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
(1) Three months or less................................................................................................................
(2) Over three months through 12 months.....................................................................................
(3) Over one year through three years ..........................................................................................
(4) Over three years.......................................................................................................................
b. Time deposits of 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
(1) Three months or less................................................................................................................
(2) Over three months through 12 months.....................................................................................
(3) Over one year through three years ..........................................................................................
(4) Over three years.......................................................................................................................
b. Time deposits of $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) .........................................
RCON A579
RCON A5 0
RCON A5 1
RCON A5 2
RCON A241
RCON A5 4
RCON A5 5
RCON A5 6
RCON A5 7
RCON A242
1 Report fixed rate time deposits by remaining maturity and floating 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.
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.
19
FFIEC 032
Page RC-11
Schedule RC-F—Other Assets
RCON 2164
RCON 214
RCON A519
RCON A520
RCON 216
RCON 2160
Dollar Amounts in Thousands
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 financial assets .....................................................................................................................
4. Other (itemize and describe amounts that exceed 25% of this item) ..................................................
a.
b.
c.
5. Total (sum of items 1 through 4) (must equal Schedule RC, item 11) .................................................
Bil Mil Thou
TEXT 3549
TEXT 3550
TEXT 3551
RCON 3549
RCON 3550
RCON 3551
◄
1.
2.
3.a.
3.b.
4.
4.a.
4.b.
4.c.
5.
Memorandum Dollar Amounts in Thousands Bil Mil Thou
RCON 5610 1. Deferred tax assets disallowed for regulatory capital purposes .......................................................... M.1.
Schedule RC-G—Other Liabilities
RCON 3645
RCON 3646
RCON 3049
RCON 3000
RCON 293
RCON 2930
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) .................................................
Dollar Amounts in Thousands
C335
Bil Mil Thou
TEXT 3552
TEXT 3553
TEXT 3554
RCON 3552
RCON 3553
RCON 3554
◄
1.a.
1.b.
2.
3.
4.
4.a.
4.b.
4.c.
5.
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.
20
FFIEC 032
Legal Title of Bank
FDIC Certificate Number
Page RC-12
Schedule RC-K—Quarterly Averages1
C355
Dollar Amounts in Thousands Bil Mil Thou
ASSETS
1. Interest-bearing balances due from depository institutions................................................................
2. U.S. Treasury securities and U.S. Government agency obligations 2 (inclu ing mortgage-
backe securities issue or guarantee by FNMA, FHLMC, or GNMA)......................................
3. Securities issued by states and political subdivisions in the U.S. 2 ....................................................
4. a. Other debt securities 2 (inclu ing mortgage-backe securities not issue or guarantee
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 finance 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....................................................................................................................................
. Lease and financing 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) .............................................................................................................................
RCON 33 1
RCON 33 2
RCON 33 3
RCON 3647
RCON 364
RCON 3365
RCON 3360
RCON 33 5
RCON 33 6
RCON 33 7
RCON 33
RCON 3401
RCON 34 4
RCON 336
RCON 34 5
RCON 34 6
RCON 34 7
RCON A514
RCON A529
RCON 3353
RCON 3355
1 For all items, banks have the option of reporting either (1) an average of daily figures for the quarter, or (2) an average of weekly figures
(i.e., the Wednesday of each week of the quarter). 2 Quarterly averages for all debt securities should be based on amortized cost. 3 Quarterly averages for all equity securities should be based on historical cost. 4 The quarterly average for total assets should reflect all debt securities (not held for trading) at amortized cost, equity securities with readily
determinable fair values at the lower of cost or fair value, and equity securities without readily determinable fair values at historical cost.
◄
1.
2.
3.
4.a.
4.b.
5.
6.a.
6.b.
6.c.
6.d.
6.e.
7.
.
9.
10.
11.a.
11.b.
11.c.
11.d.
12.
13.
21
FFIEC 032
Page RC-13
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.
RCON 3 14
RCON 3 15
RCON 3 16
RCON 6550
RCON 3 17
RCON 3 1
RCON 3 19
RCON 3 21
RCON 3411
RCON 342
RCON 3429
RCON 3432
RCON 3433
RCON A521
RCON A522
RCON A523
RCON A524
RCON A249
RCON A250
RCON A534
RCON A535
RCON 765
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 financial 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 ...........................................................................................................................
. Securities lent (including customers’ securities lent where the customer is indemnified 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 financial 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 20 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 beneficiary .................................................
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 2 , “Total equity capital”)...................
a.
b.
3555
c.
d.
3557
Dollar Amounts in Thousands Bil Mil Thou
RCON 3 20
RCON 3555
RCON 3556
RCON 3557
RCON 355
C360
RCON 3 22
TEXT
TEXT 3556
TEXT
TEXT 355
◄
1.a.
1.b.
1.c.(1)
1.c.(2)
1.d.
1.e.
2.
2.a.
3.
3.a.
4.
5.
6.
7.
.
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.
22
FFIEC 032 Page RC-14
Legal Title of Bank
FDIC Certifi cate Number
Schedule RC-L—Continued
RCON 5591
Dollar Amounts in Thousands 13. 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.
Bil Mil Thou
RCON 5592 RCON 5593 RCON 5594 RCON 5595
TEXT 5592 TEXT 5593 TEXT 5594 TEXT 5595
13.
13.a. 13.b. 13.c. 13.d.
RCON 8693 RCON 8694 RCON 8695 RCON 8696
RCON 8697 RCON 8698 RCON 8699 RCON 8700
RCON 8701 RCON 8702 RCON 8703 RCON 8704
RCON 8705 RCON 8706 RCON 8707 RCON 8708
RCON 8709 RCON 8710 RCON 8711 RCON 8712
RCON 8713 RCON 8714 RCON 8715 RCON 8716
RCON 3450 RCON 3826 RCON 8719 RCON 8720
RCON A126 RCON A127 RCON 8723 RCON 8724
RCON 8725 RCON 8726 RCON 8727 RCON 8728
RCON 8729 RCON 8730 RCON 8731 RCON 8732
RCON A589
Dollar Amounts in Thousands
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 of derivative contracts held for purposes other than trading: a. Contracts marked to market ............
b. Contracts not marked to market ......
c. Interest rate swaps where the bank has agreed to pay a fi xed rate .........................................
C361 (Column C)
Equity Derivative Contracts
(Column D) Commodity and Other Contracts
Tril Bil Mil Thou
(Column A) Interest Rate
Contracts
(Column B) Foreign Exchange
Contracts Tril Bil Mil Thou Tril Bil Mil Thou Tril Bil Mil Thou
Off-balance Sheet Derivatives Position Indicators
◄
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.
23
FFIEC 032
Page RC-15
Legal Title of Bank
FDIC Certificate Number
Schedule RC-L—Continued
RCON RCON RCON RCON 733 734 735 736
RCON RCON RCON RCON 737 73 739 740
RCON RCON RCON RCON 741 742 743 744
RCON RCON RCON RCON 745 746 747 74
RCON RCON RCON RCON 749 750 751 752
RCON RCON RCON RCON 753 754 755 756
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
Bil Mil Thou Bil Mil Thou
(Column D) Commodity and Other Contracts
Bil Mil Thou Bil Mil Thou
(Column A) Interest Rate Contracts
Dollar Amounts in Thousands
Off-balance Sheet Derivatives Position Indicators
C362 ◄
17.a.(1)
17.a.(2)
17.b.(1)
17.b.(2)
17.c.(1)
17.c.(2)
Memoranda Dollar Amounts in Thousands Bil Mil Thou
1.– 2. Not applicable
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
RCON 3 33
exceeding one year conveyed to others ....................................................... RCON 3 34
4. To be completed only by banks with $1 billion or more in total assets:
Standby letters of credit (both financial 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 complete 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 complete for the
September report only)......................................................................................................................
RCON 3377
RCON 2741
RCON 2742
RCON 2743
M.3.
M.3.a.
M.4.
M.5.a.
M.5.b.
M.5.c.
24
FFIEC 032
Page RC- 6
Schedule RC-M—Memoranda
RCON 6 64
RCON 3405
RCON 5500
RCON 550
RCON 5502
RCON 5503
RCON 5504
RCON 5505
RCON 2 03
RCON 2 04
RCON 3 64
RCON B026
RCON 5507
RCON 3 63
RCON 2 43
RCON 6442
RCON 3295
Dollar Amounts in Thousands
C365
. Extensions of credit by the reporting bank to its executive officers, directors, principal
shareholders, and their related interests as of the report date:
a. Aggregate amount of all extensions of credit to all executive officers, directors, principal
shareholders, and their related interests ........................................................................................
b. Number of executive officers, directors, and principal shareholders to whom the amount
of all extensions of credit by the reporting bank (including extensions of credit to
related interests) equals or exceeds the lesser of $500,000 or 5 percent
of total capital as defined for this purpose in agency regulations ......................
2. Federal funds sold and securities purchased under agreements to resell with U.S. branches
and agencies of oreign banks (included in Schedule RC, item 3)...................................................
3. Not applicable
4. Outstanding principal balance of – 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:
( ) Serviced with recourse to servicer ...........................................................................................
(2) Serviced without recourse to servicer ......................................................................................
c. Mortgages serviced under a FNMA contract:
( ) Serviced under a regular option contract .................................................................................
(2) Serviced under a special option contract .................................................................................
d. Mortgages serviced under other servicing contracts ......................................................................
5. To b compl t d only by banks with $1 billion or mor in total ass ts:
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 ..............................................................................................................
( ) Estimated fair value of mortgage servicing assets ............................
b. Other identifiable intangible assets:
( ) Purchased credit card relationships and nonmortgage servicing assets .................................
(2) All other identifiable intangible assets ......................................................................................
c. Goodwill ..........................................................................................................................................
d. Total (sum of items 6.a, 6.b.( ), 6.b.(2), and 6.c) (must equal Schedule RC, item 0)...................
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 ..................................................................................................................................
Bil Mil Thou
RCON 6 65
RCON A590
Number
◄
.a.
.b.
2.
4.a.
4.b.( )
4.b.(2)
4.c.( )
4.c.(2)
4.d.
5.a.
5.b.
6.a.
6.a.( )
6.b.( )
6.b.(2)
6.c.
6.d.
6.e.
7.
Do not report federal funds sold and securities purchased under agreements to resell with other commercial banks in the U.S. in this item.
25
FFIEC 032
Page RC- 7
Legal Title of Bank
FDIC Certificate Number
Schedule RC-M—Continued
Dollar Amounts in Thousands Bil Mil Thou
8. a. Other real estate owned:
( ) Direct and indirect investments in real estate ventures ..........................................................
(2) All other real estate owned:
(a) Construction and land development.................................................................................
(b) Farmland ..........................................................................................................................
(c) – 4 family residential properties ......................................................................................
(d) Multifamily (5 or more) residential properties ...................................................................
(e) Nonfarm nonresidential properties ...................................................................................
(3) Total (sum of items 8.a.( ) and 8.a.(2)) (must equal Schedule RC, item 7)............................
b. Investments in unconsolidated subsidiaries and associated companies:
( ) 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.( ) 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” ...................................................................
0. 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 0.a through
0.e above) ...................................................................................................................................
. Net unamortized realized deferred gains (losses) on off-balance sheet derivative contracts
included in assets and liabilities reported in Schedule RC ................................................................
2. Amount of assets netted against nondeposit liabilities on the balance sheet (Schedule RC) in
accordance with generally accepted accounting principles ..............................................................
3. Outstanding principal balance of loans other than – 4 family residential mortgage loans
that are serviced for others (to be completed if this balance is more than $ 0 million and
exceeds ten percent of total assets) ..................................................................................................
RCON 5372
RCON 5508
RCON 5509
RCON 55 0
RCON 55
RCON 55 2
RCON 2 50
RCON 5374
RCON 5375
RCON 2 30
RCON 3778
RCON 644
RCON 8427
RCON 8428
RCON 8429
RCON 8430
RCON 8784
RCON A525
RCON A526
RCON A59
8.a.( )
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.( )
8.b.(2)
8.b.(3)
9.
0.a.
0.b.
0.c.
0.d.
0.e.
0.f.
.
2.
3.
Memorandum Dollar Amounts in Thousands
. Reciprocal holdings of banking organizations’ capital instruments (to be completed
or the December report only)......................................................................................................... RCON 3836 M. .
Bil Mil Thou
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.
RCON RCON RCON 0000 0000 0000
RCON RCON RCON0000 0000 0000
26
FFIEC 032
Page RC- 8
Schedule RC-N—Past Due and Nonaccrual Loans, Leases, and Other Assets
The FFIEC regards the information reported in
all of Memorandum item , in items through 0,
column A, and in Memorandum items 2 through 4, C370
column A, as confidential.
Dollar Amounts in Thousands
(Column A) Past due
30 through 89 days and still accruing
(Column B) Past due 90 days or more
and still accruing
(Column C) Nonaccrual
Bil Mil Thou Bil Mil Thou Bil Mil Thou
. Loans secured by real estate:
a. To U.S. addressees (domicile) .........................
b. To non-U.S. addressees (domicile) ..................
2. Loans to depository institutions and acceptances
of other banks:
a. To U.S. banks and other U.S. depository
institutions ........................................................
b. To foreign banks...............................................
3. Loans to finance agricultural production and
other loans to farmers ...........................................
4. Commercial and industrial loans:
a. To U.S. addressees (domicile) .........................
b. To non-U.S. addressees (domicile) ..................
5. Loans to individuals for household, family, and
other personal expenditures:
a. Credit cards and related plans .........................
b. Other (includes single payment, installment,
and all student loans) .......................................
6. Loans to foreign governments and offi cial
institutions .............................................................
7. All other loans .......................................................
8. Lease financing 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)...................................................................
RCON 245
RCON 246
RCON 247
RCON 248
RCON 249
RCON 250
RCON 5377
RCON 5378
RCON 5379
RCON 5380
RCON 538
RCON 5382
RCON 594
RCON 597
RCON 583
RCON 25
RCON 252
RCON 253
RCON 254
RCON 255
RCON 256
RCON 5383
RCON 5384
RCON 5385
RCON 5386
RCON 5387
RCON 5388
RCON 5389
RCON 5390
RCON 539
RCON 5459
RCON 5460
RCON 546
RCON 257
RCON 258
RCON 259
RCON 27
RCON 272
RCON 79
RCON 3505
RCON 3506
RCON 3507
◄
.a.
.b.
2.a.
2.b.
3.
4.a.
4.b.
5.a.
5.b.
6.
7.
8.a.
8.b.
9.
Amounts reported in items through 8 above include guaranteed and unguaranteed portions of past due and nonaccrual loans and
leases. Report in item 0 below certain guaranteed loans and leases that have already been included in the amounts reported in
items through 8.
0. Loans and leases reported in items through 8
above which are wholly or partially guaranteed
by the U.S. Government .......................................
a. Guaranteed portion of loans and leases
included in item 0 above ................................
Bil Mil Thou Bil Mil Thou Bil Mil Thou
RCON RCON RCON 56 2 56 3 56 4
RCON RCON RCON 56 5 56 6 56 7
0.
0.a.
27
FFIEC 032
Page RC- 9
Legal Title of Bank
FDIC Certificate Number
Schedule RC-N—Continued C373
Memoranda Dollar Amounts in Thousands
(Column A) Past due
30 through 89 days and still accruing
(Column B) Past due 90 days or more
and still accruing
(Column C) Nonaccrual
Bil Mil Thou Bil Mil Thou Bil Mil Thou
. Restructured loans and leases included in
Schedule RC-N, items through 8, above
(and not reported in Schedule RC-C, Part I,
Memorandum item 2) .............................................
2. Loans to finance commercial real estate,
construction, and land development activities
(not secured by real estate) included in
Schedule RC-N, items 4 and 7, above ...................
3. Loans secured by real estate (sum of
Memorandum items 3.a through 3.e must
equal sum of Schedule RC-N, items .a and
.b, above):
a. Construction and land development ..................
b. Secured by farmland..........................................
c. Secured by – 4 family residential properties:
( ) Revolving, open-end loans secured by
– 4 family residential properties and
extended under lines of credit .....................
(2) All other loans secured by – 4 family
residential properties ...................................
d. Secured by multifamily (5 or more) residential
properties...........................................................
e. Secured by nonfarm nonresidential properties ..
RCON 658
RCON 659
RCON 66
RCON 6558
RCON 6559
RCON 6560
RCON 2759
RCON 2769
RCON 3492
RCON 3493
RCON 3494
RCON 3495
RCON 5398
RCON 5399
RCON 5400
RCON 540
RCON 5402
RCON 5403
RCON 3499
RCON 3500
RCON 350
RCON 3502
RCON 3503
RCON 3504
◄
M. .
M.2.
M.3.a.
M.3.b.
M.3.c.( )
M.3.c.(2)
M.3.d.
M.3.e.
RCON 3528
(Column A) (Column B) Past due 30 Past due 90
through 89 days days or more Dollar Amounts in Thousands
Bil Mil Thou Bil Mil Thou 4. Interest rate, foreign exchange rate, and other
commodity and equity contracts: RCON 3522 a. Book value of amounts carried as assets ..........
b. Replacement cost of contracts with a RCON RCON 3529 3530 positive replacement cost ..................................
M.4.a.
M.4.b.
C377 ◄ Person to whom questions about the Reports of Condition and Income should be directed:
Name and Title (TEXT 890 )
Telephone: Area code/phone number/extension (TEXT 8902) FAX: Area code/phone number (TEXT 9 6)
28
FFIEC 0 2
Page RC-20
Schedule RC-O—Other Data for Deposit Insurance and FICO Assessments
C375
Dollar Amounts in Thousands Bil Mil Thou
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..........................................
. 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 reflected as deposit liabilities of
the reporting bank:
a. Amount reflected in demand deposits (included in Schedule RC-E, item 4 or 5,
column B) ......................................................................................................................................
b. Amount reflected 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 co pleted 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. Benefit-responsive “Depository Institution Investment Contracts” (included in total deposits) ..........
RCON 00 0
RCON 00 1
RCON 00 2
RCON 510
RCON 512
RCON 514
RCON 520
RCON 2211
RCON 2 51
RCON 5514
RCON 2 14
RCON 2 15
RCON 5516
RCON 5517
RCON A5 1
RCON A5 2
RCON A5
RCON 5596
RCON 84 2
◄
1.a.
1.b.(1)
1.b.(2)
2.a.
2.b.(1)
2.b.(2)
.
4.a.
4.b.
4.c.
6.a.
6.b.
7.a.
7.b.
8.a.(1)
8.a.(2)
8.b.
9.
10.
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.
29
FFIEC 0 2
Page RC-21
Schedule RC-O—Continued
Dollar Amounts in Thousands Bil Mil Thou
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 offices 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 offices 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 offices 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 ........................................................
RCON 8785
RC0N A181
RCON A182
RC0N A527
RCON A528
11.a.
11.b.
11.c.
12.a.
12.b.
Memoranda (to be co pleted each quarter except as noted) Dollar Amounts in Thousands Bil Mil Thou
1. Total deposits of the bank (sum of Memorandum items 1.a.(1) and 1.b.(1) must equal
Schedule RC, item 1 .a):
a. Deposit account of $100,000 or less:
(1) Amount of deposit accounts of $100,000 or less.................................................................... Number (2) umber of deposit accounts of $100,000 or less (to be
RCON 2702
co pleted for the June report only) ............................................. RCON
779
b. Deposit accounts of more than $100,000:
(1) Amount of deposit accounts of more than $100,000 .............................................................. Number
RCON 2710
(2) umber of deposit accounts of more than $100,000........................ RCON 2722
M.1.a.(1)
M.1.a.(2)
M.1.b.(1)
M.1.b.(2)
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 YES NO procedure for determining a better estimate of uninsured deposits than the estimate
described above............................................................................................................................ RCON 6861
Bil Mil Thou RCON
5597
M.2.a.
b. If the box marked YES has been checked, report the estimate of uninsured deposits
determined by using your bank’s method or procedure ................................................................ M.2.b.
. 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 Certificate Number of the parent bank or parent savings FDIC Cert No. association:
TEXT A545
RCON A545 M. .
30
FFIEC 0 2
Page RC-22
Legal Title of Bank
FDIC Certificate Number
Schedule RC-R—Regulatory Capital
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 0, 1999, must complete items 2 through 9 and Memoranda items 1 and 2. Banks with assets of less than $1 billion ust
co plete ite s 1 through 3 below or Schedule RC-R in its entirety, depending on their response to ite 1 below.
1. Test for deter ining the extent to which Schedule RC-R ust be co pleted. To be co pleted
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 ......
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 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.
C380
1.
◄
RCON 6056
YES NO
NOTE: All banks are required to co plete ite s 2 and 3 below.
See optional worksheet for ite s 3.a through 3.f.
Dollar Amounts in Thousands Bil Mil Thou
2. Portion of qualifying limited-life capital instruments (original weighted average maturity of at
least five years) that is includible in Tier 2 capital:
a. Subordinated debt 1 and intermediate term preferred stock ...........................................................
b. Other limited-life capital instruments...............................................................................................
. 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 .............................................................................................................................
( ) Tier 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 .c above and all other deductions) ...............
(2) Market risk equivalent assets (included in item .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 .............................................................................................
RCON A515
RCON A516
RCON 8274
RCON 8275
RCON 1 95
RCON 792
RCON A222
RCON A22
RCON 1651
RCON 1727
RCON A224
Ite s 4 – 9 and Me oranda ite s 1 and 2 are to be co pleted
by banks that answered NO to ite 1 above and
by banks with total assets of $1 billion or ore.
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................................
(Column A) Assets Recorded
on the Balance Sheet
(Column B) Credit Equivalent Amount of Off-
Balance Sheet Items
Bil Mil Thou Bil Mil Thou RCON 516
RCON 796
2.a.
2.b.
.a.(1)
.a.(2)
.a.( )
.b.
.c.
.d.(1)
.d.(2)
.e.
.f.
4.a.
4.b.
1 Exclude mandatory convertible debt reported in Schedule RC-M, item 7. 2 Do not deduct excess allowance for loan and lease losses. Do not report in column B the risk-weighted amount of assets reported in column A.
31
FFIEC 0 2
Page RC-2
Schedule RC-R—Continued
Dollar Amounts in Thousands
(Column A) Assets
Recorded on the
Balance Sheet
(Column B) Credit Equivalent
Amount of Off-Balance
Sheet Items 1
Bil Mil Thou Bil Mil Thou
5. Assets and credit equivalent amounts of off-balance sheet items
assigned to the 20 percent risk category:
a. Assets recorded on the balance sheet .....................................................
b. Credit equivalent amount of off-balance sheet items................................
6. Assets and credit equivalent amounts of off-balance sheet items
assigned to the 50 percent risk category:
a. Assets recorded on the balance sheet .....................................................
b. Credit equivalent amount of off-balance sheet items................................
7. Assets and credit equivalent amounts of off-balance sheet items
assigned to the 100 percent risk category:
a. Assets recorded on the balance sheet .....................................................
b. Credit equivalent amount of off-balance sheet items................................
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)......................................................................
RCON 5165
RCON 801
RCON 802
RCON 80
RCON 804
RCON 805
RCON 806
RCON 807
5.a.
5.b.
6.a.
6.b.
7.a.
7.b.
8.
9.
Memoranda Dollar Amounts in Thousands
1. Current credit exposure across all off-balance sheet derivative contracts covered by the
risk-based capital standards................................................................................................................ RCON 8764 M.1.
Bil Mil Thou
2. Notional principal amounts of off-
balance sheet derivative contracts :
a. Interest rate contracts ......................
b. Foreign exchange contracts ............
c. Gold contracts..................................
d. Other precious metals contracts ......
e. Other commodity contracts ..............
f. Equity derivative contracts ...............
With a remaining maturity of
(Column A) One year or less
(Column B) Over one year
through five years
(Column C) Over five years
Tril Bil Mil Thou Tril Bil Mil Thou Tril Bil Mil Thou RCON 809
RCON 8766
RCON 8767
RCON 812
RCON 8769
RCON 8770
RCON 8771
RCON 8772
RCON 877
RCON 8774
RCON 8775
RCON 8776
RCON 8777
RCON 8778
RCON 8779
RCON A000
RCON A001
RCON A002
M.2.a.
M.2.b.
M.2.c.
M.2.d.
M.2.e.
M.2.f.
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. Exclude foreign exchange contracts with an original maturity of 14 days or less and all futures contracts.
32
FFIEC 0 2
Page RC-24
FDIC Certificate Number
Option l Narrative Statement Concerning the Amounts Reported in the Reports of Condition and Income
at close of business on
Legal Title of Bank
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 confidential 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 defined, it will be truncated at 750 characters with no notice
to the submitting bank and the truncated statement will appear as
, City State
the bank’s statement both on agency computerized records and in
computer-file releases to the public.
All information furnished by the bank in the narrative statement
must be accurate and not misleading. Appropriate efforts shall be
taken by the submitting bank to ensure the statement’s accuracy.
The statement must be signed, in the space provided below, by a
senior officer of the bank who thereby attests to its accuracy.
If, subsequent to the original submission, m teri l changes are
submitted for the data reported in the Reports of Condition and
Income, the existing narrative statement will be deleted from the
files, and from disclosure; the bank, at its option, may replace it with
a statement, 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) C372 C371
BANK MANAGEMENT STATEMENT (ple se type or print cle rly): (TEXT 6980)
Sign ture of Executive Officer of B nk D te of Sign ture
33
T IS PAGE IS TO BE COMPLETED BY ALL BANKS
NAME AND ADDRESS OF BANK
OMB No. For OCC: 1557-0081
OMB No. For FDIC: 064-0052
OMB No. for Federal Reserve: 7100-00 6
Expiration Date: / 1/2002
SPECIAL REPORT
(Dollar Amounts in Thousands)
CLOSE OF BUSINESS
DATE
FDIC Certificate Number
C-700 ◄
LOANS TO EXECUTIVE OFFICERS (Complete s of e ch C ll Report D te)
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 officers 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 first $15,000 of indebtedness of e ch executive officer under b nk
credit c rd pl n.) See Sections 215.2 and 215.3 of Title 12 of the Code of Federal Regulations (Federal Reserve Board Regulation O) for the
definitions of “executive officer” and “extension of credit,” respectively. Exclude loans and other extensions of credit to directors and principal
shareholders who are not executive officers.
RCON 561 a. Number of loans made to executive officers since the previous Call Report date ......................... a. RCON 562 b. Total dollar amount of above loans (in thousands of dollars) ......................................................... b.
c. Range of interest charged on above loans
(example: 9¾% = 9.75) ................................................................................. RCON 7701 . % to
RCON 7702 . % c.
SIGNATURE AND TITLE OF OFFICER AUTHORIZED TO SIGN REPORT DATE (Month, Day, Year)
FDIC 8040/5 ( -98)