Consolidated Reports of Condition and Income for A Bank With … · Ai ea ooefpl lUi ie 'Idi' .bei (TEXT eo,.) FJlt Ai 06 wde1pl 161.6 ¡lUI' ibw (i EX' e6l9) This information is

Federal Financial Institutions Examination Council

Board of Governors of the Federal Reserve SystemOMB Number: 7100-0036Federal Deposit Insurance Corporation

OMB Number: 3064-0052

Offce of the Comptroller of the CurrencyOMB Number: 1557-0081Expires May 31, 2009

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

LJ

Consolidated Reports of Condition and Income forA Bank With Domestic Offices Only-FFIEC 041

(28881231) (2. ooq I 2. "31)(RCON99)Report at the close of business December 31, -2

2coCfThis report is required by law: 12 U.S.C. §324 (State member banks);12 U.S.C. §1817 (State nonmember banks); and 12 U.S.C. §161(National banks).

This report form is to be fied by banks with domestic offices only.Banks with foreign offices (as defined in the instructions) must fileFFIEC 031.

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

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

Signature of Chief Financial Ofcer (or Equivalent)

Date of Signature

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

Director (Trustee)

Director (Trustee)

Director (Trustee)

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

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

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

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

FDIC Certificate Number i i I i(RSSD90S0)

To fulfill the signature and attestation requirement for the Reportsof Condition and Income for this report date, attach your bank'scompleted signature page (or a photocopy or a computer-generated version of this page) to the hard-copy record of the data fiesubmitted to the CDR that your bank must place in its files.

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

Legal Title of Bank (RSSD 9(17)

City (RSSD 9130)

State Abbrev. (RSSD 9200) ZiP Code (RSSD 9220)

Board of Govemors of the Federal Reserve System, Federal Deposit Insurance Corporation, Offæ of the Comptroller of the Currency

DRAFT

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

Table of Contents

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

Report of Income

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

Schedule RI-A-Changes inAEquity Capital.................RI-4

Schedule RI-B-Charge-offs and Recoveries on

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

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

Report of Condition

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

Schedule RC-A-Cash and Balances DueFrom Depository Institutions(to be completed only by selected banks).............. RC-3

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

Disclosure of Estimated Burden650

The estimated average burden associated with this information Go;lection is¿. " 2. .i hours per respondent and is estimated to vary from 16 to ~hours per

response, depending on individual circumstances. Burden estimates include thetime for reviewing instructions, gathering and maintaining data in the required form,and completing the information collection, but exclude the time for compiling andmaintaining business records in the normal cours of a respondent's activities. AFederal agency may not conduct or sponsor, and an organization (or a person) is notrequired to respond to a collection of information, unless it displays a currently validOMB contrl number. Comments concerning the accuracy of this burden estimateand suggestions for reducing this burden should be directed to the Offce of Informa-tion and Regulatory Affairs, Offce of Management and Budget, Washington, D.C.20503. and to one of the following:

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

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

Assistant Executive SecretaryFederal Deposit Insurance Corporation

Washington, D.C. 20429

FFIEC 041

Pagei

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Schedule RC-C-Loans and Lease FinancingReceivables:Part i. Loans and Leases ......................... RC-7, 8, 9, 10

Part II. Loans to Small Businesses andSmall Farms (to be completed for theJune report only) ........ ................. ............... RC-1Oa, 10b

Schedule RC-D- Trading Assets and Liabilities(to be completed only by selectedbanks) ...................................................... RC-11, 12, 13

Schedule RC-E-Deposit Liabilities ................... RC-14, 15

Schedule RC-F-Other Assets................................. RC-16

Schedule RC-G-Other Liabilities............... ............. RC-16

Schedule RC-K-Quarterly Averages ...................... RC-17

Schedule RC-L-Derivatives andOff-Balance Sheet Items ................................ RC-18, 19

Schedule RC-M-Memoranda ........................... RC-20, 21

Schedule RC-N-Past Due and Nonaccrual

Loans, Leases, and Other Assets ...... RC-22, 23, 24, 25

Schedule RC-O-Other Data for DepositInsurance and FICO Assessments.... ............. RC-25, 26

Schedule RC-P-1-4 Family ResidentialMortgage Banking Activities (to be completedonly by selected banks)........................................ RC-27

Schedule RC-Q FiA8Aeil!~Assets and 01' c. R~(lor"l'iI ßeu,.sLiabilities Measured at Fair valueØabe completed only by selected banks) ................. RC-28

Schedule RC-R-Regulatory Capital..... RC-29, 30, 31,32

Schedule RC-S-Servicing, Securitization,and Asset Sale Activities ..... ..................... RC-33, 34, 35

Schedule RC- T -Fiduciary and

Related Services ...................................... RC-36, 37,38

Optional Narrative Statement Concerningthe Amounts Reported in the Reportsof Condition and Income ........ ..... ......................... RC-39

For information or assistance, National and State nonmember banks should contact the FDIC's Data Collection and Analysis Section,550 17th Street, NW, Washington, D.C. 20429, toll free on (800) 688-FDIC(3342), Monday through Friday between 8:00 a.m. and5:00 p.m., Eastern time. State member banks should contact their Federal Reserve District Bank.

DRAFT

FFIEC 041

Pageii

Contact Information for the Reports of Condition and IncomeTo facilitate communication between the Agencies and the bank concerning the Report of Condition and Income, please provide contact information for(1) the Chief Financial Offær (or equivalent) of the bank signing the report for this quarter and (2) the person at the bank-other than the Chief finan-cial Ofær (or equivalent)- to whom questions about the report should be directed. If the Chief Financial Offær (or equivalent) is the primary contactfor questions about the report, please provide contact information for another person at the bank who wil serve as a secondary contact for communica-tions between the Agencies and the bank conæming the Report of Condition and Income. Enter "none" for the contact's e-mail address or fax numberif not available. Contact information for the Report of Condition and Income is for the confidential use of the Agencies and wil not be released to thepublic.

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

o

Name (TEXT C495)Name (TXT C490)

Title (TXT C491) Title (TXT C496)

E-mail Address (TEXT C492) E-mail Address (TXT 408)

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

FAX: Area coe/phone number (TXT C494) FAX: Area coe/phone number (TXT 9116)

Emergency Contact Information

This information is being requested so the Agencies can distribute critical, time sensitive information to emergency contacts at banks. Please provideprimary contact information for a senior offcial of the bank who has decision-making authority. Also provide information for asecondary contact if available. Enter "none" for the contact's e-mail address or fax number if not available. Emergency contact information is forthe confidential use of the Agencies and wil not be released to the public.

Primary Contact Secondary Contact

Na me (TT C366) Name (TXT C371)

Title (TEXT C367) Title (TXT C372)

E-mail Address (TXT C373)E-mail Address (TEXT C368)

Telephone: Area code/phone number/extension (TEXT C369) Telephone: Area coe/phone number/extension (TEXTC374)

FAX: Area coe/phone number (TXT C370) FAX: Area code/phone number (TXT C37S)

DRAFT

. FFIEC 041

Pate iii

USA PATRIOT Act Section 314(a) Anti-Money Laundering Contact Information oTnis i reQuested to identify points-of-contact who are in charge of your depository institution's Section 31 ....0

~

could be contacted by federal lawen ~"'. for additional information related to anti- . em ".., "'" g and anti-money laundering. Please~ provide information for a secondary contact if available. Informa i . contact may be provided at the bank's option. Enter "none"

for the contact's e-mail address or fax _L '. 'v, dvaiiaole. USA PATRIOT Act contact informauon - 'ential use of the Agencies andthe Fina ' _. nv æment Network (FinCEN) and wil not be released to the public.

Primary Contact Secondary Contact

Name (TEXT C437) Name (TXTC42)

Title (TXT C438) Title (TXT C43)

E-mail Address (TXT C439) E-mail Address (TXT C44)

Telephone: Area coe/phone number/extension (TXT C40) Telephone: Area coe/phone number/extension (TXT C4S)

~oX. °FiS &QQQ'pRCnO mimbs, (21iX7G111~ r/dt. AlGa wdcYphelic 'IUii.bcl (IEXI 04""

Third Contact Fourth Contact

Name (TEXT C870) Name (T C87S)

Title (TXT C871) Tille (TXT C878)

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

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

,.. Ai ea ooefpl lUi ie 'Idi' .bei (TEXT eo,.) FJlt Ai 06 wde1pl 161.6 ¡lUI' ibw (i EX' e6l9)

This information is being requested to identify points-of-contact who are in charge of your bank'sUSA PATRIOT Act Section 314(a) information requests. Bank personnel listed could be contactedby law enforcement offcers or the Financial Crimes Enforcement Network (FinCEN) for additionalinformation related to specific Section 314(a) search requests or other anti-terrorist financing andanti-money laundering matters. Communications sent by FinCEN to the bank for purposes other thanSection 314(a) notifications will state the intended purpose and should be directed to the appropriatebank personnel for review. Any disclosure of customer records to law enforcement officers or FinCENmust be done in compliance with applicable law, including the Right to Financial Privacy Act (12 U.S.C.3401 et seq.).

Please provide information for a primary and secondary contact. Information for a third and fourth contactmay be provided at the bank's option. Enter "none" for the contact's e-mail address if not available. Thiscontact information is for the confidential use of the Agencies, FinCEN, and law enforcement offcers andwil not be released to the public.

DRAFT

Consolidated Report of Incomefor the period January 1, 2008 Septeiiibei 30,2008 2ooq- Decemher 31, 2009All Report of Income schedules are to be reported on a calendar year-to-date basis in thousands of dollars.

Schedule RI-Income Statement

Dollar Amounts in Thousands

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

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

(2) Commercial and industrial loans................................... ...... ................ ..................... ..............

(3) Loans to individuals for household. family. and other personal expenditures:(a) Credit cards.....................................................................................................................(b) Other (includes single payment. installment. all student loans. and revolving credit

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

(4) Loans to foreign governments and offcial institutions.. ................... ...................................... 4056(5) All other loans1....................................................................................................................... 4058(6) Total interest and fee income on loans (sum of items 1.a.(1)(a) through 1.a.(5)) .................. 4010

b. Income from lease financing receivables ..... ................................................... ............................. 4065c. Interest income on balances due from depository institutions2 .................................................... 4115d. Interest and dividend income on securities:

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

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

U.S.)....................................................................................................................................... 4060e. Interest income from trading assets ....................................................... ...................................... 4069f. Interest income on federal funds sold and securities purchased under agreements to resell ..... 4020g. Other interest income................................................................................................................... 4518h. Total interest income (sum of items 1.a.(6) through 1.g) .............................................................. 4107

2. Interest expense:a. Interest on deposits:

(1) Transaction accounts (NOW accounts. ATS accounts. and telephone and preauthorizedtransfer accounts) ..................................................................................................................

(2) Nontransaction accounts:

(a) Savings deposits (includes MMDAs) .......................... ................................................... 0093(b) Time deposits of $100.000 or more................................................................................. A517(c) Time deposits of less than $100.000............................................................................... A518

b. Expense of federal funds purchased and securities sold under agreements to repurchase........ 4180c. Interest on trading liabilities and other borrowed money.............................................................. 4185

FFIEC 041

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

1.a.(3)(a)

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

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

1.d.(3)1.e.1.1.

1.g.1.h.

2.a.(1)

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

, Includes interest and fee income on "Loans to depository institutions and acceptances of other banks," "Loans to finance agricultural production and otherloans to farmers." "Obligations (other than securities and leases) of states and political subdivisions in the U.S.." and "Other loans."

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

DRAFT

Schedule RI-Continued


2. Interest expense (continued):d. Interest on subordinated notes and debentures.....................................e. Total interest expense (sum of items 2.a through 2.d) ...........................

3. Net interest income (item 1.h minus 2.e) ....................................................4. Provision for loan and lease losses.............................................................5. Noninterest income:

a. Income from fiduciary activities1.............................................................b. Service charges on deposit accounts............................. ..... ...................c. Trading revenue2....................................................................................d. (1) Fees and commissions from securities brokerage...........................

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

(3) Fees and commissions from annuity sales......................................(4) Underwriting income from insurance and reinsurance activities......(5) Income from other insurance activities..... .......................................

e. Venture capital revenue..........................................................................f. Net servicing fees...................................................................................g. Net securitization income .......................................... .................... .........h. Not applicable

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

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

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

(excluding salaries and employee benefits and mortgage interest) .......c. (1) Goodwill impairment losses .............................................................

(2) Amortization expense and impairment losses for otherintangible assets ...... ..... ..................... ..................... ........ ........ ...... ...

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

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

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

(item 8 minus item 9)...................................................................................11. Extraordinary items and other adjustments, net of income taxes. ..............

FFIEC 041

Page RI.2

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3.

4.

5.a.5.b5.c.5.d.(1)

C888 5.d.(2)C887 5.d.(3)C386 5.d.(4)C387 5.d.(5)B491 5.e.B492 5.1.B493 5.g.

5.m.G.a.

G.b.

7.a.

7.b.7 .c.(1)

7.e.

8.

9.

'\ Re,lctcL WI'/1 INSEfl7 A

. Describe on Schedule RI-E-Explanations1 For banks required to complete Schedule RC-T, items 12 through 19, income from fiduciary activities reported in Schedule RI, item S.a, must

equal the amount reported in Schedule RC-T, item 19.2 For banks required to complete Schedule RI, Memorandum item 8, trading revenue reported in Schedule RI, item S.c, must equal the sum of

Memorandum items 8.a through 8.e.

DRAFT

INSERT A - FFIEC 041

12. Net income (loss) attributable to bank and noncontrollng(minority) interests (sum of items 10 and 11) .... .........................

13. LESS: Net income (loss) attributable to noncontrollng(minority) interests (if net income, report as a positive value; ifnet loss, report as a negative value) ..........................................

14. Net income (loss) attributable to bank (item 12 minus item 13)

DRAFT

Schedule RI-ContinuedMe Me ,- ~r\cJ /.~I ikm. 2-

Ii h,Jl¡'ol' Or nt.;r~ ,'"

h 1- be. Co,../'IÛ"vJ i'y banks WI rl.,

fo h.1 as u fs . Dollar Amounts in Thousands

1. Interest expense incurred to carry tax-exempt securities, loans, and leases acquired afterAugust 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. Income on tax-exempt loans and leases to states and political subdivisions in the U.S. (includedin Schedule RI, items 1.a and 1.b) ..... ........................................................... ........ ................. ............

4. Income on tax-exempt securities issued by states and political subdivisions in the U.S.

(included in Schedule RI, item 1.d.(3))...............................................................................................5. Number of full-time equivalent employees at end of current period (round to nearest whole

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

Memorandum item 6 is to be completed by:1banks with $300 millon or more in total assets, andbanks with less than $300 millon in total assets that have loans to finance agriculturalproduction and other loans to farmers (Schedule RC-C, part i, item 3) exceedingfive percent of total loans.

6. Interest and fee income on loans to finance agricultural production and other loans to farmers

(included in Schedule RI, item 1.a.(5))......................................................................................7. If the reporting bank has restated its balance sheet as a result of applying push down

accounting this calendar year, report the date of the bank's acquisition2 ........ ........................

Year-to-date

RIAD

9106

4024

CC MM

8. Trading revenue (from cash instruments and derivative instruments) (sum ofMemorandum items 8.a through 8.e must equal Schedule RI, item 5.c) (To be completed bybanks that reported average trading assets (Schedule RC-K. item 7) of $2 milion or morefor any quarter of the preceding calendar year.):a. Interest rate exposures..................................................................................................................b. Foreign exchange exposures........................................................................................................c. Equity security and index exposures.............,...............................................................................d. Commodity and other exposures..................................................................................................e. Credit exposures ............................. .......................................... .................. ..................................

9. Net gains (losses) recognized in earnings on credit derivatives that economically hedgecredit exposures held outside the trading account:a. Net gains (losses) on credit derivatives held for trading................................................. ...............b. Net gains (losses) on credit derivatives held for purposes other than trading...............................

10. To be completed by banks with $300 millon or more in total assets:1Credit losses on derivatives (see instructions)...................................................................................

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

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

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

Memorandum item 13 is to be completed by banks that have elected to account for assets andliabilties under a fair value option.13. Net gains (losses) recognized in earnings on assets and liabilities that are reported at fair

value under a fair value option:a. Net gains (losses) on assets ........ .......... .................... ........ ..................................... ..... .......... ....

(1) Estimated net gains (losses) on loans attributable to changes in instrument-specificcredit risk...............................................................................................................................

b. Net gains (losses) on liabilties..................................................................................................(1) Estimated net gains (losses) on liabilities attributable to changes in instrument-

specific credit risk................................................................................................................

yy

RIAO

8757

875887598760F186

ThouBil Mil

i The asset size llsts and the five percent of total loans test are generally based on the total assets and total loans reported on theJune 30, 2001, Report of Condition.

2 For example. a bank acquired on March 1, 2008. would report 20080301.

FFIEC 041

Page RI-3

CD

M.1.

M.2.

M.3.

MA.

M.5.

M.6.OD

M.7.

M.8.a.M.8.b.M.8.c.M.B.d.

M.8.e.

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

M.10.

M.11.

M.12.

M.13.a.

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

M.13.b.(1)

DRAFT

1.a.(1 )

1.a.(2)1.b.

1.c.(1)

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

1.e.(1 )

1.e.(2)2.

4.

5.a.

6517 5.b.4627 6.4628 7.4267 8.4605 9.

11~"kSchedule RI-A-Changes inAEquity CapitalIndicate decreases and losses in parentheses. D liar Amounts in Thousands RIAO Bil

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

2. Restatements due to corrections of material accounting errors and changes in accountingprinciples............................................................................................................................................

3. Balance end of previous calendar year as restated (sum of items 1 and 2) .................... ..................4. Net income (IOSSWmust equal Schedule RI, item ~.I~)................~t+~!:9.Mo~.~.::I...bM.k.........5. Sale, conversion, acquisition, or retirement of capital stock, net (excluding treasury stock

transactions)....................................................................................................................................... B5096. Treasury stock transactions, net ........................................................................................................ 65107. Changes incident to business combinations, net...................... ......................................... ............... 43568. LESS: Cash dividends declared on preferred stock........................................................................... 44709. LESS: Cash dividends declared on common stock ........................................................................... 4460

10. Other comprehensive income'........................................................................................................... B51111. Other transactions with parent holding company. (not included in items 5, 6, 8, or 9 above) ........... 44152. Tota equity capital end of current period (sum of items 3 through 11) (must equal Schedule RC,

item~..i.~:.'!)..................................................................................................................................bal'l(

.Describe on Schedule RI-E-Explanations.1 Includes changes in net unrealized holding gains (losses) on available-for-sale securities, changes in accumulated net gains (losses) on cash

flow hedges, and pension and other postretirement plan-related changes other than net periodic benefit cost.

Schedule RI-B-Charge-offs and Recoveries on Loans and Leases

and Changes in Allowance for Loan and Lease Losses

Part I. Charge-offs and Recoveries on Loans and Leases (Column B)Recoveries

Part I includes charge-offs and recoveries throughthe allocated transfer risk reserve. Dollar Amounts in Thousands

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

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

land loans........................................................................................ C893b. Secured by farmland...... ..................... ............. ................... ..................... 3584c. Secured by 1-4 family residential properties:

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

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

d. Secured by multifamily (5 or more) residential properties ....................... 3588e. Secured by nonfarm nonresidential properties:

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

(2) Loans secured by other nonfarm nonresidential properties...... C8972. Loans to depository institutions and acceptances of other banks................ 44813. Not applicable

4. Commercial and industrial loans ............ ........................... ............. ..............5. Loans to individuals for household, family, and other personal

expenditures:a. Credit cards ............................................................................................. 6514b. Other (includes single payment, installment, all student loans,

and revolving credit plans other than credit cards).................................. 65166. Loans to foreign governments and official institutions ................................. 46437. All other loans2............................................................................................. 46448. Lease financing receivables......................................................................... 42669. Total (sum of items 1 through 8)................................................................... 4635

1 Include write-downs arising from transfers of loans to a held-for-sale account.2 Includes charge-offs and recoveries on "Loans to finance agricultural production and other loans to farmers," "Obligations (other than

securities and leases) of states and political subdivisions in the U.S.," and "Other loans."

FFIEC 04'

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o1.

2.

3.

4.

5.

6.7.

8.9.

10.11.

12.

DRAFT

Schedule RI-B-ContinuedPart I. Continued (Column B)

Recoveries

MemorandaDollar Amounts in Thousands

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

2. Memorandum items 2.a through 2.d are to be completed by banks with$300 million or more in total assets:2a. Loans secured by real estate to non-U.S. addressees (domicile)

(included in Schedule RI-B, part i, item 1, above)...................................b. Loans to and acceptances of foreign banks (included in Schedule

RI-B, part i, item 2, above) ...................................................................... 4654c. Commercial and industrial loans to non-U.S. addressees (domicile)

(included in Schedule RI-B, part I, item 4, above)...................................d. Leases to individuals for household, family, and other personal

expenditures (included in Schedule RI-B, part i, item 8, above) .............3. Memorandum item 3 is to be completed by:2

. banks with $300 million or more in total assets, and

. banks with less than $300 million in total assets that have loans tofinance agricultural production and other loans to farmers

(Schedule RC-C, part i, item 3) exceeding five percent of total loans:Loans to finance agricultural production and other loans to farmers

(included in Schedule RI.B, part i, item 7, above.........................................Memorandum item 4 is to be completed by banks that (1) together with affliated institutions, haveoutstanding credit card receivables (as defined in the instructions) that exceed $500 million as of thereport date or (2) are credit card specialty banks as defined for Uniform Bank Performance Reportpurposes.

4. Uncollectible retail credit card fees and finance charges reversed against income (i.e., notincluded in charge-offs against the allowance for loan and lease losses) .........................................

Calendar vear-to-dateRIAD I Bil Mil I Thou

C3881 I

1 Include write-downs arising from transfers of loans to a held-for-sale account.2 The $300 milion asset size test and the five percent of total loans test are generally based on the total assets and total loans reported

on the June 30, 200t. Report of Condition.

i

FFIEC 041

Page RI.5

o

M.1.

M.2.a.

M.2.b.

M.2.c.

M.2.d.

M.3.

MA.

DRAFT

Schedule RI-B-Continued

Part II. Changes in Allowance for Loan and Lease Losses


1. Balance most recently reported for the December 31, 20 ,Reports of Condition and Income(i.e., after adjustments from amended Reports of Income)................................................................

2. Recoveries (must equal part I, item 9, column B, above) ............ ............................ ..........................3. LESS: Charge-offs (must equal part I, item 9, column A, above less Schedule RI-B,

part II, item 4) ...................................... ........................................................................... ....... .............4. LESS: Write-downs arising from transfers of loans to a held-for-sale account.................................5. Provision for loan and lease losses (must equal Schedule RI, item 4) ..............................................6. Adjustments" (see instructions for this schedule) ..............................................................................7. Balance end of current period (sum of items 1, 2, 5, and 6, less items 3 and 4)

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


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

charges ..............................................................................................................................................Memorandum item 4 is to be completed by all banks.4. Amount of allowance for post-acquisition losses on purchased impaired loans accounted for in

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

. Describe on Schedule RI-E-Explanations.

FFIEC 041

Page RI.6

~

1.

2.

3.

4.5.

6.

7.

M.1.

M.2.

M.3.

MA.

DRAFT

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

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

Year-to-dateDolla' Amounts ;n Thousands __

1. Other non interest income (from Schedule RI. item 5.1)Itemize and describe amounts greater than $25,00 that exceed 3% of Schedule RI, item 5.1:a. Income and fees from the printing and sale of checks C013

b. Earnings onlincrease in value of cash surrender value of life insurance C014

c. Income and fees from automated teller machines (AlMs) C016

d. Rent and other income from other real estate owned 4042

e. Safe deposit box rent C015

f. Net change in the fair values of financial instruments accounted for under a fair value option F229

g. Bank card and credit card interchanae fees F555

h. ~m 4461

i. ~~~J 4462

j.TEXT 44634463

2. Other noninterest expense (from Schedule RI, item 7.d)Itemize and describe amounts greater than $25,00 that excee 3% of Schedule RI, item 7.d:a. Data processing expenses conb. Advertising and marketing expenses 0497

c. Directors' fees 4136

d. Printing. stationery and supplies C018

e. Postage 8403

f. Legal fees and expenses 4141

g. FDIC deposit insurance assessments 4146

h. Accounting and auditing expenses F556

i. Consulting and advisory expenses F557

j. Automated teller machine (ATMl and interchange expenses F558

k. Telecommunications exoenses F559

i. ~~~I 4464

m. ~m 4467

n. TEXT 44684468

3. Extraordinary items and other adjustments and applicable income tax effect (from Schedule RI,'/1,

item 1r!ize and describe all extraordinary items and other adjustments):

a. (1) ~m 4469

m ñmabie income tax effect.............................................................144861I I (i),:S',.;"

b. 4487

~~~ ñmabie income tax effect............................................................144881I I t,/r~FF,:i i;i~is)'it.; %;1s:',;: ,,;.'7's

c. 4489

(2) Applicable income tax effect............................................................14491 I I I/,.).r ,,,

,'; ii.

FFIEC 041

Page RI.7

~

1.a.

1.b.

1.c.

1.d.

1.e.

1..1.g.1.h.1.i.

1 J.

2.a.

2.b.

2.c.

2.d.

2.e.

2.1.

2.g.

2.h.2.i.

2J.2.k.2.1.

2.m.2.n.

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

DRAFT

Schedule RI-E-Continued


4. Restatements due to corrections of material accounting errors and changes in accountingprinciples (from Schedule RI-A, item 2) (itemize and describe all restatements):a.b. TEXT

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

(itemize and describe all such transactions):

tiEXT

a.b. TEXT

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

(itemize and describe all adjustments):

BlEXT

a.b. TEXT

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

comments?........................................................................................................................................

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

FFIEC 041

Page RI.8

~

4.a.4.b.

5.a.5.b.

6.a.6.b.

7.

DRAFT

FFIEC 041

Page RC-1

Consolidated Report of Condition for Insured Commercial ~and State-Chartered Savings Banks for'5cptcmbcr 30, 2008 D€ctl'6-er 31 200C¡

)

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 SheetDollar Amounts in Thousands

1.a.1.b.

2.a.2.b.

3.a.3.b.

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

B529 4.d.3545 5.2145 6.2150 7.2130 8.

3163 10.a.0426 10.b.2160 11.2170 12.

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

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

2. Securities:

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

3. Federal funds sold and securities purchased under agreements to resell:a. Federal funds sold.........................................................................................................................b. Securities purchased under agreements to resell3 .......................................................................

4. Loans and lease financing receivables (from Schedule RC-C):a. Loans and leases held for sale............................................... .................... ...................................b. Loans and leases, net of unearned income............................................ 8528c. LESS: Allowance for loan and lease losses ............................................ 3123d. Loans and leases, net of unearned income and allowance (item 4.b minus 4.c)..........................

5. Trading assets (from Schedule RC-D) ........................................... ................... ....................... ..........6. Premises and fixed assets (including capitalized leases) ..................................................................7. Other real estate owned (from Schedule RC-M)................................................................................8. Investments in unconsolidated subsidiaries and associated companies (from Schedule RC-M) ......9. Not applic8ble IN SeR. T c

10. Intangible assets:

a. Goodwill.........................................................................................................................................b. Other intangible assets (from Schedule RC-M).............................................................................

11. Other assets (from Schedule RC-F)...................................................................................................12. Total assets (sum of items 1 through 11) ................ .......................... .......... .......................................

, Includes cash items in process of collection and unposted debits.2 Includes time certificates of deposit not held for trading.3 Includes all securities resale agreements, regardless of maturity.

DRAFT

INSERT E - FFIEC 041

9. Direct and indirect investments in real estate ventures ............................. ~

DRAFT

FFIEC 041

Page RC-2

Schedule RC-Continued ~

EQUITY CAPITAL23. Perpetual preferred stock and re a Ius ............................................................24. Common stock. ............ ...... ............................. .........25. Surplus (exclude all surplus related to preferred stock) ....26. a. Retained earnings .....................................

b. Accumulated other comprehe comes..................................................................27. Other equity capital co ents6 ......................................................................................................28. Total equit . a (sum of items 23 through 27)............................................................................... 321029. iabilities, minority interest, and equity capital (sum of items 21,22, and 28)............................ 3300

~ ~~riacC! Wf'H. /f'1 EfL T 13

LIABILITIES

13. Deposits:

a. In domestic offces (sum of totals of columns A and C from Schedule R -(1) Noninterest.bearing' ......................................................................... 6631(2) Interest.bearing................................................................................. 6636

b. Not applicable

14. Federal funds purchased and securities sold under agreements to repurchase:a. Federal funds purchased2 .............................................................................................................b. Securities sold under agreements to repurchase3 ..................................... ...................................

15. Trading liabilities (from Schedule RC-D) ............................................................................... .............16. Other borrowed money (includes mortgage indebtedness and obligations under

capitalized leases) (from Schedule RC-M)..............................................................................,..........17. and 18. Not applicable

19. Subordinated notes and debentures4 ................................................................................................20. Other liabilities (from Schedule RC-G)...................................................................................... .........21. Total liabilities (sum of items 13 throu h 20 .....................................................................

inon y in erest in consolidated subsidiaries.....................................................................................

MemorandumTo be reported with the March Report of Condition.

1. Indicate in the box at the right the number of the statement below that best describes themost comprehensive level of auditing work penormed for the bank by independent external RCONauditors as of any date during 200l.'-..................................................................... .................................... 6724 M.1.

3 =

Independent audit of the bank conducted in accordance with 4 =generally accepted auditing standards by a certified public

accounting firm which submits a report on the bank

Independent audit of the bank's parent holding company con- 5 =ducted in accordance with generally accepted auditing standards

by a certified public accounting firm which submits a report on the con- 6 =

soli dated holding company (but not on the bank separately) 7 =

Attestation on bank management's assertion on the effectiveness of the

bank's internal control over financial reporting by a 8 =certified public accounting firm 9 =

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)

Directors' examination of the bank performed by other external

auditors (may be required by state chartering authority)

Review of the bank's financial statements by external auditors

Compilation of the bank's financial statements by external

auditors

Other audit procedures (excluding tax preparation work)

No external audit work

2 =

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

pension liability adjustments.6 Includes treasury stock and unearned Employee Stock Ownership Plan shares.

DRAFT

INSERT B - FFIEC 041

22. Not applicable

EQUITY CAPITALBank Equity Capital

23. Perpetual preferred stock and related surplus

24. Common stock25. Surplus (excludes all surplus related to preferred stock)26. a. Retained earnings

b. Accumulated other comprehensive income

c. Other equity capital components

27. a. Total bank equity capital (sum of items 23 through 26.c)

b. Noncontrollng (minority) interests in consolidated subsidiaries28. Total equity capital (sum of items 27.a and 27.b)

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

38383230

38393632B530

A130

32103000G1053300

INSERT C - FFIEC 041

To be reported with the March Report of Condition.2. Bank's fiscal year-end date ................... ...................... ............... ............ ................ ..... I:NIMMI DD I

DRAFT

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

Schedule RC.A is to be completed only by banks with $300 milion or morein total assets. Exclude assets held for trading.


1. Cash items in process of collection, un posted debits, and currency and coin:a: Cash items in process of collection and unposted debits..............................................................b. Currency and coin.........................................................................................................................

2. Balances due from depository institutions in the U.S.:a. U.S. branches and agencies of foreign banks...............................................................................b. Other commercial banks in the U.S. and other depository institutions in the U.S. ........................

3. Balances due from banks in foreign countries and foreign central banks:a. Foreign branches of other U.S. banks...........................................................................................b. Other banks in foreign countries and foreign central banks...... .......... .......... ....... .........................

4. Balances due from Federal Reserve Banks.......................................................................................5. Total (sum of items 1 through 4) (must equal Schedule RC, sum of items 1.a and 1.b) ....................

1.a.1.b.

2.a.2.b.

0073 3.a.0074 3.b.0090 4.0010 5.

Schedule RC-B-SecuritiesExclude assets held for trading.

Held-to-maturit

(ColumnA)Amortized Cost

Dollar Amounts in Thousands RCON

1. U.S. Treasury securities.. 0211

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

Governmentagencies1...................

b. Issued by U.S.

Government-sponsored agencies2..

3. Securities issued bystates and politicalsubdivisions in the U.S.... 8496

FFIEC 041

Page RC-3

~

1.

2.a.

2.b.

3.

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

participation certificates.2 Includes obligations (other than mortgage-backed securities) issued by the Farm Credit System, the Federal Home Loan Bank System. the Federal Home

Loan Mortgage Corporation, the Federal National Mortgage Association. the Financing Corporation. Resolution Funding Corporation. the Student LoanMarketing Association, and the Tennessee Valley Authority.

DRAFT

Schedule RC-B-Continued

Held-to-maturit/(t"IMC: witt l(lsEItT Fr (Column A) (Column B)

Amortized Cost F air ValueDollar- Amounts in Thousands RCON RCON Bil

Mortgage-backeds . urities (MBS):a. P s-through

secu s:(1) Guar teed by

GNMA...... ..........(2) Issued

by FNMAandFHLMC.................

(3) Other pass-

through securities.b. Other mortgage-

backed securities

(include CMOs.REMICs, and strippedMBS):

(1) Issued or guar-

anteed by FNMA.FHLMC. or GNMA

(2) Collateralized by

MBS issued orguaranteed by

FNMA. FHLMC,

orGNMA.... ........(3) All other

mo age-backedecurities..............

5. A et-backed

securities (ABS) .......... ....6. Other e t securities:

a. Other domestic debtsecurities.................. ..

b. Foreign debt

securities.................. ..7. Investments in mutual

funds and other equitysecurities with readily

determinable fair values1 .8. Total (sum of items 1

through 7) (total ofcolumn A must equalSchedule RC. item 2.a)

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

Available-far-sale

(Column C) (Column D)Amortized Cost Fair Value

RCON

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

FFIEC 041

Page RC-4

~

4.a.(1)

4.a.(2)

4.a.(3)

4.b.(1)

4.b.(2)

4.b.(3)

6.a.

6.b.

7.

8.

DRAFT

INSERT F - FFIEC 041

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

pass-throughsecurities:(1) Guaranteed by

GNMA .................. xx xx xx xx(2) Issued by FNMA

and FHLMC .......... xx xx xx xx(3) Other pass-through

securities .............. xx xx xx xxb. Other residential

mortgage-backedsecurities (includeCMOs, REMICs, andstripped MBS):

(1) Issued orguaranteed byFNMA, FHLMC, orGNMA .................. xx xx xx xx

(2) Collateralized byMBS issued orguaranteed byFNMA, FHLMC, orGNMA .................. xx xx xx xx

(3) All other residentialMBS .....................

c. Commercial MBS:(1) Commercial

mortgage pass- xx xx xx xxthrough securities .

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

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

securities (ABS) ........b. Structured financial

products:(1) Cash ..................... xx xx xx xx(2) Synthetic ...... ........ xx xx xx xx(3) Hybrid ................... xx xx xx xx

DRAFT



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

a. Securities issued by the U.S. Treasury, U.S. Government agencies, and states and politicalsubdivisions in the U.S.; other non-mortgage debt securities; and mortgage pass-throughsecurities other than those backed by closed-end first lien 1-4 family residential mortgageswith a remaining maturity or next repricing date of:3. 4

(1) Three months or less ..............................................................................................................(2) Over three months through 12 months......................................... .......................... ................(3) Over one year through three years...... ...................................... .......... ............ .......................(4) Over three years through five years........................................................................................(5) Over five years through 15 years............................................................................................(6) Over 15 years.........................................................................................................................

b. Mortgage pass-through securities backed by closed-end first lien 1-4 family residentialmortgages with a remaining maturity or next repricing date of: 3, 5

(1) Three months or less ...............................~..............................................................................(2) Over three months through 12 months .... ........... .... ................................................................(3) Over one year through three years.................................. ..... ......... ............. ............ ................(4) Over three years through five years........................................................................................(5) Over five years through 15 years............................................................................................(6) Over 15 years.........................................................................................................................

c. Other mortgage-backed securities (include CMOs, REMICs, and stripped MBS; excludemortgage pass-through securities) with an expected average life of:6

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

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

3. Amortized cost of held-to-maturity securities sold or transferred to available-for-sale or tradingsecurities during the calendar year-to-date (report the amortized cost at date of sale or transfer) ...

4. Structured notes (included in the held-to-maturity and available-for-sale accounts inSchedule RC-B, items 2, 3, 5, and 6):a. Amortized cost..............................................................................................................................b. Fair value.......................................................................................................................................

FFIEC 041

Page RC-5

~M.l.

A549 M.2.a.(1)A550 M.2.a.(2)A551 M.2.a.(3)A552 M.2.a.(4)A553 M.2.a.(5)A554 M.2.a.(6)

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

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

M.2.d.

M.3.

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

1 Includes held-to-maturity securities at amortized cost and available-for-sale securities at fair value.2 Exclude investments in mutual funds and other equity securities with readily determinable fair values.3 Report fixed rate debt securities by remaining maturity and floating rate debt securities by next repricing date.4 Sum of Memorandum items 2.a.(1) through 2.a.(6) plus any nonaccrual debt securities in the categories of debt securities reported in

Memorandum item 2.a that are included in Schedule RC-N, item 9, column C, must equal Schedule RC-B. sum of items 1, 2, 3, 5. and 6,columns A and D. plus mortgage pass-through securities other than those backed by closed-end first lien 1 -4 family residential mortgagesincluded in Schedule RC-B. item 4.a, columns A and D.

5 Sum of Memorandum items 2.b.(1) through 2.b.(6) plus any nonaccrual mortgage pass-through securities backed by closed-end first lien1-4 family residential mortgages included in Schedule RC-N, item 9, column C. must equal Schedule RC-B, item 4.a. sum of columns Aand D, less the amount of mortgage pass-through securities other than those backed by closed-end first lien 1 -4 family residential mortgagesincluded in Schedule RC-B, item 4.a. columns A and D.

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

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

DRAFT


Memoranda-Continued


Memorandum items 5.athrough 5,( are to becompleted by banks with$1 billion or more in totalassets.'

5. Asset-backed securities(ABS)(for each column,sum of Memorandumitems 5.a through 5.1

must equal ScheduleRC-B, item ~ ç,a.)!

a. Credit cardreceivables ..................

b. Home equity lines........c. Automobile loans.........d. Other consumer

loans............................e. Commercial and

industrial loans ............f. Other ...........................

G-iNHrZT r1 The $1 bilion asset size test is generally based on the total assets reported on the June 30, 2oo/, Report of Condition.

FFIEC 041

Page RC.6

~

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

M.5.d.

M.5.e.M.5.1.

DRAFT

INSERT G - FFIEC 041

6. Structured financialproducts by underlying

collateral or referenceassets (for each column,sum of Memorandumitems 6.a through 6.gmust equal ScheduleRC-B, sum of items5.b.(1) through (3)):a. Trust preferred

securities issued byfinancial institutions xx xx xx xx

b. Trust preferredsecurities issued byreal estate investmenttrusts xx xx xx xx

c. Corporate and similarloans xx xx xx xx

d. 1-4 family residentialMBS issued orguaranteed by U.S.government-sponsoredenterprises (GSEs) xx xx xx xx

e. 1-4 family residential

MBS not issued orguaranteed by GSEs xx xx xx xx

f. Diversified (mixed)pools of structuredfinancial products xx xx xx xx

g. Other collateral orreference assets xx xx xx xx

DRAFT

Schedule RC-C-Loans and Lease Financing ReceivablesPart i. Loans and Leases

Do not deduct the allowance for loan and lease losses or the allocatedtransfer risk reserve from amounts reported in this schedule. Report

(1) loans and leases held for sale at the lower of cost or fair value, (2) loansand leases held for investment, net of unearned income, and (3) loans andleases accounted for at fair value under a fair value option. Excludeassets held for trading and commercial paper.


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

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

land loans........................................................................................b. Secured by farmland (including farm residential and other

improvements)................... ......................................................................c. Secured by 1-4 family residential properties:

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

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

d. Secured by multifamily (5 or more) residential properties ............... ........e. Secured by nonfarm nonresidential properties:

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

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

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

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

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

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

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

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

5. Not applicable

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

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

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

subdivisions in the U.S.................................................................................9. Other loans...................................................................................................

a. Loans for purchasing or carrying securities (secured and unsecured)....b. All other loans (exclude consumer loans) ........ ........................ ....... ........

(Column A)To Be Completed

by Banks with$300 Milion or More

in Total Assets1

(Column B)To Be Completed

by All Banks

r1 The $300 milion asset size test is generally based on the total assets reported on the June 30, zoof. Report of Condition.

FFIEC 041

Page RC-7

~

1.a.(1)

1.a.(2)

1.b.

1.c.(1 )

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

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

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

2.c.(1)2.c.(2)3.

4.

4.a.4.b.

6.a.6.b.

6.c.

7.

8.

9.9.a.9.b.

DRAFT

Schedule RC-C-ContinuedPart i. Continued

(Column A)To Be Completed

by Banks with$300 Milion or More

in Total Assets'

(Column B)To Be Completed

by All Banks


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

expenditures (Le., consumer leases) .....................................................b. All other leases.......................................................................................

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

10 minus item 11) (must equal Schedule RC. sum of items 4.a and 4.b)...


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

personal expenditures)...............................................................................................................2. Maturity and repricing data for loans and leases (excluding those in nonaccrual status):

a. Closed-end loans secured by first liens on 1-4 family residential properties (reported inSchedule RC-C. part i, item 1.c.(2)(a). column B. above) with a remaining maturity or nextrepricing date of:2. 3

(1) Three months or less .............................................................................................................. A564(2) Over three months through 12 months ....................................... ............................................ A565(3) Over one year through three years......................................................................................... A566(4) Over three years through five years........................................................................................ A567(5) Over five years through 15 years........................................................................................ .... A568(6) Over 15 years ......................................................................................................................... A569

b. All loans and leases (reported in Schedule RC-C. part I. items 1 through 10, column B. above)EXCLUDING closed-end loans secured by first liens on 1-4 family residential properties

(reported in Schedule RC-C. part I. item 1.c.(2)(a). column B, above) with a remaining maturityor next repricing date of: 2. 4

(1) Three months or less..................................... .........................................................................(2) Over three months through 12 months...................................................................................(3) Over one year through three years.........................................................................................(4) Over three years through five years. ........................................................ ......... ......................(5) Over five years through 15 years............................................................................................(6) Over 15 years......... ........................................ ........................................................................

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

81 The $300 millon asset size test is generally based on the total assets reported on the June 30, 2001. Report of Condition.2 Report fixed rate loans and leases by remaining maturity and floating rate loans by next repricing date.3 Sum of Memorandum items 2.a.(1) through 2.a.(6) plus total nonaccrual closed-end loans secured by first liens on 1-4 family residential

properties included in Schedule RC-N, item 1.c.(2)(a). column C, must equal total closed-end loans secured by first liens on 1-4 familyresidential properties from Schedule RC-C, part i. item 1.c.(2)(a), column B.

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

column C, minus nonaccrual closed-end loans secured by first liens on 1-4 family residential properties included in Schedule RC-N.item 1.c.(2)(a), column C, must equal total loans and leases from Schedule RC-C. part I. sum of items 1 through 10. column B, minus totalclosed-end loans secured by first liens on 1-4 family residential properties from Schedule RC-C. part I. item 1.c.(2)(a), column B.

FFIEC 041

Page RC-8

~

10.

10.a.10.b.11.

12.

M.1.a.

M.1.b.

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

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

M.2.c.

DRAFT

Schedule RC-C-ContinuedPart i. Continued

Memoranda-Continued Dollar Amounts in Thousands

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

(not secured by real estate) included in Schedule RC-C, part i, items 4 and 9, column B5...............4. Adjustable rate closed-end loans secured by first liens on 1-4 family residential properties

(included in Schedule RC-C, part i, item 1.c.(2)(a), column B) .........................................................5. To be completed by banks with $300 million or more in total assets:6

Loans secured by real estate to non-U.S. addressees (domicile) (included inSchedule RC-C, part i, items 1.a through 1.e, column B) ............................................. .....................

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

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

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

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

1-4 family residential properties (included in Schedule RC-C, part i, items 1.c.(2)(a) and (b)) ....Memorandum items B.b and B.c are to be completed by banks that had closed-end loanswith negative amortization features secured by 1-4 family residential properties (as reportedin Schedule RC-C. part i, Memorandum item B.a.) as of December 31, 2001,lthat exceededthe lesser of $100 million or 5 percent of total loans and leases, net of unearned income

(as reported in Schedule RC-C, part i, item 12, column B).b. Total maximum remaining amount of negative amortization contractually permitted on

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

properties included in the carrying amount reported in Memorandum item 8.a above .................9. Loans secured by 1-4 family residential properties in process of foreclosure (included in

Schedule RC-C, part I, items 1.c.(1), 1.c.(2)(a), and 1.c.(2)(b) ......................................................Memorandum items 10 and 11 are to be completed by banks that have elected to measure loansincluded in Schedule RC-C, part i, items 1 through 9, at fair value under a fair value option.10. Loans measured at fair value (included in Schedule RC-C, part i, items 1 through 9):

a. Loans secured by real estate:(1) Construction, land development, and other land loans....................................................(2) Secured by farmland (including farm residential and other improvements) .. ................(3) Secured by 1-4 family residential properties:

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

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

5 Exclude loans secured by real estate that are included in Schedule RC-C, part I. items l.a through 1.e, column B.6 The $300 millon asset size test is generally based on the total assets reported on the June 30, 200l. Report of Condition.

S

FFIEC 041

Page RC-9

~

M.3.

M.4.

M.S.

M.6.

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

M.B.a.

M.B.b.

M.B.c.

M.9.

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

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

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

DRAFT

Schedule RC-C-ContinuedPart I. Continued

Memoranda-Continued Dollar Amounts in Thousands RCON Bil

10. a. (4) Secured by multifamily (5 or more) residential properties ............................................... F583(5) Secured by nonfarm nonresidential properties ................................................................. F584

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

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

d. Other loans...................................................................................................................................11. Unpaid principal balance of loans measured at fair value (reported in Schedule RC-C,

part i, Memorandum item 10):a. Loans secured by real estate:

(1) Construction, land development, and other land loans....................................................(2) Secured by farmland (including farm residential and other improvements) ...... ............(3) Secured by 1-4 family residential properties:

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

(b) Closed-end loans secured by 1-4 family residential properties:(1) Secured by first liens............................................................................................... F593(2) Secured by junior liens....................................... ........................ ... .......................... F594

(4) Secured by multifamily (5 or more) residential properties ............................................... F595(5) Secured by nonfarm nonresidential properties................................................................. F596

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

(i.e., consumer loans) (includes purchased paper):(1) Credit cards........................................................................................................................... F598(2) Other revolving credit plans ..... ........................ .......... ...... ............... ......................... ..... ...... F599(3) Other consumer loans (includes single payment, installment, and all student loans).. F600

d. Other loans................................................................................................................................... F601

Mil Thou

IÑ!ERT 1)'N~EQ.i H

FFIEC 041

Page RC.10

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

M.10.c.(1)M.10.c.(2)M.10.c.(3)M.10.d.

M.11.a.(1)M.11.a.(2)

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

M.11.a.(3)(b)(1;M.11.a.(3)(b)(2;M.11.a.(4)M.11.a.(5)M.11.b.

M.11.c.(1)M.11.c.(2)M.11.c.(3)M.11.d.

DRAFT

INSERT 0 - FFIEC 041

(Column A) (Column B) (Column C)Best estimate atacquisition date ofcontractual cashflows not expectedto be collected

Fair value ofacquired loans andleases at acquisitiondate

Gross contractualamounts receivableat acquisition date

12. Loans (not subject to therequirements of AICPA Statementof Position 03-3) and leases held forinvestment that were acquired inbusiness combinations withacquisition dates in the currentcalendar year: RCON Bil Mil Thou RCON Bil Mil Thou RCON Bil Mil Thou

a. Loans secured by real estate .. G091 G092 G093

b. Commercial and industrialloans ........................................ G094 G095 G096

c. Loans to individuals forhousehold, family, and otherpersonal expenditures ............. G097 G098 G099

d. All other loans and all leases .. G100 G101 G102

INSERT H - FFIEC 041

13. To be completed by banks that had construction, landdevelopment, and other land loans (as reported inSchedule RC-C, part i, item 1.a, column B) that exceeded100 percent of total risk-based capital (as reportedin Schedule RC-R, item 21) as of December 31, 2008.Construction, land development, and other land loans with interestreserves:a. Amount of loans that provide for the use of interest reserves

(included in Schedule RC-C, part i, item 1.a, column B) .................b. Amount of interest capitalized from interest reserves on

construction, land development, and other land loans that isincluded in interest and fee income on loans during the quarter(included in Schedule RI, item 1.a.(1 )(b)) ........................................

Memorandum item 14 is to be completed by all banks.14. Pledged loans and leases ......................................................................

DRAFT

Schedule RC-C-Continued

FFIEC 041

Page RC.lOa

122al

Part II. Loans to Small Businesses and Small Farms

Schedule RC-C. Part II is to be reported only with the June Report of Condition.

Report the number and amount currently outstanding as of June 30 of business loans with "original amounts" of $1.000,000 or less andfarm loans with "original amounts" of $500.000 or less. The following guidelines should be used to determine the "original amount" of aloan: (1) For loans drawn down under lines of credit or loan commitments, the "original amount" of the loan is the size of the line of creditor loan commitment when the line of credit or loan commitment was most recently approved, extended. or renewed prior to the reportdate. However. if the amount currently outstanding as of the report date exceeds this size, the "original amount" is the amount currentlyoutstanding on the report date. (2) For loan participations and syndications, the "original amount" of the loan participation or syndication isthe entire amount of the credit originated by the lead lender. (3) For all other loans, the "original amount" is the total amount of the loan atorigination or the amount currently outstanding as of the report date. whichever is larger.

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

volume of your bank's "Loans secured by nonfarm nonresidential properties" reportedin Schedule RC-C, part I, items 1.e.(1) and 1.e.(2). and all or substantially all of the dollarvolume of your bank's "Commercial and industrial loans" reported in Schedule RC-C, part I,item 4,' have original amounts of $100.000 or less (If your bank has no loans outstanding inboth ofthese two loan categories, place an "X' in the box marked ..NO...)........................................

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

1.


3. Number and amount currently outstanding of "Loans secured bynonfarm nonresidential properties" reported in Schedule RC-C, part I,items 1.e.(1) and 1.e.(2) (sum of items 3.a through 3.c must be less thanor equal to Schedule RC-C. part I, sum of items 1.e.(1) and 1.e.(2)):a. With original amounts of $100.000 or less............................................b. With original amounts of more than $100.000 through $250.000.........c. With original amounts of more than $250,000 through $1.000.000......

4. Number and amount currently outstanding of "Commercial and

industrial loans" reported in Schedule RC-C. part I. item 4' (sum of items4.a through 4.c must be less than or equal to Schedule RC-C, part I.item 41):a. With original amounts of $100.000 or less............................................ 5570b. With original amounts of more than $100.000 through $250.000......... 5572c. With original amounts of more than $250.000 through $1.000.000...... 5574

2.a.

2. Report the total number of loans currently outstanding for each of thefollowing Schedule RC-C. part I, loan categories:a. "Loans secured by nonfarm nonresidential properties" reported in

Schedule RC-C. part I. items 1.e.(1) and 1.e.(2) (Note: Sum ofitems 1.e.(1) and 1.e.(2) divided by the number of loans should NOT

exceed $100,000.)...................................................................................b. "Commercial and industrial loans" reported in Schedule RC-C,

part I. item 4.' (Note: Item 4.1 divided by the number of loans shouldNOT exceed $100,000.) .......................................................................... 2.b.

(ColumnA)

Number of Loans

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

5571

5573

5575

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

1 Banks with $300 millon or more in total assets should provide the requested information for "Commercial and industrial loans. based on the loans

reported in Schedule RC-C. part i, item 4.a, column A, .Commercial and industrial loans to U.S. addressees.

DRAFT

Schedule RC-C-ContinuedPart II. Continued

Agricultural Loans to Small Farms5. Indicate in the appropriate box at the right whether all or substantially all of the dollar

volume of your bank's "Loans secured by farmland (including farm residential and otherimprovements)" reported in Schedule RC-C. part I. item 1.b, and all or substantially allof the dollar volume of your bank's "Loans to finance agricultural production and otherloans to farmers" reported in Schedule RC-C, part I, item 3, have original amountsof $100.000 or less (If your bank has no loans outstanding in both of these two loancategories. place an "X" in the box marked "NO...).............................................................................

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

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

mprovements)" reported in Schedule RC-C, part I, item 1.b,

(Note: Item 1.b divided by the number of loans should NOT exceed$100,000.) ...............................................................................................

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


7. Number and amount currently outstanding of "Loans secured byfarmland (including farm residential and other improvements)" reportedin Schedule RC-C. part I. item 1.b (sum of items 7.a through 7.c must beless than or equal to Schedule RC-C. part I. item 1.b):a. With original amounts of $100.000 or less............................................b. With original amounts of more than $100.000 through $250.000.........c. With original amounts of more than $250.000 through $500.000.........

8. Number and amount currently outstanding of "Loans to financeagricultural production and other loans to farmers" reported inSchedule RC-C. part I, item 3 (sum of items 8.a through 8.c must beless than or equal to Schedule RC-C. part I, item 3):a. With original amounts of $100.000 or less............................................ 5584b. With original amounts of more than $100.000 through $250.000......... 5586c. With original amounts of more than $250.000 through $500.000......... 5588

6.a.

6.b.

(ColumnA)

Number of Loans

5585

55875589

FFIEC 041

Page RC-10b

122bl

5.

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

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

DRAFT

FFIEC 041

Page RC-11

Schedule RC-D- Trading Assets and Liabilities ~Schedule RC-D is to be completed by banks that reported average trading assets (Schedule RC-K, item 7) of $2 milion ormore in any of the four preceding calendar quarters.

/NJfllí r


4.b.4.c.5.

ASSETS1. U.S. Treasury securities.....................................................................................................................2. U.S. Government agency obligations (exclude mortgage-backed securities)....................................3. Securities issued by states and olitical subdivisions in the U.S. ......................................................

e-backed securities (MBS):a. Pass-throug . ued or guaranteed by FNMA, FHLMC, or GNMA.......................

b. Other mortgage-backed securities issue ed by FNMA, F MA(include CMOs, REMICs, and stripped MBS) .... ...............................

c. All other mortgage-back .....................................................................................5. urities..........................................................................................................................6. loans:

a. loans secured by real estate:(1) Construction, land development, and other land loans....................................................(2) Secured by farmland (including farm residential and other improvements) ..................(3) Secured by 1-4 family residential properties:

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

(b) Closed-end loans secured by 1-4 family residential properties:(1) Secured by first liens............................................................................................... F607(2) Secured by junior liens............................................................................................ F611

(4) Secured by multifamily (5 or more) residential properties ................... ............................ F612(5) Secured by nonfarm nonresidential properties ................................................................. F613

b. Commercial and industrial loans............................................. .................................................. F614

c. loans to individuals for household, family, and other personal expenditures(i.e., consumer loans) (includes purchased paper):(1) Credit cards...........................................................................................................................(2) Other revolving credit plans ...................... ...... .............. ........... ......................... ............ ......(3) Other consumer loans (includes single payment, installment, and all student loans)..

d. Other loans ...... ........................................................... ... ......... .... ... ...................... ................... .....7. and 8. Not applicable9. Other trading assets...........................................................................................................................

10. Not applicable

11. Derivatives with a positive fair value .............................. ..................... ................... ........... .................12. Total trading assets (sum of items 1 through 11) (must equal Schedule RC, item 5) ........................

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

6.a.(3)(a)

6.a.(3)(b)(1 )

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

LIABILITIES

13. a. Liability for short positions............................................................................................................. 3546b. Other trading liabilities ....................... .......................... .......... .......... ........... ...... ......................... F624

14. Deriuatives with a negative fair value................................................................................................. 354715. Total trading liabilities (sum of items 13.a. through 14) (must equal Schedule RC, item 15)............. 3548

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

9.

11.

12.

13.a.13.b.14.15.

DRAFT

INSERT 1- FFIEC 041

4. Mortgage-backed securities (MBS):a. Residential pass-through securities issued or guaranteed by

FNMA, FHLMC, or GNMA ............ .................... ....... ....... ............. ..... XXb. Other residential MBS issued or guaranteed by FNMA, FHLMC, or

GNMA (include CMOs, REMICs, and stripped MBS) ....................... XXc. All other residential MBS ................................................... ................ XXd. Commercial MBS ...... ................. ....... ........ ...... ........................ ..... ..... XX

5. Other debt securitiesa. Structured financial products:

(1) Cash ............................................................................................. XX(2) Synthetic ............... .......... .................. ....... ......... ..... ...................... XX(3) Hybrid ........................................................................................... XX

b. All other debt securities ................................................. .................... XX

DRAFT


1. Unpaid principal balance of loans measured at fair value (reported in Schedule RC-D,items 6.a.(1) through 6.d):a. loans secured by real estate:

(1) Construction, land development, and other land loans....................................................(2) Secured by farmland (including farm residential and other improvements) ..................(3) Secured by 1-4 family residential properties:

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

(b) Closed-end loans secured by 1-4 family residential properties:(1) Secured by first liens............................................................................................... F628(2) Secured by junior liens............................................................................................ F629

(4) Secured by multifamily (5 or more) residential properties .......................................... ..... F630(5) Secured by nonfarm nonresidential properties .......... ................................ ....................... F631

b. Commercial and industrial loans............................................... ................................................ F632

c. loans to individuals for household, family, and other personal expenditures(i.e., consumer loans) (includes purchased paper):(1) Credit cards...........................................................................................................................(2) Other revolving credit plans................................................................................................(3) Other consumer loans (includes single payment, installment, and all student loans)..

d. Other loans .......... .............................................................. .............. .......................... ...... ............~. Net 8l'l'lie8b~

L 1. loans measured at fair value that are past due 90 days or morea. Fair value......................................................................................................................................b. Unpaid principal balance............................................................................................................

INt6R.T :rMemorandum items ¡ through 10 are to be completed by banks that reported averagetrading assets (Schedule RC-K, item 7) of $1 bilion or more in any of the four precedingcalendar quarters.

b. ~ Asset-backed securities:

Schedule RC-D-ContinuedMemoranda

8.. ~ Credit card receivables...............................................................................................................~. l(. Home equity lines........................................................................................................................c. 1i. Automobile loans........................................................................................................................d. ~ Other consumer loans................................................................................................................~. '§ Commercial and industrial loans................................................................. ..............................

t, h. Other.............................................................................................................................................obli ations:

a. Synthetic.. ............................ ......... ............ ......

F643

F644

F645

F646

F647

F648

FFIEC 041

Page RC-12

~

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

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

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

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

1.M."i.a.M."i.b.

z.

M.-+. 5.6. iM.4.S,I".M.4. 5",c.,M.4: 5.d.M.4. 5. ~ .M.4. 5,r,

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

DRAFT

3. Structured financial products by underlying collateral or reference assets

(sum of Memorandum items 3.a through 3.g must equal Schedule RC-D,sum of items 5.a.(1) through (3)):a. Trust preferred securities issued by financial institutions ................... ......... XXb. Trust preferred securities issued by real estate investment trusts ..... ......... XXc. Corporate and similar loans .......................... ....... ................... ........ ............. XXd. 1-4 family residential MBS issued or guaranteed by U.S. government-

sponsored enterprises (GSEs) ....................................................................e. 1-4 family residential MBS not issued or guaranteed by GSEs ....... ............f. Diversified (mixed) pools of structured financial products ...........................g. Other collateral or reference assets ............ .......... ..... ..... ......... ........ ............

4. Pledged trading assets:a. Pledged securities .......... ........... ............. ....... .......... ..... ................................b. Pledged loans ....... ......... ............. ............. ....... ............. ......... ......... ..............

INSERT J - FFIEC 041

DRAFT

Schedule RC-D-ContinuedMemoranda-Continued


9. Other trading assets (itemize and describe amounts included in Schedule RC-D, item 9,that are reater than $25,000 and exceed 25% of the item):a. TEXT

b. TEXT

C. im1 D. Other trading liabilties (itemize and describe amounts included in Schedule RC-D, item

~~'~b;:;t are greater than $25,00 and exceed 25% of the item):

b. TEXT.

C. mó

F658

F659

F660

FFIEC 041

Page RC-13

~

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

M.1D.a.M.10.b.M.1D.c.

DRAFT

Schedule RC-E-Deposit Liabilities

Transaction Accounts

(ColumnA)Total transaction

accounts (includingtotal demand

deposits)

(Column B)Memo: Total

demand deposits(included incolumnA)

NontransactionAccounts

(Column C)Total

nontransactionaccounts

(including MMDAs)RCON

Deposits of:1. Individuals, partnerships, and corporations

(include all certified and offcial checks)................2. U.S. Government ..................................................3. States and political subdivisions in the U.S...........4. Commercial banks and other depository

institutions in the U.S. ...........................................5. Banks in foreign countries.....................................6. Foreign governments and offcial institutions

(including foreign central banks) .. .........................7. Total (sum of items 1 through 6) (sum of

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



1. Selected components of total deposits (Le., sum of item 7, columns A and C):a. Total Individual Retirement Accounts (IRAs) and Keogh Plan accounts ..... ..................................b. Total brokered deposits ............ .......... ............. ............................ ....................... .... ............. ..... .....c. Fully insured broke red deposits (included in Memorandum item 1.b above):'

(1) Brokered deposits issued in denominations of less than $100,00 ................................(2) Brokered deposits issued in denominations of $100,000 and certain broke red

retirement deposit accounts........ ........................................................... ................... ..........d. Maturity data for brokered deposits:

(1) Brokered deposits issued in denominations of less than $100,000 with a remainingmaturity 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 maturityof 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) (tobe completed for the December report only)......... ........................... ................................... .....

2. Components of total nontransaction accounts (sum of Memorandum items 2.a through 2.c mustequal item 7, column C above):a. Savings deposits:

(1) Money market deposit accounts (MMDAs) .............................................................................(2) Other savings deposits (excludes MMDAs) ............................. ......... ............ ............. ...... .......

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

(1) Individual Retirement Accounts (IRAs) and Keogh Plan accounts included inMemorandum item 2.c, "Total time deposits of $100,000 or more," above.............................

FFIEC 041

Page RC.14

~

1.

2.

3.

4.5.

6.

7.

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.2.c.(1)

, Report brokered retirement deposit accounts eligible for $250,000 in deposit insurance coverage in Memorandum item 1.c.(1) only if they have beenissued in denominations of less than $100,000 (see instructions). Report brokered retirement deposit accounts in Memorandum item 1.c.(2) if they havebeen issued either in denominations of exactly $100,000 through exactly $250,000 or in denominations greater than $250,000 and participated out by thebroker in shares of exactly $100,000 through exactly $250,000 or less.

DRAFT

Schedule RC-E-Continued

Memoranda-ContinuedDollar Amounts in Thousands

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

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

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

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

a. Time deposits of $100,000 or more with a remaining maturity or next repricing date of:1, 4

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

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

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

1 Report fixed rate time deposits by remaining maturity and floating rate time deposits by next repricing date.2 Sum of Memorandum items 3.a.(1) through 3.a.(4) must equal Schedule RC-E, Memorandum item 2.b.3 Report both fixed and floating rate time deposits by remaining maturity. Exclude floating rate time deposits with a next repricing date of

one year or less that have a remaining maturity of over one year.4 Sum of Memorandum items 4.a.(1) through 4.a.(4) must equal Schedule RC-E, Memorandum item 2.c.

FFIEC 041

Page RC-15

~

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

M.3.b.

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

M.4.b.

DRAFT

Schedule RC-F-Other Assets.

Dollar Amounts in Thousands RCON Bil

1. Accrued interest receivable1 .............................................................................................................. B5562. Net deferred tax assets2 .................................................................................................................... 21483. Interest-only strips receivable (not in the form of a security)3 on:

a. Mortgage loans..............................................................................................................................b. Other financial assets....................................................................................................................

4. Equity securities that DO NOT have readily determinable fair values4 ........... ....................... ............5. Life insurance assets .........................................................................................................................6. All other assets (itemize and describe amounts greater than $25,000 that exceed 25% of this

item) ...................................................................................................................................................a. Pre aid ex enses 2166b. Re ossessed ersonal ro ert includin vehicles 1578c. Derivatives with a positive fair value held for purposes other

than tradind. Retained interests in accrued interest receivable related tosecuritized credit cards C436e. ~~~¡ 3549f. ~~~ 3550g. ~~~;r 3551

7. Total (sum of items 1 through 6) (must equal Schedule RC, item 11)................................................

Mil Thou

Schedule RC-G-Other Liabilities


1. a. Interest accrued and unpaid on deposits 5 ............... .....................................................................b. Other expenses accrued and unpaid (includes accrued income taxes payable) ..........................

2. Net deferred tax liabilities2 ...................... ............ ........................ .......... ........................................ .....3. Allowance for credit losses on off-balance sheet credit exposures.. ............................... ......... ..........4. All other liabilities (itemize and describe amounts greater than $25,000 that exceed 25%

of this item).........................................................................................................................................a. Accounts a able 3066b. Deferred com ensation liabilties COllc. Dividends declared but not et a able 2932d. Derivatives with a negative fair value held for purposes otherthan tradin COL 2e. ~m 3552f. ~m 3553g. ~m 3554

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

RCON

3645

36463049B557

Bil Mil Thou

, Includes accrued interest receivable on loans, leases, debt securities, and other interest-bearing assets.2 See discussion of deferred income taxes in Glossary entry on "income taxes."3 Report interest-only strips receivable in the form of a security as available-far-sale securities in Schedule RC, item 2.b, or as trading assets

in Schedule RC, item 5, as appropriate.4 Includes Federal Reserve stock, Federal Home Loan Bank stock, and bankers' bank stock.S For savings banks, include "dividends" accrued and unpaid on deposits.

FFIEC 041

Page RC-16

~1.

2.

3.a.3.b.4.

5.

6.6.a.6.b.

6.c.

6.d.6.e.6.1.

6.g.7.

1.a.1.b.2.

3.

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

4.d.4.e.4.1.

4.g.5.

DRAFT

Schedule RC-K-Quarterly Averages1


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

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

U.S.)...................................................................................................................................................5. Federal funds sold and securities purchased under agreements to resell.........................................6. Loans:

a. Total loans ........................ .................................................................................. ...........................b. Loans secured by real estate:

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

c. Commercial and industrial loans ...................................................................................................d. Loans to individuals for household, family. and other personal expenditures:

(1) Credit cards.............................................................................................................................(2) Other (includes single payment. installment. all student loans. and revolving credit plans

other than credit cards) ...........................................................................................................7. To be completed by banks with $100 million or more in total assets:4

Trading assets................................................. ... ................. ....................................... ........................8. Lease financing receivables (net of unearned income)......................................................................9. Totalassets5......................................................................................................................................

LIABILITIES

10. Interest-bearing transaction accounts (NOW accounts. ATS accounts, and telephone andpreauthorized transfer accounts) (exclude demand deposits) ....... ....................................................

11. Nontransaction accounts:

a. Savings deposits (includes MMDAs) ...........................................................................................b. Time deposits of $100.000 or more...............................................................................................c. Time deposits of less than $100.000.............................................................................................

12. Federal funds purchased and securities sold under agreements to repurchase ...............................13. To be completed by banks with $100 million or more in total assets.4

Other borrowed money (includes mortgage indebtedness and obligations undercapitalized leases)..............................................................................................................................

Memorandum

Memorandum item 1 is to be completed by.4banks with $300 million or more in total assets, andbanks with less than $300 millon in total assets that have loans to finance agriculturalproduction and other loans to farmers (Schedule RC-C, part i, item 3) exceeding five percentof total loans.

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

FFIEC 041

Page RC-17

~1.

2.

3.

4.

5.

6.a.

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

6.d.(1)

6.d.(2)

7.

8.

9.

10.

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

13.

M.1.

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

(i.e., the Wednesday of each week of the quarter).2 Quarterly averages for all debt securities should be based on amortized cost.3 Quarterly averages for all equity securities should be based on historical cost. I4 The asset size tests and the five percent of total loans test are generally based on the total assets and total loans reported on the June 30, 200f.

Report of Condition.S 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.

DRAFT

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


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. (1) Commitments to fund commercial real estate, construction, and land development loans

secured by real estate:

(a) 1-4 family residential construction loan commitments..............................................(b) Commercial real estate, other construction loan, and land

development loan commitments............................... .......... ................................ ..........(2) Commitments to fund commercial real estate, construction, and land development 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 ........... 3820~. Performance standby letters of credit ................................................................................................

a. Amount of performance standby letters of credit conveyed to others.... 38224. Commercial and similar letters of credit.............................................................................................5. Not applicable

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

S,td Prot~ho"? IA r-cA1U ~ p",;-t. Ji ,,"IN)~R.T K

(Column B)

7. Credit derivatives:

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

b. Gross fair values:

(1) Gross positive fair value.............................(2) Gross negative fair value. ...... ....... ............. e220 C222

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

of this item over 25% of Schedule RC, item 28, "Total equity capital") ..............................................a. Securities borrowed 3432b. Commitments to purchase when-issued securities 3434c. Standby letters of credit issued by a Federal Home Loan Bank on the

bank's behalfd'13~rse. ~~¡. f. TEi 3557

10. All other off-balance sheet assets (exclude derivatives) (itemize and describe each componentof this item over 25% of Schedule RC, item 28, "Total equity capital" ..............................................a. Commitments to sell when.issued securities 3435b. 1m 5592c. 1m 5593d. 1~~ 5594e. 1~rs 5595

FFIEC 041

Page RC-18

§J

1.a.1.b.

1.c.(1 Ha)

1.c.(1 Hb)

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

2.a.3.

3.a.4.

6.

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

7.b.(1)7.b.(2)8.

9.9.a.9.b.

9.c.9.d.9.e.9.1.

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

Ihl1 3.n. ¡'¡ ¡. 1,.: (;i"'l'de.4 h7 /ni..ks L"ì~ ;. "':Iii... 0;' ~or~ ,~ -hie.1 ~jdr.;BQ"" 2.'l.i..' fu bil c:i'hl/~~J. 1', b.i../c WI'! f h.l/,oil o¡-mc.,'t I" h-kl t:s¡dJ. i

~e. 'I i,"'Uol1 e.uó!f ¡ii.e. "fsf i'J gc,le~/ly bCtJolcl Oil fle.ftd~..' a.Ui!.:k r~rrrci:" t'J"14l1e. 3,;.1 Z.c(9)

¡2c.p'rr'cF ~,'ho'\.

DRAFT

INSERT K - FFIEC 041

c. Notional amounts by regulatory capital treatment:

(1) Positions covered under the Market Risk Rule:(a) Sold protection ........................................................................................(b) Purchased protection ..............................................................................

(2) All other positions:(a) Sold protection ........................................................................................ xx(b) Purchased protection that is. recognized as a guarantee for regulatory

capital purposes ...................................................................................... xx(c) Purchased protection that is not recognized as a guarantee for

regulatory capital purposes ...... .............. ..... ....... ........... .......... ............... xx

d. Notional amounts by

remaining maturity:

(1) Sold credit protection:

(a) Investment grade .........

(b) Subinvestment grade ...

(2) Purchased creditprotection:

(a) Investment grade ......... XX(b) Subinvestment grade... XX

(Column A)One Year or Less

(Column C)Over Five Years

of:

Thou

XXXX

XXXX

DRAFT

Schedule RC-L-Continued

11. Year-to-date merchant credit card sales volume:a. Sales for which the reporting bank is the acquiring bank.............................................................. C223b. Sales for which the reporting bank is the agent bank with risk...... ................................................ C224

Thou


Derivatives Position Indicators

12. Gross amounts (e.g.. notionalamounts) (for each column. sum ofitems 12.a through 12.e must equalsum of items 13 and 14):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..............................................13. Total gross notional amount of

derivative contracts held for trading.....14. Total gross notional amount of

derivative contracts held forpurposes other than trading.................a. Interest rate swaps where the

bank has agreed to pay afixed rate..........................................

15. Gross fair values of derivativecontracts:a. Contracts held for trading:

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

(2) Gross negative fair value..........b. Contracts held for purposes other

than trading:

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

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

INScRí L

(Column A)Interest Rate

Contracts

(Column B)Foreign Exchange

Contracts

(Column C)Equity Derivative

Contracts

(Column D)Commodity andOther Contracts

FFIEC 041

Page RC.19

§J

11.a.11.b.

12.a.

12.b.

12.c.(1)

12.c.(2)

12.d.(1)

12.d.(2)

12.e.

13.

14.

14.a.

15.a.(1)

15.a.(2)

15.b.(1)

15.b.(2)

DRAFT

INSERT L - FFIEC 041

Memorandum item 16 is to be completed only by banks with total assets of $10 billon or more. 1

(Column A)Banks and

Securities Firms

(Column B)MonolineFinancial

Guarantors

Column C)Hedge Funds

Column D)Sovereign

Governments

(Column E)Corporations and

All OtherCounterparties

16. Over-the counterderivatives:a. Net current credit

exposure .....................

b. Fair value of collateral:

(1) Cash - U.S. dollar..(2) Cash - Other

currencies ..............

(3) U.S. Treasurysecurities ...............

(4) U.S. Governmentagency and U.S.Government-sponsored agencydebt securities .......

(5) Corporate bonds ...(6) Equity securities ....(7) All other collateral ..(8) Total fair value of

collateral (sum ofitems 16.b.( 1 )through (7)) ... ........

RCON Bil Mil Thou RCON Bil Mil Thou RCON Bil Mil Thou RCON Bil Mil Thou RCON Bil Mil Thou

XX XX XX~'i"",:;"",.'~'~'XX XX XX

XX r".~XXXX

XXXX XX XX XX

XXXX XX XX XX

XXXXXXXX

XXXXXXXX

XXXXXXXX

XXXXXXXX

XXXXXXXX

XX XX XX XXXX

1 The $10 billon asset size test is generally based on the total assets reported on the June 30,2008, Report of Condition.

DRAFT

Schedule RC-M-Memoranda


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

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

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

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

(1) Estimated fair value of mortgage servicing assets............................ A590b. Purchased credit card relationships and non mortgage servicing assets......................................c. All other identifiable intangible assets ............. .............. ...................................................... ..........d. Total (sum of items 2.a, 2.b, and 2.c) (must equal Schedule RC, item 10.b) ................................

3. Other real estate owned:

~ I .~ Construction, land development, and other land .................................................................... 5508b i ~ Farmland................................................................................................................................. 5509C. ~ 1-4 family residential properties............................................................................................. 5510el. N Multifamily (5 or more) residential properties.......................................................................... 5511e. "t Nonfarm nonresidential properties.......................................................................................... 5512l. ~ Foreclosed properties from "GNMA loan~.th.ri.~~...~.J;.L.............................................. C979

9. '" Total (sum of items 3.a BREI ~.~ust equal Schedule RC, item 7) ............................................. 21504. 1t96tFRQRt~ iR l:ReeR6eliElate~ ~tJbsidililie~ 1I1'd lis~oei8te~ eeffI38"ies- NotlC"ph'l"Ic.. ... .

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

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

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

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

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

(2) Other borrowings with a REMAINING MATURITY of one year or less (included in item5.b.(1 Ha) above)4 ....................................................................................................................

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

FFIEC 041

Page RC-20

§J

1.a.

1.b.

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

3~~,3.1r b.

3.&: c.3.~&.3.~e.3.~.t3:'j.

5.a.(1Ha)5.a.(1Hb)5.a.(1Hc)5.a.(1Hd)

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

5.b.(1Ha)5.b.(1Hb)5.b.(1 Hc)

5.b.(1Hd)

5.b.(2)

5.c.

1 Report fixed rate advances by remaining maturity and floating rate advances by next repricing date.2 Report both fixed and floating rate advances by remaining maturity. Exclude floating rate advances with a next repricing date of one year or less that

have a remaining maturity of over one year.3 Report fixed rate other borrowings by remaining maturity and floating rate other borrowings by next repricing date.4 Report both fixed and floating rate other borrowings by remaining maturity. Exclude floating rate other borrowings with a next repricing date of one

year or less that have a remaining maturity of over one year.

DRAFT

Schedule RC-M-ContinuedDollar Amounts in Thousands

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

7. Assets under the reporting bank's management in proprietary mutual funds and annuities..............

8. Primary Internet Web site address of the bank (home page), if any

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

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

10. Secured liabilities:a. Amount of "Federal funds purchased" that are secured (included in Schedule RC, item 14.a)....b. Amount of "Other borrowings" that are secured (included in Schedule RC-M,

items 5.b.(1)(a)-(d)) ......................................................................................................................

INSERT M

FFIEC 041

Page RC-21

§J6.

7.

8.

9.

10.a.

10.b.

DRAFT

INSERT M - FFIEC 041

11. Does the bank act as trustee or custodian for Individual RetirementAccounts, Health Savings Accounts, and other similar accounts?

12. Does the bank provide custody, safekeeping, or other servicesinvolving the acceptance of orders for the sale or purchase ofsecurities? ..............................................................................................

DRAFT

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

(ColumnA)Past due

30 through 89days and stil

accruing

RCON Bil

(Column C)Nonaccrual

(Column B)Past due 90days or more

and stillaccruing


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

land loans:

(1) 1-4 family residential constructionloans........................................................... F172

(2) Other construction loans and all landdevelopment and other land loans.......... F173

b. Secured by farmland ... ....... ........ ............. .......... 3493c. Secured by 1-4 family residential properties:

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

(2) Closed-end loans secured by 1-4 family

residential properties:

(a) Secured by first liens ............................ C236(b) Secured by junior liens ......................... C238

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

e. Secured by nonfarm nonresidentialproperties:

(1) Loans secured by owner-occupiednonfarm nonresidential properties ......... F178

(2) Loans secured by other nonfarmnonresidential properties......................... F179

2. Loans to depository institutions andacceptances of other banks ......... .......................... B834

3. Not applicable

4. Commercial and industrial loans............................ 16065. Loans to individuals for household, family, and

other personal expenditures:a. Credit cards....................................................... B575b. Other (includes single payment, installment,

all student loans, and revolving credit plansother than credit cards) ..................................... B578

6. Loans to foreign governments and officialinstitutions......... .............. ..................... ................. 5389

7. All other loans1....................................................... 54598. Lease financing receivables................................... 12269. Debt securities and other assets (exclude

other real estate owned and other repossessedassets).................................................................... 3505

1 Includes past due and nonaccrual "Loans to finanæ agricultural production and other loans to farmers," "Obligations (other than securities and

leases) of states and political subdivisions in the U.S.," and "Other loans."

FFIEC 041

Page RC-22

§J

1.a.(1 )

1.a.(2)1.b.

1.c.(1 )

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

1.d.

1.e.(1 )

1.e.(2)

2.

4.

5.a.

5.b

6.7.

8.

9.

DRAFT

Schedule RC-N-ContinuedAmounts reported in Schedule RC-N, items 1 through 8. above include guaranteed and unguaranteed portions of past dueand nonaccrualloans and leases. Report in item 10 below certain guaranteed loans and leases that have already beenincluded in the amounts reported in items 1 through 8.


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

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

b. Rebooked "GNMA loans" that have beenrepurchased or are eligible for repurchaseincluded in item 1 0 above...................... ...........

(ColumnA)Past due


accruing

RCON Bil

(Column B)Past due 90days or more

and stillaccruing


FFIEC 041

Page RC.23

~

10.

10.a.

10.b.

DRAFT

Schedule RC-N-Continued


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

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

properties......................................................... F661b. Other loans and all leases (exclude loans

to individuals for household, family, andother personal expenditures)......................... 1658

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

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

3. Memorandum items 3.a. through 3.d are to becompleted by banks with $300 million or morein total assets:1a.loans secured by real estate to non-U.S.

addressees (domicile) (included inSchedule RC-N. item 1, above)......................... 1248

b.loans to and acceptances of foreign banks(included in Schedule RC-N. item 2. above) ..... 5380

c. Commercial and industrial loans to non-U.S.addressees (domicile) (included inSchedule RC-N. item 4. above)......................... 1254

d.leases to individuals for household, family,and other personal expenditures (includedin Schedule RC-N, item 8, above)..................... F166

Memorandum item 4 is to be completed by:1banks with $300 million or more in total assetsbanks with less than $300 million in totalassets that have loans to finance agriculturalproduction and other loans to farmers

(Schedule RC-C, part i, item 3) exceedingfive percent of total loans:

4. Loans to finance agricultural productionand other loans to farmers (included inSchedule RC-N, item 7. above) ............................. 1594

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

(1) Fair value ................................................... F664(2) Unpaid principal balance ............ ............. F667

(ColumnA)Past due


accruing

RCON Bit

(Column B)Past due 90

days or moreand stillaccruing


F666

F669

1 The $300 millon asset size test and the five percent of total loans test are generally based on the total assets and total loans reported on theJune 30. 2001, Report of Condition.

'i

FFIEC 041

Page RC-24

~

M.1.a.

M.1.b.

M.2.

M.3.a.

M.3.b

M.3.c.

M.3.d.

MA.

M.5.a.

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

DRAFT

Schedule RC-N-Continued

Memoranda-Continued

~f""""'+;'¡e.~ Dollar Amounts in Thousands

Memorandum item 6 is to be completed bybanks with $300 million or more in total assets:16.1\!A\SFSSt rats. l9Fsi!lR ell6R8Rge iiite, and uti iei

commodity arid 8,1wity contracts:Fair value of amounts carried as assets ................

(ColumnA)Past due 30

through B9 days

(Column B)Past due 90

days or more

M.6.

7. Additions to nonaccrual assets during the quarter.............. ................ .................... ...... .... ......... ........B. Nonaccrual assets sold during the quarter.........................................................................................

RCON Bil Mil Thou

C410C411

1 The $300 millon asset size test is generally based on the total assets reported on the June 30, 2008, Report of Condition.

Schedule RC-O-Other Data for Deposit Insurance and FICO Assessmentsiterns 7 thYo ~h 9)

All banks must complete items 1 and 2~Memorandum item 1, and, if applicable, Memorandum items 2, 3, and 4 eachquarter. Each bank that reported $1 billon or more in total assets in its March 31, 2007, Report of Condition mustcomplete items 4 and 5 each quarter. In addition, each bank that reported $1 bilion or more in total assets in two consecu-tive Reports of Condition beginning with its June 30,2007, report must begin to complete items 4 and 5 each quarter startingsix months after the second consecutive quarter in which it reports total assets of $1 billon or more. Each bank that becomesinsured by the FDIC on or after April 1, 2007, must complete items 4 and 5 each quarter. Any other bank may choose to com-plete items 4 and 5, but the bank must then continue to complete items 4 and 5 each quarter thereafter.

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

2. Total allowable exclusions, including interest accrued and unpaid on allowable exclusions .............3. Not applicable

4. Total daily average of deposit liabilities before exclusions (gross) as defined in Section 3(1)of the Federal Deposit Insurance Act and FDIC regulations ..............................................................

5. Total daily average of allowable exclusions, including interest accrued and unpaid onallowable exclusions .. ..... ........... ....... ......... ....... ...... ... ............ ...... .... ......... ... .... .... ................... .......... F239


/Nstít, 0

FFIEC 041

Page RC-25

§J

M.7.M.B.

1.

2.

4.

5.

DRAFT

INSERT 0 - FFIEC 041

6. Not applicable

7. Unsecured "Other borrowings" with a remaining maturity of(sum of items 7.a through 7.d must be less than or equal toSchedule RC-M, items 5.b.(1)(a)-(d) minus item 10.b):a. One year or less ................................................................................b. Over one year through three years ...................................................c. Over three years through five years ..................................................d. Over five years ..................................................................................

8. Subordinated notes and debentures with a remaining maturity of

(sum of items 8.a through 8.d must equal Schedule RC, item 19):a. One year or less .......... ......................................................................b. Over one year through three years .................. ....... ..........................c. Over three years through five years .................................. ................d. Over five years ..................................................................................

9. Reciprocal brokered deposits (included in Schedule RC-E,

Memorandum item 1.b) ............................................................................

DRAFT

Schedule RC-Q-ContinuedMemorandum


1. Total assessable deposits of the bank, including related interest accrued and unpaid (sum ofMemorandum items 1.a.(1), 1.b.(1), 1.c.(1), and 1.d.(1) must equal Schedule RC-O, item 1less item 2):a. Deposit accounts (excluding retirement accounts) of $100,000 or less: 1

(1) Amount of deposit accounts (excluding retirement accounts) of $100,000 or less ............(2) Number of deposit accounts (excluding retirement accounts) Number

of $100,000 or less (to be completed for the June report only)... F050b. Deposit accounts (excluding retirement accounts) of more than $100,000: 1

(1) Amount of deposit accounts (excluding retirement accounts) of more than $100,000.......(2) Number of deposit accounts (excluding retirement accounts) Number

of more than $100,000...................................................................... F052c. Retirement deposit accounts of $250,000 or less:1

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

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

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

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

Memorandum item 2 is to be completed by banks with $1 bilion or more in total assets.22. Estimated amount of uninsured assessable deposits, Including related interest accrued and

unpaid (see instructions) 3 ................................................................................................................3. Has the reporting institution been consolidated with a parent bank or savings association

in that parent bank's or parent savings association's Call Report or Thrift Financial Report?If so, report the legal title and FDIC Certificate Number of the parent bank or parent savingsassociation:

TEXTA5

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

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

(including balances swept from non interest-bearing transaction accounts tononinterest-bearing savings accounts) ........................................................................................

b. Number of noninterest-bearing transaction accounts of more Numberthan $250,000 ........................................................................................ G168

FFIEC 041

Page RC-26

~

M.1.a.(1 )

M.1.a.(2)

M.1.b.(1)

M.1.b.(2)

M.1.c.(1 )

M.1.c.(2)

M.1.d.(1 )

M.1.d.(2)

M.2.

M.3.

MA.a.

MA.b.

1 The dollar amounts used as the basis for reporting in Memorandum items 1.a through 1.d reflect the deposit insuranæ limits in effect on thereport date without taking into account the temporary increase in deposit insurance in effect throu h December 31, 2009.

2 The $1 billon asset size test is generally based on the total assets reported on the June 30, eport of Condition. 2. 00 g.l3 Uninsured assessable deposits should be estimated based on the deposit insurance limits set forth in Memorandum items 1.a through 1.d

without taking into account the temporary increase in deposit insurance in effect through December 31, 2009, or a bank's participation in theFDIC's Debt Guarantee Program or Transaction Account Guarantee Program.

DRAFT

Schedule RC-P-1-4 Family Residential MortgageBanking ActivitiesSchedule RC-P is to be completed by (1) all banks with $1 billon or more in total assets1 and (2) banks with less than $1 billonin total assets at which either 1-4 family residential mortgage loan originations and purchases for resale2 from all sources, loansales, or quarter-end loans held for sale exceed $10 millon for two consecutive quarters.


1. Retail originations during the quarter of 1-4 family residential mortgage loans forsale2:a. Closed-end first liens.................... .................................................................................................b. Closed-end junior liens..................................................................................................................c. Open-end loans extended under lines of credit:

(1) Total commitment under the lines of credit .......................................................................(2) Principal amount funded under the lines of credit................................. ..........................

2. Wholesale originations and purchases during the quarter of 1-4 family residentialmortgage loans for sale:2a. Closed-end first liens.....................................................................................................................b. Closed-end junior liens..................................................................................................................c. Open-end loans extended under lines of credit:

(1) Total commitment under the lines of credit .......................................................................(2) Principal amount funded under the lines of credit...........................................................

3. 1-4 family residential mortgage loans sold during the quarter:

a. Closed-end first liens.....................................................................................................................b. Closed-end junior liens..................................................................................................................c. Open.end loans extended under lines of credit:

(1) Total commitment under the lines of credit .......................................................................(2) Principal amount funded under the lines of credit............................................... ....... .....

4. 1-4 family residential mortgage loans held for sale at quarter-end (included inSchedule RC, item 4.a):a. Closed-end first liens.....................................................................................................................b. Closed-end junior liens..................................................................................................................c. Open-end loans extended under lines of credit:

(1) Total commitment under the lines of credit .......................................................................(2) Principal amount funded under the lines of credit....................................................... .....

5. Noninterest income for the quarter from the sale, securitization, and servicing of 1-4 familyresidential mortgage loans (included in Schedule RI, items 5.f, 5.g, and 5.i):a. Closed-end 1-4 family residential mortgage loans .......................................................................b. Open-end 1-4 family residential mortgage loans extended under lines of credit ................

6. Repurchases and indemnifications of 1-4 family residential mortgage loans during thequarter.a. Closed-end first liens..................................................................................................................b. Closed-end junior liens...............................................................................................................c. Open-end loans extended under lines of credit:

(1) Total commitment under the lines of credit .......................................................................(2) Principal amount funded under the lines of credit...... ......................................................

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

FFIEC 041

Page RC-27

~

1.a.1.b.

1.c.(1 )

1.c.(2)

2.a.2.b.

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

3.a.3.b.

3.c.(1)3.c.(2)

4.a.4.b.

4.c.(1 )

4.c.(2)

5.a.5.b.

6.a.6.b.

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

DRAFT

FFIEC 041

Page RC-28

I 40 ISchedule RC-Q-Assets and Liabilties Measured at Fair Value on a Recurring BasisSchedule RC-Q is to be completed by banks that (1) reported $500 millon or more in total assets at the beginning of their fiscal year, (2) have elected to accunt forfinancial instruments or servicing assets and liabilities at fair value under a fair value option, or (3) are required to complete Schedule RC-D-Trading Assets and Liabilties.


(Column A)Total Fair Value

Reported onSchedule RC

RCON

(Column C)Level 1 Fair Value~rementsRCON

(Column D)Level 2 Fair Value

MeasurementsRCON

(Column E)Level 3 Fair Value

MeasurementsRCON

ASSETS

~: ~;~~~:II~~~~~s::ids:~~ri:::~riÍi~~' p~';~h~~~d' ~~'d~; '~g~~~~~~t; t~ ';~'~~ii::::::' I::

3. Loans and leases held for sale4. Loans and leases held for investment .............................................................. i xx5. Trading assets:

a. Derivative assetsb. Other trading assets

(1) Nontrading securities at fair value with changes in fair value reported incurrent earnings (included in Schedule RC-Q, item 5.b, above)

6. All other assets.................................................

7. Total assets measured at fair value on a recurrng basis......... ..........

LIABILITIES8. Deposits

9. Federal funds purchased and securities sold under agreements to repurchase...10. Trading liabilities:

a. Derivative liabilitiesb. Other trading liabilities

11. Other borrowed money....

12. Subordinated notes and debentures..........................................13. All other liabilities14. Total liabilities measured at fair value on a recurrng basis.. ...............................

3547 xx xx xx xxxx xx xx xx xxxx xx xx xx xxxx xx xx xx xxF258 F688 F696 F259 F260

xx xx xx xx xx

Memoranda1. Athat

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

2. A13.a.b.c.d.e.f.

issets (itemize and describe amounts included in Schedule RC-Q, item 6,ter than $25,000 and exceed 25% of item 6): xx xx xx xx xxe servicing rights.............................................................................xx xx xx xx xxng derivative assets........................................................................xx xx xx xx xx

............................................................................................................... xx xx xx xx xx

............................................................................................................... xx xx xx xx xx

............................................................................................................... xx xx xx xx xx................................................................................................................ xx xx xx xx xxii other liabilities (itemize and describe amounts included in Schedule RC-Q, item,at are greater than $25,000 and exceed 25% of item 13): xx xx xx xx xx.oan commitments (not accunted for as derivatives)........................................ F261 F689 F697 F262 F263

lontrading derivative liabilities........................................... ............................ xx xx xx xx xx............................................................................................................... xx xx xx xx xx............................................................................................................... xx xx xx xx xx............................................................................................................... xx xx xx xx xx................................................................................................................ xx xx xx xx xx

DRAFT

Schedule RC-R-Regulatory Capital

Thou

Tier 1 capital bank1. Tota~ capital (from Schedule RC, item ~.Pi.~)....................................................................2. LESS: Net unrealized gains (losses) on available-for-sale securities' (if a gain, report as a

positive value; if a loss, report as a negative value)............................... ............................................3. LESS: Net unrealized loss on available-for-sale EQUITY securities1 (report loss as a positive

value) .................................................................................................................................................4. LESS: Accumulated net gains (losses) on cash flow hedges' (if a gain, report as a positive

value; if a loss, report as a negative value)........................................................................................5. LESS: Nonquali in erpetual preferred stock. ...~Hm.~!'1:r,'?!!!~~...............................................6. Qualifyin inority)nterests in consolidated subsidiaries............................................ ......................7. a. LESS: isallowed goodwill and other disallowed intangible assets..............................................

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

8. Subtotal (sum of items 1 and 6, less items 2, 3, 4, 5, 7.a, and 7.b) ........................... ........................ C2279. a. LESS: Disallowed servicing assets and purchased credit card relationships ............................... B591

b. LESS: Disallowed deferred tax assets .................................................................. .................. ...... 561010. Other additions to (deductions from) Tier 1 capital ............................................................................ B59211. Tier 1 capital (sum of items 8 and 10, less items 9.a and 9.b)........................................................... 8274

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

5306

B593

53102221

B594

5311

8275

19. Tier 3 capital allocated for market risk .......................................................... ............... ...................... 139520. LESS: Deductions for total risk-based capital.... ....... ................. ..................... ........... ........................ B59521. Total risk-based capital (sum of items 11, 18, and 19, less item 20) .................................................. 3792

Total assets for leverage ratio22. Average total assets (from Schedule RC-K, item 9) ....................................... ...................................23. LESS: Disallowed goodwil and other disallowed intangible assets (from item 7.a above) ...............24. LESS: Disallowed servicing assets and purchased credit card relationships (from item 9.a above) .25. LESS: Disallowed deferred tax assets (from item 9.b above)............................................................26. LESS: Other deductions from assets for leverage capital purposes..................................................27. Average total assets for leverage capital purposes (item 22 less items 23 through 26) ....................

3368

B590

B591

5610B596

A224

Adjustments for financial subsidiaries28. a. Adjustment to Tier 1 capital reported in item 11 ............................................................................ C228

b. Adjustment to total risk-based capital reported in item 21................ ............ ......................... ....... B50329. Adjustment to risk-weighted assets reported in item 62........... .......... ......... ................. ............ ......... B50430. Adjustment to average total assets reported in item 27 ........ ............................. ................................ B505

Capital ratios

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

(ColumnA) (Column B)RCON Percentage RCON Percentage

7273 - -.- - 7204 - _.- -7274 - -.- - 7206 - _.- -

. 7275 - -.- - 7205 - -.- -1 Report amount included in Schedule RC, item 26.b, "Accumulated other comprehensive income:2 The ratio for column B is item 11 divided by item 27. The ratio for column A is item 11 minus item 28.a divided by (item 27 minus item 30).3 The ratio for column B is item 11 divided by item 62. The ratio for column A is item 11 minus item 28.a divided by (item 62 minus item 29).4 The ratio for column B is item 21 divided by item 62. The ratio for column A is item 21 minus item 28.b divided by (item 62 minus item 29).

FFIEC 04'Page RC-29

§J1.

2.

3.

4.

5.6.7.a.

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

10.11.

12.13.14.15.16.17.18.

19.20.21.

22.23.24.25.26.27.

28.a.28.b.29.30.

31.32.33.

DRAFT

Schedulè RC-R-Continued

FFIEC 041

Page RC-30

§JBanks are not required to risk-weight each on-balance sheet asset and the credit equivalent amount of each off-balance sheet item that qualifies for a risk weight of less than100 percent (50 percent for derivatives) at its lower risk weight. When completing items 34 through 54 of Schedule RC-R, each bank should decide for itself how detailed arisk-weight analysis it wishes to perform. In other words, a bank can choose from among its assets and off-balance sheet items that have a risk weight of less than 100 percentwhich ones to risk-weight at an appropriate lower risk weight, or it can simply risk-weight some or all of these items at a 100 percent risk weight (50 percent for derivatives).


Balance Sheet Asset Categories

34. Cash and balances due from depository institutions

(Column A equals the sum of Schedule RC items 1.aand1.b).............................................................................

35. Held-to-maturity securities ................................................

36. Available-for-sale securities ..............................................37. Federal funds sold and securities purchased under

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

38. Loans and leases held for sale .........................................

39. Loans and leases, net of unearned income ......................

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

41. Trading assets................................................................,..

42. All other assets1 ................................................................

43. Total assets (sum of items 34 through 42) ........................

(ColumnA)Totals(from

Schedule RC)

(Column B)Items NotSubject to

Risk-Weighting

(Column C) (Column D) I (Column E)

Allocation by Risk Weight Category

(Column F)

1 Includes premises and fixed assets. other real estate owned, investments in unconsolidated subsidiaries and associated companies, intangible assets, and other assets.

34.

35.

36.

37.

38.

39.

40.

41.

42.

43.

DRAFT

FFIEC 041

Page RC-31

Schedule RC-R-Continued §J

(ColumnA)Face Value

or NotionalAmount

CreditConversion

Factor

(Column B)Credit

EquivalentAmount1

(Column C) I (Column D) I (Column E)

Allocation by Risk Weight Categoryi0% I 20%

(Column F)


Derivatives and Off.Balance Sheet Items44. Financial standby letters of credit.........45: Penormance standby letters of

credit ....................................................46. Commercial and similar letters of

credit ....................................................47. Risk participations in bankers

acceptances acquired by the reportinginstitution........................... ...................

44.

45.

46.

47.

48. Securities lent.................................. .....49. Retained recourse on small business

obligations sold with recourse... ...........50. Recourse and direct credit substitutes

(other than financial standby letters ofcredit) subject to the low-level exposurrule and residual interests subject to adollar-for-dollar capital requirement .....

51. All other financial assets sold withrecourse ...............................................

52. All other off-balance sheetliabilities.......... ...... .................... .........

n

48.

50.

51.

maturity exceedin

Rel'ldce. w;tf 11'£~T l1 Column A multiplied by credit conversion factor.2 For financial standby leiters of credit to which the low-level exposure rule applies. use a credit conversion factor of 12.5 or

an institution-specific factor. For other financial standby leiters of credit, use a credit conversion factor of 1.00. See instruc-tions for further information.

3 Or institution-specific factor.

DRAFT

INSERT P - FFIEC 041

53. Unused commitments:a. With an original maturity exceeding

one year

b. With an original maturity of oneyear or less to asset-backedcommercial paper conduits

DRAFT

Schedule RC-R-Continued(Column C) I (Column D) I (Column E) I (Column F)

Allocation by Risk Weight Category


Totals55. Total assets, derivatives, and off-balance sheet items by risk weight category (for each

column, sum of items 43 through 54) ..........................................................................................56. Risk weight factor ........................................................................................................................57. Risk-weighted assets by risk weight category (for each column, item 55 multiplied by

item 56) .......................................................................................................................................

58. Market risk equivalent assets......................................................................................................59. Risk-weighted assets before deductions for excess allowance for loan and lease losses and

allocated transfer risk reserve (sum of item 57, columns C through F, and item 58) ..................

60. LESS: Excess allowance for loan and lease losses....................................................................

61. LESS: Allocated transfer risk reserve..........................................................................................

62. Total risk-weighted assets (item 59 minus items 60 and 61).......................................................


1. Current credit exposure across all derivative contracts covered by the risk-based capital standards ....................................................................

(ColumnA)One year or less

With a remaining maturity ofi i(Column B)

Over one year

through five years

RCON ~ Bil I Mil I Thou876687698772

8775

8778A001

Thou

(Column C)Over five years

2. Notional principal amounts of derivative contracts:1a. Interest rate contracts...........................................................................................b. Foreign exchange contracts........................ ............................................... ..... .....c. Gold contracts .......................... ...................................................... ............ ..........d. Other precious metals contracts...........................................................................e. Other commodity contracts ..................................................................................f. Equity derivative contracts ...... ........... .............. .....,.. ............. ....... ..... ......... ..... .....

RCON I Trill Bil I Mil

38093812

8771

8774

8777

AOOO

Thou RCON I Trill Bil i Mil

8767

87708773

87768779AOO2

FFIEC 041

Page RC.32

~

55.56.

57.

58.

59.

60.

61.

62.

M.1

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

(1) Investment grade ...............::...... ....................................................nt arade ..................................................................,..................

Replace wìt- IN!'~r21 G.1 Exclude foreign exchange contracts with an original maturity of 14 days or less and all futures contracts.

DRAFT

INSERT Q - FFIEC 041

g. Credit derivative contracts:

Purchased credit protection that (a) isa covered position under the marketrisk rule or (b) is not a coveredposition under the market risk ruleand is not recognized as a guaranteefor risk-based capital purposes:

(1) Investment grade .......................(2) Subinvestment grade .................

DRAFT

Schedule RC-S-Servicing, Securitization, and Asset Sale Activities


Bank Securitization Activities1. Outstanding principal balance of

assets sold and securitized by thereporting bank with servicing retainedor with recourse or other seller.provided credit enhancements..............

2. Maximum amount of credit exposurearising from recourse or other seller-provided credit enhancementsprovided to structures reported initem 1 in the form of:a. Credit-enhancing interest-only strips

(included in Schedules RC-B orRC-F or in Schedule RC, item 5)......

b. Subordinated securities andother residual interests.... ................

c. Standby letters of credit andother enhancements.........................

3. Reporting bank's unused commit.ments to provide liquidity to structuresreported in item 1 ............................ ......

4. Past due loan amounts included initem 1:a. 30-89 days past due ........................

b. 90 days or more past due.................5. Charge-offs and recoveries on assets

sold and securitized with servicingretained or with recourse or otherseller-provided credit enhancements

(calendar year-to.date):a. Charge.offs.......................................

b. Recoveries......................... ..............

(Column A)1-4 Family

ResidentialLoans

(Column B)HomeEquityLines

(Column C)CreditCard

Receivables

(Column D)Auto

Loans

(Column E)Other

ConsumerLoans

(Column F)Commercial

and IndustrialLoans

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

FFIEC 041

Page Re-33

~

1.

2.a.

2.b.

2.c.

3.

4.a.

4.b.

5.a.

5.b.

DRAFT

Schedule RC-S-Continued


6. Amount of ownership (or seller's)interests carried as:a. Securities (included in

Schedule RC-B or in Schedule RC,item 5) .............................................

b. Loans (included inSchedule RC-C) ......... .....................

7. Past due loan amounts included ininterests reported in item 6.a:a. 30-89 days past due .......................

b. 90 days or more past due................8. Charge-offs and recoveries on loan

amounts included in interests reportedin item 6.a (calendar year-to-date):a. Charge-offs......................................

b. Recoveries.................... ..................

For Securitization Facilities SponsoredBy or Otherwise Established By OtherInstitutions9. Maximum amount of credit exposure

arising from credit enhancementsprovided by the reporting bank to otherinstitutions' securitization structures inthe form of standby letters of credit,purchased subordinated securities,and other enhancements .....................

10. Reporting bank's unused commitmentsto provide liquidity to other institutions'securitization structures......... ..............

FFIEC 041

Page RC-34

~(ColumnA)1-4 Family

ResidentialLoans

(Column D)Auto

Loans

(Column E)Other

ConsumerLoans


and IndustrialLoans




Receivables

6.a.

6.b.

7.a.

7.b.

8.a.

a.b.

9.

10.

DRAFT

Schedule RC-S-Continued


Bank Asset Sales

11. Assets sold with recourse or otherseller-provided credit enhancementsand not securitized by the reportingbank .....................................................

12. Maximum amount of credit exposurearising from recourse or other seller-provided credit enhancements pro-vided to assets reported in item 11 ......

Memoranda

(ColumnA)1-4 Family

ResidentialLoans



Receivables

(Column E)Other

ConsumerLoans


and IndustrialLoans


(Column D)Auto

Loans


1. Small business obligations transferred with recourse under Section 208 of the Riegle Community Development and Regulatory ImprovementAct of 1994:a. Outstanding principal balance.............................................................................................................................................................................b. Amount of retained recourse on these obligations as of the report date.............................................................................................................

2. Outstanding principal balance of assets' serviced for others (includes participations serviced for others):a. Closed-end 1-4 family residential mortgages serviced with recourse or other servicer-provided credit enhancements....................................b. Closed-end 1-4 family residential mortgages serviced with no recourse or other servicer-provided credit enhancements ...............................1 B805c. Other financial assets (includes home equity Iines)1........................................................................................................................................... A591d. 1-4 family residential mortgages serviced for others that are in process of foreclosure at quarter-end (includes closed-end

and open-end loans) . ......... .... .............. ....... ..... ....... ........ ..... ..... ..... .... ..... ........ ..... ........ ....... ....... ....... ... ...... ... ... ....... ..... ........ ........... .... ......... .....

3. Asset-backed commercial paper conduits:a. Maximum amount of credit exposure arising from credit enhancements provided to conduit structures in the form of standby letters of

credit, subordinated securities, and other enhancements:

(1) Conduits sponsored by the bank, a bank affliate, or the bank's holding company ......................................................................................(2) Conduits sponsored by other unrelated institutions.................................................. ........ ..... .......... ..... ........ ................ .......... ...... ....... .........

b. Unused commitments to provide liquidity to conduit structures:

(1) Conduits sponsored by the bank, a bank affliate, or the bank's holding company ...................................................................................... B808(2) Conduits sponsored by other unrelated institutions........................................... .................... ............... ........................ ............. ................... B809

4. Outstanding credit card fees and finance charges included in Schedule RC-S, item 1, column C2........................................................................ C407

FFIEC 041

Page RC-35

~

11.

12.

M.l.a.M.l.b.

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

M.2.d.

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

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

i Memorandum item 2.c is to be completed if the principal balance of other financial assets serviced for others is more than $10 milion.2 Memorandum item 4 is to be completed by banks that (1) together with affliated institutions, have outstanding credit card receivables (as defined in the instructions) that exceed $500 millon as of the report

date or (2) are credit card specialty banks as defined for Uniform Bank Performance Report purposes.

DRAFT

FFIEC 041

Page RC-36

Schedule RC- T -Fiduciary and Related Services ~.feiiiS 12 U.retlgh 18, ite"'9 29 thr8t:gh 23, aild Memo.diidaili itelli 4 ,viII Ret tie R:ade auailallle tool pi.ibli& 8" 81' ¡"diu ideal ilisUtutioii basis.

RCON

1. Does the institution have fiduciary powers? (If "NO:' do not complete Schedule RC- T.). ....................... A345 1.

2. Does the institution exercise the fiduciary powers it has been granted? ............................................... 2.

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

If the answer to item 3 is "YES:' complete the applicable items of Schedule RC- T, as follows:\0,

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

Items ~g tRF81:gti 23,fnnually with the December report, and- fl,.. ..Ôh Z 6

. Memorandum items 1 through 4 annually with the December report.10

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

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

Institutions with total fiduciary assets (item ~ sum of columns A and B) of $100 millon or less (as of the preceding December 31)that do not meet the fiducia income test for quarterly reporting must complete:. Items 4 through lQ nnually with the December report, and I 3

. Memorandum items 1 through 3 annually with the December report.

(Column A)ManagedAssets

(Column B)Non-Managed

Assets

(Column C)Number ofManagedAccounts

(Column D)Number of

Non-ManagedAccounts


5.a.

ClARY AND RELATED ASSETSPers trust and agency accounts ......Retirement ted trust and agencyaccounts:a. Employee benefit-de

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

benefit...............................................RCON 8879

5.b.RCON 8883

c. Other retirement accounts................. S.c.RCON COO2

6. Corporate trust and agency accounts ....7. Investment management agency

accounts.................................................

6.

7.

8. Other fiduciary accounts.................... . 8.9. Total fiduciary accounts(sum of items 4 throu 9.10. Custo d safekeeping accounts....... 10.11. applicable

~ RalQc(¿ witt (rJ5ERT R.

DRAFT

INSERT R - FFIEC 041

FIDUCIARY AND RELATED ASSETS4. Personal trust and agency accounts ..5. Employee benefit and retirement-

related trust and agency accounts:a. Employee benefit-defined RCON 8874 RCON 8875

contribution ...................................b. Employee benefit-defined RCON 8878 RCON8879

benefit ...........................................c. Other employee benefit and RCON 882 RCON 883

retirement-related accounts .........RCON COO1 RCONCOO2

6. Corporate trust and agency accounts .7. Investment management and RCONB8 RCONXX

investment advisory agency accounts8. Foundation and endowment trust and RCONXX RCONXX

agency accounts .................................RCON 8892 RCON8893

9. Other fiduciary accounts ........... ..........10. Total fiduciary accounts (sum of RCON 8896 RCON 8897

items 4 through 9) ...............................RCON 8899

11. Custody and safekeeping accounts ....12. Not applicable13. Individual Retirement Accounts,

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

DRAFT

FFIEC 041

Page RC-37

Schedule RC- T -Continued ~ClARY AND RELATED SERVICES INCOME

12. Pe al trust and agency accounts.............................................................................................. B90413. Retiremen ted trust and agency accounts:

a. Employee ben defined contribution.................................................................................... Bb. Employee benefit-de benefit .......................................................... ............. ............. ..... B906c. Other retirement accounts......... ......................................... .......................... ........ .......... ..... B907

14. Corporate trust and agency accounts........ .................................................... .......................... A47915. Investment management agency accounts............ B90816. Other fiduciary accounts...... ............................. .................. . .............. ...................................... A48017. Custody and safekeeping accounts .... ....................... .... .............. B909

18. Other fiduciary and related services income. B91019. Total gross fiduciary and related servi income (sum of items 12 through 18) (m ual

Schedule RI, item 5.a)............ ................................................................................................ .. 407020. Less: Expenses.......... ................................................................................................................. 821. Less: Net los om fiduciary and related services .............................................. ....................... M8822. Plus' company income credits for fiduciary and related services ........................................... B911

et fiduciary and related services incom ...................................... ................................. A491

L Re-pla.ce. w ì\1 , N .sE~ T S

Memoranda Dollar Amounts in Thousands

1. Manag ets held in personal trust and agency accounts:a. Noninterest-be' eposits .................... ................ ...................................................... ..... ..b. Interest-bearing deposits.......c. U.S. Treasury and U.S. Government obligations................................ ......................d. State, county and municipal obligations..................e. Money market mutual funds .....................................................f. Other short-term obligations.......................................... ........................g. Other notes and bonds...................................... .................................................. ...............h. Common and preferred stocks .............i. Real estate mortgages............j. Real estate................. ..........................................................................................................k. Miscellaneou ets ........................... .................................. ......... ..... ............... ............ .........i. Total aged assets held in personal trust and agency accounts (sum of Memorandum

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

LI(etl'lc~ wiM- ItJSEJ?T i

M.l.a.M.l.bM.l.c.M.l.d.M.l.e.M.l.f.M.1.gM.l.hM.l.i.M.1JM.l.k

B868

(Column A) (Column B)Number of Principal Amount

Issues OutstandingDollar Amounts in Thousands RCON It"Y;:;.. /. Triil Bil T Mil I Thou

ì 2. ~D'PD ~..~ """Dunls, i!. , ,I T I~. ¡~ ~71

a. Corporate and municipal trusteeshi ................... .......... ......... M.2.a... .p~:;:;;,b. Trancfor , ~~;~" or, paying agent, and other corporate agency............... o,u,;, M.2.b.

L R.epl cwa. VI \ ltIN .stitT u.

DRAFT

INSERT S - FFIEC 041

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

a. Employee benefit-defined contribution .. ............................................ 8905b. Employee benefit-defined benefi ...................................................... 890c. Other employee benefi and retirement-related accounts .............. ...... 8907

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

18. Foundation and endowment trust and agency accounts ........................... XX19. Other fiduciary accounts ......................... .......... ....................... .................. A48020. Custody and safekeeping accounts ......................................... .................. 890921. Other fiduciary and related services income .............................................. 891022. Total gross fiduciary and related services income (sum of items 14

through 21) (must equal Schedule RI, item 5.a) ........................................ 407023. Less: Expenses . ......... ......... .... ................................................... ............... COSS24. Less: Net losses from fiduciary and related services ................. ............... A48825.' Plus: Intracompany income credits for fiduciary and related services ...... 891126. Net fiduciary and related services income .............................. ................... A491

DRAFT

INSERT T - FFIEC 041

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

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

c. U.S. Treasury and U.S.

Government agency

obligations ...............................

d. State, county, and municipal

obligations ...............................

e. Money market mutual funds ....

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

g. Other mutual funds .................

h. Common trust funds andcollective investment funds .....

i. Other short-term obligations ...

j. Other notes and bonds ...........

k. Investments in unregistered

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

i. Oter common and preferred

stocks ......................................

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

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

o. Miscellaneous assets ..............

p. Total managed assets held in

fiduciary accunts (for eachcolumn, sum of Memorandumitems 1.a through 1.0) .............

q. Investments of managed fiducia

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

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

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

Management Agency and Agency AccuntsAccunts

RCON Bil Mil Thou RCON Bil Mil Thou RCON Bil Mil Thou

XX XX XXXX XX XX

XX XX XX

XX XX XXXX XX XXXX XX XXXX XX XX

XX XX XXXX XX XXXX XX XX

XX XX XX

XX XX XXXX XX XXXX XX XXXX XX XX

XX XX XX

(Column A) (Column B)Managed Assets Number of Managed

Accounts

ry accunts in advised or.............................................

DRAFT

INSERT U - FFIEC 041

2. Corporate trust and agency accounts:

a. Corporate and municipal trusteeships

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

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

corporate agency

DRAFT


3. Collective investment funds and common trust funds:a. Domestic equity............................................................................................ B931b. International/Global equity............................................................................ B933c. Stock/Bond blend......................................................................................... B935d. Taxable bond ................................................................................................ B937e. Municipal bond .............................. ............................................................... B939f. Short term investments/Money market... .............. ...... ..... ................ ........... B941g. Specialty/Other............................................................................................. B943h. Total collective investment funds (sum of Memorandum items 3.a

through 3.g) .................................................................................................. B945

Schedule RC- T -Continued

Memoranda-Continued

£""r\~1~~ btrlf-'t o,..l~ Dollar Amounts in Thousands4. Fiduciary settlements, surcharges, and other losses:

a. Personal trust and agency accunts ........................................b. ~etirement-elated trust and agency accounts.........................c. m anagemen agency accounts..............................d. Other fiduciary accounts and related services .........................e. Total fiduciary settlements, surcharges, and other losses

(sum of Memorandum items 4.a through 4.d) (sum ofcolumns A and B minus column C must equalSchedule RC- T, item 21) ................. ............ ........... ..................

I\r\d li\Vut""e'''+ ø.d ""scry

(ColumnA)Number of

Funds

B932

B934

B936

B938

B940

B942

B94

(ColumnA)Gross Losses

ManagedAccounts

(Column B)Gross LossesNon-Managed

Accounts

(Column C)Recoveries

FFIEC 041

Page RC-38

~

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

M.3.h.

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

M.4.e.

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

Name and Tille (TXT 6962)

E-mail Address (TXT 6926)

Telephone: Area coe/phone number/extension (TXT 6963) FAX: Area coe/phone number (TXT 696)

DRAFT

FFIEC 041

Page RC-39

§JOptional Narrative Statement Concerning the Amounts

Reported in the Reports of Condition and Income

The management of the reporting bank may, if it wishes, submit abrief narrative statement on the amounts reported in the Reports ofCondition and Income. This optional statement will be made avail-able to the public, along with the publicly available data in the Reportsof Condition and Income, in response to any request for individualbank report data. l leuuevei, tile ii ,leFA:8tiQi: r9p9~9El iR i6!'eEltlleRG 1=, iteiiis H! tllP8tl!l1: 1 S, it9A:S ~9 '!'F9tl!l!' ~~¡ aREI Me"'8F8i1dtlill

Iteill 4, iii r'igard'id as copfid'iRtial ai:d ",il i:Qt be F91e8&eEl '9 tl:9

op. BANKS CHOOSING TO SUBMIT THE NARRATIVE STATE-MENT SHOULD ENSURE THAT THE STATEMENT DOES NOTCONTAIN THE NAMES OR OTHER IDENTIFICATIONS OF INDI-VIDUAL BANK CUSTOMERS, REFERENCES TO THE AMOUNTSREPORTED IN THE CONFIDENTIAL ITEMS IN SCHEDULE RC-T,OR ANY OTHER INFORMATION THAT THEY ARE NOT WILLINGTO HAVE MADE PUBLIC OR THAT WOULD COMPROMISE THEPRIVACY OF THEIR CUSTOMERS. Banks choosing not to makea statement may check the "No comment" box below and shouldmake no entries of any kind in the space provided for the narrativestatement; i.e., DO NOT enter in this space such phrases as "Nostatement," "Not applicable," "N/A," "No comment," and "None."

The optional statement must be entered on this sheet. The state-ment should not exceed 100 words. Further, regardless of thenumber of words, the statement must not exceed 750 characters,including punctuation, indentation, and standard spacing betweenwords and sentences. If any submission should exceed 750 charac-ters, as defined, it wil be truncated at 750 characters with no noticeto the submitting bank and the truncated statement wil appear as

the bank's statement both on agency computerized records and incomputer-file releases to the public.

All information furnished by the bank in the narrative statement

must be accurate and not misleading. Appropriate efforts shall betaken by the submitting bank to ensure the statement's accuracy.

The statement must be signed, in the space provided below, by asenior offcer of the bank who thereby attests to its accuracy.

If, subsequent to the original submission, material changes aresubmitted for the data reported in the Reports of Condition andIncome, the existing narrative statement wil be deleted from thefiles, and from disclosure; the bank, at its option, may replace it witha statement, under signature, appropriate to the amended data.

The optional narrative statement wil appear in agency recordsand in release to the public exactly as submitted (or amended asdescribed in the preceding paragraph) by the management of thebank (except for the truncation of statements exceeding the 750-character limit described above). THE STATEMENT WILL NOTBEEDITED OR SCREENED IN ANY WAY BY THE SUPERVISORYAGENCIES FOR ACCURACY OR RELEVANCE. DISCLOSUREOF THE STATEMENT SHALL NOT SIGNIFY THAT ANY FEDERALSUPERVISORY AGENCY HAS VERIFIED OR CONFIRMED THEACCURACY OF THE INFORMATION CONTAINED THEREIN. ASTATEMENT TO THIS EFFECT WILL APPEAR ON ANY PUBLICRELEASE OF THE OPTIONAL STATEMENT SUBMITIED BYTHE MANAGEMENT OF THE REPORTING BANK.

Comments? .................................................................................................................................................................

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

DRAFT

Documents

Consolidated Reports of Condition and Income for A Bank With … · Ai ea ooefpl lUi ie 'Idi' .bei (TEXT eo,.) FJlt Ai 06 wde1pl 161.6 ¡lUI' ibw (i EX' e6l9) This information is