Download pdf - Consolidated Reports of Condition and Income for A Bank ......Federal Deposit Insurance Corporation Office of the Comptroller of the Currency Federal Financial Institutions Examination

Board of Governors of the Federal Reserve SystemFederal Deposit Insurance Corporation

Office of the Comptroller of the Currency

Federal Financial Institutions Examination Council

1

Consolidated Reports of Condition and Income for A Bank WithDomestic Offices Only - FFIEC 041

Institution Name SEATTLE BANK

City SEATTLE

State WA

Zip Code 98101

Call Report Quarter End Date 3/31/2014

Report Type 041

RSSD-ID 2838207

FDIC Certificate Number 35139

OCC Charter Number 0

ABA Routing Number 125084697

Last updated on 4/30/2014

Board of Governors of the Federal Reserve System, Federal Deposit Insurance Corporation, Office of the Comptroller of the CurrencyLegend: NR - Not Reported, CONF - Confidential

Bank Demographic InformationDollar amounts in thousands

1.20140331RCON99991. Reporting date....................................................................................................................

2.35139RSSD90502. FDIC certificate number.....................................................................................................

3.Seattle BankRSSD90173. Legal title of bank...............................................................................................................

4.SeattleRSSD91304. City.....................................................................................................................................

5.WARSSD92005. State abbreviation...............................................................................................................

6.98101RSSD92206. Zip code..............................................................................................................................

Contact InformationDollar amounts in thousands

1.1. Contact Information for the Reports of Condition and Income

1.a.a. Chief Financial Officer (or Equivalent) Signing the Reports

1.a.1.CONFTEXTC4901. Name.......................................................................................................................

1.a.2.CONFTEXTC4912. Title..........................................................................................................................

1.a.3.CONFTEXTC4923. E-mail Address........................................................................................................

1.a.4.CONFTEXTC4934. Telephone................................................................................................................

1.a.5.CONFTEXTC4945. FAX.........................................................................................................................

1.b.b. Other Person to Whom Questions about the Reports Should be Directed

1.b.1.CONFTEXTC4951. Name.......................................................................................................................

1.b.2.CONFTEXTC4962. Title..........................................................................................................................

1.b.3.CONFTEXT40863. E-mail Address........................................................................................................

1.b.4.CONFTEXT89024. Telephone................................................................................................................

1.b.5.CONFTEXT91165. FAX.........................................................................................................................

2.

2. Person to whom questions about Schedule RC-T - Fiduciary and Related Services shouldbe directed

2.a.CONFTEXTB962a. Name and Title..............................................................................................................

2.b.CONFTEXTB926b. E-mail Address..............................................................................................................

2.c.CONFTEXTB963c. Telephone......................................................................................................................

2.d.CONFTEXTB964d. FAX...............................................................................................................................

3.3. Emergency Contact Information

3.a.a. Primary Contact

3.a.1.CONFTEXTC3661. Name.......................................................................................................................




3.a.5.CONFTEXTC3705. FAX.........................................................................................................................

3.b.b. Secondary Contact

3.b.1.CONFTEXTC3711. Name.......................................................................................................................


3.b.3.CONFTEXTC3733. E-mail Address........................................................................................................

3.b.4.CONFTEXTC3744. Telephone................................................................................................................

3.b.5.CONFTEXTC3755. FAX.........................................................................................................................

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

4.a.a. Primary Contact

4.a.1.CONFTEXTC4371. Name.......................................................................................................................




4.b.b. Secondary Contact

SEATTLE BANK FFIEC 041

RSSD-ID 2838207 Quarter End Date 3/31/2014

Last Updated on 4/30/2014 2

Dollar amounts in thousands

4.b.1.CONFTEXTC4421. Name.......................................................................................................................


4.b.3.CONFTEXTC4443. E-mail Address........................................................................................................

4.b.4.CONFTEXTC4454. Telephone................................................................................................................

4.c.c. Third Contact

4.c.1.CONFTEXTC8701. Name.......................................................................................................................

4.c.2.CONFTEXTC8712. Title..........................................................................................................................

4.c.3.CONFTEXTC8723. E-mail Address........................................................................................................

4.c.4.CONFTEXTC8734. Telephone................................................................................................................

4.d.d. Fourth Contact

4.d.1.CONFTEXTC8751. Name.......................................................................................................................

4.d.2.CONFTEXTC8762. Title..........................................................................................................................

4.d.3.CONFTEXTC8773. E-mail Address........................................................................................................

4.d.4.CONFTEXTC8784. Telephone................................................................................................................

Optional Narrative Statement Concerning the Amounts Reported in the Reports ofCondition and Income


1.NoRCON69791. Comments?........................................................................................................................

2.NRTEXT69802. Bank Management Statement............................................................................................

Schedule RI - Income StatementDollar amounts in thousands

1.1. Interest income:

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

1.a.1.1. Loans secured by real estate:

1.a.1.a.257RIAD4435a. Loans secured by 1-4 family residential properties...........................................

1.a.1.b.1,218RIAD4436b. All other loans secured by real estate................................................................

1.a.2.429RIAD40122. Commercial and industrial loans.............................................................................

1.a.3.3. Loans to individuals for household, family, and other personal expenditures:

1.a.3.a.0RIADB485a. Credit cards.......................................................................................................

1.a.3.b.5RIADB486

b. Other (includes revolving credit plans other than credit cards, automobile loans,and other consumer loans)....................................................................................

1.a.4.0RIAD40564. Loans to foreign governments and official institutions.............................................

1.a.5.0RIAD40585. All other loans.........................................................................................................

1.a.6.1,909RIAD40106. Total interest and fee income on loans (sum of items 1.a.(1)(a) through 1.a.(5)).....

1.b.0RIAD4065b. Income from lease financing receivables......................................................................

1.c.52RIAD4115c. Interest income on balances due from depository institutions......................................

1.d.d. Interest and dividend income on securities:

1.d.1.0RIADB488

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

1.d.2.6RIADB4892. Mortgage-backed securities....................................................................................

1.d.3.6RIAD4060

3. All other securities (includes securities issued by states and political subdivisionsin the U.S.)..................................................................................................................

1.e.0RIAD4069e. Interest income from trading assets..............................................................................

1.f.0RIAD4020

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

1.g.0RIAD4518g. Other interest income...................................................................................................

1.h.1,973RIAD4107h. Total interest income (sum of items 1.a.(6) through 1.g)...............................................





2.2. Interest expense:

2.a.a. Interest on deposits:

2.a.1.5RIAD4508

1. Transaction accounts (interest-bearing demand deposits, NOW accounts, ATSaccounts, and telephone and preauthorized transfer accounts).................................

2.a.2.2. Nontransaction accounts:

2.a.2.a.71RIAD0093a. Savings deposits (includes MMDAs).................................................................

2.a.2.b.66RIADA517b. Time deposits of $100,000 or more...................................................................

2.a.2.c.82RIADA518c. Time deposits of less than $100,000.................................................................

2.b.0RIAD4180

b. Expense of federal funds purchased and securities sold under agreements torepurchase........................................................................................................................

2.c.31RIAD4185c. Interest on trading liabilities and other borrowed money...............................................

2.d.0RIAD4200d. Interest on subordinated notes and debentures...........................................................

2.e.255RIAD4073e. Total interest expense (sum of items 2.a through 2.d)..................................................

3.1,718RIAD40743. Net interest income (item 1.h minus 2.e)............................................................................

4.-750RIAD42304. Provision for loan and lease losses....................................................................................

5.5. Noninterest income:

5.a.0RIAD4070a. Income from fiduciary activities ....................................................................................

5.b.37RIAD4080b. Service charges on deposit accounts...........................................................................

5.c.0RIADA220c. Trading revenue.............................................................................................................

5.d.d. Not available

5.d.1.0RIADC8861. Fees and commissions from securities brokerage..................................................

5.d.2.0RIADC8882. Investment banking, advisory, and underwriting fees and commissions.................

5.d.3.0RIADC8873. Fees and commissions from annuity sales.............................................................

5.d.4.0RIADC3864. Underwriting income from insurance and reinsurance activities.............................

5.d.5.0RIADC3875. Income from other insurance activities....................................................................

5.e.0RIADB491e. Venture capital revenue.................................................................................................

5.f.45RIADB492f. Net servicing fees..........................................................................................................

5.g.0RIADB493g. Net securitization income..............................................................................................

5.h.h. Not applicable

5.i.60RIAD5416i. Net gains (losses) on sales of loans and leases............................................................

5.j.-5RIAD5415j. Net gains (losses) on sales of other real estate owned.................................................

5.k.3RIADB496k. Net gains (losses) on sales of other assets (excluding securities)................................

5.l.39RIADB497l. Other noninterest income...............................................................................................

5.m.179RIAD4079m. Total noninterest income (sum of items 5.a through 5.l)..............................................

6.6. Not available

6.a.0RIAD3521a. Realized gains (losses) on held-to-maturity securities.................................................

6.b.0RIAD3196b. Realized gains (losses) on available-for-sale securities................................................

7.7. Noninterest expense:

7.a.1,436RIAD4135a. Salaries and employee benefits....................................................................................

7.b.413RIAD4217

b. Expenses of premises and fixed assets (net of rental income) (excluding salaries andemployee benefits and mortgage interest).......................................................................

7.c.c. Not available

7.c.1.0RIADC2161. Goodwill impairment losses....................................................................................

7.c.2.0RIADC2322. Amortization expense and impairment losses for other intangible assets..............

7.d.787RIAD4092d. Other noninterest expense............................................................................................

7.e.2,636RIAD4093e. Total noninterest expense (sum of items 7.a through 7.d)............................................

8.11RIAD4301

8. Income (loss) before income taxes and extraordinary items and other adjustments (item3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e).....................................................................

9.0RIAD43029. Applicable income taxes (on item 8)...................................................................................

10.11RIAD430010. Income (loss) before extraordinary items and other adjustments (item 8 minus item 9)...

11.0RIAD432011. Extraordinary items and other adjustments, net of income taxes.....................................





12.11RIADG104

12. Net income (loss) attributable to bank and noncontrolling (minority) interests (sum ofitems 10 and 11).....................................................................................................................

13.0RIADG103

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

14.11RIAD434014. Net income (loss) attributable to bank (item 12 minus item 13).......................................

M.1.0RIAD4513

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

M.2.NRRIAD8431

2. Income from the sale and servicing of mutual funds and annuities (included in ScheduleRI, item 8)...............................................................................................................................

M.3.0RIAD4313

3. Income on tax-exempt loans and leases to states and political subdivisions in the U.S.(included in Schedule RI, items 1.a and 1.b)..........................................................................

M.4.0RIAD4507

4. Income on tax-exempt securities issued by states and political subdivisions in the U.S.(included in Schedule RI, item 1.d.(3))...................................................................................

M.5.56RIAD4150

5. Number of full-time equivalent employees at end of current period (round to nearest wholenumber)..................................................................................................................................

M.6.0RIAD4024

6. Interest and fee income on loans to finance agricultural production and other loans tofarmers (included in Schedule RI, item 1.a.(5))......................................................................

M.7.0RIAD9106

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

M.8.

8.Trading revenue (from cash instruments and derivative instruments) (sum of Memorandumitems 8.a through 8.e must equal Schedule RI, item 5.c):

M.8.a.NRRIAD8757a. Interest rate exposures.................................................................................................

M.8.b.NRRIAD8758b. Foreign exchange exposures........................................................................................

M.8.c.NRRIAD8759c. Equity security and index exposures.............................................................................

M.8.d.NRRIAD8760d. Commodity and other exposures..................................................................................

M.8.e.NRRIADF186e. Credit exposures...........................................................................................................

M.8.f.

NRRIADK090f. Impact on trading revenue of changes in the creditworthiness of the bank's derivativescounterparties on the bank's derivative assets (included in Memorandum items 8.athrough 8.e above)............................................................................................................

M.8.g.NRRIADK094

g. Impact on trading revenue of changes in the creditworthiness of the bank on the bank'sderivative liabilities (included in Memorandum items 8.a through 8.e above)...................

M.9.

9. Net gains (losses) recognized in earnings on credit derivatives that economically hedgecredit exposures held outside the trading account:

M.9.a.0RIADC889a. Net gains (losses) on credit derivatives held for trading...............................................

M.9.b.0RIADC890b. Net gains (losses) on credit derivatives held for purposes other than trading..............

M.10.0RIADA25110. Credit losses on derivatives (see instructions).................................................................

M.11.NoRIADA530

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

M.12.NRRIADF228

12. Noncash income from negative amortization on closed-end loans secured by 1-4 familyresidential properties (included in Schedule RI, item 1.a.(1)(a))............................................

M.13.

13. Net gains (losses) recognized in earnings on assets and liabilities that are reported atfair value under a fair value option:

M.13.a.NRRIADF551a. Net gains (losses) on assets.........................................................................................

M.13.a.1.NRRIADF552

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

M.13.b.NRRIADF553b. Net gains (losses) on liabilities......................................................................................

M.13.b.1.NRRIADF554

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

M.14.

14. Other-than-temporary impairment losses on held-to-maturity and available-for-sale debtsecurities:

M.14.a.0RIADJ319a. Total other-than-temporary impairment losses..............................................................

M.14.b.0RIADJ320b. Portion of losses recognized in other comprehensive income (before income taxes)...

M.14.c.0RIADJ321

c. Net impairment losses recognized in earnings (included in Schedule RI, items 6.a and6.b) (Memorandum item 14.a minus Memorandum item 14.b).........................................




Schedule RI-A - Changes in Bank Equity CapitalDollar amounts in thousands

1.45,662RIAD3217

1. Total bank equity capital most recently reported for the December 31, 2013, Reports ofCondition and Income (i.e., after adjustments from amended Reports of Income)................

2.0RIADB507

2. Cumulative effect of changes in accounting principles and corrections of material accountingerrors......................................................................................................................................

3.45,662RIADB5083. Balance end of previous calendar year as restated (sum of items 1 and 2).......................

4.11RIAD43404. Net income (loss) attributable to bank (must equal Schedule RI, item 14).........................

5.-5RIADB509

5. Sale, conversion, acquisition, or retirement of capital stock, net (excluding treasury stocktransactions)...........................................................................................................................

6.0RIADB5106. Treasury stock transactions, net.........................................................................................

7.0RIAD43567. Changes incident to business combinations, net...............................................................

8.0RIAD44708. LESS: Cash dividends declared on preferred stock...........................................................

9.0RIAD44609. LESS: Cash dividends declared on common stock............................................................

10.-2RIADB51110. Other comprehensive income...........................................................................................

11.0RIAD4415

11. Other transactions with stockholders (including a parent holding company) (not includedin items 5, 6, 8, or 9 above)....................................................................................................

12.45,666RIAD3210

12. Total bank equity capital end of current period (sum of items 3 through 11) (must equalSchedule RC, item 27.a)........................................................................................................

Schedule RI-B Part I - Charge-offs and Recoveries on Loans and Leases(Column B) RecoveriesCalendar year-to-date

(Column A) Charge-offsCalendar year-to-dateDollar amounts in thousands

1.1. Loans secured by real estate:

1.a.a. Construction, land development, and other land loans:

1.a.1.0RIADC8920RIADC8911. 1-4 family residential construction loans....................................

1.a.2.0RIADC8940RIADC893

2. Other construction loans and all land development and otherland loans......................................................................................

1.b.0RIAD35850RIAD3584b. Secured by farmland.......................................................................

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

1.c.1.0RIAD54120RIAD5411

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

1.c.2.2. Closed-end loans secured by 1-4 family residential properties:

1.c.2.a.0RIADC217253RIADC234a. Secured by first liens............................................................

1.c.2.b.0RIADC2180RIADC235b. Secured by junior liens.........................................................

1.d.0RIAD35890RIAD3588d. Secured by multifamily (5 or more) residential properties...............

1.e.e. Secured by nonfarm nonresidential properties:

1.e.1.0RIADC8960RIADC895

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

1.e.2.0RIADC8980RIADC8972. Loans secured by other nonfarm nonresidential properties.......

2.0RIAD44820RIAD44812. Loans to depository institutions and acceptances of other banks.........

3.3. Not applicable

4.0RIAD46080RIAD46384. Commercial and industrial loans...........................................................

5.

5. Loans to individuals for household, family, and other personalexpenditures:

5.a.0RIADB5150RIADB514a. Credit cards.....................................................................................

5.b.0RIADK1330RIADK129b. Automobile loans.............................................................................

5.c.0RIADK2060RIADK205

c. Other (includes revolving credit plans other than credit cards andother consumer loans)........................................................................

6.0RIAD46270RIAD46436. Loans to foreign governments and official institutions..........................

7.0RIAD46280RIAD46447. All other loans.......................................................................................

8.0RIAD42670RIAD42668. Lease financing receivables..................................................................




(Column B) RecoveriesCalendar year-to-date

(Column A) Charge-offsCalendar year-to-dateDollar amounts in thousands

9.0RIAD4605253RIAD46359. Total (sum of items 1 through 8)............................................................

M.1.

0RIAD54100RIAD54091. Loans to finance commercial real estate, construction, and landdevelopment activities (not secured by real estate) included in ScheduleRI-B, part I, items 4 and 7, above.............................................................

M.2.2. Not available

M.2.a.0RIAD46620RIAD4652

a. Loans secured by real estate to non-U.S. addressees (domicile)(included in Schedule RI-B, part I, item 1, above)...............................

M.2.b.0RIAD46640RIAD4654

b. Loans to and acceptances of foreign banks (included in ScheduleRI-B, part I, item 2, above)..................................................................

M.2.c.0RIAD46180RIAD4646

c. Commercial and industrial loans to non-U.S. addressees (domicile)(included in Schedule RI-B, part I, item 4, above)...............................

M.2.d.0RIADF1870RIADF185

d. Leases to individuals for household, family, and other personalexpenditures (included in Schedule RI-B, part I, item 8, above).........

M.3.0RIAD46650RIAD4655

3. Loans to finance agricultural production and other loans to farmers(included in Schedule RI-B, part I, item 7, above)....................................

Schedule RI-B Part I - Charge-offs and Recoveries on Loans and LeasesDollar amounts in thousands

M.4.0RIADC388

4. Uncollectible retail credit card fees and finance charges reversed against income (i.e.,not included in charge-offs against the allowance for loan and lease losses)........................

Schedule RI-B Part II - Changes in Allowance for Loan and Lease LossesDollar amounts in thousands

1.6,822RIADB522

1. Balance most recently reported for the December 31, 2013, Reports of Condition andIncome (i.e., after adjustments from amended Reports of Income).......................................

2.0RIAD46052. Recoveries (must equal part I, item 9, column B, above)...................................................

3.253RIADC079

3. LESS: Charge-offs (must equal part I, item 9, column A, above less Schedule RI-B, partII, item 4)................................................................................................................................

4.0RIAD55234. LESS: Write-downs arising from transfers of loans to a held-for-sale account...................

5.-750RIAD42305. Provision for loan and lease losses (must equal Schedule RI, item 4)...............................

6.0RIADC2336. Adjustments (see instructions for this schedule)................................................................

7.5,819RIAD3123

7. Balance end of current period (sum of items 1, 2, 5, and 6, less items 3 and 4) (must equalSchedule RC, item 4.c)..........................................................................................................

M.1.0RIADC4351. Allocated transfer risk reserve included in Schedule RI-B, part II, item 7, above ..............

M.2.0RIADC3892. Separate valuation allowance for uncollectible retail credit card fees and finance charges.

M.3.0RIADC390

3. Amount of allowance for loan and lease losses attributable to retail credit card fees andfinance charges......................................................................................................................

M.4.

0RIADC7814. Amount of allowance for post-acquisition credit losses on purchased credit-impaired loansaccounted for in accordance with FASB ASC 310-30 (former AICPA Statement of Position03-3) (included in Schedule RI-B, Part II, item 7, above).......................................................




Schedule RI-C - Disaggregated Data on the Allowance for Loan and Lease Losses(Column F)AllowanceBalance:

PurchasedCredit-Impaired

Loans (ASC310-30)

(Column E)Recorded

Investment:Purchased

Credit-ImpairedLoans (ASC

310-30)

(Column D)AllowanceBalance:

CollectivelyEvaluated forImpairment

(ASC 450-20)

(Column C)Recorded

Investment:Collectively

Evaluated forImpairment

(ASC 450-20)

(Column B)AllowanceBalance:

IndividuallyEvaluated for

Impairment andDetermined tobe Impaired

(ASC 310-10-35)

(Column A)Recorded

Investment:Individually

Evaluated forImpairment andDetermined tobe Impaired

(ASC 310-10-35)Dollar amounts in thousands

1. Real estate loans: 1.

RCONM713RCONM712RCONM711RCONM710RCONM709RCONM708

a. Construction loans................................................................. 1.a.NRNRNRNRNRNR


b. Commercial real estate loans................................................ 1.b.NRNRNRNRNRNR


c. Residential real estate loans.................................................. 1.c.NRNRNRNRNRNR


2. Commercial loans........................................................................ 2.NRNRNRNRNRNR


3. Credit cards................................................................................. 3.NRNRNRNRNRNR


4. Other consumer loans................................................................. 4.NRNRNRNRNRNR

RCONM745

5. Unallocated, if any....................................................................... 5.NR


6. Total (for each column, sum of items 1.a through 5).................... 6.NRNRNRNRNRNR




Schedule RI-E - ExplanationsDollar amounts in thousands

1.

1. Other noninterest income (from Schedule RI, item 5.l) Itemize and describe amountsgreater than $25,000 that exceed 3% of Schedule RI, item 5.l:

1.a.0RIADC013a. Income and fees from the printing and sale of checks..................................................

1.b.0RIADC014b. Earnings on/increase in value of cash surrender value of life insurance......................

1.c.0RIADC016c. Income and fees from automated teller machines (ATMs)............................................

1.d.36RIAD4042d. Rent and other income from other real estate owned...................................................

1.e.0RIADC015e. Safe deposit box rent....................................................................................................

1.f.0RIADF229

f. Net change in the fair values of financial instruments accounted for under a fair valueoption................................................................................................................................

1.g.0RIADF555g. Bank card and credit card interchange fees.................................................................

1.h.0RIADJ447h. Gains on bargain purchases.........................................................................................

1.i.i. Disclose component and the dollar amount of that component:

1.i.1.NRTEXT44611. Describe component...............................................................................................

1.i.2.0RIAD44612. Amount of component.............................................................................................

1.j.j. Disclose component and the dollar amount of that component:

1.j.1.NRTEXT44621. Describe component...............................................................................................

1.j.2.0RIAD44622. Amount of component.............................................................................................

1.k.k. Disclose component and the dollar amount of that component:

1.k.1.NRTEXT44631. Describe component...............................................................................................

1.k.2.0RIAD44632. Amount of component.............................................................................................

2.

2. Other noninterest expense (from Schedule RI, item 7.d) Itemize and describe amountsgreater than $25,000 that exceed 3% of Schedule RI, item 7.d:

2.a.168RIADC017a. Data processing expenses............................................................................................

2.b.11RIAD0497b. Advertising and marketing expenses............................................................................

2.c.0RIAD4136c. Directors' fees...............................................................................................................

2.d.0RIADC018d. Printing, stationery, and supplies..................................................................................

2.e.0RIAD8403e. Postage.........................................................................................................................

2.f.34RIAD4141f. Legal fees and expenses...............................................................................................

2.g.CONFRIAD4146g. FDIC deposit insurance assessments..........................................................................

2.h.69RIADF556h. Accounting and auditing expenses...............................................................................

2.i.53RIADF557i. Consulting and advisory expenses................................................................................

2.j.0RIADF558j. Automated teller machine (ATM) and interchange expenses.........................................

2.k.13RIADF559k. Telecommunications expenses.....................................................................................

2.l.l. Disclose component and the dollar amount of that component:

2.l.1.OREO ExpenseTEXT44641. Describe component...............................................................................................

2.l.2.138RIAD44642. Amount of component.............................................................................................

2.m.m. Disclose component and the dollar amount of that component:

2.m.1.Business TaxesTEXT44671. Describe component...............................................................................................

2.m.2.35RIAD44672. Amount of component.............................................................................................

2.n.n. Disclose component and the dollar amount of that component:

2.n.1.

BusinessInsurance

TEXT44681. Describe component...............................................................................................

2.n.2.55RIAD44682. Amount of component.............................................................................................

3.

3. Extraordinary items and other adjustments and applicable income tax effect (from ScheduleRI, item 11):

3.a.

a. Disclose component, the gross dollar amount of that component, and its related incometax:

3.a.1.NRTEXT44691. Describe component...............................................................................................

3.a.2.0RIAD44692. Amount of component.............................................................................................

3.a.3.0RIAD44863. Applicable income tax effect....................................................................................





3.b.

b. Disclose component, the gross dollar amount of that component, and its related incometax:

3.b.1.NRTEXT44871. Describe component...............................................................................................

3.b.2.0RIAD44872. Amount of component.............................................................................................

3.b.3.0RIAD44883. Applicable income tax effect....................................................................................

3.c.

c. Disclose component, the gross dollar amount of that component, and its related incometax:

3.c.1.NRTEXT44891. Describe component...............................................................................................

3.c.2.0RIAD44892. Amount of component.............................................................................................

3.c.3.0RIAD44913. Applicable income tax effect....................................................................................

4.

4. Cumulative effect of changes in accounting principles and corrections of material accountingerrors (from Schedule RI-A, item 2) (itemize and describe all such effects):

4.a.a. Disclose component and the dollar amount of that component:

4.a.1.NRTEXTB5261. Describe component...............................................................................................

4.a.2.0RIADB5262. Amount of component.............................................................................................

4.b.b. Disclose component and the dollar amount of that component:

4.b.1.NRTEXTB5271. Describe component...............................................................................................

4.b.2.0RIADB5272. Amount of component.............................................................................................

5.

5. Other transactions with stockholders (including a parent holding company) (from ScheduleRI-A, item 11) (itemize and describe all such transactions):







6.

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







7.

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):

7.a.NoRIAD4769a. Comments?..................................................................................................................

7.b.NRTEXT4769b. Other explanations........................................................................................................

Schedule RC - Balance SheetDollar amounts in thousands

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

1.a.771RCON0081a. Noninterest-bearing balances and currency and coin..................................................

1.b.77,176RCON0071b. Interest-bearing balances.............................................................................................

2.2. Securities:

2.a.0RCON1754a. Held-to-maturity securities (from Schedule RC-B, column A).......................................

2.b.1,844RCON1773b. Available-for-sale securities (from Schedule RC-B, column D).....................................

3.3. Federal funds sold and securities purchased under agreements to resell:

3.a.0RCONB987a. Federal funds sold........................................................................................................

3.b.0RCONB989b. Securities purchased under agreements to resell.........................................................

4.4. Loans and lease financing receivables (from Schedule RC-C):





4.a.538RCON5369a. Loans and leases held for sale.....................................................................................

4.b.122,415RCONB528b. Loans and leases, net of unearned income..................................................................

4.c.5,819RCON3123c. LESS: Allowance for loan and lease losses..................................................................

4.d.116,596RCONB529d. Loans and leases, net of unearned income and allowance (item 4.b minus 4.c).........

5.0RCON35455. Trading assets (from Schedule RC-D)................................................................................

6.885RCON21456. Premises and fixed assets (including capitalized leases)...................................................

7.12,559RCON21507. Other real estate owned (from Schedule RC-M)................................................................

8.0RCON21308. Investments in unconsolidated subsidiaries and associated companies............................

9.0RCON36569. Direct and indirect investments in real estate ventures......................................................

10.10. Intangible assets:

10.a.0RCON3163a. Goodwill........................................................................................................................

10.b.419RCON0426b. Other intangible assets (from Schedule RC-M)............................................................

11.5,667RCON216011. Other assets (from Schedule RC-F).................................................................................

12.216,455RCON217012. Total assets (sum of items 1 through 11)..........................................................................

13.13. Deposits:

13.a.165,380RCON2200a. In domestic offices (sum of totals of columns A and C from Schedule RC-E)..............

13.a.1.43,233RCON66311. Noninterest-bearing.................................................................................................

13.a.2.122,147RCON66362. Interest-bearing.......................................................................................................

13.b.b. Not applicable

14.14. Federal funds purchased and securities sold under agreements to repurchase:

14.a.0RCONB993a. Federal funds purchased..............................................................................................

14.b.0RCONB995b. Securities sold under agreements to repurchase.........................................................

15.0RCON354815. Trading liabilities (from Schedule RC-D)...........................................................................

16.2,510RCON3190

16. Other borrowed money (includes mortgage indebtedness and obligations under capitalizedleases) (from Schedule RC-M)...............................................................................................

17.17. Not applicable


19.0RCON320019. Subordinated notes and debentures................................................................................

20.2,899RCON293020. Other liabilities (from Schedule RC-G).............................................................................

21.170,789RCON294821. Total liabilities (sum of items 13 through 20).....................................................................


23.0RCON383823. Perpetual preferred stock and related surplus..................................................................

24.91,598RCON323024. Common stock..................................................................................................................

25.0RCON383925. Surplus (exclude all surplus related to preferred stock)...................................................

26.26. Not available

26.a.-45,970RCON3632a. Retained earnings.........................................................................................................

26.b.38RCONB530b. Accumulated other comprehensive income..................................................................

26.c.0RCONA130c. Other equity capital components..................................................................................


27.a.45,666RCON3210a. Total bank equity capital (sum of items 23 through 26.c)..............................................

27.b.0RCON3000b. Noncontrolling (minority) interests in consolidated subsidiaries...................................

28.45,666RCONG10528. Total equity capital (sum of items 27.a and 27.b).............................................................

29.216,455RCON330029. Total liabilities and equity capital (sum of items 21 and 28)..............................................

M.1.

1RCON67241. Indicate in the box at the right the number of the statement below that best describes themost comprehensive level of auditing work performed for the bank by independent externalauditors as of any date during 2013.......................................................................................

M.2.1231RCON86782. Bank's fiscal year-end date.................................................................................................




Schedule RC-A - Cash and Balances Due From Depository InstitutionsDollar amounts in thousands

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

1.a.0RCON0020a. Cash items in process of collection and unposted debits.............................................

1.b.771RCON0080b. Currency and coin.........................................................................................................

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

2.a.0RCON0083a. U.S. branches and agencies of foreign banks...............................................................

2.b.1,468RCON0085b. Other commercial banks in the U.S. and other depository institutions in the U.S.........

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

3.a.0RCON0073a. Foreign branches of other U.S. banks...........................................................................

3.b.0RCON0074b. Other banks in foreign countries and foreign central banks..........................................

4.75,708RCON00904. Balances due from Federal Reserve Banks.......................................................................

5.77,947RCON00105. Total....................................................................................................................................




Schedule RC-B - Securities(Column D)

Available-for-saleFair Value

(Column C)Available-for-saleAmortized Cost

(Column B)Held-to-maturity

Fair Value

(Column A)Held-to-maturityAmortized CostDollar amounts in thousands

RCON1287RCON1286RCON0213RCON0211

1. U.S. Treasury securities........................................................................................ 1.0000

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


a. Issued by U.S. Government agencies............................................................. 2.a.0000


b. Issued by U.S. Government-sponsored agencies........................................... 2.b.0000


3. Securities issued by states and political subdivisions in the U.S.......................... 3.0000

4. Mortgage-backed securities (MBS): 4.

a. Residential mortgage pass-through securities: 4.a.

RCONG303RCONG302RCONG301RCONG300

1. Guaranteed by GNMA............................................................................... 4.a.1.746800


2. Issued by FNMA and FHLMC.................................................................... 4.a.2.57453800


3. Other pass-through securities................................................................... 4.a.3.0000

b. Other residential mortgage-backed securities (include CMOs, REMICs, andstripped MBS): 4.b.

RCONG315RCONG314RCONG313RCONG3121. Issued or guaranteed by U.S. Government agencies or sponsoredagencies........................................................................................................ 4.b.1.0000

RCONG319RCONG318RCONG317RCONG3162. Collateralized by MBS issued or guaranteed by U.S. Government agenciesor sponsored agencies.................................................................................. 4.b.2.0000


3. All other residential MBS........................................................................... 4.b.3.0000

c. Commercial MBS: 4.c.

1. Commercial mortgage pass-through securities: 4.c.1.

RCONK145RCONK144RCONK143RCONK142

a. Issued or guaranteed by FNMA, FHLMC, or GNMA............................ 4.c.1.a.0000




(Column D)Available-for-sale

Fair Value



Fair Value



b. Other pass-through securities.............................................................. 4.c.1.b.0000

2. Other commercial MBS: 4.c.2.

RCONK153RCONK152RCONK151RCONK150a. Issued or guaranteed by U.S. Government agencies or sponsoredagencies.................................................................................................. 4.c.2.a.0000


b. All other commercial MBS.................................................................... 4.c.2.b.0000

5. Asset-backed securities and structured financial products: 5.

RCONC027RCONC989RCONC988RCONC026

a. Asset-backed securities (ABS)........................................................................ 5.a.0000

b. Structured financial products: 5.b.


1. Cash.......................................................................................................... 5.b.1.0000


2. Synthetic.................................................................................................... 5.b.2.0000


3. Hybrid........................................................................................................ 5.b.3.0000

6. Other debt securities: 6.


a. Other domestic debt securities........................................................................ 6.a.0000


b. Other foreign debt securities........................................................................... 6.b.0000

RCONA511RCONA5107. Investments in mutual funds and other equity securities with readily determinablefair values.................................................................................................................. 7.1,1961,200

RCON1773RCON1772RCON1771RCON17548.Total (sum of items 1 through 7) (total of column A must equal Schedule RC, item2.a) (total of column D must equal Schedule RC, item 2.b)...................................... 8.1,8441,80600




Schedule RC-B - SecuritiesDollar amounts in thousands

M.1.648RCON04161. Pledged securities..............................................................................................................

M.2.2. Maturity and repricing data for debt securities (excluding those in nonaccrual status):

M.2.a.

a. Securities issued by the U.S. Treasury, U.S. Government agencies, and states andpolitical subdivisions in the U.S.; other non-mortgage debt securities; and mortgagepass-through securities other than those backed by closed-end first lien 1-4 familyresidential mortgages with a remaining maturity or next repricing date of:

M.2.a.1.0RCONA5491. Three months or less...............................................................................................

M.2.a.2.0RCONA5502. Over three months through 12 months...................................................................

M.2.a.3.0RCONA5513. Over one year through three years.........................................................................

M.2.a.4.0RCONA5524. Over three years through five years........................................................................

M.2.a.5.0RCONA5535. Over five years through 15 years............................................................................

M.2.a.6.0RCONA5546. Over 15 years..........................................................................................................

M.2.b.

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

M.2.b.1.0RCONA5551. Three months or less...............................................................................................

M.2.b.2.399RCONA5562. Over three months through 12 months...................................................................

M.2.b.3.0RCONA5573. Over one year through three years.........................................................................

M.2.b.4.175RCONA5584. Over three years through five years........................................................................

M.2.b.5.0RCONA5595. Over five years through 15 years............................................................................

M.2.b.6.74RCONA5606. Over 15 years..........................................................................................................

M.2.c.

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

M.2.c.1.0RCONA5611. Three years or less..................................................................................................

M.2.c.2.0RCONA5622. Over three years......................................................................................................

M.2.d.0RCONA248

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

M.3.

0RCON17783. Amortized cost of held-to-maturity securities sold or transferred to available-for-sale ortrading securities during the calendar year-to-date (report the amortized cost at date of saleor transfer)..............................................................................................................................

M.4.

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

M.4.a.0RCON8782a. Amortized cost..............................................................................................................

M.4.b.0RCON8783b. Fair value......................................................................................................................




Schedule RC-B - Securities(Column D)

Available-for-saleFair Value



Fair Value


5. Asset-backed securities (ABS) (for each column, sum of Memorandum items 5.athrough 5.f must equal Schedule RC-B, item 5.a): M.5.

RCONB841RCONB840RCONB839RCONB838

a. Credit card receivables.................................................................................... M.5.a.NRNRNRNR


b. Home equity lines............................................................................................ M.5.b.NRNRNRNR


c. Automobile loans............................................................................................. M.5.c.NRNRNRNR


d. Other consumer loans..................................................................................... M.5.d.NRNRNRNR


e. Commercial and industrial loans..................................................................... M.5.e.NRNRNRNR


f. Other................................................................................................................ M.5.f.NRNRNRNR

6. Structured financial products by underlying collateral or reference assets (foreach column, sum of Memorandum items 6.a through 6.g must equal ScheduleRC-B, sum of items 5.b(1) through(3)): M.6.


a. Trust preferred securities issued by financial institutions................................. M.6.a.0000


b. Trust preferred securities issued by real estate investment trusts................... M.6.b.0000


c. Corporate and similar loans............................................................................ M.6.c.0000

RCONG363RCONG362RCONG361RCONG360d. 1-4 family residential MBS issued or guaranteed by U.S.government-sponsored enterprises (GSEs)....................................................... M.6.d.0000


e. 1-4 family residential MBS not issued or guaranteed by GSEs....................... M.6.e.0000


f. Diversified (mixed) pools of structured financial products................................ M.6.f.0000


g. Other collateral or reference assets................................................................ M.6.g.0000




Schedule RC-C Part I - Loans and Leases(Column B) To Be

Completed by All Banks(Column A) To Be

Completed by Bankswith $300 Million or More

in Total AssetsDollar amounts in thousands

1.1. Loans secured by real estate:

1.a.a. Construction, land development, and other land loans:

1.a.1.3,196RCONF1581. 1-4 family residential construction loans....................................

1.a.2.9,429RCONF159

2. Other construction loans and all land development and otherland loans......................................................................................

1.b.0RCON1420

b. Secured by farmland (including farm residential and otherimprovements).....................................................................................

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

1.c.1.27,520RCON1797

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

1.c.2.2. Closed-end loans secured by 1-4 family residential properties:

1.c.2.a.9,622RCON5367a. Secured by first liens............................................................

1.c.2.b.521RCON5368b. Secured by junior liens.........................................................

1.d.1,850RCON1460d. Secured by multifamily (5 or more) residential properties...............

1.e.e. Secured by nonfarm nonresidential properties:

1.e.1.12,597RCONF160

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

1.e.2.35,483RCONF1612. Loans secured by other nonfarm nonresidential properties.......

2.0RCON12882. Loans to depository institutions and acceptances of other banks.........

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

2.a.1.0RCONB5321. To U.S. branches and agencies of foreign banks.......................

2.a.2.0RCONB5332. To other commercial banks in the U.S.......................................

2.b.0RCONB534b. To other depository institutions in the U.S........................................

2.c.c. To banks in foreign countries:

2.c.1.0RCONB5361. To foreign branches of other U.S. banks....................................

2.c.2.0RCONB5372. To other banks in foreign countries............................................

3.0RCON15903. Loans to finance agricultural production and other loans to farmers.....

4.22,678RCON17664. Commercial and industrial loans...........................................................

4.a.22,678RCON1763a. To U.S. addressees (domicile).........................................................

4.b.0RCON1764b. To non-U.S. addressees (domicile)..................................................

5.5. Not applicable

6.

6. Loans to individuals for household, family, and other personalexpenditures (i.e., consumer loans) (includes purchased paper):

6.a.0RCONB538a. Credit cards.....................................................................................

6.b.0RCONB539b. Other revolving credit plans.............................................................

6.c.0RCONK137c. Automobile loans.............................................................................

6.d.318RCONK207

d. Other consumer loans (includes single payment and installmentloans other than automobile loans and all student loans)...................

7.0RCON2081

7. Loans to foreign governments and official institutions (including foreigncentral banks)...........................................................................................

8.0RCON2107

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

9.9. Loans to nondepository financial institutions and other loans:

9.a.0RCONJ454a. Loans to nondepository financial institutions...................................

9.b.144RCONJ464b. Other loans......................................................................................

9.b.1.0RCON1545

1. Loans for purchasing or carrying securities (secured andunsecured).....................................................................................

9.b.2.144RCONJ4512. All other loans (exclude consumer loans)..................................




(Column B) To BeCompleted by All Banks

(Column A) To BeCompleted by Banks

with $300 Million or Morein Total AssetsDollar amounts in thousands

10.0RCON216510. Lease financing receivables (net of unearned income).......................

10.a.0RCONF162

a. Leases to individuals for household, family, and other personalexpenditures (i.e., consumer leases)..................................................

10.b.0RCONF163b. All other leases................................................................................

11.404RCON212311. LESS: Any unearned income on loans reflected in items 1-9 above...

12.

122,954RCON212212. Total loans and leases, net of unearned income (sum of items 1through 10 minus item 11) (must equal Schedule RC, sum of items 4.aand 4.b).....................................................................................................

Schedule RC-C Part I - Loans and LeasesDollar amounts in thousands

M.1.

1. Loans restructured in troubled debt restructurings that are in compliance with their modifiedterms (included in Schedule RC-C, part 1, and not reported as past due or nonaccrual inSchedule RC-N, Memorandum item 1):

M.1.a.a. Construction, land development, and other land loans:

M.1.a.1.0RCONK1581. 1-4 family residential construction loans.................................................................

M.1.a.2.0RCONK1592. Other construction loans and all land development and other land loans...............

M.1.b.22RCONF576b. Loans secured by 1-4 family residential properties.......................................................

M.1.c.0RCONK160c. Secured by multifamily (5 or more) residential properties.............................................

M.1.d.d. Secured by nonfarm nonresidential properties:

M.1.d.1.0RCONK1611. Loans secured by owner-occupied nonfarm nonresidential properties...................

M.1.d.2.5,478RCONK1622. Loans secured by other nonfarm nonresidential properties....................................

M.1.e.0RCONK256e. Commercial and industrial loans...................................................................................

M.1.e.1.0RCONK1631. To U.S. addressees (domicile).................................................................................

M.1.e.2.0RCONK1642. To non-U.S. addressees (domicile)..........................................................................

M.1.f.0RCONK165

f. All other loans (include loans to individuals for household, family, and other personalexpenditures)....................................................................................................................

M.1.f.1.0RCONK1661. Loans secured by farmland.....................................................................................

M.1.f.2.0RCONK1672. Loans to depository institutions and acceptances of other banks...........................

M.1.f.3.3. Not applicable

M.1.f.4.4. Loans to individuals for household, family, and other personal expenditures:

M.1.f.4.a.0RCONK098a. Credit cards.......................................................................................................

M.1.f.4.b.0RCONK203b. Automobile loans...............................................................................................

M.1.f.4.c.0RCONK204

c. Other (includes revolving credit plans other than credit cards and other consumerloans).....................................................................................................................

M.1.f.5.0RCONK2125. Loans to foreign governments and official institutions.............................................

M.1.f.6.0RCONK2676. Other loans..............................................................................................................

M.1.f.6.a.0RCONK168

a. Loans to finance agricultural production and other loans to farmers included inSchedule RC-C, part I, Memorandum item 1.f.(6), above.....................................

M.2.2. Maturity and repricing data for loans and leases (excluding those in nonaccrual status):

M.2.a.

a. Closed-end loans secured by first liens on 1-4 family residential properties (reportedin Schedule RC-C, part I, item 1.c.(2)(a), column B, above) with a remaining maturity ornext repricing date of:

M.2.a.1.1,039RCONA5641. Three months or less...............................................................................................

M.2.a.2.2,430RCONA5652. Over three months through 12 months...................................................................

M.2.a.3.1,326RCONA5663. Over one year through three years.........................................................................

M.2.a.4.973RCONA5674. Over three years through five years........................................................................

M.2.a.5.419RCONA5685. Over five years through 15 years............................................................................

M.2.a.6.2,164RCONA5696. Over 15 years..........................................................................................................





M.2.b.

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

M.2.b.1.33,899RCONA5701. Three months or less...............................................................................................

M.2.b.2.28,742RCONA5712. Over three months through 12 months...................................................................

M.2.b.3.6,929RCONA5723. Over one year through three years.........................................................................

M.2.b.4.31,938RCONA5734. Over three years through five years........................................................................

M.2.b.5.6,596RCONA5745. Over five years through 15 years............................................................................

M.2.b.6.465RCONA5756. Over 15 years..........................................................................................................

M.2.c.

32,485RCONA247c. 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 nonaccrualstatus)...............................................................................................................................

M.3.0RCON2746

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 B.....

M.4.4,511RCON5370

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

M.5.0RCONB837

5. Loans secured by real estate to non-U.S. addressees (domicile) (included in ScheduleRC-C, part I, items 1.a through 1.e, column B)......................................................................

M.6.0RCONC391

6. Outstanding credit card fees and finance charges included in Schedule RC-C, part I, item6.a..........................................................................................................................................

M.7.

7. Purchased credit-impaired loans held for investment accounted for in accordance withFASB ASC 310-30 (former AICPA Statement of Position 03-3) (exclude loans held for sale):

M.7.a.0RCONC779a. Outstanding balance.....................................................................................................

M.7.b.0RCONC780b. Carrying amount included in Schedule RC-C, part I, items 1 through 9.......................

M.8.

8. Closed-end loans with negative amortization features secured by 1-4 family residentialproperties:

M.8.a.

0RCONF230a.Total carrying amount of closed-end loans with negative amortization features securedby 1-4 family residential properties (included in Schedule RC-C, part I, items 1.c.(2)(a)and 1.c.(2)(b))...................................................................................................................

M.8.b.NRRCONF231

b. Total maximum remaining amount of negative amortization contractually permitted onclosed-end loans secured by 1-4 family residential properties.........................................

M.8.c.

NRRCONF232c. Total amount of negative amortization on closed-end loans secured by 1-4 familyresidential properties included in the carrying amount reported in Memorandum item 8.aabove................................................................................................................................

M.9.9,802RCONF577

9. Loans secured by 1-4 family residential properties in process of foreclosure (included inSchedule RC-C, part I, items 1.c.(1), 1.c.(2)(a), and 1.c.(2)(b)).............................................

M.10.10. Loans measured at fair value (included in Schedule RC-C, part I, items 1 through 9):

M.10.a.a. Loans secured by real estate:

M.10.a.1.NRRCONF5781. Construction, land development, and other land loans...........................................

M.10.a.2.NRRCONF5792. Secured by farmland (including farm residential and other improvements)............

M.10.a.3.3. Secured by 1-4 family residential properties:

M.10.a.3.a.NRRCONF580

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

M.10.a.3.b.b. Closed-end loans secured by 1-4 family residential properties:

M.10.a.3.b.1.NRRCONF5811. Secured by first liens....................................................................................

M.10.a.3.b.2.NRRCONF5822. Secured by junior liens.................................................................................

M.10.a.4.NRRCONF5834. Secured by multifamily (5 or more) residential properties.......................................

M.10.a.5.NRRCONF5845. Secured by nonfarm nonresidential properties.......................................................

M.10.b.NRRCONF585b. Commercial and industrial loans...................................................................................

M.10.c.

c. Loans to individuals for household, family, and other personal expenditures (i.e.,consumer loans) (includes purchased paper):

M.10.c.1.NRRCONF5861. Credit cards.............................................................................................................

M.10.c.2.NRRCONF5872. Other revolving credit plans.....................................................................................





M.10.c.3.NRRCONK1963. Automobile loans.....................................................................................................

M.10.c.4.NRRCONK2084. Other consumer loans.............................................................................................

M.10.d.NRRCONF589d. Other loans...................................................................................................................

M.11.

11. Unpaid principal balance of loans measured at fair value (reported in Schedule RC-C,part I, Memorandum item 10):


M.11.a.1.NRRCONF5901. Construction, and land development, and other land loans....................................











M.11.c.







Schedule RC-C Part I - Loans and Leases(Column C) Best

estimate atacquisition dateof contractualcash flows notexpected to be

collected

(Column B)Gross

contractualamounts

receivable atacquisition date

(Column A) Fairvalue of

acquired loansand leases at

acquisition date

Dollar amounts in thousands12. Loans (not subject to the requirements of FASB ASC 310-30 (formerAICPA Statement of Position 03-3)) and leases held for investmentthat were acquired in business combinations with acquisition dates inthe current calendar year: M.12.

RCONG093RCONG092RCONG091

a. Loans secured by real estate...................................................... M.12.a.000


b. Commercial and industrial loans................................................. M.12.b.000

RCONG099RCONG098RCONG097c. Loans to individuals for household, family, and other personalexpenditures.................................................................................... M.12.c.000


d. All other loans and all leases....................................................... M.12.d.000

Schedule RC-C Part I - Loans and LeasesDollar amounts in thousands

M.13.

13. Construction, land development, and other land loans in domestic offices with interestreserves:





M.13.a.1,650RCONG376

a. Amount of loans that provide for the use of interest reserves (included in ScheduleRC-C, part I, item 1.a, column B).....................................................................................

M.13.b.

0RIADG377b. Amount of interest capitalized from interest reserves on construction, land development,and other land loans that is included in interest and fee income on loans during the quarter(included in Schedule RI, item 1.a.(1)(a)(2))....................................................................

M.14.11,911RCONG37814. Pledged loans and leases................................................................................................

M.15.15. Reverse mortgages:

M.15.a.

a. Reverse mortgages outstanding that are held for investment (included in ScheduleRC-C, item 1.c, above):

M.15.a.1.NRRCONJ4661. Home Equity Conversion Mortgage (HECM) reverse mortgages...........................

M.15.a.2.NRRCONJ4672. Proprietary reverse mortgages...............................................................................

M.15.b.

b. Estimated number of reverse mortgage loan referrals to other lenders during the yearfrom whom compensation has been received for services performed in connection withthe origination of the reverse mortgages:

M.15.b.1.NRRCONJ4681. Home Equity Conversion Mortgage (HECM) reverse mortgages...........................

M.15.b.2.NRRCONJ4692. Proprietary reverse mortgages...............................................................................

M.15.c.c. Principal amount of reverse mortgage originations that have been sold during the year:

M.15.c.1.NRRCONJ4701. Home Equity Conversion Mortgage (HECM) reverse mortgages...........................

M.15.c.2.NRRCONJ4712. Proprietary reverse mortgages...............................................................................

Schedule RC-C Part II - Loans to Small Businesses and Small FarmsDollar amounts in thousands

1.

NoRCON6999

1. Indicate in the appropriate box at the right whether all or substantially all of the dollarvolume of your bank's "Loans secured by nonfarm nonresidential properties" reported inSchedule 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, partI, item 4, have original amounts of $100,000 or less..............................................................

2.

2. Report the total number of loans currently outstanding for each of the following ScheduleRC-C, part I, loan categories:

2.a.NRRCON5562

a. "Loans secured by nonfarm nonresidential properties" reported in Schedule RC-C,part I, items 1.e.(1) and 1.e.(2).........................................................................................

2.b.NRRCON5563b. "Commercial and industrial loans" reported in Schedule RC-C, part I, item 4..............

Schedule RC-C Part II - Loans to Small Businesses and Small Farms(Column B) Amount

Currently Outstanding(Column A) Number of

LoansDollar amounts in thousands

3.

3. Number and amount currently outstanding of "Loans secured by nonfarmnonresidential properties" reported in Schedule RC-C, part I, items 1.e.(1)and 1.e.(2):

3.a.0RCON55650RCON5564a. With original amounts of $100,000 or less......................................

3.b.0RCON55670RCON5566b. With original amounts of more than $100,000 through $250,000.....

3.c.2,133RCON55693RCON5568c. With original amounts of more than $250,000 through $1,000,000..

4.

4. Number and amount currently outstanding of "Commercial and industrialloans" reported in Schedule RC-C, part I, item 4:

4.a.1,386RCON557184RCON5570a. With original amounts of $100,000 or less......................................


4.c.6,254RCON557519RCON5574c. With original amounts of more than $250,000 through $1,000,000..




Schedule RC-C Part II - Loans to Small Businesses and Small FarmsDollar amounts in thousands

5.

NoRCON6860

5. Indicate in the appropriate box at the right whether all or substantially all of the dollarvolume 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 all ofthe dollar volume of your bank's "Loans to finance agricultural production and other loansto farmers" reported in Schedule RC-C, part I, item 3, have original amounts of $100,000 orless.........................................................................................................................................

6.

6. Report the total number of loans currently outstanding for each of the following ScheduleRC-C, part I, loan categories:

6.a.NRRCON5576

a. "Loans secured by farmland (including farm residential and other improvements)"reported in Schedule RC-C, part I, item 1.b.....................................................................

6.b.NRRCON5577

b. "Loans to finance agricultural production and other loans to farmers" reported inSchedule RC-C, part I, item 3...........................................................................................

Schedule RC-C Part II - Loans to Small Businesses and Small Farms(Column B) Amount

Currently Outstanding(Column A) Number of

LoansDollar amounts in thousands

7.

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:



7.c.0RCON55830RCON5582c. With original amounts of more than $250,000 through $500,000.....

8.

8. Number and amount currently outstanding of "Loans to financeagricultural production and other loans to farmers" reported in ScheduleRC-C, part I, item 3:



8.c.0RCON55890RCON5588c. With original amounts of more than $250,000 through $500,000.....

Schedule RC-D - Trading Assets and LiabilitiesDollar amounts in thousands

1.NRRCON35311. U.S. Treasury securities......................................................................................................

2.NRRCON35322. U.S. Government agency obligations (exclude mortgage-backed securities).....................

3.NRRCON35333. Securities issued by states and political subdivisions in the U.S........................................

4.4. Mortgage-backed securities (MBS):

4.a.NRRCONG379

a. Residential mortgage pass-through securities issued or guaranteed by FNMA, FHLMC,or GNMA...........................................................................................................................

4.b.NRRCONG380

b. Other residential MBS issued or guaranteed by U.S. Government agencies or sponsoredagencies (include CMOs, REMICs, and stripped MBS)...................................................

4.c.NRRCONG381c. All other residential MBS...............................................................................................

4.d.NRRCONK197

d. Commercial MBS issued or guaranteed by U.S. Government agencies or sponsoredagencies...........................................................................................................................

4.e.NRRCONK198e. All other commercial MBS.............................................................................................

5.5. Other debt securities:

5.a.a. Structured financial products:

5.a.1.NRRCONG3831. Cash........................................................................................................................

5.a.2.NRRCONG3842. Synthetic.................................................................................................................

5.a.3.NRRCONG3853. Hybrid......................................................................................................................

5.b.NRRCONG386b. All other debt securities.................................................................................................

6.6. Loans:





6.a.a. Loans secured by real estate:

6.a.1.NRRCONF6041. Construction, land development, and other land loans...........................................

6.a.2.NRRCONF6052. Secured by farmland (including farm residential and other improvements)............

6.a.3.3. Secured by 1-4 family residential properties:

6.a.3.a.NRRCONF606


6.a.3.b.b. Closed-end loans secured by 1-4 family residential properties:

6.a.3.b.1.NRRCONF6071. Secured by first liens....................................................................................

6.a.3.b.2.NRRCONF6112. Secured by junior liens.................................................................................

6.a.4.NRRCONF6124. Secured by multifamily (5 or more) residential properties.......................................

6.a.5.NRRCONF6135. Secured by nonfarm nonresidential properties.......................................................

6.b.NRRCONF614b. Commercial and industrial loans...................................................................................

6.c.


6.c.1.NRRCONF6151. Credit cards.............................................................................................................

6.c.2.NRRCONF6162. Other revolving credit plans.....................................................................................

6.c.3.NRRCONK1993. Automobile loans.....................................................................................................

6.c.4.NRRCONK2104. Other consumer loans.............................................................................................

6.d.NRRCONF618d. Other loans...................................................................................................................

7.7. Not applicable

8.8. Not applicable

9.NRRCON35419. Other trading assets...........................................................................................................


11.0RCON354311. Derivatives with a positive fair value.................................................................................

12.0RCON354512. Total trading assets (sum of items 1 through 11) (must equal Schedule RC, item 5).......


13.a.NRRCON3546a. Liability for short positions ...........................................................................................

13.b.NRRCONF624b. Other trading liabilities..................................................................................................

14.0RCON354714. Derivatives with a negative fair value................................................................................

15.0RCON3548

15. Total trading liabilities (sum of items 13.a through 14) (must equal Schedule RC, item15)..........................................................................................................................................

M.1.

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


M.1.a.1.NRRCONF6251. Construction, land development, and other land loans...........................................











M.1.c.











M.2.2. Loans measured at fair value that are past due 90 days or more:

M.2.a.NRRCONF639a. Fair value......................................................................................................................

M.2.b.NRRCONF640b. Unpaid principal balance...............................................................................................

M.3.

3. Structured financial products by underlying collateral or reference assets (sum ofMemorandum items 3.a through 3.g must equal Schedule RC-D, sum of items 5.a.(1) through(3)):

M.3.a.NRRCONG299a. Trust preferred securities issued by financial institutions..............................................

M.3.b.NRRCONG332b. Trust preferred securities issued by real estate investment trusts.................................

M.3.c.NRRCONG333c. Corporate and similar loans..........................................................................................

M.3.d.NRRCONG334

d. 1-4 family residential MBS issued or guaranteed by U.S. government-sponsoredenterprises (GSEs)...........................................................................................................

M.3.e.NRRCONG335e. 1-4 family residential MBS not issued or guaranteed by GSEs....................................

M.3.f.NRRCONG651f. Diversified (mixed) pools of structured financial products..............................................

M.3.g.NRRCONG652g. Other collateral or reference assets..............................................................................

M.4.4. Pledged trading assets:

M.4.a.NRRCONG387a. Pledged securities........................................................................................................

M.4.b.NRRCONG388b. Pledged loans...............................................................................................................

M.5.5. Asset-backed securities:

M.5.a.NRRCONF643a. Credit card receivables.................................................................................................

M.5.b.NRRCONF644b. Home equity lines.........................................................................................................

M.5.c.NRRCONF645c. Automobile loans...........................................................................................................

M.5.d.NRRCONF646d. Other consumer loans..................................................................................................

M.5.e.NRRCONF647e. Commercial and industrial loans...................................................................................

M.5.f.NRRCONF648f. Other..............................................................................................................................

M.6.NRRCONF6516. Retained beneficial interests in securitizations (first-loss or equity tranches)....................

M.7.7. Equity securities (included in Schedule RC-D, item 9, above):

M.7.a.NRRCONF652a. Readily determinable fair values...................................................................................

M.7.b.NRRCONF653b. Other.............................................................................................................................

M.8.NRRCONF6548. Loans pending securitization..............................................................................................

M.9.

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

M.9.a.a. Disclose component and the dollar amount of that component:

M.9.a.1.NRTEXTF6551. Describe component...............................................................................................

M.9.a.2.NRRCONF6552. Amount of component.............................................................................................

M.9.b.b. Disclose component and the dollar amount of that component:

M.9.b.1.NRTEXTF6561. Describe component...............................................................................................

M.9.b.2.NRRCONF6562. Amount of component.............................................................................................

M.9.c.c. Disclose component and the dollar amount of that component:

M.9.c.1.NRTEXTF6571. Describe component...............................................................................................

M.9.c.2.NRRCONF6572. Amount of component.............................................................................................

M.10.

10. Other trading liabilities (itemize and describe amounts included in Schedule RC-D, item13.b, that are greater than $25,000 and exceed 25% of the item):

M.10.a.a. Disclose component and the dollar amount of that component:

M.10.a.1.NRTEXTF6581. Describe component...............................................................................................

M.10.a.2.NRRCONF6582. Amount of component.............................................................................................

M.10.b.b. Disclose component and the dollar amount of that component:

M.10.b.1.NRTEXTF6591. Describe component...............................................................................................

M.10.b.2.NRRCONF6592. Amount of component.............................................................................................


M.10.c.1.NRTEXTF6601. Describe component...............................................................................................

M.10.c.2.NRRCONF6602. Amount of component.............................................................................................




Schedule RC-E - Deposit Liabilities(Column C)

NontransactionAccounts Totalnontransaction

accounts(includingMMDAs)

(Column B)Transaction

Accounts Memo:Total demand

deposits(included incolumn A)

(Column A)Transaction

Accounts Totaltransactionaccounts

(including totaldemand

deposits)Dollar amounts in thousands

Deposits of:RCONB550RCONB5491. Individuals, partnerships, and corporations (include all certified and

official checks)...................................................................................... 1.121,45343,233

RCON2520RCON2202

2. U.S. Government............................................................................... 2.00

RCON2530RCON2203

3. States and political subdivisions in the U.S....................................... 3.00

RCONB552RCONB551

4. Commercial banks and other depository institutions in the U.S........ 4.6940

RCON2236RCON2213

5. Banks in foreign countries................................................................. 5.00

RCON2377RCON22166. Foreign governments and official institutions (including foreign centralbanks)................................................................................................... 6.00

RCON2385RCON2210RCON22157. Total (sum of items 1 through 6) (sum of columns A and C mustequal Schedule RC, item 13.a)............................................................. 7.122,14737,04543,233

Schedule RC-E - Deposit LiabilitiesDollar amounts in thousands

M.1.1. Selected components of total deposits (i.e., sum of item 7, columns A and C):

M.1.a.4,447RCON6835a. Total Individual Retirement Accounts (IRAs) and Keogh Plan accounts.......................

M.1.b.0RCON2365b. Total brokered deposits.................................................................................................

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

M.1.c.1.0RCON23431. Brokered deposits of less than $100,000................................................................

M.1.c.2.0RCONJ472

2. Brokered deposits of $100,000 through $250,000 and certain brokered retirementdeposit accounts.........................................................................................................

M.1.d.d. Maturity data for brokered deposits:

M.1.d.1.0RCONA243

1. Brokered deposits of less than $100,000 with a remaining maturity of one year orless (included in Memorandum item 1.c.(1) above)....................................................

M.1.d.2.0RCONK219

2. Brokered deposits of $100,000 through $250,000 with a remaining maturity of oneyear or less (included in Memorandum item 1.c.(2) above)........................................

M.1.d.3.0RCONK220

3. Brokered deposits of more than $250,000 with a remaining maturity of one yearor less (included in Memorandum item 1.b above).....................................................

M.1.e.

NRRCON5590e. Preferred deposits (uninsured deposits of states and political subdivisions in the U.S.reported in item 3 above which are secured or collateralized as required under state law)(to be completed for the December report only)...............................................................

M.1.f.694RCONK223

f. Estimated amount of deposits obtained through the use of deposit listing services thatare not brokered deposits.................................................................................................

M.2.

2. Components of total nontransaction accounts (sum of Memorandum items 2.a through2.d must equal item 7, column C above):

M.2.a.a. Savings deposits:

M.2.a.1.49,574RCON68101. Money market deposit accounts (MMDAs).............................................................

M.2.a.2.26,825RCON03522. Other savings deposits (excludes MMDAs).............................................................

M.2.b.19,624RCON6648b. Total time deposits of less than $100,000.....................................................................





M.2.c.18,408RCONJ473c. Total time deposits of $100,000 through $250,000.......................................................

M.2.d.7,716RCONJ474d. Total time deposits of more than $250,000...................................................................

M.2.e.2,056RCONF233

e. Individual Retirement Accounts (IRAs) and Keogh Plan accounts of $100,000 or moreincluded in Memorandum items 2.c and 2.d above..........................................................

M.3.3. Maturity and repricing data for time deposits of less than $100,000:

M.3.a.

a. Time deposits of less than $100,000 with a remaining maturity or next repricing dateof:




M.3.a.4.682RCONA5824. Over three years......................................................................................................

M.3.b.13,620RCONA241

b. Time deposits of less than $100,000 with a REMAINING MATURITY of one year orless (included in Memorandum items 3.a.(1) and 3.a.(2) above).....................................

M.4.4. Maturity and repricing data for time deposits of $100,000 or more:

M.4.a.

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




M.4.a.4.2,324RCONA5874. Over three years......................................................................................................

M.4.b.11,551RCONK221

b. Time deposits of $100,000 through $250,000 with a REMAINING MATURITY of oneyear or less (included in Memorandum items 4.a.(1) and 4.a.(2) above).........................

M.4.c.6,042RCONK222

c. Time deposits of more than $250,000 with a REMAINING MATURITY of one year orless (included in Memorandum items 4.a.(1) and 4.a.(2) above).....................................

M.5.

NoRCONP7525. Does your institution offer one or more consumer deposit account products, i.e., transactionaccount or nontransaction savings account deposit products intended primarily for individualsfor personal, household, or family use?..................................................................................

M.6.

6. Components of total transaction account deposits of individuals, partnerships, andcorporations (sum of Memorandum items 6.a, 6.b, and 6.c must equal item 1, column A,above):

M.6.a.NRRCONP753

a. Total deposits in those noninterest-bearing transaction account deposit productsintended primarily for individuals for personal, household, or family use.........................

M.6.b.NRRCONP754

b.Total deposits in those interest-bearing transaction account deposit products intendedprimarily for individuals for personal, household, or family use........................................

M.6.c.NRRCONP755

c. Total deposits in all other transaction accounts of individuals, partnerships, andcorporations......................................................................................................................

M.7.

7. Components of total nontransaction account deposits of individuals, partnerships, andcorporations (sum of Memorandum items 7.a.(1), 7.a.(2), 7.b.(1), and 7.b.(2) plus all timedeposits of individuals, partnerships, and corporations must equal item 1, column C, above):

M.7.a.

a. Money market deposit accounts (MMDAs) of individuals, partnerships, and corporations(sum of Memorandum items 7.a.(1) and 7.a.(2) must be less than or equal to Memorandumitem 2.a.(1) above):

M.7.a.1.NRRCONP756

1. Total deposits in those MMDA deposit products intended primarily for individualsfor personal, household, or family use........................................................................

M.7.a.2.NRRCONP7572. Deposits in all other MMDAs of individuals, partnerships, and corporations..........

M.7.b.

b. Other savings deposit accounts of individuals, partnerships, and corporations (sum ofMemorandum items 7.b.(1) and 7.b.(2) must be less than or equal to Memorandum item2.a.(2) above):

M.7.b.1.NRRCONP758

1. Total deposits in those other savings deposit account deposit products intendedprimarily for individuals for personal, household, or family use...................................

M.7.b.2.NRRCONP759

2. Deposits in all other savings deposit accounts of individuals, partnerships, andcorporations................................................................................................................




Schedule RC-F - Other AssetsDollar amounts in thousands

1.434RCONB5561. Accrued interest receivable................................................................................................

2.0RCON21482. Net deferred tax assets......................................................................................................

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

3.a.0RCONA519a. Mortgage loans.............................................................................................................

3.b.0RCONA520b. Other financial assets...................................................................................................

4.4,644RCON17524. Equity securities that DO NOT have readily determinable fair values................................

5.5. Life insurance assets:

5.a.0RCONK201a. General account life insurance assets..........................................................................

5.b.0RCONK202b. Separate account life insurance assets........................................................................

5.c.0RCONK270c. Hybrid account life insurance assets.............................................................................

6.589RCON2168

6. All other assets (itemize and describe amounts greater than $25,000 that exceed 25% ofthis item).................................................................................................................................

6.a.502RCON2166a. Prepaid expenses.........................................................................................................

6.b.0RCON1578b. Repossessed personal property (including vehicles)....................................................

6.c.0RCONC010c. Derivatives with a positive fair value held for purposes other than trading....................

6.d.0RCONC436d. Retained interests in accrued interest receivable related to securitized credit cards....

6.e.0RCONJ448e. FDIC loss-sharing indemnification assets.....................................................................

6.f.f. Not applicable

6.g.g. Disclose component and the dollar amount of that component:

6.g.1.NRTEXT35491. Describe component...............................................................................................

6.g.2.0RCON35492. Amount of component.............................................................................................

6.h.h. Disclose component and the dollar amount of that component:

6.h.1.NRTEXT35501. Describe component...............................................................................................

6.h.2.0RCON35502. Amount of component.............................................................................................

6.i.i. Disclose component and the dollar amount of that component:

6.i.1.NRTEXT35511. Describe component...............................................................................................

6.i.2.0RCON35512. Amount of component.............................................................................................

7.5,667RCON21607. Total (sum of items 1 through 6) (must equal Schedule RC, item 11)................................

Schedule RC-G - Other LiabilitiesDollar amounts in thousands

1.1. Not available

1.a.46RCON3645a. Interest accrued and unpaid on deposits......................................................................

1.b.1,593RCON3646b. Other expenses accrued and unpaid (includes accrued income taxes payable)..........

2.0RCON30492. Net deferred tax liabilities...................................................................................................

3.0RCONB5573. Allowance for credit losses on off-balance sheet credit exposures....................................

4.1,260RCON2938

4. All other liabilities (itemize and describe amounts greater than $25,000 that exceed 25percent of this item)................................................................................................................

4.a.389RCON3066a. Accounts payable..........................................................................................................

4.b.0RCONC011b. Deferred compensation liabilities..................................................................................

4.c.0RCON2932c. Dividends declared but not yet payable........................................................................

4.d.0RCONC012d. Derivatives with a negative fair value held for purposes other than trading..................

4.e.e. Disclose component and the dollar amount of that component:

4.e.1.

Click here forvalue

TEXT35521. Describe component...............................................................................................

4.e.2.759RCON35522. Amount of component.............................................................................................

4.f.f. Disclose component and the dollar amount of that component:

4.f.1.NRTEXT35531. Describe component...............................................................................................

4.f.2.0RCON35532. Amount of component.............................................................................................





4.g.g. Disclose component and the dollar amount of that component:

4.g.1.NRTEXT35541. Describe component...............................................................................................

4.g.2.0RCON35542. Amount of component.............................................................................................

5.2,899RCON29305. Total....................................................................................................................................

(TEXT3552) Representation and warranty reserves

Schedule RC-K - Quarterly AveragesDollar amounts in thousands

1.83,145RCON33811. Interest-bearing balances due from depository institutions................................................

2.0RCONB558

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

3.602RCONB5593. Mortgage-backed securities...............................................................................................

4.1,274RCONB560

4. All other securities (includes securities issued by states and political subdivisions in theU.S.).......................................................................................................................................

5.0RCON33655. Federal funds sold and securities purchased under agreements to resell.........................

6.6. Loans:

6.a.134,648RCON3360a. Total loans.....................................................................................................................

6.b.b. Loans secured by real estate:

6.b.1.37,805RCON34651. Loans secured by 1-4 family residential properties.................................................

6.b.2.70,128RCON34662. All other loans secured by real estate.....................................................................

6.c.26,231RCON3387c. Commercial and industrial loans...................................................................................

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

6.d.1.0RCONB5611. Credit cards.............................................................................................................

6.d.2.322RCONB562

2. Other (includes revolving credit plans other than credit cards, automobile loans,and other consumer loans).........................................................................................

7.0RCON34017. Trading assets.....................................................................................................................

8.0RCON34848. Lease financing receivables (net of unearned income)......................................................

9.233,865RCON33689. Total assets.........................................................................................................................

10.8,444RCON3485

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

11.11. Nontransaction accounts:

11.a.80,440RCONB563a. Savings deposits (includes MMDAs)............................................................................

11.b.32,410RCONA514b. Time deposits of $100,000 or more..............................................................................

11.c.26,627RCONA529c. Time deposits of less than $100,000............................................................................

12.0RCON335312. Federal funds purchased and securities sold under agreements to repurchase..............

13.2,510RCON3355

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

M.1.0RCON33861. Loans to finance agricultural production and other loans to farmers .................................

Schedule RC-L - Derivatives and Off-Balance Sheet ItemsDollar amounts in thousands

1.1. Unused commitments:

1.a.1,698RCON3814

a. Revolving, open-end lines secured by 1-4 family residential properties, i.e., homeequity lines........................................................................................................................

1.a.1.NRRCONJ477

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

1.a.2.NRRCONJ478

2. Unused commitments for proprietary reverse mortgages outstanding that are heldfor investment (included in item 1.a above).................................................................

1.b.0RCON3815b. Credit card lines (Sum of items 1.b.(1) and 1.b.(2) must equal item 1.b)......................





1.b.1.0RCONJ4551. Unused consumer credit card lines.........................................................................

1.b.2.0RCONJ4562. Other unused credit card lines................................................................................

1.c.

c. Commitments to fund commercial real estate, construction, and land developmentloans:

1.c.1.1. Secured by real estate:

1.c.1.a.4,188RCONF164a. 1-4 family residential construction loan commitments.......................................

1.c.1.b.1,188RCONF165

b. Commercial real estate, other construction loan, and land development loancommitments.........................................................................................................

1.c.2.0RCON65502. Not secured by real estate......................................................................................

1.d.0RCON3817d. Securities underwriting.................................................................................................

1.e.e. Other unused commitments:

1.e.1.27,088RCONJ4571. Commercial and industrial loans.............................................................................

1.e.2.0RCONJ4582. Loans to financial institutions..................................................................................

1.e.3.68RCONJ4593. All other unused commitments................................................................................

2.0RCON38192. Financial standby letters of credit.......................................................................................

2.a.NRRCON3820a. Amount of financial standby letters of credit conveyed to others..................................

3.0RCON38213. Performance standby letters of credit.................................................................................

3.a.NRRCON3822a. Amount of performance standby letters of credit conveyed to others...........................

4.0RCON34114. Commercial and similar letters of credit.............................................................................

5.5. Not applicable

6.0RCON3433

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

Schedule RC-L - Derivatives and Off-Balance Sheet Items(Column B) Purchased

Protection(Column A) Sold

ProtectionDollar amounts in thousands

7.7. Credit derivatives:

7.a.a. Notional amounts:

7.a.1.0RCONC9690RCONC9681. Credit default swaps..................................................................

7.a.2.0RCONC9710RCONC9702. Total return swaps......................................................................

7.a.3.0RCONC9730RCONC9723. Credit options.............................................................................

7.a.4.0RCONC9750RCONC9744. Other credit derivatives..............................................................

7.b.b. Gross fair values:

7.b.1.0RCONC2210RCONC2191. Gross positive fair value.............................................................

7.b.2.0RCONC2220RCONC2202. Gross negative fair value...........................................................


7.c.c. Notional amounts by regulatory capital treatment:

7.c.1.1. Positions covered under the Market Risk Rule:

7.c.1.a.0RCONG401a. Sold protection........................................................................................................

7.c.1.b.0RCONG402b. Purchased protection..............................................................................................

7.c.2.2. All other positions:

7.c.2.a.0RCONG403a. Sold protection........................................................................................................

7.c.2.b.0RCONG404

b. Purchased protection that is recognized as a guarantee for regulatory capitalpurposes.....................................................................................................................

7.c.2.c.0RCONG405

c. Purchased protection that is not recognized as a guarantee for regulatory capitalpurposes.....................................................................................................................




Schedule RC-L - Derivatives and Off-Balance Sheet Items(Column C)Remaining

Maturity of OverFive Years

(Column B)Remaining

Maturity of OverOne Year

Through FiveYears

(Column A)Remaining

Maturity of OneYear or Less


d. Notional amounts by remaining maturity: 7.d.

1. Sold credit protection: 7.d.1.


a. Investment grade................................................................... 7.d.1.a.000


b. Subinvestment grade............................................................. 7.d.1.b.000

2. Purchased credit protection: 7.d.2.


a. Investment grade................................................................... 7.d.2.a.000


b. Subinvestment grade............................................................. 7.d.2.b.000


8.0RCON87658. Spot foreign exchange contracts........................................................................................

9.0RCON3430

9. All other off-balance sheet liabilities (exclude derivatives) (itemize and describe eachcomponent of this item over 25% of Schedule RC, item 27.a, "Total bank equity capital").....

9.a.0RCON3432a. Securities borrowed......................................................................................................

9.b.0RCON3434b. Commitments to purchase when-issued securities.......................................................

9.c.0RCONC978c. Standby letters of credit issued by a Federal Home Loan Bank on the bank's behalf...

9.d.d. Disclose component and the dollar amount of that component:

9.d.1.NRTEXT35551. Describe component...............................................................................................

9.d.2.0RCON35552. Amount of component.............................................................................................


9.e.1.NRTEXT35561. Describe component...............................................................................................


9.f.f. Disclose component and the dollar amount of that component:

9.f.1.NRTEXT35571. Describe component...............................................................................................

9.f.2.0RCON35572. Amount of component.............................................................................................

10.0RCON5591

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

10.a.0RCON3435a. Commitments to sell when-issued securities................................................................



10.b.2.0RCON55922. Amount of component.............................................................................................

10.c.c. Disclose component and the dollar amount of that component:

10.c.1.NRTEXT55931. Describe component...............................................................................................

10.c.2.0RCON55932. Amount of component.............................................................................................

10.d.d. Disclose component and the dollar amount of that component:

10.d.1.NRTEXT55941. Describe component...............................................................................................

10.d.2.0RCON55942. Amount of component.............................................................................................






10.e.1.NRTEXT55951. Describe component...............................................................................................


11.11.Year-to-date merchant credit card sales volume:

11.a.0RCONC223a. Sales for which the reporting bank is the acquiring bank.............................................

11.b.0RCONC224b. Sales for which the reporting bank is the agent bank with risk.....................................




Schedule RC-L - Derivatives and Off-Balance Sheet Items(Column D)

Commodity andOther Contracts

(Column C) EquityDerivativeContracts

(Column B) ForeignExchangeContracts

(Column A) InterestRate Contracts


12. Gross amounts (e.g., notional amounts): 12.


a. Futures contracts............................................................................................. 12.a.0000


b. Forward contracts............................................................................................ 12.b.000538

c. Exchange-traded option contracts: 12.c.


1. Written options........................................................................................... 12.c.1.0000


2. Purchased options..................................................................................... 12.c.2.0000

d. Over-the-counter option contracts: 12.d.


1. Written options........................................................................................... 12.d.1.0000


2. Purchased options..................................................................................... 12.d.2.0000


e. Swaps.............................................................................................................. 12.e.0000

RCON8724RCON8723RCONA127RCONA126

13. Total gross notional amount of derivative contracts held for trading.................... 13.0000

RCON8728RCON8727RCON8726RCON872514. Total gross notional amount of derivative contracts held for purposes other thantrading....................................................................................................................... 14.000538

RCONA589

a. Interest rate swaps where the bank has agreed to pay a fixed rate................ 14.a.0

15. Gross fair values of derivative contracts: 15.

a. Contracts held for trading: 15.a.


1. Gross positive fair value............................................................................. 15.a.1.0000


2. Gross negative fair value........................................................................... 15.a.2.0000




(Column D)Commodity andOther Contracts

(Column C) EquityDerivativeContracts

(Column B) ForeignExchangeContracts

(Column A) InterestRate Contracts


b. Contracts held for purposes other than trading: 15.b.


1. Gross positive fair value............................................................................. 15.b.1.0000


2. Gross negative fair value........................................................................... 15.b.2.0000

Schedule RC-L - Derivatives and Off-Balance Sheet Items(Column E)

Corporations andAll Other

Counterparties

(Column D)Sovereign

Governments

(Column C)Hedge Funds

(Column B)MonolineFinancial

Guarantors

(Column A)Banks and

Securities FirmsDollar amounts in thousands

16. Over-the counter derivatives: 16.

RCONG422RCONG421RCONG420RCONG419RCONG418

a. Net current credit exposure............................................................... 16.a.NRNRNRNRNR

b. Fair value of collateral: 16.b.


1. Cash - U.S. dollar......................................................................... 16.b.1.NRNRNRNRNR


2. Cash - Other currencies.............................................................. 16.b.2.NRNRNRNRNR


3. U.S. Treasury securities............................................................... 16.b.3.NRNRNRNRNR

RCONG442RCONG441RCONG440RCONG439RCONG4384. U.S. Government agency and U.S. Government-sponsoredagency debt securities.................................................................... 16.b.4.NRNRNRNRNR


5. Corporate bonds.......................................................................... 16.b.5.NRNRNRNRNR


6. Equity securities.......................................................................... 16.b.6.NRNRNRNRNR


7. All other collateral........................................................................ 16.b.7.NRNRNRNRNR


8. Total fair value of collateral (sum of items 16.b.(1) through (7)).... 16.b.8.NRNRNRNRNR




Schedule RC-M - MemorandaDollar amounts in thousands

1.

1. Extensions of credit by the reporting bank to its executive officers, directors, principalshareholders, and their related interests as of the report date:

1.a.4,000RCON6164

a. Aggregate amount of all extensions of credit to all executive officers, directors, principalshareholders, and their related interests..........................................................................

1.b.

1RCON6165

b. Number of executive officers, directors, and principal shareholders to whom the amountof all extensions of credit by the reporting bank (including extensions of credit to relatedinterests) equals or exceeds the lesser of $500,000 or 5 percent of total capital as definedfor this purpose in agency regulations..............................................................................

2.2. Intangible assets other than goodwill:

2.a.389RCON3164a. Mortgage servicing assets............................................................................................

2.a.1.556RCONA5901. Estimated fair value of mortgage servicing assets..................................................

2.b.0RCONB026b. Purchased credit card relationships and nonmortgage servicing assets......................

2.c.30RCON5507c. All other identifiable intangible assets...........................................................................

2.d.419RCON0426d. Total (sum of items 2.a, 2.b, and 2.c) (must equal Schedule RC, item 10.b)................

3.3. Other real estate owned:

3.a.4,027RCON5508a. Construction, land development, and other land..........................................................

3.b.0RCON5509b. Farmland.......................................................................................................................

3.c.3,802RCON5510c. 1-4 family residential properties....................................................................................

3.d.0RCON5511d. Multifamily (5 or more) residential properties................................................................

3.e.4,730RCON5512e. Nonfarm nonresidential properties................................................................................

3.f.0RCONC979f. Foreclosed properties from "GNMA loans"....................................................................

3.g.12,559RCON2150g. Total (sum of items 3.a through 3.f) (must equal Schedule RC, item 7)........................

4.4. Not applicable

5.5. Other borrowed money:

5.a.a. Federal Home Loan Bank advances:

5.a.1.1. Advances with a remaining maturity or next repricing date of:

5.a.1.a.0RCONF055a. One year or less................................................................................................

5.a.1.b.2,510RCONF056b. Over one year through three years....................................................................

5.a.1.c.0RCONF057c. Over three years through five years...................................................................

5.a.1.d.0RCONF058d. Over five years...................................................................................................

5.a.2.0RCON2651

2. Advances with a remaining maturity of one year or less (included in item 5.a.(1)(a)above).........................................................................................................................

5.a.3.0RCONF0593. Structured advances (included in items 5.a.(1)(a) - (d) above)...............................

5.b.b. Other borrowings:

5.b.1.1. Other borrowings with a remaining maturity of next repricing date of:

5.b.1.a.0RCONF060a. One year or less................................................................................................

5.b.1.b.0RCONF061b. Over one year through three years....................................................................

5.b.1.c.0RCONF062c. Over three years through five years...................................................................

5.b.1.d.0RCONF063d. Over five years...................................................................................................

5.b.2.0RCONB571

2. Other borrowings with a remaining maturity of one year or less (included in item5.b.(1)(a) above).........................................................................................................

5.c.2,510RCON3190

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

6.NoRCONB5696. Does the reporting bank sell private label or third party mutual funds and annuities?.......

7.0RCONB5707. Assets under the reporting bank's management in proprietary mutual funds and annuities.

8.8. Internet Web site addresses and physical office trade names:

8.a.

Click here forvalue

TEXT4087a. Uniform Resource Locator (URL) of the reporting institution's primary Internet Website (home page), if any (Example: www.examplebank.com):..........................................

8.b.

b. URLs of all other public-facing Internet Web sites that the reporting institution uses toaccept or solicit deposits from the public, if any (Example: www.examplebank.biz):

8.b.1.NRTE01N5281. URL 1......................................................................................................................





8.b.2.NRTE02N5282. URL 2......................................................................................................................

8.b.3.NRTE03N5283. URL 3......................................................................................................................

8.b.4.NRTE04N5284. URL 4......................................................................................................................

8.b.5.NRTE05N5285. URL 5......................................................................................................................

8.b.6.NRTE06N5286. URL 6......................................................................................................................

8.b.7.NRTE07N5287. URL 7......................................................................................................................

8.b.8.NRTE08N5288. URL 8......................................................................................................................

8.b.9.NRTE09N5289. URL 9......................................................................................................................

8.b.10.NRTE10N52810. URL 10..................................................................................................................

8.c.

c. Trade names other than the reporting institution's legal title used to identify one ormore of the institution's physical offices at which deposits are accepted or solicited fromthe public, if any:

8.c.1.NRTE01N5291. Trade name 1..........................................................................................................






9.YesRCON4088

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

10.10. Secured liabilities:

10.a.0RCONF064

a. Amount of "Federal funds purchased" that are secured (included in Schedule RC, item14.a).................................................................................................................................

10.b.0RCONF065

b. Amount of "Other borrowings" that are secured (included in Schedule RC-M, items5.b.(1)(a) - (d))..................................................................................................................

11.YesRCONG463

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

12.NoRCONG464

12. Does the bank provide custody, safekeeping, or other services involving the acceptanceof orders for the sale or purchase of securities?....................................................................

13.13. Assets covered by loss-sharing agreements with the FDIC:

13.a.a. Loans and leases (included in Schedule RC, items 4.a and 4.b):

13.a.1.1. Loans secured by real estate:

13.a.1.a.a. Construction, land development, and other land loans:

13.a.1.a.1.0RCONK1691. 1-4 family residential construction loans......................................................

13.a.1.a.2.0RCONK1702. Other construction loans and all land development and other land loans....

13.a.1.b.0RCONK171b. Secured by farmland..........................................................................................

13.a.1.c.c. Secured by 1-4 family residential properties:

13.a.1.c.1.0RCONK172

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

13.a.1.c.2.2. Closed-end loans secured by 1-4 family residential properties:

13.a.1.c.2.a.0RCONK173a. Secured by first liens..............................................................................

13.a.1.c.2.b.0RCONK174b. Secured by junior liens...........................................................................

13.a.1.d.0RCONK175d. Secured by multifamily (5 or more) residential properties.................................

13.a.1.e.e. Secured by nonfarm nonresidential properties:

13.a.1.e.1.0RCONK1761. Loans secured by owner-occupied nonfarm nonresidential properties.......

13.a.1.e.2.0RCONK1772. Loans secured by other nonfarm nonresidential properties.........................

13.a.2.2. Not applicable

13.a.3.0RCONK1793. Commercial and industrial loans.............................................................................

13.a.4.4. Loans to individuals for household, family, and other personal expenditures:

13.a.4.a.0RCONK180a. Credit cards.......................................................................................................

13.a.4.b.0RCONK181b. Automobile loans...............................................................................................





13.a.4.c.0RCONK182

c. Other (includes revolving credit plans other than credit cards and other consumerloans).....................................................................................................................

13.a.5.0RCONK1835. All other loans and all leases..................................................................................

13.a.5.a.0RCONK184a. Loans to depository institutions and acceptances of other banks.....................

13.a.5.b.0RCONK185b. Loans to foreign governments and official institutions.......................................

13.a.5.c.0RCONK186c. Other loans........................................................................................................

13.a.5.c.1.0RCONK178

1. Loans to finance agricultural production and other loans to farmers includedin Schedule RC-M, item 13.a.(5)(c), above.....................................................

13.a.5.d.0RCONK273d. Lease financing receivables..............................................................................

13.b.b. Other real estate owned (included in Schedule RC, item 7):

13.b.1.0RCONK1871. Construction, land development, and other land.....................................................

13.b.2.0RCONK1882. Farmland.................................................................................................................

13.b.3.0RCONK1893. 1-4 family residential properties..............................................................................

13.b.4.0RCONK1904. Multifamily (5 or more) residential properties..........................................................

13.b.5.0RCONK1915. Nonfarm nonresidential properties..........................................................................

13.b.6.6. Not applicable

13.b.7.0RCONK192

7. Portion of covered other real estate owned included in items 13.b.(1) through (5)above that is protected by FDIC loss-sharing agreements.........................................

13.c.0RCONJ461c. Debt securities (included in Schedule RC, items 2.a and 2.b)......................................

13.d.0RCONJ462d. Other assets (exclude FDIC loss-sharing indemnification assets)................................

14.14. Captive insurance and reinsurance subsidiaries:

14.a.0RCONK193a. Total assets of captive insurance subsidiaries..............................................................

14.b.0RCONK194b. Total assets of captive reinsurance subsidiaries...........................................................

15.15. Qualified Thrift Lender (QTL) test:

15.a.

NRRCONL133a. Does the institution use the Home Owners' Loan Act (HOLA) QTL test or the InternalRevenue Service Domestic Building and Loan Association (IRS DBLA) test to determineits QTL compliance? (for the HOLA QTL test, enter 1; for the IRS DBLA test, enter 2)....

15.b.NRRCONL135

b. Has the institution been in compliance with the HOLA QTL test as of each month endduring the quarter or the IRS DBLA test for its most recent taxable year, as applicable?.

16.16. Remittance transfers offered to consumers:

16.a.

a. Mechanisms offered to consumers in any state for sending remittance transfers torecipients abroad:

16.a.1.

1. In 2012, did your institution offer to consumers in any state any of the followingmechanisms for sending remittance transfers to recipients abroad?

16.a.1.a.NoRCONN512a. International wire transfers................................................................................

16.a.1.b.NoRCONN514b. International ACH transactions..........................................................................

16.a.1.c.NoRCONN515c. Other proprietary services operated by your institution.....................................

16.a.1.d.NoRCONN516d. Other proprietary services operated by another party.......................................

16.a.2.

2. As of the report date, did your institution offer to consumers in any state any of thefollowing mechanisms for sending remittance transfers to recipients abroad?

16.a.2.a.NoRCONN517a. International wire transfers................................................................................

16.a.2.b.NoRCONN518b. International ACH transactions..........................................................................

16.a.2.c.NoRCONN519c. Other proprietary services operated by your institution.....................................

16.a.2.d.NoRCONN520d. Other proprietary services operated by another party.......................................

16.b.

NoRCONN521b. Did your institution provide more than 100 remittance transfers in the previous calendaryear or does your institution estimate that it will provide more than 100 remittance transfersin the current calendar year?............................................................................................





16.c.

NRRCONN522

c. Indicate which of the mechanisms described in items 16.a.(2)(a), (b), and (c) aboveis the mechanism that your institution estimates accounted for the largest number ofremittance transfers your institution provided during the period from October 28, 2013,through December 31, 2013 (For international wire transfers, enter 1; for internationalACH transactions, enter 2; for other proprietary services operated by your institution,enter 3. If your institution did not provide any transfers using the mechanisms describedin items 16.a.(2)(a), (b), and (c) above during the period from October 28, 2013, throughDecember 31, 2013, enter 0.)...........................................................................................

16.d.

d. Estimated number and dollar value of remittance transfers provided by your institutionduring the period from October 28, 2013, through December 31, 2013:

16.d.1.NRRCONN5231. Estimated number of remittance transfers..............................................................

16.d.2.NRRCONN5242. Estimated dollar value of remittance transfers........................................................

16.d.3.NRRCONN527

3. Estimated number of remittance transfers for which your institution applied thetemporary exception...................................................................................................

(TEXT4087) www.seattlebank.com

Schedule RC-N - Past Due and Nonaccrual Loans Leases and Other Assets(Column C)Nonaccrual

(Column B) Pastdue 90 days ormore and still

accruing

(Column A) Pastdue 30 through89 days and still

accruingDollar amounts in thousands

1. Loans secured by real estate: 1.

a. Construction, land development, and other land loans: 1.a.

RCONF176RCONF174RCONF172

1. 1-4 family residential construction loans................................ 1.a.1.000

RCONF177RCONF175RCONF1732. Other construction loans and all land development and otherland loans.................................................................................. 1.a.2.000

RCON3495RCON3494RCON3493

b. Secured by farmland................................................................... 1.b.000

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

RCON5400RCON5399RCON53981. Revolving, open-end loans secured by 1-4 family residentialproperties and extended under lines of credit........................... 1.c.1.4,8250125

2. Closed-end loans secured by 1-4 family residential properties: 1.c.2.

RCONC229RCONC237RCONC236

a. Secured by first liens........................................................ 1.c.2.a.1,2690122


b. Secured by junior liens..................................................... 1.c.2.b.20100


d. Secured by multifamily (5 or more) residential properties........... 1.d.000

e. Secured by nonfarm nonresidential properties: 1.e.

RCONF182RCONF180RCONF1781. Loans secured by owner-occupied nonfarm nonresidentialproperties.................................................................................. 1.e.1.000


2. Loans secured by other nonfarm nonresidential properties... 1.e.2.000

RCONB836RCONB835RCONB834

2. Loans to depository institutions and acceptances of other banks..... 2.000




(Column C)Nonaccrual


accruing



3. Not applicable 3.


4. Commercial and industrial loans....................................................... 4.000

5. Loans to individuals for household, family, and other personalexpenditures: 5.


a. Credit cards................................................................................. 5.a.000

RCONK215RCONK214RCONK213

b. Automobile loans......................................................................... 5.b.000

RCONK218RCONK217RCONK216c. Other (includes revolving credit plans other than credit cards andother consumer loans).................................................................... 5.c.000


6. Loans to foreign governments and official institutions...................... 6.000


7. All other loans................................................................................... 7.14100


8. Lease financing receivables.............................................................. 8.000

RCON3507RCON3506RCON35059. Debt securities and other assets (exclude other real estate ownedand other repossessed assets)............................................................. 9.000

RCONK038RCONK037RCONK03610. Loans and leases reported in items 1 through 8 above that arewholly or partially guaranteed by the U.S. Government, excluding loansand leases covered by loss-sharing agreements with the FDIC:.......... 10.

3780122

RCONK041RCONK040RCONK039a. Guaranteed portion of loans and leases included in item 10 above,excluding rebooked "GNMA loans"................................................. 10.a.3780122

RCONK044RCONK043RCONK042b. Rebooked "GNMA loans" that have been repurchased or areeligible for repurchase included in item 10 above........................... 10.b.000

11. Loans and leases reported in items 1 through 8 above that arecovered by loss-sharing agreements with the FDIC: 11.

a. Loans secured by real estate: 11.a.

1. Construction, land development, and other land loans: 11.a.1.


a. 1-4 family residential construction loans.......................... 11.a.1.a.000

RCONK050RCONK049RCONK048b. Other construction loans and all land development andother land loans................................................................... 11.a.1.b.000


2. Secured by farmland.............................................................. 11.a.2.000

3. Secured by 1-4 family residential properties: 11.a.3.

RCONK056RCONK055RCONK054a. Revolving, open-end loans secured by 1-4 familyresidential properties and extended under lines of credit..... 11.a.3.a.000

b. Closed-end loans secured by 1-4 family residentialproperties: 11.a.3.b.


1. Secured by first liens.................................................. 11.a.3.b.1.000






accruing


accruingDollar amounts in thousandsRCONK062RCONK061RCONK060

2. Secured by junior liens............................................... 11.a.3.b.2.000


4. Secured by multifamily (5 or more) residential properties..... 11.a.4.000

5. Secured by nonfarm nonresidential properties: 11.a.5.

RCONK068RCONK067RCONK066a. Loans secured by owner-occupied nonfarm nonresidentialproperties............................................................................. 11.a.5.a.000

RCONK071RCONK070RCONK069b. Loans secured by other nonfarm nonresidentialproperties............................................................................. 11.a.5.b.000

b. Not applicable 11.b.


c. Commercial and industrial loans................................................. 11.c.000

d. Loans to individuals for household, family, and other personalexpenditures: 11.d.


1. Credit cards........................................................................... 11.d.1.000


2. Automobile loans................................................................... 11.d.2.000

RCONK086RCONK085RCONK0843. Other (includes revolving credit plans other than credit cardsand other consumer loans)........................................................ 11.d.3.000


e. All other loans and all leases....................................................... 11.e.000

RCONK093RCONK092RCONK0911. Loans to depository institutions and acceptances of otherbanks......................................................................................... 11.e.1.000


2. Loans to foreign governments and official institutions........... 11.e.2.000


3. Other loans............................................................................ 11.e.3.000

RCONK074RCONK073RCONK072a. Loans to finance agricultural production and other loansto farmers included in Schedule RC-N, item 11.e.(3),above................................................................................... 11.e.3.a.

000


4. Lease financing receivables.................................................. 11.e.4.000

RCONK104RCONK103RCONK102f. Portion of covered loans and leases included in items 11.a through11.e above that is protected by FDIC loss-sharing agreements..... 11.f.000

1. Loans restructured in troubled debt restructurings included inSchedule RC-N, items 1 through 7, above (and not reported in ScheduleRC-C, Part 1, Memorandum item 1): M.1.

a. Construction, land development, and other land loans: M.1.a.


1. 1-4 family residential construction loans................................ M.1.a.1.000

RCONK110RCONK109RCONK1082. Other construction loans and all land development and otherland loans.................................................................................. M.1.a.2.000


b. Loans secured by 1-4 family residential properties..................... M.1.b.000






accruing


accruingDollar amounts in thousandsRCONK113RCONK112RCONK111

c. Secured by multifamily (5 or more) residential properties........... M.1.c.000

d. Secured by nonfarm nonresidential properties: M.1.d.

RCONK116RCONK115RCONK1141. Loans secured by owner-occupied nonfarm nonresidentialproperties.................................................................................. M.1.d.1.000


2. Loans secured by other nonfarm nonresidential properties... M.1.d.2.000


e. Commercial and industrial loans................................................. M.1.e.000


1. To U.S. addressees (domicile)............................................... M.1.e.1.000


2. To non-U.S. addressees (domicile)........................................ M.1.e.2.000

RCONK128RCONK127RCONK126f. All other loans (include loans to individuals for household, family,and other personal expenditures)................................................... M.1.f.000


1. Loans secured by farmland................................................... M.1.f.1.000

RCONK136RCONK135RCONK1342. Loans to depository institutions and acceptances of otherbanks......................................................................................... M.1.f.2.000

3. Not applicable M.1.f.3.

4. Loans to individuals for household, family, and other personalexpenditures: M.1.f.4.


a. Credit cards...................................................................... M.1.f.4.a.000


b. Automobile loans.............................................................. M.1.f.4.b.000

RCONK282RCONK281RCONK280c. Other (includes revolving credit plans other than creditcards and other consumer loans)........................................ M.1.f.4.c.000


5. Loans to foreign governments and official institutions........... M.1.f.5.000


6. Other loans............................................................................ M.1.f.6.000

RCONK140RCONK139RCONK138a. Loans to finance agricultural production and other loansto farmers included in Schedule RC-N, Memorandum item1.f.(6), above........................................................................ M.1.f.6.a.

000

RCON6560RCON6559RCON65582. Loans to finance commercial real estate, construction, and landdevelopment activities (not secured by real estate) included in ScheduleRC-N, items 4 and 7, above.................................................................. M.2.

000

3. Not available M.3.

RCON1250RCON1249RCON1248a. Loans secured by real estate to non-U.S. addressees (domicile)(included in Schedule RC-N, item 1, above)................................... M.3.a.000

RCON5382RCON5381RCON5380b. Loans to and acceptances of foreign banks (included in ScheduleRC-N, item 2, above)...................................................................... M.3.b.000

RCON1256RCON1255RCON1254c. Commercial and industrial loans to non-U.S. addressees(domicile) (included in Schedule RC-N, item 4, above).................. M.3.c.000






accruing


accruingDollar amounts in thousandsRCONF168RCONF167RCONF166d. Leases to individuals for household, family, and other personal

expenditures (included in Schedule RC-N, item 8, above).............. M.3.d.000

RCON1583RCON1597RCON15944. Loans to finance agricultural production and other loans to farmers(included in Schedule RC-N, item 7, above)......................................... M.4.000

5. Loans and leases held for sale and loans measured at fair value(included in Schedule RC-N, items 1 through 8, above): M.5.


a. Loans and leases held for sale.................................................... M.5.a.000

b. Loans measured at fair value: M.5.b.


1. Fair value............................................................................... M.5.b.1.000


2. Unpaid principal balance....................................................... M.5.b.2.000

Schedule RC-N - Past Due and Nonaccrual Loans Leases and Other Assets(Column B) Past due 90

days or more(Column A) Past due 30

through 89 daysDollar amounts in thousands

M.6.0RCON35300RCON35296. Derivative contracts: Fair value of amounts carried as assets..............

Schedule RC-N - Past Due and Nonaccrual Loans Leases and Other AssetsDollar amounts in thousands

M.7.568RCONC4107. Additions to nonaccrual assets during the quarter.............................................................

M.8.0RCONC4118. Nonaccrual assets sold during the quarter.........................................................................

Schedule RC-N - Past Due and Nonaccrual Loans Leases and Other Assets(Column C)Nonaccrual


accruing



9. Purchased credit-impaired loans accounted for in accordance withFASB ASC 310-30 (former AICPA Statement of Position 03-3): M.9.

RCONL185RCONL184RCONL183

a. Outstanding balance................................................................... M.9.a.000

RCONL188RCONL187RCONL186b. Carrying amount included in Schedule RC-N, items 1 through 7,above.............................................................................................. M.9.b.000

Schedule RC-O - Other Data for Deposit Insurance and FICO AssessmentsDollar amounts in thousands

1.165,426RCONF236

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

2.0RCONF237

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

3.3. Not applicable

4.233,865RCONK6524. Average consolidated total assets for the calendar quarter................................................





4.a.1RCONK653a. Averaging method used (for daily averaging, enter 1; for weekly averaging, enter 2)....

5.45,591RCONK6545. Average tangible equity for the calendar quarter................................................................

6.0RCONK655

6. Holdings of long-term unsecured debt issued by other FDIC-insured depositoryinstitutions..............................................................................................................................

7.

7. Unsecured "Other borrowings" with a remaining maturity of (sum of items 7.a through 7.dmust be less than or equal to Schedule RC-M, items 5.b.(1)(a)-(d) minus item 10.b):

7.a.0RCONG465a. One year or less............................................................................................................

7.b.0RCONG466b. Over one year through three years...............................................................................

7.c.0RCONG467c. Over three years through five years..............................................................................

7.d.0RCONG468d. Over five years..............................................................................................................

8.

8. Subordinated notes and debentures with a remaining maturity of (sum of items 8.a through8.d must equal Schedule RC, item 19):

8.a.0RCONG469a. One year or less............................................................................................................

8.b.0RCONG470b. Over one year through three years...............................................................................

8.c.0RCONG471c. Over three years through five years..............................................................................

8.d.0RCONG472d. Over five years..............................................................................................................

9.0RCONG803

9. Reciprocal brokered deposits (included in Schedule RC-E, part I, Memorandum item1.b).........................................................................................................................................

9.a.NRRCONL190a. Fully consolidated reciprocal brokered deposits...........................................................

10.

NoRCONK65610. Banker's bank certification: Does the reporting institution meet both the statutory definitionof a banker's bank and the business conduct test set forth in FDIC regulations? If the answerto item 10 is "YES," complete items 10.a and 10.b................................................................

10.a.NRRCONK657a. Banker's bank deduction...............................................................................................

10.b.NRRCONK658b. Banker's bank deduction limit.......................................................................................

11.

NoRCONK65911. Custodial bank certification: Does the reporting institution meet the definition of a custodialbank set forth in FDIC regulations? If the answer to item 11 is "YES," complete items 11.aand 11.b.................................................................................................................................

11.a.NRRCONK660a. Custodial bank deduction.............................................................................................

11.b.NRRCONK661b. Custodial bank deduction limit......................................................................................

M.1.

1. Total deposit liabilities of the bank (including related interest accrued and unpaid) lessallowable exclusions (including related interest accrued and unpaid) (sum of Memorandumitems 1.a.(1), 1.b.(1), 1.c.(1), and 1.d.(1) must equal Schedule RC-O, item 1 less item 2):

M.1.a.a. Deposit accounts (excluding retirement accounts) of $250,000 or less:

M.1.a.1.82,675RCONF0491. Amount of deposit accounts (excluding retirement accounts) of $250,000 or less..

M.1.a.2.13958RCONF0502. Number of deposit accounts (excluding retirement accounts) of $250,000 or less..

M.1.b.b. Deposit accounts (excluding retirement accounts) of more than $250,000:

M.1.b.1.78,300RCONF051

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

M.1.b.2.98RCONF052

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

M.1.c.c. Retirement deposit accounts of $250,000 or less:

M.1.c.1.3,942RCONF0451. Amount of retirement deposit accounts of $250,000 or less...................................

M.1.c.2.141RCONF0462. Number of retirement deposit accounts of $250,000 or less...................................

M.1.d.d. Retirement deposit accounts of more than $250,000:

M.1.d.1.510RCONF0471. Amount of retirement deposit accounts of more than $250,000.............................

M.1.d.2.2RCONF0482. Number of retirement deposit accounts of more than $250,000.............................

M.2.NRRCON5597

2. Estimated amount of uninsured deposits, including related interest accrued and unpaid(see instructions)....................................................................................................................

M.3.

3. Has the reporting institution been consolidated with a parent bank or savings associationin that parent bank's or parent savings association's Call Report? If so, report the legal titleand FDIC Certificate Number of the parent bank or parent savings association:

M.3.a.NRTEXTA545a. Legal title......................................................................................................................

M.3.b.0RCONA545b. FDIC Certificate Number..............................................................................................





M.4.4. Not applicable

M.5.5. Not applicable

M.6.6. Criticized and classified items:

M.6.a.CONFRCONK663a. Special mention............................................................................................................

M.6.b.CONFRCONK664b. Substandard..................................................................................................................

M.6.c.CONFRCONK665c. Doubtful.........................................................................................................................

M.6.d.CONFRCONK666d. Loss..............................................................................................................................

M.7.

7. "Nontraditional 1-4 family residential mortgage loans" as defined for assessment purposesonly in FDIC regulations:

M.7.a.CONFRCONN025a. Nontraditional 1-4 family residential mortgage loans....................................................

M.7.b.CONFRCONN026b. Securitizations of nontraditional 1-4 family residential mortgage loans........................

M.8.8. "Higher-risk consumer loans" as defined for assessment purposes only in FDIC regulations:

M.8.a.CONFRCONN027a. Higher-risk consumer loans..........................................................................................

M.8.b.CONFRCONN028b. Securitizations of higher-risk consumer loans..............................................................

M.9.

9. "Higher-risk commercial and industrial loans and securities" as defined for assessmentpurposes only in FDIC regulations:

M.9.a.CONFRCONN029a. Higher-risk commercial and industrial loans and securities..........................................

M.9.b.CONFRCONN030b. Securitizations of higher-risk commercial and industrial loans and securities..............

M.10.

10. Commitments to fund construction, land development, and other land loans secured byreal estate:

M.10.a.NRRCONK676a. Total unfunded commitments........................................................................................

M.10.b.NRRCONK677

b. Portion of unfunded commitments guaranteed or insured by the U.S. government(including the FDIC)..........................................................................................................

M.11.NRRCONK669

11. Amount of other real estate owned recoverable from the U.S. government under guaranteeor insurance provisions (excluding FDIC loss-sharing agreements)......................................

M.12.NRRCONK678

12. Nonbrokered time deposits of more than $250,000 (included in Schedule RC-E,Memorandum item 2.d)..........................................................................................................

M.13.

13. Portion of funded loans and securities guaranteed or insured by the U.S. government(including FDIC loss-sharing agreements):

M.13.a.NRRCONN177a. Construction, land development, and other land loans secured by real estate............

M.13.b.NRRCONN178b. Loans secured by multifamily residential and nonfarm nonresidential properties.........

M.13.c.NRRCONN179c. Closed-end loans secured by first liens on 1-4 family residential properties................

M.13.d.

NRRCONN180d. Closed-end loans secured by junior liens on 1-4 family residential properties andrevolving, open-end loans secured by 1-4 family residential properties and extendedunder lines of credit..........................................................................................................

M.13.e.NRRCONN181e. Commercial and industrial loans...................................................................................

M.13.f.NRRCONN182f. Credit card loans to individuals for household, family, and other personal expenditures.

M.13.g.NRRCONN183g. All other loans to individuals for household, family, and other personal expenditures...

M.13.h.NRRCONM963h. Non-agency residential mortgage-backed securities....................................................

M.14.CONFRCONK67314. Amount of the institution's largest counterparty exposure................................................

M.15.CONFRCONK67415. Total amount of the institution's 20 largest counterparty exposures.................................

M.16.

NRRCONL18916. Portion of loans restructured in troubled debt restructurings that are in compliance withtheir modified terms and are guaranteed or insured by the U.S. government (including theFDIC) (included in Schedule RC-C, part I, Memorandum item 1)..........................................

M.17.17. Selected fully consolidated data for deposit insurance assessment purposes:

M.17.a.NRRCONL194

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

M.17.b.NRRCONL195

b. Total allowable exclusions, including interest accrued and unpaid on allowableexclusions.........................................................................................................................

M.17.c.NRRCONL196c. Unsecured "Other borrowings" with a remaining maturity of one year or less..............

M.17.d.NRRCONL197

d. Estimated amount of uninsured deposits, including related interest accrued andunpaid...............................................................................................................................




Schedule RC-O - Other Data for Deposit Insurance and FICO Assessments(ColumnO) PDsWere

DerivedUsing

(ColumnN)

Two-YearProbability

ofDefault

(PD)Total

(ColumnM)

Two-YearProbability

ofDefault

(PD)Unscoreable

(ColumnL)

Two-YearProbability

ofDefault(PD) >30%

(ColumnK)

Two-YearProbability

ofDefault

(PD)26.01–30%

(ColumnJ)

Two-YearProbability

ofDefault

(PD)22.01–26%

(ColumnI)

Two-YearProbability

ofDefault

(PD)20.01–22%

(ColumnH)

Two-YearProbability

ofDefault

(PD)18.01–20%

(ColumnG)

Two-YearProbability

ofDefault

(PD)16.01–18%

(ColumnF)

Two-YearProbability

ofDefault

(PD)14.01–16%

(ColumnE)

Two-YearProbability

ofDefault

(PD)10.01–14%

(ColumnD)

Two-YearProbability

ofDefault

(PD)7.01–10%

(ColumnC)

Two-YearProbability

ofDefault

(PD)4.01–7%

(ColumnB)

Two-YearProbability

ofDefault

(PD)1.01–4%

(ColumnA)

Two-YearProbability

ofDefault(PD) <=

1%Dollar amounts in thousands18. Outstanding balance of 1-4family residential mortgage loans,consumer loans, and consumerleases by two-year probability ofdefault: M.18.

RCONM978RCONM977RCONM976RCONM975RCONM974RCONM973RCONM972RCONM971RCONM970RCONM969RCONM968RCONM967RCONM966RCONM965RCONM964a. "Nontraditional 1-4 familyresidential mortgage loans" asdefined for assessmentpurposes only in FDICregulations................................ M.18.a.

CONFCONFCONFCONFCONFCONFCONFCONFCONFCONFCONFCONFCONFCONFCONF

RCONM993RCONM992RCONM991RCONM990RCONM989RCONM988RCONM987RCONM986RCONM985RCONM984RCONM983RCONM982RCONM981RCONM980RCONM979b. Closed-end loans secured byfirst liens on 1-4 familyresidential properties................ M.18.b.


RCONN009RCONN008RCONN007RCONN006RCONN005RCONN004RCONN003RCONN002RCONN001RCONM999RCONM998RCONM997RCONM996RCONM995RCONM994c. Closed-end loans secured byjunior liens on 1-4 familyresidential properties................ M.18.c.


RCONN024RCONN023RCONN022RCONN021RCONN020RCONN019RCONN018RCONN017RCONN016RCONN015RCONN014RCONN013RCONN012RCONN011RCONN010d. Revolving, open-end loanssecured by 1-4 family residentialproperties and extended underlines of credit............................ M.18.d.


RCONN054RCONN053RCONN052RCONN051RCONN050RCONN049RCONN048RCONN047RCONN046RCONN045RCONN044RCONN043RCONN042RCONN041RCONN040

e. Credit cards.......................... M.18.e.CONFCONFCONFCONFCONFCONFCONFCONFCONFCONFCONFCONFCONFCONFCONF


f. Automobile loans................... M.18.f.CONFCONFCONFCONFCONFCONFCONFCONFCONFCONFCONFCONFCONFCONFCONF


g. Student loans....................... M.18.g.CONFCONFCONFCONFCONFCONFCONFCONFCONFCONFCONFCONFCONFCONFCONF

RCONN099RCONN098RCONN097RCONN096RCONN095RCONN094RCONN093RCONN092RCONN091RCONN090RCONN089RCONN088RCONN087RCONN086RCONN085h. Other consumer loans andrevolving credit plans other thancredit cards............................... M.18.h.



i. Consumer leases................... M.18.i.CONFCONFCONFCONFCONFCONFCONFCONFCONFCONFCONFCONFCONFCONFCONF

RCONN128RCONN127RCONN126RCONN125RCONN124RCONN123RCONN122RCONN121RCONN120RCONN119RCONN118RCONN117RCONN116RCONN115

j. Total....................................... M.18.j.CONFCONFCONFCONFCONFCONFCONFCONFCONFCONFCONFCONFCONFCONF




Schedule RC-P - 1-4 Family Residential Mortgage Banking ActivitiesDollar amounts in thousands

1.1. Retail originations during the quarter of 1-4 family residential mortgage loans for sale:

1.a.0RCONF066a. Closed-end first liens....................................................................................................

1.b.0RCONF067b. Closed-end junior liens.................................................................................................

1.c.c. Open-end loans extended under lines of credit:

1.c.1.0RCONF6701. Total commitment under the lines of credit..............................................................

1.c.2.0RCONF6712. Principal amount funded under the lines of credit...................................................

2.

2.Wholesale originations and purchases during the quarter of 1-4 family residential mortgageloans for sale:






3.3. 1-4 family residential mortgages sold during the quarter:






4.

4. 1-4 family residential mortgages held for sale at quarter-end (included in Schedule RC,item 4.a):






5.

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):

5.a.0RIADF184a. Closed-end 1-4 family residential mortgage loans........................................................

5.b.0RIADF560b. Open-end 1-4 family residential mortgage loans extended under lines of credit..........

6.

6. Repurchases and indemnifications of 1-4 family residential mortgage loans during thequarter:



6.c.c. Open-end loans extended under line of credit:



7.7. Representation and warranty reserves for 1-4 family residential mortgage loans sold:

7.a.CONFRCONL191

a. For representations and warranties made to U.S. government agencies andgovernment-sponsored agencies.....................................................................................

7.b.CONFRCONL192b. For representations and warranties made to other parties...........................................

7.c.0RCONM288c. Total representation and warranty reserves (sum of items 7.a and 7.b).......................




Schedule RC-Q - Assets and Liabilities Measured at Fair Value on a Recurring Basis(Column E) Level

3 Fair ValueMeasurements

(Column D) Level2 Fair Value

Measurements

(Column C) Level1 Fair Value

Measurements

(Column B)LESS: Amounts

Netted in theDetermination ofTotal Fair Value

(Column A) TotalFair Value

Reported onSchedule RC


RCONG477RCONG476RCONG475RCONG474RCON1773

1. Available-for-sale securities.................................................................... 1.01,844001,844

RCONG482RCONG481RCONG480RCONG479RCONG4782. Federal funds sold and securities purchased under agreements toresell........................................................................................................... 2.00000


3. Loans and leases held for sale............................................................... 3.00000


4. Loans and leases held for investment..................................................... 4.00000

5. Trading assets: 5.


a. Derivative assets............................................................................... 5.a.00000


b. Other trading assets.......................................................................... 5.b.00000

RCONF242RCONF241RCONF692RCONF684RCONF2401. Nontrading securities at fair value with changes in fair valuereported in current earnings (included in Schedule RC-Q, item 5.b,above)............................................................................................. 5.b.1.

00000


6. All other assets....................................................................................... 6.00000

RCONG506RCONG505RCONG504RCONG503RCONG5027. Total assets measured at fair value on a recurring basis (sum of items1 through 5.b plus item 6)........................................................................... 7.01,844001,844

RCONF254RCONF253RCONF694RCONF686RCONF252

8. Deposits.................................................................................................. 8.00000

RCONG511RCONG510RCONG509RCONG508RCONG5079. Federal funds purchased and securities sold under agreements torepurchase.................................................................................................. 9.00000

10. Trading liabilities: 10.


a. Derivative liabilities............................................................................ 10.a.00000


b. Other trading liabilities....................................................................... 10.b.00000




(Column E) Level3 Fair Value

Measurements


Measurements


Measurements





Dollar amounts in thousandsRCONG525RCONG524RCONG523RCONG522RCONG521

11. Other borrowed money......................................................................... 11.00000


12. Subordinated notes and debentures..................................................... 12.00000


13. All other liabilities.................................................................................. 13.00000

RCONG535RCONG534RCONG533RCONG532RCONG53114.Total liabilities measured at fair value on a recurring basis (sum of items8 through 13).............................................................................................. 14.00000

1. All other assets (itemize and describe amounts included in ScheduleRC-Q, item 6, that are greater than $25,000 and exceed 25% of item 6): M.1.


a. Mortgage servicing assets................................................................ M.1.a.00000


b. Nontrading derivative assets............................................................. M.1.b.00000




Schedule RC-Q - Assets and Liabilities Measured at Fair Value on a Recurring BasisDollar amounts in thousands


M.1.c.1.NRTEXTG5461. Describe component..........................................................................................................







Measurements


Measurements







2. Amount of component............................................................................. M.1.c.2.00000





M.1.d.d. Disclose component and the dollar amount of that component:

M.1.d.1.NRTEXTG5511. Describe component..........................................................................................................







Measurements


Measurements







2. Amount of component............................................................................. M.1.d.2.00000





M.1.e.e. Disclose component and the dollar amount of that component:

M.1.e.1.NRTEXTG5561. Describe component..........................................................................................................







Measurements


Measurements







2. Amount of component............................................................................. M.1.e.2.00000





M.1.f.f. Disclose component and the dollar amount of that component:

M.1.f.1.NRTEXTG5611. Describe component..........................................................................................................







Measurements


Measurements







2. Amount of component............................................................................. M.1.f.2.00000

2. All other liabilities (itemize and describe amounts included in ScheduleRC-Q, item 13, that are greater than $25,000 and exceed 25% of item 13): M.2.

RCONF263RCONF262RCONF697RCONF689RCONF261

a. Loan commitments (not accounted for as derivatives)...................... M.2.a.00000


b. Nontrading derivative liabilities.......................................................... M.2.b.00000






M.2.c.1.NRTEXTG5711. Describe component..........................................................................................................







Measurements


Measurements







2. Amount of component............................................................................. M.2.c.2.00000





M.2.d.d. Disclose component and the dollar amount of that component:

M.2.d.1.NRTEXTG5761. Describe component..........................................................................................................







Measurements


Measurements







2. Amount of component............................................................................. M.2.d.2.00000





M.2.e.e. Disclose component and the dollar amount of that component:

M.2.e.1.NRTEXTG5811. Describe component..........................................................................................................







Measurements


Measurements







2. Amount of component............................................................................. M.2.e.2.00000





M.2.f.f. Disclose component and the dollar amount of that component:

M.2.f.1.NRTEXTG5861. Describe component..........................................................................................................







Measurements


Measurements







2. Amount of component............................................................................. M.2.f.2.00000




Schedule RC-R Part I.A - Regulatory Capital Components and RatiosDollar amounts in thousands

1.45,666RCON32101. Total bank equity capital (from Schedule RC, item 27.a)....................................................

2.38RCON8434

2. LESS: Net unrealized gains (losses) on available-for-sale securities (if a gain, report asa positive value; if a loss, report as a negative value)............................................................

3.0RCONA221

3. LESS: Net unrealized loss on available-for-sale equity securities (report loss as a positivevalue)......................................................................................................................................

4.

0RCON4336

4. LESS: Accumulated net gains (losses) on cash flow hedges and amounts recorded inAOCI resulting from the initial and subsequent application of FASB ASC 715-20 (formerFASB Statement No. 158) to defined benefit postretirement plans (if a gain, report as apositive value; if a loss, report as a negative value)...............................................................

5.0RCONB5885. LESS: Nonqualifying perpetual preferred stock..................................................................

6.0RCONB5896. Qualifying noncontrolling (minority) interests in consolidated subsidiaries........................

7.

7. LESS: Disallowed goodwill and other disallowed intangible assets and cumulative changein fair value of all financial liabilities accounted for under a fair value option that is includedin retained earnings and is attributable to changes in the bank's own creditworthiness

7.a.30RCONB590a. LESS: Disallowed goodwill and other disallowed intangible assets..............................

7.b.

0RCONF264

b. LESS: Cumulative change in fair value of all financial liabilities accounted for under afair value option that is included in retained earnings and is attributable to changes inthe bank's own creditworthiness (if a net gain, report as a positive value; if a net loss,report as a negative value)...............................................................................................

8.45,598RCONC2278. Subtotal (sum of items 1 and 6, less items 2, 3, 4, 5, 7.a, and 7.b)....................................

9.

9. LESS: Disallowed servicing assets and purchased credit card relationships and disalloweddeferred tax assets

9.a.0RCONB591a. LESS: Disallowed servicing assets and purchased credit card relationships...............

9.b.0RCON5610b. LESS: Disallowed deferred tax assets..........................................................................

10.0RCONB59210. Other additions to (deductions from) Tier 1 capital...........................................................

11.45,598RCON827411. Tier 1 capital (sum of items 8 and 10, less items 9.a and 9.b).........................................

12.0RCON530612. Qualifying subordinated debt and redeemable preferred stock........................................

13.0RCONB59313. Cumulative perpetual preferred stock includible in Tier 2 capital......................................

14.1,586RCON531014. Allowance for loan and lease losses includible in Tier 2 capital.......................................

15.0RCON222115. Unrealized gains on available-for-sale equity securities includible in Tier 2 capital..........

16.0RCONB59416. Other Tier 2 capital components.......................................................................................

17.1,586RCON531117. Tier 2 capital (sum of items 12 through 16)......................................................................

18.1,586RCON827518. Allowable Tier 2 capital (lesser of item 11 or 17)..............................................................


20.0RCONB59520. LESS: Deductions for total risk-based capital...................................................................

21.47,184RCON379221. Total risk-based capital (sum of items 11 and 18 less item 20)........................................

22.233,865RCONL136

22. Total assets (for banks, from Schedule RC-K, item 9; for savings associations, fromSchedule RC, item 12)...........................................................................................................

23.30RCONB59023. LESS: Disallowed goodwill and other disallowed intangible assets (from item 7.a above).

24.0RCONB591

24. LESS: Disallowed servicing assets and purchased credit card relationships (from item9.a above)..............................................................................................................................

25.0RCON561025. LESS: Disallowed deferred tax assets (from item 9.b above)...........................................

26.0RCONL13726. Other additions to (deductions from) assets for leverage capital purposes......................

27.233,835RCONL138

27.Total assets for leverage capital purposes (sum of items 22 and 26 less items 23 through25)..........................................................................................................................................

28.28. Adjustments

28.a.0RCONC228a. Adjustment to Tier 1 capital reported in item 11...........................................................

28.b.0RCONB503b. Adjustment to total risk-based capital reported in item 21............................................

29.0RCONB50429. Adjustment to risk-weighted assets reported in item 62...................................................

30.0RCONB50530. Adjustment to average total assets reported in item 27...................................................




Schedule RC-R Part I.A - Regulatory Capital Components and Ratios(Column B) Percentage

(All Banks)(Column A) Percentage(Banks with Financial

Subsidiaries)Dollar amounts in thousands

31.0.195001RCON72040RCON727331. Tier 1 leverage ratio.............................................................................

32.0.357626RCON72060RCON727432. Tier 1 risk-based capital ratio..............................................................

33.0.370065RCON72050RCON727533. Total risk-based capital ratio................................................................

Schedule RC-R Part I.B - Regulatory Capital Components and RatiosDollar amounts in thousands

1.NRRCOAP742

1. Common stock plus related surplus, net of treasury stock and unearned employee stockownership plan (ESOP) shares..............................................................................................

2.-45,970RCON36322. Retained earnings..............................................................................................................

3.NRRCOAB5303. Accumulated other comprehensive income (AOCI)............................................................

3.a.NRRCOAP838a. AOCI opt-out election (enter "1" for Yes; enter "0" for No).............................................

4.NRRCOAP8394. Common equity tier 1 minority interest includable in common equity tier 1 capital............

5.NRRCOAP840

5. Common equity tier 1 capital before adjustments and deductions (sum of items 1 through4)............................................................................................................................................

6.NRRCOAP8416. LESS: Goodwill net of associated deferred tax liabilities (DTLs)........................................

7.NRRCOAP842

7. LESS: Intangible assets (other than goodwill and mortgage servicing assets (MSAs)), netof associated DTLs.................................................................................................................

8.NRRCOAP843

8. LESS: Deferred tax assets (DTAs) that arise from net operating loss and tax creditcarryforwards, net of any related valuation allowances and net of DTLs...............................

9.

9. AOCI-related adjustments (items 9.a through 9.e are effective January 1, 2015) (if entered"1" for Yes in item 3.a, complete only items 9.a through 9.e; if entered "0" for No in item 3.a,complete only item 9.f):

9.a.

a. LESS: Net unrealized gains (losses) on available-for-sale securities (if a gain, reportas a positive value; if a loss, report as a negative value)

9.b.

b. LESS: Net unrealized loss on available-for-sale preferred stock classified as an equitysecurity under GAAP and available-for-sale equity exposures (report loss as a positivevalue)

9.c.

c. LESS: Accumulated net gains (losses) on cash flow hedges (if a gain, report as apositive value; if a loss, report as a negative value)

9.d.

d. LESS: Amounts recorded in AOCI attributed to defined benefit postretirement plansresulting from the initial and subsequent application of the relevant GAAP standards thatpertain to such plans (if a gain, report as a positive value; if a loss, report as a negativevalue)

9.e.

e. LESS: Net unrealized gains (losses) on held-to-maturity securities that are includedin AOCI (if a gain, report as a positive value; if a loss, report as a negative value)

9.f.

NRRCOAP849

f. LESS: Accumulated net gain (loss) on cash flow hedges included in AOCI, net ofapplicable income taxes, that relate to the hedging of items that are not recognized atfair value on the balance sheet (if a gain, report as a positive value; if a loss, report asa negative value) (To be completed only by institutions that entered "0" for No in item3.a)...................................................................................................................................

10.

10. Other deductions from (additions to) common equity tier 1 capital before threshold-baseddeductions:

10.a.

NRRCOAQ258a. LESS: Unrealized net gain (loss) related to changes in the fair value of liabilities thatare due to changes in own credit risk (if a gain, report as a positive value; if a loss, reportas a negative value)..........................................................................................................

10.b.NRRCOAP850

b. LESS: All other deductions from (additions to) common equity tier 1 capital beforethreshold-based deductions.............................................................................................

11.

NRRCOAP85111. LESS: Non-significant investments in the capital of unconsolidated financial institutionsin the form of common stock that exceed the 10 percent threshold for non-significantinvestments............................................................................................................................

12.NRRCOAP85212. Subtotal (item 5 minus items 6 through 11)......................................................................





13.

NRRCOAP85313. LESS: Significant investments in the capital of unconsolidated financial institutions inthe form of common stock, net of associated DTLs, that exceed the 10 percent commonequity tier 1 capital deduction threshold.................................................................................

14.NRRCOAP854

14. LESS: MSAs, net of associated DTLs, that exceed the 10 percent common equity tier 1capital deduction threshold.....................................................................................................

15.

NRRCOAP85515. LESS: DTAs arising from temporary differences that could not be realized through netoperating loss carrybacks, net of related valuation allowances and net of DTLs, that exceedthe 10 percent common equity tier 1 capital deduction threshold..........................................

16.

NRRCOAP856

16. LESS: Amount of significant investments in the capital of unconsolidated financialinstitutions in the form of common stock, net of associated DTLs; MSAs, net of associatedDTLs; and DTAs arising from temporary differences that could not be realized through netoperating loss carrybacks, net of related valuation allowances and net of DTLs; that exceedsthe 15 percent common equity tier 1 capital deduction threshold..........................................

17.NRRCOAP857

17. LESS: Deductions applied to common equity tier 1 capital due to insufficient amountsof additional tier 1 capital and tier 2 capital to cover deductions............................................

18.NRRCOAP858

18. Total adjustments and deductions for common equity tier 1 capital (sum of items 13through 17).............................................................................................................................

19.NRRCOAP85919. Common equity tier 1 capital (item 12 minus item 18).....................................................

20.NRRCOAP86020. Additional tier 1 capital instruments plus related surplus.................................................

21.NRRCOAP86121. Non-qualifying capital instruments subject to phase out from additional tier 1 capital .....

22.NRRCOAP86222. Tier 1 minority interest not included in common equity tier 1 capital................................

23.NRRCOAP86323. Additional tier 1 capital before deductions (sum of items 20, 21, and 22)........................

24.NRRCOAP86424. LESS: Additional tier 1 capital deductions........................................................................

25.NRRCOAP86525. Additional tier 1 capital (greater of item 23 minus item 24, or zero).................................

26.NRRCOA827426. Tier 1 capital (sum of items 19 and 25)............................................................................

27.NRRCOAP86627. Tier 2 capital instruments plus related surplus.................................................................

28.NRRCOAP86728. Non-qualifying capital instruments subject to phase out from tier 2 capital......................

29.NRRCOAP86829. Total capital minority interest that is not included in tier 1 capital.....................................

30.30. Allowance for loan and lease losses and eligible credit reserves includable in tier 2 capital

30.a.NRRCOA5310a. Allowance for loan and lease losses includable in tier 2 capital....................................

30.b.NRRCOW5310

b. (Advanced approaches institutions that exit parallel run only): Eligible credit reservesincludable in tier 2 capital.................................................................................................

31.NRRCOAQ257

31. Unrealized gains on available-for-sale preferred stock classified as an equity securityunder GAAP and available-for-sale equity exposures includable in tier 2 capital...................

32.32. Tier 2 capital before deductions

32.a.NRRCOAP870a. Tier 2 capital before deductions (sum of items 27 through 30.a, plus item 31).............

32.b.NRRCOWP870

b. (Advanced approaches institutions that exit parallel run only): Tier 2 capital beforedeductions (sum of items 27 through 29, plus items 30.b and 31)...................................

33.NRRCOAP87233. LESS: Tier 2 capital deductions........................................................................................

34.34. Tier 2 capital

34.a.NRRCOA5311a. Tier 2 capital (greater of item 32.a minus item 33, or zero)..........................................

34.b.NRRCOW5311

b. (Advanced approaches institutions that exit parallel run only): Tier 2 capital (greaterof item 32.b minus item 33, or zero).................................................................................

35.35. Total capital

35.a.NRRCOA3792a. Total capital (sum of items 26 and 34.a).......................................................................

35.b.NRRCOW3792

b. (Advanced approaches institutions that exit parallel run only): Total capital (sum ofitems 26 and 34.b)............................................................................................................

36.233,865RCON336836. Average total consolidated assets....................................................................................

37.NRRCOAP875

37. LESS: Deductions from common equity tier 1 capital and additional tier 1 capital (sumof items 6, 7, 8, 10.b, 11, 13 through 17, and item 24)...........................................................

38.NRRCOAB59638. LESS: Other deductions from (additions to) assets for leverage ratio purposes..............

39.NRRCOAA22439. Total assets for the leverage ratio (item 36 minus items 37 and 38).................................

40.40. Total risk-weighted assets

40.a.NRRCOAA223a. Total risk-weighted assets (from Schedule RC-R, Part II, item 62)...............................





40.b.NRRCOWA223

b. (Advanced approaches institutions that exit parallel run only): Total risk-weightedassets using advanced approaches rule (from FFIEC 101 Schedule A, item 60)............

Schedule RC-R Part I.B - Regulatory Capital Components and Ratios(Column B) Percentage(Column A) PercentageDollar amounts in thousands

41.

NRRCOWP793NRRCOAP79341. Common equity tier 1 capital ratio (Column A: item 19 divided by item40.a) (Advanced approaches institutions that exit parallel run only: ColumnB: item 19 divided by item 40.b)................................................................

42.

NRRCOW7206NRRCOA720642.Tier 1 capital ratio (Column A: item 26 divided by item 40.a) (Advancedapproaches institutions that exit parallel run only: Column B: item 26divided by item 40.b).................................................................................

43.

NRRCOW7205NRRCOA720543. Total capital ratio (Column A: item 35.a divided by item 40.a)(Advanced approaches institutions that exit parallel run only: Column B:item 35.b divided by item 40.b).................................................................

Schedule RC-R Part I.B - Regulatory Capital Components and RatiosDollar amounts in thousands

44.NRRCOA720444. Tier 1 leverage ratio (item 26 divided by item 39).............................................................

45.

45. Advanced approaches institutions only: Supplementary leverage ratio (from FFIEC 101Schedule A, item 98) (effective January 1, 2015)

46.

46. Institution-specific capital buffer necessary to avoid limitations on distributions anddiscretionary bonus payments (effective January 1, 2016):

46.a.a. Capital conservation buffer

46.b.

b. (Advanced approaches institutions that exit parallel run only): Total applicable capitalbuffer

47.47. Eligible retained income (effective January 1, 2016)

48.

48. Distributions and discretionary bonus payments during the quarter (effective January 1,2016)




Schedule RC-R Part II - Risk-Weighted Assets(Column F)

Allocation byRisk Weight

Category 100%

(Column E)Allocation byRisk Weight

Category 50%

(Column D)Allocation byRisk Weight

Category 20%

(Column C)Allocation byRisk WeightCategory 0%

(Column B)Items NotSubject to

Risk-Weighting

(Column A)Totals (from

Schedule RC)Dollar amounts in thousands

RCONB602RCONB601RCONB600RCONC869RCON0010

34. Cash and balances due from depository institutions................. 34.01,21576,732077,947

RCONB607RCONB606RCONB605RCONB604RCONB603RCON1754

35. Held-to-maturity securities......................................................... 35.000000


36. Available-for-sale securities....................................................... 36.1,200053968371,844

RCONB520RCONC064RCONC063RCONC22537. Federal funds sold and securities purchased under agreementsto resell............................................................................................ 37.0000


38. Loans and leases held for sale.................................................. 38.0538000538

RCONB626RCONB625RCONB624RCONB623RCONB622RCONB528

39. Loans and leases, net of unearned income.............................. 39.94,3508,52719,53800122,415

RCON3123RCON3123

40. Allowance for loan and lease losses......................................... 40.5,8195,819


41. Trading Assets........................................................................... 41.000000

RCON5339RCONB643RCONB642RCONB641RCONB640RCONB639

42. All other assets.......................................................................... 42.11,05408,44603019,530

RCON5340RCON5334RCON5327RCON5320RCONB644RCON2170

43. Total Assets............................................................................... 43.106,6049,06529,73876,800-5,752216,455

Schedule RC-R Part II - Risk-Weighted Assets(Column F)

Allocation byRisk Weight

Category 100%


Category 50%


Category 20%


(Column B)Credit

EquivalentAmount

(Column A)Face Value or

NotionalAmountDollar amounts in thousands


44. Financial standby letters of credit.............................................. 44.000000


45. Performance standby letters of credit........................................ 45.000000


46. Commercial and similar letters of credit.................................... 46.000000




(Column F)Allocation byRisk Weight

Category 100%


Category 50%


Category 20%


(Column B)Credit

EquivalentAmount



RCONB663RCONB662RCONB661RCONB660RCON342947. Risk participations in bankers acceptances acquired by thereporting institution.......................................................................... 47.00000


48. Securities lent............................................................................ 48.000000

RCONB673RCONB672RCONB671RCONB670RCONB669RCONA25049. Retained recourse on small business obligations sold withrecourse.......................................................................................... 49.000000

RCONB543RCONB542RCONB54150. Recourse and direct credit substitutes (other than financialstandby letters of credit) subject to the low-level exposure rule andresidual interests subject to a dollar-for-dollar capital requirement.. 50.

000


51. All other financial assets sold with recourse.............................. 51.000000


52. All other off-balance sheet liabilities.......................................... 52.000000

53. Unused commitments: 53.


a. With an original maturity exceeding one year........................ 53.a.14,5830336014,91929,839

RCONG596RCONG595RCONG594RCONG593RCONG592RCONG591b. With an original maturity of one year or less to asset-backedcommercial paper conduits........................................................ 53.b.000000

RCONB695RCONB694RCONB693RCONA167

54. Derivative contracts................................................................... 54.0000

RCONB699RCONB698RCONB697RCONB69655. Total assets, derivatives, and off-balance sheet items by riskweight category............................................................................... 55.121,1879,06530,07476,800

56. Risk weight factor 56.


57. Risk-weighted assets by risk weight category........................... 57.121,1874,5336,0150

RCON1651

58. Market risk equivalent assets.................................................... 58.0

RCONB70459. Risk-weighted assets before deductions for excess allowancefor loan and lease losses and allocated transfer risk reserve......... 59.131,735

RCONA222

60. Excess allowance for loan and lease losses............................. 60.4,233

RCON3128

61. Allocated transfer risk reserve................................................... 61.0




(Column F)Allocation byRisk Weight

Category 100%


Category 50%


Category 20%


(Column B)Credit

EquivalentAmount



RCONA223

62. Total risk-weighted assets......................................................... 62.127,502




Schedule RC-R Part II - Risk-Weighted AssetsDollar amounts in thousands

M.1.0RCON8764

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

Schedule RC-R Part II - Risk-Weighted Assets(Column C) With

a remainingmaturity of over

five years

(Column B) Witha remaining

maturity of overone year

through fiveyears

(Column A) Witha remaining

maturity of oneyear or less


2. Notional principal amounts of derivative contracts: M.2.


a. Interest rate contracts.................................................................. M.2.a.00538


b. Foreign exchange contracts........................................................ M.2.b.000


c. Gold contracts............................................................................. M.2.c.000


d. Other precious metals contracts.................................................. M.2.d.000


e. Other commodity contracts......................................................... M.2.e.000

RCONA002RCONA001RCONA000

f. Equity derivative contracts............................................................ M.2.f.000

g. Credit derivative contracts: Purchased credit protection that (a)is a covered position under the market risk rule or (b) is not acovered position under the market risk rule and is not recognizedas a guarantee for risk-based capital purposes: M.2.g.


1. Investment grade................................................................... M.2.g.1.000


2. Subinvestment grade............................................................. M.2.g.2.000




Schedule RC-S - Servicing Securitization and Asset Sale Activities(Column G)

All OtherLoans, All

Leases, andAll OtherAssets

(Column F)Commercial

and IndustrialLoans

(Column E)Other

ConsumerLoans

(Column D)Auto Loans

(Column C)Credit CardReceivables

(Column B)Home Equity

Lines

(Column A)1-4 FamilyResidential

Loans


RCONB711RCONB710RCONB709RCONB708RCONB707RCONB706RCONB7051. Outstanding principal balance of assets sold and securitizedby the reporting bank with servicing retained or with recourseor other seller-provided credit enhancements........................ 1.

0000000

2. Maximum amount of credit exposure arising from recourseor other seller-provided credit enhancements provided tostructures reported in item 1 in the form of: 2.

RCONB718RCONB717RCONB716RCONB715RCONB714RCONB713RCONB712a. Credit-enhancing interest-only strips (included inSchedules RC-B or RC-F or in Schedule RC, item 5)...... 2.a.0000000

RCONC399RCONC398RCONC397RCONC396RCONC395RCONC394RCONC393

b. Subordinated securities and other residual interests..... 2.b.0000000

RCONC406RCONC405RCONC404RCONC403RCONC402RCONC401RCONC400

c. Standby letters of credit and other enhancements....... 2.c.0000000

RCONB732RCONB731RCONB730RCONB729RCONB728RCONB727RCONB7263. Reporting bank's unused commitments to provide liquidityto structures reported in item 1.............................................. 3.0000000

4. Past due loan amounts included in item 1: 4.

RCONB739RCONB738RCONB737RCONB736RCONB735RCONB734RCONB733

a. 30-89 days past due..................................................... 4.a.0000000

RCONB746RCONB745RCONB744RCONB743RCONB742RCONB741RCONB740

b. 90 days or more past due............................................. 4.b.0000000

5. Charge-offs and recoveries on assets sold and securitizedwith servicing retained or with recourse or otherseller-provided credit enhancements (calendar year-to-date): 5.

RIADB753RIADB752RIADB751RIADB750RIADB749RIADB748RIADB747

a. Charge-offs................................................................... 5.a.0000000

RIADB760RIADB759RIADB758RIADB757RIADB756RIADB755RIADB754

b. Recoveries.................................................................... 5.b.0000000

6. Amount of ownership (or seller's) interests carried as: 6.

RCONB763RCONB762RCONB761a. Securities (included in Schedule RC-B or in ScheduleRC, item 5)....................................................................... 6.a.000




(Column G)All OtherLoans, All

Leases, andAll OtherAssets

(Column F)Commercial

and IndustrialLoans

(Column E)Other

ConsumerLoans

(Column D)Auto Loans

(Column C)Credit CardReceivables

(Column B)Home Equity

Lines

(Column A)1-4 FamilyResidential

Loans

Dollar amounts in thousandsRCONB502RCONB501RCONB500

b. Loans (included in Schedule RC-C)............................. 6.b.000

7. Past due loan amounts included in interests reported initem 6.a: 7.


a. 30-89 days past due..................................................... 7.a.000


b. 90 days or more past due............................................. 7.b.000

8. Charge-offs and recoveries on loan amounts included ininterests reported in item 6.a (calendar year-to-date): 8.

RIADB772RIADB771RIADB770

a. Charge-offs................................................................... 8.a.000


b. Recoveries.................................................................... 8.b.000

RCONB782RCONB781RCONB780RCONB779RCONB778RCONB777RCONB7769. Maximum amount of credit exposure arising from creditenhancements provided by the reporting bank to otherinstitutions' securitization structures in the form of standbyletters of credit, purchased subordinated securities, and otherenhancements....................................................................... 9.

0000000

RCONB789RCONB788RCONB787RCONB786RCONB785RCONB784RCONB78310. Reporting bank's unused commitments to provide liquidityto other institutions' securitization structures......................... 10.0000000

RCONB796RCONB795RCONB794RCONB793RCONB792RCONB791RCONB79011. Assets sold with recourse or other seller-provided creditenhancements and not securitized by the reporting bank..... 11.0000000

RCONB803RCONB802RCONB801RCONB800RCONB799RCONB798RCONB79712. Maximum amount of credit exposure arising from recourseor other seller-provided credit enhancements provided toassets reported in item 11..................................................... 12.

0000000




Schedule RC-S - Servicing Securitization and Asset Sale ActivitiesDollar amounts in thousands

M.1.

1. Small business obligations transferred with recourse under Section 208 of the RiegleCommunity Development and Regulatory Improvement Act of 1994:

M.1.a.0RCONA249a. Outstanding principal balance......................................................................................

M.1.b.0RCONA250b. Amount of retained recourse on these obligations as of the report date......................

M.2.

2. Outstanding principal balance of assets serviced for others (includes participations servicedfor others):

M.2.a.0RCONB804

a. Closed-end 1-4 family residential mortgages serviced with recourse or otherservicer-provided credit enhancements............................................................................

M.2.b.66,168RCONB805

b. Closed-end 1-4 family residential mortgages serviced with no recourse or otherservicer-provided credit enhancements............................................................................

M.2.c.0RCONA591c. Other financial assets (includes home equity lines)......................................................

M.2.d.0RCONF699

d. 1-4 family residential mortgages serviced for others that are in process of foreclosureat quarter-end (includes closed-end and open-end loans)...............................................

M.3.3. Asset-backed commercial paper conduits:

M.3.a.

a. Maximum amount of credit exposure arising from credit enhancements provided toconduit structures in the form of standby letters of credit, subordinated securities, andother enhancements:

M.3.a.1.0RCONB8061. Conduits sponsored by the bank, a bank affiliate, or the bank's holding company..

M.3.a.2.0RCONB8072. Conduits sponsored by other unrelated institutions................................................

M.3.b.b. Unused commitments to provide liquidity to conduit structures:

M.3.b.1.0RCONB8081. Conduits sponsored by the bank, a bank affiliate, or the bank's holding company..

M.3.b.2.0RCONB8092. Conduits sponsored by other unrelated institutions................................................

M.4.0RCONC407

4. Outstanding credit card fees and finance charges included in Schedule RC-S, item 1,column C................................................................................................................................

Schedule RC-T - Fiduciary and Related ServicesDollar amounts in thousands

1.NoRCONA3451. Does the institution have fiduciary powers? (If "NO," do not complete Schedule RC-T.)....

2.NoRCONA3462. Does the institution exercise the fiduciary powers it has been granted?............................

3.NoRCONB867

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




Schedule RC-T - Fiduciary and Related Services(Column D) Number

of Non-ManagedAccounts

(Column C) Numberof ManagedAccounts

(Column B)Non-Managed

Assets

(Column A)Managed Assets



4. Personal trust and agency accounts..................................................................... 4.NRNRNRNR

5. Employee benefit and retirement-related trust and agency accounts: 5.


a. Employee benefit - defined contribution.......................................................... 5.a.NRNRNRNR


b. Employee benefit - defined benefit.................................................................. 5.b.NRNRNRNR


c. Other employee benefit and retirement-related accounts................................ 5.c.NRNRNRNR

RCONC002RCONC001RCONB885RCONB884

6. Corporate trust and agency accounts................................................................... 6.NRNRNRNR

RCONJ254RCONB888RCONJ253RCONB886

7. Investment management and investment advisory agency accounts................... 7.NRNRNRNR

RCONJ258RCONJ257RCONJ256RCONJ255

8. Foundation and endowment trust and agency accounts....................................... 8.NRNRNRNR


9. Other fiduciary accounts....................................................................................... 9.NRNRNRNR


10. Total fiduciary accounts (sum of items 4 through 9)............................................ 10.NRNRNRNR

RCONB899RCONB898

11. Custody and safekeeping accounts.................................................................... 11.NRNR

12. Not applicable 12.

RCONJ262RCONJ261RCONJ260RCONJ25913. Individual Retirement Accounts, Health Savings Accounts, and other similaraccounts (included in items 5.c and 11)................................................................... 13.NRNRNRNR




Schedule RC-T - Fiduciary and Related ServicesDollar amounts in thousands

14.NRRIADB90414. Personal trust and agency accounts................................................................................

15.15. Employee benefit and retirement-related trust and agency accounts:

15.a.NRRIADB905a. Employee benefit - defined contribution........................................................................

15.b.NRRIADB906b. Employee benefit - defined benefit................................................................................

15.c.NRRIADB907c. Other employee benefit and retirement-related accounts.............................................

16.NRRIADA47916. Corporate trust and agency accounts..............................................................................

17.NRRIADJ31517. Investment management and investment advisory agency accounts..............................

18.NRRIADJ31618. Foundation and endowment trust and agency accounts..................................................

19.NRRIADA48019. Other fiduciary accounts...................................................................................................

20.NRRIADB90920. Custody and safekeeping accounts..................................................................................

21.NRRIADB91021. Other fiduciary and related services income....................................................................

22.0RIAD4070

22. Total gross fiduciary and related services income (sum of items 14 through 21) (mustequal Schedule RI, item 5.a)..................................................................................................

23.NRRIADC05823. Less: Expenses................................................................................................................

24.NRRIADA48824. Less: Net losses from fiduciary and related services.......................................................

25.NRRIADB91125. Plus: Intracompany income credits for fiduciary and related services..............................

26.NRRIADA49126. Net fiduciary and related services income........................................................................

Schedule RC-T - Fiduciary and Related Services(Column C) All

Other Accounts(Column B)Employee

Benefit andRetirement-Related

Trust andAgency

Accounts

(Column A)Personal Trust

and Agency andInvestment

ManagementAgency

AccountsDollar amounts in thousands

1. Managed assets held in fiduciary accounts: M.1.

RCONJ265RCONJ264RCONJ263

a. Noninterest-bearing deposits...................................................... M.1.a.NRNRNR


b. Interest-bearing deposits............................................................. M.1.b.NRNRNR


c. U.S. Treasury and U.S. Government agency obligations............. M.1.c.NRNRNR


d. State, county, and municipal obligations..................................... M.1.d.NRNRNR


e. Money market mutual funds........................................................ M.1.e.NRNRNR


f. Equity mutual funds...................................................................... M.1.f.NRNRNR


g. Other mutual funds...................................................................... M.1.g.NRNRNR


h. Common trust funds and collective investment funds................. M.1.h.NRNRNR


i. Other short-term obligations......................................................... M.1.i.NRNRNR


j. Other notes and bonds................................................................. M.1.j.NRNRNR




(Column C) AllOther Accounts

(Column B)Employee

Benefit andRetirement-Related

Trust andAgency

Accounts

(Column A)Personal Trust

and Agency andInvestment

ManagementAgency

AccountsDollar amounts in thousandsRCONJ295RCONJ294RCONJ293k. Investments in unregistered funds and private equity

investments..................................................................................... M.1.k.NRNRNR


l. Other common and preferred stocks............................................ M.1.l.NRNRNR


m. Real estate mortgages............................................................... M.1.m.NRNRNR


n. Real estate.................................................................................. M.1.n.NRNRNR


o. Miscellaneous assets.................................................................. M.1.o.NRNRNR

RCONJ310RCONJ309RCONJ308p.Total managed assets held in fiduciary accounts (for each column,sum of Memorandum items 1.a through 1.o).................................. M.1.p.NRNRNR

Schedule RC-T - Fiduciary and Related Services(Column B) Number of

Managed Accounts(Column A) Managed

AssetsDollar amounts in thousands

M.1.q.NRRCONJ312NRRCONJ311

q. Investments of managed fiduciary accounts in advised or sponsoredmutual funds.............................................................................................

Schedule RC-T - Fiduciary and Related Services(Column B) PrincipalAmount Outstanding

(Column A) Number ofIssuesDollar amounts in thousands

M.2.2. Corporate trust and agency accounts:

M.2.a.NRRCONB928NRRCONB927a. Corporate and municipal trusteeships.............................................

M.2.a.1.NRRCONJ314NRRCONJ3131. Issues reported in Memorandum item 2.a that are in default.....

M.2.b.NRRCONB929

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

Schedule RC-T - Fiduciary and Related Services(Column B) Market Value

of Fund Assets(Column A) Number of

FundsDollar amounts in thousands

M.3.3. Collective investment funds and common trust funds:

M.3.a.NRRCONB932NRRCONB931a. Domestic equity...............................................................................

M.3.b.NRRCONB934NRRCONB933b. International/Global equity...............................................................

M.3.c.NRRCONB936NRRCONB935c. Stock/Bond blend.............................................................................

M.3.d.NRRCONB938NRRCONB937d. Taxable bond...................................................................................

M.3.e.NRRCONB940NRRCONB939e. Municipal bond................................................................................

M.3.f.NRRCONB942NRRCONB941f. Short term investments/Money market.............................................

M.3.g.NRRCONB944NRRCONB943g. Specialty/Other................................................................................

M.3.h.NRRCONB946NRRCONB945

h. Total collective investment funds (sum of Memorandum items 3.athrough 3.g).........................................................................................




Schedule RC-T - Fiduciary and Related Services(Column C)Recoveries

(Column B)Gross LossesNon-Managed

Accounts

(Column A)Gross Losses

ManagedAccountsDollar amounts in thousands

4. Fiduciary settlements, surcharges, and other losses: M.4.


a. Personal trust and agency accounts........................................... M.4.a.NRNRNR

RIADB952RIADB951RIADB950b. Employee benefit and retirement-related trust and agencyaccounts.......................................................................................... M.4.b.NRNRNR


c. Investment management agency accounts................................. M.4.c.NRNRNR


d. Other fiduciary accounts and related services............................ M.4.d.NRNRNR

RIADB961RIADB960RIADB959e. Total fiduciary settlements, surcharges, and other losses (sumof Memorandum items 4.a through 4.d) (sum of columns A and Bminus column C must equal Schedule RC-T, item 24).................... M.4.e.

NRNRNR

Schedule RC-V - Variable Interest Entities(Column C)Other VIEs

(Column B)ABCP Conduits

(Column A)Securitization

VehiclesDollar amounts in thousands

1. Assets of consolidated variable interest entities (VIEs) that can beused only to settle obligations of the consolidated VIEs: 1.


a. Cash and balances due from depository institutions................... 1.a.000


b. Held-to-maturity securities........................................................... 1.b.000


c. Available-for-sale securities......................................................... 1.c.000


d. Securities purchased under agreements to resell....................... 1.d.000


e. Loans and leases held for sale.................................................... 1.e.000


f. Loans and leases, net of unearned income................................. 1.f.000

RCONK002RCONK001RCONJ999

g. Less: Allowance for loan and lease losses.................................. 1.g.000


h. Trading assets (other than derivatives)........................................ 1.h.000


i. Derivative trading assets.............................................................. 1.i.000


j. Other real estate owned............................................................... 1.j.000


k. Other assets................................................................................ 1.k.000

2. Liabilities of consolidated VIEs for which creditors do not haverecourse to the general credit of the reporting bank: 2.


a. Securities sold under agreements to repurchase........................ 2.a.000




(Column C)Other VIEs

(Column B)ABCP Conduits

(Column A)Securitization

VehiclesDollar amounts in thousandsRCONK020RCONK019RCONK018

b. Derivative trading liabilities.......................................................... 2.b.000


c. Commercial paper....................................................................... 2.c.000


d. Other borrowed money (exclude commercial paper).................. 2.d.000


e. Other liabilities............................................................................. 2.e.000

RCONK032RCONK031RCONK0303. All other assets of consolidated VIEs (not included in items 1.a.through 1.k above)................................................................................ 3.000

RCONK035RCONK034RCONK0334. All other liabilities of consolidated VIEs (not included in items 2.athrough 2.e above)................................................................................ 4.000

General InstructionsDollar amounts in thousands

1.1. Who Must Report on What Forms

1.a.a. Close of Business

1.b.b. Frequency of Reporting

1.c.c. Differences in Detail of Reports

1.d.d. Shifts in Reporting Status

2.2. Organization of the Instruction Books

3.3. Preparation of the Reports

4.4. Signatures

4.a.a. Officer Declaration

4.b.b. Director Attestation

5.5. Submission of the Reports

5.a.a. Submission Date

5.b.b. Amended Reports

6.6. Retention of Reports

7.7. Scope of the "Consolidated Bank" Required to be Reported in the Submitted Reports

7.a.a. Exclusions from the Coverage of the Consolidated Report

8.8. Rules of Consolidation

9.9. Reporting by Type of Office (For banks with foreign offices)

10.10. Publication Requirements for the Report of Condition

11.11. Release of Individual Bank Reports

12.

12. Applicability of Generally Accepted Accounting Principles to Regulatory ReportingRequirements

13.13. Accrual Basis Reporting

14.14. Miscellaneous General Instructions

14.a.a. Rounding

14.b.b. Negative Entries

14.c.c. Verification

14.d.d. Transactions Occurring Near the End of a Reporting Period

15.15. Separate Branch Reports




GlossaryDollar amounts in thousands

1.1. Glossary

2.2. Acceptances

3.3. Accounting Changes

4.4. Accounting Errors, Corrections of

5.5. Accounting Estimates, Changes in

6.6. Accounting Principles, Changes in

7.7. Accrued Interest Receivable Related to Credit Card Securitizations

8.8. Acquisition, Development, or Construction (ADC) Arrangements

9.9. Agreement Corporation

10.10. Allowance for Loan and Lease Losses

11.11. Applicable Income Taxes

12.12. Associated Company

13.13. ATS Account

14.14. Bankers Acceptances

14.a.a. Bank-Owned Life Insurance

15.15. Banks, U.S. and Foreign

16.16. Banks in Foreign Countries

17.17. Bill-of-Lading Draft

18.18. Borrowings and Deposits in Foreign Offices

19.19. Brokered Deposits

20.20. Broker's Security Draft

21.21. Business Combinations

22.22. Call Option

22.a.a. Capital Contributions of Cash and Notes Receivable

23.23. Capitalization of Interest Costs

24.24. Carrybacks and Carryforwards

25.25. Cash Management Arrangements

26.26. Certificate of Deposit

27.27. Changes in Accounting Estimates

28.28. Changes in Accounting Principles

29.29. Clearing Accounts

30.30. Commercial Banks in the U.S.

31.31. Commercial Letter of Credit

32.32. Commercial Paper

33.33. Commodity or Bill-of-Lading Draft

34.34. Common Stock of Unconsolidated Subsidaries, Investments in

35.35. Continuing Contract

36.36. Corporate Joint Venture

37.37. Corrections of Accounting Errors

38.38. Coupon Stripping, Treasury Receipts, and STRIPS

39.39. Custody Account

40.40. Dealer Reserve Account

40.a.a. Deferred Compensation Agreements

41.41. Deferred Income Taxes

41.a.a. Defined Benefit Postretirement Plans

42.42. Demand Deposits

43.43. Depository Institutions in the U.S.

44.44. Deposits

45.45. Derivative Contracts





45.a.a. Discounts

46.46. Dividends

47.47. Domestic Office

48.48. Domicile

49.49. Due Bills

50.50. Edge and Agreement Corporation

50.a.a. Equity-Indexed Certificates of Deposit

51.51. Equity Method of Accounting

52.52. Extinguishments of Liabilities

53.53. Extraordinary Items

54.54. Fails

54.a.a. Fair Value

55.55. Federal Funds Transactions

56.56. Federally-Sponsored Lending Agency

57.57. Fees, Loan

58.58. Foreclosed Assets

59.59. Foreign Banks

60.60. Foreign Currency Transactions and Translation

61.61. Foreign Debt Exchange Transactions

62.62. Foreign Governments and Official Institutions

63.63. Foreign Office

64.64. Forward Contracts

65.65. Functional Currency

66.66. Futures Contracts

67.67. Goodwill

68.68. Hypothecated Deposit

69.69. IBF

70.70. Income Taxes

71.71. Intangible Assets

72.72. Interest-Bearing Account

73.73. Interest Capitalization

74.74. Interest Rate Swaps

75.75. Internal-Use Computer Software

76.76. International Banking Facility (IBF)

77.77. Interoffice Accounts

78.78. Investments in Common Stock of Unconsolidated Subsidiaries

79.79. Joint Venture

80.80. Lease Accounting

81.81. Letter of Credit

82.82. Limited-Life Preferred Stock

83.83. Loan

84.84. Loan Fees

85.85. Loan Impairment

86.86. Loan Secured by Real Estate

87.87. Loss Contingencies

88.88. Majority-Owned Subsidiary

89.89. Mandatory Convertible Debt

91.91. Mergers

92.92. Money Market Deposit Account (MMDA)

93.93. Nonaccrual Status

94.94. Noninterest-Bearing Account





95.95. Nontransaction Account

96.96. NOW Account

97.97. Offsetting

98.98. One-Day Transaction

99.99. Option

100.100. Organization Costs

101.101. Other Depository Institutions in the U.S.

102.102. Other Real Estate Owned

103.103. Overdraft

104.104. Participations

105.105. Participations in Acceptances

106.106. Participations in Pools of Securities

107.107. Pass-through Reserve Balances

108.108. Perpetual Preferred Stock

109.109. Placements and Takings

110.110. Pooling of Interests

111.111. Preauthorized Transfer Account

112.112. Preferred Stock

113.113. Premiums and Discounts

114.114. Purchase Acquisition

114.a.a. Purchased Impaired Loans and Debt Securities

115.115. Put Option

116.116. Real Estate ADC Arrangements

117.117. Real Estate, Loan Secured By

118.118. Reciprocal Balances

119.119. Renegotiated Troubled Debt

120.120. Reorganizations

121.121. Repurchase/Resale Agreements

122.122. Reserve Balances, Pass-through

123.123. Retail Sweep Arrangements

124.124. Sales of Assets for Risk-Based Capital Purposes

125.125. Savings Deposits

126.126. Securities Activities

127.127. Securities Borrowing/Lending Transactions

128.128. Securities, Participations in Pools of

129.129. Servicing Assets and Liabilities

130.130. Settlement Date Accounting

131.131. Shell Branches

132.132. Short Position

133.133. Significant Subsidary

134.134. Standby Letter of Credit

135.135. Start-Up Activities

136.136. STRIPS

137.137. Subordinated Notes and Debentures

138.138. Subsidiaries

139.139. Suspense Accounts

140.140. Syndications

141.141. Telephone Transfer Account

142.142. Term Federal Funds

143.143. Time Deposits

144.144. Trade Date and Settlement Date Accounting





145.145. Trading Account

146.146. Transction Account

147.147. Transfers of Financial Assets

148.148. Traveler's Letter of Credit

149.149. Treasury Receipts

150.150. Treasury Stock

151.151. Troubled Debt Restructurings

152.152. Trust Preferred Securities

153.153. U.S. Banks

154.154. U.S. Territories and Possessions

155.155. Valuation Allowance

156.156. When-Issued Securities Transactions


