SUFFOLK BANCORP - FORM 8-K - EX-99.2 - SUFFOLK COUNTY NATIONAL BANK'S CONSOLIDATED REPORT

Attached files

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8-K - FORM 8-K - SUFFOLK BANCORP	d250623d8k.htm
EX-99.1 - EARNINGS RELEASE - SUFFOLK BANCORP	d250623dex991.htm

Exhibit 99.2

Federal Financial Institutions Examination Council

Board of Governors of the Federal Reserve System

OMB Number: 7100-0036

Federal Deposit Insurance Corporation

OMB Number: 3064-0052

Office of the Comptroller of the Currency

OMB Number: 1557-0081

Expires December 31, 2011

Consolidated Reports of Condition and Income for

A Bank With Domestic Offices Only—FFIEC 041

Report at the close of business September 30, 2011

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

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

NOTE: Each bank’s board of directors and senior management are responsible for establishing and maintaining an effective system of internal control, including controls over the Reports of Condition and Income. The Reports of Condition and Income are to be prepared in accordance with Federal regulatory authority instructions. The Reports of Condition and Income must be signed by the Chief Financial Officer (CFO) of the reporting bank (or by the individual performing an equivalent function) and attested to by not less than two directors (trustees) for State nonmember banks and three directors for State member and National banks.

I, the undersigned CFO (or equivalent) of the named bank, attest that the Reports of Condition and Income (including the supporting schedules) for this report date have been prepared in conformance with the instructions issued by the appropriate Federal regulatory authority and are true and correct to the best of my knowledge and belief.

Signature of Chief Financial Officer (or Equivalent)

Date of Signature

We, the undersigned directors (trustees), attest to the correctness of the Reports of Condition and Income (including the supporting schedules) for this report date and declare that the Reports of Condition and Income have been examined by us and to the best of our knowledge and belief have been prepared in conformance with the instructions issued by the appropriate Federal regulatory authority and are true and correct.

Director (Trustee)

Submission of Reports

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

(a)	Using computer software to prepare its Call Report and then submitting the report data directly to the FFIEC’s Central Data Repository (CDR), an Internet-based system for data collection (https://cdr.ffiec.gov/cdr/), or

(b)	Completing its Call Report in paper form and arranging with a software vendor or another party to convert the data into the electronic format that can be processed by the CDR. The software vendor or other party then must electronically submit the bank’s data file to the CDR.

For technical assistance with submissions to the CDR, please contact the CDR Help Desk by telephone at (888) CDR-3111, by fax at (301) 495-7864, or by e-mail at CDR.Help@ffiec.gov.

FDIC Certificate Number 7278

(RSSD 9050)

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

The appearance of your bank’s hard-copy record of the submitted data file need not match exactly the appearance of the FFIEC’s sample report forms, but should show at least the caption of each Call Report item and the reported amount.

The Suffolk County National Bank

Legal Title of Bank (RSSD 9017)

Riverhead

City (RSSD 9130)


NY		11901-9000
State Abbrev. (RSSD 9200)		Zip Code (RSSD 9220)

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

Contact Information for the Reports of Condition and Income

To facilitate communication between the Agencies and the bank concerning the Reports of Condition and Income, please provide contact information for (1) the Chief Financial Officer (or equivalent) of the bank signing the reports for this quarter and (2) the person at the bank—other than the Chief Financial Officer (or equivalent)—to whom questions about the reports should be directed. If the Chief Financial Officer (or equivalent) is the primary contact for questions about the reports, please provide contact information for another person at the bank who will serve as a secondary contact for communications between the Agencies and the bank concerning the Reports of Condition and Income. Enter ‘none’ for the contact’s e-mail address or fax number if not available. Contact information for the Reports of Condition and Income is for the confidential use of the Agencies and will not be released to the public.


Chief Financial Officer (or Equivalent) Signing the Reports				Other Person to Whom Questions about the Reports Should be Directed

J. Gordon Huszagh				J. Gordon Huszagh
Name (TEXT C490)				Name (TEXT C495)

President & CEO				President & CEO
Title (TEXT C491)				Title (TEXT C496)

ghuszagh@scnb.com				ghuszagh@scnb.com
E-mail Address (TEXT C492)				E-mail Address (TEXT 4086)

(631)208-2404				(631)208-2404
Telephone: Area code/phone number/extension (TEXT C493)				Telephone: Area code/phone number/extension (TEXT 8902)

(631)369-2230				(631)369-2230
FAX: Area code/phone number (TEXT C494)				FAX: Area code/phone number (TEXT 9116)

Emergency Contact Information

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


Primary Contact				Secondary Contact

J. Gordon Huszagh				Aldo Columbano
Name (TEXT C366)				Name (TEXT C371)

President & CEO				SVP & Comptroller
Title (TEXT C367)				Title (TEXT C372)

ghuszagh@scnb.com				acolumba@scnb.com
E-mail Address (TEXT C368)				E-mail Address (TEXT C373)

(631)208-2404				(631)208-2273
Telephone: Area code/phone number/extension (TEXT C369)				Telephone: Area code/phone number/extension (TEXT C374)

(631)369-2230				(631)369-2230
FAX: Area code/phone number (TEXT C370)				FAX: Area code/phone number (TEXT C375)

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

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

Please provide information for a primary and secondary contact. Information for a third and fourth contact may be provided at the bank’s option. Enter “none” for the contact’s e-mail address if not available. This contact information is for the confidential use of the Agencies, FinCEN, and law enforcement officers and will not be released to the public.


Primary Contact				Secondary Contact

Jeanne P. Kelley				Linda Follett
Name (TEXT C437)				Name (TEXT C442)

Sr Vice President, Risk Manager				Vice President, BSA Officer
Title (TEXT C438)				Title (TEXT C443)

Compliance@scnb.com				Compliance@scnb.com
E-mail Address (TEXT C439)				E-mail Address (TEXT C444)

(631)208-2292				(631)208-2293
Telephone: Area code/phone number/extension (TEXT C440)				Telephone: Area code/phone number/extension (TEXT C445)

Third Contact				Fourth Contact


Name (TEXT C870)				Name (TEXT C875)


Title (TEXT C871)				Title (TEXT C876)


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


Telephone: Area code/phone number/extension (TEXT C873)				Telephone: Area code/phone number/extension (TEXT C878)

Schedule RI 4

Consolidated Report of Income

for the period January 1, 2011 - September 30, 2011

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

Schedule RI - Income Statement


Dollar Amounts in Thousands		Bil	Mil	Thou
1. Interest income:
a. Interest and fee income on loans:
(1) Loans secured by real estate:
(a) Loans secured by 1-4 family residential properties	RIA D4435	10,572			1.a.(1)(a)
(b) All other loans secured by real estate	RIA D4436	23,575			1.a.(1)(b)
(2) Commercial and industrial loans	RIA D4012	9,701			1.a.(2)
(3) Loans to individuals for household, family, and other personal expenditures:
(a) Credit cards	RIA DB485	0			1.a.(3)(a)
(b) Other (includes single payment, installment, all student loans, and revolving credit plans other than credit cards)	RIA DB486	3,041			1.a.(3)(b)
(4) Loans to foreign governments and official institutions	RIA D4056	0			1.a.(4)
(5) All other loans ⁽¹⁾	RIA D4058	599			1.a.(5)
(6) Total interest and fee income on loans (sum of items 1.a.(1)(a) through 1.a.(5))	RIA D4010	47,488			1.a.(6)
b. Income from lease financing receivables	RIA D4065	0			1.b.
c. Interest income on balances due from depository institutions ⁽²⁾	RIA D4115	140			1.c.
d. Interest and dividend income on securities:
(1) U.S. Treasury securities and U.S. Government agency obligations (excluding mortgage-backed securities)	RIA DB488	433			1.d.(1)
(2) Mortgage-backed securities	RIA DB489	4,558			1.d.(2)
(3) All other securities (includes securities issued by states and political subdivisions in the U.S.)	RIA D4060	5,374			1.d.(3)
e. Interest income from trading assets	RIA D4069	0			1.e.
f. Interest income on federal funds sold and securities purchased under agreements to resell	RIA D4020	0			1.f.
g. Other interest income	RIA D4518	162			1.g.
h. Total interest income (sum of items 1.a.(6) through 1.g)	RIA D4107	58,155			1.h.
2. Interest expense:
a. Interest on deposits:
(1) Transaction accounts (interest-bearing demand deposits, NOW accounts, ATS accounts, and telephone and preauthorized transfer accounts)	RIA D4508	35			2.a.(1)
(2) Nontransaction accounts:
(a) Savings deposits (includes MMDAs)	RIA D0093	1,583			2.a.(2)(a)
(b) Time deposits of $100,000 or more	RIA DA517	1,576			2.a.(2)(b)
(c) Time deposits of less than $100,000	RIA DA518	985			2.a.(2)(c)
b. Expense of federal funds purchased and securities sold under agreements to repurchase	RIA D4180	1			2.b.
c. Interest on trading liabilities and other borrowed money	RIA D4185	653			2.c.

(1)

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

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

Schedule RI 5

Schedule RI - Continued


Dollar Amounts in Thousands		Bil	Mil	Thou
d. Interest on subordinated notes and debentures	RIA D4200	0			2.d.
e. Total interest expense (sum of items 2.a through 2.d)	RIA D4073	4,833			2.e.
3. Net interest income (item 1.h minus 2.e)	RIA D4074	53,322			3.
4. Provision for loan and lease losses	RIA D4230	24,088			4.
5. Noninterest income:
a. Income from fiduciary activities ⁽¹⁾	RIA D4070	644			5.a.
b. Service charges on deposit accounts	RIA D4080	2,952			5.b.
c. Trading revenue ⁽²⁾	RIA DA220	0			5.c.
d.
(1) Fees and commissions from securities brokerage	RIA DC886	303			5.d.(1)
(2) Investment banking, advisory, and underwriting fees and commissions	RIA DC888	0			5.d.(2)
(3) Fees and commissions from annuity sales	RIA DC887	351			5.d.(3)
(4) Underwriting income from insurance and reinsurance activities	RIA DC386	29			5.d.(4)
(5) Income from other insurance activities	RIA DC387	211			5.d.(5)
e. Venture capital revenue	RIA DB491	0			5.e.
f. Net servicing fees	RIA DB492	0			5.f.
g. Net securitization income	RIA DB493	0			5.g.
h. Not applicable
i. Net gains (losses) on sales of loans and leases	RIA D5416	332			5.i.
j. Net gains (losses) on sales of other real estate owned	RIA D5415	0			5.j.
k. Net gains (losses) on sales of other assets (excluding securities)	RIA DB496	(31)			5.k.
l. Other noninterest income ^(*)	RIA DB497	2,240			5.l.
m. Total noninterest income (sum of items 5.a. through 5.l)	RIA D4079	7,031			5.m.
6.
a. Realized gains (losses) on held-to-maturity securities	RIA D3521	0			6.a.
b. Realized gains (losses) on available-for-sale securities	RIA D3196	1,645			6.b.
7. Noninterest expense:
a. Salaries and employee benefits	RIA D4135	23,458			7.a.
b. Expenses of premises and fixed assets (net of rental income) (excluding salaries and employee benefits and mortgage interest)	RIA D4217	5,842			7.b.
c.
(1) Goodwill impairment losses	RIA DC216	0			7.c.(1)
(2) Amortization expense and impairment losses for other intangible assets	RIA DC232	14			7.c.(2)
d. Other noninterest expense ^(*)	RIA D4092	14,121			7.d.
e. Total noninterest expense (sum of items 7.a. through 7.d)	RIA D4093	43,435			7.e.
8. Income (loss) before income taxes and extraordinary items and other adjustments (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e.)	RIA D4301	(5,525)			8.
9. Applicable income taxes (on item 8)	RIA D4302	(4,552)			9.
10. Income (loss) before extraordinary items and other adjustments (item 8 minus item 9)	RIA D4300	(973)			10.
11. Extraordinary items and other adjustments, net of income taxes ^(*)	RIA D4320	0			11.
12. Net income (loss) attributable to bank and noncontrolling (minority) interests (sum of items 10 and 11)
	RIA DG104	(973)			12.
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)	RIA DG103	0			13.
14. Net income (loss) attributable to bank (item 12 minus item 13)	RIA D4340	(973)			14.

(1)	For banks required to complete Schedule RC-T, items 14 through 22, income from fiduciary activities reported in Schedule RI, item 5.a. must equal the amount reported in Schedule RC-T, item 22.

(2)	For banks required to complete Schedule RI, Memorandum item 8, trading revenue reported in Schedule RI, item 5.c. must equal the sum of Memorandum items 8.a through 8.e.

(*)	Describe on Schedule RI-E - Explanations

Schedule RI 6

Schedule RI - Continued

Memoranda

Dollar Amounts in Thousands

Bil

Mil

Thou

1. Interest expense incurred to carry tax-exempt securities, loans, and leases acquired after August 7, 1986, that is not deductible for federal income tax purposes

RIA D4513

M.1.

Memorandum item 2 is to be completed by banks with $1 billion or more in total assets. ⁽¹⁾

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

RIA D8431

683

M.2.

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)

RIA D4313

M.3.

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

RIA D4507

5,332

M.4.

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

RIA D4150

366

M.5.

Memorandum item 6 is to be completed by: ⁽¹⁾

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

— banks with less than $300 million in total assets that have loans to finance agricultural production and other loans to farmers (Schedule RC-C, part I, item 3) exceeding five percent of total loans.

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

RIA D4024

599

M.6.

7. If the reporting bank has restated its balance sheet as a result of applying push down accounting this calendar year, report the date of the bank’s acquisition ⁽²⁾

RIA D9106

M.7.

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

Memorandum items 8.a through 8.e are to be completed by banks that reported average trading assets (Schedule RC-K, item 7) of $2 million or more for any quarter of the preceding calendar year.

a. Interest rate exposures

RIA D8757

N/A

M.8.a.

b. Foreign exchange exposures

RIA D8758

N/A

M.8.b.

c. Equity security and index exposures

RIA D8759

N/A

M.8.c.

d. Commodity and other exposures

RIA D8760

N/A

M.8.d.

e. Credit exposures

RIA DF186

N/A

M.8.e.

Memorandum items 8.f and 8.g are to be completed by banks with $100 billion or more in total assets that are required to complete Schedule RI, Memorandum items 8.a through 8.e, above. ⁽¹⁾

f. Impact on trading revenue of changes in the creditworthiness of the bank’s derivatives counterparties on the bank’s derivative assets (included in Memorandum items 8.a through 8.e above)

RIA DK090

N/A

M.8.f.

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

RIA DK094

N/A

M.8.g.

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

a. Net gains (losses) on credit derivatives held for trading

RIA DC889

M.9.a.

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

RIA DC890

M.9.b.

10. To be completed by banks with $300 million or more in total assets: ⁽¹⁾

Credit losses on derivatives (see instructions)

RIA DA251

M.10.

Yes/No

11. Does the reporting bank have a Subchapter Selection in effect for federal income tax purposes for the current tax year?

RIA DA530

M.11.

Dollar Amounts in Thousands

Bil

Mil

Thou

Memorandum item 12 is to be completed by banks that are required to complete Schedule RC-C, part I, Memorandum items 8.b and 8.c

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

RIA DF228

N/A

M.12.

(1)	The asset size tests and the 5% of total loans test are generally based on the total assets and loans reported on the June 30, 2010, Report of Condition.

(2)	For example, a bank acquired on March 1, 2011 would report 20110301.

Schedule RI 7

Schedule RI - Continued

Memoranda (continued)

Dollar Amounts in Thousands

Bil

Mil

Thou

Memorandum item 13 is to be completed by banks that have elected to account for assets and liabilities under a fair value option.

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

a. Net gains (losses) on assets

RIA DF551

N/A

M.13.a.

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

RIA DF552

N/A

M.13.a.(1)

b. Net gains (losses) on liabilities

RIA DF553

N/A

M.13.b.

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

RIA DF554

N/A

M.13.b.(1)

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

a. Total other-than-temporary impairment losses

RIA DJ319

M.14.a.

b. Portion of losses recognized in other comprehensive income (before income taxes)

RIA DJ320

M.14.b.

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

RIA DJ321

M.14.c.

Schedule RIA 8

Schedule RI-A - Changes in Bank Equity Capital

Indicate decreases and losses in parentheses.


Dollar Amounts in Thousands		Bil	Mil	Thou
1. Total bank equity capital most recently reported for the December 31, 2010, Reports of Condition and Income (i.e., after adjustments from amended Reports of Income)	RIA D3217	143,262			1.
2. Cumulative effect of changes in accounting principles and corrections of material accounting errors ^(*)	RIA DB507	(8,764)			2.
3. Balance end of previous calendar year as restated (sum of items 1 and 2)	RIA DB508	134,498			3.
4. Net income (loss) attributable to bank (must equal Schedule RI, item 14)	RIA D4340	(973)			4.
5. Sale, conversion, acquisition, or retirement of capital stock, net (excluding treasury stock transactions)	RIA DB509	0			5.
6. Treasury stock transactions, net	RIA DB510	0			6.
7. Changes incident to business combinations, net	RIA D4356	0			7.
8. LESS: Cash dividends declared on preferred stock	RIA D4470	0			8.
9. LESS: Cash dividends declared on common stock	RIA D4460	0			9.
10. Other comprehensive income ⁽¹⁾	RIA DB511	3,958			10.
11. Other transactions with parent holding company ^(*) (not included in items 5, 6, 8, or 9 above)	RIA D4415	2,000			11.
12. Total bank equity capital end of current period (sum of items 3 through 11) (must equal Schedule RC, item 27.a)	RIA D3210	139,483			12.

(*)	Describe on Schedule RI-E - Explanations

(1)	Includes changes in net unrealized holding gains (losses) on available-for-sale securities, changes in accumulated net gains (losses) on cash flow hedges, and pension and other postretirement plan-related changes other than net periodic benefit cost.

Schedule RIBI 9

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

Part I. Charge-offs ⁽¹⁾ and Recoveries on Loans and Leases

Part I includes charge-offs and recoveries through the allocated transfer risk reserve.

Dollar Amounts in Thousands

(Column A)
Charge-offs: Calendar YTD

(Column B)
Recoveries: Calendar YTD

1. Loans secured by real estate:

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

(1) 1-4 family residential construction loans

RIA DC891

RIA DC892

1.a.(1)

(2) Other construction loans and all land development and other land loans

RIA DC893

232

RIA DC894

1.a.(2)

b. Secured by farmland

RIA D3584

RIA D3585

1.b.

c. Secured by 1-4 family residential properties:

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

RIA D5411

191

RIA D5412

1.c.(1)

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

(a) Secured by first liens

RIA DC234

363

RIA DC217

1.c.(2)(a)

(b) Secured by junior liens

RIA DC235

RIA DC218

1.c.(2)(b)

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

RIA D3588

RIA D3589

1.d.

e. Secured by nonfarm nonresidential properties:

(1) Loans secured by owner-occupied nonfarm nonresidential properties

RIA DC895

358

RIA DC896

1.e.(1)

(2) Loans secured by other nonfarm nonresidential properties

RIA DC897

1,474

RIA DC898

1.e.(2)

2. Loans to depository institutions and acceptances of other banks

RIA D4481

RIA D4482

3. Not applicable

4. Commercial and industrial loans

RIA D4638

6,180

RIA D4608

551

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

a. Credit cards

RIA DB514

RIA DB515

5.a.

b. Automobile loans

RIA DK129

RIA DK133

5.b.

c. Other consumer loans (includes single payment, installment, all student loans, and revolving credit plans other than credit cards)

RIA DK205

161

RIA DK206

5.c.

6. Loans to foreign governments and official institutions

RIA D4643

RIA D4627

7. All other loans ⁽²⁾

RIA D4644

356

RIA D4628

8. Lease financing receivables

RIA D4266

RIA D4267

9. Total (sum of items 1 through 8)

RIA D4635

9,380

RIA D4605

617

(1)	Include write-downs arising from transfers of loans to a held-for-sale account.

(2)	Includes charge-offs and recoveries on “Loans to finance agricultural production and other loans to farmers,” “Obligations (other than securities and leases) of states and political subdivisions in the U.S.,” and “Loans to nondepository financial institutions and other loans.”

Schedule RIBI 10

Schedule RI-B - Continued

Part I. Continued

Memoranda

Dollar Amounts in Thousands

(Column A)
Charge-offs: Calendar YTD

(Column B)
Recoveries: Calendar YTD

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

RIA D5409

RIA D5410

M.1.

2. Memorandum items 2.a thru 2.d are to be completed by banks with $300 million or more in total assets: ⁽²⁾

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

RIA D4652

RIA D4662

M.2.a.

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

RIA D4654

RIA D4664

M.2.b.

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

RIA D4646

RIA D4618

M.2.c.

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

RIA DF185

RIA DF187

M.2.d.

3. Memorandum item 3 is to be completed by: ⁽²⁾

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

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

RIA D4655

356

RIA D4665

M.3.

Dollar Amounts in Thousands

Bil

Mil

Thou

Memorandum item 4 is to be completed by banks that (1) together with affiliated institutions, have outstanding credit card receivables (as defined in the instructions) that exceed $500 million as of the report date or (2) are credit card specialty banks as defined for Uniform Bank Performance Report purposes.

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)

RIA DC388

N/A

M.4.

(2)	The $300 million asset size test and the five percent of total loans test are generally based on the total assets and total loans reported on the June 30, 2010, Report of Condition.

Schedule RIBII 11

Schedule RI-B - Continued

Part II. Changes in Allowance for Loan and Lease Losses


Dollar Amounts in Thousands		Bil	Mil	Thou
1. Balance most recently reported for the December 31, 2010, Reports of Condition and Income (i.e., after adjustments from amended Reports of Income)	RIA DB522	21,288			1.
2. Recoveries (must equal part I, item 9, column B, above)	RIA D4605	617			2.
3. LESS: Charge-offs (must equal part I, item 9, column A, above less Schedule RI-B, part II, item 4)	RIA DC079	9,380			3.
4. LESS: Write-downs arising from transfers of loans to a held-for-sale account	RIA D5523	0			4.
5. Provision for loan and lease losses (must equal Schedule RI, item 4)	RIA D4230	24,088			5.
6. Adjustments (see instructions for this schedule) ^(*)	RIA DC233	7,080			6.
7. Balance end of current period (sum of items 1, 2, 5, and 6, less items 3 and 4) (must equal Schedule RC, item 4.c)	RIA D3123	43,693			7.

Memoranda

Dollar Amounts in Thousands		Bil	Mil	Thou
1. Allocated transfer risk reserve included in Schedule RI-B, part II, item 7, above	RIA DC435	0			M.1.

Memorandum items 2 and 3 are to be completed by banks that (1) together with affiliated institutions, have outstanding credit card receivables (as defined in the instructions) that exceed $500 million as of the report date or (2) are credit card specialty banks as defined for Uniform Bank Performance Report purposes.
2. Separate valuation allowance for uncollectible retail credit card fees and finance charges	RIA DC389	N/A			M.2.
3. Amount of allowance for loan and lease losses attributable to retail credit card fees and finance charges	RIA DC390	N/A			M.3.

Memorandum item 4 is to be completed by all banks.
4. Amount of allowance for post-acquisition losses on purchased impaired loans accounted for in accordance with FASB ASC 310-30 (former AICPA Statement of Position 03-3) (included in Schedule RI-B, part II, item 7, above)	RIA DC781	0			M.4.

(*)	Describe on Schedule RI-E - Explanations

Schedule RIE 12

Schedule RI-E - Explanations

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

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


Dollar Amounts in Thousands		Bil	Mil	Thou
1. Other noninterest income (from Schedule RI, item 5.l) Itemize and describe amounts greater than $25,000 that exceed 3% of Schedule RI, item 5.l:
a. Income and fees from the printing and sale of checks	RIA DC013	0			1.a.
b. Earnings on/increase in value of cash surrender value of life insurance	RIA DC014	169			1.b.
c. Income and fees from automated teller machines (ATMs)	RIA DC016	609			1.c.
d. Rent and other income from other real estate owned	RIA D4042	0			1.d.
e. Safe deposit box rent	RIA DC015	0			1.e.
f. Net change in the fair values of financial instruments accounted for under a fair value option	RIA DF229	0			1.f.
g. Bank card and credit card interchange fees	RIA DF555	894			1.g.
h. Gains on bargain purchases	RIA DJ447	0			1.h.
i. TEXT4461 Other Income	RIA D4461	87			1.i.
j. TEXT4462 Other Fee Income	RIA D4462	245			1.j.
k. TEXT4463 Other Income Electronic Banking Fees	RIA D4463	200			1.k.
2. Other noninterest expense (from Schedule RI, item 7.d) Itemize and describe amounts greater than $25,000 that exceed 3% of Schedule RI, item 7.d:
a. Data processing expenses	RIA DC017	0			2.a.
b. Advertising and marketing expenses	RIA D0497	512			2.b.
c. Directors’ fees	RIA D4136	0			2.c.
d. Printing, stationery, and supplies	RIA DC018	0			2.d.
e. Postage	RIA D8403	0			2.e.
f. Legal fees and expenses	RIA D4141	718			2.f.
g. FDIC deposit insurance assessments	RIA D4146	2,541			2.g.
h. Accounting and auditing expenses	RIA DF556	0			2.h.
i. Consulting and advisory expenses	RIA DF557	0			2.i.
j. Automated teller machine (ATM) and interchange expenses	RIA DF558	0			2.j.
k. Telecommunications expenses	RIA DF559	519			2.k.
l. TEXT4464 Professional Services	RIA D4464	3,505			2.l.
m. TEXT4467 Fees & Subscriptions	RIA D4467	1,659			2.m.
n. TEXT4468	RIA D4468	0			2.n.
3. Extraordinary items and other adjustments and applicable income tax effect (from Schedule RI, item 11) (itemize and describe all extraordinary items and other adjustments):
a. (1) TEXT4469	RIA D4469	0			3.a.(1)
(2) Applicable income tax effect	RIA D4486	0			3.a.(2)
b. (1) TEXT4487	RIA D4487	0			3.b.(1)
(2) Applicable income tax effect	RIA D4488	0			3.b.(2)
c. (1) TEXT4489	RIA D4489	0			3.c.(1)
(2) Applicable income tax effect	RIA D4491	0			3.c.(2)

Schedule RIE 13

Schedule RI-E - Continued


Dollar Amounts in Thousands		Bil	Mil	Thou
4. Cumulative effect of changes in accounting principles and corrections of material accounting errors (from Schedule RI-A, item 2) (itemize and describe all such effects):
a. TEXTB526	RIA DB526	0			4.a.
b. TEXTB527	RIA DB527	0			4.b.
5. Other transactions with parent holding company (from Schedule RI-A, item 11) (itemize and describe all such transactions):
a. TEXT4498 Downstream from Holding Company	RIA D4498	2,000			5.a.
b. TEXT4499	RIA D4499	0			5.b.
6. Adjustments to allowance for loan and lease losses (from Schedule RI-B, part II, item 6) (itemize and describe all adjustments):
a. TEXT4521 Reserve for Contingent Liabilities Adjustment	RIA D4521	(50)			6.a.
b. TEXT4522 see item 7b for explanation	RIA D4522	7,130			6.b.

		Yes/No
7. Other explanations (the space below is provided for the bank to briefly describe, at its option, any other significant items affecting the Report of Income):
a. Comments?	RIA D4769	YES			7.a.
b. Other explanations:

(TEXT 4769)

The bank will be restating its allowance for loan loasses for the quarters ended September 30, 2010, December 31, 2010, March 31, 2011 and June 30, 2011. The restated provision for loan losses for 2010 has increased to $32,086,000.00 from $16,996,000.00 and the restated charge-offs for 2010 are $16,236,066.17, increased from $8,226,090.60.

Schedule RC 14

Consolidated Report of Condition for Insured Commercial and State-Chartered Savings Banks for September 30, 2011

All schedules are to be reported in thousands of dollars. Unless otherwise indicated, report the amount outstanding as of the last business day of the quarter.

Schedule RC - Balance Sheet

Dollar Amounts in Thousands

Bil

Mil

Thou

ASSETS

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

a. Noninterest-bearing balances and currency and coin ⁽¹⁾

RCON0081

30,579

1.a.

b. Interest-bearing balances ⁽²⁾

RCON0071

136,386

1.b.

2. Securities:

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

RCON1754

9,422

2.a.

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

RCON1773

307,442

2.b.

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

a. Federal funds sold

RCONB987

3.a.

b. Securities purchased under agreements to resell ⁽³⁾

RCONB989

3.b.

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

a. Loans and leases held for sale

RCON5369

397

4.a.

b. Loans and leases, net of unearned income

RCONB528

1,012,491

4.b.

c. LESS: Allowance for loan and lease losses

RCON3123

43,693

4.c.

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

RCONB529

968,798

4.d.

5. Trading assets (from Schedule RC-D)

RCON3545

6. Premises and fixed assets (including capitalized leases)

RCON2145

26,904

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

RCON2150

1,800

8. Investments in unconsolidated subsidiaries and associated companies

RCON2130

9. Direct and indirect investments in real estate ventures

RCON3656

10. Intangible assets:

a. Goodwill

RCON3163

814

10.a.

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

RCON0426

1,630

10.b.

11. Other assets (from Schedule RC-F)

RCON2160

38,310

11.

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

RCON2170

1,522,482

12.

(1)	Includes cash items in process of collection and unposted debits.

(2)	Includes time certificates of deposit not held for trading.

(3)	Includes all securities resale agreements, regardless of maturity.

Schedule RC 15

Schedule RC - Continued

Dollar Amounts in Thousands

Bil

Mil

Thou

LIABILITIES

13. Deposits:

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

RCON2200

1,353,679

13.a.

(1) Noninterest-bearing ⁽¹⁾

RCON6631

520,104

13.a.(1)

(2) Interest-bearing

RCON6636

833,575

13.a.(2)

b. Not applicable

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

a. Federal funds purchased ⁽²⁾

RCONB993

14.a.

b. Securities sold under agreements to repurchase ⁽³⁾

RCONB995

14.b.

15. Trading liabilities (from Schedule RC-D)

RCON3548

15.

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

RCON3190

16.

17. Not applicable

18. Not applicable

19. Subordinated notes and debentures ⁽⁴⁾

RCON3200

19.

20. Other liabilities (from Schedule RC-G)

RCON2930

29,320

20.

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

RCON2948

1,382,999

21.

22. Not applicable

22.

EQUITY CAPITAL

Bank Equity Capital

23. Perpetual preferred stock and related surplus

RCON3838

23.

24. Common stock

RCON3230

2,333

24.

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

RCON3839

21,391

25.

26.

a. Retained earnings

RCON3632

114,030

26.a.

b. Accumulated other comprehensive income ⁽⁵⁾

RCONB530

1,729

26.b.

c. Other equity capital components ⁽⁶⁾

RCONA130

26.c.

27.

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

RCON3210

139,483

27.a.

b. Noncontrolling (minority) interests in consolidated subsidiaries

RCON3000

27.b.

28. Total equity capital (sum of items 27.a and 27.b)

RCONG105

139,483

28.

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

RCON3300

1,522,482

29.

(1)	Includes noninterest-bearing demand, time, and savings deposits.

(2)	Report overnight Federal Home Loan Bank advances in Schedule RC, item 16, “Other borrowed money.”

(3)	Includes all securities repurchase agreements, regardless of maturity.

(4)	Includes limited-life preferred stock and related surplus.

(5)	Includes net unrealized holding gains (losses) on available-for-sale securities, accumulated net gains (losses) on cash flow hedges, and minimum pension liability adjustments.

(6)	Includes treasury stock and unearned Employee Stock Ownership Plan shares.

Schedule RC 16

Schedule RC - Continued

Memoranda

To be reported with the March Report of Condition.


		Number
1. Indicate in the box at the right the number of the statement below that best describes the most comprehensive level of auditing work performed for the bank by independent external auditors as of any date during 2010	RCON6724		N/A	M.1.

1 = Independent audit of the bank conducted in accordance with generally accepted auditing standards by a certified public accounting firm which submits a report on the bank

2 = Independent audit of the bank’s parent holding company conducted in accordance with generally accepted auditing standards by a certified public accounting firm which submits a report on the consolidated holding company (but not on the bank separately)

3 = Attestation on bank management’s assertion on the effectiveness of the bank’s internal control over financial reporting by a certified public accounting firm

4 = Directors’ examination of the bank conducted in accordance with generally accepted auditing standards by a certified public accounting firm (may be required by state chartering authority)

5 = Directors’ examination of the bank performed by other external auditors (may be required by state chartering authority)

6 = Review of the bank’s financial statements by external auditors

7 = Compilation of the bank’s financial statements by external auditors

8 = Other audit procedures (excluding tax preparation work)

9 = No external audit work


		MM/DD
To be reported with the March Report of Condition.
2. Bank’s fiscal year-end date	RCON8678		N/A	M.2.

Schedule RCA 17

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

Schedule RC-A is to be completed only by banks with $300 million or more in total assets.

Exclude assets held for trading.


Dollar Amounts in Thousands		Bil	Mil	Thou
1. Cash items in process of collection, unposted debits, and currency and coin:
a. Cash items in process of collection and unposted debits	RCON0020	15,852			1.a.
b. Currency and coin	RCON0080	11,677			1.b.
2. Balances due from depository institutions in the U.S:
a. U.S. branches and agencies of foreign banks	RCON0083	0			2.a.
b. Other commercial banks in the U.S. and other depository institutions in the U.S.	RCON0085	5,499			2.b.
3. Balances due from banks in foreign countries and foreign central banks:
a. Foreign branches of other U.S. banks	RCON0073	0			3.a.
b. Other banks in foreign countries and foreign central banks	RCON0074	0			3.b.
4. Balances due from Federal Reserve Banks	RCON0090	133,937			4.
5. Total (sum of items 1 through 4) (must equal Schedule RC, sum of items 1.a and 1.b)	RCON0010	166,965			5.

Schedule RCB 18

Schedule RC-B - Securities

Exclude assets held for trading.

Dollar Amounts in Thousands

(Column A)
Held-to-maturity
Amortized Cost

(Column B)
Held-to-maturity
Fair Value

(Column C)
Available-for-
sale Amortized
Cost

(Column D)
Available-for-
sale Fair Value

1. U.S. Treasury securities

RCON0211

RCON0213

RCON1286

RCON1287

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

a. Issued by U.S. Government agencies ⁽¹⁾

RCON1289

RCON1290

RCON1291

RCON1293

2.a.

b. Issued by U.S. Government-sponsored agencies ⁽²⁾

RCON1294

RCON1295

RCON1297

RCON1298

2.b.

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

RCON8496

RCON8497

RCON8498

RCON8499

9,422

10,310

157,190

170,885

4. Mortgage-backed securities (MBS):

a. Residential mortgage pass-through securities:

(1) Guaranteed by GNMA

RCONG300

RCONG301

RCONG302

RCONG303

4.a.(1)

(2) Issued by FNMA and FHLMC

RCONG304

RCONG305

RCONG306

RCONG307

404

462

4.a.(2)

(3) Other pass-through securities

RCONG308

RCONG309

RCONG310

RCONG311

4.a.(3)

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

(1) Issued or guaranteed by U.S. Government agencies or sponsored agencies ⁽³⁾

RCONG312

RCONG313

RCONG314

RCONG315

118,737

125,659

4.b.(1)

(2) Collateralized by MBS issued or guaranteed by U.S. Government agencies or sponsored agencies ⁽³⁾

RCONG316

RCONG317

RCONG318

RCONG319

4.b.(2)

(3) All other residential MBS

RCONG320

RCONG321

RCONG322

RCONG323

11,966

10,356

4.b.(3)

c. Commercial MBS:

(1) Commercial mortgage pass-through securities:

(a) Issued or guaranteed by FNMA, FHLMC, or GNMA

RCONK142

RCONK143

RCONK144

RCONK145

4.c.(1)(a)

(b) Other pass-through securities

RCONK146

RCONK147

RCONK148

RCONK149

4.c.(1)(b)

(2) Other commercial MBS:

(a) Issued or guaranteed by U.S. Government agencies or sponsored agencies ⁽³⁾

RCONK150

RCONK151

RCONK152

RCONK153

4.c.(2)(a)

(b) All other commercial MBS

RCONK154

RCONK155

RCONK156

RCONK157

4.c.(2)(b)

(1)	Includes Small Business Administration “Guaranteed Loan Pool Certificates,” U.S. Maritime Administration obligations, and Export-Import Bank participation certificates.

(2)

Includes obligations (other than mortgage-backed securities) issued by the Farm Credit System, the Federal Home Loan Bank System, the Federal Home Loan Mortgage Corporation, the Federal National Mortgage Association, the Financing Corporation, Resolution Funding Corporation, the Student Loan Marketing Association, and the Tennessee Valley Authority.

(3)

U.S. Government agencies include, but are not limited to, such agencies as the Government National Mortgage Association (GNMA), the Federal Deposit Insurance Corporation (FDIC), and the National Credit Union Administration (NCUA). U.S. Government-sponsored agencies include, but are not limited to, such agencies as the Federal Home Loan Mortgage Corporation (FHLMC) and the Federal National Mortgage Association (FNMA).

Schedule RCB 19

Schedule RC-B - Continued

Dollar Amounts in Thousands

(Column A)
Held-to-maturity
Amortized Cost

(Column B)
Held-to-maturity
Fair Value

(Column C)
Available-for-
sale Amortized
Cost

(Column D)
Available-for-
sale Fair Value

5. Asset-backed securities and structured financial products:

a. Asset-backed securities (ABS) (from RC-B Memoranda)

RCONC026

RCONC988

RCONC989

RCONC027

5.a.

b. Structured financial products:

(1) Cash

RCONG336

RCONG337

RCONG338

RCONG339

5.b.(1)

(2) Synthetic

RCONG340

RCONG341

RCONG342

RCONG343

5.b.(2)

(3) Hybrid

RCONG344

RCONG345

RCONG346

RCONG347

5.b.(3)

6. Other debt securities:

a. Other domestic debt securities

RCON1737

RCON1738

RCON1739

RCON1741

6.a.

b. Foreign debt securities

RCON1742

RCON1743

RCON1744

RCON1746

6.b.

7. Investments in mutual funds and other equity securities with readily determinable fair values ⁽¹⁾

RCONA510

RCONA511

8. total (sum of items 1 through 7) (total of column A must equal Schedule RC, item 2.a) (total of column D must equal Schedule RC, item 2.b.)

RCON1754

RCON1771

RCON1772

RCON1773

9,422

10,310

288,377

307,442

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

Schedule RCB 20

Schedule RC-B - Continued

Memoranda


Dollar Amounts in Thousands		Bil	Mil	Thou
1. Pledged securities ⁽¹⁾	RCON0416	251,995			M.1.
2. Maturity and repricing data for debt securities (excluding those in nonaccrual status): ^(1) (2)
a. Securities issued by the U.S. Treasury, U.S. Government agencies, and states and political subdivisions in the U.S.; other non-mortgage debt securities; and mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of: ^{(3) (4)}
(1) Three months or less	RCONA549	106			M.2.a.(1)
(2) Over three months through 12 months	RCONA550	2,723			M.2.a.(2)
(3) Over one year through three years	RCONA551	10,946			M.2.a.(3)
(4) Over three years through five years	RCONA552	43,476			M.2.a.(4)
(5) Over five years through 15 years	RCONA553	123,056			M.2.a.(5)
(6) Over 15 years	RCONA554	0			M.2.a.(6)
b. Mortgage pass-through securities backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of: ^{(3) (5)}
(1) Three months or less	RCONA555	0			M.2.b.(1)
(2) Over three months through 12 months	RCONA556	0			M.2.b.(2)
(3) Over one year through three years	RCONA557	0			M.2.b.(3)
(4) Over three years through five years	RCONA558	0			M.2.b.(4)
(5) Over five years through 15 years	RCONA559	0			M.2.b.(5)
(6) Over 15 years	RCONA560	462			M.2.b.(6)
c. Other mortgage-backed securities (include CMOs, REMICs, and stripped MBS; exclude mortgage pass-through securities) with an expected average life of: ⁽⁶⁾
(1) Three years or less	RCONA561	100,731			M.2.c.(1)
(2) Over three years	RCONA562	35,284			M.2.c.(2)
d. Debt securities with a REMAINING MATURITY of one year or less (included in Memorandum items 2.a through 2.c above)	RCONA248	3,270			M.2.d.
3. Amortized cost of held-to-maturity securities sold or transferred to available-for-sale or trading securities during the calendar year-to-date (report the amortized cost at date of sale or transfer)	RCON1778	0			M.3.
4. Structured notes (included in the held-to-maturity and available-for-sale accounts in Schedule RC-B, items 2, 3, 5, and 6):
a. Amortized cost	RCON8782	0			M.4.a.
b. Fair value	RCON8783	0			M.4.b.

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

(2)	Exclude investments in mutual funds and other equity securities with readily determinable fair values.

(3)	Report fixed rate debt securities by remaining maturity and floating rate debt securities by next repricing date.

(4)

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

(5)

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

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

Schedule RCB 21

Schedule RC-B - Continued

Memoranda (continued)

Dollar Amounts in Thousands

(Column A)
Held-to-maturity
Amortized Cost

(Column B)
Held-to-maturity
Fair Value

(Column C)
Available-for-
sale Amortized
Cost

(Column D)
Available-for-
sale Fair Value

Memorandum items 5.a through 5.f are to be completed by banks with $1 billion or more in total assets.⁽¹⁾

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

a. Credit card receivables

RCONB838

RCONB839

RCONB840

RCONB841

M.5.a.

b. Home equity lines

RCONB842

RCONB843

RCONB844

RCONB845

M.5.b.

c. Automobile loans

RCONB846

RCONB847

RCONB848

RCONB849

M.5.c.

d. Other consumer loans

RCONB850

RCONB851

RCONB852

RCONB853

M.5.d.

e. Commercial and industrial loans

RCONB854

RCONB855

RCONB856

RCONB857

M.5.e.

f. Other

RCONB858

RCONB859

RCONB860

RCONB861

M.5.f.

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

a. Trust preferred securities issued by financial institutions

RCONG348

RCONG349

RCONG350

RCONG351

M.6.a.

b. Trust preferred securities issued by real estate investment trusts

RCONG352

RCONG353

RCONG354

RCONG355

M.6.b.

c. Corporate and similar loans

RCONG356

RCONG357

RCONG358

RCONG359

M.6.c.

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

RCONG360

RCONG361

RCONG362

RCONG363

M.6.d.

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

RCONG364

RCONG365

RCONG366

RCONG367

M.6.e.

f. Diversified (mixed) pools of structured financial products

RCONG368

RCONG369

RCONG370

RCONG371

M.6.f.

g. Other collateral or reference assets

RCONG372

RCONG373

RCONG374

RCONG375

M.6.g.

(1)	The $1 billion asset size test is generally based on the total assets reported on the June 30, 2010, Report of Condition.

Schedule RCCI 22

Schedule RC-C — Loans and Lease Financing Receivables

Part I. Loans and Leases

Do not deduct the allowance for loan and lease losses or the allocated transfer risk reserve from amounts reported in this schedule. Report (1) loans and leases held for sale at the lower of cost or fair value and (2) loans and leases held for investment, net of unearned income, and (3) loans and leases accounted for at fair value under a fair value option. Exclude assets held for trading and commercial paper.

Dollar Amounts in Thousands

(Column A)
To Be Completed by Banks
with $300 Million or More in
Total Assets (1)

(Column B)
To Be Completed by All Banks

1. Loans secured by real estate:

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

(1) 1-4 family residential construction loans

RCONF158

614

1.a.(1)

(2) Other construction loans, all land development, other land loans

RCONF159

61,409

1.a.(2)

b. Secured by farmland (incl. farm residential & other improvements)

RCON1420

1,726

1.b.

c. Secured by 1-4 family residential properties:

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

RCON1797

80,704

1.c.(1)

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

(a) Secured by first liens

RCON5367

146,242

1.c.(2)(a)

(b) Secured by junior liens

RCON5368

25,272

1.c.(2)(b)

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

RCON1460

8,266

1.d.

e. Secured by nonfarm nonresidential properties:

(1) Loans secured by owner-occupied nonfarm nonresidential properties

RCONF160

287,229

1.e.(1)

(2) Loans secured by other nonfarm nonresidential properties

RCONF161

137,563

1.e.(2)

2. Loans to depository institutions and acceptances of other banks

RCON1288

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

(1) To U.S. branches and agencies of foreign banks

RCONB532

2.a.(1)

(2) To other commercial banks in the U.S.

RCONB533

2.a.(2)

b. To other depository institutions in the U.S.

RCONB534

2.b.

c. To banks in foreign countries:

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

RCONB536

2.c.(1)

(2) To other banks in foreign countries

RCONB537

2.c.(2)

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

RCON1590

11,094

4. Commercial and industrial loans

RCON1766

201,356

a. To U.S. addressees (domicile)

RCON1763

201,356

4.a.

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

RCON1764

4.b.

5. Not applicable

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

a. Credit cards

RCONB538

6.a.

b. Other revolving credit plans

RCONB539

2,018

6.b.

c. Automobile loans

RCONK137

5,617

6.c.

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

RCONK207

43,303

6.d.

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

RCON2081

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

RCON2107

9. Loans to nondepository financial institutions and other loans:

a. Loans to nondepository financial institutions

RCONJ454

9.a.

b. Other loans

RCONJ464

500

9.b.

(1) Loans for purchasing or carrying securities (secured/unsecured)

RCON1545

9.b.(1)

(2) All other loans (exclude consumer loans)

RCONJ451

500

9.b.(2)

(1)	The $300 million asset size test is generally based on the total assets reported on the June 30, 2010, Report of Condition.

Schedule RCCI 23

Schedule RC-C - Continued

Part I. Continued

Dollar Amounts in Thousands

(Column A)
To Be Completed by Banks
with $300 Million or More in
Total Assets (1)

(Column B)
To Be Completed by All Banks

10. Lease financing receivables (net of unearned income)

RCON2165

10.

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

RCONF162

10.a.

b. All other leases

RCONF163

10.b.

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

RCON2123

11.

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

RCON2122

1,012,888

12.

Memoranda

Dollar Amounts in Thousands

Bil

Mil

Thou

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

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

(1) 1-4 family residential construction loans

RCONK158

M.1.a.(1)

(2) Other construction loans and all land development and other land loans

RCONK159

M.1.a.(2)

b. Loans secured by 1-4 family residential properties

RCONF576

1,324

M.1.b.

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

RCONK160

M.1.c.

d. Secured by nonfarm nonresidential properties:

(1) Loans secured by owner-occupied nonfarm nonresidential properties

RCONK161

M.1.d.(1)

(2) Loans secured by other nonfarm nonresidential properties

RCONK162

M.1.d.(2)

e. Commercial and industrial loans

RCONK256

M.1.e.

Memorandum items 1.e.(1) and (2) are to be completed by banks with $300 million or more in total assets ⁽¹⁾ (sum of Memorandum items 1.e.(1) and (2) must equal Memorandum item 1.e.):

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

RCONK163

M.1.e.(1)

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

RCONK164

M.1.e.(2)

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

RCONK165

181

M.1.f.

Itemize loan categories included in Memorandum item 1.f above that exceed 10% of total loans restructured in troubled debt restructurings that are in compliance with their modified terms (sum of Memorandum items 1.a through 1.e plus 1.f):

(1) Loans secured by farm land

RCONK166

M.1.f.(1)

(2) Loans to depository institutions and acceptances of other banks

RCONK167

M.1.f.(2)

(3) Not applicable

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

(a) Credit cards

RCONK098

M.1.f.(4)(a)

(b) Automobile loans

RCONK203

M.1.f.(4)(b)

(c) Other consumer loans (includes single payment, installment, all student loans, and revolving credit plans other than credit cards)

RCONK204

161

M.1.f.(4)(c)

(5) Loans to foreign governments and official institutions

RCONK212

M.1.f.(5)

(6) Other loans ⁽²⁾

RCONK267

M.1.f.(6)

(1)	The $300 million asset size test is generally based on the total assets reported on the June 30, 2010, Report of Condition.

(2)	Includes “Loans to finance agricultural production and other loans to farmers,” “Obligations (other than securities and leases) of states and political subdivisions in the U.S.,” and “Loans to nondepository financial institutions and other loans.”

Schedule RCCI 24

Schedule RC-C - Continued

Memoranda (continued)


Dollar Amounts in Thousands		Bil	Mil	Thou
*Memorandum item 1.f.(6)(a) is to be completed by:* ⁽⁶⁾
— *Banks with $300 million or more in total assets*
— *Banks with less than $300 million in total assets that have loans to finance agricultural production and other loans to farmers (Schedule RC-C, part I, item 3) exceeding five percent of total loans*
(a) Loans to finance agricultural production and other loans to farmers included in Schedule RC-C, part I, Memorandum item 1.f.(6), above	RCONK168	0			M.1.f.(6)(a)
2. Maturity and repricing data for loans and leases (excluding those in nonaccrual status):
a. Closed-end loans secured by first liens on 1-4 family residential properties (reported in Schedule RC-C, part I, item 1.c.(2)(a), col. B) with a remaining maturity or next repricing date of: ^{(3) (4)}
(1) Three months or less	RCONA564	61,657			M.2.a.(1)
(2) Over three months through 12 months	RCONA565	16,686			M.2.a.(2)
(3) Over one year through three years	RCONA566	11,326			M.2.a.(3)
(4) Over three years through five years	RCONA567	1,077			M.2.a.(4)
(5) Over five years through 15 years	RCONA568	31,411			M.2.a.(5)
(6) Over 15 years	RCONA569	18,136			M.2.a.(6)
b. All loans and leases (reported in Schedule RC-C, part I, items 1 through 10, col. B) EXCLUDING closed-end loans secured by first liens on 1-4 family residential properties (reported in Schedule RC-C, part I, item 1.c.(2)(a), col. B) with a remaining maturity or next repricing date of: ^{(3) (5)}
(1) Three months or less	RCONA570	334,350			M.2.b.(1)
(2) Over three months through 12 months	RCONA571	31,562			M.2.b.(2)
(3) Over one year through three years	RCONA572	162,344			M.2.b.(3)
(4) Over three years through five years	RCONA573	182,175			M.2.b.(4)
(5) Over five years through 15 years	RCONA574	66,898			M.2.b.(5)
(6) Over 15 years	RCONA575	3,220			M.2.b.(6)
c. Loans and leases (reported in Schedule RC-C, part I, items 1 through 10, column B, above) with a REMAINING MATURITY of one year or less (excluding those in nonaccrual status)	RCONA247	181,979			M.2.c.

(3)	Report fixed rate loans and leases by remaining maturity and floating rate loans by next repricing date.

(4)

Sum of Memorandum items 2.a.(1) through 2.a.(6) plus total nonaccrual closed-end loans secured by first liens on 1-4 family residential properties included in Schedule RC-N, item 1.c.(2)(a), column C, must equal total closed-end loans secured by first liens on 1-4 family residential properties from Schedule RC-C, part I, item 1.c.(2)(a), column B.

(5)

Sum of Memorandum items 2.b.(1) through 2.b.(6) plus total nonaccrual loans and leases from Schedule RC-N, sum of items 1 through 8, column C, minus nonaccrual closed-end loans secured by first liens on 1-4 family residential properties included in Schedule RC-N, item 1.c.(2)(a), column C, must equal total loans and leases from Schedule RC-C, part I, sum of items 1 through 10, column B, minus total closed-end loans secured by first liens on 1-4 family residential properties from Schedule RC-C, part I, item 1.c.(2)(a), column B.

(6)	The $300 million asset size test and the five percent of total loans test are generally based on the total assets and total loans reported on the June 30, 2010, Report of Condition.

Schedule RCCI 25

Schedule RC-C - Continued

Part I. Continued

Memoranda (continued)

Dollar Amounts in Thousands

Bil

Mil

Thou

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 ⁽⁷⁾

RCON2746

M.3.

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)

RCON5370

35,012

M.4.

5. To be completed by banks with $300 million or more in total assets:

Loans secured by real estate to non-U.S. addressees (domicile) (included in Schedule RC-C, part I, items 1.a through 1.e, column B) ⁽⁸⁾

RCONB837

M.5.

Memorandum item 6 is to be completed by banks that (1) together with affiliated institutions, have outstanding credit card receivables (as defined in the instructions) that exceed $500 million as of the report date or (2) are credit card specialty banks as defined for UBPR purposes.

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

RCONC391

N/A

M.6.

Memorandum item 7 is to be completed by all banks.

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

a. Outstanding balance

RCONC779

M.7.a.

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

RCONC780

M.7.b.

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

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

RCONF230

M.8.a.

Memorandum items 8.b and 8.c are to be completed by banks that had closed-end loans with negative amortization features secured by 1-4 family residential properties (as reported in Schedule RC-C, part I, Memorandum item 8.a) as of December 31, 2010, that exceeded the lesser of $100 million or 5 percent of total loans and leases, net of unearned income (as reported in Schedule RC-C, part I, item 12, column B).

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

RCONF231

N/A

M.8.b.

c. Total amount of negative amortization on closed-end loans secured by 1-4 family residential properties included in the carrying amount reported in Memorandum item 8.a above

RCONF232

N/A

M.8.c.

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

RCONF577

2,728

M.9.

Memorandum items 10 and 11 are to be completed by banks that have elected to measure loans included in Schedule RC-C, part I, items 1 through 9, at fair value under a fair value option.

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

a. Loans secured by real estate:

(1) Construction, land development, and other land loans

RCONF578

N/A

M.10.a.(1)

(2) Secured by farmland (including farm residential and other improvements)

RCONF579

N/A

M.10.a.(2)

(3) Secured by 1-4 family residential properties:

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

RCONF580

N/A

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

(b) Closed-end loans secured by 1-4 family residential properties:

(1) Secured by first liens

RCONF581

N/A

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

(2) Secured by junior liens

RCONF582

N/A

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

(4) Secured by multifamily (5 or more) residential properties

RCONF583

N/A

M.10.a.(4)

(5) Secured by nonfarm nonresidential properties

RCONF584

N/A

M.10.a.(5)

b. Commercial and industrial loans

RCONF585

N/A

M.10.b.

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

(8)	The $300 million asset size test is generally based on the total assets reported on the June 30, 2010, Report of Condition.

Schedule RCCI 26

Schedule RC-C - Continued

Part I. Continued

Memoranda (continued)

Dollar Amounts in Thousands

Bil

Mil

Thou

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

(1) Credit Cards

RCONF586

N/A

M.10.c.(1)

(2) Other revolving credit plans

RCONF587

N/A

M.10.c.(2)

(3) Automobile loans

RCONK196

N/A

M.10.c.(3)

(4) Other consumer loans (includes single payment, installment, and all student loans)

RCONK208

N/A

M.10.c.(4)

d. Other loans

RCONF589

N/A

M.10.d.

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

a. Loans secured by real estate:

(1) Construction, land development, and other land loans

RCONF590

N/A

M.11.a.(1)

(2) Secured by farmland (including farm residential and other improvements)

RCONF591

N/A

M.11.a.(2)

(3) Secured by 1-4 family residential properties:

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

RCONF592

N/A

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

(b) Closed-end loans secured by 1-4 family residential properties:

(1) Secured by first liens

RCONF593

N/A

M.11.a.(3)(b)(1)

(2) Secured by junior liens

RCONF594

N/A

M.11.a.(3)(b)(2)

(4) Secured by multifamily (5 or more) residential properties

RCONF595

N/A

M.11.a.(4)

(5) Secured by nonfarm nonresidential properties

RCONF596

N/A

M.11.a.(5)

b. Commercial and industrial loans

RCONF597

N/A

M.11.b.

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

(1) Credit cards

RCONF598

N/A

M.11.c.(1)

(2) Other revolving credit plans

RCONF599

N/A

M.11.c.(2)

(3) Automobile loans

RCONK195

N/A

M.11.c.(3)

(4) Other consumer loans (includes single payment, installment, and all student loans)

RCONK209

N/A

M.11.c.(4)

d. Other loans

RCONF601

N/A

M.11.d.

Dollar Amounts in Thousands

(Column A)
Fair value of
acquired loans and
leases at acquisition
date

(Column B)
Gross contractual
amounts receivable
at acquisition date

(Column C)
Best estimate at
acquisition date of
contractual cash
flows not expected
to be collected

12. Loans (not subject to the requirements of FASB ASC 310-30 (former AICPA Statement of Position 03-3)) and leases held for investment that were acquired in business combinations with acquisition dates in the current calendar year:

a. Loans secured by real estate

RCONG091

RCONG092

RCONG093

M.12.a.

b. Commercial and industrial loans

RCONG094

RCONG095

RCONG096

M.12.b.

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

RCONG097

RCONG098

RCONG099

M.12.c.

d. All other loans and all leases

RCONG100

RCONG101

RCONG102

M.12.d.

Schedule RCCI 27

Schedule RC-C - Continued

Part I. Continued

Memoranda (continued)

Dollar Amounts in Thousands

Bil

Mil

Thou

Memorandum item 13 is to be completed by banks that had construction, land development, and other land loans (as reported in Schedule RC-C, part I, item 1.a, column B) that exceeded 100 percent of total risk-based capital (as reported in Schedule RC-R, item 21) as of December 31, 2010.

13. Construction, land development, and other land loans with interest reserves:

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

RCONG376

N/A

M.13.a.

b. 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)(b))

RIADG377

N/A

M.13.b.

Memorandum item 14 is to be completed by all banks.

14. Pledged loans and leases

RCONG378

250,251

M.14.

Memorandum item 15 is to be completed for the December report only.

15. Reverse mortgages:

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

(1) Home Equity Conversion Mortgage (HECM) reverse mortgages

RCONJ466

N/A

M.15.a.(1)

(2) Proprietary reverse mortgages

RCONJ467

N/A

M.15.a.(2)

Number

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

(1) Home Equity Conversion Mortgage (HECM) reverse mortgages

RCONJ468

N/A

M.15.b.(1)

(2) Proprietary reverse mortgages

RCONJ469

N/A

M.15.b.(2)

Dollar Amounts in Thousands

Bil

Mil

Thou

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

(1) Home Equity Conversion Mortgage (HECM) reverse mortgages

RCONJ470

N/A

M.15.c.(1)

(2) Proprietary reverse mortgages

RCONJ471

N/A

M.15.c.(2)

Schedule RCCII 28

Schedule RC-C - Continued

Part II. Loans to Small Businesses and Small Farms

Report the number and amount currently outstanding as of the report date of business loans with “original amounts” of $1,000,000 or less and farm loans with “original amounts” of $500,000 or less. The following guidelines should be used to determine the “original amount” of a loan: (1) For loans drawn down under lines of credit or loan commitments, the “original amount” of the loan is the size of the line of credit or loan commitment when the line of credit or loan commitment was most recently approved, extended, or renewed prior to the report date. However, if the amount currently outstanding as of the report date exceeds this size, the “original amount” is the amount currently outstanding on the report date. (2) For loan participations and syndications, the “original amount” of the loan participation or syndication the entire amount of the credit originated by the lead lender. (3) For all other loans, the “original amount” is the total amount of the loan origination or the amount currently outstanding as of the report date, whichever is larger.

Loans to Small Businesses

Yes/No

1. Indicate in the appropriate box at the right whether all or substantially all of the dollar volume of your bank’s “Loans secured by nonfarm nonresidential properties” reported in Schedule RC-C, part I, items 1.e.(1) and 1.e.(2), and all or substantially all of the dollar volume of your bank’s “Commercial and industrial loans” reported in Schedule RC-C, part I, item 4, have original amounts of $100,000 or less (If your bank has no loans outstanding in both of these two loan categories, answer this question “NO.”)

RCON6999

If YES, complete items 2.a and 2.b below , skip items 3 and 4, and go to item 5.

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

If NO and your bank has no loans outstanding in both loan categories, skip items 2 through 4, and go to item 5.

Number

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

a. “Loans secured by nonfarm nonresidential properties” reported in Schedule RC-C, part I, items 1.e.(1) and 1.e.(2) (Note: Sum of items 1.e.(1) and 1.e.(2) divided by the number of loans should NOT exceed $100,000.)

RCON5562

N/A

2.a.

b. “Commercial and industrial loans” reported in Schedule RC-C, part I, item 4. ⁽¹⁾(Note: Item 4 ⁽¹⁾, divided by the number of loans should NOT exceed $100,000.)

RCON5563

N/A

2.b.

Dollar Amounts in Thousands

(Column A)
Number of Loans

(Column B)
Amount Currently
Outstanding

3. Number and amount currently outstanding of “Loans secured by nonfarm nonresidential properties” reported in Schedule RC-C, part I, items 1.e.(1) and 1.e.(2) (sum of items 3.a through 3.c must be less than or equal to Schedule RC-C, part I, sum of items 1.e.(1) and 1.e.(2)):

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

RCON5564

RCON5565

403

3.a.

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

RCON5566

RCON5567

6,782

3.b.

c. With original amounts of more than $250,000 through $1,000,000

RCON5568

299

RCON5569

123,222

3.c.

4. Number and amount currently outstanding of “Commercial and industrial loans” reported in Schedule RC-C, part I, item 4 ⁽¹⁾(sum of items 4.a through 4.c must be less than or equal to Schedule RC-C, part I, item 4 ⁽¹⁾):

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

RCON5570

1544

RCON5571

32,453

4.a.

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

RCON5572

352

RCON5573

31,912

4.b.

c. With original amounts of more than $250,000 through $1,000,000

RCON5574

211

RCON5575

51,081

4.c.

(1)	Banks with $300 million or more in total assets should provide the requested information for “Commercial and industrial loans” based on the loans reported in Schedule RC-C, part I, item 4.a, column A, “Commercial and industrial loans to U.S. addressees.”

Schedule RCCII 29

Schedule RC-C - Continued

Part II. Continued

Agricultural Loans to Small Farms

Yes/No

5. Indicate in the appropriate box at the right whether all or substantially all of the dollar volume of your bank’s “Loans secured by farmland (including farm residential and other improvements)” reported in Schedule RC-C, part I, item 1.b, and all or substantially all of the dollar volume of your bank’s “Loans to finance agricultural production and other loans to farmers” reported in Schedule RC-C, part I, item 3, have original amounts of $100,000 or less (If your bank has no loans outstanding in both of these two loan categories, answer this question “NO.”)

RCON6860

If YES, complete items 6.a and 6.b below, and do not complete items 7 and 8.

If NO and your bank has loans outstanding in either loan category, skip items 6.a and 6.b and complete items 7 and 8 below.

If NO and your bank has no loans outstanding in both loan categories, do not complete items 6 through 8.

Number

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

a. “Loans secured by farmland (including farm residential and other improvements)” reported in Schedule RC-C, part I, item 1.b, (Note: Item 1.b divided by the number of loans should NOT exceed $100,000.)

RCON5576

N/A

6.a.

b. “Loans to finance agricultural production and other loans to farmers” reported in Schedule RC-C, part I, item 3 (Note: Item 3 divided by the number of loans should NOT exceed $100,000.)

RCON5577

N/A

6.b.

Dollar Amounts in Thousands

(Column A)
Number of Loans

(Column B)
Amount Currently Outstanding

7. Number and amount currently outstanding of “Loans secured by farmland (including farm residential and other improvements)” reported in Schedule RC-C, part I, item 1.b (sum of items 7.a through 7.c must be less than or equal to Schedule RC-C, part I, item 1.b):

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

RCON5578

RCON5579

7.a.

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

RCON5580

RCON5581

7.b.

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

RCON5582

RCON5583

214

7.c.

8. Number and amount currently outstanding of “Loans to finance agricultural production and other loans to farmers” reported in Schedule RC-C, part I, item 3 (sum of items 8.a through 8.c must be less than or equal to Schedule RC-C, part I, item 3):

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

RCON5584

RCON5585

1,030

8.a.

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

RCON5586

RCON5587

766

8.b.

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

RCON5588

RCON5589

1,810

8.c.

Schedule RCD 30

Schedule RC-D - Trading Assets and Liabilities

Schedule RC-D is to be completed by banks that reported average trading assets (Schedule RC-K, item 7) of $2 million or more in any of the four preceding calendar quarters.

Dollar Amounts in Thousands

Bil

Mil

Thou

ASSETS

1. U.S. Treasury securities

RCON3531

N/A

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

RCON3532

N/A

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

RCON3533

N/A

4. Mortgage-backed securities (MBS):

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

RCONG379

N/A

4.a.

b. Other residential MBS issued or guaranteed by U.S. Government agencies or sponsored agencies (include CMOs, REMICs, and stripped MBS) ⁽¹⁾

RCONG380

N/A

4.b.

c. All other residential MBS

RCONG381

N/A

4.c.

d. Commercial MBS issued or guaranteed by U.S. Government agencies or sponsored agencies ⁽¹⁾

RCONK197

N/A

4.d.

e. All other commercial MBS

RCONK198

N/A

4.e.

5. Other debt securities

a. Structured financial products:

(1) Cash

RCONG383

N/A

5.a.(1)

(2) Synthetic

RCONG384

N/A

5.a.(2)

(3) Hybrid

RCONG385

N/A

5.a.(3)

b. All other debt securities

RCONG386

N/A

5.b.

6. Loans:

a. Loans secured by real estate:

(1) Construction, land development, and other land loans

RCONF604

N/A

6.a.(1)

(2) Secured by farmland (including farm residential and other improvements)

RCONF605

N/A

6.a.(2)

(3) Secured by 1-4 family residential properties:

(a) Revolving, open-end secured by 1-4 family residential properties and extended under LOC

RCONF606

N/A

6.a.(3)(a)

(b) Closed-end loans secured by 1-4 family residential properties:

(1) Secured by first liens

RCONF607

N/A

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

(2) Secured by junior liens

RCONF611

N/A

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

(4) Secured by multifamily (5 or more) residential properties

RCONF612

N/A

6.a.(4)

(5) Secured by nonfarm nonresidential properties

RCONF613

N/A

6.a.(5)

b. Commercial and industrial loans

RCONF614

N/A

6.b.

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

(1) Credit cards

RCONF615

N/A

6.c.(1)

(2) Other revolving credit plans

RCONF616

N/A

6.c.(2)

(3) Automobile loans

RCONK199

N/A

6.c.(3)

(4) Other consumer loans (includes single payment, installment, and all student loans)

RCONK210

N/A

6.c.(4)

d. Other loans

RCONF618

N/A

6.d.

7. - 8. Not applicable

9. Other trading assets

RCON3541

N/A

10. Not applicable

11. Derivatives with a positive fair value (from Schedule RC-Q, item 5.a., column A)

RCON3543

N/A

11.

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

RCON3545

N/A

12.

LIABILITIES

13.

a. Liability for short positions

RCON3546

N/A

13.a.

b. Other trading liabilities

RCONF624

N/A

13.b.

14. Derivatives with a negative fair value (from Schedule RC-Q, item 10.a., column A)

RCON3547

N/A

14.

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

RCON3548

N/A

15.

(1)

Schedule RCD 31

Schedule RC-D - Continued

Memoranda

Dollar Amounts in Thousands

Bil

Mil

Thou

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

a. Loans secured by real estate:

(1) Construction, land development, and other land loans

RCONF625

N/A

M.1.a.(1)

(2) Secured by farmland (including farm residential and other improvements)

RCONF626

N/A

M.1.a.(2)

(3) Secured by 1-4 family residential properties:

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

RCONF627

N/A

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

(b) Closed-end loans secured by 1-4 family residential properties:

(1) Secured by first liens

RCONF628

N/A

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

(2) Secured by junior liens

RCONF629

N/A

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

(4) Secured by multifamily (5 or more) residential properties

RCONF630

N/A

M.1.a.(4)

(5) Secured by nonfarm nonresidential properties

RCONF631

N/A

M.1.a.(5)

b. Commercial and industrial loans

RCONF632

N/A

M.1.b.

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

(1) Credit cards

RCONF633

N/A

M.1.c.(1)

(2) Other revolving credit plans

RCONF634

N/A

M.1.c.(2)

(3) Automobile loans

RCONK200

N/A

M.1.c.(3)

(4) Other consumer loans (includes single payment, installment, and all student loans)

RCONK211

N/A

M.1.c.(4)

d. Other loans

RCONF636

N/A

M.1.d.

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

a. Fair value

RCONF639

N/A

M.2.a.

b. Unpaid principal balance

RCONF640

N/A

M.2.b.

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

a. Trust preferred securities issued by financial institutions

RCONG299

N/A

M.3.a.

b. Trust preferred securities issued by real estate investment trusts

RCONG332

N/A

M.3.b.

c. Corporate and similar loans

RCONG333

N/A

M.3.c.

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

RCONG334

N/A

M.3.d.

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

RCONG335

N/A

M.3.e.

f. Diversified (mixed) pools of structured financial products

RCONG651

N/A

M.3.f.

g. Other collateral or reference assets

RCONG652

N/A

M.3.g.

4. Pledged trading assets:

a. Pledged securities

RCONG387

N/A

M.4.a.

b. Pledged loans

RCONG388

N/A

M.4.b.

Memorandum items 5 through 10 are to be completed by banks that reported average trading assets (Schedule RC-K, item 7) of $1 billion or more in any of the four preceding calendar quarters.

5. Asset-backed securities:

a. Credit card receivables

RCONF643

N/A

M.5.a.

b. Home equity lines

RCONF644

N/A

M.5.b.

c. Automobile loans

RCONF645

N/A

M.5.c.

d. Other consumer loans

RCONF646

N/A

M.5.d.

e. Commercial and industrial loans

RCONF647

N/A

M.5.e.

f. Other

RCONF648

N/A

M.5.f.

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

RCONF651

N/A

M.6.

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

a. Readily determinable fair values

RCONF652

N/A

M.7.a.

b. Other

RCONF653

N/A

M.7.b.

8. Loans pending securitization

RCONF654

N/A

M.8.

Schedule RCD 32

Schedule RC-D - Continued

Memoranda (continued)

Dollar Amounts in Thousands

Bil

Mil

Thou

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):

a. TEXTF655

RCONF655

N/A

M.9.a.

b. TEXTF656

RCONF656

N/A

M.9.b.

c. TEXTF657

RCONF657

N/A

M.9.c.

10. Other trading liabilities (itemize and describe amounts included in Schedule RC-D, item 13.b, that are greater than $25,000 and exceed 25% of the item):

a. TEXTF658

RCONF658

N/A

M.10.a.

b. TEXTF659

RCONF659

N/A

M.10.b.

c. TEXTF660

RCONF660

N/A

M.10.c.

Schedule RCE 33

Schedule RC-E - Deposit Liabilities


Dollar Amounts in Thousands	(Column A) Total transaction accounts (including total demand deposits)			(Column B) Memo: Total demand deposits (1) (included in column A)			(Column C) Total nontransaction accounts (including MMDAs)
Deposits of:
1. Individuals, partnerships, and corporations		RCONB549	99,505					RCONB550	1,073,771	1.
2. U.S. Government		RCON2202	0					RCON2520	0	2.
3. States and political subdivisions in the U.S.		RCON2203	4,651					RCON2530	175,752	3.
4. Commercial banks and other depository institutions in the U.S.		RCONB551	0					RCONB552	0	4.
5. Banks in foreign countries		RCON2213	0					RCON2236	0	5.
6. Foreign governments and official institutions (including foreign central banks)		RCON2216	0					RCON2377	0	6.
7. Total (sum of items 1 through 6) (sum of columns A and C must equal Schedule RC, item 13.a)		RCON2215	104,156		RCON2210	92,883		RCON2385	1,249,523	7.

Memoranda

Dollar Amounts in Thousands

Bil

Mil

Thou

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

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

RCON6835

19,754

M.1.a.

b. Total brokered deposits

RCON2365

14,606

M.1.b.

c. Fully insured brokered deposits (included in Memorandum item 1.b above): ⁽²⁾

(1) Brokered deposits of less than $100,000

RCON2343

1,099

M.1.c.

(1)

(2) Brokered deposits of $100,000 through $250,000 and certain brokered retirement deposit accounts

RCONJ472

13,507

M.1.c.

(2)

d. Maturity data for brokered deposits:

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

RCONA243

438

M.1.d.

(1)

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

RCONK219

9,631

M.1.d.

(2)

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

RCONK220

M.1.d.

(3)

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

RCON5590

N/A

M.1.e.

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

RCONK223

M.1.f.

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

a. Savings deposits:

(1) Money market deposit accounts (MMDAs)

RCON6810

211,681

M.2.a.

(1)

(2) Other savings deposits (excludes MMDAs)

RCON0352

766,470

M.2.a.

(2)

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

RCON6648

89,857

M.2.b.

c. Total time deposits of $100,000 through $250,000

RCONJ473

77,017

M.2.c.

d. Total time deposits of more than $250,000

RCONJ474

104,498

M.2.d.

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

RCONF233

3,312

M.2.e.

(1)	Include interest-bearing and noninterest-bearing demand deposits.

(2)	The dollar amounts used as the basis for reporting in Memorandum items 1.c.(1) and (2) reflect the deposit insurance limits in effect on the report date.

Schedule RCE 34

Schedule RC-E - Continued

Memoranda (continued)

Dollar Amounts in Thousands

Bil

Mil

Thou

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

a. Time deposits of less than $100,000 with a remaining maturity or next repricing date of: ^{(1) (2)}

(1) Three months or less

RCONA579

26,655

M.3.a.(1)

(2) Over three months through 12 months

RCONA580

37,426

M.3.a.(2)

(3) Over one year through three years

RCONA581

18,005

M.3.a.(3)

(4) Over three years

RCONA582

7,771

M.3.a.(4)

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

RCONA241

64,081

M.3.b.

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

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

(1) Three months or less

RCONA584

124,681

M.4.a.(1)

(2) Over three months through 12 months

RCONA585

31,202

M.4.a.(2)

(3) Over one year through three years

RCONA586

12,460

M.4.a.(3)

(4) Over three years

RCONA587

13,172

M.4.a.(4)

b. Tim e deposits of $100,000 through $250,000 with a REMAINING MATURITY of one year or less (included in Memorandum items 4.a.(1) and 4.a.(2) above) ⁽³⁾

RCONK221

62,555

M.4.b.

c. Time deposits of more than $250,000 with a REMAINING MATURITY of one year or less (included in Memorandum items 4.a.(1) and 4.a.(2) above) ⁽³⁾

RCONK222

93,328

M.4.c.

(1)	Report fixed rate time deposits by remaining maturity and floating rate time deposits by next repricing date.

(2)	Sum of Memorandum items 3.a.(1) through 3.a.(4) must equal Schedule RC-E, Memorandum item 2.b.

(3)	Report both fixed and floating rate time deposits by remaining maturity. Exclude floating rate time deposits with a next repricing date of one year or less that have a remaining maturity of over one year.

(4)	Sum of Memorandum items 4.a.(1) through 4.a.(4) must equal Schedule RC-E, sum of Memorandum items 2.c and 2.d.

Schedule RCF 35

Schedule RC-F - Other Assets

Dollar Amounts in Thousands

Bil

Mil

Thou

1. Accrued interest receivable ⁽¹⁾

RCONB556

7,318

2. Net deferred tax assets ⁽²⁾

RCON2148

17,783

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

a. Mortgage loans

RCONA519

3.a.

b. Other financial assets

RCONA520

3.b.

4. Equity securities that DO NOT have readily determinable fair values ⁽⁴⁾

RCON1752

2,456

5. Life insurance assets:

a. General account life insurance assets

RCONK201

5.a.

b. Separate account life insurance assets

RCONK202

5.b.

c. Hybrid account life insurance assets

RCONK270

5.c.

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

RCON2168

10,753

a. Prepaid expenses (excluding prepaid assessments)

RCON2166

6.a.

b. Repossessed personal property (including vehicles)

RCON1578

6.b.

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

RCONC010

6.c.

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

RCONC436

6.d.

e. FDIC loss-sharing indemnification assets

RCONJ448

6.e.

f. Prepaid deposit insurance assessments

RCONJ449

6.f.

g. TEXT3549 Fed & State Tax Receivable

RCON3549

2,824

6.g.

h. TEXT3550

RCON3550

6.h.

i. TEXT3551

RCON3551

6.i.

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

RCON2160

38,310

(1)	Includes accrued interest receivable on loans, leases, debt securities, and other interest-bearing assets.

(2)	See discussion of deferred income taxes in Glossary entry on “income taxes.”

(3)	Report interest-only strips receivable in the form of a security as available-for-sale securities in Schedule RC, item 2.b, or as trading assets in Schedule RC, item 5, as appropriate.

(4)	Includes Federal Reserve stock, Federal Home Loan Bank stock, and bankers’ bank stock.

Schedule RCG 36

Schedule RC-G - Other Liabilities

Dollar Amounts in Thousands

Bil

Mil

Thou

a. Interest accrued and unpaid on deposits ⁽¹⁾

RCON3645

418

1.a.

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

RCON3646

3,732

1.b.

2. Net deferred tax liabilities ⁽²⁾

RCON3049

3. Allowance for credit losses on off-balance sheet credit exposures

RCONB557

418

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

RCON2938

24,752

a. Accounts payable

RCON3066

4.a.

b. Deferred compensation liabilities

RCONC011

4.b.

c. Dividends declared but not yet payable

RCON2932

4.c.

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

RCONC012

4.d.

e. TEXT3552 Unfunded Pension Obligation

RCON3552

12,113

4.e.

f. TEXT3553

RCON3553

4.f.

g. TEXT3554

RCON3554

4.g.

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

RCON2930

29,320

(1)	For savings banks, include “dividends” accrued and unpaid on deposits.

(2)	See discussion of deferred income taxes in Glossary entry on “income taxes.”

Schedule RCK 37

Schedule RC-K - Quarterly Averages ⁽¹⁾

Dollar Amounts in Thousands

Bil

Mil

Thou

ASSETS

1. Interest-bearing balances due from depository institutions

RCON3381

144,615

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

RCONB558

6,629

3. Mortgage-backed securities ⁽²⁾

RCONB559

142,049

4. All other securities (includes securities issued by states and political subdivisions in the U.S.) ⁽²⁾ ⁽³⁾

RCONB560

181,034

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

RCON3365

6. Loans:

a. Total loans

RCON3360

1,035,628

6.a.

b. Loans secured by real estate:

(1) Loans secured by 1-4 family residential properties

RCON3465

251,629

6.b.(1)

(2) All other loans secured by real estate

RCON3466

501,273

6.b.(2)

c. Commercial and industrial loans

RCON3387

213,462

6.c.

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

(1) Credit cards

RCONB561

6.d.(1)

(2) Other (includes single payment, installment, all student loans, and revolving credit plans other than credit cards)

RCONB562

57,757

6.d.(2)

7. To be completed by banks with $100 million or more in total assets:

Trading assets ⁽⁴⁾

RCON3401

8. Lease financing receivables (net of unearned income)

RCON3484

9. Total assets ⁽⁵⁾

RCON3368

1,576,796

LIABILITIES

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

RCON3485

30,491

10.

11. Nontransaction accounts:

a. Savings deposits (includes MMDAs)

RCONB563

996,981

11.a.

b. Time deposits of $100,000 or more

RCONA514

193,689

11.b.

c. Time deposits of less than $100,000

RCONA529

90,689

11.c.

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

RCON3353

233

12.

13. To be completed by banks with $100 million or more in total assets:

Other borrowed money (includes mortgage indebtedness and obligations under capitalized leases) ⁽⁴⁾

RCON3355

13.

Memorandum

Dollar Amounts in Thousands

Bil

Mil

Thou

Memorandum item 1 is to be completed by: ⁽⁴⁾

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

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

RCON3386

11,508

M.1.

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

(2)	Quarterly averages for all debt securities should be based on amortized cost.

(3)	Quarterly averages for all equity securities should be based on historical cost.

(4)	The asset size tests and the five percent of total loans test are generally based on the total assets and total loans reported on the June 30, 2010, Report of Condition.

(5)	The quarterly average for total assets should reflect all debt securities (not held for trading) at amortized cost, equity securities with readily determinable fair values at the lower of cost or fair value, and equity securities without readily determinable fair values at historical cost.

Schedule RCL 38

Schedule RC-L - Derivatives and Off-Balance Sheet Items

Please read carefully the instructions for the preparation of Schedule RC-L. Some of the amounts reported in Schedule RC-L are regarded as volume indicators and not necessarily as measures of risk.

Dollar Amounts in Thousands

Bil

Mil

Thou

1. Unused commitments:

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

RCON3814

57,204

1.a.

Items 1.a.(1) and 1.a.(2) are to be completed for the December report only.

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

RCONJ477

N/A

1.a.(1)

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

RCONJ478

N/A

1.a.(2)

b. Credit card lines

RCON3815

1.b.

Items 1.b.(1) and 1.b.(2) are to be completed by banks with either $300 million or more in total assets or $300 million or more in credit card lines (Sum of items 1.b.(1) and 1.b.(2) must equal item 1.b) ⁽¹⁾

(1) Unused consumer credit card lines

RCONJ455

1.b.(1)

(2) Other unused credit card lines

RCONJ456

1.b.(2)

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

(1) Secured by real estate:

(a) 1-4 family residential construction loan commitments

RCONF164

380

1.c.(1)(a)

(b) Commercial real estate, other construction loan, and land development loan commitments

RCONF165

15,874

1.c.(1)(b)

(2) NOT secured by real estate

RCON6550

1.c.(2)

d. Securities underwriting

RCON3817

1.d.

e. Other unused commitments:

(1) Commercial and industrial loans

RCONJ457

40,300

1.e.(1)

(2) Loans to financial institutions

RCONJ458

1.e.(2)

(3) All other unused commitments

RCONJ459

9,760

1.e.(3)

2. Financial standby letters of credit

RCON3819

11,057

Item 2.a is to be completed by banks with $1 billion or more in total assets. ⁽¹⁾

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

RCON3820

2.a.

3. Performance standby letters of credit

RCON3821

8,734

Item 3.a is to be completed by banks with $1 billion or more in total assets. ⁽¹⁾

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

RCON3822

3.a.

4. Commercial and similar letters of credit

RCON3411

5. Not applicable

6. Securities lent (including customers’ securities lent where the customer is indemnified against loss by the reporting bank)

RCON3433

Dollar Amounts in Thousands

(Column A)
Sold Protection

(Column B)
Purchased
Protection

7. Credit derivatives:

a. Notional amounts:

(1) Credit default swaps

RCONC968

RCONC969

7.a.(1)

(2) Total return swaps

RCONC970

RCONC971

7.a.(2)

(3) Credit options

RCONC972

RCONC973

7.a.(3)

(4) Other credit derivatives

RCONC974

RCONC975

7.a.(4)

b. Gross fair values:

(1) Gross positive fair value

RCONC219

RCONC221

7.b.(1)

(2) Gross negative fair value

RCONC220

RCONC222

7.b.(2)

(1)	The asset size tests and the $300 million credit card lines test are generally based on the total assets and credit card lines reported in the June 30, 2010, Report of Condition.

Schedule RCL 39

Schedule RC-L - Continued

Dollar Amounts in Thousands

Bil

Mil

Thou

7.c. Notional amounts by regulatory capital treatment: ⁽¹⁾

(1) Positions covered under the Market Risk Rule:

(a) Sold protection

RCONG401

7.c.(1)(a)

(b) Purchased protection

RCONG402

7.c.(1)(b)

(2) All other positions:

(a) Sold protection

RCONG403

7.c.(2)(a)

(b) Purchased protection that is recognized as a guarantee for regulatory capital purposes

RCONG404

7.c.(2)(b)

RCONG405

7.c.(2)(c)

Dollar Amounts in Thousands

(Column A)
Remaining Maturity of: One
Year or Less

(Column B)
Remaining Maturity of: Over
One Year Through Five Years

(Column C)
Remaining Maturity of: Over
Five Years

7.d. Notional amounts by remaining maturity:

(1) Sold credit protection: ⁽²⁾

(a) Investment grade

RCONG406

RCONG407

RCONG408

7.d.(1)(a)

(b) Subinvestment grade

RCONG409

RCONG410

RCONG411

7.d.(1)(b)

(2) Purchased credit protection: ⁽³⁾

(a) Investment grade

RCONG412

RCONG413

RCONG414

7.d.(2)(a)

(b) Subinvestment grade

RCONG415

RCONG416

RCONG417

7.d.(2)(b)

Dollar Amounts in Thousands

Bil

Mil

Thou

8. Spot foreign exchange contracts

RCON8765

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

RCON3430

a. Securities borrowed

RCON3432

9.a.

b. Commitments to purchase when-issued securities

RCON3434

9.b.

c. Standby letters of credit issued by a Federal Home Loan Bank on the bank’s behalf

RCONC978

9.c.

d. TEXT3555

RCON3555

9.d.

e. TEXT3556

RCON3556

9.e.

f. TEXT3557

RCON3557

9.f.

10. All other off-balance sheet assets (exclude derivatives) (itemize and describe each component of this item over 25% of Schedule RC, item 27.a, “Total bank equity capital”)

RCON5591

10.

a. Commitments to sell when-issued securities

RCON3435

10.a.

b. TEXT5592

RCON5592

10.b.

c. TEXT5593

RCON5593

10.c.

d. TEXT5594

RCON5594

10.d.

e. TEXT5595

RCON5595

10.e.

11. Year-to-date merchant credit card sales volume:

a. Sales for which the reporting bank is the acquiring bank

RCONC223

11.a.

b. Sales for which the reporting bank is the agent bank with risk

RCONC224

11.b.

(1)	Sum of items 7.c.(1)(a) and 7.c.(2)(a) must equal sum of items 7.a.(1) through (4), column A. Sum of items 7.c.(1)(b), 7.c.(2)(b), and 7.c.(2)(c) must equal sum of items 7.a.(1) through (4), column B.

(2)	Sum of items 7.d.(1)(a) and (b), columns A through C, must equal sum of items 7.a.(1) through (4), column A.

(3)	Sum of items 7.d.(2)(a) and (b), columns A through C, must equal sum of items 7.a.(1) through (4), column B.

Schedule RCL 40

Schedule RC-L - Continued

Derivatives Position Indicators

Dollar Amounts in Thousands

(Column A)
Interest Rate
Contracts

(Column B)
Foreign
Exchange
Contracts

(Column C)
Equity Derivative
Contracts

(Column D)
Commodity and
Other Contracts

12. Gross amounts (e.g., notional amounts) (for each column, sum of items 12.a through 12.e must equal sum of items 13 and 14):

a. Futures contracts

RCON8693

RCON8694

RCON8695

RCON8696

12.a.

b. Forward contracts

RCON8697

RCON8698

RCON8699

RCON8700

12.b.

c. Exchange-traded option contracts:

(1) Written options

RCON8701

RCON8702

RCON8703

RCON8704

12.c.(1)

(2) Purchased options

RCON8705

RCON8706

RCON8707

RCON8708

12.c.(2)

d. Over-the-counter option contracts:

(1) Written options

RCON8709

RCON8710

RCON8711

RCON8712

12.d.(1)

(2) Purchased options

RCON8713

RCON8714

RCON8715

RCON8716

12.d.(2)

e. Swaps

RCON3450

RCON3826

RCON8719

RCON8720

12.e.

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

RCONA126

RCONA127

RCON8723

RCON8724

13.

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

RCON8725

RCON8726

RCON8727

RCON8728

14.

a. Interest rate swaps where the bank has agreed to pay a fixed rate

RCONA589

14.a.

15. Gross fair values of derivative contracts:

a. Contracts held for trading:

(1) Gross positive fair value

RCON8733

RCON8734

RCON8735

RCON8736

15.a.(1)

(2) Gross negative fair value

RCON8737

RCON8738

RCON8739

RCON8740

15.a.(2)

b. Contracts held for purposes other than trading:

(1) Gross positive fair value

RCON8741

RCON8742

RCON8743

RCON8744

15.b.(1)

(2) Gross negative fair value

RCON8745

RCON8746

RCON8747

RCON8748

15.b.(2)

Schedule RCL 41

Schedule RC-L - Continued

Item 16 is to be completed only by banks with total assets of $10 billion or more.⁽¹⁾

Dollar Amounts in Thousands

(Column A)
Banks and
Securities Firms

(Column B)
Monoline
Financial
Guarantors

(Column C)
Hedge Funds

(Column D)
Sovereign
Governments

(Column E)
Corporations
and All Other
Counterparties

16. Over-the-counter derivatives:

a. Net current credit exposure

RCONG418

RCONG419

RCONG420

RCONG421

RCONG422

N/A

16.a.

b. Fair value of collateral:

(1) Cash - U.S. dollar

RCONG423

RCONG424

RCONG425

RCONG426

RCONG427

N/A

16.b.(1)

(2) Cash - Other currencies

RCONG428

RCONG429

RCONG430

RCONG431

RCONG432

N/A

16.b.(2)

(3) U.S. Treasury securities

RCONG433

RCONG434

RCONG435

RCONG436

RCONG437

N/A

16.b.(3)

(4) U.S. Government agency and U.S. Government-sponsored agency debt securities

RCONG438

N/A

RCONG439

N/A

RCONG440

N/A

RCONG441

N/A

RCONG442

N/A

16.b.(4)

(5) Corporate bonds

RCONG443

RCONG444

RCONG445

RCONG446

RCONG447

N/A

16.b.(5)

(6) Equity securities

RCONG448

RCONG449

RCONG450

RCONG451

RCONG452

N/A

16.b.(6)

(7) All other collateral

RCONG453

RCONG454

RCONG455

RCONG456

RCONG457

N/A

16.b.(7)

(8) Total fair value of collateral (sum of items 16.b.(1) through (7))

RCONG458

N/A

RCONG459

N/A

RCONG460

N/A

RCONG461

N/A

RCONG462

N/A

16.b.(8)

(1)	The $10 billion asset size test is generally based on the total assets reported on the June 30, 2010, Report of Condition.

Schedule RCM 42

Schedule RC-M - Memoranda

Dollar Amounts in Thousands

Bil

Mil

Thou

1. Extensions of credit by the reporting bank to its executive officers, directors, principal shareholders, and their related interests as of the report date:

a. Aggregate amount of all extensions of credit to all executive officers, directors, principal shareholders, and their related interests

RCON6164

26,193

1.a.

Number

b. Number of executive officers, directors, and principal shareholders to whom the amount of all extensions of credit by the reporting bank (including extensions of credit to related interests) equals or exceeds the lesser of $500,000 or 5 percent of total capital as defined for this purpose in agency regulations

RCON6165

1.b.

2. Intangible assets other than goodwill:

a. Mortgage servicing assets

RCON3164

1,630

2.a.

(1) Estimated fair value of mortgage servicing assets

RCONA590

1,630

2.a.(1)

b. Purchased credit card relationships and nonmortgage servicing assets

RCONB026

2.b.

c. All other identifiable intangible assets

RCON5507

2.c.

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

RCON0426

1,630

2.d.

3. Other real estate owned:

a. Construction, land development, and other land

RCON5508

3.a.

b. Farmland

RCON5509

3.b.

c. 1-4 family residential properties

RCON5510

3.c.

d. Multifamily (5 or more) residential properties

RCON5511

3.d.

e. Nonfarm nonresidential properties

RCON5512

1,800

3.e.

f. Foreclosed properties from “GNMA loans”

RCONC979

3.f.

g. Total (sum of items 3.a through 3.f) (must equal Schedule RC, item 7)

RCON2150

1,800

3.g.

4. Not applicable

5. Other borrowed money:

a. Federal Home Loan Bank advances:

(1) Advances with a remaining maturity or next repricing date of:⁽¹⁾

(a) One year or less

RCONF055

5.a.(1)(a)

(b) Over one year through three years

RCONF056

5.a.(1)(b)

RCONF057

5.a.(1)(c)

(d) Over five years

RCONF058

5.a.(1)(d)

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

RCON2651

5.a.(2)

(3) Structured advances (included in items 5.a.(1)(a)-(d) above)

RCONF059

5.a.(3)

b. Other borrowings:

(1) Other borrowings with a remaining maturity or next repricing date of: ⁽³⁾

(a) One year or less

RCONF060

5.b.(1)(a)

(b) Over one year through three years

RCONF061

5.b.(1)(b)

RCONF062

5.b.(1)(c)

(d) Over five years

RCONF063

5.b.(1)(d)

(2) Other borrowings with a REMAINING MATURITY of one year or less (included in item 5.b.(1)(a) above)⁽⁴⁾

RCONB571

5.b.(2)

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

RCON3190

5.c.

(1)	Report fixed rate advances by remaining maturity and floating rate advances by next repricing date.

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

(3)	Report fixed rate other borrowings by remaining maturity and floating rate other borrowings by next repricing date.

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

Schedule RCM 43

Schedule RC-M - Continued

Yes/No

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

RCONB569

YES

Dollar Amounts in Thousands

Bil

Mil

Thou

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

RCONB570

8. Primary Internet Web site address of the bank (home page), if any (Example: www.examplebank.com)

TEXT4087

http://www.scnb.com

Yes/No

9. Do any of the bank’s Internet Web sites have transactional capability, i.e., allow the bank’s customers to execute transactions on their accounts through the Web site?

RCON4088

YES

Dollar Amounts in Thousands

Bil

Mil

Thou

10. Secured liabilities:

a. Amount of “Federal funds purchased” that are secured (included in Schedule RC, item 14.a)

RCONF064

10.a.

b. Amount of “Other borrowings” that are secured (included in Schedule RC-M, items 5.b.(1)(a)-(d))

RCONF065

10.b.

Yes/No

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

RCONG463

YES

11.

12. Does the bank provide custody, safekeeping, or other services involving the acceptance of orders for the sale or purchase of securities?

RCONG464

YES

12.

Dollar Amounts in Thousands

Bil

Mil

Thou

13. Assets covered by loss-sharing agreements with the FDIC:

a. Loans and leases (included in Schedule RC, items 4.a and 4.b):

(1) Loans secured by real estate:

(a) Construction, land development, and other land loans:

(1) 1-4 family residential construction loans

RCONK169

13.a.(1)(a)(1)

(2) Other construction loans and all land development and other land loans

RCONK170

13.a.(1)(a)(2)

(b) Secured by farm land

RCONK171

13.a.(1)(b)

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

RCONK172

13.a.(1)(c)(1)

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

(a) Secured by first liens

RCONK173

13.a.(1)(c)(2)(a)

(b) Secured by junior liens

RCONK174

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

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

RCONK175

13.a.(1)(d)

(e) Secured by nonfarm nonresidential properties:

(1) Loans secured by owner-occupied nonfarm nonresidential properties

RCONK176

13.a.(1)(e)(1)

(2) Loans secured by other nonfarm nonresidential properties

RCONK177

13.a.(1)(e)(2)

(2) Not applicable

(3) Commercial and industrial loans

RCONK179

13.a.(3)

Schedule RCM 44

Schedule RC-M - Continued

Dollar Amounts in Thousands

Bil

Mil

Thou

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

(a) Credit cards

RCONK180

13.a.(4)(a)

(b) Automobile loans

RCONK181

13.a.(4)(b)

(c) Other consumer loans (includes single payment, installment, all student loans, and revolving credit plans other than credit cards)

RCONK182

13.a.(4)(c)

(5) All other loans and all leases

RCONK183

13.a.(5)

Itemize the categories of loans and leases (as defined in Schedule RC-C, part I) included in item 13.a.(5) above that exceed 10% of total loans and leases covered by loss-sharing agreements with the FDIC (sum of items 13.a.(1) through (5)):

(a) Loans to depository institutions and acceptances of other banks

RCONK184

13.a.(5)(a)

(b) Loans to foreign governments and official institutions

RCONK185

13.a.(5)(b)

RCONK186

13.a.(5)(c)

Item 13.a.(5)(c)(1) is to be completed by: ⁽²⁾

— Banks with $300 million or more in total assets

— Banks with less than $300 million in total assets that have loans to finance agricultural production and other loans to farmers (Schedule RC-C, part I, item 3 exceeding five percent of total loans

(1) Loans to finance agricultural production and other loans to farmers included in Schedule RC-M, item 13.a.(5)(c), above

RCONK178

13.a.(5)(c)(1)

(d) Lease financing receivables

RCONK273

13.a.(5)(d)

b. Other real estate owned (included in Schedule RC, item 7):

(1) Construction, land development, and other land

RCONK187

13.b.(1)

(2) Farm land

RCONK188

13.b.(2)

(3) 1-4 family residential properties

RCONK189

13.b.(3)

(4) Multifamily (5 or more) residential properties

RCONK190

13.b.(4)

(5) Nonfarm nonresidential properties

RCONK191

13.b.(5)

(6) Not applicable

(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

RCONK192

13.b.(7)

c. Debt securities (included in Schedule RC, items 2.a and 2.b)

RCONJ461

13.c.

d. Other assets (exclude FDIC loss-sharing indemnification assets)

RCONJ462

13.d.

14. Captive insurance and reinsurance subsidiaries:

a. Total assets of captive insurance subsidiaries ⁽³⁾

RCONK193

14.a.

b. Total assets of captive reinsurance subsidiaries ⁽³⁾

RCONK194

14.b.

(1)	Includes “Loans to finance agricultural production and other loans to farmers,” “Obligations (other than securities and leases) of states and political subdivisions in the U.S.,” and “Loans to nondepository financial institutions and other loans.”

(2)	The $300 million asset size test and the five percent of total loans test are generally based on the total assets and total loans reported on the June 30, 2010, Report of Condition.

(3)	Report total assets before eliminating intercompany transactions between the consolidated insurance or reinsurance subsidiary and other offices or consolidated subsidiaries of the reporting bank.

Schedule RCN 45

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

Dollar Amounts in Thousands

(Column A)
Past due 30 through 89 days
and still accruing

(Column B)
Past due 90 days or more and
still accruing

(Column C)
Nonaccrual

1. Loans secured by real estate:

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

(1) 1-4 family residential construction loans

RCONF172

RCONF174

RCONF176

1.a.(1)

(2) Other construction loans and all land development and other land loans

RCONF173

4,250

RCONF175

RCONF177

17,976

1.a.(2)

b. Secured by farmland

RCON3493

RCON3494

RCON3495

1.b.

c. Secured by 1-4 family residential properties:

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

RCON5398

123

RCON5399

RCON5400

3,912

1.c.(1)

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

(a) Secured by first liens

RCONC236

2,016

RCONC237

RCONC229

5,949

1.c.(2)(a)

(b) Secured by junior liens

RCONC238

1,142

RCONC239

RCONC230

628

1.c.(2)(b)

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

RCON3499

RCON3500

RCON3501

1.d.

e. Secured by nonfarm nonresidential properties:

(1) Loans secured by owner-occupied nonfarm nonresidential properties

RCONF178

3,932

RCONF180

RCONF182

25,961

1.e.(1)

(2) Loans secured by other nonfarm nonresidential properties

RCONF179

RCONF181

RCONF183

19,727

1.e.(2)

2. Loans to depository institutions and acceptances of other banks

RCONB834

RCONB835

RCONB836

3. Not applicable

4. Commercial and industrial loans

RCON1606

11,612

RCON1607

RCON1608

17,108

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

a. Credit cards

RCONB575

RCONB576

RCONB577

5.a.

b. Automobile loans

RCONK213

RCONK214

RCONK215

5.b.

c. Other consumer loans (includes single payment, installment, all student loans, and revolving credit plans other than credit cards)

RCONK216

279

RCONK217

RCONK218

714

5.c.

6. Loans to foreign governments and official institutions

RCON5389

RCON5390

RCON5391

7. All other loans ⁽¹⁾

RCON5459

RCON5460

RCON5461

8. Lease financing receivables

RCON1226

RCON1227

RCON1228

9. Debt securities and other assets (exclude other real estate owned and other repossessed assets)

RCON3505

RCON3506

RCON3507

(1)	Includes past due and nonaccrual “Loans to finance agricultural production and other loans to farmers” “Obligations (other than securities and leases) of states and political subdivisions in the U.S.,” and “Loans to nondepository financial institutions and other loans.”

Schedule RCN 46

Schedule RC-N - Continued

Amounts reported in Schedule RC-N, items 1 through 8, above include guaranteed and unguaranteed portions of past due and nonaccrual loans and leases. Report in items 10 and 11 below certain guaranteed loans and leases that have already been included in the amounts reported in items 1 through 8.

Dollar Amounts in Thousands

(Column A)
Past due 30 through 89 days
and still accruing

(Column B)
Past due 90 days or more and
still accruing

(Column C)
Nonaccrual

10. Loans and leases reported in items 1 through 8 above that are wholly or partially guaranteed by the U.S. Government, excluding loans and leases covered by loss-sharing agreements with the FDIC

RCONK036

RCONK037

RCONK038

10.

a. Guaranteed portion of loans and leases included in item 10 above (exclude rebooked “GNMA loans”)

RCONK039

RCONK040

RCONK041

10.a.

b. Rebooked “GNMA loans” that have been repurchased or are eligible for repurchase included in item 10

RCONK042

RCONK043

RCONK044

10.b.

11. Loans and leases reported in items 1 through 8 above that are covered by loss-sharing agreements with the FDIC:

a. Loans secured by real estate:

(1) Construction, land development, and other land loans:

(a) 1-4 family residential construction loans

RCONK045

RCONK046

RCONK047

11.a.(1)(a)

(b) Other construction loans and all land development and other land loans

RCONK048

RCONK049

RCONK050

11.a.(1)(b)

(2) Secured by farm land

RCONK051

RCONK052

RCONK053

11.a.(2)

(3) Secured by 1-4 family residential properties:

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

RCONK054

RCONK055

RCONK056

11.a.(3)(a)

(b) Closed-end loans secured by 1-4 family residential properties:

(1) Secured by first liens

RCONK057

RCONK058

RCONK059

11.a.(3)(b)(1)

(2) Secured by junior liens

RCONK060

RCONK061

RCONK062

11.a.(3)(b)(2)

(4) Secured by multifamily (5 or more) residential properties

RCONK063

RCONK064

RCONK065

11.a.(4)

(5) Secured by nonfarm nonresidential properties:

(a) Loans secured by owner-occupied nonfarm nonresidential properties

RCONK066

RCONK067

RCONK068

11.a.(5)(a)

(b) Loans secured by other nonfarm nonresidential properties

RCONK069

RCONK070

RCONK071

11.a.(5)(b)

b. Not applicable

c. Commercial and industrial loans

RCONK075

RCONK076

RCONK077

11.c.

Schedule RCN 47

Schedule RC-N - Continued

Dollar Amounts in Thousands

(Column A)
Past due 30 through 89 days
and still accruing

(Column B)
Past due 90 days or more and
still accruing

(Column C)
Nonaccrual

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

(1) Credit cards

RCONK078

RCONK079

RCONK080

11.d.(1)

(2) Automobile loans

RCONK081

RCONK082

RCONK083

11.d.(2)

(3) Other consumer loans (includes single payment, installment, all student loans, and revolving credit plans other than credit cards)

RCONK084

RCONK085

RCONK086

11.d.(3)

e. All other loans and all leases

RCONK087

RCONK088

RCONK089

11.e.

Itemize the past due and nonaccrual amounts included in item 11.e above for the loan and lease categories for which amounts were reported in Schedule RC-M , items 13.a.(5)(a) through (d):

(1) Loans to depository institutions & acceptances of other banks

RCONK091

RCONK092

RCONK093

11.e.(1)

(2) Loans to foreign governments and official institutions

RCONK095

RCONK096

RCONK097

11.e.(2)

(3) Other loans ⁽¹⁾

RCONK099

RCONK100

RCONK101

11.e.(3)

Memo item 11.e.(3)(a) is to be completed by: ⁽²⁾

— Banks with $300 million or more in total assets

— Banks with less than $300 million in total assets that have loans to finance agricultural production and other loans to farmers (Schedule RC-C, part I, item 3) exceeding five percent of total loans

(a) Loans to finance agricultural production and other loans to farmers included in Schedule RC-N, item 11.e.(3), above

RCONK072

RCONK073

RCONK074

11.e.(3)(a)

(4) Lease financing receivables

RCONK269

RCONK271

RCONK272

11.e.(4)

f. Portion of covered loans and leases included in items 11.a through 11.e above that is protected by FDIC loss-sharing agreements

RCONK102

RCONK103

RCONK104

11.f.

(1)	Includes “Loans to finance agricultural production and other loans to farmers,” “Obligations (other than securities and leases) of states and political subdivisions in the U.S.”, and “Loans to nondepository financial institutions and other loans.”

(2)	The $300 million asset size test and the five percent of total loans test are generally based on the total assets and total loans reported on the June 30, 2010, Report of Condition.

Schedule RCN 48

Schedule RC-N - Continued

Memoranda

Dollar Amounts in Thousands

(Column A)
Past due 30 through 89 days
and still accruing

(Column B)
Past due 90 days or more and
still accruing

(Column C)
Nonaccrual

1. Loans restructured in troubled debt restructurings included in Schedule RC-N, items 1 through 7, above (and not reported in Schedule RC-C, Part 1, Memorandum item 1):

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

(1) 1-4 family residential construction loans

RCONK105

RCONK106

RCONK107

M.1.a.(1)

(2) Other construction loans and all land development and other land loans

RCONK108

RCONK109

RCONK110

6,105

M.1.a.(2)

b. Loans secured by 1-4 family residential properties

RCONF661

1,324

RCONF662

RCONF663

1,683

M.1.b.

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

RCONK111

RCONK112

RCONK113

M.1.c.

d. Secured by nonfarm nonresidential properties:

(1) Loans secured by owner-occupied nonfarm nonresidential properties

RCONK114

RCONK115

RCONK116

13,075

M.1.d.(1)

(2) Loans secured by other nonfarm nonresidential properties

RCONK117

RCONK118

RCONK119

1,640

M.1.d.(2)

e. Commercial and industrial loans

RCONK257

RCONK258

RCONK259

5,354

M.1.e.

Memorandum items 1.e.(1) and (2) are to be completed by banks with $300 million or more in total assets (sum of Memorandum items 1.e.(1) and (2) must equal Memorandum item 1.e.): ⁽¹⁾

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

RCONK120

RCONK121

RCONK122

5,354

M.1.e.(1)

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

RCONK123

RCONK124

RCONK125

M.1.e.(2)

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

RCONK126

181

RCONK127

RCONK128

M.1.f.

(1)	The $300 million asset size test is generally based on the total assets reported on the June 30, 2010, Report of Condition.

Schedule RCN 49

Schedule RC-N - Continued

Memoranda (continued)

Dollar Amounts in Thousands

(Column A)
Past due 30 through 89 days
and still accruing

(Column B)
Past due 90 days or more
and still accruing

(Column C)
Nonaccrual

Itemize loan categories included in Memorandum item 1.f, above that exceed 10% of total loans restructured in troubled debt restructurings that are past due 30 days or more or in nonaccrual status (sum of Memorandum items 1.a through 1.e plus 1.f, columns A through C):

(1) Loans secured by farm land

RCONK130

RCONK131

RCONK132

M.1.f.(1)

(2) Loans to depository institutions & acceptances of other banks

RCONK134

RCONK135

RCONK136

M.1.f.(2)

(3) Not applicable

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

(a) Credit cards

RCONK274

RCONK275

RCONK276

M.1.f.(4)(a)

(b) Automobile loans

RCONK277

RCONK278

RCONK279

M.1.f.(4)(b)

(c) Other consumer loans (includes single payment, installment, all student loans, and revolving credit plans other than credit cards)

RCONK280

RCONK281

RCONK282

M.1.f.(4)(c)

(5) Loans to foreign governments and official institutions

RCONK283

RCONK284

RCONK285

M.1.f.(5)

(6) Other loans ⁽¹⁾

RCONK286

RCONK287

RCONK288

M.1.f.(6)

Memorandum item 1.f.(6)(a) is to be completed by: ⁽²⁾

— Banks with $300 million or more in total assets

— Banks with less than $300 million in total assets that have loans to finance agricultural production and other loans to farmers (Schedule RC-C, Part I, item 3) exceeding five percent of total loans

(a) Loans to finance agricultural production and other loans to farmers included in Schedule RC-N, Memorandum item 1.f.(6), above

RCONK138

RCONK139

RCONK140

M.1.f.(6)(a)

2. Loans to finance commercial real estate, construction, and land development activities (not secured by real estate) included in Schedule RC-N, items 4 and 7, above

RCON6558

RCON6559

RCON6560

M.2.

(1)	Includes “Loans to finance agricultural production and other loans to farmers,” “Obligations (other than securities and leases) of states and political subdivisions in the U.S.” and “Loans to nondepository financial institutions and other loans.”

(2)	The $300 million asset size test and the five percent of total loans test are generally based on the total assets and total loans reported on the June 30, 2010, Report of Condition.

Schedule RCN 50

Schedule RC-N - Continued

Memoranda (continued)

Dollar Amounts in Thousands

(Column A)
Past due 30 through 89 days
and still accruing

(Column B)
Past due 90 days or more and
still accruing

(Column C)
Nonaccrual

3. Memo items 3.a. through 3.d are to be completed by banks with $300 million or more in total assets: ⁽¹⁾

a. Loans secured by real estate to non- U.S. addressees (domicile) (included in Schedule RC-N, item 1, above)

RCON1248

RCON1249

RCON1250

M.3.a.

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

RCON5380

RCON5381

RCON5382

M.3.b.

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

RCON1254

RCON1255

RCON1256

M.3.c.

d. Leases to individuals for household, family, and other personal expenditures (included in Schedule RC-N, item 8, above)

RCONF166

RCONF167

RCONF168

M.3.d.

Memo item 4 is to be completed by:

— banks with $300 million or more in total assets

4. Loans to finance agricultural production and other loans to farmers (included in Schedule RC-N, item 7, above)

RCON1594

RCON1597

RCON1583

M.4.

5. Loans and leases held for sale and loans measured at fair value (included in Schedule RC-N, items 1 through 8):

a. Loans and leases held for sale

RCONC240

RCONC241

RCONC226

M.5.a.

b. Loans measured at fair value:

(1) Fair value

RCONF664

RCONF665

RCONF666

M.5.b.(1)

(2) Unpaid principal balance

RCONF667

RCONF668

RCONF669

M.5.b.(2)

Dollar Amounts in Thousands

(Column A)
Past due 30 through 89 days

(Column B)
Past due 90 days or more

Memorandum item 6 is to be completed by banks with $300 million or more in total assets: ⁽¹⁾

6. Derivative contracts: Fair value of amounts carried as assets

RCON3529

RCON3530

M.6.

Dollar Amounts in Thousands

Bil

Mil

Thou

7. Additions to nonaccrual assets during the quarter

RCONC410

41,809

M.7.

8. Nonaccrual assets sold during the quarter

RCONC411

M.8.

(1)	The $300 million asset size test and the five percent of total loans test are generally based on the total assets and total loans reported on the June 30, 2010, Report of Condition.

Schedule RCO 51

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

All FDIC-insured depository institutions must complete items 1 and 2, 4 through 11, Memorandum items 1 and 5, and, if applicable, Memorandum items 2, 3, and 6 through 15 each quarter.

Dollar Amounts in Thousands

Bil

Mil

Thou

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

RCONF236

1,444,707

2. Total allowable exclusions, including interest accrued and unpaid on allowable exclusions

RCONF237

3. Not applicable

4. Average consolidated total assets

RCONK652

1,487,340

Number

a. Averaging method used (for daily averaging, enter 1; for weekly averaging, enter 2)

RCONK653

4.a.

5. Average tangible equity ⁽¹⁾

RCONK654

135,629

6. Holdings of long-term unsecured debt issued by other FDIC-insured depository institutions

RCONK655

7. Unsecured “Other borrowings” with a remaining maturity of (sum of items 7.a through 7.d must be less than or equal to Schedule RC-M, items 5.b.(1)(a)-(d) minus item 10.b):

a. One year or less

RCONG465

7.a.

b. Over one year through three years

RCONG466

7.b.

c. Over three years through five years

RCONG467

7.c.

d. Over five years

RCONG468

7.d.

8. Subordinated notes and debentures with a remaining maturity of (sum of items 8.a through 8.d must equal Schedule RC, item 19):

a. One year or less

RCONG469

8.a.

b. Over one year through three years

RCONG470

8.b.

c. Over three years through five years

RCONG471

8.c.

d. Over five years

RCONG472

8.d.

9. Reciprocal brokered deposits (included in Schedule RC-E, Memorandum item 1.b)

RCONG803

14,606

Yes/No

10. Banker’s bank certification: Does the reporting institution meet both the statutory definition of a banker’s bank and the business conduct test set forth in FDIC regulations?

RCONK656

10.

Dollar Amounts in Thousands

Bil

Mil

Thou

If the answer to item 10 is “YES,” complete items 10.a and 10.b.

a. Banker’s bank deduction

RCONK657

N/A

10.a.

b. Banker’s bank deduction limit

RCONK658

N/A

10.b.

Yes/No

11. Custodial bank certification: Does the reporting institution meet the definition of a custodial bank set forth in FDIC regulations?

RCONK659

11.

Dollar Amounts in Thousands

Bil

Mil

Thou

If the answer to item 11 is “YES,” complete items 11.a and 11.b.

a. Custodial bank deduction

RCONK660

N/A

11.a.

b. Custodial bank deduction limit

RCONK661

N/A

11.b.

(1)	Tangible equity is defined as Tier 1 capital as set forth in the banking agencies’ regulatory capital standards and reported in Schedule RC-R, item 11.

Schedule RCO 52

Schedule RC-O - Continued

Memoranda

Dollar Amounts in Thousands

Bil

Mil

Thou

1. Total deposit liabilities of the bank, including related interest accrued and unpaid, less allowable exclusions, including related interest accrued and unpaid (sum of Memorandum items 1.a.(1), 1.b.(1), 1.c.(1), and 1.d.(1) must equal Schedule RC-O, item 1 less item 2):

a. Deposit accounts (excluding retirement accounts) of $250,000 or less: ⁽¹⁾

(1) Amount of deposit accounts (excluding retirement accounts) of $250,000 or less

RCONF049

786,678

M.1.a.(1)

Number

(2) Number of deposit accounts (excluding retirement accounts) of $250,000 or less

RCONF050

66572

M.1.a.(2)

b. Deposit accounts (excluding retirement accounts) of more than $250,000: ⁽¹⁾

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

RCONF051

638,215

M.1.b.(1)

Number

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

RCONF052

706

M.1.b.(2)

c. Retirement deposit accounts of $250,000 or less: ⁽¹⁾

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

RCONF045

18,364

M.1.c.(1)

Number

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

RCONF046

1755

M.1.c.(2)

d. Retirement deposit accounts of more than $250,000: ⁽¹⁾

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

RCONF047

1,450

M.1.d.(1)

Number

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

RCONF048

M.1.d.(2)

Memorandum item 2 is to be completed by banks with $1 billion or more in total assets. ⁽²⁾

2. Estimated amount of uninsured deposits, including related interest accrued and unpaid (see instructions) ⁽³⁾

RCON5597

266,209

M.2.

3. Has the reporting institution been consolidated with a parent bank or savings association in that parent bank’s or parent savings association’s Call Report or Thrift Financial Report? If so, report the legal title and FDIC Certificate Number of the parent bank or parent savings association:

a. Legal title TEXTA545

M.3.a.

b. FDIC Certificate Number

RCONA545

M.3.b.

4. Not applicable

Memorandum items 5.a and 5.b are to be completed by all banks.

5. Noninterest-bearing transaction accounts (as defined in Section 343 of the Dodd-Frank Act) of more than $250,000 (see instructions): ⁽⁴⁾

a. Amount of noninterest-bearing transaction accounts of more than $250,000

RCONJ944

272,115

M.5.a.

Number

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

RCONJ945

305

M.5.b.

(1)	The dollar amounts used as the basis for reporting in Memorandum items 1.a through 1.d reflect the deposit insurance limits in effect on the report date excluding the temporary unlimited insurance coverage on noninterest-bearing transaction accounts.

(2)	The $1 billion asset size test is generally based on the total assets reported on the June 30, 2010, Report of Condition.

(3)	Uninsured deposits should be estimated based on the deposit insurance limits set forth in Memorandum items 1.a through 1.d and the temporary unlimited insurance coverage on noninterest-bearing transaction accounts.

(4)	Excludes interest-bearing demand deposits.

Schedule RCO 53

Schedule RC-O - Continued

Amounts reported in Memorandum items 6 through 9, 14, and 15 will not be made available to the public on an individual institution basis.

Memoranda (continued)


Dollar Amounts in Thousands		Bil	Mil	Thou
*Memorandum items 6 through 12 are to be completed by “large institutions” and “highly complex institutions” as defined in FDIC regulations.*
6. Criticized and classified item s:
a. Special mention	RCONK663	N/A			M.6.a.
b. Substandard	RCONK664	N/A			M.6.b.
c. Doubtful	RCONK665	N/A			M.6.c.
d. Loss	RCONK666	N/A			M.6.d.
7. “Nontraditional 1-4 family residential mortgage loans” as defined for assessment purposes only in FDIC regulations	RCONK675	N/A			M.7.
8. “Subprime consumer loans” as defined for assessment purposes only in FDIC regulations	RCONK667	N/A			M.8.
9. “Leveraged loans and securities” as defined for assessment purposes only in FDIC regulations	RCONK668	N/A			M.9.
10. Commitments to fund construction, land development, and other land loans secured by real estate:
a. Total unfunded commitments	RCONK676	N/A			M.10.a.
b. Portion of unfunded commitments guaranteed or insured by the U.S. government (including the FDIC)	RCONK677	N/A			M.10.b.
11. Amount of other real estate owned recoverable from the U.S. government under guarantee or insurance provisions (excluding FDIC loss-sharing agreements)	RCONK669	N/A			M.11.
12. Nonbrokered time deposits of more than $250,000 (included in Schedule RC-E, Memorandum item 2.d)	RCONK678	N/A			M.12.

Memorandum item 13.a is to be completed by “large institutions” and “highly complex institutions” as defined in FDIC regulations. Memorandum items 13.b through 13.g are to be completed by “large institutions” only.
13. Portion of funded loans guaranteed or insured by the U.S. government (excluding FDIC loss-sharing agreements):
a. Construction, land development, and other land loans secured by real estate	RCONK679	N/A			M.13.a.
b. Loans secured by multifamily residential and nonfarm nonresidential properties	RCONK680	N/A			M.13.b.
c. Closed-end loans secured by first liens on 1-4 family residential properties	RCONK681	N/A			M.13.c.
d. Closed-end loans secured by junior liens on 1-4 family residential properties and revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit	RCONK682	N/A			M.13.d.
e. Commercial and industrial loans	RCONK670	N/A			M.13.e.
f. Credit card loans to individuals for household, family, and other personal expenditures	RCONK671	N/A			M.13.f.
g. Other consumer loans (includes other revolving credit plans, automobile loans, single payment, installment, and all student loans)	RCONK672	N/A			M.13.g.

*Memorandum items 14 and 15 are to be completed by “highly complex institutions” as defined in FDIC regulations.*
14. Amount of the institution’s largest counterparty exposure	RCONK673	N/A			M.14.
15. Total amount of the institution’s 20 largest counterparty exposures	RCONK674	N/A			M.15.

Schedule RCP 54

Schedule RC-P - 1-4 Family Residential Mortgage Banking Activities

Schedule RC-P is to be completed by (1) all banks with $1 billion or more in total assets ⁽¹⁾ and (2) banks with less than $1 billion in total assets at which either 1–4 family residential mortgage loan originations and purchases for resale ⁽²⁾ from all sources, loan sales, or quarter-end loans held for sale or trading exceed $10 million for two consecutive quarters.

Dollar Amounts in Thousands

Bil

Mil

Thou

1. Retail originations during the quarter of 1-4 family residential mortgage loans for sale: ⁽²⁾

a. Closed-end first liens

RCONF066

2,581

1.a.

b. Closed-end junior liens

RCONF067

1.b.

c. Open-end loans extended under lines of credit:

(1) Total commitment under the lines of credit

RCONF670

1.c.(1)

(2) Principal amount funded under the lines of credit

RCONF671

1.c.(2)

2. Wholesale originations and purchases during the quarter of 1-4 family residential mortgage loans for sale: ⁽²⁾

a. Closed-end first liens

RCONF068

2.a.

b. Closed-end junior liens

RCONF069

2.b.

c. Open-end loans extended under lines of credit:

(1) Total commitment under the lines of credit

RCONF672

2.c.(1)

(2) Principal amount funded under the lines of credit

RCONF673

2.c.(2)

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

a. Closed-end first liens

RCONF070

2,184

3.a.

b. Closed-end junior liens

RCONF071

3.b.

c. Open-end loans extended under lines of credit:

(1) Total commitment under the lines of credit

RCONF674

3.c.(1)

(2) Principal amount funded under the lines of credit

RCONF675

3.c.(2)

4. 1-4 family residential mortgage loans held for sale or trading at quarter-end (included in Schedule RC, items 4.a and 5):

a. Closed-end first liens

RCONF072

397

4.a.

b. Closed-end junior liens

RCONF073

4.b.

c. Open-end loans extended under lines of credit:

(1) Total commitment under the lines of credit

RCONF676

4.c.(1)

(2) Principal amount funded under the lines of credit

RCONF677

4.c.(2)

5. Noninterest income for the quarter from the sale, securitization, and servicing of 1-4 family residential mortgage loans (included in Schedule RI, items 5.c, 5.f, 5.g, and 5.i):

a. Closed-end 1-4 family residential mortgage loans

RIADF184

5.a.

b. Open-end 1-4 family residential mortgage loans extended under lines of credit

RIADF560

5.b.

6. Repurchases and indemnifications of 1-4 family residential mortgage loans during the quarter:

a. Closed-end first liens

RCONF678

6.a.

b. Closed-end junior liens

RCONF679

6.b.

c. Open-end loans extended under lines of credit:

(1) Total commitment under the lines of credit

RCONF680

6.c.(1)

(2) Principal amount funded under the lines of credit

RCONF681

6.c.(2)

(1)	The $1 billion asset size test is generally based on the total assets reported on the June 30, 2010, Report of Condition.

(2)	Exclude originations and purchases of 1-4 family residential mortgage loans that are held for investment.

Schedule RCQ 55

Schedule RC-Q - Assets and Liabilities Measured at Fair Value on a Recurring Basis

Schedule RC-Q is to be completed by banks that:

(1)	Had total assets of $500 million or more as of the beginning of their fiscal year; or

(2)	Had total assets of less than $500 million as of the beginning of their fiscal year and either:

(a)

Have elected to report financial instruments or servicing assets and liabilities at fair value under a fair value option with changes in fair value recognized in earnings, or

(b)

Are required to complete Schedule RC-D, Trading Assets and Liabilities.


Dollar Amounts in Thousands	(Column A) Total Fair Value Reported on Schedule RC		(Column B) LESS: Amounts Netted in the Determination of Total Fair Value		(Column C) Level 1 Fair Value Measurements		(Column D) Level 2 Fair Value Measurements		(Column E) Level 3 Fair Value Measurements
ASSETS
1. Available-for-sale securities		RCON1773		RCONG474		RCONG475		RCONG476		RCONG477
		307,442		0		0		307,362		80	1.
2. Federal funds sold and securities purchased under agreements to resell		RCONG478		RCONG479		RCONG480		RCONG481		RCONG482
		0		0		0		0		0	2.
3. Loans and leases held for sale		RCONG483		RCONG484		RCONG485		RCONG486		RCONG487
		0		0		0		0		0	3.
4. Loans and leases held for investment		RCONG488		RCONG489		RCONG490		RCONG491		RCONG492
		0		0		0		0		0	4.
5. Trading assets:
a. Derivative assets		RCON3543		RCONG493		RCONG494		RCONG495		RCONG496
		0		0		0		0		0	5.a.
b. Other trading assets		RCONG497		RCONG498		RCONG499		RCONG500		RCONG501
		0		0		0		0		0	5.b.
(1) Nontrading securities at fair value with changes in fair value reported in current earnings (included in Schedule RC-Q, item 5.b, above)		RCONF240		RCONF684		RCONF692		RCONF241		RCONF242
		0		0		0		0		0	5.b.(1)
6. All other assets		RCONG391		RCONG392		RCONG395		RCONG396		RCONG804
		0		0		0		0		0	6.
7. Total assets measured at fair value on a recurring basis (sum of items 1 through 5.b plus item 6)		RCONG502		RCONG503		RCONG504		RCONG505		RCONG506
		307,442		0		0		307,362		80	7.

Schedule RCQ 56

Schedule RC-Q - Continued


Dollar Amounts in Thousands	(Column A) Total Fair Value Reported on Schedule RC		(Column B) LESS: Amounts Netted in the Determination of Total Fair Value		(Column C) Level 1 Fair Value Measurements		(Column D) Level 2 Fair Value Measurements		(Column E) Level 3 Fair Value Measurements
LIABILITIES
8. Deposits		RCONF252		RCONF686		RCONF694		RCONF253		RCONF254
		0		0		0		0		0	8.
9. Federal funds purchased and securities sold under agreements to repurchase		RCONG507		RCONG508		RCONG509		RCONG510		RCONG511
		0		0		0		0		0	9.
10. Trading liabilities:
a. Derivative liabilities		RCON3547		RCONG512		RCONG513		RCONG514		RCONG515
		0		0		0		0		0	10.a.
b. Other trading liabilities		RCONG516		RCONG517		RCONG518		RCONG519		RCONG520
		0		0		0		0		0	10.b.
11. Other borrow ed money		RCONG521		RCONG522		RCONG523		RCONG524		RCONG525
		0		0		0		0		0	11.
12. Subordinated notes and debentures		RCONG526		RCONG527		RCONG528		RCONG529		RCONG530
		0		0		0		0		0	12.
13. All other liabilities		RCONG805		RCONG806		RCONG807		RCONG808		RCONG809
		0		0		0		0		0	13.
14. Total liabilities measured at fair value on a recurring basis (sum of items 8 through 13)		RCONG531		RCONG532		RCONG533		RCONG534		RCONG535
		0		0		0		0		0	14.

Schedule RCQ 57

Schedule RC-Q - Continued

Dollar Amounts in Thousands

(Column A)
Total Fair Value
Reported on
Schedule RC

(Column B)
LESS: Amounts
Netted in the
Determination of
Total Fair Value

(Column C)
Level 1 Fair
Value
Measurements

(Column D)
Level 2 Fair
Value
Measurements

(Column E)
Level 3 Fair
Value
Measurements

Memoranda

1. All other assets (itemize and describe amounts included in Schedule RC-Q, item 6, that are greater than $25,000 and exceed 25% of item 6):

a. Mortgage servicing assets

RCONG536

RCONG537

RCONG538

RCONG539

RCONG540

M.1.a.

b. Nontrading derivative assets

RCONG541

RCONG542

RCONG543

RCONG544

RCONG545

M.1.b.

c. TEXTG546

RCONG546

RCONG547

RCONG548

RCONG549

RCONG550

M.1.c.

d. TEXTG551

RCONG551

RCONG552

RCONG553

RCONG554

RCONG555

M.1.d.

e. TEXTG556

RCONG556

RCONG557

RCONG558

RCONG559

RCONG560

M.1.e.

f. TEXTG561

RCONG561

RCONG562

RCONG563

RCONG564

RCONG565

M.1.f.

2. All other liabilities (itemize and describe amounts included in Schedule RC-Q, item 13, that are greater than $25,000 and exceed 25% of item 13):

a. Loan commitments (not accounted for as derivatives)

RCONF261

RCONF689

RCONF697

RCONF262

RCONF263

M.2.a.

b. Nontrading derivative liabilities

RCONG566

RCONG567

RCONG568

RCONG569

RCONG570

M.2.b.

c. TEXTG571

RCONG571

RCONG572

RCONG573

RCONG574

RCONG575

M.2.c.

d. TEXTG576

RCONG576

RCONG577

RCONG578

RCONG579

RCONG580

M.2.d.

e. TEXTG581

RCONG581

RCONG582

RCONG583

RCONG584

RCONG585

M.2.e.

f. TEXTG586

RCONG586

RCONG587

RCONG588

RCONG589

RCONG590

M.2.f.

Schedule RCR 58

Schedule RC-R - Regulatory Capital

Dollar Amounts in Thousands

Bil

Mil

Thou

Tier 1 capital

1. Total bank equity capital (from Schedule RC, item 27.a)

RCON3210

139,483

2. LESS: Net unrealized gains (losses) on available-for-sale securities (if gain, report as positive value; if loss, report as negative value) ⁽¹⁾

RCON8434

11,323

3. LESS: Net unrealized loss on available-for-sale EQUITY securities (report loss as positive value)

RCONA221

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

RCON4336

(9,594)

5. LESS: Nonqualifying perpetual preferred stock

RCONB588

6. Qualifying noncontrolling (minority) interests in consolidated subsidiaries

RCONB589

a. LESS: Disallowed goodwill and other disallowed intangible assets

RCONB590

814

7.a.

b. LESS: Cumulative change in fair value of all financial liabilities accounted for under a fair value option that is included in retained earnings and is attributable to changes in the bank’s own credit worthiness (if a net gain, report as positive value; if a net loss, report as negative value)

RCONF264

7.b.

8. Subtotal (sum of items 1 and 6, less items 2, 3, 4, 5, 7.a, and 7.b)

RCONC227

136,940

a. LESS: Disallowed servicing assets and purchased credit card relationships

RCONB591

163

9.a.

b. LESS: Disallowed deferred tax assets

RCON5610

3,116

9.b.

10. Other additions to (deductions from) Tier 1 capital

RCONB592

10.

11. Tier 1 capital (sum of items 8 and 10, less items 9.a and 9.b)

RCON8274

133,661

11.

Tier 2 capital

12. Qualifying subordinated debt and redeemable preferred stock

RCON5306

12.

13. Cumulative perpetual preferred stock includible in Tier 2 capital

RCONB593

13.

14. Allowance for loan and lease losses includible in Tier 2 capital

RCON5310

13,711

14.

15. Unrealized gains on available-for-sale equity securities includible in Tier 2 capital

RCON2221

15.

16. Other Tier 2 capital components

RCONB594

16.

17. Tier 2 capital (sum of items 12 through 16)

RCON5311

13,711

17.

18. Allowable Tier 2 capital (lesser of item 11 or 17)

RCON8275

13,711

18.

19. Tier 3 capital allocated for market risk

RCON1395

19.

20. Deductions for total risk-based capital

RCONB595

20.

21. Total risk-based capital (sum of items 11, 18, and 19, less item 20)

RCON3792

147,372

21.

Total assets for leverage ratio

22. Average total assets (from Schedule RC-K, item 9)

RCON3368

1,576,796

22.

23. LESS: Disallowed goodwill and other disallowed intangible assets (from item 7.a above)

RCONB590

814

23.

24. LESS: Disallowed servicing assets and purchased credit card relationships (from item 9.a above)

RCONB591

163

24.

25. LESS: Disallowed deferred tax assets (from item 9.b above)

RCON5610

3,116

25.

26. LESS: Other deductions from assets for leverage capital purposes

RCONB596

26.

27. Average total assets for leverage capital purposes (item 22 less items 23 through 26)

RCONA224

1,572,703

27.

Adjustments for financial subsidiaries

28.

a. Adjustment to Tier 1 capital reported in item 11

RCONC228

28.a.

b. Adjustment to total risk-based capital reported in item 21

RCONB503

28.b.

29. Adjustment to risk-weighted assets reported in item 62

RCONB504

29.

30. Adjustment to average total assets reported in item 27

RCONB505

30.

(1)	Report amount included in Schedule RC, item 26.b, “Accumulated other comprehensive income.”

Schedule RCR 59

Schedule RC-R - Continued

Capital ratios

(Column B is to be completed by all banks. Column A is to be completed by banks with financial subsidiaries.)

(Column A)
Percentage (Banks with
Financial Subsidiaries)

(Column B)
Percentage (All Banks)

31. Tier 1 leverage ratio ⁽²⁾

RCON7273

RCON7204

8.50

31.

32. Tier 1 risk-based capital ratio ⁽³⁾

RCON7274

RCON7206

12.53

32.

33. Total risk-based capital ratio ⁽⁴⁾

RCON7275

RCON7205

13.82

33.

(2)	The ratio for column B is item 11 divided by item 27. The ratio for column A is item 11 minus item 28.a divided by (item 27 minus item 30).

(3)	The ratio for column B is item 11 divided by item 62. The ratio for column A is item 11 minus item 28.a divided by (item 62 minus item 29).

(4)	The ratio for column B is item 21 divided by item 62. The ratio for column A is item 21 minus item 28.b divided by (item 62 minus item 29).

Schedule RCR 60

Schedule RC-R - Continued

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

Balance Sheet Asset Categories

Dollar Amounts in Thousands

(Column A)
Totals (from
Schedule RC)

(Column B)
Items Not
Subject to Risk-
Weighting

(Column C)
Allocation by
Risk Weight
Category 0%

(Column D)
Allocation by
Risk Weight
Category 20%

(Column E)
Allocation by
Risk Weight
Category 50%

(Column F)
Allocation by
Risk Weight
Category 100%

34. Cash and balances due from depository institutions (Column A equals the sum of Schedule RC items 1.a and 1.b)

RCON0010

166,965

RCONC869

RCONB600

145,614

RCONB601

21,351

RCONB602

34.

35. Held-to-maturity securities

RCON1754

9,422

RCONB603

RCONB604

RCONB605

7,313

RCONB606

2,109

RCONB607

35.

36. Available-for-sale securities

RCON1773

307,442

RCONB608

19,065

RCONB609

84,550

RCONB610

193,028

RCONB611

8,617

RCONB612

2,182

36.

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

RCONC225

RCONC063

RCONC064

RCONB520

37.

38. Loans and leases held for sale

RCON5369

397

RCONB617

RCONB618

RCONB619

RCONB620

397

RCONB621

38.

39. Loans and leases, net of unearned income

RCONB528

1,012,491

RCONB622

RCONB623

RCONB624

RCONB625

148,162

RCONB626

864,329

39.

40. LESS: Allowance for loan and lease losses

RCON3123

43,693

RCON3123

43,693

40.

41. Trading assets

RCON3545

RCONB627

RCONB628

RCONB629

RCONB630

RCONB631

41.

42. All other assets ⁽¹⁾

RCONB639

69,458

RCONB640

4,093

RCONB641

3,407

RCONB642

3,828

RCONB643

RCON5339

58,053

42.

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

RCON2170

1,522,482

RCONB644

(20,535

)

RCON5320

233,571

RCON5327

225,520

RCON5334

159,362

RCON5340

924,564

43.

(1)	Includes premises and fixed assets, other real estate owned, investments in unconsolidated subsidiaries and associated companies, direct and indirect investments in real estate ventures, intangible assets, and other assets.

Schedule RCR 61

Schedule RC-R - Continued

Derivatives and Off-Balance Sheet Items

Dollar Amounts in Thousands

(Column A)
Face Value or
Notional Amount

Credit
Conversion
Factor

(Column B)
Credit Equivalent
Amount (1)

(Column C)
Allocation by
Risk Weight
Category 0%

(Column D)
Allocation by
Risk Weight
Category 20%

(Column E)
Allocation by
Risk Weight
Category 50%

(Column F)
Allocation by
Risk Weight
Category 100%

44. Financial standby letters of credit

RCONB546

11,057

1.00 or 12.5

1.00

(2)

RCONB547

11,057

RCONB548

RCONB581

RCONB582

RCONB583

11,057

44.

45. Performance standby letters of credit

RCON3821

8,734

.50

RCONB650

4,367

RCONB651

RCONB652

RCONB653

RCONB654

4,367

45.

46. Commercial and similar letters of credit

RCON3411

.20

RCONB655

RCONB656

RCONB657

RCONB658

RCONB659

46.

47. Risk participations in bankers acceptances acquired by the reporting institution

RCON3429

1.00

RCONB660

RCONB661

RCONB662

RCONB663

47.

48. Securities lent

RCON3433

1.00

RCONB664

RCONB665

RCONB666

RCONB667

RCONB668

48.

49. Retained recourse on small business obligations sold with recourse

RCONA250

1.00

RCONB669

RCONB670

RCONB671

RCONB672

RCONB673

49.

50. Recourse and direct credit substitutes (other than financial standby letters of credit) subject to the low-level exposure rule and residual interests subject to a dollar-for-dollar capital requirement

RCONB541

12.5

12.50

(3)

RCONB542

RCONB543

50.

51. All other financial assets sold with recourse

RCONB675

1.00

RCONB676

RCONB677

RCONB678

RCONB679

RCONB680

51.

52. All other off-balance sheet liabilities

RCONB681

1.00

RCONB682

RCONB683

RCONB684

RCONB685

RCONB686

52.

53. Unused commitments:

a. With an original maturity exceeding one year

RCON3833

64,167

.50

RCONB687

32,084

RCONB688

RCONB689

RCONB690

RCONB691

32,084

53.a.

b. With an original maturity of one year or less to asset-backed commercial paper conduits

RCONG591

.10

RCONG592

RCONG593

RCONG594

RCONG595

RCONG596

53.b.

54. Derivative contracts

RCONA167

RCONB693

RCONB694

RCONB695

54.

(1)	Column A multiplied by credit conversion factor.

(2)	For financial standby letters of credit to which the low-level exposure rule applies, use a credit conversion factor of 12.5 or an institution-specific factor. For other financial standby letters of credit, use a credit conversion factor of 1.00. See instructions for further information.

(3)	Or institution-specific factor.

Schedule RCR 62

Schedule RC-R - Continued

Dollar Amounts in Thousands

(Column C)
Allocation by
Risk Weight
Category 0%

(Column D)
Allocation by
Risk Weight
Category 20%

(Column E)
Allocation by
Risk Weight
Category 50%

(Column F)
Allocation by
Risk Weight
Category 100%

Totals

55. Total assets, derivatives, and off-balance sheet items by risk weight category (for each column, sum of items 43 through 54)

RCONB696

233,571

RCONB697

225,520

RCONB698

159,362

RCONB699

972,072

55.

56. Risk weight factor

x 0

x 20

x 50

x 100

56.

57. Risk-weighted assets by risk weight category (for each column, item 55 multiplied by item 56)

RCONB700

RCONB701

45,104

RCONB702

79,681

RCONB703

972,072

57.

58. Market risk equivalent assets

RCON1651

58.

59. Risk-weighted assets before deductions for excess allowance for loan and lease losses and allocated transfer risk reserve (sum of item 57, columns C through F, and item 58)

RCONB704

1,096,857

59.

60. LESS: Excess allowance for loan and lease losses

RCONA222

30,400

60.

61. LESS: Allocated transfer risk reserve

RCON3128

61.

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

RCONA223

1,066,457

62.

Memoranda


Dollar Amounts in Thousands		Bil	Mil	Thou
1. Current credit exposure across all derivative contracts covered by the risk-based capital standards	RCON8764	0			M.1.

Dollar Amounts in Thousands

(Column A)
With a remaining maturity of
one year of less

(Column B)
With a remaining maturity of
over one year through
five years

(Column C)
With a remaining maturity of
over five years

2. Notional principal amounts of derivative contracts: ⁽¹⁾

a. Interest rate contracts

RCON3809

RCON8766

RCON8767

M.2.a.

b. Foreign exchange contracts

RCON3812

RCON8769

RCON8770

M.2.b.

c. Gold contracts

RCON8771

RCON8772

RCON8773

M.2.c.

d. Other precious metals contracts

RCON8774

RCON8775

RCON8776

M.2.d.

e. Other commodity contracts

RCON8777

RCON8778

RCON8779

M.2.e.

f. Equity derivative contracts

RCONA000

RCONA001

RCONA002

M.2.f.

g. Credit derivative contracts: Purchased credit protection that (a) is a covered position under the market risk rule or (b) is not a covered position under the market risk rule and is not recognized as a guarantee for risk-based capital purposes:

(1) Investment grade

RCONG597

RCONG598

RCONG599

M.2.g.(1)

(2) Subinvestment grade

RCONG600

RCONG601

RCONG602

M.2.g.(2)

(1)	Exclude foreign exchange contracts with an original maturity of 14 days or less and all futures contracts.

Schedule RCS 63

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

Bank Securitization Activities

Dollar Amounts in Thousands

(Column A)
1-4 Family
Residential
Loans

(Column B)
Home Equity
Lines

(Column C)
Credit Card
Receivables

(Column D)
Auto Loans

(Column E)
Other Consumer
Loans

(Column F)
Commercial and
Industrial Loans

(Column G)
All Other Loans,
All Leases and
All Other Assets

1. Outstanding principal balance of assets sold and securitized by the reporting bank with servicing retained or with recourse or other seller-provided credit enhancements

RCONB705

RCONB706

RCONB707

RCONB708

RCONB709

RCONB710

RCONB711

2. Maximum amount of credit exposure arising from recourse or other seller-provided credit enhancements provided to structures reported in item 1 in the form of:

a. Credit-enhancing interest-only strips (included in Schedules RC-B or RC-F or in Schedule RC, item 5)

RCONB712

RCONB713

RCONB714

RCONB715

RCONB716

RCONB717

RCONB718

2.a.

b. Subordinated securities and other residual interests

RCONC393

RCONC394

RCONC395

RCONC396

RCONC397

RCONC398

RCONC399

2.b.

c. Standby letters of credit and other enhancements

RCONC400

RCONC401

RCONC402

RCONC403

RCONC404

RCONC405

RCONC406

2.c.

3. Reporting bank’s unused commitments to provide liquidity to structures reported in item 1

RCONB726

RCONB727

RCONB728

RCONB729

RCONB730

RCONB731

RCONB732

4. Past due loan amounts included in item 1:

a. 30-89 days past due

RCONB733

RCONB734

RCONB735

RCONB736

RCONB737

RCONB738

RCONB739

4.a.

b. 90 days or more past due

RCONB740

RCONB741

RCONB742

RCONB743

RCONB744

RCONB745

RCONB746

4.b.

5. Charge-offs and recoveries on assets sold and securitized with servicing retained or with recourse or other seller-provided credit enhancements (calendar year-to-date):

a. Charge-offs

RIADB747

RIADB748

RIADB749

RIADB750

RIADB751

RIADB752

RIADB753

5.a.

b. Recoveries

RIADB754

RIADB755

RIADB756

RIADB757

RIADB758

RIADB759

RIADB760

5.b.

Schedule RCS 64

Schedule RC-S - Continued

Dollar Amounts in Thousands

(Column A)
1-4 Family
Residential
Loans

(Column B)
Home Equity
Lines

(Column C)
Credit Card
Receivables

(Column D)
Auto Loans

(Column E)
Other Consumer
Loans

(Column F)
Commercial and
Industrial Loans

(Column G)
All Other Loans,
All Leases and
All Other Assets

6. Amount of ownership (or seller’s) interests carried as:

a. Securities (included in Schedule RC-B or in Schedule RC, item 5)

RCONB761

RCONB762

RCONB763

6.a.

b. Loans (included in Schedule RC-C)

RCONB500

RCONB501

RCONB502

6.b.

7. Past due loan amounts included in interests reported in item 6.a:

a. 30-89 days past due

RCONB764

RCONB765

RCONB766

7.a.

b. 90 days or more past due

RCONB767

RCONB768

RCONB769

7.b.

8. Charge-offs and recoveries on loan amounts included in interests reported in item 6.a (calendar year-to-date):

a. Charge-offs

RIADB770

RIADB771

RIADB772

8.a.

b. Recoveries

RIADB773

RIADB774

RIADB775

8.b.

For Securitization Facilities Sponsored By or Otherwise Established By Other Institutions

9. Maximum amount of credit exposure arising from credit enhancements provided by the reporting bank to other institutions’ securitization structures in the form of standby letters of credit, purchased subordinated securities, and other enhancements

RCONB776

RCONB777

RCONB778

RCONB779

RCONB780

RCONB781

RCONB782

10. Reporting bank’s unused commitments to provide liquidity to other institutions’ securitization structures

RCONB783

RCONB784

RCONB785

RCONB786

RCONB787

RCONB788

RCONB789

10.

Bank Asset Sales

11. Assets sold with recourse or other seller-provided credit enhancements and not securitized by the reporting bank

RCONB790

RCONB791

RCONB792

RCONB793

RCONB794

RCONB795

RCONB796

11.

12. Maximum amount of credit exposure arising from recourse or other seller-provided credit enhancements provided to assets reported in item 11

RCONB797

RCONB798

RCONB799

RCONB800

RCONB801

RCONB802

RCONB803

12.

Schedule RCS 65

Schedule RC-S - Continued

Memoranda


Dollar Amounts in Thousands		Bil	Mil	Thou
1. Small business obligations transferred with recourse under Section 208 of the Riegle Community Development and Regulatory Improvement Act of 1994:
a. Outstanding principal balance	RCONA249	0			M.1.a.
b. Amount of retained recourse on these obligations as of the report date	RCONA250	0			M.1.b.
2. Outstanding principal balance of assets serviced for others (includes participations serviced for others):
a. Closed-end 1-4 family residential mortgages serviced with recourse or other servicer-provided credit enhancements	RCONB804	0			M.2.a.
b. Closed-end 1-4 family residential mortgages serviced with no recourse or other servicer-provided credit enhancements	RCONB805	122,493			M.2.b.
c. Other financial assets (includes home equity lines) ⁽¹⁾	RCONA591	0			M.2.c.
d. 1-4 family residential mortgages serviced for others that are in process of foreclosure at quarter-end (includes closed-end and open-end loans)	RCONF699	0			M.2.d.
3. Asset-backed commercial paper conduits:
a. Maximum amount of credit exposure arising from credit enhancements provided to conduit structures in the form of standby letters of credit, subordinated securities, and other enhancements:
(1) Conduits sponsored by the bank, a bank affiliate, or the bank’s holding company	RCONB806	0			M.3.a.(1)
(2) Conduits sponsored by other unrelated institutions	RCONB807	0			M.3.a.(2)
b. Unused commitments to provide liquidity to conduit structures:
(1) Conduits sponsored by the bank, a bank affiliate, or the bank’s holding company	RCONB808	0			M.3.b.(1)
(2) Conduits sponsored by other unrelated institutions	RCONB809	0			M.3.b.(2)
4. Outstanding credit card fees and finance charges included in Schedule RC-S, item 1, col C ⁽²⁾	RCONC407	N/A			M.4.

(1)	Memorandum item 2.c is to be completed if the principal balance of other financial assets serviced for others is more than $10 million.

(2)

Memorandum item 4 is to be completed by banks that (1) together with affiliated institutions, have outstanding credit card receivables (as defined in the instru that exceed $500 million as of the report date or (2) are credit card specialty banks as defined for Uniform Bank Performance Report purposes.

Schedule RCT 66

Schedule RC-T - Fiduciary and Related Services


		Yes/No
1. Does the institution have fiduciary powers? (If “NO,” do not complete Schedule RC-T.)	RCONA345	YES	1.
2. Does the institution exercise the fiduciary powers it has been granted?	RCONA346	YES	2.
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.)	RCONB867	YES	3.

If the answer to item 3 is “YES,” complete the applicable items of Schedule RC-T, as follows:

Institutions with total fiduciary assets (item 10, sum of columns A and B) greater than $250 million (as of the preceding December 31) or with gross fiduciary and related services income greater than 10% of revenue (net interest income plus noninterest income) for the preceding calendar year must complete:

•

Items 4 through Items 22 and Memorandum item 3 quarterly,

•

Items 23 through Items 26 annually with the December report, and

•

Memorandum 1, 2, and 4 annually with the December report.

Institutions with total fiduciary assets (item 10, sum of columns A and B) greater than $100 million but less than or equal to $250 million (as of the preceding December 31) that do not meet the fiduciary income test for quarterly reporting must complete:

•

Items 4 through Items 26 annually with the December report, and

•

Memorandum 1 through 4 annually with the December report.

Institutions with total fiduciary assets (item 10, sum of columns A and B) of $100 million or less (as of the preceding December 31) that do not meet the fiduciary income test for quarterly reporting must complete:

•

Items 4 through Items 13 annually with the December report, and

•

Memorandum items 1 through 3 annually with the December report.

FIDUCIARY AND RELATED ASSETS

Dollar Amounts in Thousands

(Column A)
Managed Assets

(Column B)
Non-Managed
Assets

(Column C)
Number of
Managed
Accounts

(Column D)
Number of Non-
Managed
Accounts

4. Personal trust and agency accounts

RCONB868

RCONB869

RCONB870

RCONB871

N/A

5. Employee benefit and retirement-related trust and agency accounts:

a. Employee benefit - defined contribution

RCONB872

RCONB873

RCONB874

RCONB875

N/A

5.a.

b. Employee benefit - defined benefit

RCONB876

RCONB877

RCONB878

RCONB879

N/A

5.b.

c. Other employee benefit and retirement-related accounts

RCONB880

RCONB881

RCONB882

RCONB883

N/A

5.c.

6. Corporate trust and agency accounts

RCONB884

RCONB885

RCONC001

RCONC002

N/A

7. Investment management and investment advisory agency accounts

RCONB886

N/A

RCONJ253

N/A

RCONB888

N/A

RCONJ254

N/A

8. Foundation and endowment trust and agency accounts

RCONJ255

RCONJ256

RCONJ257

RCONJ258

N/A

9. Other fiduciary accounts

RCONB890

RCONB891

RCONB892

RCONB893

N/A

10. Total fiduciary accounts (sum of items 4 through 9)

RCONB894

RCONB895

RCONB896

RCONB897

N/A

10.

11. Custody and safekeeping accounts

RCONB898

RCONB899

N/A

11.

12. Not applicable

13. Individual Retirement Accounts, Health Savings Accounts, and other similar accounts (included in items 5.c and 11)

RCONJ259

N/A

RCONJ260

N/A

RCONJ261

N/A

RCONJ262

N/A

13.

Schedule RCT 67

Schedule RC-T - Continued

FIDUCIARY AND RELATED SERVICES INCOME

Dollar Amounts in Thousands

Bil

Mil

Thou

14. Personal trust and agency accounts

RIADB904

N/A

14.

15. Employee benefit and retirement-related trust and agency accounts:

a. Employee benefit - defined contribution

RIADB905

N/A

15.a.

b. Employee benefit - defined benefit

RIADB906

N/A

15.b.

c. Other employee benefit and retirement-related accounts

RIADB907

N/A

15.c.

16. Corporate trust and agency accounts

RIADA479

N/A

16.

17. Investment management and investment advisory agency accounts

RIADJ315

N/A

17.

18. Foundation and endowment trust and agency accounts

RIADJ316

N/A

18.

19. Other fiduciary accounts

RIADA480

N/A

19.

20. Custody and safekeeping accounts

RIADB909

N/A

20.

21. Other fiduciary and related services income

RIADB910

N/A

21.

22. Total gross fiduciary and related services income (sum of items 14 through 21) (must equal Schedule RI, item 5.a)

RIAD4070

N/A

22.

23. Less: Expenses

RIADC058

N/A

23.

24. Less: Net losses from fiduciary and related services

RIADA488

N/A

24.

25. Plus: Intracompany income credits for fiduciary and related services

RIADB911

N/A

25.

26. Net fiduciary and related services income

RIADA491

N/A

26.

Memoranda

Dollar Amounts in Thousands

(Column A)
Personal Trust and Agency
and Investment Management
Agency Accounts

(Column B)
Employee Benefit and
Retirement-Related Trust and
Agency Accounts

(Column C)
All Other Accounts

1. Managed assets held in fiduciary accounts:

a. Noninterest-bearing deposits

RCONJ263

N/A

RCONJ264

N/A

RCONJ265

N/A

M.1.a.

b. Interest-bearing deposits

RCONJ266

N/A

RCONJ267

N/A

RCONJ268

N/A

M.1.b.

c. U.S. Treasury and U.S. Government agency obligations

RCONJ269

N/A

RCONJ270

N/A

RCONJ271

N/A

M.1.c.

d. State, county, and municipal obligations

RCONJ272

N/A

RCONJ273

N/A

RCONJ274

N/A

M.1.d.

e. Money market mutual funds

RCONJ275

N/A

RCONJ276

N/A

RCONJ277

N/A

M.1.e.

f. Equity mutual funds

RCONJ278

N/A

RCONJ279

N/A

RCONJ280

N/A

M.1.f.

g. Other mutual funds

RCONJ281

N/A

RCONJ282

N/A

RCONJ283

N/A

M.1.g.

h. Common trust funds and collective investment funds

RCONJ284

N/A

RCONJ285

N/A

RCONJ286

N/A

M.1.h.

i. Other short-term obligations

RCONJ287

N/A

RCONJ288

N/A

RCONJ289

N/A

M.1.i.

j. Other notes and bonds

RCONJ290

N/A

RCONJ291

N/A

RCONJ292

N/A

M.1.j.

k. Investments in unregistered funds and private equity investments

RCONJ293

N/A

RCONJ294

N/A

RCONJ295

N/A

M.1.k.

l. Other common and preferred stocks

RCONJ296

N/A

RCONJ297

N/A

RCONJ298

N/A

M.1.l.

m. Real estate mortgages

RCONJ299

N/A

RCONJ300

N/A

RCONJ301

N/A

M.1.m.

n. Real estate

RCONJ302

N/A

RCONJ303

N/A

RCONJ304

N/A

M.1.n.

o. Miscellaneous assets

RCONJ305

N/A

RCONJ306

N/A

RCONJ307

N/A

M.1.o.

p. Total managed assets held in fiduciary accounts (for each column, sum of Memorandum items 1.a through 1.o)

RCONJ308

N/A

RCONJ309

N/A

RCONJ310

N/A

M.1.p.

Schedule RCT 68

Schedule RC-T - Continued

Memoranda (continued)

Dollar Amounts in Thousands

(Column A)
Managed Assets

(Column B)
Number of Managed Accounts

1.q. Investments of managed fiduciary accounts in advised or sponsored mutual funds

RCONJ311

N/A

RCONJ312

N/A

M.1.q.

Dollar Amounts in Thousands

(Column A)
Number of Issues

(Column B)
Principal Amount Outstanding

2. Corporate trust and agency accounts:

a. Corporate and municipal trusteeships

RCONB927

N/A

RCONB928

N/A

M.2.a.

(1) Issues reported in Memorandum item 2.a that are in default

RCONJ313

N/A

RCONJ314

N/A

M.2.a.

(1)

b. Transfer agent, registrar, paying agent, and other corporate agency

RCONB929

N/A

M.2.b.

Dollar Amounts in Thousands

(Column A)
Number of Funds

(Column B)
Market Value of Fund Assets

3. Collective investment funds and common trust funds:

a. Domestic equity

RCONB931

N/A

RCONB932

N/A

M.3.a.

b. International/Global equity

RCONB933

N/A

RCONB934

N/A

M.3.b.

c. Stock/Bond blend

RCONB935

N/A

RCONB936

N/A

M.3.c.

d. Taxable bond

RCONB937

N/A

RCONB938

N/A

M.3.d.

e. Municipal bond

RCONB939

N/A

RCONB940

N/A

M.3.e.

f. Short term investments/Money market

RCONB941

N/A

RCONB942

N/A

M.3.f.

g. Specialty/Other

RCONB943

N/A

RCONB944

N/A

M.3.g.

h. Total collective investment funds (sum of Memorandum items 3.a through 3.g)

RCONB945

N/A

RCONB946

N/A

M.3.h.

Dollar Amounts in Thousands

(Column A)
Gross Losses Managed
Accounts

(Column B)
Gross Losses Non-Managed
Accounts

(Column C)
Recoveries

4. Fiduciary settlements, surcharges, and other losses:

a. Personal trust and agency accounts

RIADB947

N/A

RIADB948

N/A

RIADB949

N/A

M.4.a.

b. Employee benefit and retirement-related trust and agency accounts

RIADB950

N/A

RIADB951

N/A

RIADB952

N/A

M.4.b.

c. Investment management and investment advisory agency accounts

RIADB953

N/A

RIADB954

N/A

RIADB955

N/A

M.4.c.

d. Other fiduciary accounts and related services

RIADB956

N/A

RIADB957

N/A

RIADB958

N/A

M.4.d.

e. Total fiduciary settlements, surcharges, and other losses (sum of Memorandum items 4.a through 4.d) (sum of columns A and B minus column C must equal Schedule RC-T, item 24)

RIADB959

N/A

RIADB960

N/A

RIADB961

N/A

M.4.e.

Schedule RCT 69

Schedule RC-T - Continued

Memoranda (continued)

Person to whom questions about Schedule RC-T - Fiduciary and Related Services should be directed:

N/A

Name and Title (TEXT B962)

N/A

E-mail Address (TEXT B926)

N/A

Telephone: Area code/phone number/extension (TEXT B963)

N/A

FAX: Area code/phone number (TEXT B964)

Schedule RCV 70

Schedule RC-V - Variable Interest Entities

Dollar Amounts in Thousands

(Column A)
Securitization Vehicles

(Column B)
ABCP Conduits

(Column C)
Other VIEs

1. Assets of consolidated variable interest entities (VIEs) that can be used only to settle obligations of the consolidated VIEs:

a. Cash and balances due from depository institutions

RCONJ981

RCONJ982

RCONJ983

1.a.

b. Held-to-maturity securities

RCONJ984

RCONJ985

RCONJ986

1.b.

c. Available-for-sale securities

RCONJ987

RCONJ988

RCONJ989

1.c.

d. Securities purchased under agreements to resell

RCONJ990

RCONJ991

RCONJ992

1.d.

e. Loans and leases held for sale

RCONJ993

RCONJ994

RCONJ995

1.e.

f. Loans and leases, net of unearned income

RCONJ996

RCONJ997

RCONJ998

1.f.

g. Less: Allowance for loan and lease losses

RCONJ999

RCONK001

RCONK002

1.g.

h. Trading assets (other than derivatives)

RCONK003

RCONK004

RCONK005

1.h.

i. Derivative trading assets

RCONK006

RCONK007

RCONK008

1.i.

j. Other real estate owned

RCONK009

RCONK010

RCONK011

1.j.

k. Other assets

RCONK012

RCONK013

RCONK014

1.k.

2. Liabilities of consolidated VIEs for which creditors do not have recourse to the general credit of the reporting bank

a. Securities sold under agreements to repurchase

RCONK015

RCONK016

RCONK017

2.a.

b. Derivative trading liabilities

RCONK018

RCONK019

RCONK020

2.b.

c. Commercial paper

RCONK021

RCONK022

RCONK023

2.c.

d. Other borrowed money (exclude commercial paper)

RCONK024

RCONK025

RCONK026

2.d.

e. Other liabilities

RCONK027

RCONK028

RCONK029

2.e.

3. All other assets of consolidated VIEs (not included in items 1.a through 1.k above)

RCONK030

RCONK031

RCONK032

4. All other liabilities of consolidated VIEs (not included in items 2.a through 2.e above)

RCONK033

RCONK034

RCONK035

Schedule NARR 71

Optional Narrative Statement Concerning the Amounts

Reported in the Reports of Condition and Income

The management of the reporting bank may, if it wishes, submit a brief narrative statement on the amounts reported in the Reports of Condition and Income. This optional statement will be made available to the public, along with the publicly available data in the Reports of Condition and Income, in response to any request for individual bank report data. However, the information reported in Schedule RI-E, item 2.g, Schedule RC-F, item 6.f, and Schedule RC-O, Memorandum items 6 through 9, 14, and 15, is regarded as confidential and will not be released to the public. BANKS CHOOSING TO SUBMIT THE NARRATIVE STATEMENT SHOULD ENSURE THAT THE STATEMENT DOES NOT CONTAIN THE NAMES OR OTHER IDENTIFICATIONS OF INDIVIDUAL BANK CUSTOMERS, REFERENCES TO THE AMOUNTS REPORTED IN THE CONFIDENTIAL ITEMS IDENTIFIED ABOVE, OR ANY OTHER INFORMATION THAT THEY ARE NOT WILLING TO HAVE MADE PUBLIC OR THAT WOULD COMPROMISE THE PRIVACY OF THEIR CUSTOMERS. Banks choosing not to make a statement may check the “No comment” box below and should make no entries of any kind in the space provided for the narrative statement; i.e., DO NOT enter in this space such phrases as “No statement,” “Not applicable,” “N/A,” “No comment,” and “None.”

The optional statement must be entered on this sheet. The statement should not exceed 100 words. Further, regardless of the number of words, the statement must not exceed 750 characters, including punctuation, indentation, and standard spacing between words and sentences. If any submission should exceed 750 characters, as defined, it will be truncated at 750 characters with no notice to the submitting bank and the truncated statement will appear as the bank’s statement both on agency computerized records and in computer-file releases to the public.

All information furnished by the bank in the narrative statement must be accurate and not misleading. Appropriate efforts shall be taken by the submitting bank to ensure the statement’s accuracy.

If, subsequent to the original submission, material changes are submitted for the data reported in the Reports of Condition and Income, the existing narrative statement will be deleted from the files, and from disclosure; the bank, at its option, may replace it with a statement appropriate to the amended data.

The optional narrative statement will appear in agency records and in release to the public exactly as submitted (or amended as described in the preceding paragraph) by the management of the bank (except for the truncation of statements exceeding the 750-character limit described above). THE STATEMENT WILL NOT BE EDITED OR SCREENED IN ANY WAY BY THE SUPERVISORY AGENCIES FOR ACCURACY OR RELEVANCE. DISCLOSURE OF THE STATEMENT SHALL NOT SIGNIFY THAT ANY FEDERAL SUPERVISORY AGENCY HAS VERIFIED OR CONFIRMED THE ACCURACY OF THE INFORMATION CONTAINED THEREIN. A STATEMENT TO THIS EFFECT WILL APPEAR ON ANY PUBLIC RELEASE OF THE OPTIONAL STATEMENT SUBMITTED BY THE MANAGEMENT OF THE REPORTING BANK.

Comments? NO

(RCON 6979)

BANK MANAGEMENT STATEMENT (Please type or print clearly):

(TEXT 6980)

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