CAPITALSOURCE INC - FORM 8-K - EX-99.1 - EXHIBIT 99.1

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8-K - FORM 8-K - CAPITALSOURCE INC	d295310d8k.htm

Exhibit 99.1

Board of Governors of the Federal Reserve System

Federal Deposit Insurance Corporation

Office of the Comptroller of the Currency

Federal Financial Institutions Examination Council


		1

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


Institution Name		CAPITALSOURCE BANK
City		LOS ANGELES
State		CA
Zip Code		90071
Call Report Quarter End Date		12/31/2011
Report Type		041
RSSD-ID		3806100
FDIC Certificate Number		58878
OCC Charter Number		0
ABA Routing Number		322286447
Last updated on		1/30/2012

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

Legend: NR - Not Reported, CONF - Confidential


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		2

Bank Demographic Information


Dollar amounts in thousands
1. Reporting date	RCON9999	20111231	1.
2. FDIC certificate number	RSSD9050	58878	2.
3. Legal title of bank	RSSD9017	Click here for value	3.
4. City	RSSD9130	Los Angeles	4.
5. State abbreviation	RSSD9200	CA	5.
6. Zip code	RSSD9220	90071	6.

(RSSD9017) CapitalSource Bank

Contact Information


Dollar amounts in thousands
1. Contact Information for the Reports of Condition and Income			1.
a. Chief Financial Officer (or Equivalent) Signing the Reports			1.a.
1. Name	TEXTC490	CONF	1.a.1.
2. Title	TEXTC491	CONF	1.a.2.
3. E-mail Address	TEXTC492	CONF	1.a.3.
4. Telephone	TEXTC493	CONF	1.a.4.
5. FAX	TEXTC494	CONF	1.a.5.
b. Other Person to Whom Questions about the Reports Should be Directed			1.b.
1. Name	TEXTC495	CONF	1.b.1.
2. Title	TEXTC496	CONF	1.b.2.
3. E-mail Address	TEXT4086	CONF	1.b.3.
4. Telephone	TEXT8902	CONF	1.b.4.
5. FAX	TEXT9116	CONF	1.b.5.
2. Person to whom questions about Schedule RC-T - Fiduciary and Related Services should be directed			2.
a. Name and Title	TEXTB962	CONF	2.a.
b. E-mail Address	TEXTB926	CONF	2.b.
c. Telephone	TEXTB963	CONF	2.c.
d. FAX	TEXTB964	CONF	2.d.
3. Emergency Contact Information			3.
a. Primary Contact			3.a.
1. Name	TEXTC366	CONF	3.a.1.
2. Title	TEXTC367	CONF	3.a.2.
3. E-mail Address	TEXTC368	CONF	3.a.3.
4. Telephone	TEXTC369	CONF	3.a.4.
5. FAX	TEXTC370	CONF	3.a.5.
b. Secondary Contact			3.b.
1. Name	TEXTC371	CONF	3.b.1.
2. Title	TEXTC372	CONF	3.b.2.
3. E-mail Address	TEXTC373	CONF	3.b.3.
4. Telephone	TEXTC374	CONF	3.b.4.
5. FAX	TEXTC375	CONF	3.b.5.
4. USA PATRIOT Act Section 314(a) Anti-Money Laundering Contact Information			4.
a. Primary Contact			4.a.
1. Name	TEXTC437	CONF	4.a.1.
2. Title	TEXTC438	CONF	4.a.2.
3. E-mail Address	TEXTC439	CONF	4.a.3.
4. Telephone	TEXTC440	CONF	4.a.4.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		3


Dollar amounts in thousands
b. Secondary Contact			4.b.
1. Name	TEXTC442	CONF	4.b.1.
2. Title	TEXTC443	CONF	4.b.2.
3. E-mail Address	TEXTC444	CONF	4.b.3.
4. Telephone	TEXTC445	CONF	4.b.4.
c. Third Contact			4.c.
1. Name	TEXTC870	CONF	4.c.1.
2. Title	TEXTC871	CONF	4.c.2.
3. E-mail Address	TEXTC872	CONF	4.c.3.
4. Telephone	TEXTC873	CONF	4.c.4.
d. Fourth Contact			4.d.
1. Name	TEXTC875	CONF	4.d.1.
2. Title	TEXTC876	CONF	4.d.2.
3. E-mail Address	TEXTC877	CONF	4.d.3.
4. Telephone	TEXTC878	CONF	4.d.4.

Optional Narrative Statement Concerning the Amounts Reported in the Reports of Condition and Income


Dollar amounts in thousands
1. Comments?	RCON6979	No	1.
2. Bank Management Statement	TEXT6980		2.

Schedule RI - Income Statement


Dollar amounts in thousands
1. Interest income:			1.
a. Interest and fee income on loans:			1.a.
1. Loans secured by real estate:			1.a.1.
a. Loans secured by 1-4 family residential properties	RIAD4435	0	1.a.1.a.
b. All other loans secured by real estate	RIAD4436	144,527	1.a.1.b.
2. Commercial and industrial loans	RIAD4012	142,063	1.a.2.
3. Loans to individuals for household, family, and other personal expenditures:			1.a.3.
a. Credit cards	RIADB485	0	1.a.3.a.
b. Other (includes single payment, installment, all student loans, and revolving credit plans other than credit cards)	RIADB486	0	1.a.3.b.
4. Loans to foreign governments and official institutions	RIAD4056	0	1.a.4.
5. All other loans	RIAD4058	33,485	1.a.5.
6. Total interest and fee income on loans (sum of items 1.a.(1)(a) through 1.a.(5))	RIAD4010	320,075	1.a.6.
b. Income from lease financing receivables	RIAD4065	11,027	1.b.
c. Interest income on balances due from depository institutions	RIAD4115	319	1.c.
d. Interest and dividend income on securities:			1.d.
1. U.S. Treasury securities and U.S. Government agency obligations (excluding mortgage-backed securities)	RIADB488	4,410	1.d.1.
2. Mortgage-backed securities	RIADB489	41,866	1.d.2.
3. All other securities (includes securities issued by states and political subdivisions in the U.S.)	RIAD4060	2,822	1.d.3.
e. Interest income from trading assets	RIAD4069	0	1.e.
f. Interest income on federal funds sold and securities purchased under agreements to resell	RIAD4020	0	1.f.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		4


Dollar amounts in thousands
g. Other interest income	RIAD4518	835	1.g.
h. Total interest income (sum of items 1.a.(6) through 1.g)	RIAD4107	381,354	1.h.
2. Interest expense:			2.
a. Interest on deposits:			2.a.
1. Transaction accounts (interest-bearing demand deposits, NOW accounts, ATS accounts, and telephone and preauthorized transfer accounts)	RIAD4508	0	2.a.1.
2. Nontransaction accounts:			2.a.2.
a. Savings deposits (includes MMDAs)	RIAD0093	8,289	2.a.2.a.
b. Time deposits of $100,000 or more	RIADA517	20,596	2.a.2.b.
c. Time deposits of less than $100,000	RIADA518	24,723	2.a.2.c.
b. Expense of federal funds purchased and securities sold under agreements to repurchase	RIAD4180	0	2.b.
c. Interest on trading liabilities and other borrowed money	RIAD4185	9,193	2.c.
d. Interest on subordinated notes and debentures	RIAD4200	0	2.d.
e. Total interest expense (sum of items 2.a through 2.d)	RIAD4073	62,801	2.e.
3. Net interest income (item 1.h minus 2.e)	RIAD4074	318,553	3.
4. Provision for loan and lease losses	RIAD4230	27,539	4.
5. Noninterest income:			5.
a. Income from fiduciary activities	RIAD4070	0	5.a.
b. Service charges on deposit accounts	RIAD4080	203	5.b.
c. Trading revenue	RIADA220	0	5.c.
d. Not available			5.d.
1. Fees and commissions from securities brokerage	RIADC886	0	5.d.1.
2. Investment banking, advisory, and underwriting fees and commissions	RIADC888	0	5.d.2.
3. Fees and commissions from annuity sales	RIADC887	0	5.d.3.
4. Underwriting income from insurance and reinsurance activities	RIADC386	0	5.d.4.
5. Income from other insurance activities	RIADC387	0	5.d.5.
e. Venture capital revenue	RIADB491	0	5.e.
f. Net servicing fees	RIADB492	12,593	5.f.
g. Net securitization income	RIADB493	0	5.g.
h. Not applicable			5.h.
i. Net gains (losses) on sales of loans and leases	RIAD5416	5,799	5.i.
j. Net gains (losses) on sales of other real estate owned	RIAD5415	-10,221	5.j.
k. Net gains (losses) on sales of other assets (excluding securities)	RIADB496	-128	5.k.
l. Other noninterest income	RIADB497	9,152	5.l.
m. Total noninterest income (sum of items 5.a through 5.l)	RIAD4079	17,398	5.m.
6. Not available			6.
a. Realized gains (losses) on held-to-maturity securities	RIAD3521	0	6.a.
b. Realized gains (losses) on available-for-sale securities	RIAD3196	4,713	6.b.
7. Noninterest expense:			7.
a. Salaries and employee benefits	RIAD4135	50,040	7.a.
b. Expenses of premises and fixed assets (net of rental income) (excluding salaries and employee benefits and mortgage interest)	RIAD4217	12,364	7.b.
c. Not available			7.c.
1. Goodwill impairment losses	RIADC216	0	7.c.1.
2. Amortization expense and impairment losses for other intangible assets	RIADC232	20	7.c.2.
d. Other noninterest expense	RIAD4092	80,092	7.d.
e. Total noninterest expense (sum of items 7.a through 7.d)	RIAD4093	142,516	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)	RIAD4301	170,609	8.
9. Applicable income taxes (on item 8)	RIAD4302	57,995	9.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		5


Dollar amounts in thousands
10. Income (loss) before extraordinary items and other adjustments (item 8 minus item 9)	RIAD4300	112,614	10.
11. Extraordinary items and other adjustments, net of income taxes	RIAD4320	0	11.
12. Net income (loss) attributable to bank and noncontrolling (minority) interests (sum of items 10 and 11)	RIADG104	112,614	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)	RIADG103	0	13.
14. Net income (loss) attributable to bank (item 12 minus item 13)	RIAD4340	112,614	14.
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	RIAD4513	0	M.1.
2. Income from the sale and servicing of mutual funds and annuities (included in Schedule RI, item 8)	RIAD8431	0	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)	RIAD4313	0	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))	RIAD4507	0	M.4.
5. Number of full-time equivalent employees at end of current period (round to nearest whole number)	RIAD4150	331	M.5.
6. Interest and fee income on loans to finance agricultural production and other loans to farmers (included in Schedule RI, item 1.a.(5))	RIAD4024	0	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	RIAD9106	0	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):			M.8.
a. Interest rate exposures	RIAD8757	NR	M.8.a.
b. Foreign exchange exposures	RIAD8758	NR	M.8.b.
c. Equity security and index exposures	RIAD8759	NR	M.8.c.
d. Commodity and other exposures	RIAD8760	NR	M.8.d.
e. Credit exposures	RIADF186	NR	M.8.e.
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)	RIADK090	NR	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)	RIADK094	NR	M.8.g.
9. Net gains (losses) recognized in earnings on credit derivatives that economically hedge credit exposures held outside the trading account:			M.9.
a. Net gains (losses) on credit derivatives held for trading	RIADC889	0	M.9.a.
b. Net gains (losses) on credit derivatives held for purposes other than trading	RIADC890	0	M.9.b.
10. Credit losses on derivatives (see instructions)	RIADA251	0	M.10.
11. Does the reporting bank have a Subchapter S election in effect for federal income tax purposes for the current tax year?	RIADA530	No	M.11.
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))	RIADF228	NR	M.12.
13. Net gains (losses) recognized in earnings on assets and liabilities that are reported at fair value under a fair value option:			M.13.
a. Net gains (losses) on assets	RIADF551	NR	M.13.a.
1. Estimated net gains (losses) on loans attributable to changes in instrument-specific credit risk	RIADF552	NR	M.13.a.1.
b. Net gains (losses) on liabilities	RIADF553	NR	M.13.b.
1. Estimated net gains (losses) on liabilities attributable to changes in instrument-specific credit risk	RIADF554	NR	M.13.b.1.
14. Other-than-temporary impairment losses on held-to-maturity and available-for-sale debt securities:			M.14.
a. Total other-than-temporary impairment losses	RIADJ319	0	M.14.a.
b. Portion of losses recognized in other comprehensive income (before income taxes)	RIADJ320	0	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)	RIADJ321	0	M.14.c.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		6

Schedule RI-A - Changes in Bank Equity Capital


Dollar amounts in thousands
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)	RIAD3217	924,643	1.
2. Cumulative effect of changes in accounting principles and corrections of material accounting errors	RIADB507	0	2.
3. Balance end of previous calendar year as restated (sum of items 1 and 2)	RIADB508	924,643	3.
4. Net income (loss) attributable to bank (must equal Schedule RI, item 14)	RIAD4340	112,614	4.
5. Sale, conversion, acquisition, or retirement of capital stock, net (excluding treasury stock transactions)	RIADB509	3,441	5.
6. Treasury stock transactions, net	RIADB510	0	6.
7. Changes incident to business combinations, net	RIAD4356	0	7.
8. LESS: Cash dividends declared on preferred stock	RIAD4470	0	8.
9. LESS: Cash dividends declared on common stock	RIAD4460	0	9.
10. Other comprehensive income	RIADB511	9,605	10.
11. Other transactions with parent holding company (not included in items 5, 6, 8, or 9 above)	RIAD4415	0	11.
12. Total bank equity capital end of current period (sum of items 3 through 11) (must equal Schedule RC, item 27.a)	RIAD3210	1,050,303	12.

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

Dollar amounts in thousands

(Column A) Charge-offs
Calendar year-to-date

(Column B) Recoveries
Calendar year-to-date

1. Loans secured by real estate:

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

1.a.

1. 1-4 family residential construction loans

RIADC891

RIADC892

1.a.1.

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

RIADC893

11,530

RIADC894

1,018

1.a.2.

b. Secured by farmland

RIAD3584

RIAD3585

1.b.

c. Secured by 1-4 family residential properties:

1.c.

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

RIAD5411

RIAD5412

1.c.1.

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

1.c.2.

a. Secured by first liens

RIADC234

RIADC217

1.c.2.a.

b. Secured by junior liens

RIADC235

RIADC218

1.c.2.b.

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

RIAD3588

1,086

RIAD3589

301

1.d.

e. Secured by nonfarm nonresidential properties:

1.e.

1. Loans secured by owner-occupied nonfarm nonresidential properties

RIADC895

2,902

RIADC896

1.e.1.

2. Loans secured by other nonfarm nonresidential properties

RIADC897

41,617

RIADC898

11,369

1.e.2.

2. Loans to depository institutions and acceptances of other banks

RIAD4481

RIAD4482

3. Not applicable

4. Commercial and industrial loans

RIAD4638

13,875

RIAD4608

166

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

a. Credit cards

RIADB514

RIADB515

5.a.

b. Automobile loans

RIADK129

RIADK133

5.b.

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

RIADK205

RIADK206

5.c.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		7

Dollar amounts in thousands

(Column A) Charge-offs
Calendar year-to-date

(Column B) Recoveries
Calendar year-to-date

6. Loans to foreign governments and official institutions

RIAD4643

RIAD4627

7. All other loans

RIAD4644

RIAD4628

439

8. Lease financing receivables

RIAD4266

RIAD4267

9. Total (sum of items 1 through 8)

RIAD4635

71,060

RIAD4605

13,293

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

RIAD5409

RIAD5410

M.1.

2. Not available

M.2.

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

RIAD4652

RIAD4662

M.2.a.

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

RIAD4654

RIAD4664

M.2.b.

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

RIAD4646

RIAD4618

M.2.c.

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

RIADF185

RIADF187

M.2.d.

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

RIAD4655

RIAD4665

M.3.

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


Dollar amounts in thousands
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)	RIADC388	NR	M.4.

Schedule RI-B Part II - Changes in Allowance for Loan and Lease Losses


Dollar amounts in thousands
1. Balance most recently reported for the December 31, 2010, Reports of Condition and Income (i.e., after adjustments from amended Reports of Income)	RIADB522	124,878	1.
2. Recoveries (must equal part I, item 9, column B, above)	RIAD4605	13,293	2.
3. LESS: Charge-offs (must equal part I, item 9, column A, above less Schedule RI-B, part II, item 4)	RIADC079	50,726	3.
4. LESS: Write-downs arising from transfers of loans to a held-for-sale account	RIAD5523	20,334	4.
5. Provision for loan and lease losses (must equal Schedule RI, item 4)	RIAD4230	27,539	5.
6. Adjustments (see instructions for this schedule)	RIADC233	0	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)	RIAD3123	94,650	7.
1. Allocated transfer risk reserve included in Schedule RI-B, part II, item 7, above	RIADC435	0	M.1.
2. Separate valuation allowance for uncollectible retail credit card fees and finance charges	RIADC389	NR	M.2.
3. Amount of allowance for loan and lease losses attributable to retail credit card fees and finance charges	RIADC390	NR	M.3.
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)	RIADC781	0	M.4.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		8

Schedule RI-E - Explanations


Dollar amounts in thousands
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:			1.
a. Income and fees from the printing and sale of checks	RIADC013	0	1.a.
b. Earnings on/increase in value of cash surrender value of life insurance	RIADC014	0	1.b.
c. Income and fees from automated teller machines (ATMs)	RIADC016	0	1.c.
d. Rent and other income from other real estate owned	RIAD4042	6,354	1.d.
e. Safe deposit box rent	RIADC015	0	1.e.
f. Net change in the fair values of financial instruments accounted for under a fair value option	RIADF229	0	1.f.
g. Bank card and credit card interchange fees	RIADF555	0	1.g.
h. Gains on bargain purchases	RIADJ447	0	1.h.
i. Disclose component and the dollar amount of that component:			1.i.
1. Describe component	TEXT4461	Click here for value	1.i.1.
2. Amount of component	RIAD4461	-511	1.i.2.
j. Disclose component and the dollar amount of that component:			1.j.
1. Describe component	TEXT4462	Click here for value	1.j.1.
2. Amount of component	RIAD4462	-4,502	1.j.2.
k. Disclose component and the dollar amount of that component:			1.k.
1. Describe component	TEXT4463	Services provided to parent	1.k.1.
2. Amount of component	RIAD4463	6,340	1.k.2.
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:			2.
a. Data processing expenses	RIADC017	0	2.a.
b. Advertising and marketing expenses	RIAD0497	0	2.b.
c. Directors’ fees	RIAD4136	0	2.c.
d. Printing, stationery, and supplies	RIADC018	0	2.d.
e. Postage	RIAD8403	0	2.e.
f. Legal fees and expenses	RIAD4141	0	2.f.
g. FDIC deposit insurance assessments	RIAD4146	CONF	2.g.
h. Accounting and auditing expenses	RIADF556	0	2.h.
i. Consulting and advisory expenses	RIADF557	0	2.i.
j. Automated teller machine (ATM) and interchange expenses	RIADF558	0	2.j.
k. Telecommunications expenses	RIADF559	0	2.k.
l. Disclose component and the dollar amount of that component:			2.l.
1. Describe component	TEXT4464	Click here for value	2.l.1.
2. Amount of component	RIAD4464	45,078	2.l.2.
m. Disclose component and the dollar amount of that component:			2.m.
1. Describe component	TEXT4467	Real estate owned expenses	2.m.1.
2. Amount of component	RIAD4467	8,889	2.m.2.
n. Disclose component and the dollar amount of that component:			2.n.
1. Describe component	TEXT4468	Loan servicing expense	2.n.1.
2. Amount of component	RIAD4468	8,453	2.n.2.
3. Extraordinary items and other adjustments and applicable income tax effect (from Schedule RI, item 11):			3.
a. Disclose component, the gross dollar amount of that component, and its related income tax:			3.a.
1. Describe component	TEXT4469		3.a.1.
2. Amount of component	RIAD4469	0	3.a.2.
3. Applicable income tax effect	RIAD4486	0	3.a.3.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		9


Dollar amounts in thousands
b. Disclose component, the gross dollar amount of that component, and its related income tax:			3.b.
1. Describe component	TEXT4487		3.b.1.
2. Amount of component	RIAD4487	0	3.b.2.
3. Applicable income tax effect	RIAD4488	0	3.b.3.
c. Disclose component, the gross dollar amount of that component, and its related income tax:			3.c.
1. Describe component	TEXT4489		3.c.1.
2. Amount of component	RIAD4489	0	3.c.2.
3. Applicable income tax effect	RIAD4491	0	3.c.3.
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):			4.
a. Disclose component and the dollar amount of that component:			4.a.
1. Describe component	TEXTB526		4.a.1.
2. Amount of component	RIADB526	0	4.a.2.
b. Disclose component and the dollar amount of that component:			4.b.
1. Describe component	TEXTB527		4.b.1.
2. Amount of component	RIADB527	0	4.b.2.
5. Other transactions with parent holding company (from Schedule RI-A, item 11) (itemize and describe all such transactions):			5.
a. Disclose component and the dollar amount of that component:			5.a.
1. Describe component	TEXT4498		5.a.1.
2. Amount of component	RIAD4498	0	5.a.2.
b. Disclose component and the dollar amount of that component:			5.b.
1. Describe component	TEXT4499		5.b.1.
2. Amount of component	RIAD4499	0	5.b.2.
6. Adjustments to allowance for loan and lease losses (from Schedule RI-B, part II, item 6) (itemize and describe all adjustments):			6.
a. Disclose component and the dollar amount of that component:			6.a.
1. Describe component	TEXT4521		6.a.1.
2. Amount of component	RIAD4521	0	6.a.2.
b. Disclose component and the dollar amount of that component:			6.b.
1. Describe component	TEXT4522		6.b.1.
2. Amount of component	RIAD4522	0	6.b.2.
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):			7.
a. Comments?	RIAD4769	No	7.a.
b. Other explanations	TEXT4769		7.b.

(TEXT4461) Loss on foreign currency exchange

(TEXT4462) Loss on sale of unfunded commitments

(TEXT4464) Intercompany loan referral fees


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		10

Schedule RC - Balance Sheet


Dollar amounts in thousands
1. Cash and balances due from depository institutions (from Schedule RC-A):			1.
a. Noninterest-bearing balances and currency and coin	RCON0081	98,256	1.a.
b. Interest-bearing balances	RCON0071	179,203	1.b.
2. Securities:			2.
a. Held-to-maturity securities (from Schedule RC-B, column A)	RCON1754	151,686	2.a.
b. Available-for-sale securities (from Schedule RC-B, column D)	RCON1773	1,159,136	2.b.
3. Federal funds sold and securities purchased under agreements to resell:			3.
a. Federal funds sold	RCONB987	0	3.a.
b. Securities purchased under agreements to resell	RCONB989	0	3.b.
4. Loans and lease financing receivables (from Schedule RC-C):			4.
a. Loans and leases held for sale	RCON5369	129,946	4.a.
b. Loans and leases, net of unearned income	RCONB528	4,734,470	4.b.
c. LESS: Allowance for loan and lease losses	RCON3123	94,650	4.c.
d. Loans and leases, net of unearned income and allowance (item 4.b minus 4.c)	RCONB529	4,639,820	4.d.
5. Trading assets (from Schedule RC-D)	RCON3545	0	5.
6. Premises and fixed assets (including capitalized leases)	RCON2145	93,145	6.
7. Other real estate owned (from Schedule RC-M)	RCON2150	5,901	7.
8. Investments in unconsolidated subsidiaries and associated companies	RCON2130	23,774	8.
9. Direct and indirect investments in real estate ventures	RCON3656	0	9.
10. Intangible assets:			10.
a. Goodwill	RCON3163	173,135	10.a.
b. Other intangible assets (from Schedule RC-M)	RCON0426	0	10.b.
11. Other assets (from Schedule RC-F)	RCON2160	129,596	11.
12. Total assets (sum of items 1 through 11)	RCON2170	6,783,598	12.
13. Deposits:			13.
a. In domestic offices (sum of totals of columns A and C from Schedule RC-E)	RCON2200	5,124,995	13.a.
1. Noninterest-bearing	RCON6631	4,766	13.a.1.
2. Interest-bearing	RCON6636	5,120,229	13.a.2.
b. Not applicable			13.b.
14. Federal funds purchased and securities sold under agreements to repurchase:			14.
a. Federal funds purchased	RCONB993	0	14.a.
b. Securities sold under agreements to repurchase	RCONB995	0	14.b.
15. Trading liabilities (from Schedule RC-D)	RCON3548	0	15.
16. Other borrowed money (includes mortgage indebtedness and obligations under capitalized leases) (from Schedule RC-M)	RCON3190	550,000	16.
17. Not applicable			17.
18. Not applicable			18.
19. Subordinated notes and debentures	RCON3200	0	19.
20. Other liabilities (from Schedule RC-G)	RCON2930	58,300	20.
21. Total liabilities (sum of items 13 through 20)	RCON2948	5,733,295	21.
22. Not applicable			22.
23. Perpetual preferred stock and related surplus	RCON3838	0	23.
24. Common stock	RCON3230	921,000	24.
25. Surplus (exclude all surplus related to preferred stock)	RCON3839	28,632	25.
26. Not available			26.
a. Retained earnings	RCON3632	85,041	26.a.
b. Accumulated other comprehensive income	RCONB530	15,630	26.b.
c. Other equity capital components	RCONA130	0	26.c.
27. Not available			27.
a. Total bank equity capital (sum of items 23 through 26.c)	RCON3210	1,050,303	27.a.
b. Noncontrollng (minority) interests in consolidated subsidiaries	RCON3000	0	27.b.
28. Total equity capital (sum of items 27.a and 27.b)	RCONG105	1,050,303	28.
29. Total liabilities and equity capital (sum of items 21 and 28)	RCON3300	6,783,598	29.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		11


Dollar amounts in thousands
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	NR	M.1.
2. Bank’s fiscal year-end date	RCON8678	NR	M.2.

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


Dollar amounts in thousands
1. Cash items in process of collection, unposted debits, and currency and coin:			1.
a. Cash items in process of collection and unposted debits	RCON0020	0	1.a.
b. Currency and coin	RCON0080	403	1.b.
2. Balances due from depository institutions in the U.S:			2.
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	97,957	2.b.
3. Balances due from banks in foreign countries and foreign central banks:			3.
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	179,099	4.
5. Total	RCON0010	277,459	5.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		12

Schedule RC-B - Securities

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

RCON1289

RCON1290

RCON1291

RCON1293

19,109

19,753

2.a.

RCON1294

RCON1295

RCON1297

RCON1298

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

61,421

62,031

2.b.

RCON8496

RCON8497

RCON8498

RCON8499

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

4. Mortgage-backed securities (MBS):

a. Residential mortgage pass-through securities:

4.a.

1. Guaranteed by GNMA

RCONG300

RCONG301

RCONG302

RCONG303

96,470

99,562

4.a.1.

2. Issued by FNMA and FHLMC

RCONG304

RCONG305

RCONG306

RCONG307

51,780

54,698

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):

4.b.

1. Issued or guaranteed by U.S. Government agencies or sponsored agencies

RCONG312

RCONG313

RCONG314

RCONG315

792,696

811,013

4.b.1.

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

RCONG316

RCONG317

RCONG318

RCONG319

4.b.2.

RCONG320

RCONG321

RCONG322

RCONG323

3. All other residential MBS

82,686

82,538

4.b.3.

c. Commercial MBS:

4.c.

1. Commercial mortgage pass-through securities:

4.c.1.

RCONK142

RCONK143

RCONK144

RCONK145

a. Issued or guaranteed by FNMA, FHLMC, or GNMA

4.c.1.a.

b. Other pass-through securities

RCONK146

RCONK147

RCONK148

RCONK149

4.c.1.b.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		13

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

2. Other commercial MBS:

4.c.2.

a. Issued or guaranteed by U.S. Government agencies or sponsored agencies

RCONK150

RCONK151

RCONK152

RCONK153

28,909

29,525

4.c.2.a.

RCONK154

RCONK155

RCONK156

RCONK157

b. All other commercial MBS

111,706

112,935

4.c.2.b.

5. Asset-backed securities and structured financial products:

RCONC026

RCONC988

RCONC989

RCONC027

a. Asset-backed securities (ABS)

39,980

5.a.

b. Structured financial products:

5.b.

RCONG336

RCONG337

RCONG338

RCONG339

1. Cash

5.b.1.

RCONG340

RCONG341

RCONG342

RCONG343

2. Synthetic

5.b.2.

RCONG344

RCONG345

RCONG346

RCONG347

3. Hybrid

5.b.3.

6. Other debt securities:

RCON1737

RCON1738

RCON1739

RCON1741

a. Other domestic debt securities

6.a.

RCON1742

RCON1743

RCON1744

RCON1746

b. Foreign debt securities

6.b.

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

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

151,686

152,915

1,133,087

1,159,136


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		14

Schedule RC-B - Securities


Dollar amounts in thousands
1. Pledged securities	RCON0416	677,309	M.1.
2. Maturity and repricing data for debt securities (excluding those in nonaccrual status):			M.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:			M.2.a.
1. Three months or less	RCONA549	39,980	M.2.a.1.
2. Over three months through 12 months	RCONA550	24,713	M.2.a.2.
3. Over one year through three years	RCONA551	10,029	M.2.a.3.
4. Over three years through five years	RCONA552	20,226	M.2.a.4.
5. Over five years through 15 years	RCONA553	7,063	M.2.a.5.
6. Over 15 years	RCONA554	19,753	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:			M.2.b.
1. Three months or less	RCONA555	7,957	M.2.b.1.
2. Over three months through 12 months	RCONA556	31,375	M.2.b.2.
3. Over one year through three years	RCONA557	38,129	M.2.b.3.
4. Over three years through five years	RCONA558	23,825	M.2.b.4.
5. Over five years through 15 years	RCONA559	52,974	M.2.b.5.
6. Over 15 years	RCONA560	0	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:			M.2.c.
1. Three years or less	RCONA561	765,144	M.2.c.1.
2. Over three years	RCONA562	269,638	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	64,693	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):			M.4.
a. Amortized cost	RCON8782	16,388	M.4.a.
b. Fair value	RCON8783	16,639	M.4.b.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		15

Schedule RC-B - Securities

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

M.5.

RCONB838

RCONB839

RCONB840

RCONB841

a. Credit card receivables

M.5.a.

RCONB842

RCONB843

RCONB844

RCONB845

b. Home equity lines

M.5.b.

RCONB846

RCONB847

RCONB848

RCONB849

c. Automobile loans

M.5.c.

RCONB850

RCONB851

RCONB852

RCONB853

d. Other consumer loans

M.5.d.

RCONB854

RCONB855

RCONB856

RCONB857

e. Commercial and industrial loans

M.5.e.

RCONB858

RCONB859

RCONB860

RCONB861

f. Other

39,980

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)):

M.6.

RCONG348

RCONG349

RCONG350

RCONG351

a. Trust preferred securities issued by financial institutions

M.6.a.

RCONG352

RCONG353

RCONG354

RCONG355

b. Trust preferred securities issued by real estate investment trusts

M.6.b.

RCONG356

RCONG357

RCONG358

RCONG359

c. Corporate and similar loans

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.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		16

Schedule RC-C Part I - Loans and Leases

Dollar amounts in thousands

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

(Column B) To Be
Completed by All Banks

1. Loans secured by real estate:

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

1.a.

1. 1-4 family residential construction loans

RCONF158

1.a.1.

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

RCONF159

11,563

1.a.2.

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

RCON1420

1.b.

c. Secured by 1-4 family residential properties:

1.c.

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

RCON1797

1.c.1.

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

1.c.2.

a. Secured by first liens

RCON5367

1.c.2.a.

b. Secured by junior liens

RCON5368

1.c.2.b.

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

RCON1460

866,466

1.d.

e. Secured by nonfarm nonresidential properties:

1.e.

1. Loans secured by owner-occupied nonfarm nonresidential properties

RCONF160

161,935

1.e.1.

2. Loans secured by other nonfarm nonresidential properties

RCONF161

1,181,572

1.e.2.

2. Loans to depository institutions and acceptances of other banks

RCON1288

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

2.a.

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:

2.c.

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

4. Commercial and industrial loans

RCON1766

1,833,978

a. To U.S. addressees (domicile)

RCON1763

1,808,718

4.a.

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

RCON1764

25,260

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

6.b.

c. Automobile loans

RCONK137

6.c.

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

RCONK207

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

54,521

9. Loans to nondepository financial institutions and other loans:

a. Loans to nondepository financial institutions

RCONJ454

401

9.a.

b. Other loans

RCONJ464

515,717

9.b.

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

RCON1545

32,150

9.b.1.

2. All other loans (exclude consumer loans)

RCONJ451

483,567

9.b.2.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		17

Dollar amounts in thousands

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

(Column B) To Be
Completed by All Banks

10. Lease financing receivables (net of unearned income)

RCON2165

238,263

10.

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

RCONF162

10.a.

b. All other leases

RCONF163

238,263

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

4,864,416

12.

Schedule RC-C Part I - Loans and Leases


Dollar amounts in thousands
1. Loans restructured in troubled debt restructurings that are in compliance with their modified terms (included in Schedule RC-C, part 1, and not reported as past due or nonaccrual in Schedule RC-N, Memorandum item 1):			M.1.
a. Construction, land development, and other land loans:			M.1.a.
1. 1-4 family residential construction loans	RCONK158	0	M.1.a.1.
2. Other construction loans and all land development and other land loans	RCONK159	0	M.1.a.2.
b. Loans secured by 1-4 family residential properties	RCONF576	0	M.1.b.
c. Secured by multifamily (5 or more) residential properties	RCONK160	12,068	M.1.c.
d. Secured by nonfarm nonresidential properties:			M.1.d.
1. Loans secured by owner-occupied nonfarm nonresidential properties	RCONK161	138	M.1.d.1.
2. Loans secured by other nonfarm nonresidential properties	RCONK162	23,487	M.1.d.2.
e. Commercial and industrial loans	RCONK256	0	M.1.e.
1. To U.S. addressees (domicile)	RCONK163	0	M.1.e.1.
2. To non-U.S. addressees (domicile)	RCONK164	0	M.1.e.2.
f. All other loans (include loans to individuals for household, family, and other personal expenditures)	RCONK165	0	M.1.f.
1. Loans secured by farmland	RCONK166	0	M.1.f.1.
2. Loans to depository institutions and acceptances of other banks	RCONK167	0	M.1.f.2.
3. Not applicable			M.1.f.3.
4. Loans to individuals for household, family, and other personal expenditures:			M.1.f.4.
a. Credit cards	RCONK098	0	M.1.f.4.a.
b. Automobile loans	RCONK203	0	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	0	M.1.f.4.c.
5. Loans to foreign governments and official institutions	RCONK212	0	M.1.f.5.
6. Other loans	RCONK267	0	M.1.f.6.
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):			M.2.
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), column B, above) with a remaining maturity or next repricing date of:			M.2.a.
1. Three months or less	RCONA564	0	M.2.a.1.
2. Over three months through 12 months	RCONA565	0	M.2.a.2.
3. Over one year through three years	RCONA566	0	M.2.a.3.
4. Over three years through five years	RCONA567	0	M.2.a.4.
5. Over five years through 15 years	RCONA568	0	M.2.a.5.
6. Over 15 years	RCONA569	0	M.2.a.6.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		18


Dollar amounts in thousands
b. All loans and leases (reported in Schedule RC-C, part I, items 1 through 10, column B, above) EXCLUDING closed-end loans secured by first liens on 1-4 family residential properties (reported in Schedule RC-C, part I, item 1.c.(2)(a), column B, above) with a remaining maturity or next repricing date of:			M.2.b.
1. Three months or less	RCONA570	1,054,254	M.2.b.1.
2. Over three months through 12 months	RCONA571	215,464	M.2.b.2.
3. Over one year through three years	RCONA572	1,301,506	M.2.b.3.
4. Over three years through five years	RCONA573	1,007,357	M.2.b.4.
5. Over five years through 15 years	RCONA574	824,377	M.2.b.5.
6. Over 15 years	RCONA575	343,070	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	219,346	M.2.c.
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	RCON2746	483,567	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	0	M.4.
5. 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)	RCONB837	1,900	M.5.
6. Outstanding credit card fees and finance charges included in Schedule RC-C, part I, item 6.a	RCONC391	NR	M.6.
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):			M.7.
a. Outstanding balance	RCONC779	11,314	M.7.a.
b. Carrying amount included in Schedule RC-C, part I, items 1 through 9	RCONC780	4,507	M.7.b.
8. Closed-end loans with negative amortization features secured by 1-4 family residential properties:			M.8.
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 1.c.(2)(b))	RCONF230	0	M.8.a.
b. Total maximum remaining amount of negative amortization contractually permitted on closed-end loans secured by 1-4 family residential properties	RCONF231	NR	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	NR	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	0	M.9.
10. Loans measured at fair value (included in Schedule RC-C, part I, items 1 through 9):			M.10.
a. Loans secured by real estate:			M.10.a.
1. Construction, land development, and other land loans	RCONF578	NR	M.10.a.1.
2. Secured by farmland (including farm residential and other improvements)	RCONF579	NR	M.10.a.2.
3. Secured by 1-4 family residential properties:			M.10.a.3.
a. Revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit	RCONF580	NR	M.10.a.3.a.
b. Closed-end loans secured by 1-4 family residential properties:			M.10.a.3.b.
1. Secured by first liens	RCONF581	NR	M.10.a.3.b.1.
2. Secured by junior liens	RCONF582	NR	M.10.a.3.b.2.
4. Secured by multifamily (5 or more) residential properties	RCONF583	NR	M.10.a.4.
5. Secured by nonfarm nonresidential properties	RCONF584	NR	M.10.a.5.
b. Commercial and industrial loans	RCONF585	NR	M.10.b.
c. Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans) (includes purchased paper):			M.10.c.
1. Credit cards	RCONF586	NR	M.10.c.1.
2. Other revolving credit plans	RCONF587	NR	M.10.c.2.


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Dollar amounts in thousands
3. Automobile loans	RCONK196	NR	M.10.c.3.
4. Other consumer loans (includes single payment, installment, and all student loans)	RCONK208	NR	M.10.c.4.
d. Other loans	RCONF589	NR	M.10.d.
11. Unpaid principal balance of loans measured at fair value (reported in Schedule RC-C, part I, Memorandum item 10):			M.11.
a. Loans secured by real estate:			M.11.a.
1. Construction, and land development, and other land loans	RCONF590	NR	M.11.a.1.
2. Secured by farmland (including farm residential and other improvements)	RCONF591	NR	M.11.a.2.
3. Secured by 1-4 family residential properties:			M.11.a.3.
a. Revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit	RCONF592	NR	M.11.a.3.a.
b. Closed-end loans secured by 1-4 family residential properties:			M.11.a.3.b.
1. Secured by first liens	RCONF593	NR	M.11.a.3.b.1.
2. Secured by junior liens	RCONF594	NR	M.11.a.3.b.2.
4. Secured by multifamily (5 or more) residential properties	RCONF595	NR	M.11.a.4.
5. Secured by nonfarm nonresidential properties	RCONF596	NR	M.11.a.5.
b. Commercial and industrial loans	RCONF597	NR	M.11.b.
c. Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans) (includes purchased paper):			M.11.c.
1. Credit cards	RCONF598	NR	M.11.c.1.
2. Other revolving credit plans	RCONF599	NR	M.11.c.2.
3. Automobile loans	RCONK195	NR	M.11.c.3.
4. Other consumer loans (includes single payment, installment, and all student loans)	RCONK209	NR	M.11.c.4.
d. Other loans	RCONF601	NR	M.11.d.

Schedule RC-C Part I - Loans and Leases

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:

M.12.

RCONG091

RCONG092

RCONG093

a. Loans secured by real estate

M.12.a.

RCONG094

RCONG095

RCONG096

b. Commercial and industrial loans

M.12.b.

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

RCONG097

RCONG098

RCONG099

M.12.c.

RCONG100

RCONG101

RCONG102

d. All other loans and all leases

M.12.d.


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Schedule RC-C Part I - Loans and Leases


Dollar amounts in thousands
13. Construction, land development, and other land loans in domestic offices with interest reserves:			M.13.
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	NR	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)(a)(2))	RIADG377	NR	M.13.b.
14. Pledged loans and leases	RCONG378	454,522	M.14.
15. Reverse mortgages:			M.15.
a. Reverse mortgages outstanding that are held for investment (included in Schedule RC-C, item 1.c, above):			M.15.a.
1. Home Equity Conversion Mortgage (HECM) reverse mortgages	RCONJ466	0	M.15.a.1.
2. Proprietary reverse mortgages	RCONJ467	0	M.15.a.2.
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:			M.15.b.
1. Home Equity Conversion Mortgage (HECM) reverse mortgages	RCONJ468	0	M.15.b.1.
2. Proprietary reverse mortgages	RCONJ469	0	M.15.b.2.
c. Principal amount of reverse mortgage originations that have been sold during the year:			M.15.c.
1. Home Equity Conversion Mortgage (HECM) reverse mortgages	RCONJ470	0	M.15.c.1.
2. Proprietary reverse mortgages	RCONJ471	0	M.15.c.2.

Schedule RC-C Part II - Loans to Small Businesses and Small Farms


Dollar amounts in thousands
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	RCON6999	No	1.
2. Report the total number of loans currently outstanding for each of the following Schedule RC-C, part I, loan categories:			2.
a. “Loans secured by nonfarm nonresidential properties” reported in Schedule RC-C, part I, items 1.e.(1) and 1.e.(2)	RCON5562	NR	2.a.
b. “Commercial and industrial loans” reported in Schedule RC-C, part I, item 4	RCON5563	NR	2.b.

Schedule RC-C Part II - Loans to Small Businesses and Small Farms

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):

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

RCON5564

RCON5565

3.a.

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

RCON5566

RCON5567

2,654

3.b.

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

RCON5568

204

RCON5569

59,273

3.c.

4. Number and amount currently outstanding of “Commercial and industrial loans” reported in Schedule RC-C, part I, item 4:

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

RCON5570

RCON5571

312

4.a.

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

RCON5572

RCON5573

4,693

4.b.

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

RCON5574

174

RCON5575

82,546

4.c.


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Schedule RC-C Part II - Loans to Small Businesses and Small Farms


Dollar amounts in thousands
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	RCON6860	No	5.
6. Report the total number of loans currently outstanding for each of the following Schedule RC-C, part I, loan categories:			6.
a. “Loans secured by farmland (including farm residential and other improvements)” reported in Schedule RC-C, part I, item 1.b	RCON5576	NR	6.a.
b. “Loans to finance agricultural production and other loans to farmers” reported in Schedule RC-C, part I, item 3	RCON5577	NR	6.b.

Schedule RC-C Part II - Loans to Small Businesses and Small Farms

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:

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

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:

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

RCON5584

RCON5585

8.a.

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

RCON5586

RCON5587

8.b.

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

RCON5588

RCON5589

8.c.

Schedule RC-D - Trading Assets and Liabilities


Dollar amounts in thousands
1. U.S. Treasury securities	RCON3531	NR	1.
2. U.S. Government agency obligations (exclude mortgage-backed securities)	RCON3532	NR	2.
3. Securities issued by states and political subdivisions in the U.S.	RCON3533	NR	3.
4. Mortgage-backed securities (MBS):			4.
a. Residential mortgage pass-through securities issued or guaranteed by FNMA, FHLMC, or GNMA	RCONG379	NR	4.a.
b. Other residential MBS issued or guaranteed by U.S. Government agencies or sponsored agencies (include CMOs, REMICs, and stripped MBS)	RCONG380	NR	4.b.
c. All other residential MBS	RCONG381	NR	4.c.
d. Commercial MBS issued or guaranteed by U.S. Government agencies or sponsored agencies	RCONK197	NR	4.d.
e. All other commercial MBS	RCONK198	NR	4.e.
5. Other debt securities:			5.
a. Structured financial products:			5.a.
1. Cash	RCONG383	NR	5.a.1.
2. Synthetic	RCONG384	NR	5.a.2.
3. Hybrid	RCONG385	NR	5.a.3.
b. All other debt securities	RCONG386	NR	5.b.


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Dollar amounts in thousands
6. Loans:			6.
a. Loans secured by real estate:			6.a.
1. Construction, land development, and other land loans	RCONF604	NR	6.a.1.
2. Secured by farmland (including farm residential and other improvements)	RCONF605	NR	6.a.2.
3. Secured by 1-4 family residential properties:			6.a.3.
a. Revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit	RCONF606	NR	6.a.3.a.
b. Closed-end loans secured by 1-4 family residential properties:			6.a.3.b.
1. Secured by first liens	RCONF607	NR	6.a.3.b.1.
2. Secured by junior liens	RCONF611	NR	6.a.3.b.2.
4. Secured by multifamily (5 or more) residential properties	RCONF612	NR	6.a.4.
5. Secured by nonfarm nonresidential properties	RCONF613	NR	6.a.5.
b. Commercial and industrial loans	RCONF614	NR	6.b.
c. Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans) (includes purchased paper):			6.c.
1. Credit cards	RCONF615	NR	6.c.1.
2. Other revolving credit plans	RCONF616	NR	6.c.2.
3. Automobile loans	RCONK199	NR	6.c.3.
4. Other consumer loans (includes single payment, installment, and all student loans)	RCONK210	NR	6.c.4.
d. Other loans	RCONF618	NR	6.d.
7. Not applicable			7.
8. Not applicable			8.
9. Other trading assets	RCON3541	NR	9.
10. Not applicable			10.
11. Derivatives with a positive fair value	RCON3543	0	11.
12. Total trading assets (sum of items 1 through 11) (must equal Schedule RC, item 5)	RCON3545	0	12.
13. Not available			13.
a. Liability for short positions	RCON3546	NR	13.a.
b. Other trading liabilities	RCONF624	NR	13.b.
14. Derivatives with a negative fair value	RCON3547	0	14.
15. Total trading liabilities (sum of items 13.a through 14) (must equal Schedule RC, item 15)	RCON3548	0	15.
1. Unpaid principal balance of loans measured at fair value (reported in Schedule RC-D, items 6.a.(1) through 6.d):			M.1.
a. Loans secured by real estate:			M.1.a.
1. Construction, land development, and other land loans	RCONF625	NR	M.1.a.1.
2. Secured by farmland (including farm residential and other improvements)	RCONF626	NR	M.1.a.2.
3. Secured by 1-4 family residential properties:			M.1.a.3.
a. Revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit	RCONF627	NR	M.1.a.3.a.
b. Closed-end loans secured by 1-4 family residential properties:			M.1.a.3.b.
1. Secured by first liens	RCONF628	NR	M.1.a.3.b.1.
2. Secured by junior liens	RCONF629	NR	M.1.a.3.b.2.
4. Secured by multifamily (5 or more) residential properties	RCONF630	NR	M.1.a.4.
5. Secured by nonfarm nonresidential properties	RCONF631	NR	M.1.a.5.
b. Commercial and industrial loans	RCONF632	NR	M.1.b.
c. Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans) (includes purchased paper):			M.1.c.
1. Credit cards	RCONF633	NR	M.1.c.1.
2. Other revolving credit plans	RCONF634	NR	M.1.c.2.
3. Automobile loans	RCONK200	NR	M.1.c.3.


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Dollar amounts in thousands
4. Other consumer loans (includes single payment, installment, and all student loans)	RCONK211	NR	M.1.c.4.
d. Other loans	RCONF636	NR	M.1.d.
2. Loans measured at fair value that are past due 90 days or more:			M.2.
a. Fair value	RCONF639	NR	M.2.a.
b. Unpaid principal balance	RCONF640	NR	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)):			M.3.
a. Trust preferred securities issued by financial institutions	RCONG299	NR	M.3.a.
b. Trust preferred securities issued by real estate investment trusts	RCONG332	NR	M.3.b.
c. Corporate and similar loans	RCONG333	NR	M.3.c.
d. 1-4 family residential MBS issued or guaranteed by U.S. government-sponsored enterprises (GSEs)	RCONG334	NR	M.3.d.
e. 1-4 family residential MBS not issued or guaranteed by GSEs	RCONG335	NR	M.3.e.
f. Diversified (mixed) pools of structured financial products	RCONG651	NR	M.3.f.
g. Other collateral or reference assets	RCONG652	NR	M.3.g.
4. Pledged trading assets:			M.4.
a. Pledged securities	RCONG387	NR	M.4.a.
b. Pledged loans	RCONG388	NR	M.4.b.
5. Asset-backed securities:			M.5.
a. Credit card receivables	RCONF643	NR	M.5.a.
b. Home equity lines	RCONF644	NR	M.5.b.
c. Automobile loans	RCONF645	NR	M.5.c.
d. Other consumer loans	RCONF646	NR	M.5.d.
e. Commercial and industrial loans	RCONF647	NR	M.5.e.
f. Other	RCONF648	NR	M.5.f.
6. Retained beneficial interests in securitizations (first-loss or equity tranches)	RCONF651	NR	M.6.
7. Equity securities (included in Schedule RC-D, item 9, above):			M.7.
a. Readily determinable fair values	RCONF652	NR	M.7.a.
b. Other	RCONF653	NR	M.7.b.
8. Loans pending securitization	RCONF654	NR	M.8.
9. Other trading assets (itemize and describe amounts included in Schedule RC-D, item 9,that are greater than $25,000 and exceed 25% of the item):			M.9.
a. Disclose component and the dollar amount of that component:			M.9.a.
1. Describe component	TEXTF655		M.9.a.1.
2. Amount of component	RCONF655	NR	M.9.a.2.
b. Disclose component and the dollar amount of that component:			M.9.b.
1. Describe component	TEXTF656		M.9.b.1.
2. Amount of component	RCONF656	NR	M.9.b.2.
c. Disclose component and the dollar amount of that component:			M.9.c.
1. Describe component	TEXTF657		M.9.c.1.
2. Amount of component	RCONF657	NR	M.9.c.2.
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):			M.10.
a. Disclose component and the dollar amount of that component:			M.10.a.
1. Describe component	TEXTF658		M.10.a.1.
2. Amount of component	RCONF658	NR	M.10.a.2.
b. Disclose component and the dollar amount of that component:			M.10.b.
1. Describe component	TEXTF659		M.10.b.1.
2. Amount of component	RCONF659	NR	M.10.b.2.
c. Disclose component and the dollar amount of that component:			M.10.c.
1. Describe component	TEXTF660		M.10.c.1.
2. Amount of component	RCONF660	NR	M.10.c.2.


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Schedule RC-E - Deposit Liabilities

Dollar amounts in thousands

(Column A)
Transaction
Accounts Total
transaction
accounts
(including total
demand
deposits)

(Column B)
Transaction
Accounts Memo:
Total demand
deposits
(included in
column A)

(Column C)
Nontransaction
Accounts Total
nontransaction
accounts
(including
MMDAs)

Deposits of:

1. Individuals, partnerships, and corporations (include all certified and official checks)

RCONB549

RCONB550

5,053,965

2. U.S. Government

RCON2202

RCON2520

RCON2203

RCON2530

3. States and political subdivisions in the U.S

71,030

RCONB551

RCONB552

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

RCON2213

RCON2236

5. Banks in foreign countries

6. Foreign governments and official institutions (including foreign central banks)

RCON2216

RCON2377

7. Total (sum of items 1 through 6) (sum of columns A and C must equal Schedule RC, item 13.a)

RCON2215

RCON2210

RCON2385

5,124,995

Schedule RC-E - Deposit Liabilities


Dollar amounts in thousands
1. Selected components of total deposits (i.e., sum of item 7, columns A and C):			M.1.
a. Total Individual Retirement Accounts (IRAs) and Keogh Plan accounts	RCON6835	411,994	M.1.a.
b. Total brokered deposits	RCON2365	0	M.1.b.
c. Fully insured brokered deposits (included in Memorandum item 1.b above):			M.1.c.
1. Brokered deposits of less than $100,000	RCON2343	0	M.1.c.1.
2. Brokered deposits of $100,000 through $250,000 and certain brokered retirement deposit accounts	RCONJ472	0	M.1.c.2.
d. Maturity data for brokered deposits:			M.1.d.
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	0	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	0	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	0	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	70,530	M.1.e.
f. Estimated amount of deposits obtained through the use of deposit listing services that are not brokered deposits	RCONK223	0	M.1.f.


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Dollar amounts in thousands
2. Components of total nontransaction accounts (sum of Memorandum items 2.a through
2.d must equal item 7, column C above):			M.2.
a. Savings deposits:			M.2.a.
1. Money market deposit accounts (MMDAs)	RCON6810	260,032	M.2.a.1.
2. Other savings deposits (excludes MMDAs)	RCON0352	836,521	M.2.a.2.
b. Total time deposits of less than $100,000	RCON6648	1,985,386	M.2.b.
c. Total time deposits of $100,000 through $250,000	RCONJ473	1,664,357	M.2.c.
d. Total time deposits of more than $250,000	RCONJ474	378,699	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	132,476	M.2.e.
3. Maturity and repricing data for time deposits of less than $100,000:			M.3.
a. Time deposits of less than $100,000 with a remaining maturity or next repricing date of:			M.3.a.
1. Three months or less	RCONA579	634,338	M.3.a.1.
2. Over three months through 12 months	RCONA580	1,140,501	M.3.a.2.
3. Over one year through three years	RCONA581	177,299	M.3.a.3.
4. Over three years	RCONA582	33,248	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)	RCONA241	1,774,839	M.3.b.
4. Maturity and repricing data for time deposits of $100,000 or more:			M.4.
a. Time deposits of $100,000 or more with a remaining maturity or next repricing date of:			M.4.a.
1. Three months or less	RCONA584	609,621	M.4.a.1.
2. Over three months through 12 months	RCONA585	1,204,446	M.4.a.2.
3. Over one year through three years	RCONA586	185,092	M.4.a.3.
4. Over three years	RCONA587	43,897	M.4.a.4.
b. Time 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)	RCONK221	1,478,937	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)	RCONK222	335,130	M.4.c.


Schedule RC-F - Other Assets
Dollar amounts in thousands
1. Accrued interest receivable	RCONB556	16,610	1.
2. Net deferred tax assets	RCON2148	2,688	2.
3. Interest-only strips receivable (not in the form of a security) on:			3.
a. Mortgage loans	RCONA519	0	3.a.
b. Other financial assets	RCONA520	0	3.b.
4. Equity securities that DO NOT have readily determinable fair values	RCON1752	43,466	4.
5. Life insurance assets:			5.
a. General account life insurance assets	RCONK201	0	5.a.
b. Separate account life insurance assets	RCONK202	0	5.b.
c. Hybrid account life insurance assets	RCONK270	0	5.c.
6. All other assets (itemize and describe amounts greater than $25,000 that exceed 25% of this item)	RCON2168	66,832	6.
a. Prepaid expenses	RCON2166	0	6.a.
b. Repossessed personal property (including vehicles)	RCON1578	0	6.b.
c. Derivatives with a positive fair value held for purposes other than trading	RCONC010	0	6.c.
d. Retained interests in accrued interest receivable related to securitized credit cards	RCONC436	0	6.d.
e. FDIC loss-sharing indemnification assets	RCONJ448	0	6.e.
f. Prepaid deposit insurance assessments	RCONJ449	CONF	6.f.
g. Disclose component and the dollar amount of that component:			6.g.
1. Describe component	TEXT3549	Click here for value	6.g.1.
2. Amount of component	RCON3549	37,092	6.g.2.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		26


Dollar amounts in thousands
h. Disclose component and the dollar amount of that component:			6.h.
1. Describe component	TEXT3550		6.h.1.
2. Amount of component	RCON3550	0	6.h.2.
i. Disclose component and the dollar amount of that component:			6.i.
1. Describe component	TEXT3551		6.i.1.
2. Amount of component	RCON3551	0	6.i.2.
7. Total (sum of items 1 through 6) (must equal Schedule RC, item 11)	RCON2160	129,596	7.


(TEXT3549) CRA investments Schedule RC-G - Other Liabilities
Dollar amounts in thousands
1. Not available			1.
a. Interest accrued and unpaid on deposits	RCON3645	14	1.a.
b. Other expenses accrued and unpaid (includes accrued income taxes payable)	RCON3646	43,041	1.b.
2. Net deferred tax liabilities	RCON3049	0	2.
3. Allowance for credit losses on off-balance sheet credit exposures	RCONB557	3,574	3.
4. All other liabilities	RCON2938	11,671	4.
a. Accounts payable	RCON3066	0	4.a.
b. Deferred compensation liabilities	RCONC011	0	4.b.
c. Dividends declared but not yet payable	RCON2932	0	4.c.
d. Derivatives with a negative fair value held for purposes other than trading	RCONC012	0	4.d.
e. Disclose component and the dollar amount of that component:			4.e.
1. Describe component	TEXT3552	Click here for value	4.e.1.
2. Amount of component	RCON3552	7,289	4.e.2.
f. Disclose component and the dollar amount of that component:			4.f.
1. Describe component	TEXT3553		4.f.1.
2. Amount of component	RCON3553	0	4.f.2.
g. Disclose component and the dollar amount of that component:			4.g.
1. Describe component	TEXT3554		4.g.1.
2. Amount of component	RCON3554	0	4.g.2.
5. Total	RCON2930	58,300	5.


(TEXT3552) Intercompany payable Schedule RC-K - Quarterly Averages
Dollar amounts in thousands
1. Interest-bearing balances due from depository institutions	RCON3381	117,402	1.
2. U.S. Treasury securities and U.S. Government agency obligations (excluding mortgage-backed securities)	RCONB558	147,688	2.
3. Mortgage-backed securities	RCONB559	1,233,389	3.
4. All other securities (includes securities issued by states and political subdivisions in the U.S.)	RCONB560	81,697	4.
5. Federal funds sold and securities purchased under agreements to resell	RCON3365	0	5.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		27


Dollar amounts in thousands
6. Loans:			6.
a. Total loans	RCON3360	4,410,563	6.a.
b. Loans secured by real estate:			6.b.
1. Loans secured by 1-4 family residential properties	RCON3465	0	6.b.1.
2. All other loans secured by real estate	RCON3466	2,118,007	6.b.2.
c. Commercial and industrial loans	RCON3387	1,748,510	6.c.
d. Loans to individuals for household, family, and other personal expenditures:			6.d.
1. Credit cards	RCONB561	0	6.d.1.
2. Other (includes single payment, installment, all student loans, and revolving credit plans other than credit cards)	RCONB562	0	6.d.2.
7. Trading assets	RCON3401	0	7.
8. Lease financing receivables (net of unearned income)	RCON3484	231,937	8.
9. Total assets	RCON3368	6,608,105	9.
10. Interest-bearing transaction accounts (interest-bearing demand deposits, NOW accounts, ATS accounts, and telephone and preauthorized transfer accounts)	RCON3485	0	10.
11. Nontransaction accounts:			11.
a. Savings deposits (includes MMDAs)	RCONB563	1,091,567	11.a.
b. Time deposits of $100,000 or more	RCONA514	1,932,040	11.b.
c. Time deposits of less than $100,000	RCONA529	1,959,349	11.c.
12. Federal funds purchased and securities sold under agreements to repurchase	RCON3353	0	12.
13. Other borrowed money (includes mortgage indebtedness and obligations under capitalized leases)	RCON3355	511,957	13.
1. Loans to finance agricultural production and other loans to farmers	RCON3386	0	M.1.

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


Dollar amounts in thousands
1. Unused commitments:			1.
a. Revolving, open-end lines secured by 1-4 family residential properties, i.e., home equity lines	RCON3814	0	1.a.
1. Unused commitments for Home Equity Conversion Mortgage (HECM) reverse mortgages outstanding that are held for investment (included in item 1.a above)	RCONJ477	0	1.a.1.
2. Unused commitments for proprietary reverse mortgages outstanding that are held for investment (included in item 1.a above)	RCONJ478	0	1.a.2.
b. Credit card lines (Sum of items 1.b.(1) and 1.b.(2) must equal item 1.b)	RCON3815	0	1.b.
1. Unused consumer credit card lines	RCONJ455	0	1.b.1.
2. Other unused credit card lines	RCONJ456	0	1.b.2.
c. Commitments to fund commercial real estate, construction, and land development loans:			1.c.
1. Secured by real estate:			1.c.1.
a. 1-4 family residential construction loan commitments	RCONF164	0	1.c.1.a.
b. Commercial real estate, other construction loan, and land development loan commitments	RCONF165	66,829	1.c.1.b.
2. Not secured by real estate	RCON6550	160,872	1.c.2.
d. Securities underwriting	RCON3817	0	1.d.
e. Other unused commitments:			1.e.
1. Commercial and industrial loans	RCONJ457	607,930	1.e.1.
2. Loans to financial institutions	RCONJ458	0	1.e.2.
3. All other unused commitments	RCONJ459	16,371	1.e.3.
2. Financial standby letters of credit	RCON3819	93,526	2.
a. Amount of financial standby letters of credit conveyed to others	RCON3820	0	2.a.
3. Performance standby letters of credit	RCON3821	0	3.
a. Amount of performance standby letters of credit conveyed to others	RCON3822	0	3.a.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		28


Dollar amounts in thousands
4. Commercial and similar letters of credit	RCON3411	0	4.
5. Not applicable			5.
6. Securities lent (including customers’ securities lent where the customer is indemnified against loss by the reporting bank)	RCON3433	0	6.

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

(Column A) Sold

(Column B) Purchased

Dollar amounts in thousands

Protection

7. Credit derivatives:

a. Notional amounts:

7.a.

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:

7.b.

1. Gross positive fair value

RCONC219

RCONC221

7.b.1.

2. Gross negative fair value

RCONC220

RCONC222

7.b.2.

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


Dollar amounts in thousands
c. Notational amounts by regulatory capital treatment:			7.c.
1. Positions covered under the Market Risk Rule:			7.c.1.
a. Sold protection	RCONG401	0	7.c.1.a.
b. Purchased protection	RCONG402	0	7.c.1.b.
2. All other positions:			7.c.2.
a. Sold protection	RCONG403	0	7.c.2.a.
b. Purchased protection that is recognized as a guarantee for regulatory capital purposes	RCONG404	0	7.c.2.b.
c. Purchased protection that is not recognized as a guarantee for regulatory capital purposes	RCONG405	0	7.c.2.c.

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

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

d. Notional amounts by remaining maturity:

7.d.

1. Sold credit protection:

7.d.1.

RCONG406

RCONG407

RCONG408

a. Investment grade

7.d.1.a.

RCONG409

RCONG410

RCONG411

b. Subinvestment grade

7.d.1.b.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		29

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

2. Purchased credit protection:

7.d.2.

RCONG412

RCONG413

RCONG414

a. Investment grade

7.d.2.a.

RCONG415

RCONG416

RCONG417

b. Subinvestment grade

7.d.2.b.

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


Dollar amounts in thousands
8. Spot foreign exchange contracts	RCON8765	0	8.
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	0	9.
a. Securities borrowed	RCON3432	0	9.a.
b. Commitments to purchase when-issued securities	RCON3434	0	9.b.
c. Standby letters of credit issued by a Federal Home Loan Bank on the bank’s behalf	RCONC978	0	9.c.
d. Disclose component and the dollar amount of that component:			9.d.
1. Describe component	TEXT3555		9.d.1.
2. Amount of component	RCON3555	0	9.d.2.
e. Disclose component and the dollar amount of that component:			9.e.
1. Describe component	TEXT3556		9.e.1.
2. Amount of component	RCON3556	0	9.e.2.
f. Disclose component and the dollar amount of that component:			9.f.
1. Describe component	TEXT3557		9.f.1.
2. Amount of component	RCON3557	0	9.f.2.
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	0	10.
a. Commitments to sell when-issued securities	RCON3435	0	10.a.
b. Disclose component and the dollar amount of that component:			10.b.
1. Describe component	TEXT5592		10.b.1.
2. Amount of component	RCON5592	0	10.b.2.
c. Disclose component and the dollar amount of that component:			10.c.
1. Describe component	TEXT5593		10.c.1.
2. Amount of component	RCON5593	0	10.c.2.
d. Disclose component and the dollar amount of that component:			10.d.
1. Describe component	TEXT5594		10.d.1.
2. Amount of component	RCON5594	0	10.d.2.
e. Disclose component and the dollar amount of that component:			10.e.
1. Describe component	TEXT5595		10.e.1.
2. Amount of component	RCON5595	0	10.e.2.
11. Year-to-date merchant credit card sales volume:			11.
a. Sales for which the reporting bank is the acquiring bank	RCONC223	0	11.a.
b. Sales for which the reporting bank is the agent bank with risk	RCONC224	0	11.b.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		30

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

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):

12.

RCON8693

RCON8694

RCON8695

RCON8696

a. Futures contracts

12.a.

RCON8697

RCON8698

RCON8699

RCON8700

b. Forward contracts

12.b.

c. Exchange-traded option contracts:

12.c.

RCON8701

RCON8702

RCON8703

RCON8704

1. Written options

12.c.1.

RCON8705

RCON8706

RCON8707

RCON8708

2. Purchased options

12.c.2.

d. Over-the-counter option contracts:

12.d.

RCON8709

RCON8710

RCON8711

RCON8712

1. Written options

12.d.1.

RCON8713

RCON8714

RCON8715

RCON8716

2. Purchased options

12.d.2.

RCON3450

RCON3826

RCON8719

RCON8720

e. Swaps

25,946

12.e.

RCONA126

RCONA127

RCON8723

RCON8724

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

13.

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

RCON8725

RCON8726

RCON8727

RCON8728

25,946

14.

RCONA589

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

14.a.

15. Gross fair values of derivative contracts:

15.

a. Contracts held for trading:

15.a.

RCON8733

RCON8734

RCON8735

RCON8736

1. Gross positive fair value

15.a.1.

RCON8737

RCON8738

RCON8739

RCON8740

2. Gross negative fair value

15.a.2.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		31

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

b. Contracts held for purposes other than trading:

15.b.

RCON8741

RCON8742

RCON8743

RCON8744

1. Gross positive fair value

167

15.b.1.

RCON8745

RCON8746

RCON8747

RCON8748

2. Gross negative fair value

183

15.b.2.

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

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:

16.

RCONG418

RCONG419

RCONG420

RCONG421

RCONG422

a. Net current credit exposure

16.a.

b. Fair value of collateral:

16.b.

RCONG423

RCONG424

RCONG425

RCONG426

RCONG427

1. Cash - U.S. dollar

16.b.1.

RCONG428

RCONG429

RCONG430

RCONG431

RCONG432

2. Cash - Other currencies

16.b.2.

RCONG433

RCONG434

RCONG435

RCONG436

RCONG437

3. U.S. Treasury securities

16.b.3.

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

RCONG438

RCONG439

RCONG440

RCONG441

RCONG442

16.b.4.

RCONG443

RCONG444

RCONG445

RCONG446

RCONG447

5. Corporate bonds

16.b.5.

RCONG448

RCONG449

RCONG450

RCONG451

RCONG452

6. Equity securities

16.b.6.

RCONG453

RCONG454

RCONG455

RCONG456

RCONG457

7. All other collateral

16.b.7.

RCONG458

RCONG459

RCONG460

RCONG461

RCONG462

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

16.b.8.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		32

Schedule RC-M - Memoranda


Dollar amounts in thousands
1. Extensions of credit by the reporting bank to its executive officers, directors, principal shareholders, and their related interests as of the report date:			1.
a. Aggregate amount of all extensions of credit to all executive officers, directors, principal shareholders, and their related interests	RCON6164	0	1.a.
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	0	1.b.
2. Intangible assets other than goodwill:			2.
a. Mortgage servicing assets	RCON3164	0	2.a.
1. Estimated fair value of mortgage servicing assets	RCONA590	0	2.a.1.
b. Purchased credit card relationships and nonmortgage servicing assets	RCONB026	0	2.b.
c. All other identifiable intangible assets	RCON5507	0	2.c.
d. Total (sum of items 2.a, 2.b, and 2.c) (must equal Schedule RC, item 10.b)	RCON0426	0	2.d.
3. Other real estate owned:			3.
a. Construction, land development, and other land	RCON5508	773	3.a.
b. Farmland	RCON5509	0	3.b.
c. 1-4 family residential properties	RCON5510	0	3.c.
d. Multifamily (5 or more) residential properties	RCON5511	0	3.d.
e. Nonfarm nonresidential properties	RCON5512	5,128	3.e.
f. Foreclosed properties from “GNMA loans”	RCONC979	0	3.f.
g. Total (sum of items 3.a through 3.f) (must equal Schedule RC, item 7)	RCON2150	5,901	3.g.
4. Not applicable			4.
5. Other borrowed money:			5.
a. Federal Home Loan Bank advances:			5.a.
1. Advances with a remaining maturity or next repricing date of:			5.a.1.
a. One year or less	RCONF055	53,000	5.a.1.a.
b. Over one year through three years	RCONF056	128,000	5.a.1.b.
c. Over three years through five years	RCONF057	294,000	5.a.1.c.
d. Over five years	RCONF058	75,000	5.a.1.d.
2. Advances with a remaining maturity of one year or less (included in item 5.a.(1)(a) above)	RCON2651	53,000	5.a.2.
3. Structured advances (included in items 5.a.(1)(a) - (d) above)	RCONF059	0	5.a.3.
b. Other borrowings:			5.b.
1. Other borrowings with a remaining maturity of next repricing date of:			5.b.1.
a. One year or less	RCONF060	0	5.b.1.a.
b. Over one year through three years	RCONF061	0	5.b.1.b.
c. Over three years through five years	RCONF062	0	5.b.1.c.
d. Over five years	RCONF063	0	5.b.1.d.
2. Other borrowings with a remaining maturity of one year or less (included in item 5.b.(1)(a) above)	RCONB571	0	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	550,000	5.c.
6. Does the reporting bank sell private label or third party mutual funds and annuities?	RCONB569	No	6.
7. Assets under the reporting bank’s management in proprietary mutual funds and annuities.	RCONB570	0	7.
8. Primary Internet Web site address of the bank (home page), if any (Example: www.examplebank.com)	TEXT4087	Click here for value	8.
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	9.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		33


Dollar amounts in thousands
10. Secured liabilities:			10.
a. Amount of “Federal funds purchased” that are secured (included in Schedule RC, item 14.a)	RCONF064	0	10.a.
b. Amount of “Other borrowings” that are secured (included in Schedule RC-M, items 5.b.(1)(a) - (d))	RCONF065	0	10.b.
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	No	12.
13. Assets covered by loss-sharing agreements with the FDIC:			13.
a. Loans and leases (included in Schedule RC, items 4.a and 4.b):			13.a.
1. Loans secured by real estate:			13.a.1.
a. Construction, land development, and other land loans:			13.a.1.a.
1. 1-4 family residential construction loans	RCONK169	0	13.a.1.a.1.
2. Other construction loans and all land development and other land loans	RCONK170	0	13.a.1.a.2.
b. Secured by farmland	RCONK171	0	13.a.1.b.
c. Secured by 1-4 family residential properties:			13.a.1.c.
1. Revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit	RCONK172	0	13.a.1.c.1.
2. Closed-end loans secured by 1-4 family residential properties:			13.a.1.c.2.
a. Secured by first liens	RCONK173	0	13.a.1.c.2.a.
b. Secured by junior liens	RCONK174	0	13.a.1.c.2.b.
d. Secured by multifamily (5 or more) residential properties	RCONK175	0	13.a.1.d.
e. Secured by nonfarm nonresidential properties:			13.a.1.e.
1. Loans secured by owner-occupied nonfarm nonresidential properties	RCONK176	0	13.a.1.e.1.
2. Loans secured by other nonfarm nonresidential properties	RCONK177	0	13.a.1.e.2.
2. Not applicable			13.a.2.
3. Commercial and industrial loans	RCONK179	0	13.a.3.
4. Loans to individuals for household, family, and other personal expenditures:			13.a.4.
a. Credit cards	RCONK180	0	13.a.4.a.
b. Automobile loans	RCONK181	0	13.a.4.b.
c. Other consumer loans (includes single payment, installment, all student loans, and revolving credit plans other than credit cards)	RCONK182	0	13.a.4.c.
5. All other loans and all leases	RCONK183	0	13.a.5.
a. Loans to depository institutions and acceptances of other banks	RCONK184	0	13.a.5.a.
b. Loans to foreign governments and official institutions	RCONK185	0	13.a.5.b.
c. Other loans	RCONK186	0	13.a.5.c.
1. Loans to finance agricultural production and other loans to farmers included in Schedule RC-M, item 13.a.(5)(c), above	RCONK178	0	13.a.5.c.1.
d. Lease financing receivables	RCONK273	0	13.a.5.d.
b. Other real estate owned (included in Schedule RC, item 7):			13.b.
1. Construction, land development, and other land	RCONK187	0	13.b.1.
2. Farmland	RCONK188	0	13.b.2.
3. 1-4 family residential properties	RCONK189	0	13.b.3.
4. Multifamily (5 or more) residential properties	RCONK190	0	13.b.4.
5. Nonfarm nonresidential properties	RCONK191	0	13.b.5.
6. Not applicable			13.b.6.
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	0	13.b.7.
c. Debt securities (included in Schedule RC, items 2.a and 2.b)	RCONJ461	0	13.c.
d. Other assets (exclude FDIC loss-sharing indemnification assets)	RCONJ462	0	13.d.
14. Captive insurance and reinsurance subsidiaries:			14.
a. Total assets of captive insurance subsidiaries	RCONK193	0	14.a.
b. Total assets of captive reinsurance subsidiaries	RCONK194	0	14.b.

(TEXT4087) www.capitalsourcebank.com


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		34

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.a.

RCONF172

RCONF174

RCONF176

1. 1-4 family residential construction loans

1.a.1.

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

RCONF173

RCONF175

RCONF177

1.a.2.

RCON3493

RCON3494

RCON3495

b. Secured by farmland

1.b.

c. Secured by 1-4 family residential properties:

1.c.

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

RCON5398

RCON5399

RCON5400

1.c.1.

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

1.c.2.

RCONC236

RCONC237

RCONC229

a. Secured by first liens

1.c.2.a.

RCONC238

RCONC239

RCONC230

b. Secured by junior liens

1.c.2.b.

RCON3499

RCON3500

RCON3501

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

703

1,703

1.d.

e. Secured by nonfarm nonresidential properties:

1.e.

1. Loans secured by owner-occupied nonfarm nonresidential properties

RCONF178

RCONF180

RCONF182

2,134

11,169

1.e.1.

RCONF179

RCONF181

RCONF183

2. Loans secured by other nonfarm nonresidential properties

5,095

56,637

1.e.2.

RCONB834

RCONB835

RCONB836

2. Loans to depository institutions and acceptances of other banks

3. Not applicable

RCON1606

RCON1607

RCON1608

4. Commercial and industrial loans

16,729

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

RCONB575

RCONB576

RCONB577

a. Credit cards

5.a.

RCONK213

RCONK214

RCONK215

b. Automobile loans

5.b.

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

RCONK216

RCONK217

RCONK218

5.c.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		35

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

RCON5389

RCON5390

RCON5391

6. Loans to foreign governments and official institutions

RCON5459

RCON5460

RCON5461

7. All other loans

32,150

RCON1226

RCON1227

RCON1228

8. Lease financing receivables

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

RCON3505

RCON3506

RCON3507

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, excluding 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 above

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:

11.

a. Loans secured by real estate:

11.a.

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

11.a.1.

RCONK045

RCONK046

RCONK047

a. 1-4 family residential construction loans

11.a.1.a.

b. Other construction loans and all land development and other land loans

RCONK048

RCONK049

RCONK050

11.a.1.b.

RCONK051

RCONK052

RCONK053

2. Secured by farmland

11.a.2.

3. Secured by 1-4 family residential properties:

11.a.3.

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:

11.a.3.b.

RCONK057

RCONK058

RCONK059

1. Secured by first liens

11.a.3.b.1.

RCONK060

RCONK061

RCONK062

2. Secured by junior liens

11.a.3.b.2.

RCONK063

RCONK064

RCONK065

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

11.a.4.

5. Secured by nonfarm nonresidential properties:

11.a.5.

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.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		36

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

b. Not applicable

11.b.

RCONK075

RCONK076

RCONK077

c. Commercial and industrial loans

11.c.

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

11.d.

RCONK078

RCONK079

RCONK080

1. Credit cards

11.d.1.

RCONK081

RCONK082

RCONK083

2. Automobile loans

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.

RCONK087

RCONK088

RCONK089

e. All other loans and all leases

11.e.

1. Loans to depository institutions and acceptances of other banks

RCONK091

RCONK092

RCONK093

11.e.1.

RCONK095

RCONK096

RCONK097

2. Loans to foreign governments and official institutions

11.e.2.

RCONK099

RCONK100

RCONK101

3. Other loans

11.e.3.

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.

RCONK269

RCONK271

RCONK272

4. Lease financing receivables

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. 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):

M.1.

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

M.1.a.

RCONK105

RCONK106

RCONK107

1. 1-4 family residential construction loans

M.1.a.1.

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

RCONK108

RCONK109

RCONK110

M.1.a.2.

RCONF661

RCONF662

RCONF663

b. Loans secured by 1-4 family residential properties

M.1.b.

RCONK111

RCONK112

RCONK113

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

1,049

M.1.c.

d. Secured by nonfarm nonresidential properties:

M.1.d.

1. Loans secured by owner-occupied nonfarm nonresidential properties

RCONK114

RCONK115

RCONK116

M.1.d.1.

RCONK117

RCONK118

RCONK119

2. Loans secured by other nonfarm nonresidential properties

47,814

M.1.d.2.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		37

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

RCONK257

RCONK258

RCONK259

e. Commercial and industrial loans

8,027

M.1.e.

1. To U.S. addressees (domicile)

RCONK120

RCONK121

RCONK122

8,027

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

RCONK127

RCONK128

M.1.f.

1. Loans secured by farmland

RCONK130

RCONK131

RCONK132

M.1.f.1.

2. Loans to depository institutions and acceptances of other banks

RCONK134

RCONK135

RCONK136

M.1.f.2.

3. Not applicable

M.1.f.3.

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

M.1.f.4.

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

RCONK286

RCONK287

RCONK288

M.1.f.6.

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.

3. Not available

M.3.

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.

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, above):

M.5.

a. Loans and leases held for sale

RCONC240

RCONC241

RCONC226

M.5.a.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		38

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

b. Loans measured at fair value:

M.5.b.

1. Fair value

RCONF664

RCONF665

RCONF666

M.5.b.1.

2. Unpaid principal balance

RCONF667

RCONF668

RCONF669

M.5.b.2.

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

Dollar amounts in thousands

(Column A) Past due 30
through 89 days

(Column B) Past due 90
days or more

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

RCON3529

RCON3530

M.6.

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


Dollar amounts in thousands
7. Additions to nonaccrual assets during the quarter	RCONC410	42,924	M.7.
8. Nonaccrual assets sold during the quarter	RCONC411	0	M.8.

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


Dollar amounts in thousands
1. Total deposit liabilities before exclusions (gross) as defined in Section 3(l) of the Federal Deposit Insurance Act and FDIC regulations	RCONF236	5,137,831	1.
2. Total allowable exclusions, including interest accrued and unpaid on allowable exclusions	RCONF237	0	2.
3. Not applicable			3.
4. Average consolidated total assets	RCONK652	6,608,105	4.
a. Averaging method used (for daily averaging, enter 1; for weekly averaging, enter 2)	RCONK653	1	4.a.
5. Average tangible equity	RCONK654	869,615	5.
6. Holdings of long-term unsecured debt issued by other FDIC-insured depository institutions	RCONK655	0	6.
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):			7.
a. One year or less	RCONG465	0	7.a.
b. Over one year through three years	RCONG466	0	7.b.
c. Over three years through five years	RCONG467	0	7.c.
d. Over five years	RCONG468	0	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):			8.
a. One year or less	RCONG469	0	8.a.
b. Over one year through three years	RCONG470	0	8.b.
c. Over three years through five years	RCONG471	0	8.c.
d. Over five years	RCONG472	0	8.d.
9. Reciprocal brokered deposits (included in Schedule RC-E, part I, Memorandum item 1.b)	RCONG803	0	9.
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? If the answer to item 10 is “YES,” complete items 10.a and 10.b	RCONK656	No	10.
a. Banker’s bank deduction	RCONK657	NR	10.a.
b. Banker’s bank deduction limit	RCONK658	NR	10.b.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		39


Dollar amounts in thousands
11. Custodial bank certification: Does the reporting institution meet the definition of a custodial bank set forth in FDIC regulations? If the answer to item 11 is “YES,” complete items 11.a and 11.b	RCONK659	No	11.
a. Custodial bank deduction	RCONK660	NR	11.a.
b. Custodial bank deduction limit	RCONK661	NR	11.b.
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):			M.1.
a. Deposit accounts (excluding retirement accounts) of $250,000 or less:			M.1.a.
1. Amount of deposit accounts (excluding retirement accounts) of $250,000 or less	RCONF049	3,997,924	M.1.a.1.
2. Number of deposit accounts (excluding retirement accounts) of $250,000 or less	RCONF050	76740	M.1.a.2.
b. Deposit accounts (excluding retirement accounts) of more than $250,000:			M.1.b.
1. Amount of deposit accounts (excluding retirement accounts) of more than $250,000	RCONF051	727,912	M.1.b.1.
2. Number of deposit accounts (excluding retirement accounts) of more than $250,000	RCONF052	1709	M.1.b.2.
c. Retirement deposit accounts of $250,000 or less:			M.1.c.
1. Amount of retirement deposit accounts of $250,000 or less	RCONF045	396,836	M.1.c.1.
2. Number of retirement deposit accounts of $250,000 or less	RCONF046	10862	M.1.c.2.
d. Retirement deposit accounts of more than $250,000:			M.1.d.
1. Amount of retirement deposit accounts of more than $250,000	RCONF047	15,159	M.1.d.1.
2. Number of retirement deposit accounts of more than $250,000	RCONF048	49	M.1.d.2.
2. Estimated amount of uninsured deposits, including related interest accrued and unpaid (see instructions)	RCON5597	422,358	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:			M.3.
a. Legal title	TEXTA545		M.3.a.
b. FDIC Certificate Number	RCONA545	0	M.3.b.
4. Not applicable			M.4.
5. Noninterest-bearing transaction accounts (as defined in Section 343 of the Dodd-Frank Act) of more than $250,000 (see instructions):			M.5.
a. Amount of noninterest-bearing transaction accounts of more than $250,000	RCONJ944	4,758	M.5.a.
b. Number of noninterest-bearing transaction accounts of more than $250,000	RCONJ945	2	M.5.b.
6. Criticized and classified items:			M.6.
a. Special mention	RCONK663	CONF	M.6.a.
b. Substandard	RCONK664	CONF	M.6.b.
c. Doubtful	RCONK665	CONF	M.6.c.
d. Loss	RCONK666	CONF	M.6.d.
7. “Nontraditional 1-4 family residential mortgage loans” as defined for assessment purposes only in FDIC regulations	RCONK675	CONF	M.7.
8. “Subprime consumer loans” as defined for assessment purposes only in FDIC regulations	RCONK667	CONF	M.8.
9. “Leveraged loans and securities” as defined for assessment purposes only in FDIC regulations	RCONK668	CONF	M.9.
10. Commitments to fund construction, land development, and other land loans secured by real estate:			M.10.
a. Total unfunded commitments	RCONK676	NR	M.10.a.
b. Portion of unfunded commitments guaranteed or insured by the U.S. government (including the FDIC)	RCONK677	NR	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	NR	M.11.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		40


Dollar amounts in thousands
12. Nonbrokered time deposits of more than $250,000 (included in Schedule RC-E, Memorandum item 2.d)	RCONK678	NR	M.12.
13. Portion of funded loans guaranteed or insured by the U.S. government (excluding FDIC loss-sharing agreements):			M.13.
a. Construction, land development, and other land loans secured by real estate	RCONK679	NR	M.13.a.
b. Loans secured by multifamily residential and nonfarm nonresidential properties	RCONK680	NR	M.13.b.
c. Closed-end loans secured by first liens on 1-4 family residential properties	RCONK681	NR	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	NR	M.13.d.
e. Commercial and industrial loans	RCONK670	NR	M.13.e.
f. Credit card loans to individuals for household, family, and other personal expenditures.	RCONK671	NR	M.13.f.
g. Other consumer loans (includes other revolving credit plans, automobile loans, single payment, installment, and all student loans)	RCONK672	NR	M.13.g.
14. Amount of the institution’s largest counterparty exposure	RCONK673	CONF	M.14.
15. Total amount of the institution’s 20 largest counterparty exposures	RCONK674	CONF	M.15.

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


Dollar amounts in thousands
1. Retail originations during the quarter of 1-4 family residential mortgage loans for sale:			1.
a. Closed-end first liens	RCONF066	0	1.a.
b. Closed-end junior liens	RCONF067	0	1.b.
c. Open-end loans extended under lines of credit:			1.c.
1. Total commitment under the lines of credit	RCONF670	0	1.c.1.
2. Principal amount funded under the lines of credit	RCONF671	0	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	0	2.a.
b. Closed-end junior liens	RCONF069	0	2.b.
c. Open-end loans extended under lines of credit:			2.c.
1. Total commitment under the lines of credit	RCONF672	0	2.c.1.
2. Principal amount funded under the lines of credit	RCONF673	0	2.c.2.
3. 1-4 family residential mortgages sold during the quarter:			3.
a. Closed-end first liens	RCONF070	0	3.a.
b. Closed-end junior liens	RCONF071	0	3.b.
c. Open-end loans extended under lines of credit:			3.c.
1. Total commitment under the lines of credit	RCONF674	0	3.c.1.
2. Principal amount funded under the lines of credit	RCONF675	0	3.c.2.
4. 1-4 family residential mortgages held for sale at quarter-end (included in Schedule RC,item 4.a):			4.
a. Closed-end first liens	RCONF072	0	4.a.
b. Closed-end junior liens	RCONF073	0	4.b.
c. Open-end loans extended under lines of credit:			4.c.
1. Total commitment under the lines of credit	RCONF676	0	4.c.1.
2. Principal amount funded under the lines of credit	RCONF677	0	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.f, 5.g, and 5.i):			5.
a. Closed-end 1-4 family residential mortgage loans	RIADF184	0	5.a.
b. Open-end 1-4 family residential mortgage loans extended under lines of credit	RIADF560	0	5.b.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		41


Dollar amounts in thousands
6. Repurchases and indemnifications of 1-4 family residential mortgage loans during the quarter:			6.
a. Closed-end first liens	RCONF678	0	6.a.
b. Closed-end junior liens	RCONF679	0	6.b
c. Open-end loans extended under line of credit:			6.c.
1. Total commitment under the lines of credit	RCONF680	0	6.c.1.
2. Principal amount funded under the lines of credit	RCONF681	0	6.c.2.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		42

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


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
1. Available-for-sale securities		RCON1773		RCONG474		RCONG475		RCONG476		RCONG477
1. Available-for-sale securities		1,159,136		0		0		1,159,136		0	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
3. Loans and leases held for sale		0		0		0		0		0	3.
4. Loans and leases held for investment		RCONG488		RCONG489		RCONG490		RCONG491		RCONG492
4. Loans and leases held for investment		0		0		0		0		0	4.

5. Trading assets:											5.
a. Derivative assets		RCON3543		RCONG493		RCONG494		RCONG495		RCONG496
a. Derivative assets		0		0		0		0		0	5.a.
b. Other trading assets		RCONG497		RCONG498		RCONG499		RCONG500		RCONG501
b. Other trading assets		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
6. All other assets		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
		1,159,136		0		0		1,159,136		0	7.
8. Deposits		RCONF252		RCONF686		RCONF694		RCONF253		RCONF254
8. Deposits		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:											10.
a. Derivative liabilities		RCON3547		RCONG512		RCONG513		RCONG514		RCONG515
a. Derivative liabilities		0		0		0		0		0	10.a.
b. Other trading liabilities		RCONG516		RCONG517		RCONG518		RCONG519		RCONG520
b. Other trading liabilities		0		0		0		0		0	10.b.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		43


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
11. Other borrowed money		RCONG521		RCONG522		RCONG523		RCONG524		RCONG525
11. Other borrowed money		0		0		0		0		0	11.
12. Subordinated notes and debentures		RCONG526		RCONG527		RCONG528		RCONG529		RCONG530
12. Subordinated notes and debentures		0		0		0		0		0	12.
13. All other liabilities		RCONG805		RCONG806		RCONG807		RCONG808		RCONG809
13. All other liabilities		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.
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):											M.1.
a. Mortgage servicing assets		RCONG536		RCONG537		RCONG538		RCONG539		RCONG540
a. Mortgage servicing assets		0		0		0		0		0	M.1.a.
b. Nontrading derivative assets		RCONG541		RCONG542		RCONG543		RCONG544		RCONG545
b. Nontrading derivative assets		0		0		0		0		0	M.1.b.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		44

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


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		45

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

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

2. Amount of component

RCONG546

RCONG547

RCONG548

RCONG549

RCONG550

M.1.c.2


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		46

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


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		47

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

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

2. Amount of component

RCONG551

RCONG552

RCONG553

RCONG554

RCONG555

M.1.d.2


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		48

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


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		49

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

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

2. Amount of component

RCONG556

RCONG557

RCONG558

RCONG559

RCONG560

M.1.e.2.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		50

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


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		51

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

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

2. Amount of component

RCONG561

RCONG562

RCONG563

RCONG564

RCONG565

M.1.f.2.

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):

M.2.

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.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		52

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


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		53

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

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

2. Amount of component

RCONG571

RCONG572

RCONG573

RCONG574

RCONG575

M.2.c.2.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		54

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


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		55

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

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

2. Amount of component

RCONG576

RCONG577

RCONG578

RCONG579

RCONG580

M.2.d.2.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		56

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


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		57

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

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

2. Amount of component

RCONG581

RCONG582

RCONG583

RCONG584

RCONG585

M.2.e.2.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		58

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


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		59

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

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

2. Amount of component

RCONG586

RCONG587

RCONG588

RCONG589

RCONG590

M.2.f.2.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		60

Schedule RC-R - Regulatory Capital


Dollar amounts in thousands
1. Total bank equity capital (from Schedule RC, item 27.a)	RCON3210	1,050,303	1.
2. Net unrealized gains (losses) on available-for-sale securities	RCON8434	15,630	2.
3. Net unrealized loss on available-for-sale equity securities	RCONA221	0	3.
4. Accumulated net gains (losses) on cash flow hedges	RCON4336	0	4.
5. Nonqualifying perpetual preferred stock	RCONB588	0	5.
6. Qualifying noncontrolling (minority) interests in consolidated subsidiaries	RCONB589	0	6.
7. Not available			7.
a. Disallowed goodwill and other disallowed intangible assets	RCONB590	156,927	7.a.
b. 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 creditworthiness	RCONF264	0	7.b.
8. Subtotal	RCONC227	877,746	8.
9. Not available			9.
a. Disallowed servicing assets and purchased credit card relationships	RCONB591	0	9.a.
b. Disallowed deferred tax assets	RCON5610	0	9.b.
10. Other additions to (deductions from) Tier 1 capital	RCONB592	0	10.
11. Tier 1 capital	RCON8274	877,746	11.
12. Qualifying subordinated debt and redeemable preferred stock	RCON5306	0	12.
13. Cumulative perpetual preferred stock includible in Tier 2 capital	RCONB593	0	13.
14. Allowance for loan and lease losses includible in Tier 2 capital	RCON5310	68,232	14.
15. Unrealized gains on available-for-sale equity securities includible in Tier 2 capital	RCON2221	0	15.
16. Other Tier 2 capital components	RCONB594	0	16.
17. Tier 2 capital	RCON5311	68,232	17.
18. Allowable Tier 2 capital	RCON8275	68,232	18.
19. Tier 3 capital allocated for market risk	RCON1395	0	19.
20. Deductions for total risk-based capital	RCONB595	0	20.
21. Total risk-based capital	RCON3792	945,978	21.
22. Average total assets (from Schedule RC-K, item 9)	RCON3368	6,608,105	22.
23. Disallowed goodwill and other disallowed intangible assets (from item 7 above)	RCONB590	156,927	23.
24. Disallowed servicing assets and purchased credit card relationships (from item 9.a above)	RCONB591	0	24.
25. Disallowed deferred tax assets (from item 9.b above)	RCON5610	0	25.
26. Other deductions from assets for leverage capital purposes	RCONB596	0	26.
27. Average total assets for leverage capital purposes	RCONA224	6,451,178	27.
28. Not available			28.
a. Adjustment to Tier 1 capital reported in item 11	RCONC228	0	28.a.
b. Adjustment to total risk-based capital reported in item 21	RCONB503	0	28.b.
29. Adjustment to risk-weighted assets reported in item 62	RCONB504	0	29.
30. Adjustment to average total assets reported in item 27	RCONB505	0	30.

Schedule RC-R - Regulatory Capital

Dollar amounts in thousands

(Column A) Percentage
(Banks with Financial
Subsidiaries)

(Column B) Percentage
(All Banks)

31. Tier 1 leverage ratio

RCON7273

0.000000

RCON7204

0.136060

31.

32. Tier 1 risk-based capital ratio

RCON7274

0.000000

RCON7206

0.161690

32.

33. Total risk-based capital ratio

RCON7275

0.000000

RCON7205

0.174259

33.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		61

Schedule RC-R - Regulatory Capital

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 dues from depository institutions

RCON0010

RCONC869

RCONB600

RCONB601

RCONB602

277,459

277,355

104

34.

35. Held-to-maturity securities

RCON1754

RCONB603

RCONB604

RCONB605

RCONB606

RCONB607

151,686

35.

36. Available-for-sale securities

RCON1773

RCONB608

RCONB609

RCONB610

RCONB611

RCONB612

1,159,136

20,975

509,096

590,914

10,289

27,862

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

RCONB617

RCONB618

RCONB619

RCONB620

RCONB621

129,946

38.

39. Loans and leases, net of unearned income

RCONB528

RCONB622

RCONB623

RCONB624

RCONB625

RCONB626

4,734,470

50,987

104,162

326,018

4,253,303

39.

40. Allowance for loan and lease losses

RCON3123

94,650

40.

41. Trading Assets

RCON3545

RCONB627

RCONB628

RCONB629

RCONB630

RCONB631

41.

42. All other assets

RCONB639

RCONB640

RCONB641

RCONB642

RCONB643

RCON5339

425,551

173,302

10,787

64,756

176,706

42.

43. Total Assets

RCON2170

RCONB644

RCON5320

RCON5327

RCON5334

RCON5340

6,783,598

99,627

848,225

911,622

336,307

4,587,817

43.

Schedule RC-R - Regulatory Capital

Dollar amounts in thousands

(Column A)
Face Value or
Notional
Amount

(Column B)
Credit
Equivalent
Amount

(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

RCONB547

RCONB548

RCONB581

RCONB582

RCONB583

93,526

44.

45. Performance standby letters of credit

RCON3821

RCONB650

RCONB651

RCONB652

RCONB653

RCONB654

45.

46. Commercial and similar letters of credit

RCON3411

RCONB655

RCONB656

RCONB657

RCONB658

RCONB659

46.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		62

Dollar amounts in thousands

(Column A)
Face Value or
Notional
Amount

(Column B)
Credit
Equivalent
Amount

(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%

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

RCON3429

RCONB660

RCONB661

RCONB662

RCONB663

47.

48. Securities lent

RCON3433

RCONB664

RCONB665

RCONB666

RCONB667

RCONB668

48.

49. Retained recourse on small business obligations sold with recourse

RCONA250

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

RCONB542

RCONB543

50.

51. All other financial assets sold with recourse

RCONB675

RCONB676

RCONB677

RCONB678

RCONB679

RCONB680

51.

52. All other off-balance sheet liabilities

RCONB681

RCONB682

RCONB683

RCONB684

RCONB685

RCONB686

52.

53. Unused commitments:

53.

a. With an original maturity exceeding one year

RCON3833

RCONB687

RCONB688

RCONB689

RCONB690

RCONB691

852,002

426,001

53.a.

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

RCONG591

RCONG592

RCONG593

RCONG594

RCONG595

RCONG596

53.b.

54. Derivative contracts

RCONA167

RCONB693

RCONB694

RCONB695

1,464

54.

55. Total assets, derivatives, and off-balance sheet items by risk weight category

RCONB696

RCONB697

RCONB698

RCONB699

848,225

911,622

337,771

5,107,344

55.

56. Risk weight factor

56.

57. Risk-weighted assets by risk weight category

RCONB700

RCONB701

RCONB702

RCONB703

182,324

168,886

5,107,344

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

RCONB704

5,458,554

59.

60. Excess allowance for loan and lease losses

RCONA222

29,992

60.

61. Allocated transfer risk reserve

RCON3128

61.

62. Total risk-weighted assets

RCONA223

5,428,562

62.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		63

Schedule RC-R - Regulatory Capital


Dollar amounts in thousands
1. Current credit exposure across all derivative contracts covered by the risk-based capital standards	RCON8764	167	M.1.

Schedule RC-R - Regulatory Capital

Dollar amounts in thousands

(Column A) With
a remaining
maturity of one
year or 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:

M.2.

a. Interest rate contracts

RCON3809

RCON8766

RCON8767

M.2.a.

b. Foreign exchange contracts

RCON3812

RCON8769

RCON8770

25,946

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:

M.2.g.

1. Investment grade

RCONG597

RCONG598

RCONG599

M.2.g.1.

2. Subinvestment grade

RCONG600

RCONG601

RCONG602

M.2.g.2.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		64

Schedule RC-S - Servicing Securitization and Asset Sale 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
		0		0		0		0		0		0		0	1.
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:															2.
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
		0		0		0		0		0		0		0	2.a.
b. Subordinated securities and other residual interests		RCONC393		RCONC394		RCONC395		RCONC396		RCONC397		RCONC398		RCONC399
b. Subordinated securities and other residual interests		0		0		0		0		0		0		0	2.b.
c. Standby letters of credit and other enhancements		RCONC400		RCONC401		RCONC402		RCONC403		RCONC404		RCONC405		RCONC406
c. Standby letters of credit and other enhancements		0		0		0		0		0		0		0	2.c.
3. Reporting bank’s unused commitments to provide liquidity to structures reported in item 1		RCONB726		RCONB727		RCONB728		RCONB729		RCONB730		RCONB731		RCONB732
		0		0		0		0		0		0		0	3.

4. Past due loan amounts included in item 1:															4.
a. 30-89 days past due		RCONB733		RCONB734		RCONB735		RCONB736		RCONB737		RCONB738		RCONB739
a. 30-89 days past due		0		0		0		0		0		0		0	4.a.
b. 90 days or more past due		RCONB740		RCONB741		RCONB742		RCONB743		RCONB744		RCONB745		RCONB746
b. 90 days or more past due		0		0		0		0		0		0		0	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):															5.
a. Charge-offs		RIADB747		RIADB748		RIADB749		RIADB750		RIADB751		RIADB752		RIADB753
a. Charge-offs		0		0		0		0		0		0		0	5.a.
b. Recoveries		RIADB754		RIADB755		RIADB756		RIADB757		RIADB758		RIADB759		RIADB760
b. Recoveries		0		0		0		0		0		0		0	5.b.

6. Amount of ownership (or seller’s) interests carried as:															6.
a. Securities (included in Schedule RC-B or in Schedule RC, item 5)				RCONB761		RCONB762						RCONB763
				0		0						0			6.a.
b. Loans (included in Schedule RC-C)				RCONB500		RCONB501						RCONB502
b. Loans (included in Schedule RC-C)				0		0						0			6.b.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		65


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
7. Past due loan amounts included in interests reported in item 6.a:															7.
a. 30-89 days past due				RCONB764		RCONB765						RCONB766
a. 30-89 days past due				0		0						0			7.a.
b. 90 days or more past due				RCONB767		RCONB768						RCONB769
b. 90 days or more past due				0		0						0			7.b.
8. Charge-offs and recoveries on loan amounts included in interests reported in item 6.a (calendar year-to-date):															8.
a. Charge-offs				RIADB770		RIADB771						RIADB772
a. Charge-offs				0		0						0			8.a.
b. Recoveries				RIADB773		RIADB774						RIADB775
b. Recoveries				0		0						0			8.b.
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
		0		0		0		0		0		0		0	9.
10. Reporting bank’s unused commitments to provide liquidity to other institutions’ securitization structures		RCONB783		RCONB784		RCONB785		RCONB786		RCONB787		RCONB788		RCONB789
		0		0		0		0		0		0		0	10.
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
		0		0		0		0		0		0		0	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
		0		0		0		0		0		0		0	12.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		66

Schedule RC-S - Servicing Securitization and Asset Sale Activities


Dollar amounts in thousands
1. Small business obligations transferred with recourse under Section 208 of the Riegle Community Development and Regulatory Improvement Act of 1994:			M.1.
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):			M.2.
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	0	M.2.b.
c. Other financial assets (includes home equity lines)	RCONA591	2,461,675	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:			M.3.
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:			M.3.a.
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:			M.3.b.
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, column C	RCONC407	NR	M.4.

Schedule RC-T - Fiduciary and Related Services


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


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		67

Schedule RC-T - Fiduciary and Related Services

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

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

a. Employee benefit - defined contribution

RCONB872

RCONB873

RCONB874

RCONB875

5.a.

b. Employee benefit - defined benefit

RCONB876

RCONB877

RCONB878

RCONB879

5.b.

c. Other employee benefit and retirement-related accounts

RCONB880

RCONB881

RCONB882

RCONB883

5.c.

6. Corporate trust and agency accounts

RCONB884

RCONB885

RCONC001

RCONC002

7. Investment management and investment advisory agency accounts

RCONB886

RCONJ253

RCONB888

RCONJ254

8. Foundation and endowment trust and agency accounts

RCONJ255

RCONJ256

RCONJ257

RCONJ258

9. Other fiduciary accounts

RCONB890

RCONB891

RCONB892

RCONB893

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

RCONB894

RCONB895

RCONB896

RCONB897

10.

11. Custody and safekeeping accounts

RCONB898

RCONB899

11.

12. Not applicable

12.

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

RCONJ259

RCONJ260

RCONJ261

RCONJ262

13.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		68

Schedule RC-T - Fiduciary and Related Services


Dollar amounts in thousands
14. Personal trust and agency accounts	RIADB904	NR	14.
15. Employee benefit and retirement-related trust and agency accounts:			15.
a. Employee benefit - defined contribution	RIADB905	NR	15.a.
b. Employee benefit - defined benefit	RIADB906	NR	15.b.
c. Other employee benefit and retirement-related accounts	RIADB907	NR	15.c.
16. Corporate trust and agency accounts	RIADA479	NR	16.
17. Investment management and investment advisory agency accounts	RIADJ315	NR	17.
18. Foundation and endowment trust and agency accounts	RIADJ316	NR	18.
19. Other fiduciary accounts	RIADA480	NR	19.
20. Custody and safekeeping accounts	RIADB909	NR	20.
21. Other fiduciary and related services income	RIADB910	NR	21.
22. Total gross fiduciary and related services income (sum of items 14 through 21) (must equal Schedule RI, item 5.a)	RIAD4070	0	22.
23. Less: Expenses	RIADC058	NR	23.
24. Less: Net losses from fiduciary and related services	RIADA488	NR	24.
25. Plus: Intracompany income credits for fiduciary and related services	RIADB911	NR	25.
26. Net fiduciary and related services income	RIADA491	NR	26.

Schedule RC-T - Fiduciary and Related Services

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:

M.1.

a. Noninterest-bearing deposits

RCONJ263

RCONJ264

RCONJ265

M.1.a.

b. Interest-bearing deposits

RCONJ266

RCONJ267

RCONJ268

M.1.b.

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

RCONJ269

RCONJ270

RCONJ271

M.1.c.

d. State, county, and municipal obligations

RCONJ272

RCONJ273

RCONJ274

M.1.d.

e. Money market mutual funds

RCONJ275

RCONJ276

RCONJ277

M.1.e.

f. Equity mutual funds

RCONJ278

RCONJ279

RCONJ280

M.1.f.

g. Other mutual funds

RCONJ281

RCONJ282

RCONJ283

M.1.g.

h. Common trust funds and collective investment funds

RCONJ284

RCONJ285

RCONJ286

M.1.h.

i. Other short-term obligations

RCONJ287

RCONJ288

RCONJ289

M.1.i.

j. Other notes and bonds

RCONJ290

RCONJ291

RCONJ292

M.1.j.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		69

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

k. Investments in unregistered funds and private equity investments

RCONJ293

RCONJ294

RCONJ295

M.1.k.

l. Other common and preferred stocks

RCONJ296

RCONJ297

RCONJ298

M.1.l.

m. Real estate mortgages

RCONJ299

RCONJ300

RCONJ301

M.1.m.

n. Real estate

RCONJ302

RCONJ303

RCONJ304

M.1.n.

o. Miscellaneous assets

RCONJ305

RCONJ306

RCONJ307

M.1.o.

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

RCONJ308

RCONJ309

RCONJ310

M.1.p.

Schedule RC-T - Fiduciary and Related Services

Dollar amounts in thousands

(Column A) Managed
Assets

(Column B) Number of
Managed Accounts

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

RCONJ311

RCONJ312

M.1.q.

Schedule RC-T - Fiduciary and Related Services

Dollar amounts in thousands

(Column A) Number of
Issues

(Column B) Principal
Amount Outstanding

2. Corporate trust and agency accounts:

M.2.

a. Corporate and municipal trusteeships

RCONB927

RCONB928

M.2.a.

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

RCONJ313

RCONJ314

M.2.a.1.

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

RCONB929

M.2.b.

Schedule RC-T - Fiduciary and Related Services

Dollar amounts in thousands

(Column A) Number of
Funds

(Column B) Market Value
of Fund Assets

3. Collective investment funds and common trust funds:

M.3.

a. Domestic equity

RCONB931

RCONB932

M.3.a.

b. International/Global equity

RCONB933

RCONB934

M.3.b.

c. Stock/Bond blend

RCONB935

RCONB936

M.3.c.

d. Taxable bond

RCONB937

RCONB938

M.3.d.

e. Municipal bond

RCONB939

RCONB940

M.3.e.

f. Short term investments/Money market

RCONB941

RCONB942

M.3.f.

g. Specialty/Other

RCONB943

RCONB944

M.3.g.

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

RCONB945

RCONB946

M.3.h.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		70

Schedule RC-T - Fiduciary and Related Services

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:

M.4.

a. Personal trust and agency accounts

RIADB947

RIADB948

RIADB949

M.4.a.

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

RIADB950

RIADB951

RIADB952

M.4.b.

c. Investment management agency accounts

RIADB953

RIADB954

RIADB955

M.4.c.

d. Other fiduciary accounts and related services

RIADB956

RIADB957

RIADB958

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

RIADB960

RIADB961

M.4.e.

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.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		71

Dollar amounts in thousands

(Column A)
Securitization
Vehicles

(Column B)
ABCP Conduits

(Column C)
Other VIEs

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

General Instructions


Dollar amounts in thousands
1. Who Must Report on What Forms		1.
a. Close of Business		1.a.
b. Frequency of Reporting		1.b.
c. Differences in Detail of Reports		1.c.
d. Shifts in Reporting Status		1.d.
2. Organization of the Instruction Books		2.
3. Preparation of the Reports		3.
4. Signatures		4.
a. Officer Declaration		4.a.
b. Director Attestation		4.b.
5. Submission of the Reports		5.
a. Submission Date		5.a.
b. Amended Reports		5.b.
6. Retention of Reports		6.
7. Scope of the “Consolidated Bank” Required to be Reported in the Submitted Reports		7.
a. Exclusions from the Coverage of the Consolidated Report		7.a.
8. Rules of Consolidation		8.
9. Reporting by Type of Office (For banks with foreign offices)		9.
10. Publication Requirements for the Report of Condition		10.
11. Release of Individual Bank Reports		11.
12. Applicability of Generally Accepted Accounting Principles to Regulatory Reporting Requirements		12.
13. Accrual Basis Reporting		13.
14. Miscellaneous General Instructions		14.
a. Rounding		14.a.
b. Negative Entries		14.b.
c. Verification		14.c.
d. Transactions Occurring Near the End of a Reporting Period		14.d.
15. Separate Branch Reports		15.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		72

Glossary


Dollar amounts in thousands
1. Glossary		1.
2. Acceptances		2.
3. Accounting Changes		3.
4. Accounting Errors, Corrections of		4.
5. Accounting Estimates, Changes in		5.
6. Accounting Principles, Changes in		6.
7. Accrued Interest Receivable Related to Credit Card Securitizations		7.
8. Acquisition, Development, or Construction (ADC) Arrangements		8.
9. Agreement Corporation		9.
10. Allowance for Loan and Lease Losses		10.
11. Applicable Income Taxes		11.
12. Associated Company		12.
13. ATS Account		13.
14. Bankers Acceptances		14.
a. Bank-Owned Life Insurance		14.a.
15. Banks, U.S. and Foreign		15.
16. Banks in Foreign Countries		16.
17. Bill-of-Lading Draft		17.
18. Borrowings and Deposits in Foreign Offices		18.
19. Brokered Deposits		19.
20. Broker’s Security Draft		20.
21. Business Combinations		21.
22. Call Option		22.
23. Capitalization of Interest Costs		23.
24. Carrybacks and Carryforwards		24.
25. Cash Management Arrangements		25.
26. Certificate of Deposit		26.
27. Changes in Accounting Estimates		27.
28. Changes in Accounting Principles		28.
29. Clearing Accounts		29.
30. Commercial Banks in the U.S.		30.
31. Commercial Letter of Credit		31.
32. Commercial Paper		32.
33. Commodity or Bill-of-Lading Draft		33.
34. Common Stock of Unconsolidated Subsidaries, Investments in		34.
35. Continuing Contract		35.
36. Corporate Joint Venture		36.
37. Corrections of Accounting Errors		37.
38. Coupon Stripping, Treasury Receipts, and STRIPS		38.
39. Custody Account		39.
40. Dealer Reserve Account		40.
a. Deferred Compensation Agreements		40.a.
41. Deferred Income Taxes		41.
42. Demand Deposits		42.
43. Depository Institutions in the U.S.		43.
44. Deposits		44.
45. Derivative Contracts		45.
a. Discounts		45.a.
46. Dividends		46.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		73


Dollar amounts in thousands
47. Domestic Office		47.
48. Domicile		48.
49. Due Bills		49.
50. Edge and Agreement Corporation		50.
a. Equity-Indexed Certificates of Deposit		50.a.
51. Equity Method of Accounting		51.
52. Extinguishments of Liabilities		52.
53. Extraordinary Items		53.
54. Fails		54.
a. Fair Value		54.a.
55. Federal Funds Transactions		55.
56. Federally-Sponsored Lending Agency		56.
57. Fees, Loan		57.
58. Foreclosed Assets		58.
59. Foreign Banks		59.
60. Foreign Currency Transactions and Translation		60.
61. Foreign Debt Exchange Transactions		61.
62. Foreign Governments and Official Institutions		62.
63. Foreign Office		63.
64. Forward Contracts		64.
65. Functional Currency		65.
66. Futures Contracts		66.
67. Goodwill		67.
68. Hypothecated Deposit		68.
69. IBF		69.
70. Income Taxes		70.
71. Intangible Assets		71.
72. Interest-Bearing Account		72.
73. Interest Capitalization		73.
74. Interest Rate Swaps		74.
75. Internal-Use Computer Software		75.
76. International Banking Facility (IBF)		76.
77. Interoffice Accounts		77.
78. Investments in Common Stock of Unconsolidated Subsidiaries		78.
79. Joint Venture		79.
80. Lease Accounting		80.
81. Letter of Credit		81.
82. Limited-Life Preferred Stock		82.
83. Loan		83.
84. Loan Fees		84.
85. Loan Impairment		85.
86. Loan Secured by Real Estate		86.
87. Loss Contingencies		87.
88. Majority-Owned Subsidiary		88.
89. Mandatory Convertible Debt		89.
91. Mergers		91.
92. Money Market Deposit Account (MMDA)		92.
93. Nonaccrual Status		93.
94. Noninterest-Bearing Account		94.
95. Nontransaction Account		95.
96. NOW Account		96.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		74


Dollar amounts in thousands
97. Offsetting		97.
98. One-Day Transaction		98.
99. Option		99.
100. Organization Costs		100.
101. Other Depository Institutions in the U.S.		101.
102. Other Real Estate Owned		102.
103. Overdraft		103.
104. Participations		104.
105. Participations in Acceptances		105.
106. Participations in Pools of Securities		106.
107. Pass-through Reserve Balances		107.
108. Perpetual Preferred Stock		108.
109. Placements and Takings		109.
110. Pooling of Interests		110.
111. Preauthorized Transfer Account		111.
112. Preferred Stock		112.
113. Premiums and Discounts		113.
114. Purchase Acquisition		114.
a. Purchased Impaired Loans and Debt Securities		114.a.
115. Put Option		115.
116. Real Estate ADC Arrangements		116.
117. Real Estate, Loan Secured By		117.
118. Reciprocal Balances		118.
119. Renegotiated Troubled Debt		119.
120. Reorganizations		120.
121. Repurchase/Resale Agreements		121.
122. Reserve Balances, Pass-through		122.
123. Retail Sweep Arrangements		123.
124. Sales of Assets for Risk-Based Capital Purposes		124.
125. Savings Deposits		125.
126. Securities Activities		126.
127. Securities Borrowing/Lending Transactions		127.
128. Securities, Participations in Pools of		128.
129. Servicing Assets and Liabilities		129.
130. Settlement Date Accounting		130.
131. Shell Branches		131.
132. Short Position		132.
133. Significant Subsidary		133.
134. Standby Letter of Credit		134.
135. Start-Up Activities		135.
136. STRIPS		136.
137. Subordinated Notes and Debentures		137.
138. Subsidiaries		138.
139. Suspense Accounts		139.
140. Syndications		140.
141. Telephone Transfer Account		141.
142. Term Federal Funds		142.
143. Time Deposits		143.
144. Trade Date and Settlement Date Accounting		144.
145. Trading Account		145.
146. Transction Account		146.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2011
Last Updated on 1/30/2012		75


Dollar amounts in thousands
147. Transfers of Financial Assets		147.
148. Traveler’s Letter of Credit		148.
149. Treasury Receipts		149.
150. Treasury Stock		150.
151. Troubled Debt Restructurings		151.
152. Trust Preferred Securities		152.
153. U.S. Banks		153.
154. U.S. Territories and Possessions		154.
155. Valuation Allowance		155.
156. When-Issued Securities Transactions		156.

Dollar amounts in thousands

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

1. Describe component