Great Western Bancorp, Inc. - FORM 8-K - EX-99.1

Attached files

file	filename
8-K - FORM 8-K - Great Western Bancorp, Inc.	d811197d8k.htm

Exhibit 99.1


		Board of Governors of the Federal Reserve System		OMB Number: 7100-0036
		Federal Deposit Insurance Corporation		OMB Number: 3064-0052
		Office of the Comptroller of the Currency		OMB Number: 1557-0081
				Approval expires March 31, 2017

Federal Financial Institutions Examination Council

Consolidated Reports of Condition and Income for

A Bank With Domestic Offices Only—FFIEC 041

Report at the close of business September 30, 2014

This report is required by law: 12 U.S.C. Section 324 (State member banks); 12 U.S.C. Section 1817 (State nonmember banks); and 12 U.S.C. Section 161 (National banks); and 12 U.S.C. Section 1464 (Savings associations).

Unless the content indicates otherwise, the term “bank” in this report form refers to both banks and savings associations.

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

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

I, the undersigned CFO (or equivalent) of the named bank, attest that the Reports of Condition and Income (including the supporting schedules) for this

report date have been prepared in conformance with the instructions issued by the appropriate Federal regulatory authority and are true and correct to the best of my knowledge and belief.

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



				Director (Trustee)
Signature of Chief Financial Officer (or Equivalent)

				Director (Trustee)
Date of Signature

				Director (Trustee)


Submission of Reports Each bank must file its Reports of Condition and Income (Call Report) data by either: (a) Using computer software to prepare its Call Report and then submitting the report data directly to the FFIEC’s Central Data Repository (CDR), an Internet-based system for data collection (https://cdr.ffiec.gov/cdr/), or (b) Completing its Call Report in paper form and arranging with a software vendor or another party to convert the data into the electronic format that can be processed by the CDR. The software vendor or other party then must electronically submit the bank’s data file to the CDR. For technical assistance with submissions to the CDR, please contact the CDR Help Desk by telephone at (888) CDR-3111, by fax at (703) 774-3946, or by e-mail at CDR.Help@ffiec.gov.	To fulfill the signature and attestation requirement for the Reports of Condition and Income for this report date, attach your bank’s completed signature page (or a photocopy or a computer-generated version of this page) to the hard-copy record of the data file submitted to the CDR that your bank must place in its files. The appearance of your bank’s hard-copy record of the submitted data file need not match exactly the appearance of the FFIEC’s sample report forms, but should show at least the caption of each Call Report item and the reported amount.

	Great Western Bank
	Legal Title of Bank (RSSD 9017)

	Sioux Falls
	City (RSSD 9130)

FDIC Certificate Number 15289	SD 57104-
(RSSD 9050)	State Abbreviation (RSSD 9200)	Zip Code (RSSD 9220)

The estimated average burden associated with this information collection is 48.3 hours per respondent and is estimated to vary from 18 to 750 hours per response, depending on individual circumstances. Burden estimates include the time for reviewing instructions, gathering and maintaining data in the required form, and completing the information collection, but exclude the time for compiling and maintaining business records in the normal course of a respondent’s activities. A Federal agency may not conduct or sponsor, and an organization (or a person) is not required to respond to a collection of information, unless it displays a currently valid OMB control number. Comments concerning the accuracy of this burden estimate and suggestions for reducing this burden should be directed to the Office of Information and Regulatory Affairs, Office of Management and Budget, Washington, DC 20503, and to one of the following: Secretary, Board of Governors of the Federal Reserve System, 20th and C Streets, NW, Washington, DC 20551; Legislative and Regulatory Analysis Division, Office of the Comptroller of the Currency, Washington, DC 20219; Assistant Executive Secretary, Federal Deposit Insurance Corporation, Washington, DC 20429.

Contact Information for the Reports of Condition and Income

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


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

CONF				CONF
Name (TEXT C490)				Name (TEXT C495)

CONF				CONF
Title (TEXT C491)				Title (TEXT C496)

CONF				CONF
E-mail Address (TEXT C492)				E-mail Address (TEXT 4086)

CONF				CONF
Area Code / Phone Number / Extension (TEXT C493)				Area Code / Phone Number / Extension (TEXT 8902)

CONF				CONF
Area Code / FAX Number (TEXT C494)				Area Code / FAX Number (TEXT 9116)

Emergency Contact Information

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


Primary Contact				Secondary Contact

CONF				CONF
Name (TEXT C366)				Name (TEXT C371)

CONF				CONF
Title (TEXT C367)				Title (TEXT C372)

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

CONF				CONF
Area Code / Phone Number / Extension (TEXT C369)				Area Code / Phone Number / Extension (TEXT C374)

CONF				CONF
Area Code / FAX Number (TEXT C370)				Area Code / FAX Number (TEXT C375)

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

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

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


Primary Contact				Secondary Contact

CONF				CONF
Name (TEXT C437)				Name (TEXT C442)

CONF				CONF
Title (TEXT C438)				Title (TEXT C443)

CONF				CONF
E-mail Address (TEXT C439)				E-mail Address (TEXT C444)

CONF				CONF
Area Code / Phone Number / Extension (TEXT C440)				Area Code / Phone Number / Extension (TEXT C445)

Third Contact				Fourth Contact

CONF				CONF
Name (TEXT C870)				Name (TEXT C875)

CONF				CONF
Title (TEXT C871)				Title (TEXT C876)

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

CONF				CONF
Area Code / Phone Number / Extension (TEXT C873)				Area Code / Phone Number / Extension (TEXT C878)

Schedule RI 4

Consolidated Report of Income for the period January 1, 2014 - September 30, 2014

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

Schedule RI—Income Statement

Dollar Amounts in Thousands

Bil | Mil | Thou

Interest income:

Interest and fee income on loans:

(1)

Loans secured by real estate:

(a)

Loans secured by 1-4 family residential properties

RIAD4435

43,144

1.a.

(1)(a)

(b)

All other loans secured by real estate

RIAD4436

82,242

1.a.

(1)(b)

(2)

Commercial and industrial loans

RIAD4012

64,604

1.a.

(2)

(3)

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

(a)

Credit cards

RIADB485

1,547

1.a.

(3)(a)

(b)

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

RIADB486

4,835

1.a.

(3)(b)

(4)

Loans to foreign governments and official institutions

RIAD4056

1.a.

(4)

(5)

All other loans⁽¹⁾

RIAD4058

53,853

1.a.

(5)

(6)

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

RIAD4010

250,225

1.a.

(6)

Income from lease financing receivables

RIAD4065

1.b.

Interest income on balances due from depository institutions⁽²⁾

RIAD4115

241

1.c.

Interest and dividend income on securities:

(1)

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

RIADB488

945

1.d.

(1)

(2)

Mortgage-backed securities

RIADB489

18,215

1.d.

(2)

(3)

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

RIAD4060

322

1.d.

(3)

Interest income from trading assets

RIAD4069

1.e.

Interest income on federal funds sold and securities purchased under agreements to resell

RIAD4020

1.f.

Other interest income

RIAD4518

489

1.g.

Total interest income (sum of items 1.a.(6) through 1.g)

RIAD4107

270,437

1.h.

Interest expense:

Interest on deposits:

(1)

Transaction accounts (interest-bearing demand deposits, NOW accounts, ATS accounts, and telephone and preauthorized transfer accounts)

RIAD4508

298

2.a.

(1)

(2)

Nontransaction accounts:

(a)

Savings deposits (includes MMDAs)

RIAD0093

6,782

2.a.

(2)(a)

(b)

Time deposits of $100,000 or more

RIADA517

5,300

2.a.

(2)(b)

(c)

Time deposits of less than $100,000

RIADA518

6,504

2.a.

(2)(c)

Expense of federal funds purchased and securities sold under agreements to repurchase

RIAD4180

454

2.b.

Interest on trading liabilities and other borrowed money

RIAD4185

2,415

2.c.

(1)

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

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

Schedule RI 5

Schedule RI—Continued

Dollar Amounts in Thousands

Bil | Mil | Thou

Interest on subordinated notes and debentures

RIAD4200

2.d.

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

RIAD4073

21,753

2.e.

Net interest income (item 1.h minus 2.e)

RIAD4074

248,684

Provision for loan and lease losses

RIAD4230

1,559

Noninterest income:

Income from fiduciary activities ⁽¹⁾

RIAD4070

2,832

5.a.

Service charges on deposit accounts

RIAD4080

20,912

5.b.

Trading revenue ⁽²⁾

RIADA220

5.c.

(1)

Fees and commissions from securities brokerage

RIADC886

1,826

5.d.(1)

(2)

Investment banking, advisory, and underwriting fees and commissions

RIADC888

5.d.(2)

(3)

Fees and commissions from annuity sales

RIADC887

5.d.(3)

(4)

Underwriting income from insurance and reinsurance activities

RIADC386

5.d.(4)

(5)

Income from other insurance activities

RIADC387

1,083

5.d.(5)

Venture capital revenue

RIADB491

5.e.

Net servicing fees

RIADB492

5.f.

Net securitization income

RIADB493

5.g.

Not applicable

Net gains (losses) on sales of loans and leases

RIAD5416

3,923

5.i.

Net gains (losses) on sales of other real estate owned

RIAD5415

(7,274

)

5.j.

Net gains (losses) on sales of other assets (excluding securities)

RIADB496

(2,991

)

5.k.

Other noninterest income ^(*)

RIADB497

(9,156

)

5.l.

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

RIAD4079

11,155

5.m.

Realized gains (losses) on held-to-maturity securities

RIAD3521

6.a.

Realized gains (losses) on available-for-sale securities

RIAD3196

6.b.

Noninterest expense:

Salaries and employee benefits

RIAD4135

70,564

7.a.

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

RIAD4217

19,115

7.b.

(1)

Goodwill impairment losses

RIADC216

7.c.(1)

(2)

Amortization expense and impairment losses for other intangible assets

RIADC232

11,526

7.c.(2)

Other noninterest expense ^(*)

RIAD4092

37,445

7.d.

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

RIAD4093

138,650

7.e.

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

119,720

Applicable income taxes (on item 8)

RIAD4302

40,859

10.

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

RIAD4300

78,861

10.

11.

Extraordinary items and other adjustments, net of income taxes ^(*)

RIAD4320

11.

12.

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

RIADG104

78,861

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

13.

14.

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

RIAD4340

78,861

14.

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

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

(*)	Describe on Schedule RI-E - Explanations

Schedule RI 6

Schedule RI—Continued

Memoranda

Dollar Amounts in Thousands

Bil | Mil | Thou

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

546

M.1.

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

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

RIAD8431

1,826

M.2.

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

10,860

M.3.

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

RIAD4507

M.4.

Number

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

RIAD4150

1433

M.5.

Bil | Mil | Thou

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

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

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

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

RIAD4024

42,969

M.6.

YYYYMMDD

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

RIAD9106

M.7.

Bil | Mil | Thou

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

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

Interest rate exposures

RIAD8757

N/A

M.8.a.

Foreign exchange exposures

RIAD8758

N/A

M.8.b.

Equity security and index exposures

RIAD8759

N/A

M.8.c.

Commodity and other exposures

RIAD8760

N/A

M.8.d.

Credit exposures

RIADF186

N/A

M.8.e.

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

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

N/A

M.8.f.

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

N/A

M.8.g.

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

Net gains (losses) on credit derivatives held for trading

RIADC889

M.9.a.

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

RIADC890

M.9.b.

10.

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

Credit losses on derivatives (see instructions)

RIADA251

M.10.

(1)	The asset size tests and the 5 percent of total loans test are generally based on the total assets and total loans reported on the June 30, 2013, Report of Condition.

(2)	For example, a bank acquired on March 1, 2014, would report 20140301.

Schedule RI 7

Schedule RI—Continued

Memoranda—Continued

Yes/No

11.

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

RIADA530

M.11.

Bil | Mil | Thou

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

12.

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

RIADF228

N/A

M.12.

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

13.

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

Net gains (losses) on assets

RIADF551

M.13.a.

(1)

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

RIADF552

M.13.a.

(1)

Net gains (losses) on liabilities

RIADF553

M.13.b.

(1)

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

RIADF554

M.13.b.

(1)

14.

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

Total other-than-temporary impairment losses

RIADJ319

M.14.a.

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

RIADJ320

M.14.b.

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

M.14.c.

Schedule RIA 8

Schedule RI-A—Changes in Bank Equity Capital


Dollar Amounts in Thousands			Bil \| Mil \| Thou
1.	Total bank equity capital most recently reported for the December 31, 2013, Reports of Condition and Income (i.e., after adjustments from amended Reports of Income)	RIAD3217		1,493,886	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		1,493,886	3.
4.	Net income (loss) attributable to bank (must equal Schedule RI, item 14)	RIAD4340		78,861	4.
5.	Sale, conversion, acquisition, or retirement of capital stock, net (excluding treasury stock transactions)	RIADB509		0	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		71,000	9.
10.	Other comprehensive income ⁽¹⁾	RIADB511		6,427	10.
11.	Other transactions with stockholders (including a 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		1,508,174	12.

(*)	Describe on Schedule RI-E - Explanations

(1)	Includes, but is not limited to, changes in net unrealized holding gains (losses) on available-for-sale securities, changes in accumulated net gains (losses) on cash flow hedges, and pension and other postretirement plan-related changes other than net periodic benefit cost.

Schedule RIBI 9

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

Part I. Charge-offs and Recoveries on Loans and Leases

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

Dollar Amounts in Thousands

(Column A)
Charge-offs: Calendar YTD⁽¹⁾

(Column B)
Recoveries: Calendar YTD

Loans secured by real estate:

Construction, land development, and other land loans:

(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

RIADC894

155

1.a.(2)

Secured by farmland

RIAD3584

546

RIAD3585

1.b.

Secured by 1-4 family residential properties:

(1)

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

RIAD5411

RIAD5412

1.c.(1)

(2)

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

(a)

Secured by first liens

RIADC234

233

RIADC217

1.c.(2)(a)

(b)

Secured by junior liens

RIADC235

109

RIADC218

1.c.(2)(b)

Secured by multifamily (5 or more) residential properties

RIAD3588

RIAD3589

1.d.

Secured by nonfarm nonresidential properties:

(1)

Loans secured by owner-occupied nonfarm nonresidential properties

RIADC895

556

RIADC896

126

1.e.(1)

(2)

Loans secured by other nonfarm nonresidential properties

RIADC897

2,789

RIADC898

211

1.e.(2)

Loans to depository institutions and acceptances of other banks

RIAD4481

RIAD4482

Not applicable

Commercial and industrial loans

RIAD4638

4,023

RIAD4608

243

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

Credit cards

RIADB514

340

RIADB515

5.a.

Automobile loans

RIADK129

RIADK133

5.b.

Other (includes revolving credit plans other than credit cards and other consumer loans)

RIADK205

1,097

RIADK206

863

5.c.

Loans to foreign governments and official institutions

RIAD4643

RIAD4627

All other loans ⁽²⁾

RIAD4644

2,087

RIAD4628

Lease financing receivables

RIAD4266

RIAD4267

Total (sum of items 1 through 8)

RIAD4635

11,927

RIAD4605

1,817

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

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

Schedule RIBI 10

Schedule RI-B—Continued

Part I—Continued

Memoranda

Dollar Amounts in Thousands

(Column A)
Charge-offs: Calendar YTD

(Column B)
Recoveries: Calendar YTD

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

6,110

RIAD5410

249

M.1.

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

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.

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

RIAD4654

RIAD4664

M.2.b.

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.

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.

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

•

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

•

banks with less than $300 million in total assets that have loans to finance agricultural production and other loans to farmers (Schedule RC-C, part I, item 3) exceeding five percent of total loans. Loans to finance agricultural production and other loans to farmers (included in Schedule RI-B, part I, item 7, above)

RIAD4655

2,087

RIAD4665

M.3.

Dollar Amounts in Thousands

Bil | Mil | Thou

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

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

N/A

M.4.

(2)	The $300 million asset size test and the 5 percent of total loans test are generally based on the total assets and total loans reported on the June 30, 2013, Report of Condition.

Schedule RIBII 11

Schedule RI-B—Continued

Part II. Changes in Allowance for Loan and Lease Losses


Dollar Amounts in Thousands			Bil \| Mil \| Thou
1.	Balance most recently reported for the December 31, 2013, Reports of Condition and Income (i.e., after adjustments from amended Reports of Income)	RIADB522		56,069	1.
2.	Recoveries (must equal part I, item 9, column B, above)	RIAD4605		1,817	2.
3.	LESS: Charge-offs (must equal part I, item 9, column A, above less Schedule RI-B, part II, item 4)	RIADC079		11,927	3.
4.	LESS: Write-downs arising from transfers of loans to a held-for-sale account	RIAD5523		0	4.
5.	Provision for loan and lease losses (must equal Schedule RI, item 4)	RIAD4230		1,559	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		47,518	7.

Memoranda

Dollar Amounts in Thousands			Bil \| Mil \| Thou
1.	Allocated transfer risk reserve included in Schedule RI-B, part II, item 7, above	RIADC435		0	M.1.

	Memorandum items 2 and 3 are to be completed by banks that (1) together with affiliated institutions, have outstanding credit card receivables (as defined in the instructions) that exceed $500 million as of the report date or (2) are credit card specialty banks as defined for Uniform Bank Performance Report purposes.
2.	Separate valuation allowance for uncollectible retail credit card fees and finance charges	RIADC389		N/A	M.2.
3.	Amount of allowance for loan and lease losses attributable to retail credit card fees and finance charges	RIADC390		N/A	M.3.

	Memorandum item 4 is to be completed by all banks.
4.	Amount of allowance for post-acquisition credit losses on purchased credit-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		3,454	M.4.

(*)	Describe on Schedule RI-E - Explanations

Schedule RIC 12

Schedule RI-C—Disaggregated Data on the Allowance for Loan and Lease Losses

Schedule RI-C is to be completed by institutions with $1 billion or more in total assets.⁽¹⁾


Dollar Amounts in Thousands			(Column A) Recorded Investment: Individually Evaluated for Impairment and Determined to be Impaired (ASC 310-10-35)		(Column B) Allowance Balance: Individually Evaluated for Impairment and Determined to be Impaired (ASC 310-10-35)		(Column C) Recorded Investment: Collectively Evaluated for Impairment (ASC 450-20)		(Column D) Allowance Balance: Collectively Evaluated for Impairment (ASC 450-20)		(Column E) Recorded Investment: Purchased Credit-Impaired Loans (ASC 310-30)		(Column F) Allowance Balance: Purchased Credit-Impaired Loans (ASC 310-30)
1.	Real estate loans:
	a.	Construction loans		RCONM708		RCONM709		RCONM710		RCONM711		RCONM712		RCONM713
				2,986		171		320,927		2,136		14,075		320	1.a.
	b.	Commercial real estate loans		RCONM714		RCONM715		RCONM716		RCONM717		RCONM719		RCONM720
				138,137		1,893		1,983,673		13,203		35,127		325	1.b.
	c.	Residential real estate loans		RCONM721		RCONM722		RCONM723		RCONM724		RCONM725		RCONM726
				141,014		5,098		587,827		2,845		102,981		2,784	1.c.
2.	Commercial loans ⁽²⁾			RCONM727		RCONM728		RCONM729		RCONM730		RCONM731		RCONM732
				92,086		4,889		2,277,110		13,124		8,107		0	2.
3.	Credit cards			RCONM733		RCONM734		RCONM735		RCONM736		RCONM737		RCONM738
				0		0		18,445		478		0		0	3.
4.	Other consumer loans			RCONM739		RCONM740		RCONM741		RCONM742		RCONM743		RCONM744
				736		52		65,577		175		1,843		25	4.
5.	Unallocated, if any									RCONM745
										0					5.

6.	Total (for each column, sum of items 1.a through 5) ⁽³⁾			RCONM746		RCONM747		RCONM748		RCONM749		RCONM750		RCONM751
				374,959		12,103		5,253,559		31,961		162,133		3,454	6.

(1)	The $1 billion asset size test is generally based on the total assets reported on the June 30, 2013, Report of Condition.

(2)	Include all loans and leases not reported as real estate loans, credit cards, or other consumer loans in items 1, 3, or 4 of Schedule RI-C.

(3)	The sum of item 6, columns B, D, and F, must equal Schedule RC, item 4.c. Item 6, column E, must equal Schedule RC-C, Part I, Memorandum item 7.b. Item 6, column F, must equal Schedule RI-B, Part II, Memorandum item 4.

Schedule RIE 13

Schedule RI-E—Explanations

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

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

Dollar Amounts in Thousands

Bil | Mil | Thou

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:

Income and fees from the printing and sale of checks

RIADC013

883

1.a.

Earnings on/increase in value of cash surrender value of life insurance

RIADC014

1.b.

Income and fees from automated teller machines (ATMs)

RIADC016

6,347

1.c.

Rent and other income from other real estate owned

RIAD4042

533

1.d.

Safe deposit box rent

RIADC015

431

1.e.

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

RIADF229

(13,967

)

1.f.

Bank card and credit card interchange fees

RIADF555

1,171

1.g.

Gains on bargain purchases

RIADJ447

1.h.

TEXT4461

Indemnification Asset

RIAD4461

(10,805

)

1.i.

TEXT4462

Insurance Commissions

RIAD4462

618

1.j.

TEXT4463

Revenue Sharing

RIAD4463

602

1.k.

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:

Data processing expenses

RIADC017

9,741

2.a.

Advertising and marketing expenses

RIAD0497

4,627

2.b.

Directors’ fees

RIAD4136

2.c.

Printing, stationery, and supplies

RIADC018

1,479

2.d.

Postage

RIAD8403

2,342

2.e.

Legal fees and expenses

RIAD4141

1,782

2.f.

FDIC deposit insurance assessments

RIAD4146

CONF

2.g.

Accounting and auditing expenses

RIADF556

2.h.

Consulting and advisory expenses

RIADF557

2.i.

Automated teller machine (ATM) and interchange expenses

RIADF558

1,155

2.j.

Telecommunications expenses

RIADF559

2.k.

TEXT4464

OREO Expenses

RIAD4464

1,831

2.l.

TEXT4467

Business Meetings

RIAD4467

2,420

2.m.

TEXT4468

Loan Expense

RIAD4468

1,711

2.n.

Extraordinary items and other adjustments and applicable income tax effect (from Schedule RI, item 11) (itemize and describe all extraordinary items and other adjustments):

a.(1)

TEXT4469

RIAD4469

3.a.(1)

(2) Applicable income tax effect

RIAD4486

3.a.(2)

b.(1)

TEXT4487

RIAD4487

3.b.(1)

(2) Applicable income tax effect

RIAD4488

3.b.(2)

c.(1)

TEXT4489

RIAD4489

3.c.(1)

(2) Applicable income tax effect

RIAD4491

3.c.(2)

Schedule RIE 14

Schedule RI-E—Continued

Dollar Amounts in Thousands

Bil | Mil | Thou

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):

TEXTB526

RIADB526

4.a.

TEXTB527

RIADB527

4.b.

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

TEXT4498

RIAD4498

5.a.

TEXT4499

RIAD4499

5.b.

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

TEXT4521

RIAD4521

6.a.

TEXT4522

RIAD4522

6.b.

Yes/No

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):

Comments?

RIAD4769

7.a.

Other explanations (750 character limit):

(TEXT 4769)

Schedule RC 15

Consolidated Report of Condition for Insured Banks and Savings Associations for September 30, 2014

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

Schedule RC—Balance Sheet

Dollar Amounts in Thousands

Bil | Mil | Thou

Assets

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

Noninterest-bearing balances and currency and coin ⁽¹⁾

RCON0081

130,740

1.a.

Interest-bearing balances ⁽²⁾

RCON0071

125,899

1.b.

Securities:

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

RCON1754

650

2.a.

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

RCON1773

1,341,019

2.b.

Federal funds sold and securities purchased under agreements to resell:

Federal funds sold

RCONB987

3.a.

Securities purchased under agreements to resell ⁽³⁾

RCONB989

3.b.

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

Loans and leases held for sale

RCON5369

10,381

4.a.

Loans and leases, net of unearned income

RCONB528

6,777,091

4.b.

LESS: Allowance for loan and lease losses

RCON3123

47,518

4.c.

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

RCONB529

6,729,573

4.d.

Trading assets (from Schedule RC-D)

RCON3545

Premises and fixed assets (including capitalized leases)

RCON2145

103,707

Other real estate owned (from Schedule RC-M)

RCON2150

49,580

Investments in unconsolidated subsidiaries and associated companies

RCON2130

Direct and indirect investments in real estate ventures

RCON3656

10.

Intangible assets:

Goodwill

RCON3163

697,807

10.a.

Other intangible assets (from Schedule RC-M)

RCON0426

14,229

10.b.

11.

Other assets (from Schedule RC-F)

RCON2160

163,552

11.

12.

Total assets (sum of items 1 through 11)

RCON2170

9,367,137

12.

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

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

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

Schedule RC 16

Schedule RC—Continued

Dollar Amounts in Thousands

Bil | Mil | Thou

Liabilities

13.

Deposits:

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

RCON2200

7,057,932

13.a.

(1)

Noninterest-bearing ⁽¹⁾

RCON6631

1,308,768

13.a.(1)

(2)

Interest-bearing

RCON6636

5,749,164

13.a.(2)

Not applicable

14.

Federal funds purchased and securities sold under agreements to repurchase:

a. Federal funds purchased ⁽²⁾

RCONB993

14.a.

Securities sold under agreements to repurchase ⁽³⁾

RCONB995

161,687

14.b.

15.

Trading liabilities (from Schedule RC-D)

RCON3548

15.

16.

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

RCON3190

575,094

16.

17.

Not applicable

18.

Not applicable

19.

Subordinated notes and debentures ⁽⁴⁾

RCON3200

19.

20.

Other liabilities (from Schedule RC-G)

RCON2930

64,249

20.

21.

Total liabilities (sum of items 13 through 20)

RCON2948

7,858,962

21.

22.

Not applicable

22.

Equity Capital

Bank Equity Capital

23.

Perpetual preferred stock and related surplus

RCON3838

23.

24.

Common stock

RCON3230

6,660

24.

25.

Surplus (exclude all surplus related to preferred stock)

RCON3839

1,339,541

25.

26.

Retained earnings

RCON3632

168,121

26.a.

Accumulated other comprehensive income ⁽⁵⁾

RCONB530

(6,147

)

26.b.

Other equity capital components ⁽⁶⁾

RCONA130

26.c.

27.

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

RCON3210

1,508,175

27.a.

Noncontrolling (minority) interests in consolidated subsidiaries

RCON3000

27.b.

28.

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

RCONG105

1,508,175

28.

29.

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

RCON3300

9,367,137

29.

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

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

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

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

(5)	Includes, but is not limited to, net unrealized holding gains (losses) on available-for-sale securities, accumulated net gains (losses) on cash flow hedges, and accumulated defined benefit pension and other postretirement plan adjustments.

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

Schedule RC 17

Schedule RC—Continued

Memoranda

To be reported with the March Report of Condition.

Number

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 2013

RCON6724

N/A

M.1.


1 =		Independent audit of the bank conducted in accordance with generally accepted auditing standards by a certified public accounting firm which submits a report on the bank
2 =		Independent audit of the bank’s parent holding company conducted in accordance with generally accepted auditing standards by a certified public accounting firm which submits a report on the consolidated holding company (but not on the bank separately)
3 =		Attestation on bank management’s assertion on the effectiveness of the bank’s internal control over financial reporting by a certified public accounting firm


4 =		Directors’ examination of the bank conducted in accordance with generally accepted auditing standards by a certified public accounting firm (may be required by state chartering authority)
5 =		Directors’ examination of the bank performed by other external auditors (may be required by state chartering authority)
6 =		Review of the bank’s financial statements by external auditors
7 =		Compilation of the bank’s financial statements by external auditors
8 =		Other audit procedures (excluding tax preparation work)
9 =		No external audit work

MM/DD

To be reported with the March Report of Condition.

Bank’s fiscal year-end date

RCON8678

N/A

M.2.

Schedule RCA 18

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

Schedule RC-A is to be completed only by banks with $300 million or more in total assets. ⁽¹⁾

Exclude assets held for trading.

Dollar Amounts in Thousands

Bil | Mil | Thou

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

Cash items in process of collection and unposted debits

RCON0020

70,587

1.a.

Currency and coin

RCON0080

56,819

1.b.

Balances due from depository institutions in the U.S:

U.S. branches and agencies of foreign banks

RCON0083

2.a.

Other commercial banks in the U.S. and other depository institutions in the U.S.

RCON0085

3,481

2.b.

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

Foreign branches of other U.S. banks

RCON0073

3.a.

Other banks in foreign countries and foreign central banks

RCON0074

3.b.

Balances due from Federal Reserve Banks

RCON0090

125,752

Total (sum of items 1 through 4) (must equal Schedule RC, sum of items 1.a and 1.b)

RCON0010

256,639

(1)	The $300 million asset size test is generally based on the total assets reported on the June 30, 2013, Report of Condition.

Schedule RCB 19

Schedule RC-B—Securities

Exclude assets held for trading.


Dollar Amounts in Thousands					(Column A) Held-to-maturity Amortized Cost		(Column B) Held-to-maturity Fair Value		(Column C) Available-for- sale Amortized Cost		(Column D) Available-for- sale Fair Value
1.	U.S. Treasury securities					RCON0211		RCON0213		RCON1286		RCON1287
						0		0		222,868		222,725	1.
2.	U.S. Government agency obligations (exclude mortgage-backed securities):
	a.	Issued by U.S. Government agencies⁽¹⁾				RCON1289		RCON1290		RCON1291		RCON1293
						0		0		0		0	2.a.
	b.	Issued by U.S. Government-sponsored agencies⁽²⁾				RCON1294		RCON1295		RCON1297		RCON1298
						0		0		0		0	2.b.
3.	Securities issued by states and political subdivisions in the U.S.					RCON8496		RCON8497		RCON8498		RCON8499
						650		650		1,538		1,539	3.
4.	Mortgage-backed securities (MBS):
	a.	Residential mortgage pass-through securities:
		(1)	Guaranteed by GNMA			RCONG300		RCONG301		RCONG302		RCONG303
						0		0		177,393		175,333	4.a.(1)
		(2)	Issued by FNMA and FHLMC			RCONG304		RCONG305		RCONG306		RCONG307
						0		0		0		0	4.a.(2)
		(3)	Other pass-through securities			RCONG308		RCONG309		RCONG310		RCONG311
						0		0		0		0	4.a.(3)
	b.	Other residential mortgage-backed securities (include CMOs, REMICs, and stripped MBS):
		(1)	Issued or guaranteed by U.S. Government agencies or sponsored agencies⁽³⁾			RCONG312		RCONG313		RCONG314		RCONG315
						0		0		744,772		740,760	4.b.(1)
		(2)	Collateralized by MBS issued or guaranteed by U.S. Government agencies or sponsored agencies⁽³⁾			RCONG316		RCONG317		RCONG318		RCONG319
						0		0		0		0	4.b.(2)
		(3)	All other residential MBS			RCONG320		RCONG321		RCONG322		RCONG323
						0		0		0		0	4.b.(3)
	c.	Commercial MBS:
		(1)	Commercial mortgage pass-through securities:
			(a)	Issued or guaranteed by FNMA, FHLMC, or GNMA		RCONK142		RCONK143		RCONK144		RCONK145
						0		0		0		0	4.c.(1)(a)
			(b)	Other pass-through securities		RCONK146		RCONK147		RCONK148		RCONK149
						0		0		0		0	4.c.(1)(b)
		(2)	Other commercial MBS:
			(a)	Issued or guaranteed by U.S. Government agencies or sponsored agencies⁽³⁾		RCONK150		RCONK151		RCONK152		RCONK153
						0		0		191,198		187,322	4.c.(2)(a)
			(b)	All other commercial MBS		RCONK154		RCONK155		RCONK156		RCONK157
						0		0		0		0	4.c.(2)(b)

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

(2)

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

(3)

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

Schedule RCB 20

Schedule RC-B—Continued

Dollar Amounts in Thousands

(Column A)
Held-to-maturity
Amortized Cost

(Column B)
Held-to-maturity
Fair Value

(Column C)
Available-for-
sale Amortized
Cost

(Column D)
Available-for-
sale Fair Value

Asset-backed securities and structured financial products:

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

RCONC026

RCONC988

RCONC989

RCONC027

5.a.

Structured financial products:

(1)

Cash

RCONG336

RCONG337

RCONG338

RCONG339

5.b.(1)

(2)

Synthetic

RCONG340

RCONG341

RCONG342

RCONG343

5.b.(2)

(3)

Hybrid

RCONG344

RCONG345

RCONG346

RCONG347

5.b.(3)

Other debt securities:

Other domestic debt securities

RCON1737

RCON1738

RCON1739

RCON1741

11,732

11,873

6.a.

Other foreign debt securities

RCON1742

RCON1743

RCON1744

RCON1746

6.b.

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

RCONA510

RCONA511

1,433

1,467

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

650

1,350,934

1,341,019

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

Schedule RCB 21

Schedule RC-B—Continued

Memoranda

Dollar Amounts in Thousands

Bil | Mil | Thou

Pledged securities ⁽¹⁾

RCON0416

1,132,307

M.1.

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

Securities issued by the U.S. Treasury, U.S. Government agencies, and states and political subdivisions in the U.S.; other non-mortgage debt securities; and mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of: ^(3) (4)

(1)

Three months or less

RCONA549

11,873

M.2.a.(1)

(2)

Over three months through 12 months

RCONA550

120

M.2.a.(2)

(3)

Over one year through three years

RCONA551

74,699

M.2.a.(3)

(4)

Over three years through five years

RCONA552

148,476

M.2.a.(4)

(5)

Over five years through 15 years

RCONA553

1,579

M.2.a.(5)

(6)

Over 15 years

RCONA554

M.2.a.(6)

Mortgage pass-through securities backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of: ^(3) (5)

(1)

Three months or less

RCONA555

M.2.b.(1)

(2)

Over three months through 12 months

RCONA556

M.2.b.(2)

(3)

Over one year through three years

RCONA557

12,806

M.2.b.(3)

(4)

Over three years through five years

RCONA558

M.2.b.(4)

(5)

Over five years through 15 years

RCONA559

162,527

M.2.b.(5)

(6)

Over 15 years

RCONA560

M.2.b.(6)

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

(1)

Three years or less

RCONA561

521,484

M.2.c.(1)

(2)

Over three years

RCONA562

406,597

M.2.c.(2)

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

RCONA248

6,868

M.2.d.

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

M.3.

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

Amortized cost

RCON8782

M.4.a.

Fair value

RCON8783

M.4.b.

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

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

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

(4)

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

(5)

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

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

Schedule RCB 22

Schedule RC-B—Continued

Memoranda—Continued

Dollar Amounts in Thousands

(Column A)
Held-to-maturity
Amortized Cost

(Column B)
Held-to-maturity
Fair Value

(Column C)
Available-for-
sale Amortized
Cost

(Column D)
Available-for-
sale Fair Value

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

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

Credit card receivables

RCONB838

RCONB839

RCONB840

RCONB841

M.5.a.

Home equity lines

RCONB842

RCONB843

RCONB844

RCONB845

M.5.b.

Automobile loans

RCONB846

RCONB847

RCONB848

RCONB849

M.5.c.

Other consumer loans

RCONB850

RCONB851

RCONB852

RCONB853

M.5.d.

Commercial and industrial loans

RCONB854

RCONB855

RCONB856

RCONB857

M.5.e.

Other

RCONB858

RCONB859

RCONB860

RCONB861

M.5.f.

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)):

Trust preferred securities issued by financial institutions

RCONG348

RCONG349

RCONG350

RCONG351

M.6.a.

Trust preferred securities issued by real estate investment trusts

RCONG352

RCONG353

RCONG354

RCONG355

M.6.b.

Corporate and similar loans

RCONG356

RCONG357

RCONG358

RCONG359

M.6.c.

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

RCONG360

RCONG361

RCONG362

RCONG363

M.6.d.

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

RCONG364

RCONG365

RCONG366

RCONG367

M.6.e.

Diversified (mixed) pools of structured financial products

RCONG368

RCONG369

RCONG370

RCONG371

M.6.f.

Other collateral or reference assets

RCONG372

RCONG373

RCONG374

RCONG375

M.6.g.

(1)	The $1 billion asset size test is generally based on the total assets reported on the June 30, 2013, Report of Condition.

Schedule RCCI 23

Schedule RC-C—Loans and Lease Financing Receivables

Part I. Loans and Leases

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

Dollar Amounts in Thousands

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

(Column B)
To Be Completed by All
Banks

Loans secured by real estate:

Construction, land development, and other land loans:

(1)

1-4 family residential construction loans

RCONF158

38,076

1.a.(1)

(2)

Other construction loans, all land development, other land loans

RCONF159

315,746

1.a.(2)

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

RCON1420

781,823

1.b.

Secured by 1-4 family residential properties:

(1)

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

RCON1797

340,555

1.c.(1)

(2)

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

(a)

Secured by first liens

RCON5367

438,919

1.c.(2)(a)

(b)

Secured by junior liens

RCON5368

55,861

1.c.(2)(b)

Secured by multifamily (5 or more) residential properties

RCON1460

141,123

1.d.

Secured by nonfarm nonresidential properties:

(1)

Loans secured by owner-occupied nonfarm nonresidential properties

RCONF160

1,073,840

1.e.(1)

(2)

Loans secured by other nonfarm nonresidential properties

RCONF161

855,038

1.e.(2)

Loans to depository institutions and acceptances of other banks

RCON1288

To commercial banks in the U.S.:

(1)

To U.S. branches and agencies of foreign banks

RCONB532

2.a.(1)

(2)

To other commercial banks in the U.S.

RCONB533

2.a.(2)

To other depository institutions in the U.S.

RCONB534

2.b.

To banks in foreign countries:

(1)

To foreign branches of other U.S. banks

RCONB536

2.c.(1)

(2)

To other banks in foreign countries

RCONB537

2.c.(2)

Loans to finance agricultural production and other loans to farmers

RCON1590

898,282

Commercial and industrial loans

RCON1766

1,264,239

To U.S. addressees (domicile)

RCON1763

1,264,239

4.a.

To non-U.S. addressees (domicile)

RCON1764

4.b.

Not applicable

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

Credit cards

RCONB538

18,450

6.a.

Other revolving credit plans

RCONB539

4,049

6.b.

Automobile loans

RCONK137

41,971

6.c.

Other consumer loans (includes single payment and installment loans other than automobile loans, and all student loans)

RCONK207

24,593

6.d.

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

RCON2081

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

RCON2107

479,898

Loans to nondepository financial institutions and other loans:

Loans to nondepository financial institutions

RCONJ454

9.a.

Other loans

RCONJ464

20,520

9.b.

(1)

Loans for purchasing or carrying securities (secured/unsecured)

RCON1545

17,026

9.b.(1)

(2)

All other loans (exclude consumer loans)

RCONJ451

3,494

9.b.(2)

(1)	The $300 million asset size test is generally based on the total assets reported on the June 30, 2013, Report of Condition.

Schedule RCCI 24

Schedule RC-C—Continued

Part I—Continued

Dollar Amounts in Thousands

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

(Column B)
To Be Completed by All
Banks

10.

Lease financing receivables (net of unearned income)

RCON2165

756

10.

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

RCONF162

756

10.a.

All other leases

RCONF163

10.b.

11.

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

RCON2123

6,268

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

6,787,471

12.

Memoranda

Dollar Amounts in Thousands

Bil | Mil | Thou

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

Construction, land development, and other land loans:

(1)

1-4 family residential construction loans

RCONK158

M.1.a.(1)

(2)

Other construction loans and all land development and other land loans

RCONK159

M.1.a.(2)

Loans secured by 1-4 family residential properties

RCONF576

1,427

M.1.b.

Secured by multifamily (5 or more) residential properties

RCONK160

M.1.c.

Secured by nonfarm nonresidential properties:

(1)

Loans secured by owner-occupied nonfarm nonresidential properties

RCONK161

8,462

M.1.d.(1)

(2)

Loans secured by other nonfarm nonresidential properties

RCONK162

16,367

M.1.d.(2)

Commercial and industrial loans

RCONK256

6,753

M.1.e.

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

(1)

To U.S. addressees (domicile)

RCONK163

6,753

M.1.e.(1)

(2)

To non-U.S. addressees (domicile)

RCONK164

M.1.e.(2)

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

RCONK165

3,126

M.1.f.

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

(1)

Loans secured by farmland

RCONK166

M.1.f.(1)

(2)

Loans to depository institutions and acceptances of other banks

RCONK167

M.1.f.(2)

(3)

Not applicable

(4)

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

(a)

Credit cards

RCONK098

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

(b)

Automobile loans

RCONK203

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

(c)

Other (includes revolving credit plans other than credit cards and other consumer loans)

RCONK204

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

(5)

Loans to foreign governments and official institutions

RCONK212

M.1.f.(5)

(6)

Other loans ⁽²⁾

RCONK267

3,126

M.1.f.(6)

(1)	The $300 million asset size test is generally based on the total assets reported on the June 30, 2013, Report of Condition.

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

Schedule RCCI 25

Schedule RC-C—Continued

Memoranda—Continued

Dollar Amounts in Thousands

Bil | Mil | Thou

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

•

Banks with $300 million or more in total assets

•

Banks with less than $300 million in total assets that have loans to finance agricultural production and other loans to farmers (Schedule RC-C, part I, item 3) exceeding 5 percent of total loans

(a)

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

RCONK168

3,126

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

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

Closed-end loans secured by first liens on 1-4 family residential properties (reported in Schedule RC-C, part I, item 1.c.(2)(a), col. B) with a remaining maturity or next repricing date of:^(3) (4)

(1)

Three months or less

RCONA564

42,337

M.2.a.(1)

(2)

Over three months through 12 months

RCONA565

87,563

M.2.a.(2)

(3)

Over one year through three years

RCONA566

77,820

M.2.a.(3)

(4)

Over three years through five years

RCONA567

146,888

M.2.a.(4)

(5)

Over five years through 15 years

RCONA568

45,074

M.2.a.(5)

(6)

Over 15 years

RCONA569

26,367

M.2.a.(6)

All loans and leases (reported in Schedule RC-C, part I, items 1 through 10, col. B) EXCLUDING closed-end loans secured by first liens on 1-4 family residential properties (reported in Schedule RC-C, part I, item 1.c.(2)(a), col. B) with a remaining maturity or next repricing date of: ^(3) (5)

(1)

Three months or less

RCONA570

672,680

M.2.b.(1)

(2)

Over three months through 12 months

RCONA571

1,416,643

M.2.b.(2)

(3)

Over one year through three years

RCONA572

1,385,717

M.2.b.(3)

(4)

Over three years through five years

RCONA573

1,838,776

M.2.b.(4)

(5)

Over five years through 15 years

RCONA574

922,680

M.2.b.(5)

(6)

Over 15 years

RCONA575

52,291

M.2.b.(6)

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

1,892,369

M.2.c.

Loans to finance commercial real estate, construction, and land development activities (not secured by real estate) included in Schedule RC-C, part I, items 4 and 9, column B ⁽⁷⁾

RCON2746

1,865

M.3.

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

267,951

M.4.

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

(4)

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

(5)

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

(6)	The $300 million asset size test and the 5 percent of total loans test are generally based on the total assets and total loans reported on the June 30, 2013, Report of Condition.

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

Schedule RCCI 26

Schedule RC-C—Continued

Part I—Continued

Memoranda—Continued

Dollar Amounts in Thousands

Bil | Mil | Thou

To be completed by banks with $300 million or more in total assets: ⁽⁸⁾

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

M.5.

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

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

RCONC391

N/A

M.6.

Memorandum item 7 is to be completed by all banks.

Purchased credit-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):

Outstanding balance

RCONC779

267,151

M.7.a.

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

RCONC780

162,133

M.7.b.

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

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

RCONF230

M.8.a.

Memorandum items 8.b and 8.c are to be completed by banks that had closed-end loans with negative amortization features secured by 1-4 family residential properties (as reported in Schedule RC-C, part I, Memorandum item 8.a) as of December 31, 2013, that exceeded the lesser of $100 million or 5 percent of total loans and leases, net of unearned income (as reported in Schedule RC-C, part I, item 12, column B).

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

RCONF231

N/A

M.8.b.

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

RCONF232

N/A

M.8.c.

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

RCONF577

2,429

M.9.

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

10.

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

Loans secured by real estate:

(1)

Construction, land development, and other land loans

RCONF578

15,463

M.10.a.(1)

(2)

Secured by farmland (including farm residential and other improvements)

RCONF579

294,234

M.10.a.(2)

(3)

Secured by 1-4 family residential properties:

(a)

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

RCONF580

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

(b)

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

(1)

Secured by first liens

RCONF581

1,475

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

(2)

Secured by junior liens

RCONF582

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

(4)

Secured by multifamily (5 or more) residential properties

RCONF583

3,327

M.10.a.(4)

(5)

Secured by nonfarm nonresidential properties

RCONF584

408,137

M.10.a.(5)

Commercial and industrial loans

RCONF585

184,433

M.10.b.

(8)	The $300 million asset size test is generally based on the total assets reported on the June 30, 2013, Report of Condition.

Schedule RCCI 27

Schedule RC-C—Continued

Part I—Continued

Memoranda—Continued

Dollar Amounts in Thousands

Bil | Mil | Thou

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

(1)

Credit Cards

RCONF586

M.10.c.(1)

(2)

Other revolving credit plans

RCONF587

M.10.c.(2)

(3)

Automobile loans

RCONK196

M.10.c.(3)

(4)

Other consumer loans

RCONK208

M.10.c.(4)

Other loans

RCONF589

78,343

M.10.d.

11.

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

Loans secured by real estate:

(1)

Construction, land development, and other land loans

RCONF590

15,463

M.11.a.(1)

(2)

Secured by farmland (including farm residential and other improvements)

RCONF591

294,234

M.11.a.(2)

(3)

Secured by 1-4 family residential properties:

(a)

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

RCONF592

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

(b)

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

(1)

Secured by first liens

RCONF593

1,475

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

(2)

Secured by junior liens

RCONF594

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

(4)

Secured by multifamily (5 or more) residential properties

RCONF595

3,327

M.11.a.(4)

(5)

Secured by nonfarm nonresidential properties

RCONF596

408,137

M.11.a.(5)

Commercial and industrial loans

RCONF597

184,433

M.11.b.

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

(1)

Credit cards

RCONF598

M.11.c.(1)

(2)

Other revolving credit plans

RCONF599

M.11.c.(2)

(3)

Automobile loans

RCONK195

M.11.c.(3)

(4)

Other consumer loans

RCONK209

M.11.c.(4)

Other loans

RCONF601

78,343

M.11.d.

(Column C)

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

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:

Loans secured by real estate

RCONG091

RCONG092

RCONG093

M.12.a.

Commercial and industrial loans

RCONG094

RCONG095

RCONG096

M.12.b.

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

RCONG097

RCONG098

RCONG099

M.12.c.

All other loans and all leases

RCONG100

RCONG101

RCONG102

M.12.d.

Schedule RCCI 28

Schedule RC-C—Continued

Part I—Continued

Memoranda—Continued

Dollar Amounts in Thousands

Bil | Mil | Thou

Memorandum item 13 is to be completed by banks that had construction, land development, and other land loans (as reported in Schedule RC-C, part I, item 1.a, column B) that exceeded 100 percent of total risk-based capital (as reported in Schedule RC-R, item 21) as of December 31, 2013.

13.

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

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

RCONG376

N/A

M.13.a.

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

RIADG377

N/A

M.13.b.

Memorandum item 14 is to be completed by all banks.

14.

Pledged loans and leases

RCONG378

2,145,546

M.14.

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

15.

Reverse mortgages:

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

(1)

Home Equity Conversion Mortgage (HECM) reverse mortgages

RCONJ466

N/A

M.15.a.(1)

(2)

Proprietary reverse mortgages

RCONJ467

N/A

M.15.a.(2)

Number

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

(1)

Home Equity Conversion Mortgage (HECM) reverse mortgages

RCONJ468

N/A

M.15.b.(1)

(2)

Proprietary reverse mortgages

RCONJ469

N/A

M.15.b.(2)

Dollar Amounts in Thousands

Bil | Mil | Thou

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

(1)

Home Equity Conversion Mortgage (HECM) reverse mortgages

RCONJ470

N/A

M.15.c.(1)

(2)

Proprietary reverse mortgages

RCONJ471

N/A

M.15.c.(2)

Schedule RCCII 29

Schedule RC-C—Continued

Part II. Loans to Small Businesses and Small Farms

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

Loans to Small Businesses

Yes/No

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

RCON6999

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

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

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

Number

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

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

RCON5562

N/A

2.a.

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

RCON5563

N/A

2.b.

Dollar Amounts in Thousands

(Column A)
Number of Loans

(Column B)
Amount Currently Outstanding

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

With original amounts of $100,000 or less

RCON5564

639

RCON5565

22,211

3.a.

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

RCON5566

628

RCON5567

78,239

3.b.

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

RCON5568

794

RCON5569

332,495

3.c.

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

With original amounts of $100,000 or less

RCON5570

3433

RCON5571

85,294

4.a.

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

RCON5572

967

RCON5573

104,696

4.b.

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

RCON5574

858

RCON5575

273,337

4.c.

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

Schedule RCCII 30

Schedule RC-C—Continued

Part II—Continued

Agricultural Loans to Small Farms

Yes/No

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

RCON6860

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

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

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

Number

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

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

RCON5576

N/A

6.a.

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

RCON5577

N/A

6.b.

Dollar Amounts in Thousands

(Column A)
Number of Loans

(Column B)
Amount Currently Outstanding

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

With original amounts of $100,000 or less

RCON5578

842

RCON5579

32,673

7.a.

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

RCON5580

688

RCON5581

92,359

7.b.

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

RCON5582

276

RCON5583

83,557

7.c.

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

With original amounts of $100,000 or less

RCON5584

2814

RCON5585

68,802

8.a.

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

RCON5586

637

RCON5587

80,268

8.b.

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

RCON5588

316

RCON5589

89,642

8.c.

Schedule RCD 31

Schedule RC-D—Trading Assets and Liabilities

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

Dollar Amounts in Thousands

Bil | Mil | Thou

Assets

U.S. Treasury securities

RCON3531

N/A

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

RCON3532

N/A

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

RCON3533

N/A

Mortgage-backed securities (MBS):

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

RCONG379

N/A

4.a.

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

RCONG380

N/A

4.b.

All other residential MBS

RCONG381

N/A

4.c.

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

RCONK197

N/A

4.d.

All other commercial MBS

RCONK198

N/A

4.e.

Other debt securities

Structured financial products:

(1)

Cash

RCONG383

N/A

5.a.(1)

(2)

Synthetic

RCONG384

N/A

5.a.(2)

(3)

Hybrid

RCONG385

N/A

5.a.(3)

All other debt securities

RCONG386

N/A

5.b.

Loans:

Loans secured by real estate:

(1)

Construction, land development, and other land loans

RCONF604

N/A

6.a.(1)

(2)

Secured by farmland (including farm residential and other improvements)

RCONF605

N/A

6.a.(2)

(3)

Secured by 1-4 family residential properties:

(a)

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

RCONF606

N/A

6.a.(3)(a)

(b)

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

(1)

Secured by first liens

RCONF607

N/A

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

(2)

Secured by junior liens

RCONF611

N/A

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

(4)

Secured by multifamily (5 or more) residential properties

RCONF612

N/A

6.a.(4)

(5)

Secured by nonfarm nonresidential properties

RCONF613

N/A

6.a.(5)

Commercial and industrial loans

RCONF614

N/A

6.b.

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

(1)

Credit cards

RCONF615

N/A

6.c.(1)

(2)

Other revolving credit plans

RCONF616

N/A

6.c.(2)

(3)

Automobile loans

RCONK199

N/A

6.c.(3)

(4)

Other consumer loans

RCONK210

N/A

6.c.(4)

Other loans

RCONF618

N/A

6.d.

7. - 8. Not applicable

Other trading assets

RCON3541

N/A

10.

Not applicable

11.

Derivatives with a positive fair value

RCON3543

N/A

11.

12.

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

RCON3545

N/A

12.

Liabilities

13.

Liability for short positions

RCON3546

N/A

13.a.

Other trading liabilities

RCONF624

N/A

13.b.

14.

Derivatives with a negative fair value

RCON3547

N/A

14.

15.

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

RCON3548

N/A

15.

(1)

Schedule RCD 32

Schedule RC-D—Continued

Memoranda

Dollar Amounts in Thousands

Bil | Mil | Thou

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

Loans secured by real estate:

(1)

Construction, land development, and other land loans

RCONF625

N/A

M.1.a.(1)

(2)

Secured by farmland (including farm residential and other improvements)

RCONF626

N/A

M.1.a.(2)

(3)

Secured by 1-4 family residential properties:

(a)

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

RCONF627

N/A

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

(b)

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

(1)

Secured by first liens

RCONF628

N/A

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

(2)

Secured by junior liens

RCONF629

N/A

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

(4)

Secured by multifamily (5 or more) residential properties

RCONF630

N/A

M.1.a.(4)

(5)

Secured by nonfarm nonresidential properties

RCONF631

N/A

M.1.a.(5)

Commercial and industrial loans

RCONF632

N/A

M.1.b.

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

(1)

Credit cards

RCONF633

N/A

M.1.c.(1)

(2)

Other revolving credit plans

RCONF634

N/A

M.1.c.(2)

(3)

Automobile loans

RCONK200

N/A

M.1.c.(3)

(4)

Other consumer loans

RCONK211

N/A

M.1.c.(4)

Other loans

RCONF636

N/A

M.1.d.

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

Fair value

RCONF639

N/A

M.2.a.

Unpaid principal balance

RCONF640

N/A

M.2.b.

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)):

Trust preferred securities issued by financial institutions

RCONG299

N/A

M.3.a.

Trust preferred securities issued by real estate investment trusts

RCONG332

N/A

M.3.b.

Corporate and similar loans

RCONG333

N/A

M.3.c.

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

RCONG334

N/A

M.3.d.

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

RCONG335

N/A

M.3.e.

Diversified (mixed) pools of structured financial products

RCONG651

N/A

M.3.f.

Other collateral or reference assets

RCONG652

N/A

M.3.g.

Pledged trading assets:

Pledged securities

RCONG387

N/A

M.4.a.

Pledged loans

RCONG388

N/A

M.4.b.

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

Asset-backed securities:

Credit card receivables

RCONF643

N/A

M.5.a.

Home equity lines

RCONF644

N/A

M.5.b.

Automobile loans

RCONF645

N/A

M.5.c.

Other consumer loans

RCONF646

N/A

M.5.d.

Commercial and industrial loans

RCONF647

N/A

M.5.e.

Other

RCONF648

N/A

M.5.f.

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

RCONF651

N/A

M.6.

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

Readily determinable fair values

RCONF652

N/A

M.7.a.

Other

RCONF653

N/A

M.7.b.

Loans pending securitization

RCONF654

N/A

M.8.

Schedule RCD 33

Schedule RC-D—Continued

Memoranda—Continued

Dollar Amounts in Thousands

Bil | Mil | Thou

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): ⁽¹⁾

TEXTF655

RCONF655

N/A

M.9.a.

TEXTF656

RCONF656

N/A

M.9.b.

TEXTF657

RCONF657

N/A

M.9.c.

10.

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

TEXTF658

RCONF658

N/A

M.10.a.

TEXTF659

RCONF659

N/A

M.10.b.

TEXTF660

RCONF660

N/A

M.10.c.

(1)	Exclude equity securities.

Schedule RCE 34

Schedule RC-E—Deposit Liabilities


Dollar Amounts in Thousands		(Column A) Total Transaction Accounts (Including Total Demand Deposits)		(Column B) Memo: Total Demand Deposits (1) (Included in Column A)		(Column C) Total Nontransaction Accounts (Including MMDAs)
	Deposits of:
1.	Individuals, partnerships, and corporations	RCONB549	727,280			RCONB550	5,347,614	1.
2.	U.S. Government	RCON2202	0			RCON2520	0	2.
3.	States and political subdivisions in the U.S.	RCON2203	92,807			RCON2530	889,128	3.
4.	Commercial banks and other depository institutions in the U.S.	RCONB551	1,103			RCONB552	0	4.
5.	Banks in foreign countries	RCON2213	0			RCON2236	0	5.
6.	Foreign governments and official institutions (including foreign central banks)	RCON2216	0			RCON2377	0	6.

7.	Total (sum of items 1 through 6) (sum of columns A and C must equal Schedule RC, item 13.a)	RCON2215	821,190	RCON2210	402,291	RCON2385	6,236,742	7.

Memoranda

Dollar Amounts in Thousands

Bil | Mil | Thou

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

Total Individual Retirement Accounts (IRAs) and Keogh Plan accounts

RCON6835

212,649

M.1.a.

Total brokered deposits

RCON2365

359,240

M.1.b.

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

(1)

Brokered deposits of less than $100,000

RCON2343

359,240

M.1.c.(1)

(2)

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

RCONJ472

M.1.c.(2)

Maturity data for brokered deposits:

(1)

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

RCONA243

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

M.1.d.(2)

(3)

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

RCONK220

M.1.d.(3)

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

RCON5590

N/A

M.1.e.

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

RCONK223

M.1.f.

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

Savings deposits:

(1)

Money market deposit accounts (MMDAs)

RCON6810

2,408,870

M.2.a.(1)

(2)

Other savings deposits (excludes MMDAs)

RCON0352

2,084,178

M.2.a.(2)

Total time deposits of less than $100,000

RCON6648

1,010,554

M.2.b.

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

RCONJ473

477,844

M.2.c.

Total time deposits of more than $250,000

RCONJ474

255,295

M.2.d.

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

RCONF233

47,401

M.2.e.

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

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

Schedule RCE 35

Schedule RC-E—Continued

Memoranda—Continued

Dollar Amounts in Thousands

Bil | Mil | Thou

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

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

(1) Three months or less

RCONA579

238,515

M.3.a.(1)

(2) Over three months through 12 months

RCONA580

431,610

M.3.a.(2)

(3) Over one year through three years

RCONA581

265,878

M.3.a.(3)

(4) Over three years

RCONA582

74,552

M.3.a.(4)

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

RCONA241

622,526

M.3.b.

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

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

(1) Three months or less

RCONA584

163,070

M.4.a.(1)

(2) Over three months through 12 months

RCONA585

332,038

M.4.a.(2)

(3) Over one year through three years

RCONA586

178,981

M.4.a.(3)

(4) Over three years

RCONA587

59,050

M.4.a.(4)

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) ⁽³⁾

RCONK221

269,085

M.4.b.

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

RCONK222

226,023

M.4.c.

Yes/No

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

RCONP752

YES

M.5.

Dollar Amounts in Thousands

Bil | Mil | Thou

Memorandum items 6 and 7 are to be completed by institutions with $1 billion or more in total assets ⁽⁵⁾ that answered “Yes” to Memorandum item 5 above.

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

Total deposits in those noninterest-bearing transaction account deposit products intended primarily for individuals for personal, household, or family use

RCONP753

108,590

M.6.a.

Total deposits in those interest-bearing transaction account deposit products intended primarily for individuals for personal, household, or family use

RCONP754

227,052

M.6.b.

Total deposits in all other transaction accounts of individuals, partnerships, and corporations

RCONP755

391,638

M.6.c.

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

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

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

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

(5)	The $1 billion asset size test is generally based on the total assets reported on the June 30, 2013, Report of Condition.

Schedule RCE 36

Schedule RC-E—Continued

Memoranda—Continued

Dollar Amounts in Thousands

Bil | Mil | Thou

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

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

(1)

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

RCONP756

1,105,610

M.7.a.(1)

(2)

Deposits in all other MMDAs of individuals, partnerships, and corporations

RCONP757

1,303,217

M.7.a.(2)

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

(1)

Total deposits in those other savings deposit account deposit products intended primarily for individuals for personal, household, or family use

RCONP758

1,201,642

M.7.b.(1)

(2)

Deposits in all other savings deposit accounts of individuals, partnerships, and corporations

RCONP759

882,536

M.7.b.(2)

Schedule RCF 37

Schedule RC-F—Other Assets

Dollar Amounts in Thousands

Bil | Mil | Thou

Accrued interest receivable ⁽¹⁾

RCONB556

42,607

Net deferred tax assets ⁽²⁾

RCON2148

44,287

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

Mortgage loans

RCONA519

3.a.

Other financial assets

RCONA520

3.b.

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

RCON1752

35,922

Life insurance assets:

General account life insurance assets

RCONK201

6,607

5.a.

Separate account life insurance assets

RCONK202

5.b.

Hybrid account life insurance assets

RCONK270

5.c.

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

RCON2168

34,129

Prepaid expenses

RCON2166

6.a.

Repossessed personal property (including vehicles)

RCON1578

6.b.

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

RCONC010

6.c.

Retained interests in accrued interest receivable related to securitized credit cards

RCONC436

6.d.

FDIC loss-sharing indemnification assets

RCONJ448

26,678

6.e.

Not applicable.

TEXT3549

RCON3549

6.g.

TEXT3550

RCON3550

6.h.

TEXT3551

RCON3551

6.i.

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

RCON2160

163,552

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

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

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

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

Schedule RCG 38

Schedule RC-G—Other Liabilities

Dollar Amounts in Thousands

Bil | Mil | Thou

Interest accrued and unpaid on deposits ⁽¹⁾

RCON3645

5,157

1.a.

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

RCON3646

17,649

1.b.

Net deferred tax liabilities ⁽²⁾

RCON3049

Allowance for credit losses on off-balance sheet credit exposures

RCONB557

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

RCON2938

41,443

Accounts payable

RCON3066

4.a.

Deferred compensation liabilities

RCONC011

4.b.

Dividends declared but not yet payable

RCON2932

4.c.

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

RCONC012

19,305

4.d.

TEXT3552

RCON3552

4.e.

TEXT3553

RCON3553

4.f.

TEXT3554

RCON3554

4.g.

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

RCON2930

64,249

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

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

Schedule RCK 39

Schedule RC-K—Quarterly Averages ⁽¹⁾

Dollar Amounts in Thousands

Bil | Mil | Thou

Assets

Interest-bearing balances due from depository institutions

RCON3381

76,873

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

RCONB558

189,983

Mortgage-backed securities ⁽²⁾

RCONB559

1,152,115

All other securities (includes securities issued by states & political subdivisions in U.S.) ^(2) (3)

RCONB560

14,220

Federal funds sold and securities purchased under agreements to resell

RCON3365

Loans:

Total loans

RCON3360

6,742,946

6.a.

Loans secured by real estate:

(1)

Loans secured by 1-4 family residential properties

RCON3465

845,936

6.b.(1)

(2)

All other loans secured by real estate

RCON3466

2,361,829

6.b.(2)

Commercial and industrial loans

RCON3387

1,472,667

6.c.

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

(1)

Credit cards

RCONB561

18,202

6.d.(1)

(2)

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

RCONB562

75,640

6.d.(2)

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

Trading assets ⁽⁴⁾

RCON3401

Lease financing receivables (net of unearned income)

RCON3484

756

Total assets ⁽⁵⁾

RCON3368

9,306,080

Liabilities

10.

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

RCON3485

314,194

10.

11.

Nontransaction accounts:

Savings deposits (includes MMDAs)

RCONB563

4,645,593

11.a.

Time deposits of $100,000 or more

RCONA514

744,985

11.b.

Time deposits of less than $100,000

RCONA529

1,034,710

11.c.

12.

Federal funds purchased and securities sold under agreements to repurchase

RCON3353

186,572

12.

13.

To be completed by banks with $100 million or more in total assets: ⁽⁴⁾

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

RCON3355

490,163

13.

Memorandum

Dollar Amounts in Thousands

Bil | Mil | Thou

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

•

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

•

Loans to finance agricultural production and other loans to farmers

RCON3386

894,582

M.1.

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

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

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

(4)	The asset size tests and the 5 percent of total loans test are generally based on the total assets and total loans reported on the June 30, 2013, Report of Condition.

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

Schedule RCL 40

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

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

Dollar Amounts in Thousands

Bil | Mil | Thou

Unused commitments:

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

RCON3814

295,616

1.a.

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

(1)

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

RCONJ477

N/A

1.a.(1)

(2)

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

RCONJ478

N/A

1.a.(2)

Credit card lines

RCON3815

162,797

1.b.

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

(1)

Unused consumer credit card lines

RCONJ455

83,980

1.b.(1)

(2)

Other unused credit card lines

RCONJ456

78,817

1.b.(2)

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

(1)

Secured by real estate:

(a)

1-4 family residential construction loan commitments

RCONF164

12,196

1.c.(1)(a)

(b)

Commercial real estate, other construction loan, and land development loan commitments

RCONF165

113,161

1.c.(1)(b)

(2)

NOT secured by real estate

RCON6550

1,892

1.c.(2)

Securities underwriting

RCON3817

1.d.

Other unused commitments:

(1)

Commercial and industrial loans

RCONJ457

639,296

1.e.(1)

(2)

Loans to financial institutions

RCONJ458

1.e.(2)

(3)

All other unused commitments

RCONJ459

714,596

1.e.(3)

Financial standby letters of credit

RCON3819

51,295

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

Amount of financial standby letters of credit conveyed to others

RCON3820

2.a.

Performance standby letters of credit

RCON3821

3,085

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

Amount of performance standby letters of credit conveyed to others

RCON3822

3.a.

Commercial and similar letters of credit

RCON3411

Not applicable

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

RCON3433

Dollar Amounts in Thousands

(Column A)
Sold Protection

(Column B)
Purchased Protection

Credit derivatives:

Notional amounts:

(1)

Credit default swaps

RCONC968

RCONC969

7.a.(1)

(2)

Total return swaps

RCONC970

RCONC971

7.a.(2)

(3)

Credit options

RCONC972

RCONC973

7.a.(3)

(4)

Other credit derivatives

RCONC974

RCONC975

7.a.(4)

Gross fair values:

(1)

Gross positive fair value

RCONC219

RCONC221

7.b.(1)

(2)

Gross negative fair value

RCONC220

RCONC222

7.b.(2)

(1)	The asset size tests and the $300 million credit card lines test are generally based on the total assets and credit card lines reported in the June 30, 2013, Report of Condition.

Schedule RCL 41

Schedule RC-L—Continued

Dollar Amounts in Thousands

Bil | Mil | Thou

7.c.

Notional amounts by regulatory capital treatment: ⁽¹⁾

(1)

Positions covered under the Market Risk Rule:

(a)

Sold protection

RCONG401

7.c.(1)(a)

(b)

Purchased protection

RCONG402

7.c.(1)(b)

(2)

All other positions:

(a)

Sold protection

RCONG403

7.c.(2)(a)

(b)

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

RCONG404

7.c.(2)(b)

(c)

Purchased protection that is not recognized as a guarantee for regulatory capital purposes

RCONG405

7.c.(2)(c)

Dollar Amounts in Thousands

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

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

(Column C)
Remaining Maturity of: Over
Five Years

7.d.

Notional amounts by remaining maturity:

(1)

Sold credit protection: ⁽²⁾

(a)

Investment grade

RCONG406

RCONG407

RCONG408

7.d.(1)(a)

(b)

Subinvestment grade

RCONG409

RCONG410

RCONG411

7.d.(1)(b)

(2)

Purchased credit protection: ⁽³⁾

(a)

Investment grade

RCONG412

RCONG413

RCONG414

7.d.(2)(a)

(b)

Subinvestment grade

RCONG415

RCONG416

RCONG417

7.d.(2)(b)

Dollar Amounts in Thousands

Bil | Mil | Thou

Spot foreign exchange contracts

RCON8765

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

Securities borrowed

RCON3432

9.a.

Commitments to purchase when-issued securities

RCON3434

9.b.

Standby letters of credit issued by another party (e.g., a Federal Home Loan Bank) on the bank’s behalf

RCONC978

9.c.

TEXT3555

RCON3555

9.d.

TEXT3556

RCON3556

9.e.

TEXT3557

RCON3557

9.f.

10.

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

RCON5591

10.

Commitments to sell when-issued securities

RCON3435

10.a.

TEXT5592

RCON5592

10.b.

TEXT5593

RCON5593

10.c.

TEXT5594

RCON5594

10.d.

TEXT5595

RCON5595

10.e.

11.

Year-to-date merchant credit card sales volume:

Sales for which the reporting bank is the acquiring bank

RCONC223

11.a.

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

RCONC224

11.b.

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

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

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

Schedule RCL 42

Schedule RC-L—Continued


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
	Derivatives Position Indicators
12.	Gross amounts (e.g., notional amounts) (for each column, sum of items 12.a through 12.e must equal sum of items 13 and 14):
	a.	Futures contracts			RCON8693		RCON8694		RCON8695		RCON8696
					0		0		0		0	12.a.
	b.	Forward contracts			RCON8697		RCON8698		RCON8699		RCON8700
					28,459		0		0		0	12.b.
	c.	Exchange-traded option contracts:
		(1)	Written options		RCON8701		RCON8702		RCON8703		RCON8704
					0		0		0		0	12.c.(1)
		(2)	Purchased options		RCON8705		RCON8706		RCON8707		RCON8708
					0		0		0		0	12.c.(2)
	d.	Over-the-counter option contracts:
		(1)	Written options		RCON8709		RCON8710		RCON8711		RCON8712
					22,563		0		0		0	12.d.(1)
		(2)	Purchased options		RCON8713		RCON8714		RCON8715		RCON8716
					0		0		0		0	12.d.(2)
	e.	Swaps			RCON3450		RCON3826		RCON8719		RCON8720
					986,440		0		0		0	12.e.

13.	Total gross notional amount of derivative contracts held for trading				RCONA126		RCONA127		RCON8723		RCON8724
					0		0		0		0	13.

14.	Total gross notional amount of derivative contracts held for purposes other than trading				RCON8725		RCON8726		RCON8727		RCON8728
					1,037,462		0		0		0	14.

	a.	Interest rate swaps where the bank has agreed to pay a fixed rate			RCONA589
					986,440							14.a.
15.	Gross fair values of derivative contracts:
	a.	Contracts held for trading:
		(1)	Gross positive fair value		RCON8733		RCON8734		RCON8735		RCON8736
					0		0		0		0	15.a.(1)
		(2)	Gross negative fair value		RCON8737		RCON8738		RCON8739		RCON8740
					0		0		0		0	15.a.(2)
	b.	Contracts held for purposes other than trading:
		(1)	Gross positive fair value		RCON8741		RCON8742		RCON8743		RCON8744
					6,232		0		0		0	15.b.(1)
		(2)	Gross negative fair value		RCON8745		RCON8746		RCON8747		RCON8748
					19,305		0		0		0	15.b.(2)

Schedule RCL 43

Schedule RC-L—Continued

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

Dollar Amounts in Thousands

(Column A)
Banks and
Securities Firms

(Column B)
Monoline
Financial
Guarantors

(Column C)
Hedge Funds

(Column D)
Sovereign
Governments

(Column E)
Corporations
and All Other
Counterparties

16.

Over-the-counter derivatives:

Net current credit exposure

RCONG418

RCONG419

RCONG420

RCONG421

RCONG422

N/A

16.a.

Fair value of collateral:

(1)

Cash—U.S. dollar

RCONG423

RCONG424

RCONG425

RCONG426

RCONG427

N/A

16.b.(1)

(2)

Cash—Other currencies

RCONG428

RCONG429

RCONG430

RCONG431

RCONG432

N/A

16.b.(2)

(3)

U.S. Treasury securities

RCONG433

RCONG434

RCONG435

RCONG436

RCONG437

N/A

16.b.(3)

(4)

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

RCONG438

RCONG439

RCONG440

RCONG441

RCONG442

N/A

16.b.(4)

(5)

Corporate bonds

RCONG443

RCONG444

RCONG445

RCONG446

RCONG447

N/A

16.b.(5)

(6)

Equity securities

RCONG448

RCONG449

RCONG450

RCONG451

RCONG452

N/A

16.b.(6)

(7)

All other collateral

RCONG453

RCONG454

RCONG455

RCONG456

RCONG457

N/A

16.b.(7)

(8)

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

RCONG458

RCONG459

RCONG460

RCONG461

RCONG462

N/A

16.b.(8)

(1)	The $10 billion asset size test is generally based on the total assets reported on the June 30, 2013, Report of Condition.

Schedule RCM 44

Schedule RC-M—Memoranda

Dollar Amounts in Thousands

Bil | Mil | Thou

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

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

RCON6164

1,463

1.a.

Number

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

RCON6165

1.b.

Intangible assets other than goodwill:

Mortgage servicing assets

RCON3164

2.a.

(1)

Estimated fair value of mortgage servicing assets

RCONA590

2.a.(1)

Purchased credit card relationships and nonmortgage servicing assets

RCONB026

2.b.

All other identifiable intangible assets

RCON5507

14,229

2.c.

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

RCON0426

14,229

2.d.

Other real estate owned:

Construction, land development, and other land

RCON5508

14,421

3.a.

Farmland

RCON5509

3.b.

1-4 family residential properties

RCON5510

3,295

3.c.

Multifamily (5 or more) residential properties

RCON5511

3.d.

Nonfarm nonresidential properties

RCON5512

31,852

3.e.

Foreclosed properties from “GNMA loans”

RCONC979

3.f.

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

RCON2150

49,580

3.g.

Not applicable

Other borrowed money:

Federal Home Loan Bank advances:

(1)

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

(a)

One year or less

RCONF055

65,000

5.a.(1)(a)

(b)

Over one year through three years

RCONF056

140,000

5.a.(1)(b)

(c)

Over three years through five years

RCONF057

100,000

5.a.(1)(c)

(d)

Over five years

RCONF058

270,000

5.a.(1)(d)

(2)

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

RCON2651

65,000

5.a.(2)

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

RCONF059

5.a.(3)

Other borrowings:

(1)

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

(a)

One year or less

RCONF060

5.b.(1)(a)

(b)

Over one year through three years

RCONF061

5.b.(1)(b)

(c)

Over three years through five years

RCONF062

5.b.(1)(c)

(d)

Over five years

RCONF063

5.b.(1)(d)

(2)

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

RCONB571

5.b.(2)

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

RCON3190

575,094

5.c.

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

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

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

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

Schedule RCM 45

Schedule RC-M—Continued

Yes/No

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

RCONB569

YES

Dollar Amounts in Thousands

Bil | Mil | Thou

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

RCONB570

Internet Website addresses and physical office trade names:

Uniform Resource Locator (URL) of the reporting institution’s primary Internet Website (home page), if any (Example: www.examplebank.com):

. http://

TEXT4087

www.greatwesternbank.com

8.a.

URLs of all other public-facing Internet Websites that the reporting institution uses to accept or solicit deposits from the public, if any:

(Example: www.examplebank.biz): ⁽¹⁾

(1) http://

TE01N528

8.b.(1)

(2) http://

TE02N528

8.b.(2)

(3) http://

TE03N528

8.b.(3)

(4) http://

TE04N528

8.b.(4)

(5) http://

TE05N528

8.b.(5)

(6) http://

TE06N528

8.b.(6)

(7) http://

TE07N528

8.b.(7)

(8) http://

TE08N528

8.b.(8)

(9) http://

TE09N528

8.b.(9)

(10) http://

TE10N528

8.b.(10)

Trade names other than the reporting institution’s legal title used to identify one or more of the institution’s physical offices at which deposits are accepted or solicited from the public, if any:

(1)

TE01N529

8.c.(1)

(2)

TE02N529

8.c.(2)

(3)

TE03N529

8.c.(3)

(4)

TE04N529

8.c.(4)

(5)

TE05N529

8.c.(5)

(6)

TE06N529

8.c.(6)

Yes/No

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

RCON4088

YES

Dollar Amounts in Thousands

Bil | Mil | Thou

10.

Secured liabilities:

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

RCONF064

10.a.

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

RCONF065

10.b.

Yes/No

11.

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

RCONG463

YES

11.

(1)	Report only highest level URLs (for example, report www.examplebank.biz, but do not also report www.examplebank.biz/checking). Report each top level domain name used (for example, report both www.examplebank.biz and www.examplebank.net).

Schedule RCM 46

Schedule RC-M—Continued

Yes/No

12.

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

RCONG464

12.

Dollar Amounts in Thousands

Bil | Mil | Thou

13.

Assets covered by loss-sharing agreements with the FDIC:

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

(1)

Loans secured by real estate:

(a)

Construction, land development, and other land loans:

(1)

1-4 family residential construction loans

RCONK169

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

(2)

Other construction loans and all land development and other land loans

RCONK170

15,451

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

(b)

Secured by farmland

RCONK171

1,996

13.a.(1)(b)

(c)

Secured by 1-4 family residential properties:

(1)

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

RCONK172

19,912

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

(2)

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

(a)

Secured by first liens

RCONK173

86,865

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

(b)

Secured by junior liens

RCONK174

20,338

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

(d)

Secured by multifamily (5 or more) residential properties

RCONK175

24,085

13.a.(1)(d)

(e)

Secured by nonfarm nonresidential properties:

(1)

Loans secured by owner-occupied nonfarm nonresidential properties

RCONK176

25,109

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

(2)

Loans secured by other nonfarm nonresidential properties

RCONK177

30,823

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

(2)

Not applicable

(3)

Commercial and industrial loans

RCONK179

9,359

13.a.(3)

(4)

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

(a)

Credit cards

RCONK180

13.a.(4)(a)

(b)

Automobile loans

RCONK181

13.a.(4)(b)

(c)

Other (includes revolving credit plans other than credit cards and other consumer loans)

RCONK182

13.a.(4)(c)

(5)

All other loans and all leases

RCONK183

13.a.(5)

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

(a)

Loans to depository institutions and acceptances of other banks

RCONK184

13.a.(5)(a)

(b)

Loans to foreign governments and official institutions

RCONK185

13.a.(5)(b)

(c)

Other loans ⁽¹⁾

RCONK186

13.a.(5)(c)

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

•

Banks with $300 million or more in total assets

•

Banks with less than $300 million in total assets that have loans to finance agricultural production & other loans to farmers (Schedule RC-C, part I, item 3 exceeding 5% of total loans

(1)

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

RCONK178

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

(d)

Lease financing receivables

RCONK273

13.a.(5)(d)

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

(1)

Construction, land development, and other land

RCONK187

6,016

13.b.(1)

(2)

Farmland

RCONK188

13.b.(2)

(3)

1-4 family residential properties

RCONK189

671

13.b.(3)

(4)

Multifamily (5 or more) residential properties

RCONK190

13.b.(4)

(5)

Nonfarm nonresidential properties

RCONK191

3,893

13.b.(5)

(6)

Not applicable

(7)

Portion of covered other real estate owned included in items 13.b.(1) through (5) above that is protected by FDIC loss-sharing agreements

RCONK192

8,473

13.b.(7)

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

(2)	The $300 million asset size test and the 5 percent of total loans test are generally based on the total assets and total loans reported on the June 30, 2013, Report of Condition.

Schedule RCM 47

Schedule RC-M—Continued

Dollar Amounts in Thousands

Bil | Mil | Thou

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

RCONJ461

13.c.

Other assets (exclude FDIC loss-sharing indemnification assets)

RCONJ462

13.d.

14.

Captive insurance and reinsurance subsidiaries:

Total assets of captive insurance subsidiaries ⁽¹⁾

RCONK193

14.a.

Total assets of captive reinsurance subsidiaries ⁽¹⁾

RCONK194

466

14.b.

Number

Item 15 is to be completed by institutions that are required or have elected to be treated as a Qualified Thrift Lender.

15.

Qualified Thrift Lender (QTL) test:

Does the institution use the Home Owner’s Loan Act (HOLA) QTL test or the Internal Revenue Service Domestic Building and Loan Association (IRS DBLA) test to determine its QTL compliance? (for the HOLA QTL test, enter 1; for the IRS DBLA test, enter 2)

RCONL133

N/A

15.a.

Yes/No

Has the institution been in compliance with the HOLA QTL test as of each month end during the quarter or the IRS DBLA test for its most recent taxable year, as applicable?

RCONL135

N/A

15.b.

Item 16.a and, if appropriate, items 16.c and 16.d are to be completed semiannually in the June and December reports only. Item 16.b is to be completed annually in the June report only.

16.

International remittance transfers offered to consumers: ⁽²⁾

As of the report date, did your institution offer to consumers in any state any of the following mechanisms for sending international remittance transfers?

(1)

International wire transfers

RCONN517

N/A

16.a.(1)

(2)

International ACH transactions

RCONN518

N/A

16.a.(2)

(3)

Other proprietary services operated by your institution

RCONN519

N/A

16.a.(3)

(4)

Other proprietary services operated by another party

RCONN520

N/A

16.a.(4)

Did your institution provide more than 100 international remittance transfers in the previous calendar year or does your institution estimate that it will provide more than 100 international remittance transfers in the current calendar year?

RCONN521

N/A

16.b.

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

(2)

Report information about international electronic transfers of funds offered to consumers in the United States that: (a) are “remittance transfers” as defined by subpart B of Regulation E (12 CFR Section 1005.30(e)), or (b) would qualify as “remittance transfers” under subpart B of Regulation E (12 CFR Section 1005.30(e)) but are excluded from that definition only because the provider is not providing those transfers in the normal course of its business. See 12 CFR Section 1005.30(f). For purposes of this item 16, such transfers are referred to as international remittance transfers. Exclude transfers sent by your institution as a correspondent bank for other providers. With the exception of item 16.a.(4), report information only about transfers for which the reporting institution is the provider. For item 16.a.(4), report information about transfers for which another party is the provider, and the reporting institution is an agent or a similar type of business partner interacting with the consumers sending the international remittance transfers.

Schedule RCM 48

Schedule RC-M—Continued

Number

Items 16.c and 16.d are to be completed by institutions that answered “Yes” to item 16.b in the current report or, if item 16.b is not required to be completed in the current report, in the most recent prior report in which item 16.b was required to be completed.

Indicate which of the mechanisms described in items 16.a.(1), (2), and (3) above is the mechanism that your institution estimates accounted for the largest number of international remittance transfers your institution provided during the two calendar quarters ending on the report date.

(For international wire transfers, enter 1; for international ACH transactions, enter 2; for other proprietary services operated by your institution, enter 3. If your institution did not provide any international remittance transfers using the mechanism described in items 16.a.(1), (2), and (3) above during the two calendar quarters ending on the report date, enter 0.)

RCONN522

16.c.

Estimated number and dollar value of international remittance transfers provided by your institution during the two calendar quarters ending on the report date:

(1)

Estimated number of international remittance transfers

RCONN523

16.d.(1)

Bil | Mil | Thou

(2)

Estimated dollar value of international remittance transfers

RCONN524

16.d.(2)

Number

(3)

Estimated number of international remittance transfers for which your institution applied the temporary exception

RCONN527

16.d.(3)

Schedule RCN 49

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


Dollar Amounts in Thousands					(Column A) Past due 30 through 89 days and still accruing		(Column B) Past due 90 days or more and still accruing		(Column C) Nonaccrual
1.	Loans secured by real estate:
	a.	Construction, land development, and other land loans:
		(1)	1-4 family residential construction loans		RCONF172	0	RCONF174	0	RCONF176	163	1.a.(1)
		(2)	Other construction loans and all land development and other land loans		RCONF173	0	RCONF175	0	RCONF177	7,573	1.a.(2)
	b.	Secured by farmland			RCON3493	7	RCON3494	0	RCON3495	4,593	1.b.
	c.	Secured by 1-4 family residential properties:
		(1)	Revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit		RCON5398	803	RCON5399	33	RCON5400	2,160	1.c.(1)
		(2)	Closed-end loans secured by 1-4 family residential properties:
			(a)	Secured by first liens	RCONC236	1,307	RCONC237	0	RCONC229	12,870	1.c.(2)(a)
			(b)	Secured by junior liens	RCONC238	731	RCONC239	0	RCONC230	2,311	1.c.(2)(b)
	d.	Secured by multifamily (5 or more) residential properties			RCON3499	228	RCON3500	0	RCON3501	1,967	1.d.
	e.	Secured by nonfarm nonresidential properties:
		(1)	Loans secured by owner-occupied nonfarm nonresidential properties		RCONF178	68	RCONF180	0	RCONF182	20,391	1.e.(1)
		(2)	Loans secured by other nonfarm nonresidential properties		RCONF179	23	RCONF181	0	RCONF183	12,831	1.e.(2)
2.	Loans to depository institutions and acceptances of other banks				RCONB834	0	RCONB835	0	RCONB836	0	2.
3.	Not applicable
4.	Commercial and industrial loans.				RCON1606	5,480	RCON1607	2	RCON1608	7,034	4.
5.	Loans to individuals for household, family, and other personal expenditures:
	a.	Credit cards			RCONB575	153	RCONB576	210	RCONB577	0	5.a.
	b.	Automobile loans			RCONK213	158	RCONK214	0	RCONK215	66	5.b.
	c.	Other (includes revolving credit plans other than credit cards and other consumer loans)			RCONK216	96	RCONK217	0	RCONK218	81	5.c.
6.	Loans to foreign governments and official institutions				RCON5389	0	RCON5390	0	RCON5391	0	6.
7.	All other loans ⁽¹⁾				RCON5459	128	RCON5460	0	RCON5461	6,860	7.
8.	Lease financing receivables				RCON1226	0	RCON1227	0	RCON1228	0	8.
9.	Debt securities and other assets (exclude other real estate owned and other repossessed assets)				RCON3505	0	RCON3506	0	RCON3507	0	9.

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

Schedule RCN 50

Schedule RC-N—Continued

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

Dollar Amounts in Thousands

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

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

(Column C)
Nonaccrual

10.

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

RCONK036

RCONK037

RCONK038

3,273

10.

Guaranteed portion of loans and leases included in item 10 above, excluding rebooked “GNMA loans”

RCONK039

RCONK040

RCONK041

2,576

10.a.

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

RCONK042

RCONK043

RCONK044

10.b.

11.

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

Loans secured by real estate:

(1)

Construction, land development, and other land loans:

(a)

1-4 family residential construction loans

RCONK045

RCONK046

RCONK047

11.a.(1)(a)

(b)

Other construction loans and all land development and other land loans

RCONK048

RCONK049

RCONK050

7,412

11.a.(1)(b)

(2)

Secured by farmland

RCONK051

RCONK052

RCONK053

11.a.(2)

(3)

Secured by 1-4 family residential properties:

(a)

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

RCONK054

559

RCONK055

RCONK056

1,283

11.a.(3)(a)

(b)

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

(1)

Secured by first liens

RCONK057

1,058

RCONK058

RCONK059

7,864

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

(2)

Secured by junior liens

RCONK060

195

RCONK061

RCONK062

1,685

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

(4)

Secured by multifamily (5 or more) residential properties

RCONK063

RCONK064

RCONK065

1,967

11.a.(4)

(5)

Secured by nonfarm nonresidential properties:

(a)

Loans secured by owner-occupied nonfarm nonresidential properties

RCONK066

RCONK067

RCONK068

3,703

11.a.(5)(a)

(b)

Loans secured by other nonfarm nonresidential properties

RCONK069

RCONK070

RCONK071

8,913

11.a.(5)(b)

Not applicable

Commercial and industrial loans

RCONK075

484

RCONK076

RCONK077

2,126

11.c.

Schedule RCN 51

Schedule RC-N—Continued

Dollar Amounts in Thousands

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

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

(Column C)
Nonaccrual

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

(1)

Credit cards

RCONK078

RCONK079

RCONK080

11.d.(1)

(2)

Automobile loans

RCONK081

RCONK082

RCONK083

11.d.(2)

(3)

Other (includes revolving credit plans other than credit cards and other consumer loans)

RCONK084

RCONK085

RCONK086

11.d.(3)

All other loans and all leases

RCONK087

RCONK088

RCONK089

11.e.

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

(1)

Loans to depository institutions & acceptances of other banks

RCONK091

RCONK092

RCONK093

11.e.(1)

(2)

Loans to foreign governments and official institutions

RCONK095

RCONK096

RCONK097

11.e.(2)

(3)

Other loans ⁽¹⁾

RCONK099

RCONK100

RCONK101

11.e.(3)

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

•

Banks with $300 million or more in total assets

•

Banks with less than $300 million in total assets that have loans to finance agricultural production and other loans to farmers (Schedule RC-C, part I, item 3) exceeding 5 percent of total loans

(a)

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

RCONK072

RCONK073

RCONK074

11.e.(3)(a)

(4)

Lease financing receivables

RCONK269

RCONK271

RCONK272

11.e.(4)

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

RCONK102

1,860

RCONK103

RCONK104

27,967

11.f.

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

(2)	The $300 million asset size test and the 5 percent of total loans test are generally based on the total assets and total loans reported on the June 30, 2013, Report of Condition.

Schedule RCN 52

Schedule RC-N—Continued

Memoranda

Dollar Amounts in Thousands

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

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

(Column C)
Nonaccrual

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):

Construction, land development, and other land loans:

(1)

1-4 family residential construction loans

RCONK105

RCONK106

RCONK107

163

M.1.a.(1)

(2)

Other construction loans and all land development and other land loans

RCONK108

RCONK109

RCONK110

M.1.a.(2)

Loans secured by 1-4 family residential properties

RCONF661

375

RCONF662

RCONF663

1,436

M.1.b.

Secured by multifamily (5 or more) residential properties

RCONK111

RCONK112

RCONK113

M.1.c.

Secured by nonfarm nonresidential properties:

(1)

Loans secured by owner-occupied nonfarm nonresidential properties

RCONK114

RCONK115

RCONK116

1,508

M.1.d.(1)

(2)

Loans secured by other nonfarm nonresidential properties

RCONK117

RCONK118

RCONK119

4,159

M.1.d.(2)

Commercial and industrial loans

RCONK257

RCONK258

RCONK259

1,750

M.1.e.

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

(1)

To U.S. addressees (domicile)

RCONK120

RCONK121

RCONK122

1,750

M.1.e.(1)

(2)

To non-U.S. addressees (domicile)

RCONK123

RCONK124

RCONK125

M.1.e.(2)

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

RCONK126

RCONK127

RCONK128

9,964

M.1.f.

(1)	The $300 million asset size test is generally based on the total assets reported on the June 30, 2013, Report of Condition.

Schedule RCN 53

Schedule RC-N—Continued

Memoranda—Continued

Dollar Amounts in Thousands

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

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

(Column C)
Nonaccrual

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

(1)

Loans secured by farmland

RCONK130

RCONK131

RCONK132

3,617

M.1.f.(1)

(2)

Loans to depository institutions & acceptances of other banks

RCONK134

RCONK135

RCONK136

M.1.f.(2)

(3)

Not applicable

(4)

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

(a)

Credit cards

RCONK274

RCONK275

RCONK276

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

(b)

Automobile loans

RCONK277

RCONK278

RCONK279

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

(c)

Other (includes revolving credit plans other than credit cards and other consumer loans)

RCONK280

RCONK281

RCONK282

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

(5)

Loans to foreign governments and official institutions

RCONK283

RCONK284

RCONK285

M.1.f.(5)

(6)

Other loans ⁽¹⁾

RCONK286

RCONK287

RCONK288

6,329

M.1.f.(6)

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

•

Banks with $300 million or more in total assets

•

Banks with less than $300 million in total assets that have loans to finance agricultural production and other loans to farmers (Schedule RC-C, Part I, item 3) exceeding 5 percent of total loans

(a)

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

RCONK138

RCONK139

RCONK140

6,329

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

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

RCON6558

RCON6559

RCON6560

M.2.

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

(2)	The $300 million asset size test and the 5 percent of total loans test are generally based on the total assets and total loans reported on the June 30, 2013, Report of Condition.

Schedule RCN 54

Schedule RC-N—Continued

Memoranda—Continued

Dollar Amounts in Thousands

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

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

(Column C)
Nonaccrual

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

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.

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

RCON5380

RCON5381

RCON5382

M.3.b.

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

RCON1254

RCON1255

RCON1256

M.3.c.

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

RCONF166

RCONF167

RCONF168

M.3.d.

Memo item 4 is to be completed by:

•

Banks with $300 million or more in total assets

•

Banks with less than $300 million in total assets that have loans to finance agricultural production and other loans to farmers (Schedule RC-C, part I, item 3) exceeding 5 percent of total loans: ⁽¹⁾

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

RCON1594

RCON1597

RCON1583

M.4.

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

Loans and leases held for sale

RCONC240

RCONC241

RCONC226

M.5.a.

Loans measured at fair value:

(1)

Fair value

RCONF664

RCONF665

RCONF666

M.5.b.(1)

(2)

Unpaid principal balance

RCONF667

RCONF668

RCONF669

M.5.b.(2)

Dollar Amounts in Thousands

(Column A)
Past due 30 through 89 days

(Column B)
Past due 90 days or more

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

Derivative contracts: Fair value of amounts carried as assets

RCON3529

RCON3530

M.6.

Dollar Amounts in Thousands

Bil | Mil | Thou

Additions to nonaccrual assets during the quarter

RCONC410

15,405

M.7.

Nonaccrual assets sold during the quarter

RCONC411

M.8.

(1)	The $300 million asset size test and the 5 percent of total loans test are generally based on the total assets and total loans reported on the June 30, 2013, Report of Condition.

Schedule RCN 55

Schedule RC-N—Continued

Memoranda—Continued

Dollar Amounts in Thousands

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

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

(Column C)
Nonaccrual

Purchased credit-impaired loans accounted for in accordance with FASB ASC 310-30 (former AICPA Statement of Position 03-3):

Outstanding balance

RCONL183

2,203

RCONL184

RCONL185

32,257

M.9.a.

Carrying amount included in Schedule RC-N, items 1 through 7, above

RCONL186

1,693

RCONL187

RCONL188

28,529

M.9.b.

Schedule RCO 56

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

All FDIC-insured depository institutions must complete items 1 and 2, 4 through 9, 10, 11, Memorandum item 1, and, if applicable, item 9.a, Memorandum items 2, 3, and 6 through 18 each quarter. Unless otherwise indicated, complete items 1 through 11 and Memorandum items 1 through 3 on an “unconsolidated single FDIC certificate number basis” (see instructions) and complete Memorandum items 6 through 18 on a fully consolidated basis.

Dollar Amounts in Thousands

Bil | Mil | Thou

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

RCONF236

7,063,090

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

RCONF237

Not applicable

Average consolidated total assets for the calendar quarter

RCONK652

9,306,080

Number

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

RCONK653

4.a.

Average tangible equity for the calendar quarter ⁽¹⁾

RCONK654

828,328

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

RCONK655

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):

One year or less

RCONG465

7.a.

Over one year through three years

RCONG466

7.b.

Over three years through five years

RCONG467

7.c.

Over five years

RCONG468

7.d.

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

One year or less

RCONG469

8.a.

Over one year through three years

RCONG470

8.b.

Over three years through five years

RCONG471

8.c.

Over five years

RCONG472

8.d.

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

RCONG803

Item 9.a is to be completed on a fully consolidated basis by all institutions that own another insured depository institution.

Fully consolidated reciprocal brokered deposits

RCONL190

N/A

9.a.

Yes/No

10.

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

RCONK656

10.

Dollar Amounts in Thousands

Bil | Mil | Thou

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

Banker’s bank deduction

RCONK657

N/A

10.a.

Banker’s bank deduction limit

RCONK658

N/A

10.b.

Yes/No

11.

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

RCONK659

11.

Dollar Amounts in Thousands

Bil | Mil | Thou

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

Custodial bank deduction

RCONK660

N/A

11.a.

Custodial bank deduction limit

RCONK661

N/A

11.b.

(1)

See instructions for averaging methods. Tangible equity is defined as Tier 1 capital as set forth in the banking agencies’ regulatory capital standards and reported in Schedule RC-R, Part I.B, item 26, by advanced approaches institutions and in Schedule RC-R, Part I.A, item 11, by all institutions, except as described in the instructions.

Schedule RCO 57

Schedule RC-O—Continued

Memoranda

Dollar Amounts in Thousands

Bil | Mil | Thou

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):

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

(1)

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

RCONF049

4,079,924

M.1.a.(1)

Number

(2)

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

RCONF050

428355

M.1.a.(2)

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

(1)

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

RCONF051

2,410,670

M.1.b.(1)

Number

(2)

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

RCONF052

2132

M.1.b.(2)

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

(1)

Amount of retirement deposit accounts of $250,000 or less

RCONF045

566,865

M.1.c.(1)

Number

(2)

Number of retirement deposit accounts of $250,000 or less

RCONF046

13576

M.1.c.(2)

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

(1)

Amount of retirement deposit accounts of more than $250,000

RCONF047

5,630

M.1.d.(1)

Number

(2)

Number of retirement deposit accounts of more than $250,000

RCONF048

M.1.d.(2)

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

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

RCON5597

1,980,584

M.2.

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? If so, report the legal title and FDIC Certificate Number of the parent bank or parent savings association:

Legal title

TEXTA545

M.3.a.

FDIC Certificate Number

RCONA545

M.3.b.

and 5. Not applicable

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

(2)	The $1 billion asset size test is generally based on the total assets reported on the June 30, 2013, Report of Condition.

(3)	Uninsured deposits should be estimated based on the deposit insurance limits set forth in Memorandum items 1.a through 1.d.

Schedule RCO 58

Schedule RC-O—Continued

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

Memoranda—Continued

Dollar Amounts in Thousands

Bil | Mil | Thou

Memorandum items 6 through 12 are to be completed by “large institutions” and “highly complex institutions” as defined in FDIC regulations.

Criticized and classified items:

Special mention

RCONK663

CONF

M.6.a.

Substandard

RCONK664

CONF

M.6.b.

Doubtful

RCONK665

CONF

M.6.c.

Loss

RCONK666

CONF

M.6.d.

“Nontraditional 1-4 family residential mortgage loans” as defined for assessment purposes only in FDIC regulations:

Nontraditional 1-4 family residential mortgage loans

RCONN025

CONF

M.7.a.

Securitizations of nontraditional 1-4 family residential mortgage loans

RCONN026

CONF

M.7.b.

“Higher-risk consumer loans” as defined for assessment purposes only in FDIC regulations:

Higher-risk consumer loans

RCONN027

CONF

M.8.a.

Securitizations of higher-risk consumer loans

RCONN028

CONF

M.8.b.

“Higher-risk commercial and industrial loans and securities” as defined for assessment purposes only in FDIC regulations:

Higher-risk commercial and industrial loans and securities

RCONN029

CONF

M.9.a.

Securitizations of higher-risk commercial and industrial loans and securities

RCONN030

CONF

M.9.b.

10.

Commitments to fund construction, land development, and other land loans secured by real estate:

Total unfunded commitments

RCONK676

N/A

M.10.a.

Portion of unfunded commitments guaranteed or insured by the U.S. government (including the FDIC)

RCONK677

N/A

M.10.b.

11.

Amount of other real estate owned recoverable from the U.S. government under guarantee or insurance provisions (excluding FDIC loss-sharing agreements)

RCONK669

N/A

M.11.

12.

Nonbrokered time deposits of more than $250,000 (included in Schedule RC-E, Memorandum item 2.d)

RCONK678

N/A

M.12.

Memorandum item 13.a is to be completed by “large institutions” and “highly complex institutions “as defined in FDIC regulations. Memorandum items 13.b through 13.h are to be completed by “large institutions” only.

13.

Portion of funded loans and securities guaranteed or insured by the U.S. government (including FDIC loss-sharing agreements):

Construction, land development, and other land loans secured by real estate

RCONN177

N/A

M.13.a.

Loans secured by multifamily residential and nonfarm nonresidential properties

RCONN178

N/A

M.13.b.

Closed-end loans secured by first liens on 1-4 family residential properties

RCONN179

N/A

M.13.c.

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

RCONN180

N/A

M.13.d.

Commercial and industrial loans

RCONN181

N/A

M.13.e.

Credit card loans to individuals for household, family, and other personal expenditures

RCONN182

N/A

M.13.f.

All other loans to individuals for household, family, and other personal expenditures

RCONN183

N/A

M.13.g.

Non-agency residential mortgage-backed securities

RCONM963

N/A

M.13.h.

Memorandum items 14 and 15 are to be completed by “highly complex institutions” as defined in FDIC regulations.

14.

Amount of the institution’s largest counterparty exposure

RCONK673

CONF

M.14.

15.

Total amount of the institution’s 20 largest counterparty exposures

RCONK674

CONF

M.15.

Schedule RCO 59

Schedule RC-O—Continued

Memoranda—Continued

Dollar Amounts in Thousands

Bil | Mil | Thou

Memorandum item 16 is to be completed by “large institutions” and “highly complex institutions” as defined in FDIC regulations.

16.

Portion of loans restructured in troubled debt restructurings that are in compliance with their modified terms and are guaranteed or insured by the U.S. government (including the FDIC) (included in Schedule RC-C, part I, Memorandum item 1)

RCONL189

N/A

M.16.

Memorandum item 17 is to be completed on a fully consolidated basis by those “large institutions” and “highly complex institutions” as defined in FDIC regulations that own another insured depository institution.

17.

Selected fully consolidated data for deposit insurance assessment purposes:

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

RCONL194

N/A

M.17.a.

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

RCONL195

N/A

M.17.b.

Unsecured “Other borrowings” with a remaining maturity of one year or less

RCONL196

N/A

M.17.c.

Estimated amount of uninsured deposits, including related interest accrued and unpaid

RCONL197

N/A

M.17.d.

Schedule RCO 60

Schedule RC-O—Continued

Memoranda—Continued

Memorandum item 18 is to be completed by “large institutions” and “highly complex institutions” as defined in FDIC regulations. Amounts reported in Memorandum item 18 will not be made available to the public on an individual institution basis.

Dollar Amounts in Thousands

(Column A)
Two-Year
Probability of
Default (PD)
<= 1%

(Column B)
Two-Year
Probability of
Default (PD)
1.01 - 4%

(Column C)
Two-Year
Probability of
Default (PD)
4.01 - 7%

(Column D)
Two-Year
Probability of
Default (PD)
7.01 - 10%

(Column E)
Two-Year
Probability of
Default (PD)
10.01 - 14%

18.

Outstanding balance of 1-4 family residential mortgage loans, consumer loans, and consumer leases by two-year probability of default:

“Nontraditional 1-4 family residential mortgage loans” as defined for assessment purposes only in FDIC regulations

RCONM964

RCONM965

RCONM966

RCONM967

RCONM968

CONF

M.18.a.

Closed-end loans secured by first liens on 1-4 family residential properties

RCONM979

RCONM980

RCONM981

RCONM982

RCONM983

CONF

M.18.b.

Closed-end loans secured by junior liens on 1-4 family residential properties

RCONM994

RCONM995

RCONM996

RCONM997

RCONM998

CONF

M.18.c.

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

RCONN010

RCONN011

RCONN012

RCONN013

RCONN014

CONF

M.18.d.

Credit cards

RCONN040

RCONN041

RCONN042

RCONN043

RCONN044

CONF

M.18.e.

Automobile loans

RCONN055

RCONN056

RCONN057

RCONN058

RCONN059

CONF

M.18.f.

Student loans

RCONN070

RCONN071

RCONN072

RCONN073

RCONN074

CONF

M.18.g.

Other consumer loans and revolving credit plans other than credit cards

RCONN085

RCONN086

RCONN087

RCONN088

RCONN089

CONF

M.18.h.

Consumer leases

RCONN100

RCONN101

RCONN102

RCONN103

RCONN104

CONF

M.18.i.

Total

RCONN115

RCONN116

RCONN117

RCONN118

RCONN119

CONF

M.18.j.

Schedule RCO 61

Schedule RC-O—Continued

Memoranda—Continued

Dollar Amounts in Thousands

(Column F)
Two-Year
Probability of
Default (PD)
14.01 - 16%

(Column G)
Two-Year
Probability of
Default (PD)
16.01 - 18%

(Column H)
Two-Year
Probability of
Default (PD)
18.01 - 20%

(Column I)
Two-Year
Probability of
Default (PD)
20.01 - 22%

(Column J)
Two-Year
Probability of
Default (PD)
22.01 - 26%

18.

Outstanding balance of 1-4 family residential mortgage loans, consumer loans, and consumer leases by two-year probability of default (continued):

“Nontraditional 1-4 family residential mortgage loans” as defined for assessment purposes only in FDIC regulations

RCONM969

RCONM970

RCONM971

RCONM972

RCONM973

CONF

M.18.a.

Closed-end loans secured by first liens on 1-4 family residential properties

RCONM984

RCONM985

RCONM986

RCONM987

RCONM988

CONF

M.18.b.

Closed-end loans secured by junior liens on 1-4 family residential properties

RCONM999

RCONN001

RCONN002

RCONN003

RCONN004

CONF

M.18.c.

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

RCONN015

RCONN016

RCONN017

RCONN018

RCONN019

CONF

M.18.d.

Credit cards

RCONN045

RCONN046

RCONN047

RCONN048

RCONN049

CONF

M.18.e.

Automobile loans

RCONN060

RCONN061

RCONN062

RCONN063

RCONN064

CONF

M.18.f.

Student loans

RCONN075

RCONN076

RCONN077

RCONN078

RCONN079

CONF

M.18.g.

Other consumer loans and revolving credit plans other than credit cards

RCONN090

RCONN091

RCONN092

RCONN093

RCONN094

CONF

M.18.h.

Consumer leases

RCONN105

RCONN106

RCONN107

RCONN108

RCONN109

CONF

M.18.i.

Total

RCONN120

RCONN121

RCONN122

RCONN123

RCONN124

CONF

M.18.j.

Schedule RCO 62

Schedule RC-O—Continued

Memoranda—Continued

Dollar Amounts in Thousands

(Column K)
Two-Year
Probability of
Default (PD)
26.01 - 30%

(Column L)
Two-Year
Probability of
Default (PD)
> 30%

(Column M)
Two-Year
Probability of
Default (PD)
Unscoreable

(Column N)
Two-Year
Probability of
Default (PD)
Total

(Column O)
PDs Were
Derived Using
(1)

18.

Outstanding balance of 1-4 family residential mortgage loans, consumer loans, and consumer leases by two-year probability of default (continued):

“Nontraditional 1-4 family residential mortgage loans” as defined for assessment purposes only in FDIC regulations

RCONM974

RCONM975

RCONM976

RCONM977

RCONM978

CONF

CONF

CONF

M.18.a.

Closed-end loans secured by first liens on 1-4 family residential properties

RCONM989

RCONM990

RCONM991

RCONM992

RCONM993

CONF

CONF

CONF

M.18.b.

Closed-end loans secured by junior liens on 1-4 family residential properties

RCONN005

RCONN006

RCONN007

RCONN008

RCONN009

CONF

CONF

CONF

M.18.c.

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

RCONN020

RCONN021

RCONN022

RCONN023

RCONN024

CONF

CONF

CONF

M.18.d.

Credit cards

RCONN050

RCONN051

RCONN052

RCONN053

RCONN054

CONF

CONF

CONF

M.18.e.

Automobile loans

RCONN065

RCONN066

RCONN067

RCONN068

RCONN069

CONF

CONF

CONF

M.18.f.

Student loans

RCONN080

RCONN081

RCONN082

RCONN083

RCONN084

CONF

CONF

CONF

M.18.g.

Other consumer loans and revolving credit plans other than credit cards

RCONN095

RCONN096

RCONN097

RCONN098

RCONN099

CONF

CONF

CONF

M.18.h.

Consumer leases

RCONN110

RCONN111

RCONN112

RCONN113

RCONN114

CONF

CONF

CONF

M.18.i.

Total

RCONN125

RCONN126

RCONN127

RCONN128

CONF

M.18.j.

(1)

For PDs derived using scores and default rate mappings provided by a third-party vendor, enter 1; for PDs derived using an internal approach, enter 2; for PDs derived using third-party vendor mappings for some loans within a product type and an internal approach for other loans within the same product type, enter 3. If the total reported in column N for a product type is zero, enter 0.

Schedule RCP 63

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

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

Dollar Amounts in Thousands

Bil | Mil | Thou

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

Closed-end first liens

RCONF066

65,595

1.a.

Closed-end junior liens

RCONF067

1.b.

Open-end loans extended under lines of credit:

(1)

Total commitment under the lines of credit

RCONF670

1.c.(1)

(2)

Principal amount funded under the lines of credit

RCONF671

1.c.(2)

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

Closed-end first liens

RCONF068

2.a.

Closed-end junior liens

RCONF069

2.b.

Open-end loans extended under lines of credit:

(1)

Total commitment under the lines of credit

RCONF672

2.c.(1)

(2)

Principal amount funded under the lines of credit

RCONF673

2.c.(2)

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

Closed-end first liens

RCONF070

66,316

3.a.

Closed-end junior liens

RCONF071

3.b.

Open-end loans extended under lines of credit:

(1)

Total commitment under the lines of credit

RCONF674

3.c.(1)

(2)

Principal amount funded under the lines of credit

RCONF675

3.c.(2)

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

Closed-end first liens

RCONF072

10,238

4.a.

Closed-end junior liens

RCONF073

4.b.

Open-end loans extended under lines of credit:

(1)

Total commitment under the lines of credit

RCONF676

4.c.(1)

(2)

Principal amount funded under the lines of credit

RCONF677

4.c.(2)

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

Closed-end 1-4 family residential mortgage loans

RIADF184

706

5.a.

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

RIADF560

5.b.

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

Closed-end first liens

RCONF678

191

6.a.

Closed-end junior liens

RCONF679

6.b.

Open-end loans extended under lines of credit:

(1)

Total commitment under the lines of credit

RCONF680

6.c.(1)

(2)

Principal amount funded under the lines of credit

RCONF681

6.c.(2)

Representation and warranty reserves for 1-4 family residential mortgage loans sold:

For representations and warranties made to U.S. government agencies and government-sponsored agencies

RCONL191

CONF

7.a.

For representations and warranties made to other parties

RCONL192

CONF

7.b.

Total representation and warranty reserves (sum of items 7.a and 7.b)

RCONM288

526

7.c.

(1)	The $1 billion asset size test is generally based on the total assets reported on the June 30, 2013, Report of Condition.

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

Schedule RCQ 64

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

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

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

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

(a)

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

(b)

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


Dollar Amounts in Thousands				(Column A) Total Fair Value Reported on Schedule RC		(Column B) LESS: Amounts Netted in the Determination of Total Fair Value		(Column C) Level 1 Fair Value Measurements		(Column D) Level 2 Fair Value Measurements		(Column E) Level 3 Fair Value Measurements
	Assets
1.	Available-for-sale securities				RCON1773		RCONG474		RCONG475		RCONG476		RCONG477
					1,341,019		0		0		1,341,019		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
					0		0		0		0		0	3.
4.	Loans and leases held for investment				RCONG488		RCONG489		RCONG490		RCONG491		RCONG492
					986,440		0		0		986,440		0	4.
5.	Trading assets:
	a.	Derivative assets			RCON3543		RCONG493		RCONG494		RCONG495		RCONG496
					0		0		0		0		0	5.a.
	b.	Other trading assets			RCONG497		RCONG498		RCONG499		RCONG500		RCONG501
					0		0		0		0		0	5.b.
		(1)	Nontrading securities at fair value with changes in fair value reported in current earnings (included in Schedule RC-Q, item 5.b, above)		RCONF240		RCONF684		RCONF692		RCONF241		RCONF242
					0		0		0		0		0	5.b.(1)
6.	All other assets				RCONG391		RCONG392		RCONG395		RCONG396		RCONG804
					6,213		0		0		6,213		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
					2,333,672		0		0		2,333,672		0	7.

Schedule RCQ 65

Schedule RC-Q—Continued


Dollar Amounts in Thousands			(Column A) Total Fair Value Reported on Schedule RC		(Column B) LESS: Amounts Netted in the Determination of Total Fair Value		(Column C) Level 1 Fair Value Measurements		(Column D) Level 2 Fair Value Measurements		(Column E) Level 3 Fair Value Measurements
	Liabilities
8.	Deposits			RCONF252		RCONF686		RCONF694		RCONF253		RCONF254
				0		0		0		0		0	8.
9.	Federal funds purchased and securities sold under agreements to repurchase			RCONG507		RCONG508		RCONG509		RCONG510		RCONG511
				0		0		0		0		0	9.
10.	Trading liabilities:
	a.	Derivative liabilities		RCON3547		RCONG512		RCONG513		RCONG514		RCONG515
				0		0		0		0		0	10.a.
	b.	Other trading liabilities		RCONG516		RCONG517		RCONG518		RCONG519		RCONG520
				0		0		0		0		0	10.b.
11.	Other borrowed money			RCONG521		RCONG522		RCONG523		RCONG524		RCONG525
				0		0		0		0		0	11.
12.	Subordinated notes and debentures			RCONG526		RCONG527		RCONG528		RCONG529		RCONG530
				0		0		0		0		0	12.
13.	All other liabilities			RCONG805		RCONG806		RCONG807		RCONG808		RCONG809
				19,286		0		0		19,286		0	13.

14.	Total liabilities measured at fair value on a recurring basis (sum of items 8 through 13)			RCONG531		RCONG532		RCONG533		RCONG534		RCONG535
				19,286		0		0		19,286		0	14.

Schedule RCQ 66

Schedule RC-Q—Continued

Dollar Amounts in Thousands

(Column A)
Total Fair Value
Reported on
Schedule RC

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

(Column C)
Level 1 Fair
Value
Measurements

(Column D)
Level 2 Fair
Value
Measurements

(Column E)
Level 3 Fair
Value
Measurements

Memoranda

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):

Mortgage servicing assets

RCONG536

RCONG537

RCONG538

RCONG539

RCONG540

M.1.a.

Nontrading derivative assets

RCONG541

RCONG542

RCONG543

RCONG544

RCONG545

M.1.b.

TEXTG546 Interest Rate Swaps

RCONG546

RCONG547

RCONG548

RCONG549

RCONG550

6,213

6,213

M.1.c.

TEXTG551

RCONG551

RCONG552

RCONG553

RCONG554

RCONG555

M.1.d.

TEXTG556

RCONG556

RCONG557

RCONG558

RCONG559

RCONG560

M.1.e.

TEXTG561

RCONG561

RCONG562

RCONG563

RCONG564

RCONG565

M.1.f.

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):

Loan commitments (not accounted for as derivatives)

RCONF261

RCONF689

RCONF697

RCONF262

RCONF263

M.2.a.

Nontrading derivative liabilities

RCONG566

RCONG567

RCONG568

RCONG569

RCONG570

M.2.b.

TEXTG571 Interest Rate Swaps

RCONG571

RCONG572

RCONG573

RCONG574

RCONG575

19,286

19,286

M.2.c.

TEXTG576

RCONG576

RCONG577

RCONG578

RCONG579

RCONG580

M.2.d.

TEXTG581

RCONG581

RCONG582

RCONG583

RCONG584

RCONG585

M.2.e.

TEXTG586

RCONG586

RCONG587

RCONG588

RCONG589

RCONG590

M.2.f.

Schedule RCRIA 67

Schedule RC-R—Regulatory Capital

For report dates in 2014, all institutions (except advanced approaches institutions) must complete Parts I.A and II of Schedule RC-R; advanced approaches institutions must complete Parts I.B and II of Schedule RC-R. (See instructions for the definition of an advanced approaches institution.)

Part I.A. Regulatory Capital Components and Ratios


Dollar Amounts in Thousands				Bil \| Mil \| Thou
	Tier 1 Capital
1.	Total bank equity capital (from Schedule RC, item 27.a)		RCON3210		1,508,175		1.

2.	LESS: Net unrealized gains (losses) on available-for-sale securities (if gain, report as positive value; if loss, report as negative value)⁽¹⁾		RCON8434		(6,147	)	2.
3.	LESS: Net unrealized loss on available-for-sale EQUITY securities (report loss as positive value)⁽¹⁾		RCONA221		0		3.
4.	LESS: Accumulated net gains (losses) on cash flow hedges and amounts recorded in AOCI resulting from the initial and subsequent application of FASB ASC 715-20 (former FASB Statement No. 158) to defined benefit postretirement plans (if a gain, report as a positive value; if a loss, report as a negative value)⁽¹⁾		RCON4336		0		4.
5.	LESS: Nonqualifying perpetual preferred stock		RCONB588		0		5.
6.	Qualifying noncontrolling (minority) interests in consolidated subsidiaries		RCONB589		0		6.
7.
	a.	LESS: Disallowed goodwill and other disallowed intangible assets	RCONB590		700,448		7.a.
	b.	LESS: Cumulative change in fair value of all financial liabilities accounted for under a fair value option that is included in retained earnings and is attributable to changes in the bank’s own creditworthiness (if a net gain, report as positive value; if a net loss, report as negative value)	RCONF264		0		7.b.

8.	Subtotal (sum of items 1 and 6, less items 2, 3, 4, 5, 7.a, and 7.b)		RCONC227		813,874		8.

9.
	a.	LESS: Disallowed servicing assets and purchased credit card relationships	RCONB591		0		9.a.
	b.	LESS: Disallowed deferred tax assets	RCON5610		0		9.b.
10.	Other additions to (deductions from) Tier 1 capital		RCONB592		0		10.
11.	Tier 1 capital (sum of items 8 and 10, less items 9.a and 9.b)		RCON8274		813,874		11.

	Tier 2 Capital
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		47,518		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 (sum of items 12 through 16)		RCON5311		47,518		17.
18.	Allowable Tier 2 capital (lesser of item 11 or 17)		RCON8275		47,518		18.
19.	Not applicable.
20.	Deductions for total risk-based capital		RCONB595		0		20.

21.	Total risk-based capital (sum of items 11 and 18, less item 20)		RCON3792		861,392		21.


	Total Assets for Leverage Ratio
22.	Total assets (for banks, from Schedule RC-K, item 9; for savings associations, from Schedule RC, item 12)		RCONL136		9,306,080		22.

23.	LESS: Disallowed goodwill and other disallowed intangible assets (from item 7.a above)		RCONB590		700,448		23.
24.	LESS: Disallowed servicing assets and purchased credit card relationships (from item 9.a above) .		RCONB591		0		24.
25.	LESS: Disallowed deferred tax assets (from item 9.b above)		RCON5610		0		25.
26.	Other additions to (deductions from) assets for leverage capital purposes		RCONL137		0		26.

27.	Total assets for leverage capital purposes (sum of items 22 and 26 less items 23 through 25)		RCONL138		8,605,632		27.

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

Schedule RCRIA 68

Schedule RC-R—Continued

Part I.A—Continued

Dollar Amounts in Thousands

Bil | Mil | Thou

Adjustments for Financial Subsidiaries

28.

Adjustment to Tier 1 capital reported in item 11

RCONC228

28.a.

Adjustment to total risk-based capital reported in item 21

RCONB503

28.b.

29.

Adjustment to risk-weighted assets reported in Part II, item 62

RCONB504

29.

30.

Adjustment to average total assets reported in item 27

RCONB505

30.

Capital Ratios

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

(Column A)
Percentage (Banks with
Financial Subsidiaries)

(Column B)
Percentage (All Banks)

31.

Tier 1 leverage ratio⁽²⁾

RCON7273

RCON7204

9.46

31.

32.

Tier 1 risk-based capital ratio⁽³⁾

RCON7274

RCON7206

12.30

32.

33.

Total risk-based capital ratio⁽⁴⁾

RCON7275

RCON7205

13.01

33.

All institutions also must complete Schedule RC-R, Part II.

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

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

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

Schedule RCRIB 69

Schedule RC-R—Continued

Part I.B. Regulatory Capital Components and Ratios

Advanced approaches institutions must complete this Schedule RC-R, Part I.B, starting on March 31, 2014. Starting on March 31, 2015, all other institutions also must complete this Part I.B. On that date, Schedule RC-R, Part I.A, will be removed and Part I.B will be designated Part I.

Part I.B is to be completed on a consolidated basis.

Dollar Amounts in Thousands

Bil | Mil | Thou

Common Equity Tier 1 Capital

Common stock plus related surplus, net of treasury stock and unearned employee stock ownership plan (ESOP) shares

RCOAP742

N/A

Retained earnings

RCON3632

N/A

Accumulated other comprehensive income (AOCI)

RCOAB530

N/A

Number

AOCI opt-out election (enter “1” for Yes; enter “0” for No.)

RCOAP838

N/A

3.a.

Dollar Amounts in Thousands

Bil | Mil | Thou

Common equity tier 1 minority interest includable in common equity tier 1 capital

RCOAP839

N/A

Common equity tier 1 capital before adjustments and deductions (sum of items 1 through 4)

RCOAP840

N/A

Common Equity Tier 1 Capital: Adjustments and Deductions

LESS: Goodwill net of associated deferred tax liabilities (DTLs)

RCOAP841

N/A

LESS: Intangible assets (other than goodwill and mortgage servicing assets (MSAs)), net of associated DTLs

RCOAP842

N/A

LESS: Deferred tax assets (DTAs) that arise from net operating loss and tax credit carryforwards, net of any related valuation allowances and net of DTLs

RCOAP843

N/A

AOCI-related adjustments (items 9.a through 9.e are effective January 1, 2015) (if entered “1” for Yes in item 3.a, complete only items 9.a through 9.e; if entered “0” for No in item 3.a, complete only item 9.f):

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

LESS: Net unrealized loss on available-for-sale preferred stock classified as an equity security under GAAP and available-for-sale equity exposures (report loss as a positive value)

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

LESS: Amounts recorded in AOCI attributed to defined benefit postretirement plans resulting from the initial and subsequent application of the relevant GAAP standards that pertain to such plans (if a gain, report as a positive value; if a loss, report as a negative value)

LESS: Net unrealized gains (losses) on held-to-maturity securities that are included in AOCI (if a gain, report as a positive value; if a loss, report as a negative value)

To be completed only by institutions that entered “0” for No in item 3.a: LESS: Accumulated net gain (loss) on cash flow hedges included in AOCI, net of applicable income taxes, that relate to the hedging of items that are not recognized at fair value on the balance sheet (if a gain, report as a positive value; if a loss, report as a negative value)

RCOAP849

N/A

9.f.

Schedule RCRIB 70

Schedule RC-R—Continued

Part I.B—Continued

Dollar Amounts in Thousands

Bil | Mil | Thou

10.

Other deductions from (additions to) common equity tier 1 capital before threshold-based deductions:

LESS: Unrealized net gain (loss) related to changes in the fair value of liabilities that are due to changes in own credit risk (if a gain, report as a positive value; if a loss, report as a negative value)

RCOAQ258

N/A

10.a.

LESS: All other deductions from (additions to) common equity tier 1 capital before threshold-based deductions

RCOAP850

N/A

10.b.

11.

LESS: Non-significant investments in the capital of unconsolidated financial institutions in the form of common stock that exceed the 10 percent threshold for non-significant investments

RCOAP851

N/A

11.

12.

Subtotal (item 5 minus items 6 through 11)

RCOAP852

N/A

12.

13.

LESS: Significant investments in the capital of unconsolidated financial institutions in the form of common stock, net of associated DTLs, that exceed the 10 percent common equity tier 1 capital deduction threshold

RCOAP853

N/A

13.

14.

LESS: MSAs, net of associated DTLs, that exceed the 10 percent common equity tier 1 capital deduction threshold

RCOAP854

N/A

14.

15.

LESS: DTAs arising from temporary differences that could not be realized through net operating loss carrybacks, net of related valuation allowances and net of DTLs, that exceed the 10 percent common equity tier 1 capital deduction threshold

RCOAP855

N/A

15.

16.

LESS: Amount of significant investments in the capital of unconsolidated financial institutions in the form of common stock, net of associated DTLs; MSAs, net of associated DTLs; and DTAs arising from temporary differences that could not be realized through net operating loss carrybacks, net of related valuation allowances and net of DTLs; that exceeds the 15 percent common equity tier 1 capital deduction threshold

RCOAP856

N/A

16.

17.

LESS: Deductions applied to common equity tier 1 capital due to insufficient amounts of additional tier 1 capital and tier 2 capital to cover deductions

RCOAP857

N/A

17.

18.

Total adjustments and deductions for common equity tier 1 capital (sum of items 13 through 17)

RCOAP858

N/A

18.

19.

Common equity tier 1 capital (item 12 minus item 18)

RCOAP859

N/A

19.

Additional Tier 1 Capital

20.

Additional tier 1 capital instruments plus related surplus

RCOAP860

N/A

20.

21.

Non-qualifying capital instruments subject to phase out from additional tier 1 capital

RCOAP861

N/A

21.

22.

Tier 1 minority interest not included in common equity tier 1 capital

RCOAP862

N/A

22.

23.

Additional tier 1 capital before deductions (sum of items 20, 21, and 22)

RCOAP863

N/A

23.

24.

LESS: Additional tier 1 capital deductions

RCOAP864

N/A

24.

25.

Additional tier 1 capital (greater of item 23 minus item 24, or zero)

RCOAP865

N/A

25.

Tier 1 Capital

26.

Tier 1 capital (sum of items 19 and 25)

RCOA8274

N/A

26.

Tier 2 Capital

27.

Tier 2 capital instruments plus related surplus

RCOAP866

N/A

27.

28.

Non-qualifying capital instruments subject to phase out from tier 2 capital

RCOAP867

N/A

28.

29.

Total capital minority interest that is not included in tier 1 capital

RCOAP868

N/A

29.

30.

Allowance for loan and lease losses includable in tier 2 capital

RCOA5310

N/A

30.a.

(Advanced approaches institutions that exit parallel run only): Eligible credit reserves includable in tier 2 capital

RCOW5310

N/A

30.b.

Schedule RCRIB 71

Schedule RC-R—Continued

Part I.B—Continued

Dollar Amounts in Thousands

Bil | Mil | Thou

31.

Unrealized gains on available-for-sale preferred stock classified as an equity security under GAAP and available-for-sale equity exposures includable in tier 2 capital

RCOAQ257

N/A

31.

32.

Tier 2 capital before deductions (sum of items 27 through 30.a, plus item 31)

RCOAP870

N/A

32.a.

(Advanced approaches institutions that exit parallel run only): Tier 2 capital before deductions (sum of items 27 through 29, plus items 30.b and 31)

RCOWP870

N/A

32.b.

33.

LESS: Tier 2 capital deductions

RCOAP872

N/A

33.

34.

Tier 2 capital (greater of item 32.a minus item 33, or zero)

RCOA5311

N/A

34.a.

(Advanced approaches institutions that exit parallel run only): Tier 2 capital (greater of item 32.b minus item 33, or zero)

RCOW5311

N/A

34.b.

Total Capital

35.

Total capital (sum of items 26 and 34.a)

RCOA3792

N/A

35.a.

(Advanced approaches institutions that exit parallel run only): Total capital (sum of items 26 and 34.b)

RCOW3792

N/A

35.b.

Total Assets for the Leverage Ratio

36.

Average total consolidated assets

RCON3368

N/A

36.

37.

LESS: Deductions from common equity tier 1 capital and additional tier 1 capital (sum of items 6, 7, 8, 10.b, 11, 13 through 17, and certain elements of item 24 - see instructions)

RCOAP875

N/A

37.

38.

LESS: Other deductions from (additions to) assets for leverage ratio purposes

RCOAB596

N/A

38.

39.

Total assets for the leverage ratio (item 36 minus items 37 and 38)

RCOAA224

N/A

39.

Total Risk-Weighted Assets

40.

Total risk-weighted assets (from Schedule RC-R, Part II, item 62)

RCOAA223

N/A

40.a.

(Advanced approaches institutions that exit parallel run only): Total risk-weighted assets using advanced approaches rule (from FFIEC 101 Schedule A, item 60)

RCOWA223

N/A

40.b.

(Column A)
Percentage

(Column B)
Percentage

Risk-Based Capital Ratios

41.

Common equity tier 1 capital ratio (Column A: item 19 divided by item 40.a) (Advanced approaches institutions that exit parallel run only: Column B: item 19 divided by item 40.b)

RCOAP793

N/A

RCOWP793

N/A

41.

42.

Tier 1 capital ratio (Column A: item 26 divided by item 40.a) (Advanced approaches institutions that exit parallel run only: Column B: item 26 divided by item 40.b)

RCOA7206

N/A

RCOW7206

N/A

42.

43.

Total capital ratio (Column A: item 35.a divided by item 40.a) (Advanced approaches institutions that exit parallel run only: Column B: item 35.b divided by item 40.b)

RCOA7205

N/A

RCOW7205

N/A

43.

Leverage Capital Ratios

44.

Tier 1 leverage ratio (item 26 divided by item 39)

RCOA7204

N/A

44.

45.

Advanced approaches institutions only: Supplementary leverage ratio (from FFIEC 101 Schedule A, item 98) (effective January 1, 2015)

Schedule RCRIB 72

Schedule RC-R—Continued

Part I.B—Continued


			Percentage
	Capital Buffer
46.	Institution-specific capital buffer necessary to avoid limitations on distributions and discretionary bonus payments (effective January 1, 2016):
	a.	Capital conservation buffer
	b.	(Advanced approaches institutions that exit parallel run only): Total applicable capital buffer

Dollar Amounts in Thousands			Bil \| Mil \| Thou
	Effective January 1, 2016: Institutions must complete items 47 and 48 if the amount in item 46.a (or the lower of item 46.a or 46.b for an advanced approaches institution that has exited parallel run) is less than or equal to the applicable minimum capital conservation buffer:
47.	Eligible retained income
48.	Distributions and discretionary bonus payments during the quarter

Schedule RCRII 73

Schedule RC-R—Continued

Part II. Risk-Weighted Assets

To be completed by all institutions.

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


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%
	Balance Sheet Asset Categories
34.	Cash and balances due from depository institutions (Column A equals the sum of Schedule RC items 1.a and 1.b)		RCON0010		RCONC869		RCONB600		RCONB601				RCONB602
			256,639		0		182,571		74,068				0	34.
35.	Held-to-maturity securities		RCON1754		RCONB603		RCONB604		RCONB605		RCONB606		RCONB607
			650		0		0		0		0		650	35.
36.	Available-for-sale securities		RCON1773		RCONB608		RCONB609		RCONB610		RCONB611		RCONB612
			1,341,019		(9,915)		1,336,231		656		159		13,888	36.
37.	Federal funds sold and securities purchased under agreements to resell		RCONC225				RCONC063		RCONC064				RCONB520
			0				0		0				0	37.
38.	Loans and leases held for sale		RCON5369		RCONB617		RCONB618		RCONB619		RCONB620		RCONB621
			10,381		0		0		10,381		0		0	38.
39.	Loans and leases, net of unearned income		RCONB528		RCONB622		RCONB623		RCONB624		RCONB625		RCONB626
			6,777,091		0		0		330,851		848,388		5,597,852	39.
40.	LESS: Allowance for loan and lease losses		RCON3123		RCON3123
			47,518		47,518									40.
41.	Trading assets		RCON3545		RCONB627		RCONB628		RCONB629		RCONB630		RCONB631
			0		0		0		0		0		0	41.
42.	All other assets ⁽¹⁾		RCONB639		RCONB640		RCONB641		RCONB642		RCONB643		RCON5339
			1,028,875		712,035		2,981		73,756		4,744		235,359	42.

43.	Total assets (sum of items 34 through 42)		RCON2170		RCONB644		RCON5320		RCON5327		RCON5334		RCON5340
			9,367,137		654,602		1,521,783		489,712		853,291		5,847,749	43.

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

Schedule RCRII 74

Schedule RC-R—Continued

Part II—Continued


Dollar Amounts in Thousands			(Column A) Face Value or Notional Amount		Credit Conversion Factor		(Column B) Credit Equivalent Amount (1)		(Column C) Allocation by Risk Weight Category 0%		(Column D) Allocation by Risk Weight Category 20%		(Column E) Allocation by Risk Weight Category 50%		(Column F) Allocation by Risk Weight Category 100%
	Derivatives and Off-Balance Sheet Items
44.	Financial standby letters of credit			RCONB546		1.00 or 12.5 (2)		RCONB547		RCONB548		RCONB581		RCONB582		RCONB583
				51,296		1.00		51,296		7,398		0		0		43,897	44.
45.	Performance standby letters of credit			RCON3821				RCONB650		RCONB651		RCONB652		RCONB653		RCONB654
				3,085		.50		1,543		0		0		0		1,543	45.
46.	Commercial and similar letters of credit			RCON3411				RCONB655		RCONB656		RCONB657		RCONB658		RCONB659
				0		.20		0		0		0		0		0	46.
47.	Risk participations in bankers acceptances acquired by the reporting institution			RCON3429				RCONB660		RCONB661		RCONB662				RCONB663
				0		1.00		0		0		0				0	47.
48.	Securities lent			RCON3433				RCONB664		RCONB665		RCONB666		RCONB667		RCONB668
				0		1.00		0		0		0		0		0	48.
49.	Retained recourse on small business obligations sold with recourse			RCONA250				RCONB669		RCONB670		RCONB671		RCONB672		RCONB673
				0		1.00		0		0		0		0		0	49.
50.	Recourse and direct credit substitutes (other than financial standby letters of credit) subject to the low-level exposure rule and residual interests subject to a dollar-for-dollar capital requirement			RCONB541		12.5 (3)		RCONB542								RCONB543
				176		12.50		2,200								2,200	50.
51.	All other financial assets sold with recourse			RCONB675				RCONB676		RCONB677		RCONB678		RCONB679		RCONB680
				0		1.00		0		0		0		0		0	51.
52.	All other off-balance sheet liabilities			RCONB681				RCONB682		RCONB683		RCONB684		RCONB685		RCONB686
				0		1.00		0		0		0		0		0	52.
53.	Unused commitments:
	a.	With an original maturity exceeding one year		RCON3833				RCONB687		RCONB688		RCONB689		RCONB690		RCONB691
				535,084		.50		267,542		0		0		147,685		119,857	53.a.
	b.	With an original maturity of one year or less to asset-backed commercial paper conduits		RCONG591				RCONG592		RCONG593		RCONG594		RCONG595		RCONG596
				0		.10		0		0		0		0		0	53.b.
54.	Derivative contracts							RCONA167		RCONB693		RCONB694		RCONB695
								12,212		0		957		11,255			54.

Schedule RCRII 75

Schedule RC-R—Continued

Part II—Continued

Dollar Amounts in Thousands

(Column C)
Allocation by
Risk Weight
Category 0%

(Column D)
Allocation by
Risk Weight
Category 20%

(Column E)
Allocation by
Risk Weight
Category 50%

(Column F)
Allocation by
Risk Weight
Category 100%

Totals

55.

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

RCONB696

RCONB697

RCONB698

RCONB699

1,529,181

490,669

1,012,231

6,015,246

55.

56.

Risk weight factor

x 0%

x 20%

x 50%

x 100%

56.

57.

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

RCONB700

RCONB701

RCONB702

RCONB703

98,134

506,116

6,015,246

57.

58.

Market risk equivalent assets

RCON1651

58.

59.

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

RCONB704

6,619,496

59.

60.

LESS: Excess allowance for loan and lease losses

RCONA222

60.

61.

LESS: Allocated transfer risk reserve

RCON3128

61.

62.

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

RCONA223

6,619,496

62.

Memoranda

Dollar Amounts in Thousands

Bil | Mil | Thou

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

RCON8764

M.1.

Dollar Amounts in Thousands

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

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

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

Notional principal amounts of derivative contracts: ⁽¹⁾

RCON3809

26,553

RCON8766

191,417

RCON8767

750,302

M.2.a.

Interest rate contracts

Foreign exchange contracts

RCON3812

RCON8769

RCON8770

M.2.b.

Gold contracts

RCON8771

RCON8772

RCON8773

M.2.c.

Other precious metals contracts

RCON8774

RCON8775

RCON8776

M.2.d.

Other commodity contracts

RCON8777

RCON8778

RCON8779

M.2.e.

Equity derivative contracts

RCONA000

RCONA001

RCONA002

M.2.f.

Credit derivative contracts:

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

(1)

Investment grade

RCONG597

RCONG598

RCONG599

M.2.g.(1)

(2)

Subinvestment grade

RCONG600

RCONG601

RCONG602

M.2.g.(2)

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

Schedule RCS 76

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
	Bank Securitization Activities
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:
	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
				0		0		0		0		0		0		0	2.b.
	c.	Standby letters of credit and other enhancements		RCONC400		RCONC401		RCONC402		RCONC403		RCONC404		RCONC405		RCONC406
				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:
	a.	30-89 days past due		RCONB733		RCONB734		RCONB735		RCONB736		RCONB737		RCONB738		RCONB739
				0		0		0		0		0		0		0	4.a.
	b.	90 days or more past due		RCONB740		RCONB741		RCONB742		RCONB743		RCONB744		RCONB745		RCONB746
				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):
	a.	Charge-offs		RIADB747		RIADB748		RIADB749		RIADB750		RIADB751		RIADB752		RIADB753
				0		0		0		0		0		0		0	5.a.
	b.	Recoveries		RIADB754		RIADB755		RIADB756		RIADB757		RIADB758		RIADB759		RIADB760
				0		0		0		0		0		0		0	5.b.

Schedule RCS 77

Schedule RC-S—Continued


Dollar Amounts in Thousands			(Column A) 1-4 Family Residential Loans		(Column B) Home Equity Lines		(Column C) Credit Card Receivables		(Column D) Auto Loans		(Column E) Other Consumer Loans		(Column F) Commercial and Industrial Loans		(Column G) All Other Loans, All Leases and All Other Assets
6.	Amount of ownership (or seller’s) interests carried as:
	a.	Securities (included in Schedule RC-B or in Schedule RC, item 5)				RCONB761		RCONB762						RCONB763
						0		0						0			6.a.
	b.	Loans (included in Schedule RC-C)				RCONB500		RCONB501						RCONB502
						0		0						0			6.b.
7.	Past due loan amounts included in interests reported in item 6.a:
	a.	30-89 days past due				RCONB764		RCONB765						RCONB766
						0		0						0			7.a.
	b.	90 days or more past due				RCONB767		RCONB768						RCONB769
						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):
	a.	Charge-offs				RIADB770		RIADB771						RIADB772
						0		0						0			8.a.
	b.	Recoveries				RIADB773		RIADB774						RIADB775
						0		0						0			8.b.
	For Securitization Facilities Sponsored By or Otherwise Established By Other Institutions
9.	Maximum amount of credit exposure arising from credit enhancements provided by the reporting bank to other institutions’ securitization structures in the form of standby letters of credit, purchased subordinated securities, and other enhancements			RCONB776		RCONB777		RCONB778		RCONB779		RCONB780		RCONB781		RCONB782
				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.
	Bank Asset Sales
11.	Assets sold with recourse or other seller-provided credit enhancements and not securitized by the reporting bank			RCONB790		RCONB791		RCONB792		RCONB793		RCONB794		RCONB795		RCONB796
				69,812		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
				176		0		0		0		0		0		0	12.

Schedule RCS 78

Schedule RC-S—Continued

Memoranda

Dollar Amounts in Thousands

Bil | Mil | Thou

Small business obligations transferred with recourse under Section 208 of the Riegle Community Development and Regulatory Improvement Act of 1994:

Outstanding principal balance

RCONA249

M.1.a.

Amount of retained recourse on these obligations as of the report date

RCONA250

M.1.b.

Outstanding principal balance of assets serviced for others (includes participations serviced for others):

Closed-end 1-4 family residential mortgages serviced with recourse or other servicer-provided credit enhancements

RCONB804

M.2.a.

Closed-end 1-4 family residential mortgages serviced with no recourse or other servicer-provided credit enhancements

RCONB805

6,804

M.2.b.

Other financial assets (includes home equity lines) ⁽¹⁾

RCONA591

M.2.c.

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

M.2.d.

Asset-backed commercial paper conduits:

Maximum amount of credit exposure arising from credit enhancements provided to conduit structures in the form of standby letters of credit, subordinated securities, and other enhancements:

(1)

Conduits sponsored by the bank, a bank affiliate, or the bank’s holding company

RCONB806

M.3.a.(1)

(2)

Conduits sponsored by other unrelated institutions

RCONB807

M.3.a.(2)

Unused commitments to provide liquidity to conduit structures:

(1)

Conduits sponsored by the bank, a bank affiliate, or the bank’s holding company

RCONB808

M.3.b.(1)

(2)

Conduits sponsored by other unrelated institutions

RCONB809

M.3.b.(2)

Outstanding credit card fees and finance charges included in Schedule RC-S, item 1, col C ⁽²⁾

RCONC407

N/A

M.4.

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

(2)

Schedule RCT 79

Schedule RC-T—Fiduciary and Related Services


			Yes/No
1.	Does the institution have fiduciary powers? (If “NO,” do not complete Schedule RC-T.)	RCONA345	YES	1.
2.	Does the institution exercise the fiduciary powers it has been granted?	RCONA346	YES	2.
3.	Does the institution have any fiduciary or related activity (in the form of assets or accounts) to report in this schedule? (If “NO,” do not complete the rest of Schedule RC-T.)	RCONB867	YES	3.

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

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

•

Items 4 through 22 and Memorandum item 3 quarterly,

•

Items 23 through 26 annually with the December report, and

•

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

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

•

Items 4 through 26 annually with the December report, and

•

Memorandum items 1 through 4 annually with the December report.

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

•

Items 4 through 13 annually with the December report, and

•

Memorandum items 1 through 3 annually with the December report.


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
	Fiduciary and Related Assets
4.	Personal trust and agency accounts			RCONB868		RCONB869		RCONB870		RCONB871
				157,563		72,313		325		158	4.
5.	Employee benefit and retirement-related trust and agency accounts:
	a.	Employee benefit—defined contribution		RCONB872		RCONB873		RCONB874		RCONB875
				1,919		165,818		3		28	5.a.
	b.	Employee benefit—defined benefit		RCONB876		RCONB877		RCONB878		RCONB879
				2,519		0		1		0	5.b.
	c.	Other employee benefit and retirement-related accounts		RCONB880		RCONB881		RCONB882		RCONB883
				43,821		22,021		201		90	5.c.
6.	Corporate trust and agency accounts			RCONB884		RCONB885		RCONC001		RCONC002
				10,273		34,652		7		119	6.
7.	Investment management and investment advisory agency accounts			RCONB886		RCONJ253		RCONB888		RCONJ254
				86,336		20,832		200		8	7.
8.	Foundation and endowment trust and agency accounts			RCONJ255		RCONJ256		RCONJ257		RCONJ258
				25,218		2,074		25		4	8.
9.	Other fiduciary accounts			RCONB890		RCONB891		RCONB892		RCONB893
				5,558		3		9		1	9.

10.	Total fiduciary accounts (sum of items 4 through 9)			RCONB894		RCONB895		RCONB896		RCONB897
				333,207		317,713		771		408	10.

11.	Custody and safekeeping accounts					RCONB898				RCONB899
						37,271				68	11.
12.	Not applicable
13.	Individual Retirement Accounts, Health Savings Accounts, and other similar accounts (included in items 5.c and 11)			RCONJ259		RCONJ260		RCONJ261		RCONJ262
				29,404		31,188		197		122	13.

Schedule RCT 80

Schedule RC-T—Continued


Dollar Amounts in Thousands				Bil \| Mil \| Thou
	Fiduciary and Related Services Income
14.	Personal trust and agency accounts		RIADB904		1,337	14.
15.	Employee benefit and retirement-related trust and agency accounts:
	a.	Employee benefit—defined contribution	RIADB905		375	15.a.
	b.	Employee benefit—defined benefit	RIADB906		11	15.b.
	c.	Other employee benefit and retirement-related accounts	RIADB907		287	15.c.
16.	Corporate trust and agency accounts		RIADA479		62	16.
17.	Investment management and investment advisory agency accounts		RIADJ315		482	17.
18.	Foundation and endowment trust and agency accounts		RIADJ316		142	18.
19.	Other fiduciary accounts		RIADA480		33	19.
20.	Custody and safekeeping accounts		RIADB909		103	20.
21.	Other fiduciary and related services income		RIADB910		0	21.

22.	Total gross fiduciary and related services income (sum of items 14 through 21) (must equal Schedule RI, item 5.a)		RIAD4070		2,832	22.

23.	Less: Expenses		RIADC058		N/A	23.
24.	Less: Net losses from fiduciary and related services		RIADA488		N/A	24.
25.	Plus: Intracompany income credits for fiduciary and related services		RIADB911		N/A	25.
26.	Net fiduciary and related services income		RIADA491		N/A	26.

Memoranda

Dollar Amounts in Thousands

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

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

(Column C)
All Other Accounts

Managed assets held in fiduciary accounts:

Noninterest-bearing deposits

RCONJ263

N/A

RCONJ264

N/A

RCONJ265

N/A

M.1.a.

Interest-bearing deposits

RCONJ266

N/A

RCONJ267

N/A

RCONJ268

N/A

M.1.b.

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

RCONJ269

N/A

RCONJ270

N/A

RCONJ271

N/A

M.1.c.

State, county, and municipal obligations

RCONJ272

N/A

RCONJ273

N/A

RCONJ274

N/A

M.1.d.

Money market mutual funds

RCONJ275

N/A

RCONJ276

N/A

RCONJ277

N/A

M.1.e.

Equity mutual funds

RCONJ278

N/A

RCONJ279

N/A

RCONJ280

N/A

M.1.f.

Other mutual funds

RCONJ281

N/A

RCONJ282

N/A

RCONJ283

N/A

M.1.g.

Common trust funds and collective investment funds

RCONJ284

N/A

RCONJ285

N/A

RCONJ286

N/A

M.1.h.

Other short-term obligations

RCONJ287

N/A

RCONJ288

N/A

RCONJ289

N/A

M.1.i.

Other notes and bonds

RCONJ290

N/A

RCONJ291

N/A

RCONJ292

N/A

M.1.j.

Investments in unregistered funds and private equity investments

RCONJ293

N/A

RCONJ294

N/A

RCONJ295

N/A

M.1.k.

Other common and preferred stocks

RCONJ296

N/A

RCONJ297

N/A

RCONJ298

N/A

M.1.l.

Real estate mortgages

RCONJ299

N/A

RCONJ300

N/A

RCONJ301

N/A

M.1.m.

Real estate

RCONJ302

N/A

RCONJ303

N/A

RCONJ304

N/A

M.1.n.

Miscellaneous assets

RCONJ305

N/A

RCONJ306

N/A

RCONJ307

N/A

M.1.o.

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

RCONJ308

N/A

RCONJ309

N/A

RCONJ310

N/A

M.1.p.

Schedule RCT 81

Schedule RC-T—Continued

Memoranda—Continued

Dollar Amounts in Thousands

(Column A)
Managed Assets

(Column B)
Number of Managed
Accounts

Investments of managed fiduciary accounts in advised or sponsored mutual funds

RCONJ311

N/A

RCONJ312

N/A

M.1.q.

Dollar Amounts in Thousands

(Column A)
Number of Issues

(Column B)
Principal Amount
Outstanding

Corporate trust and agency accounts:

Corporate and municipal trusteeships

RCONB927

N/A

RCONB928

N/A

M.2.a.

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

RCONJ313

N/A

RCONJ314

N/A

M.2.a.(1)

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

RCONB929

N/A

M.2.b.

Dollar Amounts in Thousands

(Column A)
Number of Funds

(Column B)
Market Value of Fund Assets

Collective investment funds and common trust funds:

Domestic equity

RCONB931

RCONB932

M.3.a.

International/Global equity

RCONB933

RCONB934

M.3.b.

Stock/Bond blend

RCONB935

RCONB936

M.3.c.

Taxable bond

RCONB937

RCONB938

M.3.d.

Municipal bond

RCONB939

RCONB940

M.3.e.

Short term investments/Money market

RCONB941

RCONB942

M.3.f.

Specialty/Other

RCONB943

RCONB944

M.3.g.

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

RCONB945

RCONB946

M.3.h.

Dollar Amounts in Thousands

(Column A)
Gross Losses Managed
Accounts

(Column B)
Gross Losses Non-Managed
Accounts

(Column C)
Recoveries

Fiduciary settlements, surcharges, and other losses:

Personal trust and agency accounts

RIADB947

N/A

RIADB948

N/A

RIADB949

N/A

M.4.a.

Employee benefit and retirement-related trust and agency accounts

RIADB950

N/A

RIADB951

N/A

RIADB952

N/A

M.4.b.

Investment management and investment advisory agency accounts

RIADB953

N/A

RIADB954

N/A

RIADB955

N/A

M.4.c.

Other fiduciary accounts and related services

RIADB956

N/A

RIADB957

N/A

RIADB958

N/A

M.4.d.

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

RIADB959

N/A

RIADB960

N/A

RIADB961

N/A

M.4.e.

Schedule RCT 82

Schedule RC-T—Continued

Memoranda—Continued

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

Name and Title (TEXT B962)

E-mail Address (TEXT B926)

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

FAX: Area code/phone number (TEXT B964)

Schedule RCV 83

Schedule RC-V—Variable Interest Entities

Dollar Amounts in Thousands

(Column A)
Securitization Vehicles

(Column B)
ABCP Conduits

(Column C)
Other VIEs

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

Cash and balances due from depository institutions

RCONJ981

RCONJ982

RCONJ983

1.a.

Held-to-maturity securities

RCONJ984

RCONJ985

RCONJ986

1.b.

Available-for-sale securities

RCONJ987

RCONJ988

RCONJ989

1.c.

Securities purchased under agreements to resell

RCONJ990

RCONJ991

RCONJ992

1.d.

Loans and leases held for sale

RCONJ993

RCONJ994

RCONJ995

1.e.

Loans and leases, net of unearned income

RCONJ996

RCONJ997

RCONJ998

1.f.

Less: Allowance for loan and lease losses

RCONJ999

RCONK001

RCONK002

1.g.

Trading assets (other than derivatives)

RCONK003

RCONK004

RCONK005

1.h.

Derivative trading assets

RCONK006

RCONK007

RCONK008

1.i.

Other real estate owned

RCONK009

RCONK010

RCONK011

1.j.

Other assets

RCONK012

RCONK013

RCONK014

1.k.

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

Securities sold under agreements to repurchase

RCONK015

RCONK016

RCONK017

2.a.

Derivative trading liabilities

RCONK018

RCONK019

RCONK020

2.b.

Commercial paper

RCONK021

RCONK022

RCONK023

2.c.

Other borrowed money (exclude commercial paper)

RCONK024

RCONK025

RCONK026

2.d.

Other liabilities

RCONK027

RCONK028

RCONK029

2.e.

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

RCONK030

RCONK031

RCONK032

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

RCONK033

RCONK034

RCONK035

Schedule NARR 84

Optional Narrative Statement Concerning the Amounts

Reported in the Reports of Condition and Income

The management of the reporting bank may, if it wishes, submit a brief narrative statement on the amounts reported in the Reports of Condition and Income. This optional statement will be made available to the public, along with the publicly available data in the Reports of Condition and Income, in response to any request for individual bank report data. However, the information reported in Schedule RI-E, item 2.g; Schedule RC-O, Memorandum items 6 through 9, 14, 15, and 18; and Schedule RC-P, items 7.a and 7.b, is regarded as confidential and will not be released to the public. BANKS CHOOSING TO SUBMIT THE NARRATIVE STATEMENT SHOULD ENSURE THAT THE STATEMENT DOES NOT CONTAIN THE NAMES OR OTHER IDENTIFICATIONS OF INDIVIDUAL BANK CUSTOMERS, REFERENCES TO THE AMOUNTS REPORTED IN THE CONFIDENTIAL ITEMS IDENTIFIED ABOVE, OR ANY OTHER INFORMATION THAT THEY ARE NOT WILLING TO HAVE MADE PUBLIC OR THAT WOULD COMPROMISE THE PRIVACY OF THEIR CUSTOMERS. Banks choosing not to make a statement may check the “No comment” box below and should make no entries of any kind in the space provided for the narrative statement; i.e., DO NOT enter in this space such phrases as “No statement,” “Not applicable,” “N/A,” “No comment,” and “None.”

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

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

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

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

Comments? NO

(RCON 6979)

BANK MANAGEMENT STATEMENT (750 character limit):

(TEXT 6980)

Great Western Bancorp, Inc. - FORM 8-K - EX-99.1 - October 30, 2014

Attached files

Great Western Bancorp, Inc. Reports