Exhibit 25.1
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
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FORM T-1
STATEMENT OF ELIGIBILITY
UNDER THE TRUST INDENTURE ACT OF 1939 OF A
CORPORATION DESIGNATED TO ACT AS TRUSTEE
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___CHECK IF AN APPLICATION TO DETERMINE ELIGIBILITY OF A TRUSTEE PURSUANT TO
SECTION 305(b)(2)
WELLS FARGO BANK MINNESOTA, NATIONAL ASSOCIATION
(Exact name of trustee as specified in its charter)
A U.S. National Banking Association 41-1592157
(Jurisdiction of incorporation or (I.R.S. Employer
organization if not a U.S. national Identification No.)
bank)
Sixth Street and Marquette Avenue
Minneapolis, Minnesota 55479
(Address of principal executive offices) (Zip code)
Stanley S. Stroup, General Counsel
WELLS FARGO BANK MINNESOTA, NATIONAL ASSOCIATION
Sixth Street and Marquette Avenue
Minneapolis, Minnesota 55479
(612) 667-1234
(Name, address and telephone number of agent for service)
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Sierra Health Services, Inc.
(Exact name of obligor as specified in its charter)
Nevada 88-0200415
(State or other jurisdiction of (I.R.S. Employer
incorporation or organization) Identification No.)
2724 North Tenaya Way 89128
Las Vegas, NV (Zip code)
(Address of principal executive offices)
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Senior Convertible Debentures
(Title of the indenture securities)
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Item 1. General Information. Furnish the following information as to the trustee:
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(a) Name and address of each examining or supervising authority
to which it is subject.
Comptroller of the Currency
Treasury Department
Washington, D.C.
Federal Deposit Insurance Corporation
Washington, D.C.
The Board of Governors of the Federal Reserve System
Washington, D.C.
(b) Whether it is authorized to exercise corporate trust powers.
The trustee is authorized to exercise corporate trust powers.
Item 2. Affiliations with Obligor. If the obligor is an affiliate of the trustee, describe
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each such affiliation.
None with respect to the trustee.
No responses are included for Items 3-14 of this Form T-1 because the obligor is not in default
as provided under Item 13.
Item 15. Foreign Trustee. Not applicable.
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Item 16. List of Exhibits. List below all exhibits filed as a part of this Statement of
----------------- Eligibility. Wells Fargo Bank incorporates by reference into this Form
T-1 the exhibits attached hereto.
Exhibit 1. a. A copy of the Articles of Association of the
trustee now in effect.**
Exhibit 2. a. A copy of the certificate of authority of the
trustee to commence business issued June 28, 1872,
by the Comptroller of the Currency to The
Northwestern National Bank of Minneapolis.*
b. A copy of the certificate of the Comptroller of the
Currency dated January 2, 1934, approving the
consolidation of The Northwestern National Bank of
Minneapolis and The Minnesota Loan and Trust Company
of Minneapolis, with the surviving entity being titled
Northwestern National Bank and Trust Company of Minneapolis.*
c. A copy of the certificate of the Acting Comptroller
of the Currency dated January 12, 1943, as to change of
corporate title of Northwestern National Bank and
Trust Company of Minneapolis to Northwestern
National Bank of Minneapolis.*
d. A copy of the letter dated May 12, 1983 from the
Regional Counsel, Comptroller of the Currency,
acknowledging receipt of notice of name change
effective May 1, 1983 from Northwestern National
Bank of Minneapolis to Norwest Bank Minneapolis,
National Association.*
e. A copy of the letter dated January 4, 1988 from the
Administrator of National Banks
for the Comptroller of the Currency certifying
approval of consolidation and merger effective
January 1, 1988 of Norwest Bank Minneapolis,
National Association with various other banks under
the title of "Norwest Bank Minnesota, National
Association."*
f. A copy of the letter dated July 10, 2000 from the
Administrator of National Banks for the Comptroller
of the Currency certifying approval of
consolidation effective July 8, 2000 of Norwest
Bank Minnesota, National Association with various
other banks under the title of "Wells Fargo Bank
Minnesota, National Association."***
Exhibit 3. A copy of the authorization of the trustee to exercise
corporate trust powers issued January 2, 1934, by the Federal
Reserve Board.*
Exhibit 4. Copy of By-laws of the trustee as now in effect.**
Exhibit 5. Not applicable.
Exhibit 6. The consent of the trustee required by Section 321(b) of the
Act.
Exhibit 7. A copy of the latest report of condition of the trustee
published pursuant to law or the requirements of its
supervising or examining authority is attached hereto.
Exhibit 8. Not applicable.
Exhibit 9. Not applicable.
* Incorporated by reference to exhibit number 25 filed with
registration statement number 33-66026.
** Incorporated by reference to the exhibit of the same number to the
trustee's Form T-1 filed as exhibit 99.T3G to the Form T-3 dated July
13, 2000 of GB Property Funding Corp. file number 022-22473.
*** Incorporated by reference to exhibit number 2f to the trustee's Form
T-1 filed as exhibit 25.1 to the Current Report Form 8-K dated
September 8, 2000 of NRG Energy Inc. file number 001-15891.
SIGNATURE
Pursuant to the requirements of the Trust Indenture Act of 1939, as amended, the trustee, Wells
Fargo Bank Minnesota, National Association, a national banking association organized and
existing under the laws of the United States of America, has duly caused this statement of
eligibility to be signed on its behalf by the undersigned, thereunto duly authorized, all in
the City of Minneapolis and State of Minnesota on the 15th day of April, 2003.
WELLS FARGO BANK MINNESOTA,
NATIONAL ASSOCIATION
/s/ MICHAEL G. SLADE
---------------------
Michael G. Slade
Corporate Trust Officer
EXHIBIT 6
April 15, 2003
Securities and Exchange Commission
Washington, D.C. 20549
Gentlemen:
In accordance with Section 321(b) of the Trust Indenture Act of 1939, as amended, the
undersigned hereby consents that reports of examination of the undersigned made by
Federal, State, Territorial, or District authorities authorized to make such
examination may be furnished by such authorities to the Securities and Exchange
Commission upon its request therefor.
Very truly yours,
WELLS FARGO BANK MINNESOTA,
NATIONAL ASSOCIATION
/s/ MICHAEL G. SLADE
--------------------
Michael G. Slade
Corporate Trust Officer
Exhibit 7
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Wells Fargo Bank Minnesota, National Association FFIEC 031
SIXTH STREET AND MARQUETTE AVENUE Consolidated Report of Condition
MINNEAPOLIS , MN 55479 for December 31, 2002
FDIC Certificate Number: 5208
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Web Address as of: 2/21/2003 http://www.wellsfargo.com
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The web address is as provided by the institution.
Please contact the institution directly with any questions regarding the data or the web address.
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Information Page | Search
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Consolidated Report of Income
for the Period January 1, 2002- December 31, 2002
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
1.Interest income:
a.Interest and fee income on loans:
(1)In domestic offices:
(a)Loans secured by real estate RIAD
4011 1,564,186
(b)Loans to finance agricultural production and other loans to farmers RIAD
4042 14,959
(c)Commercial and industrial loans RIAD
4012 357,414
(d)Loans to individuals for household, family, and other personal expenditures:
(1) Credit cards RIAD
B485 47,913
(2) Other (includes single payment, installment, all student loans, and revolving RIAD
credit plans other than credit cards) B486 81,860
(e)Loans to foreign governments and official institutions. RIAD
4056 0
(f)All other loans in domestic offices RIAD
B487 176,110
(2)In foreign offices, Edge and Agreement subsidiaries, and IBFs RIAD
4059 89
(3)Total interest and fee income on loans (sum of items 1.a.(1).(a) through 1.a.(2)) RIAD
4010 2,242,531
b.Income from lease financing receivables RIAD
4065 166,946
c.Interest income on balances due from depository institutions1 RIAD
4115 799
d.Interest and dividend income on securities:
(1)U.S. Treasury securities and U.S. Government agency obligations (excluding RIAD
mortgage-backed securities) B488 17,297
(2)Mortgage-backed securities RIAD
B489 77,097
(3)All other securities (includes securities issued by states and political RIAD
subdivisions in the U.S.) 4060 35,136
e.Interest income from trading assets RIAD
4069 249
f.Interest income on federal funds sold and securities purchased under agreements to resellRIAD
4020 225,939
g.Other interest income RIAD
4518 14,556
h.Total interest income (sum of items 1.a.(3) through 1.g) RIAD
4107 2,780,550
2.Interest expense:
a.Interest on deposits:
(1)Interest on deposits in domestic offices:
(a)Transaction accounts (NOW accounts, ATS accounts, and telephone and preauthorized RIAD
transfer accounts) 4508 3,011
(b)Nontransaction accounts:
(1) Savings deposits (includes MMDAs) RIAD
0093 85,530
(2) Time deposits of $100,000 or more RIAD
A517 8,921
(3) Time deposits of less than $100,000 RIAD
A518 69,647
(2)Interest on deposits in foreign offices, Edge and Agreement subsidiaries, and IBFs RIAD
4172 200,546
b.Expense of federal funds purchased and securities sold under agreements to repurchase RIAD
4180 93,934
c.Interest on trading liabilities and other borrowed money RIAD
4185 167,593
d.Interest on subordinated notes and debentures RIAD
4200 1
e.Total interest expense (sum of items 2.a through 2.d) RIAD
4073 629,183
3.Net interest income (item 1.h minus 2.e) RIAD
4074 2,151,367
4.Provision for loan and lease losses RIAD
4230 94,753
5.Noninterest income:
a.Income from fiduciary activities3 RIAD
4070 242,679
b.Service charges on deposit accounts in domestic offices RIAD
4080 174,964
c.Trading revenue4 RIAD
A220 -1,072
d.Investment banking, advisory, brokerage, and underwriting fees and commissions RIAD
B490 123,924
e.Venture capital revenue RIAD
B491 0
f.Net servicing fees RIAD
B492 0
g.Net securitization income RIAD
B493 0
h.Insurance commissions and fees RIAD
B494 90,713
i.Net gains (losses) on sales of loans and leases RIAD
5416 862
j.Net gains (losses) on sales of other real estate owned RIAD
5415 743
k.Net gains (losses) on sales of other assets (excluding securities) RIAD
B496 -232,200
l.Other noninterest income2 RIAD
B497 464,899
m.Total noninterest income (sum of items 5.a through 5.l) RIAD
4079 865,512
6.a. Realized gains (losses) on held-to-maturity securities RIAD
3521 0
b.Realized gains (losses) on available-for-sale securities RIAD
3196 13,940
7.Noninterest expense:
a.Salaries and employee benefits RIAD
4135 575,180
b.Expenses of premises and fixed assets (net of rental income) (excluding salaries and RIAD
employee benefits and mortgage interest) 4217 132,681
c.(1) Goodwill impairment losses RIAD
C216 0
(2) Amortization expense and impairment losses for other intangible assets RIAD
C232 1,566
d.Other noninterest expense2 RIAD
4092 757,259
e.Total noninterest expense (sum of items 7.a through 7.d) RIAD
4093 1,466,686
8.Income (loss) before income taxes and extraordinary items and other adjustments (item 3 RIAD
plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) 4301 1,469,380
9.Applicable income taxes (on item 8) RIAD
4302 525,875
10.Income (loss) before extraordinary items and other adjustments (item 8 minus item 9) RIAD
4300 943,505
11.Extraordinary items and other adjustments, net of income taxes2 RIAD
4320 0
12.Net income (loss) (sum of items 10 and 11) RIAD
4340 943,505
Memoranda Year-to-date
Dollar Amounts in Thousands
1.Interest expense incurred to carry tax-exempt securities, loans, and leases acquired after RIAD
August 7, 1986, that is not deductible for federal income tax purposes 4513 287
2.Income from the sale and servicing of mutual funds and annuities in domestic offices RIAD
(included in Schedule RI, item 8) 8431 100,434
3.Income on tax-exempt loans and leases to states and political subdivisions in the U.S. RIAD
(included in Schedule RI, items 1.a and 1.b) 4313 2,469
4.Income on tax-exempt securities issued by states and political subdivisions in the U.S. RIAD
(included in Schedule RI, item 1.d.(3)) 4507 16,350
5.Number of full-time equivalent employees at end of current period (round to nearest whole RIAD
number) 4150 Number
7,514
6.Not applicable
CC/YY/M
M/DD
7.If the reporting bank has restated its balance sheet as a result of applying push down RIAD
accounting this calendar year, report the date of the bank's acquisition5 9106 0
8.Trading revenue (from cash instruments and derivative instruments) (sum of Memorandum items
8.a through 8.d, must equal Schedule RI, item 5.c) (To be completed by banks that reported
average trading assets (Schedule RC-K, item 7) of $2 million or more for any quarter of the
preceding calendar year.):
a.Interest rate exposures RIAD
8757 -1,072
b.Foreign exchange exposures RIAD
8758 0
c.Equity security and index exposures RIAD
8759 0
d.Commodity and other exposures RIAD
8760 0
9.Impact on income of derivatives held for purposes other than trading:
a.Net increase (decrease) to interest income RIAD
8761 0
b.Net (increase) decrease to interest expense RIAD
8762 2,878
c.Other (noninterest) allocations RIAD
8763 0
10.Credit losses on derivatives (see instructions) RIAD
A251 0
11.Does the reporting bank have a Subchapter S election in effect for federal income tax RIAD Yes/No
purposes for the current tax year? A530 No
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1Includes interest income on time certificates of deposit not held for trading.
2Describe on Schedule RI-E--Explanations.
3For banks required to complete Schedule RC-T, items 12 through 19, income from fiduciary activities reported in
Schedule RI, item 5.a, must equal the amount reported in Schedule RC-T, item 19.
4For banks required to complete Schedule RI, Memorandum item 8, trading revenue report in Schedule RI, item 5.c,
must equal the sum of Memorandum item 8.a through 8.d).
5For example, a bank acquired on June 1, 2001, would report 20010601.
Schedule RI-A--Changes in Equity Capital
Indicate decreases and losses in parentheses.
Dollar Amounts in Thousands
1.Total equity capital most recently reported for the December 31, 2001, Reports of Condition RIAD
and Income (i.e., after adjustments from amended Reports of Income) 3217 3,191,226
2.Restatements due to corrections of material accounting errors and changes in accounting RIAD
principles* B507 0
3.Balance end of previous calendar year as restated (sum of items 1 and 2) RIAD
B508 3,191,226
4.Net income (loss) (must equal Schedule RI, item 12) RIAD
4340 943,505
5.Sale, conversion, acquisition, or retirement of capital stock, net (excluding treasury RIAD
stock transactions) B509 0
6.Treasury stock transactions, net RIAD
B510 0
7.Changes incident to business combinations, net RIAD
4356 420,978
8.LESS: Cash dividends declared on preferred stock RIAD
4470 0
9.LESS: Cash dividends declared on common stock RIAD
4460 500,000
10.Other comprehensive income1 RIAD
B511 23,984
11.Other transactions with parent holding company1 (not included in items 5, 6, 8, or 9 above) RIAD
4415 0
12.Total equity capital end of current period (sum of items 3 through 11) (must equal Schedule RIAD
RC, item 28) 3210 4,079,693
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*Describe on Schedule RI-E--Explanations.
1Includes changes in net unrealized holding gains (losses) on available-for-sale securities, changes in
accumulated net gains (losses) on cash flow hedges, foreign currency translation adjustments, and changes in
minimum pension liability adjustments.
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 excludes charge-offs and recoveries through the allocated transfer risk reserve.
(Column A) (Column B)
Charge-offs1 Recoveries
Dollar Amounts in ThousandsCalendar-year-to-date
1.Loans secured by real estate:
a.Construction, land development, and other land loans in domestic RIAD RIAD
offices 3582 150 3583 24
b. RIAD RIAD
Secured by farmland in domestic offices 3584 105 3585 281
c.Secured by 1-4 family residential properties in domestic offices:
(1)Revolving, open-end loans secured by 1-4 family residential RIAD RIAD
properties and extended under lines of credit 5411 622 5412 302
(2)Closed-end loans secured by 1-4 family residential properties
(a) RIAD RIAD
Secured by first liens C234 1,908 C217 253
(b) RIAD RIAD
Secured by junior liens C235 167 C218 506
d.Secured by multifamily (5 or more) residential properties in domestic RIAD RIAD
offices 3588 0 3589 0
e. RIAD RIAD
Secured by nonfarm nonresidential properties in domestic offices 3590 4,956 3591 271
f. RIAD RIAD
In foreign offices B512 0 B513 0
2.Loans to depository institutions and acceptances of other banks:
a. RIAD RIAD
To U.S. banks and other U.S. depository institutions 4653 0 4663 0
b. RIAD RIAD
To foreign banks 4654 0 4664 0
3. RIAD RIAD
Loans to finance agricultural production and other loans to farmers 4655 548 4665 739
4.Commercial and industrial loans:
a. RIAD RIAD
To U.S. addressees (domicile) 4645 66,890 4617 12,553
b. RIAD RIAD
To non-U.S. addressees (domicile) 4646 0 4618 0
5.Loans to individuals for household, family, and other personal
expenditures:
a. RIAD RIAD
Credit cards B514 19,536 B515 1,108
b.Other (includes single payment, installment, all student loans, and RIAD RIAD
revolving credit plans other than credit cards) B516 17,806 B517 7,827
6. RIAD RIAD
Loans to foreign governments and official institutions 4643 0 4627 0
7. RIAD RIAD
All other loans 4644 283 4628 38
8.Lease financing receivables:
a. RIAD RIAD
To U.S. addressees (domicile) 4658 2,275 4668 250
b. RIAD RIAD
To non-U.S. addressees (domicile) 4659 0 4669 0
9. RIAD RIAD
Total (sum of items 1 through 8) 4635 115,246 4605 24,152
(Column A) (Column B)
Memoranda Charge-offs1 Recoveries
Dollar Amounts in ThousandsCalendar-year-to-date
1.Loans to finance commercial real estate, construction, and land RIAD RIAD
development activities (not secured by real estate) included in Schedule 5409 0 5410 0
RI-B, part I, items 4 and 7, above
2.Loans secured by real estate to non-U.S. addressees (domicile) (included RIAD RIAD
in Schedule RI-B, part I, item 1, above) 4652 0 4662 0
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1Include write-downs arising from transfers of loans to a held-for-sale account.
Part II. Changes in Allowance for Loan and Lease Losses
Dollar Amounts in Thousands
1.Balancemost recently reported for the December 31, 2001, Reports of Condition and Income RIAD
(i.e., after adjustments from amended Reports of Income) B522 281,751
2.Recoveries (must equal part I, item 9,column B above) RIAD
4605 24,152
3.LESS: Charge-offs (must equal part I, item 9, column A above less Schedule RI-B, part II, RIAD
item 4 ) C079 115,246
4.LESS: Write-downs arising from transfers of loans to a held-for-sale account RIAD
5523 0
5.Provision for loan and lease losses (must equal Schedule RI, item 4) RIAD
4230 94,753
6.Adjustments* (see instructions for this schedule) RIAD
C233 -1,147
7.Balance end of current period (sum of items 1,2,5, and 6, less items 3 and 4) (must equal RIAD
Schedule RC, item 4.c) 3123 284,263
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*Describe on Schedule RI-E---Explanations.
Schedule RI-D--Income from International Operations
For all banks with foreign Offices, Edge or Agreement subsidiaries, or IBFs where international operations account
for more than 10 percent of total revenues, total assets, or net income.
Dollar Amounts in Thousands
1.Interest income and expense attributable to international operations:
a.Gross interest income RIAD
B523 0
b.Gross interest expense RIAD
B524 0
2.Net interest income attributable to international operations (item 1.a minus 1.b.) RIAD
B525 0
3.Noninterest income and expense attributable to international operations:
a.Noninterest income attributable to international operations RIAD
4097 0
b.Provision for loan and lease losses attributable to international operations RIAD
4235 0
c.Other noninterest expense attributable to international operations RIAD
4239 0
d.Net noninterest income (expense) attributable to international operations (item 3.a RIAD
minus 3.b and 3.c) 4843 0
4.Estimated pretax income attributable to international operations before capital allocation RIAD
adjustment (sum of items 2 and 3.d) 4844 0
5.Adjustment to pretax income for internal allocations to international operations to reflect RIAD
the effects of equity capital on overall bank funding costs 4845 0
6.Estimated pretax income attributable to international operations after capital allocation RIAD
adjustment (sum of items 4 and 5) 4846 0
7.Income taxes attributable to income from international operations as estimated in item 6 RIAD
4797 0
8.Estimated net income attributable to international operations (item 6 minus 7) RIAD
4341 0
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 ThousandsYear-to-date
1.Other noninterest income (from Schedule RI, item 5.l)
Itemize and describe amounts that exceed 1% of the sum of Schedule RI, items 1.h and 5.m:
a.Income and fees from the printing and sale of checks RIAD
C013 0
b.Earnings on/increase in value of cash surrender value of life insurance RIAD
C014 0
c.Income and fees from automated teller machines (ATMs) RIAD
C016 0
d.Rent and other income from other real estate owned RIAD
4042 0
e.Safe deposit box rent RIAD
C015 0
f.(TEXT 4461) Intercompany allocations RIAD
4461 274,457
g.(TEXT 4462) Credit card fees RIAD
4462 62,052
h.(TEXT 4463) Loan origination fees RIAD
4463 40,003
2.Other noninterest expense (from Schedule RI, item 7.d)
Itemize and describe the amounts that exceed 1% of the sum of Schedule RI, items 1.h and
5.m:
a.Data processing expenses RIAD
C017 44,129
b.Advertising and marketing expenses RIAD
0497 0
c.Directors' fees RIAD
4136 0
d.Printing, stationery, and supplies RIAD
C018 0
e.Postage RIAD
8403 0
f.Legal fees and expenses RIAD
4141 0
g.FDIC deposit insurance assessments RIAD
4146 0
h.(TEXT 4464) Intercompany allocations RIAD
4464 476,014
i.(TEXT 4467) Other fees & service charges RIAD
4467 89,364
j.(TEXT 4468) RIAD
4468 0
3.Extraordinary items and other adjustments and applicable income tax effect (from Schedule
RI, item 11) (itemize and describe all extraordinary items and other adjustments)
a.(1) Effect of adopting FAS 142, "Goodwill and Other Intangible Assets" RIAD
C231 0
(2)Applicable income tax effect RIAD
4486 0
b.(1) (TEXT 4487 RIAD
4487 0
(2)Applicable income tax effect RIAD
4488 0
c.(1) (TEXT 4489 RIAD
4489 0
(2)Applicable income tax effect RIAD
4491 0
4.Restatements due to corrections of material accounting errors and changes in accounting
principles (from Schedule RI-A, item 2) (itemize and describe all restatements):
a.(TEXT B526) RIAD
B526 0
b.(TEXT B527) RIAD
B527 0
5.Other transactions with parent holding company (from Schedule RI-A, item 11) (itemize and
describe all such transactions)
a.(TEXT 4498) RIAD
4498 0
b.(TEXT 4499) RIAD
4499 0
6.Adjustments to allowance for loan and lease losses (from Schedule RI-B, part II, item 6)
(itemize and describe all adjustments):
a.(TEXT 4521) Write-downs arising from transfers of loans to the held-for-sale account RIAD
4521 -29,483
b.(TEXT 4522) Marquette merger RIAD
4522 28,336
7.Other explanations (the space below is provided for the bank to briefly describe, at its
option, any other significant items affecting the Report of Income):
Schedule RC--Balance Sheet
Dollar Amounts in Thousands
ASSETS
1.Cash and balances due from depository institutions (from Schedule RC-A)
a.Noninterest-bearing balances and currency and coin1 RCFD
0081 1,820,590
b.Interest-bearing balances2 RCFD
0071 63,877
2.Securities:
a.Held-to-maturity securities (from Schedule RC-B, column A) RCFD
1754 0
b.Available-for-sale securities (from Schedule RC-B, column D) RCFD
1773 1,613,776
3.Federal funds sold and securities purchased under agreements to resell
a.Federal funds sold in domestic offices RCON
B987 8,118,713
b.Securities purchased under agreements to resell3 RCFD
B989 159,512
4.Loans and lease financing receivables (from Schedule RC-C):
a.Loans and leases held for sale RCFD
5369 21,079,237
b.Loans and leases, net of unearned income RCFD
B528 18,011,762
c.LESS: Allowance for loan and lease losses RCFD
3123 284,263
d.Loans and leases, net of unearned income and allowance (item 4.b minus 4.c) RCFD
B529 17,727,499
5.Trading assets (from Schedule RC-D) RCFD
3545 367,486
6.Premises and fixed assets (including capitalized leases) RCFD
2145 157,682
7.Other real estate owned (from Schedule RC-M) RCFD
2150 7,328
8.Investments in unconsolidated subsidiaries and associated companies (from Schedule RC-M) RCFD
2130 0
9.Customers' liability to this bank on acceptances outstanding RCFD
2155 23,492
10.Intangible assets:
a.Goodwill RCFD
3163 341,605
b.Other intangible assets (from Schedule RC-M) RCFD
0426 7,596
11.Other assets (from Schedule RC-F) RCFD
2160 1,354,807
12.Total assets (sum of items 1 through 11) RCFD
2170 52,843,200
LIABILITIES
13.Deposits:
a.In domestic offices (sum of totals of columns A and C from Schedule RC-E, part I) RCON
2200 32,863,493
(1)Noninterest-bearing4 RCON
6631 20,656,572
(2)Interest-bearing RCON
6636 12,206,921
b.In foreign offices, Edge and Agreement subsidiaries, and IBFs (from Schedule RC-E, part RCFN
II) 2200 5,802,375
(1)Noninterest-bearing RCFN
6631 10,504
(2)Interest-bearing RCFN
6636 5,791,871
14.Federal funds purchased and securities sold under agreements to repurchase
a.Federal funds purchased in domestic offices5 RCON
B993 1,685,713
b.Securities sold under agreements to repurchase6 RCFD
B995 459,274
15.Trading liabilities (from Schedule RC-D) RCFD
3548 45,836
16.Other borrowed money (includes mortgage indebtedness and obligations under capitalized RCFD
leases) (from Schedule RC-M) 3190 7,081,695
17.Not applicable
18.Bank's liability on acceptances executed and outstanding RCFD
2920 23,492
19.Subordinated notes and debentures7 RCFD
3200 0
20.Other liabilities (from Schedule RC-G) RCFD
2930 801,629
21.Total liabilities (sum of items 13 through 20) RCFD
2948 48,763,507
22.Minority interest in consolidated subsidiaries RCFD
3000 0
EQUITY CAPITAL
23.Perpetual preferred stock and related surplus RCFD
3838 0
24.Common stock RCFD
3230 100,000
25.Surplus (exclude all surplus related to preferred stock) RCFD
3839 2,133,596
26.a. Retained earnings RCFD
3632 1,793,289
b.Accumulated other comprehensive income8 RCFD
B530 52,808
27.Other equity capital components9 RCFD
A130 0
28.Total equity capital (sum of items 23 through 27) RCFD
3210 4,079,693
29.Total liabilities, minority interest, and equity capital (sum of items 21, 22, and 28) RCFD
3300 52,843,200
Memorandum
To be reported with the March Report of Condition.
1.Indicate in the box at the right the number of the statement below that best describes the
most comprehensive level of auditing work performed for the bank by independent external RCFD
auditors as of any date during 2001 6724 Number
N/A
1 =Independent audit of the bank conducted in 4 =Directors' examination of the bank conducted in
accordance with generally accepted auditing accordance with generally accepted auditing
standards by a certified public accounting firm standards by a certified public accounting firm (may
which submits a report on the bank be required by state chartering authority)
2 =Independent audit of the bank's parent holding 5 =Directors' examination of the bank performed by
company conducted in accordance with generally other external auditors (may be required by state
accepted auditing standards by a certified public chartering authority)
accounting firm which submits a report on the
consolidated holding company (but not on the bank
separately)
6 =Review of the bank's financial statements by
external auditors
7 =Compilation of the bank's financial statements by
external auditors
3 =Attestation on bank management's assertion on the 8 =Other audit procedures (excluding tax preparation
effectiveness of the bank's internal control over work)
financial reporting by a certified public accounting
firm
9 =No external audit work
-----------------------
1Includes cash items in process of collection and unposted debits.
2Includes time certificates of deposit not held for trading.
3Includes all securities resale agreements in domestic and foreign offices, regardless of maturity.
4Includes total demand deposits and noninterest-bearing time and savings deposits.
5Report overnight Ferderal Home Loan Bank advantages in Schedule RC, item 16,"other borrowed money."
6Includes all securities repurchase agreements in domestic and foreign offices, regardless of maturity.
7Includes limited-life preferred stock and related surplus.
8Includes net unrealized holding gains (losses) on available-for-sale securities, accumulated net gains (losses)
on cash flow hedges, cumulative foreign currency translation adjustments, and minimum pension liability
adjustments.
9Includes treasury stock and unearned Employee Stock Ownership Plan shares.
Schedule RC-A -- Cash and Balances Due From Depository Institutions
Exclude assets held for trading.
Dollar Amounts in Thousands (Column A) (Column B)
Consolidated Bank Domestic Offices
1.Cash items in process of collection, unposted debits, and currency and RCFD
coin 0022 1,616,545
a. RCON
Cash items in process of collection and unposted debits 0020 1,433,842
b. RCON
Currency and coin 0080 182,703
2. RCON
Balances due from depository institutions in the U.S. 0082 185,144
a. RCFD
U.S.branches and agencies of foreign banks (including their IBFs) 0083 0
b.Other commercial banks in the U.S. and other depository institutions RCFD
in the U.S. (including their IBFs) 0085 185,300
3. RCON
Balances due from banks in foreign countries and foreign central banks 0070 11,842
a. RCFD
Foreign branches of other U.S. banks 0073 11,622
b. CFD
Other banks in foreign countries and foreign central banks 0074 220
4. RCFD 70,780 RCON
Balances due from Federal Reserve Banks 0090 0090 70,698
5.Total (sum of items 1 through 4) (total of column A must equal Schedule RCFD 1,884,467 RCON
RC, sum of items 1.a and 1.b) 0010 0010 1,884,229
Schedule RC-B--Securities
Exclude assets held for trading.
Held-to-maturity Available-for-sale
(Column A) (Column B) (Column C) (Column D)
Dollar Amounts in Thousands Amortized Cost Fair Value Amortized Cost Fair Value
1. RCFD RCFD RCFD RCFD
U.S.Treasury securities 0211 0 0213 0 1286 183,519 1287 197,889
2.U.S.Government agency obligations
(exclude mortgage-backed securities):
a. RCFD RCFD RCFD RCFD
Issued by U.S. Government agencies1 1289 0 1290 0 1291 6 1293 6
b.Issued by U.S. Government RCFD RCFD RCFD RCFD
sponsored agencies2 1294 0 1295 0 1297 132,570 1298 137,863
3.Securities issued by states and RCFD RCFD RCFD RCFD
political subdivisions in the U.S. 8496 0R 8497 0R 8498 300,444 8499 321,839
4.Mortgage-backed securities (MBS):
a.Pass-through securities:
(1) RCFD RCFD RCFD RCFD
Guaranteed by GNMA 1698 0 1699 0 1701 231,831 1702 247,285
(2) RCFD RCFD RCFD RCFD
Issued by FNMA and FHLMC 1703 0 1705 0 1706 384,871 1707 413,362
(3) RCFD RCFD RCFD RCFD
Other passthrough securities 1709 0 1710 0 1711 0 1713 0
b.Other mortgage-backed securities
(include CMOs, REMICs, and
stripped MBS):
(1)Issued or guaranteed by FNMA, RCFD RCFD RCFD RCFD
FHLMC, or GNMA 1714 0 1715 0 1716 4,600 1717 4,629
(2)Collateralized by MBS issued RCFD RCFD RCFD RCFD
or guaranteed by FNMA, FHLMC, 1718 0 1719 0 1731 3 1732 4
or GNMA
(3)All other mortgage-backed RCFD RCFD RCFD RCFD
securities 1733 0 1734 0 1735 8,580 1736 8,650
5.Asset-backed securities (ABS):
a. RCFD RCFD RCFD RCFD
Credit card receivables B838 0 B839 0 B840 B841 0
b. RCFD RCFD RCFD RCFD
Home equity lines B842 0 B843 0 B844 0 B845 0
c. RCFD RCFD RCFD RCFD
Automobile loans B846 0 B847 0 B848 0 B849 0
d. RCFD RCFD RCFD RCFD
Other consumer loans B850 0 B851 0 B852 406 B853 409
e. RCFD RCFD RCFD RCFD
Commercial and industrial loans R B854 0 B855 0 B856 2,547 B857 2,354
f. RCFD RCFD RCFD RCFD
Other B858 0 B859 0 B860 0 B861 0
6.Other debt securities:
a. RCFD RCFD RCFD RCFD
Other domestic debt securities 1737 0 1738 0 1739 110,773 1741 107,384
b. RCFD RCFD RCFD RCFD
Foreign debt securities 1742 0 1743 0 1744 47,319 1746 51,773
7.Investments in mutual funds and other RCFD RCFD
equity securities with readily A510 119,617 A511 120,329
determinable fair values3
8.Total (sum of items 1 through 7)
(total of column A must equal
Schedule RC, Item 2.a) (total of
column D must equal Schedule RC, item RCFD RCFD RCFD RCFD
2.b) 1754 0 1771 0 1772 1,527,086 1773 1,613,776
Memoranda
Dollar Amounts in Thousands
1.Pledged securities4 RCFD
0416 260,266
2.Maturity and repricing data for debt securities4,5 (excluding those in nonaccrual status)
a.Securities issued by the U.S. Treasury, U.S. Government agencies, and states and
political subdivisions in the U.S.; other non-mortgage debt securities; and mortgage
pass-through securities other than those backed by closed-end first lien 1-4 family
residential mortgages with a remaining maturity or next repricing date of:6,7
(1)Three months or less RCFD
A549 165,915
(2)Over three months through 12 months RCFD
A550 72,374
(3)Over one year through three years RCFD
A551 74,600
(4)Over three years through five years RCFD
A552 134,421
(5)Over five years through 15 years. RCFD
A553 252,551
(6)Over 15 years RCFD
A554 119,656
b.Mortgage pass-through securities backed by closed-end first lien 1-4 family residential
mortgages with a remaining maturity or next repricing date of:6,8
(1)Three months or less RCFD
A555 3,872
(2)Over three months through 12 months RCFD
A556 6,437
(3)Over one year through three years RCFD
A557 742
(4)Over three years through five years RCFD
A558 1,331
(5)Over five years through 15 years RCFD
A559 38,211
(6)Over 15 years RCFD
A560 610,054
c.Other mortgage-backed securities (include CMOs, REMICs, and stripped MBS; exclude
mortgage pass-through securities) with an expected average life of:9
(1)Three years or less RCFD
A561 7,217
(2)Over three years RCFD
A562 6,066
d.Debt securities with a REMAINING MATURITY of one year or less (included in Memorandum RCFD
items 2.a through 2.c above) A248 166,083
3.Amortized cost of held-to-maturity securities sold or transferred to available-for-sale or
trading securities during the calendar year-to-date (report the amortized cost at date of RCFD
sale or transfer) 1778 0
4.Structured notes (included in the held-to-maturity and available-for-sale accounts in
Schedule RC-B, items 2, 3, 5, and 6):
a.Amortized cost RCFD
8782 0
b.Fair value RCFD
8783 0
---------------------
1Includes Small Business Administration "Guaranteed Loan Pool Certificates," U.S. Maritime Administration
obligations, and Export-Import Bank participation certificates.
2Includes 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.
3Report Federal Reserve stock, Federal Home Loan Bank stock, and bankers' bank stock in Schedule RC-F, item 4.
4Includes held-to-maturity securities at amortized cost and available-for-sale securities at fair value.
5Exclude investments in mutual funds and other equity securities with readily determinable fair values.
6Report fixed rate debt securities by remaining maturity and floating rate debt securities by next repricing date.
7Sum of Memorandum items 2.a.(1) through 2.a.(6) plus any nonaccrual debt securities in the categories of debt
securities reported in Memorandum item 2.a that are included in Schedule RC-N, item 9, column C, must equal
Schedule RC-B, sum of items 1, 2, 3, 5, and 6, columns A and D, plus mortgage pass-through securities other than
those backed by closed-end first lien 1-4 family residential mortgages included in Schedule RC-B, item 4.a,
columns A and D.
8Sum 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 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.
9Sum of Memorandum items 2.c.(1) and 2.c.(2) plus any nonaccrual "Other mortgage-backed securities" included in
Schedule RC-N, item 9, column C, must equal Schedule RC-B, item 4.b, sum of columns A and D.
Schedule RC-C--Loans and Lease Financing Receivables
Part I. Loans and Leases
Do not deduct the allowance for loan and lease losses from amounts reported in this schedule. Report (1) loans and
leases held for sale at the lower of cost or market value and (2) other loans and leases, net of unearned income.
Report loans and leases net of any applicable allocated transfer risk reserve. Exclude assets held for trading and
commercial paper.
Dollar Amounts in Thousands (Column A) (Column B)
Consolidated Bank Domestic Offices
1. RCFD
Loans secured by real estate: 1410 26,873,038
a. RCON
Construction, land development, and other land loans 1415 212,279
b. RCON
Secured by farmland (including farm residential and other improvements) 1420 78,883
c.Secured by 1-4 family residential properties:
(1)Revolving, open-end loans secured by 1-4 family residential RCON
properties and extended under lines of credit 1797 981,424
(2)Closed-end loans secured by 1-4 family residential properties:
(a) RCON
Secured by first liens 5367 23,702,527
(b) RCON
Secured by junior liens 5368 1,078,833
d. RCON
Secured by multifamily (5 or more) residential properties 1460 55,776
e. RCON
Secured by nonfarm nonresidential properties 1480 763,316
2.Loans to depository institutions and acceptances of other banks:
a. RCON
To commercial banks in the U.S. B531 2,763,148
(1) RCFD
To U.S. branches and agencies of foreign banks B532 0
(2) RCFD
To other commercial banks in the U.S. B533 2,763,383
b. RCFD 0 RCON
To other depository institutions in the U.S. B534 B534 0
c. RCON
To banks in foreign countries B535 235
(1) RCFD
To foreign branches of other U.S. banks B536 0
(2) RCFD
To other banks in foreign countries B537 238
3. RCFD RCON
Loans to finance agricultural production and other loans to farmers 1590 185,921 1590 185,921
4.Commercial and industrial loans:
a. RCFD RCON
To U.S. addressees (domicile) 1763 4,947,382 1763 4,947,382
b. RCFD RCON
To non-U.S. addressees (domicile) 1764 1,151 1764 0
5.Not applicable
6.Loans to individuals for household, family, and other personal
expenditures (i.e., consumer loans) (includes purchased paper):
a. RCFD RCON
Credit cards B538 384 B538 384
b. RCFD RCON
Other revolving credit plans B539 116,449 B539 116,449
c.Other consumer loans (includes single payment, installment, and all RCFD RCON
student loans) 2011 815,867 2011 815,867
7.Loans to foreign governments and official institutions (including foreign RCFD RCON
central banks) 2081 0 2081 0
8.Obligations (other than securities and leases) of states and political RCFD RCON
subdivisions in the U.S. 2107 28,443 2107 28,443
9. RCFD
Other loans 1563 389,515
a. RCON
Loans for purchasing or carrying securities (secured and unsecured) 1545 138,513
b. RCON
All other loans (exclude consumer loans) 1564 251,002
10. RCON
Lease financing receivables (net of unearned income) 2165 2,969,228
a. RCFD
Of U.S. addressees (domicile) 2182 2,969,228
b. RCFD
Of non-U.S. addressees (domicile) 2183 0
11. RCFD RCON
LESS: Any unearned income on loans reflected in items 1-9 above 2123 0 2123 0
12.Total loans and leases, net of unearned income (sum of items 1 through 10 RCON
minus item 11) (total of column A must equal Schedule RC, sum of items RCFD 2122
4.a and 4.b) 2122 39,090,999 39,089,610
Memoranda
Dollar Amounts in Thousands
1.Loans and leases restructured and in compliance with modified terms (included in Schedule
RC-C, part I, and not reported as past due or nonaccrual in Schedule RC-N, Memorandum item
1) (exclude loans secured by 1-4 family residential properties and loans to individuals for RCFD
household, family, and other personal expenditures) 1616 0
2.Maturity and repricing data for loans and leases (excluding those in nonaccrual status):
a.Closed-end loans secured by first liens on 1-4 family residential properties in domestic
offices (reported in Schedule RC-C, part I, item 1.c.(2)(a), column B) with a remaining
maturity or next repricing date of:1,2
(1)Three months or less RCON
A564 20,804,158
(2)Over three months through 12 months RCON
A565 560,630
(3)Over one year through three years RCON
A566 35,357
(4)Over three years through five years RCON
A567 89,077
(5)Over five years through 15 years RCON
A568 1,638,299
(6)Over 15 years RCON
A569 555,531
b.All loans and leases (reported in Schedule RC-C, part I, items 1 through 10, column A)
EXCLUDING closed-end loans secured by first liens on 1-4 family residential properties
in domestic offices (reported in Schedule RC-C, part I, item 1.c.(2)(a), column B) with
a remaining maturity or next repricing date of1,3
(1)Three months or less RCFD
A570 8,038,125
(2)Over three months through 12 months RCFD
A571 1,160,695
(3)Over one year through three years RCFD
A572 1,786,723
(4)Over three years through five years RCFD
A573 1,488,936
(5)Over five years through 15 years RCFD
A574 1,762,590
(6)Over 15 years RCFD
A575 967,431
c.Loans and leases (reported in Schedule RC-C, part I, items 1 through 10, column A) with RCFD
a REMAINING MATURITY of one year or less (excluding those in nonaccrual status) A247 25,129,741
3.Loans to finance commercial real estate, construction, and land development activities (not RCFD
secured by real estate) included in Schedule RC-C, part I, items 4 and 9, column A4 2746 176,599
4.Adjustable rate closed-end loans secured by first liens on 1-4 family residential
properties in domestic offices (included in Schedule RC-C, part I, item 1.c.(2)(a), column RCON
B) 5370 7,670,359
5.Loans secured by real estate to non-U.S. addressees (domicile) (included in Schedule RC-C, RCFD
part I, item 1, column A) B837 0
--------------------
1Report fixed rate loans and leases by remaining maturity and floating rate loans by next repricing date.
2Sum 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 in domestic offices 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.
3Sum 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 in domestic offices 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 A, minus total closed-end
loans secured by first liens on 1-4 family residential properties in domestic offices from Schedule RC-C, part
I, item 1.c.(2)(a), column B.
4Exclude loans secured by real estate that are included in Schedule RC-C, part I, item 1, column A.
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 for any quarter of the preceding calendar year.
Dollar Amounts in Thousands
ASSETS
1.U.S.Treasury securities in domestic offices RCON
3531 0
2.U.S.Government agency obligations in domestic offices (exclude mortgage-backed securities) RCON
3532 0
3.Securities issued by states and political subdivisions in the U.S. in domestic offices RCON
3533 0
4.Mortgage-backed securities (MBS) in domestic offices:
a.Pass-through securities issued or guaranteed by FNMA, FHLMC, or GNMA RCON
3534 318,572
b.Other mortgage-backed securities issued or guaranteed by FNMA, FHLMC, or GNMA (include RCON
CMOs, REMICs, and stripped MBS) 3535 0
c.All other mortgage-backed securities RCON
3536 0
5.Other debt securities in domestic offices RCON
3537 0
6.-8.Not applicable
9.Other trading assets in domestic offices RCON
3541 0
10.Trading assets in foreign offices RCFN
3542 0
11.Revaluation gains on interest rate, foreign exchange rate, and other commodity and equity
contracts:
a.In domestic offices RCON
3543 48,914
b.In foreign offices RCFN
3543 0
12.Total trading assets (sum of items 1 through 11) (must equal Schedule RC, item 5) RCFD
3545 367,486
LIABILITIES
13.Liability for short positions RCFD
3546 0
14.Revaluation losses on interest rate, foreign exchange rate, and other commodity and equity RCFD
contracts 3547 45,836
15.Total trading liabilities (sum of items 13 and 14) (must equal Schedule RC, item 15) RCFD
3548 45,836
Schedule RC-E--Deposit Liabilities
Part I. Deposits in Domestic Offices
Transaction Accounts Nontransaction
Accounts
(Column A) Total (Column B) (Column C)
transaction Memo: Total Total
accounts demand deposits nontransaction
(including total (included in accounts
Dollar Amounts in Thousands demand deposits) column A) (including MMDAs)
Deposits of:
1.Individuals, partnerships, and corporations (include RCON RCON
all certified and official checks) B549 2,544,833 B550 29,360,774
2. RCON RCON
U.S.Government 2202 7,000 2520 1,316
3. RCON RCON
States and political subdivisions in the U.S. 2203 47,974 2530 452,031
4.Commercial banks and other depository institutions in RCON RCON
the U.S. B551 449,565 B552 0
5. RCON RCON
Banks in foreign countries 2213 0 2236 0
6.Foreign governments and official institutions RCON RCON
(including foreign central banks) 2216 0 2377 0
7.Total (sum of items 1 through 6) (sum of columns A and RCON RCON RCON
C must equal Schedule RC, item 13.a) 2215 3,049,372 2210 2,728,465 2385 29,814,121
Memoranda
Dollar Amounts in Thousands
1.Selected components of total deposits (i.e., sum of item 7, columns A and C):
a.Total Individual Retirement Accounts (IRAs) and Keogh Plan accounts RCON
6835 496,658
b.Total brokered deposits RCON
2365 42,472
c.Fully insured brokered deposits (included in Memorandum item 1.b above):
(1)Issued in denominations of less than $100,000 RCON
2343 0
(2)Issued either in denominations of $100,000 or in denominations greater than $100,000 RCON
and participated out by the broker in shares of $100,000 or less 2344 0
d.Maturity data for brokered deposits:
(1)Brokered deposits issued in denominations of less than $100,000 with a remaining RCON
maturity of one year or less (included in Memorandum item 1.c.(1) above) A243 0
(2)Brokered deposits issued in denominations of $100,000 or more with a remaining RCON
maturity of one year or less (included in Memorandum item 1.b above) A244 42,472
e.Preferred deposits (uninsured deposits of states and political subdivisions in the U.S.
reported in item 3 above which are secured or collateralized as required under state RCON
law) (to be completed for the December report only) 5590 416,547
2.Components of total nontransaction accounts (sum of Memorandum items 2.a through 2.c must
equal item 7, column C above):
a.Savings deposits:
(1)Money market deposit accounts (MMDAs) RCON
6810 7,260,270
(2)Other savings deposits (excludes MMDAs) RCON
0352 20,621,096
b.Total time deposits of less than $100,000 RCON
6648 1,613,279
c.Total time deposits of $100,000 or more RCON
2604 319,476
3.Maturity and repricing data for time deposits of less than $100,000:
a.Time deposits of less than $100,000 with a remaining maturity or next repricing date
of:1,2
(1)Three months or less RCON
A579 278,563
(2)Over three months through 12 months RCON
A580 588,662
(3)Over one year through three years RCON
A581 544,402
(4)Over three years RCON
A582 201,652
b.Time deposits of less than $100,000 with a REMAINING MATURITY of one year or less RCON
(included in Memorandum items 3.a.(1) through 3.a.(4) above)3 A241 867,225
4.Maturity and repricing data for time deposits of $100,000 or more:
a.Time deposits of $100,000 or more with a remaining maturity or next repricing date of:1,4
(1)Three months or less RCON
A584 49,794
(2)Over three months through 12 months RCON
A585 129,533
(3)Over one year through three years RCON
A586 72,798
(4)Over three years RCON
A587 67,351
b.Time deposits of $100,000 or more with a REMAINING MATURITY of one year or less RCON
(included in Memorandum items 4.a.(1) through 4.a.(4) above)3 A242 179,327
Part II. Deposits in Foreign Offices (including Edge and Agreement subsidiaries and IBFs)
Dollar Amounts in Thousands
Deposits of:
1.Individuals, partnerships, and corporations (include all certified and official checks) RCFN
B553 230,609
2.U.S. banks (including IBFs and foreign branches of U.S. banks) and other U.S. depository RCFN
institutions B554 5,482,276
3.Foreign banks (including U.S. branches and agencies of foreign banks, including their IBFs) RCFN
2625 89,490
4.Foreign governments and official institutions (including foreign central banks) RCFN
2650 0
5.U.S. Government and states and political subdivisions in the U.S. RCFN
B555 0
6.Total (sum of items 1 through 5) (must equal Schedule RC, item 13.b) RCFN
2200 5,802,375
Memorandum
Dollar Amounts in Thousands
1.Time deposits with a remaining maturity of one year or less (included in Part II, item 6 RCFN
above) A245 5,792,704
-------------------
1Report fixed rate time deposits by remaining maturity and floating rate time deposits by next repricing date.
2Sum of Memorandum items 3.a.(1) through 3.a.(4) must equal Schedule RC-E, Memorandum item 2.b.
3Report 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.
4Sum of Memorandum items 4.a.(1) through 4.a.(4) must equal Schedule RC-E, Memorandum item 2.c.
Schedule RC-F--Other Assets
Dollar Amounts in Thousands
1.Accrued interest receivable1 RCFD
B556 144,866
2.Net deferred tax assets2 RCFD
2148 0
3.Interest-only strips receivable (not in the form of a security)3 on:
a.Mortgage loans RCFD
A519 0
b.Other financial assets RCFD
A520 0
4.Equity securities that DO NOT have readily determinable fair values4 RCFD
1752 487,226
5.Other (itemize and describe amounts greater than $25,000 that exceed 25% of this item) RCFD
2168 722,715
a.Prepaid expenses RCFD
2166 0
b.Cash surrender value of life insurance RCFD
C009 354,845
c.Repossessed personal property (including vehicles) RCFD
1578 0
d.Derivatives with a positive fair value held for purposes other than trading RCFD
C010 0
e.(TEXT 3549) RCFD
3549 0
f.(TEXT 3550) RCFD
3550 0
g.(TEXT 3551) RCFD
3551 0
6.Total (sum of items 1 through 5) (must equal Schedule RC, item 11) RCFD
2160 1,354,807
-----------------------
1Include accrued interest receivable on loans, leases, debt securities, and other interest-bearing assets.
2See discussion of deferred income taxes in Glossary entry on "income taxes."
3Report 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.
4Include Federal Reserve stock, Federal Home Loan Bank stock, and bankers' bank stock.
Schedule RC-G--Other Liabilities
Dollar Amounts in Thousands
1.a. Interest accrued and unpaid on deposits in domestic offices1 RCON
3645 24,179
b.Other expenses accrued and unpaid (includes accrued income taxes payable) RCFD
3646 147,510
2.Net deferred tax liabilities2 RCFD
3049 521,051
3.Allowance for credit losses on off-balance sheet credit exposures RCFD
B557 0
4.Other (itemize and describe amounts greater than $25,000 that exceed 25% of this item) RCFD
2938 108,889
a.Accounts payable RCFD
3066 71,275
b.Deferred compensation liabilities RCFD
C011 0
c.Dividends declared but not yet payable RCFD
2932 0
d.Derivatives with a negative fair value held for purposes other than trading RCFD
C012 0
e.(TEXT 3552) RCFD
3552 0
f.(TEXT 3553) RCFD
3553 0
g.(TEXT 3554) RCFD
3554 0
5.Total (sum of items 1 through 4) (must equal Schedule RC, item 20) RCFD
2930 801,629
-----------------------
1For savings banks, include "dividends" accrued and unpaid on deposits.
2See discussion of deferred income taxes in Glossary entry on "income taxes."
Schedule RC-H--Selected Balance Sheet Items for Domestic Offices
Dollar Amounts in Thousands
1.Customers' liability to this bank on acceptances outstanding RCON
2155 2,420
2.Bank's liability on acceptances executed and outstanding RCON
2920 2,420
3.Securities purchased under agreements to resell RCON
B989 159,512
4.Securities sold under agreements to repurchase RCON
B995 459,274
5.Other borrowed money RCON
3190 7,081,695
EITHER
6.Net due from own foreign offices, Edge and Agreement subsidiaries, and IBFs RCON
2163 0
OR
7.Net due to own foreign offices, Edge and Agreement subsidiaries, and IBFs RCON
2941 5,726,406
8.Total assets (excludes net due from foreign offices, Edge and Agreement subsidiaries, and RCON
IBFs) 2192 52,707,193
9.Total liabilities (excludes net due to foreign offices, Edge and Agreement subsidiaries, RCON
and IBFs) 3129 42,901,094
In items 10-17, report the amortized (historical) cost of both held-to-maturity and
available-for-sale securities in domestic offices.
10.U.S. Treasury securities RCON
1039 183,519
11.U.S. Government agency obligations (exclude mortgage-backed securities) RCON
1041 132,576
12.Securities issued by states and political subdivisions in the U.S. RCON
1042 300,444
13.Mortgage-backed securities (MBS):
a.Pass-through securities:
(1)Issued or guaranteed by FNMA, FHLMC, or GNMA RCON
1043 616,702
(2)Other pass-through securities. RCON
1044 0
b.Other mortgage-backed securities (include CMOs, REMICs, and stripped MBS):
(1)Issued or guaranteed by FNMA, FHLMC, or GNMA RCON
1209 4,600
(2)All other mortgage-backed securities RCON
1280 8,583
14.Other domestic debt securities (include domestic asset-backed securities) RCON
1281 113,726
15.Foreign debt securities (include foreign asset-backed securities) RCON
1282 47,319
16.Investments in mutual funds and other equity securities with readily determinable fair RCON
values A510 119,617
17.Total amortized (historical) cost of both held-to-maturity and available-for-sale RCON
securities (sum of items 10 through 16) 1374 1,527,086
18.Equity securities that do not have readily determinable fair values RCON
1752 487,226
Schedule RC-I--Assets and Liabilities of IBFs
To be completed only by banks with IBFs and other "foreign" offices.
Dollar Amounts in Thousands
1.Total IBF assets of the consolidated bank (component of Schedule RC, item 12) RCFN
2133 N/A
2.Total IBF liabilities (component of Schedule RC, item 21) RCFD
2898 N/A
Schedule RC-K--Quarterly Averages1
Dollar Amounts in Thousands
ASSETS
1.Interest-bearing balances due from depository institutions RCFD
3381 53,190
2.U.S. Treasury securities and U.S. Government agency obligations2 (excluding mortgage-backed RCFD
securities) B558 317,381
3.Mortgage-backed securities2 RCFD
B559 862,649
4.All other securities2,3 (includes securities issued by states and political subdivisions in RCFD
the U.S.) B560 590,945
5.Federal funds sold and securities purchased under agreements to resell RCFD
3365 10,591,657
6.Loans:
a.Loans in domestic offices:
(1)Total loans RCON
3360 37,200,268
(2)Loans secured by real estate RCON
3385 27,637,357
(3)Loans to finance agricultural production and other loans to farmers RCON
3386 192,473
(4)Commercial and industrial loans RCON
3387 4,873,399
(5)Loans to individuals for household, family, and other personal expenditures:
(a)Credit cards RCON
B561 187
(b)Other (includes single payment, installment, all student loans, and revolving RCON
credit plans other than credit cards) B562 1,133,115
b.Total loans in foreign offices, Edge and Agreement subsidiaries, and IBFs RCFN
3360 1,507
7.Trading assets RCFD
3401 51,120
8.Lease financing receivables (net of unearned income) RCFD
3484 2,907,647
9.Total assets4 RCFD
3368 55,610,248
LIABILITIES
10.Interest-bearing transaction accounts in domestic offices (NOW accounts, ATS accounts, and RCON
telephone and preauthorized transfer accounts) (exclude demand deposits) 3485 310,095
11.Nontransaction accounts in domestic offices:
a.Savings deposits (includes MMDAs) RCON
B563 29,066,619
b.Time deposits of $100,000 or more RCON
A514 322,212
c.Time deposits of less than $100,000 RCON
A529 1,645,070
12.Interest-bearing deposits in foreign offices, EDGE and Agreement subsidiaries, and IBFs RCFN
3404 6,092,613
13.Federal funds purchased and securities sold under agreements to repurchase RCFD
3353 2,844,693
14.Other borrowed money (includes mortgage indebtedness and obligations under capitalized RCFD
leases) 3355 7,835,286
--------------------
1For 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).
2Quarterly averages for all debt securities should be based on amortized cost.
3Quarterly averages for all equity securities should be based on historical cost.
4The 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 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
1.Unused commitments:
a.Revolving, open-end lines secured by 1-4 family residential properties, e.g., home RCFD
equity lines 3814 1,784,749
b.Credit card lines RCFD
3815 0
c.Commercial real estate, construction, and land development:
(1)Commitments to fund loans secured by real estate RCFD
3816 97,507
(2)Commitments to fund loans not secured by real estate RCFD
6550 118,936
d.Securities underwriting RCFD
3817 0
e.Other unused commitments RCFD
3818 1,522,122
2.Financial standby letters of credit and foreign office guarantees RCFD
3819 50,523
a.Amount of financial standby letters of credit conveyed to others RCFD
3820 746
3.Performance standby letters of credit and foreign office guarantees RCFD
3821 205,649
a.Amount of performance standby letters of credit conveyed to others RCFD
3822 5,987
4.Commercial and similar letters of credit RCFD
3411 22,007
5.Participations in acceptances (as described in the instructions) conveyed to others by the RCFD
reporting bank 3428 0
6.Securities lent (including customers' securities lent where the customer is indemnified RCFD
against loss by the reporting bank) 3433 425,872
7.Credit derivatives:
a.Notional amount of credit derivatives on which the reporting bank is the guarantor RCFD
A534 0
(1)Gross positive fair value RCFD
C219 0
(2)Gross negative fair value RCFD
C220 0
b.Notional amount of credit derivatives on which the reporting bank is the beneficiary RCFD
A535 0
(1)Gross positive fair value RCFD
C221 0
(2)Gross negative fair value RCFD
C222 0
8.Spot foreign exchange contracts RCFD
8765 0
9.All other off-balance sheet liabilities (exclude derivatives) (itemize and describe each RCFD
component of this item over 25% of Schedule RC, item 28, "Total equity capital") 3430 3,867,132
a.Securities borrowed RCFD
3432 3,867,132
b.Commitments to purchase when-issued securities RCFD
3434 0
c.(TEXT 3555) RCFD
3555 0
d.(TEXT 3556) RCFD
3556 0
e.(TEXT 3557) RCFD
3557 0
10.All other off-balance sheet assets (exclude derivatives) (itemize and describe each RCFD
component of this item over 25% of Schedule RC, item 28, "Total equity capital") 5591 0
a.Commitments to sell when-issued securities RCFD
3435 0
b.(TEXT 5592) RCFD
5592 0
c.(TEXT 5593) RCFD
5593 0
d.(TEXT 5594) RCFD
5594 0
e.(TEXT 5595) RCFD
5595 0
11.Year-to-date merchant credit card sales volume:
a.Sales for which the reporting bank is the acquiring bank RCFD
C223 0
b.Sales for which the reporting bank is the agent bank with risk RCFD
C224 0
(Column A) (Column B) (Column C) (Column D)
Interest Rate Foreign Exchange Equity Derivative Commodity and
Dollar Amounts in Thousands Contracts Contracts Contracts Other Contracts
12.Gross amounts (e.g., notional
amounts) (for each column, sum of
items 12.a through 12.e must equal
sum of items 13 and 14):
a. RCFD RCFD RCFD RCFD
Futures contracts 8693 0 8694 0 8695 0 8696 0
b. RCFD RCFD RCFD RCFD
Forward contracts 8697 0 8698 0 8699 0 8700 0
c.Exchange-traded option contracts:
(1) RCFD RCFD RCFD RCFD
Written options 8701 0 8702 0 8703 0 8704 0
(2) RCFD RCFD RCFD RCFD
Purchased options 8705 0 8706 0 8707 0 8708 0
d.Over-the-counter option contracts:
(1) RCFD RCFD RCFD RCFD
Written options 8709 173,385 8710 0 8711 0 8712 82
(2) RCFD RCFD RCFD RCFD
Purchased options 8713 165,334 8714 0 8715 0 8716 82
e. RCFD RCFD RCFD RCFD
Swaps 3450 1,546,396 3826 0 8719 0 8720 13,974
13.Total gross notional amount of RCFD RCFD RCFD RCFD
derivative contracts held for trading A126 1,685,115 A127 0 8723 0 8724 14,138
14.Total gross notional amount of
derivative contracts held for RCFD RCFD RCFD RCFD
purposes other than trading 8725 200,000 8726 0 8727 0 8728 0
a.Interest rate swaps where the bank RCFD
has agreed to pay a fixed rate A589 0
15.Gross fair values of derivative
contracts:
a.Contracts held for trading:
(1) RCFD RCFD RCFD RCFD
Gross positive fair value 8733 46,253 8734 0 8735 0 8736 2,680
(2) RCFD RCFD RCFD 0RCFD
Gross negative fair value 8737 43,070 8738 0 8739 0 8740 2,609
b.Contracts held for purposes other
than trading:
(1) RCFD CFD RCFD RCFD
Gross positive fair value 8741 16,417 8742 0 8743 0 8744 0
(2) RCFD CFD RCFD RCFD
Gross negative fair value 8745 0 8746 0 8747 0 8748 0
Schedule RC-M--Memoranda
Dollar Amounts in Thousands
1.Extensions of credit by the reporting bank to its executive officers, directors, principal
shareholders, and their related interests as of the report date:
a.Aggregate amount of all extensions of credit to all executive officers, directors, RCFD
principal shareholders, and their related interests 6164 3,217
b.Number of executive officers, directors, and principal shareholders to whom the amount
of all extensions of credit by the reporting bank (including extensions of credit to
related interests) equals or exceeds the lesser of $500,000 or 5 percent of total RCFD
capital as defined for this purpose in agency regulations 6165 Number
3
2.Intangible assets other than goodwill:
a.Mortgage servicing assets RCFD
3164 124
(1)Estimated fair value of mortgage servicing assets RCFD
A590 124
b.Purchased credit card relationships and nonmortgage servicing assets RCFD
B026 2,211
c.All other identifiable intangible assets RCFD
5507 5,261
d.Total (sum of items 2.a, 2.b, and 2.c) (must equal Schedule RC, item 10.b) RCFD
0426 7,596
3.Other real estate owned:
a.Direct and indirect investments in real estate ventures RCFD
5372 0
b.All other real estate owned:
(1)Construction, land development, and other land in domestic offices RCON
5508 0
(2)Farmland in domestic offices RCON
5509 466
(3)1-4 family residential properties in domestic offices RCON
5510 5,058
(4)Multifamily (5 or more) residential properties in domestic offices RCON
5511 0
(5)Nonfarm nonresidential properties in domestic offices RCON
5512 1,804
(6)In foreign offices RCFN5513 0
c.Total (sum of items 3.a and 3.b) (must equal Schedule RC, item 7) RCFD
2150 7,328
4.Investments in unconsolidated subsidiaries and associated companies:
a.Direct and indirect investments in real estate ventures RCFD
5374 0
b.All other investments in unconsolidated subsidiaries and associated companies RCFD
5375 0
c.Total (sum of items 4.a and 4.b) (must equal Schedule RC, item 8) RCFD
2130 0
5.Other borrowed money:
a.Federal Home Loan Bank advances:
(1)With a remaining maturity of one year or less1 RCFD
2651 3,472,207
(2)With a remaining maturity of more than one year through three years RCFD
B565 1,335,199
(3)With a remaining maturity of more than three years RCFD
B566 1,950,000
b.Other borrowings:
(1)With a remaining maturity of one year or less RCFD
B571 312,355
(2)With a remaining maturity of more than one year through three years RCFD
B567 10,639
(3)With a remaining maturity of more than three years RCFD
B568 1,295
c.Total (sum of items 5.a.(1) through 5.b.(3) must equal Schedule RC, item 16) RCFD
3190 7,081,695
6.Does the reporting bank sell private label or third party mutual funds and annuities? RCFD YES/NO
B569 Yes
7.Assets under the reporting bank's management in proprietary mutual funds and annuities RCFD
B570 0
--------------------
1Includes overnight Federal Home Loan Bank advances.
Schedule RC-N--Past Due and Nonaccrual Loans, Leases, and Other Assets
Dollar Amounts in Thousands (Column A) (Column B)
Past due 30 Past due 90 days
through 89 days or more and still (Column C)
and still accruing accruing Nonaccrual
1.Loans secured by real estate:
a.Construction, land development, and other land loans RCON RCON RCON
in domestic offices 2759 856 2769 0 3492 729
b. RCON RCON RCON
Secured by farmland in domestic offices 3493 1,078 3494 0 3495 972
c.Secured by 1-4 family residential properties in
domestic offices:
(1)Revolving, open-end loans secured by 1-4 family
residential properties and extended under lines RCON RCON RCON
of credit 5398 2,403 5399 191 5400 3,175
(2)Closed-end loans secured by 1-4 family
residential properties
RCON RCON RCON
(a) Secured by first liens C236 131,366 C237 7,019 C229 19,475
RCON RCON RCON
(b) Secured by junior liens C238 9,649 C239 1,426 C230 67
d.Secured by multifamily (5 or more) residential RCON RCON RCON
properties in domestic offices 3499 84 3500 0 3501 323
e.Secured by nonfarm nonresidential properties in RCON RCON RCON
domestic offices 3502 3,549 3503 32 3504 10,291
f. RCFN RCFN RCFN
In foreign offices B572 0 B573 0 B574 0
2.Loans to depository institutions and acceptances of
other banks:
a. RCFD RCFD RCFD
To U.S. banks and other U.S. depository institutions 5377 0 5378 0 5379 0
b. RCFD RCFD RCFD
To foreign banks 5380 0 5381 0 5382 0
3.Loans to finance agricultural production and other RCFD RCFD RCFD
loans to farmers 1594 1,817 1597 0 1583 2,104
4.Commercial and industrial loans:
a. RCFD RCFD RCFD
To U.S. addressees (domicile) 1251 32,193 1252 802 1253 97,400
b. RCFD RCFD RCFD
To non-U.S. addressees (domicile) 1254 0 1255 0 1256 0
5.Loans to individuals for household, family, and other
personal expenditures:
a. RCFD RCFD RCFD
Credit cards B575 0 B576 0 B577 0
b.Other (includes single payment, installment, all
student loans, and revolving credit plans other than RCFD RCFD RCFD
credit cards) B578 12,877 B579 8,972 B580 777
6. RCFD RCFD RCFD
Loans to foreign governments and official institutions 5389 0 5390 0 5391 0
7. RCFD RCFD RCFD
All other loans 5459 703 5460 105 5461 318
8.Lease financing receivables:
a. RCFD RCFD RCFD
Of U.S. addressees (domicile) 1257 32,924 1258 0 1259 67,816
b. RCFD RCFD RCFD
Of non-U.S. addressees (domicile) 1271 0 1272 0 1791 0
9.Debt securities and other assets (exclude other real RCFD RCFD RCFD
estate owned and other repossessed assets) 3505 0 3506 0 3507 0
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 item 10 below certain guaranteed loans and leases that have already
been included in the amounts reported in items 1 through 8.
10.Loans and leases reported in items 1 through 8 above RCFD RCFD RCFD
which are wholly or partially guaranteed by the U.S. 5612 6,239 5613 6,642 5614 222
Government
a.Guaranteed portion of loans and leases included in RCFD RCFD RCFD
item 10 above 5615 6,162 5616 6,598 5617 113
Memoranda
Dollar Amounts in Thousands (Column A) (Column B)
Past due 30 Past due 90 days
through 89 days or more and still (Column C)
and still accruing accruing Nonaccrual
1.Restructured loans and leases included in Schedule
RC-N, items 1 through 8, above (and not reported in RCFD RCFD RCFD
Schedule RC-C, Part I, Memorandum item 1) 1658 0 1659 0 1661 0
2.Loans to finance commercial real estate, construction,
and land development activities (not secured by real RCFD RCFD RCFD
estate) included in Schedule RC-N, items 4 and 7, above 6558 1,316 6559 0 6560 982
3.Loans secured by real estate to non-U.S. addressees RCFD RCFD RCFD
(domicile) (included in Schedule RC-N, item 1, above) 1248 0 1249 0 1250 0
4.Not applicable
5.Loans and leases held for sale (included in Schedule RCFD RCFD RCFD
RC-N, items 1 through 8,above) C240 92,158 C241 9,584 C226 1,565
(Column A) (Column B)
Past due 30 Past due 90 days
Dollar Amounts in Thousands through 89 days or more
6.Interest rate, foreign exchange rate, and other commodity and equity RCFD RCFD
contracts: Fair value of amounts carried as assets 3529 0 3530 0
Schedule RC-O - Other Data for Deposit Insurance and FICO Assessments
Dollar Amounts in Thousands
1.Unposted debits (see instructions):
a.Actual amount of all unposted debits RCON
0030 0
OR
b.Separate amount of unposted debits:
(1)Actual amount of unposted debits to demand deposits RCON
0031 0
(2)Actual amount of unposted debits to time and savings deposits1 RCON
0032 0
2.Unposted credits (see instructions):
a.Actual amount of all unposted credits RCON
3510 0
OR
b.Separate amount of unposted credits:
(1)Actual amount of unposted credits to demand deposits RCON
3512 0
(2)Actual amount of unposted credits to time and savings deposits1 RCON
3514 0
3.Uninvested trust funds (cash) held in bank's own trust department (not included in total RCON
deposits in domestic offices) 3520 0
4.Deposits of consolidated subsidiaries in domestic offices and in insured branches in Puerto
Rico and U.S. territories and possessions (not included in total deposits):
a.Demand deposits of consolidated subsidiaries RCON
2211 1,381,756
b.Time and savings deposits1 of consolidated subsidiaries RCON
2351 0
c.Interest accrued and unpaid on deposits of consolidated subsidiaries RCON
5514 0
5.Deposits in insured branches in Puerto Rico and U.S. territories and possessions:
a.Demand deposits in insured branches (included in Schedules RC-E, Part II) RCON
2229 0
b.Time and savings deposits1 in insured branches (included in Schedule RC-E, Part II) RCON
2383 0
c.Interest accrued and unpaid on deposits in insured branches (included in Schedule RC-G, RCON
item 1.b.) 5515 0
6.Reserve balances actually passed through to the Federal Reserve by the reporting bank on
behalf of its respondent depository institutions that are also reflected as deposit
liabilities of the reporting bank:
a.Amount reflected in demand deposits (included in Schedule RC-E, Part I, item 7, column B)RCON
2314 0
b.Amount reflected in time and savings deposits1 (included in Schedule RC-E, Part I, item RCON
7, column A or C, but not column B) 2315 0
7.Unamortized premiums and discounts on time and savings deposits:1,2
a.Unamortized premiums RCON
5516 0
b.Unamortized discounts RCON
5517 109
8.To be completed by banks with "Oakar deposits."
a.Deposits purchased or acquired from other FDIC-insured institutions during the quarter
(exclude deposits purchased or acquired from foreign offices other than insured branches
in Puerto Rico and U.S. territories and possessions):
(1)Total deposits purchased or acquired from other FDIC-insured institutions during the RCON
quarter A531 0
(2)Amount of purchased or acquired deposits reported in item 8.a.(1) above attributable
to a secondary fund (i.e., BIF members report deposits attributable to SAIF; SAIF RCON
members report deposits attributable to BIF) A532 0
b.Total deposits sold or transferred to other FDIC-insured institutions during the quarter
(exclude sales or transfers by the reporting bank of deposits in foreign offices other RCON
than insured branches in Puerto Rico and U.S. territories and possessions) A533 0
9.Deposits in lifeline accounts RCON
5596 N/A
10.Benefit-responsive "Depository Institution Investment Contracts" (included in total RCON
deposits in domestic offices) 8432 0
11.Adjustments to demand deposits in domestic offices and in insured branches in Puerto Rico
and U.S. territories and possessions reported in Schedule RC-E for certain reciprocal
demand balances:
a.Amount by which demand deposits would be reduced if the reporting bank's reciprocal
demand balances with the domestic offices of U.S. banks and savings associations and
insured branches in Puerto Rico and U.S. territories and possessions that were reported RCON
on a gross basis in Schedule RC-E had been reported on a net basis 8785 0
b.Amount by which demand deposits would be increased if the reporting bank's reciprocal
demand balances with foreign banks and foreign offices of other U.S. banks (other than
insured branches in Puerto Rico and U.S. territories and possessions) that were reported RCON
on a net basis in Schedule RC-E had been reported on a gross basis A181 0
c.Amount by which demand deposits would be reduced if cash items in process of collection
were included in the calculation of the reporting bank's net reciprocal demand balances
with the domestic offices of U.S. banks and savings associations and insured branches in RCON
Puerto Rico and U.S. territories and possessions in Schedule RC-E A182 0
12.Amount of assets netted against deposit liabilities in domestic offices and in insured
branches in Puerto Rico and U.S. territories and possessions on the balance sheet (Schedule
RC) in accordance with generally accepted accounting principles (exclude amounts related to
reciprocal demand balances):
a.Amount of assets netted against demand deposits RCON
A527 0
b.Amount of assets netted against time and savings deposits RCON
A528 0
Memoranda (to be completed each quarter except as noted)
1.Total deposits in domestic offices of the bank and in insured branches in Puerto Rico and
U.S. territories and possessions (sum of Memorandum items 1.a.(1) and 1.b.(1) must equal
the sum of Schedule RC, item 13.a, and Schedule RC-O, items 5.a and 5.b):
a.Deposit account of $100,000 or less:
(1)Amount of deposit accounts of $100,000 or less RCON
2702 9,248,415
(2)Number of deposit accounts of $100,000 or less (to be completed for the June report RCON Number
only) 3779 N/A
b.Deposit accounts of more than $100,000:
(1)Amount of deposit accounts of more than $100,000 RCON
2710 23,615,078
(2)Number of deposit accounts of more than $100,000 RCON Number
2722 18,448
2.Memorandum item 2 is to be completed by all banks.
Estimated amount of uninsured deposits in domestic offices of the bank and in insured RCON
branches in Puerto Rico and U.S. territories and possessions (see instructions) 5597 21,770,278
3.Has the reporting institution been consolidated with a parent bank or savings association
in that parent bank's or parent saving association's Call Report or Thrift Financial
Report? If so, report the legal title and FDIC Certificate Number of the parent bank or
parent savings association: FDIC Cert No.
(TEXT A545) RCON
A545 0
------------------
1For FDIC insurance and FICO assessment purposes, "time and savings deposits" consists of nontransaction accounts
and all transaction accounts other than demand deposits
2Exclude core deposit intangibles.
Schedule RC-R--Regulatory Capital
Dollar Amounts in Thousands
Tier 1 capital
1.Total equity capital (from Schedule RC, item 28) RCFD
3210 4,079,693
2.LESS: Net unrealized gains (losses) on available-for-sale securities1 (if a gain, report as RCFD
a positive value; if a loss, report as a negative value) 8434 53,795
3.LESS: Net unrealized loss on available-for-sale EQUITY securities1 (report loss as a RCFD
positive value) A221 0
4.LESS: Accumulated net gains (losses) on cash flow hedges1 (if a gain, report as a positive RCFD
value; if a loss, report as a negative value) 4336 0
5.LESS: Nonqualifying perpetual preferred stock RCFD
B588 0
6.Qualifying minority interests in consolidated subsidiaries RCFD
B589 0
7.LESS: Disallowed goodwill and other disallowed intangible assets RCFD
B590 346,866
8.Subtotal (sum of items 1 and 6, less items 2, 3, 4, 5, and 7) RCFD
C227 3,679,032
9.a. LESS: Disallowed servicing assets and purchased credit card relationships RCFD
B591 12
b. LESS: Disallowed deferred tax assets RCFD
5610 0
10.Other additions to (deductions from) Tier 1 capital RCFD
B592 0
11.Tier 1 capital (sum of items 8,and 10, less items 9.a and 9.b) RCFD
8274 3,679,020
Tier 2 capital
12.Qualifying subordinated debt and redeemable preferred stock RCFD
5306 0
13.Cumulative perpetual preferred stock includible in Tier 2 capital RCFD
B593 0
14.Allowance for loan and lease losses includible in Tier 2 capital RCFD
5310 284,263
15.Unrealized gains on available-for-sale equity securities includible in Tier 2 capital RCFD
2221 320
16.Other Tier 2 capital components RCFD
B594 0
17.Tier 2 capital (sum of items 12 through 16) RCFD
5311 284,583
18.Allowable Tier 2 capital (lesser of item 11 or 17) RCFD
8275 284,583
19.Tier 3 capital allocated for market risk RCFD
1395 0
20.LESS: Deductions for total risk-based capital RCFD
B595 0
21.Total risk-based capital (sum of items 11, 18, and 19, less item 20) RCFD
3792 3,963,603
Total assets for leverage ratio
22.Average total assets (from Schedule RC-K, item 9) RCFD
3368 55,610,248
23.LESS: Disallowed goodwill and other disallowed intangible assets (from item 7 above) RCFD
B590 346,866
24.LESS: Disallowed servicing assets and purchased credit card relationships (from item 9.a RCFD
above) B591 12
25.LESS: Disallowed deferred tax assets (from item 9.b above) RCFD
5610 0
26.LESS: Other deductions from assets for leverage capital purposes RCFD
B596 0
27.Average total assets for leverage capital purposes (item 22 less items 23 through 26) RCFD
A224 55,263,370
Adjustments for financial subsidiaries
28.a. Adjustment to Tier 1 capital reported in item 11 RCFD
C228 0
b. Adjustment to total risk-based capital reported in item 21 RCFD
B503 0
29.Adjustment to risk-weighted assets reported in item 62 RCFD
B504 0
30.Adjustment to average total assets reported in item 27 RCFD
B505 0
Capital ratios
(Column B is to be completed by all banks. Column A is to be completed by (Column A) (Column B)
banks with financial subsidiaries.) Percentage Percentage
31. RCFD RCFD
Tier 1 leverage ratio2 7273 0 7204 6.66
32. RCFD RCFD
Tier 1 risk-based capital ratio3 7274 0 7206 12.53
33. RCFD RCFD
Total risk-based capital ratio4 7275 0 7205 13.5
Banks are not required to risk-weight each on-balance sheet asset and the credit equivalent amount of each
off-balance sheet item that qualifies for a risk weight of less than 100 percent (50 percent for derivatives) at
its lower risk weight. When completing items 34 through 54 of Schedule RC-R, each bank should decide for itself
how detailed a risk-weight analysis it wishes to perform. In other words, a bank can choose from among its assets
and off-balance sheet items that have a risk weight of less than 100 percent which ones to risk-weight at an
appropriate lower risk weight, or it can simply risk-weight some or all of these items at a 100 percent risk
weight (50 percent for derivatives).
(Column A) (Column B) (Column C) (Column D) (Column E) (Column F)
Totals (from Items Not
Schedule RC) Subject to
Dollar Amounts in Thousands Risk-Weighting
Allocation by Risk Weight Category
0% 20% 50% 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) RCFD 0010 RCFD B600 RCFD B601 RCFD B602
1,884,467 253,483 1,630,984 0
35. Held-to-maturity securities RCFD 1754 RCFD B603 RCFD B604 RCFD B605 RCFD B606 RCFD B607
0 0 0 0 0 0
36. Available-for-sale securities RCFD 1773 RCFD B608 RCFD B609 RCFD B610 RCFD B611 RCFD B612
1,613,776 86,370 415,356 709,232 104,557 298,261
37. Federal funds sold and securities CFD C063 CFD B520
purchased under agreements to
resell RCFD C225 RCFD C063 RCFD C064 RCFD B520
8,278,225 0 8,278,225 0
38. Loans and leases held for sale RCFD 5369 RCFD B617 RCFD B618 RCFD B619 RCFD B620 RCFD B621
21,079,237 0 0 2,560,827 18,516,845 1,565
39. Loans and leases, net of unearned
income5 RCFD B528 RCFD B622 RCFD B623 RCFD B624 RCFD B625 RCFD B626
18,011,762 0 0 3,274,248 2,459,113 12,278,401
40. LESS: Allowance for loan and lease
losses RCFD 3123 RCFD 3123
284,263 284,263
41. Trading assets RCFD 3545 RCFD B627 RCFD B628 RCFD B629 RCFD B630 RCFD B631
367,486 48,914 0 318,572 0 0
42. All other assets6 RCFD B639 RCFD B640 RCFD B641 RCFD B642 RCFD B643 RCFD 5339
1,892,510 346,878 87,679 422,612 74,869 960,472
43. Total assets (sum of items 34
through 42) RCFD 2170 RCFD B644 RCFD 5320 RCFD 5327 RCFD 5334 RCFD 5340
52,843,200 197,899 756,518 17,194,700 21,155,384 13,538,699
(Column A) Credit (Column B) (Column C) (Column D) (Column E) (Column F)
Face Value Conversion Credit
or Factor Equivalent
Notional Amount7
Amount
Dollar Amounts in Thousands Allocation by Risk Weight Category
0% 20% 50% 100%
Derivatives and Off-Balance Sheet
Items
44. Financial standby letters of
credit RCFD B546 RCFD B547 RCFD B548 RCFD B581 RCFD B582 RCFD B583
50,523 1.00 50,523 0 0 0 50,523
45. Performance standby letters of
credit RCFD 3821 RCFD B650 RCFD B651 RCFD B652 RCFD B653 RCFD B654
205,649 0.50 102,825 0 0 0 102,825
46. Commercial and similar letters
of credit RCFD 3411 RCFD B655 RCFD B656 RCFD B 657 RCFD B658 RCFD B659
22,007 0.20 4,401 0 0 0 4,401
47. Risk participations in bankers
acceptances acquired by the
reporting institution RCFD 3429 RCFD B660 RCFD B661 RCFD B662 RCFD B663
0 1.00 0 0 0 0
48. Securities lent RCFD 3433 RCFD B664 RCFD B665 RCFD B666 RCFD B667 RCFD B668
425,872 1.00 425,872 0 425,872 0 0
49. Retained recourse on small
business obligations sold with
recourse RCFD A250 RCFD B669 RCFD B670 RCFD B671 RCFD B672 RCFD B673
0 1.00 0 0 0 0 0
50. Recourse and direct credit RCFD B541 CFD B542 RCFD B543
substitutes (other than
financial standby letters of
credit) subject to the
lowlevel exposure rule and
residual interests subject to
a dollar-for-dollar capital
requirement
0 12.5* 0 0
51. All other financial assets
sold with recourse RCFD B675 RCFD B676 RCFD B677 RCFD B678 RCFD B679 RCFD B680
0 1.00 0 0 0 0 0
52. All other off-balance sheet
liabilities RCFD B681 RCFD B682 RCFD B683 RCFD B684 RCFD B685 RCFD B686
0 1.00 0 0 0 0 0
53. Unused commitments with an
original maturity exceeding
one year RCFD 3833 RCFD B687 RCFD B688 RCFD B689 RCFD B690 RCFD B691
3,074,296 0.50 1,537,148 0 1,604 11,925 1,523,619
54. Derivative contracts RCFD A167 RCFD B693 RCFD B694 RCFD B695
77,408 0 34,743 42,665
Dollar Amounts in Thousands(Column C) (Column D) (Column E) (Column F)
Allocation by Risk Weight Category
0% 20% 50% 100%
Totals
55. Total assets, derivatives, and off-balance sheet items by risk
weight category (for each column, sum of items 43 through 54) RCFD B696 RCFD B697 RCFD B698 RCFD B699
756,518 17,656,919 21,209,974 15,220,067
56. Risk weight factor x 0% x 20% x 50% x 100%
57. Risk-weighted assets by risk weight category (for each column,
item 55 multiplied by item 56) RCFD B700 RCFD B701 RCFD B702 RCFD B703
0 3,531,384 10,604,987 15,220,067
58. Market risk equivalent assets RCFD 1651
0
59. Risk-weighted assets before deductions for excess allowance for RCFD B704
loan and lease losses and allocated transfer risk reserve (sum
of item 57, columns C through F, and item 58)
29,356,438
60. LESS: Excess allowance for loan and lease losses RCFD A222
0
61. LESS: Allocated transfer risk reserve RCFD 3128
0
62. Total risk-weighted assets (item 59 minus items 60 and 61) RCFD A223
29,356,438
Memoranda
Dollar Amounts in Thousands
1. Current credit exposure across all derivative contracts covered by the risk-based capital RCFD
standards. 8764 65,350
Column A) One (Column B) Over
(ear or less one year through (Column C) Over
y five years five years
2. Notional principal amounts of derivative contracts:8
a. Interest rate contracts RCFD 470,629 RCFD 817,678 RCFD
3809 8766 8767 423,423
b. Foreign exchange contracts RCFD 0 RCFD 0 RCFD
3812 8769 8770 0
c. Gold contracts RCFD 0 RCFD 0 RCFD
8771 8772 8773 0
d. Other precious metals contracts RCFD 0 RCFD 0 RCFD
8774 8775 8776 0
e. Other commodity contracts RCFD 3,404 RCFD 10,652 RCFD
8777 8778 8779 0
f. Equity derivative contracts RCFD 0 RCFD 0 RCFD
A000 A001 A002 0
-----------------------
*Or institution-specific factor.
1Report amount included in Schedule RC, item 26.b, "Accumulated other comprehensive income."
2The ratio for column B is item 11 divided by item 27. The ratio for column A is item 11 minus one half of item
28 divided by (item 27 minus item 30).
3The ratio for column B is item 11 divided by item 62. The ratio for column A is item 11 minus one half of item
28 divided by (item 62 minus item 29).
4The ratio for column B is item 21 divided by item 62. The ratio for column A is item 21 minus item 28 divided by
(item 62 minus item 29).
5Include any allocated transfer risk reserve in column B
6Includes premises and fixed assets, other real estate owned, investments in unconsolidated subsidiaries and
associated companies, customers' liability on acceptances outstanding, intangible assets, and other assets.
7Column A multiplied by credit conversion factor.
8Exclude foreign exchange contracts with an original maturity of 14 days or less and all futures contracts.
Schedule RC-S--Servicing, Securitization and Asset Sale Activities
Column A) (Column B) (Column C) (Column D) (Column E) (Column F) (Column G)
1-4 Family Home Equity Credit Auto Loans Other Commercial All Other
Dollar Amounts in Thousands Residential Lines Card Consumer and Loans and
Loans Receivables Loans Industrial All Leases
Loans
Bank Securitization Activities
1.Outstanding principal balance RCFD B705 RCFD B706 RCFD B707 RCFD B708 RCFD B709 RCFD B710 RCFD B711
of assets sold and securitized
by the reporting bank with
servicing retained or with
recourse or other
seller-provided credit
enhancements
0 0 0 2 0 0 0
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.Retained interest-only RCFD B712 RCFD B713 RCFD B714 RCFD B715 RCFD B716 RCFD B717 RCFD B718
strips (included in
Schedules RC-B or RC-F or
in Schedule RC, item 5)
0 0 0 0 0 0 0
b.Standby letters of credit,
subordinated securities,
and other enhancements RCFD B719 RCFD B720 RCFD B721 RCFD B722 RCFD B723 RCFD B724 RCFD B725
0 0 0 0 0 0 0
3.Reporting bank's unused
commitments to provide
liquidity to structures
reported in item 1 RCFD B726 RCFD B727 RCFD B728 RCFD B729 RCFD B730 RCFD B731 RCFD B732
0 0 0 0 0 0 0
4.Past due loan amounts included
in item 1:
a.30-89 days past due RCFD B733 RCFD B734 RCFD B735 RCFD B736 RCFD B737 RCFD B738 RCFD B739
0 0 0 0 0 0 0
b.90 days or more past due RCFD B740 RCFD B741 RCFD B742 RCFD B743 RCFD B744 RCFD B745 RCFD B746
0 0 0 0 0 0 0
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 RIAD B747 RIAD B748 RIAD B749 RIAD B750 RIAD B751 RIAD B752 RIAD B753
0 0 0 0 0 0 0
b.Recoveries RIAD B754 RIAD B755 RIAD B756 RIAD B757 RIAD B758 RIAD B759 RIAD B760
0 0 0 0 0 0 0
6.Amount of ownership (or
seller's) interests carried as:
a.Securities (included in
Schedule RC-B or in
Schedule RC, item 5) RCFD B761 RCFD B762 RCFD B763
0 0 0
b.Loans (included in Schedule
RC-C) RCFD B500 RCFD B501 RCFD B502
0 0 0
7.Past due loan amounts included
in interests reported in item
6. a:
a.30-89 days past due RCFD B764 RCFD B765 RCFD B766
0 0 0
b.90 days or more past due RCFD B767 RCFD B768 RCFD B769
0 0 0
8.Charge-offs and recoveries on
loan amounts included in
interests reported in item 6.
a (calendar year-to-date):
a.Charge-offs RIAD B770 RIAD B771 RIAD B772
0 0 0
b.Recoveries RIAD B773 RIAD B774 RIAD B775
0 0 0
For Securitization Facilities
Sponsored By or Otherwise
Established By Other Institutions
9.Maximum amount of credit RCFD B776 RCFD B777 RCFD B778 RCFD B779 RCFD B780 CFD B781 RCFD B782
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
0 0 0 0 0 0 0
10.Reporting bank's unused
commitments to provide
liquidity to other
institutions' securitization
structures RCFD B783 RCFD B784 RCFD B785 RCFD B786 RCFD B787 RCFD B788 RCFD B789
0 0 0 0 0 0 0
Bank Asset Sales
11.Assets sold with recourse or
other seller-provided credit
enhancements and not
securitized RCFD B790 RCFD B791 RCFD B792 RCFD B793 RCFD B794 RCFD B795 RCFD B796
0 0 0 0 0 0 0
12.Maximum amount of credit
exposure arising from recourse
or other seller-provided
credit enhancements provided
to assets reported in item 11 RCFD B797 RCFD B798 RCFD B799 RCFD B800 RCFD B801 RCFD B802 RCFD B803
0 0 0 0 0 0 0
Memoranda
Dollar Amounts in Thousands
1.Small business obligations transferred with recourse under Section 208 of the Riegle
Community Development and Regulatory Improvement Act of 1994:
a.Outstanding principal balance RCFD
A249 0
b.Amount of retained recourse on these obligations as of the report date RCFD
A250 0
2.Outstanding principal balance of assets serviced for others:
a.1-4 family residential mortgages serviced with recourse or other servicer-provided RCFD
credit enhancements B804 0
b.1-4 family residential mortgages serviced with no recourse or other servicer- provided RCFD
credit enhancements B805 184
c.Other financial assets1 RCFD
A591 53,451
3.Asset-backed commercial paper conduits:
a.Maximum amount of credit exposure arising from credit enhancements provided to conduit
structures in the form of standby letters of credit, subordinated securities, and other
enhancements:
(1)Conduits sponsored by the bank, a bank affiliate, or the bank's holding company RCFD
B806 0
(2)Conduits sponsored by other unrelated institutions RCFD
B807 0
b.Unused commitments to provide liquidity to conduit structures:
(1)Conduits sponsored by the bank, a bank affiliate, or the bank's holding company RCFD
B808 0
(2)Conduits sponsored by other unrelated institutions RCFD
B809 0
-----------------------
1Memorandum item 2.c is to be completed , if the principal balance of other financial assets serviced for others
is more than $10 million.
Schedule RC-T--Fiduciary and Related Services
Items 12 through 23 and Memorandum item 4 will not be made available to the public on an individual institution
basis.
YES/NO
1.Does the institution have fiduciary powers? (If "NO," do not complete Schedule RC-T) RCFD
A345 Yes
2.Does the institution exercise the fiduciary powers it has been granted? RCFD
A346 Yes
3.Does the institution have any fiduciary or related activity (in the form of assets or RCFD
accounts) to report in this schedule? (If "NO," do not complete the rest of Schedule RC-T.) B867 Yes
If the answer to item 3 is "YES," complete the applicable items of Schedule RC-T, as follows:
Institutions with total fiduciary assets (item 9, 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 19.a quarterly,
- Items 20 through 23 annually with the December report, and
- Memorandum items 1 through 4 annually with the December report.
Institutions with total fiduciary assets (item 9, 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 23 annually with the December report, and
- Memorandum items 1 through 4 annually with the December report.
Institutions with total fiduciary assets (item 9, 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 11 annually with the December report, and
- Memorandum items 1 through 3 annually with the December report.
(Column C) (Column D)
(Column A) (Column B) Number of Number of
Managed Non-Managed Managed Non-Managed
Dollar Amounts in Thousands Assets Assets Accounts Accounts
FIDUCIARY AND RELATED ASSETS
4.Personal trust and agency accounts RCFD B868 RCFD B869 RCFD B870 RCFD B871
6,034,866 632,889 7,519 172
5.Retirement related trust and agency accounts:
a.Employee benefit-defined contribution RCFD B872 RCFD B873 RCFD B874 RCFD B875
2,139,708 22,376,928 94 2,607
b.Employee benefit-defined benefit RCFD B876 RCFD B877 RCFD B878 RCFD B879
2,949,061 14,409,559 83 457
c.Other retirement accounts RCFD B880 RCFD B881 RCFD B882 RCFD B883
2,213,818 4,287,449 1,350 574
6.Corporate trust and agency accounts RCFD B884 RCFD B885 RCFD C001 RCFD C002
1,069,877 49,101,956 61 12,766
7.Investment management agency accounts RCFD B886 RCFD B888
264,214 281
8.Other fiduciary accounts RCFD B890 RCFD B891 RCFD B892 RCFD B893
358,950 2,632,971 105 392
9.Total fiduciary accounts (sum of items 4 through 8) RCFD B894 RCFD B895 RCFD B896 RCFD B897
15,030,494 93,441,752 9,493 16,968
10.Custody and safekeeping accounts RCFD B898 RCFD B899
168,972,172 3,540
11.Fiduciary accounts held in foreign offices (included in items 9
and 10) RCFNB900 RCFNB901 RCFNB902 RCFNB903
0 0 0 0
Memoranda
1.Managed assets held in personal trust and agency accounts: Managed Assets
a.Non-interest bearing deposits RCFD
B913 454
b.Interest-bearing deposits RCFD
B914 5,333
c.U.S. Treasury and U.S. Government agency obligations RCFD
B915 485,909
d.State, county and municipal obligations RCFD
B916 760,766
e.Money market mutual funds RCFD
B917 84
f.Other short-term obligations RCFD
B918 499
g.Other notes and bonds RCFD
B919 117,369
h.Common and preferred stocks RCFD
B920 4,472,264
i.Real estate mortgages RCFD
B921 4,279
j.Real estate RCFD
B922 100,419
k.Miscellaneous assets RCFD
B923 87,490
l.Total managed assets held in personal trust and agency accounts (sum of Memorandum items RCFD
1.a through 1.k) (must equal Schedule RC-T, item 4, column A) B868 6,034,866
(Column B)
(Column A) Principal Amount
Dollar Amounts in Thousands Number of Issues Outstanding
2.Corporate trust and agency accounts:
a. RCFD RCFD 541,999,161
Corporate and municipal trusteeships B927 51,806 B928
b. RCFD
Transfer agent, registrar, paying agent, and other corporate agency B929 3,598
(Column A) Number (Column B) Market
of Funds Value of Fund
Dollar Amounts in Thousands Assets
3.Collective investment funds and common trust funds:
a. RCFD RCFD
Domestic equity B931 1 B932 342
b. RCFD RCFD
International/Global equity B933 0 B934 0
c. RCFD RCFD
Stock/Bond blend B935 2 B936 14,433
d. RCFD RCFD
Taxable bond B937 2 B938 858,415
e. RCFD RCFD
Municipal bond B939 0 B940 0
f. RCFD RCFD
Short term investments/Money market B941 0 B942 0
g. RCFD RCFD
Specialty/Other B943 0 B944 0
h.Total collective investment funds (sum of Memorandum items 3.a through RCFD RCFD
3.g) B945 5 B946 873,190
LOANS TO EXECUTIVE OFFICERS (Complete as of each Call Report Date)
The following information is required by Public Laws 90-44 and 102-242, but does not constitute a part of the
Report of Condition. With each Report of Condition, these Laws require all banks to furnish a report of all loans
or other extensions of credit to their executive officers made since the date of the previous Report of Condition.
Data regarding individual loans or other extensions of credit are not required. If no such loans or other
extensions of credit were made during the period, insert "none" against subitem (a). (Exclude the first $15,000 of
indebtedness of each executive officer under bank credit card plan.) See Sections 215.2 and 215.3 of Title 12 of
the Code of Federal Regulations (Federal Reserve Board Regulation O) for the definitions of "executive officer"
and "extension of credit," respectively. Exclude loans and other extensions of credit to directors and principal
shareholders who are not executive officers.
a. Number of loans made to executive officers since the previous Call Report date RCFD 3561 0
b. Total dollar amount of above loans (in thousands of dollars) RCFD 3562 0
c. Range of interest charged on above loans (example: 9 3/4%
= 9.75) RCFD 7701 RCFD 7702
0.00 % 0.00 %
Optional Narrative Statement Concerning the Amounts
Reported in the Reports of Condition and Income
The management of the reporting bank may, if it the bank's statement both on agency computerized
wishes, submit a brief narrative statement on the records and in computer-file releases to the public.
amounts reported in the Reports of Condition and
Income. This optional statement will be made available All information furnished by the bank in the narrative
to the public, along with the publicly available data statement must be accurate and not misleading.
in the Reports of Condition and Income, in response to Appropriate efforts shall be taken by the submitting
any request for individual bank report data. However, bank to ensure the statement's accuracy. The statement
the information reported in Schedule RC-T, items 12 must be signed, in the space provided below, by a
through 23 and Memorandum item 4, is regarded as senior officer of the bank who thereby attests to its
confidential and will not be released to the public. accuracy.
BANKS CHOOSING TO SUBMIT THE NARRATIVE STATEMENT
SHOULD ENSURE THAT THE STATEMENT DOES NOT CONTAIN THE If, subsequent to the original submission, material
NAMES OR OTHER IDENTIFICATIONS OF INDIVIDUAL BANK changes are submitted for the data reported in the
CUSTOMERS, REFERENCES TO THE AMOUNTS REPORTED IN THE Reports of Condition and Income, the existing
CONFIDENTIAL ITEMS IN SCHEDULE RC-T, OR ANY OTHER narrative statement will be deleted from the files,
INFORMATION THAT THEY ARE NOT WILLING TO HAVE MADE and from disclosure; the bank, at its option, may
PUBLIC OR THAT WOULD COMPROMISE THE PRIVACY OF THEIR replace it with a statement, under signature,
CUSTOMERS. Banks choosing not to make a statement may appropriate to the amended data.
check the "No comment" box below and should make no
entries of any kind in the space provided for the The optional narrative statement will appear in agency
narrative statement; i.e., DO NOT enter in this space records and in release to the public exactly as
such phrases as "No statement," "Not applicable," submitted (or amended as described in the preceding
"N/A," "No comment," and "None." paragraph) by the management of the bank (except for
The optional statement must be entered on this sheet. the truncation of statements exceeding the
The statement should not exceed 100 words. Further, 750-character limit described above). THE STATEMENT
regardless of the number of words, the statement must WILL NOT BE EDITED OR SCREENED IN ANY WAY BY THE
not exceed 750 characters, including punctuation, SUPERVISORY AGENCIES FOR ACCURACY OR RELEVANCE.
indentation, and standard spacing between words and DISCLOSURE OF THE STATEMENT SHALL NOT SIGNIFY THAT ANY
sentences. If any submission should exceed 750 FEDERAL SUPERVISORY AGENCY HAS VERIFIED OR CONFIRMED
characters, as defined, it will be truncated at 750 THE ACCURACY OF THE INFORMATION CONTAINED THEREIN. A
characters with no notice to the submitting bank and STATEMENT TO THIS EFFECT WILL APPEAR ON ANY PUBLIC
the truncated statement will appear as RELEASE OF THE OPTIONAL STATEMENT SUBMITTED BY THE
MANAGEMENT OF THE REPORTING BANK.
BANK MANAGEMENT STATEMENT (please print or type clearly):