consolidated reports of condition and income · consolidated reports of condition and income for a...

Board of Governors of the Federal Reserve SystemFederal Deposit Insurance Corporation

Office of the Comptroller of the Currency

Federal Financial Institutions Examination Council

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

Institution Name CITIZENS BANK

City CORVALLIS

State OR

Zip Code 97333

Call Report Report Date 3/31/2018

Report Type 041

RSSD-ID 98463

FDIC Certificate Number 17809

OCC Charter Number 0

ABA Routing Number 123204013

Last updated on 4/16/2018

Federal Financial Institutions Examination Council

Signature Page

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

Report at the close of business March 31, 2018

This report is required by law: 12 U.S.C. §324 (State memberbanks); 12 U.S.C. §1817 (State non member banks); 12 U.S.C.§161 (National banks); and 12 U.S.C. §1464 (Savingsassociations).

(20180331)(RCON 9999)Unless the context indicates otherwise, the term “bank” in thisreport form refers to both banks and savings associations.

This report form is to be filed by banks with branches andconsolidated subsidiaries in U.S. territories and possessions, Edgeor Agreement subsidiaries, foreign branches, consolidated foreignsubsidiaries, or International Banking Facilities.

NOTE: Each bank’s board of directors and senior managementare responsible for establishing and maintaining an effectivesystem of internal control, including controls over the Reports ofCondition and Income. The Reports of Condition and Income areto be prepared in accordance with federal regulatory authorityinstructions.The Reports of Condition and Income must be signedby the Chief Financial Officer (CFO) of the reporting bank (or bythe individual performing an equivalent function) and attested toby not less than two directors (trustees) for state non memberbanks and three directors for state member banks, national banks,and savings associations.

I, the undersigned CFO (or equivalent) of the named bank, attestthat the Reports of Condition and Income (including the supporting

schedules) for this report date have been prepared in conformancewith the instructions issued by the appropriate Federal regulatoryauthority and are true and correct to the best of my knowledgeand belief.

We, the undersigned directors (trustees), attest to the correctnessof the Reports of Condition and Income (including the supportingschedules) for this report date and declare that the Reports ofCondition and Income have been examined by us and to the bestof our knowledge and belief have been prepared in conformancewith the instructions issued by the appropriate Federal regulatoryauthority and are true and correct.

Signature of Chief Financial Officer (or Equivalent)

Date of Signature

Director (Trustee)

Director (Trustee)

Director (Trustee)

Submission of Reports

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

(a) Using computer software to prepare its Call Report and thensubmitting the report data directly to the FFIEC’s CentralData Repository (CDR), an Internet-based system fordatacollection (https://cdr.ffiec.gov/cdr/), or

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

For technical assistance with submissions to the CDR, pleasecontact the CDR Help Desk by telephone at (888) CDR-3111, byfax at (703) 774-3946, or by e-mail at [email protected].

FDIC Certificate Number 17809 (RSSD 9050)

To fulfill the signature and attestation requirement for the Reportsof Condition and Income for this report date, attach your bank’scompleted signature page (or a photocopy or a computergenerated version of this page) to the hard-copy record of the datafile submitted to the CDR that your bank must place in its files.

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

CITIZENS BANKLegal Title of Bank (RSSD 9017)

CORVALLISCity (RSSD 9130)

OR 97333State Abbreviation (RSSD 9200) Zip Code (RSSD 9220)

The estimated average burden associated with this information collection is 50.4 hours per respondent and is estimated to vary from 20 to 775 hours per response, dependingon individual circumstances. Burden estimates include the time for reviewing instructions, gathering and maintaining data in the required form, and completing the informationcollection, but exclude the time for compiling and maintaining business records in the normal course of a respondent’s activities. A Federal agency may not conduct orsponsor, and an organization (or a person) is not required to respond to a collection of information, unless it displays a currently valid OMB control number. Commentsconcerning the accuracy of this burden estimate and suggestions for reducing this burden should be directed to the Office of Information and Regulatory Affairs, Office ofManagement and Budget, Washington, DC 20503, and to one of the following: Secretary, Board of Governors of the Federal Reserve System, 20th and C Streets, NW,Washington, DC 20551; Legislative and Regulatory Analysis Division, Office of the Comptroller of the Currency, Washington, DC 20219; Assistant Executive Secretary,Federal Deposit Insurance Corporation, Washington, DC 20429.

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

Table of Contents

Signature Page............................................................1

Table of Contents.........................................................2

Contact Information for the Reports of Condition andIncome...................................................................3

Emergency Contact Information..................................3

USA PATRIOT Act Section 314(a) Anti-MoneyLaundering Contact Information............................4

Schedule RI - Income Statement.................................5

Schedule RI-A - Changes in Bank EquityCapital...................................................................8

Schedule RI-B Part I - Charge-offs and Recoverieson Loans and Leases............................................9

Schedule RI-B Part II - Changes in Allowance forLoan and Lease Losses......................................10

Schedule RI-C - Disaggregated Data on theAllowance for Loan and Lease Losses................11

Schedule RI-E - Explanations ...................................12

Schedule RC - Balance Sheet...................................14

Schedule RC-A - Cash and Balances Due FromDepository Institutions.........................................15

Schedule RC-B - Securities.......................................16

Schedule RC-C Part I - Loans and Leases................19

Schedule RC-C Part II - Loans to Small Businessesand Small Farms.................................................23

Schedule RC-D - Trading Assets and Liabilities.........25

Schedule RC-E - Deposit Liabilities...........................28

Schedule RC-F - Other Assets..................................30

Schedule RC-G - Other Liabilities..............................31

Schedule RC-K - Quarterly Averages........................32

Schedule RC-L - Derivatives and Off-Balance SheetItems....................................................................33

Schedule RC-M - Memoranda...................................37

Schedule RC-N - Past Due and Nonaccrual LoansLeases and Other Assets....................................40

Schedule RC-O - Other Data for Deposit Insuranceand FICO Assessments......................................43

Schedule RC-P - 1-4 Family Residential MortgageBanking Activities................................................47

Schedule RC-Q - Assets and Liabilities Measuredat Fair Value on a Recurring Basis......................47

Schedule RC-R Part I - Regulatory CapitalComponents and Ratios......................................52

Schedule RC-R Part II - Risk-Weighted Assets.........54

Schedule RC-S - Servicing Securitization and AssetSale Activities......................................................64

Schedule RC-T - Fiduciary and RelatedServices...............................................................66

Schedule RC-V - Variable Interest Entities................68

Optional Narrative Statement Concerning theAmounts Reported in the Reports of Conditionand Income..........................................................69

For information or assistance, national banks, state nonmember banks, and savings associations should contact the FDIC’s DataCollection and Analysis Section, 550 17th Street, NW, Washington, DC 20429, toll free on (800) 688-FDIC(3342), Monday throughFriday between 8:00 a.m. and 5:00 p.m., Eastern Time. State member banks should contact their Federal Reserve District Bank.

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

Contact Information for the Reports of Condition and Income

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

Chief Financial Officer (or Equivalent) Signingthe Reports

CONFName (TEXT C490)

CONFTitle (TEXT C491)

CONFE-mail Address (TEXT C492)

CONFArea Code / Phone Number / Extension (TEXT C493)

CONFArea Code / FAX Number (TEXT C494)

Other Person to Whom Questions about theReports Should be Directed



CONFE-mail Address (TEXT 4086)

CONFArea Code / Phone Number / Extension (TEXT 8902)

CONFArea Code / FAX Number (TEXT 9116)

Emergency Contact Information

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

Primary Contact






Secondary Contact






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

Contact Information

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

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

Primary Contact





Secondary Contact




CONFArea Code / Phone Number / Extension (TEXT 8902)

Third Contact





Fourth Contact





Schedule RI - Income StatementDollar amounts in thousands

1.1. Interest income:

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

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

1.a.1.a.620RIAD4435a. Loans secured by 1-4 family residential properties...............................................................................

1.a.1.b.3,456RIAD4436b. All other loans secured by real estate....................................................................................................

1.a.2.765RIAD40122. Commercial and industrial loans...................................................................................................................

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

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

1.a.3.b.59RIADB486b. Other (includes revolving credit plans other than credit cards, automobile loans, and other consumerloans).........................................................................................................................................................

1.a.4.4. Not applicable

1.a.5.489RIAD40585. All other loans1..............................................................................................................................................

1.a.6.5,389RIAD40106. Total interest and fee income on loans (sum of items 1.a.(1)(a) through 1.a.(5))..........................................

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

1.c.162RIAD4115c. Interest income on balances due from depository institutions2............................................................................

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

1.d.1.1,078RIADB4881. U.S.Treasury securities and U.S. Government agency obligations (excluding mortgage-backed securities).

1.d.2.0RIADB4892. Mortgage-backed securities..........................................................................................................................

1.d.3.2RIAD40603. All other securities (includes securities issued by states and political subdivisions in the U.S.)...................

1.e.e. Not applicable

1.f.0RIAD4020f. Interest income on federal funds sold and securities purchased under agreements to resell...............................

1.g.6RIAD4518g. Other interest income...........................................................................................................................................

1.h.6,637RIAD4107h. Total interest income (sum of items 1.a.(6) through 1.g)......................................................................................

2.2. Interest expense:

2.a.a. Interest on deposits:

2.a.1.2RIAD45081. Transaction accounts (interest-bearing demand deposits, NOW accounts, ATS accounts, and telephoneand preauthorized transfer accounts)...............................................................................................................

2.a.2.2. Nontransaction accounts:

2.a.2.a.121RIAD0093a. Savings deposits (includes MMDAs).....................................................................................................

2.a.2.b.9RIADHK03b. Time deposits of $250,000 or less.........................................................................................................

2.a.2.c.2RIADHK04c. Time deposits of more than $250,000....................................................................................................

2.b.14RIAD4180b. Expense of federal funds purchased and securities sold under agreements to repurchase................................

2.c.0RIAD4185c. Interest on trading liabilities and other borrowed money......................................................................................

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

2.e.148RIAD4073e. Total interest expense (sum of items 2.a through 2.d)..........................................................................................

3.6,489RIAD40743. Net interest income (item 1.h minus 2.e).....................................................................................................................

4.225RIAD42304. Provision for loan and lease losses.............................................................................................................................

5.5. Noninterest income:

5.a.0RIAD4070a. Income from fiduciary activities 1.........................................................................................................................

5.b.244RIAD4080b. Service charges on deposit accounts...................................................................................................................

5.c.0RIADA220c. Trading revenue2...................................................................................................................................................

5.d.d. Not available

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

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

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

1. Includes interest and fee income on "Loans to depository institutions and acceptances of other banks," "Loans to fi nance agricultural production and other loans to farmers," "Obligations (otherthan securities and leases) of states and political subdivisions in the U.S.," and "Other loans."

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

1. For banks required to complete Schedule RC-T, items 14 through 22, income from fiduciary activities reported in Schedule RI, item 5.a, must equal the amount reported in Schedule RC-T, item22.

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

CITIZENS BANK FFIEC 041

RSSD-ID 98463 Report Date 3/31/2018

Last Updated on 4/16/2018 5

Dollar amounts in thousands5.d.4.0RIADC3864. Underwriting income from insurance and reinsurance activities...................................................................

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

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

5.f.0RIADB492f. Net servicing fees..................................................................................................................................................

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

5.h.h. Not applicable

5.i.0RIAD5416i. Net gains (losses) on sales of loans and leases...................................................................................................

5.j.0RIAD5415j. Net gains (losses) on sales of other real estate owned.........................................................................................

5.k.0RIADB496k. Net gains (losses) on sales of other assets3........................................................................................................

5.l.488RIADB497l. Other noninterest income*.....................................................................................................................................

5.m.732RIAD4079m. Total noninterest income (sum of items 5.a through 5.l)......................................................................................

6.6. Not available

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

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

7.7. Noninterest expense:

7.a.3,087RIAD4135a. Salaries and employee benefits...........................................................................................................................

7.b.333RIAD4217b. Expenses of premises and fixed assets (net of rental income) (excluding salaries and employee benefits andmortgage interest)....................................................................................................................................................

7.c.c. Not available

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

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

7.d.937RIAD4092d. Other noninterest expense*..................................................................................................................................

7.e.4,357RIAD4093e. Total noninterest expense (sum of items 7.a through 7.d)....................................................................................

8.8. Not available

8.a.2,639RIADHT69a. Income (loss) before unrealized holding gains (losses) on equity securities not held for trading, applicableincome taxes, and discontinued operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e).........................

8.b.NRRIADHT70b. Unrealized holding gains (losses) on equity securities not held for trading4........................................................

8.c.2,639RIAD4301c. Income (loss) before applicable income taxes and discontinued operations (sum of items 8.a and 8.b).............

9.625RIAD43029. Applicable income taxes (on item 8.c).........................................................................................................................

10.2,014RIAD430010. Income (loss) before discontinued operations (item 8.c minus item 9)......................................................................

11.0RIADFT2811. Discontinued operations, net of applicable income taxes (Describe on Schedule RI-E - Explanations)*..................

12.2,014RIADG10412. Net income (loss) attributable to bank and noncontrolling (minority) interests (sum of items 10 and 11).................

13.0RIADG10313. LESS: Net income (loss) attributable to noncontrolling (minority) interests (if net income, report as a positive value;if net loss, report as a negative value).............................................................................................................................

14.2,014RIAD434014. Net income (loss) attributable to bank (item 12 minus item 13).................................................................................

M.1.0RIAD45131. Interest expense incurred to carry tax-exempt securities, loans, and leases acquired after August 7, 1986, that isnot deductible for federal income tax purposes...............................................................................................................

M.2.NRRIAD8431Memorandum item 2 is to be completed by banks with $1 billion or more in total assets

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

M.3.67RIAD43133. Income on tax-exempt loans and leases to states and political subdivisions in the U.S. (included in Schedule RI,items 1.a and 1.b)............................................................................................................................................................

M.4.2RIAD45074. Income on tax-exempt securities issued by states and political subdivisions in the U.S. (included in Schedule RI,item 1.d.(3)).....................................................................................................................................................................

M.5.160RIAD41505. Number of full-time equivalent employees at end of current period (round to nearest whole number).......................

M.6.422RIAD4024

Memorandum item 6 is to be completed by:* banks with $300 million or more in total assets, and* banks with less than $300 million in total assets that have loans to finance agricultural product and other loans to farmers (ScheduleRC-C, Part I, item 3) exceeding 5 percent of total loans

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

M.7.0RIAD91067. If the reporting institution has applied pushdown accounting this calendar year, report the date of the institution's

acquisition (see instructions)2.........................................................................................................................................

3. Exclude net gains (losses) on sales of trading assets and held-to-maturity and available-for-sale securities.

*. Describe on Schedule RI-E-Explanations

4. Item 8.b is to be completed only by institutions that have adopted ASU 2016-01, which includes provisions governing the accounting for investments in equity securities. See the instructionsfor further detail on ASU 2016-01.

2. For example, a bank acquired on March 1, 2016, would report 20160301.




Dollar amounts in thousands

M.8.8. Trading revenue (from cash instruments and derivative instruments) (sum of Memorandum items 8.a through 8.emust equal Schedule RI, item 5.c):

M.8.a.NRRIAD8757Memorandum items 8.a through 8.e are to be completed by banks that reported average trading assets (Schedule RC-K, item 7) of$2 million or more for any quarter of the preceding calendar year.

a. Interest rate exposures.........................................................................................................................................

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

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

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

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

M.8.f.

Memorandum items 8.f through 8.h are to be completed by banks with $100 billion or more in total assets that are required to completeSchedule RI, Memorandum items 8.a through 8.e, above.

f. Impact on trading revenue of changes in the creditworthiness of the bank's derivatives counterparties on thebank's derivative assets (year-to-date changes) (included in Memorandum items 8.a through 8.e above):

M.8.f.1.NRRIADFT361. Gross credit valuation adjustment (CVA)......................................................................................................

M.8.f.2.NRRIADFT372. CVA hedge....................................................................................................................................................

M.8.g.g. Impact on trading revenue of changes in the creditworthiness of the bank on the bank's derivative liabilities(year-to-date changes) (included in Memorandum items 8.a through 8.e above):

M.8.g.1.NRRIADFT381. Gross debit valuation adjustment (DVA).......................................................................................................

M.8.g.2.NRRIADFT392. DVA hedge....................................................................................................................................................

M.8.h.NRRIADFT40h. Gross trading revenue, before including positive or negative net CVA and net DVA............................................

M.9.9. Net gains (losses) recognized in earnings on credit derivatives that economically hedge credit exposures held outsidethe trading account:

M.9.a.NRRIADC889a. Net gains (losses) on credit derivatives held for trading.......................................................................................

M.9.b.NRRIADC890b. Net gains (losses) on credit derivatives held for purposes other than trading......................................................

M.10.0RIADA251To be completed by banks with $300 million or more in total assets:

10. Credit losses on derivatives (see instructions)..........................................................................................................

M.11.NoRIADA53011. Does the reporting bank have a Subchapter S election in effect for federal income tax purposes for the current taxyear?...............................................................................................................................................................................

M.12.NRRIADF228Memorandum item 12 is to be completed by banks that are required to complete Schedule RC-C, Part I, Memorandum items 8.b and 8.c.

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

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

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

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

M.13.a.1.NRRIADF5521. Estimated net gains (losses) on loans attributable to changes in instrument-specific credit risk..................

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

M.13.b.1.NRRIADF5541. Estimated net gains (losses) on liabilities attributable to changes in instrument-specific credit risk.............

M.14.0RIADJ32114. Other-than-temporary impairment losses on held-to-maturity and available-for-sale debt securities........................

M.15.

Memorandum item 15 is to be completed by institutions with $1 billion or more in total assets that answered "Yes" to Schedule RC-E,Memorandum item 5.

15. Components of service charges on deposit accounts in domestic offices (sum of Memorandum items 15.a through15.d must equal Schedule RI, item 5.b):

M.15.a.NRRIADH032a. Consumer overdraft-related service charges levied on those transaction account and nontransaction savingsaccount deposit products intended primarily for individuals for personal, household, or family use........................

M.15.b.NRRIADH033b. Consumer account periodic maintenance charges levied on those transaction account and nontransactionsavings account deposit products intended primarily for individuals for personal, household, or family use...........

M.15.c.NRRIADH034c. Consumer customer automated teller machine (ATM) fees levied on those transaction account and nontransactionsavings account deposit products intended primarily for individuals for personal, household, or family use...........

M.15.d.NRRIADH035d. All other service charges on deposit accounts.....................................................................................................




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

1.71,904RIAD32171. Total bank equity capital most recently reported for the December 31, 2017, Reports of Condition and Income (i.e.,after adjustments from amended Reports of Income).....................................................................................................

2.0RIADB5072. Cumulative effect of changes in accounting principles and corrections of material accounting errors*.......................

3.71,904RIADB5083. Balance end of previous calendar year as restated (sum of items 1 and 2)................................................................

4.2,014RIAD43404. Net income (loss) attributable to bank (must equal Schedule RI, item 14)..................................................................

5.787RIADB5095. Sale, conversion, acquisition, or retirement of capital stock, net (excluding treasury stock transactions)...................

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

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

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

9.100RIAD44609. LESS: Cash dividends declared on common stock.....................................................................................................

10.-1,747RIADB51110. Other comprehensive income1..................................................................................................................................

11.0RIAD441511. Other transactions with stockholders (including a parent holding company) (not included in items 5, 6, 8, or 9

above)*............................................................................................................................................................................

12.72,858RIAD321012. Total bank equity capital end of current period (sum of items 3 through 11) (must equal Schedule RC, item 27.a)..

*. Describe on Schedule RI-E -- Explanations.

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




Schedule RI-B Part I - Charge-offs and Recoveries on Loans and LeasesPart I includes charge-offs and recoveries through the allocated transfer risk reserve.

(Column B) Recoveries Calendaryear-to-date

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

1.1. Loans secured by real estate:

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

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

1.a.2.0RIADC8940RIADC8932. Other construction loans and all land development and other land loans...............

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

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

1.c.1.0RIAD54120RIAD54111. Revolving, open-end loans secured by 1-4 family residential properties and extendedunder lines of credit.....................................................................................................

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

1.c.2.a.0RIADC2170RIADC234a. Secured by first liens........................................................................................

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

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

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

1.e.1.0RIADC8960RIADC8951. Loans secured by owner-occupied nonfarm nonresidential properties...................

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

2.2. Not applicable

3.3. Not applicable

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

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

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

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

5.c.4RIADK2067RIADK205c. Other (includes revolving credit plans other than credit cards and other consumerloans).................................................................................................................................

6.6. Not applicable

7.0RIAD46280RIAD46447. All other loans2......................................................................................................................

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

9.4RIAD46057RIAD46359. Total (sum of items 1 through 8)............................................................................................

M.1.0RIAD54100RIAD54091. Loans to finance commercial real estate, construction, and land development activities (notsecured by real estate) included in Schedule RI-B, part I, items 4 and 7, above......................

M.2.2. Not available

M.2.a.0RIAD46620RIAD4652

Memorandum items 2.a. through 2.d. are to be completed by banks with $300 million or more in totalassets:

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

M.2.b.b. Not applicable

M.2.c.0RIAD46180RIAD4646c. Commercial and industrial loans to non-U.S. addressees (domicile) (included in ScheduleRI-B, part I, item 4, above).................................................................................................

M.2.d.0RIADF1870RIADF185d. Leases to individuals for household, family, and other personal expenditures (includedin Schedule RI-B, part I, item 8, above).............................................................................

M.3.0RIAD46650RIAD4655

Memorandum item 3 are to be completed by:* banks with $300 million or more in total assets, and* banks with less than $300 million in total assets that have loans to finance agricultural production and otherloans to farmers (Schedule RC-C, Part I, item 3) exceeding 5 percent of total loans:

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


M.4.NRRIADC388

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

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

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




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

1.4,561RIADB5221. Balance most recently reported for the December 31, 2017, Reports of Condition and Income (i.e., after adjustmentsfrom amended Reports of Income).................................................................................................................................

2.4RIAD46052. Recoveries (must equal part I, item 9, column B, above)............................................................................................

3.7RIADC0793. LESS: Charge-offs (must equal part I, item 9, column A, above less Schedule RI-B, part II, item 4).........................

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

5.225RIAD42305. Provision for loan and lease losses (must equal Schedule RI, item 4)........................................................................

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

7.4,783RIAD31237. Balance end of current period (sum of items 1, 2, 5, and 6, less items 3 and 4) (must equal Schedule RC, item4.c)..................................................................................................................................................................................

M.1.NRRIADC4351. Allocated transfer risk reserve included in Schedule RI-B, part II, item 7, above .......................................................

M.2.NRRIADC389

Memorandum items 2 and 3 are to be completed by banks that (1) together with affiliated institutions, have outstanding credit cardreceivables (as defined in the instructions) that exceed $500 million as of the report date, or (2) are credit card specialty banks as definedfor Uniform Bank Performance Report purposes.

2. Separate valuation allowance for uncollectible retail credit card fees and finance charges........................................

M.3.NRRIADC3903. Amount of allowance for loan and lease losses attributable to retail credit card fees and finance charges................

M.4.0RIADC781Memorandum item 4 is to be completed by all banks.

4. Amount of allowance for post-acquisition credit losses on purchased credit-impaired loans accounted for in accordancewith FASB ASC 310-30 (former AICPA Statement of Position 03-3) (included in Schedule RI-B, Part II, item 7, above).

*. Describe on Schedule RI-E -- Explanations.




Schedule RI-C - Disaggregated Data on the Allowance for Loan and Lease LossesSchedule RI-C is to be completed by institutions with $1 billion or more in total assets

(Column F)Allowance Balance:

PurchasedCredit-Impaired

Loans (ASC 310-30)

(Column E)Recorded

Investment:Purchased

Credit-ImpairedLoans (ASC 310-30)

(Column D)Allowance Balance:

CollectivelyEvaluated for

Impairment (ASC450-20)

(Column C)Recorded

Investment:Collectively

Evaluated forImpairment (ASC

450-20)

(Column B)Allowance Balance:

IndividuallyEvaluated for

Impairment andDetermined to be

Impaired (ASC310-10-35)

(Column A)Recorded

Investment:Individually

Evaluated forImpairment and

Determined to beImpaired (ASC

310-10-35)Dollar amounts in thousands

1.1. Real estate loans:

1.a.RCONM713

NRRCONM712

NRRCONM711

NRRCONM710

NRRCONM709

NRRCONM708

NRa. Construction loans.............................................................................................

1.b.RCONM720

NRRCONM719

NRRCONM717

NRRCONM716

NRRCONM715

NRRCONM714

NRb. Commercial real estate loans.............................................................................

1.c.RCONM726

NRRCONM725

NRRCONM724

NRRCONM723

NRRCONM722

NRRCONM721

NRc. Residential real estate loans..............................................................................

2.RCONM732

NRRCONM731

NRRCONM730

NRRCONM729

NRRCONM728

NRRCONM727

NR2. Commercial loans2....................................................................................................

3.RCONM738

NRRCONM737

NRRCONM736

NRRCONM735

NRRCONM734

NRRCONM733

NR3. Credit cards...............................................................................................................

4.RCONM744

NRRCONM743

NRRCONM742

NRRCONM741

NRRCONM740

NRRCONM739

NR4. Other consumer loans...............................................................................................

5.RCONM745

NR5. Unallocated, if any.....................................................................................................

6.RCONM751

NRRCONM750

NRRCONM749

NRRCONM748

NRRCONM747

NRRCONM746

NR6. Total (for each column, sum of items 1.a through 5)3................................................

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

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




Schedule RI-E - ExplanationsSchedule 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 andother noninterest expense in Schedule RI. (See instructions for details.)


1.1. Other noninterest income (from Schedule RI, item 5.l) Itemize and describe amounts greater than $100,000 thatexceed 3% of Schedule RI, item 5.l:

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

1.b.110RIADC014b. Earnings on/increase in value of cash surrender value of life insurance..............................................................

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

1.d.0RIAD4042d. Rent and other income from other real estate owned..........................................................................................

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

1.f.NRRIADF229f. Net change in the fair values of financial instruments accounted for under a fair value option.............................

1.g.NRRIADF555g. Bank card and credit card interchange fees.........................................................................................................

1.h.NRRIADJ447h. Gains on bargain purchases................................................................................................................................

1.i.NRRIADT047i. Income and fees from wire transfers.....................................................................................................................

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

1.j.1.226RIAD4461(TEXT4461) Bankcard Income

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

1.k.1.0RIAD4462(TEXT4462)

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

1.l.1.NRRIAD4463(TEXT4463)

2.2. Other noninterest expense (from Schedule RI, item 7.d) Itemize and describe amounts greater than $100,000 thatexceed 3% of Schedule RI, item 7.d:

2.a.177RIADC017a. Data processing expenses...................................................................................................................................

2.b.NRRIAD0497b. Advertising and marketing expenses....................................................................................................................

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

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

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

2.f.0RIAD4141f. Legal fees and expenses.......................................................................................................................................

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

2.h.NRRIADF556h. Accounting and auditing expenses.......................................................................................................................

2.i.0RIADF557i. Consulting and advisory expenses........................................................................................................................

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

2.k.0RIADF559k. Telecommunications expenses.............................................................................................................................

2.l.NRRIADY923l. Other real estate owned expenses........................................................................................................................

2.m.NRRIADY924m. Insurance expenses (not included in employee expenses, premises and fixed asset expenses, and other realestate owned expenses)..........................................................................................................................................

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

2.n.1.0RIAD4464(TEXT4464)

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

2.o.1.0RIAD4467(TEXT4467)

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

2.p.1.0RIAD4468(TEXT4468)

3.3. Discontinued operations and applicable income tax effect (from Schedule RI, item 11) (itemize and describe eachdiscontinued operation):

3.a.a. Disclose component, the gross dollar amount of that component, and its related income tax:

3.a.1.0RIADFT29(TEXTFT29)

3.a.3.0RIADFT303. Applicable income tax effect.........................................................................................................................

3.b.b. Disclose component, the gross dollar amount of that component, and its related income tax:

3.b.1.0RIADFT31(TEXTFT31)

3.b.3.0RIADFT323. Applicable income tax effect.........................................................................................................................

4.4. Cumulative effect of changes in accounting principles and corrections of material accounting errors (from ScheduleRI-A, item 2) (itemize and describe all such effects):




Dollar amounts in thousands4.a.a. Disclose component and the dollar amount of that component:

4.a.1.0RIADB526(TEXTB526)

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

4.b.1.0RIADB527(TEXTB527)

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

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

5.a.1.0RIAD4498(TEXT4498)


5.b.1.0RIAD4499(TEXT4499)

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

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

6.a.1.0RIAD4521(TEXT4521)


6.b.1.0RIAD4522(TEXT4522)

7.7. Other explanations (the space below is provided for the bank to briefly describe, at its option, any other significantitems affecting the Report of Income):

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

7.b.TEXT4769b. Other explanations...............................................................................................................................................




Schedule RC - Balance SheetAll schedules are to be reported in thousands of dollars. Unless otherwise indicated, report the amount outstanding as of the last business day of the quarter.


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

1.a.14,058RCON0081a. Noninterest-bearing balances and currency and coin1........................................................................................

1.b.55,722RCON0071b. Interest-bearing balances2...................................................................................................................................

2.2. Securities:

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

2.b.265,560RCON1773b. Available-for-sale securities (from Schedule RC-B, column D)............................................................................

2.c.NRRCONJA22c. Equity securities with readily determinable fair values not held for trading8.........................................................

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

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

3.b.0RCONB989b. Securities purchased under agreements to resell3..............................................................................................

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

4.a.0RCON5369a. Loans and leases held for sale.............................................................................................................................

4.b.401,058RCONB528b. Loans and leases held for investment..................................................................................................................

4.c.4,783RCON3123c. LESS: Allowance for loan and lease losses..........................................................................................................

4.d.396,275RCONB529d. Loans and leases held for investment, net of allowance (item 4.b minus 4.c)......................................................

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

6.11,666RCON21456. Premises and fixed assets (including capitalized leases)............................................................................................

7.823RCON21507. Other real estate owned (from Schedule RC-M).........................................................................................................

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

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

10.10. Intangible assets:

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

10.b.0RCON0426b. Other intangible assets (from Schedule RC-M)....................................................................................................

11.27,901RCON216011. Other assets (from Schedule RC-F)..........................................................................................................................

12.772,005RCON217012. Total assets (sum of items 1 through 11)...................................................................................................................

13.13. Deposits:

13.a.658,300RCON2200a. In domestic offices (sum of totals of columns A and C from Schedule RC-E).....................................................

13.a.1.252,013RCON66311. Noninterest-bearing4.....................................................................................................................................

13.a.2.406,287RCON66362. Interest-bearing.............................................................................................................................................

13.b.b. Not applicable

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

14.a.0RCONB993a. Federal funds purchased5....................................................................................................................................

14.b.32,941RCONB995b. Securities sold under agreements to repurchase6...............................................................................................

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

16.0RCON319016. Other borrowed money (includes mortgage indebtedness and obligations under capitalized leases) (from ScheduleRC-M)..............................................................................................................................................................................

17.17. Not applicable


19.0RCON320019. Subordinated notes and debentures7........................................................................................................................

20.7,906RCON293020. Other liabilities (from Schedule RC-G)......................................................................................................................

21.699,147RCON294821. Total liabilities (sum of items 13 through 20)..............................................................................................................

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

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

8. Item 2.c is to be completed only by institutions that have adopted ASU 2016-01, which includes provisions governing the accounting for investments in equity securities. See the instructionsfor further detail on ASU 2016-01.

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

4. Includes total demand deposits and noninterest-bearing time and savings deposits.

5. Report overnight Federal Home Loan Bank advances in Schedule RC, item 16, "Other borrowed money."

6. Includes all securities repurchase agreements, regardless of maturity.

7. Includes limited-life preferred stock and related surplus.




Dollar amounts in thousands22.22. Not applicable

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

24.28,921RCON323024. Common stock...........................................................................................................................................................

25.24,512RCON383925. Surplus (exclude all surplus related to preferred stock).............................................................................................

26.26. Not available

26.a.22,869RCON3632a. Retained earnings................................................................................................................................................

26.b.-3,444RCONB530b. Accumulated other comprehensive income1........................................................................................................

26.c.0RCONA130c. Other equity capital components2........................................................................................................................


27.a.72,858RCON3210a. Total bank equity capital (sum of items 23 through 26.c).....................................................................................

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

28.72,858RCONG10528. Total equity capital (sum of items 27.a and 27.b)......................................................................................................

29.772,005RCON330029. Total liabilities and equity capital (sum of items 21 and 28).......................................................................................

M.1.2bRCON67241. Indicate in the box at the right the number of the statement below that best describes the most comprehensive levelof auditing work performed for the bank by independent external auditors as of any date during 2017.........................

M.2.1231RCON86782. Bank's fiscal year-end date (report the date in MMDD format)...................................................................................

Schedule RC-A - Cash and Balances Due From Depository InstitutionsSchedule RC-A is to be completed only by banks with $300 million or more in total assets.Exclude assets held for trading.


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

1.a.6,178RCON0020a. Cash items in process of collection and unposted debits.....................................................................................

1.b.3,231RCON0080b. Currency and coin................................................................................................................................................

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

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

2.b.25,923RCON0085b. Other commercial banks in the U.S. and other depository institutions in the U.S.................................................

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

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

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

4.34,448RCON00904. Balances due from Federal Reserve Banks................................................................................................................

5.69,780RCON00105. Total.............................................................................................................................................................................

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

2. Includes treasury stock and unearned Employee Stock Ownership Plan shares.




Schedule RC-B - SecuritiesExclude assets held for trading.

(Column D)Available-for-sale Fair

Value

(Column C)Available-for-saleAmortized Cost

(Column B)Held-to-maturity Fair

Value

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

1.0RCON12870RCON12860RCON02130RCON02111. U.S. Treasury securities..............................................................

2.2. U.S. Government agency obligations (exclude mortgage-backedsecurities):

2.a.0RCON12930RCON12910RCON12900RCON1289a. Issued by U.S. Government agencies..................................

2.b.265,560RCON1298269,920RCON12970RCON12950RCON1294b. Issued by U.S. Government-sponsored agencies2..............

3.0RCON84990RCON84980RCON84970RCON84963. Securities issued by states and political subdivisions in theU.S..................................................................................................

4.4. Mortgage-backed securities (MBS):

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

4.a.1.0RCONG3030RCONG3020RCONG3010RCONG3001. Guaranteed by GNMA..................................................

4.a.2.0RCONG3070RCONG3060RCONG3050RCONG3042. Issued by FNMA and FHLMC......................................

4.a.3.0RCONG3110RCONG3100RCONG3090RCONG3083. Other pass-through securities......................................

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

4.b.1.0RCONG3150RCONG3140RCONG3130RCONG3121. Issued or guaranteed by U.S. Government agencies or

sponsored agencies1.......................................................

4.b.2.0RCONG3190RCONG3180RCONG3170RCONG3162. Collateralized by MBS issued or guaranteed by U.S.

Government agencies or sponsored agencies1...............

4.b.3.0RCONG3230RCONG3220RCONG3210RCONG3203. All other residential MBS..............................................

4.c.c. Commercial MBS:

4.c.1.1. Commercial mortgage pass-through securities:

4.c.1.a.0RCONK1450RCONK1440RCONK1430RCONK142a. Issued or guaranteed by FNMA, FHLMC, orGNMA.......................................................................

4.c.1.b.0RCONK1490RCONK1480RCONK1470RCONK146b. Other pass-through securities...............................

4.c.2.2. Other commercial MBS:

4.c.2.a.0RCONK1530RCONK1520RCONK1510RCONK150a. Issued or guaranteed by U.S. Government

agencies or sponsored agencies1............................

4.c.2.b.0RCONK1570RCONK1560RCONK1550RCONK154b. All other commercial MBS.....................................

5.5. Asset-backed securities and structured financial products:

5.a.0RCONC0270RCONC9890RCONC9880RCONC026a. Asset-backed securities (ABS)............................................

5.b.b. Structured financial products:

5.b.1.0RCONG3390RCONG3380RCONG3370RCONG3361. Cash.............................................................................

5.b.2.0RCONG3430RCONG3420RCONG3410RCONG3402. Synthetic.......................................................................

5.b.3.0RCONG3470RCONG3460RCONG3450RCONG3443. Hybrid...........................................................................

6.6. Other debt securities:

6.a.0RCON17410RCON17390RCON17380RCON1737a. Other domestic debt securities............................................

6.b.0RCON17460RCON17440RCON17430RCON1742b. Other foreign debt securities................................................

7.NRRCONA511NRRCONA5107. Investments in mutual funds and other equity securities with

readily determinable fair values2....................................................

8.265,560RCON1773269,920RCON17720RCON17710RCON17548. Total (sum of items 1 through 7) (total of column A must equalSchedule RC, item 2.a) (total of column D must equal ScheduleRC, item 2.b)...................................................................................





M.1.47,656RCON04161. Pledged securities1.....................................................................................................................................................

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

M.2.a.a. Securities issued by the U.S. Treasury, U.S. Government agencies, and states and political subdivisions in theU.S.; other non-mortgage debt securities; and mortgage pass-through securities other than those backed byclosed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of:

M.2.a.1.17,976RCONA5491. Three months or less....................................................................................................................................

M.2.a.2.55,916RCONA5502. Over three months through 12 months.........................................................................................................

M.2.a.3.109,587RCONA5513. Over one year through three years...............................................................................................................

M.2.a.4.73,829RCONA5524. Over three years through five years..............................................................................................................

M.2.a.5.8,252RCONA5535. Over five years through 15 years..................................................................................................................

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

M.2.b.b. Mortgage pass-through securities backed by closed-end first lien 1-4 family residential mortgages with aremaining maturity or next repricing date of:

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

M.2.b.2.0RCONA5562. Over three months through 12 months.........................................................................................................

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

M.2.b.4.0RCONA5584. Over three years through five years..............................................................................................................

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

M.2.b.6.0RCONA5606. Over 15 years................................................................................................................................................

M.2.c.c. Other mortgage-backed securities (include CMOs, REMICs, and stripped MBS; exclude mortgage pass-through

securities) with an expected average life of:6

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

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

M.2.d.73,892RCONA248d. Debt securities with a REMAINING MATURITY of one year or less (included in Memorandum items 2.a through2.c above)................................................................................................................................................................

M.3.0RCON17783. Amortized cost of held-to-maturity securities sold or transferred to available-for-sale or trading securities during thecalendar year-to-date (report the amortized cost at date of sale or transfer)..................................................................

M.4.4. Structured notes (included in the held-to-maturity and available-for-sale accounts in Schedule RC-B, items 2, 3, 5,and 6):

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

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

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

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


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




(Column D)Available-for-sale Fair

Value

(Column C)Available-for-saleAmortized Cost

(Column B)Held-to-maturity Fair

Value

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

M.5.

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

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

M.5.a.NRRCONB841NRRCONB840NRRCONB839NRRCONB838a. Credit card receivables........................................................

M.5.b.NRRCONB845NRRCONB844NRRCONB843NRRCONB842b. Home equity lines................................................................

M.5.c.NRRCONB849NRRCONB848NRRCONB847NRRCONB846c. Automobile loans.................................................................

M.5.d.NRRCONB853NRRCONB852NRRCONB851NRRCONB850d. Other consumer loans.........................................................

M.5.e.NRRCONB857NRRCONB856NRRCONB855NRRCONB854e. Commercial and industrial loans.........................................

M.5.f.NRRCONB861NRRCONB860NRRCONB859NRRCONB858f. Other.....................................................................................

M.6.6. Structured financial products by underlying collateral or referenceassets (for each column, sum of Memorandum items 6.a through6.g must equal Schedule RC-B, sum of items 5.b(1) through(3)):

M.6.a.0RCONG3510RCONG3500RCONG3490RCONG348a. Trust preferred securities issued by financial institutions......

M.6.b.0RCONG3550RCONG3540RCONG3530RCONG352b. Trust preferred securities issued by real estate investmenttrusts........................................................................................

M.6.c.0RCONG3590RCONG3580RCONG3570RCONG356c. Corporate and similar loans.................................................

M.6.d.0RCONG3630RCONG3620RCONG3610RCONG360d. 1-4 family residential MBS issued or guaranteed by U.S.government-sponsored enterprises (GSEs)............................

M.6.e.0RCONG3670RCONG3660RCONG3650RCONG364e. 1-4 family residential MBS not issued or guaranteed byGSEs.......................................................................................

M.6.f.0RCONG3710RCONG3700RCONG3690RCONG368f. Diversified (mixed) pools of structured financial products......

M.6.g.0RCONG3750RCONG3740RCONG3730RCONG372g. Other collateral or reference assets.....................................

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

6. Sum of Memorandum items 2.c.(1) and 2.c.(2) plus any nonaccrual "Other mortgage-backed securities" included in Schedule RC-N, item 9, column C, must equal Schedule RC-B, sum of items4.b and 4.c.(2), columns A and D.




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

(Column B) To Be Completed byAll Banks

(Column A) To Be Completed byBanks with $300 Million or More

in Total AssetsDollar amounts in thousands



1.a.1.4,335RCONF1581. 1-4 family residential construction loans.................................................................

1.a.2.14,834RCONF1592. Other construction loans and all land development and other land loans...............

1.b.48,115RCON1420b. Secured by farmland (including farm residential and other improvements)....................


1.c.1.3,058RCON17971. Revolving, open-end loans secured by 1-4 family residential properties and extendedunder lines of credit.....................................................................................................


1.c.2.a.33,658RCON5367a. Secured by first liens........................................................................................

1.c.2.b.5,394RCON5368b. Secured by junior liens.....................................................................................

1.d.28,285RCON1460d. Secured by multifamily (5 or more) residential properties..............................................


1.e.1.107,410RCONF1601. Loans secured by owner-occupied nonfarm nonresidential properties...................

1.e.2.61,282RCONF1612. Loans secured by other nonfarm nonresidential properties....................................

2.NRRCON12882. Loans to depository institutions and acceptances of other banks.........................................

2.a.0RCONB531a. To commercial banks in the U.S.....................................................................................

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

2.c.0RCONB535c. To banks in foreign countries..........................................................................................

3.27,630RCON15903. Loans to finance agricultural production and other loans to farmers.....................................

4.55,186RCON17664. Commercial and industrial loans............................................................................................

4.a.55,186RCON1763a. To U.S. addressees (domicile)........................................................................................

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

5.5. Not applicable

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

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

6.b.33RCONB539b. Other revolving credit plans............................................................................................

6.c.7RCONK137c. Automobile loans............................................................................................................

6.d.4,090RCONK207d. Other consumer loans (includes single payment and installment loans other thanautomobile loans and all student loans).............................................................................

7.7. Not applicable

8.7,741RCON21078. Obligations (other than securities and leases) of states and political subdivisions in theU.S.............................................................................................................................................

9.9. Loans to nondepository financial institutions and other loans:

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

9.b.0RCONJ464b. Other loans.....................................................................................................................

9.b.1.0RCON15451. Loans for purchasing or carrying securities (secured and unsecured)...................

9.b.2.0RCONJ4512. All other loans (exclude consumer loans)...............................................................

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

10.a.0RCONF162a. Leases to individuals for household, family, and other personal expenditures (i.e.,consumer leases)...............................................................................................................

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

11.0RCON212311. LESS: Any unearned income on loans reflected in items 1-9 above...................................

12.401,058RCON212212. Total loans and leases held for investment and held for sale (sum of items 1 through 10minus item 11) (must equal Schedule RC, sum of items 4.a and 4.b).......................................





M.1.1. Loans restructured in troubled debt restructurings that are in compliance with their modified terms (included inSchedule RC-C, part 1, and not reported as past due or nonaccrual in Schedule RC-N, Memorandum item 1):

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

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

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

M.1.b.0RCONF576b. Loans secured by 1-4 family residential properties..............................................................................................

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

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

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

M.1.d.2.0RCONK1622. Loans secured by other nonfarm nonresidential properties..........................................................................

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

M.1.e.1.0RCONK163Memorandum items 1.e.(1) and (2) are to be completed by banks with $300 million or more in total assets (sum of Memorandumitems 1.e(1) and (2) must equal Memorandum item 1.e):

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

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

M.1.f.0RCONK165f. All other loans (include loans to individuals for household, family, and other personal expenditures)..................

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

M.1.f.2.2. Not applicable


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

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

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

M.1.f.4.c.0RCONK204c. Other (includes revolving credit plans other than credit cards and other consumer loans)...................

M.1.f.5.0RCONK168

Memorandum item 1.f.(6)(a) is to be completed by:• Banks with $300 million or more in total assets• Banks with less than $300 million in total assets that have loans to finance agricultural production and other loans to farmers(Schedule RC-C, Part I, item 3) exceeding 5 percent of total loans

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

M.1.g.0RCONHK25g. Total loans restructured in troubled debt restructurings that are in compliance with their modified terms (sumof Memorandum items 1.a.(1) through 1.f)...............................................................................................................

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

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

M.2.a.1.2,257RCONA5641. Three months or less....................................................................................................................................

M.2.a.2.836RCONA5652. Over three months through 12 months.........................................................................................................

M.2.a.3.2,921RCONA5663. Over one year through three years...............................................................................................................

M.2.a.4.4,105RCONA5674. Over three years through five years..............................................................................................................

M.2.a.5.10,011RCONA5685. Over five years through 15 years..................................................................................................................

M.2.a.6.13,528RCONA5696. Over 15 years................................................................................................................................................

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

M.2.b.1.76,617RCONA5701. Three months or less....................................................................................................................................

M.2.b.2.6,726RCONA5712. Over three months through 12 months.........................................................................................................

M.2.b.3.27,829RCONA5723. Over one year through three years...............................................................................................................

M.2.b.4.66,468RCONA5734. Over three years through five years..............................................................................................................

M.2.b.5.111,720RCONA5745. Over five years through 15 years..................................................................................................................

M.2.b.6.75,392RCONA5756. Over 15 years................................................................................................................................................

M.2.c.58,734RCONA247c. Loans and leases (reported in Schedule RC-C, part I, items 1 through 10, column B, above) with a REMAININGMATURITY of one year or less (excluding those in nonaccrual status)...................................................................

M.3.623RCON27463. Loans to finance commercial real estate, construction, and land development activities (not secured by real estate)

included in Schedule RC-C, part I, items 4 and 9, column B6.........................................................................................

M.4.24,903RCON53704. Adjustable rate closed-end loans secured by first liens on 1-4 family residential properties (included in ScheduleRC-C, part I, item 1.c.(2)(a), column B)...........................................................................................................................

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





M.5.0RCONB837To be completed by banks with $300 million or more in total assets:

5. Loans secured by real estate to non-U.S. addressees (domicile) (included in Schedule RC-C, part I, items 1.a through1.e, column B).................................................................................................................................................................

M.6.NRRCONC391

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

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

M.7.Memorandum item 7 is to be completed by all banks.

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

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

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

M.8.8. Closed-end loans with negative amortization features secured by 1-4 family residential properties:

M.8.a.0RCONF230a.Total amount of closed-end loans with negative amortization features secured by 1-4 family residential properties(included in Schedule RC-C, part I, items 1.c.(2)(a) and 1.c.(2)(b)).........................................................................

M.8.b.NRRCONF231

Memorandum items 8.b and 8.c are to be completed by banks that had closed-end loans with negative amortization features securedby 1–4 family residential properties (as reported in Schedule RC-C, Part I, Memorandum item 8.a) as of December 31, 2017, thatexceeded the lesser of $100 million or 5 percent of total loans and leases, net of unearned income (as reported in Schedule RC-C,Part I, item 12, column B).

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

M.8.c.NRRCONF232c.Total amount of negative amortization on closed-end loans secured by 1-4 family residential properties includedin the amount reported in Memorandum item 8.a above.........................................................................................

M.9.0RCONF5779. Loans secured by 1-4 family residential properties in process of foreclosure (included in Schedule RC-C, part I,items 1.c.(1), 1.c.(2)(a), and 1.c.(2)(b))...........................................................................................................................

M.10.10. Not applicable




Dollar amounts in thousandsM.11.11. Not applicable

(Column C) Best estimateat acquisition date of

contractual cash flows notexpected to be collected

(Column B) Grosscontractual amounts

receivable at acquisitiondate

(Column A) Fair value ofacquired loans and leases

at acquisition dateDollar amounts in thousands

M.12.12. Loans (not subject to the requirements of FASB ASC 310-30 (former AICPAStatement of Position 03-3)) and leases held for investment that were acquiredin business combinations with acquisition dates in the current calendar year:

M.12.a.0RCONG0930RCONG0920RCONG091a. Loans secured by real estate................................................................

M.12.b.0RCONG0960RCONG0950RCONG094b. Commercial and industrial loans...........................................................

M.12.c.0RCONG0990RCONG0980RCONG097c. Loans to individuals for household, family, and other personalexpenditures..............................................................................................

M.12.d.0RCONG1020RCONG1010RCONG100d. All other loans and all leases.................................................................


M.13.

Memoranda item 13 is to be completed by banks that had construction, land development, and other land loans in domestic offices (asreported in Schedule RC-C, Part I, item 1.a., column B) that exceeded 100 percent of total capital (as reported in Schedule RC-R, Part I,item 35.a) as of December 31, 2017.

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

M.13.a.NRRCONG376a. Amount of loans that provide for the use of interest reserves (included in Schedule RC-C, part I, item 1.a, columnB) .............................................................................................................................................................................

M.13.b.NRRIADG377b. Amount of interest capitalized from interest reserves on construction, land development, and other land loansthat is included in interest and fee income on loans during the quarter (included in Schedule RI, item 1.a.(1)(a)(2)).

M.14.192,846RCONG378Memorandum item 14 is to be completed by all banks.

14. Pledged loans and leases.........................................................................................................................................

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

15. Reverse mortgages:

M.15.a.a. Reverse mortgages outstanding that are held for investment (included in Schedule RC-C, item 1.c, above):

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

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

M.15.b.b. Estimated number of reverse mortgage loan referrals to other lenders during the year from whom compensationhas been received for services performed in connection with the origination of the reverse mortgages:

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

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

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

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

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




Schedule RC-C Part II - Loans to Small Businesses and Small FarmsReport the number and amount currently outstanding as of the report date of business loans with "original amounts" of $1,000,000 or less and farm loans with "originalamounts" of $500,000 or less. The following guidelines should be used to determine the "original amount" of a loan:(1) For loans drawn down under lines of credit or loan commitments, the "original amount" of the loan is the size of the line of credit or loan commitment when the line ofcredit or loan commitment was most recently approved, extended, or renewed prior to the report date. However, if the amount currentlyoutstanding as of the report dateexceeds this size, the "original amount" is the amount currently outstanding on the report date. (2) For loan participations and syndications, the "original amount" of the loanparticipation or syndication is the entire amount of the credit originated by the lead lender. (3) For all other loans, the "original amount" is the total amount of the loan atorigination or the amount currently outstanding as of the report date, whichever is larger.


1.NoRCON6999

1. Indicate in the appropriate box at the right whether all or substantially all of the dollar volume of your bank's "Loanssecured by nonfarm nonresidential properties" reported in Schedule RC-C, part I, items 1.e.(1) and 1.e.(2), and all orsubstantially all of the dollar volume of your bank's "Commercial and industrial loans" reported in Schedule RC-C, partI, item 4, have original amounts of $100,000 or less.......................................................................................................

2.

If YES, complete items 2.a and 2.b below, skip items 3 and 4, and go to item 5. If NO and your bank has loans outstanding in either loancategory, skip items 2.a and 2.b, complete items 3 and 4 below, and go to item 5. If NO and your bank has no loans outstanding in bothloan categories, skip items 2 through 4, and go to item 5

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

2.a.NRRCON5562a. "Loans secured by nonfarm nonresidential properties" reported in Schedule RC-C, part I, items 1.e.(1) and1.e.(2).......................................................................................................................................................................

2.b.NRRCON5563b. "Commercial and industrial loans" reported in Schedule RC-C, part I, item 41....................................................

(Column B) Amount CurrentlyOutstanding

(Column A) Number of LoansDollar amounts in thousands

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

3.a.2,293RCON556546RCON5564a. With original amounts of $100,000 or less.....................................................................

3.b.16,636RCON5567125RCON5566b. With original amounts of more than $100,000 through $250,000...................................

3.c.62,848RCON5569164RCON5568c. With original amounts of more than $250,000 through $1,000,000................................

4.4. Number and amount currently outstanding of "Commercial and industrial loans" reported inSchedule RC-C, part I, item 4:



4.c.18,946RCON557580RCON5574c. With original amounts of more than $250,000 through $1,000,000................................


5.NoRCON6860

5. Indicate in the appropriate box at the right whether all or substantially all of the dollar volume of your bank's "Loanssecured by farmland (including farm residential and other improvements)" reported in Schedule RC-C, part I, item 1.b,and all or substantially all of the dollar volume of your bank's "Loans to finance agricultural production and other loansto farmers" reported in Schedule RC-C, part I, item 3, have original amounts of $100,000 or less................................

6.

If YES, complete items 6.a and 6.b below, and do not complete items 7 and 8. If NO and your bank has loans outstanding in either loancategory, skip items 6.a and 6.b and complete items 7 and 8 below. If NO and your bank has no loans outstanding in both loan categories,do not complete items 6 through 8.

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

6.a.NRRCON5576a. "Loans secured by farmland (including farm residential and other improvements)" reported in Schedule RC-C,part I, item 1.b..........................................................................................................................................................

6.b.NRRCON5577b. "Loans to finance agricultural production and other loans to farmers" reported in Schedule RC-C, part I, item3 ...............................................................................................................................................................................

(Column B) Amount CurrentlyOutstanding

(Column A) Number of LoansDollar amounts in thousands

7.7. Number and amount currently outstanding of "Loans secured by farmland (including farmresidential and other improvements)" reported in Schedule RC-C, part I, item 1.b:



7.c.24,440RCON558364RCON5582c. With original amounts of more than $250,000 through $500,000...................................

8.8. Number and amount currently outstanding of "Loans to finance agricultural production andother loans to farmers" reported in Schedule RC-C, part I, item 3:



8.c.11,828RCON558950RCON5588c. With original amounts of more than $250,000 through $500,000...................................




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




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


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

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

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

4.4. Mortgage-backed securities (MBS):

4.a.NRRCONG379a. Residential mortgage pass-through securities issued or guaranteed by FNMA, FHLMC, or GNMA...................

4.b.NRRCONG380b. Other residential MBS issued or guaranteed by U.S. Government agencies or sponsored agencies (includeCMOs, REMICs, and stripped MBS)........................................................................................................................

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

4.d.NRRCONK197d. Commercial MBS issued or guaranteed by U.S. Government agencies or sponsored agencies1.......................

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

5.5. Other debt securities:

5.a.a. Structured financial products:

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

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

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

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

6.6. Loans:

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

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

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

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

6.a.3.a.NRRCONF606a. Revolving, open-end loans secured by 1-4 family residential properties and extended under lines ofcredit..........................................................................................................................................................

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

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

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

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

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

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

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

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

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

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

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

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

7.7. Not applicable

8.8. Not applicable

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


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

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


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

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

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





Dollar amounts in thousands15.0RCON354815. Total trading liabilities (sum of items 13.a through 14) (must equal Schedule RC, item 15)......................................

M.1.1. Unpaid principal balance of loans measured at fair value (reported in Schedule RC-D, items 6.a.(1) through 6.d):

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

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

M.1.a.2.NRRCONF6262. Secured by farmland (including farm residential and other improvements)..................................................

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

M.1.a.3.a.NRRCONF627a. Revolving, open-end loans secured by 1-4 family residential properties and extended under lines ofcredit..........................................................................................................................................................

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

M.1.a.3.b.1.NRRCONF6281. Secured by first liens......................................................................................................................

M.1.a.3.b.2.NRRCONF6292. Secured by junior liens...................................................................................................................

M.1.a.4.NRRCONF6304. Secured by multifamily (5 or more) residential properties.............................................................................

M.1.a.5.NRRCONF6315. Secured by nonfarm nonresidential properties.............................................................................................

M.1.b.NRRCONF632b. Commercial and industrial loans..........................................................................................................................

M.1.c.c. Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans) (includespurchased paper):

M.1.c.1.NRRCONF6331. Credit cards...................................................................................................................................................

M.1.c.2.NRRCONF6342. Other revolving credit plans..........................................................................................................................

M.1.c.3.NRRCONK2003. Automobile loans...........................................................................................................................................

M.1.c.4.NRRCONK2114. Other consumer loans...................................................................................................................................

M.1.d.NRRCONF636d. Other loans...........................................................................................................................................................

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

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

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

M.3.3. Structured financial products by underlying collateral or reference assets (sum of Memorandum items 3.a through3.g must equal Schedule RC-D, sum of items 5.a.(1) through (3)):

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

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

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

M.3.d.NRRCONG334d. 1-4 family residential MBS issued or guaranteed by U.S. government-sponsored enterprises (GSEs)...............

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

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

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

M.4.4. Pledged trading assets:

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

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

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

5. Asset-backed securities:

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

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

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

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

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

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

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

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

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

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

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

M.9.9. Other trading assets (itemize and describe amounts included in Schedule RC-D, item 9, that are greater than

$1,000,000 and exceed 25% of the item):1

1. Exclude equity securities.




Dollar amounts in thousandsM.9.a.a. Disclose component and the dollar amount of that component:

M.9.a.1.TEXTF6551. Describe component.....................................................................................................................................

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

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

M.9.b.1.NRRCONF656(TEXTF656)

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

M.9.c.1.NRRCONF657(TEXTF657)

M.10.10. Other trading liabilities (itemize and describe amounts included in Schedule RC-D, item 13.b, that are greater than$1,000,000 and exceed 25% of the item):

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

M.10.a.1.TEXTF6581. Describe component.....................................................................................................................................

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

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

M.10.b.1.NRRCONF659(TEXTF659)


M.10.c.1.NRRCONF660(TEXTF660)




Schedule RC-E - Deposit Liabilities(Column C)

Nontransaction AccountsTotal nontransactionaccounts (including

MMDAs)

(Column B) TransactionAccounts Memo:Total

demand deposits(included in column A)

(Column A) TransactionAccounts Total transactionaccounts (including total

demand deposits)Dollar amounts in thousands

Deposits of:

1.588,118RCONB55061,562RCONB5491. Individuals, partnerships, and corporations (include all certified and officialchecks).............................................................................................................

2.0RCON25200RCON22022. U.S. Government..........................................................................................

3.5,600RCON25302,904RCON22033. States and political subdivisions in the U.S..................................................

4.24RCONB55292RCONB5514. Commercial banks and other depository institutions in the U.S...................

5.0RCON22360RCON22135. Banks in foreign countries............................................................................

6.0RCON23770RCON22166. Foreign governments and official institutions (including foreign centralbanks)...............................................................................................................

7.593,742RCON238549,378RCON221064,558RCON22157. Total (sum of items 1 through 6) (sum of columns A and C must equalSchedule RC, item 13.a)..................................................................................





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

M.1.a.6,491RCON6835a. Total Individual Retirement Accounts (IRAs) and Keogh Plan accounts..............................................................

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

M.1.c.0RCONHK05c. Brokered deposits of $250,000 or less (fully insured brokered deposits)2...........................................................

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

M.1.d.1.0RCONHK061. Brokered deposits of $250,000 or less with a remaining maturity of one year or less (included in Memorandumitem 1.c above).................................................................................................................................................

M.1.d.2.2. Not applicable

M.1.d.3.0RCONK2203. Brokered deposits of more than $250,000 with a remaining maturity of one year or less (included inMemorandum item 1.b above)..........................................................................................................................

M.1.e.NRRCON5590e. Preferred deposits (uninsured deposits of states and political subdivisions in the U.S. reported in item 3 abovewhich are secured or collateralized as required under state law) (to be completed for the December report only).

M.1.f.0RCONK223f. Estimated amount of deposits obtained through the use of deposit listing services that are not brokereddeposits....................................................................................................................................................................

M.2.2. Components of total nontransaction accounts (sum of Memorandum items 2.a through 2.d must equal item 7, columnC above):

M.2.a.a. Savings deposits:

M.2.a.1.240,188RCON68101. Money market deposit accounts (MMDAs)...................................................................................................

M.2.a.2.328,778RCON03522. Other savings deposits (excludes MMDAs)..................................................................................................

M.2.b.11,408RCON6648b. Total time deposits of less than $100,000............................................................................................................

M.2.c.9,838RCONJ473c. Total time deposits of $100,000 through $250,000...............................................................................................

M.2.d.3,530RCONJ474d. Total time deposits of more than $250,000...........................................................................................................

M.2.e.2,938RCONF233e. Individual Retirement Accounts (IRAs) and Keogh Plan accounts of $100,000 or more included in Memorandumitems 2.c and 2.d above...........................................................................................................................................

M.3.3. Maturity and repricing data for time deposits of $250,000 or less:

M.3.a.a. Time deposits of $250,000 or less with a remaining maturity or next repricing date of:1, 2

M.3.a.1.8,597RCONHK071. Three months or less....................................................................................................................................

M.3.a.2.8,518RCONHK082. Over three months through 12 months.........................................................................................................

M.3.a.3.2,343RCONHK093. Over one year through three years...............................................................................................................

M.3.a.4.1,788RCONHK104. Over three years...........................................................................................................................................

M.3.b.15,528RCONHK11b.Time deposits of $250,000 or less with a REMAINING MATURITY of one year or less (included in Memorandum

items 3.a.(1) and 3.a.(2) above)3.............................................................................................................................

M.4.4. Maturity and repricing data for time deposits of more than $250,000:

M.4.a.a. Time deposits of more than $250,000 with a remaining maturity or next repricing date of:1, 4

M.4.a.1.1,429RCONHK121. Three months or less....................................................................................................................................

M.4.a.2.1,850RCONHK132. Over three months through 12 months.........................................................................................................

M.4.a.3.250RCONHK143. Over one year through three years...............................................................................................................

M.4.a.4.0RCONHK154. Over three years...........................................................................................................................................

M.4.b.3,279RCONK222b. Time deposits of more than $250,000 with a REMAINING MATURITY of one year or less (included in

Memorandum items 4.a.(1) and 4.a.(2) above)3......................................................................................................

M.5.YesRCONP7525. Does your institution offer one or more consumer deposit account products, i.e., transaction account or nontransactionsavings account deposit products intended primarily for individuals for personal, household, or family use?................

M.6.

Memorandum items 6 and 7 are to be completed by institutions with $1 billion or more in total assets that answered "Yes" to Memorandumitem 5 above.

6. Components of total transaction account deposits of individuals, partnerships, and corporations (sum of Memorandumitems 6.a and 6.b must be less than or equal to item 1, column A, above):

M.6.a.NRRCONP753a.Total deposits in those noninterest-bearing transaction account deposit products intended primarily for individualsfor personal, household, or family use.....................................................................................................................

M.6.b.NRRCONP754b. Total deposits in those interest-bearing transaction account deposit products intended primarily for individualsfor personal, household, or family use.....................................................................................................................

2. The dollar amount used as the basis for reporting in Memorandum item 1.c reflects the deposit insurance limit in effect on the report date.

1, 2. Report fixed-rate time deposits by remaining maturity and floating rate time deposits by next repricing date.

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

1, 4. Report fixed-rate time deposits by remaining maturity and floating rate time deposits by next repricing date.

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





M.7.7. Components of total nontransaction account deposits of individuals, partnerships, and corporations (sum ofMemorandum items 7.a.(1), 7.a.(2), 7.b.(1), and 7.b.(2) plus all time deposits of individuals, partnerships, andcorporations must equal item 1, column C, above):

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

M.7.a.1.NRRCONP7561. Total deposits in those MMDA deposit products intended primarily for individuals for personal, household,or family use......................................................................................................................................................

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

M.7.b.b. Other savings deposit accounts of individuals, partnerships, and corporations (sum of Memorandum items7.b.(1) and 7.b.(2) must be less than or equal to Memorandum item 2.a.(2) above):

M.7.b.1.NRRCONP7581. Total deposits in those other savings deposit account deposit products intended primarily for individualsfor personal, household, or family use..............................................................................................................

M.7.b.2.NRRCONP7592. Deposits in all other savings deposit accounts of individuals, partnerships, and corporations.....................

Schedule RC-F - Other AssetsDollar amounts in thousands

1.2,730RCONB5561. Accrued interest receivable1........................................................................................................................................

2.2,967RCON21482. Net deferred tax assets2..............................................................................................................................................

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

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

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

4.4,119RCON17524. Equity investments without readily determinable fair values4......................................................................................

5.5. Life insurance assets:

5.a.12,721RCONK201a. General account life insurance assets..................................................................................................................

5.b.878RCONK202b. Separate account life insurance assets................................................................................................................

5.c.1,966RCONK270c. Hybrid account life insurance assets....................................................................................................................

6.2,520RCON21686. All other assets (itemize and describe amounts greater than $100,000 that exceed 25% of this item)......................

6.a.356RCON2166a. Prepaid expenses.................................................................................................................................................

6.b.NRRCON1578b. Repossessed personal property (including vehicles)...........................................................................................

6.c.NRRCONC010c. Derivatives with a positive fair value held for purposes other than trading...........................................................

6.d.NRRCONC436d. Retained interests in accrued interest receivable related to securitized credit cards...........................................

6.e.NRRCONJ448e. FDIC loss-sharing indemnification assets............................................................................................................

6.f.NRRCONFT33f. Computer software................................................................................................................................................

6.g.NRRCONFT34g. Accounts receivable.............................................................................................................................................

6.h.NRRCONFT35h. Receivables from foreclosed government-guaranteed mortgage loans...............................................................

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

6.i.1.TEXT35491. Describe component.....................................................................................................................................

6.i.2.NRRCON35492. Amount of component...................................................................................................................................

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

6.j.1.TEXT35501. Describe component.....................................................................................................................................

6.j.2.NRRCON35502. Amount of component...................................................................................................................................

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

6.k.1.TEXT35511. Describe component.....................................................................................................................................

6.k.2.NRRCON35512. Amount of component...................................................................................................................................

7.27,901RCON21607. Total (sum of items 1 through 6) (must equal Schedule RC, item 11).........................................................................

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

2. See discussion of deferred income taxes in Glossary entry on "income taxes."

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

4. Include Federal Reserve stock, Federal Home Loan Bank stock, and bankers' bank stock.




Schedule RC-G - Other LiabilitiesDollar amounts in thousands

1.1. Not available

1.a.3RCON3645a. Interest accrued and unpaid on deposits1............................................................................................................

1.b.5,602RCON3646b. Other expenses accrued and unpaid (includes accrued income taxes payable)..................................................

2.0RCON30492. Net deferred tax liabilities2...........................................................................................................................................

3.252RCONB5573. Allowance for credit losses on off-balance sheet credit exposures.............................................................................

4.2,049RCON29384. All other liabilities (itemize and describe amounts greater than $100,000 that exceed 25 percent of this item).........

4.a.NRRCON3066a. Accounts payable.................................................................................................................................................

4.b.230RCONC011b. Deferred compensation liabilities..........................................................................................................................

4.c.NRRCON2932c. Dividends declared but not yet payable................................................................................................................

4.d.NRRCONC012d. Derivatives with a negative fair value held for purposes other than trading.........................................................

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

4.e.1.LIHTCTEXT35521. Describe component.....................................................................................................................................

4.e.2.1,472RCON35522. Amount of component...................................................................................................................................

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

4.f.1.TEXT35531. Describe component.....................................................................................................................................

4.f.2.NRRCON35532. Amount of component...................................................................................................................................

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

4.g.1.TEXT35541. Describe component.....................................................................................................................................

4.g.2.NRRCON35542. Amount of component...................................................................................................................................

5.7,906RCON29305. Total.............................................................................................................................................................................

1. For savings banks, include "dividends" accrued and unpaid on deposits.

2. See discussion of deferred income taxes in Glossary entry on "income taxes."




Schedule RC-K - Quarterly AveragesDollar amounts in thousands

1.40,984RCON33811. Interest-bearing balances due from depository institutions.........................................................................................

2.280,779RCONB5582. U.S. Treasury securities and U.S. Government agency obligations (excluding mortgage-backed securities)2............

3.0RCONB5593. Mortgage-backed securities2.......................................................................................................................................

4.0RCONB5604. All other debt securities and equity securities with readily determinable fair values not held for trading purposes5....

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

6.6. Loans:

6.a.402,419RCON3360a. Total loans............................................................................................................................................................

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

6.b.1.46,422RCON34651. Loans secured by 1-4 family residential properties.......................................................................................

6.b.2.259,532RCON34662. All other loans secured by real estate...........................................................................................................

6.c.56,230RCON3387c. Commercial and industrial loans..........................................................................................................................

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

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

6.d.2.4,090RCONB5622. Other (includes revolving credit plans other than credit cards, automobile loans, and other consumerloans)................................................................................................................................................................

7.0RCON3401To be completed by banks with $100 million or more in total assets:

7. Trading assets..............................................................................................................................................................

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

9.776,121RCON33689. Total assets5................................................................................................................................................................

10.14,719RCON348510. Interest-bearing transaction accounts (interest-bearing demand deposits, NOW accounts, ATS accounts, andtelephone and preauthorized transfer accounts).............................................................................................................

11.11. Nontransaction accounts:

11.a.575,680RCONB563a. Savings deposits (includes MMDAs)....................................................................................................................

11.b.21,437RCONHK16b. Time deposits of $250,000 or less........................................................................................................................

11.c.4,431RCONHK17c. Time deposits of more than $250,000..................................................................................................................

12.35,514RCON335312. Federal funds purchased and securities sold under agreements to repurchase.......................................................

13.0RCON3355To be completed by banks with $100 million or more in total assets:

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

M.1.29,607RCON3386

Memorandum item 1 is to be completed by:• banks with $300 million or more in total assets, and• banks with less than $300 million in total assets that have loans to finance agricultural production and other loans to farmers (ScheduleRC-C, Part 1, item 3) exceeding 5 percent of total loans.

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

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

5. Item 4 is to be completed only by insured state banks that have adopted ASU 2016-01, which includes provisions governing the accounting for investments in equity securities, and have beenapproved to hold grandfathered equity investments. See instructions for further detail on ASU 2016-01.

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




Schedule RC-L - Derivatives and Off-Balance Sheet ItemsPlease 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 notnecessarily as measures of risk.


1.1. Unused commitments:

1.a.3,735RCON3814a. Revolving, open-end lines secured by 1-4 family residential properties, i.e., home equity lines..........................

1.a.1.NRRCONJ477Items 1.a.(1) and 1.a.(2) are to be completed for the December report only.

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

1.a.2.NRRCONJ4782. Unused commitments for proprietary reverse mortgages outstanding that are held for investment (includedin item 1.a above).............................................................................................................................................

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

1.b.1.0RCONJ455Items 1.b.(1) and 1.b.(2) are to be completed by banks with either $300 million or more in total assets or $300 million or morein credit card lines.1 (Sum of items 1.b.(1) and 1.b.(2) must equal item 1.b)

1. Unused consumer credit card lines...............................................................................................................

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

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

1.c.1.1. Secured by real estate:

1.c.1.a.1,638RCONF164a. 1-4 family residential construction loan commitments...........................................................................

1.c.1.b.21,415RCONF165b. Commercial real estate, other construction loan, and land development loan commitments................

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

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

1.e.e. Other unused commitments:

1.e.1.39,647RCONJ4571. Commercial and industrial loans...................................................................................................................

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

1.e.3.39,670RCONJ4593. All other unused commitments......................................................................................................................

2.314RCON38192. Financial standby letters of credit................................................................................................................................

2.a.NRRCON3820Item 2.a is to be completed by banks with $1 billion or more in total assets.

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

3.2,266RCON38213. Performance standby letters of credit..........................................................................................................................

3.a.NRRCON3822Item 3.a is to be completed by banks with $1 billion or more in total assets

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

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

5.5. Not applicable

6.6. Securities lent and borrowed:

6.a.0RCON3433a. Securities lent (including customers' securities lent where the customer is indemnified against loss by thereporting bank).........................................................................................................................................................

6.b.0RCON3432b. Securities borrowed..............................................................................................................................................

(Column B) PurchasedProtection

(Column A) Sold ProtectionDollar amounts in thousands

7.7. Credit derivatives:

7.a.a. Notional amounts:

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

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

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

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

7.b.b. Gross fair values:

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

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





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

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

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

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

7.c.2.2. All other positions:

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

7.c.2.b.0RCONG404b. Purchased protection that is recognized as a guarantee for regulatory capital purposes.............................

7.c.2.c.0RCONG405c. Purchased protection that is not recognized as a guarantee for regulatory capital purposes.......................

(Column C) RemainingMaturity of Over Five

Years

(Column B) RemainingMaturity of Over One Year

Through Five Years

(Column A) RemainingMaturity of One Year or

LessDollar amounts in thousands

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

7.d.1.1. Sold credit protection:2

7.d.1.a.0RCONG4080RCONG4070RCONG406a. Investment grade............................................................................

7.d.1.b.0RCONG4110RCONG4100RCONG409b. Subinvestment grade......................................................................

7.d.2.2. Purchased credit protection:3

7.d.2.a.0RCONG4140RCONG4130RCONG412a. Investment grade............................................................................

7.d.2.b.0RCONG4170RCONG4160RCONG415b. Subinvestment grade......................................................................





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

9.0RCON34309. All other off-balance sheet liabilities (exclude derivatives) (itemize and describe each component of this item over25% of Schedule RC, item 27.a, "Total bank equity capital")..........................................................................................

9.a.a. Not applicable

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

9.c.0RCONC978c. Standby letters of credit issued by another party (e.g., a Federal Home Loan Bank) on the bank's behalf.........

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

9.d.1.TEXT35551. Describe component.....................................................................................................................................

9.d.2.0RCON35552. Amount of component...................................................................................................................................


9.e.1.TEXT35561. Describe component.....................................................................................................................................

9.e.2.0RCON35562. Amount of component...................................................................................................................................

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

9.f.1.0RCON3557(TEXT3557)

10.0RCON559110. All other off-balance sheet assets (exclude derivatives) (itemize and describe each component of this item over25% of Schedule RC, item 27.a, "Total bank equity capital")..........................................................................................

10.a.0RCON3435a. Commitments to sell when-issued securities.......................................................................................................


10.b.1.TEXT55921. Describe component.....................................................................................................................................

10.b.2.0RCON55922. Amount of component...................................................................................................................................

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

10.c.1.TEXT55931. Describe component.....................................................................................................................................

10.c.2.0RCON55932. Amount of component...................................................................................................................................

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

10.d.1.TEXT55941. Describe component.....................................................................................................................................

10.d.2.0RCON55942. Amount of component...................................................................................................................................


10.e.1.TEXT55951. Describe component.....................................................................................................................................

10.e.2.0RCON55952. Amount of component...................................................................................................................................

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

11.a.0RCONC223a. Sales for which the reporting bank is the acquiring bank.....................................................................................

11.b.0RCONC224b. Sales for which the reporting bank is the agent bank with risk.............................................................................

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

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

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




(Column D)Commodity and Other

Contracts

(Column C) EquityDerivative Contracts

(Column B) ForeignExchange Contracts

(Column A) InterestRate Contracts


12.12. Gross amounts (e.g., notional amounts):

12.a.0RCON86960RCON86950RCON86940RCON8693a. Futures contracts.................................................................

12.b.0RCON87000RCON86990RCON86980RCON8697b. Forward contracts................................................................

12.c.c. Exchange-traded option contracts:

12.c.1.0RCON87040RCON87030RCON87020RCON87011. Written options.............................................................

12.c.2.0RCON87080RCON87070RCON87060RCON87052. Purchased options........................................................

12.d.d. Over-the-counter option contracts:

12.d.1.0RCON87120RCON87110RCON87100RCON87091. Written options.............................................................

12.d.2.0RCON87160RCON87150RCON87140RCON87132. Purchased options........................................................

12.e.0RCON87200RCON87190RCON38260RCON3450e. Swaps..................................................................................

13.0RCON87240RCON87230RCONA1270RCONA12613. Total gross notional amount of derivative contracts held fortrading.............................................................................................

14.0RCON87280RCON87270RCON87260RCON872514. Total gross notional amount of derivative contracts held forpurposes other than trading............................................................

14.a.0RCONA589a. Interest rate swaps where the bank has agreed to pay afixed rate..................................................................................

15.15. Gross fair values of derivative contracts:

15.a.a. Contracts held for trading:

15.a.1.0RCON87360RCON87350RCON87340RCON87331. Gross positive fair value...............................................

15.a.2.0RCON87400RCON87390RCON87380RCON87372. Gross negative fair value..............................................

15.b.b. Contracts held for purposes other than trading:

15.b.1.0RCON87440RCON87430RCON87420RCON87411. Gross positive fair value...............................................

15.b.2.0RCON87480RCON87470RCON87460RCON87452. Gross negative fair value..............................................

(Column E)Corporationsand All Other

Counterparties

(Column D)Sovereign

Governments

(Column C)Hedge Funds

(Column B)MonolineFinancial

Guarantors

(Column A)Banks and

Securities FirmsDollar amounts in thousands

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

16. Over-the counter derivatives:

16.a.RCONG422

NRRCONG421

NRRCONG420

NRRCONG419

NRRCONG418

NRa. Net current credit exposure........................................................

16.b.b. Fair value of collateral:

16.b.1.RCONG427

NRRCONG426

NRRCONG425

NRRCONG424

NRRCONG423

NR1. Cash - U.S. dollar................................................................

16.b.2.RCONG432

NRRCONG431

NRRCONG430

NRRCONG429

NRRCONG428

NR2. Cash - Other currencies......................................................

16.b.3.RCONG437

NRRCONG436

NRRCONG435

NRRCONG434

NRRCONG433

NR3. U.S. Treasury securities.......................................................

16.b.4.RCONG442NR

RCONG441NR

RCONG440NR

RCONG439NR

RCONG438NR

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

16.b.5.RCONG447

NRRCONG446

NRRCONG445

NRRCONG444

NRRCONG443

NR5. Corporate bonds.................................................................

16.b.6.RCONG452

NRRCONG451

NRRCONG450

NRRCONG449

NRRCONG448

NR6. Equity securities..................................................................

16.b.7.RCONG457

NRRCONG456

NRRCONG455

NRRCONG454

NRRCONG453

NR7. All other collateral................................................................

16.b.8.RCONG462NR

RCONG461NR

RCONG460NR

RCONG459NR

RCONG458NR

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




Schedule RC-M - MemorandaDollar amounts in thousands

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

1.a.4,893RCON6164a. Aggregate amount of all extensions of credit to all executive officers, directors, principal shareholders, and theirrelated interests........................................................................................................................................................

1.b.4RCON6165b. Number of executive officers, directors, and principal shareholders to whom the amount of all extensions ofcredit by the reporting bank (including extensions of credit to related interests) equals or exceeds the lesser of$500,000 or 5 percent of total capital as defined for this purpose in agency regulations........................................

2.2. Intangible assets other than goodwill:

2.a.0RCON3164a. Mortgage servicing assets...................................................................................................................................

2.a.1.0RCONA5901. Estimated fair value of mortgage servicing assets........................................................................................

2.b.0RCONB026b. Purchased credit card relationships and nonmortgage servicing assets.............................................................

2.c.0RCON5507c. All other identifiable intangible assets..................................................................................................................

2.d.0RCON0426d. Total (sum of items 2.a, 2.b, and 2.c) (must equal Schedule RC, item 10.b)........................................................

3.3. Other real estate owned:

3.a.0RCON5508a. Construction, land development, and other land..................................................................................................

3.b.0RCON5509b. Farmland..............................................................................................................................................................

3.c.823RCON5510c. 1-4 family residential properties............................................................................................................................

3.d.0RCON5511d. Multifamily (5 or more) residential properties.......................................................................................................

3.e.0RCON5512e. Nonfarm nonresidential properties.......................................................................................................................

3.f.0RCONC979f. Foreclosed properties from "GNMA loans"...........................................................................................................

3.g.823RCON2150g. Total (sum of items 3.a through 3.f) (must equal Schedule RC, item 7)...............................................................

4.NRRCONJA294. Cost of equity securities with readily determinable fair values not held for trading......................................................

5.5. Other borrowed money:

5.a.a. Federal Home Loan Bank advances:

5.a.1.1. Advances with a remaining maturity or next repricing date of:1

5.a.1.a.0RCONF055a. One year or less....................................................................................................................................

5.a.1.b.0RCONF056b. Over one year through three years........................................................................................................

5.a.1.c.0RCONF057c. Over three years through five years.......................................................................................................

5.a.1.d.0RCONF058d. Over five years.......................................................................................................................................

5.a.2.0RCON26512. Advances with a remaining maturity of one year or less (included in item 5.a.(1)(a) above)2......................

5.a.3.0RCONF0593. Structured advances (included in items 5.a.(1)(a) - (d) above).....................................................................

5.b.b. Other borrowings:

5.b.1.1. Other borrowings with a remaining maturity of next repricing date of:3

5.b.1.a.0RCONF060a. One year or less....................................................................................................................................

5.b.1.b.0RCONF061b. Over one year through three years........................................................................................................

5.b.1.c.0RCONF062c. Over three years through five years.......................................................................................................

5.b.1.d.0RCONF063d. Over five years.......................................................................................................................................

5.b.2.0RCONB5712. Other borrowings with a remaining maturity of one year or less (included in item 5.b.(1)(a) above)4...........

5.c.0RCON3190c. Total (sum of items 5.a.(1)(a)-(d) and items 5.b.(1)(a)-(d)) (must equal Schedule RC, item 16)..........................

6.NoRCONB5696. Does the reporting bank sell private label or third party mutual funds and annuities?................................................

7.0RCONB5707. Assets under the reporting bank's management in proprietary mutual funds and annuities.......................................

8.8. Internet Web site addresses and physical office trade names:

8.a.Click here for valueTEXT4087a. Uniform Resource Locator (URL) of the reporting institution's primary Internet Web site (home page), if any(Example: www.examplebank.com):........................................................................................................................

8.b.b. URLs of all other public-facing Internet Web sites that the reporting institution uses to accept or solicit deposits

from the public, if any (Example: www.examplebank.biz):1

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

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

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

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

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




Dollar amounts in thousands8.b.1.NRTE01N5281. URL 1............................................................................................................................................................

8.b.2.NRTE02N5282. URL 2............................................................................................................................................................

8.b.3.NRTE03N5283. URL 3............................................................................................................................................................

8.b.4.NRTE04N5284. URL 4............................................................................................................................................................

8.b.5.NRTE05N5285. URL 5............................................................................................................................................................

8.b.6.NRTE06N5286. URL 6............................................................................................................................................................

8.b.7.NRTE07N5287. URL 7............................................................................................................................................................

8.b.8.NRTE08N5288. URL 8............................................................................................................................................................

8.b.9.NRTE09N5289. URL 9............................................................................................................................................................

8.b.10.NRTE10N52810. URL 10........................................................................................................................................................

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

8.c.1.NRTE01N5291. Trade name 1................................................................................................................................................






9.YesRCON40889. Do any of the bank's Internet Web sites have transactional capability, i.e., allow the bank's customers to executetransactions on their accounts through the Web site?.....................................................................................................

10.10. Secured liabilities:

10.a.0RCONF064a. Amount of "Federal funds purchased" that are secured (included in Schedule RC, item 14.a)...........................

10.b.0RCONF065b. Amount of "Other borrowings" that are secured (included in Schedule RC-M, items 5.b.(1)(a) - (d))..................

11.YesRCONG46311. Does the bank act as trustee or custodian for Individual Retirement Accounts, Health Savings Accounts, and othersimilar accounts?.............................................................................................................................................................

12.NoRCONG46412. Does the bank provide custody, safekeeping, or other services involving the acceptance of orders for the sale orpurchase of securities?...................................................................................................................................................

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

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

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

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

13.a.1.a.1.0RCONK1691. 1-4 family residential construction loans.........................................................................................

13.a.1.a.2.0RCONK1702. Other construction loans and all land development and other land loans......................................

13.a.1.b.0RCONK171b. Secured by farmland..............................................................................................................................

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

13.a.1.c.1.0RCONK1721. Revolving, open-end loans secured by 1-4 family residential properties and extended under linesof credit..............................................................................................................................................

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

13.a.1.c.2.a.0RCONK173a. Secured by first liens...............................................................................................................

13.a.1.c.2.b.0RCONK174b. Secured by junior liens............................................................................................................

13.a.1.d.0RCONK175d. Secured by multifamily (5 or more) residential properties.....................................................................

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

13.a.1.e.1.0RCONK1761. Loans secured by owner-occupied nonfarm nonresidential properties..........................................

13.a.1.e.2.0RCONK1772. Loans secured by other nonfarm nonresidential properties...........................................................




13.a.5.0RCONK1835. All other loans and all leases........................................................................................................................

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

13.b.1.0RCONK1871. Construction, land development, and other land...........................................................................................

13.b.2.0RCONK1882. Farmland.......................................................................................................................................................

13.b.3.0RCONK1893. 1-4 family residential properties....................................................................................................................

13.b.4.0RCONK1904. Multifamily (5 or more) residential properties................................................................................................

13.b.5.0RCONK1915. Nonfarm nonresidential properties................................................................................................................




Dollar amounts in thousands13.b.6.6. Not applicable

13.b.7.0RCONK1927. Portion of covered other real estate owned included in items 13.b.(1) through (5) above that is protectedby FDIC loss-sharing agreements....................................................................................................................

13.c.0RCONJ461c. Debt securities (included in Schedule RC, items 2.a and 2.b).............................................................................

13.d.0RCONJ462d. Other assets (exclude FDIC loss-sharing indemnification assets).......................................................................

14.14. Captive insurance and reinsurance subsidiaries:

14.a.0RCONK193a. Total assets of captive insurance subsidiaries1....................................................................................................

14.b.0RCONK194b. Total assets of captive reinsurance subsidiaries1.................................................................................................

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

15. Qualified Thrift Lender (QTL) test:

15.a.NRRCONL133a. Does the institution use the Home Owners' Loan Act (HOLA) QTL test or the Internal Revenue Service DomesticBuilding and Loan Association (IRS DBLA) test to determine its QTL compliance? (for the HOLA QTL test, enter1; for the IRS DBLA test, enter 2).............................................................................................................................

15.b.NRRCONL135b. Has the institution been in compliance with the HOLA QTL test as of each month end during the quarter or theIRS DBLA test for its most recent taxable year, as applicable?...............................................................................

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

16. International remittance transfers offered to consumers:

16.a.a. As of the report date, did your institution offer to consumers in any state any of the following mechanisms forsending international remittance transfers?

16.a.1.NRRCONN5171. International wire transfers............................................................................................................................

16.a.2.NRRCONN5182. International ACH transactions.....................................................................................................................

16.a.3.NRRCONN5193. Other proprietary services operated by your institution................................................................................

16.a.4.NRRCONN5204. Other proprietary services operated by another party..................................................................................

16.b.NRRCONN521b. Did your institution provide more than 100 international remittance transfers in the previous calendar year ordoes your institution estimate that it will provide more than 100 international remittance transfers in the currentcalendar year?.........................................................................................................................................................

16.c.NRRCONN522

Items 16.c and 16.d are to be completed by institutions that answered “Yes” to item 16.b in the current report or, if item 16.b is notrequired to be completed in the current report, in the most recent prior report in which item 16.b was required to be completed.

c. Indicate which of the mechanisms described in items 16.a.(1), (2), and (3) above is the mechanism that yourinstitution estimates accounted for the largest number of international remittance transfers your institution providedduring the two calendar quarters ending on the report date. (For international wire transfers, enter 1; for internationalACH transactions, enter 2; for other proprietary services operated by your institution, enter 3. If your institutiondid not provide any international remittance transfers using the mechanisms described in items 16.a.(1), (2), and(3) above during the two calendar quarters ending on the report date, enter 0.).....................................................

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

16.d.1.NRRCONN5231. Estimated number of international remittance transfers................................................................................

16.d.2.NRRCONN5242. Estimated dollar value of international remittance transfers.........................................................................

16.d.3.NRRCONN5273. Estimated number of international remittance transfers for which your institution applied the temporaryexception...........................................................................................................................................................

(TEXT4087) www.citizensEbank.com

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




Schedule RC-N - Past Due and Nonaccrual Loans Leases and Other AssetsAmounts reported in Schedule RC-N, items 1 through 8, include guaranteed and unguaranteed portions of past due and nonaccrual loans and leases. Report in items 10and 11 below certain guaranteed loans and leases that have already been included in the amounts reported in items 1 through 8

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

accruing

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

accruingDollar amounts in thousands



1.a.1.0RCONF1760RCONF1740RCONF1721. 1-4 family residential construction loans........................................

1.a.2.0RCONF1770RCONF1750RCONF1732. Other construction loans and all land development and other landloans..................................................................................................

1.b.0RCON34950RCON349418RCON3493b. Secured by farmland..............................................................................


1.c.1.0RCON54000RCON53990RCON53981. Revolving, open-end loans secured by 1-4 family residentialproperties and extended under lines of credit....................................


1.c.2.a.0RCONC2290RCONC2370RCONC236a. Secured by first liens...............................................................

1.c.2.b.0RCONC2300RCONC2390RCONC238b. Secured by junior liens............................................................

1.d.0RCON35010RCON35000RCON3499d. Secured by multifamily (5 or more) residential properties.....................


1.e.1.0RCONF1820RCONF1800RCONF1781. Loans secured by owner-occupied nonfarm nonresidentialproperties...........................................................................................

1.e.2.0RCONF1830RCONF1810RCONF1792. Loans secured by other nonfarm nonresidential properties...........

2.0RCONB8360RCONB8350RCONB8342. Loans to depository institutions and acceptances of other banks................

3.3. Not applicable

4.304RCON16080RCON160742RCON16064. Commercial and industrial loans...................................................................

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

5.a.0RCONB5770RCONB5760RCONB575a. Credit cards...........................................................................................

5.b.0RCONK2150RCONK2140RCONK213b. Automobile loans...................................................................................

5.c.0RCONK2180RCONK2170RCONK216c. Other (includes revolving credit plans other than credit cards and otherconsumer loans)........................................................................................

6.6. Not applicable

7.2,346RCON54610RCON54600RCON54597. All other loans1.............................................................................................

8.0RCON12280RCON12270RCON12268. Lease financing receivables..........................................................................

9.2,650RCON14030RCON140760RCON14069. Total loans and leases (sum of items 1 through 8).......................................

10.0RCON35070RCON35060RCON350510. Debt securities and other assets (exclude other real estate owned andother repossessed assets)...............................................................................

11.0RCONK0380RCONK0370RCONK03611. Loans and leases reported in items 1 through 8 above that are wholly orpartially guaranteed by the U.S. Government, excluding loans and leasescovered by loss-sharing agreements with the FDIC:........................................

11.a.0RCONK0410RCONK0400RCONK039a. Guaranteed portion of loans and leases included in item 11 above,excluding rebooked "GNMA loans"...........................................................

11.b.0RCONK0440RCONK0430RCONK042b. Rebooked "GNMA loans" that have been repurchased or are eligiblefor repurchase included in item 11 above..................................................

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

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

12.a.1.1. Construction, land development, and other land loans:

12.a.1.a.0RCONK0470RCONK0460RCONK045a. 1-4 family residential construction loans.................................

12.a.1.b.0RCONK0500RCONK0490RCONK048b. Other construction loans and all land development and otherland loans...................................................................................

12.a.2.0RCONK0530RCONK0520RCONK0512. Secured by farmland......................................................................

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

12.a.3.a.0RCONK0560RCONK0550RCONK054a. Revolving, open-end loans secured by 1-4 family residentialproperties and extended under lines of credit............................

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

1. Includes past due and nonaccrual "Loans to finance agricultural productions and other loans to farmers," "Obligations (other than securities and leases) of states and political subdivisions inthe U.S.," and "Loans to nondepository financial institutions and other loans."





accruing


accruingDollar amounts in thousands12.a.3.b.1.0RCONK0590RCONK0580RCONK0571. Secured by first liens.......................................................

12.a.3.b.2.0RCONK0620RCONK0610RCONK0602. Secured by junior liens....................................................

12.a.4.0RCONK0650RCONK0640RCONK0634. Secured by multifamily (5 or more) residential properties..............

12.a.5.5. Secured by nonfarm nonresidential properties:

12.a.5.a.0RCONK0680RCONK0670RCONK066a. Loans secured by owner-occupied nonfarm nonresidentialproperties....................................................................................

12.a.5.b.0RCONK0710RCONK0700RCONK069b. Loans secured by other nonfarm nonresidential properties.....

12.b.b. Not applicable

12.c.c. Not applicable

12.d.d. Not applicable

12.e.0RCONK0890RCONK0880RCONK087e. All other loans and all leases.................................................................

12.f.0RCONK1040RCONK1030RCONK102f. Portion of covered loans and leases included in items 12.a through 12.eabove that is protected by FDIC loss-sharing agreements.......................

M.1.1. Loans restructured in troubled debt restructurings included in ScheduleRC-N, items 1 through 7, above (and not reported in Schedule RC-C, Part 1,Memorandum item 1):

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

M.1.a.1.0RCONK1070RCONK1060RCONK1051. 1-4 family residential construction loans........................................

M.1.a.2.0RCONK1100RCONK1090RCONK1082. Other construction loans and all land development and other landloans..................................................................................................

M.1.b.0RCONF6630RCONF6620RCONF661b. Loans secured by 1-4 family residential properties...............................

M.1.c.0RCONK1130RCONK1120RCONK111c. Secured by multifamily (5 or more) residential properties.....................

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

M.1.d.1.0RCONK1160RCONK1150RCONK1141. Loans secured by owner-occupied nonfarm nonresidentialproperties...........................................................................................

M.1.d.2.0RCONK1190RCONK1180RCONK1172. Loans secured by other nonfarm nonresidential properties...........

M.1.e.0RCONK2590RCONK2580RCONK257e. Commercial and industrial loans...........................................................

M.1.e.1.0RCONK1220RCONK1210RCONK120

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

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

M.1.e.2.0RCONK1250RCONK1240RCONK1232. To non-U.S. addressees (domicile).................................................

M.1.f.0RCONK1280RCONK1270RCONK126f. All other loans (include loans to individuals for household, family, andother personal expenditures).....................................................................

M.1.f.1.0RCONK1320RCONK1310RCONK130

Itemize loan categories included in Memorandum item 1.f, above that exceed10 percent of total loans restructured in troubled debt restructurings that are pastdue 30 days or more or in nonaccrual status (sum of Memorandum items 1.athrough 1.e plus 1.f, columns A through C):

1. Loans secured by farmland............................................................



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

M.1.f.4.a.0RCONK2760RCONK2750RCONK274a. Credit cards.............................................................................

M.1.f.4.b.0RCONK2790RCONK2780RCONK277b. Automobile loans.....................................................................

M.1.f.4.c.0RCONK2820RCONK2810RCONK280c. Other (includes revolving credit plans other than credit cardsand other consumer loans).........................................................

M.1.f.5.0RCONK1400RCONK1390RCONK138

Memorandum item 1.f.(6)(a) is to be completed by:• Banks with $300 million or more in total assets• Banks with less than $300 million in total assets that have loans to financeagricultural production and other loans to farmers (Schedule RC-C, Part I, item3) exceeding 5 percent of total loans

5. Loans to finance agricultural production and other loans to farmersincluded in Schedule RC-N, Memorandum item 1.f, above...............

M.1.g.0RCONHK280RCONHK270RCONHK26

g. Total loans restructured in troubled debt restructurings included inSchedule RC-N, items 1 through 7, above and not reported in ScheduleRC-C, Part I, Memorandum item 1 (sum of items Memorandum item 1.a.(1)

through Memorandum item 1.f)2...............................................................

2. Exclude amounts reported in Memorandum items 1.f.(1) through 1.f.(5) when calculating the total in Memorandum item 1.g.





accruing



M.2.0RCON65600RCON65590RCON65582. Loans to finance commercial real estate, construction, and land developmentactivities (not secured by real estate) included in Schedule RC-N, items 4 and7, above............................................................................................................

M.3.3. Not available

M.3.a.0RCON12500RCON12490RCON1248

Memorandum items 3.a through 3.d are to be completed by banks with $300 millionor more in total assets:

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

M.3.b.0RCON53820RCON53810RCON5380b. Loans to and acceptances of foreign banks (included in Schedule RC-N,item 2, above)............................................................................................

M.3.c.0RCON12560RCON12550RCON1254c. Commercial and industrial loans to non-U.S. addressees (domicile)(included in Schedule RC-N, item 4, above).............................................

M.3.d.0RCONF1680RCONF1670RCONF166d. Leases to individuals for household, family, and other personalexpenditures (included in Schedule RC-N, item 8, above)........................

M.4.2,346RCON15830RCON15970RCON1594

Memorandum item 4 is to be completed by:• banks with $300 million or more in total assets• banks with less than $300 million in total assets that have loans to finance agriculturalproduction and other loans to farmers (Schedule RC-C, Part I, item 3) exceeding 5 percentof total loans:

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

M.5.5. Loans and leases held for sale and loans measured at fair value (includedin Schedule RC-N, items 1 through 8, above):

M.5.a.0RCONC2260RCONC2410RCONC240a. Loans and leases held for sale..............................................................

M.5.b.b. Loans measured at fair value:

M.5.b.1.0RCONF6660RCONF6650RCONF6641. Fair value........................................................................................

M.5.b.2.0RCONF6690RCONF6680RCONF6672. Unpaid principal balance................................................................




M.7.0RCONC4107. Additions to nonaccrual assets during the quarter......................................................................................................

M.8.0RCONC4118. Nonaccrual assets sold during the quarter..................................................................................................................


accruing



M.9.9. Purchased credit-impaired loans accounted for in accordance with FASBASC 310-30 (former AICPA Statement of Position 03-3):

M.9.a.0RCONL1850RCONL1840RCONL183a. Outstanding balance.............................................................................

M.9.b.0RCONL1880RCONL1870RCONL186b. Amount included in Schedule RC-N, items 1 through 7, above.............




Schedule RC-O - Other Data for Deposit Insurance and FICO AssessmentsAll FDIC-insured depository institutions must complete items 1 and 2, 4 through 9,10, and 11, Memorandum item 1, and, if applicable, item 9.a, Memorandum items 2, 3,and 6 through 18 each quarter. Unless otherwise indicated, complete items 1 through 11 and Memorandum items 1 through 3 on an "unconsolidated single FDIC certificatenumber basis" (see instructions) and complete Memorandum items 6 through 18 on a fully consolidated basis.


1.658,304RCONF2361. Total deposit liabilities before exclusions (gross) as defined in Section 3(l) of the Federal Deposit Insurance Act andFDIC regulations.............................................................................................................................................................

2.0RCONF2372. Total allowable exclusions, including interest accrued and unpaid on allowable exclusions........................................

3.3. Not applicable

4.772,687RCONK6524. Average consolidated total assets for the calendar quarter.........................................................................................

4.a.1RCONK653a. Averaging method used (for daily averaging, enter 1; for weekly averaging, enter 2)..........................................

5.72,860RCONK6545. Average tangible equity for the calendar quarter1.......................................................................................................

6.0RCONK6556. Holdings of long-term unsecured debt issued by other FDIC-insured depository institutions.....................................

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

7.a.0RCONG465a. One year or less...................................................................................................................................................

7.b.0RCONG466b. Over one year through three years.......................................................................................................................

7.c.0RCONG467c. Over three years through five years.....................................................................................................................

7.d.0RCONG468d. Over five years.....................................................................................................................................................

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

8.a.0RCONG469a. One year or less...................................................................................................................................................

8.b.0RCONG470b. Over one year through three years.......................................................................................................................

8.c.0RCONG471c. Over three years through five years.....................................................................................................................

8.d.0RCONG472d. Over five years.....................................................................................................................................................

9.0RCONG8039. Reciprocal brokered deposits (included in Schedule RC-E, part I, Memorandum item 1.b).......................................

9.a.NRRCONL190Item 9.a is to be completed on a fully consolidated basis by all institutions that own another insured depository institution.

a. Fully consolidated reciprocal brokered deposits..................................................................................................

10.NoRCONK65610. Banker's bank certification: Does the reporting institution meet both the statutory definition of a banker's bank andthe business conduct test set forth in FDIC regulations? If the answer to item 10 is "YES," complete items 10.a and10.b..................................................................................................................................................................................

10.a.NRRCONK657If the answer to item 10 is "YES," complete items 10.a and 10.b.

a. Banker's bank deduction......................................................................................................................................

10.b.NRRCONK658b. Banker's bank deduction limit...............................................................................................................................

11.NoRCONK65911. Custodial bank certification: Does the reporting institution meet the definition of a custodial bank set forth in FDICregulations? If the answer to item 11 is "YES," complete items 11.a and 11.b...............................................................

11.a.NRRCONK660If the answer to item 11 is "YES," complete items 11.a and 11.b.

a. Custodial bank deduction.....................................................................................................................................

11.b.NRRCONK661b. Custodial bank deduction limit..............................................................................................................................

M.1.1.Total deposit liabilities of the bank (including related interest accrued and unpaid) less allowable exclusions (includingrelated interest accrued and unpaid) (sum of Memorandum items 1.a.(1), 1.b.(1), 1.c.(1), and 1.d.(1) must equalSchedule RC-O, item 1 less item 2):

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

M.1.a.1.337,721RCONF0491. Amount of deposit accounts (excluding retirement accounts) of $250,000 or less.......................................

M.1.a.2.17608RCONF0502. Number of deposit accounts (excluding retirement accounts) of $250,000 or less.......................................

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

M.1.b.1.314,092RCONF0511. Amount of deposit accounts (excluding retirement accounts) of more than $250,000.................................

M.1.b.2.431RCONF0522. Number of deposit accounts (excluding retirement accounts) of more than $250,000.................................

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

M.1.c.1.6,092RCONF0451. Amount of retirement deposit accounts of $250,000 or less.........................................................................

M.1.c.2.341RCONF0462. Number of retirement deposit accounts of $250,000 or less........................................................................

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

M.1.d.1.399RCONF0471. Amount of retirement deposit accounts of more than $250,000...................................................................

M.1.d.2.1RCONF0482. Number of retirement deposit accounts of more than $250,000...................................................................

1. See instructions for averaging methods. For deposit insurance assessment purposes, tangible equity is defined as Tier 1 capital as set forth in the banking agencies' regulatory capital standardsand reported in Schedule RC-R, Part I, item 26, except as described in the instructions.

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





M.2.NRRCON5597Memorandum item 2 is to be completed by banks with $1 billion or more in total assets.

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

M.3.3. Has the reporting institution been consolidated with a parent bank or savings association in that parent bank's orparent savings association's Call Report? If so, report the legal title and FDIC Certificate Number of the parent bankor parent savings association:

M.3.a.TEXTA545a. Legal title..............................................................................................................................................................

M.3.b.0RCONA545b. FDIC Certificate Number......................................................................................................................................



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

6. Criticized and classified items:

M.6.a.CONFRCONK663a. Special mention....................................................................................................................................................

M.6.b.CONFRCONK664b. Substandard.........................................................................................................................................................

M.6.c.CONFRCONK665c. Doubtful................................................................................................................................................................

M.6.d.CONFRCONK666d. Loss......................................................................................................................................................................

M.7.7. "Nontraditional 1-4 family residential mortgage loans" as defined for assessment purposes only in FDIC regulations:

M.7.a.CONFRCONN025a. Nontraditional 1-4 family residential mortgage loans...........................................................................................

M.7.b.CONFRCONN026b. Securitizations of nontraditional 1-4 family residential mortgage loans................................................................

M.8.8. "Higher-risk consumer loans" as defined for assessment purposes only in FDIC regulations:

M.8.a.CONFRCONN027a. Higher-risk consumer loans.................................................................................................................................

M.8.b.CONFRCONN028b. Securitizations of higher-risk consumer loans......................................................................................................

M.9.9. "Higher-risk commercial and industrial loans and securities" as defined for assessment purposes only in FDICregulations:

M.9.a.CONFRCONN029a. Higher-risk commercial and industrial loans and securities.................................................................................

M.9.b.CONFRCONN030b. Securitizations of higher-risk commercial and industrial loans and securities.....................................................

M.10.10. Commitments to fund construction, land development, and other land loans secured by real estate:

M.10.a.NRRCONK676a. Total unfunded commitments................................................................................................................................

M.10.b.NRRCONK677b. Portion of unfunded commitments guaranteed or insured by the U.S. government (including the FDIC)............

M.11.NRRCONK66911. Amount of other real estate owned recoverable from the U.S. government under guarantee or insurance provisions(excluding FDIC loss-sharing agreements).....................................................................................................................

M.12.NRRCONK67812. Nonbrokered time deposits of more than $250,000 (included in Schedule RC-E, Memorandum item 2.d)..............

M.13.

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

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

M.13.a.NRRCONN177a. Construction, land development, and other land loans secured by real estate....................................................

M.13.b.NRRCONN178b. Loans secured by multifamily residential and nonfarm nonresidential properties................................................

M.13.c.NRRCONN179c. Closed-end loans secured by first liens on 1-4 family residential properties........................................................

M.13.d.NRRCONN180d. Closed-end loans secured by junior liens on 1-4 family residential properties and revolving, open-end loanssecured by 1-4 family residential properties and extended under lines of credit.....................................................

M.13.e.NRRCONN181e. Commercial and industrial loans..........................................................................................................................

M.13.f.NRRCONN182f. Credit card loans to individuals for household, family, and other personal expenditures......................................

M.13.g.NRRCONN183g. All other loans to individuals for household, family, and other personal expenditures..........................................

M.13.h.NRRCONM963h. Non-agency residential mortgage-backed securities...........................................................................................

M.14.CONFRCONK673Memorandum items 14 and 15 are to be completed by "highly complex institutions" as defined in FDIC regulations.

14. Amount of the institution's largest counterparty exposure.........................................................................................

M.15.CONFRCONK67415. Total amount of the institution's 20 largest counterparty exposures..........................................................................

M.16.NRRCONL189

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

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

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

17. Selected fully consolidated data for deposit insurance assessment purposes:

M.17.a.NRRCONL194a. Total deposit liabilities before exclusions (gross) as defined in Section 3(l) of the Federal Deposit InsuranceAct and FDIC regulations.........................................................................................................................................

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




Dollar amounts in thousandsM.17.b.NRRCONL195b. Total allowable exclusions, including interest accrued and unpaid on allowable exclusions................................

M.17.c.NRRCONL196c. Unsecured "Other borrowings" with a remaining maturity of one year or less.....................................................

M.17.d.NRRCONL197d. Estimated amount of uninsured deposits, including related interest accrued and unpaid....................................




(ColumnO) PDsWere

DerivedUsing

(ColumnN)

Two-YearProbabilityof Default(PD) Total

(ColumnM)

Two-YearProbabilityof Default

(PD)Unscoreable

(ColumnL)


(PD) >30%

(ColumnK)


(PD)26.01–30%

(ColumnJ)


(PD)22.01–26%

(Column I)Two-YearProbabilityof Default

(PD)20.01–22%

(ColumnH)


(PD)18.01–20%

(ColumnG)


(PD)16.01–18%

(ColumnF)


(PD)14.01–16%

(ColumnE)


(PD)10.01–14%

(ColumnD)


(PD)7.01–10%

(ColumnC)


(PD)4.01–7%

(ColumnB)


(PD)1.01–4%

(ColumnA)

Two-YearProbabilityof Default(PD) <=

1%Dollar amounts in thousands

M.18.

18. Outstanding balance of 1-4 familyresidential mortgage loans, consumer loans,and consumer leases by two-year probabilityof default:

M.18.a.RCONM978

CONFRCONM977

CONFRCONM976

CONFRCONM975

CONFRCONM974

CONFRCONM973

CONFRCONM972

CONFRCONM971

CONFRCONM970

CONFRCONM969

CONFRCONM968

CONFRCONM967

CONFRCONM966

CONFRCONM965

CONFRCONM964

CONF

a. "Nontraditional 1-4 family residentialmortgage loans" as defined forassessment purposes only in FDICregulations..............................................

M.18.b.RCONM993CONF

RCONM992CONF

RCONM991CONF

RCONM990CONF

RCONM989CONF

RCONM988CONF

RCONM987CONF

RCONM986CONF

RCONM985CONF

RCONM984CONF

RCONM983CONF

RCONM982CONF

RCONM981CONF

RCONM980CONF

RCONM979CONF

b. Closed-end loans secured by first lienson 1-4 family residential properties........

M.18.c.RCONN009CONF

RCONN008CONF

RCONN007CONF

RCONN006CONF

RCONN005CONF

RCONN004CONF

RCONN003CONF

RCONN002CONF

RCONN001CONF

RCONM999CONF

RCONM998CONF

RCONM997CONF

RCONM996CONF

RCONM995CONF

RCONM994CONF

c. Closed-end loans secured by juniorliens on 1-4 family residentialproperties...............................................

M.18.d.RCONN024CONF

RCONN023CONF

RCONN022CONF

RCONN021CONF

RCONN020CONF

RCONN019CONF

RCONN018CONF

RCONN017CONF

RCONN016CONF

RCONN015CONF

RCONN014CONF

RCONN013CONF

RCONN012CONF

RCONN011CONF

RCONN010CONF

d. Revolving, open-end loans secured by1-4 family residential properties andextended under lines of credit................

M.18.e.RCONN054

CONFRCONN053

CONFRCONN052

CONFRCONN051

CONFRCONN050

CONFRCONN049

CONFRCONN048

CONFRCONN047

CONFRCONN046

CONFRCONN045

CONFRCONN044

CONFRCONN043

CONFRCONN042

CONFRCONN041

CONFRCONN040

CONFe. Credit cards........................................

M.18.f.RCONN069

CONFRCONN068

CONFRCONN067

CONFRCONN066

CONFRCONN065

CONFRCONN064

CONFRCONN063

CONFRCONN062

CONFRCONN061

CONFRCONN060

CONFRCONN059

CONFRCONN058

CONFRCONN057

CONFRCONN056

CONFRCONN055

CONFf. Automobile loans.................................

M.18.g.RCONN084

CONFRCONN083

CONFRCONN082

CONFRCONN081

CONFRCONN080

CONFRCONN079

CONFRCONN078

CONFRCONN077

CONFRCONN076

CONFRCONN075

CONFRCONN074

CONFRCONN073

CONFRCONN072

CONFRCONN071

CONFRCONN070

CONFg. Student loans......................................

M.18.h.RCONN099CONF

RCONN098CONF

RCONN097CONF

RCONN096CONF

RCONN095CONF

RCONN094CONF

RCONN093CONF

RCONN092CONF

RCONN091CONF

RCONN090CONF

RCONN089CONF

RCONN088CONF

RCONN087CONF

RCONN086CONF

RCONN085CONF

h. Other consumer loans and revolvingcredit plans other than credit cards........

M.18.i.RCONN114

CONFRCONN113

CONFRCONN112

CONFRCONN111

CONFRCONN110

CONFRCONN109

CONFRCONN108

CONFRCONN107

CONFRCONN106

CONFRCONN105

CONFRCONN104

CONFRCONN103

CONFRCONN102

CONFRCONN101

CONFRCONN100

CONFi. Consumer leases.................................

M.18.j.RCONN128

CONFRCONN127

CONFRCONN126

CONFRCONN125

CONFRCONN124

CONFRCONN123

CONFRCONN122

CONFRCONN121

CONFRCONN120

CONFRCONN119

CONFRCONN118

CONFRCONN117

CONFRCONN116

CONFRCONN115

CONFj. Total.....................................................




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


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

1.a.NRRCONF066a. Closed-end first liens............................................................................................................................................

1.b.NRRCONF067b. Closed-end junior liens.........................................................................................................................................

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

1.c.1.NRRCONF6701. Total commitment under the lines of credit....................................................................................................

1.c.2.NRRCONF6712. Principal amount funded under the lines of credit.........................................................................................

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






3.3. 1-4 family residential mortgages sold during the quarter:






4.4. 1-4 family residential mortgages held for sale at quarter-end (included in Schedule RC, item 4.a):






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

5.a.NRRIADF184a. Closed-end 1-4 family residential mortgage loans...............................................................................................

5.b.NRRIADF560b. Open-end 1-4 family residential mortgage loans extended under lines of credit..................................................

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



6.c.c. Open-end loans extended under line of credit:



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

7.a.CONFRCONL191a. For representations and warranties made to U.S. government agencies and government-sponsored agencies..

7.b.CONFRCONL192b. For representations and warranties made to other parties...................................................................................

7.c.NRRCONM288c. Total representation and warranty reserves (sum of items 7.a and 7.b)...............................................................

Schedule RC-Q - Assets and Liabilities Measured at Fair Value on a Recurring BasisSchedule RC-Q is to be completed by banks that:(1) Had total assets of $500 million or more as of the beginning of their fiscal year; or(2) Had total assets of less than $500 million as of the beginning of their fiscal year and either:(a) Have elected to report financial instruments or servicing assets and liabilities at fair value under a fair value option with changes in fair value recognized in earnings, or(b) Are required to complete Schedule RC-D, Trading Assets and Liabilities.

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




(Column E)Level 3 Fair

ValueMeasurements

(Column D)Level 2 Fair

ValueMeasurements

(Column C)Level 1 Fair

ValueMeasurements

(Column B)LESS: Amounts

Netted in theDetermination ofTotal Fair Value

(Column A) TotalFair Value

Reported onSchedule RC


1.RCONG4770

RCONG476265,560

RCONG4750

RCONG4740

RCONJA36265,560

1. Available-for-sale debt securities and equity securities with readily

determinable fair values not held for trading purposes1........................

2.RCONG4820

RCONG4810

RCONG4800

RCONG4790

RCONG4780

2. Federal funds sold and securities purchased under agreements toresell......................................................................................................

3.RCONG487

0RCONG486

0RCONG485

0RCONG484

0RCONG483

03. Loans and leases held for sale..........................................................

4.RCONG492

0RCONG491

0RCONG490

0RCONG489

0RCONG488

04. Loans and leases held for investment...............................................

5.5. Trading assets:

5.a.RCONG496

0RCONG495

0RCONG494

0RCONG493

0RCON3543

0a. Derivative assets........................................................................

5.b.RCONG501

0RCONG500

0RCONG499

0RCONG498

0RCONG497

0b. Other trading assets...................................................................

5.b.1.RCONF2420

RCONF2410

RCONF6920

RCONF6840

RCONF2400

1. Nontrading securities at fair value with changes in fair valuereported in current earnings (included in Schedule RC-Q, item5.b, above)..............................................................................

6.RCONG804

0RCONG396

0RCONG395

0RCONG392

0RCONG391

06. All other assets..................................................................................

7.RCONG5060

RCONG505265,560

RCONG5040

RCONG5030

RCONG502265,560

7.Total assets measured at fair value on a recurring basis (sum of items1 through 5.b plus item 6)......................................................................

8.RCONF254

0RCONF253

0RCONF694

0RCONF686

0RCONF252

08. Deposits.............................................................................................

9.RCONG5110

RCONG5100

RCONG5090

RCONG5080

RCONG5070

9. Federal funds purchased and securities sold under agreements torepurchase............................................................................................

10.10. Trading liabilities:

10.a.RCONG515

0RCONG514

0RCONG513

0RCONG512

0RCON3547

0a. Derivative liabilities.....................................................................

10.b.RCONG520

0RCONG519

0RCONG518

0RCONG517

0RCONG516

0b. Other trading liabilities................................................................

11.RCONG525

0RCONG524

0RCONG523

0RCONG522

0RCONG521

011. Other borrowed money....................................................................

12.RCONG530

0RCONG529

0RCONG528

0RCONG527

0RCONG526

012. Subordinated notes and debentures...............................................

13.RCONG809

0RCONG808

0RCONG807

0RCONG806

0RCONG805

013. All other liabilities.............................................................................

14.RCONG5350

RCONG5340

RCONG5330

RCONG5320

RCONG5310

14. Total liabilities measured at fair value on a recurring basis (sum ofitems 8 through 13)...............................................................................

M.1.1. All other assets (itemize and describe amounts included in ScheduleRC-Q, item 6, that are greater than $100,000 and exceed 25% of item6):

M.1.a.RCONG540

NRRCONG539

NRRCONG538

NRRCONG537

NRRCONG536

NRa. Mortgage servicing assets.........................................................

M.1.b.RCONG545

NRRCONG544

NRRCONG543

NRRCONG542

NRRCONG541

NRb. Nontrading derivative assets......................................................



M.1.c.1.TEXTG5461. Describe component....................................................................................................................................................


ValueMeasurements


ValueMeasurements


ValueMeasurements






M.1.c.2.RCONG550

NRRCONG549

NRRCONG548

NRRCONG547

NRRCONG546

NR2. Amount of component.......................................................................


M.1.d.d. Disclose component and the dollar amount of that component:

M.1.d.1.TEXTG5511. Describe component....................................................................................................................................................





ValueMeasurements


ValueMeasurements


ValueMeasurements






M.1.d.2.RCONG555

NRRCONG554

NRRCONG553

NRRCONG552

NRRCONG551



M.1.e.e. Disclose component and the dollar amount of that component:

M.1.e.1.TEXTG5561. Describe component....................................................................................................................................................


ValueMeasurements


ValueMeasurements


ValueMeasurements






M.1.e.2.RCONG560

NRRCONG559

NRRCONG558

NRRCONG557

NRRCONG556



M.1.f.f. Disclose component and the dollar amount of that component:

M.1.f.1.TEXTG5611. Describe component....................................................................................................................................................


ValueMeasurements


ValueMeasurements


ValueMeasurements






M.1.f.2.RCONG565

NRRCONG564

NRRCONG563

NRRCONG562

NRRCONG561


M.2.2. All other liabilities (itemize and describe amounts included in ScheduleRC-Q, item 13, that are greater than $100,000 and exceed 25% of item13):

M.2.a.RCONF263

NRRCONF262

NRRCONF697

NRRCONF689

NRRCONF261

NRa. Loan commitments (not accounted for as derivatives)...............

M.2.b.RCONG570

NRRCONG569

NRRCONG568

NRRCONG567

NRRCONG566

NRb. Nontrading derivative liabilities...................................................



M.2.c.1.TEXTG5711. Describe component....................................................................................................................................................


ValueMeasurements


ValueMeasurements


ValueMeasurements






M.2.c.2.RCONG575

NRRCONG574

NRRCONG573

NRRCONG572

NRRCONG571



M.2.d.d. Disclose component and the dollar amount of that component:

M.2.d.1.TEXTG5761. Describe component....................................................................................................................................................

1. For institutions that have adopted ASU 2016-01, which includes provisions governing the accounting for investments in equity securities, the amount reported in item 1, column A, must equalthe sum of Schedule RC, items 2.b and 2.c. For institutions that have not adopted ASU 2016-01, the amount reported in item 1, column A, must equal Schedule RC, item 2.b.





ValueMeasurements


ValueMeasurements


ValueMeasurements






M.2.d.2.RCONG580

NRRCONG579

NRRCONG578

NRRCONG577

NRRCONG576



M.2.e.e. Disclose component and the dollar amount of that component:

M.2.e.1.TEXTG5811. Describe component....................................................................................................................................................


ValueMeasurements


ValueMeasurements


ValueMeasurements






M.2.e.2.RCONG585

NRRCONG584

NRRCONG583

NRRCONG582

NRRCONG581



M.2.f.f. Disclose component and the dollar amount of that component:

M.2.f.1.TEXTG5861. Describe component....................................................................................................................................................


ValueMeasurements


ValueMeasurements


ValueMeasurements






M.2.f.2.RCONG590

NRRCONG589

NRRCONG588

NRRCONG587

NRRCONG586






M.3.3. Loans measured at fair value (included in Schedule RC-C, Part I, items 1 through 9):


M.3.a.1.0RCONF5781. Construction, land development, and other land loans.................................................................................

M.3.a.2.0RCONF5792. Secured by farmland (including farm residential and other improvements)..................................................


M.3.a.3.a.0RCONF580a. Revolving, open-end loans secured by 1-4 family residential properties and extended under lines ofcredit..........................................................................................................................................................


M.3.a.3.b.1.0RCONF5811. Secured by first liens......................................................................................................................

M.3.a.3.b.2.0RCONF5822. Secured by junior liens...................................................................................................................

M.3.a.4.0RCONF5834. Secured by multifamily (5 or more) residential properties.............................................................................

M.3.a.5.0RCONF5845. Secured by nonfarm nonresidential properties.............................................................................................

M.3.b.0RCONF585b. Commercial and industrial loans..........................................................................................................................


M.3.c.1.0RCONF5861. Credit cards...................................................................................................................................................

M.3.c.2.0RCONF5872. Other revolving credit plans..........................................................................................................................

M.3.c.3.0RCONK1963. Automobile loans...........................................................................................................................................

M.3.c.4.0RCONK2084. Other consumer loans...................................................................................................................................

M.3.d.0RCONF589d. Other loans...........................................................................................................................................................

M.4.4. Unpaid principal balance of loans measured at fair value (reported in Schedule RC-Q, Memorandum item 3):


M.4.a.1.0RCONF5901. Construction, land development, and other land loans.................................................................................

M.4.a.2.0RCONF5912. Secured by farmland (including farm residential and other improvements)..................................................


M.4.a.3.a.0RCONF592a. Revolving, open-end loans secured by 1-4 family residential properties and extended under lines ofcredit..........................................................................................................................................................


M.4.a.3.b.1.0RCONF5931. Secured by first liens......................................................................................................................

M.4.a.3.b.2.0RCONF5942. Secured by junior liens...................................................................................................................

M.4.a.4.0RCONF5954. Secured by multifamily (5 or more) residential properties.............................................................................

M.4.a.5.0RCONF5965. Secured by nonfarm nonresidential properties.............................................................................................

M.4.b.0RCONF597b. Commercial and industrial loans..........................................................................................................................


M.4.c.1.0RCONF5981. Credit cards...................................................................................................................................................

M.4.c.2.0RCONF5992. Other revolving credit plans..........................................................................................................................

M.4.c.3.0RCONK1953. Automobile loans...........................................................................................................................................

M.4.c.4.0RCONK2094. Other consumer loans...................................................................................................................................

M.4.d.0RCONF601d. Other loans...........................................................................................................................................................




Schedule RC-R Part I - Regulatory Capital Components and RatiosPart I is to be completed on a consolidated basis.


1.53,433RCOAP7421. Common stock plus related surplus, net of treasury stock and unearned employee stock ownership plan (ESOP)shares..............................................................................................................................................................................

2.22,869RCON36322. Retained earnings.......................................................................................................................................................

3.-3,444RCOAB5303. Accumulated other comprehensive income (AOCI).....................................................................................................

3.a.1RCOAP838a. AOCI opt-out election (enter "1" for Yes; enter "0" for No.) (Advanced approaches institutions must enter "0"for No.).....................................................................................................................................................................

4.0RCOAP8394. Common equity tier 1 minority interest includable in common equity tier 1 capital.....................................................

5.72,858RCOAP8405. Common equity tier 1 capital before adjustments and deductions (sum of items 1 through 4)...................................

6.0RCOAP8416. LESS: Goodwill net of associated deferred tax liabilities (DTLs).................................................................................

7.0RCOAP8427. LESS: Intangible assets (other than goodwill and mortgage servicing assets (MSAs)), net of associated DTLs.......

8.0RCOAP8438. LESS: Deferred tax assets (DTAs) that arise from net operating loss and tax credit carryforwards, net of any relatedvaluation allowances and net of DTLs.............................................................................................................................

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

9.a.-3,444RCOAP844a. LESS: Net unrealized gains (losses) on available-for-sale securities (if a gain, report as a positive value; if aloss, report as a negative value)..............................................................................................................................

9.b.0RCOAP845b. LESS: Net unrealized loss on available-for-sale preferred stock classified as an equity security under GAAPand available-for-sale equity exposures (report loss as a positive value)................................................................

9.c.0RCOAP846c. LESS: Accumulated net gains (losses) on cash flow hedges (if a gain, report as a positive value; if a loss, reportas a negative value).................................................................................................................................................

9.d.0RCOAP847d. LESS: Amounts recorded in AOCI attributed to defined benefit postretirement plans resulting from the initialand subsequent application of the relevant GAAP standards that pertain to such plans (if a gain, report as apositive value; if a loss, report as a negative value).................................................................................................

9.e.0RCOAP848e. LESS: Net unrealized gains (losses) on held-to-maturity securities that are included in AOCI (if a gain, reportas a positive value; if a loss, report as a negative value).........................................................................................

9.f.NRRCOAP849

f. LESS: Accumulated net gain (loss) on cash flow hedges included in AOCI, net of applicable income taxes, thatrelate to the hedging of items that are not recognized at fair value on the balance sheet (if a gain, report as apositive value; if a loss, report as a negative value) (To be completed only by institutions that entered "0" for Noin item 3.a)...............................................................................................................................................................

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

10.a.0RCOAQ258a. LESS: Unrealized net gain (loss) related to changes in the fair value of liabilities that are due to changes in owncredit risk (if a gain, report as a positive value; if a loss, report as a negative value)..............................................

10.b.0RCOAP850b. LESS: All other deductions from (additions to) common equity tier 1 capital before threshold-based deductions.

11.0RCOAP85111. LESS: Non-significant investments in the capital of unconsolidated financial institutions in the form of commonstock that exceed the 10 percent threshold for non-significant investments...................................................................

12.76,302RCOAP85212. Subtotal (item 5 minus items 6 through 11)...............................................................................................................

13.0RCOAP85313. LESS: Significant investments in the capital of unconsolidated financial institutions in the form of common stock,net of associated DTLs, that exceed the 10 percent common equity tier 1 capital deduction threshold.........................

14.0RCOAP85414. LESS: MSAs, net of associated DTLs, that exceed the 10 percent common equity tier 1 capital deductionthreshold..........................................................................................................................................................................

15.0RCOAP85515. LESS: DTAs arising from temporary differences that could not be realized through net operating loss carrybacks,net of related valuation allowances and net of DTLs, that exceed the 10 percent common equity tier 1 capital deductionthreshold..........................................................................................................................................................................

16.0RCOAP856

16. LESS: Amount of significant investments in the capital of unconsolidated financial institutions in the form of commonstock, net of associated DTLs; MSAs, net of associated DTLs; and DTAs arising from temporary differences that couldnot be realized through net operating loss carrybacks, net of related valuation allowances and net of DTLs; that exceedsthe 15 percent common equity tier 1 capital deduction threshold...................................................................................

17.0RCOAP85717. LESS: Deductions applied to common equity tier 1 capital due to insufficient amounts of additional tier 1 capitaland tier 2 capital to cover deductions..............................................................................................................................

18.0RCOAP85818. Total adjustments and deductions for common equity tier 1 capital (sum of items 13 through 17)............................

19.76,302RCOAP85919. Common equity tier 1 capital (item 12 minus item 18)..............................................................................................

20.0RCOAP86020. Additional tier 1 capital instruments plus related surplus..........................................................................................

21.0RCOAP86121. Non-qualifying capital instruments subject to phase out from additional tier 1 capital .............................................

22.0RCOAP86222. Tier 1 minority interest not included in common equity tier 1 capital.........................................................................

23.0RCOAP86323. Additional tier 1 capital before deductions (sum of items 20, 21, and 22).................................................................

24.0RCOAP86424. LESS: Additional tier 1 capital deductions.................................................................................................................

25.0RCOAP86525. Additional tier 1 capital (greater of item 23 minus item 24, or zero)..........................................................................

26.76,302RCOA827426. Tier 1 capital (sum of items 19 and 25).....................................................................................................................

27.0RCOAP86627. Tier 2 capital instruments plus related surplus..........................................................................................................




Dollar amounts in thousands28.0RCOAP86728. Non-qualifying capital instruments subject to phase out from tier 2 capital...............................................................

29.0RCOAP86829. Total capital minority interest that is not included in tier 1 capital..............................................................................

30.30. Allowance for loan and lease losses and eligible credit reserves includable in tier 2 capital

30.a.5,035RCOA5310a. Allowance for loan and lease losses includable in tier 2 capital...........................................................................

30.b.NRRCOW5310b. (Advanced approaches institutions that exit parallel run only): Eligible credit reserves includable in tier 2 capital.

31.0RCOAQ25731. Unrealized gains on available-for-sale preferred stock classified as an equity security under GAAP andavailable-for-sale equity exposures includable in tier 2 capital........................................................................................

32.32. Tier 2 capital before deductions

32.a.5,035RCOAP870a. Tier 2 capital before deductions (sum of items 27 through 30.a, plus item 31)....................................................

32.b.NRRCOWP870b. (Advanced approaches institutions that exit parallel run only): Tier 2 capital before deductions (sum of items27 through 29, plus items 30.b and 31)....................................................................................................................

33.0RCOAP87233. LESS: Tier 2 capital deductions.................................................................................................................................

34.34. Tier 2 capital

34.a.5,035RCOA5311a. Tier 2 capital (greater of item 32.a minus item 33, or zero)..................................................................................

34.b.NRRCOW5311b. (Advanced approaches institutions that exit parallel run only): Tier 2 capital (greater of item 32.b minus item33, or zero)...............................................................................................................................................................

35.35. Total capital

35.a.81,337RCOA3792a. Total capital (sum of items 26 and 34.a)...............................................................................................................

35.b.NRRCOW3792b. (Advanced approaches institutions that exit parallel run only): Total capital (sum of items 26 and 34.b).............

36.776,121RCON336836. Average total consolidated assets.............................................................................................................................

37.0RCOAP87537. LESS: Deductions from common equity tier 1 capital and additional tier 1 capital (sum of items 6, 7, 8, 10.b, 11,13 through 17, and certain elements of item 24 - see instructions)................................................................................

38.0RCOAB59638. LESS: Other deductions from (additions to) assets for leverage ratio purposes.......................................................

39.776,121RCOAA22439. Total assets for the leverage ratio (item 36 minus items 37 and 38)..........................................................................

40.40. Total risk-weighted assets

40.a.476,564RCOAA223a. Total risk-weighted assets (from Schedule RC-R, Part II, item 31)......................................................................

40.b.NRRCOWA223b. (Advanced approaches institutions that exit parallel run only): Total risk-weighted assets using advancedapproaches rule (from FFIEC 101 Schedule A, item 60).........................................................................................

(Column B) Percentage(Column A) PercentageDollar amounts in thousands

41.NRRCOWP79316.0109%RCOAP79341. Common equity tier 1 capital ratio (Column A: item 19 divided by item 40.a) (Advancedapproaches institutions that exit parallel run only: Column B: item 19 divided by item 40.b)......

42.NRRCOW720616.0109%RCOA720642. Tier 1 capital ratio (Column A: item 26 divided by item 40.a) (Advanced approachesinstitutions that exit parallel run only: Column B: item 26 divided by item 40.b)........................

43.NRRCOW720517.0674%RCOA720543. Total capital ratio (Column A: item 35.a divided by item 40.a) (Advanced approachesinstitutions that exit parallel run only: Column B: item 35.b divided by item 40.b).....................


44.9.8312%RCOA720444. Tier 1 leverage ratio (item 26 divided by item 39)......................................................................................................

45.45. Advanced approaches institutions only: Supplementary leverage ratio information:

45.a.NRRCOAH015a. Total leverage exposure........................................................................................................................................

45.b.NRRCOAH036b. Supplementary leverage ratio...............................................................................................................................

46.46. Institution-specific capital buffer necessary to avoid limitations on distributions and discretionary bonus payments:

46.a.9.0674%RCOAH311a. Capital conservation buffer...................................................................................................................................

46.b.NRRCOWH312b. (Advanced approaches institutions that exit parallel run only): Total applicable capital buffer..............................

47.NRRCOAH313Institutions must complete items 47 and 48 if the amount in item 46.a (or the lower of item 46.a or 46.b for an advanced approachesinstitution that has exited parallel run) is less than or equal to the applicable minimum capital conservation buffer:

47. Eligible retained income............................................................................................................................................

48.NRRCOAH31448. Distributions and discretionary bonus payments during the quarter (effective January 1, 2016)..............................




Schedule RC-R Part II - Risk-Weighted AssetsInstitutions are required to assign a 100 percent risk weight to all assets not specifically assigned a risk weight under Subpart D of the federal banking agencies' regulatory capital rules and not deducted from tier 1 or tier 2 capital.

(Column J)Allocation byRisk-Weight

Category150%

(Column I)Allocation byRisk-Weight

Category100%

(Column H)Allocation byRisk-Weight

Category 50%

(Column G)Allocation byRisk-Weight

Category 20%

(Column F)Allocation byRisk-Weight

Category 10%

(Column E)Allocation byRisk-WeightCategory 4%

(Column D)Allocation byRisk-WeightCategory 2%

(Column C)Allocation byRisk-WeightCategory 0%

(Column B)Adjustments

to TotalsReported inColumn A

(Column A)Totals from

Schedule RC


1.RCONS398

0RCOND960

0RCONS397

0RCOND959

30,359RCOND958

39,421RCONS396

0RCOND957

69,7801. Cash and balances due from depository institutions...........

2.2. Securities:

2.a.RCONS400

0RCOND965

0RCOND964

0RCOND963

0RCONHJ75

0RCONHJ74

0RCOND962

0RCONS399

0RCOND961

0a. Held-to-maturity securities...........................................

2.b.RCONS4030

RCOND9700

RCOND9690

RCOND968269,920

RCONHJ770

RCONHJ760

RCOND9670

RCONS402-4,360

RCONJA21265,560

b. Available-for-sale debt securities and equity securitieswith readily determinable fair values not held fortrading..............................................................................

3.3. Federal funds sold and securities purchased underagreements to resell:

3.a.RCONS411

0RCOND974

0RCONS410

0RCOND973

0RCOND972

0RCOND971

0a. Federal funds sold........................................................

3.b.RCONH172

0RCONH171

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

4.4. Loans and leases held for sale:

4.a.RCONS417

0RCONS416

0RCONS415

0RCONH173

0RCONS414

0RCONS413

0a. Residential mortgage exposures.................................

4.b.RCONS421

0RCONH177

0RCONH176

0RCONH175

0RCONH174

0RCONS420

0RCONS419

0b. High volatility commercial real estate exposures.........

4.c.RCONS4290

RCONS4280

RCONS4270

RCONS4260

RCONHJ790

RCONHJ780

RCONS4250

RCONS4240

RCONS4230

c. Exposures past due 90 days or more or on

nonaccrual3.....................................................................

(Column S)Application of

OtherRisk-Weighting

ApproachesRisk-WeightedAsset Amount

(Column R)Application of

OtherRisk-Weighting

ApproachesExposureAmount

(Column Q)Allocation byRisk-Weight

Category1,250%

(Column P)Allocation byRisk-Weight

Category937.5%

(Column O)Allocation byRisk-Weight

Category 625%

(Column N)Allocation byRisk-Weight

Category 600%

(Column M)Allocation byRisk-Weight

Category 400%

(Column L)Allocation byRisk-Weight

Category 300%

(Column K)Allocation byRisk-Weight

Category 250%


1.1. Cash and balances due from depository institutions

2.2. Securities:

2.a.a. Held-to-maturity securities

2.b.RCONH2720

RCONH2710

RCONS4060

RCONS4050

RCONH270NR

b. Available-for-sale debt securities and equity securities withreadily determinable fair values not held for trading................

3.3. Federal funds sold and securities purchased under agreementsto resell:

3.a.a. Federal funds sold

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

3. For loans and leases held for sale, exclude residential mortgage exposures, high volatility commercial real estate exposures, or sovereign exposures that are past due 90 days or more or on nonaccrual.





OtherRisk-Weighting



OtherRisk-Weighting



Category1,250%


Category937.5%


Category 625%


Category 600%


Category 400%


Category 300%


Category 250%

Dollar amounts in thousands4.4. Loans and leases held for sale:

4.a.RCONH274

0RCONH273

0a. Residential mortgage exposures.........................................

4.b.RCONH276

0RCONH275

0b. High volatility commercial real estate exposures.................





OtherRisk-Weighting



OtherRisk-Weighting



Category1,250%


Category937.5%


Category 625%


Category 600%


Category 400%


Category 300%


Category 250%


4.c.RCONH278

0RCONH277

0c. Exposures past due 90 days or more or on nonaccrual6.....


Category150%


Category100%


Category 50%


Category 20%


Category 10%






(Column A)Totals from

Schedule RC


4.4. Loans and leases held for sale (continued):

4.d.RCONS437

0RCONS436

0RCONS435

0RCONS434

0RCONHJ81

0RCONHJ80

0RCONS433

0RCONS432

0RCONS431

0d. All other exposures......................................................

5.5. Loans and leases held for investment:

5.a.RCONS443

0RCONS442

51,274RCONS441

0RCONH178

0RCONS440

0RCONS439

51,274a. Residential mortgage exposures.................................

5.b.RCONS447

0RCONH182

0RCONH181

0RCONH180

0RCONH179

0RCONS446

0RCONS445

0b. High volatility commercial real estate exposures.........

5.c.RCONS4552,650

RCONS4540

RCONS4530

RCONS4520

RCONHJ830

RCONHJ820

RCONS4510

RCONS4500

RCONS4492,650

c. Exposures past due 90 days or more or on

nonaccrual7.....................................................................

5.d.RCONS463

0RCONS462

347,134RCONS461

0RCONS460

0RCONHJ85

0RCONHJ84

0RCONS459

0RCONS458

0RCONS457

347,134d. All other exposures......................................................

6.RCON3123

4,783RCON3123

4,7836. LESS: Allowance for loan and lease losses........................

7.RCONS467

0RCOND980

0RCOND979

0RCOND978

0RCONHJ87

0RCONHJ86

0RCOND977

0RCONS466

0RCOND976

07. Trading assets.....................................................................

8.RCONH185

0RCOND985

33,078RCOND984

0RCOND983

1,020RCONHJ89

0RCONHJ88

0RCOND982

0RCONS469

0RCOND981

40,3898. All other assets8..................................................................

8.a.a. Separate account bank-owned life insurance

8.b.b. Default fund contributions to central counterparties





OtherRisk-Weighting



OtherRisk-Weighting



Category1,250%


Category937.5%


Category 625%


Category 600%


Category 400%


Category 300%


Category 250%


4.4. Loans and leases held for sale (continued):

4.d.RCONH280

0RCONH279

0d. All other exposures..............................................................

5.5. Loans and leases held for investment:

5.a.RCONH282

0RCONH281

0a. Residential mortgage exposures.........................................

5.b.RCONH284

0RCONH283

0b. High volatility commercial real estate exposures.................

5.c.RCONH286

0RCONH285

0c. Exposures past due 90 days or more or on nonaccrual11....

5.d.RCONH288

0RCONH287

0d. All other exposures..............................................................

6.6. LESS: Allowance for loan and lease losses

7.RCONH292

0RCONH291

0RCONH187

0RCONH290

0RCONH186

0RCONH289

NR7. Trading assets.............................................................................

8.RCONH295

0RCONH294

0RCONS471

0RCONS470

0RCONH188

0RCONH293

NR8. All other assets12........................................................................

8.a.RCONH297

5,033RCONH296

6,291a. Separate account bank-owned life insurance......................

8.b.RCONH299

0RCONH298

0b. Default fund contributions to central counterparties............

6. For loans and leases held for sale, exclude residential mortgage exposures, high volatility commercial real estate exposures, or sovereign exposures that are past due 90 days or more or on nonaccrual.

7. For loans and leases, net of unearned income, exclude residential mortgage exposures, high volatility commercial real estate exposures, or sovereign exposures that are past due 90 days or more or on nonaccrual.

8. Includes premises and fixed assets; other real estate owned; investments in unconsolidated subsidiaries and associated companies; direct and indirect investments in real estate ventures; intangible assets; and other assets.

11. For loans and leases, net of unearned income, exclude residential mortgage exposures, high volatility commercial real estate exposures, or sovereign exposures that are past due 90 days or more or on nonaccrual.

12. Includes premises and fixed assets; other real estate owned; investments in unconsolidated subsidiaries and associated companies; direct and indirect investments in real estate ventures; intangible assets; and other assets.




(Column U) TotalRisk-WeightedAsset Amountby CalculationMethodology

Gross-Up

(Column T) TotalRisk-WeightedAsset Amountby CalculationMethodology

SSFA

(Column Q)Exposure

Amount 1,250%

(Column B)Adjustments toTotals Reported

in Column A

(Column A)Totals


9.9. On-balance sheet securitization exposures:

9.a.RCONS479

0RCONS478

0RCONS477

0RCONS476

0RCONS475

0a. Held-to-maturity securities.........................................................

9.b.RCONS484

0RCONS483

0RCONS482

0RCONS481

0RCONS480

0b. Available-for-sale securities........................................................

9.c.RCONS489

0RCONS488

0RCONS487

0RCONS486

0RCONS485

0c. Trading assets.............................................................................

9.d.RCONS494

0RCONS493

0RCONS492

0RCONS491

0RCONS490

0d. All other on-balance sheet securitization exposures..................

10.RCONS499

0RCONS498

0RCONS497

0RCONS496

0RCONS495

010. Off-balance sheet securitization exposures.....................................





Category150%


Category100%


Category 50%


Category 20%


Category 10%






(Column A)Totals FromSchedule RC


11.RCONS503

2,650RCOND990

380,212RCOND989

51,274RCOND988

301,299RCONHJ91

0RCONHJ90

0RCOND987

39,421RCONS500

-9,143RCON2170

772,00511. Total balance sheet assets14.............................................


OtherRisk-Weighting



Category 1,250%


Category 937.5%


Category 625%


Category 600%


Category 400%


Category 300%


Category 250%


11.RCONH300

6,291RCONS510

0RCONS507

0RCONS506

0RCONS505

0RCONS504

NR11. Total balance sheet assets14.............................................................


Category150%


Category100%


Category 50%


Category 20%


Category 10%




(Column B)Credit

EquivalentAmount

(Column A)Face,

Notional, orOther Amount


12.RCONS511

0RCOND996

314RCOND995

0RCOND994

0RCONHJ93

0RCONHJ92

0RCOND993

0RCOND992

314RCOND991

31412. Financial standby letters of credit......................................

13.RCONS5120

RCONG6051,133

RCONG6040

RCONG6030

RCOND9990

RCOND9981,133

RCOND9972,266

13. Performance standby letters of credit andtransaction-related contingent items.......................................

14.RCONS5130

RCONG6110

RCONG6100

RCONG6090

RCONHJ950

RCONHJ940

RCONG6080

RCONG6070

RCONG6060

14. Commercial and similar letters of credit with an originalmaturity of one year or less.....................................................

15.RCONS5140

RCONG6170

RCONG6160

RCONG6150

RCONG6140

RCONG6130

RCONG6120

15. Retained recourse on small business obligations sold withrecourse..................................................................................


Category150%


Category100%


Category 50%


Category 20%


Category 10%




(Column B)Credit

EquivalentAmount

(Column A)Face,



16.RCONS523

0RCONS522

0RCONS521

0RCONS520

0RCONS519

0RCONS518

0RCONS517

0RCONS516

0RCONS515

016. Repo-style transactions21.................................................

17.RCONS524

0RCONG623

0RCONG622

0RCONG621

0RCONG620

0RCONG619

0RCONG618

017. All other off-balance sheet liabilities..................................

18.18. Unused commitments:*

18.a.RCONS531

0RCONS530

0RCONS529

0RCONS528

0RCONHJ97

0RCONHJ96

0RCONS527

0RCONS526

0RCONS525

0a. Original maturity of one year or less............................

14. For each of columns A through R of item 11, report the sum of items 1 through 9. For item 11, the sum of columns B through R must equal column A. Item 11, column A, must equal Schedule RC, item 12.

21. Includes securities purchased under agreements to resell (reverse repos), securities sold under agreements to repurchase (repos), securities borrowed, and securities lent.

*. Excludes unused commitments to asset-backed commercial paper conduits.





Category150%


Category100%


Category 50%


Category 20%


Category 10%




(Column B)Credit

EquivalentAmount

(Column A)Face,



18.b.RCONS539

0RCONG629

0RCONG628

0RCONG627

0RCONHJ99

0RCONHJ98

0RCONG626

0RCONG625

0RCONG624

0b. Original maturity exceeding one year...........................

19.RCONS541

0RCONS540

106,10519. Unconditionally cancelable commitments.........................

20.RCONS548

0RCONS547

0RCONS546

0RCONS545

0RCONS544

0RCONHK01

0RCONHK00

0RCONS543

0RCONS542

020. Over-the-counter derivatives.............................................

21.RCONS557

0RCONS556

0RCONS555

0RCONS554

0RCONS552

0RCONS551

0RCONS550

0RCONS549

021. Centrally cleared derivatives.............................................

22.RCONH197

0RCONH196

0RCONH195

0RCONH194

0RCONH193

0RCONH191

022. Unsettled transactions (failed trades)22.............................

22. For item 22, the sum of columns C through Q must equal column A.





OtherRisk-Weighting



OtherRisk-Weighting

ApproachesCredit

EquivalentAmount


Category 1,250%


Category 937.5%


Category 625%


16.RCONH302

0RCONH301

016. Repo-style transactions24................................................................

17.17. All other off-balance sheet liabilities

18.18. Unused commitments:*

18.a.RCONH304

0RCONH303

0a. Original maturity of one year or less...........................................

18.b.RCONH308

0RCONH307

0b. Original maturity exceeding one year.........................................

19.19. Unconditionally cancelable commitments

20.RCONH310

0RCONH309

020. Over-the-counter derivatives...........................................................

21.21. Centrally cleared derivatives

22.RCONH200

0RCONH199

0RCONH198

022. Unsettled transactions (failed trades)25...........................................

24. Includes securities purchased under agreements to resell (reverse repos), securities sold under agreements to repurchase (repos), securities borrowed, and securities lent.

*. Excludes unused commitments to asset-backed commercial paper conduits.

25. For item 22, the sum of columns C through Q must equal column A.





Category 150%


Category 100%


Category 50%


Category 20%


Category 10%



(Column C)Allocation byRisk-WeightCategory 0%Dollar amounts in thousands

23.RCONS561

2,650RCONG633

381,659RCONG632

51,274RCONG631

301,299RCONS560

0RCONS559

0RCONS558

0RCONG630

39,421

23. Total assets, derivatives, off-balance sheet items, and other itemssubject to risk weighting by risk-weight category (for each of columns Cthrough P, sum of items 11 through 22; for column Q, sum of items 10through 22)..............................................................................................

24.24. Risk weight factor

25.RCONS5723,975

RCONG637381,659

RCONG63625,637

RCONG63560,260

RCONS5710

RCONS5700

RCONS5690

RCONG6340

25. Risk-weighted assets by risk-weight category (for each column, item23 multiplied by item 24).........................................................................


Category 1,250%


Category 937.5%


Category 625%


Category 600%


Category 400%


Category 300%


Category 250%Dollar amounts in thousands

23.RCONS5680

RCONS5670

RCONS5660

RCONS5650

RCONS5640

RCONS5630

RCONS562NR

23. Total assets, derivatives, off-balance sheet items, and other items subjectto risk weighting by risk-weight category (for each of columns C through P,sum of items 11 through 22; for column Q, sum of items 10 through 22).........

24.24. Risk weight factor

25.RCONS5790

RCONS5780

RCONS5770

RCONS5760

RCONS5750

RCONS5740

RCONS573NR

25. Risk-weighted assets by risk-weight category (for each column, item 23multiplied by item 24)........................................................................................





26.476,564RCONS58026. Risk-weighted assets base for purposes of calculating the allowance for loan and lease losses 1.25 percentthreshold..........................................................................................................................................................................

27.0RCONS58127. Standardized market-risk weighted assets (applicable only to banks that are covered by the market risk capitalrule).................................................................................................................................................................................

28.476,564RCONB70428. Risk-weighted assets before deductions for excess allowance of loan and lease losses and allocated risk transfer

risk reserve27..................................................................................................................................................................

29.0RCONA22229. LESS: Excess allowance for loan and lease losses..................................................................................................

30.0RCON312830. LESS: Allocated transfer risk reserve........................................................................................................................

31.476,564RCONG64131. Total risk-weighted assets (item 28 minus items 29 and 30).....................................................................................

M.1.0RCONG6421. Current credit exposure across all derivative contracts covered by the regulatory capital rules.................................

(Column C) With aremaining maturity of Over

five years

(Column B) With aremaining maturity of Over

one year through fiveyears

(Column A) With aremaining maturity of One

year or lessDollar amounts in thousands

M.2.2. Notional principal amounts of over-the-counter derivative contracts:

M.2.a.0RCONS5840RCONS5830RCONS582a. Interest rate...........................................................................................

M.2.b.0RCONS5870RCONS5860RCONS585b. Foreign exchange rate and gold............................................................

M.2.c.0RCONS5900RCONS5890RCONS588c. Credit (investment grade reference asset).............................................

M.2.d.0RCONS5930RCONS5920RCONS591d. Credit (non-investment grade reference asset).....................................

M.2.e.0RCONS5960RCONS5950RCONS594e. Equity.....................................................................................................

M.2.f.0RCONS5990RCONS5980RCONS597f. Precious metals (except gold)................................................................

M.2.g.0RCONS6020RCONS6010RCONS600g. Other.....................................................................................................

M.3.3. Notional principal amounts of centrally cleared derivative contracts:

M.3.a.0RCONS6050RCONS6040RCONS603a. Interest rate...........................................................................................

M.3.b.0RCONS6080RCONS6070RCONS606b. Foreign exchange rate and gold............................................................

M.3.c.0RCONS6110RCONS6100RCONS609c. Credit (investment grade reference asset).............................................

M.3.d.0RCONS6140RCONS6130RCONS612d. Credit (non-investment grade reference asset).....................................

M.3.e.0RCONS6170RCONS6160RCONS615e. Equity.....................................................................................................

M.3.f.0RCONS6200RCONS6190RCONS618f. Precious metals (except gold)................................................................

M.3.g.0RCONS6230RCONS6220RCONS621g. Other.....................................................................................................

27. Sum of items 2.b through 20, column S; items 9.a, 9.b, 9.c, 9.d, and 10, columns T and U; item 25, columns C through Q; and item 27 (if applicable).




Schedule RC-S - Servicing Securitization and Asset Sale Activities(Column G) All

Other Loans, AllLeases, and AllOther Assets

(Column F)Commercial andIndustrial Loans

(Column E) OtherConsumer Loans

(Column D) AutoLoans

(Column C) CreditCard Receivables

(Column B) HomeEquity Lines

(Column A) 1-4Family Residential

LoansDollar amounts in thousands

1.RCONB7110

RCONB7100

RCONB7090

RCONB7080

RCONB7070

RCONB7060

RCONB7050

1. Outstanding principal balance of assets sold and securitized by the reportingbank with servicing retained or with recourse or other seller-provided creditenhancements...................................................................................................

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

2.a.RCONB7180

RCONB7170

RCONB7160

RCONB7150

RCONB7140

RCONB7130

RCONB7120

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

2.b.RCONC399

0RCONC398

0RCONC397

0RCONC396

0RCONC395

0RCONC394

0RCONC393

0b. Subordinated securities and other residual interests.............................

2.c.RCONC406

0RCONC405

0RCONC404

0RCONC403

0RCONC402

0RCONC401

0RCONC400

0c. Standby letters of credit and other enhancements.................................

3.RCONB7320

RCONB7310

RCONB7300

RCONB7290

RCONB7280

RCONB7270

RCONB7260

3. Reporting bank's unused commitments to provide liquidity to structuresreported in item 1..............................................................................................

4.4. Past due loan amounts included in item 1:

4.a.RCONB739

0RCONB738

0RCONB737

0RCONB736

0RCONB735

0RCONB734

0RCONB733

0a. 30-89 days past due...............................................................................

4.b.RCONB746

0RCONB745

0RCONB744

0RCONB743

0RCONB742

0RCONB741

0RCONB740

0b. 90 days or more past due......................................................................

5.5. Charge-offs and recoveries on assets sold and securitized with servicingretained or with recourse or other seller-provided credit enhancements (calendaryear-to-date):

5.a.RIADB753

0RIADB752

0RIADB751

0RIADB750

0RIADB749

0RIADB748

0RIADB747

0a. Charge-offs............................................................................................

5.b.RIADB760

0RIADB759

0RIADB758

0RIADB757

0RIADB756

0RIADB755

0RIADB754

0b. Recoveries.............................................................................................

6.6. Amount of ownership (or seller's) interests carried as:

6.a.RCONB763

0RCONB762

0RCONB761

0a. Securities (included in Schedule RC-B or in Schedule RC, item 5).......

6.b.RCONB502

0RCONB501

0RCONB500

0b. Loans (included in Schedule RC-C).......................................................

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

7.a.RCONB766

0RCONB765

0RCONB764

0a. 30-89 days past due...............................................................................

7.b.RCONB769

0RCONB768

0RCONB767

0b. 90 days or more past due......................................................................

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

8.a.RIADB772

0RIADB771

0RIADB770

0a. Charge-offs............................................................................................

8.b.RIADB775

0RIADB774

0RIADB773

0b. Recoveries.............................................................................................

9.RCONB782

0RCONB781

0RCONB780

0RCONB779

0RCONB778

0RCONB777

0RCONB776

0

9. Maximum amount of credit exposure arising from credit enhancementsprovided by the reporting bank to other institutions' securitization structures inthe form of standby letters of credit, purchased subordinated securities, andother enhancements.........................................................................................




(Column G) AllOther Loans, AllLeases, and AllOther Assets

(Column F)Commercial andIndustrial Loans

(Column E) OtherConsumer Loans

(Column D) AutoLoans

(Column C) CreditCard Receivables

(Column B) HomeEquity Lines

(Column A) 1-4Family Residential

LoansDollar amounts in thousands

10.RCONB7890

RCONB7880

RCONB7870

RCONB7860

RCONB7850

RCONB7840

RCONB7830

10. Reporting bank's unused commitments to provide liquidity to otherinstitutions' securitization structures..................................................................

11.RCONB7960

RCONB7950

RCONB7940

RCONB7930

RCONB7920

RCONB7910

RCONB7903,919

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

12.RCONB8030

RCONB8020

RCONB8010

RCONB8000

RCONB7990

RCONB7980

RCONB7973,919

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





M.1.1. Small business obligations transferred with recourse under Section 208 of the Riegle Community Development andRegulatory Improvement Act of 1994:

M.1.a.0RCONA249a. Outstanding principal balance..............................................................................................................................

M.1.b.0RCONA250b. Amount of retained recourse on these obligations as of the report date..............................................................

M.2.2. Outstanding principal balance of assets serviced for others (includes participations serviced for others):

M.2.a.0RCONB804a. Closed-end 1-4 family residential mortgages serviced with recourse or other servicer-provided creditenhancements..........................................................................................................................................................

M.2.b.0RCONB805b. Closed-end 1-4 family residential mortgages serviced with no recourse or other servicer-provided creditenhancements..........................................................................................................................................................

M.2.c.0RCONA591c. Other financial assets (includes home equity lines)1............................................................................................

M.2.d.0RCONF699d. 1-4 family residential mortgages serviced for others that are in process of foreclosure at quarter-end (includesclosed-end and open-end loans)..............................................................................................................................

M.3.3. Asset-backed commercial paper conduits:*

M.3.a.a. Maximum amount of credit exposure arising from credit enhancements provided to conduit structures in theform of standby letters of credit, subordinated securities, and other enhancements:

M.3.a.1.NRRCONB8061. Conduits sponsored by the bank, a bank affiliate, or the bank's holding company.......................................

M.3.a.2.NRRCONB8072. Conduits sponsored by other unrelated institutions......................................................................................

M.3.b.b. Unused commitments to provide liquidity to conduit structures:

M.3.b.1.NRRCONB8081. Conduits sponsored by the bank, a bank affiliate, or the bank's holding company.......................................

M.3.b.2.NRRCONB8092. Conduits sponsored by other unrelated institutions......................................................................................

M.4.NRRCONC4074. Outstanding credit card fees and finance charges included in Schedule RC-S, item 1, column C2............................

Schedule RC-T - Fiduciary and Related ServicesDollar amounts in thousands

1.NoRCONA3451. Does the institution have fiduciary powers? (If "NO," do not complete Schedule RC-T.)............................................

2.NoRCONA3462. Does the institution exercise the fiduciary powers it has been granted?.....................................................................

3.NoRCONB8673. Does the institution have any fiduciary or related activity (in the form of assets or accounts) to report in this schedule?(If "NO," do not complete the rest of Schedule RC-T.)....................................................................................................

(Column D) Number ofNon-Managed

Accounts

(Column C) Number ofManaged Accounts

(Column B)Non-Managed Assets

(Column A) ManagedAssets


4.NRRCONB871NRRCONB870NRRCONB869NRRCONB8684. Personal trust and agency accounts...........................................

5.5. Employee benefit and retirement-related trust and agencyaccounts:

5.a.NRRCONB875NRRCONB874NRRCONB873NRRCONB872a. Employee benefit - defined contribution..............................

5.b.NRRCONB879NRRCONB878NRRCONB877NRRCONB876b. Employee benefit - defined benefit......................................

5.c.NRRCONB883NRRCONB882NRRCONB881NRRCONB880c. Other employee benefit and retirement-related accounts.....

6.NRRCONC002NRRCONC001NRRCONB885NRRCONB8846. Corporate trust and agency accounts.........................................

7.NRRCONJ254NRRCONB888NRRCONJ253NRRCONB8867. Investment management and investment advisory agencyaccounts.........................................................................................

8.NRRCONJ258NRRCONJ257NRRCONJ256NRRCONJ2558. Foundation and endowment trust and agency accounts............

9.NRRCONB893NRRCONB892NRRCONB891NRRCONB8909. Other fiduciary accounts.............................................................

10.NRRCONB897NRRCONB896NRRCONB895NRRCONB89410. Total fiduciary accounts (sum of items 4 through 9)..................

11.NRRCONB899NRRCONB89811. Custody and safekeeping accounts..........................................


13.NRRCONJ262NRRCONJ261NRRCONJ260NRRCONJ25913. Individual Retirement Accounts, Health Savings Accounts, andother similar accounts (included in items 5.c and 11).....................

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

*. Memorandum items 3.a.(1) through 3.b.(2) are to be completed by banks with $1 billion or more in total assets.

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





14.NRRIADB90414. Personal trust and agency accounts..........................................................................................................................

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

15.a.NRRIADB905a. Employee benefit - defined contribution...............................................................................................................

15.b.NRRIADB906b. Employee benefit - defined benefit.......................................................................................................................

15.c.NRRIADB907c. Other employee benefit and retirement-related accounts.....................................................................................

16.NRRIADA47916. Corporate trust and agency accounts.......................................................................................................................

17.NRRIADJ31517. Investment management and investment advisory agency accounts.......................................................................

18.NRRIADJ31618. Foundation and endowment trust and agency accounts...........................................................................................

19.NRRIADA48019. Other fiduciary accounts............................................................................................................................................

20.NRRIADB90920. Custody and safekeeping accounts...........................................................................................................................

21.NRRIADB91021. Other fiduciary and related services income.............................................................................................................

22.0RIAD407022. Total gross fiduciary and related services income (sum of items 14 through 21) (must equal Schedule RI, item5.a)..................................................................................................................................................................................

23.NRRIADC05823. Less: Expenses.........................................................................................................................................................

24.NRRIADA48824. Less: Net losses from fiduciary and related services................................................................................................

25.NRRIADB91125. Plus: Intracompany income credits for fiduciary and related services.......................................................................

26.NRRIADA49126. Net fiduciary and related services income.................................................................................................................

(Column C) All OtherAccounts

(Column B) EmployeeBenefit and

Retirement-Related Trustand Agency Accounts

(Column A) Personal Trustand Agency and

Investment ManagementAgency AccountsDollar amounts in thousands

M.1.1. Managed assets held in fiduciary accounts:

M.1.a.NRRCONJ265NRRCONJ264NRRCONJ263a. Noninterest-bearing deposits................................................................

M.1.b.NRRCONJ268NRRCONJ267NRRCONJ266b. Interest-bearing deposits.......................................................................

M.1.c.NRRCONJ271NRRCONJ270NRRCONJ269c. U.S. Treasury and U.S. Government agency obligations.......................

M.1.d.NRRCONJ274NRRCONJ273NRRCONJ272d. State, county, and municipal obligations................................................

M.1.e.NRRCONJ277NRRCONJ276NRRCONJ275e. Money market mutual funds..................................................................

M.1.f.NRRCONJ280NRRCONJ279NRRCONJ278f. Equity mutual funds................................................................................

M.1.g.NRRCONJ283NRRCONJ282NRRCONJ281g. Other mutual funds................................................................................

M.1.h.NRRCONJ286NRRCONJ285NRRCONJ284h. Common trust funds and collective investment funds...........................

M.1.i.NRRCONJ289NRRCONJ288NRRCONJ287i. Other short-term obligations...................................................................

M.1.j.NRRCONJ292NRRCONJ291NRRCONJ290j. Other notes and bonds...........................................................................

M.1.k.NRRCONJ295NRRCONJ294NRRCONJ293k. Investments in unregistered funds and private equity investments.......

M.1.l.NRRCONJ298NRRCONJ297NRRCONJ296l. Other common and preferred stocks......................................................

M.1.m.NRRCONJ301NRRCONJ300NRRCONJ299m. Real estate mortgages.........................................................................

M.1.n.NRRCONJ304NRRCONJ303NRRCONJ302n. Real estate............................................................................................

M.1.o.NRRCONJ307NRRCONJ306NRRCONJ305o. Miscellaneous assets............................................................................

M.1.p.NRRCONJ310NRRCONJ309NRRCONJ308p.Total managed assets held in fiduciary accounts (for each column, sumof Memorandum items 1.a through 1.o)....................................................

(Column B) Number of ManagedAccounts

(Column A) Managed AssetsDollar amounts in thousands

M.1.q.NRRCONJ312NRRCONJ311q. Investments of managed fiduciary accounts in advised or sponsored mutual funds.............

(Column B) Principal AmountOutstanding

(Column A) Number of IssuesDollar amounts in thousands

M.2.2. Corporate trust and agency accounts:

M.2.a.NRRCONB928NRRCONB927a. Corporate and municipal trusteeships............................................................................

M.2.a.1.NRRCONJ314NRRCONJ3131. Issues reported in Memorandum item 2.a that are in default..................................

M.2.b.NRRCONB929b. Transfer agent, registrar, paying agent, and other corporate agency.............................




(Column B) Market Value ofFund Assets

(Column A) Number of FundsDollar amounts in thousands

M.3.3. Collective investment funds and common trust funds:

M.3.a.NRRCONB932NRRCONB931a. Domestic equity..............................................................................................................

M.3.b.NRRCONB934NRRCONB933b. International/Global equity..............................................................................................

M.3.c.NRRCONB936NRRCONB935c. Stock/Bond blend............................................................................................................

M.3.d.NRRCONB938NRRCONB937d. Taxable bond..................................................................................................................

M.3.e.NRRCONB940NRRCONB939e. Municipal bond...............................................................................................................

M.3.f.NRRCONB942NRRCONB941f. Short term investments/Money market............................................................................

M.3.g.NRRCONB944NRRCONB943g. Specialty/Other...............................................................................................................

M.3.h.NRRCONB946NRRCONB945h. Total collective investment funds (sum of Memorandum items 3.a through 3.g)............

(Column C) Recoveries(Column B) Gross LossesNon-Managed Accounts

(Column A) Gross LossesManaged AccountsDollar amounts in thousands

M.4.4. Fiduciary settlements, surcharges, and other losses:

M.4.a.NRRIADB949NRRIADB948NRRIADB947a. Personal trust and agency accounts.....................................................

M.4.b.NRRIADB952NRRIADB951NRRIADB950b. Employee benefit and retirement-related trust and agency accounts.....

M.4.c.NRRIADB955NRRIADB954NRRIADB953c. Investment management agency accounts...........................................

M.4.d.NRRIADB958NRRIADB957NRRIADB956d. Other fiduciary accounts and related services......................................

M.4.e.NRRIADB961NRRIADB960NRRIADB959e. Total fiduciary settlements, surcharges, and other losses (sum ofMemorandum items 4.a through 4.d) (sum of columns A and B minuscolumn C must equal Schedule RC-T, item 24)........................................

Schedule RC-V - Variable Interest Entities(Column C) Other VIEs(Column B) ABCP

Conduits(Column A) Securitization

VehiclesDollar amounts in thousands

1.1. Assets of consolidated variable interest entities (VIEs) that can be used onlyto settle obligations of the consolidated VIEs:

1.a.0RCONJ9830RCONJ9820RCONJ981a. Cash and balances due from depository institutions.............................

1.b.0RCONJ9860RCONJ9850RCONJ984b. Held-to-maturity securities.....................................................................

1.c.0RCONJ9890RCONJ9880RCONJ987c. Available-for-sale securities...................................................................

1.d.0RCONJ9920RCONJ9910RCONJ990d. Securities purchased under agreements to resell.................................

1.e.0RCONJ9950RCONJ9940RCONJ993e. Loans and leases held for sale..............................................................

1.f.0RCONJ9980RCONJ9970RCONJ996f. Loans and leases, net of unearned income............................................

1.g.0RCONK0020RCONK0010RCONJ999g. Less: Allowance for loan and lease losses............................................

1.h.0RCONK0050RCONK0040RCONK003h. Trading assets (other than derivatives)..................................................

1.i.0RCONK0080RCONK0070RCONK006i. Derivative trading assets........................................................................

1.j.0RCONK0110RCONK0100RCONK009j. Other real estate owned.........................................................................

1.k.0RCONK0140RCONK0130RCONK012k. Other assets..........................................................................................

2.2. Liabilities of consolidated VIEs for which creditors do not have recourse tothe general credit of the reporting bank:

2.a.0RCONK0170RCONK0160RCONK015a. Securities sold under agreements to repurchase..................................

2.b.0RCONK0200RCONK0190RCONK018b. Derivative trading liabilities....................................................................

2.c.0RCONK0230RCONK0220RCONK021c. Commercial paper.................................................................................

2.d.0RCONK0260RCONK0250RCONK024d. Other borrowed money (exclude commercial paper).............................

2.e.0RCONK0290RCONK0280RCONK027e. Other liabilities.......................................................................................

3.0RCONK0320RCONK0310RCONK0303. All other assets of consolidated VIEs (not included in items 1.a. through 1.kabove)...............................................................................................................

4.0RCONK0350RCONK0340RCONK0334. All other liabilities of consolidated VIEs (not included in items 2.a through2.e above).........................................................................................................




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


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

2.TEXT69802. Bank Management Statement.....................................................................................................................................




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