Consolidated Reports of Condition and Income forA Bank With Domestic Offices Only andTotal Assets of Less Than $100 Million�FFIEC 034
This report form is to be filed by banks with domestic officesonly. Banks with branches and consolidated subsidiaries inU.S. territories and possessions, Edge or Agreementsubsidiaries, foreign branches, consolidated foreignsubsidiaries, or International Banking Facilities must fileFFIEC 031.
Federal Financial Institutions Examination Council
Board of Governors of the Federal Reserve System
OMB Number: 7100-0036
NOTE: The Reports of Condition and Income must be signedby an authorized officer and the Report of Condition must beattested to by not less than two directors (trustees) for Statenonmember banks and three directors for State member andNational banks.
of the named bank do hereby declare that these Reports ofCondition and Income (including the supporting schedules)have been prepared in conformance with the instructionsissued by the appropriate Federal regulatory authority andare true to the best of my knowledge and belief.
The Reports of Condition and Income are to be prepared inaccordance with Federal regulatory authority instructions.NOTE: These instructions may in some cases differ fromgenerally accepted accounting principles.
We, the undersigned directors (trustees), attest to the cor-rectness of this Report of Condition (including the supportingschedules) and declare that it has been examined by us andto the best of our knowledge and belief has been prepared inconformance with the instructions issued by the appropriateFederal regulatory authority and is true and correct.
I,
Name and Title of Officer Authorized to Sign Report
This report is required by law: 12 U.S.C. §324 (Statemember banks); 12 U.S.C. §1817 (State nonmember banks);and 12 U.S.C. §161 (National banks).
State Member Banks: Return the original and one copy to theappropriate Federal Reserve District Bank.
State Nonmember Banks: Return the original only in thespecial return address envelope provided. If express mail isused in lieu of the special return address envelope, return theoriginal only to the FDIC, c/o Quality Data Systems, 2127Espey Court, Suite 204, Crofton, MD 21114.
Director (Trustee)
Director (Trustee)
Director (Trustee)
1Please refer to page i,
Table of Contents, for
the required disclosure
of estimated burden.
FDIC Certificate Number Banks should affix the address label in this space.
Board of Governors of the Federal Reserve System, Federal Deposit Insurance Corporation, Office of the Comptroller of the Currency
National Banks: Return the original only in the special return
address envelope provided. If express mail is used in lieu ofthe special return address envelope, return the original onlyto the FDIC, c/o Quality Data Systems, 2127 Espey Court,Suite 204, Crofton, MD 21114.
For Banks Submitting Hard Copy Report Forms:
(RCRI 9050)
Federal Deposit Insurance Corporation
OMB Number: 3064-0052
Office of the Comptroller of the Currency
OMB Number: 1557-0081
Expires March 31, 1999
Date of Signature
Signature of Officer Authorized to Sign Report
Legal Title of Bank (TEXT 9010)
City (TEXT 9130)
State Abbrev. (TEXT 9200) ZIP Code (TEXT 9220)
(970331)(RCRI 9999)Report at the close of business March 31, 1997
Cover
RI-1, 2, 3
RI-3
RI-4, 5
RI-5, 6
RC-1, 2
RC-3, 4
RC-5, 6
RC-6a, 6b
RC-7, 8
RC-9
RC-9
RC-10
RC-11, 12
RC-13, 14
RC-15
RC-16, 17
RC-18, 19
RC-20
Consolidated Reports of Condition and Income for
A Bank With Domestic Offices Only and Total Assets Less Than $100 Million
Table of Contents
Signature Page
Report of Income
Schedule RI�Income Statement .................
Schedule RI-A�Changes in Equity Capital ...........
Schedule RI-B�Charge-offs and Recoveries and
Changes in Allowance for Loan and Lease
Losses .....................................................
Schedule RI-E�Explanations ..........................
Disclosure of Estimated Burden
The estimated average burden associated with this information collection is
34.1 hours per respondent and is estimated to vary from 15 to 400 hours per
response, depending on individual circumstances. Burden estimates include the
time for reviewing instructions, gathering and maintaining data in the required
form, and completing the information collection, but exclude the time for
compiling and maintaining business records in the normal course of a
respondent's activities. A Federal agency may not conduct or sponsor, and an
organization (or a person) is not required to respond to a collection of
information, unless it displays a currently valid OMB control number.
Comments concerning the accuracy of this burden estimate and suggestions
for reducing this burden should be directed to the Office of Information and
Regulatory Affairs, Office of Management and Budget, Washington, D.C.
20503, and to one of the following:
Secretary
Board of Governors of the Federal Reserve System
Washington, D.C. 20551
Legislative and Regulatory Analysis Division
Office of the Comptroller of the Currency
Washington, D.C. 20219
Assistant Executive Secretary
Federal Deposit Insurance Corporation
Washington, D.C. 20429
2
For information or assistance, national and state nonmember banks should contact the FDIC�s Call Reports Analysis Unit,
550 17th Street, NW, Washington, D.C. 20429, toll free on (800) 688-FDIC(3342), Monday through Friday between
8:00 a.m. and 5:00 p.m., Eastern time. State member banks should contact their Federal Reserve District Bank.
FFIEC 034Page i
Report of Condition
Schedule RC�Balance Sheet ........................
Schedule RC-B�Securities ...........................
Schedule RC-C�Loans and Lease Financing
Receivables:
Part I. Loans and Leases ...........................
Part II. Loans to Small Businesses and
Small Farms (included in the forms for
June 30 only) ...................................
Schedule RC-E�Deposit Liabilities .................
Schedule RC-F�Other Assets ...........................
Schedule RC-G�Other Liabilities .......................
Schedule RC-K�Quarterly Averages ................
Schedule RC-L�Off-Balance Sheet
Items ..................................................
Schedule RC-M�Memoranda ....................
Schedule RC-N�Past Due and Nonaccrual
Loans, Leases, and Other Assets .................
Schedule RC-O�Other Data for Deposit
Insurance and FICO Assessments ...........
Schedule RC-R�Regulatory Capital ............
Optional Narrative Statement Concerning
the Amounts Reported in the Reports
of Condition and Income .............................
Special Report (to be completed by all banks)
Schedule RC-J�Repricing Opportunities (sent only to
and to be completed only by savings banks)
1. Interest income:
a. Interest and fee income on loans :
(1) Total loans (to be completed only by those banks with less than $25 million in
total assets) ...................................................................................................................
The following four items are to be completed only by those banks with $25 million or more
in total assets :
(2) Real estate loans .............................................................................................................
(3) Installment loans .............................................................................................................
(4) Credit cards and related plans ............................................................................................
(5) Commercial (time and demand) and all other loans ................................................................
b. Income from lease financing receivables ..................................................................................
c. Interest income on balances due from depository institutions³ .....................................................
d. Interest and dividend income on securities:
(1) Securities issued by states and political subdivisions in the U.S.:
(a) Taxable securities .......................................................................................................
(b) Tax-exempt securities ..................................................................................................
(2) U.S. Government and other debt securities ..........................................................................
(3) Equity securities (including investments in mutual funds) .......................................................
e. Interest income from trading assets ..........................................................................................
f. Interest income on federal funds sold and securities purchased under agreements to resell .............
g. Total interest income (sum of items 1.a through 1.f) .................................................................
1,2
1,2
Consolidated Report of Income
for the period January 1, 1997�March 31, 1997
Dollar Amounts in Thousands
1.a.(1)
1.a.(2)
1.a.(3)
1.a.(4)
1.a.(5)
1.b.
1.c.
1.d.(1)(a)
1.d.(1)(b)
1.d.(2)
1.d.(3)
1.e.
1.f.
1.g.
RIAD4010
RIAD4246
RIAD4247
RIAD4248
RIAD4249
RIAD4065
RIAD4115
RIAD4506
RIAD4507
RIAD3660
RIAD3659
RIAD4069
RIAD4020
RIAD4107
All Report of Income schedules are to be reported on a calendar year-to-date basis in thousands of dollars.
Schedule RI�Income Statement
3
I180
ThouMil
4
4
FDIC Certificate Number
Affix the address label in this space.
Legal Title of Bank
City
Zip CodeState
FFIEC 034Page RI-1
¹ See instructions for loan classifications used in this schedule.
² The $25 million asset size test is generally based on the total assets reported on the June 30, 1996 Report of Condition.
³ Includes interest income on time certificates of deposit not held for trading.
Report interest income on �term federal funds sold� in Schedule RI, item 1.a., �Interest and fee income on loans.�
*
2.a.(1)
2.a.(2)(a)
2.a.(2)(b)
2.a.(2)(c)
2.a.(2)(d)
2.b.
2.c.
2.e.
2.f.
5.a.
5.b.(1)
5.b.(2)
7.a.
7.b.
7.c.
2. Interest expense:
a. Interest on deposits:
(1) Transaction accounts (NOW accounts, ATS accounts, and telephone
and preauthorized transfer accounts) ...............................................................
(2) Nontransaction accounts:
(a) Money market deposit accounts (MMDAs) ....................................................
(b) Other savings deposits .............................................................................
(c) Time deposits of $100,000 or more ...........................................................
(d) Time deposits of less than $100,000 ..........................................................
b. Expense of federal funds purchased¹ and securities sold under agreements
to repurchase ....................................................................................................
c. Interest on demand notes issued to the U.S. Treasury, trading liabilities,
and other borrowed money .....................................................................................
d. Not applicable
e. Interest on subordinated notes and debentures ........................................................
f. Total interest expense (sum of items 2.a through 2.e) ..............................................
3. Net interest income (item 1.g minus 2.f) ...................................................................
4. Provisions:
a. Provision for loan and lease losses .......................................................................
b. Provision for allocated transfer risk ......................................................................
5. Noninterest income:
a. Service charges on deposit accounts ....................................................................
b. Other noninterest income:
(1) Other fee income ..........................................................................................
(2) All other noninterest income* .........................................................................
c. Total noninterest income (sum of items 5.a and 5.b) ...............................................
6. a. Realized gains (losses) on held-to-maturity securities ..............................................
b. Realized gains (losses) on available-for-sale securities ..............................................
7. Noninterest expense:
a. Salaries and employee benefits ............................................................................
b. Expenses of premises and fixed assets (net of rental income)
(excluding salaries and employee benefits and mortgage interest) ..............................
c. Other noninterest expense* ................................................................................
d. Total noninterest expense (sum of items 7.a through 7.c) ........................................
8. Income (loss) before income taxes and extraordinary items and other adjustments
(item 3 plus or minus items 4.a, 4.b, 5.c, 6.a, 6.b, and 7.d) .......................................
9. Applicable income taxes (on item 8) .........................................................................
10. Income (loss) before extraordinary items and other adjustments (item 8 minus 9) ...........
11. Extraordinary items and other adjustments, net of income taxes* ................................
12. Net income (loss) (sum of items 10 and 11) ..............................................................
RIAD4243
RIAD4230
RIAD4074
Dollar Amounts in Thousands
RIAD4508
RIAD4509
RIAD4511
RIADA517
RIADA518
RIAD4180
RIAD4185
RIAD4200
RIAD4073
RIAD4080
RIAD5407
RIAD5408
RIAD4135
RIAD4217
RIAD4092
Schedule RI�Continued
4
Year-to-date
3.
4.a.
4.b.
5.c.
6.a.
6.b.
7.d.
8.
9.
10.
11.
12.
RIAD4079
RIAD3521
RIAD3196
RIAD4093
RIAD4301
RIAD4302
RIAD4300
RIAD4320
RIAD4340
ThouMil
FFIEC 034Page RI-2
¹ Report the expense of �term federal funds purchased� in Schedule RI, item 2.c,
�Interest on demand notes issued to the U.S. Treasury, trading liabilities, and other borrowed money.�
Describe on Schedule RI-E�Explanations.
Memoranda
1. Interest expense incurred to carry tax-exempt securities, loans, and leases acquired after
August 7, 1986, that is not deductible for federal income tax purposes .................................................
2. Income from the sale and servicing of mutual funds and annuities (included in
Schedule RI, item 8) ........................................................................................................................
3. Estimated income on tax-exempt loans and leases to states and political subdivisions in the U.S.
(reportable in Schedule RC-C, part I, items 7 and 9) included in Schedule RI, items 1.a and 1.b,
above (excludes income on tax-exempt securities) .............................................................................
4. Number of full-time equivalent employees at end of current period (round to nearest
whole number) ..............................................................................................................................
5. Cash dividends declared during the calendar year to date
(to be reported only with March, June, and September Reports of Income) ...........................................
6. To be completed by banks with $25 million or more in total assets and with loans to finance
agricultural production and other loans to farmers (Schedule RC-C, part I, item 3) exceeding
five percent of total loans.²
Interest and fee income on agricultural loans¹ (included in item 1.a above) ............................................
7. If the reporting bank has restated its balance sheet as a result of applying push down
accounting this calendar year, report the date of the bank�s acquisition .......................................
8.�10. Not applicable
11. Does the reporting bank have a Subchapter S election in effect for federal income tax purposes
for the current tax year? ..................................................................................................................
12. Deferred portion of total applicable income taxes included in Schedule RI, items 9 and 11
(to be reported with the December Report of Income) .......................................................................
RIAD4513
RIAD8431
RIAD4313
RIAD4150
RIAD4475
RIAD4251
5
Schedule RI�Continued
ThouMil
M.1.
M.2.
M.3.
M.4.
M.5.
M.6.
M.7.
M.11.
M.12.
Year-to-date
Dollar Amounts in Thousands ThouMil
YYDD
I181
Number
MMRIAD9106
¹ See instructions for loan classifications used in this schedule.
² The $25 million asset size test and the five percent of total loans test are generally based on the total assets reported on the
June 30, 1996 Report of Condition.
FFIEC 034Page RI-3
Indicate decreases and losses in parentheses.
1. Total equity capital originally reported in the December 31, 1996, Reports of Condition and Income ........
2. Equity capital adjustments from amended Reports of Income, net* .....................................................
3. Amended balance end of previous calendar year (sum of items 1 and 2) ..............................................
4. Net income (loss) (must equal Schedule RI, item 12) .........................................................................
5. Sale, conversion, acquisition, or retirement of capital stock, net ..........................................................
6. Changes incident to business combinations, net ................................................................................
7. LESS: Cash dividends declared on preferred stock ........................................................................
8. LESS: Cash dividends declared on common stock .........................................................................
9. Cumulative effect of changes in accounting principles from prior years* (see instructions for
this schedule) ...........................................................................................................................
10. Corrections of material accounting errors from prior years* (see instructions for this schedule) ..........
11. Change in net unrealized holding gains (losses) on available-for-sale securities .................................
12. Other transactions with parent holding company* (not included in items 5, 7, or 8 above) ................
13. Total equity capital end of current period (sum of items 3 through 12) (must equal
Schedule RC, item 28.a) ...........................................................................................................
*Describe on Schedule RI-E�Explanations.
Dollar Amounts in ThousandsRIAD3215
RIAD3216
RIAD3217
RIAD4340
RIAD4346
RIAD4356
RIAD4470
RIAD4460
RIAD4411
RIAD4412
RIAD8433
RIAD4415
RIAD3210
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
I183
ThouMil
Schedule RI-A�Changes in Equity Capital
Schedule RI-A is to be reported with the December Report of Income.
RIADA530
RIAD4772
ThouMil
NOYES
Legal Title of Bank
FDIC Certificate Number
1. Real estate loans ...............................................................................................
2. Installment loans ...............................................................................................
3. Credit cards and related plans .............................................................................
4. Commercial (time and demand) and all other loans .................................................
5. Lease financing receivables .................................................................................
6. Total (sum of items 1 through 5) .........................................................................
Memoranda
1. To be completed by banks with loans to finance agricultural production and
other loans to farmers (Schedule RC-C, part I, item 3) exceeding five percent
of total loans.
Agricultural loans included in part I, items 1 through 4, above .................................
2.�3. Not applicable
4. Loans to finance commercial real estate, construction, and land development
activities (not secured by real estate) included in Schedule RI-B, part I,
items 2 through 4, above ..................................................................................
5. Real estate loans (sum of Memorandum items 5.a through 5.e must equal
Schedule RI-B, part I, item 1, above):
a. Construction and land development .................................................................
b. Secured by farmland ......................................................................................
c. Secured by 1�4 family residential properties:
(1) Revolving, open-end loans secured by 1�4 family residential properties
and extended under lines of credit ...............................................................
(2) All other loans secured by 1�4 family residential properties ...........................
d. Secured by multifamily (5 or more) residential properties ....................................
e. Secured by nonfarm nonresidential properties ...................................................
RIAD4269
RIAD5444
RIAD5446
RIAD5448
RIAD5450
RIAD5452
RIAD5454
RIAD5456
RIAD4268
RIAD5443
RIAD5445
RIAD5447
RIAD5449
RIAD5451
RIAD5453
RIAD5455
¹ See instructions for loan classifications used in this schedule.
FFIEC 034Page RI-4
6
RIAD4257
RIAD4259
RIAD4263
RIAD4265
RIAD4267
RIAD4605
Dollar Amounts in Thousands
I186
Calendar year-to-date
(Column A)Charge-offs
(Column B)Recoveries
Schedule RI-B�Charge-offs and Recoveries and Changes in Allowance
for Loan and Lease Losses
Part I. Charge-offs and Recoveries on Loans and Leases¹
RIAD4256
RIAD4258
RIAD4262
RIAD4264
RIAD4266
RIAD4635
1.
2.
3.
4.
5.
6.
M.1.
M.4.
M.5.a.
M.5.b.
M.5.c.(1)
M.5.c.(2)
M.5.d.
M.5.e.
ThouMilThouMil
Dollar Amounts in Thousands ThouMilThouMil
1. All other noninterest income (from Schedule RI, item 5.b.(2))
Report amounts that exceed 10% of Schedule RI, item 5.b.(2):
a. Net gains (losses) on other real estate owned ..................................................................................
b. Net gains (losses) on sales of loans ................................................................................................
c. Net gains (losses) on sales of premises and fixed assets ...................................................................
Itemize and describe the three largest other amounts that exceed 10% of Schedule RI, item 5.b.(2):
d.
e.
f.
2. Other noninterest expense (from Schedule RI, item 7.c):
a. Amortization expense of intangible assets ........................................................................................
Report amounts that exceed 10% of Schedule RI, item 7.c:
b. Net (gains) losses on other real estate owned ..................................................................................
c. Net (gains) losses on sales of loans ................................................................................................
d. Net (gains) losses on sales of premises and fixed assets ...................................................................
Itemize and describe the three largest other amounts that exceed 10% of Schedule RI, item 7.c:
e.
f.
g.
1. Balance originally reported in the December 31, 1996, Reports of Condition and Income ..........................
2. Recoveries (must equal part I, item 6, column B above) .......................................................................
3. LESS: Charge-offs (must equal part I, item 6, column A above) .............................................................
4. Provision for loan and lease losses (must equal Schedule RI, item 4.a) ....................................................
5. Adjustments* (see instructions for this schedule) .................................................................................
6. Balance end of current period (sum of items 1 through 5) (must equal Schedule RC, item 4.b) .................
Part II. Changes in Allowance for Loan and Lease Losses
7Legal Title of Bank
FDIC Certificate Number
Schedule RI-B�Continued
RIAD3124
RIAD4605
RIAD4635
RIAD4230
RIAD4815
RIAD3123
Dollar Amounts in Thousands
1.
2.
3.
4.
5.
6.
*Describe on Schedule RI-E�Explanations
ThouMil
Part II is to be reported with the December Report of Income.
RIAD5415
RIAD5416
RIAD5417
RIAD4461
RIAD4462
RIAD4463
RIAD4531
RIAD5418
RIAD5419
RIAD5420
RIAD4464
RIAD4467
RIAD4468
1.a.
1.b.
1.c.
1.d.
1.e.
1.f.
2.a.
2.b.
2.c.
2.d.
2.e.
2.f.
2.g.
Dollar Amounts in Thousands
Year-to-date
Schedule RI-E is to be completed each quarter on a calendar year-to-date basis.
Schedule RI-E�Explanations
Detail all adjustments in Schedule RI-A and RI-B, all extraordinary items and other adjustments in Schedule RI, and all
significant items of other noninterest income and other noninterest expense in Schedule RI. (See instructions for details.)
TEXT4464
TEXT4467
TEXT4468
TEXT4461
TEXT4462
TEXT4463
I195
ThouMil
FFIEC 034Page RI-5
3. Extraordinary items and other adjustments and applicable income tax effect (from Schedule RI,
item 11) (itemize and describe all extraordinary items and other adjustments):
a. (1)
(2) Applicable income tax effect
b. (1)
(2) Applicable income tax effect
c. (1)
(2) Applicable income tax effect
4. Equity capital adjustments from amended Reports of Income (from Schedule RI-A, item 2)
(itemize and describe all adjustments):
a.
b.
5. Cumulative effect of changes in accounting principles from prior years
(from Schedule RI-A, item 9) (itemize and describe all changes in accounting principles):
a. Effect of change to GAAP from previous non-GAAP instructions
b.
6. Corrections of material accounting errors from prior years (from Schedule RI-A, item 10)
(itemize and describe all corrections):
a.
b.
7. Other transactions with parent holding company (from Schedule RI-A, item 12)
(itemize and describe all such transactions):
a.
b.
8. Adjustments to allowance for loan and lease losses (from Schedule RI-B, part II, item 5)
(itemize and describe all adjustments):
a.
b.
9. Other explanations (the space below is provided for the bank to briefly describe, at its option,
any other significant items affecting the Report of Income):
No comment (RIAD 4769)
Other explanations (please type or print clearly):
(TEXT 4769)
RIAD4469
RIAD4487
RIAD4489
RIAD4492
RIAD4493
RIADA546
RIAD4495
RIAD4496
RIAD4497
RIAD4498
RIAD4499
RIAD4521
RIAD4522
Dollar Amounts in Thousands
Schedule RI-E�Continued
TEXT4492
TEXT4493
TEXTA546
TEXT4495
TEXT4496
TEXT4497
TEXT4469
TEXT4487
TEXT4489
8
3.a.(1)
3.a.(2)
3.b.(1)
3.b.(2)
3.c.(1)
3.c.(2)
4.a.
4.b.
5.a.
5.b.
6.a.
6.b.
7.a.
7.b.
8.a.
8.b.
Year-to-date
RIAD4486
RIAD4488
RIAD4491
ThouMil
TEXT4498
TEXT4499
TEXT4521
TEXT4522
I198 I199
FFIEC 034Page RI-6
ASSETS
1. Cash and balances due from depository institutions:
a. Noninterest-bearing balances and currency and coin .....................................................................
b. Interest-bearing balances³ .............................................................................................................
2. Securities:
a. Held-to-maturity securities (from Schedule RC-B, column A) .............................................................
b. Available-for-sale securities (from Schedule RC-B, column D) ...........................................................
3. Federal funds sold and securities purchased under agreements to resell ..............................................
4. Loans and lease financing receivables:
a. Loans and leases, net of unearned income (from Schedule RC-C) ..............................
b. LESS: Allowance for loan and lease losses ............................................................
c. LESS: Allocated transfer risk reserve ....................................................................
d. Loans and leases, net of unearned income, allowance, and reserve (item 4.a
minus 4.b and 4.c) .....................................................................................................................
5. Trading assets ................................................................................................................................
6. Premises and fixed assets (including capitalized leases) ......................................................................
7. Other real estate owned (from Schedule RC-M) .................................................................................
8. Investments in unconsolidated subsidiaries and associated companies (from Schedule RC-M) ...................
9. Customers' liability to this bank on acceptances outstanding ...............................................................
10. Intangible assets (from Schedule RC-M) ............................................................................................
11. Other assets (from Schedule RC-F) ...................................................................................................
12. a. Total assets (sum of items 1 through 11) .......................................................................................
b. Losses deferred pursuant to 12 U.S.C. 1823(j) ...............................................................................
c. Total assets and losses deferred pursuant to 12 U.S.C. 1823(j) (sum of items 12.a and 12.b) ..............
1.a.
1.b.
2.a.
2.b.
3.
4.a.
4.b.
4.c.
4.d.
5.
6.
7.
8.
9.
10.
11.
12.a.
12.b.
12.c.
Consolidated Report of Condition for Insured Commercial
and State-Chartered Savings Banks for March 31, 1997
Dollar Amounts in Thousands
RCON0081
RCON0071
RCON1754
RCON1773
RCON1350
RCON2125
RCON3545
RCON2145
RCON2150
RCON2130
RCON2155
RCON2143
RCON2160
RCON2170
RCON0306
RCON0307
All schedules are to be reported in thousands of dollars. Unless otherwise indicated,
report the amount outstanding as of the last business day of the quarter.
Schedule RC�Balance Sheet
RCON2122
RCON3123
RCON3128
FFIEC 034Page RC-1
9
Affix the address label in this space.
Legal Title of Bank
City
Zip CodeState
FDIC Certificate Number
ThouMil
C100
1,2
4
¹ Includes cash items in process of collection and unposted debits.
² The amount reported in this item must be greater than or equal to the sum of Schedule RC-M, items 3.a and 3.b.
³ Includes time certificates of deposit not held for trading.
Report �term federal funds sold� in Schedule RC, item 4.a, �Loans and leases, net of unearned income,� and in Schedule RC-C, part I.4
LIABILITIES
13. Deposits:
a. In domestic offices (sum of totals of columns A and C from Schedule RC-E) .................................
(1) Noninterest-bearing¹ .................................................................................
(2) Interest-bearing .......................................................................................
b. In foreign offices, Edge and Agreement subsidiaries, and IBFs .....................................................
(1) Noninterest-bearing ............................................................................................................
(2) Interest-bearing .................................................................................................................
14. Federal funds purchased² and securities sold under agreements to repurchase ..................................
15. a. Demand notes issued to the U.S. Treasury ................................................................................
b. Trading liabilities ....................................................................................................................
16. Other borrowed money (includes mortgage indebtedness and obligations under capitalized leases):
a. With a remaining maturity of one year or less ............................................................................
b. With a remaining maturity of more than one year .......................................................................
17. Not applicable
18. Bank's liability on acceptances executed and outstanding ...............................................................
19. Subordinated notes and debentures³ ...............................................................................................
20. Other liabilities (from Schedule RC-G) ...........................................................................................
21. Total liabilities (sum of items 13 through 20) .................................................................................
22. Not applicable
EQUITY CAPITAL
23. Perpetual preferred stock and related surplus .................................................................................
24. Common stock ...........................................................................................................................
25. Surplus (exclude all surplus related to preferred stock) ....................................................................
26. a. Undivided profits and capital reserves .......................................................................................
b. Net unrealized holding gains (losses) on available-for-sale securities ..............................................
27. Cumulative foreign currency translation adjustments ......................................................................
28. a. Total equity capital (sum of items 23 through 27) ......................................................................
b. Losses deferred pursuant to 12 U.S.C. 1823(j) ...........................................................................
c. Total equity capital and losses deferred pursuant to 12 U.S.C. 1823(j) (sum of items 28.a
and 28.b) ..............................................................................................................................
29. Total liabilities, limited-life preferred stock, equity capital, and losses deferred pursuant to
12 U.S.C. 1823(j) (sum of items 21 and 28.c) .............................................................................
Memorandum
To be reported only with the March Report of Condition.
1. Indicate in the box at the right the number of the statement below that best describes the
most comprehensive level of auditing work performed for the bank by independent external
auditors as of any date during 1996 .................................................................................................
Dollar Amounts in Thousands
RCON2200
RCON2800
RCON2840
RCON3548
RCON2332
RCON2333
RCON2920
RCON3200
RCON2930
RCON2948
RCON3838
RCON3230
RCON3839
RCON3632
RCON8434
RCON3210
RCON0306
RCON3559
RCON2257
Schedule RC�Continued
¹ Includes total demand deposits and noninterest-bearing time and savings deposits.
² Report �term federal funds purchased� in Schedule RC, item 16, �Other borrowed money.�
³ Includes limited-life preferred stock and related surplus.
1 = Independent audit of the bank conducted in accordance with
generally accepted auditing standards by a certified public
accounting firm which submits a report on the bank
2 = Independent audit of the bank's parent holding company con-
ducted in accordance with generally accepted auditing standards
by a certified public accounting firm which submits a report on the
consolidated holding company (but not on the bank separately)
3 =Directors' examination of the bank conducted in accordance with
generally accepted auditing standards by a certified public
accounting firm (may be required by state chartering authority)
4 =Directors' examination of the bank performed by other external
auditors (may be required by state chartering authority)
5 =Review of the bank's financial statements by external auditors
6 =Compilation of the bank's financial statements by external
auditors
7 =Other audit procedures (excluding tax preparation work)
8 =No external audit work
13.a.
13.a.(1)
13.a.(2)
14.
15.a.
15.b.
16.a.
16.b.
18.
19.
20.
21.
23.
24.
25.
26.a.
26.b.
28.a.
28.b.
28.c.
29.
M.1.
RCON6631
RCON6636
RCON6724
Number
FFIEC 034Page RC-2
10
ThouMil
1. U.S. Treasury securities ...........................................
2. U.S. Government agency obligations
(exclude mortgage-backed securities):
a. Issued by U.S. Government agencies² .....................
b. Issued by U.S. Government-sponsored
agencies³ ...........................................................
3. Securities issued by states and political
subdivisions in the U.S.:
a. General obligations ..............................................
b. Revenue obligations ............................................
c. Industrial development and similar obligations .........
4. Mortgage-backed securities (MBS):
a. Pass-through securities:
(1) Guaranteed by GNMA ....................................
(2) Issued by FNMA and FHLMC ..........................
(3) Other pass-through securities ...........................
b. Other mortgage-backed securities (include
CMOs, REMICs, and stripped MBS):
(1) Issued or guaranteed by FNMA,
FHLMC, or GNMA .........................................
(2) Collateralized by MBS issued or guaranteed
by FNMA, FHLMC, or GNMA ..........................
(3) All other mortgage-backed securities.................
5. Other debt securities ..............................................
6. Equity securities:
a. Investments in mutual funds and other equity
securities with readily determinable fair values ......
b. All other equity securities¹ (includes Federal
Reserve stock) ....................................................
7. Total (sum of items 1 through 6) (total of
column A must equal Schedule RC, item 2.a)
(total of column D must equal Schedule RC,
item 2.b) ..............................................................
FFIEC 034Page RC-3
11
RCON1287
RCON1293
RCON1298
RCON1679
RCON1691
RCON1697
RCON1702
RCON1707
RCON1713
RCON1717
RCON1732
RCON1736
RCON1777
RCONA511
RCON1753
RCON1773
RCON1286
RCON1291
RCON1297
RCON1678
RCON1690
RCON1696
RCON1701
RCON1706
RCON1711
RCON1716
RCON1731
RCON1735
RCON1776
RCONA510
RCON1752
RCON1772
RCON0213
RCON1290
RCON1295
RCON1677
RC0N1686
RCON1695
RCON1699
RCON1705
RCON1710
RCON1715
RCON1719
RCON1734
RCON1775
RCON1771
RCON0211
RCON1289
RCON1294
RCON1676
RCON1681
RCON1694
RCON1698
RCON1703
RCON1709
RCON1714
RCON1718
RCON1733
RCON1774
RCON1754
Schedule RC-B�Securities
Exclude assets held for trading.
Held-to-maturity Available-for-sale
(Column A)Amortized Cost
(Column B)Fair Value
(Column C)Amortized Cost
(Column D)Fair Value¹
1.
2.a.
2.b.
3.a.
3.b.
3.c.
4.a.(1)
4.a.(2)
4.a.(3)
4.b.(1)
4.b.(2)
4.b.(3)
5.
6.a.
6.b.
7.
Dollar Amounts in Thousands
C110
ThouMilThouMilThouMilThouMil
¹ Includes equity securities without readily determinable fair values at historical cost in item 6.b, column D.
² Includes Small Business Administration �Guaranteed Loan Pool Certificates,� U.S. Maritime Administration obligations, and Export-Import Bank
participation certificates.
³ Includes obligations (other than mortgage-backed securities) issued by the Farm Credit System, the Federal Home Loan Bank System, the Federal
Home Loan Mortgage Corporation, the Federal National Mortgage Association, the Financing Corporation, Resolution Funding Corporation, the
Student Loan Marketing Association, and the Tennessee Valley Authority.
Memoranda
1. Pledged securities¹ ....................................................................................................................
2. Maturity and repricing data for debt securities (excluding those in nonaccrual status):
a. Fixed rate debt securities with a remaining maturity of:
(1) Three months or less ..........................................................................................................
(2) Over three months through 12 months .................................................................................
(3) Over one year through five years .........................................................................................
(4) Over five years ..................................................................................................................
(5) Total fixed rate debt securities (sum of Memorandum items 2.a.(1) through 2.a.(4)) ...................
b. Floating rate debt securities with a repricing frequency of:
(1) Quarterly or more frequently ................................................................................................
(2) Annually or more frequently, but less frequently than quarterly ................................................
(3) Every five years or more frequently, but less frequently than annually ........................................
(4) Less frequently than every five years ....................................................................................
(5) Total floating rate debt securities (sum of Memorandum items 2.b.(1) through 2.b.(4)) ...............
c. Total debt securities (sum of Memorandum items 2.a.(5) and 2.b.(5)) (must equal total
debt securities from Schedule RC-B, sum of items 1 through 5, columns A and D, minus
nonaccrual debt securities included in Schedule RC-N, item 6, column C) ......................................
3.�5. Not applicable
6. Floating rate debt securities with a remaining maturity of one year or less (included in
Memorandum items 2.b.(1) through 2.b.(4) above) ........................................................................
7. Amortized cost of held-to-maturity securities sold or transferred to available-for-sale or
trading securities during the calendar year-to-date (report the amortized cost at date of sale
or transfer) ................................................................................................................................
8. High-risk mortgage securities (included in the held-to-maturity and available-for-sale
accounts in Schedule RC-B, item 4.b):
a. Amortized cost .......................................................................................................................
b. Fair value ...............................................................................................................................
9. Structured notes (included in the held-to-maturity and available-for-sale accounts in
Schedule RC-B, items 2, 3, and 5):
a. Amortized cost .......................................................................................................................
b. Fair value ..............................................................................................................................
¹ Includes held-to-maturity securities at amortized cost and available-for-sale securities at fair value.
² Exclude equity securities, e.g., investments in mutual funds, Federal Reserve stock, common stock, and preferred stock.
³ Memorandum items 2 and 6 are not applicable to savings banks that must complete supplemental Schedule RC-J.
Dollar Amounts in Thousands
Schedule RC-B�Continued
RCON0416
RCON0343
RCON0344
RCON0345
RCON0346
RCON0347
RCON4544
RCON4545
RCON4551
RCON4552
RCON4553
RCON0393
RCON5519
RCON1778
RCON8780
RCON8781
RCON8782
RCON8783
M.1.
M.2.a.(1)
M.2.a.(2)
M.2.a.(3)
M.2.a.(4)
M.2.a.(5)
M.2.b.(1)
M.2.b.(2)
M.2.b.(3)
M.2.b.(4)
M.2.b.(5)
M.2.c.
M.6.
M.7.
M.8.a.
M.8.b.
M.9.a.
M.9.b.
1, 2, 3
FFIEC 034Page RC-4
12Legal Title of Bank
FDIC Certificate Number
C112
ThouMil
1, 3
1. Loans secured by real estate:
a. Construction and land development .......................................................................................
b. Secured by farmland (including farm residential and other improvements) ...................................
c. Secured by 1�4 family residential properties:
(1) Revolving, open-end loans secured by 1�4 family residential properites and extended
under lines of credit ........................................................................................................
(2) All other loans secured by 1�4 family residential properties:
(a) Secured by first liens .................................................................................................
(b) Secured by junior liens ...............................................................................................
d. Secured by multifamily (5 or more) residential properties ...........................................................
e. Secured by nonfarm nonresidential properties ..........................................................................
2. Loans to depository institutions ................................................................................................
3. Loans to finance agricultural production and other loans to farmers ...............................................
4. Commercial and industrial loans ................................................................................................
5. Acceptances of other banks .....................................................................................................
6. Loans to individuals for household, family, and other personal expenditures (i.e., consumer
loans) (includes purchased paper):
a. Credit cards and related plans (includes check credit and other revolving credit plans) ..................
b. Other (includes single payment, installment, and all student loans) .............................................
7. Obligations (other than securities and leases) of states and political subdivisions in the U.S.
(includes nonrated industrial development obligations) .................................................................
8. All other loans (exclude consumer loans) ...................................................................................
9. Lease financing receivables (net of unearned income) ..................................................................
10. LESS: Any unearned income on loans reflected in items 1�8 above ...............................................
11. Total loans and leases, net of unearned income (sum of items 1 through 9 minus item 10)
(must equal Schedule RC, item 4.a) ..........................................................................................
1.a.
1.b.
1.c.(1)
1.c.(2)(a)
1.c.(2)(b)
1.d.
1.e.
2.
3.
4.
5.
6.a.
6.b.
7.
8.
9.
10.
11.
FFIEC 034Page RC-5
RCON1415
RCON1420
RCON1797
RCON5367
RCON5368
RCON1460
RCON1480
RCON1489
RCON1590
RCON1766
RCON1755
RCON2008
RCON2011
RCON2107
RCON2080
RCON2165
RCON2123
RCON2122
Dollar Amounts in Thousands
13
Schedule RC-C�Loans and Lease Financing Receivables
Do not deduct the allowance for loan and lease losses from amounts reported in this schedule.
Report total loans and leases, net of unearned income. Exclude assets held for trading and commercial paper.
Part I. Loans and Leases
C115
ThouMil
1. Loans¹ and leases restructured and in compliance with modified terms (included in
Schedule RC-C, part I, above and not reported as past due or nonaccrual in Schedule RC-N,
Memorandum item 1):
a. Real estate loans ...................................................................................................................
b. All other loans and all lease financing receivables (exclude loans to individuals for
household, family, and other personal expenditures) .................................................................
2. Maturity and repricing data for loans and leases² (excluding those in nonaccrual status):
a. Fixed rate loans and leases with a remaining maturity of:
(1) Three months or less .......................................................................................................
(2) Over three months through 12 months ..............................................................................
(3) Over one year through five years .......................................................................................
(4) Over five years ................................................................................................................
(5) Total fixed rate loans and leases (sum of Memorandum items 2.a.(1) through 2.a.(4)) ..............
b. Floating rate loans with a repricing frequency of:
(1) Quarterly or more frequently ............................................................................................
(2) Annually or more frequently, but less frequently than quarterly .............................................
(3) Every five years or more frequently, but less frequently than annually .....................................
(4) Less frequently than every five years .................................................................................
(5) Total floating rate loans (sum of Memorandum items 2.b.(1) through 2.b.(4)) .........................
c. Total loans and leases (sum of Memorandum items 2.a.(5) and 2.b.(5)) (must equal
the sum of total loans and leases, net, from Schedule RC-C, part I, item 11,
plus unearned income from Schedule RC-C, part I, item 10, minus total nonaccrual loans
and leases from Schedule RC-N, sum of items 1 through 5, column C) ........................................
d. Floating rate loans with a remaining maturity of one year or less (included in
Memorandum items 2.b.(1) through 2.b.(4) above) ....................................................................
3. Reserved
4. 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 8, page RC-5³ .................
5. Loans and leases held for sale (included in Schedule RC-C, part I, above) ........................................
6. Adjustable rate closed-end loans secured by first liens on 1�4 family residential properties
(included in Schedule RC-C, part I, item 1.c.(2)(a), page RC-5) ......................................................
FFIEC 034Page RC-6
Dollar Amounts in Thousands
14
Schedule RC-C�Continued
Memoranda
Part I. Continued
¹ See instructions for loan classifications used in Memorandum item 1.² Memorandum item 2 is not applicable to savings banks that must complete supplemental Schedule RC-J.³ Exclude loans secured by real estate that are included in Schedule RC-C, part I, items 1.a through 1.e.
M.1.a.
M.1.b.
M.2.a.(1)
M.2.a.(2)
M.2.a.(3)
M.2.a.(4)
M.2.a.(5)
M.2.b.(1)
M.2.b.(2)
M.2.b.(3)
M.2.b.(4)
M.2.b.(5)
M.2.c.
M.2.d.
M.4.
M.5.
M.6.
RCON1617
RCON8691
RCON0348
RCON0349
RCON0356
RCON0357
RCON0358
RCON4554
RCON4555
RCON4561
RCON4564
RCON4567
RCON1479
RCONA246
RCON2746
RCON5369
RCON5370
ThouMil
FDIC Certificate Number
Affix the address label in this space.
Legal Title of Bank
City
Zip CodeState
Memoranda
1. Selected components of total deposits (i.e., sum of item 8, columns A and C):
a. Total Individual Retirement Accounts (IRAs) and Keogh Plan accounts ...........................................
b. Total brokered deposits ...........................................................................................................
c. Fully insured brokered deposits (included in Memorandum item 1.b above):
(1) Issued in denominations of less than $100,000 .....................................................................
(2) Issued either in denominations of $100,000 or in denominations greater than
$100,000 and participated out by the broker in shares of $100,000 or less ..............................
d. Maturity data for brokered deposits:
(1) Brokered deposits issued in denominations of less than $100,000 with a remaining
maturity of one year or less (included in Memorandum item 1.c.(1) above) .................................
(2) Brokered deposits issued in denominations of $100,000 or more with a remaining
maturity of one year or less (included in Memorandum item 1.b. above) .....................................
e. Preferred deposits (uninsured deposits of states and political subdivisions in the U.S.
reported in item 3 above which are secured or collateralized as required under state law) ...................
2. Components of total nontransaction accounts (sum of Memorandum items 2.a through 2.c
must equal item 8, column C, above):
a. Savings deposits:
(1) Money market deposit accounts (MMDAs) .............................................................................
(2) Other savings deposits (excludes MMDAs) ............................................................................
b. Total time deposits of less than $100,000 .................................................................................
c. Total time deposits of $100,000 or more ..................................................................................
3. All NOW accounts (included in column A above) ............................................................................
4. Not applicable
Deposits of:
1. Individuals, partnerships, and corporations ......................................
2. U.S. Government ........................................................................
3. States and political subdivisions in the U.S. ....................................
4. Commercial banks in the U.S. (including U.S. branches and
agencies of foreign banks) ...........................................................
5. Other depository institutions in the U.S. .........................................
6. Certified and official checks ..........................................................
7. Banks in foreign countries, foreign governments, and foreign
official institutions .......................................................................
8. Total (sum of items 1 through 7) (sum of columns A and C
must equal Schedule RC, item 13.a) ..............................................
Dollar Amounts in Thousands
RCON6835
RCON2365
RCON2343
RCON2344
RCONA243
RCONA244
RCON5590
RCON6810
RCON0352
RCON6648
RCON2604
RCON2398
Schedule RC-E�Deposit Liabilities
FFIEC 034Page RC-7
15
Transaction Accounts
Nontransaction
Accounts
(Column A)Total
transactionaccounts(including
total demanddeposits)
(Column B)Memo: Total
demanddeposits
(included incolumn A)
(Column C)Total
nontransactionaccounts(includingMMDAs)
RCON2346
RCON2520
RCON2530
RCON2550
RCON2349
RCON2186
RCON2385
RCON2240
RCON2280
RCON2290
RCON2310
RCON2312
RCON2330
RCON2185
RCON2210
RCON2201
RCON2202
RCON2203
RCON2206
RCON2207
RCON2330
RCON2184
RCON2215
Dollar Amounts in Thousands
C125
ThouMilThouMilThouMil
1.
2.
3.
4.
5.
6.
7.
8.
M.1.a.
M.1.b.
M.1.c.(1)
M.1.c.(2)
M.1.d.(1)
M.1.d.(2)
M.1.e.
M.2.a.(1)
M.2.a.(2)
M.2.b.
M.2.c.
M.3.
ThouMil
5. Maturity and repricing data for time deposits of less than $100,000 (sum of Memorandum
items 5.a.(1) through 5.b.(3) must equal Memorandum item 2.b above):¹
a. Fixed rate time deposits of less than $100,000 with a remaining maturity of:
(1) Three months or less .........................................................................................................
(2) Over three months through 12 months .................................................................................
(3) Over one year ...................................................................................................................
b. Floating rate time deposits of less than $100,000 with a repricing frequency of:
(1) Quarterly or more frequently ................................................................................................
(2) Annually or more frequently, but less frequently than quarterly .................................................
(3) Less frequently than annually ...............................................................................................
c. Floating rate time deposits of less than $100,000 with a remaining maturity of one year or
less (included in Memorandum items 5.b.(1) through 5.b.(3) above) ...............................................
6. Maturity and repricing data for time deposits of $100,000 or more (i.e., time certificates
of deposit of $100,000 or more and open-account time deposits of $100,000 or more)
(sum of Memorandum items 6.a.(1) through 6.b.(4) must equal Memorandum item 2.c above):¹
a. Fixed rate time deposits of $100,000 or more with a remaining maturity of:
(1) Three months or less ..........................................................................................................
(2) Over three months through 12 months ..................................................................................
(3) Over one year through five years ..........................................................................................
(4) Over five years ..................................................................................................................
b. Floating rate time deposits of $100,000 or more with a repricing frequency of:
(1) Quarterly or more frequently ................................................................................................
(2) Annually or more frequently, but less frequently than quarterly ................................................
(3) Every five years or more frequently, but less frequently than annually ......................................
(4) Less frequently than every five years ....................................................................................
c. Floating rate time deposits of $100,000 or more with a remaining maturity of one year or
less (included in Memorandum items 6.b.(1) through 6.b.(4) above) ...............................................
Dollar Amounts in Thousands
M.5.a.(1)
M.5.a.(2)
M.5.a.(3)
M.5.b.(1)
M.5.b.(2)
M.5.b.(3)
M.5.c.
M.6.a.(1)
M.6.a.(2)
M.6.a.(3)
M.6.a.(4)
M.6.b.(1)
M.6.b.(2)
M.6.b.(3)
M.6.b.(4)
M.6.c.
RCONA225
RCONA226
RCONA227
RCONA228
RCONA229
RCONA230
RCONA231
RCONA232
RCONA233
RCONA234
RCONA235
RCONA236
RCONA237
RCONA238
RCONA239
RCONA240
Schedule RC-E�Continued
¹ Memorandum items 5 and 6 are not applicable to savings banks that must complete supplemental Schedule RC-J.
Memoranda (Continued)
Legal Title of Bank
FDIC Certificate Number
ThouMil
FFIEC 034Page RC-8
16
1. a. Interest accrued and unpaid on deposits ..........................................................................................
b. Other expenses accrued and unpaid (includes accrued income taxes payable) .......................................
2. Net deferred tax liabilities² .................................................................................................................
3. Minority interest in consolidated subsidiaries .......................................................................................
4. Other (itemize and describe amounts greater than $25,000 that exceed 25% of this item) ........................
a.
b.
c.
5. Total (sum of items 1 through 4) (must equal Schedule RC, item 20) ......................................................
¹ Report income earned, not collected on securities (and on other assets) in item 4 of Schedule RC-F.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 assetsin Schedule RC, item 5, as appropriate.For savings banks, include �dividends� accrued and unpaid on deposits.
1. Income earned, not collected on loans¹ ...............................................................................................
2. Net deferred tax assets² ....................................................................................................................
3. Interest-only strips receivable (not in the form of a security)³ on:
a. Mortgage loans ............................................................................................................................
b. Other financial assets ...................................................................................................................
4. Other (itemize and describe amounts greater than $25,000 that exceed 25% of this item) ........................
a.
b.
c.
5. Total (sum of items 1 through 4) (must equal Schedule RC, item 11) ......................................................
Memorandum
1. Deferred tax assets disallowed for regulatory capital purposes ...............................................................
Dollar Amounts in Thousands
Schedule RC-F�Other Assets
Schedule RC-G�Other Liabilities
1.
2.
3.a.
3.b.
4.
4.a.
4.b.
4.c.
5.
M.1.
1.a.
1.b.
2.
3.
4.
4.a.
4.b.
4.c.
5.
RCON2164
RCON2148
RCONA519
RCONA520
RCON2168
RCON2160
Dollar Amounts in Thousands
RCON3645
RCON3646
RCON3049
RCON3000
RCON2938
RCON2930
Dollar Amounts in Thousands
RCON5610
RCON3549
RCON3550
RCON3551
TEXT3552
TEXT3553
TEXT3554
RCON3552
RCON3553
RCON3554
TEXT3549
TEXT3550
TEXT3551
C130
ThouMil
ThouMil
ThouMil
FFIEC 034Page RC-9
17
C135
4
4
ASSETS
1. Interest-bearing balances due from depository institutions ...................................................................
2. a. U.S. Treasury securities, U.S. Government agency obligations, and other debt securities
(excluding securities issued by states and political subdivisions in the U.S.) .......................................
b. Equity securities (includes investments in mutual funds and Federal Reserve stock) ...........................
3. Securities issued by states and political subdivisions in the U.S. ..........................................................
4. Federal funds sold and securities purchased under agreements to resell .................................................
5. Loans :
a. Total loans, net of unearned income (to be completed only by those banks with less than
$25 million in total assets) ...........................................................................................................
The following four items are to be completed only by those banks with $25 million or more in
total assets.
b. Real estate loans ........................................................................................................................
c. Installment loans ........................................................................................................................
d. Credit cards and related plans .......................................................................................................
e. Commercial (time and demand) and all other loans ...........................................................................
6. Lease financing receivables (net of unearned income) ..........................................................................
7. Total assets ................................................................................................................................
LIABILITIES
8. Interest-bearing transaction accounts (NOW accounts, ATS accounts, and telephone and
preauthorized transfer accounts) (exclude demand deposits) .................................................................
9. Nontransaction accounts:
a. Money market deposit accounts (MMDAs) ......................................................................................
b. Other savings deposits ................................................................................................................
c. Time deposits of $100,000 or more .............................................................................................
d. Time deposits of less than $100,000 ...........................................................................................
10. Federal funds purchased and securities sold under agreements to repurchase ..........................................
Memorandum
1. To be completed by banks with $25 million or more in total assets and with loans to finance
agricultural production and other loans to farmers (Schedule RC-C, part I, item 3) exceeding
five percent of total loans.³
Agricultural loans included in items 5.b through 5.e above ...................................................................
¹ For all items, banks have the option of reporting either (1) an average of daily figures for the quarter, or (2) an average of weekly figures
(i.e., the Wednesday of each week of the quarter). In addition, averages of four month-end figures (the last day of the preceding quarter
and of each month of the currently-reported quarter) are allowed for items 2, 3, 5.a through 5.e, 6, 7, and Memorandum item 1.
² See instructions for loan classifications used in this schedule.
³ The $25 million asset size test and the five percent of total loans test are generally based on the total assets and total loans reported on
the June 30, 1996 Report of Condition.
Quarterly averages for all debt securities should be based on amortized cost.
Quarterly averages for all equity securities should be based on historical cost.
The quarterly average for total assets should reflect all debt securities (not held for trading) at amortized cost, equity securities with readily
determinable fair values at the lower of cost or fair value, and equity securities without readily determinable fair values at historical cost.
1.
2.a.
2.b.
3.
4.
5.a.
5.b.
5.c.
5.d.
5.e.
6.
7.
8.
9.a.
9.b.
9.c.
9.d.
10.
M.1.
Dollar Amounts in Thousands
RCON3381
RCON3649
RCON3648
RCON3383
RCON3365
RCON3360
RCON3286
RCON3287
RCON3288
RCON3289
RCON3484
RCON3368
RCON3485
RCON3486
RCON3487
RCONA514
RCONA529
RCON3353
Schedule RC-K�Quarterly Averages¹
FFIEC 034Page RC-10
18Legal Title of Bank
FDIC Certificate Number
C155
ThouMil
4
4
5
2,3
6
Dollar Amounts in Thousands
RCON3379
5
6
4
ThouMil
1. Unused commitments:
a. Revolving, open-end lines secured by 1�4 family residential properties, e.g., home equity lines ...........
b. Credit card lines ........................................................................................................................
c. Commercial real estate, construction, and land development:
(1) Commitments to fund loans secured by real estate ...................................................................
(2) Commitments to fund loans not secured by real estate .............................................................
d. Securities underwriting ..............................................................................................................
e. Other unused commitments ........................................................................................................
2. Financial standby letters of credit¹ ...................................................................................................
a. Amount of financial standby letters of credit conveyed to others .............................
3. Performance standby letters of credit¹ .............................................................................................
a. Amount of performance standby letters of credit conveyed to others .........................
4. Commercial and similar letters of credit¹ .........................................................................................
5. Not applicable
6. Participations in acceptances (as described in the instructions) acquired by the reporting
(nonaccepting) bank .....................................................................................................................
7. Securities borrowed ......................................................................................................................
8. Securities lent (including customers� securities lent where the customer is indemnified against
loss by the reporting bank) .............................................................................................................
9. Financial assets transferred with recourse that have been treated as sold for Call Report purposes:
a. First lien 1-to-4 family residential mortgage loans:
(1) Outstanding principal balance of mortgages transferred as of the report date .............................
(2) Amount of recourse exposure on these mortgages as of the report date ...................................
b. Other financial assets (excluding small business obligations reported in item 9.c):
(1) Outstanding principal balance of assets transferred as of the report date ..................................
(2) Amount of recourse exposure on these assets as of the report date .........................................
c. Small business obligations transferred with recourse under Section 208 of the Riegle
Community Development and Regulatory Improvement Act of 1994:
(1) Outstanding principal balance of small business obligations transferred as of the
report date ..........................................................................................................................
(2) Amount of retained recourse on these obligations as of the report date .......................................
10. Notional amount of credit derivatives:
a. Credit derivatives on which the reporting bank is the guarantor ......................................................
b. Credit derivatives on which the reporting bank is the beneficiary ....................................................
11. Spot foreign exchange contracts ....................................................................................................
12. All other off-balance sheet liabilities (exclude off-balance sheet derivatives) (itemize and describe
each component of this item over 25% of Schedule RC, item 28.a, �Total equity capital�) ....................
a.
b.
c.
d.
¹ Do not report letters of credit as �contra� items in �Other assets� (Schedule RC-F) and �Other liabilities� (Schedule RC-G).
ThouMilDollar Amounts in Thousands
1.a.
1.b.
1.c.(1)
1.c.(2)
1.d.
1.e.
2.
2.a.
3.
3.a.
4.
6.
7.
8.
9.a.(1)
9.a.(2)
9.b.(1)
9.b.(2)
9.c.(1)
9.c.(2)
10.a.
10.b.
11.
12.
12.a.
12.b.
12.c.
12.d.
RCON3814
RCON3815
RCON3816
RCON6550
RCON3817
RCON3818
RCON3819
RCON3821
RCON3411
RCON3429
RCON3432
RCON3433
RCONA521
RCONA522
RCONA523
RCONA524
RCONA249
RCONA250
RCONA534
RCONA535
RCON8765
RCON3430
Schedule RC-L�Off-Balance Sheet Items
Please read carefully the instructions for the preparation of Schedule RC-L. Some of the amounts
reported in Schedule RC-L are regarded as volume indicators and not necessarily as measures of risk.
RCON3820
RCON3822
FFIEC 034Page RC-11
19
C160
RCON3555
RCON3556
RCON3557
RCON3558
TEXT3555
TEXT3556
TEXT3557
TEXT3558
14. Gross amounts (e.g., notional amounts) (for each
column, sum of items 14.a through 14.e
must equal sum of items 15, 16.a, and 16.b):
a. Futures contracts ..............................................
b. Forward contracts .............................................
c. Exchange-traded option contracts:
(1) Written options ............................................
(2) Purchased options .......................................
d. Over-the-counter option contracts:
(1) Written options ...........................................
(2) Purchased options .......................................
e. Swaps ...........................................................
15. Total gross notional amount of derivative
contracts held for trading ........................................
16. Total gross notional amount of derivative
contracts held for purposes other than trading:
a. Contracts marked to market ...............................
b. Contracts not marked to market .........................
13. All other off-balance sheet assets (exclude off-balance sheet derivatives) (itemize and describe
each component of this item over 25% of Schedule RC, item 28.a, �Total equity capital�) ....................
a.
b.
c.
d.
ThouMil
Memoranda
1.�2. Not applicable
3. Unused commitments with an original maturity exceeding one year that are reported in
Schedule RC-L, items 1.a through 1.e, above (report only the unused portions of commitments
that are fee paid or otherwise legally binding) ................................................................................
13.
13.a.
13.b.
13.c.
13.d.
14.a.
14.b.
14.c.(1)
14.c.(2)
14.d.(1)
14.d.(2)
14.e.
15.
16.a.
16.b.
M.3.
Schedule RC-L�Continued
FFIEC 034Page RC-12
20Legal Title of Bank
FDIC Certificate Number
Dollar Amounts in Thousands
Off-balance Sheet Derivatives
Position Indicators
(Column A)Interest
RateContracts
(Column B)Foreign
ExchangeContracts
(Column C)Equity
DerivativeContracts
(Column D)Commodityand OtherContracts
C161
ThouMil
RCON8696
RCON8700
RCON8704
RCON8708
RCON8712
RCON8716
RCON8720
RCON8724
RCON8728
RCON8732
ThouMil
RCON8693
RCON8697
RCON8701
RCON8705
RCON8709
RCON8713
RCON3450
RCONA126
RCON8725
RCON8729
ThouMil
RCON8694
RCON8698
RCON8702
RCON8706
RCON8710
RCON8714
RCON3826
RCONA127
RCON8726
RCON8730
ThouMil
RCON8695
RCON8699
RCON8703
RCON8707
RCON8711
RCON8715
RCON8719
RCON8723
RCON8727
RCON8731
Dollar Amounts in Thousands
RCON3833
ThouMil
RCON5592
RCON5593
RCON5594
RCON5595
TEXT5592
TEXT5593
TEXT5594
TEXT5595
RCON5591
Dollar Amounts in Thousands
1. Extensions of credit by the reporting bank to its executive officers, directors, principal
shareholders, and their related interests as of the report date:
a. Aggregate amount of all extensions of credit to all executive officers, directors, principal
shareholders, and their related interests .....................................................................................
b. Number of executive officers, directors, and principal shareholders to whom the
amount of all extensions of credit by the reporting bank (including extensions of
credit to related interests) equals or exceeds the lesser of $500,000 or 5 percent
of total capital as defined for this purpose in agency regulations ...........................
2. Not applicable
3. a. Noninterest-bearing balances due from commercial banks in the U.S. (included in Schedule RC,
item 1.a) (exclude balances due from Federal Reserve Banks and cash items in process of
collection) ..............................................................................................................................
b. Currency and coin (included in Schedule RC, item 1.a) ................................................................
4. Outstanding principal balance of 1�4 family residential mortgage loans serviced for others
(include both retained servicing and purchased servicing):
a. Mortgages serviced under a GNMA contract ..............................................................................
b. Mortgages serviced under a FHLMC contract:
(1) Serviced with recourse to servicer ........................................................................................
(2) Serviced without recourse to servicer ...................................................................................
c. Mortgages serviced under a FNMA contract:
(1) Serviced under a regular option contract ..............................................................................
(2) Serviced under a special option contract ...............................................................................
d. Mortgages serviced under other servicing contracts ....................................................................
5. Not applicable
6. Intangible assets:
a. Mortgage servicing assets .........................................................................................................
b. Other identifiable intangible assets:
(1) Purchased credit card relationships ......................................................................................
(2) All other identifiable intangible assets ...................................................................................
c. Goodwill ...............................................................................................................................
d. Total (sum of items 6.a through 6.c) (must equal Schedule RC, item 10) .......................................
e. Amount of intangible assets (included in item 6.b.(2) above) that have been grandfathered
or are otherwise qualifying for regulatory capital purposes ............................................................
7. Mandatory convertible debt, net of common or perpetual preferred stock dedicated to
redeem the debt ........................................................................................................................
8. a. Other real estate owned:
(1) Direct and indirect investments in real estate ventures ............................................................
(2) All other real estate owned:
(a) Construction and land development ................................................................................
(b) Farmland .....................................................................................................................
(c) 1�4 family residential properites .....................................................................................
(d) Multifamily (5 or more) residential properties ....................................................................
(e) Nonfarm nonresidential properties ...................................................................................
(3) Total (sum of items 8.a.(1) and 8.a.(2)) (must equal Schedule RC, item 7) ................................
b. Investments in unconsolidated subsidiaries and associated companies:
(1) Direct and indirect investments in real estate ventures ...........................................................
(2) All other investments in unconsolidated subsidiaries and associated companies .........................
(3) Total (sum of items 8.b.(1) and 8.b.(2)) (must equal Schedule RC, item 8) ...............................
Dollar Amounts in Thousands
1.a.
1.b.
3.a.
3.b.
4.a.
4.b.(1)
4.b.(2)
4.c.(1)
4.c.(2)
4.d.
6.a.
6.b.(1)
6.b.(2)
6.c.
6.d.
6.e.
7.
8.a.(1)
8.a.(2)(a)
8.a.(2)(b)
8.a.(2)(c)
8.a.(2)(d)
8.a.(2)(e)
8.a.(3)
8.b.(1)
8.b.(2)
8.b.(3)
Schedule RC-M�Memoranda
FFIEC 034Page RC-13
21
ThouMil
RCON6164
RCON0050
RCON0080
RCON5500
RCON5501
RCON5502
RCON5503
RCON5504
RCON5505
RCON3164
RCON5506
RCON5507
RCON3163
RCON2143
RCON6442
RCON3295
RCON5372
RCON5508
RCON5509
RCON5510
RCON5511
RCON5512
RCON2150
RCON5374
RCON5375
RCON2130
C165
RCON6165
Number
9. Noncumulative perpetual preferred stock and related surplus included in Schedule RC,
item 23, �Perpetual preferred stock and related surplus� ..................................................................
10. Mutual fund and annuity sales during the quarter (include proprietary, private label, and third
party products):
a. Money market funds ................................................................................................................
b. Equity securities funds ............................................................................................................
c. Debt securities funds ..............................................................................................................
d. Other mutual funds ................................................................................................................
e. Annuities ...............................................................................................................................
f. Sales of proprietary mutual funds and annuities (included in items 10.a through 10.e above) ...........
11. Net unamortized realized deferred gains (losses) on off-balance sheet derivative contracts
included in assets and liabilities reported in Schedule RC .................................................................
12. Amount of assets netted against nondeposit liabilities on the balance sheet (Schedule RC)
in accordance with generally accepted accounting principles¹ ..........................................................
1. Reciprocal holdings of banking organizations� capital instruments (to be completed
for the December report only) .......................................................................................................
Dollar Amounts in Thousands
Dollar Amounts in Thousands
9.
10.a.
10.b.
10.c.
10.d.
10.e.
10.f.
11.
12.
Schedule RC-M�Continued
M.1.RCON3836
Memorandum
FFIEC 034Page RC-14
22Legal Title of Bank
FDIC Certificate Number
ThouMil
ThouMil
RCON3778
RCON6441
RCON8427
RCON8428
RCON8429
RCON8430
RCON8784
RCONA525
RCONA526
¹Exclude netted on-balance sheet amounts associated with off-balance sheet derivative contracts, deferred tax assets netted against deferred tax liabilities, and assets netted in accounting for pensions.
1. Real estate loans .......................................................................
2. Installment loans .......................................................................
3. Credit cards and related plans .....................................................
4. Commercial (time and demand) and all other loans ..........................
5. Lease financing receivables .........................................................
6. Debt securities and other assets (exclude other real estate
owned and other repossessed assets) ..........................................
Memoranda
1. Restructured loans and leases included in Schedule RC-N,
items 1 through 5, above (and not reported in Schedule RC-C,
Part I, Memorandum item 1) ...........................................................
2. To be completed by banks with loans to finance agricultural
production and other loans to farmers (Schedule RC-C, part I,
item 3) exceeding five percent of total loans:
Agricultural loans included in Schedule RC-N, items 1
through 4, above ......................................................................
3. Loans to finance commercial real estate, construction, and
land development activities (not secured by real estate)
included in Schedule RC-N, items 2 through 4, above .......................
4. Real estate loans (sum of Memorandum items 4.a through 4.e
must equal Schedule RC-N, item 1, above):
a. Construction and land development ..........................................
b. Secured by farmland ...............................................................
c. Secured by 1�4 family residential properties:
(1) Revolving, open-end loans secured by 1�4 family
residential properties and extended under lines of credit .........
(2) All other loans secured by 1�4 family residential
properties .........................................................................
d. Secured by multifamily (5 or more) residential properties ............
e. Secured by nonfarm nonresidential properties ............................
ThouMil
7. Loans and leases reported in items 1 through 5 above which
are wholly or partially guaranteed by the U.S. Government ..............
a. Guaranteed portion of loans and leases included in item 7
above ...................................................................................
Schedule RC-N�Past Due and Nonaccrual Loans,¹ Leases, and Other Assets
1.
2.
3.
4.
5.
6.
The FFIEC regards the information reported in all of
Memorandum item 1, in items 1 through 7, column A,
and in Memorandum items 2 through 4, column A,
as confidential.
(Column A)Past due
30 through 89days and still
accruing
(Column B)Past due 90days or more
and stillaccruing
(Column C)Nonaccrual
RCON1212
RCON1216
RCON1220
RCON1224
RCON1228
RCON3507
Dollar Amounts in Thousands
Amounts reported in items 1 through 5 above include guaranteed and unguaranteed portions of past due and nonaccrual loans and
leases. Report in item 7 below certain guaranteed loans and leases that have already been included in the amounts reported in
items 1 through 5.
FFIEC 034Page RC-15
23
C170
ThouMil
RCON1211
RCON1215
RCON1219
RCON1223
RCON1227
RCON3506
ThouMil
RCON1210
RCON1214
RCON1218
RCON1222
RCON1226
RCON3505
ThouMil
7.
7.a.
RCON5614
RCON5617
ThouMilRCON5613
RCON5616
ThouMilRCON5612
RCON5615
ThouMil
Dollar Amounts in Thousands
C173
RCON1658
RCON1230
RCON5421
RCON5424
RCON5427
RCON5430
RCON5433
RCON5436
RCON5439
M.1.
M.2.
M.3.
M.4.a.
M.4.b.
M.4.c.(1)
M.4.c.(2)
M.4.d.
M.4.e.
¹ See instructions for loan classifications used in this schedule.
ThouMil
RCON1659
RCON1231
RCON5422
RCON5425
RCON5428
RCON5431
RCON5434
RCON5437
RCON5440
ThouMil
RCON1661
RCON1232
RCON5423
RCON5426
RCON5429
RCON5432
RCON5435
RCON5438
RCON5441
1. Unposted debits (see instructions):
a. Actual amount of all unposted debits .........................................................................................
OR
b. Separate amount of unposted debits:
(1) Actual amount of unposted debits to demand deposits ...........................................................
(2) Actual amount of unposted debits to time and savings deposits¹ ..............................................
2. Unposted credits (see instructions):
a. Actual amount of all unposted credits ........................................................................................
OR
b. Separate amount of unposted credits:
(1) Actual amount of unposted credits to demand deposits ...........................................................
(2) Actual amount of unposted credits to time and savings deposits¹ .............................................
3. Uninvested trust funds (cash) held in bank�s own trust department (not included in total deposits) .......
4. Deposits of consolidated subsidiaries (not included in total deposits):
a. Demand deposits of consolidated subsidiaries .............................................................................
b. Time and savings deposits¹ of consolidated subsidiaries ...............................................................
c. Interest accrued and unpaid on deposits of consolidated subsidiaries .............................................
5. Not applicable
6. Reserve balances actually passed through to the Federal Reserve by the reporting bank on
behalf of its respondent depository institutions that are also reflected as deposit liabilities
of the reporting bank:
a. Amount reflected in demand deposits (included in Schedule RC-E, item 4 or 5, column B) ...............
b. Amount reflected in time and savings deposits¹ (included in Schedule RC-E,
item 4 or 5, column A or C, but not column B) ...........................................................................
7. Unamortized premiums and discounts on time and savings deposits:
a. Unamortized premiums ...........................................................................................................
b. Unamortized discounts ...........................................................................................................
8. To be completed by banks with �Oakar deposits.�
a. Deposits purchased or acquired from other FDIC-insured institutions during the quarter:
(1) Total deposits purchased or acquired from other FDIC-insured institutions during
the quarter .......................................................................................................................
(2) Amount of purchased or acquired deposits reported in item 8.a.(1) above attributable
to a secondary fund (i.e., BIF members report deposits attributable to SAIF; SAIF
members report deposits attributable to BIF) .........................................................................
b. Total deposits sold or transferred to other FDIC-insured institutions during the quarter .....................
9. Deposits in lifeline accounts ........................................................................................................
10. Benefit-responsive �Depository Institution Investment Contracts� (included in total deposits) ...............
1.a.
1.b.(1)
1.b.(2)
2.a.
2.b.(1)
2.b.(2)
3.
4.a.
4.b.
4.c.
6.a.
6.b.
7.a.
7.b.
8.a.(1)
8.a.(2)
8.b.
9.
10.
Dollar Amounts in Thousands
C175
Schedule RC-O�Other Data for Deposit Insurance and FICO Assessments
¹ For FDIC insurance and FICO assessment purposes, �time and savings deposits� consists of nontransaction accounts
and all transaction accounts other than demand deposits.
² Exclude core deposit intangibles.
FFIEC 034Page RC-16
24Legal Title of Bank
FDIC Certificate Number
RCON0030
RCON0031
RCON0032
RCON3510
RCON3512
RCON3514
RCON3520
RCON2211
RCON2351
RCON5514
RCON2314
RCON2315
RCON5516
RCON5517
RCONA531
RCONA532
RCONA533
RCON5596
RCON8432
ThouMil
1, 2
11. Adjustments to demand deposits reported in Schedule RC-E for certain reciprocal
demand balances:
a. Amount by which demand deposits would be reduced if the reporting bank�s reciprocal
demand balances with the domestic offices of U.S. banks and savings associations
and insured branches in Puerto Rico and U.S. territories and possessions that were
reported on a gross basis in Schedule RC-E had been reported on a net basis ...............................
b. Amount by which demand deposits would be increased if the reporting bank�s reciprocal
demand balances with foreign banks and foreign offices of other U.S. banks (other
than insured branches in Puerto Rico and U.S. territories and possessions) that were
reported on a net basis in Schedule RC-E had been reported on a gross basis ...............................
c. Amount by which demand deposits would be reduced if cash items in process of
collection were included in the calculation of the reporting bank�s net reciprocal demand
balances with the domestic offices of U.S. banks and savings associations and insured
branches in Puerto Rico and U.S. territories and possessions in Schedule RC-E .............................
12. Amount of assets netted against deposit liabilities on the balance sheet (Schedule RC)
in accordance with generally accepted accounting principles (exclude amounts related to
reciprocal demand balances):
a. Amount of assets netted against demand deposits ....................................................................
b. Amount of assets netted against time and savings deposits .......................................................
C177
1. Total deposits of the bank (sum of Memorandum items 1.a.(1) and 1.b.(1) must equal
Schedule RC, item 13.a):
a. Deposit accounts of $100,000 or less:
(1) Amount of deposit accounts of $100,000 or less .................................................................
(2) Number of deposit accounts of $100,000 or less (to be
completed for the June report only) ...........................................................
b. Deposit accounts of more than $100,000:
(1) Amount of deposit accounts of more than $100,000 ............................................................
(2) Number of deposit accounts of more than $100,000 ...................................
2. Estimated amount of uninsured deposits of the bank:
a. An estimate of your bank�s uninsured deposits can be determined by multiplying the
number of deposit accounts of more than $100,000 reported in Memorandum item 1.b.(2)
above by $100,000 and subtracting the result from the amount of deposit accounts of
more than $100,000 reported in Memorandum item 1.b.(1) above.
Indicate in the appropriate box at the right whether your bank has a method or procedure
for determining a better estimate of uninsured deposits than the estimate described above .............
b. If the box marked YES has been checked, report the estimate of uninsured deposits
determined by using your bank�s method or procedure ...............................................................
3. Has the reporting institution been consolidated with a parent bank or savings association
in that parent bank�s or parent savings association�s Call Report or Thrift Financial Report?
If so, report the legal title and FDIC Certificate Number of the parent bank or parent savings
association:
Dollar Amounts in Thousands
Schedule RC-O�Continued
11.a.
11.b.
11.c.
12.a.
12.b.
M.1.a.(1)
M.1.a.(2)
M.1.b.(1)
M.1.b.(2)
M.2.a.
M.2.b.
M.3.
Number
RCON3779
RCON2722
Number
YES NO
Memoranda (to be completed each quarter except as noted)
FFIEC 034Page RC-17
25
RCON6861
RCON5597
Dollar Amounts in Thousands
RCON8785
RCONA181
RCONA182
RCONA527
RCONA528
ThouMil
RCON2702
RCON2710
ThouMil
ThouMil
Person to whom questions about the Reports of Condition and Income should be directed:
Name and Title (TEXT 8901) Area code/phone number/extension (TEXT 8902)
FDIC Cert No.TEXTA545 RCON
A545
4. Assets and credit equivalent amounts of off-balance sheet items assigned to
the Zero percent risk category:
a. Assets recorded on the balance sheet ..................................................................
b. Credit equivalent amount of off-balance sheet items ...............................................
2. Portion of qualifying limited-life capital instruments (original weighted average
maturity of at least five years) that is includible in Tier 2 capital:
a. Subordinated debt¹ and intermediate term preferred stock ..............................................................
b. Other limited-life capital instruments ............................................................................................
3. Amounts used in calculating regulatory capital ratios (report amounts determined by the bank
for its own internal regulatory capital analyses consistent with applicable capital standards):
a. Tier 1 capital ..........................................................................................................................
b. Tier 2 capital ..........................................................................................................................
c. Total risk-based capital ............................................................................................................
d. Excess allowance for loan and lease losses (amount that exceeds 1.25% of gross
risk-weighted assets) ...............................................................................................................
e. Net risk-weighted assets (gross risk-weighted assets less excess allowance reported in
item 3.d above and all other deductions) ....................................................................................
f. �Average total assets� (quarterly average reported in Schedule RC-K, item 7, less all assets
deducted from Tier 1 capital)² ...................................................................................................
1. Test for determining the extent to which Schedule RC-R must be completed. To be completed only by
banks with total assets of less than $1 billion. Indicate in the appropriate box at the right whether
the bank has total capital greater than or equal to eight percent of adjusted total assets ................ 1.
Dollar Amounts in Thousands
C180
Schedule RC-R�Regulatory Capital
This schedule must be completed by all banks as follows: Banks that reported total assets of $1 billion or more in Schedule RC,
item 12, for June 30, 1996, must complete items 2 through 9 and Memoranda items 1 and 2. Banks with assets of less than
$1 billion must complete items 1 through 3 below or Schedule RC-R in its entirety, depending on their response to item 1 below.
RCON6056
YES NO
For purposes of this test, adjusted total assets equals total assets less cash, U.S. Treasuries, U.S. Government agency
obligations, and 80 percent of U.S. Government-sponsored agency obligations plus the allowance for loan and lease losses
and selected off-balance sheet items as reported on Schedule RC-L (see instructions).
If the box marked YES has been checked, then the bank only has to complete items 2 and 3 below. If the box marked NO
has been checked, the bank must complete the remainder of this schedule.
A NO response to item 1 does not necessarily mean that the bank�s actual risk-based capital ratio is less than eight percent
or that the bank is not in compliance with the risk-based capital guidelines.
2.a.
2.b.
3.a.
3.b.
3.c.
3.d.
3.e.
3.f.
(Column A)Assets
Recordedon the
Balance Sheet
(Column B)Credit Equiv-alent Amountof Off-BalanceSheet Items³
Items 4�9 and Memoranda items 1 and 2 are to be completed
by banks that answered NO to item 1 above and
by banks with total assets of $1 billion or more.
4.a.
4.b.
¹ Exclude mandatory convertible debt reported in Schedule RC-M, item 7.² Do not deduct excess allowance for loan and lease losses.³ Do not report in column B the risk-weighted amount of assets reported in column A.
FFIEC 034Page RC-18
26Legal Title of Bank
FDIC Certificate Number
RCONA515
RCONA516
RCON8274
RCON8275
RCON3792
RCONA222
RCONA223
RCONA224
ThouMil
RCON3796
ThouMil
RCON5163
ThouMil
NOTE: All banks are required to complete items 2 and 3 below.
See optional worksheet for items 3.a through 3.f.
Memoranda
1. Current credit exposure across all off-balance sheet derivative contracts covered by the
risk-based capital standards ............................................................................................................
2. Notional principal amounts of off-balance
sheet derivative contracts:³
a. Interest rate contracts ................................................................
b. Foreign exchange contracts ........................................................
c. Gold contracts ..........................................................................
d. Other precious metals contracts ...................................................
e. Other commodity contracts .........................................................
f. Equity derivative contracts ..........................................................
5. Assets and credit equivalent amounts of off-balance sheet items assigned to the
20 percent risk category:
a. Assets recorded on the balance sheet ..................................................................
b. Credit equivalent amount of off-balance sheet items ..............................................
6. Assets and credit equivalent amounts of off-balance sheet items assigned to the
50 percent risk category:
a. Assets recorded on the balance sheet ..................................................................
b. Credit equivalent amount of off-balance sheet items ..............................................
7. Assets and credit equivalent amounts of off-balance sheet items assigned to the
100 percent risk category:
a. Assets recorded on the balance sheet ...................................................................
b. Credit equivalent amount of off-balance sheet items ..............................................
8. On-balance sheet asset values excluded from and deducted in the calculation
of the risk-based capital ratio² .................................................................................
9. Total assets recorded on the balance sheet (sum of items 4.a, 5.a, 6.a, 7.a, and 8,
column A) (must equal Schedule RC, item 12.c plus items 4.b and 4.c) .....................
¹ Do not report in column B the risk-weighted amount of assets reported in column A.² Include the difference between the fair value and the amortized cost of available-for-sale debt securities in item 8 and report the amortized cost ofthese debt securities in items 4 through 7 above. For available-for-sale equity securities, if fair value exceeds cost, include the difference between the fair value and the cost in item 8 and report the cost of these equity securities in items 5 through 7 above; if cost exceeds fair value, report the fair value of these equity securities in items 5 through 7 above and include no amount in item 8. Item 8 also includes on-balance sheet asset values (or portions thereof) of off-balance sheet interest rate, foreign exchange rate, and commodity contracts and those contracts (e.g., futures contracts) not subject to risk-based capital. Exclude from item 8 margin accounts and accrued receivables not included in the calculation of credit equivalent amounts of off-balance sheet derivatives as well as any portion of the allowance for loan and lease losses in excess of the amount thatmay be included in Tier 2 capital.
³ Exclude foreign exchange contracts with an original maturity of 14 days or less and all futures contracts.
5.a.
5.b.
6.a.
6.b.
7.a.
7.b.
8.
9.
M.1.
M.2.a.
M.2.b.
M.2.c.
M.2.d.
M.2.e.
M.2.f.
Dollar Amounts in Thousands
(Column A)Assets
Recordedon the
Balance Sheet
(Column B)Credit Equiv-alent Amountof Off-BalanceSheet Items¹
Schedule RC-R�Continued
FFIEC 034Page RC-19
27
RCON8764
Dollar Amounts in Thousands
(Column B)Over
one yearthrough
five years
(Column C)Over
five years
ThouMil
(Column A)One yearor less
With a remaining maturity of
RCON3809
RCON3812
RCON8771
RCON8774
RCON8777
RCONA000
RCON8766
RCON8769
RCON8772
RCON8775
RCON8778
RCONA001
RCON8767
RCON8770
RCON8773
RCON8776
RCON8779
RCONA002
RCON3801
RCON3803
RCON3805
ThouMil
RCON5165
RCON3802
RCON3804
RCON3806
RCON3807
ThouMil
ThouMil
ThouMil
ThouMil
Legal Title of Bank
FDIC Certificate Number
both on agency computerized records and in computer-file
releases to the public.
All information furnished by the bank in the narrative
statement must be accurate and not misleading. Appropriate
efforts shall be taken by the submitting bank to ensure the
statement�s accuracy. The statement must be signed, in the
space provided below, by a senior officer of the bank who
thereby attests to its accuracy.
If, subsequent to the original submission, material changes are
submitted for the data reported in the Reports of Condition
and Income, the existing narrative statement will be deleted
from the files, and from disclosure; the bank, at its option,
may replace it with a statement, under signature, appropriate
to the amended data.
The optional narrative statement will appear in agency records
and in release to the public exactly as submitted (or amended
as described in the preceding paragraph) by the management
of the bank (except for the truncation of statements
exceeding the 750-character limit described above). THE
STATEMENT WILL NOT BE EDITED OR SCREENED IN ANY
WAY BY THE SUPERVISORY AGENCIES FOR ACCURACY OR
RELEVANCE. DISCLOSURE OF THE STATEMENT SHALL NOT
SIGNIFY THAT ANY FEDERAL SUPERVISORY AGENCY HAS
VERIFIED OR CONFIRMED THE ACCURACY OF THE
INFORMATION CONTAINED THEREIN. A STATEMENT TO
THIS EFFECT WILL APPEAR ON ANY PUBLIC RELEASE OF
THE OPTIONAL STATEMENT SUBMITTED BY THE
MANAGEMENT OF THE REPORTING BANK.
The management of the reporting bank may, if it wishes,
submit a brief narrative statement on the amounts reported in
the Reports of Condition and Income. This optional statement
will be made available to the public, along with the publicly
available data in the Reports of Condition and Income, in
response to any request for individual bank report data.
However, the information reported in column A and in all of
Memorandum item 1 of Schedule RC-N is regarded as
confidential and will not be released to the public. BANKS
CHOOSING TO SUBMIT THE NARRATIVE STATEMENT
SHOULD ENSURE THAT THE STATEMENT DOES NOT
CONTAIN THE NAMES OR OTHER IDENTIFICATIONS OF
INDIVIDUAL BANK CUSTOMERS, REFERENCES TO THE
AMOUNTS REPORTED IN THE CONFIDENTIAL ITEMS IN
SCHEDULE RC-N, OR ANY OTHER INFORMATION THAT
THEY ARE NOT WILLING TO HAVE MADE PUBLIC OR THAT
WOULD COMPROMISE THE PRIVACY OF THEIR CUSTOM-
ERS. Banks choosing not to make a statement may check the
�No comment� box below and should make no entries of any
kind in the space provided for the narrative statement; i.e., DO
NOT enter in this space such phrases as �No statement,� �Not
applicable,� �N/A,� �No comment,� and �None.�
The optional statement must be entered on this sheet. The
statement should not exceed 100 words. Further, regardless
of the number of words, the statement must not exceed 750
characters, including punctuation, indentation, and standard
spacing between words and sentences. If any submission
should exceed 750 characters, as defined, it will be truncated
at 750 characters with no notice to the submitting bank and
the truncated statement will appear as the bank�s statement
Optional Narrative Statement Concerning the AmountsReported in the Reports of Condition and Income
No comment (RCON 6979)C171
Legal Title of Bank
at close of business on 19
City State
C172
BANK MANAGEMENT STATEMENT (please type or print clearly):(TEXT 6980)
Signature of Executive Officer of Bank Date of Signature
,
FFIEC 034Page RC-20
28
FDIC Certificate Number
OMB No. For OCC: 1557-0081
OMB No. For FDIC 3064-0052
OMB No. for Federal Reserve: 7100-0036
Expiration Date: 3/31/99
SPECIAL REPORT
(Dollar Amounts in Thousands)
a. Number of loans made to executive officers since the previous Call Report date ..................
b. Total dollar amount of above loans (in thousands of dollars) ..............................................
c. Range of interest charged on above loans
(example: 9¾% = 9.75) .................................................................... __ __ .__ __
NAME AND ADDRESS OF BANK
PLACE LABEL HERE
THIS PAGE IS TO BE COMPLETED BY ALL BANKS
CLOSE OF BUSINESS
DATE
FDIC Certificate Number
C-700
LOANS TO EXECUTIVE OFFICERS (Complete as of each Call Report Date)
RCON3561
RCON3562
RCON7701 % to %
a.b.
c.
The following information is required by Public Laws 90�44 and 102�242, but does not constitute a part of the Report of Condition. With each
Report of Condition, these Laws require all banks to furnish a report of all loans or other extensions of credit to their executive officers made since
the date of the previous Report of Condition. Data regarding individual loans or other extensions of credit are not required. If no such loans or other
extensions of credit were made during the period, insert �none� against subitem (a). (Exclude the first $15,000 of indebtedness of each executive
officer under bank credit card plan.) See Sections 215.2 and 215.3 of Title 12 of the Code of Federal Regulations (Federal Reserve Board
Regulation O) for the definitions of �executive officer� and �extension of credit,� respectively. Exclude loans and other extensions of credit to
directors and principal shareholders who are not executive officers.
RCON7702
29
__ __ .__ __
SIGNATURE AND TITLE OF OFFICER AUTHORIZED TO SIGN REPORT
NAME AND TITLE OF PERSON TO WHOM INQUIRIES MAY BE DIRECTED (TEXT 8903)
DATE (Month, Day, Year)
AREA CODE/PHONE NUMBER/EXTENSION (TEXT 8904)
FDIC 8040/53 (6�95)