from: sent: monday, march 02, 20094:36 pm 1 of3 bogue, richard murray d. anderson sr....

of3

Bogue, Richard

Murray D. Anderson Sr. (Loveisthepay(Çkc.rr.com)

Monday, March 02, 20094:36 PM

Bogue, Richard

'Bill Malek'; 'Green, Robert'

RE: Temporary Liquidity Guarantee Program ------ $30 million for Gateway Bank of St. Louis =$160 Million Capital/Credit

Attachments: Gateway Bank CR FacsimileContainer.pdf; Gateway Bank TGLP Proposal.doc

From:

Sent:

To:

Cc:

Subject:

Mr. Bogue,

In keeping with our discussions on 2-25-09 regarding our request to amend theFDIC- TLGP policy to include capital instrments such as Convertible PreferredStock, Common Stock and or Trust Preferred Securities, when used inconnection with a PPM/IPO capitalization strategy's to fund GatewayBancshares Inc., of St Louis a Minority Multi-Bank Holding Company for thepurpose of recapitalizing Gateway Bank of St. Louis a Minority Bank.

Also we believe that it is imperative that Minority Bank Holding Company begranted these privileges as outlined below only when in fact the aforementionedBHC is prepared to establish a Small Business Investment Corporationdedicated to delivering equity capital to Low and Moderate Income residentEntrepreneurs in the underserved markets of the Federal Reserve Bank Systems10th District.

The establishment of a Small Business Investment Corporation is a keycomponent in fulfilling any Banks (Community Reinvestment Act) commitmentand should be imposed as a rule in connection with our request as is indicated inour core strategies.

In summary we propose the foiiowin~1. Gateway Bancshares Inc., execute a Private Placement

Memorandum (convertible preferred stock) for not less than $30milion securitized by the "Full Faith and Credit of the UnitedStates Government" i.e., FDIC-TLCP.

. Gateway Bancshares Inc., shall raise $10 milion inprivate capital to recapitalize Gateway Bank

. Gateway Bancshares Inc., shall raise $20 milion inprivate capital to fund a Small Business InvestmentCorporation

In addition Gateway Bank shall actively pursue gathering deposits in and

3/9/2009

3/9/2009

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amount not less than $100 million.

I hope this summary will assist your TGLP group in successfully conveying ourcapital objectives to the TGLP policy team.

SincerelyMDA

To: Murray D. Anderson Sr.Cc: Touhey, Alison T.Subject: RE: Trust Preferred Securities ------- US Treasury GuaranteelTemporary Liquidity GuaranteeProgram ------- New Market Tax Credit ----- Capital Assistance Program

Mr. Anderson:

We will call you at 10am EST, 9am CST tomorrow morning to gather facts that may be taken tothe TLGP working group.

From: Murray D. Anderson Sr. (mailto:Loveisthepay(Qkc.r.com)Sent: Tuesday, February 24, 2009 1:43 PM

To: Swann, Benita M.Cc: Bogue, Richard; 'Neel Kashkari'Subject: Trust Preferred Securities ------- US Treasury GuaranteelTemporary Liquidity GuaranteeProgram ------- New Market Tax Credit ----- Capital Assistance Program

Hello Shelia Biar, Chairwoman;

In accordance with our discussion your office on 2-24-09 regarding the Partnership forProgress Initiative-- Temporary Liquidity Guarantee Program, we are convinced that it isin fact imperative that Gateway Bancshares Inc. d/b/a Gateway Bank of St. and FirstBank of Kansas are provided the privilege of access multiple capital instruments includingbut not limited to Trust Preferred Securities, Preferred Stock, US TreasuryGuarantee/Temporary Liquidity Guarantee Program, New Market Tax Credits along withthe Capital Assistance Program to support the implementation of an PPM/IPQ enhancedby the "Full Faith and Credit of the United States Government" to raise private capital inthe public market as outlined in the attachment.

In order for the Gateway Bank of St. Louis and the First Bank of Kansas City to meet theexisting regulatory capital mandate and execute a growth through acquisition strategy,the aforementioned named US Treasury resources must be deployed in a concentratedcoordinated effort as a part of a comprehensive tactical solution to address the systemiccapital-less dysfunctions that plague the underserved market and therefore devastateour ability to build wealth among LMI residence and to create jobs through fundingentrepreneurship.

As you are aware these matters required immediate attention. I am looking forward to

3/9/2009

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working with your Temporary Liquidity Guarantee Program in connection with thePartnership for Progress team at the Federal Reserve Bank along with the US Treasury2/10/09 Capital Assistance Program.

Sincerely

Murray D. Anderson, Sr.

The Gatekeepers ConsultantP,Q Box 70012

Leawood Kansas 66207Ph. 913 402 1442 CelL. 913 909 6563

Fax. 913 402 1443Email: LoveisthepayCQkc.rr.com

Gateway Bancshares Inc., d/b/a Gateway BankRecapitalization Strategy

$30 Milion

Gateway BancsharesEquity Fund

(SBIC)$20 millon - Cap

($40 million Leverage)

Combined Deployable Capital and CreditApproximately

($160 million)

Board of Governors of the Federal Reserve SystemFederal Deposit Insurance Corporation

Office of the Comptroller of the Currency

Federal Financial Institutions Examination Council

.~ QJ

Consolidated Reports of Condition and Income for A Bank With

Domestic Offices Only - FFIEC 041

Institution Name

City

State

Zip Code

Call Report Quarter End Date

Report Type

RSSD-ID

FDIC Certificate Number

acc Charter Number

ABA Routing Number

Last updated on

GATEWAY BANK OF ST. LOUIS

SAINT LOUIS

MO

63115

12/31/2008

041

182157

19450

o

81001442

1/29/2009

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

1. Reporting date.................................................................................................................... RCON9999 20081231

2. FDIC certificate number..................................................................................................... RSSD9050 19450

RSSD9017Gateway Bank of

3. Legal title of bank............................................................................................................... St. Louis4. C~..................................................................................................................................... RSSD9130 St. Louis5. State abbreviation. ............................ .......................... ................... ...... ...... ......................... RSSD9200 MO

6. Zip code.............................................................................................................................. RSSD9220 63315

RSSD-ID 182157Last Updated on 1/29/2009

Bank Demographic InformationDollar amounts in thousands

Contact InformationDollar amounts in thousands

1. Contact Information for the Reports of Condition and Income

a. Chief Financial Officer (or Equivalent) Signing the Reports1. Name.......................................................................................................................

2. Title..........................................................................................................................

3. E-mail Address...... ....... ............... ............ ..... ...... ........ .... ...... .... ............ ... ...... ..........

4. Telephone................................................................................................................

5. FAX.........................................................................................................................

b. Other Person to Whom Questions about the Reports Should be Directed

1. Name.......................................................................................................................

2. Title..........................................................................................................................

3. E-mail Address......... ............. ... ....................... ............ ........ ... ............... ....... ........ ...

4. Telephone...... ......... ..... ... ... ....... .......... ... .............. ........ .................... ...... ............... ...

5. FAX.........................................................................................................................2. Person to whom questions about Schedule RC-T - Fiduciary and Related Services shouldbe directed

a. Name and Title................ ... ...... ......... .............. ... ..... ... ............. ............. .......... ........ .......

b. E-mail Address................ ...... ..... ........... .... ...... ... .............. .... ............ .... ...... ............ .......

c. Telephone..................................................................................................................... .

d. FAX...............................................................................................................................3. Emergency Contact Information

a. Primary Contact1. Name.......................................................................................................................2. Title..........................................................................................................................

3. E-mail Address............................................................ ............................................

4. Telephone................................................................................................................

5. FAX.........................................................................................................................

b. Secondary Contact

1. Name.......................................................................................................................

2. Title..........................................................................................................................

3. E-mail Address........................................................................................................

4. Telephone..................................................... ...........................................................5. FAX.........................................................................................................................

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

a. Primary Contact

1. Name.......................................................................................................................2. Title..........................................................................................................................

3. E-mail Address. ................................... ...... ...... .................... .............. ................... ...4. Telephone..................................................................... ......... ..................................

5. FAX.........................................................................................................................

Quarter End Date 12/31/2008

o

1.

2.

3.

4.

5.

6.

TEXTC490 CONF 1.a.1.



TEXTC493 CONF 1.ao4.


1.b.

TEXTC495 CONF 1.b.1.

TEXTC496 CONF 1.b.2.

TEXT4086 CONF 1.b.3.

TEXT8902 CONF 1.bo4.

TEXT9116 CONF 1..5.

TEXTC366

TEXTC367

TEXTC368

TEXTC369

TEXTC370

3.a.

CONF 3.a.1.

CONF 3.a.2.

CONF 3.a.3.

CONF 3.ao4.

CONF 3.a5.

3.b.

CONF 3.b.1.

CONF 3.b.2.

CONF 3.b.3.

CONF 3.bo4.

CONF 3.b.5.

TEXTC371

TEXTC372

TEXTC373

TEXTC374

TEXTC375

4.

TEXTC437

TEXTC438

TEXTC439

TEXTC440

TEXTC441

4.a.

CONF 4.a.1.

CONF 4.a.2.

CONF 4.a3.

CONF 4.ao4.

CONF 4.a.5.

Ur'\1 LVVrl1 Ur'I'lI'i,... v i. L..Ulv



oDollar amounts in thousands

b. Secondary Contact1 Name....................................................................................................................... TEXTC442 CONF

2. T~e.......................................................................................................................... TEXTC443 CONF

3. E-mail Address......................................................................................................., TEXTC444 CONF

4. Telephone................................................................................................................ TEXTC445 CONF

5. FAX......................................................................................................................... TEXTC446 CONF

c. Third Contact1 Name....................................................................................................................... TEXTC870 CONF

2. ~e.......................................................................................................................... TEXTC871 CONF

3. E-mail Mdmss........................................................................................................ TEXTC872 CONF


5. FAX......................................................................................................................... TEXTC874 CONF

d. Fourth Contact1 Name....................................................................................................................... TEXTC875 CONF

2. Title.......................................................................................................................... TEXTC876 CONF

3. E-mail Mdmss........................................................................................................ TEXTC877 CONF


5. FAX......................................................................................................................... TEXTC879 CONF

4.b.

4.b.1.

4.b.2.

4.b.3.

4.b.4.

4.b.5.

4.c.

4.c.1.

4.c.2.

4.c.3.

4.c.4.

4.c.5.

4.d.

4.d.1.

4.d.2.

4.d.3.

4.d.4.

4.d.5.

Optional Narrative Statement Concerning the Amounts Reported in the Reports ofCondition and Income

Dollar amounts in thousands

;: ~:::e~~::.~.~.~.~.t .~~~~~~~~~:::::::::::::::::::::::::::::::::::::::::: ::::::::::::: ::::::::::::::::::::::::::::::::::::: I

NOI :.RCON6979

TEXT6980

Schedule RI - Income StatementDollar amounts in thousands

1. Interest income:

a. Interest and fee income on loans:1. Loans secured by real estate:

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

b. All other loans secured by real estate.............................................. ..................

2. Commercial and industrial loans.. ... .... ... ...........................................................3. Loans to individuals for household, family, and other personal expenditures:

a. Credit cards.................................. .....................................................................b. Other (includes single payment, installment, all student loans, and revolvingcredit plans other than credit cards)......................................................................

4. Loans to foreign governments and official institutions....................................... ......

5. All other loans... .... ...................... .......................... ........ .................................... ......6. Total interest and fee income on loans......... ................... ........................................

b. Income from lease financing receivables...................... ...... ............ ..............................c. Interest income on balances due from depository institutions......................................d. Interest and dividend income on securities:

1. U.S. Treasury securities and U.S. Government agency obligations (excludingmortgage-backed securities)............... ........... .......... .............................................. .....

2. Mortgage-backed securities....................................................................................3. All other securities (includes securities issued by states and political subdivisionsin the U.S.)..................................................................................................................

e. Interest income from trading assets..............................................................................

1.

1.a.

1.a.1.

1.a.1.a.

1.a.3.

RIADB485 o 1.a.3.a.

RIADB486 141.a.3.b.

RIAD4056 0 1.a.4.

RIAD4058 7 1.a.5.

RIAD4010 2,064 1.a.6.

RIAD4065 0 1.b.

RIAD4115 0 1.c.

1.d.

RIADB488 1481.d.1.

RIADB489 5 1.d.2.

RIAD4060 101.d.3.

RIAD4069 0 1.e.

f. Interest income on federal funds sold and securities purchased under agreements toRIAD4020 24resell.................................................................................................................................

g. Other interest income.......................................... ......................................................... RIAD4518 0

h. Total interest income..................................................................................................... RIAD4107 2,251

2. Interest expense:a. Interest on deposits:

1. Transaction accounts (NOW accounts, ATS accounts, and telephone andRIAD4508 19

preauthorized transfer accounts)....... ......... ... ...................... .......... ...................... .......

2. Nontransaction accounts:a. Savings deposits (includes MMDAs)................................................................. RIAD0093 50

b. Time deposits of $100,000 or more................................................................... RIADA517 158

c. Time deposits of less than $100,000................................................................. RIADA518 824

b. Expense of federal funds purchased and securities sold under agreements toRIAD4180 4

repurchase............. ............... ...................................... ............... .... ...................................

c. Interest on trading liabilities and other borrowed money............... ... .... ......... .... ..... ....... RIAD4185 0

d. Interest on subordinated notes and debentures............ ........... .... .................... ..... ....... RIAD4200 0

e. Total interest expense .................................................................................................. RIAD4073 1,055

3. Net interest income....... ............ ....... ... ......... ............. ..... ..... ...... ...... ... ....... .... ......... ....... ...... RIAD4074 1,196

4. Provision for loan and lease losses.................................................................................... RIAD4230 293

5. Noninterest income:

a. Income from fiduciary activities. .......... ......... ...... ... ... ............................................ ........ RIAD4070 0

b. Service charges on deposit accounts........ ... ........... ..... ........ ............ ............. ... .... ........ RIAD4080 167

c. Trading revenue............................................................................................................. RIADA220 0

d. Not available

1. Fees and commissions from securities brokerage.......... ..................... ................... RIADC886 0

2. Investment banking, advisory, and underwriting fees and commissions........... ...... RIADC888 0

3. Fees and commissions from annuity sales. .................. ................. ..... ........ ............ RIADC887 0

4. Underwriting income from insurance and reinsurance activities............................. RIADC386 0

5. Income from other insurance activities... ..... ................................... .................. ....... RIADC387 0

e. Venture capital revenue.. ............. ...... .............. .......... .......... ... .......... ... ........ .................. RIADB491 0

f. Net servicing fees.......................................................................................................... RIADB492 0

g. Net securitization income. ........... ........... ...... ... ........... ............. ... ...... ............................. RIADB493 0

h. Not applicable

i. Net gains (losses) on sales of loans and leases............................................................ RIAD5416 341

j. Net gains (losses) on sales of other real estate owned................................................. RIAD5415 61

k. Net gains (losses) on sales of other assets (excluding securities)................................ RIADB496 13

i. Other non interest income................................... ............................................................ RIADB497 65

m. Total non interest income.................................... .......................................................... RIAD4079 647

6. Not available , ' "

a. Realized gains (losses) on held-to-maturity securities................................................. RIAD3521 0

b. Realized gains (losses) on available-for-sale securities......................................... ....... RIAD3196 -6

7. Noninterest expense: : ,,:', ,

a. Salaries and employee benefits....... ........................ ........................................ ............. RIAD4135 1,170

b. Expenses of premises and fixed assets (net of rental income) (excluding salaries andRIAD4217 344employee benefits and mortgage interest)..................................................... ..... .............

c. Not available ," ", ,., ,

1. Goodwill impairment losses.................................... ....................................... ......... RIADC216 0

2. Amortization expense and impairment losses for other intangible assets.............. RIADC232 0

d. Other noninterest expense............................................................................................ RIAD4092 1,720

e. Total non interest expense.. ............. ... ................. ..................... ................... ....... ........... RIAD4093 3,234

8. Income (loss) before income taxes and extraordinary items and other adjustments.......... RIAD4301 -1,690




~

1.f.

1.g.

1.h.

2

2.a.

2.a.1.

2.a2.

2.a.2.a.

2.a.2.b.

2.a.2.c.

2.b.

2.c.

2.d.

2.e.

3

4.

5.

5a.

5.b.

5.c.

5.d.

5.d.1.

5.d.2.

5.d.3.

5.dA.

5.d.5.

5.e.

5.f.

5.g.

5.h.

5.i.

5.j.

5.k.

5.1.

5.m.

6

6.a.

6.b.

7.

7.a.

7.b.

7.c

7.c.1

7.c2.

7.d.

7.e.

8.

1. Total equity capital most recently reported for the December 31 , 2007, Reports of ConditionRIAD3217 4,233

and Income (i.e., after adjustments from amended Reports of Income)................................

2. Restatements due to corrections of material accounting errors and changes in accountingRIADB507 -893

principles................................................................................................................... .............3. Balance end of previous calendar year as restated............................................................ RIADB508 3,340

4. Net income (loss)................................................................................................................ RIAD4340 -1,674

5. Sale, conversion, acquisition, or retirement of capital stock, net (excluding treasury stockRIADB509 0

transactions )........................................................ ...... .., ........ ... .......................... .....................

6. Treasury stock transactions, net......................................................................................... RIADB510 0

Ur"1 L-V V 1" I Ur"I"ff'.. VI v I. LVUlv



9. Applicable income taxes (on item 8)...................................................................................

10. Income (loss) before extraordinary items and other adjustments.....................................

11. Extraordinary items and other adjustments, net of income taxes.....................................

12. Net income (loss).............................................................. ................................................

1. Interest expense incurred to carry tax-exempt securities, loans, and leases acquired afterAugust 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 ScheduleRI, item 8)...............................................................................................................................

3. Income on tax-exempt loans and leases to states and political subdivisions in the U.S.(included in Schedule RI, items 1.a and 1.b)..........................................................................4. Income on tax-exempt securities issued by states and political subdivisions in the U.S.(included in Schedule RI, item 1.d.(3))...................................................................................5. Number of full-time equivalent employees at end of current period....... ............................

6. Interest and fee income on loans to finance agricultural production and other loans tofarmers (included in Schedule RI, item 1.a.(5))......................................................................7. If the reporting bank has restated its balance sheet as a result of applying push downaccounting this calendar year, report the date of the bank's acquisition... ...... .... ....... ............

8. Trading revenue (from cash instruments and derivative instruments):

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

b. Foreign exchange exposures........................................................................................

c. Equity security and index exposures..................................................................... ........

d. Commodity and other exposures..................................................................................e. Credit exposures. ....... .... ... ...... ................................... ........... ...... .......... ...... ..... .............

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

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

10. Credit losses on derivatives........... ........................................... ...... ..... ...... ......... ......... .....

11. Does the reporting bank have a Subchapter S election in effect for federal income taxpurposes for the current tax year?........................................................................................12. Noncash income from negative amortization on closed-end loans secured by 1-4 familyresidential properties (included in Schedule RI, item 1.a.(1 )(a))............................................13. Net gains (losses) recognized in earnings on assets and liabilities that are reported atfair value under a fair value option:

a. Net gains (losses) on assets.........................................................................................

1. Estimated net gains (losses) on loans attributable to changes in instrument-specificcredit risk.....................................................................................................................

b. Net gains (losses) on liabilities......................................................................................

1. Estimated net gains (losses) on liabilities attributable to changes ininstrument-specific credit risk..................................................................... ................

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


~

RIAD4302

RIAD4300

RIAD4320

RIAD4340

-16 9.

-1,674 10.

o 11.

-1,674 12.

oRIAD4513M.l.

RIAD8431 oM.2.

RIAD4313 oM.3.

RIAD4507 4

RIAD4150

MA.

19 M.5.

RIAD4024 NRM.6.

RIAD9106 o

RIAD8757

RIAD8758

RIAD8759

RIAD8760

RIADF186

M.7.

M.8.

NR M.8.a.

NR M.8.b.

NR M.8.c.

NR M.8.d.

NR M.8.e.

RIADC889

RIADC890

RIADA251

M.9.

o M.9.a.

o M.9.b.

NR M.l0.

NoRIADA530M.ll.

RIADF228 NRM.12.

RIADF551

M.13.

NR M.13a.

RIADF552 NRM.13.a.1.

NR M.13.b.RIADF553

RIADF554 NRM.13.b.l.

1.

2.

3.

4.

5.

6.

~r'1 LVVnl Ur'I""\. Vi V I. i.VUlv



~


7. Changes incident to business combinations, n~............................................................... RIAD4356 0

8. Cash dividends declared on preferred stock...................................................................... RIAD4470 0

9. Cash dividends declared on common stock....................................................................... RIAD4460 0

10. Other comprehensive income........................................................................................... RIADB511 31

11. Other transactions with parent holding company (not included in items 5, 6, 8, or 9RIAD4415 278

above )....................................................................................................................................12. Total equity capital end of current ~~.......................................................................... RIAD3210 1,975

7.

8.

9.

10.

11.

12.

Schedule RI-B Part i - Charge-ofts and Recoveries on Loans and Leases(Column A) Charge-ofts (Column B) Recoveries

Dollar amounts in thousands Calendar year-to-date Calendar year-to-date

1. Loans secured by real estate:

a. Construction, land development, and other land loans:1. 1-4 family residential construction loans....................................

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

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

1. Revolving, open-end loans secured by 1-4 family residentialproperties and extended under lines of credit.............................2. Closed-end 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:

1. Loans secured by owner-occupied nonfarm nonresidentialproperties......... .... ...... .............. .................................. ......... ....... ...

2. Loans secured by other nonfarm nonresidential properties.......

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

3. Not applicable

4. Commercial and industrial loans........................................... .......... ......5. Loans to individuals for household, family, and other personalexpenditures:

a. Credit cards. ....... ............................................................. ................b. Other (includes single payment, installment, all student loans, andrevolving credit plans other than credit cards).....................................

6. Loans to foreign governments and official institutions.. ........................

7. All other loans.......................................................................................

8. Lease financing receivables..................................................................

9. Total.......................................................................................................1. Loans to finance commercial real estate, construction, and landdevelopment activities (not secured by real estate) included in ScheduleRI-B, part I, items 4 and 7, above.............................................................2. Not available

a. Loans secured by real estate to non-U.S. addressees (domicile)(included in Schedule RI-B, part i, item 1, above)...............................b. Loans to and acceptances of foreign banks (included in ScheduleRI-B, part I, item 2, above)..................................................................c. Commercial and industrial loans to non-U.S. addressees (domicile)(included in Schedule RI-B, part i, item 4, above)...............................d. Leases to individuals for household, family, and other personalexpenditures (included in Schedule RI-B, part I, item 8, above).........

1.

1.a.

RIADC893 o1.a.2.

o 1.b.RIAD3584

1.c.

RIAD54ii o RIAD54i2 oi.c.1.

i.c.2.

o i.c.2a.

o i.c.2b.

22 i.d.

RIADC234

RIADC235

RIAD3588

i.e.

RIADC895

RIADC897

RIADB5i4 0 RIADB5i5

RIADB5i6 RIADB5i7 10S.b.

RIAD4643 0 RIAD4627 o 6.

RIAD4644 18 RIAD4628 27 7.

RIAD4266 0 RIAD4267 o 8.

RIAD4635 796 RIAD4605 138 9.

RIAD5409 0 RIAD54i0 0

RIAD4652 NR RIAD4662 NRM.2.a.

RIAD4654 NR RIAD4664 NRM.2.b.

RIAD4646 NR RIAD46i8 NRM.2.c.

RIADF185 NR RIADFi87 NRM.2.d.



LJ

(Column A) Charge-ofts (Column B) RecoveriesDollar amounts in thousands Calendar year-to-date Calendar year-to-date

3. Loans to finance agricultural production and other loans to farmersRIAD4655 i NR RIAD4665 I NR

(included in Schedule RI-B, part I, item 7, above).................................... M.3.

Schedule RI-B Part i - Charge-ofts and Recoveries on Loans and LeasesDollar amounts in thousands

4. Uncollectible retail credit card fees and finance charges reversed against income (i.e., i RIADC388not included in charge-offs against the allowance for loan and lease losses)........................ NRIMA.

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

1. Balance most recently reported for the December 31,2007, Reports of Condition andRIADB522 1,217Income (i.e., after adjustments from amended Reports of Income).......................................

2. Recoveries ......................................................................................................................... RIAD4605 138

3. Charge-offs........................................... .............................................................................. RIADC079 796

4. Write-downs arising from transfers of loans to a held-for-sale account... .............. ... ..... ... RIAD5523 0

5. Provision for loan and lease losses.................................................................................... RIAD4230 293

6. Adjustments... ... ... ...... ...... ........ ............................. .... .............. ........... ........................ ......... RIADC233 0

7. Balance end of current period............................................................................................ RIAD3123 852

1. Allocated transfer risk reserve included in Schedule RI-B, part II, item 7, above .............. RIADC435 0

2. Separate valuation allowance for uncollectible retail credit card fees and finance charges. RIADC389 NR

3. Amount of allowance for loan and lease losses attributable to retail credit card fees andRIADC390 NRfinance charges......................................................................................................................

4. Amount of allowance for post-acquisition losses on purchased impaired loans accountedfor in accordance with AICPA Statement of Position 03-3 (included in Schedule RI-B, part RIADC781 0II, item 7, above).....................................................................................................................

1.

2.

3.

4.

5

6.

7.

M.1.

M.2.

M.3.

MA.

Schedule RI-E - ExplanationsDollar amounts in thousands

1. Other non interest income (from Schedule RI, item 5.1) Itemize and describe amountsgreater than $25,000 that exceed 3% of Schedule RI, item 5.1:

a. Income and fees from the printing and sale of checks................ ......... ....... ....... ... ..... ...b. Earnings on/increase in value of cash surrender value of life insurance................... ...

c. Income and fees from automated teller machines (ATMs)............................................d. Rent and other income from other real estate owned.................. .................................

e. Safe deposit box rent...................... .................... ......................... ............................ .....

f. Net change in the fair values of financial instruments accounted for under a fair valueoption................................................................................................................................g. Bank card and credit card interchange fees........................................................... ......h. Disclose component and the dollar amount of that component:

1. Describe component.................................... ............................... ...................... ......

2. Amount of component.............................................................................................i. Disclose component and the dollar amount of that component:

1. Describe component................................................................................... ............

2. Amount of component.......................................................... .......... .........................j. Disclose component and the dollar amount of that component:

1. Describe component...................... .........................................................................2. Amount of component.............................................................................................

2. Other noninterest expense (from Schedule RI, item 7.d) Itemize and describe amountsgreater than $25,000 that exceed 3% of Schedule RI, item 7.d:

1.

RIADC013 0 1.a.

RIADC014 0 1.b.

RIADC016 0 1.c.

RIAD4042 0 1.d.

RIADC015 0 1.e.

RIADF229 01.t

RIADF555 o 1.g.

1.h.

1.h.1.

o 1.h.2.

1.i.

1.i.1.

1.i.2.

1.j.

1.j.1.

1.j.2.

VI"I LV V 1" I uni..', Vi v I. i.VUlvRSSD-ID 182157Last Updated on 1/29/2009


a. Data processing expenses............. ... ..................................................... ........... ............

b. Advertising and marketing expenses...................... ...... ....... ............. ...... ......................c. Directors' fees................................... ................................. ........ ...................................d. Printing, stationery, and supplies..................................................................................

e. Postage......................................................................;..................................................f. Legal fees and expenses................................. ................................... ...........................

g. FDIC deposit insurance assessments........... ........... ............................. .......................

h. Accounting and auditing expenses...............................................................................

i. Consulting and advisory expenses............ .......................... .... .......................... ............j. Automated teller machine (ATM) and interchange expenses.................................... .....

k. Telecommunications expenses.. ...................................................................................i. Disclose component and the dollar amount of that component:

1. Describe component................................................ ...............................................2. Amount of component...... .......... ........................................ ... .......... ...... ..... .............

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

1. Describe component................................... ....... ....................................................

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

1. Describe component...............................................................................................2. Amount of component. ........ ..... .............. .............................. ..... ..... ....... .... ... ... ... .....

3. Extraordinary items and other adjustments and applicable income tax effect (from ScheduleRI, item 11):

a. Disclose component, the gross dollar amount of that component, and its related incometax:

1. Describe component...............................................................................................2. Amount of component.............................................................................................3. Applicable income tax effect.................................. ................... ....... ......................

b. Disclose component, the gross dollar amount of that component, and its related incometax:

1. Describe component...................... ............. ........................... .................................

2. Amount of component... ............. .................... ....... .............................................. ....3. Applicable income tax effect.................... ................................. ....... ......................

c. Disclose component, the gross dollar amount of that component, and its related incometax:

1. Describe component................................... ........................... ....... ... .......................

2. Amount of component................ ....... ............. ....... ............. .......................... ...... .....

3. Applicable income tax effect.............. ............. ........ ............ ...... ...... ........ ...............4. Restatements due to corrections of material accounting errors and changes in accountingprinciples (from Schedule RI-A, item 2):

a. Cumulative-effect adjustment resulting from the initial adoption of FAS 159, FairValueOption...............................................................................................................................b. Disclose component and the dollar amount of that component:

1. Describe component............................................................................ ...................2. Amount of component....... ......................................................................................

5. Other transactions with parent holding company (from Schedule RI-A, item 11):

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

1. Describe component......................................................... ......................................2. Amount of component......................... ...... ............ ..................................................


æJ

RIADC017

RIAD0497

RIAD4136

RIADC018

RIAD8403

RIAD4141

RIAD4146

RIADF556

RIADF557

RIADF558

RIADF559

127 2.a.

o 2.b.

o 2.c.

o 2.d.

o 2.e.

78 2.f.

89 2.g

o 2.h.

o 2.1.

o 2.j.

o 2.k.

2.1.

RIAD4464

2.1.1.

88 2.1.2.

2.m.

Click here for~ 2.m.1.

339 2.m2.

TEXT4467

RIAD4467

2n.

TEXT4468Click here for~ 2.n.1.

63 2.n.2.RIAD4468

3.

3.a.

3.b.

3.c.

4.

4.a.

4.b.

5.

5.a.

TEXT44985.a.1.

278 5.a.2.RIAD4498

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

1. Describe component....... ................................................ .......................................

2. Amount of component........................................... ...... ................................. ...........6. Adjustments to allowance for loan and lease losses (from Schedule RI-B, part II, item 6):


1. Describe component....................................................... ............... .........................

2. Amount of component......... ................ .............................. ......................................b. Disclose component and the dollar amount of that component:

1. Describe component............................................ ...................................................2. Amount of component........................................... ...... ................................. ...........

7. Other explanations:a. Comments?.................................................................................................................b. Other explanations................................................ .............. ..........................................

5.b.

6.

6.a.

TEXT4521 6.a.1.

RIAD4521 o 6.a.2.

6.b.

TEXT4522 6.b.1.

RIAD4522 o 6.b.2.

7.

RIAD4769 No 7.a.

TEXT4769 7.b.

(TEXT4467) Other real estate expenses and losses

(TEXT4468) Miscellaneous operating losses

(TEXT4498) Additional cpaital infusion by shareholders

(TEXTB527) Mandated regulatory change to reverse net deferred tax asset against equity

Schedule RC - Balance SheetDollar amounts in thousands

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

a. Noninterest-bearing balances and currency and coin............... ..... ............... .... .... .......

b. Interest-bearing balances...... ..... .......... .............. ................ ............ ............ .... ..............

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:

a. Federal funds sold................................... ........................................................ .............

b. Securities purchased under agreements to resell............... ........ ..................................

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

a. Loans and leases held for sale............................................................ .........................

b. Loans and leases, net of unearned income...................................................... ............

c. Allowance for loan and lease losses...................... .......................................................

d. Loans and leases, net of unearned income and allowance..........................................

5. Trading assets (from Schedule RC-D)................................................................................

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 ScheduleRC-M).....................................................................................................................................9. Not applicable

10. Intangible assets:

a. Goodwill........................................................................................................................

b. Other intangible assets (from Schedule RC-M).......................... ..................................11. Other assets (from Schedule RC-F)......... ............. ..................................................... ......

12. Total assets......... .............. ................... ............ ............................................................ .....

1.b.

2.

o 2.a.

2,102 2.b.

RCON5369

RCONB528

RCON3123

RCONB529

RCON3545

RCON2145

RCON2150

4.

o 4.a.

24,431 4.b.

852 4.c.

23,579 4.d.

o 5.

756 6.

3,151 7.

RCON2130 08.

9.

10.

0 10.a.

0 10.b.

220 11.

30,772 12.

RCON3163

RCON0426

RCON2160

RCON2170

Schedule RC-Ä - Cash and Balances Due From Depository InstitutionsDollar amounts in thousands

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

a. Cash items in process of collection and unposted debits.............................................b. Currency and coin.............................................................. ...........................................

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

a. U.S. branches and agencies of foreign banks................................ ...............................

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

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

a. Foreign branches of other U.S. banks...........................................................................

b. Other banks in foreign countries and foreign central banks................... ................ .......4. Balances due from Federal Reserve Banks... ...... ........... ......... .................... ......................

5. Total....................................................................................................................................

Vrii LWVr'1 LJr\1 '\ r, Vi '- i. L.VUI..RSSD-ID 182157Last Updated on 1/29/2009

Dollar amounts in thousands13. Deposits:

a. In domestic offices........................................................................................................1. Noninterest-bearing... ... ... ................ ......... ......... ..... .............. ... .............. ..................

2. Interest-bearing..... ....... ... ........................... ........................ ....... ..............................b. Not applicable

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

a. Federal funds purchased..............................................................................................

b. Securities sold under agreements to repurchase. ............ ......... ...................................

15. Trading liabilities (from Schedule RC-D)..... ............................ ..........................................

16. Other borrowed money (includes mortgage indebtedness and obligations under capitalizedleases) (from Schedule RC-M)...............................................................................................

17. Not applicable

18. Not applicable

19. Subordinated notes and debentures.......................... ... ............. ....... .................. .............

20. Other liabilities (from Schedule RC-G)...................... .... ......... .... ......................................21. Total liabilities................ ..... ...... .... ..... ...... ............ ....... .... ... .... ........ ............................. .......

22. Minority interest in consolidated subsidiaries... ... ... .................... .............. ...... .......... ........23. Perpetual preferred stock and related surplus.. .......................... ....... ....... ..... ...... .............

24. Common stock..................................................................................................................

25. Surplus (exclude all surplus related to preferred stock)...................................................26. Not available

a. Retained earnings...... ..... ......... ... ......... ........... .... ............ ...... ......... ............ ...................

b. Accumulated other comprehensive income.. ... ........... .......... ......... ..... ........ ...... ............27. Other equity capital components......................................................................................

28. Total equity capital............................................................................................................

29. Total liabilities, minority interest, and equity capital........................... ............. ..................

1. Indicate in the box at the right the number of the statement below that best describes themost comprehensive level of auditing work performed for the bank by independent externalauditors as of any date during 2007 ............................... ......................... ............. ..................

I I ILv V"' I


~

RCONB993

RCONB995

RCON3548

13.

13.a.

13.a.1.

13.a.2.

13.b.

14.

500 14.a.

0 14.b.

0 15.

RCON3190 o

RCON3200

RCON2930

RCON2948

RCON3000

RCON3838

RCON3230

RCON3839

16.

17.

18.

o 19.

307 20.

28,797 21.

° 22.

340 23.

876 24.

4,066 25.

RCON3632

RCONB530

RCONA130

RCON3210

RCON3300

26.

-3,317 26.a.

10 26.b.

° 27.

1,975 28

30,772 29.

RCON6724 NR

M.1.

RCON0073

3.

NR 3a.NR 3.b.

NR 4.

964 5

RCON0074

RCON0090

RCON0010

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sec

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incl

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dom

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......

......

......

......

......

......

......

......

......

......

......

...

Qua

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(Col

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Hel

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Am

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ost

RC

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(Col

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Hel

d-to

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Fair

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RC

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RC

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1290

RC

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1291

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RC

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1294

RC

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1295

RC

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a.

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1703

RC

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1705

RC

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1706

RC

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1707

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1709

RC

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1710

RC

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1711

RC

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1713

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1714

RC

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1715

RC

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1716

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1718

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1719

RC

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1731

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RC

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1733

RC

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1734

RC

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Last Updated on 1129/2009

Quarter End Date 12131/2008 ~

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RC

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Schedule RC-B - SecuritiesDollar amounts in thousands

1. Pledged securities.. ................................................................................. ........... ................

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

a. Securities issued by the U.S. Treasury, U.S. Government agencies, and states andpolitical subdivisions in the U.S.; other non-mortgage debt securities; and mortgagepass-through securities other than those backed by closed-end first lien 1-4 familyresidential mortgages with a remaining maturity or next repricing date of:

1. Three months or less.................................................................... ....... ....................

2. Over three months through 12 months...................................................................3. Over one year through three years............... ........... ...... ........ .................................

4. Over three years through five years..................... .......... ..... .................... ............. ...5. Over five years through 15 years....................... ..... ... .............. ............................ ...6. Over 15 yeaff..........................................................................................................

b. Mortgage pass-through securities backed by closed-end first lien 1-4 family residentialmortgages with a remaining maturity or next repricing date of:

1. Three months or less............................. .... ..... .............. .................... .......... ..... ........

2. Over three months through 12 months........ ....... .......... ........ ...... ...... .................. ....3. Over one year through three years.........................................................................4. Over three years through five years........................................................................

5. Over five years through 15 years......... ............. ....... ... ... ............ ............ ......... .... ....6. Over 15 years..........................................................................................................

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

1. Three years or less........ ..........................................................................................2. Over three years. ................................ ........ ..... ..... ......... ..... ... ................. .................

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

3. Amortized cost of held-to-maturity securities sold or transferred to available-for-sale ortrading securities during the calendar year-to-date (report the amortized cost at date of saleor transfer).............................................................. ................................................................4. Structured notes (included in the held-to-maturity and available-for-sale accounts inSchedule RC-B, items 2, 3, 5, and 6):

a. Amortized cost..... ......... ..................... ... ........................ ...... ........ ...... .......... ..................b. Fair value....... ......... ... ... ............................. .......... ..... ..... ..... ......... ............... ..... .............


~

M.2.a.

RCONA549 o M.2.a.1.

RCONA550 o M.2.a.2.

RCONA551 o M.2.a.3.

RCONA552 o M.2.aA.

RCONA553 2,010 M.2.a.5.

RCONA554 o M.2.a.6.

M.2.b.

RCONA555 0 M.2.b.1.

RCONA556 92 M.2.b.2.

RCONA557 o M.2.b.3.

RCONA558 o M.2.bA.

RCONA559 o M.2.b.5.

RCONA560 o M.2.b.6.

RCONA561

RCONA562

RCONA248

RCON1778

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RSSD-I D 182157

Last Updated on 1/29/2009

Schedule RC-C Part I - Loans and Leases


~

(Column A) To Be (Column B) To BeCompleted by Banks Completed by All Banks

with $300 Milion or MoreDollar amounts in thousands in Total Assets


a. Construction, land development, and other land loans:1. 1-4 family residential construction loans..... ... ............................2. Other construction loans and all land development and otherland loans......................................................................................

b. Secured by farmland (including farm residential and otherimprovements)...................... ............................................................ ...c. Secured by 1-4 family residential properties:

1. Revolving, open-end loans secured by 1-4 family residentialproperties and extended under lines of credit. .................... ........2. Closed-end 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...............


1. Loans secured by owner-occupied nonfarm nonresidentialproperties.. .... ...... .... ....... ..... ... ......... ... ... ............ ..... ........ ...............

2. Loans secured by other nonfarm nonresidential properties.......

2. Loans to depository institutions and acceptances of other banks. ........a. To commercial banks in the U.S.:

1. To U.S. branches and agencies of foreign banks....... ................

2. To other commercial banks in the U.S......... ................. .............b. To other depository institutions in the U.S... ... .................. ................c. To banks in foreign countries:

1. To foreign branches of other U.S. banks.................... ................

2. To other banks in foreign countries......... ...................................

3. Loans to finance agricultural production and other loans to farmers.....4. Commercial and industrial loans. ........ ...... .......... ........... .......................

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

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

5. Not applicable

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

a. Credit cards...... ................................... ............................................b. Other revolving credit plans.. ........... ......... .................................. .....c. Other consumer loans (includes single payment, installment, andall student loans).................................................................................

7. Loans to foreign governments and offcial institutions (including foreigncentral banks)...........................................................................................8. Obligations (other than securities and leases) of states and politicalsubdivisions in the U.S.............................................. ......... ................. ......9. Other loans............................................................................................

a. Loans for purchasing or carrying securities (secured andunsecured)..... .............................................................. .......................

b. All other loans (exclude consumer loans)........................................

10. Lease financing receivables (net of unearned income).......................

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

l.a.

1.c.2.

10,642 l.c.2.a.

61 1.c.2b.

2,889 l.d.

l.e.

6,334

606.c.

o7.

10.

10.a.

u'-\i L.vvni Uni'\l\. \.I '- I. L..UluRSSD-ID 182157Last Updated on 1/29/2009


~(Column A) To Be (Column B) To Be

Completed by Banks Completed by All Bankswith $300 Milion or More

Dollar amounts in thousands in Total Assetsb. All other leases................................................................................ RCONF163

11. Any unearned income on loans reflected in items 1-9 above.............12. Total loans and leases, net of unearned income.................................

Schedule RC-C Part i - Loans and LeasesDollar amounts in thousands

1. Loans and leases restructured and in compliance with modified terms (included in ScheduleRC-C, part I, and not reported as past due or nonaccrual in Schedule RC-N, Memorandumitem 1):

a. Loans secured by 1-4 family residential properties......... ..... ...................... ..... ..............b. Other loans and all leases (exclude loans to individuals for household, family, andother personal expenditures)............................................................................................

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

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

1. Three months or less...............................................................................................

2. Over three months through 12 months. .... ... ....... ..... ......... ..... ......... .................. ......

3. Over one year through three years..... ...... ... ..... .............. .................................. ......

4. Over three years through five years........ .......... ......... ..... ......... ....... ....... ........... ......

5. Over five years through 15 years.. ....... ................... ....... ............ ...... ...... .... ...... .......6. Over 15 years..........................................................................................................

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

1. Three months or less............... ...... ............. ..... ... ....... ... ................................... ........

2. Over three months through 12 months...................................................................3. Over one year through three years... ......................................................................4. Over three years through five years............... ....... ..................................................5. Over five years through 15 years.. .................................................................. ........6. Over 15 years........ ........................................ ..........................................................

c. Loans and leases (reported in Schedule RC-C, part i, items 1 through 10, column B,above) with a REMAINING MATURITY of one year or less (excluding those in nonaccrualstatus)........................................................................... ....................................................

3. Loans to finance commercial real estate, construction, and land development activities(not secured by real estate) included in Schedule RC-C, part I, items 4 and 9, column B.....4. Adjustable rate closed-end loans secured by first liens on 1-4 family residential properties(included in Schedule RC-C, part I, item 1.c.(2)(a), column B)..............................................5. Loans secured by real estate to non-U.S. addressees (domicile) (included in ScheduleRC-C, part i, items 1.a through 1.e, column B)......................................................................6. Outstanding credit card fees and finance charges included in Schedule RC-C, part i, item6.a..........................................................................................................................................7. Purchased impaired loans held for investment accounted for in accordance with AICPAStatement of Position 03-3 (exclude loans held for sale):

a. Outstanding balance.................................................................. ...................................

b. Carrying amount included in Schedule RC-C, part I, items 1 through 9.......................8. Closed-end loans with negative amortization features secured by 1-4 family residentialproperties:

10.b.

o 11.

24,431 12

M.1.b.

M.2

RCONA564

RCONA565

RCONA566

RCONA567

RCONA568

RCONA569

M.2.a.

1,673 M.2.a.1.

1,954 M.2.a.2.

6,214 M.2.a.3.

126 M.2.aA.

152 M.2.a.5.

o M.2.a.6.

M.2.b.

RCONA570 2,883 M.2b.1.

RCONA571 3,183 M.2b.2.

RCONA572 5,365 M.2.b.3.

RCONA573 573 M.2.bA.

RCONA574 3 M.2.b.5.

RCONA575 o M.2.b.6.

RCONA247 9,693

M.2.c.

RCON2746 0M.3.

RCON5370 2,312MA.

RCONB837 NRM.5.

RCONC391 NRM.6.

M.B.

Ur'1 LVVf"' Uf"'-'I'Vi "- i. LVVI'-



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

c. Total amount of negative amortization on closed-end loans secured by 1-4 familyresidential properties included in the carrying amount reported in Memorandum item B.aabove................................................................................................................................

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

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

a. Loans secured by real estate:

1. Construction, land development, and other land loans. ................. .........................2. Secured by farmland (including farm residential and other improvements)............

3. Secured by 1-4 family residential properties:

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

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

1. Secured by first liens... ..... ..... ...... ... ............ ........ ....... ..... ....... .......................

2. Secured by junior liens......... .................. ....... .... ..... ... ..... ....... ... ....... .............

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

5. Secured by nonfarm nonresidential properties. ........... ... ....... ... ... ....... ....................b. Commercial and industrial loans.. ............. .... ....... ... ..... ......... ..... ... ..... ...........................

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

1. Credit cards.............................................................................................................

2. Other revolving credit plans............. ............................ ...... ............................. .........3. Other consumer loans (includes single payment, installment, and all studentloans)..........................................................................................................................

d. Other loans...................................................................................................................11. Unpaid principal balance of loans measured at fair value (reported in Schedule RC-C,part i, Memorandum item 10):


1. Construction, and land development, and other land loans...................... ..............2. Secured by farmland (including farm residential and other improvements)............


a. Revolving, open-end loans secured by 1-4 family residential properties andextended under lines of credit.............................................................................b. Closed-end loans secured by 1-4 family residential properties:

1. Secured by first liens....................................................................................2. Secured by junior liens........................................................................ .........


5. Secured by nonfarm nonresidential properties.......................................................b. Commercial and industrial loans...................................................................................

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

1. Credit cards............................ ....... ............. ........... ................ ..................................2. Other revolving credit plans......... .................... ....... .................................................

3. Other consumer loans (includes single payment, installment, and all studentloans)..........................................................................................................................

d. Other loans...................................................................................................................


~

RCONF230 0

M.8.a.

RCONF231 NRM.8.b.

RCONF232 NR

M.8.c.

RCONF577 0M.9.

M.l0.a.3.

RCONF580 NRM10ßMl0a3

RCONF581 NR M"'lRCONF582 NR M1GRCONF583 NR M.l0.a.4.

RCONF584 NR M.l0.a5.

RCONF585 NR M.l0.b.

M.l0.c.

RCONF586 NR M.l0.cl.

RCONF587 NR M.l0.c2.

RCONF588 NRM.l0.c.3.

RCONF589 NR M.l0.d.

RCONF593

RCONF594

RCONF595

RCONF596

RCONF597

RCONF598

RCONF599

RCONF600

RCONF601

Mlla3NR Mlla3lNR Mlla'NR Mll.a.4.

NR Ml1.a.5.

NR M.ll.b.

M.ll.c.

NR Mll.cl.NR M.l1.c.2

NRM.ll.c3.

NR M.ll.d.

Uf"1 LVVf"1 Uf"...,"'.., V I. L..UlvRSSD-ID 182157Last Updated on 1/29/2009


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

Dollar amounts in thousands1. Indicate in the appropriate box at the right whether all or substantially all of the dollarvolume of your bank's "Loans secured by nonfarm nonresidential properties" reported inSchedule RC-C, part I, items 1.e.(1) and 1.e.(2), and all or substantially all of the dollarvolume of your bank's "Commercial and industrial loans" reported in Schedule RC-C, partI, item 4, have original amounts of $100,000 or less..............................................................

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

a. "Loans secured by nonfarm nonresidential properties" reported in Schedule RC-C,part I, items 1.e.(1) and 1.e.(2).........................................................................................b. "Commercial and industrial loans" reported in Schedule RC-C, part I, item 4..............

RCON6999 NR

1.

2.

RCON5562 NR

RCON55632.a.

NR 2.b.

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


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

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

b. With original amounts of more than $100,000 through $250,000..... RCON5566

c. With original amounts of more than $250,000 through $1,000,000.. RCON5568

4. Number and amount currently outstanding of "Commercial and industrialloans" reported in Schedule RC-C, part I, item 4:

a. With original amounts of $100,000 or less...................................... RCON5570

b. With original amounts of more than $100,000 through $250,000..... RCON5572

c. With original amounts of more than $250,000 through $1,000,000.. RCON5574

NR RCON5571

NR RCON5573

NR RCON5575

4.

NR 4.a.

NR 4.b.

NR 4.c.

Schedule RC-C Part ii - Loans to Small Businesses and Small FarmsDollar amounts in thousands

5. Indicate in the appropriate box at the right whether all or substantially all of the dollarvolume of your bank's "Loans secured by farmland (including farm residential and otherimprovements)" reported in Schedule RC-C, part I, item 1.b, and all or substantially all ofthe dollar volume of your bank's "Loans to finance agricultural production and other loansto farmers" reported in Schedule RC-C, part I, item 3, have original amounts of $1 00,000 orless.........................................................................................................................................6. Report the total number of loans currently outstanding for each of the following ScheduleRC-C, part I, loan categories:

a. "Loans secured by farmland (including farm residential and other improvements)"reported in Schedule RC-C, part I, item 1.b.....................................................................b. "Loans to finance agricultural production and other loans to farmers" reported inSchedule RC-C, part I, item 3...........................................................................................

RCON6860 NR

5.

RCON5576 NR6.a.

RCON5577 NR6.b.

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

Dollar amounts in thousands7. Number and amount currently outstanding of "Loans secured byfarmland (including farm residential and other improvements)" reportedin Schedule RC-C, part I, item 1.b:

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

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

7.

RCON5578 NR RCON5579 NR 7.a.

RCON5580 NR RCON5581 NR 7.b.

RCON5582 NR RCON5583 NR 7.c.

Ur'L L.VVr'1 Ur'I"lI'... '- L. L..UI'-

RSSD-ID 182157Last Updated on 1129/2009

Quarter End Date 12131/2008

~

Dollar amounts in thousands8. Number and amount currently outstanding of "Loans to financeagricultural production and other loans to farmers" reported in ScheduleRC-C, part I, item 3:

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

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

8.

RCON5584 NR RCON5585 NR 8.a.

RCON5586 NR RCON5587 NR 8.b.

RCON5588 NR RCON5589 NR 8.c.

Schedule RC-D - Trading Assets and LiabilitiesDollar amounts in thousands

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

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

3. Securities issued by states and political subdivisions in the U.S........................... ..... ........4. Mortgage-backed securities (MBS):

a. Pass-through securities issued or guaranteed by FNMA, FHLMC, or GNMA..............b. Other mortgage-backed securities issued or guaranteed by FNMA, FHLMC, or GNMA(include CMOs, REMICs, and stripped MBS)........ ... ............ ..... ............ ............. ..............c. All other mortgage-backed securities............................................................................

5. Other debt securities............................................................................ ..............................

6. Loans:


1. Construction, land development, and other land loans...........................................2. Secured by farmland (including farm residential and other improvements)............


a. Revolving, open-end loans secured by 1-4 family residential properties andextended under lines of credit.................. ................ ...........................................b. Closed-end loans secured by 1-4 family residential properties:

1. Secured by first liens....................................................................................

2. Secured by junior liens....... ............ ................. .... .........................................


5. Secured by nonfarm nonresidential properties... ... .... ..................... ........... ....... ......b. Commercial and industrial loans.................................. ..... .................... ................... .....c. Loans to individuals for household, family, and other personal expenditures (i.e.,consumer loans) (includes purchased paper):

1. Credit cards.................................... ....... ................................. ...... ..... ......................2. Other revolving credit plans................... ..................................................................

3. Other consumer loans (includes single payment, installment, and all studentloans)..........................................................................................................................

d. Other loans...................................................................................................................7. Not applicable

8. Not applicable

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

10. Not applicable

11. Derivatives with a positive fair value............................................................................ .....

12. Total trading assets.. ............. ........................................ ....................................................

13. Not available

a. Liability for short positions ................................................................................ ..... ......b. Other trading liabilities......... ........................ '" ........................................ ..... ....... ....... ...

14. Derivatives with a negative fair value................................................................................

15. Total trading liabilities............... ............. ...................................................... ......................

RCON3531

RCON3532

RCON3533

RCON3534

RCON3535

RCON3536

RCON3537

RCONF606

RCONF607

RCONF611

RCONF612

RCONF613

RCONF614

RCONF615

RCONF616

RCONF617

RCONF618

NR 1.

NR 2

NR 3.

4.

NR 4.a.

NR4.b.

NR 4.c.

NR 5

6.

6.a.

NR 6a.1.

NR 6.a.2.

6.a.3.

NR6.a.3.a.

6.a.3.b.

NR 6.a.3.b.1.

NR 6.a.3.b.2

NR 6.aA.

NR 6.a.5.

NR 6.b.

6.c.

NR 6.c.1.

NR 6.c.2.

NR6.c.3.

NR 6.d.

RCON3546

RCONF624

RCON3547

RCON3548

13.

NR 13.a.

NR 13.b.

NR 14.

o 15.

\J"I L-VW"I U"I'I"""1 VI. L..UI-.


Dollar amounts in thousands1. Unpaid principal balance of loans measured at fair value (reported in Schedule RC-D,items 6.a.(1) through 6.d):


1. Construction, land development, and other land loans... .... ..... ...... .........................2. Secured by farmland (including farm residential and other improvements)............


a. Revolving, open-end loans secured by 1-4 family residential properties andextended under lines of credit............ ........................ .......... ............. ....... ..... ......b. Closed-end loans secured by 1-4 family residential properties:

1. Secured by first liens....................... .............................................................

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

5. Secured by nonfarm nonresidential properties.. ........ ................................. ............b. Commercial and industrial loans........ ......................................... .......... ........................c. Loans to individuals for household, family, and other personal expenditures (i.e.,consumer loans) (includes purchased paper):

1. Credit cards................ ........................................ ... ................ ..... ..... ......... ...............

2. Other revolving credit plans.. ..... ...... ...................... ........ ... ................. ..... .... .............

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

2. Not applicable

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

a. Fair value............ .... ...... ... ...... ... ........... .............. .......... ..... ......... ..... ............ ......... ... ......

b. Unpaid principal balance. ...... ...... .......... ............................... ........ .......... .... ....... ..... ... ....4. Asset-backed securities:

a. Residential mortgage-backed securities.................. ........ ..... ..... ....... ...................... ......

b. Commercial mortgage-backed securities......................................................................

c. Credit card receivables....... ............... ......... ....................... ...... ....... .... ........ ..................

d. Home equity lines.........................................................................................................e. Automobile loans..........................................................................................................f. Other consumer loans....................................................................................................

g. Commercial and industrial loans..... ........ .......................... .......... .......... ...... .... ..............

h. Other.............................................................................................................................

5. Collateralized debt obligations:

a. Synthetic.................................. ....... ............................ ..................................................b. Other.............................................................................................................................

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

7. Equity securities:

a. Readily determinable fair values............................................................... ....................b. Other.............................................................................................................................

8. Loans pending securitization..............................................................................................

9. Other trading assets (itemize and describe amounts included in Schedule RC-D, item 9,that are greater than $25,000 and exceed 25% of the item):


1. Describe component.. ...... ............... ......... .... ...........................................................2. Amount of component.............................................................. ...............................


1. Describe component...............................................................................................2. Amount of component................................................................... .........................

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

1. Describe component.............................................................. .................................

I I IL-.. V~ I


~

M.1.

M.1.a.3.

RCONF628

RCONF629

RCONF630

RCONF631

RCONF632

M.1.a.3.a

M.ta.3.b.

NR M1a3t

NR M1a3NR M.1.a.4

NR M.1.a.5.

NR M.1.b.

RCONF634

RCONF635 NR

RCONF636M.1.c.3.

NR M.1.d.

RCONF641

RCONF642

RCONF643

RCONF644

RCONF645

RCONF646

RCONF647

RCONF648

MA.

NR MA.a.

NR MA.b.

NR MA.c.

NR MA.d.

NR MA.e.

NR MA.f.

NR MA.9.

NR MA.h.

TEXTF657 M.9.c.1.

Ur'\1 l.Y "lri I UriI'lr'VI '- I. '-"-VIVRSSD-ID 182157Last Updated on 1/29/2009


~Dollar amounts in thousands

2. Amount of component.............................................................................................10. Other trading liabilities (itemize and describe amounts included in Schedule RC-D, item13.b, that are greater than $25,000 and exceed 25% of the item):


1. Describe component......................... .......... ....... ...... ..... ....................... ............. ......

2. Amount of component............................ ...................................................... ..... ......b. Disclose component and the dollar amount of that component:

1. Describe component.............................................................. .................................2. Amount of component.............................................................................................

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

1. Describe component...............................................................................................2. Amount of component.............................................................................................

M.10.

M.10.a.

M.10.b.

M.10.b.1.

NR M.10.b2.

TEXTF660

RCONF660

M.10.c.

M.10.c.1.

NR M.10.c2.

Schedule RC-E - Deposit Liabilities(Column A)Transaction

Accounts Totaltransactionaccounts

(including totaldemand

deposits)

(Column B)Transaction

Accounts Memo:Total demand

deposits(included incolumn A)

(Column C)NontransactionAccounts Totalnontransaction

accounts(includingMMDAs)


Deposits of:

1. Individuals, partnerships, and corporations (include all certified andofficial checks)...................................................................................... 20,743 1.

RCON2520

2. U.S. Government.............................................................................. o 2.RCON2203 RCON2530

2,854 3.

RCONB552

3. States and political subdivisions in the U.S.... ....................... ............RCONB551

4. Commercial banks and other depository institutions in the U.S........ o 4.RCON2236RCON2213

5. Banks in foreign countries................... ... ...........................................

6. Foreign governments and offcial institutions (including foreign centralbanks)...................................................................................................

o 5.RCON2377RCON2216

o 6.RCON2215 RCON2385

23,597 7.7. Total...................................................................................................

Schedule RC-E - Deposit LiabiltiesDollar amounts in thousands

1. Selected components of total deposits:

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. Brokered deposits issued in denominations of less than $100,000........................

2. Brokered deposits issued in denominations of $100,000 and certain brokeredretirement deposit accounts............... ................................................ .........................

d. Maturity data for brokered deposits:M.1.c.2.

M.1.d.

1. Accrued interest receivable.. .............................. ................................................................ RCONB556 151

2. Net deferred tax assets...................................................................................................... RCON2148 0

3. Interest-only strips receivable (not in the form of a security) on: IHiHiHiI22mmmr¡mmmmmmvlllIF¡r;!...I..I.(...;m...u..; m.;...IHiIHiHiIHi22Hi.Hi

a. Mortgage loans............................................................................................................. RCONA519 0

b. Other financial assets................................................................................................... RCONA520 0

4. Equity securities that DO NOT have readily determinable fair values................................ RCON1752 0

5. Life insurance assets.......................................................................................................... RCONC009 0

6. All other assets........ .................................. ....... ....... ....... .................... ............ ........ ............ RCON2168 69

a. Prepaid expenses......................................................................................................... RCON2166 67

b. Repossessed personal property (including vehicles)......... ........................................ ... RCON1578 0

c. Derivatives with a positive fair value held for purposes other than trading.................... RCONC010 0

d. Retained interests in accrued interest receivable related to securitized credit cards.... RCONC436 0

e. Disclose component and the dollar amount of that component: mvgvvvvvm(;Ur;l.;.l .r¡¡i.lm.........II¡.I!. I....:..:l:..l.

1. Describe component............................................................................................... TEXT3549

2. Amount of component............................................................................................. RCON3549 0

Ur'1 L-VVr\! Unl'lf'\ Vi .. I. LVVI'-RSSD-ID 182157Last Updated on 1/29/2009


1. Brokered deposits issued in denominations of less than $100,000 with a remainingmaturity 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 remainingmaturity of one year or less.................................... ....... ............................ ..................

e. Preferred deposits (uninsured deposits of states and political subdivisions in the U.S.reported in item 3 above which are secured or collateralized as required under state law)

(to be completed for the December report only)................................... ............................2. Components of total nontransaction accounts:

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............. ........................................ ..................1. Individual Retirement Accounts (IRAs) and Keogh Plan accounts included inMemorandum item 2.c, "Total time deposits of $100,000 or more," above.................

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

a. Time deposits of less than $100,000 with a remaining maturity or next repricing date'of:

1. Three months or less... ...... .... ............... .... ...................... .... .... ............ .....................

2. Over three months through 12 months......... ....... .... ....... ...... ............ .... ............. .....3. Over one year through three years.........................................................................4. Over three years.. ... ..... ................ ............. ............ .......... .... ............. ... .....................

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

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

a. Time deposits of $100,000 or more with a remaining maturity or next repricing dateof:

1. Three months or less... .......... ... ......... ......... ..... .... ........... ...... ... ......... .......... ...... .......

2. Over three months through 12 months...................................................................3. Over one year through three years.........................................................................4. Over three years.................................... ..................................................................

b. Time deposits of $100,000 or more with a REMAINING MATURITY of one year orless (included in Memorandum items 4.a.(1) and 4.a.(2) above).....................................

Schedule RC-F - Other AssetsDollar amounts in thousands


êJ

RCONA243 oM.1.d.1.

RCONA244 oM.1.d.2.

RCON5590 o

M.1.e.

RCON6810

RCON0352

RCON6648

RCON2604

M.2.

M.2.a.

608 M.2.a.1.

3,073 M.2.a.2.

17,414 M.2.b.

2,503 M.2c.

RCONF233 oM.2.c.1.

M.3.

M.3.a.

9,633 M.3.a.1.

6,775 M.3.a.2.

857 M.3.a.3.

149 M.3.aA.

RCONA579

RCONA580

RCONA581

RCONA582

RCONA241 16,345M.3.b.

MA.

RCONA584

RCONA585

RCONA586

RCONA587

MA.a.

875 MA.a.1.

1,295 MA.a.2.

333 MA.a.3.

o MA.a.4

RCONA242 2,170M.4b.

1.

2.

3.

3.a.

3.b.

4.

5.

6.

6.a.

6.b.

6.c.

6.d.

6.e.

6.e.1.

6.e.2.

"Jr'1 LVVr'1 ur'I'rn. Vi V I. L.VUI"'




êJ

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

1. Describe oom~~~............................................................................................... TEXT3550

2. Amount of component................................... ........................................ .................. RCON3550 0

Disclose component and the dollar amount of that component:g.1. Describe oom~~~............................................................................................... TEXT3551


7. Total.................................................................................................................................... RCON2160 220

Schedule RC-G - Other LiabiltiesDollar amounts in thousands

1. Not available

a. Interest accrued and unpaid on deposits............................................. .......... ...............

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

2. Net deferred tax liabilities... ............ ....... ..... .................. ......... ........ ..... ....... ....... ........ ..........

3. Allowance for credit losses on off-balance sheet credit exposures... ... ..... .........................4. All other liabilities... .......... .......... ..... ..... ..... ..... ............... ......... ........ ... .... .... ........ ..................

a. Accounts payable....... ...... ..... .... ..... ..... ......... ........... ................. ....... ..... ....... .... ..............

b. Deferred compensation liabilities.. ..... ......... .................... ...... ....... ... ........... ............ .......

c. Dividends declared but not yet payable........................................................................d. Derivatives with a negative fair value held for purposes other than trading..................

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

1. Describe component...............................................................................................2. Amount of component. ..... ... ... ..... ....................... ....... ........ ... ..... .... ..... ...... ..............


1. Describe component............................ ....... ............................................................

2. Amount of component................ ......................... ............. ..... .............. ....................g. Disclose component and the dollar amount of that component:

1. Describe component............................ ........ ...........................................................

2. Amount of component..... ... ... ......... ....... ................... ...... ......... ..... ..... .......... ..........

5. Total....................................................................................................................................

Schedule RC-K - Quarterly AveragesDollar amounts in thousands

1. Interest-bearing balances due from depository institutions......... .......................... ....... ......

2. U.S. Treasury securities and U.S. Government agency obligations (excludingmortgage-backed secu rities)..................................................................................................

3. Mortgage-backed securities...............................................................................................4. All other securities (includes securities issued by states and political subdivisions in theU.S.).......................................................................................................................................5. Federal funds sold and securities purchased under agreements to resell.........................

6. Loans:

a. Total loans... ...... ............................................. .... ..... ..... ..................... ......... ...... ... ..... .....

b. Loans secured by real estate:

1. Loans secured by 1-4 family residential properties......... ........................... ...... .......2. All other loans secured by real estate.....................................................................

c. Commercial and industrial loans...................................................................................d. Loans to individuals for household, family, and other personal expenditures:

1. Credit cards... ............. ....................... ... ......... .... ....... .................................. ...... .......

6.f.

6.f.1.

6.f.2.

6.g.

6.g.1.

6.g.2.

7.

1.

RCON3645 105 1.a.

RCON3646 145 1.b.

RCON3049 o 2

RCONB557 o 3.RCON2938 57 4.

RCON3066 8 4.a.

RCONC011 o 4.b.

RCON2932 o 4.c.

RCONC012 o 4.d.

4e.TEXT3552 4.e.1.

RCON3552 o 4.e.2.

4.f.

TEXT3553 4.f..RCON3553 o 4.f.2.

4.g.

TEXT3554 4.g.1.

RCON3554 o 4.g2.

RCON2930 307 5.

RCON3381 o 1.

RCONB558 3,8272.

RCONB559 97 3.

RCONB560 0

RCON3365

RCONB561

ur\l LVVr'1 Ur'1 '\ I' Vi V I. LVVIVRSSD-ID 182157Last Updated on 1129/2009



2. Other (includes single payment, installment, all student loans, and revolving creditRCONB562 110

plans other than credit cards).....................................................................................7. Trading assets......... ............................................................................................................ RCON3401 NR

8. Lease financing receivables (net of unearned income)...................................................... RCON3484 0

9. Total assets........... ..... .................................... ....... ..................................... ................. ........ RCON3368 33,591

10. Interest-bearing transaction accounts (NOW accounts, ATS accounts, and telephoneRCON3485 2,183

and preauthorized transfer accounts) (exclude demand deposits).........................................

11. Nontransaction accounts: filiF:il IIIII!III!

a. Savings deposits (includes MMDAs)............................................................................ RCONB563 3,816

b. Time deposits of $100,000 or more.............................................................................. RCONA514 2,680

c. Time deposits of less than $100,000............................................................................ RCONA529 18,234

12. Federal funds purchased and securities sold under agreements to repurchase.............. RCON3353 130

13. Other borrowed money (includes mortgage indebtedness and obligations under capitalizedRCON3355 NRleases)....................................................................................................................................

1. Loans to finance agricultural production and other loans to farmers ............ .............. ....... RCON3386 NR

6.d.2.

7.

8.

9.

10.

11.

11.a.

11.b.

11.c.

12.

13.

M.1.

Schedule RC-L - Derivatives and Off-Balance Sheet ItemsDollar amounts in thousands

1. Unused commitments:a. Revolving, open-end lines secured by 1-4 family residential properties, e.g., homeequity lines.. ..... ........ .................... ... .... ................... ..... ........ ................. .... .................. .......

b. Credit card lines...... ..................... .............. ...... ........ .......... ...... ... ........ .................. ........

c. Commercial real estate, construction, and land development:

1. Commitments to fund commercial real estate, construction, and land developmentloans secured by real estate:

a. 1-4 family residential construction loan commitments.......................................

b. Commercial real estate, other construction loan, and land development loancommitments... ................... ..................................... ............................ ..................

2. Commitments to fund commercial real estate, construction, and land developmentloans not secured by real estate............................ ... ....... ......... ........ ..........................

d. Securities underwriting............ .......................... ............. ............ ......... .........................e. Other unused commitments............................... ......................... .......... ...... ... .......... .....

2. Financial standby letters of credit.......... ........... ...... ..... ................... ........ ....... ...... ......... ....a. Amount of financial standby letters of credit conveyed to others........ ....... ...................

3. Performance standby letters of credit.......................................................... .....................a. Amount of performance standby letters of credit conveyed to others....... ....................

4. Commercial and similar letters of credit... ........................................................................5. Not applicable

6. Securities lent (including customers' securities lent where the customer is indemnifiedagainst loss by the reporting bank)............................................................... .........................

RCONF164 1.c.1.a.

RCONF165 781.c.1.b.

RCON6550 01.c.2.

RCON3817 0 1.d.

RCON3818 490 1.e.

RCON3819 o 2.RCON3820 o 2.a.

RCON3821 o 3.

RCON3822 o 3.a.

RCON3411 o 4.

RCON3433 06.

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

7. Credit derivatives:a. Notional amounts:

1. Credit default swaps............................. .............. .......................2. Total return swaps.. ............. ............. .... ... ...................................

3. Credit options............ ........................ ...... ...... ........ ....... ..... .........

4. Other credit derivatives.. ............. ..... .......... .................. ..............b. Gross fair values:

ur\l L-VVr'1 Ur'I't" Vi V I. LVUIV



êJ

Dollar amounts in thousands (Column A) Guarantor (Column B) Beneficiary1. Gross positive fair value............................................................. RCONC219 I 0 RCONC221 I 0

2. Gross negative fair value...... ............................. ........ ............ .... RCONC220 I 0 RCONC222 I 0

Schedule RC-L - Derivatives and Off-Balance Sheet ItemsDollar amounts in thousands

8. Spot foreign exchange contracts........................................................................................ RCON8765 0

9.AII other off-balance sheet liabilities (exclude derivatives)................................................ . RCON3430 0

a. Securities borrowed...................................................................................................... RCON3432 0

b. Commitments to purchase when-issued securities...................................................... . RCON3434 0

c. Standby letters of credit issued by a Federal Home Loan Bank on the bank's behalf... RCONC978 0

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



e. Disclose component and the dollar amount of that component:1. Describe oom~~~.............................................................................................. TEXT3556

2. Amount of component........ ................... ............. ........... ... ...... ...... .......... .... ........... RCON3556 0



2. Amount of component. ........ ..... .......... ... ....... ....... ...... ............ ........ ... .... ..... ...... ....... RCON3557 0

10. All other off-balance sheet assets (exclude derivatives)................................................... RCON5591 0

a. Commitments to sell when-issued securities. ..... ................... ......... ....... ..... ..... ..... ........ RCON3435 0




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



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


2. Amount of component....... .............. ........ ....... ....................... ............... .............. ..... RCON5594 0

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


2. Amount of component. .............................................................................. .... .......... RCON5595 0

11. Year-to-date merchant credit card sales volume: .

a. Sales for which the reporting bank is the acquiring bank............................................. RCONC223 0

b. Sales for which the reporting bank is the agent bank with risk..................................... RCONC224 0

7.b.1.

7.b.2.

8.

9.

9.a.

9.b.

9.c.

9.d.

9.d.1.

9.d.2.

9.e.

9.e.1.

9.e.2.

9.f.

9.f.1.

9.f.2.

10.

10.a

10.b.

10.b.1

10.b.2.

10.c.

10.c.1.

10.c.2.

10.d.

10.d.1.

10.d.2.

10.e.

10.e.1.

10.e.2.

11.

11.a.

11.b.

uni L

.vvn

i UI"

I'U'\

VI V

i. L

.V\,I

'-R

SSD

-ID

182

157

Last

Upd

ated

on

1/29

/200

9Quarter End Date 12/31/2008 ~

Sch

edul

e R

C-L

- D

eriv

ativ

es a

nd O

ff-B

alan

ce S

heet

Item

s(C

olum

n A

) In

tere

st (

Col

umn

B)

For

eign

(C

olum

n C

) E

quity

Rat

e C

ontr

acts

Exc

hang

e D

eriv

ativ

eDollar amounts in thousands I Contracts Contracts

12. G

ross

am

ount

s (e

.g.,

notio

nal a

mou

nts)

:

a. F

utur

es c

ontr

acts

......

.. ...

.. ...

......

. ....

.

b. F

orw

ard

cont

ract

s....

......

......

......

......

......

....

c. E

xcha

nge-

trad

ed o

ptio

n co

ntra

cts:

1. W

ritte

n op

tions

.. ...

......

.... .

......

......

......

......

......

......

......

......

......

......

......

......

...

2. P

urch

ased

opt

ions

......

......

......

......

......

......

......

......

. ....

......

......

......

......

......

..

d. O

ver-

the-

coun

ter

optio

n co

ntra

cts:

1. W

ritte

n op

tions

......

......

......

......

.

2. P

urch

ased

opt

ions

......

......

. ....

......

.....

.....

e. S

wap

s....

......

......

..

13. T

otal

gro

ss n

otio

nal a

mou

nt o

f der

ivat

ive

cont

ract

s he

ld fo

r tr

adin

g....

.....

......

. ....

14. T

otal

gro

ss n

otio

nal a

mou

nt o

f der

ivat

ive

cont

ract

s he

ld fo

r pu

rpos

es o

ther

than

trad

ing.

......

......

......

......

......

.. ...

......

.... .

......

.....

......

......

......

......

......

......

. ....

. ....

. ....

.....

.....

a. In

tere

st r

ate

swap

s w

here

the

bank

has

agr

eed

to p

ay a

fixe

d ra

te..

......

. ....

...

15. N

ot a

vaila

ble

a. C

ontr

acts

hel

d fo

r tr

adin

g:

1. G

ross

pos

itive

fai

r va

lue.

......

......

......

......

......

......

......

.....

.....

.....

2. G

ross

neg

ativ

e fa

ir va

lue.

......

......

... ..

... ..

.....

......

......

......

......

......

......

......

.....

(Column D)

Com

mod

ity a

ndO

ther

Con

trac

ts

12.

12.c

.

12.c

.2.

12.d

.

RC

ON

8709

RC

ON

8710

RC

ON

8711

RC

ON

8712

00

0°1

12.d

.1.

RC

ON

8713

RC

ON

8714

RC

ON

8715

RC

ON

8716

00

0°1

12d2

RC

ON

3450

RC

ON

3826

RC

ON

8719

RC

ON

8720

00

0°1

12e.

RC

ON

A12

6R

CO

NA

127

RC

ON

8723

RC

ON

8724

00

001

13.

RC

ON

8725

RC

ON

8726

RC

ON

8727

RC

ON

8728

00

0

1111

1111

1 ¡"\1

i',ii

iiii

14.a

.

15.

15.a

.

RC

ON

8733

RC

ON

8734

RC

ON

8735

RC

ON

8736

00

001

15

.a.1

.

RC

ON

8737

RC

ON

8738

RC

ON

8739

RC

ON

8740

00

001

15

.a.2

.

\,MI L

.YY

MI U

MI''

I' V

i ~ L

. LV

UI~

RSS

D-I

D 1

8215

7La

st U

pdat

ed o

n 1/

29/2

009

Qua

rter

End

Dat

e 12

/31/

2008 ~

(Col

umn

A)

Inte

rest

l(cO

IUm

n B

) F

Ore

ignl

(C

olum

n C

) E

quity

Rat

e C

ontr

acts

Exc

hang

e D

eriv

ativ

eDollar amounts in thousands I Contracts Contracts

(Column D)

Com

mod

ity a

ndO

ther

Con

trac

ts

1. G

ross

pos

itive

fai

r va

lue.

.... .

......

.. ...

......

... .

....

15.b

.

RC

ON

8741

RC

ON

8742

RC

ON

8743

RC

ON

8744

......

......

......

......

.....

i0

00

01

15.b

.1.

RC

ON

8745

RC

ON

8746

RC

ON

8747

RC

ON

8748

......

......

......

......

... i

00

001

15

.b.2

.

b. C

ontr

acts

hel

d fo

r pu

rpos

es o

ther

than

trad

ing:

2. G

ross

neg

ativ

e fa

ir va

lue.

..

RSSD-ID 182157Last Updated on 1129/2009

Schedule RC-M - MemorandaDollar amounts in thousands

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

a. Aggregate amount of all extensions of credit to all executive offcers, directors, principalshareholders, and their related interests.......................................... ................................

b. Number of executive officers, directors, and principal shareholders to whom the amountof all extensions of credit by the reporting bank (including extensions of credit to relatedinterests) equals or exceeds the lesser of $500,000 or 5 percent of total capital as definedfor this purpose in agency regulations............................................. ........ ..... ............. .......

2. Intangible assets other than goodwill:

a. Mortgage servicing assets........ ...... ................................. ..... ......... ...............................

1. Estimated fair value of mortgage servicing assets..................................................

b. Purchased credit card relationships and nonmortgage servicing assets.......... ..... .......c. All other identifiable intangible assets........ ...................................................... .............d. Total..............................................................................................................................

3. Other real estate owned:

a. Direct and indirect investments in real estate ventures............... ..................................b. All other real estate owned:

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

2. Farmland.. ............. ... ..... .... ...... ................................... ..... ..... ................ ...................

3. 1-4 family residential properties.................... ... .......... ..... ....... ........ ...... ...................4. Multifamily (5 or more) residential properties..........................................................

5. Nonfarm nonresidential properties..... .......... ....... .... ..... ........... ........... ............... ......6. Foreclosed properties from "GNMA loans".............................................................

c. Total...............................................................................................................................

4. Investments in unconsolidated subsidiaries and associated companies:

a. Direct and indirect investments in real estate ventures......... ..... ........ ............. ..............b. All other investments in unconsolidated subsidiaries and associated companies.. ......

c. Total...............................................................................................................................

5. Other borrowed money:

a. Federal Home Loan Bank advances:

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

a. One year or less............................ ....................................................................

b. Over one year through three years....................................................................

c. Over three years through five years................................................ ....... ....... .....d. Over five years.................................................... .... ...........................................

2. Advances with a remaining maturity of one year or less (included in item 5.a.(1 )(a)above).........................................................................................................................3. Structured advances (included in items 5.a.(1)(a) - (d) above)...............................

b. Other borrowings:

1. Other borrowings with a remaining maturity of next repricing date of:

a. One year or less................................................................................................

b. Over one year through three years.................................... ...... ..... .... ..... ....... .....

c. Over three years through five years................................................ .... .... ...........d. Over five years...................................................................................................

2. Other borrowings with a remaining maturity of one year or less (included in item5.b.(1)(a) above).........................................................................................................

c. Total...............................................................................................................................

6. Does the reporting bank sell private label or third party mutual funds and annuities?......7. Assets under the reporting bank's management in proprietary mutual funds and annuities.

8. Primary Internet Web site address of the bank (home page), if any..................................


êJ

1.

RCON6164 2071.a.

RCON6165 o

RCON3164

RCONA590

RCONB026

RCON5507

RCON0426

1.b.

2.

o 2.a.

o 2.a.1.

o 2.b.

o 2.C.

o 2.d.

3.

o 3.a.

3.b.

221 3.b.1.

o 3.b.2.

2,760 3.b.3.

o 3.bA.

170 3.b.5.

o 3.b.6.

3,151 3.c

RCON5372

RCON5508

RCON5509

RCON5510

RCON5511

RCON5512

RCONC979

RCON2150

5

RCONF055

RCONF056

RCONF057

RCONF058

5a.

5.a.1.

o 5.a.1.a.

o 5.a.1.b.

o 5.a.1.c.

o 5.a.1.d.

RCON2651 o

RCONF0595.a.2.

o 5.a.3.

5.b.

5.b.1.

o 5.b.1.a.

o 5.b.1.b.

o 5.b.1.c.

o 5.b.1.d.

RCONF060

RCONF061

RCONF062

RCONF063

RCONB571 o

RCON3190

RCONB569

RCONB570

TEXT4087

5.b.2.

o 5.c.

No 6.

o 7.

8.

9. Do any of the bank's Internet Web sites have transactional capability, i.e., allow the bank'sRCON4088 No

customers to execute transactions on their accounts through the Web site?........................10. Secured liabilities: HH,

H;: :LL

a. Amount of "Federal funds purchased" that are secured (included in Schedule RC, itemRCONF064 014.a).................................................................................................................................

b. Amount of "Other borrowings" that are secured (included in Schedule RC-M, itemsRCONF065 0

5.b.(1 )(a) - (d))............................. ... .................................... ....... .................... ...................

Urii L.VVr\1 Urii"i'\ Vi v I. L...VI..RSSD-ID 182157Last Updated on 1/29/2009



9.

10.

10.a.

10b.

Schedule RC-N - Past Due and Nonaccrual Loans Leases and Other Assets(Column A) Past (Column B) Past (Column C)due 30 through due 90 days or Nonaccrual89 days and stil more and still

Dollar amounts in thousands accruing accruing


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

1. 1-4 family residential construction loans................................

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

b. Secured by farmland...................... ...... .... ........... ... .......... ... .... ....

c. Secured by 1-4 family residential properties:

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

2. Closed-end 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...........


1. Loans secured by owner-occupied nonfarm nonresidentialproperties......................... .......... ........ ................................ .......

2. Loans secured by other nonfarm nonresidential properties...

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

3. Not applicable

4. Commercial and industrial loans......... ........... ...................................

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

a. Credit cards.................................................................... .............

1.

1.a.

RCONF172 RCONF174 RCONF176

0 0 183 1.a.1.


0 0 682 1.a.2.

RCON3493 RCON3494 RCON3495

0 0 0 1.b.

1.c.

1.c.1.

1.c.2.

RCONC236 RCONC237 RCONC229

854 0 523 1.c.2.a.


0 0 59 1.c.2.b.


0 0 65 1.d.

1.e.


249 0 793 1.e.1.


0 0 0 1.e.2.

RCONB834 RCONB835 RCONB836

0 0 o 2.

3.

5.

Uf"1 ~VYf"1 uf"...r.. \.. v I. L\JUIV I 1 I~"" U"T I

RSSD-ID 182157 Quarter End Date 12/31/2008

Last Updated on 1/29/2009 ~(Column A) Past (Column B) Past (Column C)due 30 through due 90 days or Nonaccrual89 days and stil more and stil

Dollar amounts in thousands accruing accruing

b. Other (includes single payment, installment, all student loans, RCONB578 RCONB579 RCONB580

and revolving credit plans other than credit cards).......................... 11 0 o 5.b.


6. Loans to foreign governments and official institutions.. .................... 0 0 o 6


7. All other loans................................................................................... 0 0 o 7.RCON1226 RCON1227 RCON1228

8. Lease financing receivables.............................................................. 0 0 o 8.

9. Debt securities and other assets (exclude other real estate owned RCON3505 RCON3506 RCON3507

and other repossessed assets)............................................................. 0 0 o 9.

10. Loans and leases reported in items 1 through 8 above which are RCON5612 RCON5613 RCON5614

wholly or partially guaranteed by the U.S. Government..... ................. 0 0 0 10.

a. Guaranteed portion of loans and leases included in item 10 above RCON5615 RCON5616 RCON5617

(exclude rebooked "GNMA loans").................................................. 0 0 0 10.a.

b. Rebooked "GNMA loans" that have been repurchased or are RCONC866 RCONC867 RCONC868

eligible for repurchase included in item 10 above....... ........ ............ 0 0 0 10.b.

1. Restructured loans and leases included in Schedule RC-N, items 1through 8, above (and not reported in Schedule RC-C, Part I,Memorandum item 1): M.1.


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

b. Other loans and all leases (exclude loans to individuals for RCON1658 RCON1659 RCON1661

household, family, and other personal expenditures)...................... 0 0 o M.1.b.

2. Loans to finance commercial real estate, construction, and land RCON6558 RCON6559 RCON6560

development activities (not secured by real estate) included in Schedule0 0 0RC-N, items 4 and 7, above.................................................................. M.2.

3. Not available M.3.

a. Loans secured by real estate to non-U.S. addressees (domicile) RCON1248 RCON1249 RCON1250

(included in Schedule RC-N, item 1, above)................................... NR NR NR M.3.a.

b. Loans to and acceptances of foreign banks (included in Schedule RCON5380 RCON5381 RCON5382

RC-N, item 2, above)...................................................................... NR NR NR M.3.b.

c. Commercial and industrial loans to non-U.S. addressees RCON1254 RCON1255 RCON1256

(domicile) (included in Schedule RC-N, item 4, above).................. NR NR NR M.3.c.

d. Leases to individuals for household, family, and other personal RCONF166 RCONF167 RCONF168

expenditures (included in Schedule RC-N, item 8, above).............. NR NR NR M.3.d.

4. Loans to finance agricultural production and other loans to farmers RCON1594 RCON1597 RCON1583

(included in Schedule RC-N, item 7, above)......................................... NR NR NR M.4.

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

a. Loans and leases held for sale........ ......................... ...................

b. Loans measured at fair value:


1. Fair value............................................................................... 0 0 0 M.5.b.1.


2. Unpaid principal balance....................................................... 0 0 0 M.5.b.2.

\"r\1 L."ni uni'll\' \., v i. L\.VlvRSSD-ID 182157Last Updated on 1/29/2009


æJ

Schedule RC-N - Past Due and Nonaccrual Loans Leases and Other Assets(Column A) Past due 30 (Column B) Past due 90

Dollar amounts in thousands through 89 days days or more6. Interest rate, foreign exchange rate, and other commodity and equity

RCON3529I NR RCON3530 I NRcontracts: Fair value of amounts carried as assets....................... ............ M.6.

Schedule RC-N - Past Due and Nonaccrual Loans Leases and Other AssetsDollar amounts in thousands

7. Additions to nonaccrual assets during the quarter............................................................. RCONC410 0

8. Nonaccrual assets sold during the quarter....................................................... .................. RCONC411 0

M.7.

M.8.

Schedule RC-O - Other Data for Deposit Insurance and FICO AssessmentsDollar amounts in thousands

1. Total deposit liabilities before exclusions (gross) as defined in Section 3(1) of the FederalDeposit Insurance Act and FDIC regulations. ..... ..... .... ... ..... ................ .......... ............. ....... ....

2. Total allowable exclusions.............. ............. ............ .... ...... ...... .... ........ ........ ..... ....... ..... ... ....

3. Not applicable4. Total daily average of deposit liabilities before exclusions (gross) as defined in Section3(1) of the Federal Deposit Insurance Act and FDIC regulations. .......................... ......... .... ....5. Total daily average of allowable exclusions... ..... ... .... .............. .... .............. ........ .... ... ..........

1. Total deposits of the bank:

a. Deposit accounts (excluding retirement accounts) of $100,000 or less:

1. Amount of deposit accounts (excluding retirement accounts) of $100,000 or less..

2. Number of deposit accounts (excluding retirement accounts) of $100,000 or less..

b. Deposit accounts (excluding retirement accounts) of more than $100,000:

1. Amount of deposit accounts (excluding retirement accounts) of more than RCONF051$1 00,000.....................................................................................................................

2. Number of deposit accounts (excluding retirement accounts) of more than RCONF052$100,000.....................................................................................................................

c. Retirement deposit accounts of $250,000 or less:1. Amount of retirement deposit accounts of $250,000 or less.. .......................... ....... RCONF045

2. Number of retirement deposit accounts of $250,000 or less................................... RCONF046

d. Retirement deposit accounts of more than $250,000:

1. Amount of retirement deposit accounts of more than $250,000.................. ...........2. Number of retirement deposit accounts of more than $250,000.............................

2. Estimated amount of uninsured deposits.............................................. ......... ....................3. Has the reporting institution been consolidated with a parent bank or savings associationin 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 savingsassociation:

RCONF236 28,095

RCONF2371.

o 2

3.

RCONF238 NR

RCONF2394.

NR 5

M.1.

M.1.a.

M.1.b.

4,646M.1.b.1.

33M.1.b.2.

M.1.c.

551 M.1.c.1.

NR M.1.c.2.

a. Legal title....................... ...... ......... ......................... ..... .................... ... .... ........ ...............

b. FDIC Certificate Number................................................................................. ........ .....4. Noninterest-bearing transaction accounts (as defined in Part 370 of the FDIC's regulations)of more than $250,000 (see instructions):

a. Amount of noninterest-bearing transaction accounts of more than $250,000 (includingbalances swept from noninterest-bearing transaction accounts to noninterest-bearing RCONG167savings accounts).............................................................................................................b. Number of noninterest-bearing transaction accounts of more than $250,000.............. RCONG168

M.3.

MA.

922

MA.a.

3 MA.b.

Schedule RC-P - 1-4 Family Residential Mortgage Banking ActivitiesDollar amounts in thousands

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

a. Closed-end first liens............. ................ ........................... .................. ..........................b. Closed-end junior liens.. .................... ......................................... ...... ............................c. Open-end loans extended under lines of credit:

1. Total commitment under the lines of credit....... ................... ..................................2. Principal amount funded under the lines of credit......... ... ............. ...... ....... ...........

2. Wholesale originations and purchases during the quarter of 1-4 family residential mortgageloans for sale:

a. Closed-end first liens...................................... .................... ... ............... ............. ...........b. Closed-end junior liens................................... .............. ...... ..........................................c. Open-end loans extended under lines of credit:

1. Total commitment under the lines of credit...... ......................................................2. Principal amount funded under the lines of credit........................... ..... ..... ............

3. 1-4 family residential mortgages sold during the quarter:a. Closed-end first liens....... ........ ...... ...... ....... ..... ........ ...... ............. ................. .................b. Closed-end junior liens... ...... ... ........ ................... ................ ....... ......... ... .......................c. Open-end loans extended under lines of credit:

1. Total commitment under the lines of credit....................... .... ...... ...... .......... ...........2. Principal amount funded under the lines of credit... ...... ........... ........... ......... ... ......

4. 1-4 family residential mortgages held for sale at quarter-end (included in Schedule RC,item 4.a):

a. Closed-end first liens........ .......... .................... .......... ... .... ..... ...... ...... ...... .... ............ ......

b. Closed-end junior liens....... ......... ............. ..... ........... ......... .... .................. ... ...... ...... ......

c. Open-end loans extended under lines of credit:

1. Total commitment under the lines of credit............. .... ................... ............. ...........2. Principal amount funded under the lines of credit.......... ............... ...... ....... ..... ......

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

a. Closed-end 1-4 family residential mortgage loans........................................................

b. Open-end 1-4 family residential mortgage loans extended under lines of credit........6. Repurchases and indemnifications of 1-4 family residential mortgage loans during thequarter:

a. Closed-end first liens. ............................... ................. ...................... .............................b. Closed-end junior liens............................................................... ............. .....................c. Open-end loans extended under line of credit:

1. Total commitment under the lines of credit.......... .... ...... ................ ........................2. Principal amount funded under the lines of credit.................................................

UF"I LV V,.. Ur'1 '\ r". VI '- I. LVUI,J



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RCONF673

3.

NR 3.a

NR 3.b.

RCONF070

RCONF071

RCONF6743.c.

NR 3.c.1.

NR 3.c.2.RCONF675

4.c.

RCONF680

RCONF681

6.c.

NR 6.c.1.

NR 6.c.2.

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~Schedule RC-R - Regulatory Capital

1. Total equity capital (from Schedule RC, item 28)...... ...... ................................. ................... RCON3210 1,975

2. Net unrealized gains (losses) on available-for-sale securities............................................ RCON8434 10

3. Net unrealized loss on available-for-sale equity securities................................................. RCONA221 0

4. Accumulated net gains (losses) on cash flow hedges........................................................ RCON4336 0

5. Nonqualifying perpetual preferred stock............................................................................. RCONB588 0

6. Qualifying minority interests in consolidated subsidiaries....... ................................... ........ RCONB589 0

7. Not available mu tHHnHi

a. Disallowed goodwill and other disallowed intangible assets................................... ...... RCONB590 0

b. Cumulative change in fair value of all financial liabilities accounted for under a fairvalue option that is included in retained earnings and is attributable to changes in the RCONF264 0bank's own creditworthiness... .................. .................. ......................................................

8. Subtotal.............................................................................................................................. RCONC227 1,965

9. Not availabletliimuu tHi:ilmimluuu imuiit

a. Disallowed servicing assets and purchased credit card relationships.............. ...... ...... RCONB591 0

b. Disallowed deferred tax assets..................................................................................... RCON5610 0

10. Other additions to (deductions from) Tier 1 capital........................................................... RCONB592 0

11. Tier 1 capital..................................................................................................................... RCON8274 1,965

12. Qualifying subordinated debt and redeemable preferred stock........................................ RCON5306 0

13. Cumulative perpetual preferred stock includible in Tier 2 capital...................................... RCONB593 0

14. Allowance for loan and lease losses includible in Tier 2 capital.................... ........ ...... ..... RCON5310 297

15. Unrealized gains on available-for-sale equity securities includible in Tier 2 capital.......... RCON2221 0

16. Other Tier 2 capital components....................................................................................... RCONB594 0

17. Tier 2 capital..................................................................................................................... RCON5311 297

18. Allowable Tier 2 capital.............................................................. ....................................... RCON8275 297

19. Tier 3 capital allocated for market risk.............................................................................. RCON1395 0

20. Deductions for total risk-based capital......... ....... ....... ..... ...... ......... .... ...... ............ ...... ....... RCONB595 0

21. Total risk-based capital..................................................................................................... RCON3792 2,262

22. Average total assets (from Schedule RC-K, item 9).. ... ... ....... ........... ............... ................ RCON3368 33,591

23. Disallowed goodwill and other disallowed intangible assets (from item 7 above)............. RCONB590 0

24. Disallowed servicing assets and purchased credit card relationships (from item 9.aRCONB591 0above)....................................................................................................................................

25. Disallowed deferred tax assets (from item 9.b above)...................................................... RCON5610 0

26. Other deductions from assets for leverage capital purposes................ ............................ RCONB596 0

27. Average total assets for leverage capital purposes.......................................................... RCONA224 33,591

28. Not available lii¡lll¡u¡;u¡uumuttH

tHi;itmH tHH ¡iillllllllll¡;II¡:ltWiHHtH

a. Adjustment to Tier 1 capital reported in item 11.. ........................... ................... ........... RCONC228 0

b. Adjustment to total risk-based capital reported in item 21............................................ RCONB503 0

29. Adjustment to risk-weighted assets reported in item 62....................... ................... ......... RCONB504 0

30. Adjustment to average total assets reported in item 27................................................... RCONB505 0


1.

2.

3.

4.

5.

6.

7.

7.a.

7.b.

8.

9.

9.a.

9.b.

10.

11.

12.

13.

14.

15

16.

17.

18.

19.

20.

21.

22.

23.

24.

25

26.

27

28.

28.a.

28.b.

29.

30

Schedule RC-R - Regulatory Capital(Column A) Percentage (Column B) Percentage(Banks with Financial (All Banks)

Dollar amounts in thousands Subsidiaries)

31. Tier 1 leverage ratio............................................................................. RCON7273 0 RCON7204 0.058498

32. Tier 1 risk-based capital ratio............................ ...... ............................ RCON7274 0 RCON7206 0.08472733. Total risk-based capital ratio....................... .... ............... ...................... RCON7275 0 RCON7205 0.097534

31.

32.

33.

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(Col

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Item

s N

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(Column C)

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(Col

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(Col

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Ris

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B62

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RC

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B62

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Dol

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amou

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in th

ousa

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39. L

oans

and

leas

es, n

et o

f une

arne

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com

e...

......

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,431

RC

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3123

o

654 -

1860

4

0

IB60

9

0

RC

ON

C06

3

0

1861

8 - 0

IB62

3

34. Cash and balances dues from depository institutions............... 964 0

RCON1754 RCONB603 Rcm

35. H

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to-m

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......

......

......

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0 0

RCON1773 RCONB608 Rcm

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und

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gree

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res

ell..

......

......

......

......

......

......

......

......

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......

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2,10

2

RC

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C22

5

10

o

38. L

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and

leas

es h

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for

sale

......

......

......

......

......

......

......

......

.. I

RC

ON

5369

01

RC

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B61

7 01

Rcm

RC

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3123

40. A

llow

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for

loan

and

leas

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......

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......

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.....

852

852

RC

ON

B62

7

41. T

radi

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40.

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B62

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41

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B64

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642

RC

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B64

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42.

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5320

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5327

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5334

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3545

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RC

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RC

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Face Value or

Cre

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Allo

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581

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3821

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B65

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651

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653

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B65

4

45. P

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3411

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B65

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RC

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658

RC

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B65

9

46. C

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of c

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......

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.....

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44.

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part

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ban

kers

acc

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acq

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d by

the

repo

rtin

g in

stitu

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......

......

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...

48. S

ecur

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lent

.

49. R

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reco

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on

smal

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sol

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cour

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......

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subj

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dolla

r-fo

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rem

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51. A

ll ot

her

fina

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l ass

ets

sold

with

rec

ours

e....

......

......

.....

.....

....

52. A

ll ot

her

off-

bala

nce

shee

t lia

bilit

ies.

......

......

......

..

53. U

nuse

d co

mm

itmen

ts w

ith a

n or

igin

al m

atur

ity e

xcee

ding

one

54. D

eriv

ativ

e co

ntra

cts.

......

......

......

......

55. T

otal

ass

ets,

der

ivat

ives

, and

off-

bala

nce

shee

t ite

ms

by r

isk

wei

ght c

ateg

ory.

.....

.. ...

......

......

... .

......

... ..

. ....

......

... ..

.. ...

... ..

.....

......

. ...

56. R

isk

wei

ght f

acto

r

57. R

isk-

wei

ghte

d as

sets

by

risk

wei

ght c

ateg

ory.

......

......

......

......

..

58. M

arke

t ris

k eq

uiva

lent

ass

ets.

......

......

... ..

......

......

......

......

......

....

59. R

isk-

wei

ghte

d as

sets

bef

ore

dedu

ctio

ns fo

r ex

cess

allo

wan

cefo

r lo

an a

nd le

ase

loss

es a

nd a

lloca

ted

tran

sfer

ris

k re

serv

e....

.....

60. E

xces

s al

low

ance

for

loan

and

leas

e lo

sses

..

61. A

lloca

ted

tran

sfer

ris

k re

serv

e....

......

......

......

......

......

......

......

.....

62. T

otal

ris

k-w

eìgh

ted

asse

ts...

(Col

umn

A)

Face Value or

Not

iona

lA

mou

ntR

CO

N34

29

(Col

umn

B)

Cre

dit

Equ

ival

ent

Am

ount

RC

ON

B66

0

(Column C)

Allocation by

Ris

k W

eigh

tC

ateg

ory

0%R

CO

NB

661

(Column D)

Allo

catio

n by

Ris

k W

eigh

tC

ateg

ory

20%

RC

ON

B66

2

o

RC

ON

B66

6

oo

RC

ON

3433

RC

ON

B66

4

0

RC

ON

B66

9

0

RC

ON

B54

2

0

RC

ON

B67

6

0

RC

ON

B68

2

0

RC

ON

B68

7

45

RC

ON

A16

7

0

o

RC

ON

A25

0

o

RC

ON

B54

1

o

RC

ON

B67

5

o

RC

ON

B68

1

o

RC

ON

3833

90

RC

ON

B66

5

o

RC

ON

B67

0R

CO

NB

671

RC

ON

B67

7R

CO

NB

678

00

RC

ON

B68

3R

CO

NB

684

00

RC

ON

B68

8R

CO

NB

689

00

RC

ON

B69

3R

CO

NB

694

00

RC

ON

B69

6R

CO

NB

697

RC

ON

B70

0

Qua

rter

End

Dat

e 12

/31/

2008 ~

(Col

umn

E)

(Col

umn

F)

Allocation by

Allocation by

Ris

k W

eigh

t R

isk

Wei

ght

Cat

egor

y 50

%C

ateg

ory

100%

RC

ON

B66

3

0147

.

RC

ON

B66

8

0148

.

RC

ON

B67

3 - 0149

RC

ON

B54

3

015

0.R

CO

NB

679

RC

ON

B68

0

001

51.

RC

ON

B68

5R

CO

NB

686

001

52.

RC

ON

B69

0R

CO

NB

691

3015 53.

RC

ON

B69

5

054

.

RC

ON

B69

8R

CO

NB

699

..ft "

...,.

.... ,

.....

55.

56.

17,9

3115

7

RC

ON

1651

0158

.

RC

ON

B70

4

23,7

4715

9.

RC

ON

A22

2 5551

60.

RC

ON

3128

0161

.

RC

ON

A22

3

23,1

9216

2

Ur'1 L-VVr'1 Llr'I'Ir, Vi V I. L.VVI..


Schedule RC-R - Regulatory Capital


EJ


~ta~U;:~~~ ~r~~~t .~x.p.o.~.~ ~.~. .~.~~.~.~~. ~~I. .~.~~~~.~.t.i~~. ~~~~~~~~~. .~~~~~~~. ~~ .~~~ .~~~~.~~~.~.~.~. .~~:.~~~i.i RCON8764

Schedule RC-R - Regulatory Capital


2. Notional principal amounts of derivative contracts:

a. Interest rate contracts.................. .................. ..............................

b. Foreign exchange contracts.. ......................... ........ .......... ... ........

c. Gold contracts.. ... ....... ............... .................. ............. ....... ... .........

d. Other precious metals contracts.. ....... ................... ...... .... ....... .....

e. Other commodity contracts.........................................................

f. Equity derivative contracts............................................................

g. Credit derivative contracts:

1. Investment grade... .... ......... ... ................................................

2. Subinvestment grade. ............ ..... ........................... ... ...... .......

01 M.1.

(Column A) With (Column B) With (Column C) Witha remaining

maturity of oneyear or less

a remaining a remainingmaturity of over maturity of over

one year five yearsthrough five

years

M.2.


0 0 o M.2.a.


0 0 o M.2.b.


0 0 0 M.2.c.


0 0 0 M.2.d.


0 0 o M.2.e.

RCONAOOO RCONA001 RCONA002

0 0

M.2.g.


0 0 o M.2.g.1


0 0 o M.2.g.2.

RSS

D-I

D 1

8215

7La

st U

pdat

ed o

n 1/

29/2

009

Quarter End Date 12/31/2008 ~

Sche

dule

RC

-S -

Ser

vici

ng S

ecur

itiza

tion

and

Ass

et S

ale

Act

iviti

es(Column A) (Column B) (Column C)

1-4

Fam

ily H

ome

Equ

ity C

redi

t Car

dResidential Lines Receivables

Loa

ns

Dol

lar

amou

nts

in th

ousa

nds

1. O

utst

andi

ng p

rinci

pal b

alan

ce o

f ass

ets

sold

and

sec

uriti

zed

by th

e re

port

ing

bank

with

ser

vici

ng r

etai

ned

or w

ith r

ecou

rse

or o

ther

sel

ler-

prov

ided

cre

dit e

nhan

cem

ents

......

...

2. M

axim

um a

mou

nt o

f cre

dit e

xpos

ure

aris

ing

from

rec

ours

eor

oth

er s

elle

r-pr

ovid

ed c

redi

t enh

ance

men

ts p

rovi

ded

tost

ruct

ures

rep

orte

d in

item

1 in

the

form

of:

a. C

redi

t-en

hanc

ing

inte

rest

-onl

y st

rips

(incl

uded

inS

ched

ules

RC

-B o

r R

C-F

or

in S

ched

ule

RC

, ite

m 5

)....

..

b. S

ubor

dina

ted

secu

ritie

s an

d ot

her

resi

dual

inte

rest

s....

.

c. S

tand

by le

tters

of c

redi

t and

oth

er e

nhan

cem

ents

......

.

3. R

epor

ting

bank

's u

nuse

d co

mm

itmen

ts to

pro

vide

liqu

idity

to s

truc

ture

s re

port

ed in

item

1...

... .

.....

......

......

.... .

......

.....

.....

.

4. P

ast d

ue lo

an a

mou

nts

incl

uded

in it

em 1

:

a. 3

0-89

day

s pa

st d

ue...

......

......

......

......

......

..

b. 9

0 da

ys o

r m

ore

past

due

......

......

......

......

.... .

......

......

....

5. C

harg

e-of

fs a

nd r

ecov

erie

s on

ass

ets

sold

and

sec

uriti

zed

with

ser

vici

ng r

etai

ned

or w

ith r

ecou

rse

or o

ther

selle

r-pr

ovid

ed c

redi

t enh

ance

men

ts (

cale

ndar

yea

r-to

-dat

e):

a. C

harg

e-of

fs...

......

......

......

......

......

......

......

......

......

......

....

b. R

ecov

erie

s....

......

......

......

......

......

......

......

......

......

......

....

6. A

mou

nt o

f ow

ners

hip

(or

selle

r's)

inte

rest

s ca

rrie

d as

:

a. S

ecur

ities

(in

clud

ed in

Sch

edul

e R

C-B

or

in S

ched

ule

RC

, ite

m

(Col

umn

0)A

uto

Loan

s(C

olum

n E

)O

ther

Con

sum

erL

oans

(Col

umn

F)

Com

mer

cial

and

Indu

stria

lL

oans

(Column G)

All

Oth

erLo

ans,

All

Leas

es, a

ndA

ll O

ther

Ass

ets

RC

ON

B71

1RCONB705 RCONB706 I RCONB707

RC

ON

B70

8R

CO

NB

709

RC

ON

B71

0

01 01 0

oo

oo

1. 2.

RC

ON

B71

3R

CO

NB

714

RC

ON

B71

5R

CO

NB

716

RC

ON

B71

7R

CO

NB

718

00

00

00

°12.

a.R

CO

NC

393

RC

ON

C39

4R

CO

NC

395

RC

ON

C39

6R

CO

NC

397

RC

ON

C39

8R

CO

NC

399

00

00

00

°12.

bR

CO

NC

400

RC

ON

C40

1R

CO

NC

402

RC

ON

C40

3R

CO

NC

404

RC

ON

C40

5R

CO

NC

406

00

00

00

°12.

c.R

CO

NB

726

RC

ON

B72

7R

CO

NB

728

RC

ON

B72

9R

CO

NB

730

RC

ON

B73

1R

CO

NB

732

00

00

00

iii::!

:::::!

!!!!

!!!!

!il

liii

J4. 5. 6. 6.

8.

\,1"1

L.V

V

1" I

LJI"

I'U'\

Vi V

I. L

.VU

lvI I

IL.I.

V""

I

RSS

D-I

D 1

8215

7Q

uart

er E

nd D

ate

12/3

1/20

08La

st U

pdat

ed o

n 1/

29/2

009

~(C

olum

n A

)(C

olum

n B

)(Column C)

(Column D)

(Col

umn

E)

(Col

umn

F)

(Column G)

1-4

Fam

ilyH

ome

Equ

ityC

redi

t Car

dA

uto

Loa

nsO

ther

Com

mer

cial

All

Oth

erR

esid

entia

lL

ines

Rec

eiva

bles

Con

sum

eran

d In

dust

rial

Loan

s, A

llL

oans

Loa

nsL

oans

Leas

es, a

ndA

ll O

ther

Dol

l" ,m

o"""

;o th

o""o

od, I

I

RC

ON

6500

01

RC

ON

650,

.1

II

.j

Ass

ets

16b

b. L

oans

(in

clud

ed in

Sch

edul

e R

C-C

)....

......

......

......

......

.

7. P

ast d

ue lo

an a

mou

nts

incl

uded

in in

tere

sts

repo

rted

inite

m 6

.a:

7.

RC

ON

B76

4R

CO

NB

765

RC

ON

B76

61

a. 3

0-89

day

s pa

st d

ue...

......

... ..

......

......

......

.... .

......

......

....I.

:0

001

7.a.

RC

ON

B76

7R

CO

NB

768

RC

ON

B76

9

b. 9

0 da

ys o

r m

ore

past

due

......

......

......

......

.. ...

.... .

......

.....

00

0.

7.b.

8. C

harg

e-of

fs a

nd r

ecov

erie

s on

loan

am

ount

s in

clud

ed in

inte

rest

s re

port

ed in

item

6.a

(ca

lend

ar y

ear-

to-d

ate)

:R

IAD

B77

1

a. C

harg

e-of

fs...

......

......

......

......

......

......

......

......

......

......

....

00

RIA

DB

773

RIA

DB

774

b. R

ecov

erie

s....

.... .

......

......

......

......

......

......

......

......

......

.....

0u

u8.

b.

9. M

axim

um a

mou

nt o

f cre

dit e

xpos

ure

aris

ing

from

cre

dit

RC

ON

B77

7R

CO

NB

778

RC

ON

B78

1

enha

ncem

ents

pro

vide

d by

the

repo

rtin

g ba

nk to

oth

erin

stitu

tions

' sec

uriti

zatio

n st

ruct

ures

in th

e fo

rm o

f sta

ndby

0101

0101

0101

lette

rs o

f cre

dit,

purc

hase

d su

bord

inat

ed s

ecur

ities

, and

oth

er 1

0

enha

ncem

ents

......

......

......

......

.... .

......

.... .

......

.. ...

.. ...

.. ...

......

....

19.

10. R

epor

ting

bank

's u

nuse

d co

mm

itmen

ts to

pro

vide

liqu

idity

RC

ON

B78

3R

CO

NB

784

RC

ON

B78

5R

CO

NB

786

RC

ON

B78

7R

CO

NB

788

RC

ON

B78

9

to o

ther

inst

itutio

ns' s

ecur

itiza

tion

stru

ctur

es...

......

... ..

......

.....

00

00

00

0110

11. A

sset

s so

ld w

ith r

ecou

rse

or o

ther

sel

ler-

prov

ided

cre

dit

RC

ON

B79

0R

CO

NB

791

RC

ON

B79

2R

CO

NB

793

RC

ON

B79

4R

CO

NB

795

RC

ON

B79

6

enha

ncem

ents

and

not

sec

uriti

zed

by th

e re

port

ing

bank

.....

00

00

00

°111

.

12. M

axim

um a

mou

nt o

f cre

dit e

xpos

ure

aris

ing

from

rec

ours

eR

CO

NB

797

RC

ON

B79

8R

CO

NB

799

RC

ON

B80

0R

CO

NB

801

RC

ON

B80

2R

CO

NB

803

or o

ther

sel

ler-

prov

ided

cre

dit e

nhan

cem

ents

pro

vide

d to

°1°1

0101

0101

asse

ts r

epor

ted

in it

em 1

1....

. ....

.....

......

.....

......

......

......

......

....1

011

2.



~Schedule RC-S - Servicing Securitization and Asset Sale Activities

Dollar amounts in thousands1. Small business obligations transferred with recourse under Section 208 of the RiegleCommunity Development and Regulatory Improvement Act of 1994:

a. Outstanding principal balance......................................................................................b. Amount of retained recourse on these obligations as of the report date......................

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

a. Closed-end 1-4 family residential mortgages serviced with recourse or other RCONB804servicer-provided credit enhancements................................... ...................................... ...

b. Closed-end 1-4 family residential mortgages serviced with no recourse or other RCONBB05servicer-provided credit enhancements.. ...... .................................. .................... ..............

c. Other financial assets (includes home equity lines)...................................................... RCONA591d. 1-4 family residential mortgages serviced for others that are in process of foreclosure RCONF699at quarter-end (includes closed-end and open-end loans)...............................................

3. Asset-backed commercial paper conduits:

a. Maximum amount of credit exposure arising from credit enhancements provided toconduit structures in the form of standby letters of credit, subordinated securities, andother enhancements:

1. Conduits sponsored by the bank, a bank affiliate, or the bank's holding company.. RCONB8062. Conduits sponsored by other unrelated institutions........ ...... ......... ..... ........ ............ RCONB807

b. Unused commitments to provide liquidity to conduit structures:

1. Conduits sponsored by the bank, a bank affiliate, or the bank's holding company.. RCONB8082. Conduits sponsored by other unrelated institutions............... .................... ............. RCONBB09

4. Outstanding credit card fees and finance charges included in Schedule RC-S, item 1, RCONC407column C................................................................................................................................

M.2.

oM.2.a.

oM.2.b.

o M.2.c.

oM.2.d.

M.3.

M.3.a.

o M.3.a.1.

o M.3.a.2.

M.3.b.

o M.3.b.1.

o M.3.b.2.

NRM.4

Schedule RC-T - Fiduciary and Related ServicesDollar amounts in thousands

1. Does the institution have fiduciary powers?...................................................................... RCONA345 No

2. Does the institution exercise the fiduciary powers it has been granted?....... .................... RCONA346 No

3. Does the institution have any fiduciary or related activity (in the form of assets or accounts)RCONB867 Noto report in this schedule?.....................................................................................................

1.

2.

3

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'-r\1 LVVr\1 Ur\'''''. Vi V I. i.VUlvRSSD-ID 182157Last Updated on 1/29/2009


§J

Schedule RC-T - Fiduciary and Related ServicesDollar amounts in thousands

12. Personal trust and agency accounts................................................................................ RIADB904 CONF

13. Retirement related trust and agency accounts: imllllllllttillltlllltlllrittiim:m:m: m

rmrtm:¡

a. Employee benefit - defined contribution............ ..................................... ...... ... .............. RIADB905 CONF

b. Employee benefit - defined benefit................................................................................ RIADB906 CONF

c. Other retirement accounts............................................................................................ RIADB907 CONF

14. Corporate trust and agency accounts.............................................................................. RIADA479 CONF

15. Investment management agency accounts....................... ..... ........ .................................. RIADB908 CONF

16. Other fiduciary accounts....................... ............. ............................................. ...... ............ RIADA480 CONF

17. Custody and safekeeping a~ou~.................................................................................. RIADB909 CONF

18. Other fiduciary and related services income.................................................................... RIADB910 CONF

19. Total gross fiduciary and related services income............................................................ RIAD4070 0

20. Expenses.......................................................................................................................... RIADC058 CONF

21. Net losses from fiduciary and related services... ... .... ......................... ........ ..... ........... ...... RIADA488 CONF

22. Intracompany income credits for fiduciary and related services....................................... RIADB911 CONF

23. Net fiduciary and related services income........................................................................ RIADA491 CONF

1. Managed assets held in personal trust and agency accounts: :H¡Hi HH ihh

a. Noninterest-bearing deposits........................................................................................ RCONB913 NR

b. Interest-bearing deposits.............................................................................................. RCONB914 NR

c. U.S. Treasury and U.S. Government agency obligations... ..... ........ ...... ............ ...... ....... RCONB915 NR

d. State, county and municipal obligations.. ...... ..... ......... ...... ..... ... ............. .......... ... ....... ... RCONB916 NR

e. Money market mutual funds............... ..... ... ..... ... ................. ... ... ............... ........... ....... ... RCONB917 NR

f. Other short-term obligations......................................................................................... . RCONB918 NR

g. Other notes and bonds................................................................................................. RCONB919 NR

h. Common and preferred stocks...................................................................................... RCONB920 NR

i. Real estate mortgages................................................................................................... RCONB921 NR

j. Real estate. ........ ....... ....... .................. ..... ........ .............. ........ ...... ..... ...... ..... .... .... ...... ..... RCONB922 NR

k. Miscellaneous assets.................................................................................................... RCONB923 NR

i. Total managed assets held in personal trust and agency accounts....... ............. ..... ...... RCONB868 NR

12.

13.

13.a.

13.b.

B.c.

14.

15.

16.

17.

18.

19.

20.

21.

22.

23.

M.1.

M.1.a.

M.1.b.

M.1.c.

M.1.d.

M.1.e.

M.1.f.

M.1.g.

M.1.h.

M.1.;.

M.1.j.

M.1.k.

M.1.!.

Schedule RC-T - Fiduciary and Related Services(Column A) Number of

Dollar amounts in thousands Issues2. Corporate trust and agency accounts:

a. Corporate and municipal trusteeships.......................................... ...

b. Transfer agent, registrar, paying agent, and other corporateagency................................................................................................. RCONB929

M.2.b.

Schedule RC-T - Fiduciary and Related Services(Column A) Number of

Dollar amounts in thousands Funds3. Collective investment funds and common trust funds:

a. Domestic equity.................................... ......................... ..................b. International/Global equity...............................................................c. Stock/Bond blend.............................................................................d. Taxable bond...................................................................................e. Municipal bond................................................................................f. Short term investments/Money market..................... .............. ........

M.3.

RCONB931 NR RCONB932 NR M.3.a.

RCONB933 NR RCONB934 NR M.3.b.

RCONB935 NR RCONB936 NR M.3.c.

RCONB937 NR RCONB938 NR M.3.d.

RCONB939 NR RCONB940 NR M.3.e.

RCONB941 NR RCONB942 NR M.3.f.

-.ni Ly,ni LJnl~l, Vi .. I. '-VUI"-RSSD-ID 182157Last Updated on 1/29/2009


§J

I I .L-.. v'" I

(Column A) Number of (Column B) Market ValueDollar amounts in thousands Funds of Fund Assets

g. Specialty/Other...................................... ......... .... ..................... ........ RCONB943 I NR RCONB944 I NR

h. Total collective investment funds..... ............. ...................... ............. RCONB945 i NR RCONB946 i NR

Schedule RC-T - Fiduciary and Related Services(Column A)

Gross LossesManaged

Dollar amounts in thousands Accounts

(Column B)Gross LossesNon-Managed

Accounts

(Column C)Recoveries

4. Fiduciary settlements, surcharges, and other losses: MA.

RIADB947 RIADB948 RIADB949

CONF CONF CONF MAa.


CONF CONF CONF MA.b.


CONF CONF CONF MAc.


CONF CONF CONF MAd.


CONF CONF CONF MAe.

a. Personal trust and agency accounts.............. .............................

b. Retirement related trust and agency accounts............................

c. Investment management agency accounts. ............. .... ... ..... .......

d. Other fiduciary accounts and related services............................

e. Total fiduciary settlements, surcharges, and other losses.. .........

General InstructionsDollar amounts in thousands

1. Who Must Report on What Formsa. Close of Businessb. Frequency of Reporting

c. Differences in Detail of Reports

d. Shifts in Reporting Status2. Organization of the Instruction Books

3. Preparation of the Reports4. Signatures

a. Offcer Declarationb. Director Attestation

5. Submission of the Reportsa. Submission Dateb. Amended Reports

6. Retention of Reports7. Scope of the "Consolidated Bank" Required to be Reported in the Submitted Reports

a. Exclusions from the Coverage of the Consolidated Report

8. Rules of Consolidation

9. Reporting by Type of Office (For banks with foreign offices)

10. Publication Requirements for the Report of Condition

11. Release of Individual Bank Reports

12. Applicability of Generally Accepted Accounting Principles to Regulatory ReportingRequirements13. Accrual Basis Reporting14. Miscellaneous General Instructions

a. Rounding

M.3.g.

M.3.h.

1.

1.a.

1.b.

1.c.

1.d.

2.

3.

4.

4.a.

4.b.

5.

5.a.

5.b.

6.

7.

7.a.

8.

9.

10.

11.

12

13.

14.

14.a.

\Jr'1 L-VVr'1 Ur'I'lr'VI '-I. i.VUI..



EJ

Dollar amounts in thousandsb. Negative Entriesc. Verification

d. Transactions Occurring Near the End of a Reporting Period15. Separate Branch Reports

GlossaryDollar amounts in thousands

1. Glossary2. Acceptances

3. Accounting Changes

4. Accounting Errors, Corrections of5. Accounting Estimates, Changes in

6. Accounting Principles, Changes in7. Accrued Interest Receivable Related to Credit Card Securitizations

8. Acquisition, Development, or Construction (ADC) Arrangements

9. Agreement Corporation

10. Allowance for Loan and Lease Losses

11. Applicable Income Taxes12. Associated Company13. ATS Account

14. Bankers Acceptances

a. Bank-Owned Life Insurance15. Banks, U.S. and Foreign

16. Banks in Foreign Countries

17. Bill-of-Lading Draft

18. Borrowings and Deposits in Foreign Offices

19. Brokered Deposits20. Broker's Security Draft

21. Business Combinations

22. Call Option

23. Capitalization of Interest Costs

24. Carrybacks and Carryforwards

25. Cash Management Arrangements

26. Certificate of Deposit27. Changes in Accounting Estimates

28. Changes in Accounting Principles

29. Clearing Accounts30. Commercial Banks in the U.S.31. Commercial Letter of Credit

32. Commercial Paper33. Commodity or Bill-of-Lading Draft

34. Common Stock of Unconsolidated Subsidaries, Investments in

35. Continuing Contract36. Corporate Joint Venture

37. Corrections of Accounting Errors

38. Coupon Stripping, Treasury Receipts, and STRIPS

39. Custody Account

40. Dealer Reserve Account

a. Deferred Compensation Agreements

41. Deferred Income Taxes

14.b.

14.c_

14.d_

15

1_

7_

8.

9_

10.

11_

12.

13.

14_

14_a_

15.

16_

17.

18.

19_

20_

21.

22_

23.

24.

25_

26.

27_

28_

29.

30_

31_

32_

33_

34_

35_

36_

37_

38.

39.

40.

40.a.

41.



42. Demand Deposits

43. Depository Institutions in the U.S.44. Deposits

45. Derivative Contracts

a. Discounts

46. Dividends

47. Domestic Office

48. Domicile

49. Due Bills

50. Edge and Agreement Corporation

a. Equity-Indexed Certificates of Deposit

51. Equity Method of Accounting

52. Extinguishments of Liabilities

53. Extraordinary Items54. Fails

a. Fair Value

55. Federal Funds Transactions

56. Federally-Sponsored Lending Agency

57. Fees, Loan

58. Foreclosed Assets

59. Foreign Banks60. Foreign Currency Transactions and Translation

61. Foreign Debt Exchange Transactions62. Foreign Governments and Official Institutions

63. Foreign Office

64. Forward Contracts

65. Functional Currency

66. Futures Contracts

67. Goodwill

68. Hypothecated Deposit

69.IBF70. Income Taxes71. Intangible Assets

72. Interest-Bearing Account73. Interest Capitalization

74. Interest Rate Swaps

75. Internal-Use Computer Software

76. International Banking Facility (IBF)

77. Interoffice Accounts

78. Investments in Common Stock of Unconsolidated Subsidiaries

79. Joint Venture

80. Lease Accounting

81. Letter of Credit

82. Limited-Life Preferred Stock

83. Loan

84. Loan Fees85. Loan Impairment

86. Loan Secured by Real Estate

87. Loss Contingencies88. Majority-Owned Subsidiary89. Mandatory Convertible Debt

i i 11.'- V"' I


~

62.

63.

64.

65.

66.

67.

68.

69.

70.

71.

72.

73.

74.

75.

76.

77.

78.

79.

80.

81.

82.

83.

84.

85.

86.

87.

88.

89.



91. Mergers

92. Money Market Deposit Account (MMDA)

93. Nonaccrual Status

94. Noninterest-Bearing Account

95. Nontransaction Account

96. NOW Account

97. Offsetting

98. One-Day Transaction99. Option

100. Organization Costs101. Other Depository Institutions in the U.S.102. Other Real Estate Owned

103. Overdraft104. Participations105. Participations in Acceptances

106. Participations in Pools of Securities107. Pass-through Reserve Balances108. Perpetual Preferred Stock

109. Placements and Takings

110. Pooling of Interests

111. Preauthorized Transfer Account

112. Preferred Stock

113. Premiums and Discounts

114. Purchase Acquisition

a. Purchased Impaired Loans and Debt Securities

115. Put Option

116. Real Estate ADC Arrangements

117. Real Estate, Loan Secured By

118. Reciprocal Balances

119. Renegotiated Troubled Debt

120. Reorganizations121. Repurchase/Resale Agreements

122. Reserve Balances, Pass-through

123. Retail Sweep Arrangements

124. Sales of Assets for Risk-Based Capital Purposes125. Savings Deposits

126. Securities Activities

127. Securities Borrowing/Lending Transactions

128. Securities, Participations in Pools of

129. Servicing Assets and Liabilities

130. Settlement Date Accounting

131. Shell Branches

132. Short Position

133. Significant Subsidary

134. Standby Letter of Credit135. Start-Up Activities

136. STRIPS137. Subordinated Notes and Debentures

138. Subsidiaries

139. Suspense Accounts

140. Syndications


~I I 'Lv U"1 I

110.

111.

112.

113.

114.

114.a.

115.

116.

117.

118.

119.

120.

121.

122.

123.

124.

125.

126.

127.

128.

129.

130.

131.

132.

133.

134.

135.

136.

137.

138.

139.

140.




~

141. Telephone Transfer Account142. Term Federal Funds

143. Time Deposits144. Trade Date and Settement Date Accounting

145. Trading Account146. Transction Account147. Transfers of Financial Assets148. Traveler's Letter of Credit149. Treasury Receipts

150. Treasury Stock151. Troubled Debt Restructurings

152. Trust Preferred Securities

153. U.S. Banks

154. U.S. Territories and Possessions

155. Valuation Allowance156. When-Issued Securities Transactions

141.

142.

143.

144.

145.

146.

147.

148.

149.

150.

151.

152.

153.

154.

155.

156.

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. Syn

dica

tion:

Mul

ti-B

ank

Hol

ding

Co.

sha

ll as

sist

in th

e S

yndi

catio

n of

$78

mill

ion

NM

TC

aut

horit

y in

coo

pera

tion

with

BO

A, U

S B

ank,

Wel

l Far

go B

ank,

Wac

hovi

aB

ank,

JP

Mor

gan

Cha

se a

nd M

erril

l Lyn

ch B

ank

to th

e be

nefit

of (

The

Gat

ekee

pers

New

Mar

kets

Tax

Cre

dit V

entu

re C

apita

l Fun

d) fo

r th

e pu

rpos

e of

enh

anci

ng th

ese

curit

izat

ion

of th

e G

atek

eepe

rs V

C $

200

mill

ion

offe

ring.

. Cap

ital C

ampa

ign:

(T

he G

atek

eepe

rs N

ew M

arke

ts T

ax C

redi

t Ven

ture

Cap

ital F

und)

sha

ll ra

ise

$200

mill

ion

in p

rivat

e ca

pita

l in

the

Pub

lic M

arke

t as

is c

omm

on in

the

Cap

ital M

arke

ts.

from: sent: monday, march 02, 20094:36 pm 1 of3 bogue, richard murray d. anderson sr....

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