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Form FFIEC 031 FFIEC 031 Consolidated Reports of Condition and Income for a Bank
ICR 202512-7100-005 · OMB 7100-0036 · Object 164807500.
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Federal Financial Institutions Examination Council Board of Governors of the Federal Reserve System OMB Number 7100-0036 Federal Deposit Insurance Corporation OMB Number 3064-0052 Office of the Comptroller of the Currency OMB Number 1557-0081 Approval expires September 30, 2028 Page 1 of 88 Consolidated Reports of Condition and Income for a Bank with Domestic and Foreign Offices—FFIEC 031 Report at the close of business September 30, 2025 (20250930) This report is required by law: 12 U.S.C. § 324 (State member banks); 12 U.S.C. § 1817 (State nonmember banks); 12 U.S.C. § 161 (National banks); and 12 U.S.C. § 1464 (Savings associations). This report form is to be filed by (1) banks with branches and consolidated subsidiaries in U.S. territories and possessions, Edge or Agreement subsidiaries, foreign branches, consolidated foreign subsidiaries, or International Banking Facilities, (2) banks with domestic offices only and total consolidated assets of $100 billion or more, and (3) banks that are advanced approaches institutions for regulatory capital purposes. (RCON 9999) Unless the context indicates otherwise, the term “bank” in this report form refers to both banks and savings associations. NOTE: Each bank’s board of directors and senior management are responsible for establishing and maintaining an effective system of internal control, including controls over the Reports of Condition and Income. The Reports of Condition and Income are to be prepared in accordance with federal regulatory authority instructions. The Reports of Condition and Income must be signed by the Chief Financial Officer (CFO) of the reporting bank (or by the individual performing an equivalent function) and attested to by not less than two directors (trustees) for state nonmember banks and three directors for state member banks, national banks, and savings associations. I, the undersigned CFO (or equivalent) of the named bank, attest that the Reports of Condition and Income (including the supporting schedules) for this report date have been prepared in conformance with the instructions issued by the appropriate Federal regulatory authority and are true and correct to the best of my knowledge and belief. We, the undersigned directors (trustees), attest to the correctness of the Reports of Condition and Income (including the supporting schedules) for this report date and declare that the Reports of Condition and Income have been examined by us and to the best of our knowledge and belief have been prepared in conformance with the instructions issued by the appropriate Federal regulatory authority and are true and correct. Director (Trustee) Signature of Chief Financial Officer (or Equivalent) Director (Trustee) Date of Signature Director (Trustee) Submission of Reports Each bank must file its Reports of Condition and Income (Call Report) data by either: (a) Using computer software to prepare its Call Report and then submitting the report data directly to the FFIEC’s Central Data Repository (CDR), an Internet-based system for data collection (https://cdr.ffiec.gov/cdr/), or (b) Completing its Call Report in paper form and arranging with a software vendor or another party to convert the data into the electronic format that can be processed by the CDR. The software vendor or other party then must electronically submit the bank’s data file to the CDR. For technical assistance with submissions to the CDR, please contact the CDR Help Desk by telephone at (888) CDR-3111, by fax at (703) 774-3946, or by e-mail at cdr.help@cdr.ffiec.gov. To fulfill the signature and attestation requirement for the Reports of Condition and Income for this report date, attach your bank’s completed signature page (or a photocopy or a computer generated version of this page) to the hard-copy record of the data file submitted to the CDR that your bank must place in its files. The appearance of your bank’s hard-copy record of the submitted data file need not match exactly the appearance of the FFIEC’s sample report forms, but should show at least the caption of each Call Report item and the reported amount. Legal Title of Bank (RSSD 9017) City (RSSD 9130) State Abbreviation (RSSD 9200) FDIC Certificate Number (RSSD 9050) Zip Code (RSSD 9220) Legal Entity Identifier (LEI) (Report only if your institution already has an LEI.) (RCON 9224) The estimated average burden associated with this information collection is 86.12 hours per respondent and is expected to vary by institution, depending on individual circumstances. Burden estimates include the time for reviewing instructions, gathering and maintaining data in the required form, and completing the information collection, but exclude the time for compiling and maintaining business records in the normal course of a respondent’s activities. A Federal agency may not conduct or sponsor, and an organization (or a person) is not required to respond to a collection of information, unless it displays a currently valid OMB control number. Comments concerning the accuracy of this burden estimate and suggestions for reducing this burden should be directed to the Office of Information and Regulatory Affairs, Office of Management and Budget, Washington, DC 20503, and to one of the following: Secretary, Board of Governors of the Federal Reserve System, 20th and C Streets, NW, Washington, DC 20551; Legislative and Regulatory Analysis Division, Office of the Comptroller of the Currency, Washington, DC 20219; Assistant Executive Secretary, Federal Deposit Insurance Corporation, Washington, DC 20429. 09/2025 FFIEC 031 Page 2 of 88 Consolidated Reports of Condition and Income for a Bank with Domestic and Foreign Offices Table of Contents Signature Page ............................................................ 1 Schedule RC-F—Other Assets................................ RC-21 Contact Information................................................. 3, 4 Schedule RC-G—Other Liabilities ............................ RC-21 Report of Income Schedule RC-H—Selected Balance Sheet Items for Domestic Offices ...........................................RC-22, 23 Schedule RI—Income Statement .................... RI-1, 2, 3, 4 Schedule RC-I—Assets and Liabilities of IBFs .......... RC-23 Schedule RI-A—Changes in Bank Equity Capital..........RI-5 Schedule RC-K—Quarterly Averages ..................... RC-24 Schedule RI-B—Charge-offs and Recoveries on Loans and Leases and Changes in Allowances for Credit Losses: Part I. Charge-offs and Recoveries on Loans and Leases ..........................................................RI-5, 6 Part II. Changes in Allowances for Credit Losses ..............................................................RI-7 Schedule RC-L—Derivatives and Off-Balance-Sheet Items ....................RC-25, 26, 27, 28 Schedule RI-C—Disaggregated Data on the Allowances for Credit Losses (to be completed only by selected banks) ................ RI-8 Schedule RI-D—Income from Foreign Offices .............RI-9 Schedule RI-E—Explanations............................. RI-10, 11 Report of Condition Schedule RC—Balance Sheet ...........................RC-1, 2, 3 Schedule RC-A—Cash and Balances Due from Depository Institutions .................................. RC-4 Schedule RC-B—Securities ....................RC-4, 5, 6, 7, 8, 9 Schedule RC-M—Memoranda ..................... RC-29, 30, 31 Schedule RC-N—Past Due and Nonaccrual Loans, Leases, and Other Assets ................. RC-32, 33, 34, 35 Schedule RC-O—Other Data for Deposit Insurance Assessments ......................... RC-36, 37, 38, 39, 40, 41 Schedule RC-P—1–4 Family Residential Mortgage Banking Activities in Domestic Offices (to be completed only by selected banks) ............ RC-42 Schedule RC-Q—Assets and Liabilities Measured at Fair Value on a Recurring Basis (to be completed only by selected banks) .. RC-43, 44, 45 Schedule RC-R—Regulatory Capital: Part I. Regulatory Capital Components and Ratios................................RC-46, 47, 48, 49, 50 Part II. Risk-Weighted Assets .......................RC-51, 52, 53, 54, 55, 56, 57, 58, 59, 60, 61, 62, 63, 64 Schedule RC-C—Loans and Lease Financing Receivables: Part I. Loans and Leases.............. RC-10, 11, 12, 13, 14 Part II. Loans to Small Businesses and Small Farms .................................................. RC-15 Schedule RC-S—Servicing, Securitization, and Asset Sale Activities ......................... RC-65, 66, 67 Schedule RC-D—Trading Assets and Liabilities (to be completed only by selected banks)..........................................................RC-16, 17 Schedule RC-V—Variable Interest Entities .............. RC-72 Schedule RC-E—Deposit Liabilities: Schedule RC-T—Fiduciary and Related Services ............................................RC-68, 69, 70, 71 Optional Narrative Statement Concerning the Amounts Reported in the Consolidated Reports of Condition and Income..................................... RC-73 Part I. Deposits in Domestic Offices ........ RC-18, 19, 20 Part II. Deposits in Foreign Offices (including Edge and Agreement Subsidiaries and IBFs).... RC-20, For information or assistance, national banks, state nonmember banks, and savings associations should contact the FDIC’s Data Collection and Analysis Section, 550 17th Street, NW, Washington, DC 20429, toll free on (800) 688-FDIC(3342), Monday through Friday between 8:00 a.m. and 5:00 p.m., Eastern Time. State member banks should contact their Federal Reserve District Bank. 12/2024 FFIEC 031 Page 3 of 88 Contact Information for the Reports of Condition and Income To facilitate communication between the Agencies and the bank concerning the Reports of Condition and Income, please provide contact information for (1) the Chief Financial Officer (or equivalent) of the bank signing the reports for this quarter, and (2) the person at the bank—other than the Chief Financial Officer (or equivalent)—to whom questions about the reports should be directed. If the Chief Financial Officer (or equivalent) is the primary contact for questions about the reports, please provide contact information for another person at the bank who will serve as a secondary contact for communications between the Agencies and the bank concerning the Reports of Condition and Income. Enter “none” for the contact’s e-mail address or fax number if not available. Contact information for the Reports of Condition and Income is for the confidential use of the Agencies and will not be released to the public. Chief Financial Officer (or Equivalent) Signing the Reports Other Person to Whom Questions about the Reports Should be Directed Name (TEXT C490) Name (TEXT C495) Title (TEXT C491) Title (TEXT C496) E-mail Address (TEXT C492) E-mail Address (TEXT 4086) Area Code / Phone Number / Extension (TEXT C493) Area Code / Phone Number / Extension (TEXT 8902) Area Code / FAX Number (TEXT C494) Area Code / FAX Number (TEXT 9116) Chief Executive Officer Contact Information This information is being requested so the Agencies can distribute notifications about policy initiatives, deposit insurance assessments, and other matters directly to the Chief Executive Officers of reporting institutions. Notifications about other matters may include emergency notifications that may or may not also be sent to the institution's emergency contacts listed below. Please provide contact information for the Chief Executive Officer of the reporting institution. Enter "none" for the Chief Executive Officer's e-mail address or fax number if not available. Chief Executive Officer contact information is for the confidential use of the Agencies and will not be released to the public. Chief Executive Officer Name (TEXT FT42) Area Code / Phone Number / Extension (TEXT FT43) E-mail Address (TEXT FT44) Area Code / FAX Number (TEXT FT45) Emergency Contact Information This information is being requested so the Agencies can distribute critical, time-sensitive information to emergency contacts at banks. Please provide primary contact information for a senior official of the bank who has decision-making authority. Also provide information for a secondary contact if available. Enter “none” for the contact’s e-mail address or fax number if not available. Emergency contact information is for the confidential use of the Agencies and will not be released to the public. Primary Contact Secondary Contact Name (TEXT C366) Name (TEXT C371) Title (TEXT C367) Title (TEXT C372) E-mail Address (TEXT C368) E-mail Address (TEXT C373) Area Code / Phone Number / Extension (TEXT C369) Area Code / Phone Number / Extension (TEXT C374) Area Code / FAX Number (TEXT C370) Area Code / FAX Number (TEXT C375) 09/2016 FFIEC 031 Page 4 of 88 USA PATRIOT Act Section 314(a) Anti-Money Laundering Contact Information This information is being requested to identify points-of-contact who are in charge of your bank’s USA PATRIOT Act Section 314(a) information requests. Bank personnel listed could be contacted by law enforcement officers or the Financial Crimes Enforcement Network (FinCEN) for additional information related to specific Section 314(a) search requests or other anti-terrorist financing and antimoney-laundering matters. Communications sent by FinCEN to the bank for purposes other than Section 314(a) notifications will state the intended purpose and should be directed to the appropriate bank personnel for review. Any disclosure of customer records to law enforcement officers or FinCEN must be done in compliance with applicable law, including the Right to Financial Privacy Act (12 U.S.C. 3401 et seq.). Please provide information for a primary and secondary contact. Information for a third and fourth contact may be provided at the bank’s option. Enter “none” for the contact’s e-mail address if not available. This contact information is for the confidential use of the Agencies, FinCEN, and law enforcement officers and will not be released to the public. Primary Contact Secondary Contact Name (TEXT C437) Name (TEXT C442) Title (TEXT C438) Title (TEXT C443) E-mail Address (TEXT C439) E-mail Address (TEXT C444) Area Code / Phone Number / Extension (TEXT C440) Area Code / Phone Number / Extension (TEXT C445) Third Contact Fourth Contact Name (TEXT C870) Name (TEXT C875) Title (TEXT C871) Title (TEXT C876) E-mail Address (TEXT C872) E-mail Address (TEXT C877) Area Code / Phone Number / Extension (TEXT C873) Area Code / Phone Number / Extension (TEXT C878) 06/2012 FFIEC 031 Page 5 of 88 RI-1 Consolidated Report of Income for the period January 1, 2025–September 30, 2025 All Report of Income schedules are to be reported on a calendar year-to-date basis in thousands of dollars. Schedule RI—Income Statement Dollar Amounts in Thousands RIAD 1. Interest income: a. Interest and fee income on loans: (1) In domestic offices: (a) Loans secured by real estate: (1) Loans secured by 1– 4 family residential properties.................................... (2) All other loans secured by real estate ...................................................... (b) Loans to finance agricultural production and other loans to farmers ..................... (c) Commercial and industrial loans ................................................................... (d) Loans to individuals for household, family, and other personal expenditures: (1) Credit cards ......................................................................................... (2) Other (includes revolving credit plans other than credit cards, automobile loans, and other consumer loans) ...................................................................... (e) Loans to foreign governments and official institutions ........................................ (f) All other loans in domestic offices ................................................................. (2) In foreign offices, Edge and Agreement subsidiaries, and IBFs ............................... (3) Total interest and fee income on loans (sum of items 1.a.(1)(a) through 1.a.(2)) ......... b. Income from lease financing receivables................................................................. c. Interest income on balances due from depository institutions1 ..................................... d. Interest and dividend income on securities: (1) U.S. Treasury securities and U.S. Government agency obligations (excluding mortgage-backed securities) ............................................................. (2) Mortgage-backed securities ............................................................................. (3) All other securities (includes securities issued by states and political subdivisions in the U.S.) ................ e. Interest income from trading assets ....................................................................... f. Interest income on federal funds sold and securities purchased under agreements to resell.... g. Other interest income ......................................................................................... h. Total interest income (sum of items 1.a.(3) through 1.g) ............................................. 2. Interest expense: a. Interest on deposits: (1) Interest on deposits in domestic offices: (a) Transaction accounts (interest-bearing demand deposits, NOW accounts, ATS accounts, and telephone and preauthorized transfer accounts) ........................... (b) Nontransaction accounts: (1) Savings deposits (includes MMDAs) ......................................................... (2) Time deposits of $250,000 or less ............................................................ (3) Time deposits of more than $250,000........................................................ (2) Interest on deposits in foreign offices, Edge and Agreement subsidiaries, and IBFs .... b. Expense of federal funds purchased and securities sold under agreements to repurchase ...... c. Interest on trading liabilities and other borrowed money ............................................. 4435 4436 4024 Amount 4012 1.a.(1)(a)(1) 1.a.(1)(a)(2) 1.a.(1)(b) 1.a.(1)(c) B485 1.a.(1)(d)(1) B486 4056 4065 4115 1.a.(1)(d)(2) 1.a.(1)(e) 1.a.(1)(f) 1.a.(2) 1.a.(3) 1.b. 1.c. B488 B489 1.d.(1) 1.d.(2) 4060 4069 4020 4518 4107 1.d.(3) 1.e. 1. f. 1.g. 1.h. 4508 2.a.(1)(a) 0093 HK03 HK04 2.a.(1)(b)(1) 2.a.(1)(b)(2) 2.a.(1)(b)(3) 2.a.(2) 2.b. 2.c. B487 4059 4010 4172 4180 4185 1. Includes interest income on time certificates of deposit not held for trading. 09/2025 FFIEC 031 Page 6 of 88 RI-2 Schedule RI—Continued Year-to-date Dollar Amounts in Thousands RIAD 2. Interest expense (continued): d. Interest on subordinated notes and debentures ............................................................... e. Total interest expense (sum of items 2.a through 2.d) ....................................................... 3. Net interest income (item 1.h minus 2.e) ........................................... 4074 4. Provisions for credit losses1 ............................................................ JJ33 5. Noninterest income: a. Income from fiduciary activities2 ................................................................................... b. Service charges on deposit accounts ............................................................................ c. Trading revenue3 ...................................................................................................... d. Income from securities-related and insurance activities: (1) Fees and commissions from securities brokerage ....................................................... (2) Investment banking, advisory, and underwriting fees and commissions ........................... (3) Fees and commissions from annuity sales ................................................................. (4) Underwriting income from insurance and reinsurance activities ...................................... (5) Income from other insurance activities ...................................................................... e. Venture capital revenue ............................................................................................. f. Net servicing fees ..................................................................................................... g. Net securitization income............................................................................................ h. Not applicable i. Net gains (losses) on sales of loans and leases............................................................... j. Net gains (losses) on sales of other real estate owned ...................................................... k. Net gains (losses) on sales of other assets4 ................................................................... l. Other noninterest income* .......................................................................................... m. Total noninterest income (sum of items 5.a through 5.l).................... 4079 6. a. Realized gains (losses) on held-to-maturity securities ....................... 3521 b. Realized gains (losses) on available-for-sale debt securities .............. 3196 7. Noninterest expense: a. Salaries and employee benefits ................................................................................... b. Expenses of premises and fixed assets (net of rental income) (excluding salaries and employee benefits and mortgage interest) ...................................... c. (1) Goodwill impairment losses .................................................................................... (2) Amortization expense and impairment losses for other intangible assets .......................... d. Other noninterest expense*......................................................................................... e. Total noninterest expense (sum of items 7.a through 7.d) .................. 4093 8. a. Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) ................. HT69 b. Change in net unrealized holding gains (losses) on equity securities not held for trading5 ................................................................................. HT70 c. Income (loss) before applicable income taxes and discontinued operations (sum of items 8.a and 8.b)............................................ 4301 9. Applicable income taxes (on item 8.c)............................................... 4302 10. Income (loss) before discontinued operations (item 8.c minus item 9) ..... 4300 11. Discontinued operations, net of applicable income taxes* ..................... FT28 4200 4073 Amount 2.d. 2.e. 3. 4. 4070 4080 A220 5.a. 5.b. 5.c. C886 5.d.(1) 5.d.(2) 5.d.(3) 5.d.(4) 5.d.(5) 5.e. 5. f. 5.g. C888 C887 C386 C387 B491 B492 B493 5416 5415 B496 B497 5. i. 5. j. 5.k. 5. l. 5.m. 6.a. 6.b. 4135 7.a. 4217 C216 7.b. 7.c.(1) 7.c.(2) 7.d. 7.e. C232 4092 8.a. 8.b. 8.c. 9. 10. 11. * Describe on Schedule RI-E—Explanations. 1. Institutions should report in item 4 the provisions for credit losses on all financial assets and off-balance-sheet credit exposures. 2. For banks required to complete Schedule RC-T, items 14 through 22, income from fiduciary activities reported in Schedule RI, item 5.a, must equal the amount reported in Schedule RC-T, item 22. 3. For banks required to complete Schedule RI, Memorandum item 8, trading revenue reported in Schedule RI, item 5.c, must equal the sum of Memorandum items 8.a through 8.e. 4. Exclude net gains (losses) on sales of trading assets and held-to-maturity and available-for-sale debt securities. 5. Item 8.b is to be completed by all institutions. See the instructions for this item and the Glossary entry for "Securities Activities" for further detail on accounting for investments in equity securities. 03/2024 FFIEC 031 Page 7 of 88 RI-3 Schedule RI—Continued Dollar Amounts in Thousands RIAD 12. Net income (loss) attributable to bank and noncontrolling (minority) interests (sum of items 10 and 11) ............................................. G104 13. LESS: Net income (loss) attributable to noncontrolling (minority) interests (if net income, report as a positive value; if net loss, report as a negative value) ............................................................... G103 14. Net income (loss) attributable to bank (item 12 minus item 13)......... 4340 Year-to-date Amount 12. 13. 14. Memoranda Dollar Amounts in Thousands RIAD 1. Interest expense incurred to carry tax-exempt securities, loans, and leases acquired after August 7, 1986, that is not deductible for federal income tax purposes ............................... 4513 Year-to-date Amount M.1. Memorandum item 2 is to be completed by banks with $1 billion or more in total assets1 2. Income from the sale and servicing of mutual funds and annuities in domestic offices (included in Schedule RI, 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 (round to nearest whole number) ................................................................................ 6. Not applicable 7. If the reporting institution has applied push down accounting this calendar year, report the date of the institution's acquisition (see instructions)2 ...................................................... 8. Trading revenue (from cash instruments and derivative instruments) (sum of Memorandum items 8.a through 8.e must equal Schedule RI, item 5.c): 8431 M.2. 4313 M.3. 4507 M.4. Number 4150 M.5. RIAD 9106 Date RIAD 8757 8758 8759 Amount M.7. Memorandum items 8.a through 8.e are to be completed by banks that reported total trading assets of $10 million or more for any quarter of the preceding calendar year. a. b. c. d. e. Interest rate exposures......................................................................................... Foreign exchange exposures................................................................................. Equity security and index exposures ....................................................................... Commodity and other exposures ............................................................................ Credit exposures................................................................................................. 8760 F186 M.8.a. M.8.b. M.8.c. M.8.d. M.8.e. Memorandum items 8.f through 8.h are to be completed by banks with $100 billion or more in total assets that are required to complete Schedule RI, Memorandum items 8.a through 8.e, above.1 f. Impact on trading revenue of changes in the creditworthiness of the bank's derivatives counterparties on the bank's derivative assets (year-to-date changes) (included in Memorandum items 8.a through 8.e above): (1) Gross credit valuation adjustment (CVA) .............................................................. FT36 (2) CVA hedge .................................................................................................... FT37 M.8.f.(1) M.8.f.(2) 1. The asset-size tests are based on the total assets reported on the June 30, 2024, Report of Condition. 2. Report the date in YYYYMMDD format. For example, a bank acquired on March 1, 2025, would report 20250301. 03/2025 FFIEC 031 Page 8 of 88 RI-4 Schedule RI—Continued Memoranda—Continued Dollar Amounts in Thousands g. Impact on trading revenue of changes in the creditworthiness of the bank on the bank's derivative liabilities (year-to-date changes) (included in Memorandum items 8.a through 8.e above): (1) Gross debit valuation adjustment (DVA) ............................................................... (2) DVA hedge .................................................................................................... h. Gross trading revenue, before including positive or negative net CVA and net DVA ........... RIAD Year-to-date Amount FT38 FT39 FT40 M.8.g.(1) M.8.g.(2) M.8.h. C889 M.9.a. M.9.b. M.10. Memorandum items 9.a and 9.b are to be completed by banks with $10 billion or more in total assets1 9. Net gains (losses) recognized in earnings on credit derivatives that economically hedge credit 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 (see instructions) ............................................................... 11. Does the reporting bank have a Subchapter S election in effect for federal income tax purposes for the current tax year? .............................................................................. 12. Not applicable C890 A251 RIAD Yes A530 No M.11. Memorandum item 13 is to be completed by banks that have elected to account for assets and liabilities under a fair value option. 13. Net gains (losses) recognized in earnings on assets and liabilities that are reported at fair value under a fair value option: a. Net gains (losses) on assets .................................................................................. (1) Estimated net gains (losses) on loans attributable to changes in instrument-specific credit risk....................................................................................................... b. Net gains (losses) on liabilities ................................................................................ (1) Estimated net gains (losses) on liabilities attributable to changes in instrument-specific credit risk....................................................................................................... 14. Not applicable RIAD Amount F551 M.13.a. F552 F553 M.13.a.(1) M.13.b. F554 M.13.b.(1) H032 M.15.a. H033 M.15.b. H034 H035 M.15.c. M.15.d. Memorandum item 15 is to be completed by institutions with $1 billion or more in total assets1 that answered "Yes" to Schedule RC-E, Part I, Memorandum item 5. 15. Components of service charges on deposit accounts in domestic offices (sum of Memorandum items 15.a through 15.d must equal Schedule RI, item 5.b): a. Consumer overdraft-related service charges levied on those transaction account and nontransaction savings account deposit products intended primarily for individuals for personal, household, or family use ................................................... b. Consumer account periodic maintenance charges levied on those transaction account and nontransaction savings account deposit products intended primarily for individuals for personal, household, or family use ................................................... c. Consumer customer automated teller machine (ATM) fees levied on those transaction account and nontransaction savings account deposit products intended primarily for individuals for personal, household, or family use ................................................... d. All other service charges on deposit accounts ............................................................ 1. The asset-size tests are based on the total assets reported on the June 30, 2024, Report of Condition. 03/2025 FFIEC 031 Page 9 of 88 RI-5 Schedule RI-A—Changes in Bank Equity Capital Dollar Amounts in Thousands 1. Total bank equity capital most recently reported for the December 31, 2024, Reports of Condition and Income (i.e., after adjustments from amended Reports of Income) ................. 2. Cumulative effect of changes in accounting principles and corrections of material accounting errors* ................................................................................................... 3. Balance end of previous calendar year as restated (sum of items 1 and 2) .......................... 4. Net income (loss) attributable to bank (must equal Schedule RI, item 14)............................ 5. Sale, conversion, acquisition, or retirement of capital stock, net (excluding treasury stock transactions) ........................................................................ 6. Treasury stock transactions, net ................................................................................. 7. Changes incident to business combinations, net ............................................................ 8. LESS: Cash dividends declared on preferred stock ........................................................ 9. LESS: Cash dividends declared on common stock ......................................................... 10. Other comprehensive income1 ................................................................................... 11. Other transactions with stockholders (including a parent holding company)* (not included in items 5, 6, 8, or 9 above) ..................................................................... 12. Total bank equity capital end of current period (sum of items 3 through 11) (must equal Schedule RC, item 27.a) .......................................................................... RIAD Amount 3217 1. B507 B508 4340 2. 3. 4. B509 B510 B511 5. 6. 7. 8. 9. 10. 4415 11. 3210 12. 4356 4470 4460 * Describe on Schedule RI-E—Explanations 1. Includes, but is not limited to, changes in net unrealized holding gains (losses) on available-for-sale debt securities, changes in accumulated net gains (losses) on cash flow hedges, foreign currency translation adjustments, and pension and other postretirement plan-related changes other than net periodic benefit cost. Schedule RI-B—Charge-offs and Recoveries on Loans and Leases and Changes in Allowances for Credit Losses Part I. Charge-offs and Recoveries on Loans and Leases Part I includes charge-offs and recoveries through the allocated transfer risk reserve. (Column A) Charge-offs1 Dollar Amounts in Thousands RIAD 1. Loans secured by real estate: a. Construction, land development, and other land loans in domestic offices: (1) 1–4 family residential construction loans .............................. (2) Other construction loans and all land development and other land loans ..................................................................... b. Secured by farmland in domestic offices ................................... c. Secured by 1–4 family residential properties in domestic offices: (1) Revolving, open-end loans secured by 1– 4 family residential properties and extended under lines 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 in domestic offices................................................................... e. Secured by nonfarm nonresidential properties in domestic offices: (1) Loans secured by owner-occupied nonfarm nonresidential properties................................................... (2) Loans secured by other nonfarm nonresidential properties ....... f. In foreign offices .................................................................. 1. Include write-downs arising from transfers of loans to a held-for-sale account. (Column B) Recoveries Calendar Year-to-date Amount RIAD Amount C891 C892 1.a.(1) C893 3584 C894 3585 1.a.(2) 1.b. 5411 5412 1.c.(1) C234 C235 C217 C218 1.c.(2)(a) 1.c.(2)(b) 3588 3589 1.d. C895 C897 B512 C896 C898 B513 1.e.(1) 1.e.(2) 1. f. 03/2025 FFIEC 031 Page 10 of 88 RI-6 Schedule RI-B—Continued Part I—Continued (Column A) Charge-offs1 (Column B) Recoveries Calendar Year-to-date Dollar Amounts in Thousands RIAD 2. Not applicable 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. Loans to individuals for household, family, and other personal expenditures: a. Credit cards ............................................................................... b. Automobile loans ........................................................................ c. Other (includes revolving credit plans other than credit cards, and other consumer loans) ......................................................................... 6. Loans to foreign governments and official institutions............................. 7. All other loans ............................................................................... 8. Lease financing receivables: a. Leases to individuals for household, family, and other personal expenditures .............................................................................. b. All other leases........................................................................... 9. Total (sum of items 1 through 8) ........................................................ Amount RIAD Amount 4655 4665 3. 4645 4617 4646 4618 4.a. 4.b. B514 K129 B515 K133 5.a. 5.b. K205 4643 4644 K206 4627 4628 5.c. 6. 7. F185 F187 C880 4635 F188 4605 8.a. 8.b. 9. Memoranda (Column A) Charge-offs1 (Column B) Recoveries Calendar Year-to-date Dollar Amounts in Thousands RIAD 1. Loans to finance commercial real estate, construction, and land development activities (not secured by real estate) included in Schedule RI-B, Part I, items 4 and 7, above ........................................ 5409 2. Loans secured by real estate to non-U.S. addressees (domicile) (included in Schedule RI-B, Part I, item 1, above) ................................. 4652 3. Not applicable Amount Memorandum item 4 is to be completed by banks that (1) together with affiliated institutions, have outstanding credit card receivables (as defined in the instructions) that exceed $500 million as of the report date, or (2) are credit card specialty banks as defined for Uniform Bank Performance Report purposes. RIAD Amount 5410 M.1. 4662 M.2. Calendar Year-to-date RIAD 4. Uncollectible retail credit card fees and finance charges reversed against income (i.e., not included in charge-offs against the allowance for credit losses on loans and leases)......... C388 Amount M.4. 1. Include write-downs arising from transfers of loans to a held-for-sale account. 03/2024 FFIEC 031 Page 11 of 88 RI-7 Schedule RI-B—Continued Part II. Changes in Allowances for Credit Losses (Column A) Loans and Leases Held for Investment Dollar Amounts in Thousands 1. Balance most recently reported for the December 31, 2024, Reports of Condition and Income (i.e., after adjustments from amended Reports of Income) ............................................ 2. Recoveries (column A must equal Part I, item 9, column B, above) ............................................. 3. LESS: Charge-offs (column A must equal Part I, item 9, column A, above less Schedule RI-B, Part II, item 4, column A) .......... 4. LESS: Write-downs arising from transfers of financial assets ................................................ 5. Provisions for credit losses1 ............................... 6. Adjustments* (see instructions for this schedule) .... 7. Balance end of current period (sum of items 1, 2, 5, and 6, less items 3 and 4) (column A must equal Schedule RC, item 4.c) ........ RIAD Amount (Column B) Held-to-Maturity Debt Securities RIAD Amount (Column C) Available-for-Sale Debt Securities RIAD Amount B522 JH88 JH94 1. 4605 JH89 JH95 2. C079 JH92 JH98 3. 5523 4230 JJ00 JH90 JJ01 JH96 C233 JH91 JH97 4. 5. 6. 3123 JH93 JH99 7. * Describe on Schedule RI-E—Explanations. 1. The sum of item 5, columns A through C, plus Schedule RI-B, Part II, Memorandum items 5 and 7, below must equal Schedule RI, item 4. Memoranda Dollar Amounts in Thousands RIAD 1. Allocated transfer risk reserve included in Schedule RI-B, Part II, item 7, column A, above .............. C435 Amount M.1. Memorandum items 2 and 3 are to be completed by banks that (1) together with affiliated institutions, have outstanding credit card receivables (as defined in the instructions) that exceed $500 million as of the report date, or (2) are credit card specialty banks as defined for Uniform Bank Performance Report purposes. 2. Separate valuation allowance for uncollectible retail credit card fees and finance charges ............... C389 3. Amount of allowance for credit losses on loans and leases attributable to retail credit card fees and finance charges ......................................................................................................... C390 4. Not applicable 5. Provisions for credit losses on other financial assets measured at amortized cost (not included in item 5, above) .............................................................................................................. JJ02 RCFD 6. Allowance for credit losses on other financial assets measured at amortized cost (not included in item 7, above) .............................................................................................................. JJ03 M.2. M.3. M.5. M.6. RIAD 7. Provisions for credit losses on off-balance-sheet credit exposures .............................................. MG93 8. Estimated amount of expected recoveries of amounts previously written off included within the allowance for credit losses on loans and leases held for investment (included in item 7, column A, "Balance end of current period," above) ................................................................................ MG94 M.7. M.8. 03/2025 FFIEC 031 Page 12 of 88 RI-8 Schedule RI-C—Disaggregrated Data on the Allowances for Credit Losses Schedule RI-C, is to be completed by institutions with $1 billion or more in total assets.1 (Column A) Amortized Cost Dollar Amounts in Thousands RCFD Loans and Leases Held for Investment: 1. Real estate loans: a. Construction loans ....................................................................... b. Commercial real estate loans ......................................................... c. Residential real estate loans .......................................................... 2. Commercial loans 2 ........................................................................... 3. Credit cards .................................................................................... 4. Other consumer loans ....................................................................... 5. Unallocated, if any............................................................................ 6. Total (sum of items 1.a. through 5)3 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Amount (Column B) Allowance Balance RCFD JJ04 JJ12 JJ05 JJ06 JJ13 JJ14 JJ07 JJ15 JJ08 JJ09 JJ16 JJ17 JJ18 JJ11 JJ19 Dollar Amounts in Thousands Held-To-Maturity Securities: 7. Securities issued by states and political subdivision in the U.S. ................................................ 8. Mortgage-backed securities (MBS) (including CMOs, REMICs, and stripped MBS) ...................... 9. Asset-backed securities and structured financial products ....................................................... 10. Other debt securities ....................................................................................................... 11. Total (sum of items 7 through 10)4 ...................................................................................... Amount 1.a. 1.b. 1.c. 2. 3. 4. 5. 6. Allowance Balance Amount RCFD JJ20 JJ21 JJ23 JJ24 JJ25 7. 8. 9. 10. 11. 1. The $1 billion asset-size test is based on the total assets reported on the June 30, 2024, Report of Condition. 2. Include all loans and leases not reported as real estate loans, credit cards, or other consumer loans in items 1, 3, or 4 of Schedule RI-C. 3. Item 6, column B, must equal Schedule RC, item 4.c. 4. Item 11 must equal Schedule RI-B, Part II, item 7, column B. 03/2025 FFIEC 031 Page 13 of 88 RI-9 Schedule RI-D—Income from Foreign Offices For all banks with foreign offices (including Edge or Agreement subsidiaries and IBFs) and total foreign office assets of $10 billion or more where foreign office revenues, assets, or net income exceed 10 percent of consolidated total revenues, total assets, or net income. Dollar Amounts in Thousands 1. Total interest income in foreign offices ................................................................................. 2. Total interest expense in foreign offices ............................................................................... 3. Provisions for credit losses in foreign offices ......................................................................... 4. Noninterest income in foreign offices: a. Trading revenue .......................................................................................................... b. Investment banking, advisory, brokerage, and underwriting fees and commissions .................... c. Net securitization income ............................................................................................... d. Other noninterest income .............................................................................................. 5. Realized gains (losses) on held-to-maturity and available-for-sale debt securities and change in net unrealized holding gains (losses) on equity securities not held for trading in foreign offices .................. 6. Total noninterest expense in foreign offices .......................................................................... 7. Adjustments to pretax income in foreign offices for internal allocations to foreign offices to reflect the effects of equity capital on overall bank funding costs ........................................................ 8. Applicable income taxes (on items 1 through 7) ..................................................................... 9. Discontinued operations, net of applicable income taxes, in foreign offices.................................. 10. Net income attributable to foreign offices before eliminations arising from consolidation (item 1 plus or minus items 2 through 9) ............................................................................... 11. Not applicable 12. Eliminations arising from the consolidation of foreign offices with domestic offices ........................ 13. Consolidated net income attributable to foreign offices (sum of items 10 and 12) .......................... RIAD C899 C900 KW02 C902 C903 C904 Year-to-date Amount 1. 2. 3. C905 4.a. 4.b. 4.c. 4.d. JA28 C907 5. 6. C908 C909 GW64 7. 8. 9. C911 10. C913 C914 12. 13. 03/2024 FFIEC 031 Page 14 of 88 RI-10 Schedule RI-E—Explanations Schedule RI-E is to be completed each quarter on a calendar year-to-date basis. Detail all adjustments in Schedule RI-A and RI-B, all discontinued operations in Schedule RI, and all significant items of other noninterest income and other noninterest expense in Schedule RI. (See instructions for details.) Dollar Amounts in Thousands RIAD 1. Other noninterest income (from Schedule RI, item 5.l) Itemize and describe amounts greater than $100,000 that exceed 7 percent of Schedule RI, item 5.l: 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. Bank card and credit card interchange fees ..................................................................... g. Income and fees from wire transfers not reportable as service charges on deposit accounts...... TEXT h. 4461 TEXT i. 4462 TEXT j. 4463 2. Other noninterest expense (from Schedule RI, item 7.d) Itemize and describe amounts greater than $100,000 that exceed 7 percent of Schedule RI, item 7.d: 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 ..................................................................................... l. Other real estate owned expenses................................................................................. m. Insurance expenses (not included in employee expenses, premises and fixed asset expenses, and other real estate owned expenses) .......................................................................... TEXT n. 4464 TEXT o. 4467 TEXT p. 4468 3. Discontinued operations and applicable income tax effect (from Schedule RI, item 11) (itemize and describe each discontinued operation): TEXT a. (1) FT29 (2) Applicable income tax effect ................................................... FT30 TEXT b. (1) FT31 (2) Applicable income tax effect ................................................... FT32 C013 C014 C016 4042 C015 F555 T047 4461 4462 4463 C017 0497 4136 C018 8403 4141 4146 F556 F557 F558 F559 Y923 Y924 4464 4467 4468 FT29 FT31 Year-to-date Amount 1.a. 1.b. 1.c. 1.d. 1.e. 1. f. 1.g. 1.h. 1. i. 1. j. 2.a. 2.b. 2.c. 2.d. 2.e. 2. f. 2.g. 2.h. 2. i. 2. j. 2.k. 2. l. 2.m. 2.n. 2.o. 2.p. 3.a.(1) 3.a.(2) 3.b.(1) 3.b.(2) 06/2018 FFIEC 031 Page 15 of 88 RI-11 Schedule RI-E—Continued Dollar Amounts in Thousands 4. Cumulative effect of changes in accounting principles and corrections of material accounting errors (from Schedule RI-A, item 2) (itemize and describe all such effects): TEXT a. B526 TEXT b. B527 5. Other transactions with stockholders (including parent holding company) (from Schedule RI-A, item 11) (itemize and describe all such transactions): TEXT a. 4498 TEXT b. 4499 6. Adjustments to allowances for credit losses (from Schedule RI-B, Part II, item 6) (itemize and describe all adjustments): a. Initial allowances for credit losses recognized upon the acquisition of purchased credit-deteriorated assets1 .............................................................................................. TEXT b. 4521 TEXT c. 4522 7. Other explanations (the space below is provided for the bank to briefly describe, at its option, any other significant items affecting the Report of Income): RIAD Year-to-date Amount B526 B527 4.a. 4.b. 4498 4499 5.a. 5.b. JJ27 6.a. 6.b. 6.c. 4521 4522 RIAD Yes No Comments? ..................................................................................................................... 4769 7. Other explanations (please type or print clearly): (TEXT 4769) 1. Institutions should report initial allowances for credit losses recognized upon the acquisition of purchased credit-deteriorated assets after the adoption of FASB ASC Topic 326. 03/2024 FFIEC 031 Page 16 of 88 RC-1 Consolidated Report of Condition for Insured Banks and Savings Associations for September 30, 2025 All schedules are to be reported in thousands of dollars. Unless otherwise indicated, report the amount outstanding as of the last business day of the quarter. Schedule RC—Balance Sheet Dollar Amounts in Thousands Assets 1. Cash and balances due from depository institutions (from Schedule RC-A): a. Noninterest-bearing balances and currency and coin1 .............................................. b. Interest-bearing balances2 ................................................................................. 2. Securities: a. Held-to-maturity securities (from Schedule RC-B, column A)3 .................................... b. Available-for-sale debt securities (from Schedule RC-B, column D) ............................ c. Equity securities with readily determinable fair values not held for trading4 ................... 3. Federal funds sold and securities purchased under agreements to resell: a. Federal funds sold in domestic offices .......................................................... RCON b. Securities purchased under agreements to resell5, 6......................................... RCFD 4. Loans and lease financing receivables (from Schedule RC-C): a. Loans and leases held for sale ........................................................................... b. Loans and leases held for investment ................. RCFD B528 c. LESS: Allowance for credit losses on loans and leases..................................................... RCFD 3123 d. Loans and leases held for investment, net of allowance (item 4.b minus 4.c) ................ 5. Trading assets (from Schedule RC-D) ..................................................................... 6. Premises and fixed assets (including right-of-use assets) ............................................ 7. Other real estate owned (from Schedule RC-M)......................................................... 8. Investments in unconsolidated subsidiaries and associated companies .......................... 9. Direct and indirect investments in real estate ventures ................................................ 10. Intangible assets (from Schedule RC-M) .................................................................. 11. Other assets (from Schedule RC-F)6 ....................................................................... 12. Total assets (sum of items 1 through 11) .................................................................. RCFD Amount 0081 0071 1.a. 1.b. JJ34 1773 JA22 2.a. 2.b. 2.c. B987 B989 3.a. 3.b. RCFD 5369 B529 3545 2145 2150 2130 3656 2143 2160 2170 4.a. 4.b. 4.c. 4.d. 5. 6. 7. 8. 9. 10. 11. 12. 1. Includes cash items in process of collection and unposted debits. 2. Includes time certificates of deposit not held for trading. 3. Institutions should report in item 2.a amounts net of any applicable allowance for credit losses, and item 2.a should equal Schedule RC-B, item 8, column A, less Schedule RI-B, Part II, item 7, column B. 4. Item 2.c is to be completed by all institutions. See the instructions for this item and the Glossary entry for "Securities Activities" for further detail on accounting for investments in equity securities. 5. Includes all securities resale agreements, regardless of maturity. 6. Institutions should report in items 3.b and 11 amounts net of any applicable allowance for credit losses. 09/2025 FFIEC 031 Page 17 of 88 RC-2 Schedule RC—Continued Dollar Amounts in Thousands Liabilities 13. Deposits: a. In domestic offices (sum of totals of columns A and C from Schedule RC-E, Part I) ....... (1) Noninterest-bearing1 .................................... RCON 6631 (2) Interest-bearing........................................... RCON 6636 b. In foreign offices, Edge and Agreement subsidiaries, and IBFs (from Schedule RC-E, Part II) ............................................................................. (1) Noninterest-bearing ..................................... RCFN 6631 (2) Interest-bearing........................................... RCFN 6636 14. Federal funds purchased and securities sold under agreements to repurchase: a. Federal funds purchased in domestic offices2 ................................................ RCON b. Securities sold under agreements to repurchase3 ........................................... RCFD 15. Trading liabilities (from Schedule RC-D)........................................................... RCFD 16. Other borrowed money (includes mortgage indebtedness) (from Schedule RC-M) .... RCFD 17. and 18. Not applicable 19. Subordinated notes and debentures4 ....................................................................... 20. Other liabilities (from Schedule RC-G) ..................................................................... 21. Total liabilities (sum of items 13 through 20) ............................................................. 22. Not applicable Equity Capital Bank Equity Capital 23. Perpetual preferred stock and related surplus ........................................................... 24. Common stock ................................................................................................... 25. Surplus (exclude all surplus related to preferred stock)................................................ 26. a. Retained earnings ............................................................................................ b. Accumulated other comprehensive income5 .......................................................... c. Other equity capital components6 ........................................................................ 27. a. Total bank equity capital (sum of items 23 through 26.c) .......................................... b. Noncontrolling (minority) interests in consolidated subsidiaries .................................. 28. Total equity capital (sum of items 27.a and 27.b) ....................................................... 29. Total liabilities and equity capital (sum of items 21 and 28) .......................................... RCON 2200 Amount 13.a. 13.a.(1) 13.a.(2) RCFN 2200 13.b. 13.b.(1) 13.b.(2) B993 14.a. 14.b. 15. 16. B995 3548 3190 RCFD 3200 2930 2948 19. 20. 21. 3838 23. 24. 25. 26.a. 26.b. 26 c. 27.a. 27.b. 28. 29. 3230 3839 3632 B530 A130 3210 3000 G105 3300 1. Includes noninterest-bearing demand, time, and savings deposits. 2. Report overnight Federal Home Loan Bank advances in Schedule RC, item 16, "Other borrowed money." 3. Includes all securities repurchase agreements, regardless of maturity. 4. Includes limited-life preferred stock and related surplus. 5. Includes, but is not limited to, net unrealized holding gains (losses) on available-for-sale securities, accumulated net gains (losses) on cash flow hedges, cumulative foreign currency translation adjustments, and accumulated defined benefit pension and other postretirement plan adjustments. 6. Includes treasury stock and unearned Employee Stock Ownership Plan shares. 06/2020 FFIEC 031 Page 18 of 88 RC-3 Schedule RC—Continued Memoranda To be reported with the March Report of Condition. 1. Indicate in the box at the right the number of the statement below that best describes the most RCFD comprehensive level of auditing work performed for the bank by independent external auditors as of any date during 2024 ...................................................................................................... 6724 1a = An integrated audit of the reporting institution's financial statements and its internal control over financial reporting conducted in accordance with the standards of the American Institute of Certified Public Accountants (AICPA) or Public Company Accounting Oversight Board (PCAOB) by an independent public accountant that submits a report on the institution 1b = An audit of the reporting institution's financial statements only conducted in accordance with the auditing standards of the AICPA or the PCAOB by an independent public accountant that submits a report on the institution 2a = An integrated audit of the reporting institution's parent holding company's consolidated financial statements and its internal control over financial reporting conducted in accordance with the standards of the AICPA or the PCAOB by an independent public accountant that submits a report on the consolidated holding company (but not on the institution separately) Number M.1. 2b = An audit of the reporting institution's parent holding company's consolidated financial statements only conducted in accordance with the auditing standards of the AICPA or the PCAOB by an independent public accountant that submits a report on the consolidated holding company (but not on the institution separately) 3 = This number is not to be used 4 = Directors' examination of the bank conducted in accordance with generally accepted auditing standards by a certified public accounting firm (may be required by state-chartering authority) 5 = Directors' examination of the bank performed by other external auditors (may be required by state-chartering authority) 6 = Review of the bank's financial statements by external auditors 7 = Compilation of the bank's financial statements by external auditors 8 = Other audit procedures (excluding tax preparation work) 9 = No external audit work RCON To be reported with the March Report of Condition. 2. Bank's fiscal year-end date (report the date in MMDD format)......................................................... 8678 Date M.2. 03/2025 FFIEC 031 Page 19 of 88 RC-4 Schedule RC-A—Cash and Balances Due from Depository Institutions Exclude assets held for trading. (Column A) Consolidated Bank Dollar 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. ................................ 3. Balances due from banks in foreign countries and foreign central banks .......... 4. Balances due from Federal Reserve Banks ............................................ 5. Total (sum of items 1 through 4) (total of column A must equal Schedule RC, sum of items 1.a and 1.b)......... RCFD Amount (Column B) Domestic Offices Amount RCON 0022 0082 0020 0080 0082 0070 0090 0070 0090 1. 1.a. 1.b. 2. 3. 4. 0010 0010 5. Schedule RC-B—Securities Exclude assets held for trading. Held-to-maturity (Column A) Amortized Cost Dollar Amounts in Thousands RCFD 1. U.S. Treasury securities ..... 0211 2. U.S. Government agency and sponsored agency obligations (exclude mortHT50 gage-backed securities)1 .. 3. Securities issued by states and political subdivisions in the U.S............................ 8496 Amount Available-for-sale (Column B) Fair Value RCFD Amount (Column C) Amortized Cost RCFD Amount (Column D) Fair Value RCFD Amount 0213 1286 1287 1. HT51 HT52 HT53 2. 8497 8498 8499 3. 1. Includes Small Business Administration "Guaranteed Loan Pool Certificates"; U.S. Maritime Administration obligations; Export-Import Bank participation certificates; and obligations (other than mortgage-backed securities) issued by the Farm Credit System, the Federal Home Loan Bank System, the Federal Home Loan Mortgage Corporation, the Federal National Mortgage Association, the Resolution Funding Corporation, the Student Loan Marketing Association, and the Tennessee Valley Authority. 09/2019 FFIEC 031 Page 20 of 88 RC-5 Schedule RC-B—Continued Held-to-maturity (Column A) Amortized Cost Dollar Amounts in Thousands 4. Mortgage-backed securities (MBS): a. Residential mortgage pass-through securities: (1) Guaranteed by GNMA .............. (2) Issued by FNMA and FHLMC ........ (3) Other passthrough securities . b. Other residential mortgage-backed securities (include CMOs, REMICs, and stripped MBS): (1) Issued or guaranteed by U.S. Government agencies or sponsored agencies1 ........... (2) Collateralized by MBS issued or guaranteed by U.S. Government agencies or sponsored agencies1 ........... (3) All other residential MBS ... c. Commercial MBS (1) Commercial mortgage pass-through securities: (a) Issued or guaranteed by FNMA, FHLMC, or GNMA........... (b) Other passthrough securities ....... RCFD Amount Available-for-sale (Column B) Fair Value RCFD Amount (Column C) Amortized Cost RCFD Amount (Column D) Fair Value RCFD Amount G300 G301 G302 G303 4.a.(1) G304 G305 G306 G307 4.a.(2) G308 G309 G310 G311 4.a.(3) G312 G313 G314 G315 4.b.(1) G316 G317 G318 G319 4.b.(2) G320 G321 G322 G323 4.b.(3) K142 K143 K144 K145 4.c.(1)(a) K146 K147 K148 K149 4.c.(1)(b) 1. U.S. Government agencies include, but are not limited to, such agencies as the Government National Mortgage Association (GNMA), the Federal Deposit Insurance Corporation (FDIC), and the National Credit Union Administration (NCUA). U.S. Government-sponsored agencies include, but are not limited to, such agencies as the Federal Home Loan Mortgage Corporation (FHLMC) and the Federal National Mortgage Association (FNMA). 06/2012 FFIEC 031 Page 21 of 88 RC-6 Schedule RC-B—Continued Held-to-maturity (Column A) Amortized Cost Dollar Amounts in Thousands 4. c. (2) Other commercial MBS: (a) Issued or guaranteed by U.S. Government agencies or sponsored agencies1 ....... (b) All other commercial MBS ............. 5. Asset-backed securities and structured financial products: a. Asset-backed securities (ABS)....... b. Structured financial products................. 6. Other debt securities: a. Other domestic debt securities ............... b. Other foreign debt securities ............... 7. Unallocated portfolio layer fair value hedge basis adjustments2 ...... RCFD Amount Available-for-sale (Column B) Fair Value RCFD Amount (Column C) Amortized Cost RCFD Amount (Column D) Fair Value RCFD Amount K150 K151 K152 K153 4.c.(2)(a) K154 K155 K156 K157 4.c.(2)(b) C026 C988 C989 C027 5.a. HT58 HT59 HT60 HT61 5.b. 1737 1738 1739 1741 6.a. 1742 1743 1744 1746 6.b. 8. Total (sum of items 1 through 7)3 ................. 1754 7. MG95 1771 1772 1773 8. 1. U.S. Government agencies include, but are not limited to, such agencies as the Government National Mortgage Association (GNMA), the Federal Deposit Insurance Corporation (FDIC), and the National Credit Union Administration (NCUA). U.S. Government-sponsored agencies include, but are not limited to, such agencies as the Federal Home Loan Mortgage Corporation (FHLMC) and the Federal National Mortgage Association (FNMA). 2. This item is to be completed by institutions that have adopted ASU 2022-01, as applicable. 3. The total reported in column A must equal Schedule RC, item 2.a, plus Schedule RI-B, Part II, item 7, column B. The total reported in column D must equal Schedule RC, item 2.b. 03/2024 FFIEC 031 Page 22 of 88 RC-7 Schedule RC-B—Continued Memoranda Dollar 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 and political subdivisions in the U.S.; other non-mortgage debt securities; and mortgage pass-through securities other than those backed by closed-end first lien 1– 4family residential mortgages with a remaining maturity or next repricing date of:2, 3 (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. Mortgage pass-through securities backed by closed-end first lien 1– 4 family residential mortgages with a remaining maturity or next repricing date of:2, 4 (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; exclude mortgage pass-through securities) with an expected average life of:5 (1) Three years or less .............................................................................................. (2) Over three years.................................................................................................. d. Debt securities with a REMAINING MATURITY of one year or less (included in Memorandum items 2.a through 2.c above)................................................... 1 RCFD Amount 0416 M.1. A549 M.2.a.(1) M.2.a.(2) M.2.a.(3) M.2.a.(4) M.2.a.(5) M.2.a.(6) A550 A551 A552 A553 A554 A555 A556 A557 A558 A559 A560 A561 M.2.b.(1) M.2.b.(2) M.2.b.(3) M.2.b.(4) M.2.b.(5) M.2.b.(6) A562 M.2.c.(1) M.2.c.(2) A248 M.2.d. Memorandum item 3 is to be completed semiannually in the June and December reports only. 3. Amortized cost of held-to-maturity securities sold or transferred to available-for-sale or trading securities during the calendar year-to-date (report the amortized cost at date of sale or transfer).... 1778 4. Structured notes (included in the held-to-maturity and available-for-sale accounts in Schedule RC-B, items 2, 3, 5, and 6): a. Amortized cost ........................................................................................................ 8782 b. Fair value ............................................................................................................... 8783 M.3. M.4.a. M.4.b. 1. Includes held-to-maturity securities at amortized cost, available-for-sale debt securities at fair value, and equity securities with readily determinable fair values not held for trading (reported in Schedule RC, item 2.c) at fair value. 2. Report fixed-rate debt securities by remaining maturity and floating-rate debt securities by next repricing date. 3. Sum of Memorandum items 2.a.(1) through 2.a.(6) plus any nonaccrual debt securities in the categories of debt securities reported in Memorandum item 2.a that are included in Schedule RC-N, item 10, column C, must equal Schedule RC-B, sum of items 1, 2, 3, 4.c.(1), 5, and 6, columns A and D, plus residential mortgage pass-through securities other than those backed by closed-end first lien 1 –4 family residential mortgages included in Schedule RC-B, item 4.a, columns A and D. 4. Sum of Memorandum items 2.b.(1) through 2.b.(6) plus any nonaccrual mortgage pass-through securities backed by closed-end first lien 1 –4 family residential mortgages included in Schedule RC-N, item 10, column C, must equal Schedule RC-B, item 4.a, sum of columns A and D, less the amount of residential mortgage pass-through securities other than those backed by closed-end first lien 1 –4 family residential mortgages included in Schedule RC-B, item 4.a, columns A and D. 5. Sum of Memorandum items 2.c.(1) and 2.c.(2) plus any nonaccrual “Other mortgage-backed securities” included in Schedule RC-N, item 10, column C, must equal Schedule RC-B, sum of items 4.b and 4.c.(2), columns A and D. 12/2020 FFIEC 031 Page 23 of 88 RC-8 Schedule RC-B—Continued Memoranda—Continued Held-to-maturity (Column A) Amortized Cost Dollar Amounts in Thousands Memorandum items 5.a through 5.f and 6.a through 6.g are to be completed by banks with $10 billion or more in total assets.1 5. Asset-backed securities (ABS) (for each column, sum of Memorandum items 5.a through 5.f must equal Schedule RC-B, item 5.a): a. Credit card receivables................ b. Home equity lines ....... c. Automobile loans ........ d. Other consumer loans ... e. Commercial and industrial loans ........... f. Other ....................... 6. Structured financial products by underlying collateral or reference assets (for each column, sum of Memorandum items 6.a through 6.g must equal Schedule RC-B, item 5.b.): a. Trust preferred securities issued by financial institutions .... b. Trust preferred securities issued by real estate investment trusts ........ c. Corporate and similar loans .............. d. 1–4 family residential MBS issued or guaranteed by U.S. Governmentsponsored enterprises (GSEs)..................... e. 1–4 family residential MBS not issued or guaranteed by GSEs... f. Diversified (mixed) pools of structured financial products ....... g. Other collateral or reference assets ........ RCFD Amount Available-for-sale (Column B) Fair Value RCFD Amount (Column C) Amortized Cost RCFD Amount (Column D) Fair Value RCFD Amount B838 B839 B840 B841 B842 B846 B850 B843 B847 B851 B844 B848 B852 B845 B849 B853 M.5.a. M.5.b. M.5.c. M.5.d. B854 B858 B855 B859 B856 B860 B857 B861 M.5.e. M.5. f. G348 G349 G350 G351 M.6.a. G352 G353 G354 G355 M.6.b. G356 G357 G358 G359 M.6.c. G360 G361 G362 G363 M.6.d. G364 G365 G366 G367 M.6.e. G368 G369 G370 G371 M.6. f. G372 G373 G374 G375 M.6.g. 1. The $10 billion asset-size test is based on the total assets reported on the June 30, 2024, Report of Condition. 03/2025 FFIEC 031 Page 24 of 88 RC-9 Schedule RC-B—Continued Memoranda—Continued Held-to-maturity (Column A) Amortized Cost Dollar Amounts in Thousands RCFD 7. Guaranteed by U.S. Government agencies or sponsored agencies included in Schedule RC͈B, item 5.b .............. PU98 Amount Available-for-sale (Column B) Fair Value RCFD PU99 Amount (Column C) Amortized Cost RCFD PV00 Amount (Column D) Fair Value RCFD PV01 Amount M.7. 12/2024 FFIEC 031 Page 25 of 88 RC-10 Schedule RC-C—Loans and Lease Financing Receivables Part I. Loans and Leases Do not deduct the allowance for credit losses on loans and leases or the allocated transfer risk reserve from amounts reported in this schedule. Report (1) loans and leases held for sale at the lower of cost or fair value, (2) loans and leases held for investment, net of unearned income, and (3) loans and leases accounted for at fair value under a fair value option. Exclude assets held for trading and commercial paper. (Column A) Consolidated Bank Dollar Amounts in Thousands 1. Loans secured by real estate:1 ....................................................... a. Construction, land development, and other land loans: (1) 1–4 family residential construction loans.................................. (2) Other construction loans and all land development and other land loans ......................................................................... b. Secured by farmland (including farm residential and other improvements) ........................ c. Secured by 1–4 family residential properties: (1) Revolving, open-end loans secured by 1 –4 family residential properties 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 nonresidential properties........................................................................... (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 personal expenditures (i.e., consumer loans) (includes purchased paper): a. Credit cards ............................................................................ b. Other revolving credit plans........................................................ c. Automobile loans ..................................................................... d. Other consumer loans (includes single payment and installment loans other than automobile loans, and all student loans) ......................... 7. Loans to foreign governments and official institutions (including foreign central banks) ..................................................... 8. Obligations (other than securities and leases) of states and political subdivisions in the U.S. ................................................................ RCFD Amount (Column B) Domestic Offices RCON 1410 Amount 1. F158 F158 1.a.(1) F159 F159 1.a.(2) 1420 1420 1.b. 1797 1797 1.c.(1) 5367 5367 5368 1460 5368 1460 1.c.(2)(a) 1.c.(2)(b) 1.d. F160 F161 F160 F161 1.e.(1) 1.e.(2) B531 B536 B537 1590 1590 2.a. 2.a.(1) 2.a.(2) 2.b. 2.c. 2.c.(1) 2.c.(2) 3. 1763 1764 1763 1764 4.a. 4.b. B538 B539 K137 B538 B539 K137 6.a. 6.b. 6.c. K207 K207 6.d. 2081 2081 7. 2107 2107 8. B532 B533 B534 B534 B535 1. When reporting “Loans secured by real estate,” “large institutions” and “highly complex institutions,” as defined for deposit insurance assessment purposes in FDIC regulations, should complete items 1.a.(1) through 1.e.(2) in columns A and B (but not item 1 in column A); all other institutions should complete item 1 in column A and items 1.a.(1) through 1.e.(2) in column B (but not items 1.a.(1) through 1.e.(2) in column A). 03/2024 FFIEC 031 Page 26 of 88 RC-11 Schedule RC-C—Continued (Column A) Consolidated Bank Part I—Continued Dollar Amounts in Thousands 9. Loans to nondepository financial institutions and other loans: a. Loans to nondepository financial institutions ................................ b. Other loans: (1) Loans for purchasing or carrying securities, including margin loans .................................................................... (2) All other loans (exclude consumer loans) ............................... 10. Lease financing receivables (net of unearned income): ..................... a. Leases to individuals for household, family, and other personal expenditures (i.e., consumer leases) .......................................... b. All other leases...................................................................... 11. LESS: Any unearned income on loans reflected in items 1-9 above ..... 12. Total loans and leases held for investment and held for sale1 (item 12, column A must equal Schedule RC, sum of items 4.a and 4.b) .. RCFD Amount (Column B) Domestic Offices RCON J454 J454 1545 J451 1545 J451 Amount 9.a. 2165 9.b.(1) 9.b.(2) 10. F162 F163 2123 2123 10.a. 10.b. 11. 2122 2122 12. Memoranda Dollar Amounts in Thousands 1. Loan modifications to borrowers experiencing financial difficulty that are in compliance with their modified terms (included in Schedule RC-C, Part I, and not reported as past due or nonaccrual in Schedule RC-N, Memorandum item 1): a. Construction, land development, and other land loans in domestic offices: (1) 1–4 family residential construction loans................................................................ (2) Other construction loans and all land development and other land loans ....................... b. Loans secured by 1 –4 family residential properties in domestic offices ............................. c. Secured by multifamily (5 or more) residential properties in domestic offices ...................... d. Secured by nonfarm nonresidential properties in domestic offices: (1) Loans secured by owner-occupied nonfarm nonresidential properties .......................... (2) Loans secured by other nonfarm nonresidential properties ......................................... e. Commercial and industrial loans: (1) To U.S. addressees (domicile) ............................................................................. (2) To non-U.S. addressees (domicile) ....................................................................... f. All other loans (include loans to individuals for household, family, and other personal expenditures)............ Itemize loan categories included in Memorandum item 1.f, above that exceed 10 percent of total loan modifications to borrowers experiencing financial difficulty that are in compliance with their modified terms (sum of Memorandum items 1.a through 1.f): RCON K158 K159 F576 K160 K161 K162 Amount M.1.a.(1) M.1.a.(2) M.1.b. M.1.c. M.1.d.(1) M.1.d.(2) RCFD K163 K164 M.1.e.(1) M.1.e.(2) K165 M.1. f. RCON (1) Loans secured by farmland in domestic offices ........................ K166 RCFD (2) Not applicable (3) Loans to finance agricultural production and other loans to farmers ........................................................................ K168 (4) Loans to individuals for household, family, and other personal expenditures: (a) Credit card................................................................... K098 (b) Automobile loans .......................................................... K203 (c) Other (includes revolving credit plans other than credit cards, and other consumer loans) .............................................. K204 g. Total loan modifications to borrowers experiencing financial difficulty that are in compliance with their modified terms (sum of Memorandum items 1.a.(1) through 1.f).......................... HK25 M.1. f.(1) M.1. f.(3) M.1. f.(4)(a) M.1. f.(4)(b) M.1. f.(4)(c) M.1. g. 1. For “large institutions” and “highly complex institutions,” as defined for deposit insurance assessment purposes in FDIC regulations, item 12, column A, must equal the sum of items 1.a.(1) through 10.b, column A, less item 11, column A. For all other institutions, item 12, column A, must equal the sum of item 1 and items 2.a.(1) through 10.b, column A, less item 11, column A. For all institutions, item 12, column B, must equal the sum of items 1.a.(1) through 10, column B, less item 11, column B. 12/2024 FFIEC 031 Page 27 of 88 RC-12 Schedule RC-C—Continued Part I—Continued Memoranda—Continued Dollar Amounts in Thousands 2. Maturity and repricing data for loans and leases (excluding those in nonaccrual status): a. Closed-end loans secured by first liens on 1 –4 family residential properties in domestic offices (reported in Schedule RC-C, Part I, item 1.c.(2)(a), column B) with a remaining maturity or next repricing date of:1, 2 (1) Three months or less ......................................................................................... (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, column A) EXCLUDING closed-end loans secured by first liens on 1 –4 family residential properties in domestic offices (reported in Schedule RC-C, Part I, item 1.c.(2)(a), column B) with a remaining maturity or next repricing date of:1, 3 (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 A) with a REMAINING MATURITY of one year or less (excluding those in nonaccrual status).... 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 A4 ........ 4. Adjustable-rate closed-end loans secured by first liens on 1 –4 family residential properties in domestic offices (included in Schedule RC-C, Part I, item 1.c.(2)(a), column B)...................... 5. Loans secured by real estate to non-U.S. addressees (domicile) (included in Schedule RC-C, Part I, item 1, column A or Schedule RC-C, Part I, items 1.a.(1) through 1.e.(2), column A, as appropriate) ... RCON A564 A565 A566 A567 A568 A569 Amount M.2.a.(1) M.2.a.(2) M.2.a.(3) M.2.a.(4) M.2.a.(5) M.2.a.(6) RCFD A570 A574 A575 M.2.b.(1) M.2.b.(2) M.2.b.(3) M.2.b.(4) M.2.b.(5) M.2.b.(6) A247 M.2.c. 2746 M.3. A571 A572 A573 RCON 5370 M.4. RCFD B837 M.5. 6. Outstanding credit card fees and finance charges included in Schedule RC-C, Part I, item 6.a, column A ................................................................................................................. C391 7. Not applicable M.6. Memorandum item 6 is to be completed by banks that (1) together with affiliated institutions, have outstanding credit card receivables (as defined in the instructions) that exceed $500 million as of the report date, or (2) are credit card specialty banks as defined for Uniform Bank Performance Report purposes. 1. Report fixed-rate loans and leases by remaining maturity and floating-rate loans by next repricing date. 2. Sum of Memorandum items 2.a.(1) through 2.a.(6), plus total nonaccrual closed-end loans secured by first liens on 1 –4 family residential properties in domestic offices included in Schedule RC-N, item 1.c.(2)(a), column C, must equal total closed-end loans secured by first liens on 1–4 family residential properties from Schedule RC-C, Part I, item 1.c.(2)(a), column B. 3. Sum of Memorandum items 2.b.(1) through 2.b.(6), plus total nonaccrual loans and leases from Schedule RC-N, item 9, column C, minus nonaccrual closed-end loans secured by first liens on 1 –4 family residential properties in domestic offices included in Schedule RC-N, item 1.c. (2)(a), column C, must equal total loans and leases from Schedule RC-C, Part I, sum of items 1 through 10, column A, minus total closed-end loans secured by first liens on 1–4 family residential properties in domestic offices from Schedule RC-C, Part I, item 1.c.(2)(a), column B. 4. Exclude loans secured by real estate that are included in Schedule RC-C, Part I, item 1, column A. 03/2024 FFIEC 031 Page 28 of 88 RC-13 Schedule RC-C—Continued Part I—Continued Memoranda—Continued Dollar Amounts in Thousands RCON Amount Memorandum item 8.a is to be completed by all banks semiannually in the June and December reports only. 8. Closed-end loans with negative amortization features secured by 1–4 family residential properties in domestic offices: a. Total amount of closed-end loans with negative amortization features secured by 1–4 family residential properties (included in Schedule RC-C, Part I, items 1.c.(2)(a) and (b)).............................................................................................................. F230 M.8.a. Memorandum items 8.b and 8.c are to be completed semiannually in the June and December reports only by banks that had closed-end loans with negative amortization features secured by 1–4 family residential properties (as reported in Schedule RC-C, Part I, Memorandum item 8.a) as of the preceding December 31 report date, that exceeded the lesser of $100 million or 5 percent of total loans and leases held for investment and held for sale in domestic offices (as reported in Schedule RC-C, Part I, item 12, column B). b. Total maximum remaining amount of negative amortization contractually permitted on closed-end loans secured by 1–4 family residential properties ........................................ F231 c. Total amount of negative amortization on closed-end loans secured by 1–4 family residential properties included in the amount reported in Memorandum item 8.a above .......... F232 9. Loans secured by 1–4 family residential properties in domestic offices in process of foreclosure (included in Schedule RC-C, Part I, items 1.c.(1), 1.c.(2)(a), and 1.c.(2)(b)) ............. F577 (Column A) Consolidated Bank Dollar Amounts in Thousands RCFD Amount M.8.b. M.8.c. M.9. (Column B) Domestic Offices RCON Amount Memorandum items 10.a through 10.e are to be completed by banks with $10 billion or more in total assets.1 10. Loans to nondepository financial institutions: a. Loans to mortgage credit intermediaries .................................. b. Loans to business credit intermediaries ................................... c. Loans to private equity funds ................................................. d. Loans to consumer credit intermediaries .................................. e. Other loans to nondepository financial institutions ...................... 11. Not applicable (Column A) Fair value of acquired loans and leases at acquisition date Dollar Amounts in Thousands Memorandum Items 12.a, 12.b, 12.c and 12.d are to be completed semiannually in the June and December reports only. RCFD 12. Loans (not considered purchased credit deteriorated) and leases held for investment that were acquired in business combinations with acquisition dates in the current calendar year: a. Loans secured by real estate................... G091 Amount PV05 PV06 PV05 PV06 PV07 PV08 PV07 PV08 PV09 PV09 (Column C) Best estimate at acquisition date of contractual cash flows not expected to be collected (Column B) Gross contractual amounts receivable at acquisition date RCFD G092 Amount M.10.a. M.10.b. M.10.c. M.10.d. M.10.e. RCFD G093 1. The $10 billion asset-size test is based on the total assets reported on the June 30, 2024, Report of Condition. Amount M.12.a. 03/2025 FFIEC 031 Page 29 of 88 RC-14 Schedule RC-C—Continued Part I—Continued Memoranda—Continued (Column A) Fair value of acquired loans and leases at acquisition date Dollar Amounts in Thousands RCFD 12.b. Commercial and industrial loans ............... G094 c. Loans to individuals for household, family, and other personal expenditures ............ G097 d. All other loans and all leases ................... G100 Amount (Column B) Gross contractual amounts receivable at acquisition date RCFD Amount (Column C) Best estimate at acquisition date of contractual cash flows not expected to be collected RCFD Amount G095 G096 M.12.b. G098 G099 G102 M.12.c. M.12.d. G101 Dollar Amounts in Thousands RCON Amount Memorandum item 13 is to be completed by banks that had construction, land development, and other land loans in domestic offices (as reported in Schedule RC-C, Part I, item 1.a., column B) that exceeded the sum of tier 1 capital (as reported in Schedule RC-R, Part I, item 26) plus the allowance for credit losses on loans and leases (as reported in Schedule RC, item 4.c) as of the preceding December 31 report date. 13. Construction, land development, and other land loans in domestic offices with interest reserves: a. Amount of loans that provide for the use of interest reserves (included in Schedule RC-C, Part I, item 1.a, column B)............................................... G376 b. Amount of interest capitalized from interest reserves on construction, land development, RIAD and other land loans that is included in interest and fee income on loans during the G377 quarter (included in Schedule RI, item 1.a.(1)(a)(2)) .................................................... Memorandum item 14 is to be completed by all banks. M.13.a. M.13.b. RCFD 14. Pledged loans and leases ......................................................................................... G378 M.14. Memorandum item 15 is to be completed for the December report only. 15. Reverse mortgages in domestic offices: RCON a. Reverse mortgages outstanding that are held for investment PR04 (included in Schedule RC-C, item 1.c, above) ............................................................ b. Estimated number of reverse mortgage loan referrals to other lenders during the year from whom compensation has been received for services performed in connection with the origination of the reverse mortgages ................................................................... PR05 M.15.a. Number M.15.b. Amount c. Principal amount of reverse mortgage originations that have been sold during the year ...... PR06 M.15.c. Memorandum item 16 is to be completed by all banks. 16. Revolving, open-end loans secured by 1–4 family residential properties and extended under lines of credit in domestic offices that have converted to non-revolving closed-end status (included in item 1.c.(1) above) .................................................................................. LE75 M.16. Amounts reported in Memorandum items 17.a and 17.b will not be made available to the public on an individual institution basis. 17. Eligible loan modifications under Section 4013, Temporary Relief from Troubled Debt Restructurings, of the 2020 Coronavirus Aid, Relief, and Economic Security Act: a. Number of Section 4013 loans outstanding ............................................................... LG24 Number M.17.a. Amount b. Outstanding balance of Section 4013 loans ............................................................... LG25 M.17.b. 12/2024 FFIEC 031 Page 30 of 88 RC-15 Schedule RC-C—Continued Part II. Loans to Small Businesses and Small Farms Report the number and amount currently outstanding as of the report date of business loans with "original amounts" of $1,000,000 or less and farm loans with "original amounts" of $500,000 or less. The following guidelines should be used to determine the "original amount" of a loan: (1) For loans drawn down under lines of credit or loan commitments, the "original amount" of the loan is the size of the line of credit or loan commitment when the line of credit or loan commitment was most recently approved, extended, or renewed prior to the report date. However, if the amount currently outstanding as of the report date exceeds this size, the "original amount" is the amount currently outstanding on the report date. (2) For loan participations and syndications, the "original amount" of the loan participation or syndication is the entire amount of the credit originated by the lead lender. (3) For all other loans, the "original amount" is the total amount of the loan at origination or the amount currently outstanding as of the report date, whichever is larger. Loans to Small Businesses 1. and 2. Not applicable (Column A) Number of Loans Dollar Amounts in Thousands 3. Number and amount currently outstanding of "Loans secured by nonfarm nonresidential properties" in domestic offices reported in Schedule RC-C, Part I, items 1.e.(1) and 1.e.(2), column B (sum of items 3.a through 3.c must be less than or equal to Schedule RC-C, Part I, sum of items 1.e.(1) and 1.e.(2), column 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 $1,000,000.......... 4. Number and amount currently outstanding of "Commercial and industrial loans to U.S. addressees" in domestic offices reported in Schedule RC-C, Part I, item 4.a, column B (sum of items 4.a through 4.c must be less than or equal to Schedule RC-C, Part I, item 4.a, column 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 $1,000,000.......... RCON Number (Column B) Amount Currently Outstanding RCON Amount 5564 5566 5565 5567 5568 5569 3.a. 3.b. 3.c. 5570 5572 5574 5571 5573 5575 4.a. 4.b. 4.c. Agricultural Loans to Small Farms 5. and 6. Not applicable (Column A) Number of Loans Dollar Amounts in Thousands 7. Number and amount currently outstanding of "Loans secured by farmland (including farm residential and other improvements)" in domestic offices reported in Schedule RC-C, Part I, item 1.b, column B (sum of items 7.a through 7.c must be less than or equal to Schedule RC-C, Part I, item 1.b, column 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 ............... 8. Number and amount currently outstanding of "Loans to finance agricultural production and other loans to farmers" in domestic offices reported in Schedule RC-C, Part I, item 3, column B (sum of items 8.a through 8.c must be less than or equal to Schedule RC-C, Part I, item 3, column 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 ............... RCON Number (Column B) Amount Currently Outstanding RCON Amount 5578 5580 5579 5581 5582 5583 7.a. 7.b. 7.c. 5584 5586 5588 5585 5587 5589 8.a. 8.b. 8.c. 12/2024 FFIEC 031 Page 31 of 88 RC-16 Schedule RC-D—Trading Assets and Liabilities Schedule RC-D is to be completed by banks that (1) reported total trading assets of $10 million or more in any of the four preceding calendar quarters, or (2) meet the FDIC's definition of a large or highly complex institution for deposit insurance assessment purposes. Consolidated Bank Dollar Amounts in Thousands Assets 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. Residential mortgage pass-through securities issued or guaranteed by FNMA, FHLMC, or GNMA .............................................................................................................. b. Other residential MBS issued or guaranteed by U.S. Government agencies or sponsored agencies1 (include CMOs, REMICs, and stripped MBS) ..................... c. All other residential MBS ......................................................................................... d. Commercial MBS issued or guaranteed by U.S. Government agencies or sponsored agencies1 ............................................................................................... e. All other commercial MBS......................................................................................... 5. Other debt securities: a. Structured financial products ................................................................................... b. All other debt securities ........................................................................................... 6. Loans: a. Loans secured by real estate: (1) Loans secured by 1–4 family residential properties ................................................... (2) All other loans secured by real estate .................................................................... b. Commercial and industrial loans ............................................................................... c. Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans) (includes purchased paper) ....................................................... d. Other loans........................................................................................................... 7. and 8. Not applicable 9. Other trading assets .................................................................................................. 10. Not applicable 11. Derivatives with a positive fair value .............................................................................. 12. Total trading assets (sum of items 1 through 11) (must equal Schedule RC, item 5) ................................................................................ Liabilities 13. a. Liability for short positions........................................................................................ b. Other trading liabilities ............................................................................................ 14. Derivatives with a negative fair value............................................................................. 15. Total trading liabilities (sum of items 13.a through 14) (must equal Schedule RC, item 15) ............................................................................... RCFD Amount 3531 3532 3533 1. 2. 3. G379 4.a. G380 G381 4.b. 4.c. K197 K198 4.d. 4.e. HT62 G386 5.a. 5.b. HT63 HT64 F614 6.a.(1) 6.a.(2) 6.b. HT65 F618 6.c. 6.d. 3541 9. 3543 11. 3545 12. 3546 F624 3547 13.a. 13.b. 14. 3548 15. 1. U.S. Government agencies include, but are not limited to, such agencies as the Government National Mortgage Association (GNMA), the Federal Deposit Insurance Corporation (FDIC), and the National Credit Union Administration (NCUA). U.S. Government-sponsored agencies include, but are not limited to, such agencies as the Federal Home Loan Mortgage Corporation (FHLMC) and the Federal National Mortgage Association (FNMA). 03/2020 FFIEC 031 Page 32 of 88 RC-17 Schedule RC-D—Continued Memoranda Consolidated Bank Dollar Amounts in Thousands 1. Unpaid principal balance of loans measured at fair value (reported in Schedule RC-D, items 6.a through 6.d): a. Loans secured by real estate: (1) Loans secured by 1–4 family residential properties ................................................... (2) All other loans secured by real estate..................................................................... b. Commercial and industrial loans ............................................................................... c. Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans) (includes purchased paper) ........................................................ d. Other loans........................................................................................................... RCFD HT66 HT67 F632 HT68 F636 Amount M.1.a.(1) M.1.a.(2) M.1.b. M.1.c. M.1.d. Memorandum items 2 through 10 are to be completed by banks with $10 billion or more in total trading assets.1 2. Loans measured at fair value that are past due 90 days or more: a. Fair value ............................................................................................................. b. Unpaid principal balance ......................................................................................... 3. Structured financial products by underlying collateral or reference assets (for each column, sum of Memorandum items 3.a through 3.g must equal Schedule RC-D, sum of items 5.a.(1) through (3)): a. Trust preferred securities issued by financial institutions ................................................ b. Trust preferred securities issued by real estate investment trusts ..................................... c. Corporate and similar loans...................................................................................... d. 1–4 family residential MBS issued or guaranteed by U.S. government-sponsored enterprises (GSEs) ................................................................................................ e. 1–4 family residential MBS not issued or guaranteed by GSEs ....................................... f. Diversified (mixed) pools of structured financial products ................................................ g. Other collateral or reference assets ........................................................................... 4. Pledged trading assets: a. Pledged securities.................................................................................................. b. Pledged loans ....................................................................................................... 5. Asset-backed securities: a. Credit card receivables ........................................................................................... b. Home equity lines .................................................................................................. c. Automobile loans ................................................................................................... d. Other consumer loans............................................................................................. e. Commercial and industrial loans ............................................................................... f. Other ................................................................................................................... 6. Not applicable 7. Equity securities (included in Schedule RC-D, item 9, above): 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 $1,000,000 and exceed 25 percent of the item): 2 TEXT a. F655 TEXT b. F656 TEXT c. F657 10. Other trading liabilities (itemize and describe amounts included in Schedule RC-D, item 13.b, that are greater than $1,000,000 and exceed 25 percent of the item): TEXT a. F658 TEXT b. F659 TEXT c. F660 F639 F640 G299 G332 G333 G334 G335 G651 G652 G387 G388 F643 F644 F645 F646 F647 F648 F652 F653 F654 F655 F656 M.2.a. M.2.b. M.3.a. M.3.b. M.3.c. M.3.d. M.3.e. M.3. f. M.3.g. M.4.a. M.4.b. M.5.a. M.5.b. M.5.c. M.5.d. M.5.e. M.5. f. M.7.a. M.7.b. M.8. F657 M.9.a. M.9.b. M.9.c. F658 F659 F660 M.10.a. M.10.b. M.10.c. 1. The $10 billion trading asset-size test is based on total trading assets reported on the June 30, 2024, Report of Condition. 2. Exclude equity securities. 03/2025 FFIEC 031 Page 33 of 88 RC-18 Schedule RC-E—Deposit Liabilities Part I. Deposits in Domestic Offices Transaction Accounts (Column A) Total Transaction Accounts (Including Total Demand Deposits) Dollar Amounts in Thousands Deposits of: 1. Individuals, partnerships, and corporations .. 2. U.S. Government ................................... 3. States and political subdivisions in the U.S... 4. Commercial banks and other depository institutions in the U.S. ............................. 5. Banks in foreign countries ........................ 6. Foreign governments and official institutions (including foreign central banks) ................ 7. Total (sum of items 1 through 6) (sum of columns A and C must equal Schedule RC, item 13.a) ............................................. RCON Amount Nontransaction Accounts (Column B) Memo: Total Demand Deposits1 (Included In Column A) RCON Amount (Column C) Total Nontransaction Accounts (Including MMDAs) RCON Amount B549 B550 2202 2520 2203 2530 1. 2. 3. B551 2213 B552 2236 4. 5. 2216 2377 6. 2385 7. 2215 2210 Memoranda Dollar Amounts in Thousands 1. Selected components of total deposits (i.e., sum of item 7, columns A and C): a. Total Individual Retirement Accounts (IRAs) and Keogh Plan accounts .......................... b. Total brokered deposits ........................................................................................ c. Brokered deposits of $250,000 or less (fully insured brokered deposits)2 ......................... d. Maturity data for brokered deposits: (1) Brokered deposits of $250,000 or less with a remaining maturity of one year or less (included in Memorandum item 1.c above)..................................................... (2) Not applicable (3) Brokered deposits of more than $250,000 with a remaining maturity of one year or less (included in Memorandum item 1.b above) .................................................... e. Preferred deposits (uninsured deposits of states and political subdivisions in the U.S. reported in item 3 above which are secured or collateralized as required under state law) (to be completed for the December report only) ......................................................... f. Estimated amount of deposits obtained through the use of deposit listing services that are not brokered deposits ............................................................................... g. Total reciprocal deposits ....................................................................................... RCON Amount 6835 2365 HK05 M.1.a. M.1.b. M.1.c. HK06 M.1.d.(1) K220 M.1.d.(3) 5590 M.1.e. K223 JH83 M.1. f. M.1.g. MT87 MT88 M.1.h.(1) M.1.h.(1)(a) M.1.h.(2) M.1.h.(2)(a) M.1.h.(3) M.1.h.(3)(a) M.1.h.(4) M.1.h.(4)(a) M.1.i. Memorandum items 1.h.(1)(a), 1.h.(2)(a), 1.h.(3)(a), and 1.h.(4)(a) are to be completed by banks with $100 billion or more in total assets.3 h. Sweep deposits: (1) Fully insured, affiliate sweep deposits ................................................................. (a) Fully insured, affiliate, retail sweep deposits ..................................................... (2) Not fully insured, affiliate sweep deposits ............................................................. (a) Not fully insured, affiliate, retail sweep deposits ................................................ (3) Fully insured, non-affiliate sweep deposits ........................................................... (a) Fully insured, non-affiliate, retail sweep deposits ............................................... (4) Not fully insured, non-affiliate sweep deposits ....................................................... (a) Not fully insured, non-affiliate, retail sweep deposits .......................................... i. Total sweep deposits that are not brokered deposits .................................................. MT89 MT90 MT91 MT92 MT93 MT94 MT95 1. Includes interest-bearing and noninterest-bearing demand deposits. 2. The dollar amount used as the basis for reporting in Memorandum item 1.c reflects the deposit insurance limits in effect on the report date. 3. The $100 billion asset-size test is based on the total assets reported on the June 30, 2024, Report of Condition. 03/2025 FFIEC 031 Page 34 of 88 RC-19 Schedule RC-E—Continued Part I—Continued Memoranda—Continued Dollar Amounts in Thousands 2. Components of total nontransaction accounts (sum of Memorandum items 2.a through 2.d must equal item 7, column C above): a. Savings deposits: (1) Money market deposit accounts (MMDAs) ........................................................... (2) Other savings deposits (excludes MMDAs) .......................................................... b. Total time deposits of less than $100,000 ................................................................ c. Total time deposits of $100,000 through $250,000 ..................................................... d. Total time deposits of more than $250,000 ............................................................... e. Individual Retirement Accounts (IRAs) and Keogh Plan accounts of $100,000 or more included in Memorandum items 2.c and 2.d above ..................................................... 3. Maturity and repricing data for time deposits of $250,000 or less: a. Time deposits of $250,000 or less with a remaining maturity or next repricing date of:1, 2 (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 $250,000 or less with a REMAINING MATURITY of one year or less (included in Memorandum items 3.a.(1) and 3.a.(2) above) 3 ......................................... 4. Maturity and repricing data for time deposits of more than $250,000: a. Time deposits of more than $250,000 with a remaining maturity or next repricing date of:1, 4 (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 more than $250,000 with a REMAINING MATURITY of one year or less (included in Memorandum items 4.a.(1) and 4.a.(2) above)3 ......................................... 5. Does your institution offer one or more consumer deposit account products, i.e., transaction account or nontransaction savings account deposit products intended primarily for individuals for personal, household, or family use? ........................................................ Amount RCON 6810 0352 6648 J473 J474 M.2.a.(1) M.2.a.(2) M.2.b. M.2.c. M.2.d. F233 M.2.e. HK07 HK08 HK09 HK10 M.3.a.(1) M.3.a.(2) M.3.a.(3) M.3.a.(4) HK11 M.3.b. HK12 HK13 HK14 HK15 M.4.a.(1) M.4.a.(2) M.4.a.(3) M.4.a.(4) K222 M.4.b. RCON Yes No P752 Memorandum items 6 and 7 are to be completed by institutions with $1 billion or more in total assets5 that answered “Yes” to Memorandum item 5 above. Dollar Amounts in Thousands RCON 6. Components of total transaction account deposits of individuals, partnerships, and corporations (sum of Memorandum items 6.a and 6.b must be less than or equal to item 1, column A, above): a. Total deposits in those noninterest-bearing transaction account deposit products intended primarily for individuals for personal, household, or family use ...................................... P753 b. Total deposits in those interest-bearing transaction account deposit products intended primarily for individuals for personal, household, or family use ...................................... P754 M.5. Amount M.6.a. M.6.b. 1. Report fixed-rate time deposits by remaining maturity and floating-rate time deposits by next repricing date. 2. Sum of Memorandum items 3.a.(1) through 3.a.(4) must equal Schedule RC-E, sum of Memorandum items 2.b and 2.c. 3. Report both fixed- and floating-rate time deposits by remaining maturity. Exclude floating rate time deposits with a next repricing date of one year or less that have a remaining maturity of over one year. 4. Sum of Memorandum items 4.a.(1) through 4.a.(4) must equal Schedule RC-E, Memorandum item 2.d. 5. The $1 billion asset-size test is based on the total assets reported on the June 30, 2024, Report of Condition. 03/2025 FFIEC 031 Page 35 of 88 RC-20 Schedule RC-E—Continued Part I—Continued Memoranda—Continued Dollar Amounts in Thousands 7. Components of total nontransaction account deposits of individuals, partnerships, and corporations (sum of Memorandum items 7.a.(1), 7.a.(2), 7.b.(1), and 7.b.(2) plus all time deposits of individuals, partnerships, and corporations must equal item 1, column C, above): a. Money market deposit accounts (MMDAs) of individuals, partnerships, and corporations (sum of Memorandum items 7.a.(1) and 7.a.(2) must be less than or equal to Memorandum item 2.a.(1) above): (1) Total deposits in those MMDA deposit products intended primarily for individuals for personal, household, or family use................................................................. (2) Deposits in all other MMDAs of individuals, partnerships, and corporations................. b. Other savings deposit accounts of individuals, partnerships, and corporations (sum of Memorandum items 7.b.(1) and 7.b.(2) must be less than or equal to Memorandum item 2.a.(2) above): (1) Total deposits in those other savings deposit account deposit products intended primarily for individuals for personal, household, or family use ................................. (2) Deposits in all other savings deposit accounts of individuals, partnerships, and corporations ............................................................................................ RCON Amount P756 P757 M.7.a.(1) M.7.a.(2) P758 M.7.b.(1) P759 M.7.b.(2) Part II. Deposits in Foreign Offices (including Edge and Agreement subsidiaries and IBFs) Items 1 through 6 are to be completed by banks with $10 billion or more in total assets.1 Dollar Amounts in Thousands Deposits of: 1. Individuals, partnerships, and corporations (include all certified and official checks) ............. 2. U.S. banks (including IBFs and foreign branches of U.S. banks) and other U.S. depository institutions 3. Foreign banks (including U.S. branches and agencies of foreign banks, including their IBFs) .. 4. Foreign governments and official institutions (including foreign central banks)..................... 5. U.S. Government and states and political subdivisions in the U.S. .................................... 6. Total (sum of items 1 through 5) (must equal Schedule RC, item 13.b) .............................. RCFN Amount B553 1. B554 2625 2. 3. 4. 5. 6. 2650 B555 2200 Memorandum Memorandum item 1 is to be completed by all banks. Dollar Amounts in Thousands RCFN 1. Time deposits with a remaining maturity of one year or less (included in Schedule RC, item 13.b).............................................................................................................. A245 Amount M.1. 1. The $10 billion asset-size test is based on the total assets reported on the June 30, 2024, Report of Condition. 03/2025 FFIEC 031 Page 36 of 88 RC-21 Schedule RC-F—Other Assets1 Dollar Amounts in Thousands 1. Accrued interest receivable .............................................................................................. 2. Net deferred tax assets3 ................................................................................................... 3. Interest-only strips receivable (not in the form of a security)4 .................................................... 4. Equity investments without readily determinable fair values5 ..................................................... 5. Life insurance assets: a. General account life insurance assets .............................................................................. b. Separate account life insurance assets............................................................................. c. Hybrid account life insurance assets ................................................................................ 6. All other assets (itemize and describe amounts greater than $100,000 that exceed 25 percent of this item) .................................................................................................................... a. Prepaid expenses ........................................................................ 2166 b. Repossessed personal property (including vehicles) ........................... 1578 c. Derivatives with a positive fair value held for purposes other than trading ................................................................................ C010 d. Not applicable e. Computer software ....................................................................... FT33 f. Accounts receivable ..................................................................... FT34 g. Receivables from foreclosed government-guaranteed mortgage loans .... FT35 TEXT 3549 h. 3549 TEXT 3550 i. 3550 TEXT 3551 j. 3551 7. Total (sum of items 1 through 6) (must equal Schedule RC, item 11) ......................................... 2 RCFD Amount B556 2148 1. 2. 3. 4. HT80 1752 K201 5.a. 5.b. 5.c. K202 K270 2168 6. 6.a. 6.b. 6.c. 6.e. 6. f. 6.g. 6.h. 6. i. 6. j. 7. 2160 Schedule RC-G—Other Liabilities Dollar Amounts in Thousands RCON 1. a. Interest accrued and unpaid on deposits in domestic offices6 ................................................ 3645 Amount 1.a. RCFD b. Other expenses accrued and unpaid (includes accrued income taxes payable)......................... 2. Net deferred tax liabilities3 ................................................................................................. 3. Allowance for credit losses on off-balance-sheet credit exposures ............................................. 4. All other liabilities (itemize and describe amounts greater than $100,000 that exceed 25 percent of this item) .................................................................................................................... a. Accounts payable ........................................................................ 3066 b. Deferred compensation liabilities ..................................................... C011 c. Dividends declared but not yet payable............................................. 2932 d. Derivatives with a negative fair value held for purposes other than trading ................................................................................ C012 e. Operating lease liabilities ............................................................... LB56 TEXT 3552 f. 3552 TEXT 3553 g. 3553 TEXT 3554 h. 3554 5. Total (sum of items 1 through 4) (must equal Schedule RC, item 20) ......................................... 3646 3049 B557 1.b. 2. 3. 2938 4. 4.a. 4.b. 4.c. 2930 4.d. 4.e. 4. f. 4.g. 4.h. 5. 1. Institutions should report asset amounts in Schedule RC-F net of any applicable allowance for credit losses. 2. Include accrued interest receivable on loans, leases, debt securities, and other interest-bearing assets. Exclude accrued interest receivable on interest-bearing assets that is reported elsewhere on the balance sheet. 3. See discussion of deferred income taxes in Glossary entry on "Income Taxes." 4. Report interest-only strips receivable in the form of a security as available-for-sale securities in Schedule RC, item 2.b, or as trading assets in Schedule RC, item 5, as appropriate. 5. Include Federal Reserve stock, Federal Home Loan Bank stock, and bankers' bank stock. 6. For savings banks, include "dividends" accrued and unpaid on deposits. 03/2025 FFIEC 031 Page 37 of 88 RC-22 Schedule RC-H—Selected Balance Sheet Items for Domestic Offices To be completed only by banks with foreign offices. Domestic Offices Dollar Amounts in Thousands 1. and 2. Not applicable 3. Securities purchased under agreements to resell1 .............................................................. 4. Securities sold under agreements to repurchase................................................................ 5. Other borrowed money ................................................................................................. EITHER 6. Net due from own foreign offices, Edge and agreement subsidiaries, and IBFs ........................ OR 7. Net due to own foreign offices, Edge and agreement subsidiaries, and IBFs............................ 8. Total assets (excludes net due from foreign offices, Edge and agreement subsidiaries, and IBFs)................. 9. Total liabilities (excludes net due to foreign offices, Edge and agreement subsidiaries, and IBFs) .................... (Column A) Amortized Cost of Held-to-Maturity Securities2 Dollar Amounts in Thousands 10. U.S. Treasury securities ............................................................... 11. U.S. Government agency obligations (exclude mortgage-backed securities) ............................................. 12. Securities issued by states and political subdivisions in the U.S. ........... 13. Mortgage-backed securities (MBS): a. Mortgage pass-through securities: (1) Issued or guaranteed by FNMA, FHLMC, or GNMA .................... (2) Other mortgage pass-through securities ................................... b. Other mortgage-backed securities (include CMOs, REMICs, and stripped MBS): (1) Issued or guaranteed by U.S. Government agencies or sponsored agencies3 ............................................................ (2) All other mortgage-backed securities ....................................... 14. Other domestic debt securities (include domestic structured financial products and domestic asset-backed securities) ................................ 15. Other foreign debt securities (include foreign structured financial products and foreign asset-backed securities) ................................... 16. Not applicable 17. Total held-to-maturity and available-for-sale debt securities (sum of items 10 through 15) ......................................................... RCON Amount RCON Amount B989 B995 3190 3. 4. 5. 2163 6. 2941 7. 2192 8. 3129 9. (Column B) Fair Value of Available-for-Sale Securities RCON Amount 0211 1287 10. 8492 8496 8495 8499 11. 12. G389 G390 1709 1713 13.a.(1) 13.a.(2) G393 1733 G394 1736 13.b.(1) 13.b.(2) G397 G398 14. G399 G400 15. 1754 1773 17. RCON 18. Equity investments not held for trading: a. Equity securities with readily determinable fair values4 ..................................................... JA22 b. Equity investments without readily determinable fair values .............................................. 1752 Amount 18.a. 18.b. 1. Institutions should report in item 3 amounts net of any applicable allowance for credit losses. 2. Allowances for credit losses should not be deducted from the amortized cost amounts reported in items 10 through 17, column A. 3. U.S. Government agencies include, but are not limited to, such agencies as the Government National Mortgage Association (GNMA), the Federal Deposit Insurance Corporation (FDIC), and the National Credit Union Administration (NCUA). U.S. Government-sponsored agencies include, but are not limited to, such agencies as the Federal Home Loan Mortgage Corporation (FHLMC) and the Federal National Mortgage Association (FNMA). 4. Item 18.a is to be completed by all institutions. See the instructions for this item and the Glossary entry for "Securities Activities" for further detail on accounting for investments in equity securities. 06/2024 FFIEC 031 Page 38 of 88 RC-23 Schedule RC-H—Continued Dollar Amounts in Thousands Items 19, 20, and 21 are to be completed by (1) banks that reported total trading assets of $10 million or more in any of the four preceding calendar quarters and (2) all banks meeting the FDIC's definition of a large or highly complex institution for deposit insurance assessment purposes. RCON Amount 19. Total trading assets ..................................................................................................... 3545 20. Total trading liabilities................................................................................................... 3548 21. Total loans held for trading ............................................................................................ HT71 19. 20. 21. Item 22 is to be completed by banks that: (1) have elected to report financial instruments or servicing assets and liabilities at fair value under a fair value option with changes in fair value recognized in earnings, or (2) are required to completed Schedule RC-D, Trading Assets and Liabilities. 22. Total amount of fair value option loans held for investment and held for sale ........................... JF75 22. Schedule RC-I—Assets and Liabilities of IBFs To be completed only by banks with IBFs and other "foreign" offices. Dollar Amounts in Thousands RCFN 1. Total IBF assets of the consolidated bank (component of Schedule RC, item 12) ................... 2133 2. Total IBF liabilities (component of Schedule RC, item 21) .................................................. 2898 Amount 1. 2. 09/2019 FFIEC 031 Page 39 of 88 RC-24 Schedule RC-K—Quarterly Averages1 Dollar Amounts in Thousands Assets 1. Interest-bearing balances due from depository institutions ......................................... 2. U.S. Treasury securities and U.S. Government agency obligations2 (excluding mortgage-backed securities) ................................................................. 3. Mortgage-backed securities2 ................................................................................ 4. All other debt securities2 and equity securities with readily determinable fair values not held for trading3 .................................................................................. 5. Federal funds sold and securities purchased under agreements to resell ...................... 6. Loans: a. Loans in domestic offices: (1) Total loans ............................................................................................... (2) Loans secured by real estate: (a) Loans secured by 1– 4 family residential properties ...................................... (b) All other loans secured by real estate ........................................................ (3) Loans to finance agricultural production and other loans to farmers ..................... (4) Commercial and industrial loans ................................................................... (5) Loans to individuals for household, family, and other personal expenditures: (a) Credit cards ......................................................................................... (b) Other (includes revolving credit plans other than credit cards, automobile loans, and other consumer loans) ...................................................................... b. Total loans in foreign offices, Edge and agreement subsidiaries, and IBFs......... RCFN RCFD Amount 3381 1. B558 2. 3. B559 B560 4. 5. 3365 RCON 3360 6.a.(1) 3465 3466 3386 3387 6.a.(2)(a) 6.a.(2)(b) 6.a.(3) 6.a.(4) B561 6.a.(5)(a) B562 3360 6.a.(5)(b) 6.b. 3401 7. 8. 9. Item 7 is to be completed by (1) banks that reported total trading assets of $10 million or more in any of the four preceding calendar quarters and (2) all banks meeting the FDIC's definition of a large or highly complex institution for deposit insurance assessment purposes. 7. Trading assets .......................................................................................... RCFD 8. Lease financing receivables (net of unearned income) ...................................... RCFD 9. Total assets4 ............................................................................................ RCFD Liabilities 10. Interest-bearing transaction accounts in domestic offices (interest-bearing demand deposits, NOW accounts, ATS accounts, and telephone and preauthorized transfer accounts) ............. 11. Nontransaction accounts in domestic offices: a. Savings deposits (includes MMDAs) .................................................................. b. Time deposits of $250,000 or less ..................................................................... c. Time deposits of more than $250,000................................................................. 12. Interest-bearing deposits in foreign offices, Edge and agreement subsidiaries, and IBFs ................................................................................................. RCFN 13. Federal funds purchased and securities sold under agreements to repurchase ...... RCFD 14. Other borrowed money (includes mortgage indebtedness) ................................. RCFD 3484 3368 RCON 3485 10. B563 HK16 HK17 11.a. 11.b. 11.c. 3404 3353 12. 13. 14. 3355 1. For all items, banks have the option of reporting either (1) an average of DAILY figures for the quarter, or (2) an average of WEEKLY figures (i.e., the Wednesday of each week of the quarter). 2. Quarterly averages for all debt securities should be based on amortized cost. 3. Quarterly averages for equity securities with readily determinable fair values should be based on fair value. 4. The quarterly average for total assets should reflect securities not held for trading as follows: a) Debt securities at amortized cost. b) Equity securities with readily determinable fair values at fair value. c) Equity investments without readily determinable fair values at their balance sheet carrying values (i.e., fair value or, if elected, cost minus impairment, if any, plus or minus changes resulting from observable price changes). 12/2020 FFIEC 031 Page 40 of 88 RC-25 Schedule RC-L—Derivatives and Off-Balance-Sheet Items Please read carefully the instructions for the preparation of Schedule RC-L. Some of the amounts reported in Schedule RC-L are regarded as volume indicators and not necessarily as measures of risk. Dollar Amounts in Thousands RCFD Amount 1. Unused commitments: a. Revolving, open-end lines secured by 1– 4 family residential properties, e.g., home equity lines ........................................................................................................... 3814 1.a. Item 1.a.(1) is to be completed for the December report only. RCON (1) Unused commitments for reverse mortgages outstanding that are held for investment in domestic offices ................................................................................................ HT72 1.a.(1) RCFD b. Credit card lines .................................................................................................... 3815 1.b. Items 1.b.(1) and 1.b.(2) are to be completed semiannually in the June and December reports only by banks with either $300 million or more in total assets or $300 million or more in credit card lines1 (sum of items 1.b.(1) and 1.b.(2) must equal item 1.b). (1) Unused consumer credit card lines ....................................................................... (2) Other unused credit card lines.............................................................................. c. Commitments to fund commercial real estate, construction, and land development loans: (1) Secured by real estate: (a) 1–4 family residential construction loan commitments........................................... (b) Commercial real estate, other construction loan, and land development loan commitments ........................................................................................ (2) NOT secured by real estate ................................................................................. d. Securities underwriting ............................................................................................ e. Other unused commitments: (1) Commercial and industrial loans ........................................................................... (2) Loans to depository financial institutions................................................................. (3) Loans to nondepository financial institutions............................................................ J455 J456 1.b.(1) 1.b.(2) F164 1.c.(1)(a) F165 6550 1.c.(1)(b) 1.c.(2) 1.d. 3817 J457 PV10 PV11 1.e.(1) 1.e.(2) 1.e.(3) PV12 PV13 PV14 PV15 PV16 J459 3819 1.e.(3)(a) 1.e.(3)(b) 1.e.(3)(c) 1.e.(3)(d) 1.e.(3)(e) 1.e.(4) 2. Items 1.e.(3)(a) through 1.e.(3)(e) are to be completed by banks with $10 billion or more in total assets.1 (a) Loans to mortgage credit intermediaries ............................................................. (b) Loans to business credit intermediaries.............................................................. (c) Loans to private equity funds ........................................................................... (d) Loans to consumer credit intermediaries ............................................................ (e) Other loans to nondepository financial institutions ................................................ (4) All other unused commitments ............................................................................. 2. Financial standby letters of credit.................................................................................. Item 2.a is to be completed by banks with $1 billion or more in total assets.1 a. Amount of financial standby letters of credit conveyed to others....... 3820 3. Performance standby letters of credit ............................................................................ 3821 2.a. 3. Item 3.a is to be completed by banks with $1 billion or more in total assets.1 a. Amount of performance standby letters of credit conveyed to others ..... 3822 4. Commercial and similar letters of credit.......................................................................... 3411 5. Not applicable 6. Securities lent and borrowed: a. Securities lent (including customers' securities lent where the customer is indemnified against loss by the reporting bank)......................................................................................... 3433 b. Securities borrowed ................................................................................................. 3432 3.a. 4. 6.a. 6.b. 1. The asset-size tests and the $300 million credit card lines test are based on the total assets and credit card lines reported on the June 30, 2024, Report of Condition. 03/2025 FFIEC 031 Page 41 of 88 RC-26 Schedule RC-L—Continued (Column A) Sold Protection (Column B) Purchased Protection Dollar Amounts in Thousands RCFD Amount Amount RCFD 7. Credit derivatives: a. Notional amounts: C969 (1) Credit default swaps ......................... C968 C970 C971 (2) Total return swaps ............................ C972 C973 (3) Credit options .................................. C974 C975 (4) Other credit derivatives ...................... b. Gross fair values: C221 (1) Gross positive fair value..................... C219 C222 (2) Gross negative fair value ................... C220 c. Notional amounts by regulatory capital treatment:1 (1) Positions covered under the Market Risk Rule: (a) Sold protection ............................................................................................ (b) Purchased protection .................................................................................... (2) All other positions: (a) Sold protection ............................................................................................ (b) Purchased protection that is recognized as a guarantee for regulatory capital purposes........................................................................................... (c) Purchased protection that is not recognized as a guarantee for regulatory capital purposes........................................................................................... 7.a.(1) 7.a.(2) 7.a.(3) 7.a.(4) 7.b.(1) 7.b.(2) RCFD Amount G401 G402 7.c.(1)(a) 7.c.(1)(b) G403 7.c.(2)(a) G404 7.c.(2)(b) G405 7.c.(2)(c) Remaining Maturity of: (Column A) One Year or Less Dollar Amounts in Thousands 7. d. Notional amounts by remaining maturity: (1) Sold credit protection:2 (a) Investment grade ......................... (b) Subinvestment grade .................... (2) Purchased credit protection:3 (a) Investment grade ......................... (b) Subinvestment grade .................... RCFD Amount (Column B) Over One Year Through Five Years RCFD Amount (Column C) Over Five Years RCFD Amount G406 G409 G407 G410 G408 G411 7.d.(1)(a) 7.d.(1)(b) G412 G415 G413 G416 G414 G417 7.d.(2)(a) 7.d.(2)(b) RCFD 8. Spot foreign exchange contracts ................................................................................. 9. All other off-balance-sheet liabilities (exclude derivatives) (itemize and describe each component of this item over 25 percent of Schedule RC, item 27.a, "Total bank equity capital") ...... a. Not applicable b. Commitments to purchase when-issued securities ....................... 3434 c. Standby letters of credit issued by another party (e.g., a Federal Home Loan Bank) on the bank's behalf ................ C978 TEXT 3555 d. 3555 TEXT 3556 e. 3556 TEXT 3557 f. 3557 Amount 8765 8. 3430 9. 9.b. 9.c. 9.d. 9.e. 9. f. 1. Sum of items 7.c.(1)(a) and 7.c.(2)(a), must equal sum of items 7.a.(1) through (4), column A. Sum of items 7.c.(1)(b), 7.c.(2)(b), and 7.c.(2)(c) must equal sum of items 7.a.(1) through (4), column B. 2. Sum of items 7.d.(1)(a) and (b), columns A through C, must equal sum of items 7.a.(1) through (4), column A. 3. Sum of items 7.d.(2)(a) and (b), columns A through C, must equal sum of items 7.a.(1) through (4), column B. 12/2024 FFIEC 031 Page 42 of 88 RC-27 Schedule RC-L—Continued Dollar Amounts in Thousands 10. All other off-balance-sheet assets (exclude derivatives) (itemize and describe each component of this item over 25 percent of Schedule RC, item 27.a, "Total bank equity capital") ............................................... a. Commitments to sell when-issued securities ................................... TEXT b. 5592 TEXT c. 5593 TEXT d. 5594 TEXT e. 5595 RCFD Amount RCFD Amount 5591 10. 10.a. 10.b. 10.c. 10.d. 10.e. 3435 5592 5593 5594 5595 Items 11.a and 11.b are to be completed semiannually in the June and December reports only. 11. Year-to-date merchant credit card sales volume: a. Sales for which the reporting bank is the acquiring bank .................................................... C223 b. Sales for which the reporting bank is the agent bank with risk ............................................. C224 Dollar Amounts in Thousands Derivatives Position Indicators 12. Gross amounts (e.g., notional amounts) (for each column, sum of items 12.a through 12.e must equal sum of items 13 and 14): a. Futures contracts ...... b. Forward contracts ..... c. Exchange-traded option contracts: (1) Written options..... (2) Purchased options.. d. Over-the-counter option contracts: (1) Written options..... 11.a. 11.b. (Column A) Interest Rate Contracts (Column B) Foreign Exchange Contracts (Column C) Equity Derivative Contracts (Column D) Commodity and Other Contracts Amount Amount Amount Amount RCFD 8693 RCFD 8694 RCFD 8695 RCFD 8696 RCFD 8697 RCFD 8698 RCFD 8699 RCFD 8700 12.a. 12.b. RCFD 8701 RCFD 8702 RCFD 8703 RCFD 8704 RCFD 8705 RCFD 8706 RCFD 8707 RCFD 8708 12.c.(1) 12.c.(2) RCFD 8709 RCFD 8710 RCFD 8711 RCFD 8712 RCFD 8713 RCFD 8714 RCFD 8715 RCFD 8716 RCFD 3450 RCFD 3826 RCFD 8719 RCFD 8720 12.d.(1) (2) Purchased options.. e. Swaps .................... 13. Total gross notional amount of derivative contracts held for trading.. 14. Total gross notional amount of derivative contracts held for purposes other than trading ....................... a. Interest rate swaps where the bank has agreed to pay a fixed rate ........................ 12.d.(2) 12.e. RCFD A126 RCFD A127 RCFD 8723 RCFD 8724 13. RCFD 8725 RCFD 8726 RCFD 8727 RCFD 8728 14. RCFD A589 14.a. 12/2024 FFIEC 031 Page 43 of 88 RC-28 Schedule RC-L—Continued Item 16 is to be completed only by banks with total assets of $10 billion or more.1 (Column A) Interest Rate Contracts Dollar Amounts in Thousands Derivatives Position Indicators 15. Gross fair values of derivative contracts: a. Contracts held for trading: (1) Gross positive fair value................................................... (2) Gross negative fair value ................................................. b. Contracts held for purposes other than trading: (1) Gross positive fair value................................................... (2) Gross negative fair value ................................................. (Column A) Banks and Securities Firms Dollar Amounts in Thousands 16. Over-the-counter derivatives: a. Net current credit exposure ................... b. Fair value of collateral: (1) Cash–U.S. dollar ............................ (2) Cash–Other currencies .................... (3) U.S. Treasury securities................... (4) U.S. Government agency and U.S. Government-sponsored agency debt securities ............................... (5) Corporate bonds ............................ (6) Equity securities ............................. (7) All other collateral ........................... (8) Total fair value of collateral (sum of items 16.b.(1) through (7)) ..... RCFD Amount RCFD Amount (Column B) Foreign Exchange Contracts RCFD Amount (Column C) Equity Derivative Contracts RCFD Amount (Column D) Commodity and Other Contracts RCFD Amount 8733 8737 8734 8738 8735 8739 8736 8740 15.a.(1) 15.a.(2) 8741 8742 8743 8744 8745 8746 8747 8748 15.b.(1) 15.b.(2) (Column B) Not applicable (Column C) Hedge Funds RCFD Amount (Column D) Sovereign Governments RCFD Amount (Column E) Corporations and All Other Counterparties RCFD Amount G418 G420 G421 G422 16.a. G423 G428 G433 G425 G430 G435 G426 G431 G436 G427 G432 G437 16.b.(1) 16.b.(2) 16.b.(3) G438 G440 G441 G442 G443 G448 G453 G445 G450 G455 G446 G451 G456 G447 G452 G457 16.b.(4) 16.b.(5) 16.b.(6) 16.b.(7) G458 G460 G461 G462 16.b.(8) 1. The $10 billion asset-size test is based on the total assets reported on the June 30, 2024, Report of Condition. 03/2025 FFIEC 031 Page 44 of 88 RC-29 Schedule RC-M—Memoranda Dollar Amounts in Thousands 1. Extensions of credit by the reporting bank to its executive officers, directors, principal shareholders, and their related interests as of the report date: a. Aggregate amount of all extensions of credit to all executive officers, directors, principal shareholders, and their related interests ..................................................................... b. Number of executive officers, directors, and principal shareholders to whom the amount of all extensions of credit by the reporting bank (including extensions of credit to Number related interests) equals or exceeds the lesser of $500,000 or 5 percent of total capital as defined for this purpose in agency regulations ................. 6165 2. Intangible assets: a. Mortgage servicing assets ....................................................................................... (1) Estimated fair value of mortgage servicing assets .................... A590 b. Goodwill............................................................................................................... c. All other intangible assets ........................................................................................ d. Total (sum of items 2.a, 2.b, and 2.c) (must equal Schedule RC, item 10).......................... 3. Other real estate owned: a. Construction, land development, and other land in domestic offices.................................. b. Farmland in domestic offices .................................................................................... c. 1–4 family residential properties in domestic offices ...................................................... d. Multifamily (5 or more) residential properties in domestic offices ...................................... e. Nonfarm nonresidential properties in domestic offices ................................................... RCFD 6164 Amount 1.a. 1.b. 3164 3163 JF76 2143 2.a. 2.a.(1) 2.b. 2.c. 2.d. RCON 5508 5509 5510 5511 5512 3.a. 3.b. 3.c. 3.d. 3.e. RCFN f. In foreign offices .................................................................................................... 5513 3.f. RCFD g. Total (sum of items 3.a through 3.f) (must equal Schedule RC, item 7).............................. 4. Cost of equity securities with readily determinable fair values not held for trading (the fair value of which is reported in Schedule RC, item 2.c)1 ............................................. 5. Other borrowed money: a. Federal Home Loan Bank advances: (1) Advances with a remaining maturity or next repricing date of:2 (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 ....................................................................... (3) Structured advances (included in items 5.a.(1)(a) - (d) above).................................... b. Other borrowings: (1) Other borrowings with a remaining maturity or next repricing date of:4 (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 item 5.b.(1)(a) above)5 ....................................................................... c. Total (sum of items 5.a.(1)(a)-(d) and items 5.b.(1)(a)-(d)) (must equal Schedule RC, item 16) ........................................................................... 2150 3.g. JA29 4. F055 F056 F057 F058 5.a.(1)(a) 5.a.(1)(b) 5.a.(1)(c) 5.a.(1)(d) 2651 F059 5.a.(2) 5.a.(3) F060 F061 F062 F063 5.b.(1)(a) 5.b.(1)(b) 5.b.(1)(c) 5.b.(1)(d) B571 5.b.(2) 3190 5.c. 1. Item 4 is to be completed only by insured state banks that have been approved by the FDIC to hold grandfathered equity investments. See instructions for this item and the Glossary entry for "Securities Activities" for further detail on accounting for investments in equity securities. 2. Report fixed-rate advances by remaining maturity and floating-rate advances by next repricing date. 3. Report both fixed- and floating-rate advances by remaining maturity. Exclude floating-rate advances with a next repricing date of one year or less that have a remaining maturity of over one year. 4. Report fixed-rate other borrowings by remaining maturity and floating-rate other borrowings by next repricing date. 5. Report both fixed- and floating-rate other borrowings by remaining maturity. Exclude floating-rate other borrowings with a next repricing date of one year or less that have a remaining maturity of over one year. 12/2020 FFIEC 031 Page 45 of 88 RC-30 Schedule RC-M—Continued Dollar Amounts in Thousands RCFD Yes 6. Does the reporting bank sell private label or third-party mutual funds and annuities? ........... B569 RCFD No 6. Amount 7. Assets under the reporting bank's management in proprietary mutual funds and annuities.......... B570 8. Internet website addresses and physical office trade names: a. Uniform Resource Locator (URL) of the reporting institution’s primary Internet website (home page), if any (Example: www.examplebank.com): TEXT http:// 4087 7. 8.a. b. URLs of all other public-facing Internet websites that the reporting institution uses to accept or solicit deposits from the public, if any (Example: www.examplebank.biz):1 TE01 http:// (1) N528 TE02 http:// (2) N528 TE03 http:// (3) N528 TE04 http:// (4) N528 TE05 http:// (5) N528 TE06 http:// (6) N528 TE07 http:// (7) N528 TE08 http:// (8) N528 TE09 http:// (9) N528 TE10 (10) N528 http:// c. Trade names other than the reporting institution’s legal title used to identify one or more of the institution’s physical offices at which deposits are accepted or solicited from the public, if any: TE01 (1) N529 TE02 (2) N529 TE03 (3) N529 TE04 (4) N529 TE05 (5) N529 TE06 (6) N529 8.b.(1) 8.b.(2) 8.b.(3) 8.b.(4) 8.b.(5) 8.b.(6) 8.b.(7) 8.b.(8) 8.b.(9) 8.b.(10) 8.c.(1) 8.c.(2) 8.c.(3) 8.c.(4) 8.c.(5) 8.c.(6) Item 9 is to be completed annually in the December report only. RCFD Yes 9. Do any of the bank's Internet websites have transactional capability, i.e., allow the bank's customers to execute transactions on their accounts through the website? ............... 4088 10. Secured liabilities: RCON a. Amount of ''Federal funds purchased in domestic offices" that are secured (included in Schedule RC, item 14.a) ...................................................................... F064 RCFD b. Amount of ''Other borrowings" that are secured (included in Schedule RC-M, items 5.b.(1)(a)-(d)) ...................................................... F065 No 9. Amount RCON Yes 11. Does the bank act as trustee or custodian for Individual Retirement Accounts, Health Savings Accounts, and other similar accounts? ............................................................ G463 12. Does the bank provide custody, safekeeping, or other services involving the acceptance of orders for the sale or purchase of securities? ............................................................ G464 10.a. 10.b. No 11. 12. 1. Report only highest level URLs (for example, report www.examplebank.biz, but do not also report www.examplebank.biz/checking). Report each top level domain name used (for example, report both www.examplebank.biz and www.examplebank.net). 06/2018 FFIEC 031 Page 46 of 88 RC-31 Schedule RC-M—Continued Dollar Amounts in Thousands RCFD 13. Portion of covered other real estate owned that is protected by FDIC loss-sharing agreements (included in Schedule RC, item 7) ................................................................................ K192 Amount 13. Items 14.a and 14.b are to be completed annually in the December report only. 14. Captive insurance and reinsurance subsidiaries: a. Total assets of captive insurance subsidiaries1 ........................................................... K193 b. Total assets of captive reinsurance subsidiaries1 ........................................................ K194 14.a. 14.b. Item 15 is to be completed by institutions that are required or have elected to be treated as a Qualified Thrift Lender. 15. Qualified Thrift Lender (QTL) test: a. Does the institution use the Home Owners' Loan Act (HOLA) QTL test or the Internal Revenue Service Domestic Building and Loan Association (IRS DBLA) test to determine its QTL compliance? (for the HOLA QTL test, enter 1; for the IRS DBLA test, enter 2)................... b. Has the institution been in compliance with the HOLA QTL test as of each month end during the quarter or the IRS DBLA test for its most recent taxable year, as applicable? .................... Item 16.a and, if appropriate, items 16.b.(1) through 16.b.(3) are to be completed annually in the December report only. Number RCON 15.a. L133 Yes No L135 15.b. 16. International remittance transfers offered to consumers: 2 a. Estimated number of international remittance transfers provided by your institution during the calendar year ending on the report date........................................................................ N523 16.a. Items 16.b.(1) through 16.b.(3) are to be completed by institutions that reported 501 or more international remittance transfers in item 16.a in either or both of the current report or the prior December report in which item 16.a was required to be completed. b. Estimated dollar value of remittance transfers provided by your institution and usage of regulatory exceptions during the calendar year ending on the report date: (1) Estimated dollar value of international remittance transfers ...................................... (2) Estimated number of international remittance transfers for which your institution applied the permanent exchange rate exception............................................................... (3) Estimated number of international remittance transfers for which your institution applied the permanent covered third-party fee exception.................................................... 17. U.S. Small Business Administration Paycheck Protection Program (PPP) loans3 and the Federal Reserve PPP Liquidity Facility (PPPLF): a. Number of PPP loans outstanding ........................................................................... Amount N524 16.b.(1) Number MM07 16.b.(2) MQ52 16.b.(3) LG26 17.a. Amount b. Outstanding balance of PPP loans ........................................................................... LG27 c. Outstanding balance of PPP loans pledged to the PPPLF............................................. LG28 d. Outstanding balance of borrowings from Federal Reserve Banks under the PPPLF with a remaining maturity of: (1) One year or less.............................................................................................. LL59 (2) More than one year ......................................................................................... LL60 e. Quarterly average amount of PPP loans pledged to the PPPLF and excluded from “Total assets for the leverage ratio” reported in Schedule RC͈R, Part I, item 30 ......................... LL57 17.b. 17.c. 17.d.(1) 17.d.(2) 17.e. 1. Report total assets before eliminating intercompany transactions between the consolidated insurance or reinsurance subsidiary and other offices or consolidated subsidiaries of the reporting bank. 2. Report information about international electronic transfers of funds offered to consumers in the United States that: (a) are “remittance transfers” as defined by subpart B of Regulation E (12 CFR § 1005.30(e)), or (b) would qualify as “remittance transfers” under subpart B of Regulation E (12 CFR § 1005.30(e)) but are excluded from that definition only because the provider is not providing those transfers in the normal course of its business. See 12 CFR § 1005.30(f). For purposes of this item 16, such transfers are referred to as international remittance transfers. Exclude transfers sent by your institution as a correspondent bank for other providers. Report information only about transfers for which the reporting institution is the provider. 3. Paycheck Protection Program (PPP) covered loans as defined in sections 7(a)(36) and 7(a)(37) of the Small Business Act (15 U.S.C. 636(a)(36) and (37)). 12/2024 FFIEC 031 Page 47 of 88 RC-32 Schedule RC-N—Past Due and Nonaccrual Loans, Leases, and Other Assets (Column A) Past due 30 through 89 days and still accruing Dollar Amounts in Thousands 1. Loans secured by real estate: a. Construction, land development, and other land loans in domestic offices: (1) 1–4 family residential construction loans ............................................. (2) Other construction loans and all land development and other land loans ....... b. Secured by farmland in domestic offices .... c. Secured by 1–4 family residential properties in domestic offices: (1) Revolving, open-end loans secured by 1–4 family residential properties and extended under lines 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 in domestic offices .... e. Secured by nonfarm nonresidential properties in domestic offices: (1) Loans secured by owner-occupied nonfarm nonresidential properties ........ (2) Loans secured by other nonfarm nonresidential properties.................... f. In foreign offices ................................... 2. Loans to depository institutions and acceptances of other banks: a. To U.S. banks and other U.S. depository institutions........................................... b. To foreign banks ................................... 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. Loans to individuals for household, family, and other personal expenditures: a. Credit cards ......................................... b. Automobile loans .................................. c. Other (revolving credit plans other than credit cards, and other consumer loans) ...... 6. Loans to foreign governments and official institutions ..................................... 7. All other loans ......................................... RCON Amount (Column B) Past due 90 days or more and still accruing RCON Amount (Column C) Nonaccrual RCON Amount F172 F174 F176 1.a.(1) F173 3493 F175 3494 F177 3495 1.a.(2) 1.b. 5398 5399 5400 1.c.(1) C236 C238 C237 C239 C229 C230 1.c.(2)(a) 1.c.(2)(b) 3499 3500 3501 1.d. F178 F180 F182 1.e.(1) 1.e.(2) F179 F181 F183 RCFN RCFN RCFN B572 B573 B574 RCFD RCFD RCFD 5377 5380 5378 5381 5379 5382 2.a. 2.b. 1594 1597 1583 3. 1251 1254 1252 1255 1253 1256 4.a. 4.b. B575 K213 B576 K214 B577 K215 5.a. 5.b. K216 K217 K218 5.c. 5389 5390 5391 5459 5460 5461 6. 7. 1. f. 06/2012 FFIEC 031 Page 48 of 88 RC-33 Schedule RC-N—Continued Amounts reported by loan and lease category in Schedule RC-N, items 1 through 8, include guaranteed and unguaranteed portions of past due and nonaccrual loans and leases. Report in items 11 and 12 below certain guaranteed loans and leases that have already been included in the amounts reported in items 1 through 8. (Column A) Past due 30 through 89 days and still accruing Dollar Amounts in Thousands 8. Lease financing receivables: a. Leases to individuals for household, family, and other personal expenditures b. All other leases................................. 9. Total loans and leases (sum of items 1 through 8.b) ........................................ 10. Debt securities and other assets (exclude other real estate owned and other repossessed assets) ............................. 11. Loans and leases reported in items 1 through 8 above that are wholly or partially guaranteed by the U.S. Government, excluding loans and leases covered by losssharing agreements with the FDIC.............. a. Guaranteed portion of loans and leases included in item 11 above, excluding rebooked "GNMA loans" ....... b. Rebooked "GNMA loans" that have been repurchased or are eligible for repurchase included in item 11 above ...... 12. Portion of covered loans and leases reported in item 9 above that is protected by FDIC loss-sharing agreements ............ RCFD Amount (Column B) Past due 90 days or more and still accruing RCFD Amount (Column C) Nonaccrual RCFD Amount F166 F169 F167 F170 F168 F171 8.a. 8.b. 1406 1407 1403 9. 3505 3506 3507 10. K036 K037 K038 11. K039 K040 K041 11.a. K042 K043 K044 11.b. K102 K103 K104 12. 09/2023 FFIEC 031 Page 49 of 88 RC-34 Schedule RC-N—Continued Memoranda (Column A) Past due 30 through 89 days and still accruing Dollar Amounts in Thousands 1. Loan modifications to borrowers experiencing financial difficulty included in Schedule RC-N, items 1 through 7, above (and not reported in Schedule RC-C, Part I, Memorandum item 1): a. Construction, land development, and other land loans in domestic offices: (1) 1–4 family residential construction loans .... (2) Other construction loans and all land development and other land loans .... b. Loans secured by 1– 4 family residential properties in domestic offices ..... c. Secured by multifamily (5 or more) residential properties in domestic offices ...... d. Secured by nonfarm nonresidential properties in domestic offices: (1) Loans secured by owner-occupied nonfarm nonresidential properties ...... (2) Loans secured by other nonfarm nonresidential properties .................. e. Commercial and industrial loans: (1) To U.S. addressees (domicile) .......... (2) To non-U.S. addressees (domicile) ..... f. All other loans (include loans to individuals for household, family, and other personal expenditures) ................. Itemize loan categories included in Memorandum item 1.f, above that exceed 10 percent of total loan modifications to borrowers experiencing financial difficulty that are past due 30 days or more or in nonaccrual status (sum of Memorandum items 1.a through 1.f, columns A through C): (1) Loans secured by farmland in domestic offices ............................. (2) Not applicable (3) Loans to finance agricultural production and other loans to farmers......................................... (4) Loans to individuals for household, family, and other personal expenditures: (a) Credit cards .............................. (b) Automobile loans ....................... (c) Other (includes revolving credit plans other than credit cards, and other consumer loans).......................... RCON Amount (Column B) Past due 90 days or more and still accruing RCON Amount (Column C) Nonaccrual RCON Amount K105 K106 K107 M.1.a.(1) K108 K109 K110 M.1.a.(2) F661 F662 F663 M.1.b. K111 K112 K113 M.1.c. K114 K115 K116 M.1.d.(1) M.1.d.(2) K117 K118 K119 RCFD RCFD RCFD K120 K123 K121 K124 K122 K125 M.1.e.(1) M.1.e.(2) K126 K127 K128 M.1. f. RCON RCON RCON K130 K131 K132 RCFD RCFD RCFD K138 K139 K140 M.1. f.(3) K274 K275 K276 K277 K278 K279 M.1. f.(4)(a) M.1. f.(4)(b) K280 K281 K282 M.1. f.(4)(c) M.1. f.(1) 06/2024 FFIEC 031 Page 50 of 88 RC-35 Schedule RC-N—Continued Memoranda—Continued (Column A) Past due 30 through 89 days and still accruing Dollar Amounts in Thousands RCFD 1. g. Total loan modifications to borrowers experiencing financial difficulty included in Schedule RC-N, items 1 through 7, above (sum of Memorandum items 1.a.(1) through 1.f)1 ......................................... HK26 2. Loans to finance commercial real estate, construction, and land development activities (not secured by real estate) included in Schedule RC-N, items 4 and 7, above .......... 6558 3. Loans secured by real estate to non-U.S. addressees (domicile) (included in Schedule RC-N, item 1, above) ................................ 1248 4. Not applicable 5. Loans and leases held for sale (included in Schedule RC-N, items 1 through 8, above) .... C240 Amount (Column B) Past due 90 days or more and still accruing RCFD RCFD Amount 3529 M.1.g. 6559 6560 M.2. 1249 1250 M.3. C241 C226 M.5. (Column B) Past due 90 days or more RCFD Amount 3530 M.6. RCFD 7. Additions to nonaccrual assets during the previous six months .......................................... 8. Nonaccrual assets sold during the previous six months .................................................... (Column A) Past due 30 through 89 days and still accruing Amount Amount HK28 Memorandum items 7 and 8 are to be completed semiannually in the June and December reports only. Dollar Amounts in Thousands RCFD 9. Loans to nondepository financial institutions included in Schedule RC-N, item 7............... PV23 RCFD HK27 (Column A) Past due 30 through 89 days Dollar Amounts in Thousands 6. Derivative contracts: Fair value of amounts carried as assets ........ Amount (Column C) Nonaccrual (Column B) Past due 90 days or more and still accruing RCFD PV24 Amount Amount C410 C411 M.7. M.8. (Column C) Nonaccrual RCFD Amount PV25 M.9. 1. Exclude amounts reported in Memorandum items 1.f.(1) through 1.f.(4) when calculating the total in Memorandum item 1.g. 12/2024 FFIEC 031 Page 51 of 88 RC-36 Schedule RC-O—Other Data for Deposit Insurance Assessments All FDIC-insured depository institutions must complete items 1 through 9, 10, and 11, Memorandum item 1, and, if applicable, item 9.a, Memorandum items 2 through 18 each quarter. Unless otherwise indicated, complete items 1 through 11 and Memorandum items 1 through 4 on an “unconsolidated single FDIC certificate number basis” (see instructions) and complete Memorandum items 5 through 18 on a fully consolidated basis. Dollar Amounts in Thousands RCFD 1. Total deposit liabilities before exclusions (gross) as defined in Section 3(l) of the Federal Deposit Insurance Act and FDIC regulations ........................................................................ F236 2. Total allowable exclusions, including interest accrued and unpaid on allowable exclusions (including foreign deposits)............................................................................................... F237 RCFN 3. Total foreign deposits, including interest accrued and unpaid thereon (included in item 2 above) ................................................................................................ F234 Amount 1. 2. 3. RCFD 4. Average consolidated total assets for the calendar quarter...................................................... Number a. Averaging method used (for daily averaging, enter 1, for weekly averaging, enter 2) .................. K653 K652 4. 4.a. Amount 5. Average tangible equity for the calendar quarter1 .................................................................. 6. Holdings of long-term unsecured debt issued by other FDIC-insured depository institutions ........... 7. Unsecured "Other borrowings" with a remaining maturity of (sum of items 7.a through 7.d must be less than or equal to Schedule RC-M, items 5.b.(1)(a)-(d) minus item 10.b): a. One year or less ......................................................................................................... b. Over one year through three years ................................................................................. c. Over three years through five years ................................................................................ d. Over five years ........................................................................................................... 8. Subordinated notes and debentures with a remaining maturity of (sum of items 8.a through 8.d must equal Schedule RC, item 19): a. One year or less ......................................................................................................... b. Over one year through three years ................................................................................. c. Over three years through five years ................................................................................ d. Over five years ........................................................................................................... K654 5. 6. K655 G465 G466 7.a. 7.b. 7.c. 7.d. G467 G468 G469 G470 8.a. 8.b. 8.c. 8.d. G471 G472 RCON 9. Brokered reciprocal deposits (included in Schedule RC-E, Part I, Memorandum item 1.b) ............. G803 9. Item 9.a is to be completed on a fully consolidated basis by all institutions that own another insured depository institution. a. Fully consolidated brokered reciprocal deposits................................................................. 10. Banker's bank certification: Does the reporting institution meet both the statutory definition of a banker's bank and the business conduct test set forth in FDIC regulations?.............................................................. L190 RCFD 9.a. Yes 10. If the answer to item 10 is "YES," complete items 10.a and 10.b. Amount a. Banker's bank deduction .............................................................................................. b. Banker's bank deduction limit ........................................................................................ 11. Custodial bank certification: Does the reporting institution meet the definition of a custodial bank set forth in FDIC regulations?... If the answer to item 11 is "YES," complete items 11.a and 11.b. No K656 K657 Yes No K659 2 a. Custodial bank deduction ............................................................................................. b. Custodial bank deduction limit ....................................................................................... 10.a. 10.b. K658 11. Amount K660 K661 11.a. 11.b. 1. See instructions for averaging methods. For deposit insurance assessment purposes, tangible equity is defined as Tier 1 capital as set forth in the banking agencies' regulatory capital standards and reported in Schedule RC-R, Part I, item 26, except as described in the instructions. 2. If the amount reported in item 11.b is zero, item 11.a may be left blank. 06/2021 FFIEC 031 Page 52 of 88 RC-37 Schedule RC-O—Continued Memoranda Dollar Amounts in Thousands RCON 1. Total deposit liabilities of the bank, including related interest accrued and unpaid, less allowable exclusions, including related interest accrued and unpaid (sum of Memorandum items 1.a.(1), 1.b.(1), 1.c.(1), and 1.d.(1) must equal Schedule RC-O, item 1 less item 2): a. Deposit accounts (excluding retirement accounts) of $250,000 or less:1 (1) Amount of deposit accounts (excluding retirement accounts) of $250,000 or less............ F049 Number (2) Number of deposit accounts (excluding retirement accounts) of $250,000 or less .............................................................. F050 b. Deposit accounts (excluding retirement accounts) of more than $250,000:1 (1) Amount of deposit accounts (excluding retirement accounts) of more than $250,000 ....... F051 Number (2) Number of deposit accounts (excluding retirement accounts) of more than $250,000 ......................................................... F052 c. Retirement deposit accounts of $250,000 or less:1 (1) Amount of retirement deposit accounts of $250,000 or less ....................................... F045 Amount M.1.a.(1) M.1.a.(2) M.1.b.(1) M.1.b.(2) M.1.c.(1) Number (2) Number of retirement deposit accounts of $250,000 or less.......... F046 d. Retirement deposit accounts of more than $250,000:1 (1) Amount of retirement deposit accounts of more than $250,000 .................................. F047 M.1.c.(2) M.1.d.(1) Number (2) Number of retirement deposit accounts of more than $250,000 .... F048 M.1.d.(2) Memorandum item 2 is to be completed by banks with $1 billion or more in total assets.2 2. Estimated amount of uninsured deposits in domestic offices of the bank and in insured branches in Puerto Rico and U.S. territories and possessions, including related interest accrued and unpaid (see instructions)3 .......................................................................... 5597 3. Has the reporting institution been consolidated with a parent bank or savings association in that parent bank's or parent savings association's Call Report? If so, report the legal title and FDIC Certificate Number of the parent bank or parent RCON savings association: TEXT A545 A545 M.2. FDIC Cert. No. M.3. RCFN 4. Dually payable deposits in the reporting institution's foreign branches .................................. GW43 M.4. 1. The dollar amounts used as the basis for reporting in Memorandum items 1.a through 1.d reflect the deposit insurance limits in effect on the report date. 2. The $1 billion asset-size test is based on the total assets reported on the June 30, 2024, Report of Condition. 3. Uninsured deposits should be estimated based on the deposit insurance limits set forth in Memorandum items 1.a through 1.d. 03/2025 FFIEC 031 Page 53 of 88 RC-38 Schedule RC-O—Continued Amounts reported in Memorandum items 6 through 9, 14, and 15 will not be made available to the public on an individual institution basis. Memoranda—Continued Dollar Amounts in Thousands Memorandum items 5 through 12 are to be completed by "large institutions" and "highly complex institutions" as defined in FDIC regulations. 5. Applicable portion of the CECL transitional amount or modified CECL transitional amount that has been added to retained earnings for regulatory capital purposes as of the current report date and is attributable to loans and leases held for investment ........................................... 6. Criticized and classified items: a. Special mention ...................................................................................................... b. Substandard .......................................................................................................... c. Doubtful ................................................................................................................ d. Loss ..................................................................................................................... 7. “Nontraditional 1– 4 family residential mortgage loans” as defined for assessment purposes only in FDIC regulations: a. Nontraditional 1 -4 family residential mortgage loans ...................................................... b. Securitizations of nontraditional 1 -4 family residential mortgage loans............................... 8. “Higher-risk consumer loans” as defined for assessment purposes only in FDIC regulations: a. Higher-risk consumer loans ...................................................................................... b. Securitizations of higher-risk consumer loans ............................................................... 9. “Higher-risk commercial and industrial loans and securities” as defined for assessment purposes only in FDIC regulations: a. Higher-risk commercial and industrial loans and securities .............................................. b. Securitizations of higher-risk commercial and industrial loans and securities ....................... 10. Commitments to fund construction, land development, and other land loans secured by real estate for the consolidated bank: a. Total unfunded commitments .................................................................................... b. Portion of unfunded commitments guaranteed or insured by the U.S. government (including the FDIC) ................................................................................................ 11. Amount of other real estate owned recoverable from the U.S. government under guarantee or insurance provisions (excluding FDIC loss-sharing agreements).......................................... 12. Nonbrokered time deposits of more than $250,000 in domestic offices (included in Schedule RC-E, Part I, Memorandum item 2.d) ............................................................................. RCFD Amount MW53 M.5. K663 K664 K665 K666 M.6.a. M.6.b. M.6.c. M.6.d. N025 N026 M.7.a. M.7.b. N027 N028 M.8.a. M.8.b. N029 N030 M.9.a. M.9.b. K676 M.10.a. K677 M.10.b. K669 RCON K678 M.11. M.12. Memorandum item 13.a is to be completed by "large institutions" and "highly complex institutions" as defined in FDIC regulations. Memorandum items 13.b through 13.h are to be completed by "large institutions" only. 13. Portion of funded loans and securities in domestic and foreign offices guaranteed or insured by the U.S. government (including FDIC loss-sharing agreements): a. Construction, land development, and other land loans secured by real estate...................... b. Loans secured by multifamily residential and nonfarm nonresidential properties................... c. Closed-end loans secured by first liens on 1– 4 family residential properties ........................ d. Closed-end loans secured by junior liens on 1– 4 family residential properties and revolving, open-end loans secured by 1– 4 family residential properties and extended under lines of credit ................................................................................................. e. Commercial and industrial loans ................................................................................ f. Credit card loans to individuals for household, family, and other personal expenditures ............... g. All other loans to individuals for household, family, and other personal expenditures............. h. Non-agency residential mortgage-backed securities ....................................................... RCFD N177 N178 N179 M.13.a. M.13.b. M.13.c. N180 N181 N182 N183 M963 M.13.d. M.13.e. M.13.f. M.13.g. M.13.h. K673 M.14. M.15. Memorandum items 14 and 15 are to be completed by "highly complex institutions" as defined in FDIC regulations. 14. Amount of the institution's largest counterparty exposure.................................................... 15. Total amount of the institution's 20 largest counterparty exposures ....................................... K674 06/2021 FFIEC 031 Page 54 of 88 RC-39 Schedule RC-O—Continued Memoranda—Continued Dollar Amounts in Thousands RCFD Amount Memorandum item 16 is to be completed by “large institutions” and “highly complex institutions” as defined in FDIC regulations. 16. Portion of loan modifications to borrowers experiencing financial difficulty that are in compliance with their modified terms and are guaranteed or insured by the U.S. government (including the FDIC) (included in Schedule RC-C, Part I, Memorandum item 1) ...................... L189 M.16. L194 M.17.a. L195 L196 M.17.b. M.17.c. Memorandum item 17 is to be completed on a fully consolidated basis by those “large institutions” and “highly complex institutions” as defined in FDIC regulations that own another insured depository institution. 17. Selected fully consolidated data for deposit insurance assessment purposes: a. Total deposit liabilities before exclusions (gross) as defined in Section 3(l) of the Federal Deposit Insurance Act and FDIC regulations................................................................. b. Total allowable exclusions, including interest accrued and unpaid on allowable exclusions (including foreign deposits)......................................................................................... c. Unsecured “Other borrowings” with a remaining maturity of one year or less ....................... d. Estimated amount of uninsured deposits in domestic offices of the institution and in insured branches in Puerto Rico and U.S. territories and possessions, including related interest accrued and unpaid ................................................................................................ RCON L197 M.17.d. 06/2024 FFIEC 031 Page 55 of 88 RC-40 Schedule RC-O—Continued Memorandum item 18 is to be completed by “large institutions” and “highly complex institutions” as defined in FDIC regulations. Amounts reported in Memorandum item 18 will not be made available to the public on an individual institution basis. Two-Year Probability of Default (PD) Dollar Amounts in Thousands 18. Outstanding balance of 1–4 family residential mortgage loans, consumer loans, and consumer leases by twoyear probability of default: a. “Nontraditional 1– 4 family residential mortgage loans” as defined for assessment purposes only in FDIC regulations .............. b. Closed-end loans secured by first liens on 1– 4 family residential properties .................. c. Closed-end loans secured by junior liens on 1– 4 family residential properties .................. d. Revolving, open-end loans secured by 1–4 family residential properties and extended under lines of credit .......... e. Credit cards .............................. (Column A) (Column B) (Column C) (Column D) (Column E) (Column F) (Column G) (Column H) 1% 1.01– 4% 4.01–7% 7.01–10% 10.01–14% 14.01–16% 16.01–18% 18.01–20% Amount Amount Amount Amount Amount Amount Amount Amount RCFD M964 RCFD M965 RCFD M966 RCFD M967 RCFD M968 RCFD M969 RCFD M970 RCFD M971 M.18.a. RCFD M979 RCFD M980 RCFD M981 RCFD M982 RCFD M983 RCFD M984 RCFD M985 RCFD M986 M.18.b. RCFD M994 RCFD M995 RCFD M996 RCFD M997 RCFD M998 RCFD M999 RCFD N001 RCFD N002 M.18.c. RCFD N010 RCFD N011 RCFD N012 RCFD N013 RCFD N014 RCFD N015 RCFD N016 RCFD N017 RCFD N040 RCFD N041 RCFD N042 RCFD N043 RCFD N044 RCFD N045 RCFD N046 RCFD N047 RCFD N055 RCFD N056 RCFD N057 RCFD N058 RCFD N059 RCFD N060 RCFD N061 RCFD N062 RCFD N070 RCFD N071 RCFD N072 RCFD N073 RCFD N074 RCFD N075 RCFD N076 RCFD N077 M.18.d. M.18.e. M.18.f. f. Automobile loans ....................... g. Student loans ............................ h. Other consumer loans and revolving credit plans other than credit cards ........................ M.18.g. RCFD N085 RCFD N086 RCFD N087 RCFD N088 RCFD N089 RCFD N090 RCFD N091 RCFD N092 RCFD N100 RCFD N101 RCFD N102 RCFD N103 RCFD N104 RCFD N105 RCFD N106 RCFD N107 RCFD N115 RCFD N116 RCFD N117 RCFD N118 RCFD N119 RCFD N120 RCFD N121 RCFD N122 M.18.h. M.18.i. i. Consumer leases ....................... j. Total........................................ M.18.j. 03/2014 FFIEC 031 Page 56 of 88 RC-41 Schedule RC-O—Continued Memorandum item 18 is to be completed by “large institutions” and “highly complex institutions” as defined in FDIC regulations. Amounts reported in Memorandum item 18 will not be made available to the public on an individual institution basis. (Column I) (Column J) (Column K) (Column L) (Column M) 20.01–22% 22.01–26% 26.01–30% > 30% Unscoreable Total (Column O) PDs Were Derived Using1 Amount Amount Amount Amount Amount Amount Number RCFD M972 RCFD M973 RCFD M974 RCFD M975 RCFD M976 RCFD M977 RCFD M978 Two-Year Probability of Default (PD) Dollar Amounts in Thousands 18. Outstanding balance of 1–4 family residential mortgage loans, consumer loans, and consumer leases by twoyear probability of default: a. “Nontraditional 1– 4 family residential mortgage loans” as defined for assessment purposes only in FDIC regulations .................................... b. Closed-end loans secured by first liens on 1– 4 family residential properties ........................................ c. Closed-end loans secured by junior liens on 1– 4 family residential properties ........................................ d. Revolving, open-end loans secured by 1–4 family residential properties and extended under lines of credit ................................ (Column N) M.18.a. RCFD M987 RCFD M988 RCFD M989 RCFD M990 RCFD M991 RCFD M992 RCFD M993 M.18.b. RCFD N003 RCFD N004 RCFD N005 RCFD N006 RCFD N007 RCFD N008 RCFD N009 M.18.c. RCFD N018 RCFD N019 RCFD N020 RCFD N021 RCFD N022 RCFD N023 RCFD N024 RCFD N048 RCFD N049 RCFD N050 RCFD N051 RCFD N052 RCFD N053 RCFD N054 RCFD N063 RCFD N064 RCFD N065 RCFD N066 RCFD N067 RCFD N068 RCFD N069 RCFD N078 RCFD N079 RCFD N080 RCFD N081 RCFD N082 RCFD N083 RCFD N084 M.18.d. e. Credit cards .................................................... M.18.e. f. Automobile loans ............................................. g. Student loans .................................................. h. Other consumer loans and revolving credit plans other than credit cards .............................................. M.18.f. M.18.g. RCFD N093 RCFD N094 RCFD N095 RCFD N096 RCFD N097 RCFD N098 RCFD N099 RCFD N108 RCFD N109 RCFD N110 RCFD N111 RCFD N112 RCFD N113 RCFD N114 RCFD N123 RCFD N124 RCFD N125 RCFD N126 RCFD N127 RCFD N128 M.18.h. M.18.i. i. Consumer leases ............................................. j. Total.............................................................. 1. For PDs derived using scores and default rate mappings provided by a third-party vendor, enter 1; for PDs derived using an internal approach, enter 2; for PDs derived using third-party vendor mappings for some loans within a product type and an internal approach for other loans within the same product type, enter 3. If the total reported in Column N for a product type is zero, enter 0. M.18.j. 03/2014 FFIEC 031 Page 57 of 88 RC-42 Schedule RC-P—1–4 Family Residential Mortgage Banking Activities in Domestic Offices Schedule RC-P is to be completed by banks at which either 1– 4 family residential mortgage loan originations and purchases for resale1 from all sources, loan sales, or quarter-end loans held for sale or trading in domestic offices exceed $10 million for two consecutive quarters. Dollar Amounts in Thousands 1. Retail originations during the quarter of 1– 4 family residential mortgage loans for sale1 . . . . . . . . . . . . . . 2. Wholesale originations and purchases during the quarter of 1– 4 family residential mortgage loans for sale1 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3. 1–4 family residential mortgage loans sold during the quarter ............................................... 4. 1–4 family residential mortgage loans held for sale or trading at quarter-end (included in Schedule RC, items 4.a and 5) ....................................................................... 5. Noninterest income for the quarter from the sale, securitization, and servicing of 1– 4 family residential mortgage loans (included in Schedule RI, items 5.c, 5.f, 5.g, and 5.i)........................ RCON Amount HT81 1. HT82 FT04 2. 3. FT05 RIAD HT85 4. 5. RCON 6. Repurchases and indemnifications of 1– 4 family residential mortgage loans during the quarter.... HT86 7. Representation and warranty reserves for 1– 4 family residential mortgage loans sold: a. For representations and warranties made to U.S. government agencies and government-sponsored agencies ................................................................................. L191 b. For representations and warranties made to other parties ................................................. L192 c. Total representation and warranty reserves (sum of items 7.a and 7.b) ................................ M288 6. 7.a. 7.b. 7.c. 1. Exclude originations and purchases of 1– 4 family residential mortgage loans that are held for investment. 03/2019 FFIEC 031 Page 58 of 88 RC-43 Schedule RC-Q—Assets and Liabilities Measured at Fair Value on a Recurring Basis Schedule RC-Q is to be completed by banks that: (1) Have elected to report financial instruments or servicing assets and liabilities at fair value under a fair value option with changes in fair value recognized in earnings, or (2) Are required to complete Schedule RC-D, Trading Assets and Liabilities. (Column A) Total Fair Value Reported on Schedule RC Dollar Amounts in Thousands Assets 1. Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading1 ..................................... 2. Federal funds sold and securities purchased under agreements to resell ......................... 3. Loans and leases held for sale .................... 4. Loans and leases held for investment ........... 5. Trading assets: a. Derivative assets .................................. b. Other trading assets .............................. (1) Nontrading securities at fair value with changes in fair value reported in current earnings (included in Schedule RC-Q, item 5.b above) ......... 6. All other assets ........................................ 7. Total assets measured at fair value on a recurring basis (sum of items 1 through 5.b plus item 6) ............................................. RCFD Amount (Column B) LESS: Amounts Netted in the Determination of Total Fair Value RCFD Amount (Column C) Level 1 Fair Value Measurements RCFD Amount (Column D) Level 2 Fair Value Measurements RCFD Amount (Column E) Level 3 Fair Value Measurements RCFD Amount JA36 G474 G475 G476 G477 1. G478 G483 G488 G479 G484 G489 G480 G485 G490 G481 G486 G491 G482 G487 G492 2. 3. 4. 3543 G497 G493 G498 G494 G499 G495 G500 G496 G501 5.a. 5.b. F240 G391 F684 G392 F692 G395 F241 G396 F242 G804 5.b.(1) 6. G502 G503 G504 G505 G506 7. 1. The amount reported in item 1, column A, must equal the sum of Schedule RC, items 2.b and 2.c. 12/2020 FFIEC 031 Page 59 of 88 RC-44 Schedule RC-Q—Continued (Column A) Total Fair Value Reported on Schedule RC Dollar Amounts in Thousands Liabilities 8. Deposits .................................................. 9. Federal funds purchased and securities sold under agreements to repurchase .................. 10. Trading liabilities: a. Derivative liabilities................................. b. Other trading liabilities ............................ 11. Other borrowed money ............................... 12. Subordinated notes and debentures .............. 13. All other liabilities ...................................... 14. Total liabilities measured at fair value on a recurring basis (sum of items 8 through 13) .... Memoranda 1. All other assets (itemize and describe amounts included in Schedule RC-Q, item 6, that are greater than $100,000 and exceed 25 percent of item 6): a. Mortgage servicing assets ......................... b. Nontrading derivative assets ...................... TEXT c. G546 TEXT d. G551 TEXT e. G556 TEXT f. G561 2. All other liabilities (itemize and describe amounts included in Schedule RC-Q, item 13, that are greater than $100,000 and exceed 25 percent of item 13): a. Loan commitments (not accounted for as derivatives) ............... b. Nontrading derivative liabilities ................... TEXT c. G571 TEXT d. G576 TEXT e. G581 TEXT f. G586 RCFD Amount (Column B) LESS: Amounts Netted in the Determination of Total Fair Value RCFD Amount (Column C) Level 1 Fair Value Measurements RCFD Amount (Column D) Level 2 Fair Value Measurements RCFD Amount (Column E) Level 3 Fair Value Measurements RCFD Amount F252 F686 F694 F253 F254 8. G507 G508 G509 G510 G511 9. 3547 G512 G513 G514 G515 G516 G521 G526 G517 G522 G527 G518 G523 G528 G519 G524 G529 G520 G525 G530 G805 G806 G807 G808 G809 10.a. 10.b. 11. 12. 13. G531 G532 G533 G534 G535 14. G536 G541 G537 G542 G538 G543 G539 G544 G540 G545 G546 G547 G548 G549 G550 G551 G556 G552 G557 G553 G558 G554 G559 G555 G560 G561 G562 G563 G564 G565 M.1.a. M.1.b. M.1.c. M.1.d. M.1.e. M.1. f. F261 F689 F697 F262 F263 G566 G571 G567 G572 G568 G573 G569 G574 G570 G575 G576 G577 G578 G579 G580 G581 G586 G582 G587 G583 G588 G584 G589 G585 G590 M.2.a. M.2.b. M.2.c. M.2.d. M.2.e. M.2. f. 03/2018 FFIEC 031 Page 60 of 88 RC-45 Schedule RC-Q—Continued Memoranda—Continued Consolidated Bank Dollar Amounts in Thousands 3. Loans measured at fair value (included in Schedule RC-C, Part I, items 1 through 9): a. Loans secured by real estate: (1) Secured by 1–4 family residential properties ...................................................... (2) All other loans secured by real estate ................................................................ b. Commercial and industrial loans ........................................................................... c. Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans) (includes purchased paper) .................................................... d. Other loans ..................................................................................................... 4. Unpaid principal balance of loans measured at fair value (reported in Schedule RC-Q, Memorandum item 3): a. Loans secured by real estate: (1) Secured by 1–4 family residential properties ...................................................... (2) All other loans secured by real estate ................................................................ b. Commercial and industrial loans ........................................................................... c. Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans) (includes purchased paper) .................................................... d. Other loans ..................................................................................................... RCFD HT87 Amount HT88 F585 M.3.a.(1) M.3.a.(2) M.3.b. HT89 F589 M.3.c. M.3.d. HT91 HT92 F597 M.4.a.(1) M.4.a.(2) M.4.b. HT93 F601 M.4.c. M.4.d. 06/2018 FFIEC 031 Page 61 of 88 RC-46 Schedule RC-R—Regulatory Capital Part I. Regulatory Capital Components and Ratios Part I is to be completed on a consolidated basis. Dollar Amounts in Thousands Amount RCFA Common Equity Tier 1 Capital 1. Common stock plus related surplus, net of treasury stock and unearned employee stock ownership plan (ESOP) shares................................................................................ P742 2. Retained earnings1 ....................................................................................................... KW00 1. 2. a. Does your institution have a CECL transition election in effect as of the quarter-end report date? RCOA (enter "0" for No; enter "1" for Yes with a 3-year CECL transition election; enter "2" for Yes with a 5-year 2020 CECL transition election.) .......................................................... JJ29 Amount RCFA 3. Accumulated other comprehensive income (AOCI) .............................................................. B530 a. AOCI opt-out election (enter “1” for Yes; enter “0” for No.) (Advanced approaches institutions must enter “0” for No.) ........................................................ 3. 0=No RCOA 1=Yes P838 RCFA 4. Common equity tier 1 minority interest includable in common equity tier 1 capital ...................... P839 5. Common equity tier 1 capital before adjustments and deductions (sum of items 1 through 4) ....... P840 Common Equity Tier 1 Capital: Adjustments and Deductions 6. LESS: Goodwill net of associated deferred tax liabilities (DTLs) ............................................. 7. LESS: Intangible assets (other than goodwill and mortgage servicing assets (MSAs)), net of associated DTLs .......................................................................................................... 8. LESS: Deferred tax assets (DTAs) that arise from net operating loss and tax credit carryforwards, net of any related valuation allowances and net of DTLs ................................... 9. AOCI-related adjustments (if entered “1” for Yes in item 3.a, complete only items 9.a through 9.e; if entered “0” for No in item 3.a, complete only item 9.f): a. LESS: Net unrealized gains (losses) on available-for-sale debt securities (if a gain, report as a positive value; if a loss, report as a negative value) ....................................................... b. Not applicable c. LESS: Accumulated net gains (losses) on cash flow hedges (if a gain, report as a positive value; if a loss, report as a negative value) .................................................................... d. LESS: Amounts recorded in AOCI attributed to defined benefit postretirement plans resulting from the initial and subsequent application of the relevant GAAP standards that pertain to such plans (if a gain, report as a positive value; if a loss, report as a negative value) ... e. LESS: Net unrealized gains (losses) on held-to-maturity securities that are included in AOCI (if a gain, report as a positive value; if a loss, report as a negative value)..................... f. To be completed only by institutions that entered “0” for No in item 3.a: LESS: Accumulated net gain (loss) on cash flow hedges included in AOCI, net of applicable income taxes, that relates to the hedging of items that are not recognized at fair value on the balance sheet (if a gain, report as a positive value; if a loss, report as a negative value) ......... 2.a. 3.a. Amount 4. 5. P841 6. P842 7. P843 8. P844 9.a. P846 9.c. P847 9.d. P848 9.e. P849 9.f. 1. Institutions that have elected to apply the 3-year or the 5-year 2020 CECL transition provision should include the applicable portion of the CECL transitional amount or the modified CECL transitional amount, respectively, in this item. 03/2024 FFIEC 031 Page 62 of 88 RC-47 Schedule RC-R—Continued Part I—Continued Dollar Amounts in Thousands RCFA 10. Other deductions from (additions to) common equity tier 1 capital before threshold-based deductions: a. LESS: Unrealized net gain (loss) related to changes in the fair value of liabilities that are due to changes in own credit risk (if a gain, report as a positive value; if a loss, report as a negative value) ........................................................................................................ Q258 b. LESS: All other deductions from (additions to) common equity tier 1 capital before thresholdbased deductions ..................................................................................................... P850 (Column A) Non-advanced Approaches Institutions1 Dollar Amounts in Thousands 11. LESS: Non-significant investments in the capital of unconsolidated financial institutions in the form of common stock that exceed the 10 percent threshold for non-significant investments .......................................... 12. Subtotal (for column A, item 5 minus items 6 through 10.b; for column B, item 5 minus items 6 through 11)...................................... 13. a. LESS: Investments in the capital of unconsolidated financial institutions, net of associated DTLs, that exceed 25 percent of item 12 ................. b. LESS: Significant investments in the capital of unconsolidated financial institutions in the form of common stock, net of associated DTLs, that exceed the 10 percent common equity tier 1 capital deduction threshold ................................................................. 14. a. LESS: MSAs, net of associated DTLs, that exceed 25 percent of item 12.................................................................................. b. LESS: MSAs, net of associated DTLs, that exceed the 10 percent common equity tier 1 capital deduction threshold .......................... 15. a. LESS: DTAs arising from temporary differences that could not be realized through net operating loss carrybacks, net of related valuation allowances and net of DTLs, that exceed 25 percent of item 12 ............ b. LESS: DTAs arising from temporary differences that could not be realized through net operating loss carrybacks, net of related valuation allowances and net of DTLs, that exceed the 10 percent common equity tier 1 capital deduction threshold ....................................... 16. LESS: Amount of significant investments in the capital of unconsolidated financial institutions in the form of common stock, net of associated DTLs; MSAs, net of associated DTLs; and DTAs arising from temporary differences that could not be realized through net operating loss carrybacks, net of related valuation allowances and net of DTLs; that exceeds the 15 percent common equity tier 1 capital deduction threshold .................... 17. LESS: Deductions applied to common equity tier 1 capital due to insufficient amounts of additional tier 1 capital and tier 2 capital2 to cover deductions... 18. Total adjustments and deductions for common equity tier 1 capital3 ........ 19. Common equity tier 1 capital (item 12 minus item 18) .......................... RCFA P852 Amount Amount 10.a. 10.b. (Column B) Advanced Approaches Institutions1 RCFW Amount P851 11. P852 12. 13.a. LB58 P853 14.a. LB59 P854 14.b. 15.a. LB60 P857 P858 P859 13.b. P855 15.b. P856 16. P857 P858 P859 17. 18. 19. 1. All non-advanced approaches institutions should complete column A for items 11-19; all advanced approaches institutions should complete column B for items 11-19. 2. An institution that has a CBLR framework election in effect as of the quarter-end report date is neither required to calculate tier 2 capital nor make any deductions that would have been taken from tier 2 capital as of the report date. 3. All non-advanced approaches institutions should report in item 18, column A, the sum of items 13.a, 14.a, 15.a, and 17, column A; all advanced approaches institutions should report in item 18, column B, the sum of items 13.b, 14.b, 15.b, 16, and 17, column B. 09/2020 FFIEC 031 Page 63 of 88 RC-48 Schedule RC-R—Continued Part I—Continued Dollar Amounts in Thousands Additional Tier 1 Capital 20. Additional tier 1 capital instruments plus related surplus ........................................................ 21. Non-qualifying capital instruments subject to phase-out from additional tier 1 capital................... 22. Tier 1 minority interest not included in common equity tier 1 capital ......................................... 23. Additional tier 1 capital before deductions (sum of items 20, 21, and 22)................................... 24. LESS: Additional tier 1 capital deductions .......................................................................... 25. Additional tier 1 capital (greater of item 23 minus item 24, or zero) .......................................... RCFA Amount P860 P861 P862 P863 P864 P865 20. 21. 22. 23. 24. 25. Tier 1 Capital 26. Tier 1 capital1 ............................................................................................................... 8274 26. Total Assets for the Leverage Ratio 27. Average total consolidated assets2 ................................................................................... 28. LESS: Deductions from common equity tier 1 capital and additional tier 1 capital 3 ...................... 29. LESS: Other deductions from (additions to) assets for leverage ratio purposes ......................... 30. Total assets for the leverage ratio (item 27 minus items 28 and 29) ........................................ 27. 28. 29. 30. Leverage Ratio* 31. Leverage ratio (item 26 divided by item 30) ....................................................................... KW03 P875 B596 A224 RCFA Percentage 7204 a. Does your institution have a community bank leverage ratio (CBLR) framework election in effect as of the quarter-end report date? (enter "1" for Yes; enter "0" for No) ............................................ 31. 0=No RCOA 1=Yes LE74 31.a. If your institution entered “1” for Yes in item 31.a: • Complete items 32 through 37 and, if applicable, items 38.a through 38.c, • Do not complete items 39 through 55.b, and • Do not complete Part II of Schedule RC-R. If your institution entered “0” for No in item 31.a: • Skip (do not complete) items 32 through 38.c, • Complete items 39 through 55.b, as applicable, and • Complete Part II of Schedule RC-R. Item 31.b is to be completed only by non-advanced approaches institutions that elect to use the Standardized Approach for Counterparty Credit Risk (SA-CCR) for purposes of the standardized approach and supplementary leverage ratio. b. Standardized Approach for Counterparty Credit Risk opt-in election (enter "1" for Yes; leave blank for No) .................................................................................. RCOA 1=Yes NC99 31.b. * Report each ratio as a percentage, rounded to four decimal places, e.g., 12.3456. 1. All non-advanced approaches institutions should report the sum of item 19, column A, and item 25 in item 26; all advanced approaches institutions should report the sum of item 19, column B, and item 25 in item 26. 2. Institutions that have elected to apply the 3-year or the 5-year 2020 CECL transition provision should include the applicable portion of the CECL transitional amount or the modified CECL transitional amount, respectively, in item 27. 3. All non͈ advanced approaches institutions should report in item 28 the sum of items 6, 7, 8, 10.b, 13.a, 14.a, 15.a, 17 (column A), and certain elements of item 24 - see instructions; all advanced approaches institutions should report in item 28, the sum of items 6, 7, 8, 10.b, 11, 13.b, 14.b, 15.b, 16, 17 (column B), and certain elements of item 24 - see instructions. 03/2024 FFIEC 031 Page 64 of 88 RC-49 Schedule RC-R—Continued Part I—Continued Qualifying Criteria and Other Information for CBLR Institutions* (Column A) Dollar Amounts in Thousands 32. Total assets (Schedule RC, item 12); (must be less than $10 billion)........ 33. Trading assets and trading liabilities (Schedule RC, sum of items 5 and 15). Report as a dollar amount in column A and as a percentage of total assets (5% limit) in column B.......................................................... 34. Off-balance sheet exposures: a. Unused portion of conditionally cancellable commitments ................ b. Securities lent and borrowed (Schedule RC-L, sum of items 6.a and 6.b) ........................................................................... c. Other off-balance sheet exposures ............................................. d. Total off-balance sheet exposures (sum of items 34.a through 34.c). Report as a dollar amount in column A and as a percentage of total assets (25% limit) in column B. ........................ RCFA Amount (Column B) RCFA Percentage 2170 KX77 32. KX78 33. KX79 34.a. KX80 KX81 34.b. 34.c. KX82 KX83 Dollar Amounts in Thousands RCFA 35. Unconditionally cancellable commitments ......................................................................... S540 36. Investments in the tier 2 capital of unconsolidated financial institutions.................................... LB61 37. Allocated transfer risk reserve......................................................................................... 3128 38. Amount of allowances for credit losses on purchased credit-deteriorated assets: a. Loans and leases held for investment .......................................................................... JJ30 b. Held-to-maturity debt securities .................................................................................. JJ31 c. Other financial assets measured at amortized cost ......................................................... JJ32 34.d. Amount 35. 36. 37. 38.a. 38.b. 38.c. If your institution entered “0” for No in item 31.a, complete items 39 through 55.b, as applicable, and Part II of Schedule RC-R. If your institution entered “1” for Yes in item 31.a, do not complete items 39 through 55.b or Part II of Schedule RC-R. Dollar Amounts in Thousands Tier 2 Capital1 39. Tier 2 capital instruments plus related surplus .................................................................... 40. Non-qualifying capital instruments subject to phase-out from tier 2 capital................................ 41. Total capital minority interest that is not included in tier 1 capital ............................................ 42. a. Adjusted allowances for credit losses (AACL) includable in tier 2 capital 2 ............................. b. (Advanced approaches institutions that exit parallel run only): Eligible credit reserves includable in tier 2 capital .......................................................................................... 43. Not applicable 44. a. Tier 2 capital before deductions (sum of items 39 through 42.a)......................................... b. (Advanced approaches institutions that exit parallel run only): Tier 2 capital before deductions (sum of items 39 through 41, plus item 42.b) ................................................................. RCFA Amount P866 P867 P868 5310 39. 40. 41. 42.a. RCFW 5310 42.b. RCFA P870 44.a. RCFW P870 44.b. * Report each ratio as a percentage, rounded to four decimal places, e.g., 12.3456. 1. An institution that has a CBLR election in effect as of the quarter-end report date is neither required to calculate tier 2 capital nor make any deductions that would have been taken from tier 2 capital as of the report date. 2. Institutions that have elected to apply the 3-year or the 5-year 2020 CECL transition provision should subtract the applicable portion of the AACL transitional amount or the modified AACL transitional amount, respectively, from the AACL, as defined in the regulatory capital rule, before determining the amount of AACL includable in tier 2 capital. See instructions for further detail on the CECL transition provisions. 03/2024 FFIEC 031 Page 65 of 88 RC-50 Schedule RC-R—Continued Part I—Continued Dollar Amounts in Thousands 45. LESS: Tier 2 capital deductions........................................................................................ 46. a. Tier 2 capital (greater of item 44.a minus item 45, or zero).................................................. b. (Advanced approaches institutions that exit parallel run only): Tier 2 capital (greater of item 44.b minus item 45, or zero) ......................................................................................... Total Capital 47. a. Total capital (sum of items 26 and 46.a) ......................................................................... b. (Advanced approaches institutions that exit parallel run only): Total capital (sum of items 26 and 46.b) .................................................................................................. RCFA Amount P872 5311 45 46.a. RCFW 5311 46.b. RCFA 3792 47.a. RCFW 3792 47.b. RCFA Total Risk-Weighted Assets 48. a. Total risk-weighted assets (from Schedule RC-R, Part II, item 31)........................................ A223 b. (Advanced approaches institutions that exit parallel run only): Total risk-weighted assets using RCFW advanced approaches rule (from FFIEC 101 Schedule A, item 60) ....................................... A223 Risk-Based Capital Ratios* 49. Common equity tier 1 capital ratio (Column A: item 19, column A or B, as applicable, divided by item 48.a) (Advanced approaches institutions that exit parallel run only: Column B: item 19, column B, divided by item 48.b).. 50. Tier 1 capital ratio (Column A: item 26 divided by item 48.a) (Advanced approaches institutions that exit parallel run only: Column B: item 26 divided by item 48.b).......................................................... 51. Total capital ratio (Column A: item 47.a divided by item 48.a) (Advanced approaches institutions that exit parallel run only: Column B: item 47.b divided by item 48.b) ....................................................... (Column A) RCFA Percentage 48.a. 48.b. (Column B) RCFW Percentage P793 P793 49. 7206 7206 50. 7205 7205 51. RCFA Percentage Capital Buffer* 52. Institution-specific capital buffer necessary to avoid limitations on distributions and discretionary bonus payments: a. Capital conservation buffer .......................................................................................... H311 RCFW b. (Advanced approaches institutions and institutions subject to Category III capital standards only): Total applicable capital buffer ................................................................. H312 Dollar Amounts in Thousands RCFA 53. Eligible retained income ................................................................................................. H313 54. Distributions and discretionary bonus payments during the quarter2 ......................................... H314 52.a. 52.b. Amount 53. 54. 1 Supplementary Leverage Ratio* 55. Advanced approaches institutions and institutions subject to Category III capital standards only: Supplementary leverage ratio information: a. Total leverage exposure3 ............................................................................................ H015 55.a. Percentage b. Supplementary leverage ratio ...................................................................................... H036 55.b. * Report each ratio and buffer as a percentage, rounded to four decimal places, e.g., 12.3456. 1. Non-advanced approaches institutions other than Category III institutions must complete item 53 only if the amount reported in item 52.a above is less than or equal to 2.5000 percent. Advanced approaches institutions and Category III institutions must complete item 53 only if the amount reported in item 52.a above is less than or equal to the amount reported in item 52.b above. 2. Non-advanced approaches institutions other than Category III institutions must complete item 54 only if the amount reported in Schedule RC-R, Part I, item 52.a, in the Call Report for the previous calendar quarter-end report date was less than or equal to 2.5000 percent. Advanced approaches institutions and Category III institutions must complete item 54 only if the amount reported in Schedule RC-R, Part I, item 52.a, in the Call Report for the previous calendar quarter-end report date was less than or equal to the amount reported in Schedule RC-R, Part I, item 52.b, in the Call Report for that previous report date. 3. Institutions that have elected to apply the 3-year or the 5-year 2020 CECL transition provision should include the applicable portion of the CECL transitional amount or the modified CECL transitional amount, respectively, in item 55.a. 03/2024 FFIEC 031 Page 66 of 88 RC-51 Schedule RC-R—Continued Part II. Risk-Weighted Assets Institutions that entered "1" for Yes in Schedule RC-R, Part I, item 31.a, do not have to complete Schedule RC-R, Part II. Institutions are required to assign a 100 percent risk weight to all assets not specifically assigned a risk weight under Subpart D of the federal banking agencies' regulatory capital rules1 and not deducted from tier 1 or tier 2 capital. (Column B) Adjustments to Totals Reported in Column A (Column C) 0% 2% 4% 10% Amount Amount Amount Amount Amount Amount RCFD D957 RCFD S396 RCFD D958 (Column A) Totals From Schedule RC Dollar Amounts in Thousands Balance Sheet Asset Categories2 1. Cash and balances due from depository institutions.................... 2. Securities: a. Held-to-maturity securities3 ................ b. Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading ..... 3. Federal funds sold and securities purchased under agreements to resell: a. Federal funds sold in domestic offices..... b. Securities purchased under agreements to resell ...................... 4. Loans and leases held for sale: a. Residential mortgage exposures ............... b. High volatility commercial real estate exposures................ (Column D) (Column E) (Column F) (Column G) (Column H) (Column I) (Column J) 20% 50% 100% 150% Amount Amount Amount Amount RCFD D959 RCFD S397 RCFD D960 RCFD S398 Allocation by Risk-Weight Category 1. RCFD D961 RCFD S399 RCFD D962 RCFD HJ74 RCFD HJ75 RCFD D963 RCFD D964 RCFD D965 RCFD S400 2.a. RCFD JA21 RCFD S402 RCFD D967 RCFD HJ76 RCFD HJ77 RCFD D968 RCFD D969 RCFD D970 RCFD S403 2.b RCON D971 RCON D972 RCON D973 RCON S410 RCON D974 RCON S411 3.a. RCFD H171 RCFD H172 3.b. RCFD S413 RCFD S414 RCFD H173 RCFD S415 RCFD S416 RCFD S417 4.a. RCFD S419 RCFD S420 RCFD H174 RCFD H175 RCFD H176 RCFD H177 RCFD S421 4.b. 1. For national banks and federal savings associations, 12 CFR Part 3; for state member banks, 12 CFR Part 217; and for state nonmember banks and state savings associations, 12 CFR Part 324. 2. All securitization exposures held as on-balance sheet assets of the reporting institution are to be excluded from items 1 through 8 and are to be reported instead in item 9. 3. Institutions should report held-to-maturity securities net of allowances for credit losses in item 2.a, column A. Institutions should report as a negative number in item 2.a, column B, those allowances 03/2024 for credit losses eligible for inclusion in tier 2 capital, which excludes allowances for credit losses on purchased credit-deteriorated assets. FFIEC 031 Page 67 of 88 RC-52 Schedule RC-R—Continued Part II—Continued (Column K) (Column L) (Column M) (Column N) (Column O) (Column P) (Column Q) Balance Sheet Asset Categories (continued) 1. Cash and balances due from depository institutions....................................... 2. Securities: a. Held-to-maturity securities.................................... b. Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading ........................ 3. Federal funds sold and securities purchased under agreements to resell: a. Federal funds sold in domestic offices........................ b. Securities purchased under agreements to resell ......................................... 4. Loans and leases held for sale: a. Residential mortgage exposures .................................. b. High volatility commercial real estate exposures................................... (Column S) Application of Other RiskWeighting Approaches1 Allocation by Risk-Weight Category Dollar Amounts in Thousands (Column R) 250% 300% 400% 600% 625% 937.5% 1250% Exposure Amount Risk-Weighted Asset Amount Amount Amount Amount Amount Amount Amount Amount Amount Amount 1. 2.a. RCFD H270 RCFD S405 RCFD S406 RCFD H271 RCFD H272 2.b. 3.a. 3.b. RCFD H273 RCFD H274 4.a. RCFD H275 RCFD H276 4.b. 1. Includes, for example, investments in mutual funds/investment funds, exposures collateralized by securitization exposures or mutual funds, separate account bank-owned life insurance, and default fund contributions to central counterparties. 03/2020 FFIEC 031 Page 68 of 88 RC-53 Schedule RC-R—Continued Part II—Continued (Column B) Adjustments to Totals Reported in Column A (Column C) 0% 2% 4% 10% Amount Amount Amount Amount Amount Amount RCFD S423 RCFD S424 RCFD S425 RCFD HJ78 RCFD S431 RCFD S432 RCFD S433 RCFD HJ80 (Column A) Totals From Schedule RC Dollar Amounts in Thousands 4. Loans and leases held for sale (continued): c. Exposures past due 90 days or more or on nonaccrual1 .......... d. All other exposures................ 5. Loans and leases held for investment:2 a. Residential mortgage exposures................ b. High volatility commercial real estate exposures................ c. Exposures past due 90 days or more or on nonaccrual3 .............. (Column D) (Column E) (Column F) (Column G) (Column H) (Column I) (Column J) 20% 50% 100% 150% Amount Amount Amount Amount RCFD HJ79 RCFD S426 RCFD S427 RCFD S428 RCFD S429 RCFD HJ81 RCFD S434 RCFD S435 RCFD S436 RCFD S437 Allocation by Risk-Weight Category 4.c. 4.d. RCFD S439 RCFD S440 RCFD H178 RCFD S441 RCFD S442 RCFD S443 5.a. RCFD S445 RCFD S446 RCFD H179 RCFD H180 RCFD H181 RCFD H182 RCFD S447 5.b. RCFD S449 RCFD S450 RCFD S451 RCFD HJ82 RCFD HJ83 RCFD S452 RCFD S453 RCFD S454 RCFD S455 RCFD S457 RCFD S458 RCFD S459 RCFD HJ84 RCFD HJ85 RCFD S460 RCFD S461 RCFD S462 RCFD S463 5.c. d. All other exposures .... 6. LESS: Allowance for credit losses on loans and leases ................... 5.d. RCFD 3123 RCFD 3123 6. 1. For loans and leases held for sale, exclude residential mortgage exposures, high volatility commercial real estate exposures, or sovereign exposures that are past due 90 days or more or on nonaccrual. 2. Institutions should report as a positive number in column B of items 5.a through 5.d, as appropriate, any allowances for credit losses on purchased credit-deteriorated assets reported in column A of items 5.a through 5.d, as appropriate. 3. For loans and leases held for investment, exclude residential mortgage exposures, high volatility commercial real estate exposures, or sovereign exposures that are past due 90 days or more or on nonaccrual. 03/2024 FFIEC 031 Page 69 of 88 RC-54 Schedule RC-R—Continued Part II—Continued (Column K) (Column L) (Column M) (Column N) (Column O) (Column P) (Column Q) (Column S) Application of Other RiskWeighting Approaches1 Allocation by Risk-Weight Category Dollar Amounts in Thousands 4. Loans and leases held for sale (continued): c. Exposures past due 90 days or more or on nonaccrual2 ............................. d. All other exposures................................... 5. Loans and leases held for investment: a. Residential mortgage exposures................................... b. High volatility commercial real estate exposures................................... c. Exposures past due 90 days or more or on nonaccrual3 ................................. (Column R) 250% 300% 400% 600% 625% 937.5% 1250% Exposure Amount Risk-Weighted Asset Amount Amount Amount Amount Amount Amount Amount Amount Amount Amount RCFD H277 RCFD H278 RCFD H279 RCFD H280 4.c. 4.d. RCFD H281 RCFD H282 5.a. RCFD H283 RCFD H284 5.b. RCFD H285 RCFD H286 RCFD H287 RCFD H288 5.c. d. All other exposures ....................... 6. LESS: Allowance for credit losses on loans and leases ...................................... 5.d. 6. 1. Includes, for example, investments in mutual funds/investment funds, exposures collateralized by securitization exposures or mutual funds, separate account bank-owned life insurance, and default fund contributions to central counterparties. 2. For loans and leases held for sale, exclude residential mortgage exposures, high volatility commercial real estate exposures, or sovereign exposures that are past due 90 days or more or on nonaccrual. 3. For loans and leases held for investment, exclude residential mortgage exposures, high volatility commercial real estate exposures, or sovereign exposures that are past due 90 days or more or on nonaccrual. 03/2024 FFIEC 031 Page 70 of 88 RC-55 Schedule RC-R—Continued Part II—Continued (Column A) Totals From Schedule RC Dollar Amounts in Thousands (Column B) Adjustments to Totals Reported in Column A (Column C) (Column D) (Column E) (Column F) (Column G) (Column H) (Column I) (Column J) 50% 100% 150% Allocation by Risk-Weight Category 0% 2% 4% 10% Amount 20% Amount Amount Amount Amount Amount Amount Amount Amount Amount RCFD D976 RCFD S466 RCFD D977 RCFD HJ86 RCFD HJ87 RCFD D978 RCFD D979 RCFD D980 RCFD S467 RCFD D981 RCFD S469 RCFD D982 RCFD HJ88 RCFD HJ89 RCFD D983 RCFD D984 RCFD D985 RCFD H185 7. Trading assets .............. 7. 8. All other assets1, 2, 3 ......... a. Separate account bank-owned life insurance ................ b. Default fund contributions to central counterparties .......... 8. 8.a. 8.b. 1. Includes premises and fixed assets; other real estate owned; investments in unconsolidated subsidiaries and associated companies; direct and indirect investments in real estate ventures; intangible assets; and other assets. 2. Institutions that have elected to apply the 3-year or the 5-year 2020 CECL transition provision should report as a positive number in item 8, column B, the applicable portion of the DTA transitional amount as determined in accordance with the 3-year or the 5-year 2020 CECL transition rule, respectively. 3. Institutions that have reported any assets net of allowances for credit losses in item 8, column A, should report as a negative number in item 8, column B, those allowances for credit losses eligible for inclusion in tier 2 capital, which excludes allowances for credit losses on purchased credit-deteriorated assets. 03/2024 FFIEC 031 Page 71 of 88 RC-56 Schedule RC-R—Continued Part II—Continued (Column K) (Column L) (Column M) (Column N) (Column O) (Column P) (Column Q) Dollar Amounts in Thousands 300% 400% (Column S) Application of Other RiskWeighting Approaches1 Allocation by Risk-Weight Category 250% (Column R) 600% 625% 937.5% 1250% Amount Amount Amount Exposure Amount Risk-Weighted Asset Amount Amount Amount Amount Amount Amount Amount RCFD H289 RCFD H186 RCFD H290 RCFD H187 RCFD H291 RCFD H292 RCFD H293 RCFD H188 RCFD S470 RCFD S471 RCFD H294 RCFD H295 7. 7. Trading assets ................................. 8. All other assets2 ............................... a. Separate account bank-owned life insurance ................................... b. Default fund contributions to central counterparties ............................. 8. RCFD H296 RCFD H297 8.a. RCFD H298 RCFD H299 8.b. 1. Includes, for example, investments in mutual funds/investment funds, exposures collateralized by securitization exposures or mutual funds, separate account bank-owned life insurance, and default fund contributions to central counterparties. 2. Includes premises and fixed assets; other real estate owned; investments in unconsolidated subsidiaries and associated companies; direct and indirect investments in real estate ventures; intangible assets; and other assets. 03/2020 FFIEC 031 Page 72 of 88 RC-57 Schedule RC-R—Continued Part II—Continued (Column A) Totals Dollar Amounts in Thousands Securitization Exposures: On- and Off-Balance Sheet 9. On-balance sheet securitization exposures: a. Held-to-maturity securities2 ......................................................................................... (Column Q) (Column B) Adjustments Allocation by to Totals Risk-Weight Reported in Category Column A (Exposure Amount) (Column T) (Column U) Total Risk-Weighted Asset Amount by Calculation Methodology Amount Amount 1250% Amount SSFA1 Amount Gross-Up Amount RCFD S475 RCFD S476 RCFD S477 RCFD S478 RCFD S479 RCFD S480 RCFD S481 RCFD S482 RCFD S483 RCFD S484 RCFD S485 RCFD S486 RCFD S487 RCFD S488 RCFD S489 RCFD S490 RCFD S491 RCFD S492 RCFD S493 RCFD S494 RCFD S495 RCFD S496 RCFD S497 RCFD S498 RCFD S499 9.a. 9.b. b. Available-for-sale securities ........................................................................................ 9.c. c. Trading assets ......................................................................................................... d. All other on-balance sheet securitization exposures......................................................... 9.d. 10. Off-balance sheet securitization exposures ........................................................................ 10. 1. Simplified Supervisory Formula Approach. 2. Institutions should report held-to-maturity securities net allowances for credit losses in item 9.a, column A. Institutions should report as a negative number in item 9.a, column B, those allowances for credit losses eligible for inclusion in tier 2 capital, which excludes allowances for credit losses on purchased credit-deteriorated assets. 03/2024 FFIEC 031 Page 73 of 88 RC-58 Schedule RC-R—Continued Part II—Continued (Column A) Totals From Schedule RC (Column B) Adjustments to Totals Reported in Column A (Column C) (Column D) (Column E) (Column F) (Column G) (Column H) (Column I) (Column J) 50% 100% 150% Allocation by Risk-Weight Category 0% 2% 4% 10% Amount Dollar Amounts in Thousands Amount Amount Amount Amount Amount 11. Total balance sheet assets1 ................. RCFD 2170 RCFD S500 RCFD D987 RCFD HJ90 RCFD HJ91 20% Amount Amount Amount Amount RCFD D988 RCFD D989 RCFD D990 RCFD S503 11. (Column K) (Column L) (Column M) (Column N) (Column O) (Column P) (Column Q) Allocation by Risk-Weight Category 250% Dollar Amounts in Thousands 11. Total balance sheet assets1 .............................................................. 300% 400% 600% 625% 937.5% Amount Amount Amount Amount Amount Amount RCFD S504 RCFD S505 RCFD S506 RCFD S507 (Column R) Application of Other RiskWeighting Approaches 1250% Exposure Amount Amount Amount RCFD S510 RCFD H300 11. 1. For each of columns A through R of item 11, report the sum of items 1 through 9. For item 11, the sum of columns B through R must equal column A. Item 11, column A, must equal Schedule RC, item 12. 03/2020 FFIEC 031 Page 74 of 88 RC-59 Schedule RC-R—Continued Part II—Continued (Column A) Face, Notional, CCF1 or Other Amount Dollar Amounts in Thousands Derivatives, Off-Balance Sheet Items, and Other Items Subject to Risk Weighting (Excluding Securitization Exposures)3 12. Financial standby letters of credit ....... 13. Performance standby letters of credit and transaction-related contingent items ..... 14. Commercial and similar letters of credit with an original maturity of one year or less .................. 15. Retained recourse on small business obligations sold with recourse ......... Amount RCFD D991 (Column B) Credit Equivalent Amount2 (Column C) (Column D) (Column E) (Column F) (Column G) (Column H) (Column I) (Column J) Allocation by Risk-Weight Category 0% 2% 4% 10% 20% 50% 100% 150% Amount Amount Amount Amount Amount Amount Amount Amount Amount RCFD D992 RCFD D993 RCFD HJ92 RCFD HJ93 RCFD D994 RCFD D995 RCFD D996 RCFD S511 12. 1.0 RCFD D997 RCFD D998 RCFD D999 RCFD G603 RCFD G604 RCFD G605 RCFD S512 13. 0.5 RCFD G606 RCFD G607 RCFD G608 RCFD HJ94 RCFD HJ95 RCFD G609 RCFD G610 RCFD G611 RCFD S513 14. 0.2 RCFD G612 RCFD G613 RCFD G614 RCFD G615 RCFD G616 1.0 RCFD G617 RCFD S514 15. 1. Credit conversion factor. 2. Column A multiplied by credit conversion factor. For each of items 12 through 21, the sum of columns C through J plus column R must equal column B. 3. All derivatives and off-balance sheet items that are securitization exposures are to be excluded from items 12 through 21 and are to be reported instead in item 10. 03/2019 FFIEC 031 Page 75 of 88 RC-60 Schedule RC-R—Continued Part II—Continued (Column A) Face, Notional, CCF1 or Other Amount (Column B) Credit Equivalent Amount2 (Column C) (Column E) (Column F) (Column G) (Column H) (Column I) (Column J) 50% 100% 150% Allocation by Risk-Weight Category 0% Dollar Amounts in Thousands 16. Repo-style transactions3........... 17. All other off-balance sheet liabilities ........ 18. Unused commitments (exclude unused commitments to asset-backed commercial paper conduits): a. Original maturity of one year or less ... b. Original maturity exceeding one year .................. 19. Unconditionally cancelable commitments.......... 20. Over-the-counter derivatives ............. 21. Centrally cleared derivatives ............. 22. Unsettled transactions (failed trades)4 ......... (Column D) 2% 4% 10% Amount Amount Amount Amount Amount Amount RCFD S515 RCFD S516 RCFD S517 RCFD S518 RCFD S519 RCFD G619 RCFD G620 20% Amount Amount Amount Amount RCFD S520 RCFD S521 RCFD S522 RCFD S523 RCFD G621 RCFD G622 RCFD G623 RCFD S524 16. 1.0 RCFD G618 17. 1.0 RCFD S525 RCFD S526 RCFD S527 RCFD HJ96 RCFD HJ97 RCFD S528 RCFD S529 RCFD S530 RCFD S531 18.a. 0.2 RCFD G624 RCFD G625 RCFD G626 RCFD HJ98 RCFD HJ99 RCFD G627 RCFD G628 RCFD G629 RCFD S539 18.b. 0.5 RCFD S540 RCFD S541 19. 0.0 RCFD S542 RCFD S543 RCFD HK00 RCFD HK01 RCFD S549 RCFD S550 RCFD S551 RCFD S552 RCFD S544 RCFD S545 RCFD S546 RCFD S547 RCFD S548 RCFD S554 RCFD S555 RCFD S556 RCFD S557 RCFD H194 RCFD H195 RCFD H196 RCFD H197 20. 21. RCFD H191 RCFD H193 22. 1. Credit conversion factor. 2. For items 16 through 19, column A multiplied by credit conversion factor. 3. Includes securities purchased under agreements to resell (reverse repos), securities sold under agreements to repurchase (repos), securities borrowed, and securities lent. 4. For item 22, the sum of columns C through Q must equal column A. 03/2019 FFIEC 031 Page 76 of 88 RC-61 Schedule RC-R—Continued Part II—Continued (Column O) (Column P) (Column Q) Allocation by Risk-Weight Category Dollar Amounts in Thousands 16. Repo-style transactions2................................................................................................................ 17. All other off-balance sheet liabilities ............................................................................................................. 18. Unused commitments (exclude unused commitments to asset-backed commercial paper conduits): a. Original maturity of one year or less ........................................................................................................ b. Original maturity exceeding one year ....................................................................................................................... 19. Unconditionally cancelable commitments............................................................................................................... 20. Over-the-counter derivatives .................................................................................................................. 21. Centrally cleared derivatives .................................................................................................................. 22. Unsettled transactions (failed trades)3 .............................................................................................................. 625% 937.5% 1250% Amount Amount Amount (Column R) (Column S) Application of Other RiskWeighting Approaches1 Credit Equivalent Risk-Weighted Amount Asset Amount Amount Amount RCFD H301 RCFD H302 16. 17. RCFD H303 RCFD H304 18.a. RCFD H307 RCFD H308 18.b. 19. RCFD H309 RCFD H310 20. 21. RCFD H198 RCFD H199 RCFD H200 22. 1. Includes, for example, exposures collateralized by securitization exposures or mutual funds. 2. Includes securities purchased under agreements to resell (reverse repos), securities sold under agreements to repurchase (repos), securities borrowed, and securities lent. 3. For item 22, the sum of columns C through Q must equal column A. 03/2019 FFIEC 031 Page 77 of 88 RC-62 Schedule RC-R—Continued Part II—Continued (Column C) (Column D) (Column E) (Column F) (Column G) (Column H) (Column I) (Column J) Allocation by Risk-Weight Category Dollar Amounts in Thousands 23. Total assets, derivatives, off-balance sheet items, and other items subject to risk weighting by riskweight category (for each of columns C through P, sum of items 11 through 22; for column Q, sum of items 10 through 22) ................................................... 24. Risk-weight factor ............................................... 25. Risk-weighted assets by risk-weight category (for each column, item 23 multiplied by item 24) ............................................................ 0% 2% 4% 10% 20% 50% 100% 150% Amount Amount Amount Amount Amount Amount Amount Amount RCFD G630 RCFD S558 RCFD S559 RCFD S560 RCFD G631 RCFD G632 RCFD G633 RCFD S561 X 0% X 2% X 4% X 10% X 20% X 50% X 100% X 150% RCFD G634 RCFD S569 RCFD S570 RCFD S571 RCFD G635 RCFD G636 RCFD G637 RCFD S572 23. 24. 25. 03/2015 FFIEC 031 Page 78 of 88 RC-63 Schedule RC-R—Continued Part II—Continued (Column K) (Column L) (Column M) (Column N) (Column O) (Column P) (Column Q) Allocation by Risk-Weight Category Dollar Amounts in Thousands 23. Total assets, derivatives, off-balance sheet items, and other items subject to risk weighting by riskweight category (for each of columns C through P, sum of items 11 through 22; for column Q, sum of items 10 through 22) ....................................................................... 24. Risk-weight factor ................................................................... 25. Risk-weighted assets by risk-weight category (for each column, item 23 multiplied by item 24) ................................................................................ 26. 27. 28. 29. 30. 31. 250% 300% 400% 600% 625% 937.5% 1250% Amount Amount Amount Amount Amount Amount Amount RCFD S562 RCFD S563 RCFD S564 RCFD S565 RCFD S566 RCFD S567 RCFD S568 X 250% X 300% X 400% X 600% X 625% X 937.5% X 1250% RCFD S573 RCFD S574 RCFD S575 RCFD S576 RCFD S577 RCFD S578 RCFD S579 Dollar Amounts in Thousands Risk-weighted assets base for purposes of calculating the adjusted allowances for credit losses (AACL) 1.25 percent threshold .................. Standardized market-risk weighted assets (applicable only to banks that are covered by the market risk capital rules) ............................... Risk-weighted assets before deductions for excess AACL1 and allocated transfer risk reserve2 .............................................................. LESS: Excess AACL1 ............................................................................................................................................................. LESS: Allocated transfer risk reserve ......................................................................................................................................... Total risk-weighted assets (item 28 minus items 29 and 30)............................................................................................................ 23. 24. 25. RCFD Totals Amount S580 S581 B704 A222 3128 G641 26. 27. 28. 29. 30. 31. 1. Institutions that have elected to apply the 3-year or the 5-year 2020 CECL transition provision should subtract the applicable portion of the AACL transitional amount or the modified AACL transitional amount, respectively, from the AACL, as defined in the regulatory capital rule, before determining the amount of excess AACL. 2. Sum of items 2.b through 20, column S; items 9.a, 9.b, 9.c, 9.d, and 10, columns T and U; item 25, columns C through Q; and item 27 (if applicable). 03/2024 FFIEC 031 Page 79 of 88 RC-64 Schedule RC-R—Continued Part II—Continued Memoranda Dollar Amounts in Thousands RCFD 1. Current credit exposure across all derivative contracts covered by the regulatory capital rules ..................................................................... G642 (Column A) One year or less Dollar Amounts in Thousands 2. Notional principal amounts of over-the-counter derivative contracts: a. Interest rate ..................................................................................... b. Foreign exchange rate and gold........................................................... c. Credit (investment grade reference asset).............................................. d. Credit (non-investment grade reference asset)........................................ e. Equity ............................................................................................ f. Precious metals (except gold) ............................................................. g. Other ............................................................................................. 3. Notional principal amounts of centrally cleared derivative contracts: a. Interest rate ..................................................................................... b. Foreign exchange rate and gold .......................................................... c. Credit (investment grade reference asset) ............................................. d. Credit (non-investment grade reference asset) ....................................... e. Equity ............................................................................................ f. Precious metals (except gold) ............................................................. g. Other ............................................................................................. RCFD Amount With a remaining maturity of (Column B) Over one year through five years RCFD Amount Amount M.1. (Column C) Over five years RCFD Amount S582 S585 S588 S591 S594 S597 S600 S583 S586 S589 S592 S595 S598 S601 S584 S587 S590 S593 S596 S599 S602 M.2.a. M.2.b. M.2.c. M.2.d. M.2.e. M.2.f. M.2.g. S603 S606 S609 S612 S615 S618 S621 S604 S607 S610 S613 S616 S619 S622 S605 S608 S611 S614 S617 S620 S623 M.3.a. M.3.b. M.3.c. M.3.d. M.3.e. M.3.f. M.3.g. Dollar Amounts in Thousands RCFD 4. Amount of allowances for credit losses on purchased credit-deteriorated assets: a. Loans and leases held for investment ................................................................................................................................... JJ30 b. Held-to-maturity debt securities ........................................................................................................................................... JJ31 c. Other financial assets measured at amortized cost .................................................................................................................. JJ32 Amount M.4.a. M.4.b. M.4.c. 03/2024 FFIEC 031 Page 80 of 88 RC-65 Schedule RC-S—Servicing, Securitization, and Asset Sale Activities Dollar Amounts in Thousands Bank Securitization Activities 1. Outstanding principal balance of assets sold and securitized by the reporting bank with servicing retained or with recourse or other seller-provided credit enhancements ............................... 2. Maximum amount of credit exposure arising from recourse or other seller-provided credit enhancements provided to structures reported in item 1 .................................... (Column A) 1–4 Family Residential Loans (Column B) Home Equity Lines (Column C) Credit Card Receivables (Column D) Auto Loans (Column E) Other Consumer Loans (Column F) Commercial and Industrial Loans (Column G) All Other Loans, All Leases, and All Other Assets Amount Amount Amount Amount Amount Amount Amount RCFD B705 RCFD B706 RCFD B707 RCFD B708 RCFD B709 RCFD B710 RCFD B711 1. RCFD HU09 RCFD HU10 RCFD HU11 RCFD HU12 RCFD HU13 RCFD HU14 RCFD HU15 2. Item 3 is to be completed by banks with $100 billion or more in total assets 1. 3. Reporting bank's unused commitments to provide liquidity to structures reported in item 1 ................................................ 4. Past due loan amounts included in item 1: a. 30-89 days past due............................. b. 90 days or more past due ...................... 5. Charge-offs and recoveries on assets sold and securitized with servicing retained or with recourse or other seller-provided credit enhancements (calendar year-to-date): a. Charge-offs ........................................ RCFD B726 RCFD B727 RCFD B728 RCFD B729 RCFD B730 RCFD B731 RCFD B732 3. RCFD B733 RCFD B734 RCFD B735 RCFD B736 RCFD B737 RCFD B738 RCFD B739 RCFD B740 RCFD B741 RCFD B742 RCFD B743 RCFD B744 RCFD B745 RCFD B746 4.a. 4.b. RIAD B747 RIAD B748 RIAD B749 RIAD B750 RIAD B751 RIAD B752 RIAD B753 RIAD B754 RIAD B755 RIAD B756 RIAD B757 RIAD B758 RIAD B759 RIAD B760 5.a. b. Recoveries ......................................... 5.b. 1. The $100 billion asset-size test is based on the total assets reported on the June 30, 2024, Report of Condition. 03/2025 FFIEC 031 Page 81 of 88 RC-66 Schedule RC-S—Continued Dollar Amounts in Thousands (Column A) 1–4 Family Residential Loans (Column B) Home Equity Lines (Column C) Credit Card Receivables (Column D) Auto Loans (Column E) Other Consumer Loans (Column F) Commercial and Industrial Loans (Column G) All Other Loans, All Leases, and All Other Assets Amount Amount Amount Amount Amount Amount Amount RCFD HU16 RCFD HU17 Item 6 is to be completed by banks with $10 billion or more in total assets.1 6. Total amount of ownership (or seller's) interest carried as securities or loans........ 7. and 8. Not applicable For Securitization Facilities Sponsored By or Otherwise Established By Other Institutions 9. Maximum amount of credit exposure arising from credit enhancements provided by the reporting bank to other institutions' securitization structures in the form of standby letters of credit, purchased subordinated securities, and other enhancements ..................................... RCFD HU18 6. RCFD B776 RCFD B779 RCFD B780 RCFD B781 RCFD B782 9. Item 10 is to be completed by banks with $10 billion or more in total assets.1 10. Reporting bank's unused commitments to provide liquidity to other institutions' securitization structures ......................... Bank Asset Sales 11. Assets sold with recourse or other sellerprovided credit enhancements and not securitized by the reporting bank ............ 12. Maximum amount of credit exposure arising from recourse or other seller-provided credit enhancements provided to assets reported in item 11 ............................... RCFD B783 RCFD B786 RCFD B787 RCFD B788 RCFD B789 10. RCFD B790 RCFD B796 11. RCFD B797 RCFD B803 12. 1. The $10 billion asset-size test is based on the total assets reported on the June 30, 2024, Report of Condition. 03/2025 FFIEC 031 Page 82 of 88 RC-67 Schedule RC-S—Continued Memoranda Dollar Amounts in Thousands 1. Not applicable 2. Outstanding principal balance of assets serviced for others (includes participations serviced for others): a. Closed-end 1– 4 family residential mortgages serviced with recourse or other servicer-provided credit enhancements ...................................................................... b. Closed-end 1– 4 family residential mortgages serviced with no recourse or other servicer-provided credit enhancements ...................................................................... c. Other financial assets (includes home equity lines)1 ...................................................... d. 1–4 family residential mortgages serviced for others that are in process of foreclosure at quarter-end (includes closed-end and open-end loans) .................................................. RCFD Amount B804 M.2.a. B805 A591 M.2.b. M.2.c. F699 M.2.d. B806 M.3.a.(1) M.3.a.(2) Memorandum item 3 is to be completed by banks with $10 billion or more in total assets.2 3. Asset-backed commercial paper conduits: a. Maximum amount of credit exposure arising from credit enhancements provided to conduit structures in the form of standby letters of credit, subordinated securities, and other enhancements: (1) Conduits sponsored by the bank, a bank affiliate, or the bank's holding company ........... (2) Conduits sponsored by other unrelated institutions ................................................... b. Unused commitments to provide liquidity to conduit structures: (1) Conduits sponsored by the bank, a bank affiliate, or the bank's holding company ........... (2) Conduits sponsored by other unrelated institutions ................................................... 4. Outstanding credit card fees and finance charges included in Schedule RC-S, item 1, column C 2,3 .............................................................................................................. B807 B808 B809 M.3.b.(1) M.3.b.(2) C407 M.4. 1. Memorandum item 2.c is to be completed if the principal balance of other financial assets serviced for others is more than $10 million. 2. The $10 billion asset-size test is based on the total assets reported on the June 30, 2024, Report of Condition. 3. Memorandum item 4 is to be completed by banks with $10 billion or more in total assets that (1) together with affiliated institutions, have outstanding credit card receivables (as defined in the instructions) that exceed $500 million as of the report date, or (2) are credit card specialty banks as defined for Uniform Bank Performance Report purposes. 03/2025 FFIEC 031 Page 83 of 88 RC-68 Schedule RC-T—Fiduciary and Related Services RCFD Yes No 1. Does the institution have fiduciary powers? (If "NO," do not complete Schedule RC-T.) ................... A345 2. Does the institution exercise the fiduciary powers it has been granted? ........................................ A346 3. Does the institution have any fiduciary or related activity (in the form of assets or accounts) to report in this schedule? (If "NO," do not complete the rest of Schedule RC-T.) ....................................... B867 1. 2. 3. If the answer to item 3 is "YES," complete the applicable items of Schedule RC-T, as follows: Institutions with total fiduciary assets (item 10, sum of columns A and B) greater than $250 million (as of the preceding December 31 report date) or with gross fiduciary and related services income greater than 10 percent of revenue (net interest income plus noninterest income) for the preceding calendar year must complete: • Items 4 through 22.a and Memorandum item 3 quarterly, • Items 23 through 26 annually with the December report, and • Memorandum items 1, 2, and 4 annually with the December report. Institutions with total fiduciary assets (item 10, sum of columns A and B) less than or equal to $250 million (as of the preceding December 31 report date) that do not meet the fiduciary income test for quarterly reporting must complete: • Items 4 through 13 annually with the December report, and • Memorandum items 1 through 3 annually with the December report. • Institutions with total fiduciary assets greater than $100 million but less than or equal to $250 million (as of the preceding December 31 report date) that do not meet the fiduciary income test for quarterly reporting must also complete Memorandum item 4 annually with the December report. (Column A) Managed Assets Dollar Amounts in Thousands Fiduciary and Related Assets 4. Personal trust and agency accounts ........ 5. Employee benefit and retirementrelated trust and agency accounts: a. Employee benefit—defined contribution..................................... b. Employee benefit—defined benefit ...... c. Other employee benefit and retirementrelated accounts .............................. 6. Corporate trust and agency accounts ...... 7. Investment management and investment advisory agency accounts ..................... 8. Foundation and endowment trust and agency accounts ................................. 9. Other fiduciary accounts ....................... 10. Total fiduciary accounts (sum of items 4 through 9) .................... (Column B) Non-Managed Assets (Column D) Number of Non-Managed Accounts Amount Amount Number Number RCFD B868 RCFD B869 RCFD B870 RCFD B871 4. RCFD B872 RCFD B873 RCFD B874 RCFD B875 RCFD B876 RCFD B877 RCFD B878 RCFD B879 RCFD B880 RCFD B881 RCFD B882 RCFD B883 RCFD B884 RCFD B885 RCFD C001 RCFD C002 RCFD B886 RCFD J253 RCFD B888 RCFD J254 RCFD J255 RCFD J256 RCFD J257 RCFD J258 RCFD B890 RCFD B891 RCFD B892 RCFD B893 RCFD B894 RCFD B895 RCFD B896 RCFD B897 5.a. 5.b. 5.c. 6. 7. 8. 9. 10. RCFD B898 11. Custody and safekeeping accounts ......... (Column C) Number of Managed Accounts RCFD B899 11. 03/2022 FFIEC 031 Page 84 of 88 RC-69 Schedule RC-T—Continued Dollar Amounts in Thousands 12. Fiduciary accounts held in foreign offices (included in items 10 and 11) .... 13. Individual Retirement Accounts, Health Savings Accounts, and other similar accounts (included in items 5.c and 11) ............ (Column A) Managed Assets (Column B) Non-Managed Assets (Column C) Number of Managed Accounts (Column D) Number of Non-Managed Accounts Amount RCFN B900 Amount RCFN B901 Number RCFN B902 Number RCFN B903 12. RCFD J259 RCFD J260 RCFD J261 13. Dollar Amounts in Thousands RIAD Fiduciary and Related Services Income 14. Personal trust and agency accounts .................................................................................. 15. Employee benefit and retirement-related trust and agency accounts: a. Employee benefit-defined contribution ............................................................................ b. Employee benefit-defined benefit .................................................................................. c. Other employee benefit and retirement-related accounts .................................................... 16. Corporate trust and agency accounts ................................................................................ 17. Investment management and investment advisory agency accounts ........................................ 18. Foundation and endowment trust and agency accounts ........................................................ 19. Other fiduciary accounts ................................................................................................. 20. Custody and safekeeping accounts ................................................................................... 21. Other fiduciary and related services income ........................................................................ 22. Total gross fiduciary and related services income (sum of items 14 through 21) (must equal Schedule RI, item 5.a) ................................................................................... a. Fiduciary and related services income—foreign offices (included in item 22) .................................................................. B912 23. Less: Expenses ............................................................................................................ 24. Less: Net losses from fiduciary and related services ............................................................. 25. Plus: Intracompany income credits for fiduciary and related services........................................ 26. Net fiduciary and related services income........................................................................... Memoranda Dollar Amounts in Thousands 1. Managed assets held in fiduciary accounts: a. Noninterest-bearing deposits ........................ b. Interest-bearing deposits ............................. c. U.S. Treasury and U.S. Government agency obligations ..................................... d. State, county, and municipal obligations ......... e. Money market mutual funds ......................... f. Equity mutual funds .................................... g. Other mutual funds..................................... h. Common trust funds and collective investment funds ....................................... i. Other short-term obligations ......................... RCFD J262 (Column A) Personal Trust and Agency and Investment Management Agency Accounts RCFD Amount (Column B) Employee Benefit and Retirement-Related Trust and Agency Accounts RCFD Amount Amount B904 14. B905 B906 B910 15.a. 15.b. 15.c. 16. 17. 18. 19. 20. 21. 4070 22. B907 A479 J315 J316 A480 B909 22.a. 23. 24. 25. 26. C058 A488 B911 A491 (Column C) All Other Accounts RCFD Amount J263 J266 J264 J267 J265 J268 M.1.a. M.1.b. J269 J272 J275 J270 J273 J276 J271 J274 J277 J278 J281 J279 J282 J280 J283 M.1.c. M.1.d. M.1.e. M.1. f. M.1.g. J284 J287 J285 J288 J286 J289 M.1.h. M.1. i. 06/2012 FFIEC 031 Page 85 of 88 RC-70 Schedule RC-T—Continued Memoranda—Continued (Column A) Personal Trust and Agency and Investment Management Agency Accounts Dollar Amounts in Thousands 1. j. Other notes and bonds ............................ k. Investments in unregistered funds and private equity investments ........................ l. Other common and preferred stocks ........... m. Real estate mortgages ............................. n. Real estate ............................................ o. Miscellaneous assets .............................. p. Total managed assets held in fiduciary accounts (for each column, sum of Memorandum items 1.a through 1.o)........... RCFD Amount (Column B) Employee Benefit and Retirement-Related Trust and Agency Accounts Amount RCFD (Column C) All Other Accounts RCFD Amount J290 J291 J292 M.1.j. J293 J296 J299 J294 J297 J300 J295 J298 J301 J302 J305 J303 J306 J304 J307 M.1.k. M.1.l. M.1.m. M.1.n. M.1.o. J308 J309 J310 M.1.p. (Column A) Managed Assets Dollar Amounts in Thousands RCFD 1. q. Investments of managed fiduciary accounts in advised or sponsored mutual funds ........................................................... J311 Amount (Column B) Number of Managed Accounts RCFD Number J312 (Column A) Number of Issues Dollar Amounts in Thousands RCFD 2. Corporate trust and agency accounts: a. Corporate and municipal trusteeships ................................................. B927 M.1.q. (Column B) Principal Amount Outstanding Number Amount RCFD B928 M.2.a. RCFD J314 (1) Issues reported in Memorandum item 2.a that are in default ................ J313 M.2.a.(1) b. Transfer agent, registrar, paying agent, and other corporate agency.......... B929 M.2.b. Memorandum items 3.a through 3.h are to be completed by banks with collective investment funds and common trust funds with a total market value of $1 billion or more as of the preceding December 31 report date. Memorandum item 3.h only is to be completed by banks with collective investment funds and common trust funds with a total market value of less than $1 billion as of the preceding December 31 report date. (Column A) Number of Funds Dollar Amounts in Thousands 3. 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 ................................................ g. Specialty/Other .............................................................................. h. Total collective investment funds (sum of Memorandum items 3.a through 3.g) ....................................... RCFD Number (Column B) Market Value of Fund Assets RCFD Amount B931 B932 B933 B935 B937 B934 B936 B938 B939 B941 B943 B940 B942 B944 M.3.a. M.3.b. M.3.c. M.3.d. M.3.e. M.3. f. M.3.g. B945 B946 M.3.h. 03/2022 FFIEC 031 Page 86 of 88 RC-71 Schedule RC-T—Continued Memoranda—Continued (Column A) Gross Losses Managed Accounts Dollar Amounts in Thousands 4. Fiduciary settlements, surcharges, and other losses: a. Personal trust and agency accounts ........................................ b. Employee benefit and retirement-related trust and agency accounts ................................................................. c. Investment management and investment advisory agency accounts ................................................................. d. Other fiduciary accounts and related services ............................ e. Total fiduciary settlements, surcharges, and other losses (sum of Memorandum items 4.a through 4.d) (sum of columns A and B minus column C must equal Schedule RC-T, item 24) ....................................................... RIAD Amount (Column B) Gross Losses Non-Managed Accounts RIAD Amount (Column C) Recoveries RIAD Amount B947 B948 B949 M.4.a. B950 B951 B952 M.4.b. B953 B956 B954 B957 B955 B958 M.4.c. M.4.d. B959 B960 B961 M.4.e. Person to whom questions about Schedule RC-T—Fiduciary and Related Services should be directed: Name and Title (TEXT B962) E-mail Address (TEXT B926) Area Code / Phone Number / Extension (TEXT B963) Area Code / FAX Number (TEXT B964) 06/2012 FFIEC 031 Page 87 of 88 RC-72 Schedule RC-V—Variable Interest Entities1 (Column A) Securitization Vehicles Dollar Amounts in Thousands 1. Assets of consolidated variable interest entities (VIEs) that can be used only to settle obligations of the consolidated VIEs: a. Cash and balances due from depository institutions ................................ b. Securities not held for trading ............................................................. c. Loans and leases held for investment, net of allowance, and held for sale ... d. Other real estate owned .................................................................... e. Other assets ................................................................................... 2. Liabilities of consolidated VIEs for which creditors do not have recourse to the general credit of the reporting bank: a. Other borrowed money ..................................................................... b. Other liabilities ................................................................................ 3. All other assets of consolidated VIEs (not included in items 1.a through 1.e above) ............................................ 4. All other liabilities of consolidated VIEs (not included in items 2.a through 2.b above) ............................................ RCFD Amount (Column B) Other VIEs RCFD Amount J981 JF84 HU20 HU22 K009 JF91 HU21 HU23 JF89 JF90 JF92 JF85 JF93 JF86 2.a. 2.b. K030 JF87 3. K033 JF88 4. Dollar Amounts in Thousands RCFD 5. Total assets of asset-backed commercial paper (ABCP) conduit VIEs............................................ JF77 6. Total liabilities of ABCP conduit VIEs ...................................................................................... JF78 1.a. 1.b. 1.c. 1.d. 1.e. Amount 5. 6. 1. Institutions should report assets net of any applicable allowance for credit losses. 03/2024 FFIEC 031 Page 88 of 88 RC-73 Optional Narrative Statement Concerning the Amounts Reported in the Consolidated Reports of Condition and Income The management of the reporting bank may, if it wishes, submit a brief narrative statement on the amounts reported in the Consolidated Reports of Condition and Income. This optional statement will be made available to the public, along with the publicly available data in the Consolidated Reports of Condition and Income, in response to any request for individual bank report data. However, the information reported in Schedule RI-E, item 2.g; Schedule RC-C, Part I, Memorandum items 17.a and 17.b; Schedule RC-O, Memorandum items 6 through 9, 14, 15, and 18; and Schedule RC-P, items 7.a and 7.b, is regarded as confidential and will not be made available to the public on an individual institution basis. BANKS CHOOSING TO SUBMIT THE NARRATIVE STATEMENT SHOULD ENSURE THAT THE STATEMENT DOES NOT CONTAIN THE NAMES OR OTHER IDENTIFICATIONS OF INDIVIDUAL BANK CUSTOMERS, REFERENCES TO THE AMOUNTS REPORTED IN THE CONFIDENTIAL ITEMS IDENTIFIED ABOVE, OR ANY OTHER INFORMATION THAT THEY ARE NOT WILLING TO HAVE MADE PUBLIC OR THAT WOULD COMPROMISE THE PRIVACY OF THEIR CUSTOMERS. Banks choosing not to make a statement may check the “No comment” box below and should make no entries of any kind in the space provided for the narrative statement; i.e., DO NOT enter in this space such phrases as “No statement,” “Not applicable,” “N/A,” “No comment,” and “None.” The optional statement must be entered on this sheet. The statement should not exceed 100 words. Further, regardless of the number of words, the statement must not exceed 750 characters, including punctuation, indentation, and standard spacing between words and sentences. If any submission should exceed 750 characters, as defined, it will be truncated at 750 characters with no notice to the submitting bank and the truncated statement will appear as the bank’s statement both on agency computerized records and in computer-file releases to the public. All information furnished by the bank in the narrative statement must be accurate and not misleading. Appropriate efforts shall be taken by the submitting bank to ensure the statement’s accuracy. If, subsequent to the original submission, material changes are submitted for the data reported in the Consolidated Reports of Condition and Income, the existing narrative statement will be deleted from the files, and from disclosure; the bank, at its option, may replace it with a statement appropriate to the amended data. The optional narrative statement will appear in agency records and in release to the public exactly as submitted (or amended as described in the preceding paragraph) by the management of the bank (except for the truncation of statements exceeding the 750-character limit described above). THE STATEMENT WILL NOT BE EDITED OR SCREENED IN ANY WAY BY THE SUPERVISORY AGENCIES FOR ACCURACY OR RELEVANCE. DISCLOSURE OF THE STATEMENT SHALL NOT SIGNIFY THAT ANY FEDERAL SUPERVISORY AGENCY HAS VERIFIED OR CONFIRMED THE ACCURACY OF THE INFORMATION CONTAINED THEREIN. A STATEMENT TO THIS EFFECT WILL APPEAR ON ANY PUBLIC RELEASE OF THE OPTIONAL STATEMENT SUBMITTED BY THE MANAGEMENT OF THE REPORTING BANK. RCON Yes No Comments? .................................................................................................................................. 6979 BANK MANAGEMENT STATEMENT (please type or print clearly; 750 character limit): (TEXT 6980) 06/2020
| File Type | application/pdf |
| File Title | Consolidated Reports of Condition and Income for A Bank with Domestic and Foreign Offices—FFIEC 031 |
| Subject | Consolidated Reports of Condition and Income for A Bank with Domestic and Foreign Offices (FFIEC 031) |
| Author | Federal Reserve Board |
| File Modified | 2025-12-16 |
| File Created | 2018-06-28 |