Consolidated Reports of Condition and Income for A Bank .../PDF/FFIEC_forms/FFIEC034_199703.pdfConsolidated Reports of Condition and Income for A Bank With Domestic Offices Only and

Consolidated Reports of Condition and Income forA Bank With Domestic Offices Only andTotal Assets of Less Than $100 Million�FFIEC 034

This report form is to be filed by banks with domestic officesonly. Banks with branches and consolidated subsidiaries inU.S. territories and possessions, Edge or Agreementsubsidiaries, foreign branches, consolidated foreignsubsidiaries, or International Banking Facilities must fileFFIEC 031.

Federal Financial Institutions Examination Council

Board of Governors of the Federal Reserve System

OMB Number: 7100-0036

NOTE: The Reports of Condition and Income must be signedby an authorized officer and the Report of Condition must beattested to by not less than two directors (trustees) for Statenonmember banks and three directors for State member andNational banks.

of the named bank do hereby declare that these Reports ofCondition and Income (including the supporting schedules)have been prepared in conformance with the instructionsissued by the appropriate Federal regulatory authority andare true to the best of my knowledge and belief.

The Reports of Condition and Income are to be prepared inaccordance with Federal regulatory authority instructions.NOTE: These instructions may in some cases differ fromgenerally accepted accounting principles.

We, the undersigned directors (trustees), attest to the cor-rectness of this Report of Condition (including the supportingschedules) and declare that it has been examined by us andto the best of our knowledge and belief has been prepared inconformance with the instructions issued by the appropriateFederal regulatory authority and is true and correct.

I,

Name and Title of Officer Authorized to Sign Report

This report is required by law: 12 U.S.C. §324 (Statemember banks); 12 U.S.C. §1817 (State nonmember banks);and 12 U.S.C. §161 (National banks).

State Member Banks: Return the original and one copy to theappropriate Federal Reserve District Bank.

State Nonmember Banks: Return the original only in thespecial return address envelope provided. If express mail isused in lieu of the special return address envelope, return theoriginal only to the FDIC, c/o Quality Data Systems, 2127Espey Court, Suite 204, Crofton, MD 21114.

Director (Trustee)

Director (Trustee)

Director (Trustee)

1Please refer to page i,

Table of Contents, for

the required disclosure

of estimated burden.

FDIC Certificate Number Banks should affix the address label in this space.

Board of Governors of the Federal Reserve System, Federal Deposit Insurance Corporation, Office of the Comptroller of the Currency

National Banks: Return the original only in the special return

address envelope provided. If express mail is used in lieu ofthe special return address envelope, return the original onlyto the FDIC, c/o Quality Data Systems, 2127 Espey Court,Suite 204, Crofton, MD 21114.

For Banks Submitting Hard Copy Report Forms:

(RCRI 9050)

Federal Deposit Insurance Corporation


Office of the Comptroller of the Currency


Expires March 31, 1999

Date of Signature

Signature of Officer Authorized to Sign Report

Legal Title of Bank (TEXT 9010)

City (TEXT 9130)

State Abbrev. (TEXT 9200) ZIP Code (TEXT 9220)

(970331)(RCRI 9999)Report at the close of business March 31, 1997

Cover

RI-1, 2, 3

RI-3

RI-4, 5

RI-5, 6

RC-1, 2

RC-3, 4

RC-5, 6

RC-6a, 6b

RC-7, 8

RC-9

RC-9

RC-10

RC-11, 12

RC-13, 14

RC-15

RC-16, 17

RC-18, 19

RC-20

Consolidated Reports of Condition and Income for

A Bank With Domestic Offices Only and Total Assets Less Than $100 Million

Table of Contents

Signature Page

Report of Income

Schedule RI�Income Statement .................

Schedule RI-A�Changes in Equity Capital ...........

Schedule RI-B�Charge-offs and Recoveries and

Changes in Allowance for Loan and Lease

Losses .....................................................

Schedule RI-E�Explanations ..........................

Disclosure of Estimated Burden

The estimated average burden associated with this information collection is

34.1 hours per respondent and is estimated to vary from 15 to 400 hours per

response, depending on individual circumstances. Burden estimates include the

time for reviewing instructions, gathering and maintaining data in the required

form, and completing the information collection, but exclude the time for

compiling and maintaining business records in the normal course of a

respondent's activities. A Federal agency may not conduct or sponsor, and an

organization (or a person) is not required to respond to a collection of

information, unless it displays a currently valid OMB control number.

Comments concerning the accuracy of this burden estimate and suggestions

for reducing this burden should be directed to the Office of Information and

Regulatory Affairs, Office of Management and Budget, Washington, D.C.

20503, and to one of the following:

Secretary

Board of Governors of the Federal Reserve System

Washington, D.C. 20551

Legislative and Regulatory Analysis Division

Office of the Comptroller of the Currency


Assistant Executive Secretary

Federal Deposit Insurance Corporation


2

For information or assistance, national and state nonmember banks should contact the FDIC�s Call Reports Analysis Unit,

550 17th Street, NW, Washington, D.C. 20429, toll free on (800) 688-FDIC(3342), Monday through Friday between

8:00 a.m. and 5:00 p.m., Eastern time. State member banks should contact their Federal Reserve District Bank.

FFIEC 034Page i

Report of Condition

Schedule RC�Balance Sheet ........................

Schedule RC-B�Securities ...........................

Schedule RC-C�Loans and Lease Financing

Receivables:

Part I. Loans and Leases ...........................

Part II. Loans to Small Businesses and

Small Farms (included in the forms for

June 30 only) ...................................

Schedule RC-E�Deposit Liabilities .................

Schedule RC-F�Other Assets ...........................

Schedule RC-G�Other Liabilities .......................

Schedule RC-K�Quarterly Averages ................

Schedule RC-L�Off-Balance Sheet

Items ..................................................

Schedule RC-M�Memoranda ....................

Schedule RC-N�Past Due and Nonaccrual

Loans, Leases, and Other Assets .................

Schedule RC-O�Other Data for Deposit

Insurance and FICO Assessments ...........

Schedule RC-R�Regulatory Capital ............

Optional Narrative Statement Concerning

the Amounts Reported in the Reports

of Condition and Income .............................

Special Report (to be completed by all banks)

Schedule RC-J�Repricing Opportunities (sent only to

and to be completed only by savings banks)

1. Interest income:

a. Interest and fee income on loans :

(1) Total loans (to be completed only by those banks with less than $25 million in

total assets) ...................................................................................................................

The following four items are to be completed only by those banks with $25 million or more

in total assets :

(2) Real estate loans .............................................................................................................

(3) Installment loans .............................................................................................................

(4) Credit cards and related plans ............................................................................................

(5) Commercial (time and demand) and all other loans ................................................................

b. Income from lease financing receivables ..................................................................................

c. Interest income on balances due from depository institutions³ .....................................................

d. Interest and dividend income on securities:

(1) Securities issued by states and political subdivisions in the U.S.:

(a) Taxable securities .......................................................................................................

(b) Tax-exempt securities ..................................................................................................

(2) U.S. Government and other debt securities ..........................................................................

(3) Equity securities (including investments in mutual funds) .......................................................

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

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

g. Total interest income (sum of items 1.a through 1.f) .................................................................

1,2

1,2

Consolidated Report of Income

for the period January 1, 1997�March 31, 1997

Dollar Amounts in Thousands

1.a.(1)

1.a.(2)

1.a.(3)

1.a.(4)

1.a.(5)

1.b.

1.c.

1.d.(1)(a)

1.d.(1)(b)

1.d.(2)

1.d.(3)

1.e.

1.f.

1.g.

RIAD4010

RIAD4246

RIAD4247

RIAD4248

RIAD4249

RIAD4065

RIAD4115

RIAD4506

RIAD4507

RIAD3660

RIAD3659

RIAD4069

RIAD4020

RIAD4107

All Report of Income schedules are to be reported on a calendar year-to-date basis in thousands of dollars.

Schedule RI�Income Statement

3

I180

ThouMil

4

4

FDIC Certificate Number

Affix the address label in this space.

Legal Title of Bank

City

Zip CodeState

FFIEC 034Page RI-1

¹ See instructions for loan classifications used in this schedule.

² The $25 million asset size test is generally based on the total assets reported on the June 30, 1996 Report of Condition.

³ Includes interest income on time certificates of deposit not held for trading.

Report interest income on �term federal funds sold� in Schedule RI, item 1.a., �Interest and fee income on loans.�

*

2.a.(1)

2.a.(2)(a)

2.a.(2)(b)

2.a.(2)(c)

2.a.(2)(d)

2.b.

2.c.

2.e.

2.f.

5.a.

5.b.(1)

5.b.(2)

7.a.

7.b.

7.c.

2. Interest expense:

a. Interest on deposits:

(1) Transaction accounts (NOW accounts, ATS accounts, and telephone

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

(2) Nontransaction accounts:

(a) Money market deposit accounts (MMDAs) ....................................................

(b) Other savings deposits .............................................................................

(c) Time deposits of $100,000 or more ...........................................................

(d) Time deposits of less than $100,000 ..........................................................

b. Expense of federal funds purchased¹ and securities sold under agreements

to repurchase ....................................................................................................

c. Interest on demand notes issued to the U.S. Treasury, trading liabilities,

and other borrowed money .....................................................................................

d. Not applicable

e. Interest on subordinated notes and debentures ........................................................

f. Total interest expense (sum of items 2.a through 2.e) ..............................................

3. Net interest income (item 1.g minus 2.f) ...................................................................

4. Provisions:

a. Provision for loan and lease losses .......................................................................

b. Provision for allocated transfer risk ......................................................................

5. Noninterest income:

a. Service charges on deposit accounts ....................................................................

b. Other noninterest income:

(1) Other fee income ..........................................................................................

(2) All other noninterest income* .........................................................................

c. Total noninterest income (sum of items 5.a and 5.b) ...............................................

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

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

7. Noninterest expense:

a. Salaries and employee benefits ............................................................................

b. Expenses of premises and fixed assets (net of rental income)

(excluding salaries and employee benefits and mortgage interest) ..............................

c. Other noninterest expense* ................................................................................

d. Total noninterest expense (sum of items 7.a through 7.c) ........................................

8. Income (loss) before income taxes and extraordinary items and other adjustments

(item 3 plus or minus items 4.a, 4.b, 5.c, 6.a, 6.b, and 7.d) .......................................

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

10. Income (loss) before extraordinary items and other adjustments (item 8 minus 9) ...........

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

12. Net income (loss) (sum of items 10 and 11) ..............................................................

RIAD4243

RIAD4230

RIAD4074


RIAD4508

RIAD4509

RIAD4511

RIADA517

RIADA518

RIAD4180

RIAD4185

RIAD4200

RIAD4073

RIAD4080

RIAD5407

RIAD5408

RIAD4135

RIAD4217

RIAD4092

Schedule RI�Continued

4

Year-to-date

3.

4.a.

4.b.

5.c.

6.a.

6.b.

7.d.

8.

9.

10.

11.

12.

RIAD4079

RIAD3521

RIAD3196

RIAD4093

RIAD4301

RIAD4302

RIAD4300

RIAD4320

RIAD4340

ThouMil

FFIEC 034Page RI-2

¹ Report the expense of �term federal funds purchased� in Schedule RI, item 2.c,

�Interest on demand notes issued to the U.S. Treasury, trading liabilities, and other borrowed money.�

Describe on Schedule RI-E�Explanations.

Memoranda

1. Interest expense incurred to carry tax-exempt securities, loans, and leases acquired after

August 7, 1986, that is not deductible for federal income tax purposes .................................................

2. Income from the sale and servicing of mutual funds and annuities (included in

Schedule RI, item 8) ........................................................................................................................

3. Estimated income on tax-exempt loans and leases to states and political subdivisions in the U.S.

(reportable in Schedule RC-C, part I, items 7 and 9) included in Schedule RI, items 1.a and 1.b,

above (excludes income on tax-exempt securities) .............................................................................

4. Number of full-time equivalent employees at end of current period (round to nearest

whole number) ..............................................................................................................................

5. Cash dividends declared during the calendar year to date

(to be reported only with March, June, and September Reports of Income) ...........................................

6. To be completed by banks with $25 million or more in total assets and with loans to finance

agricultural production and other loans to farmers (Schedule RC-C, part I, item 3) exceeding

five percent of total loans.²

Interest and fee income on agricultural loans¹ (included in item 1.a above) ............................................

7. If the reporting bank has restated its balance sheet as a result of applying push down

accounting this calendar year, report the date of the bank�s acquisition .......................................

8.�10. Not applicable

11. Does the reporting bank have a Subchapter S election in effect for federal income tax purposes

for the current tax year? ..................................................................................................................

12. Deferred portion of total applicable income taxes included in Schedule RI, items 9 and 11

(to be reported with the December Report of Income) .......................................................................

RIAD4513

RIAD8431

RIAD4313

RIAD4150

RIAD4475

RIAD4251

5

Schedule RI�Continued

ThouMil

M.1.

M.2.

M.3.

M.4.

M.5.

M.6.

M.7.

M.11.

M.12.

Year-to-date

Dollar Amounts in Thousands ThouMil

YYDD

I181

Number

MMRIAD9106


² The $25 million asset size test and the five percent of total loans test are generally based on the total assets reported on the

June 30, 1996 Report of Condition.

FFIEC 034Page RI-3

Indicate decreases and losses in parentheses.

1. Total equity capital originally reported in the December 31, 1996, Reports of Condition and Income ........

2. Equity capital adjustments from amended Reports of Income, net* .....................................................

3. Amended balance end of previous calendar year (sum of items 1 and 2) ..............................................

4. Net income (loss) (must equal Schedule RI, item 12) .........................................................................

5. Sale, conversion, acquisition, or retirement of capital stock, net ..........................................................

6. Changes incident to business combinations, net ................................................................................

7. LESS: Cash dividends declared on preferred stock ........................................................................

8. LESS: Cash dividends declared on common stock .........................................................................

9. Cumulative effect of changes in accounting principles from prior years* (see instructions for

this schedule) ...........................................................................................................................

10. Corrections of material accounting errors from prior years* (see instructions for this schedule) ..........

11. Change in net unrealized holding gains (losses) on available-for-sale securities .................................

12. Other transactions with parent holding company* (not included in items 5, 7, or 8 above) ................

13. Total equity capital end of current period (sum of items 3 through 12) (must equal

Schedule RC, item 28.a) ...........................................................................................................

*Describe on Schedule RI-E�Explanations.

Dollar Amounts in ThousandsRIAD3215

RIAD3216

RIAD3217

RIAD4340

RIAD4346

RIAD4356

RIAD4470

RIAD4460

RIAD4411

RIAD4412

RIAD8433

RIAD4415

RIAD3210

1.

2.

3.

4.

5.

6.

7.

8.

9.

10.

11.

12.

13.

I183

ThouMil

Schedule RI-A�Changes in Equity Capital

Schedule RI-A is to be reported with the December Report of Income.

RIADA530

RIAD4772

ThouMil

NOYES

Legal Title of Bank


1. Real estate loans ...............................................................................................

2. Installment loans ...............................................................................................

3. Credit cards and related plans .............................................................................

4. Commercial (time and demand) and all other loans .................................................

5. Lease financing receivables .................................................................................

6. Total (sum of items 1 through 5) .........................................................................

Memoranda

1. To be completed by banks with loans to finance agricultural production and

other loans to farmers (Schedule RC-C, part I, item 3) exceeding five percent

of total loans.

Agricultural loans included in part I, items 1 through 4, above .................................


4. Loans to finance commercial real estate, construction, and land development

activities (not secured by real estate) included in Schedule RI-B, part I,

items 2 through 4, above ..................................................................................

5. Real estate loans (sum of Memorandum items 5.a through 5.e must equal

Schedule RI-B, part I, item 1, above):

a. Construction and land development .................................................................

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

c. Secured by 1�4 family residential properties:

(1) Revolving, open-end loans secured by 1�4 family residential properties

and extended under lines of credit ...............................................................

(2) All other loans secured by 1�4 family residential properties ...........................

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

e. Secured by nonfarm nonresidential properties ...................................................

RIAD4269

RIAD5444

RIAD5446

RIAD5448

RIAD5450

RIAD5452

RIAD5454

RIAD5456

RIAD4268

RIAD5443

RIAD5445

RIAD5447

RIAD5449

RIAD5451

RIAD5453

RIAD5455


FFIEC 034Page RI-4

6

RIAD4257

RIAD4259

RIAD4263

RIAD4265

RIAD4267

RIAD4605


I186

Calendar year-to-date

(Column A)Charge-offs

(Column B)Recoveries

Schedule RI-B�Charge-offs and Recoveries and Changes in Allowance

for Loan and Lease Losses

Part I. Charge-offs and Recoveries on Loans and Leases¹

RIAD4256

RIAD4258

RIAD4262

RIAD4264

RIAD4266

RIAD4635

1.

2.

3.

4.

5.

6.

M.1.

M.4.

M.5.a.

M.5.b.

M.5.c.(1)

M.5.c.(2)

M.5.d.

M.5.e.

ThouMilThouMil

Dollar Amounts in Thousands ThouMilThouMil

1. All other noninterest income (from Schedule RI, item 5.b.(2))

Report amounts that exceed 10% of Schedule RI, item 5.b.(2):

a. Net gains (losses) on other real estate owned ..................................................................................

b. Net gains (losses) on sales of loans ................................................................................................

c. Net gains (losses) on sales of premises and fixed assets ...................................................................

Itemize and describe the three largest other amounts that exceed 10% of Schedule RI, item 5.b.(2):

d.

e.

f.

2. Other noninterest expense (from Schedule RI, item 7.c):

a. Amortization expense of intangible assets ........................................................................................

Report amounts that exceed 10% of Schedule RI, item 7.c:

b. Net (gains) losses on other real estate owned ..................................................................................

c. Net (gains) losses on sales of loans ................................................................................................

d. Net (gains) losses on sales of premises and fixed assets ...................................................................

Itemize and describe the three largest other amounts that exceed 10% of Schedule RI, item 7.c:

e.

f.

g.

1. Balance originally reported in the December 31, 1996, Reports of Condition and Income ..........................

2. Recoveries (must equal part I, item 6, column B above) .......................................................................

3. LESS: Charge-offs (must equal part I, item 6, column A above) .............................................................

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

5. Adjustments* (see instructions for this schedule) .................................................................................

6. Balance end of current period (sum of items 1 through 5) (must equal Schedule RC, item 4.b) .................

Part II. Changes in Allowance for Loan and Lease Losses

7Legal Title of Bank


Schedule RI-B�Continued

RIAD3124

RIAD4605

RIAD4635

RIAD4230

RIAD4815

RIAD3123


1.

2.

3.

4.

5.

6.

*Describe on Schedule RI-E�Explanations

ThouMil

Part II is to be reported with the December Report of Income.

RIAD5415

RIAD5416

RIAD5417

RIAD4461

RIAD4462

RIAD4463

RIAD4531

RIAD5418

RIAD5419

RIAD5420

RIAD4464

RIAD4467

RIAD4468

1.a.

1.b.

1.c.

1.d.

1.e.

1.f.

2.a.

2.b.

2.c.

2.d.

2.e.

2.f.

2.g.


Year-to-date

Schedule RI-E is to be completed each quarter on a calendar year-to-date basis.

Schedule RI-E�Explanations

Detail all adjustments in Schedule RI-A and RI-B, all extraordinary items and other adjustments in Schedule RI, and all

significant items of other noninterest income and other noninterest expense in Schedule RI. (See instructions for details.)

TEXT4464

TEXT4467

TEXT4468

TEXT4461

TEXT4462

TEXT4463

I195

ThouMil

FFIEC 034Page RI-5

3. Extraordinary items and other adjustments and applicable income tax effect (from Schedule RI,

item 11) (itemize and describe all extraordinary items and other adjustments):

a. (1)

(2) Applicable income tax effect

b. (1)


c. (1)


4. Equity capital adjustments from amended Reports of Income (from Schedule RI-A, item 2)

(itemize and describe all adjustments):

a.

b.

5. Cumulative effect of changes in accounting principles from prior years

(from Schedule RI-A, item 9) (itemize and describe all changes in accounting principles):

a. Effect of change to GAAP from previous non-GAAP instructions

b.

6. Corrections of material accounting errors from prior years (from Schedule RI-A, item 10)

(itemize and describe all corrections):

a.

b.

7. Other transactions with parent holding company (from Schedule RI-A, item 12)

(itemize and describe all such transactions):

a.

b.

8. Adjustments to allowance for loan and lease losses (from Schedule RI-B, part II, item 5)

(itemize and describe all adjustments):

a.

b.

9. Other explanations (the space below is provided for the bank to briefly describe, at its option,

any other significant items affecting the Report of Income):

No comment (RIAD 4769)

Other explanations (please type or print clearly):

(TEXT 4769)

RIAD4469

RIAD4487

RIAD4489

RIAD4492

RIAD4493

RIADA546

RIAD4495

RIAD4496

RIAD4497

RIAD4498

RIAD4499

RIAD4521

RIAD4522


Schedule RI-E�Continued

TEXT4492

TEXT4493

TEXTA546

TEXT4495

TEXT4496

TEXT4497

TEXT4469

TEXT4487

TEXT4489

8

3.a.(1)

3.a.(2)

3.b.(1)

3.b.(2)

3.c.(1)

3.c.(2)

4.a.

4.b.

5.a.

5.b.

6.a.

6.b.

7.a.

7.b.

8.a.

8.b.

Year-to-date

RIAD4486

RIAD4488

RIAD4491

ThouMil

TEXT4498

TEXT4499

TEXT4521

TEXT4522

I198 I199

FFIEC 034Page RI-6

ASSETS

1. Cash and balances due from depository institutions:

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

b. Interest-bearing balances³ .............................................................................................................

2. Securities:

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

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

3. Federal funds sold and securities purchased under agreements to resell ..............................................

4. Loans and lease financing receivables:

a. Loans and leases, net of unearned income (from Schedule RC-C) ..............................

b. LESS: Allowance for loan and lease losses ............................................................

c. LESS: Allocated transfer risk reserve ....................................................................

d. Loans and leases, net of unearned income, allowance, and reserve (item 4.a

minus 4.b and 4.c) .....................................................................................................................

5. Trading assets ................................................................................................................................

6. Premises and fixed assets (including capitalized leases) ......................................................................

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

8. Investments in unconsolidated subsidiaries and associated companies (from Schedule RC-M) ...................

9. Customers' liability to this bank on acceptances outstanding ...............................................................

10. Intangible assets (from Schedule RC-M) ............................................................................................

11. Other assets (from Schedule RC-F) ...................................................................................................

12. a. Total assets (sum of items 1 through 11) .......................................................................................

b. Losses deferred pursuant to 12 U.S.C. 1823(j) ...............................................................................

c. Total assets and losses deferred pursuant to 12 U.S.C. 1823(j) (sum of items 12.a and 12.b) ..............

1.a.

1.b.

2.a.

2.b.

3.

4.a.

4.b.

4.c.

4.d.

5.

6.

7.

8.

9.

10.

11.

12.a.

12.b.

12.c.

Consolidated Report of Condition for Insured Commercial

and State-Chartered Savings Banks for March 31, 1997


RCON0081

RCON0071

RCON1754

RCON1773

RCON1350

RCON2125

RCON3545

RCON2145

RCON2150

RCON2130

RCON2155

RCON2143

RCON2160

RCON2170

RCON0306

RCON0307

All schedules are to be reported in thousands of dollars. Unless otherwise indicated,

report the amount outstanding as of the last business day of the quarter.

Schedule RC�Balance Sheet

RCON2122

RCON3123

RCON3128

FFIEC 034Page RC-1

9


Legal Title of Bank

City

Zip CodeState


ThouMil

C100

1,2

4

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

² The amount reported in this item must be greater than or equal to the sum of Schedule RC-M, items 3.a and 3.b.

³ Includes time certificates of deposit not held for trading.

Report �term federal funds sold� in Schedule RC, item 4.a, �Loans and leases, net of unearned income,� and in Schedule RC-C, part I.4

LIABILITIES

13. Deposits:

a. In domestic offices (sum of totals of columns A and C from Schedule RC-E) .................................

(1) Noninterest-bearing¹ .................................................................................

(2) Interest-bearing .......................................................................................

b. In foreign offices, Edge and Agreement subsidiaries, and IBFs .....................................................

(1) Noninterest-bearing ............................................................................................................

(2) Interest-bearing .................................................................................................................

14. Federal funds purchased² and securities sold under agreements to repurchase ..................................

15. a. Demand notes issued to the U.S. Treasury ................................................................................

b. Trading liabilities ....................................................................................................................

16. Other borrowed money (includes mortgage indebtedness and obligations under capitalized leases):

a. With a remaining maturity of one year or less ............................................................................

b. With a remaining maturity of more than one year .......................................................................

17. Not applicable

18. Bank's liability on acceptances executed and outstanding ...............................................................

19. Subordinated notes and debentures³ ...............................................................................................

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

21. Total liabilities (sum of items 13 through 20) .................................................................................

22. Not applicable

EQUITY CAPITAL

23. Perpetual preferred stock and related surplus .................................................................................

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

25. Surplus (exclude all surplus related to preferred stock) ....................................................................

26. a. Undivided profits and capital reserves .......................................................................................

b. Net unrealized holding gains (losses) on available-for-sale securities ..............................................

27. Cumulative foreign currency translation adjustments ......................................................................

28. a. Total equity capital (sum of items 23 through 27) ......................................................................

b. Losses deferred pursuant to 12 U.S.C. 1823(j) ...........................................................................

c. Total equity capital and losses deferred pursuant to 12 U.S.C. 1823(j) (sum of items 28.a

and 28.b) ..............................................................................................................................

29. Total liabilities, limited-life preferred stock, equity capital, and losses deferred pursuant to

12 U.S.C. 1823(j) (sum of items 21 and 28.c) .............................................................................

Memorandum

To be reported only with the March Report of Condition.

1. Indicate in the box at the right the number of the statement below that best describes the

most comprehensive level of auditing work performed for the bank by independent external

auditors as of any date during 1996 .................................................................................................


RCON2200

RCON2800

RCON2840

RCON3548

RCON2332

RCON2333

RCON2920

RCON3200

RCON2930

RCON2948

RCON3838

RCON3230

RCON3839

RCON3632

RCON8434

RCON3210

RCON0306

RCON3559

RCON2257

Schedule RC�Continued

¹ Includes total demand deposits and noninterest-bearing time and savings deposits.

² Report �term federal funds purchased� in Schedule RC, item 16, �Other borrowed money.�

³ Includes limited-life preferred stock and related surplus.

1 = Independent audit of the bank conducted in accordance with

generally accepted auditing standards by a certified public

accounting firm which submits a report on the bank

2 = Independent audit of the bank's parent holding company con-

ducted in accordance with generally accepted auditing standards

by a certified public accounting firm which submits a report on the

consolidated holding company (but not on the bank separately)

3 =Directors' examination of the bank conducted in accordance with

generally accepted auditing standards by a certified public

accounting firm (may be required by state chartering authority)

4 =Directors' examination of the bank performed by other external

auditors (may be required by state chartering authority)

5 =Review of the bank's financial statements by external auditors

6 =Compilation of the bank's financial statements by external

auditors

7 =Other audit procedures (excluding tax preparation work)

8 =No external audit work

13.a.

13.a.(1)

13.a.(2)

14.

15.a.

15.b.

16.a.

16.b.

18.

19.

20.

21.

23.

24.

25.

26.a.

26.b.

28.a.

28.b.

28.c.

29.

M.1.

RCON6631

RCON6636

RCON6724

Number

FFIEC 034Page RC-2

10

ThouMil

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

2. U.S. Government agency obligations

(exclude mortgage-backed securities):

a. Issued by U.S. Government agencies² .....................

b. Issued by U.S. Government-sponsored

agencies³ ...........................................................

3. Securities issued by states and political

subdivisions in the U.S.:

a. General obligations ..............................................

b. Revenue obligations ............................................

c. Industrial development and similar obligations .........

4. Mortgage-backed securities (MBS):

a. Pass-through securities:

(1) Guaranteed by GNMA ....................................

(2) Issued by FNMA and FHLMC ..........................

(3) Other pass-through securities ...........................

b. Other mortgage-backed securities (include

CMOs, REMICs, and stripped MBS):

(1) Issued or guaranteed by FNMA,

FHLMC, or GNMA .........................................

(2) Collateralized by MBS issued or guaranteed

by FNMA, FHLMC, or GNMA ..........................

(3) All other mortgage-backed securities.................

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

6. Equity securities:

a. Investments in mutual funds and other equity

securities with readily determinable fair values ......

b. All other equity securities¹ (includes Federal

Reserve stock) ....................................................

7. Total (sum of items 1 through 6) (total of

column A must equal Schedule RC, item 2.a)

(total of column D must equal Schedule RC,

item 2.b) ..............................................................

FFIEC 034Page RC-3

11

RCON1287

RCON1293

RCON1298

RCON1679

RCON1691

RCON1697

RCON1702

RCON1707

RCON1713

RCON1717

RCON1732

RCON1736

RCON1777

RCONA511

RCON1753

RCON1773

RCON1286

RCON1291

RCON1297

RCON1678

RCON1690

RCON1696

RCON1701

RCON1706

RCON1711

RCON1716

RCON1731

RCON1735

RCON1776

RCONA510

RCON1752

RCON1772

RCON0213

RCON1290

RCON1295

RCON1677

RC0N1686

RCON1695

RCON1699

RCON1705

RCON1710

RCON1715

RCON1719

RCON1734

RCON1775

RCON1771

RCON0211

RCON1289

RCON1294

RCON1676

RCON1681

RCON1694

RCON1698

RCON1703

RCON1709

RCON1714

RCON1718

RCON1733

RCON1774

RCON1754

Schedule RC-B�Securities

Exclude assets held for trading.

Held-to-maturity Available-for-sale

(Column A)Amortized Cost

(Column B)Fair Value

(Column C)Amortized Cost

(Column D)Fair Value¹

1.

2.a.

2.b.

3.a.

3.b.

3.c.

4.a.(1)

4.a.(2)

4.a.(3)

4.b.(1)

4.b.(2)

4.b.(3)

5.

6.a.

6.b.

7.


C110

ThouMilThouMilThouMilThouMil

¹ Includes equity securities without readily determinable fair values at historical cost in item 6.b, column D.

² Includes Small Business Administration �Guaranteed Loan Pool Certificates,� U.S. Maritime Administration obligations, and Export-Import Bank

participation certificates.

³ Includes obligations (other than mortgage-backed securities) issued by the Farm Credit System, the Federal Home Loan Bank System, the Federal

Home Loan Mortgage Corporation, the Federal National Mortgage Association, the Financing Corporation, Resolution Funding Corporation, the

Student Loan Marketing Association, and the Tennessee Valley Authority.

Memoranda

1. Pledged securities¹ ....................................................................................................................

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

a. Fixed rate debt securities with a remaining maturity of:

(1) Three months or less ..........................................................................................................

(2) Over three months through 12 months .................................................................................

(3) Over one year through five years .........................................................................................

(4) Over five years ..................................................................................................................

(5) Total fixed rate debt securities (sum of Memorandum items 2.a.(1) through 2.a.(4)) ...................

b. Floating rate debt securities with a repricing frequency of:

(1) Quarterly or more frequently ................................................................................................

(2) Annually or more frequently, but less frequently than quarterly ................................................

(3) Every five years or more frequently, but less frequently than annually ........................................

(4) Less frequently than every five years ....................................................................................

(5) Total floating rate debt securities (sum of Memorandum items 2.b.(1) through 2.b.(4)) ...............

c. Total debt securities (sum of Memorandum items 2.a.(5) and 2.b.(5)) (must equal total

debt securities from Schedule RC-B, sum of items 1 through 5, columns A and D, minus

nonaccrual debt securities included in Schedule RC-N, item 6, column C) ......................................


6. Floating rate debt securities with a remaining maturity of one year or less (included in

Memorandum items 2.b.(1) through 2.b.(4) above) ........................................................................

7. Amortized cost of held-to-maturity securities sold or transferred to available-for-sale or

trading securities during the calendar year-to-date (report the amortized cost at date of sale

or transfer) ................................................................................................................................

8. High-risk mortgage securities (included in the held-to-maturity and available-for-sale

accounts in Schedule RC-B, item 4.b):

a. Amortized cost .......................................................................................................................

b. Fair value ...............................................................................................................................

9. Structured notes (included in the held-to-maturity and available-for-sale accounts in

Schedule RC-B, items 2, 3, and 5):

a. Amortized cost .......................................................................................................................

b. Fair value ..............................................................................................................................

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

² Exclude equity securities, e.g., investments in mutual funds, Federal Reserve stock, common stock, and preferred stock.

³ Memorandum items 2 and 6 are not applicable to savings banks that must complete supplemental Schedule RC-J.


Schedule RC-B�Continued

RCON0416

RCON0343

RCON0344

RCON0345

RCON0346

RCON0347

RCON4544

RCON4545

RCON4551

RCON4552

RCON4553

RCON0393

RCON5519

RCON1778

RCON8780

RCON8781

RCON8782

RCON8783

M.1.

M.2.a.(1)

M.2.a.(2)

M.2.a.(3)

M.2.a.(4)

M.2.a.(5)

M.2.b.(1)

M.2.b.(2)

M.2.b.(3)

M.2.b.(4)

M.2.b.(5)

M.2.c.

M.6.

M.7.

M.8.a.

M.8.b.

M.9.a.

M.9.b.

1, 2, 3

FFIEC 034Page RC-4



C112

ThouMil

1, 3

1. Loans secured by real estate:

a. Construction and land development .......................................................................................

b. Secured by farmland (including farm residential and other improvements) ...................................


(1) Revolving, open-end loans secured by 1�4 family residential properites and extended

under lines of credit ........................................................................................................

(2) All other loans secured by 1�4 family residential properties:

(a) Secured by first liens .................................................................................................

(b) Secured by junior liens ...............................................................................................

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

e. Secured by nonfarm nonresidential properties ..........................................................................

2. Loans to depository institutions ................................................................................................

3. Loans to finance agricultural production and other loans to farmers ...............................................

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

5. Acceptances of other banks .....................................................................................................

6. Loans to individuals for household, family, and other personal expenditures (i.e., consumer

loans) (includes purchased paper):

a. Credit cards and related plans (includes check credit and other revolving credit plans) ..................

b. Other (includes single payment, installment, and all student loans) .............................................

7. Obligations (other than securities and leases) of states and political subdivisions in the U.S.

(includes nonrated industrial development obligations) .................................................................

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

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

10. LESS: Any unearned income on loans reflected in items 1�8 above ...............................................

11. Total loans and leases, net of unearned income (sum of items 1 through 9 minus item 10)

(must equal Schedule RC, item 4.a) ..........................................................................................

1.a.

1.b.

1.c.(1)

1.c.(2)(a)

1.c.(2)(b)

1.d.

1.e.

2.

3.

4.

5.

6.a.

6.b.

7.

8.

9.

10.

11.

FFIEC 034Page RC-5

RCON1415

RCON1420

RCON1797

RCON5367

RCON5368

RCON1460

RCON1480

RCON1489

RCON1590

RCON1766

RCON1755

RCON2008

RCON2011

RCON2107

RCON2080

RCON2165

RCON2123

RCON2122


13

Schedule RC-C�Loans and Lease Financing Receivables

Do not deduct the allowance for loan and lease losses from amounts reported in this schedule.

Report total loans and leases, net of unearned income. Exclude assets held for trading and commercial paper.

Part I. Loans and Leases

C115

ThouMil

1. Loans¹ and leases restructured and in compliance with modified terms (included in

Schedule RC-C, part I, above and not reported as past due or nonaccrual in Schedule RC-N,

Memorandum item 1):

a. Real estate loans ...................................................................................................................

b. All other loans and all lease financing receivables (exclude loans to individuals for

household, family, and other personal expenditures) .................................................................

2. Maturity and repricing data for loans and leases² (excluding those in nonaccrual status):

a. Fixed rate loans and leases with a remaining maturity of:

(1) Three months or less .......................................................................................................

(2) Over three months through 12 months ..............................................................................

(3) Over one year through five years .......................................................................................

(4) Over five years ................................................................................................................

(5) Total fixed rate loans and leases (sum of Memorandum items 2.a.(1) through 2.a.(4)) ..............

b. Floating rate loans with a repricing frequency of:

(1) Quarterly or more frequently ............................................................................................

(2) Annually or more frequently, but less frequently than quarterly .............................................

(3) Every five years or more frequently, but less frequently than annually .....................................

(4) Less frequently than every five years .................................................................................

(5) Total floating rate loans (sum of Memorandum items 2.b.(1) through 2.b.(4)) .........................

c. Total loans and leases (sum of Memorandum items 2.a.(5) and 2.b.(5)) (must equal

the sum of total loans and leases, net, from Schedule RC-C, part I, item 11,

plus unearned income from Schedule RC-C, part I, item 10, minus total nonaccrual loans

and leases from Schedule RC-N, sum of items 1 through 5, column C) ........................................

d. Floating rate loans with a remaining maturity of one year or less (included in

Memorandum items 2.b.(1) through 2.b.(4) above) ....................................................................

3. Reserved

4. Loans to finance commercial real estate, construction, and land development activities

(not secured by real estate) included in Schedule RC-C, part I, items 4 and 8, page RC-5³ .................

5. Loans and leases held for sale (included in Schedule RC-C, part I, above) ........................................

6. Adjustable rate closed-end loans secured by first liens on 1�4 family residential properties

(included in Schedule RC-C, part I, item 1.c.(2)(a), page RC-5) ......................................................

FFIEC 034Page RC-6


14

Schedule RC-C�Continued

Memoranda

Part I. Continued

¹ See instructions for loan classifications used in Memorandum item 1.² Memorandum item 2 is not applicable to savings banks that must complete supplemental Schedule RC-J.³ Exclude loans secured by real estate that are included in Schedule RC-C, part I, items 1.a through 1.e.

M.1.a.

M.1.b.

M.2.a.(1)

M.2.a.(2)

M.2.a.(3)

M.2.a.(4)

M.2.a.(5)

M.2.b.(1)

M.2.b.(2)

M.2.b.(3)

M.2.b.(4)

M.2.b.(5)

M.2.c.

M.2.d.

M.4.

M.5.

M.6.

RCON1617

RCON8691

RCON0348

RCON0349

RCON0356

RCON0357

RCON0358

RCON4554

RCON4555

RCON4561

RCON4564

RCON4567

RCON1479

RCONA246

RCON2746

RCON5369

RCON5370

ThouMil



Legal Title of Bank

City

Zip CodeState

Memoranda

1. Selected components of total deposits (i.e., sum of item 8, columns A and C):

a. Total Individual Retirement Accounts (IRAs) and Keogh Plan accounts ...........................................

b. Total brokered deposits ...........................................................................................................

c. Fully insured brokered deposits (included in Memorandum item 1.b above):

(1) Issued in denominations of less than $100,000 .....................................................................

(2) Issued either in denominations of $100,000 or in denominations greater than

$100,000 and participated out by the broker in shares of $100,000 or less ..............................

d. Maturity data for brokered deposits:

(1) Brokered deposits issued in denominations of less than $100,000 with a remaining

maturity of one year or less (included in Memorandum item 1.c.(1) above) .................................

(2) Brokered deposits issued in denominations of $100,000 or more with a remaining

maturity of one year or less (included in Memorandum item 1.b. above) .....................................

e. Preferred deposits (uninsured deposits of states and political subdivisions in the U.S.

reported in item 3 above which are secured or collateralized as required under state law) ...................

2. Components of total nontransaction accounts (sum of Memorandum items 2.a through 2.c

must equal item 8, column C, above):

a. Savings deposits:

(1) Money market deposit accounts (MMDAs) .............................................................................

(2) Other savings deposits (excludes MMDAs) ............................................................................

b. Total time deposits of less than $100,000 .................................................................................

c. Total time deposits of $100,000 or more ..................................................................................

3. All NOW accounts (included in column A above) ............................................................................

4. Not applicable

Deposits of:

1. Individuals, partnerships, and corporations ......................................

2. U.S. Government ........................................................................

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

4. Commercial banks in the U.S. (including U.S. branches and

agencies of foreign banks) ...........................................................

5. Other depository institutions in the U.S. .........................................

6. Certified and official checks ..........................................................

7. Banks in foreign countries, foreign governments, and foreign

official institutions .......................................................................

8. Total (sum of items 1 through 7) (sum of columns A and C

must equal Schedule RC, item 13.a) ..............................................


RCON6835

RCON2365

RCON2343

RCON2344

RCONA243

RCONA244

RCON5590

RCON6810

RCON0352

RCON6648

RCON2604

RCON2398

Schedule RC-E�Deposit Liabilities

FFIEC 034Page RC-7

15

Transaction Accounts

Nontransaction

Accounts

(Column A)Total

transactionaccounts(including

total demanddeposits)

(Column B)Memo: Total

demanddeposits

(included incolumn A)

(Column C)Total

nontransactionaccounts(includingMMDAs)

RCON2346

RCON2520

RCON2530

RCON2550

RCON2349

RCON2186

RCON2385

RCON2240

RCON2280

RCON2290

RCON2310

RCON2312

RCON2330

RCON2185

RCON2210

RCON2201

RCON2202

RCON2203

RCON2206

RCON2207

RCON2330

RCON2184

RCON2215


C125

ThouMilThouMilThouMil

1.

2.

3.

4.

5.

6.

7.

8.

M.1.a.

M.1.b.

M.1.c.(1)

M.1.c.(2)

M.1.d.(1)

M.1.d.(2)

M.1.e.

M.2.a.(1)

M.2.a.(2)

M.2.b.

M.2.c.

M.3.

ThouMil

5. Maturity and repricing data for time deposits of less than $100,000 (sum of Memorandum

items 5.a.(1) through 5.b.(3) must equal Memorandum item 2.b above):¹

a. Fixed rate time deposits of less than $100,000 with a remaining maturity of:

(1) Three months or less .........................................................................................................

(2) Over three months through 12 months .................................................................................

(3) Over one year ...................................................................................................................

b. Floating rate time deposits of less than $100,000 with a repricing frequency of:


(2) Annually or more frequently, but less frequently than quarterly .................................................

(3) Less frequently than annually ...............................................................................................

c. Floating rate time deposits of less than $100,000 with a remaining maturity of one year or

less (included in Memorandum items 5.b.(1) through 5.b.(3) above) ...............................................

6. Maturity and repricing data for time deposits of $100,000 or more (i.e., time certificates

of deposit of $100,000 or more and open-account time deposits of $100,000 or more)

(sum of Memorandum items 6.a.(1) through 6.b.(4) must equal Memorandum item 2.c above):¹

a. Fixed rate time deposits of $100,000 or more with a remaining maturity of:

(1) Three months or less ..........................................................................................................

(2) Over three months through 12 months ..................................................................................

(3) Over one year through five years ..........................................................................................

(4) Over five years ..................................................................................................................

b. Floating rate time deposits of $100,000 or more with a repricing frequency of:


(2) Annually or more frequently, but less frequently than quarterly ................................................

(3) Every five years or more frequently, but less frequently than annually ......................................

(4) Less frequently than every five years ....................................................................................

c. Floating rate time deposits of $100,000 or more with a remaining maturity of one year or

less (included in Memorandum items 6.b.(1) through 6.b.(4) above) ...............................................


M.5.a.(1)

M.5.a.(2)

M.5.a.(3)

M.5.b.(1)

M.5.b.(2)

M.5.b.(3)

M.5.c.

M.6.a.(1)

M.6.a.(2)

M.6.a.(3)

M.6.a.(4)

M.6.b.(1)

M.6.b.(2)

M.6.b.(3)

M.6.b.(4)

M.6.c.

RCONA225

RCONA226

RCONA227

RCONA228

RCONA229

RCONA230

RCONA231

RCONA232

RCONA233

RCONA234

RCONA235

RCONA236

RCONA237

RCONA238

RCONA239

RCONA240

Schedule RC-E�Continued

¹ Memorandum items 5 and 6 are not applicable to savings banks that must complete supplemental Schedule RC-J.

Memoranda (Continued)

Legal Title of Bank


ThouMil

FFIEC 034Page RC-8

16

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

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

2. Net deferred tax liabilities² .................................................................................................................

3. Minority interest in consolidated subsidiaries .......................................................................................

4. Other (itemize and describe amounts greater than $25,000 that exceed 25% of this item) ........................

a.

b.

c.

5. Total (sum of items 1 through 4) (must equal Schedule RC, item 20) ......................................................

¹ Report income earned, not collected on securities (and on other assets) in item 4 of Schedule RC-F.² See discussion of deferred income taxes in Glossary entry on �income taxes.�³ Report interest-only strips receivable in the form of a security as available-for-sale securities in Schedule RC, item 2.b, or as trading assetsin Schedule RC, item 5, as appropriate.For savings banks, include �dividends� accrued and unpaid on deposits.

1. Income earned, not collected on loans¹ ...............................................................................................

2. Net deferred tax assets² ....................................................................................................................

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

a. Mortgage loans ............................................................................................................................

b. Other financial assets ...................................................................................................................

4. Other (itemize and describe amounts greater than $25,000 that exceed 25% of this item) ........................

a.

b.

c.

5. Total (sum of items 1 through 4) (must equal Schedule RC, item 11) ......................................................

Memorandum

1. Deferred tax assets disallowed for regulatory capital purposes ...............................................................


Schedule RC-F�Other Assets

Schedule RC-G�Other Liabilities

1.

2.

3.a.

3.b.

4.

4.a.

4.b.

4.c.

5.

M.1.

1.a.

1.b.

2.

3.

4.

4.a.

4.b.

4.c.

5.

RCON2164

RCON2148

RCONA519

RCONA520

RCON2168

RCON2160


RCON3645

RCON3646

RCON3049

RCON3000

RCON2938

RCON2930


RCON5610

RCON3549

RCON3550

RCON3551

TEXT3552

TEXT3553

TEXT3554

RCON3552

RCON3553

RCON3554

TEXT3549

TEXT3550

TEXT3551

C130

ThouMil

ThouMil

ThouMil

FFIEC 034Page RC-9

17

C135

4

4

ASSETS

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

2. a. U.S. Treasury securities, U.S. Government agency obligations, and other debt securities

(excluding securities issued by states and political subdivisions in the U.S.) .......................................

b. Equity securities (includes investments in mutual funds and Federal Reserve stock) ...........................

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

4. Federal funds sold and securities purchased under agreements to resell .................................................

5. Loans :

a. Total loans, net of unearned income (to be completed only by those banks with less than

$25 million in total assets) ...........................................................................................................

The following four items are to be completed only by those banks with $25 million or more in

total assets.

b. Real estate loans ........................................................................................................................

c. Installment loans ........................................................................................................................

d. Credit cards and related plans .......................................................................................................

e. Commercial (time and demand) and all other loans ...........................................................................

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

7. Total assets ................................................................................................................................

LIABILITIES

8. Interest-bearing transaction accounts (NOW accounts, ATS accounts, and telephone and

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

9. Nontransaction accounts:

a. Money market deposit accounts (MMDAs) ......................................................................................

b. Other savings deposits ................................................................................................................

c. Time deposits of $100,000 or more .............................................................................................

d. Time deposits of less than $100,000 ...........................................................................................

10. Federal funds purchased and securities sold under agreements to repurchase ..........................................

Memorandum

1. To be completed by banks with $25 million or more in total assets and with loans to finance

agricultural production and other loans to farmers (Schedule RC-C, part I, item 3) exceeding

five percent of total loans.³

Agricultural loans included in items 5.b through 5.e above ...................................................................

¹ For all items, banks have the option of reporting either (1) an average of daily figures for the quarter, or (2) an average of weekly figures

(i.e., the Wednesday of each week of the quarter). In addition, averages of four month-end figures (the last day of the preceding quarter

and of each month of the currently-reported quarter) are allowed for items 2, 3, 5.a through 5.e, 6, 7, and Memorandum item 1.

² See instructions for loan classifications used in this schedule.

³ The $25 million asset size test and the five percent of total loans test are generally based on the total assets and total loans reported on

the June 30, 1996 Report of Condition.

Quarterly averages for all debt securities should be based on amortized cost.

Quarterly averages for all equity securities should be based on historical cost.

The quarterly average for total assets should reflect all debt securities (not held for trading) at amortized cost, equity securities with readily

determinable fair values at the lower of cost or fair value, and equity securities without readily determinable fair values at historical cost.

1.

2.a.

2.b.

3.

4.

5.a.

5.b.

5.c.

5.d.

5.e.

6.

7.

8.

9.a.

9.b.

9.c.

9.d.

10.

M.1.


RCON3381

RCON3649

RCON3648

RCON3383

RCON3365

RCON3360

RCON3286

RCON3287

RCON3288

RCON3289

RCON3484

RCON3368

RCON3485

RCON3486

RCON3487

RCONA514

RCONA529

RCON3353

Schedule RC-K�Quarterly Averages¹

FFIEC 034Page RC-10



C155

ThouMil

4

4

5

2,3

6


RCON3379

5

6

4

ThouMil

1. Unused commitments:

a. Revolving, open-end lines secured by 1�4 family residential properties, e.g., home equity lines ...........

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

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

(1) Commitments to fund loans secured by real estate ...................................................................

(2) Commitments to fund loans not secured by real estate .............................................................

d. Securities underwriting ..............................................................................................................

e. Other unused commitments ........................................................................................................

2. Financial standby letters of credit¹ ...................................................................................................

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

3. Performance standby letters of credit¹ .............................................................................................

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

4. Commercial and similar letters of credit¹ .........................................................................................

5. Not applicable

6. Participations in acceptances (as described in the instructions) acquired by the reporting

(nonaccepting) bank .....................................................................................................................

7. Securities borrowed ......................................................................................................................

8. Securities lent (including customers� securities lent where the customer is indemnified against

loss by the reporting bank) .............................................................................................................

9. Financial assets transferred with recourse that have been treated as sold for Call Report purposes:

a. First lien 1-to-4 family residential mortgage loans:

(1) Outstanding principal balance of mortgages transferred as of the report date .............................

(2) Amount of recourse exposure on these mortgages as of the report date ...................................

b. Other financial assets (excluding small business obligations reported in item 9.c):

(1) Outstanding principal balance of assets transferred as of the report date ..................................

(2) Amount of recourse exposure on these assets as of the report date .........................................

c. Small business obligations transferred with recourse under Section 208 of the Riegle

Community Development and Regulatory Improvement Act of 1994:

(1) Outstanding principal balance of small business obligations transferred as of the

report date ..........................................................................................................................

(2) Amount of retained recourse on these obligations as of the report date .......................................

10. Notional amount of credit derivatives:

a. Credit derivatives on which the reporting bank is the guarantor ......................................................

b. Credit derivatives on which the reporting bank is the beneficiary ....................................................

11. Spot foreign exchange contracts ....................................................................................................

12. All other off-balance sheet liabilities (exclude off-balance sheet derivatives) (itemize and describe

each component of this item over 25% of Schedule RC, item 28.a, �Total equity capital�) ....................

a.

b.

c.

d.

¹ Do not report letters of credit as �contra� items in �Other assets� (Schedule RC-F) and �Other liabilities� (Schedule RC-G).

ThouMilDollar Amounts in Thousands

1.a.

1.b.

1.c.(1)

1.c.(2)

1.d.

1.e.

2.

2.a.

3.

3.a.

4.

6.

7.

8.

9.a.(1)

9.a.(2)

9.b.(1)

9.b.(2)

9.c.(1)

9.c.(2)

10.a.

10.b.

11.

12.

12.a.

12.b.

12.c.

12.d.

RCON3814

RCON3815

RCON3816

RCON6550

RCON3817

RCON3818

RCON3819

RCON3821

RCON3411

RCON3429

RCON3432

RCON3433

RCONA521

RCONA522

RCONA523

RCONA524

RCONA249

RCONA250

RCONA534

RCONA535

RCON8765

RCON3430

Schedule RC-L�Off-Balance Sheet Items

Please read carefully the instructions for the preparation of Schedule RC-L. Some of the amounts

reported in Schedule RC-L are regarded as volume indicators and not necessarily as measures of risk.

RCON3820

RCON3822

FFIEC 034Page RC-11

19

C160

RCON3555

RCON3556

RCON3557

RCON3558

TEXT3555

TEXT3556

TEXT3557

TEXT3558

14. Gross amounts (e.g., notional amounts) (for each

column, sum of items 14.a through 14.e

must equal sum of items 15, 16.a, and 16.b):

a. Futures contracts ..............................................

b. Forward contracts .............................................

c. Exchange-traded option contracts:

(1) Written options ............................................

(2) Purchased options .......................................

d. Over-the-counter option contracts:

(1) Written options ...........................................

(2) Purchased options .......................................

e. Swaps ...........................................................

15. Total gross notional amount of derivative

contracts held for trading ........................................

16. Total gross notional amount of derivative

contracts held for purposes other than trading:

a. Contracts marked to market ...............................

b. Contracts not marked to market .........................

13. All other off-balance sheet assets (exclude off-balance sheet derivatives) (itemize and describe

each component of this item over 25% of Schedule RC, item 28.a, �Total equity capital�) ....................

a.

b.

c.

d.

ThouMil

Memoranda


3. Unused commitments with an original maturity exceeding one year that are reported in

Schedule RC-L, items 1.a through 1.e, above (report only the unused portions of commitments

that are fee paid or otherwise legally binding) ................................................................................

13.

13.a.

13.b.

13.c.

13.d.

14.a.

14.b.

14.c.(1)

14.c.(2)

14.d.(1)

14.d.(2)

14.e.

15.

16.a.

16.b.

M.3.

Schedule RC-L�Continued

FFIEC 034Page RC-12




Off-balance Sheet Derivatives

Position Indicators

(Column A)Interest

RateContracts

(Column B)Foreign

ExchangeContracts

(Column C)Equity

DerivativeContracts

(Column D)Commodityand OtherContracts

C161

ThouMil

RCON8696

RCON8700

RCON8704

RCON8708

RCON8712

RCON8716

RCON8720

RCON8724

RCON8728

RCON8732

ThouMil

RCON8693

RCON8697

RCON8701

RCON8705

RCON8709

RCON8713

RCON3450

RCONA126

RCON8725

RCON8729

ThouMil

RCON8694

RCON8698

RCON8702

RCON8706

RCON8710

RCON8714

RCON3826

RCONA127

RCON8726

RCON8730

ThouMil

RCON8695

RCON8699

RCON8703

RCON8707

RCON8711

RCON8715

RCON8719

RCON8723

RCON8727

RCON8731


RCON3833

ThouMil

RCON5592

RCON5593

RCON5594

RCON5595

TEXT5592

TEXT5593

TEXT5594

TEXT5595

RCON5591


1. Extensions of credit by the reporting bank to its executive officers, directors, principal

shareholders, and their related interests as of the report date:

a. Aggregate amount of all extensions of credit to all executive officers, directors, principal

shareholders, and their related interests .....................................................................................

b. Number of executive officers, directors, and principal shareholders to whom the

amount of all extensions of credit by the reporting bank (including extensions of

credit to related interests) equals or exceeds the lesser of $500,000 or 5 percent

of total capital as defined for this purpose in agency regulations ...........................

2. Not applicable

3. a. Noninterest-bearing balances due from commercial banks in the U.S. (included in Schedule RC,

item 1.a) (exclude balances due from Federal Reserve Banks and cash items in process of

collection) ..............................................................................................................................

b. Currency and coin (included in Schedule RC, item 1.a) ................................................................

4. Outstanding principal balance of 1�4 family residential mortgage loans serviced for others

(include both retained servicing and purchased servicing):

a. Mortgages serviced under a GNMA contract ..............................................................................

b. Mortgages serviced under a FHLMC contract:

(1) Serviced with recourse to servicer ........................................................................................

(2) Serviced without recourse to servicer ...................................................................................

c. Mortgages serviced under a FNMA contract:

(1) Serviced under a regular option contract ..............................................................................

(2) Serviced under a special option contract ...............................................................................

d. Mortgages serviced under other servicing contracts ....................................................................

5. Not applicable

6. Intangible assets:

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

b. Other identifiable intangible assets:

(1) Purchased credit card relationships ......................................................................................

(2) All other identifiable intangible assets ...................................................................................

c. Goodwill ...............................................................................................................................

d. Total (sum of items 6.a through 6.c) (must equal Schedule RC, item 10) .......................................

e. Amount of intangible assets (included in item 6.b.(2) above) that have been grandfathered

or are otherwise qualifying for regulatory capital purposes ............................................................

7. Mandatory convertible debt, net of common or perpetual preferred stock dedicated to

redeem the debt ........................................................................................................................

8. a. Other real estate owned:

(1) Direct and indirect investments in real estate ventures ............................................................

(2) All other real estate owned:

(a) Construction and land development ................................................................................

(b) Farmland .....................................................................................................................

(c) 1�4 family residential properites .....................................................................................

(d) Multifamily (5 or more) residential properties ....................................................................

(e) Nonfarm nonresidential properties ...................................................................................

(3) Total (sum of items 8.a.(1) and 8.a.(2)) (must equal Schedule RC, item 7) ................................

b. Investments in unconsolidated subsidiaries and associated companies:

(1) Direct and indirect investments in real estate ventures ...........................................................

(2) All other investments in unconsolidated subsidiaries and associated companies .........................

(3) Total (sum of items 8.b.(1) and 8.b.(2)) (must equal Schedule RC, item 8) ...............................


1.a.

1.b.

3.a.

3.b.

4.a.

4.b.(1)

4.b.(2)

4.c.(1)

4.c.(2)

4.d.

6.a.

6.b.(1)

6.b.(2)

6.c.

6.d.

6.e.

7.

8.a.(1)

8.a.(2)(a)

8.a.(2)(b)

8.a.(2)(c)

8.a.(2)(d)

8.a.(2)(e)

8.a.(3)

8.b.(1)

8.b.(2)

8.b.(3)

Schedule RC-M�Memoranda

FFIEC 034Page RC-13

21

ThouMil

RCON6164

RCON0050

RCON0080

RCON5500

RCON5501

RCON5502

RCON5503

RCON5504

RCON5505

RCON3164

RCON5506

RCON5507

RCON3163

RCON2143

RCON6442

RCON3295

RCON5372

RCON5508

RCON5509

RCON5510

RCON5511

RCON5512

RCON2150

RCON5374

RCON5375

RCON2130

C165

RCON6165

Number

9. Noncumulative perpetual preferred stock and related surplus included in Schedule RC,

item 23, �Perpetual preferred stock and related surplus� ..................................................................

10. Mutual fund and annuity sales during the quarter (include proprietary, private label, and third

party products):

a. Money market funds ................................................................................................................

b. Equity securities funds ............................................................................................................

c. Debt securities funds ..............................................................................................................

d. Other mutual funds ................................................................................................................

e. Annuities ...............................................................................................................................

f. Sales of proprietary mutual funds and annuities (included in items 10.a through 10.e above) ...........

11. Net unamortized realized deferred gains (losses) on off-balance sheet derivative contracts

included in assets and liabilities reported in Schedule RC .................................................................

12. Amount of assets netted against nondeposit liabilities on the balance sheet (Schedule RC)

in accordance with generally accepted accounting principles¹ ..........................................................

1. Reciprocal holdings of banking organizations� capital instruments (to be completed

for the December report only) .......................................................................................................



9.

10.a.

10.b.

10.c.

10.d.

10.e.

10.f.

11.

12.

Schedule RC-M�Continued

M.1.RCON3836

Memorandum

FFIEC 034Page RC-14



ThouMil

ThouMil

RCON3778

RCON6441

RCON8427

RCON8428

RCON8429

RCON8430

RCON8784

RCONA525

RCONA526

¹Exclude netted on-balance sheet amounts associated with off-balance sheet derivative contracts, deferred tax assets netted against deferred tax liabilities, and assets netted in accounting for pensions.

1. Real estate loans .......................................................................

2. Installment loans .......................................................................

3. Credit cards and related plans .....................................................

4. Commercial (time and demand) and all other loans ..........................

5. Lease financing receivables .........................................................

6. Debt securities and other assets (exclude other real estate

owned and other repossessed assets) ..........................................

Memoranda

1. Restructured loans and leases included in Schedule RC-N,

items 1 through 5, above (and not reported in Schedule RC-C,

Part I, Memorandum item 1) ...........................................................

2. To be completed by banks with loans to finance agricultural

production and other loans to farmers (Schedule RC-C, part I,

item 3) exceeding five percent of total loans:

Agricultural loans included in Schedule RC-N, items 1

through 4, above ......................................................................

3. Loans to finance commercial real estate, construction, and

land development activities (not secured by real estate)

included in Schedule RC-N, items 2 through 4, above .......................

4. Real estate loans (sum of Memorandum items 4.a through 4.e

must equal Schedule RC-N, item 1, above):

a. Construction and land development ..........................................

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


(1) Revolving, open-end loans secured by 1�4 family

residential properties and extended under lines of credit .........

(2) All other loans secured by 1�4 family residential

properties .........................................................................

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

e. Secured by nonfarm nonresidential properties ............................

ThouMil

7. Loans and leases reported in items 1 through 5 above which

are wholly or partially guaranteed by the U.S. Government ..............

a. Guaranteed portion of loans and leases included in item 7

above ...................................................................................

Schedule RC-N�Past Due and Nonaccrual Loans,¹ Leases, and Other Assets

1.

2.

3.

4.

5.

6.

The FFIEC regards the information reported in all of

Memorandum item 1, in items 1 through 7, column A,

and in Memorandum items 2 through 4, column A,

as confidential.

(Column A)Past due

30 through 89days and still

accruing

(Column B)Past due 90days or more

and stillaccruing

(Column C)Nonaccrual

RCON1212

RCON1216

RCON1220

RCON1224

RCON1228

RCON3507


Amounts reported in items 1 through 5 above include guaranteed and unguaranteed portions of past due and nonaccrual loans and

leases. Report in item 7 below certain guaranteed loans and leases that have already been included in the amounts reported in

items 1 through 5.

FFIEC 034Page RC-15

23

C170

ThouMil

RCON1211

RCON1215

RCON1219

RCON1223

RCON1227

RCON3506

ThouMil

RCON1210

RCON1214

RCON1218

RCON1222

RCON1226

RCON3505

ThouMil

7.

7.a.

RCON5614

RCON5617

ThouMilRCON5613

RCON5616

ThouMilRCON5612

RCON5615

ThouMil


C173

RCON1658

RCON1230

RCON5421

RCON5424

RCON5427

RCON5430

RCON5433

RCON5436

RCON5439

M.1.

M.2.

M.3.

M.4.a.

M.4.b.

M.4.c.(1)

M.4.c.(2)

M.4.d.

M.4.e.


ThouMil

RCON1659

RCON1231

RCON5422

RCON5425

RCON5428

RCON5431

RCON5434

RCON5437

RCON5440

ThouMil

RCON1661

RCON1232

RCON5423

RCON5426

RCON5429

RCON5432

RCON5435

RCON5438

RCON5441

1. Unposted debits (see instructions):

a. Actual amount of all unposted debits .........................................................................................

OR

b. Separate amount of unposted debits:

(1) Actual amount of unposted debits to demand deposits ...........................................................

(2) Actual amount of unposted debits to time and savings deposits¹ ..............................................

2. Unposted credits (see instructions):

a. Actual amount of all unposted credits ........................................................................................

OR

b. Separate amount of unposted credits:

(1) Actual amount of unposted credits to demand deposits ...........................................................

(2) Actual amount of unposted credits to time and savings deposits¹ .............................................

3. Uninvested trust funds (cash) held in bank�s own trust department (not included in total deposits) .......

4. Deposits of consolidated subsidiaries (not included in total deposits):

a. Demand deposits of consolidated subsidiaries .............................................................................

b. Time and savings deposits¹ of consolidated subsidiaries ...............................................................

c. Interest accrued and unpaid on deposits of consolidated subsidiaries .............................................

5. Not applicable

6. Reserve balances actually passed through to the Federal Reserve by the reporting bank on

behalf of its respondent depository institutions that are also reflected as deposit liabilities

of the reporting bank:

a. Amount reflected in demand deposits (included in Schedule RC-E, item 4 or 5, column B) ...............

b. Amount reflected in time and savings deposits¹ (included in Schedule RC-E,

item 4 or 5, column A or C, but not column B) ...........................................................................

7. Unamortized premiums and discounts on time and savings deposits:

a. Unamortized premiums ...........................................................................................................

b. Unamortized discounts ...........................................................................................................

8. To be completed by banks with �Oakar deposits.�

a. Deposits purchased or acquired from other FDIC-insured institutions during the quarter:

(1) Total deposits purchased or acquired from other FDIC-insured institutions during

the quarter .......................................................................................................................

(2) Amount of purchased or acquired deposits reported in item 8.a.(1) above attributable

to a secondary fund (i.e., BIF members report deposits attributable to SAIF; SAIF

members report deposits attributable to BIF) .........................................................................

b. Total deposits sold or transferred to other FDIC-insured institutions during the quarter .....................

9. Deposits in lifeline accounts ........................................................................................................

10. Benefit-responsive �Depository Institution Investment Contracts� (included in total deposits) ...............

1.a.

1.b.(1)

1.b.(2)

2.a.

2.b.(1)

2.b.(2)

3.

4.a.

4.b.

4.c.

6.a.

6.b.

7.a.

7.b.

8.a.(1)

8.a.(2)

8.b.

9.

10.


C175

Schedule RC-O�Other Data for Deposit Insurance and FICO Assessments

¹ For FDIC insurance and FICO assessment purposes, �time and savings deposits� consists of nontransaction accounts

and all transaction accounts other than demand deposits.

² Exclude core deposit intangibles.

FFIEC 034Page RC-16



RCON0030

RCON0031

RCON0032

RCON3510

RCON3512

RCON3514

RCON3520

RCON2211

RCON2351

RCON5514

RCON2314

RCON2315

RCON5516

RCON5517

RCONA531

RCONA532

RCONA533

RCON5596

RCON8432

ThouMil

1, 2

11. Adjustments to demand deposits reported in Schedule RC-E for certain reciprocal

demand balances:

a. Amount by which demand deposits would be reduced if the reporting bank�s reciprocal

demand balances with the domestic offices of U.S. banks and savings associations

and insured branches in Puerto Rico and U.S. territories and possessions that were

reported on a gross basis in Schedule RC-E had been reported on a net basis ...............................

b. Amount by which demand deposits would be increased if the reporting bank�s reciprocal

demand balances with foreign banks and foreign offices of other U.S. banks (other

than insured branches in Puerto Rico and U.S. territories and possessions) that were

reported on a net basis in Schedule RC-E had been reported on a gross basis ...............................

c. Amount by which demand deposits would be reduced if cash items in process of

collection were included in the calculation of the reporting bank�s net reciprocal demand

balances with the domestic offices of U.S. banks and savings associations and insured

branches in Puerto Rico and U.S. territories and possessions in Schedule RC-E .............................

12. Amount of assets netted against deposit liabilities on the balance sheet (Schedule RC)

in accordance with generally accepted accounting principles (exclude amounts related to

reciprocal demand balances):

a. Amount of assets netted against demand deposits ....................................................................

b. Amount of assets netted against time and savings deposits .......................................................

C177

1. Total deposits of the bank (sum of Memorandum items 1.a.(1) and 1.b.(1) must equal

Schedule RC, item 13.a):

a. Deposit accounts of $100,000 or less:

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

(2) Number of deposit accounts of $100,000 or less (to be

completed for the June report only) ...........................................................

b. Deposit accounts of more than $100,000:

(1) Amount of deposit accounts of more than $100,000 ............................................................

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

2. Estimated amount of uninsured deposits of the bank:

a. An estimate of your bank�s uninsured deposits can be determined by multiplying the

number of deposit accounts of more than $100,000 reported in Memorandum item 1.b.(2)

above by $100,000 and subtracting the result from the amount of deposit accounts of

more than $100,000 reported in Memorandum item 1.b.(1) above.

Indicate in the appropriate box at the right whether your bank has a method or procedure

for determining a better estimate of uninsured deposits than the estimate described above .............

b. If the box marked YES has been checked, report the estimate of uninsured deposits

determined by using your bank�s method or procedure ...............................................................

3. Has the reporting institution been consolidated with a parent bank or savings association

in that parent bank�s or parent savings association�s Call Report or Thrift Financial Report?

If so, report the legal title and FDIC Certificate Number of the parent bank or parent savings

association:


Schedule RC-O�Continued

11.a.

11.b.

11.c.

12.a.

12.b.

M.1.a.(1)

M.1.a.(2)

M.1.b.(1)

M.1.b.(2)

M.2.a.

M.2.b.

M.3.

Number

RCON3779

RCON2722

Number

YES NO

Memoranda (to be completed each quarter except as noted)

FFIEC 034Page RC-17

25

RCON6861

RCON5597


RCON8785

RCONA181

RCONA182

RCONA527

RCONA528

ThouMil

RCON2702

RCON2710

ThouMil

ThouMil

Person to whom questions about the Reports of Condition and Income should be directed:

Name and Title (TEXT 8901) Area code/phone number/extension (TEXT 8902)

FDIC Cert No.TEXTA545 RCON

A545

4. Assets and credit equivalent amounts of off-balance sheet items assigned to

the Zero percent risk category:

a. Assets recorded on the balance sheet ..................................................................

b. Credit equivalent amount of off-balance sheet items ...............................................

2. Portion of qualifying limited-life capital instruments (original weighted average

maturity of at least five years) that is includible in Tier 2 capital:

a. Subordinated debt¹ and intermediate term preferred stock ..............................................................

b. Other limited-life capital instruments ............................................................................................

3. Amounts used in calculating regulatory capital ratios (report amounts determined by the bank

for its own internal regulatory capital analyses consistent with applicable capital standards):

a. Tier 1 capital ..........................................................................................................................

b. Tier 2 capital ..........................................................................................................................

c. Total risk-based capital ............................................................................................................

d. Excess allowance for loan and lease losses (amount that exceeds 1.25% of gross

risk-weighted assets) ...............................................................................................................

e. Net risk-weighted assets (gross risk-weighted assets less excess allowance reported in

item 3.d above and all other deductions) ....................................................................................

f. �Average total assets� (quarterly average reported in Schedule RC-K, item 7, less all assets

deducted from Tier 1 capital)² ...................................................................................................

1. Test for determining the extent to which Schedule RC-R must be completed. To be completed only by

banks with total assets of less than $1 billion. Indicate in the appropriate box at the right whether

the bank has total capital greater than or equal to eight percent of adjusted total assets ................ 1.


C180

Schedule RC-R�Regulatory Capital

This schedule must be completed by all banks as follows: Banks that reported total assets of $1 billion or more in Schedule RC,

item 12, for June 30, 1996, must complete items 2 through 9 and Memoranda items 1 and 2. Banks with assets of less than

$1 billion must complete items 1 through 3 below or Schedule RC-R in its entirety, depending on their response to item 1 below.

RCON6056

YES NO

For purposes of this test, adjusted total assets equals total assets less cash, U.S. Treasuries, U.S. Government agency

obligations, and 80 percent of U.S. Government-sponsored agency obligations plus the allowance for loan and lease losses

and selected off-balance sheet items as reported on Schedule RC-L (see instructions).

If the box marked YES has been checked, then the bank only has to complete items 2 and 3 below. If the box marked NO

has been checked, the bank must complete the remainder of this schedule.

A NO response to item 1 does not necessarily mean that the bank�s actual risk-based capital ratio is less than eight percent

or that the bank is not in compliance with the risk-based capital guidelines.

2.a.

2.b.

3.a.

3.b.

3.c.

3.d.

3.e.

3.f.

(Column A)Assets

Recordedon the

Balance Sheet

(Column B)Credit Equiv-alent Amountof Off-BalanceSheet Items³

Items 4�9 and Memoranda items 1 and 2 are to be completed

by banks that answered NO to item 1 above and

by banks with total assets of $1 billion or more.

4.a.

4.b.

¹ Exclude mandatory convertible debt reported in Schedule RC-M, item 7.² Do not deduct excess allowance for loan and lease losses.³ Do not report in column B the risk-weighted amount of assets reported in column A.

FFIEC 034Page RC-18



RCONA515

RCONA516

RCON8274

RCON8275

RCON3792

RCONA222

RCONA223

RCONA224

ThouMil

RCON3796

ThouMil

RCON5163

ThouMil

NOTE: All banks are required to complete items 2 and 3 below.

See optional worksheet for items 3.a through 3.f.

Memoranda

1. Current credit exposure across all off-balance sheet derivative contracts covered by the

risk-based capital standards ............................................................................................................

2. Notional principal amounts of off-balance

sheet derivative contracts:³

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

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

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

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

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

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

5. Assets and credit equivalent amounts of off-balance sheet items assigned to the

20 percent risk category:


b. Credit equivalent amount of off-balance sheet items ..............................................







a. Assets recorded on the balance sheet ...................................................................


8. On-balance sheet asset values excluded from and deducted in the calculation

of the risk-based capital ratio² .................................................................................

9. Total assets recorded on the balance sheet (sum of items 4.a, 5.a, 6.a, 7.a, and 8,

column A) (must equal Schedule RC, item 12.c plus items 4.b and 4.c) .....................

¹ Do not report in column B the risk-weighted amount of assets reported in column A.² Include the difference between the fair value and the amortized cost of available-for-sale debt securities in item 8 and report the amortized cost ofthese debt securities in items 4 through 7 above. For available-for-sale equity securities, if fair value exceeds cost, include the difference between the fair value and the cost in item 8 and report the cost of these equity securities in items 5 through 7 above; if cost exceeds fair value, report the fair value of these equity securities in items 5 through 7 above and include no amount in item 8. Item 8 also includes on-balance sheet asset values (or portions thereof) of off-balance sheet interest rate, foreign exchange rate, and commodity contracts and those contracts (e.g., futures contracts) not subject to risk-based capital. Exclude from item 8 margin accounts and accrued receivables not included in the calculation of credit equivalent amounts of off-balance sheet derivatives as well as any portion of the allowance for loan and lease losses in excess of the amount thatmay be included in Tier 2 capital.

³ Exclude foreign exchange contracts with an original maturity of 14 days or less and all futures contracts.

5.a.

5.b.

6.a.

6.b.

7.a.

7.b.

8.

9.

M.1.

M.2.a.

M.2.b.

M.2.c.

M.2.d.

M.2.e.

M.2.f.


(Column A)Assets

Recordedon the

Balance Sheet

(Column B)Credit Equiv-alent Amountof Off-BalanceSheet Items¹

Schedule RC-R�Continued

FFIEC 034Page RC-19

27

RCON8764


(Column B)Over

one yearthrough

five years

(Column C)Over

five years

ThouMil

(Column A)One yearor less

With a remaining maturity of

RCON3809

RCON3812

RCON8771

RCON8774

RCON8777

RCONA000

RCON8766

RCON8769

RCON8772

RCON8775

RCON8778

RCONA001

RCON8767

RCON8770

RCON8773

RCON8776

RCON8779

RCONA002

RCON3801

RCON3803

RCON3805

ThouMil

RCON5165

RCON3802

RCON3804

RCON3806

RCON3807

ThouMil

ThouMil

ThouMil

ThouMil

Legal Title of Bank


both on agency computerized records and in computer-file

releases to the public.

All information furnished by the bank in the narrative

statement must be accurate and not misleading. Appropriate

efforts shall be taken by the submitting bank to ensure the

statement�s accuracy. The statement must be signed, in the

space provided below, by a senior officer of the bank who

thereby attests to its accuracy.

If, subsequent to the original submission, material changes are

submitted for the data reported in the Reports of Condition

and Income, the existing narrative statement will be deleted

from the files, and from disclosure; the bank, at its option,

may replace it with a statement, under signature, appropriate

to the amended data.

The optional narrative statement will appear in agency records

and in release to the public exactly as submitted (or amended

as described in the preceding paragraph) by the management

of the bank (except for the truncation of statements

exceeding the 750-character limit described above). THE

STATEMENT WILL NOT BE EDITED OR SCREENED IN ANY

WAY BY THE SUPERVISORY AGENCIES FOR ACCURACY OR

RELEVANCE. DISCLOSURE OF THE STATEMENT SHALL NOT

SIGNIFY THAT ANY FEDERAL SUPERVISORY AGENCY HAS

VERIFIED OR CONFIRMED THE ACCURACY OF THE

INFORMATION CONTAINED THEREIN. A STATEMENT TO

THIS EFFECT WILL APPEAR ON ANY PUBLIC RELEASE OF

THE OPTIONAL STATEMENT SUBMITTED BY THE

MANAGEMENT OF THE REPORTING BANK.

The management of the reporting bank may, if it wishes,

submit a brief narrative statement on the amounts reported in

the Reports of Condition and Income. This optional statement

will be made available to the public, along with the publicly

available data in the Reports of Condition and Income, in

response to any request for individual bank report data.

However, the information reported in column A and in all of

Memorandum item 1 of Schedule RC-N is regarded as

confidential and will not be released to the public. BANKS

CHOOSING TO SUBMIT THE NARRATIVE STATEMENT

SHOULD ENSURE THAT THE STATEMENT DOES NOT

CONTAIN THE NAMES OR OTHER IDENTIFICATIONS OF

INDIVIDUAL BANK CUSTOMERS, REFERENCES TO THE

AMOUNTS REPORTED IN THE CONFIDENTIAL ITEMS IN

SCHEDULE RC-N, OR ANY OTHER INFORMATION THAT

THEY ARE NOT WILLING TO HAVE MADE PUBLIC OR THAT

WOULD COMPROMISE THE PRIVACY OF THEIR CUSTOM-

ERS. Banks choosing not to make a statement may check the

�No comment� box below and should make no entries of any

kind in the space provided for the narrative statement; i.e., DO

NOT enter in this space such phrases as �No statement,� �Not

applicable,� �N/A,� �No comment,� and �None.�

The optional statement must be entered on this sheet. The

statement should not exceed 100 words. Further, regardless

of the number of words, the statement must not exceed 750

characters, including punctuation, indentation, and standard

spacing between words and sentences. If any submission

should exceed 750 characters, as defined, it will be truncated

at 750 characters with no notice to the submitting bank and

the truncated statement will appear as the bank�s statement

Optional Narrative Statement Concerning the AmountsReported in the Reports of Condition and Income

No comment (RCON 6979)C171

Legal Title of Bank

at close of business on 19

City State

C172

BANK MANAGEMENT STATEMENT (please type or print clearly):(TEXT 6980)

Signature of Executive Officer of Bank Date of Signature

,

FFIEC 034Page RC-20

28


OMB No. For OCC: 1557-0081

OMB No. For FDIC 3064-0052

OMB No. for Federal Reserve: 7100-0036

Expiration Date: 3/31/99

SPECIAL REPORT

(Dollar Amounts in Thousands)

a. Number of loans made to executive officers since the previous Call Report date ..................

b. Total dollar amount of above loans (in thousands of dollars) ..............................................

c. Range of interest charged on above loans

(example: 9¾% = 9.75) .................................................................... __ __ .__ __

NAME AND ADDRESS OF BANK

PLACE LABEL HERE

THIS PAGE IS TO BE COMPLETED BY ALL BANKS

CLOSE OF BUSINESS

DATE


C-700

LOANS TO EXECUTIVE OFFICERS (Complete as of each Call Report Date)

RCON3561

RCON3562

RCON7701 % to %

a.b.

c.

The following information is required by Public Laws 90�44 and 102�242, but does not constitute a part of the Report of Condition. With each

Report of Condition, these Laws require all banks to furnish a report of all loans or other extensions of credit to their executive officers made since

the date of the previous Report of Condition. Data regarding individual loans or other extensions of credit are not required. If no such loans or other

extensions of credit were made during the period, insert �none� against subitem (a). (Exclude the first $15,000 of indebtedness of each executive

officer under bank credit card plan.) See Sections 215.2 and 215.3 of Title 12 of the Code of Federal Regulations (Federal Reserve Board

Regulation O) for the definitions of �executive officer� and �extension of credit,� respectively. Exclude loans and other extensions of credit to

directors and principal shareholders who are not executive officers.

RCON7702

29

__ __ .__ __

SIGNATURE AND TITLE OF OFFICER AUTHORIZED TO SIGN REPORT

NAME AND TITLE OF PERSON TO WHOM INQUIRIES MAY BE DIRECTED (TEXT 8903)

DATE (Month, Day, Year)

AREA CODE/PHONE NUMBER/EXTENSION (TEXT 8904)

FDIC 8040/53 (6�95)

Documents

Consolidated Reports of Condition and Income for A Bank .../PDF/FFIEC_forms/FFIEC034_199703.pdfConsolidated Reports of Condition and Income for A Bank With Domestic Offices Only and