UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ---------------- FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) March 11, 1998 -------------- ---------------- NORDSTROM, INC. (Exact name of registrant as specified in its charter) Washington 0-6074 91-0515058 (State or other jurisdiction (Commission (I.R.S. Employer of incorporation or File Number) Identification No.) organization) 1501 Fifth Avenue, Seattle, Washington 98101 ---------------------------------------------------- (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code (206) 628-2111 -------------- ITEM 5. OTHER EVENTS. The Registrant entered into an Underwriting Agreement, dated March 11, 1998, with Goldman, Sachs & Co., Credit Suisse First Boston Corporation, and J.P. Morgan Securities Inc. (together, the "Underwriters"), pursuant to which the Underwriters agreed to purchase, and offer for sale to the public, $300,000,000 of the Registrant's 6.95% Senior Debentures due March 15, 2028 (the "Debentures"). The Debentures are registered for sale under the Registrant's effective Registration Statement on Form S-3, as amended on March 10, 1998 (Registration No. 333-47035) and will be offered pursuant to a Prospectus, dated March 11, 1998, filed with the Securities and Exchange Commission (the "Commission") on March 12, 1998, pursuant to the Securities Act of 1933, as amended, and Rule 424(b)(4) thereunder. ITEM 7. EXHIBITS. Filed as Exhibit 25.1 to this Current Report on Form 8-K are the Consolidated Reports of Condition and Income of Norwest Bank Colorado, National Association ("Norwest"), for the period January 1, 1997-December 31, 1997 (the "Reports"), which Reports are Exhibit 4 to the Form T-1 Statement of Eligibility of Norwest, previously filed with the Commission on March 6, 1998, as Exhibit 25.1 to the Amendment No. 1 to Registration Statement on Form S-3 of the Registrant. SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized. NORDSTROM, INC. -------------------------------------- (REGISTRANT) /s/ John A. Goesling DATE MARCH 13, 1998 -------------------------------------- -------------- JOHN A. GOESLING, EXECUTIVE VICE PRESIDENT AND TREASURER
Exhibit 4 Legal Title of Bank: NORWEST BANK COLORADO, N.A. Call Date: 12/31/97 Address: 1740 BROADWAY City, State Zip: DENVER, CO 80274-8604 FDIC Certificate No.: 0 3 0 1 1 --------- CONSOLIDATED REPORTS OF CONDITION AND INCOME FOR A BANK WITH DOMESTIC AND FOREIGN OFFICES FOR THE PERIOD JANUARY 1, 1997-DECEMBER 31, 1997 ALL REPORT OF INCOME SCHEDULES ARE TO BE REPORTED ON A CALENDAR YEAR-TO-DATE BASIS IN THOUSANDS OF DOLLARS. SCHEDULE RI--INCOME STATEMENT - ------------- (1) Includes interest income on time certificates of deposit not held for trading. 3
-------- I480 ------------------ DOLLAR AMOUNTS IN THOUSANDS RIAD BIL MIL THOU - ------------------------------------------------------------------------------------------------------------------ 1. Interest income: a. Interest and fee income on loans: (1) In domestic offices: (a) Loans secured by real estate .................................................. 4001 167,919 1.a.(1)(a) (b) Loans to depository institutions............................................... 4019 5,422 1.a.(1)(b) (c) Loans to finance agricultural production and other loans to farmers............ 4024 7,882 1.a.(1)(c) (d) Commercial and industrial loans................................................ 4012 60,817 1.a.(1)(d) (e) Acceptances of other banks..................................................... 4026 33 1.a.(1)(e) (f) Loans to individuals for household, family, and other personal expenditures: (1) Credit cards and related plans............................................. 4054 8,435 1.a.(1)(f)(1) (2) Other...................................................................... 4055 88,062 1.a.(1)(f)(2) (g) Loans to foreign governments and official institutions......................... 4056 34 1.a.(1)(g) (h) Obligations (other than securities and leases) of states and political subdivisions in the U.S.: (1) Taxable obligations........................................................ 4503 0 1.a.(1)(h)(1) (2) Tax-exempt obligations..................................................... 4504 1,232 1.a.(1)(h)(2) (i) All other loans in domestic offices............................................ 4058 66 1.a.(1)(i) (2) In foreign offices, Edge and Agreement subsidiaries, and IBFs...................... 4059 1 1.a.(2) b. Income from lease financing receivables: (1) Taxable leases..................................................................... 4505 76 1.b.(1) (2) Tax-exempt leases.................................................................. 4307 0 1.b.(2) c. Interest income on balances due from depository institutions: (1) (1) In domestic offices................................................................ 4105 13 1.c.(1) (2) In foreign offices, Edge and Agreement subsidiaries, and IBFs...................... 4106 39,934 1.c.(2) d. Interest and dividend income on securities: (1) U.S. Treasury securities and U.S. Government agency obligations.................... 4027 154,890 1.d.(1) (2) Securities issued by states and political subdivisions in the U.S.: (a) Taxable securities............................................................. 4506 163 1.d.(2)(a) (b) Tax-exempt securities.......................................................... 4507 2,324 1.d.(2)(b) (3) Other domestic debt securities..................................................... 3657 471 1.d.(3) (4) Foreign debt securities............................................................ 3658 0 1.d.(4) (5) Equity securities (including investments in mutual funds).......................... 3659 578 1.d.(5) e. Interest income from trading assets.................................................... 4069 0 1.e. ------------------ SCHEDULE RI--CONTINUED - ---------- * Describe on Schedule RI-E--Explanations. 4
------------ Dollar Amounts in Thousands Year-to-date - ------------------------------------------------------------------------------------------------- RIAD Bil Mil Thou ------------------ 1. Interest income (continued) f. Interest income on federal funds sold and securities purchased under agreements to resell................................................... 4020 8,760 1.f. g. Total interest income (sum of items 1.a through 1.f)................... 4107 547,112 1.g. 2. Interest expense: a. Interest on deposits: (1) Interest on deposits in domestic offices: (a) Transaction accounts (NOW accounts, ATS accounts, and telephone and preauthorized transfer accounts).................. 4508 6,129 2.a.(1)(a) (b) Nontransaction accounts: (1) Money market deposit accounts (MMDAs)....................... 4509 27,880 2.a.(1)(b)(1) (2) Other savings deposits...................................... 4511 63,368 2.a.(1)(b)(2) (3) Time deposits of $100,000 or more........................... A517 19,979 2.a.(1)(b)(3) (4) Time deposits of less than $100,000......................... A518 55,330 2.a.(1)(b)(4) (2) Interest on deposits in foreign offices, Edge and Agreement subsidiaries, and IBFs.............................................. 4172 11,587 2.a.(2) b. Expense of federal funds purchased and securities sold under agreements to repurchase................................................ 4180 4,305 2.b. c. Interest on demand notes issued to the U.S. Treasury, trading liabilities, and other borrowed money................................... 4185 20 2.c. d. Not applicable e. Interest on subordinated notes and debentures........................... 4200 2,737 2.e. f. Total interest expense (sum of items 2.a through 2.e)................... 4073 191,335 2.f. ---------------------- 3. Net interest income (item 1.g minus 2.f)................................... RIAD 4074 355,777 3. ---------------------- 4. Provisions: ---------------------- a. Provision for loan and lease losses..................................... RIAD 4230 9,774 4.a. b. Provision for allocated transfer risk................................... RIAD 4243 0 4.b. 5. Noninterest income: ---------------------- a. Income from fiduciary activities........................................ 4070 28,898 5.a. b. Service charges on deposit accounts in domestic offices................. 4080 60,164 5.b. c. Trading revenue (must equal Schedule RI, sum of Memorandum items 8.a through 8.d).................................................. A220 144 5.c. d.-e. Not applicable f. Other noninterest income: (1) Other fee income.................................................... 5407 27,396 5.f.(1) (2) All other noninterest income*....................................... 5408 11,640 5.f.(2) ---------------------- g. Total noninterest income (sum of items 5.a through 5.f)................. RIAD 4079 128,239 5.g. 6. a. Realized gains (losses) on held-to-maturity securities.................. RIAD 3521 0 6.a. b. Realized gains (losses) on available-for-sale securities................ RIAD 3195 (2,187) 6.b. ---------------------- 7. Noninterest expense: a. Salaries and employee benefits.......................................... 4135 111,661 7.a. b. Expenses of premises and fixed assets (not of rental income) (excluding salaries and employee benefits and mortgage interest)........ 4217 32,435 7.b. c. Other noninterest expense*.............................................. 4092 204,659 7.c. ---------------------- d. Total noninterest expense (sum of items 7.a through 7.c)................ RIAD 4093 348,755 7.d. ---------------------- 8. Income (loss) before income taxes and extraordinary items and other ---------------------- adjustments (item 3 plus or minus items 4.a, 4.b, 5.g, 6.a, 6.b, and 7.d).. RIAD 4301 123,300 8. 9. Applicable income taxes (on item 8)........................................ RIAD 4302 39,156 9. ---------------------- 10. Income (loss) before extraordinary items and other adjustments (item 8 ---------------------- minus 9)................................................................... RIAD 4300 84,144 10. 11. Extraordinary items and other adjustments, net of income taxes*............ RIAD 4320 0 11. 12. Net income (loss) (sum of items 10 and 11)................................. RIAD 4340 84,144 12. ---------------------- SCHEDULE RI--CONTINUED - ---------- (1) For example, a bank acquired on June 1, 1997, would report 19970601. 5
----- I481 -------------- Year-to-date Memoranda ------------------- Dollar Amounts in Thousands RIAD Bil Mil Thou - -------------------------------------------------------------------------------------------------------------------- 1. Interest expense incurred to carry tax-exempt securities, loans, and leases acquired after August 7, 1986, that is not deductible for federal income tax purposes...................... 4513 414 M.1. 2. Income from the sale and servicing of mutual funds and annuities in domestic offices (included in Schedule RI, item 8)........................................................... 8431 833 M.2. 3.-4. Not applicable 5. Number of full-time equivalent employees at end of current period (round to Number nearest whole number)....................................................................... 4150 2,709 M.5. 6. Not applicable ---- 7. If the reporting bank has restated its balance sheet as a result of applying push down RIAD CC YY MM DD accounting this calendar year, report the date of the bank's acquisition(1).............9106 00 00 00 00 M.7. ---- 8. Trading revenue (from cash instruments and off-balance sheet derivative instruments) (sum of Memorandum items 8.a. through 8.d must equal Schedule RI, item 5.c): ------------------- RIAD Bil Mil Thou ------------------ a. Interest rate exposures.................................................................. 8757 0 M.8.a. b. Foreign exchange exposures............................................................... 8758 144 M.8.b. c. Equity security and index exposures...................................................... 8759 0 M.8.c. d. Commodity and other exposures............................................................ 8760 0 M.8.d. 9. Impact on income of off-balance sheet derivatives held for purposes other than trading: a. Net increase (decrease) to interest income............................................... 8761 0 M.9.a. b. Net (increase) decrease to interest expense.............................................. 8762 0 M.9.b. c. Other (noninterest) allocations.......................................................... 8763 0 M.9.c. 10. Credit losses on off-balance sheet derivatives (see instructions)........................... A251 0 M.10. ------------------ YES NO 11. DOES THE REPORTING BANK HAVE A SUBCHAPTER S ELECTION IN EFFECT FOR FEDERAL INCOME TAX ------------------ PURPOSES FOR THE CURRENT TAX YEAR?.......................................................... A530 x M.11. ------------------ 12. DEFERRED PORTION OF TOTAL APPLICABLE INCOME TAXES INCLUDED IN SCHEDULE RI, Bil Mil Thou ------------------ ITEMS 9 AND 11 (TO BE REPORTED WITH THE DECEMBER REPORT OF INCOME).......................... 4772 0 M.12. ------------------ SCHEDULE RI-A--CHANGES IN EQUITY CAPITAL Indicate decreases and losses in parentheses. - ----------------- * Describe on Schedule RI-E--Explanations. 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 LEASES PART I EXCLUDES CHARGE-OFFS AND RECOVERIES THROUGH THE ALLOCATED TRANSFER RISK RESERVE.
--------- I483 -------------------- Dollar Amounts in Thousands RIAD Bil Mil Thou - --------------------------------------------------------------------------------------------------------------- 1. Total equity capital originally reported in the December 31, 1996, Reports of Condition and Income................................................................ 3215 397,440 1. 2. Equity capital adjustments from amended Reports of Income, net*..................... 3216 0 2. 3. Amended balance end of previous calendar year (sum of items 1 and 2)................ 3217 397,440 3. 4. Net income (loss) (must equal Schedule RI, item 12)................................. 4340 84,144 4. 5. Sale, conversion, acquisition, or retirement of capital stock, net.................. 4346 0 5. 6. Changes incident to business combinations, net...................................... 4356 0 6. 7. LESS: Cash dividends declared on preferred stock.................................... 4470 0 7. 8. LESS: Cash dividends declared on common stock....................................... 4460 73,000 8. 9. Cumulative effect of changes in accounting principles from prior years* (see instructions for this schedule)..................................................... 4411 0 9. 10. Corrections of material accounting errors from prior years* (see instructions for this schedule).................................................................. 4412 0 10. 11. Change in net unrealized holding gains (losses) on available-for-sale securities.......................................................................... 8433 22,965 11. 12. Foreign currency translation adjustments............................................ 4414 0 12. 13. Other transactions with parent holding company* (not included in items 5, 7, or 8 above)............................................................. 4415 18,000 13. 14. Total equity capital end of current period (sum of items 3 through 13) (must equal Schedule RC, item 28)......................................................... 3210 449,549 14. -------------------- 6
------- I486 --------------------------------------------- (Column A) (Column B) Charge-offs Recoveries --------------------------------------------- Calendar year-to-date --------------------------------------------- Dollar Amounts in Thousands RIAD Bil Mil Thou RIAD Bil Mil Thou - -------------------------------------------------------------------------------------------------------------------- 1. Loans secured by real estate: a. To U.S. addressees (domicile)................................. 4651 2,404 4661 2,305 1.a. b. To non-U.S. addressees (domicile)............................. 4652 0 4662 0 1.b. 2. Loans to depository institutions and acceptances of other banks: a. To U.S. banks and other U.S. depository institutions.......... 4653 0 4663 0 2.a. b. To foreign banks.............................................. 4654 0 4664 0 2.b. 3. Loans to finance agricultural production and other loans to farmers....................................................... 4655 123 4665 60 3. 4. Commercial and industrial loans: a. To U.S. addressees (domicile)................................. 4645 1,493 4617 1,588 4.a. b. To non-U.S. addressees (domicile)............................. 4646 0 4618 0 4.b. 5. Loans to individuals for household, family, and other personal expenditures: a. Credit cards and related plans................................ 4656 1,290 4666 217 5.a. b. Other (includes single payment, installment, and all student loans)................................................ 4657 14,373 4667 3,922 5.b. 6. Loans to foreign governments and official institutions........... 4643 0 4627 0 6. 7. All other loans.................................................. 4644 1,720 4628 495 7. 8. Lease financing receivables: a. Of U.S. addressees (domicile)................................. 4658 38 4668 7 8.a. b. Of non-U.S. addressees (domicile)............................. 4659 0 4669 0 8.b. 9. Total (sum of items 1 through 8)................................. 4635 21,441 4605 8,594 9. --------------------------------------------- SCHEDULE RI-B--CONTINUED PART I. CONTINUED PART II. CHANGES IN ALLOWANCE FOR LOAN AND LEASE LOSSES
--------------------------------------------- (Column A) (Column B) Charge-offs Recoveries ---------------------- --------------------- Memoranda Calendar year-to-date --------------------------------------------- Dollar Amounts in Thousands RIAD Bil Mil Thou RIAD Bil Mil Thou - -------------------------------------------------------------------------------------------------------------------- 1-3. Not applicable 4. Loans to finance commercial real estate, construction, and land development activities (NOT SECURED BY REAL ESTATE) included in Schedule RI-B, part I, items 4 and 7, above......... 5409 0 5410 0 M.4. 5. Loans secured by real estate in domestic offices (included in Schedule RI-B, part I, item 1, above): a. Construction and land development............................ 3582 87 3583 321 M.5.a. b. Secured by farmland.......................................... 3584 65 3585 233 M.5.b. 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................................................ 5411 0 5412 0 M.5.c.(1) (2) All other loans secured by 1-4 family residential properties............................................... 5413 1,341 5414 890 M.5.c.(2) d. Secured by multifamily (5 or more) residential properties.... 3588 0 3589 0 M.5.d. e. Secured by nonfarm nonresidential properties................. 3590 911 3591 861 M.5.e. - ------------------- * Describe on Schedule RI-E--Explanations. 7
-------------------- Dollar Amounts in Thousands RIAD Bil Mil Thou - ---------------------------------------------------------------------------------------------------------------- 1. Balance originally reported in the December 31, 1996, Reports of Condition and Income........................................................................... 3124 83,086 1. 2. Recoveries (must equal part I, item 9, column B above)............................... 4605 8,594 2. 3. LESS: Charge-offs (must equal part I, item 9, column A above)........................ 4635 21,441 3. 4. Provision for loan and lease losses (must equal Schedule RI, item 4.a)............... 4230 9,774 4. 5. Adjustments* (see instructions for this schedule).................................... 4815 (624) 5. 6. Balance end of current period (sum of items 1 through 5) (must equal Schedule RC, item 4.b)............................................................................ 3123 79,389 6. SCHEDULE RI-D--INCOME FROM INTERNATIONAL OPERATIONS For all banks with foreign offices, Edge or Agreement subsidiaries, or IBFs where international operations account for more than 10 percent of total revenues, total assets, or net income. PART I. ESTIMATED INCOME FROM INTERNATIONAL OPERATIONS PART II. SUPPLEMENTARY DETAILS ON INCOME FROM INTERNATIONAL OPERATIONS REQUIRED BY THE DEPARTMENTS OF COMMERCE AND TREASURY FOR PURPOSES OF THE U.S. INTERNATIONAL ACCOUNTS AND THE U.S. NATIONAL INCOME AND PRODUCT ACCOUNTS
------------- I492 ------------------- Year-to-date -------------------------- Dollar Amounts in Thousands RIAD Bil Mil Thou - --------------------------------------------------------------------------------------------------------------------------- 1. Interest income and expense booked at foreign offices, Edge and Agreement subsidiaries, and IBFs: a. Interest income booked .................................................................... 4837 N/A 1.a. b. Interest expense booked ................................................................... 4838 N/A 1.b. c. Net interest income booked at foreign offices, Edge and Agreement subsidiaries, and IBFs (item 1.a minus 1.b) ................................................................. 4839 N/A 1.c. 2. Adjustments for booking location of international operations: a. Net interest income attributable to international operations booked at domestic offices ... 4840 N/A 2.a. b. Net interest income attributable to domestic business booked at foreign offices ........... 4841 N/A 2.b. c. Net booking location adjustment (item 2.a minus 2.b) ...................................... 4842 N/A 2.c. 3. Noninterest income and expense attributable to international operations: a. Noninterest income attributable to international operations ............................... 4097 N/A 3.a. b. Provision for loan and lease losses attributable to international operations .............. 4235 N/A 3.b. c. Other noninterest expense attributable to international operations ........................ 4239 N/A 3.c. d. Net noninterest income (expense) attributable to international operations (item 3.a. minus 3.b and 3.c) ........................................................................ 4843 N/A 3.d. 4. Estimated pretax income attributable to international operations before capital allocation adjustment (sum of items 1.c, 2.c, and 3.d) .................................................. 4844 N/A 4. 5. Adjustment to pretax income for internal allocations to international operations to reflect the effects of equity capital on overall bank funding costs .................................. 4845 N/A 5. 6. Estimated pretax income attributable to international operations after capital allocation adjustment (sum of items 4 and 5) ............................................................ 4846 N/A 6. 7. Income taxes attributable to income from international operations as estimated in item 6 ..... 4797 N/A 7. 8. Estimated net income attributable to international operations (item 6 minus 7) ............... 4341 N/A 8. ---------------------- Memoranda Dollar Amounts in Thousands RIAD Bil Mil Thou - --------------------------------------------------------------------------------------------------------------------------- 1. Intracompany interest income included in item 1.a above ...................................... 4847 N/A M.1. 2. Intracompany interest expense included in item 1.b above ..................................... 4848 N/A M.2. ---------------------- 8
------------------- Year-to-date -------------------------- Dollar Amounts in Thousands RIAD Bil Mil Thou - --------------------------------------------------------------------------------------------------------------------------- 1. Interest income booked at IBFs .............................................................. 4849 N/A 1. 2. Interest expense booked at IBFs ............................................................. 4850 N/A 2. 3. Noninterest income attributable to international operations booked at domestic offices (excluding IBFs): a. Gains (losses) and extraordinary items ................................................... 5491 N/A 3.a. b. Fees and other noninterest income ........................................................ 5492 N/A 3.b. 4. Provision for loan and lease losses attributable to international operations booked at domestic offices (excluding IBFs) ........................................................... 4852 N/A 4. 5. Other noninterest expense attributable to international operations booked at domestic offices (excluding IBFs) ............................................................................ 4853 N/A 5. --------------------- SCHEDULE RI-E--EXPLANATIONS SCHEDULE RI-E IS TO BE COMPLETED EACH QUARTER ON A CALENDAR YEAR-TO-DATE BASIS. Detail all adjustments in Schedule RI-A and RI-B, all 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.) 10
------ I495 ------------ Year-to-date --------------------- Dollar Amounts in Thousands RIAD Bil Mil Thou - -------------------------------------------------------------------------------------------------------------------------- 1. All other noninterest income (from Schedule RI, item 5.f.(2)) Report amounts that exceed 10% of Schedule RI, item 5.f.(2): a. Net gains (losses) on other real estate owned . . . . . . . . . . . . . . . . . . . . . . . . 5415 0 1.a. b. Net gains (losses) on sales of loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5416 0 1.b. c. Net gains (losses) on sales of premises and fixed assets . . . . . . . . . . . . . . . . . . . 5417 0 1.c. Itemize and describe the three largest other amounts that exceed 10% of Schedule RI, item 5.f.(2): ----------- d. TEXT 4461 ATM PROCESSING REVENUE 4461 3,329 1.d. -------------------------------------------------------------------------------------------- e. TEXT 4462 4462 1.e. -------------------------------------------------------------------------------------------- f. TEXT 4463 4463 1.f. -------------------------------------------------------------------------------------------- 2. Other noninterest expense (from Schedule RI, item 7.c): a. Amortization expense of intangible assets . . . . . . . . . . . . . . . . . . . . . . . . . . 4531 0 2.a. Report amounts that exceed 10% of Schedule RI, item 7.c: b. Net (gains) losses on other real estate owned . . . . . . . . . . . . . . . . . . . . . . . . 5418 0 2.b. c. Net (gains) losses on sales of loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5419 0 2.c. d. Net (gains) losses on sales of premises and fixed assets . . . . . . . . . . . . . . . . . . . 5420 0 2.d. Itemize and describe the three largest other amounts that exceed 10% of Schedule RI, item 7.c: ----------- e. TEXT 4464 COMPUTER PROCESSING FEES 4464 23,689 2.e. -------------------------------------------------------------------------------------------- f. TEXT 4467 4467 2.f. -------------------------------------------------------------------------------------------- g. TEXT 4468 4468 2.g. -------------------------------------------------------------------------------------------- 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) TEXT 4469 4469 3.a.(1) ----------------------------------------------------------------------------------------- (2) Applicable income tax effect RIAD 4486 3.a.(2) ----------- -------------------- b. (1) TEXT 4487 4487 3.b.(1) ----------------------------------------------------------------------------------------- (2) Applicable income tax effect RIAD 4488 3.b.(2) ---------- -------------------- c. (1) TEXT 4489 4489 3.c.(1) ----------------------------------------------------------------------------------------- (2) Applicable income tax effect RIAD 4491 3.c.(2) -------------------- 4. Equity capital adjustments from amended Reports of Income (from Schedule RI-A, item 2) (itemize and describe all adjustments): ----------- a. TEXT 4492 4492 4.a. -------------------------------------------------------------------------------------------- b. TEXT 4493 4493 4.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. TEXT A546 EFFECT OF CHANGE TO GAAP FROM PREVIOUS NON-GAAP INSTRUCTIONS A546 0 5.a. -------------------------------------------------------------------------------------------- b. TEXT 4495 4495 5.b. -------------------------------------------------------------------------------------------- 6. Corrections of material accounting errors from prior years (from Schedule RI-A, item 10) (itemize and describe all corrections): ----------- a. TEXT 4496 4496 6.a. -------------------------------------------------------------------------------------------- b. TEXT 4497 4497 6.b. ------------------------------------------------------------------------------------------------------------------- 9 SCHEDULE RI-E--CONTINUED ------------ Year-to-date --------------------- Dollar Amounts in Thousands RIAD Bil Mil Thou - -------------------------------------------------------------------------------------------------------------------------- 7. Other transactions with parent holding company (from Schedule RI-A, item 13) (itemize and describe all transactions): ----------- a. TEXT 4498 CAPITAL INFUSION FROM HOLDING COMPANY 4498 18,000 7.a. -------------------------------------------------------------------------------------------- b. TEXT 4499 4499 7.b. -------------------------------------------------------------------------------------------- 8. Adjustments to allowance for loan and lease losses (from Schedule RI-B, part II, item 5) (itemize and describe all adjustments): ----------- a. TEXT 4521 ADDITIONAL CREDIT LOSS CURRENT YEAR 4521 (624) 8.a. -------------------------------------------------------------------------------------------- b. TEXT 4522 4522 8.b. ------------------------------------------------------------------------------------------------------------------- 9. Other explanations (the space below is provided for the bank to briefly describe, at its I498 I499 option, any other significant items affecting the Report of Income): --------------------- No comment \ \ (RIAD 4769) --------------------- Other explanations (please type or print clearly): (TEXT 4769) CONSOLIDATED REPORT OF CONDITION FOR INSURED COMMERCIAL AND STATE-CHARTERED SAVINGS BANKS FOR DECEMBER 31, 1997 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 - ------------- (1) Includes cash items in process of collection and unposted debits. (2) Includes time certificates of deposit not held for trading. 11
------- C400 ------------------ Dollar Amounts in Thousands RCFD Bil Mil Thou - --------------------------------------------------------------------------------------------------------------------- ASSETS 1. Cash and balances due from depository institutions (from Schedule RC-A): a. Noninterest-bearing balances and currency and coin(1) ................................... 0081 883,189 1.a. b. Interest-bearing balances(2) ............................................................ 0071 699,102 1.b. 2. Securities: a. Held-to-maturity securities (from Schedule RC-B, column A) .............................. 1754 0 2.a. b. Available-for-sale securities (from Schedule RC-B, column D) ............................ 1773 2,368,868 2.b. 3. Federal funds sold and securities purchased under agreements to resell ..................... 1350 536,350 3. 4. Loans and lease financing receivables: ------------------------ a. Loans and leases, net of unearned income (from Schedule RC-C) RCFD 2122 3,820,596 4.a. b. LESS: Allowance for loan and lease losses ................... RCFD 3123 79,389 4.b. c. LESS: Allocated transfer risk reserve ....................... RCFD 3128 0 4.c. d. Loans and leases, net of unearned income, ------------------------ allowance, and reserve (item 4.a minus 4.b and 4.c) ..................................... 2125 3,741,207 4.d. 5. Trading assets (from Schedule RC-D) ........................................................ 3545 0 5. 6. Premises and fixed assets (including capitalized leases) ................................... 2145 108,737 6. 7. Other real estate owned (from Schedule RC-M) ............................................... 2150 1,019 7. 8. Investments in unconsolidated subsidiaries and associated companies (from Schedule RC-M).... 2130 0 8. 9. Customers' liability to this bank on acceptances outstanding ............................... 2155 3,412 9. 10. Intangible assets (from Schedule RC-M) ..................................................... 2143 82 10. 11. Other assets (from Schedule RC-F) .......................................................... 2160 153,491 11. 12. Total assets (sum of items 1 through 11) ................................................... 2170 8,495,457 12. ------------------ SCHEDULE RC--CONTINUED 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 conducted 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 - ---------- (1) Includes total demand deposits and noninterest-bearing time and savings deposits. (2) Includes limited-life preferred stock and related surplus. 12
---------------------- Dollar Amounts in Thousands Bil Mil Thou - ------------------------------------------------------------------------------------------------------------------------ LIABILITIES 13. Deposits: a. In domestic offices (sum of totals of columns A and C from Schedule RC-E, part I) ................................................................................. RCON 2200 7,354,574 13.a. ------------------------ (1) Noninterest-bearing(1) ................................. RCON 6631 2,517,407 13.a.(1) (2) Interest-bearing ........................................ RCON 6636 4,837,167 13.a.(2) ------------------------ b. In foreign offices, Edge and Agreement subsidiaries, and IBPs (from Schedule RC-E, part II) ................................................................................ RCFN 2200 297,011 13.b. ------------------------ (1) Noninterest-bearing..................................... RCFN 6631 0 13.b.(1) (2) Interest-bearing ........................................ RCFN 6636 297,011 13.b.(2) ------------------------ 14. Federal funds purchased and securities sold under agreements to repurchase ................. RCFD 2800 123,867 14. 15. a. Demand notes issued to the U.S. Treasury ................................................ RCON 2840 0 15.a. b. Trading liabilities (from Schedule RC-D) ................................................ RCFD 3548 0 15.b. 16. Other borrowed money (includes mortgage indebtedness and obligations under capitalized leases: a. With a remaining maturity of one year or less ........................................... RCFD 2332 23,569 16.a. b. With a remaining maturity of more than one year through three years ..................... RCFD A547 0 16.b. c. With a remaining maturity of more than three years ...................................... RCFD A548 0 16.c. 17. Not applicable 18. Bank's liability on acceptances executed and outstanding ................................... RCFD 2920 3,412 18. 19. Subordinated notes and debentures(2) ....................................................... RCFD 3200 42,000 19. 20. Other liabilities (from Schedule RC-G) ..................................................... RCFD 2930 201,475 20. 21. Total liabilities (sum of items 13 through 20) ............................................. RCFD 2948 8,045,908 21. 22. Not applicable EQUITY CAPITAL 23. Perpetual preferred stock and related surplus .............................................. RCFD 3838 0 23. 24. Common stock ............................................................................... RCFD 3230 100,000 24. 25. Surplus (exclude all surplus related to preferred stock) ................................... RCFD 3839 222,057 25. 26. a. Undivided profits and capital reserves .................................................. RCFD 3632 100,906 26.a. b. Net unrealized holding gains (losses) on available-for-sale securities .................. RCFD 8434 26,586 26.b. 27. Cumulative foreign currency translation adjustments ........................................ RCFD 3284 0 27. 28. Total equity capital (sum of items 23 through 27) .......................................... RCFD 3210 449,549 28. 29. Total liabilities and equity capital (sum of items 21 and 28) .............................. RCFD 3300 8,495,457 29. ---------------------- 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 Number the most comprehensive level of auditing work performed for the bank by independent ------------------ external auditors as of any date during 1996 ................................................... RCFD 6724 N/A M.1. ------------------ SCHEDULE RC-A--CASH AND BALANCES DUE FROM DEPOSITORY INSTITUTIONS Exclude assets held for trading.
---- C405 ---------------------------------------- (Column A) (Column B) Consolidated Domestic Bank Offices ---------------------------------------- Dollars Amounts in Thousands RCFD Bil Mil Thou RCON Bil Mil Thou - ---------------------------------------------------------------------------------------------------------------------------- 1. Cash items in process of collection, unposted debits, and currency and coin ........................................................................ 0022 726,027 1. a. Cash items in process of collection and unposted debits ................. 0020 586,464 1.a. b. Currency and coin ....................................................... 0080 139,563 1.b. 2. Balances due from depository institutions in the U.S. ....................... 0082 154,483 2. a. U.S. branches and agencies of foreign banks (including their IBFs) ...... 0083 0 2.a. b. Other commercial banks in the U.S. and other depository institutions in the U.S. (including their IBFs) ...................................... 0085 154,483 2.b. 3. Balances due from banks in foreign countries and foreign central banks ...... 0070 699,102 3. a. Foreign branches of other U.S. banks .................................... 0073 699,102 3.a. b. Other banks in foreign countries and foreign central banks .............. 0074 0 3.b. 4. Balances due from Federal Reserve Banks ..................................... 0090 2,679 0090 2,679 4. 5. Total (sum of items 1 through 4) (total of column A must equal Schedule RC, sum of items 1.a and 1.b ....................................... 0010 1,582,291 0010 1,582,291 5. ---------------------------------------- SCHEDULE RC-B--SECURITIES Exclude assets held for trading.
------------------ Memorandum Dollars Amounts in Thousands RCON Bil Mil Thou - ---------------------------------------------------------------------------------------------------------------------------- 1. Noninterest-bearing balances due from commercial banks in the U.S. (included in item 2, column B above) .................................................................................... 0050 154,483 M.1 - ---------- (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. 13
---- C410 --------------------------------------------------------------------------------- Held-to-maturity Available-for-sale --------------------------------------------------------------------------------- (Column A) (Column B) (Column C) (Column D) Amortized Cost Fair Value Amortized Cost Fair Value(1) --------------------------------------------------------------------------------- Dollar Amounts in Thousands RCFD Bil Mil Thou RCFD Bil Mil Thou RCFD Bil Mil Thou RCFD Bil Mil Thou - ----------------------------------------------------------------------------------------------------------------------------- 1. U.S. Treasury securities ............. 0211 0 0213 0 1286 6,111 1287 6,214 1. 2. U.S. Government agency obligations (exclude mortgage-backed securities): a. Issued by U.S. Govern- ment agencies(2).................. 1289 0 1290 0 1291 48 1293 48 2.a. b. Issued by U.S. Government-sponsored agencies(3) ..................... 1294 0 1295 0 1297 223 1298 222 2.b. ---------------------------------------------------------------------------------- SCHEDULE RC-B--CONTINUED - ---------- (1) Includes equity securities without readily determinable fair values at historical cost in item 6.b, column D. 14
Held-to-maturity Available-for-sale ------------------------------------ ------------------------------------ (Column A) (Column B) (Column C) (Column D) Amortized Cost Fair Value Amortized Cost Fair Value(1) ----------------- ----------------- ----------------- ----------------- Dollar Amounts in Thousands RCFD Bil Mil Thou RCFD Bil Mil Thou RCFD Bil Mil Thou RCFD Bil Mil Thou - -------------------------------- ----------------- ----------------- ----------------- ----------------- 3. Securities issued by states and political subdivisions in the U.S.: a. General obligations....... 1676 0 1677 0 1678 14,642 1679 14,985 3.a. b. Revenue obligations....... 1681 0 1686 0 1690 26,229 1691 27,188 3.b. c. Industrial development and similar obligations... 1694 0 1695 0 1696 0 1697 0 3.c. 4. Mortgage-backed securities (MBS): a. Pass-through securities: (1) Guaranteed by GNMA.................. 1698 0 1699 0 1701 337,453 1702 340,875 4.a.(1) (2) Issued by FNMA and FHLMC............. 1703 0 1705 0 1706 1,882,778 1707 1,919,044 4.a.(2) (3) Other pass-through securities............ 1709 0 1710 0 1711 0 1713 0 4.a.(3) b. Other mortgage-backed securities (include CMOs, REMICs, and stripped MBS): (1) Issued or guaranteed by FNMA, FHLMC, or GNMA............... 1714 0 1715 0 1716 48,085 1717 47,854 4.b.(1) (2) Collateralized by MBS issued or guaranteed by FNMA, FHLMC, or GNMA........ 1718 0 1719 0 1731 603 1732 625 4.b.(2) (3) All other mortgage-backed securities............ 1733 0 1734 0 1735 678 1736 678 4.b.(3) 5. Other debt securities: a. Other domestic debt securities................ 1737 0 1738 0 1739 1,436 1741 1,452 5.a. b. Foreign debt securities... 1742 0 1743 0 1744 0 1746 0 5.b. 6. Equity securities: a. Investments in mutual funds and other equity securities with readily determinable fair values.. A510 0 A511 0 6.a. b. All other equity securities (1)............ 1752 9,683 1753 9,683 6.b. 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).................... 1754 0 1771 0 1772 2,327,969 1773 2,368,868 7. ----------------- ----------------- ----------------- ----------------- SCHEDULE RC-B--CONTINUED - ----------------- (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) Report fixed rate debt securities by remaining maturity and floating rate debt securites by repricing frequency. (4) Sum of Memorandum items 2.a.(1) through 2.a.(6) plus any nonaccrual debt securities in the categories of debt securities reported in Memorandum item 2.a that are included in Schedule RC-N, item 9, column C, must equal Schedule RC-B, sum of items 1, 2, 3, and 5, columns A and D, plus mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages included in Schedule RC-B, item 4.a, columns A and D. (5) Sum of Memorandum items 2.b.(1) through 2.b.(6) plus any nonaccrual mortgage pass-through securities backed by closed-end first lien 1-4 family residential mortgages included in Schedule RC-N, item 9, column C, must equal Schedule RC-B, item 4.a, sum of columns A and D, less the amount of mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages included in Schedule RC-B, item 4.a, columns A and D. (6) Sum of Memorandum items 2.c.(1) and 2.c.(2) plus any nonaccrual "Other mortgage-backed securities" included in Schedule RC-N, item 9, column C, must equal Schedule RC-B, item 4.b, sum of columns A and D. 15
---- Memoranda C412 ---- Dollar Amounts in Thousands RCFD Bil Mil Thou - --------------------------------------------------------------------------------- ----------------- 1. Pledged securities (1)........................................................ 0416 109,689 M.1. 2. Maturity and repricing data for debt securities(1), (2) (excluding those in nonaccrual status): A. SECURITIES ISSUED BY THE U.S. TREASURY, U.S. GOVERNMENT AGENCIES, AND STATES AND POLITICAL SUBDIVISIONS IN THE U.S.; OTHER NON-MORTGAGE DEBT SECURITIES; AND MORTGAGE PASS-THROUGH SECURITIES OTHER THAN THOSE BACKED BY CLOSED-END FIRST LIEN 1-4 FAMILY RESIDENTIAL MORTGAGES WITH A REMAINING MATURITY OR REPRICING FREQUENCY OF: (3)(4) (1) THREE MONTHS OR LESS................................................... A549 2,153 M.2.a.(1) (2) OVER THREE MONTHS THROUGH 12 MONTHS.................................... A550 10,094 M.2.a.(2) (3) OVER ONE YEAR THROUGH THREE YEARS...................................... A551 12,881 M.2.a.(3) (4) OVER THREE YEARS THROUGH FIVE YEARS.................................... A552 3,382 M.2.a.(4) (5) OVER FIVE YEARS THROUGH 15 YEARS....................................... A553 11,792 M.2.a.(5) (6) OVER 15 YEARS.......................................................... A554 9,807 M.2.a.(6) B. MORTGAGE PASS-THROUGH SECURITIES BACKED BY CLOSED-END FIRST LIEN 1-4 FAMILY RESIDENTIAL MORTGAGES WITH A REMAINING OR REPRICING FREQUENCY OF: (3)(5) (1) THREE MONTHS OR LESS................................................... A555 74,933 M.2.b.(1) (2) OVER THREE MONTHS THROUGH 12 MONTHS.................................... A556 33,766 M.2.b.(2) (3) OVER ONE YEAR THROUGH THREE YEARS...................................... A557 28 M.2.b.(3) (4) OVER THREE YEARS THROUGH FIVE YEARS.................................... A558 572 M.2.b.(4) (5) OVER FIVE YEARS THROUGH 15 YEARS....................................... A559 169,760 M.2.b.(5) (6) OVER 15 YEARS.......................................................... A560 1,980,860 M.2.b.(6) C. OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS; EXCLUDE MORTGAGE PASS-THROUGH SECURITIES) WITH AN EXPECTED AVERAGE LIFE OF: (6) (1) THREE YEARS OR LESS..................................................... A561 1,983 M.2.c.(1) (2) OVER THREE YEARS....................................................... A562 47,174 M.2.c.(2) D. FIXED RATE AND FLOATING RATE DEBT SECURITIES WITH A REMAINING MATURITY OF ONE YEAR OR LESS (INCLUDED IN MEMORANDUM ITEMS 2.a THROUGH 2.c ABOVE)....... A248 11,934 M.2.d. 3.-6. Not applicable 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)....................... 1778 0 M.7. 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............................................................. 8780 45,631 M.8.a. b. Fair value................................................................. 8781 45,442 M.8.b. 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............................................................. 8782 232 M.9.a. b. Fair value................................................................. 8783 250 M.9.b. ----------------- SCHEDULE RC-C--LOANS AND LEASE FINANCING RECEIVABLES PART I. LOANS AND LEASES Do not deduct the allowance for loan and lease losses from amounts reported in this schedule. Report total loans and losses, net of unearned income. Exclude assets held for trading and commercial paper. 16
--------- C415 ------------------------------------------ (Column A) (Column B) Consolidated Domestic Bank Offices ------------------------------------------ Dollar Amounts in Thousands RCFD Bil Mil Thou RCON Bil Mil Thou - ----------------------------------------------------------------------------------------------------------------------- 1. Loans secured by real estate............................................ 1410 1,830,207 1. a. Construction and land development.................................... 1415 152,175 1.a. b. Secured by farmland (including farm residential and other improvements)........................................................ 1420 23,923 1.b. 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.................... 1797 208,350 1.c.(1) (2) All other loans secured by 1-4 family residential properties: (a) Secured by first liens....................................... 5367 413,563 1.c.(2)(a) (b) Secured by junior liens...................................... 5368 574,839 1.c.(2)(b) d. Secured by multifamily (5 or more) residential properties............ 1460 26,232 1.d. e. Secured by nonfarm nonresidential properties......................... 1480 431,125 1.e. 2. Loans to depository institutions: a. To commercial banks in the U.S....................................... 1505 100,320 2.a. (1) To U.S. branches and agencies of foreign banks................... 1506 0 2.a.(1) (2) To other commercial banks in the U.S............................. 1507 100,320 2.a.(2) b. To other depository institutions in the U.S.......................... 1517 4,812 1517 4,812 2.b. c. To banks in foreign countries........................................ 1510 21 2.c. (1) To foreign branches of other U.S. banks.......................... 1513 21 2.c.(1) (2) To other banks in foreign countries.............................. 1516 0 2.c.(2) 3. Loans to finance agricultural production and other loans to farmers..... 1590 92,584 1590 92,584 3. 4. Commercial and industrial loans: a. To U.S. addressees (domicile)........................................ 1763 670,651 1763 670,651 4.a. b. To non-U.S. addressees (domicile).................................... 1764 13 1764 13 4.b. 5. Acceptances of other banks: a. Of U.S. banks........................................................ 1756 0 1756 0 5.a. b. Of foreign banks..................................................... 1757 0 1757 0 5.b. 6. Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans) (includes purchased paper).......... 1975 994,462 6. a. Credit cards and related plans (includes check credit and other revolving credit plans).............................................. 2008 65,320 6.a. b. Other (includes single payment, installment, and all student loans).. 2011 929,142 6.b. 7. Loans to foreign governments and official institutions (including foreign central banks).................................................. 2081 0 2081 0 7. 8. Obligations (other than securities and leases) of states and political subdivisions in the U.S. (includes nonrated industrial development obligations)............................................................ 2107 19,581 2107 19,581 8. 9. Other loans............................................................. 1563 108,303 9. a. Loans for purchasing or carrying securities (secured and unsecured).. 1545 20,331 9.a. b. All other loans (exclude consumer loans)............................. 1564 87,972 9.b. 10. Lease financing receivables (net of unearned income).................... 2165 0 10. a. Of U.S. addressees (domicile)........................................ 2182 0 10.a. b. Of non-U.S. addressees (domicile).................................... 2183 0 10.b. 11. LESS: Any unearned income on loans reflected in items 1-9 above......... 2123 358 2123 358 11. 12. Total loans and leases, net of unearned income (sum of items 1 through 10 minus item 11) (total of column A must equal Schedule RC, item 4.a).................................................. 2122 3,820,596 2122 3,820,596 12. ------------------------------------------ PART I. CONTINUED Memoranda - -------------------------------- (1) Report fixed rate loans and leases by remaining maturity and floating rate loans by repricing frequency. (2) Sum of Memorandum items 3.a.(1) through 3.a.(6) plus total nonaccrual closed-end loans secured by first liens on 1-4 family residential properties in domestic offices included in Schedule RC-N, Memorandum item 3.c.(2), column C, must equal total closed-end loans secured by first liens on 1-4 family residential properties from Schedule RC-C, part I, item 1.c(2)(a), column B. (3) Sum of Memorandum items 3.b.(1) through 3.b.(6), plus total nonaccrual loans and leases from Schedule RC-N, sum of items 1 through 8, column C, minus nonaccrual closed-end loans secured by first liens on 1-4 family residential properties in domestic offices included in Schedule RC-N, Memorandum item 3.c.(2), column C, must equal total loans and leases from Schedule RC-C, part I, sum of items 1 through 10, column A, minus total closed-end loans secured by first liens on 1-4 family residential properties in domestic offices from Schedule RC-C, part I, item 1.c.(2)(a), column B. (4) As defined for Schedule RC-C, part I, item 1.e, column B. (5) As defined for Schedule RC-C, part I, item 4, column A. 17
------------------------ Dollar Amounts in Thousands Bil Mil Thou - ---------------------------------------------------------------------------------------------------- 1. Not applicable 2. Loans 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. Loans secured by real estate: (1) To U.S. addressees (domicile).................................... RCFD 1687 0 M.2.a.(1) (2) To non-U.S. addressees (domicile)................................ RCFD 1689 0 M.2.a.(2) b. All other loans and all lease financing receivables (exclude loans to individuals for household, family, and other personal expenditures)....................................................... RCFD 8691 0 M.2.b. c. Commercial and industrial loans to and lease financing receivables of non-U.S. addressees (domicile) included in Memorandum item 2.b above............................................................... RCFD 8692 0 M.2.c. 3. Maturity and repricing data for loans and leases (excluding those in nonaccrual status): a. CLOSED-END LOANS SECURED BY FIRST LIENS ON 1-4 FAMILY RESIDENTIAL PROPERTIES IN DOMESTIC OFFICES WITH A REMAINING MATURITY OR REPRICING FREQUENCY OF: (1) (2) (1) THREE MONTHS OR LESS............................................ RCON A564 4,493 M.3.a.(1) (2) OVER THREE MONTHS THROUGH 12 MONTHS............................. RCON A565 100,174 M.3.a.(2) (3) OVER ONE YEAR THROUGH THREE YEARS............................... RCON A566 18,381 M.3.a.(3) (4) OVER THREE YEARS THROUGH FIVE YEARS............................. RCON A567 12,029 M.3.a.(4) (5) OVER FIVE YEARS THROUGH 15 YEARS................................ RCON A568 74,745 M.3.a.(5) (6) OVER 15 YEARS................................................... RCON A569 203,741 M.3.a.(6) b. ALL LOANS AND LEASES OTHER THAN CLOSED-END LOANS SECURED BY FIRST LIENS ON 1-4 FAMILY RESIDENTIAL PROPERTIES IN DOMESTIC OFFICES WITH A REMAINING MATURITY OR REPRICING FREQUENCY OF:(1) (3) (1) THREE MONTHS OR LESS............................................ RCFD A570 1,402,482 M.3.b.(1) (2) OVER THREE MONTHS THROUGH 12 MONTHS............................. RCFD A571 338,676 M.3.b.(2) (3) OVER ONE YEAR THROUGH THREE YEARS............................... RCFD A572 398,740 M.3.b.(3) (4) OVER THREE YEARS THROUGH FIVE YEARS............................. RCFD A573 938,138 M.3.b.(4) (5) OVER FIVE YEARS THROUGH 15 YEARS................................ RCFD A574 310,751 M.3.b.(5) (6) OVER 15 YEARS................................................... RCFD A575 11,305 M.3.b.(6) c. FIXED RATE AND FLOATING RATE LOANS AND LEASES WITH A REMAINING MATURITY OF ONE YEAR OR LESS (INCLUDED IN MEMORANDUM ITEMS 3.a AND 3.b ABOVE)........................................................... RCFD A247 1,845,825 M.3.c. d. FIXED RATE AND FLOATING RATE LOANS SECURED BY NONFARM NONRESIDENTIAL PROPERTIES IN DOMESTIC OFFICES(4) WITH A REMAINING MATURITY OF OVER FIVE YEARS (INCLUDED IN MEMORANDUM ITEM 3.b ABOVE)................... RCON A577 0 M.3.d. e. FIXED RATE AND FLOATING RATE COMMERCIAL AND INDUSTRIAL LOANS(5) WITH A REMAINING MATURITY OF OVER THREE YEARS (INCLUDED IN MEMORANDUM ITEM 3.b ABOVE)..................................................... RCFD A578 466 M.3.e. ------------------------ SCHEDULE RC-C--CONTINUED PART I. CONTINUED Memoranda (continued) - ---------- (1) Exclude loans secured by real estate that are included in Schedule RC-C, part I, item 1, column A. SCHEDULE RC-D--TRADING ASSETS AND LIABILITIES Schedule RC-D is to be completed only by banks with $1 billion or more in total assets or with $2 billion or more in par/notional amount of off-balance sheet derivative contracts (as reported in Schedule RC-L, items 14.a through 14.e, columns A through D).
-------------------------- Dollar Amounts in Thousands Bil Mil Thou - ------------------------------------------------------------------------------------------------------------- 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 9, column A, page RC-6(1)......................................... RCFD 2746 0 M.4. 5. Loans and leases held for sale (included in Schedule RC-C, part I, page RC-6).................................................................... RCFD 5369 0 M.5. 6. Adjustable rate closed-end loans secured by first liens on 1-4 family residential properties in domestic offices (included in Schedule RC-C, part I, item 1.c.(2)(a), column B, page RC-6)................................. RCON 5370 180,585 M.6. ------------------------
----- c420 -------------------------- Dollar Amounts in Thousands Bil Mil Thou - ------------------------------------------------------------------------------------------------------------- ASSETS 1. U.S. Treasury securities in domestic offices................................. RCON 3531 0 1. 2. U.S. Government agency obligations in domestic offices (exclude mortgage-backed securities).................................................. RCON 3532 0 2. 3. Securities issued by states and political subdivisions in the U.S. in domestic offices............................................................. RCON 3533 0 3. 4. Mortgage-backed securities MBS in domestic offices: a. Pass-through securities issued or guaranteed by FNMA, FHLMC, or GNMA...... RCON 3534 0 4.a b. Other mortgage-backed securities issued or guaranteed by FNMA, FHLMC, or GNMA (include CMOs, REMICs, and stripped MBS).......................... RCON 3535 0 4.b c. All other mortgage-backed securities...................................... RCON 3536 0 4.c 5. Other debt securities in domestic offices.................................... RCON 3537 0 5. 6. Certificates of deposit in domestic offices.................................. RCON 3538 0 6. 7. Commercial paper in domestic offices......................................... RCON 3539 0 7. 8. Bankers acceptances in domestic offices...................................... RCON 3540 0 8. 9. Other trading assets in domestic offices..................................... RCON 3541 0 9. 10. Trading assets in foreign offices............................................ RCFN 3542 0 10. 11. Revaluation gains on interest rate, foreign exchange rate, and other commodity and equity contracts: a. In domestic offices...................................................... RCON 3543 0 11.a b. In foreign offices....................................................... RCFN 3543 0 11.b 12. Total trading assets (sum of items 1 through 11) (must equal Schedule RC, item 5)..................................................................... RCFD 3545 0 12. ----------------------- 18
------------------------ Bil Mil Thou ------------------------ LIABILITIES 13. Liability for short positions............................................... RCFD 3546 0 13. 14. Revaluation losses on interest rate, foreign exchange rate, and other commodity and equity contracts.............................................. RCFD 3547 0 14. 15. Total trading liabilities (sum of items 13 and 14) (must equal Schedule RC, item 15.b).............................................................. RCFD 3548 0 15. ------------------------ SCHEDULE RC-E--DEPOSIT LIABILITIES PART I. DEPOSITS IN DOMESTIC OFFICES Memoranda
------ C425 ----------------------------------------------------------- Nontransaction Transaction Accounts Accounts ----------------------------------------------------------- (Column A) (Column B) (Column C) Total transaction Memo: Total Total accounts (including demand deposits nontransaction total demand (included in accounts deposits) column A) (including MMDAs) ------------------------------------------------------------ Dollar Amounts in Thousands RCON Bil Mil Thou RCON Bil Mil Thou RCON Bil Mil Thou - --------------------------------------------------------------------- -------------------- -------------------- ------------------ Deposits of: 1. Individuals, partnerships, and corporations.................. 2201 1,564,195 2240 1,478,547 2346 5,107,649 1. 2. U.S. Government.............................................. 2202 8,161 2280 8,161 2520 0 2. 3. States and political subdivisions in the U.S................. 2203 208,059 2290 119,834 2530 60,042 3. 4. Commercial banks in the U.S.................................. 2206 170,236 2310 170,236 2550 0 4. 5. Other depository institutions in the U.S..................... 2207 4,623 2312 4,623 2349 0 5. 6. Banks in foreign countries................................... 2213 29,307 2320 29,307 2236 0 6. 7. Foreign governments and official institutions (including foreign central banks)............................ 2216 0 2300 0 2377 139,000 7. 8. Certified and official checks................................ 2330 63,302 2330 63,302 8. 9. Total (sum of items 1 through 8) (sum of columns A and C must equal Schedule RC, item 13.a)........................................................ 2215 2,047,883 2210 1,874,010 2385 5,306,691 9. ------------------------------------------------------------ 19
------------------ Dollar Amounts in Thousands RCON Bil Mil Thou - ---------------------------------------------------------------------------------------------------- ------------------ 1. Selected components of total deposits (i.e., sum of item 9, columns A and C): a. Total Individual Retirement Accounts (IRAs) and Keogh Plan accounts......................... 6835 167,198 M.1.a. b. Total brokered deposits..................................................................... 2365 0 M.1.b. c. Fully insured brokered deposits (included in Memorandum item 1.b above): (1) Issued in denominations of less than $100,000........................................... 2343 0 M.1.c.(1) (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............... 2344 0 M.1.c.(2) 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)................ A243 0 M.1.d.(1) (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).................... A244 0 M.1.d.(2) 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)... 5590 228,844 M.1.e. 2. Components of total nontransaction accounts (sum of Memorandum items 2.a through 2.d must equal item 9, column C above): a. Savings deposits: (1) Money market deposit accounts (MMDAs)................................................... 6810 1,779,903 M.2.a.(1) (2) Other savings deposits (excludes MMDAs)................................................. 0352 2,214,307 M.2.a.(2) b. Total time deposits of less than $100,000................................................... 6648 944,535 M.2.b. c. Total time deposits of $100,000 or more..................................................... 2604 367,946 M.2.c. 3. All NOW accounts (included in column A above).................................................. 2398 173,873 M.3. ----------------- 4. Not applicable SCHEDULE RC-E--CONTINUED PART I. CONTINUED Memoranda (continued) - ------------------- (1) Report fixed rate time deposits by remaining maturity and floating rate time deposits by repricing frequency. (2) Sum of Memorandum items 5.a.(1) through 5.a.(4) must equal Schedule RC-E, Memorandum item 2.b above. (3) Sum of Memorandum items 5.a.(1) through 6.a.(4) must equal Schedule RC-E, Memorandum item 2.c above. 20
------------------ Dollar Amounts in Thousands RCON Bil Mil Thou - ---------------------------------------------------------------------------------------------------- ------------------ 5. Maturity and repricing data for time deposits of less than $100,000: a. Time deposits of less than $100,000 with a remaining maturity or repricing frequency of: (1)(2) (1) Three months or less..................................................................... A579 228,848 M.5.a.(1) (2) Over three months through 12 months...................................................... A580 468,583 M.5.a.(2) (3) Over one year through three years........................................................ A581 199,648 M.5.a.(3) (4) Over three years......................................................................... A582 47,456 M.5.a.(4) b. Fixed rate AND floating rate time deposits of less than $100,000 with a REMAINING MATURITY of one year or less (included in Memorandum items 5.a.(1) through 5.a.(4) above)............. A241 697,431 M.5.b. 6. Maturity and repricing data for time deposits of $100,000 or more: a. Time deposits of $100,000 or more with a remaining maturity or reprieving frequency of: (1)(3) (1) Three months or less..................................................................... A584 238,002 M.6.a.(1) (2) Over three months through 12 months...................................................... A585 98,122 M.6.a.(2) (3) Over one year through three years........................................................ A586 26,632 M.6.a.(3) (4) Over three years......................................................................... A587 5,190 M.6.a.(4) b. Fixed rate AND floating rate time deposits of $100,000 or more with a REMAINING MATURITY of one year or less (included in Memorandum items 6.a.(1) through 6.a.(4) above)................ A242 336,123 M.6.b. ------------------ SCHEDULE RC-E--CONTINUED PART II. DEPOSITS IN FOREIGN OFFICES (INCLUDING EDGE AND AGREEMENT SUBSIDIARIES AND IBFs) SCHEDULE RC-F--OTHER ASSETS
------------------------- Dollar Amounts in Thousands RCFN Bil Mil Thou - --------------------------------------------------------------------------------------------------------------------------- Deposits of: 1. Individuals, partnerships, and corporations . . . . . . . . . . . . . . . . . . . . . . . . . 2621 297,011 1. 2. U.S. banks (including IBFs and foreign branches of U.S. banks). . . . . . . . . . . . . . . . 2623 0 2. 3. Foreign banks (including U.S. branches and agencies of foreign banks, including their IBFs) . 2625 0 3. 4. Foreign governments and official institutions (including foreign central banks) . . . . . . . 2650 0 4. 5. Certified and official checks . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2330 0 5. 6. All other deposits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2668 0 6. 7. Total (sum of items 1 through 6) (must equal Schedule RC, item 13.b) . . . . . . . . . . . . 2200 297,011 7. ------------------------- Memorandum ------------------------- Dollar Amounts in Thousands RCFN Bil Mil Thou - --------------------------------------------------------------------------------------------------------------------------- 1. Time deposits with a remaining maturity of one year or less (included in Part II, item 7 above) A245 297,011 M.1. SCHEDULE RC-G--OTHER LIABILITIES
----------- C430 ------------------------- Dollar Amounts in Thousands Bil Mil Thou - --------------------------------------------------------------------------------------------------------------------------- 1. Income earned, not collected on loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . RCFD 2164 26,427 1. 2. Net deferred tax assets(1) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RCFD 2148 21,151 2. 3. Interest-only strips receivable (not in the form of a security) (2) on: a. Mortgage loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RCFD A519 0 3.a. b. Other financial assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RCFD A520 0 3.b. 4. Other (itemize and describe amounts that exceed 25% of this item) . . . . . . . . . . . . . . RCFD 2168 105,913 4. ------------- a. TEXT 3549 Bank Owned Life Insurance . . . . . . . . . . . . . . . RCFD 3549 54,806 4.a. b. TEXT 3550 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RCFD 3550 4.b. c. TEXT 3551 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RCFD 3551 4.c. 5. Total (sum of items 1 through 4) (must equal Schedule RC, item 11 . . . . . . . . . . . . . . RCFD 2160 153,491 5. Memorandum ------------------------- Dollar Amounts in Thousands Bil Mil Thou - --------------------------------------------------------------------------------------------------------------------------- 1. Deferred tax assets disallowed for regulatory capital purposes . . . . . . . . . . . . . . . RCFD 5610 0 M.1. 21
----------- C435 ------------------------- Dollar Amounts in Thousands Bil Mil Thou - --------------------------------------------------------------------------------------------------------------------------- 1. a. Interest accrued and unpaid on deposits in domestic offices (3) . . . . . . . . . . . . . RCON 3645 16,170 1.a. b. Other expenses accrued and unpaid (includes accrued income taxes payable) . . . . . . . . RCFD 3646 63,806 1.b. 2. Net deferred tax liabilities(1) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RCFD 3049 0 2. 3. Minority interest in consolidated subsidiaries . . . . . . . . . . . . . . . . . . . . . . . RCFD 3000 0 3 4. Other (itemize and describe amounts that exceed 25% of this item) . . . . . . . . . . . . . . RCFD 2938 121,499 4. ------------- a. TEXT 3552 Security Purchased Not Settled . . . . . . . . . . . . . RCFD 3552 71,423 4.a. b. TEXT 3553 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RCFD 3553 4.b. c. TEXT 3554 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RCFD 3554 4.c. 5. Total (sum of items 1 through 4) (must equal Schedule RC, item 20 . . . . . . . . . . . . . . RCFD 2930 201,475 5. ------------- ------------------------ (1) See discussion of deferred income taxes in Glossary entry on "income taxes." (2) Report interest-only strips receivable in the form of a security as available-for-sale securities in Schedule RC, item 2.b, or as trading assets in Schedule RC, item 5, as appropriate. (3) For savings banks, include "dividends" accrued and unpaid on deposits. SCHEDULE RC-H--SELECTED BALANCE SHEET ITEMS FOR DOMESTIC OFFICES Memorandum (to be completed only by banks with IBFs and other "foreign" offices)
c440 ----- Domestic Offices -------------------- Dollar Amounts in Thousands RCON Bil Mil Thou - --------------------------------------------------------------------------------------------------------------- 1. Customers' liability to this bank on acceptances outstanding........................ 2155 3,412 1. 2. Bank's liability on acceptances executed and outstanding............................ 2920 3,412 2. 3. Federal funds sold and securities purchased under agreements to resell.............. 1350 536,350 3. 4. Federal funds purchased and securities sold under agreements to repurchase.......... 2800 123,867 4. 5. Other borrowed money................................................................ 3190 23,569 5. EITHER 6. Net due from own foreign offices, Edge and Agreement subsidiaries, and IBFs......... 2163 N/A 6. OR 7. Net due to own foreign offices, Edge and Agreement subsidiaries, and IBFs........... 2941 261,000 7. 8. Total assets (excludes net due from foreign offices, Edge and Agreement subsidiaries, and IBFs)............................................................. 2192 8,495,457 8. 9. Total liabilities (excludes net due to foreign offices, Edge and Agreement subsidiaries, and IBFs)............................................................. 3129 7,748,895 9. -------------------- -------------------- ITEMS 10-17 INCLUDE HELD-TO-MATURITY AND AVAILABLE-FOR-SALE RCON Bil Mil Thou SECURITIES IN DOMESTIC OFFICES. -------------------- 10. U.S. Treasury securities............................................................ 1779 6,214 10. 11. U.S. Government agency obligations (exclude mortgage-backed securities)............. 1785 270 11. 12. Securities issued by states and political subdivisions in the U.S. ................. 1786 42,173 12. 13. Mortgage-backed securities (MBS): a. Pass-through securities: (1) Issued or guaranteed by FNMA, FHLMC, or GNMA................................. 1787 2,259,919 13.a.(1) (2) Other pass-through securities................................................ 1869 0 13.a.(2) b. Other mortgage-backed securities (include CMOs, REMICs, and stripped MBS): (1) Issued or guaranteed by FNMA, FHLMC, or GNMA................................. 1877 47,854 13.b.(1) (2) All other mortgage-backed securities......................................... 2253 1,303 13.b.(2) 14. Other domestic debt securities...................................................... 3159 1,452 14. 15. Foreign debt securities............................................................. 3160 0 15. 16. Equity securities: a. Investments in mutual funds and other equity securities with readily determinable fair values......................................................... A513 0 16.a. b. All other equity securities...................................................... 3169 9,683 16.b. 17. Total held-to-maturity and available-for-sale securities (sum of items 10 through 16)......................................................................... 3170 2,368,868 17. -------------------- 22
Dollar Amounts in Thousands RCON Bil Mil Thou - --------------------------------------------------------------------------------------------------------------- EITHER 1. Net due from the IBF of the domestic offices of the reporting bank................... 3051 397 M.1. OR 2. Net due to the IBF of the domestic offices of the reporting bank..................... 3059 N/A M.2. -------------------- SCHEDULE RC-I--SELECTED ASSETS AND LIABILITIES OF IBFs TO BE COMPLETED ONLY BY BANKS WITH IBFs AND OTHER "FOREIGN" OFFICES. SCHEDULE RC-K--QUARTERLY AVERAGES(1)
c445 ----- Dollar Amounts in Thousands RCFN Bil Mil Thou - -------------------------------------------------------------------------------------------------------------------- 1. Total IBF assets of the consolidated bank (component of Schedule RC, item 12)........ 2133 0 1. 2. Total IBF loans and lease financing receivables (component of Schedule RC-C, part I, item 12, column A)........................................................... 2076 0 2. 3. IBF commercial and industrial loans (component of Schedule RC-C, part I, item 4, column A).................................................................... 2077 0 3. 4. Total IBF liabilities (component of Schedule RC, item 21)............................ 2898 397 4. 5. IBF deposit liabilities due to banks, including other IBFs (component of Schedule RC-E, part II, items 2 and 3)............................................... 2379 0 5. 6. Other IBF deposit liabilities (component of Schedule RC-E, part II, items 1, 4, 5, and 6)................................................................ 2381 0 6. ------------------------- - --------------- (1) For all items, banks have the option of reporting either (1) an average of daily figures for the quarter, or (2) an average of weekly figures (i.e., the Wednesday of each week of the quarter). (2) Quarterly averages for all debt securities should be based on amortized cost. (3) Quarterly averages for all equity securities should be based on historical cost. (4) 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. 23
c455 ----- Dollar Amounts in Thousands Bil Mil Thou - -------------------------------------------------------------------------------------------------------------------- ASSETS 1. Interest-bearing balances due from depository institutions.......................... RCFD 3381 871,014 1. 2. U.S. Treasury securities and U.S. Government agency obligations(2).................. RCFD 3382 2,038,033 2. 3. Securities issued by states and political subdivisions in the U.S.(2)............... RCFD 3383 43,835 3. 4. a. Other debt securities(2)......................................................... RCFD 3647 113,746 4.a. b. Equity securities(3) (includes investments in mutual funds and Federal Reserve stock)................................................................... RCFD 3648 9,683 4.b. 5. Federal funds sold and securities purchased under agreements to resell.............. RCFD 3365 235,112 5. 6. Loans: a. Loans in domestic offices: (1) Total loans.................................................................. RCON 3360 3,757,033 6.a.(1) (2) Loans secured by real estate................................................. RCON 3385 1,870,414 6.a.(2) (3) Loans to finance agricultural production and other loans to farmers.......... RCON 3386 87,113 6.a.(3) (4) Commercial and industrial loans.............................................. RCON 3387 757,077 6.a.(4) (5) Loans to individuals for household, family, and other personal expenditures................................................................. RCON 3388 804,243 6.a.(5) b. Total loans in foreign offices, Edge and Agreement subsidiaries, and IBFs........ RCFN 3360 0 6.b. 7. Trading assets...................................................................... RCFD 3401 0 7. 8. Lease financing receivables (net of unearned income)................................ RCFD 3484 2 8. 9. Total assets(4)..................................................................... RCFD 3368 8,074,274 9. LIABILITIES 10. Interest-bearing transaction accounts in domestic offices (NOW accounts, ATS accounts, and telephone and preauthorized transfer accounts) (exclude demand deposits)........................................................................... RCON 3485 167,486 10. 11. Nontransaction accounts in domestic offices: a. Money market deposit accounts (MMDAs)............................................ RCON 3486 1,760,952 11.a. b. Other savings deposits........................................................... RCON 3487 1,747,804 11.b. c. Time deposits of $100,000 or more................................................ RCON A514 380,545 11.c. d. Time deposits of less than $100,000.............................................. RCON A529 950,979 11.d. 12. Interest-bearing deposits in foreign offices, Edge and Agreement subsidiaries, and IBFs............................................................................ RCFN 3404 272,409 12. 13. Federal funds purchased and securities sold under agreements to repurchase.......... RCFD 3353 71,693 13. 14. Other borrowed money (includes mortgage indebtedness and obligations under capitalized leases)................................................................. RCFD 3355 9,337 14. ------------------------- 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. 24
C460 ------- Dollar Amounts in Thousands RCFD Bil Mil Thou - ---------------------------------------------------------------------------------------------------------------------- 1. Unused commitments: a. Revolving, open-end lines secured by 1-4 family residential properties, e.g., home equity lines.................................................................. 3814 287,807 1.a. b. Credit card lines.................................................................. 3815 0 1.b. c. Commercial real estate, construction, and land development: (1) Commitments to fund loans secured by real estate............................... 3816 176,238 1.c.(1) (2) Commitments to fund loans not secured by real estate........................... 6550 15 1.c.(2) d. Securities underwriting............................................................ 3817 0 1.d. e. Other unused commitments........................................................... 3818 1,331,207 1.e. 2. Financial standby letters of credit and foreign office guarantees..................... 3819 57,714 2. ----------------- a. Amount of financial standby letters of credit conveyed to others RCFD 3820 0 2.a. ----------------- 3. Performance standby letters of credit and foreign office guarantees................... 3821 0 3. ----------------- a. Amount of performance standby letters of credit conveyed to others RCFD 3822 0 3.a. ----------------- 4. Commercial and similar letters of credit.............................................. 3411 114,752 4. 5. Participations in acceptances (as described in the instructions) conveyed to others by the reporting bank.................................................................... 3428 0 5. 6. Participations in acceptances (as described in the instructions acquired by the reporting (nonaccepting) bank......................................................... 3429 0 6. 7. Securities borrowed................................................................... 3432 330,020 7. 8. Securities lent (including customers' securities lent where the customer is indemnified against loss by the reporting bank)....................................... 3433 1,214,149 8. 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... A521 0 9.a.(1) (2) AMOUNT OF RECOURSE EXPOSURE ON THESE MORTGAGES AS OF THE REPORT DATE........... A522 0 9.a.(2) 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...... A523 0 9.b.(1) (2) AMOUNT OF RECOURSE EXPOSURE ON THESE ASSETS AS OF THE REPORT DATE.............. A524 0 9.b.(2) 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............................................................. A249 0 9.c.(1) (2) Amount of retained recourse on these obligations as of the report date......... A250 0 9.c.(2) 10. NOTIONAL AMOUNT OF CREDIT DERIVATIVES: a. CREDIT DERIVATIVES ON WHICH THE REPORTING BANK IS THE GUARANTOR.................... A534 0 10.a. b. CREDIT DERIVATIVES ON WHICH THE REPORTING BANK IS THE BENEFICIARY.................. A535 0 10.b. 11. Spot foreign exchange contracts....................................................... 8765 0 11. 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, "Total equity capital")............................................................... 3430 0 12. --------- --------------------------------------------- a. TEXT 3555 RCFD 3555 12.a. ------------------------------------- b. TEXT 3556 RCFD 3556 12.b. ------------------------------------- c. TEXT 3557 RCFD 3557 12.c. ------------------------------------- d. TEXT 3558 RCFD 3558 12.d. -------------------------------------------------------------------------------------------------------------- SCHEDULE RC-L--CONTINUED
------------------ Dollar Amounts In Thousands RCFD Bil Mil Thou - ------------------------------------------------------------------------------------------------------------------ 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, "Total equity capital") 5591 0 13.
------------------------- a. TEXT 5592 RCFD 5592 13.a. ------------------------------------------------------ b. TEXT 5593 RCFD 5593 13.b. ------------------------------------------------------ c. TEXT 5594 RCFD 5594 13.c. ------------------------------------------------------ d. TEXT 5595 RCFD 5595 13.d. ----------------------------------------------------------------------------------------------------- 25
---- C410 ---------------------------------------------------------------------------------- (Column A) (Column B) (Column C) (Column D) Interest Rate Foreign Exchange Equity Derivative Commodity and Dollar Amounts in Thousands Contracts Contracts Contracts Other Contracts - ----------------------------------------------------------------------------------------------------------------------------- Off-balance Sheet Derivatives Position Indicators Tril Bil Mil Thou Tril Bil Mil Thou Tril Bil Mil Thou Tril Bil Mil Thou - ----------------------------------------------------------------------------------------------------------------------------- 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 ............... 0 0 0 0 14.a. RCFD 8693 RCFD 8694 RCFD 8695 RCFD 8696 b. Forward contracts ............... 0 0 0 0 14.b. RCFD 8697 RCFD 8698 RCFD 8699 RCFD 8700 c. Exchange-traded option contracts: (1) Written options ............. 0 0 0 0 14.c.(1) RCFD 8701 RCFD 8702 RCFD 8703 RCFD 8704 (2) Purchased options ........... 0 0 0 0 14.c.(2) RCFD 8705 RCFD 8706 RCFD 8707 RCFD 8708 d. Over-the-counter option contracts: (1) Written options ............. 0 0 0 0 14.d.(1) RCFD 8709 RCFD 8710 RCFD 8711 RCFD 8712 (2) Purchased options ........... 0 0 0 0 14.d.(2) RCFD 8713 RCFD 8714 RCFD 8715 RCFD 8716 e. Swaps............................ 0 0 0 0 14.e RCFD 3450 RCFD 3826 RCFD 8719 RCFD 8720 15. Total gross notional amount of derivation contracts held for trading.............................. 0 0 0 0 15. RCFD A126 RCFD A127 RCFD 8723 RCFD 8724 16. Gross notional amount of derivative contracts held for purposes other than trading: a. Contracts marked to market...... 0 0 0 0 16.a. RCFD 8725 RCFD 8726 RCFD 8727 RCFD 8728 b. Contracts not marked to market ......................... 0 0 0 0 16.b. RCFD 8729 RCFD 8730 RCFD 8731 RCFD 8732 c. INTEREST RATE SWAPS WHERE THE BANK HAS AGREED TO PAY A FIXED RATE ................... 0 16.c. RCFD A589
SCHEDULE RC-L--CONTINUED ---- C410 ---------------------------------------------------------------------------- (Column A) (Column B) (Column C) (Column D) Interest Rate Foreign Exchange Equity Derivative Commodity and Dollar Amounts in Thousands Contracts Contracts Contracts Other Contracts - ------------------------------------------------------------------------------------------------------------------------ Off-balance Sheet Derivatives Position Indicators RCFD Bil Mil Thou RCFD Bil Mil Thou RCFD Bil Mil Thou RCFD Bil Mil Thou - ------------------------------------------------------------------------------------------------------------------------ 17. Gross fair values of derivative contracts: a. Contracts held for trading: (1) Gross positive fair value ................... 8733 0 8734 0 8735 0 8736 0 17.a.(1) (2) Gross negative fair value ................... 8737 0 8738 0 8739 0 8740 0 17.a.(2) b. Contracts held for purposes other than trading that are marked to market: (1) Gross positive fair value ................. 8741 0 8742 0 8743 0 8744 0 17.b.(1) (2) Gross negative fair value................... 8745 0 8746 0 8747 0 8748 0 17.b.(2) c. Contracts held for purposes other than trading that are not marked to market: (1) Gross positive fair value .................. 8749 0 8750 0 8751 0 8752 0 17.c.(1) (2) Gross negative fair value .................. 8753 0 8754 0 8755 0 8756 0 17.c.(2) 26
Memoranda Dollar Amounts in Thousands RCFD Bil Mil Thou - ------------------------------------------------------------------------------------------------------------------------- 1. -2. Not applicable 3. Unused commitments with an original maturity exceeding one year that are reported in Schedule RC-L, items 1.a through 1.e above (report only the unused portions of commitments that are fee paid or otherwise legally binding)................................................. 3833 954,870 M.3. a. Participations in commitments with an original maturity exceeding one year conveyed to others ......................... RCFD 3834 101,285 M.3.a. 4. To be completed only by banks with $1 billion or more in total assets: Standby letters of credit and foreign office guarantees (both financial and performance) issued to non-U.S. addressess (domicile) included in Scedule RC-L, items 2 and 3, above............... 3377 0 M.4. 5. Installment loans to individuals for household, family, and other personal expenditures that have been securitized and sold (with servicing retained), amounts outstanding by type of loan: a. Loans to purchase private passenger automobiles (TO BE COMPLETED FOR THE SEPTEMBER REPORT ONLY) .................................................................... 2741 N/A M.5.a. b. Credit cards and related plans (TO BE COMPLETED QUARTERLY) 2742 67,298 M.5.b. c. All other consumer installment credit (including mobile home loans) (TO BE COMPLETED FOR THE SEPTEMBER REPORT ONLY ..................................................................... 2743 N/A M.5.c. SCHEDULE RC-M--MEMORANDA - ------------------------ (1) Do not report federal funds sold and securities purchased under agreements to resell with other commercial banks in the U.S. in this item. 27
----------- C465 -------------------------- Dollar Amounts in Thousands RCFD Bil Mil Thou - --------------------------------------------------------------------------------------------------------------------------- 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 . . . . . . . . . . . . . . . . . . . . 6164 1,504 1.a. 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. Number --------------------- RCFD 6165 1 1.b. --------------------- 2. Federal funds sold and securities purchased under agreements to resell with U.S. branches and agencies of foreign banks(1) (included in Schedule RC, item 3) . . . . . . . . . . . . . . 3405 0 2. 3. Not applicable. 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 . . . . . . . . . . . . . . . . . . . . . . . . . 5500 0 4.a. b. Mortgages serviced under a FHLMC contract: (1) Serviced with recourse to servicer . . . . . . . . . . . . . . . . . . . . . . . . . . 5501 0 4.b.(1) (2) Serviced without recourse to servicer . . . . . . . . . . . . . . . . . . . . . . . . . 5502 0 4.b.(2) c. Mortages serviced under a FNMA contract: (1) Serviced under a regular option contract. . . . . . . . . . . . . . . . . . . . . . . . 5503 0 4.c.(1) (2) Serviced under a special option contract. . . . . . . . . . . . . . . . . . . . . . . . 5504 0 4.c.(2) d. Mortage serviced under other servicing contracts. . . . . . . . . . . . . . . . . . . . . . 5505 0 4.d. 5. To be completed only by banks with $1 billion or more in total assets: Customers' liability to this bank on acceptances outstanding (sum of items 5.a and 5.b must equal Schedule RC, item 9): a. U.S. addressees (domicile) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2103 3,412 5.a. b. Non-U.S. addressees (domicile). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2104 0 5.b. 6. Intangible assets: a. Mortgage servicing assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3164 0 6.a. --------------------- (1) Estimated fair value of mortgage servicing assets . . . . . . . . RCFD A590 0 6.a.(1) --------------------- b. Other identifiable intangible assets: (1) Purchased credit card relationships . . . . . . . . . . . . . . . . . . . . . . . . . . 5506 0 6.b.(1) (2) All other identifiable intangible assets. . . . . . . . . . . . . . . . . . . . . . . . 5507 0 6.b.(2) c. Goodwill . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3163 82 6.c. d. Total (sum of items 6.a, 6.b.(1), 6.b.(2), and 6.c (must equal Schedule RC, item 10) . . . 2143 82 6.d. e. Amount of intangible assets (included in item 6.b.(2) above) that have been grandfathered or are otherwise qualifying for regulatory capital purposes . . . . . . . . . . . . . . . . . 6442 0 6.e. 7. Mandatory convertible debt, net of common or perpetual preferred stock dedicated to redeem the debt . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3295 0 7. -------------------------- SCHEDULE RC-M--CONTINUED
---------------------- Dollar Amounts in Thousands Bil Mil Thou - ------------------------------------------------------------------------------------------------------------------------ 8. a. Other real estate owned: (1) Direct and indirect investments in real estate ventures ............................ RCFD 5372 0 8.a.(1) (2) All other real estate owned: (a) Construction and land development in domestic offices .......................... RCON 5508 0 8.a.(2)(a) (b) Farmland in domestic offices ................................................... RCON 5509 0 8.a.(2)(b) (c) 1-4 family residential properties in domestic offices .......................... RCON 5510 1,019 8.a.(2)(c) (d) Multifamily (5 or more) residential properties in domestic offices ............. RCON 5511 0 8.a.(2)(d) (e) Nonfarm nonresidential properties in domestic offices .......................... RCON 5512 0 8.a.(2)(e) (f) In foreign offices ............................................................. RCFN 5513 0 8.a.(2)(f) (3) Total (sum of items 8.a.(1) and 8.a.(2)) (must equal Schedule RC, item 7) .......... RCFD 2150 1,019 8.a.(3) b. Investments in unconsolidated subsidiaries and associated companies: (1) Direct and indirect investments in real estate ventures ............................ RCFD 5374 0 8.b.(1) (2) All other investments in unconsolidated subsidiaries and associated companies ...... RCFD 5375 0 8.b.(2) (3) Total (sum of items 8.b.(1) and 8.b.(2)) (must equal Schedule RC, item 8) .......... RCFD 2130 0 8.b.(3) 9. Noncumulative perpetual preferred stock and related surplus included in Schedule RC, item 23, "Perpetual preferred stock and related surplus" .................................. RCFD 3778 0 9. 10. Mutual fund and annuity sales in domestic offices during the quarter (include proprietary, private label, and third party products): a. Money market funds ..................................................................... RCON 6441 35,984 10.a. b. Equity securities funds ................................................................ RCON 8427 0 10.b. c. Debt securities funds .................................................................. RCON 8428 0 10.c. d. Other mutual funds ..................................................................... RCON 8429 46,266 10.d. e. Annuities .............................................................................. RCON 8430 10,792 10.e. f. Sales of proprietary mutual funds and annuities (included in items 10.a through 10.e above)............................................................................. RCON 8784 39,678 10.f. 11. Net unamortized realized deferred gains (leases) on off-balance sheet derivative contracts included in assets and liabilities reported in Schedule RC ...................... RCFD A525 0 11. 12. Amount of assets netted against nondeposit liabilities and deposits in foreign offices (other than insured branches in Puerto Rico and U.S. territories and possessions) on the balance sheet (Schedule RC) in accordance with generally accepted accounting principles(1) ............................................................................. RCFD A526 0 12. 13. OUTSTANDING PRINCIPAL BALANCE OF LOANS OTHER THAN 1-4 FAMILY RESIDENTIAL MORTGAGE LOANS THAT ARE SERVICED FOR OTHERS (TO BE COMPLETED IF THIS BALANCE IS MORE THAN $10 MILLION AND EXCEEDS TEN PERCENT OF TOTAL ASSETS) ...................................... RCFD A591 0 13. ----------------------- - ---------- (1) Exclude netted on-balance sheet amount associated with off-balance sheet derivative contracts, deferred tax assets netted against deferred tax liabilities, and assets netted in accounting for pensions. 28
- ----------------------------------------------------------------------------------------------------------------------------- ------------------ Memorandum Dollar Amounts in Thousands RCFD Bil Mil Thou - -------------------------------------------------------------------------------------------------------------------- 1. Reciprocal holdings of banking organizations' capital instruments (TO BE COMPLETED FOR THE DECEMBER REPORT ONLY) ............................................. 3836 0 M.1. ------------------ - ----------------------------------------------------------------------------------------------------------------------------- SCHEDULE RC-N--PAST DUE AND NONACCRUAL LOANS, LEASES, AND OTHER ASSETS The FFIEC regards the information reported in all of Memorandum item 1, in items 1 through 10, column A, and in Memorandum items 2 through 4, column A, as confidential Amounts reported in items 1 through 8 above include guaranteed and unguaranteed portions of past due and nonaccrual loans and leases. Report in item 10 below certain guaranteed loans and leases that have already been included in the amounts reported in items 1 through 8.
----------- C470 --------------------------------------------------------------------- (Column A) (Column B) (Column C) Past due Past due 90 Nonaccrual 30 through 89 days or more days and still and still accruing accruing --------------------------------------------------------------------- Dollar Amounts in Thousands RCFD Bil Mil Thou RCFD Bil Mil Thou RCFD Bil Mil Thou - -------------------------------------------------------------------------------------------------------------------------- 1. Loans secured by real estate: a. To U.S. addressees (domicile) . . . . . . . . 1245 28,620 1246 4,200 1247 5,311 1.a. b. To non-U.S. addressees (domicile) . . . . . . 1248 0 1249 0 1250 0 1.b. 2. Loans to depository institutions and acceptances of other banks: a. To U.S. banks and other U.S. depository institutions . . . . . . . . . . . . . . . . 5377 0 5378 0 5379 0 2.a. b. To foreign banks. . . . . . . . . . . . . . . 5380 0 5381 0 5382 0 2.b. 3. Loans to finance agricultural production and other loans to farmers . . . . . . . . . . . . . 1594 2,439 1597 342 1583 1,259 3. 4. Commercial and industrial loans: a. To U.S. addressees (domicile) . . . . . . . . 1251 36,280 1252 2,792 1253 589 4.a. b. To non-U.S. addressees (domicile) . . . . . . 1254 0 1255 0 1256 0 4.b. 5. Loans to individuals for household, family, and other personal expenditures: a. Credit cards and related plans. . . . . . . . 5383 269 5384 0 5385 0 5.a. b. Other (includes single payment, installment, and all student loans). . . . . . . . . . . . 5386 20,917 5387 8,893 5388 137 5.b. 6. Loans to foreign governments and official institutions . . . . . . . . . . . . . . . . . . 5389 0 5390 0 5391 0 6. 7. All other loans. . . . . . . . . . . . . . . . . 5459 0 5460 494 5461 3 7. 8. Lease financing receivables: a. Of U.S. addressees (domicile) . . . . . . . . 1257 0 1258 0 1259 0 8.a. b. Of non-U.S. addressees (domicile) . . . . . . 1271 0 1272 0 1791 0 8.b. 9. Debt securities and other assets (exclude other real estate owned and other repossessed assets). 3505 0 3506 0 3507 0 9. --------------------------------------------------------------------- - --------------------------------------------------------------------------------------------------------------------------------- - --------------------------------------------------------------------------------------------------------------------------------- 29
--------------------------------------------------------------------- RCFD Bil Mil Thou RCFD Bil Mil Thou RCFD Bil Mil Thou --------------------------------------------------------------------- 10. Loans and leases reported in items 1 through 8 above which are wholly or partially guaranteed by the U.S. Government . . . . . . . 5612 12,231 5613 4,028 5614 128 10. a. Guaranteed portion of loans and leases included in item 10 above. . . . . . . . . . 5615 12,200 5616 4,019 5617 113 10.a. --------------------------------------------------------------------- SCHEDULE RC-N--CONTINUED
---- C473 --------------------------------------------------------- (Column A) (Column B) (Column C) Past due Past due 90 Nonaccrual 30 through 89 days or more days and still and still accruing accruing Memoranda --------------------------------------------------------- Dollar Amounts in Thousands RCFD Bil Mil Thou RCFD Bil Mil Thou RCFD Bil Mil Thou - ------------------------------------------------------------------------------------------------------------- 1. Restructured loans and leases included in Schedule RC-N, items 1 through 8, above (and not reported in Schedule RC-C, part I. Memorandum item 2) . . . . . . . . . . . . . . . . . . . . . 1658 0 1659 0 1661 0 M.1. 2. Loans to finance commercial real estate, construction, and land development activities (not secured by real estate) included in Schedule RC-N, items 4 and 7, above . . . . . . . 6558 0 6559 0 6560 0 M.2. --------------------------------------------------------- 3. Loans secured by real estate in domestic offices RCON Bil Mil Thou RCON Bil Mil Thou RCON Bil Mil Thou (included in Schedule RC-N, item 1, above): --------------------------------------------------------- a. Construction and land development. . . . . . . 2759 9,202 2769 1,246 3492 340 M.3.a. b. Secured by farmland. . . . . . . . . . . . . . 3493 941 3494 0 3495 0 M.3.b. 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 . . . . . . 5398 175 5399 0 5400 0 M.3.c.(1) (2) All other loans secured by 1-4 family residential properties . . . . . . . . . . 5401 8,344 5402 1,466 5403 3,581 M.3.c.(2) d. Secured by multifamily (5 or more) residential properties . . . . . . . . . . . . . . . . . . 3499 0 3500 0 3501 0 M.3.d. e. Secured by nonfarm nonresidential properties . 3502 9,958 3503 1,488 3504 1,390 M.3.e. ---------------------------------------------------------
--------------------------------------- (Column A) (Column B) Past due 30 Past due 90 through 89 days days or more --------------------------------------- RCFD Bil Mil Thou RCFD Bil Mil Thou --------------------------------------- 4. Interest rate, foreign exchange rate, and other commodity and equity contracts: a. Book value of amounts carried as assets. . . . 3522 0 3528 0 M.4.a. b. Replacement cost of contracts with a positive replacement cost. . . . . . . . . . . 3529 0 3530 0 M.4.b. --------------------------------------- 30
- ------------------------------------------------------------------------------------------------------------------------- Person to whom questions about the Reports of Condition and Income should be directed: C477 ---------- Laura Ewald (303) 863-4591 - -------------------------------------------------------- ---------------------------------------------- Name and Title (TEXT 8901) Area code/phone number/extension (TEXT 8902) 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. 31
------ C475 -------------------- Dollar Amounts in Thousands RCON Bil Mil Thou - ------------------------------------------------------------------------------------------------------------------------- 1. Unposted debits (see instructions): a. Actual amount of all unposted debits........................................................ 0030 21,019 1.a. OR b. Separate amount of unposted debits: (1) Actual amount of unposted debits to demand deposits..................................... 0031 N/A 1.b.(1) (2) Actual amount of unposted debits to time and savings deposits(1)........................ 0032 N/A 1.b.(2) 2. Unposted credits (see instructions): a. Actual amount of all unposted credits....................................................... 3510 4,795 2.a. OR b. Separate amount of unposted credits: (1) Actual amount of unposted credits to demand deposits.................................... 3512 N/A 2.b.(1) (2) Actual amount of unposted credits to time and savings deposits(1)....................... 3514 N/A 2.b.(2) 3. Uninvested trust funds (cash) held in bank's own trust department (not included in total deposits in domestic offices).................................................................. 3520 0 3. 4. Deposits of consolidated subsidiaries in domestic offices and in insured branches in Puerto Rico and U.S. territories and possessions (not included in total deposits): a. Demand deposits of consolidated subsidiaries................................................ 2211 11,323 4.a. b. Time and savings deposits(1) of consolidated subsidiaries................................... 2351 0 4.b. c. Interest accrued and unpaid on deposits of consolidated subsidiaries........................ 5514 0 4.c. 5. Deposits in insured branches in Puerto Rico and U.S. territories and possessions: a. Demand deposits in insured branches (included in Schedule RC-E, Part II).................... 2229 0 5.a. b. Time and savings deposits(1) in insured branches (included in Schedule RC-E, Part II)....... 2383 0 5.b. c. Interest accrued and unpaid on deposits in insured branches (included in Schedule RC-G, item 1.b).................................................................... 5515 0 5.c. 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, Part I, item 4 or 5, column B)................................................................................... 2314 0 6.a. b. Amount reflected in time and savings deposits(1) (included in Schedule RC-E, Part I, item 4 or 5, column A or C, but not column B)............................................... 2315 0 6.b. 7. Unamortized premiums and discounts on time and savings deposits: (1),(2) a. Unamortized premiums........................................................................ 5516 0 7.a. b. Unamortized discounts....................................................................... 5517 0 7.b. 8. TO BE COMPLETED BY BANKS WITH "OAKAR DEPOSITS." a. DEPOSITS PURCHASED OR ACQUIRED FROM OTHER FDIC-INSURED INSTITUTIONS DURING THE QUARTER (EXCLUDE DEPOSITS PURCHASED OR ACQUIRED FROM FOREIGN OFFICES OTHER THAN INSURED BRANCHES IN PUERTO RICO AND U.S. TERRITORIES AND POSSESSIONS): (1) TOTAL DEPOSITS PURCHASED OR ACQUIRED FROM OTHER FDIC-INSURED INSTITUTIONS DURING THE QUARTER............................................................................. A531 0 8.a.(1) (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)............................................ A532 0 8.a.(2) b. TOTAL DEPOSITS SOLD OR TRANSFERRED TO OTHER FIDC-INSURED INSTITUTIONS DURING THE QUARTER (EXCLUDE SALES OR TRANSFERS BY THE REPORTING BANK OF DEPOSITS IN FOREIGN OFFICES OTHER THAN INSURED BRANCHES IN PUERTO RICO AND U.S. TERRITORIES AND POSSESSIONS)....................... A533 0 8.b. ------------------ SCHEDULE RC-O--CONTINUED 32
------------------ Dollar Amounts in Thousands RCON Bil Mil Thou - ----------------------------------------------------------------------------------------------------------------------- 9. Deposits in lifeline accounts.................................................................. 5596 9. 10. Benefit-responsive "Depository Institution Investment Contracts" (included in total deposits in domestic offices).................................................................. 8432 0 10. 11. ADJUSTMENTS TO DEMAND DEPOSITS IN DOMESTIC OFFICES AND IN INSURED BRANCHES IN PUERTO RICO AND U.S. TERRITORIES AND POSSESSIONS 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................. 8785 0 11.a. 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.......................... A181 0 11.b. 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........................ A182 0 11.c. 12. AMOUNT OF ASSETS NETTED AGAINST DEPOSIT LIABILITIES IN DOMESTIC OFFICES AND IN INSURED BRANCHES IN PUERTO RICO AND U.S. TERRITORIES AND POSSESSIONS 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............................................. A527 0 12.a. b. AMOUNT OF ASSETS NETTED AGAINST TIME AND SAVINGS DEPOSITS................................... A528 0 12.b. ------------------ Memoranda (TO BE COMPLETED EACH QUARTER EXCEPT AS NOTED) ------------------ Dollar Amounts in Thousands RCON Bil Mil Thou - ----------------------------------------------------------------------------------------------------------------------- 1. Total deposits in domestic offices 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.......................................... 2702 4,360,123 M.1.a.(1) (2) Number of deposit accounts of $100,000 or less (TO BE Number ---------------- COMPLETED FOR THE JUNE REPORT ONLY)......................................RCON 3779 N/A M.1.a.(2) b. Deposit accounts of more than $100,000: ---------------- (1) Amount of deposit accounts of more than $100,000........................................ 2710 2,994,451 M.1.b.(1) Number ---------------- (2) Number of deposit accounts of more than $100,000.........................RCON 2722 8,454 M.1.b.(2) ----------------------------------- 2. Estimated amount of uninsured deposits in domestic offices 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 YES NO ------------------ estimate described above.................................................................... 6861 X M.2.a. ------------------ b. If the box marked YES has been checked, report the estimate of uninsured deposits RCON Bil Mil Thou ------------------ determined by using your bank's method or procedure......................................... 5597 N/A M.2.b. ------------------ 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: FDIC CERT NO. ------------- ------------------------ TEXT A545 N/A RCON A545 N/A M.3. - ----------------------------------------------------------------------------------------------------------------------- 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. 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. - --------------------------------------------------------------- NOTE: ALL BANKS ARE REQUIRED TO COMPLETE ITEMS 2 AND 3 BELOW. SEE OPTIONAL WORKSHEET FOR ITEMS 3.a THROUGH 3.f. - ---------------------------------------------------------------
1. TEST FOR DETERMINING THE EXTENT TO WHICH SCHEDULE RC-R ------ MUST BE COMPLETED. TO BE COMPLETED ONLY BY BANKS WITH C480 TOTAL ASSETS OF LESS THAN $1 BILLION. Indicate in the ----------- appropriate box at the right whether the bank has total YES NO capital greater than or equal to eight percent of ---------------------- adjusted total assets.................................. RCFD 6056 1. ----------------------
------------------ Dollar Amounts in Thousands RCFD Bil Mil Thou - --------------------------------------------------------------------------------------------------- 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 DEBT (1) AND INTERMEDIATE TERM PREFERRED STOCK............... A515 42,000 2.a. b. OTHER LIMITED-LIFE CAPITAL INSTRUMENTS.................................... A516 0 2.b. 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............................................................ 8274 422,881 3.a. b. Tier 2 capital............................................................ 8275 104,000 3.b. c. Total risk-based capital.................................................. 3792 526,881 3.c. d. Excess allowance for loan and lease losses (amount that exceeds 1.25% of gross risk-weighted assets)............................................... A222 17,389 3.d. e. Net risk-weighted assets (gross risk-weighted assets less excess allowance reported in item 3.d above and all other deductions)............ A223 4,959,991 3.e. f. "Average total assets" (quarterly average reported in Schedule RC-K, item 9, less all assets deducted from Tier 1 capital)(2).................. A224 8,074,274 3.f. ----------------- - ------------- (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. 33
-------------------------------------- (Column A) (Column B) ITEMS 4-9 AND MEMORANDA ITEMS 1 AND 2 ARE TO BE COMPLETED Assets Credit Equiv- BY BANKS THAT ANSWERED NO TO ITEM 1 ABOVE AND Recorded alent Amount BY BANKS WITH TOTAL ASSETS OF $1 BILLION OR MORE. on the of Off-Balance Balance Sheet Sheet Items(3) ------------------ ------------------ RCFD Bil Mil Thou RCFD Bil Mil Thou ------------------ ------------------ 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................. 5163 495,469 4.a. b. Credit equivalent amount of off-balance sheet items.. 3796 0 4.b. ------------------ ------------------ SCHEDULE RC-R -- CONTINUED - -------------- (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 of these 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 that may be included in Tier 2 capital. (3) Exclude foreign exchange contracts with an original maturity of 14 days or less and all futures contracts. 34
(Column A) (Column B) Assets Credit Equiv- Recorded alent Amount on the of Off-Balance Balance Sheet Sheet Items(1) ----------------- ----------------- Dollar Amounts in Thousands RCFD Bil Mil Thou RCFD Bil Mil Thou - ------------------------------------------------------------ ----------------- ----------------- 5. Assets and credit equivalent amounts of off-balance sheet items assigned to the 20 percent risk category: a. Assets recorded on the balance sheet.................. 5165 4,559,121 5.a. b. Credit equivalent amount of off-balance sheet items... 3801 1,236,639 5.b. 6. Assets and credit equivalent amounts of off-balance sheet items assigned to the 50 percent risk category: a. Assets recorded on the balance sheet.................. 3802 459,348 6.a. b. Credit equivalent amount of off-balance sheet items... 3803 12,141 6.b. 7. Assets and credit equivalent amounts of off-balance sheet items assigned to the 100 percent risk category: a. Assets recorded on the balance sheet.................. 3804 3,020,007 7.a. b. Credit equivalent amount of off-balance sheet items... 3805 545,169 7.b. 8. On-balance sheet asset values excluded from and deducted in the calculation of the risk-based capital ratio (2)... 3806 40,901 8. 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 plus items 4.b. and 4.c)...... 3807 8,574,846 9. ----------------- ----------------- Memoranda Dollar Amounts in Thousands RCFD Bil Mil Thou - ------------------------------------------------------------------------------- ----------------- 1. Current credit exposure across all off-balance sheet derivative contracts covered by the risk-based capital standards................................. 8764 0 M.1. ----------------- With a remaining maturity of ------------------------ ----------------------- ----------------------- (Column A) (Column B) (Column C) One year or less Over one year Over five years through five years 2. Notional principal amounts of ------------------------ ----------------------- ----------------------- off-balance sheet derivative contracts(3): RCFD Tril Bil Mil Thou RCFD Tril Bil Mil Thou RCFD Tril Bil Mil Thou ------------------------ ----------------------- ----------------------- a. Interest rate contracts................... 3809 0 8766 0 8767 0 M.2.a. b. Foreign exchange contracts................ 3812 0 8769 0 8770 0 M.2.b. c. Gold contracts............................ 8771 0 8772 0 8773 0 M.2.c. d. Other precious metals contracts........... 8774 0 8775 0 8776 0 M.2.d. e. Other commodity contracts................. 8777 0 8778 0 8779 0 M.2.e. f. Equity derivative contracts............... A000 0 A001 0 A002 0 M.2.f. ------------------------ ----------------------- ----------------------- OPTIONAL NARRATIVE STATEMENT CONCERNING THE AMOUNTS REPORTED IN THE REPORTS OF CONDITION AND INCOME at close of business on December 31, 1997 NORWEST BANK COLORADO, N.A. DENVER , COLORADO - ----------------------------------------- ------------------------------------ Legal Title of Bank City State 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 CUSTOMERS. Banks choosing not to make a statement may check the "No comment" box below and should make no entries of any kind in the space provided for the narrative statement; i.e., DO NOT enter in this space such phrases as "No statement," "Not applicable," "N/A," "No comment," and "None". The optional statement must be entered on this sheet. The statement should not exceed 100 words. Further, regardless of the number of words, the statement must not exceed 750 characters, including punctuation, indentation, and standard spacing between words and sentences. If any submission should exceed 750 characters, as defined, it will be truncated at 750 characters with no notice to the submitting bank and the truncated statement will appear as the bank's statement both on agency computerized records and in computer-file releases to the public. All information furnished by the bank in the narrative statement must be accurate and not misleading. Appropriate efforts shall be taken by the submitting bank to ensure the statement's accuracy. 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. 35 36
THIS PAGE IS TO BE COMPLETED BY ALL BANKS - ---------------------------------------------------------------------------------------------------------------- NAME AND ADDRESS OF BANK OMB No. For OCC: 1557-0081 OMB No. For FDIC: 3064-0052 Call No. 202 12-31-97 OMB No. For Federal Reserve: 7100-0036 Expiration Date: 3/31/2000 Norwest Bank Colorado, National Association SPECIAL REPORT 1740 Broadway, M.S. 8729 (Dollar Amounts in Thousands) Denver, CO 80274 ---------------------------------------------------------- CLOSE OF BUSINESS FDIC CERTIFICATE NUMBER DATE C-700 12/31/97 0 3 0 1 1 - ---------------------------------------------------------------------------------------------------------------- LOANS TO EXECUTIVE OFFICERS (Complete as of each Call Report Date) - ---------------------------------------------------------------------------------------------------------------- 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 0) 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. - ---------------------------------------------------------------------------------------------------------------- a. Number of loans made to executive officers since the -------------------------- previous Call Report date. . . . . . . . . . . . . . . . . . . . . . . . . RCFD 3561 0 a. -------------------------- b. Total dollar amount of above loans (in thousands of dollars) . . . . . . . RCFD 3562 0 b. -------------------------- c. Range of interest charged on above loans ----------------------------------------------------- (example: 9 3/4% = 9.75) . . . . . . . . . . . RCFD 7701 0.00 % to RCFD 7702 0.00 % c. ----------------------------------------------------- - ---------------------------------------------------------------------------------------------------------------- - ---------------------------------------------------------------------------------------------------------------- SIGNATURE AND TITLE OF OFFICER AUTHORIZED TO SIGN REPORT DATE (Month, Day, Year) /s/ Dennis D. Erickson 1-16-98 - ---------------------------------------------------------------------------------------------------------------- NAME AND TITLE OF PERSON TO WHOM INQUIRIES MAY BE DIRECTED (TEXT 8903) AREA CODE/PHONE NUMBER/EXTENSION (TEXT 8904) Laura Ewald (303) 863-4591 - ---------------------------------------------------------------------------------------------------------------- FDIC 8040/53 (6-95)