<PAGE>
AS FILED WITH THE SECURITIES AND EXCHANGE COMMISSION ON AUGUST 27, 1996.
REGISTRATION NO. 333-07179
- -------------------------------------------------------------------------------
- -------------------------------------------------------------------------------
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
----------------
AMENDMENT NO. 1
TO
FORM S-1
REGISTRATION STATEMENT
UNDER
THE SECURITIES ACT OF 1933
----------------
GENERAL WIRELESS, INC.
(EXACT NAME OF REGISTRANT AS SPECIFIED IN ITS CHARTER)
----------------
DELAWARE 4812 75-2550006
(PRIMARY STANDARD (I.R.S. EMPLOYER
(STATE OR OTHER INDUSTRIAL IDENTIFICATION NUMBER)
JURISDICTION OF CLASSIFICATION CODE
INCORPORATION OR NUMBER)
ORGANIZATION)
----------------
6688 N. CENTRAL EXPRESSWAY
DALLAS, TEXAS 75206
(214) 373-0494
(ADDRESS, INCLUDING ZIP CODE, AND TELEPHONE NUMBER, INCLUDING AREA CODE, OF
THE REGISTRANT'S PRINCIPAL EXECUTIVE OFFICES)
----------------
ROGER D. LINQUIST
PRESIDENT AND CHIEF EXECUTIVE OFFICER
GENERAL WIRELESS, INC.
6688 N. CENTRAL EXPRESSWAY
DALLAS, TEXAS 75206
(214) 373-0494
(NAME AND ADDRESS, INCLUDING ZIP CODE, AND TELEPHONE NUMBER, INCLUDING AREA
CODE, OF AGENT FOR SERVICE)
COPIES TO:
EDWARD M. LEONARD, ESQ. JOHN D. WATSON, JR., ESQ.
BROBECK, PHLEGER & HARRISON LLP LATHAM & WATKINS
TWO EMBARCADERO PLACE 1001 PENNSYLVANIA AVE., N.W.
PALO ALTO, CALIFORNIA 94303 WASHINGTON, D.C. 20004-2505
(415) 424-0160 (202) 637-2200
APPROXIMATE DATE OF COMMENCEMENT OF PROPOSED SALE TO THE PUBLIC: As soon as
practicable after the effective date of this Registration Statement.
If any of the securities being registered on this Form are to be offered on
a delayed or continuous basis pursuant to Rule 415 under the Securities Act of
1933, as amended (the "Securities Act"), check the following box. [_]
If this Form is filed to register additional securities for an offering
pursuant to Rule 462(b) under the Securities Act, please check the following
box and list the Securities Act registration statement number of the earlier
effective registration statement for the same offering. [_]
If this Form is a post-effective amendment filed pursuant to Rule 462(c)
under the Securities Act, check the following box and list the Securities Act
registration statement number of the earlier effective registration statement
for the same offering. [_]
If delivery of the prospectus is expected to be made pursuant to Rule 434,
please check the following box. [_]
----------------
THE REGISTRANT HEREBY AMENDS THIS REGISTRATION STATEMENT ON SUCH DATE OR
DATES AS MAY BE NECESSARY TO DELAY ITS EFFECTIVE DATE UNTIL THE REGISTRANT
SHALL FILE A FURTHER AMENDMENT THAT SPECIFICALLY STATES THAT THIS REGISTRATION
STATEMENT SHALL THEREAFTER BECOME EFFECTIVE IN ACCORDANCE WITH SECTION 8(A) OF
THE SECURITIES ACT OF 1933, AS AMENDED, OR UNTIL THE REGISTRATION STATEMENT
SHALL BECOME EFFECTIVE ON SUCH DATE AS THE SECURITIES AND EXCHANGE COMMISSION,
ACTING PURSUANT TO SUCH SECTION 8(A), MAY DETERMINE.
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- -------------------------------------------------------------------------------
<PAGE>
PART I
INFORMATION REQUIRED IN PROSPECTUS
The information required in this Part I is contained in Part I of the
Registrant's Registration Statement on Form S-1 (Registration No. 333-07179),
as filed with the Securities and Exchange Commission on June 28, 1996, which
is incorporated herein by reference.
PART II
INFORMATION NOT REQUIRED IN PROSPECTUS
ITEM 13. OTHER EXPENSES OF ISSUANCE AND DISTRIBUTION
The following table sets forth the costs and expenses, other than
underwriting discounts and commissions, payable by the Company in connection
with the sale of Senior Discount Notes being registered. All amounts are
estimates except the SEC registration fee and the NASD filing fees.
<TABLE>
<S> <C>
SEC Registration fee............................................. $75,863
NASD fee......................................................... 22,500
Printing and engraving........................................... *
Legal fees and expenses of the Company........................... *
Accounting fees and expenses..................................... *
Blue sky fees and expenses....................................... *
Transfer agent fees.............................................. *
Miscellaneous.................................................... *
-------
Total.......................................................... $ *
=======
</TABLE>
- --------
* To be filed by amendment.
ITEM 14. INDEMNIFICATION OF DIRECTORS AND OFFICERS
Section 145 of the Delaware General Corporation Law, as amended ("Delaware
Law"), provides that a corporation may indemnify any person who was or is a
party or is threatened to be made a party to any threatened, pending or
completed action, suit or proceeding, whether civil, criminal or investigative
(other than an action by or in the right of the corporation) by reason of the
fact that he is or was a director, officer, employee or agent of the
corporation, or is or was serving at the request of the corporation as a
director, officer, employee or agent of another corporation, partnership,
joint venture, trust or other enterprise, against expenses (including
attorneys' fees), judgments, fines and amounts paid in settlement actually and
reasonably incurred by him in connection with such action, suit or proceeding,
if he acted in good faith and in a manner he reasonably believed to be in or
not opposed to the best interests of the corporation, and, with respect to any
criminal action or proceeding, had no reasonable cause to believe his conduct
was unlawful. Section 145 further provides that a corporation similarly may
indemnify any such person serving in any such capacity who was or is a party
or is threatened to be made a party to any threatened, pending or completed
action or suit by or in the right of the corporation to procure a judgment in
its favor, against expenses actually and reasonably incurred in connection
with the defense or settlement of such action or suit if he acted in good
faith and in a manner he reasonably believed to be in or not opposed to the
best interests of the corporation and except that no indemnification shall be
made in respect of any claim, issue or matter as to which such person shall
have been adjudged to be liable to the corporation unless and only to the
extent that the Delaware Court of Chancery or such other court in which such
action or suit was brought shall determine upon application that, despite the
adjudication of liability but in view of all the circumstances of the case,
such person is fairly and reasonably entitled to indemnity for such expenses
which the Court of Chancery or such other court shall deem proper.
II-1
<PAGE>
Section 102(b)(7) of Delaware Law permits a corporation to include in its
certificate of incorporation a provision eliminating or limiting the personal
liability of a director to the corporation or its stockholders for monetary
damages for breach of fiduciary duty as a director, provided that such
provision shall not eliminate or limit the liability of a director (i) for any
breach of the director's duty of loyalty to the corporation or its
stockholders, (ii) for acts or omissions not in good faith or which involve
intentional misconduct or a knowing violation of law, (iii) under Section 174
of Delaware Law (relating to unlawful payment of dividends and unlawful stock
purchase and redemption) or (iv) for any transaction from which the director
derived an improper personal benefit.
The Registrant's Restated Certificate of Incorporation provides that the
Registrant's directors shall not be liable to the Registrant or its
stockholders for monetary damages for breach of fiduciary duty as a director,
except to the extent that exculpation from liabilities is not permitted under
Delaware Law as in effect at the time such liability is determined. The
Registrant has entered into indemnification agreements with all of its
officers and directors, as permitted by Delaware Law. Reference is also made
to Section 6 of the Underwriting Agreement contained in Exhibit 1.1 hereto,
indemnifying officers and directors of the Registrant against certain
liabilities.
ITEM 15. RECENT SALES OF UNREGISTERED SECURITIES
(a) Since inception, the Registrant has issued and sold the following
securities (as adjusted to reflect the stock conversions and exchanges
effected to date, as well as the proposed 20-for-1 split to be effected prior
to the effectiveness of this Registration Statement):
1. On July 18, 1994, September 30, 1994 and June 2, 1995, the Registrant
issued and sold an aggregate of 2,077,420 shares of Class B Common Stock
at a price of $1.37 per share to its founding members consisting of
Messrs. Roger Linquist, Malcolm Lorang, entities affiliated with Accel
Partners and Battery Ventures III, L.P. (387,980 of which were
repurchased by the Company in December 1995). In addition, on December
1, 1995, entities affiliated with Accel Partners received warrants to
purchase 1,149,980 shares of Class C Common Stock at an exercise price
of $5.00 per share in connection with the exchange of securities
effected in November 1995.
2. On December 1, 1995, December 28, 1995 and May 20, 1996, the Registrant
issued and sold to several private placement investors the following:
(a) 420,000 shares of Class B Common Stock and warrants to purchase
210,000 shares of Class B Common Stock with an exercise price of
$2.50 per share for an aggregate price of $1,050,000 ($5.00 for
each unit consisting of two shares of Class B Common Stock and a
warrant to purchase one share of Class B Common Stock);
(b) 10,047,040 shares of Class C Common Stock and warrants to purchase
5,023,520 shares of Class C Common Stock with an exercise price of
$5.00 per share for an aggregate purchase price of $50,235,200
($10.00 for each unit consisting of two shares of Class C Common
Stock and warrant to purchase one share of Class C Common Stock);
(c) 2,000,000 shares of Class C Common Stock and warrants to purchase
100,000 shares of Class C Common Stock with an exercise price of
$5.00 per share for an aggregate price of $10,000,000 ($10.00 for
each unit consisting of two shares of Class C Common Stock and a
warrant to purchase 0.1 shares of Class C Common Stock);
(d) Warrants to purchase 400,000 shares of Class C Common Stock at an
exercise price of $5.00 per share and warrants to purchase 800,000
shares of Class C Common Stock at an exercise price of $0.0005 per
share for an aggregate price of $3,999,600 ($9.999 for each unit
consisting of one warrant to purchase one share with an exercise
price of $5.00 per share and one warrant to purchase two shares
with an exercise price of $0.0005 per share);
In addition, on February 20, 1996, the Registrant issued 137,740 shares
of Class C Common Stock to its placement agent in connection with the
placements effected in December 1995, pursuant to the terms of the
Registrant's Engagement Letter with the agent. See Exhibit 10.2.
II-2
<PAGE>
3. On December 1, 1995, the Company issued warrants to purchase 100,000
shares of Class C Common Stock with an exercise price of $5.00 per share
to an advisor to the Company for advisory services rendered.
4. On March 15, 1996, the Registrant and Hyundai Electronics America
("Hyundai") entered into a Stock Purchase Agreement (Exhibit 10.8) under
which the Registrant is obligated to purchase and Hyundai is obligated
to purchase up to 10,000,000 units at a price of $5 per unit, each unit
consisting of one share of Class C Common Stock and one warrant to
purchase 0.05 shares of Class C Common Stock with an exercise price of
$5 per share. This transaction is conditioned upon and subject to (a)
governmental approval (including approval by the Republic of Korea), (b)
the Registrant obtaining certain number of PCS licenses and (c)
restrictions under the rules and regulations promulgated by the Federal
Communications Commission and under telecommunications laws, in
particular, regarding the amount of foreign investment in the
Registrant.
5. The Registrant granted stock options to purchase 2,759,480 shares of
Class B Common Stock with an exercise price of $2.50 per share to
employees, directors and consultants under its 1995 Stock Option Plan.
The issuances described in Item 15(a)(1) were deemed exempt from
registration under the Securities Act in reliance upon Rule 701 promulgated
under the Securities Act. The issuances of the securities described in item
15(a)(2) were deemed to be exempt from registration under the Act in reliance
on Section 4(2) of the Act as transactions by an issuer not involving any
public offering. In addition, the recipients of securities in each such
transaction represented their intentions to acquire the securities for
investment only and not with a view to or for sale in connection with any
distribution thereof and appropriate legends were affixed to the share
certificates issued in such transactions. All recipients had adequate access,
through their relationships with the Registrant, to information about the
Registrant.
ITEM 16. EXHIBITS AND FINANCIAL STATEMENT SCHEDULES
(A) EXHIBITS
<TABLE>
<CAPTION>
EXHIBIT NO. DESCRIPTION
----------- -----------
<C> <S>
1.1(3) Form of Underwriting Agreement (preliminary form).
3.1(1) Certificate of Incorporation of the Registrant, as amended to
date.
3.2(1) Bylaws of the Registrant, as amended.
4.1(1) Reference is made to Exhibits 3.1 and 3.2.
4.2(3) Form of Indenture.
4.3(1) Registration Rights Agreement dated December 1, 1995, among the
Registrant and the investors named therein, as amended.
4.4(1) Stockholders Agreement dated December 1, 1995, among the
Registrant and the stockholders named therein, as amended.
4.5(1) Form of Subscription Agreements entered into between the
Registrant and its existing Class B and Class C Common Stock
investors.
4.6(1) Form of Class B Common Stock Warrant.
4.7(1) Form of Class C Common Stock Warrant.
5.1(3) Opinion of Brobeck, Phleger & Harrison LLP.
10.1(2) Form of Indemnification Agreement entered into between the
Registrant and its directors and officers.
10.2(1) Engagement Letter dated December 9, 1994, Agency Agreement, dated
November 20, 1995, Placement Certificate, dated December 1, 1995,
by and between the Registrant and Bear, Stearns & Co. Inc.
</TABLE>
II-3
<PAGE>
<TABLE>
<CAPTION>
EXHIBIT NO. DESCRIPTION
----------- -----------
<C> <S>
10.3(2) Procurement Agreement, effective December 1, 1995, among the
Registrant, Mitsui Comtek Corp. and Mitsui & Co. (U.S.A.), Inc.
10.4(2) Loan Agreement, dated March 15, 1996, among the Registrant and
Hyundai Electronics America ("Hyundai"), including form of
promissory note.
10.5(2) Stock Purchase Agreement, dated March 15, 1996, among the
Registrant and Hyundai.
10.6(2)(4) Equipment Purchase Agreement, dated March 15, 1996, among the
Registrant and Hyundai Electronics Industries Co., Ltd. ("HEI").
10.7(1) Employee Training Agreement, dated March 15, 1996, among the
Registrant and HEI.
11.1(2) Computation of Earnings/(Loss) Per Share.
21.1(1) Subsidiaries of the Registrant.
23.1(1) Consent of Arthur Andersen LLP, Independent Public Accountants
(see page II-8).
23.2(3) Consent of Counsel. Reference is made to Exhibit 5.1.
24.1(1) Power of Attorney.
25.1 Statement of Eligibility of Trustee.
27.1(1) Financial Data Schedule.
</TABLE>
- --------
(1) Previously filed.
(2) Incorporated by reference from Amendment No. 1 to the Registration
Statement on Form S-1 filed August 26, 1996 (SEC File No. 333-07161).
(3) To be supplied by amendment.
(4) Certain portions of this Exhibit, for which confidential treatment has
been requested, have been omitted and filed separately with the Securities
and Exchange Commission.
(B) FINANCIAL STATEMENT SCHEDULES--All required information is set forth in
the consolidated financial statements included in the Prospectus constituting
part of this Registration Statement.
Schedules not listed above have been omitted because the information
required to be set forth therein is not applicable or is shown in the
financial statements or notes thereto.
ITEM 17. UNDERTAKINGS
The Registrant hereby undertakes to provide to the Underwriters at the
closing specified in the Underwriting Agreement, certificates in such
denominations and registered in such names as required by the Underwriters to
permit prompt delivery to each purchaser.
Insofar as indemnification for liabilities arising under the Securities Act
may be permitted to directors, officers and controlling persons of the
Registrant pursuant to the Delaware Corporations Law, the Certificate of
Incorporation or the Bylaws of the Registrant, Indemnification Agreements
entered into between the Registrant and its officers and directors, the
Underwriting Agreement, or otherwise, the Registrant has been advised that in
the opinion of the Securities and Exchange Commission such indemnification is
against public policy as expressed in the Securities Act, and is, therefore,
unenforceable. In the event that a claim for indemnification against such
liabilities (other than the payment by the Registrant of expenses incurred or
paid by a director, officer, or controlling person of the Registrant in the
successful defense of any action, suit or proceeding) is asserted by such
director, officer or controlling person in connection with the securities
being registered hereunder, the Registrant will, unless in the opinion of its
counsel the matter has been settled by controlling precedent, submit to a
court of appropriate jurisdiction the question of whether such indemnification
by it is against public policy as expressed in the Securities Act and will be
governed by the final adjudication of such issue.
II-4
<PAGE>
The Registrant hereby undertakes that:
(1) For purposes of determining any liability under the Securities Act,
the information omitted from the form of Prospectus filed as part of this
Registration Statement in reliance upon Rule 430A and contained in a form
of Prospectus filed by the Registrant pursuant to Rule 424(b)(1) or (4) or
497(h) under the Securities Act shall be deemed to be part of this
Registration Statement as of the time it was declared effective.
(2) For the purpose of determining any liability under the Securities
Act, each post-effective amendment that contains a form of Prospectus shall
be deemed to be a new Registration Statement relating to the securities
offered therein, and the offering of such securities at that time shall be
deemed to be the initial bona fide offering thereof.
II-5
<PAGE>
SIGNATURES
PURSUANT TO THE REQUIREMENTS OF THE SECURITIES ACT OF 1933, AS AMENDED, THE
REGISTRANT HAS DULY CAUSED THIS AMENDMENT TO REGISTRATION STATEMENT TO BE
SIGNED ON ITS BEHALF BY THE UNDERSIGNED, THEREUNTO DULY AUTHORIZED, IN THE
CITY OF DALLAS, STATE OF TEXAS, ON THIS 26TH DAY OF AUGUST, 1996.
General Wireless, Inc.
/s/ Roger D. Linquist
By: _________________________________
Roger D. Linquist
President and Chief Executive
Officer
PURSUANT TO THE REQUIREMENTS OF THE SECURITIES ACT OF 1933, AS AMENDED, THIS
REGISTRATION STATEMENT HAS BEEN SIGNED BY THE FOLLOWING PERSONS IN THE
CAPACITIES AND ON THE DATES INDICATED:
SIGNATURE TITLE DATE
President and Chief
/s/ Roger D. Linquist Executive Officer August 26, 1996
- ------------------------------------- (Principal
(ROGER D. LINQUIST) Executive Officer),
Chairman of the
Board of Directors
and Secretary
Vice President of
* Corporate August 26, 1996
- ------------------------------------- Development and
(ROBERT FUGATE) Chief Financial
Officer (Principal
Financial and
Accounting Officer)
Director
* August 26, 1996
- -------------------------------------
(ROBERT G. BARRETT)
Director
* August 26, 1996
- -------------------------------------
(RALPH M. BARUCH)
II-6
<PAGE>
SIGNATURE TITLE DATE
Director
* August 26, 1996
- -------------------------------------
(FREDERIC C. HAMILTON)
Director
* August 26, 1996
- -------------------------------------
(JOSEPH T. MCCULLEN)
Director
* August 26, 1996
- -------------------------------------
(ARTHUR PATTERSON)
Director
* August 26, 1996
- -------------------------------------
(JOHN SCULLEY)
Director
* August 26, 1996
- -------------------------------------
(TOSHIHIRO SOEJIMA)
/s/ Roger D. Linquist
*By:____________________________
(ROGER D. LINQUIST) ATTORNEY-IN-
FACT
II-7
<PAGE>
INDEX TO EXHIBITS
<TABLE>
<CAPTION>
EXHIBIT NO. DESCRIPTION PAGE NO.
----------- ----------- --------
<C> <S> <C>
1.1(3) Form of Underwriting Agreement (preliminary form).
3.1(1) Certificate of Incorporation of the Registrant, as
amended to date.
3.2(1) Bylaws of the Registrant, as amended.
4.1(1) Reference is made to Exhibits 3.1 and 3.2.
4.2(3) Form of Indenture.
4.3(1) Registration Rights Agreement dated December 1, 1995,
among the Registrant and the investors named therein,
as amended.
4.4(1) Stockholders Agreement dated December 1, 1995, among
the Registrant and the stockholders named therein, as
amended.
4.5(1) Form of Subscription Agreements entered into between
the Registrant and its existing Class B and Class C
Common Stock investors.
4.6(1) Form of Class B Common Stock Warrant.
4.7(1) Form of Class C Common Stock Warrant.
5.1(3) Opinion of Brobeck, Phleger & Harrison LLP.
10.1(2) Form of Indemnification Agreement entered into between
the Registrant and its directors and officers.
10.2(1) Engagement Letter dated December 9, 1994, Agency
Agreement, dated November 20, 1995, Placement
Certificate, dated December 1, 1995, by and between
the Registrant and Bear, Stearns & Co. Inc.
10.3(2) Procurement Agreement, effective December 1, 1995,
among the Registrant, Mitsui Comtek Corp. and Mitsui &
Co. (U.S.A.), Inc.
10.4(2) Loan Agreement, dated March 15, 1996, among the
Registrant and Hyundai Electronics America
("Hyundai"), including form of promissory note.
10.5(2) Stock Purchase Agreement, dated March 15, 1996, among
the Registrant and Hyundai.
10.6(2)(4) Equipment Purchase Agreement, dated March 15, 1996,
among the Registrant and Hyundai Electronics
Industries Co., Ltd. ("HEI").
10.7(1) Employee Training Agreement, dated March 15, 1996,
among the Registrant and HEI.
11.1(2) Computation of Earnings/(Loss) Per Share.
21.1(1) Subsidiaries of the Registrant.
23.1(1) Consent of Arthur Andersen LLP, Independent Public
Accountants
(see page II- ).
</TABLE>
<PAGE>
SECURITIES AND EXCHANGE COMMISSION
Washington, DC 20549
-----------------------
FORM T-1
Statement of Eligibility and Qualification under the
Trust Indenture Act of 1939 of a Corporation
Designated to Act as Trustee
-----------------------
FIRST TRUST OF CALIFORNIA, NATIONAL ASSOCIATION
(Exact name of trustee as specified in its charter)
United States 94-3160100
(State of Incorporation) (IRS Employer Identification No.)
550 South Hope Street, Suite 500
Los Angeles, California 90071
(Address of principal executive offices and zip code)
-----------------------
GENERAL WIRELESS, INC.
(Exact name of obligor as specified in its charter)
DELAWARE
(State or other jurisdiction of Incorporation or organization)
75-255006
(IRS Employer Identification No.)
6688 N. CENTRAL EXPRESSWAY
DALLAS, TX
75206
(Address of principal executive offices and Zip code)
Senior Discount Notes
(Title of the indenture securities)
<PAGE>
GENERAL
1. GENERAL INFORMATION Furnish the following information as to the trustee.
-------------------
(a) Name and address of each examining or supervising authority to which it
is subject.
Comptroller of the Currency
Washington DC
(b) Whether it is authorized to exercise corporate trust powers.
Yes
2. AFFILIATIONS WITH OBLIGOR AND UNDERWRITERS If the obligor or any underwriter
------------------------------------------
for the obligor is an affiliate of the trustee, describe each such
affiliation.
None
See Note following Item 16.
Items 3-15 are not applicable because to the best of the Trustee's knowledge
----------------------------------------------------------------------------
the obligor is not in default under any Indenture for which the Trustee acts
----------------------------------------------------------------------------
as Trustee.
-----------
16. LIST OF EXHIBITS List below all exhibits filed as a part of this statement
----------------
of eligibility and qualification.
Exhibit 1-Articles of Association of First Trust of California, National
Association dated June 5, 1992. Incorporated herein by reference
to Exhibit 1 filed with Form T-1 statement, Registration No.
33-50826
Exhibit 2-Certificate of the Comptroller of Currency as to authority of
First Trust of California, National Association to commence the
business of banking. Incorporated herein by reference to Exhibit 2
filed with Form T-1 Statement, Registration No. 33-50826
Exhibit 3-Authorization of Comptroller of Currency granting First Trust of
California, National Association, the right to exercise corporate
trust powers. Incorporated herein by reference to Exhibit 3 filed
with Form T-1 Statement, Registration No. 33-50826
Exhibit 4-By-Laws of First Trust of California, National Association, dated
June 15, 1992. Incorporated herein by reference to Exhibit 4 filed
with Form T-1 Statement, Registration No. 33-50826
Exhibit 5-Not Applicable
Exhibit 6-Consent of First Trust of California, National Association
required by Section 321(b) of the Act. Incorporated herein by
reference to Exhibit 6 filed with Form T-1 Statement, Registration
No. 33-50826
<PAGE>
Exhibit 7-Report of Condition of First Trust of California, National
Association, as of the close of business on June 30, 1996
published pursuant to law or the requirements of its
supervising or examining authority.
NOTE
The answers to this statement insofar as such answers relate to what persons
have been underwriters for any securities of the obligor within three years
prior to the date of filing this statement, or what persons are owners of 10% or
more of the voting securities of the obligor, or affiliates, are based upon
information furnished to the trustee by the obligor. While the trustee has no
reason to doubt the accuracy of any such information, it cannot accept any
responsibility therefor.
SIGNATURE
Pursuant to the requirements of the Trust Indenture Act of 1939, the Trustee,
First Trust of California, National Association, an Association organized and
existing under the laws of the United States, has duly caused this statement of
eligibility and qualification to be signed on its behalf by the undersigned,
thereunto duly authorized, and its seal to be hereunto affixed and attested, all
in the City of Los Angeles and State of California on the 26th day of April,
1996.
FIRST TRUST OF CALIFORNIA, NATIONAL ASSOCIATION
By: /s/ Grace Yang
-----------------------------
Grace Yang
Trust Officer
Attest: /s/ Tami Mawn
--------------
Tami Mawn
Vice President
<PAGE>
EXHIBIT 6
C O N S E N T
In accordance with Section 321(b) of the Trust Indenture Act of 1939, the
undersigned, FIRST TRUST OF CALIFORNIA, NATIONAL ASSOCIATION, hereby consents
that reports of examination of the undersigned by Federal, State, Territorial or
District authorities may be furnished by such authorities to the Securities and
Exchange Commission upon its request therefor.
Dated: August 6, 1996
FIRST TRUST OF CALIFORNIA,
NATIONAL ASSOCIATION
By /s/ Grace Yang
-------------------------------
Grace Yang
Trust Officer
<PAGE>
[LETTERHEAD APPEARS HERE]
- --------------------------------------------------------------------------------
Please refer to page i,
[LOGO APPEARS HERE] Table of Contents, for
the required disclosure
of estimated burden.
- --------------------------------------------------------------------------------
Consolidated Reports of Condition and Income for A Bank With Domestic Offices
Only and Total Assets of $100 Million or More But Less Than $300 Million --
FFIEC 033
(960630)
-------------
Report at the close of business June 30, 1996 (RCRI 9999)
This report is required by law: 12 U.S.C. (S)324 (State member banks);
12 U.S.C. (S)1817 (State nonmember banks); and 12 U.S.C. (S)161 (National
banks).
- --------------------------------------------------------------------------------
NOTE: The Reports of Condition and Income must be signed by an authorized
officer and the Report of Condition must be attested to by not less than two
directors (trustees) for State nonmember banks and three directors for State
member and National banks.
I, MERITA D. SCHOLLMEIER, ASSISTANT SECRETARY
--------------------------------------------
Name and Title of Officer Authorized to Sign Report
of the named bank do hereby declare that these Reports of Condition and Income
(including the supporting schedules) have been prepared in conformance with the
instructions issued by the appropriate Federal regulatory authority and are true
to the best of my knowledge and belief.
/s/ Marita D. Schollmeier
- ----------------------------------------------
Signature of Officer Authorized to Sign Report
7/12/96
- ----------------------------------------------
Date of Signature
- --------------------------------------------------------------------------------
For Banks Submitting Hard Copy Report Forms:
State Member Banks: Return the original and one copy to the appropriate Federal
Reserve District Bank.
State Nonmember Banks: Return the original only in the special return address
envelope provided. If express mail is used in lieu of the special return
address envelope, return the original only to the FDIC, c/o Quality Data
Systems, 2127 Espey Court, Suite 204. Crofton, MD 21114.
- --------------------------------------------------------------------------------
FDIC Certificate Number [3 3 6 2 6]
---------
(RCR:9050)
This report form is to be filed by banks with domestic offices only. Banks with
branches and consolidated subsidiaries in U.S. territories and possessions,
Edge or Agreement subsidiaries, foreign branches, consolidated foreign
subsidiaries, or International Banking Facilities must file FFIEC 031.
- --------------------------------------------------------------------------------
The Reports of Condition and Income are to be prepared in accordance with
Federal regulatory authority instructions. NOTE: These instructions may in
some cases differ from generally accepted accounting principles.
We, the undersigned directors (trustees), attest to the correctness of this
Report of Condition (including the supporting schedules) and declare that it has
been examined by us and to the best of our knowledge and belief has been
prepared in conformance with the instructions issued by the appropriate Federal
regulatroy authority and is true and correct.
[SIGNATURE APPEARS HERE]
- --------------------------------------------------------------------------------
Director (Trustee)
[SIGNATURE APPEARS HERE]
- --------------------------------------------------------------------------------
Director (Trustee)
[SIGNATURE APPEARS HERE]
- --------------------------------------------------------------------------------
Director (Trustee)
- --------------------------------------------------------------------------------
National Banks: Return the original only in the special return address envelope
provided. If express mail is used in lieu of the special return address
envelope, return the original only to the FDIC, c\o Quality Data Systems, 2127
Espey Court, Suite 204, Crofton, MD 21114.
- --------------------------------------------------------------------------------
Board of Governors of the Federal Reserve System, Federal Deposit Insurance
Corporation, Office of the Comptroller of the Currency
<PAGE>
FFIEC 033
Page 1
[2]
Consolidated Reports of Condition and Income for
A Bank With Domestic Offices Only and Total
Assets of $100 Million or More But Less Than $300 Million
- --------------------------------------------------------------------------------
Table of Contents
Signature Page Cover
Report of Income
Schedule RI--Income Statement.............RI-1, 2, 3
Schedule RI-A--Changes in Equity Capital........RI-3
Schedule RI-B--Charge-offs and Recoveries and
Changes in Allowance for Loan and Lease
Losses......................................RI-4,5
Schedule RI-C--Applicable Income Taxes by
Taxing Authority..............................RI-5
Schedule RI-E--Explanations...................RI-5,6
Disclosure of Estimated Burden
The estimated average burden associated with this information collection is 32.2
hours per respondent and is estimated to vary from 15 to 230 hours per response,
depending on individual circumstances. Burden estimates include the time for
reviewing instructions, gathering and maintaining data in the required form, and
completing the information collection, but exclude the time for compiling and
maintaining business records in the normal course of a respondent's activities.
Comments concerning the accuracy of this burden estimate and suggestions for
reducing this burden should be directed to the Office of Information and
Regulatory Affairs, Office of Management and Budget, Washington, D.C. 20503, and
to one of the following:
Secretary
Board of Governors of the Federal Reserve System
Washington, D.C. 20551
Legislative and Regulatory Analysis Division
Office of the Comptroller of the Currency
Washington, D.C. 20219
Assistant Executive Secretary
Federal Deposit Insurance Corporation
Washington, D.C. 20429
Report of Condition
Schedule RC--Balance Sheet....................RC-1,2
Schedule RC-A--Cash and Balances Due
From Depository Institutions..................RC-3
Schedule RC-B--Securities.....................RC-4,5
Schedule RC-C--Loans and Lease Financing
Receivables:
Part I. Loans and Leases....................RC-6,7
Part II. Loans to Small Businesses and
Small Farms (included in the forms for
June 30 only)...........................RC-7a,7b
Schedule RC-E--Deposit Liabilities............RC-8,9
Schedule RC-F--Other Assets....................RC-10
Schedule RC-G--Other Liabilities...............RC-10
Schedule RC-K--Quarterly Averages..............RC-11
Schedule RC-L--Off-Balance Sheet
Items.....................................RC-12,13
Schedule RC-M--Memoranda....................RC-14,15
Schedule RC-N--Past Due and Nonaccrual
Loans, Leases, and Other Assets..............RC-16
Schedule RC-O--Other Data for Deposit
Insurance Assessments....................RC-17, 18
Schedule RC-R--Regulatory Capital..........RC-19, 20
Optional Narrative Statement Concerning
the Amounts Reported in the Reports
of Condition and Income......................RC-21
Special Report (to be completed by all banks)
Schedule RC-J--Repricing Opportunities (sent only to
and to be completed only by savings banks)
For information or assistance, national and state nonmember banks should contact
the FDIC's Call Reports Analysis Unit, 550 17th Street, NW, Washington, D.C.
20429, toll free on (800) 688-FDIC(3342), Monday through Friday between 8:00
a.m. and 5:00 p.m., Eastern time. State member banks should contact their
Federal Reserve District Bank.
<PAGE>
Consolidated Report of Income
for the period January 1, 1996 - June 30, 1996
All Report of Income schedules are to be reported on a calendar year-to-date
basis in thousands of dollars.
<TABLE>
<CAPTION>
Schedule RI - Income Statement
I280 -
Dollar Amounts in Thousands
- ---------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C>
1. Interest income:
a. Interest and fee income on loans(1): RIAD
----
(1) Real estate loans ____________________________________________________ 4246. . 0 1.a.1
(2) Installment loans ____________________________________________________ 4247. . 0 1.a.2
(3) Credit cards and related plans _______________________________________ 4248. . 0 1.a.3
(4) Commercial (time and demand) and all other loans _____________________ 4249. . 0 1.a.4
b. Income from lease financing receivables:
(1) Taxable leases _______________________________________________________ 4505. . 0 1.b.1
(2) Tax-exempt leases ____________________________________________________ 4307. . 0 1.b.2
c. Interest income on balances due from depository institutions (2) __________ 4115. . 0 1.c
d. Interest and dividend income on securities:
(1) U.S. Treasury securities and U.S. Government agency
and corporation obligations __________________________________________ 4027. . 7 1.d.1
(2) Securities issued by states and political subdivisions in the U.S.:
(a) Taxable securities _______________________________________________ 4506. . 0 1.d.2a
(b) Tax-exempt securities ____________________________________________ 4507. . 0 1.d.2b
(3) Other domestic debt securities _______________________________________ 3657. . 0 1.d.3
(4) Foreign debt securities ______________________________________________ 3658. . 0 1.d.4
(5) Equity securities (including investments in mutual funds)_____________ 3659. . 105 1.d.5
e. Interest income from trading assets ______________________________________ 4069. . 0 1.e
f. Interest income on federal funds sold and securities purchased
under agreements to resell _______________________________________________ 4020. . 0 1.f
g. Total interest income (sum of items 1.a through 1.f)______________________ 4107. . 112 1.g
</TABLE>
___________________
(1) See instruction for loan classifications used in this schedule.
(2) Includes interest income on time certificates of deposit not held for
trading.
<PAGE>
Schedule RI - Continued
<TABLE>
<CAPTION>
Dollar Amounts in Thousands
- -----------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C>
2. Interest expense:
a. Interest on deposits:
RIAD Year-to-date
(1) Transaction accounts (NOW accounts, ATS accounts, and ----
telephone and preauthorized transfer accounts) _______________________ 4508. . 0 . . . 2.a.1
(2) Nontransaction accounts:
(a) Money market deposit accounts (MMDAs) ____________________________ 4509. . 0 . . . 2.a.2a
(b) Other savings deposits ___________________________________________ 4511. . 0 . . . 2.a.2b
(c) Time certificates of deposit of $ 100,000 or more ________________ 4174. . 0 . . . 2.a.2c
(d) All other time deposits __________________________________________ 4512. . 0 . . . 2.a.2d
b. Expense of federal funds purchased and securities sold under
agreements to repurchase _________________________________________________ 4180. . 0 . . . 2.b
c. Interest on demand notes issued to the U.S. Treasury, trading
liabilities, and on other borrowed money _________________________________ 4185. . 0 . . . 2.c
d. Interest on mortgage indebtedness and obligations under
capitalized leases _______________________________________________________ 4072. . 0 . . . 2.d
e. Interest on subordinated notes and debentures ____________________________ 4200. . 0 . . . 2.e
f. Total interest expense (sum of items 2.a through 2.e) ____________________ 4073. . 0 . . . 2.f
3. Net interest income (item 1.g minus 2.f) ____________________________________ 4074. . 112 . . . 3.
4. Provisions:
a. Provision for loan and lease losses ______________________________________ 4230. . 0 . . . 4.a
b. Provision for allocated transfer risk ____________________________________ 4243. . 0 . . . 4.b
5. Noninterest income:
a. Income from fiduciary activites __________________________________________ 4070. . 10,687 . . . 5.a
b. Service charges on deposit accounts ______________________________________ 4080. . 0 . . . 5.b
c. Trading revenue (must equal Schedule RI, sum of
Memorandum items 8.a through 8.d) ________________________________________ A220. . 0 . . . 5.c
d. Other foreign transaction gains (losses) _________________________________ 4076. . 0 . . . 5.d
e. Not applicable.
f. Other noninterest income:
(1) Other fee income _____________________________________________________ 5407. . 4,165 . . . 5.f.1
(2) All other noninterest income* ________________________________________ 5408. . 2,726 . . . 5.f.2
g. Total noninterest income (sum of items 5.a through 5.f. (2)) _____________ 4079. . 17,578 . . . 5.g
6. a. Realized gains (losses) on held-to-maturity securities ___________________ 3521. . 0 . . . 6.a
b. Realized gains (losses) on available-for-sale securities _________________ 3196. . 0 . . . 6.b
7. Noninterest expense:
a. Salaries and employee benefits ___________________________________________ 4135. . 5,982 . . . 7.a
b. Expenses of premises and fixed assets (net of rental income)
(excluding salaries and employee benefits and mortgage interest) ________ 4217. . 786 . . . 7.b
c. Other noninterest expense* _______________________________________________ 4092. . 17,406 . . . 7.c
d. Total noninterest expense (sum of items 7.a through 7.c) _________________ 4093. . 24,174 . . . 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) ___ 4301. . (6,484) . . . 8.
9. Applicable income taxes (on item 8) _________________________________________ 4302. . (2,202) . . . 9.
10. Income (loss) before extraordinary items and other adjustments
(item 8 minus 9) ____________________________________________________________ 4300. . (4,282) . . . 10.
11. Extraordinary items and other adjustments:
a. Extraordinary items and other adjustments, gross of income taxes * _______ 4310. . 0 . . . 11.a
b. Applicable income taxes (on item 11.a) * _________________________________ 4315. . 0 . . . 11.b
c. Extraordinary items and other adjustments, net of
income taxes (item 11.a minus 11.b) ______________________________________ 4320. . 0 . . . 11.c
12. Net income (loss) (sum of items 10 and 11.c) ________________________________ 4340. . (4,282) . . . 12
</TABLE>
________________________
* Describe on Schedule RI-E - Explanations.
<PAGE>
Schedule RI - Continued
<TABLE>
<CAPTION>
I281 -
Dollar Amounts in Thousands
- ---------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C>
Memoranda RIAD Year-to-date
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. . 0 M.1
2. Income from the sale and servicing of mutual funds and annuities
(included in Schedule RI, item 8) _____________________________________________________ 8431. . 0 M.2
3. Not applicable
4. Number of full-time equivalent employees on payroll at end of current Number
------
period (round to nearest whole number) ________________________________________________ 4150. . 211 M.4
5. Interest and fee income on tax-exempt obligations (other than securities
and leases) of states and political subdivisions in the U.S. (reportable in
Schedule RC-C, part I, item 8) included in Schedule RI, item 1.a above ________________ 4504. . 0 M.5
6. To be completed by banks with loans to finance agricultural production and
other loans to farmers (Schedule RC-C, part I, item 3) exceeding five
percent of total loans. Interest and fee income on agricultural loans
included in item 1.a above ____________________________________________________________ 4251. . 0 M.6
7. If the reporting bank has restated its balance sheet as a result of
applying push down accounting this calendar year, report the date of MM DD YY
the bank's acquisition ________________________________________________________________ 9106. . N/A M.7
8. Trading revenue (from cash instruments and off-balance sheet derivative RIAD Year-to-date
instruments) (sum of Memorandum items 8.a through 8.d must equal Schedule ----
RI, item 5.c):
a. Interest rate exposures ____________________________________________________________ 8757. . 0 M.8.a
b. Foreign exchange exposures _________________________________________________________ 8758. . 0 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
Schedule RI-A - Changes in Equity Capital
Indicate decreases and losses in parentheses.
<CAPTION>
I283 -
Dollar Amounts in Thousands
- ----------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C>
RIAD
1. Total equity capital originally reported in the December 31, 1995, ----
Reports of Condition and Income _______________________________________________________ 3215. . 122,609 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. . 122,609 3.
4. Net income (loss) (must equal Schedule RI, item 12) ___________________________________ 4340. . (4,282) 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. . 0 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. . (1) 11.
12. Other transactions with parent holding company * (not included in
items 5, 7, or 8 above) _______________________________________________________________ 4415. . 5,060 12.
13. Total equity capital end of current period (sum of items 3 through 12)
(must equal Schedule RC, item 28) _____________________________________________________ 3210. . 123,386 13.
</TABLE>
_________________________
* Describe on Schedule RI-E - Explanations.
<PAGE>
Schedule RI-B - Charge-offs and Recoveries and Changes in Allowance
for Loan and Lease Losses
<TABLE>
<CAPTION>
Part I. Charge-offs and Recoveries on Loans and Leases (1)
I286
Dollar Amounts in Thousands
- ------------------------------------------------------------------------------------------------------------------------------------
....................Calendar year-to-date...................
Part I excludes charge-offs and recoveries through the (Column A) (Column B)
allocated transfer risk reserve. Charge-offs Recoveries
----------------------------- ----------------------------
RIAD RIAD
---- ----
<S> <C> <C> <C> <C> <C>
1. Real estate loans______________________________________ 4256. . 0 4257. . 0 1.
2. Installment loans______________________________________ 4258. . 0 4259. . 0 2.
3. Credit cards and related plans_________________________ 4262. . 0 4263. . 0 3.
4. Commercial (time and demand) and all other loans_______ 4264. . 0 4265. . 0 4.
5. Lease financing receivables____________________________ 4266. . 0 4267. . 0 5.
6. Total (sum of items 1 through 5)_______________________ 4635. . 0 4605. . 0 6.
Memoranda
<CAPTION>
Dollar Amounts in Thousands
- ------------------------------------------------------------------------------------------------------------------------------------
1. Loans to foreign governments and official institutions RIAD RIAD
---- ----
<S> <C> <C> <C> <C> <C>
included in part I, items 1 through 4 above____________ 4643. . 0 4627. . 0 M.1
2. To be completed by banks with loans to finance
agricultural production and other loans to farmers
(Schedule RC-C, part I, item 3) exceeding five percent
of total loans.
Agricultural loans included in part I, items 1 RIAD RIAD
---- ----
through 4, above_______________________________________ 4268. . 0 4269. . 0 M.2
3. Not applicable.
4. Loans to finance commercial real estate, construction,
and land development activities (not secured by real
estate) included in Schedule RI-B, part I, RIAD RIAD
---- ----
items 2 through 4, above_______________________________ 5443. . 0 5444. . 0 M.4
5. Real estate loans (sum of Memorandum items 5.a
through 5.e must equal Schedule RI-B, part I
item 1, above):
a. Construction and land development___________________ 5445. . 0 5446. . 0 M.5.a
b. Secured by farmland_________________________________ 5447. . 0 5448. . 0 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___________________________ 5449. . 0 5450. . 0 M.5.c1
(2) All other loans secured by 1-4 family
residential properties__________________________ 5451. . 0 5452. . 0 M.5.c2
d. Secured by multifamily (5 or more) residential
properties__________________________________________ 5453. . 0 5454. . 0 M.5.d
e. Secured by nonfarm nonresidential properties________ 5455. . 0 5456. . 0 M.5.e
_____________
</TABLE>
(1) See instructions for loan classifications used in this schedule.
<PAGE>
Schedule RI-B - Continued
Part II. Changes in Allowance for Loan and Lease Losses
<TABLE>
<CAPTION>
Dollar Amounts in Thousands
- ------------------------------------------------------------------------------------------------------------------------------------
----
<S> <C> <C> <C>
1. Balance originally reported in the December 31, 1995, Reports of Condition and Income. 3124. . 0 1.
2. Recoveries (must equal part I, item 6, column B above)_________________________________ 4605. . 0 2.
3. LESS: Charge-offs (must equal part I, item 6, column A above)__________________________ 4635. . 0 3.
4. Provision for loan and lease losses (must equal Schedule RI, item 4.a)_________________ 4230. . 0 4.
5. Adjustments * (see instructions for this schedule)_____________________________________ 4815. . 0 5.
6. Balance end of current period (sum of items 1 through 5) (must equal Schedule RC,
item 4.b)______________________________________________________________________________ 3123. . 0 6.
_____________
* Describe on Schedule RI-E - Explanations.
Schedule RI-C - Applicable Income Taxes by Taxing Authority
<CAPTION>
I289
Schedule RI-C - is to be reported with the December Report of Income Dollar Amounts in Thousands
- ------------------------------------------------------------------------------------------------------------------------------------
RIAD
----
<S> <C> <C> <C>
1. Federal 4780. . N/A 1.
2. State and local________________________________________________________________________ 4790. . N/A 2.
3. Foreign________________________________________________________________________________ 4795. . N/A 3.
4. Total (sum of items 1 through 3) (must equal sum of Schedule RI, items 9 and 11.b)_____ 4770. . N/A 4.
RIAD
----
5. Deferred portion of item 4_____________________________4772. . N/A . . . . . . . . . . 5.
</TABLE>
Schedule RI-E - Explanations
Schedule RI-E is to be completed each quarter on a calendar year-to-date basis.
Detail all adjustments in Schedules 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.)
<TABLE>
<CAPTION>
I295
Dollar Amounts in Thousands
- ------------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C>
1. All other noninterest income 9from Schedule RI, item 5.f.(2))
Report amounts that exceed 10% of Schedule RI, item 5.f.(2)) RIAD Year-to-date
----
a. Net gains on other real estate owned________________________________________________ 5415. . N/A 1.a
b. Net gains on sales of loans_________________________________________________________ 5416. . N/A 1.b
c. net gains on sales of premises and fixed assets_____________________________________ 5417. . N/A 1.c
Itemize and describe the three largest other amounts that exceed 10% of
Schedule RI, item 5.f.(2):
TEXT RIAD
---- ----
d. 4461: Service Fees__________________________________________________________________ 4461. . 2,721 1.d
_______________
e. 4462:_______________________________________________________________________________ 4462. . N/A 1.e
f. 4463:_______________________________________________________________________________ 4463. . N/A 1.f
2. Other noninterest expense (from Schedule RI, item 7.c):
a. Amortization expense of intangible assets___________________________________________ 4531. . 3,542 2.a
Report amounts that exceed 10% of Schedule RI, item 7.c:
b. Net losses on other real estate owned_______________________________________________ 5418. . N/A 2.b
c. Net losses on sales of loans________________________________________________________ 5419. . N/A 2.c
d. Net losses on sales of premises and fixed assets____________________________________ 5420. . N/A 2.d
Itemize and describe the three largest other amounts that exceed 10% of
Schedule RI, item 7.c:
TEXT RIAD
---- ----
e. 4464: Intcochg - Trust Oper Svcs - CTS_______________________________________________4464. . 2,060 2.e
________________________________
f. 4467: Operating Expense______________________________________________________________4467. . 3.612 2.f
__________________
g. 4468: Acquisition Conversion Expense_________________________________________________4468. . 7,923 2.g
______________________________
</TABLE>
<PAGE>
Schedule RI-E - Continued
<TABLE>
<CAPTION>
Dollar Amounts in Thousands
- ----------------------------------------------------------------------------------------------------------------------------------
3. Extraordinary items and other adjustments (from Schedule RI, item 11.a) and applicable
income tax effect (from Schedule RI, item 11.b) (itemize and describe all
extraordinary items and other adjustments):
<S> <C> <C> <C> <C> <C>
TEXT RIAD RIAD Year-to-Date
---- ---- ----
a. (1) 4469:_________________________________________ . . . . . . . 4469 . . 0 3.a.1
(2) Applicable income tax effect__________________ 4486 . . 0 . . . . . . . . . . 3.a.2
b. (1) 4487:_________________________________________ 4487 . . 0 3.b.1
(2) Applicable income tax effect__________________ 4488 . . 0 . . . . . . . . . . 3.b.2
c. (1) 4489:_________________________________________ . . . . . . . 4489 . . 0 3.c.1
(2) Applicable income tax effect__________________ 4491 . . 0 . . . . . . . . . . 3.c.2
4. Equity capital adjustments from amended Reports of Income (from Schedule RI-A,
from 2) (itemize and describe all adjustments):
TEXT RIAD
---- ----
a. 4492:______________________________________________________________________________4492 . . N/A 4.a
b. 4493:______________________________________________________________________________4493 . . N/A 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):
TEXT RIAD
---- ----
a. 4494:______________________________________________________________________________4494 . . N/A 5.a
b. 4495:______________________________________________________________________________4495 . . N/A 5.b
6. Corrections of material accounting errors from prior years (from Schedule RI-A, item
10) (itemize and describe all corretions):
TEXT RIAD
---- ----
a. 4496:______________________________________________________________________________4496: . . N/A 6.a
b. 4497:______________________________________________________________________________4497: . . N/A 6.b
7. Other transactions with parent holding company (from Schedule RI-A, item 12) (itemize
and describe all such transactions):
TEXT RIAD
---- ----
a. 4498:Capital Injection_____________________________________________________________4498: . . 5,060 7.a
-----------------
b. 4499:______________________________________________________________________________4499: . . N/A 7.b
8. Adjustments to allowance for loan and Lease losses (from Schedule RI-B, part II,
item 5) (itemize and describe all adjustments):
TEXT RIAD
---- ----
a. 4521:______________________________________________________________________________4521: . . N/A 8.a
b. 4522:______________________________________________________________________________4522: . . N/A 8.b
I298 I299
</TABLE>
9. Other explanations (the space below is provided for bank to briefly
describe, at its option, any other significant items affecting the
Report of Income):
No comment: X (RIAD 4769)
Other explanations (please type or print clearly):
(TEXT 4769)
<PAGE>
Consolidated Report of Condition for Insured Commercial and State-Chartered
Savings Banks for June 30, 1996
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
<TABLE>
<CAPTION>
C200 (less than -)
Dollar Amounts in Thousands
- ------------------------------------------------------------------------------------------------------------------------------------
ASSETS
<S> <C> <C> <C>
1. Cash and balances due from depository institutions (from Schedule RC-A): RCON
----
a. Noninterest-bearing balances and currency and coin (1) 0081. . 46,480 1.a
-----------------------
b. Interest-bearing balances (2) 0071. . 0 1.b
------------------------------------------------
2. Securities:
a. Held-to-maturity securities (from Schedule RC-B, column A) 1756. . 0 2.a
-------------------
b. Available-for-sale securities (from Schedule RC-B, column D) 1773. . 4,073 2.b
-----------------
3. Federal funds sold and securities purchased under agreements to resell:
a. Federal funds sold 0276. . 0 3.a
-----------------------------------------------------------
b. Securities purchased under agreements to resell 0277. . 0 3.b
------------------------------
4. Loans and lease financing receivables:
a. Loans and leases, net of unearned income RCON
----
(from Schedule RC-C) 2122 . . 0 . . . . . . 4.a
---------------------------------
b. LESS: Allowance for Loan and Lease Losses 3123 . . 0 . . . . . . 4.b
------------
c. LESS: Allocated transfer risk reserve 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. . 0 4.d
--------------------------
5. Trading assets 3545. . 0 5.
-------------------------------------------------------------------
6. Premises and fixed assets (including capitalized leases) 2145. . 505 6.
-------------------------
7. Other real estate owned (from Schedule RC-M) 2150. . 0 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. . 0 9.
---------------------
10. Intangible assets (from Schedule RC-M) 2143. . 83,328 10.
-------------------------------------------
11. Other assets (from Schedule RC-F) 2160. . 11,814 11.
------------------------------------------------
12. Total assets (sum of items 1 through 11) 2170. . 146,200 12.
-----------------------------------------
</TABLE>
- -----------------
(1) Includes cash items in process of collection and unposted debits.
(2) Includes time certificates of deposit not held for trading.
<PAGE>
Schedule RC - Continued
<TABLE>
<CAPTION>
Dollar Amounts in Thousands
- --------------------------------------------------------------------------------
<S> <C> <C>
LIABILITIES
13. Deposits
a. In domestic offices (sum of totals of RCON
----
columns A and C from Schedule RC-E)______2200. . 0 13.a
RCON
----
(1) Noninterest-bearing (1)___6631. . 0 . . . . . 13.a.1
(2) Interest-bearing__________6636. . 0 . . . . . 13.a.2
b. In foreign offices, Edge and Agreement sub-
sidiaries, and IBFs______________________ . . . . .
(1) Noninterest-bearing__________________ . . . . .
(2) interest-bearing ____________________ . . . . .
14. Federal funds purchased and securities sold under
agreements to repurchase:
a. Federal funds purchased__________________0278. . 0 14.a
b. Securities sold under agreements to
repurchase_______________________________0279. . 0 14.b
15. a. Demand notes issued to the U.S.
Treasury_________________________________2840. . 0 15.a
b. Trading liabilities______________________3548. . 0 15.b
16. Other borrowed money:
a. With a remaining maturity of one year
or less__________________________________2332. . 0 16.a
b. With a remaining maturity of more than
one year_________________________________2333. . 0 16.b
17. Mortgage indebtedness and obligations under
capitalized leases__________________________2910. . 0 17.
18. Bank's liability on acceptances executed
and outstanding_____________________________2920. . 0 18.
19. Subordinated notes and debentures___________3200. . 0 19.
20. Other liabilities (from Schedule RC-G)______2930. . 22,814 20.
21. Total liabilities (sum of items 13 through
20)_________________________________________2948. . 22,814 21.
22. Limited-life preferred stock and related
surplus_____________________________________3282. . 0 22.
EQUITY CAPITAL
23. Perpetual preferred stock and related
surplus_____________________________________3838. . 0 23.
24. Common stock________________________________3230. . 1,000 24.
25. Surplus (exclude all surplus related
to preferred stock)_________________________3839. . 126,260 25.
26. a. Undivided profits and capital reserves___3632. . ( 3,874) 26.a
b. Net unrealized holding gains (losses)
on available-for-sale securities_________8434. . 0 26.b
27. Cumulative foreign currency translation
adjustments_________________________________ . . . . .
28. Total equity capital (sum of items 23
through 27)_________________________________3210. . 123,386 28.
29. Total liabilities, limited-life preferred
stock, and equity capital (sum of items
21, 22, and 28)____________________ 3300. . 146,200 29.
</TABLE>
Memorandum
To be reported only with the March Report of Condition.
1. Indicate in the box at the right the number
of the statement below that best describes
the most comprehensive level of auditing
work performed for the bank by independent
external auditors as of any date during
1995________________________________________6724. . N/A M.1
1 = Independent audit of the bank 4 = Directors' examination of the bank
conducted in accordance with performed by other external auditors
generally accepted auditing (may be required by state chartering
standards by a certified public authority)
accounting firm which submits a 5 = Review of the bank's financial
report on the bank statements by external auditors
2 = Independent audit of the bank's 6 = Compilation of the bank's financial
parent holding company conducted statements by external auditors
in accordance with generally 7 = Other audit procedures (excluding
accepted auditing standards tax preparation work)
by a certified public accounting 8 = No external audit work
firm which submits a report on
the consolidated holding company
(but not on the bank separately)
3 = Director's 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)
- ----------
(1) Includes total demand deposits and noninterest-bearing time and savings
deposits.
<PAGE>
Schedule RC-A - Cash and Balances Due From Depository Institutions
Exclude assets held for trading.
C205
Dollar Amounts in Thousands
- --------------------------------------------------------------------------------
1. Cash items in process of collection, unposted
debits, and currency and coin: RCON
----
a. Cash items in process of collection
and unposted debits 0020. . 0 1.a
----------------------------
b. Currency and coin 0080. . 0 1.b
------------------------------
2. Balances due from depository institutions in
the U.S.:
a. U.S. branches and agencies of foreign banks 0083. . 0 2.a
----
b. Other commercial banks in the U.S. and
other depository institutions in the U.S. 0085. . 46,480 2.b
------
3. Balances due from banks in foreign countries
and foreign central banks:
a. Foreign branches of other U.S. banks 0073. . 0 3.a
-----------
b. Other banks in foreign countries and
foreign central banks 0074. . 0 3.b
--------------------------
4. Balances due from Federal Reserve Banks 0090. . 0 4.
-----------
5. Total (sum of items 1 through 4)(must equal
Schedule RC, sum of items 1.a and 1.b) 0010. . 46,480 5.
------------
Memorandum
Dollar Amounts in Thousands
- --------------------------------------------------------------------------------
1. Noninterest-bearing balances due from RCON
commercial banks in the U.S. (included ----
in items 2.a and 2.b above) 0050. . 46,480 M.1
<PAGE>
Schedule RC-B - Securities
Exclude assets held for trading.
<TABLE>
<CAPTION>
C210 -
Dollar Amounts in Thousands
- -------------------------------------------------------------------------------
Held-to-maturity
(Column A) (Column B)
Amortized Cost Fair Value
------------------ --------------------
<S> <C> <C>
1. U.S. Treasury RCON RCON
---- ----
securities______________________ 0211.. 0 0213.. 0
----
2. U.S. Government agency and
corporation obligations (exclude
mortgage-backed securities):
a. Issued by U.S. Government
agencies (2)_________________ 1289.. 0 1290.. 0
b. Issued by U.S. Government-
sponsored agencies (3)_______ 1294.. 0 1295.. 0
3. Securities issued by states and
political subdivisions in the
U.S.:
a. General obligations___________1676.. 0 1677.. 0
b. Revenue obligations___________1681.. 0 1686.. 0
c. Industrial development and similar
obligations___________________1694.. 0 1695.. 0
4. Mortgage-backed securities (MBS):
a. Pass-through securities:
(1) Guaranteed by GNMA________1698.. 0 1699.. 0
(2) Issued by FNMA and
FHLMC_____________________1703.. 0 1705.. 0
(3) Other pass-through
securities________________1709.. 0 1710.. 0
b. Other mortgage-backed securities
(include CMOs, REMICs, and
stripped MBS):
(1) Issued or guaranteed by FNMA,
FHLMC, or GNMA____________1714.. 0 1715.. 0
(2) Collateralized by MBS issued
or guaranteed by FNMA,
FHLMC, or GNMA____________1718.. 0 1719.. 0
(3) All other mortgage-backed
securities________________1733.. 0 1734.. 0
5. Other debt securities:
a. Other domestic debt 0 1738.. 0
securities____________________1737..
b. Foreign debt securities_______1742.. 0 1743.. 0
6. Equity securities:
a. Investments in mutual-funds___ ............ .............
b. Other equity securities with
readily determinable fair
values________________________ ............ .............
c. All other equity
securities(1)_________________ ............ .............
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
</TABLE>
<TABLE>
Available-for-sale
(Column C) (Column D)
Amortized Cost Fair Value
-------------------- ---------------------
<S> <C> <C>
1. U.S. Treasury RCON RCON
---- ----
securities_______________________1286.. 255 1287.. 255 1.
2. U.S. Government agency and
corporation obligations (exclude
mortgage-backed securities):
a. Issued by U.S. Government
agencies (2)__________________1291.. 0 1293.. 0 2.a
b. Issued by U.S. Government-
sponsored agencies (3)________1297.. 0 1298.. 0 2.b
3. Securities issued by states and
political subdivisions in the
U.S.:
a. General obligations___________1678.. 0 1679.. 0 3.a
b. Revenue obligations___________1690.. 0 1691.. 0 3.b
c. Industrial development and similar
obligations___________________1696.. 0 1697.. 0 3.c
4. Mortgage backed securities (MBS):
a. Pass-through securities:
(1) Guaranteed by GNMA________1701.. 0 1702.. 0 4a1
(2) Issued by FNMA and
FHLMC_____________________1706.. 0 1707.. 0 4a2
(3) Other pass-through
securities________________1711.. 0 1713.. 0 4a3
b. Other mortgage-backed securities
(include CMOs, REMICs, and
stripped MBS):
(1) Issued or guaranteed by FNMA,
FHLMC, or GNMA____________1716.. 0 1717.. 0 4b1
(2) Collateralized by MBS issued
or guaranteed by FNMA,
FHLMC, or GNMA____________1731.. 0 1732.. 0 4b2
(3) All other mortgage-backed
securities________________1735.. 0 1736.. 0 4b3
5. Other debt securities:
a. Other domestic debt 0 1741.. 0 5.a
securities____________________1739..
b. Foreign debt securities_______1744.. 0 1746.. 0 5.b
6. Equity securities:
a. Investments in mutual-funds___1747.. 0 a 1748.. 0 6.a
b. Other equity securities with
readily determinable fair
values________________________1749.. 0 1751.. 0 6.b
c. All other equity
securities(1)_________________1752.. 3,818 1753.. 3,818 6.c
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)________________________1772.. 4,073 1773.. 4,073 7.
</TABLE>
- ----------------------
(1) Includes equity securities without readily determinable fair values at
historical cost in item 6.c, 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.
<PAGE>
[LETTERHEAD APPEARS HERE]
Schedule RC-B - Continued
C212 -
<TABLE>
<CAPTION>
Memoranda
Dollar Amounts in Thousands
- -----------------------------------------------------------------------------------------------
<S> <C> <C> <C>
RCON
----
1. Pledged securities (1)___________________________________________0416.. 255 M.1
2. Maturity and repricing data for debt securities (1,2,3)
(excluding those in nonaccrual status):
a. Fixed rate debt securities with a remaining maturity of:
(1) Three months or less______________________________________0343.. 0 M.2.a1
(2) Over three months through 12 months_______________________0344.. 0 M.2.a2
(3) Over one year through five years__________________________0365.. 255 M.2.a3
(4) Over five years___________________________________________0346.. 0 M.2.a4
(5) Total fixed rate debt securities (sum of Memorandum
items 2.a.(1) through 2.a(4))_____________________________0347.. 255 M.2.a5
b. Floating rate debt securities with a repricing frequency of:
(1) Quarterly or more frequently______________________________4544.. 0 M.2.b1
(2) Annually or more frequently, but less frequently
than quarterly____________________________________________4545.. 0 M.2.b2
(3) Every five years or more frequently, but less
frequently than annually__________________________________4551.. 0 M.2.b3
(4) Less frequently than every five years_____________________4552.. 0 M.2.b4
(5) Total floating rate debt securities (sum of
items 2.b.(1) through 2.b.(4))____________________________4553.. 0 M.2.b5
c. Total debt securities (sum of Memorandum items 2.a.(5)) and 2.b.(5))
(must equal total debt securities from Schedule RC-B,
sum of items 1 through 5, columns A and D, minus
nonaccrual debt securities included in Schedule RC-n,
item 6, column C)_____________________________________________0393.. 255 M.2.c
3. Not applicable.
4. Held-to-maturity debt securities restructured and in compliance with
modified terms (included in Schedule RC-B, items 3 through 5,
column A, above)_________________________________________________5365.. 0 M.4
5. Not applicable.
6. Floating rate debt securities with a remaining maturity of one
year or less (1,3) (included in Memorandum items 2.b.(1)
through 2.b.(4) above)___________________________________________5519.. 0 M.6
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.. 0 M.8.a
b. Fair value____________________________________________________8781.. 0 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.. 0 M.9.a
b. Fair value____________________________________________________8783.. 0 M.9.b
</TABLE>
- ----------------
(1) Includes held-to-maturity securities at amortized cost and
available-for-sale securities at fair value.
(2) Exclude equity securities e.g., investments in mutual funds, Federal Reserve
stock, common stock, and preferred stock.
(3) Memorandum items 2 and 6 are not applicable to savings banks that must
complete supplemental Schedule RC-J.
<PAGE>
Schedule RC-C - Loans and Lease Financing Receivables
Part I. Loans and Leases
<TABLE>
<CAPTION>
Do not deduct the allowance for loan and lease losses from amounts reported in this schedule. Report total loans and leases, net of
unearned income. Exclude assets held for trading.
C215
Dollar Amounts in Thousands
- ------------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C>
1. Loans secured by real estate: RCON
----
a. Construction and land development__________________________________________________1415. . 0 1.a
b. Secured by farmland (including farm residential and other improvements)____________1420. . 0 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. . 0 1.c1
(2) All other loans secured by 1-4 family residential properties:
(a) Secured by first liens_____________________________________________________5367. . 0 1.c2a
(b) Secured by junior liens____________________________________________________5368. . 0 1.c2b
d. Secured by multifamily (5 or more) residential properties__________________________1460. . 0 1.d
e. Secured by nonfarm nonresidential properties_______________________________________1480. . 0 1.e
2. Loans to depository institutions:
a. To commercial banks in the U.S.:
(1) To U.S. branches and agencies of foreign banks_________________________________1506. . 0 2.a1
(2) To other commercial banks in the U.S.__________________________________________1507. . 0 2.a2
b. To other depository institutions in the U.S._______________________________________1517. . 0 2.b
c. To banks in foreign countries:
(1) To foreign branches of other U.S. banks________________________________________1513. . 0 2.c1
(2) To other banks in foreign countries____________________________________________1516. . 0 2.c2
3. Loans to finance agricultural production and other loans to farmers___________________1590. . 0 3.
4. Commercial and industrial Loans:
a. To U.S. addresses (domicile)_______________________________________________________1763. . 0 4.a
b. To non-U.S. addresses (domicile)___________________________________________________1764. . 0 4.b
5. Acceptances of other banks____________________________________________________________1755. . 0 5.
6. Loans to individuals for household, family, and other personal expenditures
(i.e., consumer loans) (includes purchased paper):
a. Credit cards and related plans (includes check credit and other revolving credit
plans)_____________________________________________________________________________2008. . 0 6.a
b. Other (includes single payment, installment, and all student loans)________________2011. . 0 6.b
7. Loans to foreign governments and official institutions (including foreign central
banks)________________________________________________________________________________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. . 0 8.
9. Other loans:
a. Loans for purchasing or carrying securities (secured and unsecured)________________1545. . 0 9.a
b. All other loans (exclude consumer loans)___________________________________________1564. . 0 9.b
10. Lease financing receivables (net of unearned income)__________________________________2165. . 0 10.
11. LESS: Any unearned income on loans reflected in items 1-9 above_______________________2123. . 0 11.
12. Total loans and leases, net of unearned income (sum of items 1 through 10 minus item
11) (must equal Schedule RC, item 4.a)________________________________________________2122. . 0 12.
</TABLE>
<PAGE>
Schedule RC-C - Continued
Part I. Continued
<TABLE>
<CAPTION>
Memoranda
Dollar Amount in Thousands
- -----------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C>
RCON
----
1. Commercial paper included in Schedule RC-C, part I, above________________________________1496. . 0 M.1
2. Loans (1) and Leases restructured and in compliance with modified terms (included in
Schedule RC-C, part I, above, and not reported as past due or nonaccrual in Schedule
RC-N, Memorandum Item 1):
a. Real estate loans_____________________________________________________________________1617. . 0 M.2.a
b. All other loans and all lease financing receivables (exclude loans to individuals
for household, family, and other personal expenditures)_______________________________8691. . 0 M.2.b
3. Maturity and repricing data for loans and leases (2) (excluding those in nonaccrual
status):
a. Fixed rate loans and leases with a remaining maturity of:
(1) Three months or less______________________________________________________________0348. . 0 M.3.a1
(2) Over three months through 12 months_______________________________________________0349. . 0 M.3.a2
(3) Over one year through five years__________________________________________________0356. . 0 M.3.a3
(4) Over five years___________________________________________________________________0357. . 0 M.3.a4
(5) Total fixed rate loans and leases (sum of Memorandum items 3.a.(1) through
3.a.(4))__________________________________________________________________________0358. . 0 M.3.a5
b. Floating rate loans with a repricing frequency of:
(1) Quarterly or more frequently______________________________________________________4554. . 0 M.3.b1
(2) Annually or more frequently, but less frequently than quarterly___________________4555. . 0 M.3.b2
(3) Every five years or more frequently, but less frequently than annually____________4561. . 0 M.3.b3
(4) Less frequently than every five years_____________________________________________4564. . 0 M.3.b4
(5) Total floating rate loans (sum of Memorandum items 3.b.(1) through 3.b.(4))_______4567. . 0 M.3.b5
c. Total loans and leases (sum of Memorandum items 3.a.(5) and 3.b.(5)) (must equal the
sum of total loans and leases, net, from Schedule RC-C, part I, item 12, plus
unearned income from Schedule RC-C, part I, item 11, minus total nonaccrual loans
and leases from Schedule RC-N, sum of items 1 through 5, column C)____________________1479. . 0 M.3.c
d. Floating rate loans with a remaining maturity of one year or less (included in
Memorandum items 3.b.(1) through 3.b.(4) above)_______________________________________A246. . 0 M.3.d
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.b,
page RC-6 (3)____________________________________________________________________________2746. . 0 M.4
5. Loans and leases held for sale (included in Schedule RC-C, part I, above)________________5369. . 0 M.5
6. Adjustable rate closed-end loans secured by first liens on 1-4 family residential
properties (included in Schedule RC-C, part I, item 1.c.(2)(a), page RC-6)_______________5370. . 0 M.6
</TABLE>
- ---------------
(1) See instructions for loan classifications used in Memorandum item 2.
(2) Memorandum item 3 is not applicable to savings banks that must complete
supplemental Schedule RC-J.
(3) Exclude loans secured by real estate that are included in Schedule RC-C,
part I, items 1.a through 1.e.
<PAGE>
Schedule RC-C - Continued
Part II. Loans to Small Businesses and Small Farms
Schedule RC-C, Part II is to be reported only with the June Report of Condition.
Report the number and amount currently outstanding as of June 30 of business
loans with "original amounts" of $ 1,000,000 or less and farm loans with
"original amounts" of $ 500,000 or less. The following guidelines should be used
to determine the "original amount" of a loan: (1) For loans drawn down under
lines of credit or loan commitments, the "original amount" of the loan is the
size of the line of credit or loan commitment when the line of credit or loan
commitment, when the line of credit or loan commitment was most recently
approved, extended or renewed prior to the report date. However, if the amount
currently outstanding as of the report date exceeds this size, the "original
amount" is the amount currently outstanding on the report date. (2) For loan
participations and syndications, the "original amount" of the loan perticipation
or syndication is the entire amount of the credit originated by the lead lender.
(3) For all other loans, the "original amount" is the total amount of the loan
at origination or the amount currently outstanding as of the report date,
whichever is larger.
Loans to Small Businesses C218
<TABLE>
<S> <C> <C> <C> <C>
1. Indicate in the appropriate box at the right whether all or substantially
all of the dollar volume of your bank's "Loans secured by nonfarm nonresidential
properties" reported in Schedule RC-C, part I, item 1.e. and all or
substantially all of the dollar volume of your bank's "Commercial and industrial
loans to U.S. addressees" reported in Schedule RC-C, part I, item 4.a, have
original amounts of $ 100,000 or less (if your bank has no loans outstanding in
both of these two loan categories, place an "X" in the box marked "NO" and go to RCON YES NO
---- --- --
item 5; other, see instructions for further information.)__________________________6999. . X 1.
</TABLE>
If YES, complete items 2.a and 2.b below, skip items 3 and 4, and go to Item 5.
If NO and your bank has loans outstanding in either loan category, skip items
2.a and 2.b, complete items 3 and 4 below, and go to item 5.
2. Report the total number of loans currently outstanding for each of the
following Schedule RC-C, part I, loan categories:
<TABLE>
<CAPTION>
Number of Loans
----------------------------------------
<S> <C> <C> <C>
a. "Loans secured by nonfarm nonresidential properties" RCON
reported in Schedule RC-C, part 1, ----
item 1.e____________________________________________________________ 5562. . N/A 2.a
b. "Commercial and industrial loans to U.S. addressees"
reported in Schedule RC-C, partI, item 4.a__________________________ 5563. . N/A 2.b
</TABLE>
<TABLE>
<CAPTION>
Dollar Amounts in Thousands
- ----------------------------------------------------------------------------------------------------------------------------------
---------------------------------------------------------------------------
(Column A) (Column B)
Number of Loans Amount Currently Outstanding
------------------------------- -----------------------------------
<S> <C> <C>
3. Number and amount currently outstanding of
"Loans secured by nonfarm nonresidential
properties" reported in Schedule be less than
or equal to Schedule RC-C, part 1, item 1.e:) RCON RCON
a. With original amounts of $ 100,000 ---- ----
or Less__________________________________ 5564. . N/A 5565. . N/A 3.a
b. With original amounts of more than $ 100,000
through $ 250,000________________________ 5566. . N/A 5567. . N/A 3.b
c. With original amounts of more than $ 250,000
through $ 1,000,000______________________ 5568. . N/A 5569. . N/A 3.c
4. Number and amount currently outstanding of
"Commercial and industrial loans to U.S.
addresses" reported in Schedule RC-C,
part 1, item 4.a (sum of items 4.a through
4.c must be less than or equal to Schedule
RC-C, part 1, item 4.a): RCON RCON
a. With original amounts of $ 100,000 ---- ----
or less__________________________________ 5570. . N/A 5571. . N/A 4.a
b. With original amounts of more than
$ 100,000 through $ 250,000______________ 5572. . N/A 5573. . N/A 4.b
c. With original amounts of more than
$ 250,000 through $ 1,000,000____________ 5574. . N/A 5575. . N/A 4.c
</TABLE>
<PAGE>
Schedule RC-C - Continued
Part II. Continued
Agricultural Loans to Small Farms
5. Indicate in the appropriate box at the right
whether all or substantially all of the dollar
volume of your bank's "Loans secured by
farmland (including farm residential and other
improvements)" reported in Schedule RC-C,
part I, item 1.b, and all or substantially all
of the dollar volume of your bank's "Loans to
finance agricultural production and other loans
to farmers" reported in Schedule RC-C, part I
item 3, have original amounts of $ 100,000 or
less (If your bank has no loans outstanding in
both of these two loan categories, place an "X"
in the box marked "NO" and do not complete RCON YES NO
items 7 and 8; otherwise, see instructions for ---- --- --
further information.)________________________________6860. . X 5.
If YES, complete items 6.a and 6.b below and do not
complete items 7 and 8.
If NO and your bank has loans outstanding in either
loan category, skip items 6.a and 6.b and complete
items 7 and 8 below.
6. Report the total number of loans
currently outstanding for each
of the following Schedule RC-C,
part I, loan categories: Number of Loans
a. "Loans secured by farmland -----------------
(including farm residential
and other improvements)" RCON
reported in Schedule RC-C, ----
part I, item 1.b__________________5576. . N/A 6.a
b. "Loans to finance agricultural
production and other loans to farmers"
reported in Schedule RC-C, part I,
item 3____________________________5577. . N/A 6.b
<TABLE>
Dollar Amounts in Thousands
- ------------------------------------------------------------------------------------
............................................
<CAPTION>
(Column A) (Column B)
Number of Loans Amount Currently Outstanding
--------------- ----------------------------
<S> <C> <C> <C> <C> <C>
7. Number and amount currently out-
standing of "Loans secured by
farmland (including farm
residential and other improve-
ments)" reported in Schedule
RC-C, part I, item 1.b (sum of
items 7.a through 7.c must be
less than or equal to Schedule RCON RCON
RC-C, part I, item 1.b): ---- ----
a. With original amounts of
$ 100,000 or less_________________5578. . N/A 5579. . N/A 7.a
b. With original amounts of
more than $ 100,000 through
$ 250,000_________________________5580. . N/A 5581. . N/A 7.b
c. With original amounts of
more than $ 250,000 through
$ 500,000_________________________5582. . N/A 5583. . N/A 7.c
8. Number and amount currently out-
standing of "Loans to finance
agricultural production and other
loans to farmers" reported in Schedule
RC-C, part I, item 3 (sum of items
8.a through 8.c must be less than or
equal to Schedule RC-C, part I, RCON RCON
item 3): ---- ----
a. With original amounts of
$ 100,000 or less_________________5584. . N/A 5585. . N/A 8.a
b. With original amounts of more
than $ 100,000 through $ 250,000__5586. . N/A 5587. . N/A 8.b
c. With original amounts of more
than $ 250,000 through $ 500,000__5588. . N/A 5589. . N/A 8.c
</TABLE>
<PAGE>
Schedule RC-E - Deposit Liabilities
<TABLE>
<CAPTION>
C225 -
Dollar Amounts in Thousands
- ------------------------------------------------------------------------------------------------------------------------------------
-------------------Transactions Accounts------------------- --Nontransaction Accounts--
(Column A) (Column B) (Column C)
Total transaction Memo: Total demand
accounts (including total deposits (included in Total nontransaction
demand deposits) column A) accounts (including MMDAs)
- --------------------------------------------- ------------------------ ------------------------- ---------------------------------
<S> <C> <C> <C> <C>
Deposits of: RCON RCON RCON
---- ---- ----
1. Individuals, partnerships and corporations_2201.. 0 2240.. 0 2346.. 0 1.
2. U.S. Government____________________________2202.. 0 2280.. 0 2520.. 0 2.
3. States and political subdivisions in
the U.S.___________________________________2203.. 0 2290.. 0 2530.. 0 3.
4. Commercial banks in the U.S._______________2206.. 0 2310.. 0 2550.. 0 4.
5. Other depository institutions in the U.S.__2207.. 0 2312.. 0 2349.. 0 5.
6. Banks in foreign countries_________________2213.. 0 2320.. 0 2236.. 0 6.
7. Foreign governments and official institu-
tions (includings foreign central banks____2216.. 0 2300.. 0 2377.. 0 7.
8. Certified and official checks______________2330.. 0 2330.. . . . . . . 8.
9. Total (sum of items 1 through 8) (sum of
columns A and C must equal Schedule RC,
item 13.a)_________________________________2215.. 0 2210.. 0 2385.. 0 9.
<CAPTION>
Dollar Amounts in Thousands
- ------------------------------------------------------------------------------------------------------------------------------------
Memoranda
<S> <C> <C>
1. Selected components of total deposits (i.e., sum of items 9, columns A and C): RCOM
----
a. Total Individual Retirement Accounts (IRAs) and Keogh Plan accounts_____________________6835.. 0 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.c1
(2) Issued either in denominations of $ 100,00 or in denominations greater than
$ 100,000 and participated out by the broker in shares of $100,000 or less__________2344.. 0 M.1.c2
d. Maturity data for brokered deposits:
(1) Brokered deposits issued in denominations of Less than $ 100,000 or with a remaining
maturity of one year or less (included in Memorandum item 1.c.(1) above)____________A243.. 0 M.1.d1
(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.d2
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.. 0 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.. 0 M.2.a1
(2) Other savings deposits (excludes MMDAs)_____________________________________________0352.. 0 M.2.a2
b. Total time deposits of less than $ 100,000______________________________________________6648.. 0 M.2.b
c. Time certificates of deposit of $ 100,000 or more_______________________________________6645.. 0 M.2.c
d. Open-account time deposits of $100,000 or more__________________________________________6646.. 0 M.2.d
3. ALL NOW accounts (included in column A above)______________________________________________2398.. 0 M.3
4. Not applicable
</TABLE>
<PAGE>
Schedule RC-E - Continued
<TABLE>
<CAPTION>
Dollar Amounts in Thousands
- ------------------------------------------------------------------------------------------------------------------------------------
Memoranda (continued)
<S> <C> <C> <C>
5. Maturity and repricing data for time deposits of less than $ 100,00 (sum of Memorandum
items 5.a.(1) through 5.b.(3) must equal Memorandum item 2.b above): (1)
a. Fixed rate time deposits of less than $ 100,00 with a remaining maturity of: RCON
----
(1) Three months or less_____________________________________________________________A225. . 0 M.5.a1
(2) Over three months through 12 months______________________________________________A226. . 0 M.5.a2
(3) Over one year____________________________________________________________________A227. . 0 M.5.a3
b. Floating rate time deposits of less than $ 100,00 with a repricing frequency of :
(1) Quarterly or more frequently_____________________________________________________A228. . 0 M.5.b1
(2) Annually or more frequently, but less frequently than quarterly__________________A229. . 0 M.5.b2
(3) Less frequently than annually____________________________________________________A230. . 0 M.5.b3
c. Floating rate time deposits of less than $ 100,000 with a remaining maturity of
one year or less (included in Memorandum items 5.b.(1) through 5.b.(3) above)________A231. . 0 M.5.c
6. Maturity and repricing data for time deposits of $ 100,000 or more (i.e., time
certificates of deposit of $ 100,000 or more and open-account time deposits of
$ 100,000 or more) (sum of Memorandum item 6.a.(1) through 6.b.(4) must equal
the sum of Memorandum items 2.c and 2.d above): (1)
a. Fixed rate time deposits of $ 100,000 or more with a remaining maturity of:
(1) Three months or less_____________________________________________________________A232. . 0 M.6.a1
(2) Over three months through 12 months______________________________________________A233. . 0 M.6.a2
(3) Over one year through five years_________________________________________________A234. . 0 M.6.a3
(4) Over five years__________________________________________________________________A235. . 0 M.6.a4
b. Floating rate time deposits of $ 100,000 or more with a repricing frequency of:
(1) Quarterly or more frequently_____________________________________________________A236. . 0 M.6.b1
(2) Annually or more frequently, but less frequently than quarterly__________________A237. . 0 M.6.b2
(3) Every five years or more frequently, but less frequently than annually___________A238. . 0 M.6.b3
(4) Less frequently than every five years____________________________________________A239. . 0 M.6.b4
c. Floating rate time deposits of $ 100,000 or more with a remaining maturity of
one year or less (included in Memorandum items 6.b.(1) through 6.b.(4)_______________A240. . 0 M.6.c
- -------------
</TABLE>
(1)Memorandum items 5 and 6 are not applicable to savings banks that must
complete supplemental Schedule RC-J.
<PAGE>
Schedule RC-F - Other Assets
<TABLE>
<CAPTION>
C230
Dollar Amounts in Thousands
- ------------------------------------------------------------------------------------------------------------------------------------
RCON
----
<S> <C> <C> <C>
1. Income earned, not collected on loans_________________________________________________2164. . 0 1.
2. Net deferred tax assets (1)___________________________________________________________2148. . 481 2.
3. Excess residential mortgage servicing fees receivable________________________________5371. . 0 3.
4. Other (itemize and describe amounts that exceed 25% of this item)_____________________2168. . 11,333 4.
TEXT RCON
---- ----
a. 3549: Accounts Receivable__________________________3549 . . 5,947 . . . . . . . . . . 4.a
b. 3550: Accrued Federal Taxes________________________3550 . . 2,843 . . . . . . . . . . 4.b
c. 3551:_______________________________________________3551 . . N/A . . . . . . . . . . 4.c
5. Total (sum of items 1 through 4) (must equal Schedule RC, item 11) 2160. . 11,814 5.
Memorandum
Dollar Amounts in Thousands
- ------------------------------------------------------------------------------------------------------------------------------------
1. Deferred tax assets disallowed for regulatory capital purposes________________________5610. . 0 M.1
Schedule RC-G - Other Liabilities
C235
Dollar Amounts in Thousands
- ------------------------------------------------------------------------------------------------------------------------------------
RCON
----
<S> <C> <C> <C>
1. a. Interest accrued and unpaid on deposits (2)________________________________________3645. . 0 1.a
b. Other expenses accrued and unpaid (includes accrued income taxes payable)__________3646. . 5,867 1.b
2. Net deferred tax liabilities (1)______________________________________________________3049. . 0 2.
3. Minority interest in consolidated subsidiaries________________________________________3000. . 0 3.
4. Other (itemize and describe amounts that exceed 25% of this item)_____________________2938. . 16,947 4.
TEXT RCON
---- ----
a. 3552: Account Payable Due to Affiliate_____________3552. . 6,831 . . . . . . . . . . . 4.a
b. 3553: Deferred Income - Fees_______________________3553. . 6,494 . . . . . . . . . . . 4.b
c. 3554:_______________________________________________3554. . N/A . . . . . . . . . . . 4.c
5. Total (sum of items 1 through 4 (must equal Schedule RC, item 20)____________________2930. . 22,814 5.
- ---------------
</TABLE>
(1) See discussion of deferred income taxes in Glossary entry on "income taxes."
(2) For savings banks, includes "dividends" accrued and unpaid on deposits.
<PAGE>
Schedule RC-K - Quarterly Averages(1)
C255
<TABLE>
<CAPTION>
Dollar Amounts in Thousands
- ---------------------------------------------------------------------------------------------------------------------------
ASSETS RCON
----
<S> <C> <C> <C>
1. Interest-bearing balances due from depository institutions____________________________3381. . 0 1.
2. U.S. Treasury securities and U.S. Government agency and corporation obligations(3)____3382. . 258 2.
3. Securities issued by states and political subdivisions in the U.S.(3)_________________3383. . 0 3.
4. a. Other debt securities (3)__________________________________________________________3647. . 0 4.a
b. Equity securities (4)(includes investments in mutual funds and Federal Reserve
stock)_____________________________________________________________________________3648. . 3,721 4.b
5. Federal funds sold and securities purchased under agreements to resell________________3365. . 0 5.
6. Total loans (2):
a. Real estate loans__________________________________________________________________3286. . 0 6.a
b. Installment loans__________________________________________________________________3287. . 0 6.b
c. Credit cards and related plans_____________________________________________________3288. . 0 6.c
d. Commercial (time and demand) and all other loans___________________________________3289. . 0 6.d
7. Trading assets________________________________________________________________________3401. . 0 7.
8. Lease financing receivables (net of unearned income)__________________________________3484. . 0 8.
9. Total assets(5)_______________________________________________________________________3368. . 136,899 9.
LIABILITIES
10. Interest-bearing transaction accounts (NOW accounts, ATS accounts, and telephone and
preauthorized transfer accounts) (exclude demand deposits)___________________________3485. . 0 10.
11. Nontransaction accounts:
a. Money market deposit accounts (MMDAs)___________-_________________________________3486. . 0 11.a
b. Other savings deposits____________________________________________________________3487. . 0 11.b
c. Time certificates of deposit of $ 100,000 or more_________________________________3345. . 0 11.c
d. All other time deposits___________________________________________________________3469. . 0 11.d
12. Federal funds purchased and securities sold under agreements to repurchase___________3353. . 0 12.
13. Other borrowed money_________________________________________________________________3355. . 0 13.
Memorandum
- -------------------------------------------------------------------------------------------------------------------------
1. To be completed by banks with loans to finance agricultural production and
other loans to farmers (Schedule RC-C, part 1, item 3) exceeding five percent of
total Loans.
Agricultural loans (2) included in items 6.a through 6.d above_______________________3379. . 0 M.1
</TABLE>
- ----------------
(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) See instructions for loan classifications used in this schedule.
(3) Quarterly averages for all debt securities should be based on amortized
cost.
(4) Quarterly averages for all equity securities should be based on historical
cost.
(5) 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.
<PAGE>
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.
<TABLE>
<CAPTION>
C260 -
Dollar Amounts in Thousands
- ------------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C>
1. Unused commitments:
a. Revolving, open-end lines secured by 1-4 family residential properties, RCON
----
e.g., home equity lines__________________________________________________________3814. . . . . . . 0 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. . 0 1.c.1
(2) Commitments to fund loans not secured by real estate_________________________6550. . 0 1.c.2
d. Securities underwriting__________________________________________________________3817. . 0 1.d
e. Other unused commitments_________________________________________________________3818. . 0 1.e
2. Financial standby letters of credit_________________________________________________3819. . 0 2.
a. Amount of financial standby letters of credit RCON
----
conveyed to others________________________________3820 . . 0 . . . . . 0 2.a
3. Performance standby letters of credit_______________________________________________3821. . 0 3.
a. Amount of performance standby letters of credit RCON
----
conveyed to others________________________________3822 . . 0 . . . . . 0 3.a
4. Commercial and similar letters of credit____________________________________________3411. . 0 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. . 0 7.
8. Securities lent (including customers' securities lent where the customer is
indemnified against loss by the reporting bank)_____________________________________3433. . 0 8.
9. Loans transferred (i.e., sold or swapped) with recourse that have been treated as
sold for Call Report purposes:
a. FNMA and FHLMC residential mortgage loan pools:
(1) Outstanding principal balance of mortgages transferred as of the report date_3650. . 0 9.a.1
(2) Amount of recourse exposure on these mortgages as of the report date_________3651. . 0 9.a.2
b. Private (nongovernment-issued or -guaranteed) residential mortgage loan pools:
(1) Outstanding principal balance of mortgages transferred as of the report date_3652. . 0 9.b.1
(2) Amount of recourse exposure on these mortgages as of the report date_________3653. . 0 9.b.2
c. Farmer Mac agricultural mortgage loan pools:
(1) Outstanding principal balance of mortgages transferred as of the report date_3654. . 0 9.c.1
(2) Amount of recourse exposure on these mortgages as of the report date_________3655. . 0 9.c.2
d. 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.d.1
(2) Amount of retained recourse on these obligations as of the report date_______A250. . 0 9.d.2
10. When-issued securities:
a. Gross commitments to purchase____________________________________________________3434. . 0 10.a
a. Gross commitments to sell________________________________________________________3435. . 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.
TEXT RCON
---- ----
a. 3555:_____________________________________________3555 . . N/A . . . . . . 12.a
b. 3556:_____________________________________________3556 . . 0 . . . . . . 12.b
c. 3557:_____________________________________________3557 . . N/A . . . . . . 12.c
d. 3558:_____________________________________________3558 . . N/A . . . . . . 12.d
</TABLE>
<PAGE>
Schedule RC-L - Continued
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.
TEXT RCON
---- ----
a. 5592: ____________________5592. . N/A . . . . . . 13.a
b. 5593: ____________________5593. . N/A . . . . . . 13.b
c. 5594: ____________________5594. . N/A . . . . . . 13.c
d. 5595: ____________________5595. . N/A . . . . . . 13.d
C261 -
<TABLE>
<CAPTION>
Dollar Amounts in Thousands
- ------------------------------------------------------------------------------------------------------------------------------------
(Column A) (Column B) (Column C) (Column D)
Equity Commodity
Off-Balance sheet Derivatives Position Interest Rate Foreign Exchange Derivative And Other
Indicators Contracts Contracts Contracts Contracts
- -------------------------------------- ------------------- -------------------- ----------------- ------------------
<S> <C> <C> <C> <C> <C>
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: RCON RCON RCON RCON
---- ---- ---- ----
a. Futures contracts_______________8693.. 0 8694.. 0 8695.. 0 8696.. 0 14.a
b. Forward contracts_______________8697.. 0 8698.. 0 8699.. 0 8700.. 0 14.b
c. Exchange-traded option contracts:
(1) Written options_____________8701.. 0 8702.. 0 8703.. 0 8704.. 0 14.c1
(2) Purchased options___________8705.. 0 8706.. 0 8707.. 0 8708.. 0 14.c2
d. Over-the-counter option contracts:
(1) Written options_____________8709.. 0 8710.. 0 8711.. 0 8712.. 0 14.d1
(2) Purchased options___________8713.. 0 8714.. 0 8715.. 0 8716.. 0 14.d2
e. Swaps___________________________3450.. 0 3826.. 0 8719.. 0 8720.. 0 14.e
15. Total gross notional amount of
derivative contacts held for
trading____________________________A126.. 0 A127.. 0 8723.. 0 8724.. 0 15.
16. Total gross notional amount of
derivative contracts held for
purposes other than trading:
a. Contracts marked to market______8725.. 0 8726.. 0 8727.. 0 8728.. 0 16.a
b. Contracts not marked to market__8729.. 0 8730.. 0 8731.. 0 8732.. 0 16.b
17. Gross fair value of derivative
contracts:
a. Contracts held for trading:
(1) Gross positive fair value___8733.. 0 8734.. 0 8735.. 0 8736.. 0 17.a1
(2) Gross negative fair value___8737.. 0 8738.. 0 8739.. 0 8740.. 0 17.a2
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.b1
(2) Gross negative fair value___8745.. 0 8746.. 0 8747.. 0 8748.. 0 17.b2
c. Contracts held for purposes other
than trading that are not market
to market:
(1) Gross positive fair value___8749.. 0 8750.. 0 8751.. 0 8752.. 0 17.c1
(2) Gross negative fair value___8753.. 0 8754.. 0 8755.. 0 8756.. 0 17.c2
</TABLE>
Memoranda
<TABLE>
Dollar Amounts in Thousands
- ------------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C>
1. Not applicable.
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. . 0 M.3
a. Participations in commitments with an original RCON
----
maturity exceeding one year conveyed to others______3834. . 0 . . . . . . M.3a
</TABLE>
<PAGE>
Schedule RC-M - Memoranda
<TABLE>
<CAPTION>
C265
Dollar Amounts in Thousands
- ------------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C>
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, RCON
----
principal shareholders and their related interests_________________________________6164.. 0 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 RCON Number
---- ------
defined for this purpose in agency regulations_________6165.. 0 . . . . . . 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.a and 3.b)_____________________________________________________________________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. Mortgages 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. Mortgages serviced under other servicing contracts_________________________________5505.. 0 4.d
5. Not applicable.
6. Intangible assets:
a. Mortgage servicing rights__________________________________________________________3164.. 0 6.a
b. Other identifiable intangible assets:
(1) Purchased credit card relationships____________________________________________5506.. 0 6.b.1
(2) All other identifiable intangible assets_______________________________________5507.. 80,384 6.b.2
c. Goodwill___________________________________________________________________________3163.. 2,944 6.c
d. Total (sum of items 6.a through 6.c) (must equal Schedule RC, item 10)_____________2143.. 83,328 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.
</TABLE>
- ----------
(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.
<PAGE>
Schedule RC-M - Continued
<TABLE>
<CAPTION>
Dollar Amounts in Thousands
- ------------------------------------------------------------------------------------------------------------------------------------
8. a. Other real estate owned: RCON
----
<S> <C> <C> <C>
(1) Direct and indirect investments in real estate ventures__________________________5372. . 0 8.a.1
(2) All other real estate owned:
(a) Construction and land development____________________________________________5508. . 0 8.a.2a
(b) Farmland_____________________________________________________________________5509. . 0 8.a.2b
(c) 1-4 family residential properties____________________________________________5510. . 0 8.a.2c
(d) Multifamily (5 or more) residential properties_______________________________5511. . 0 8.a.2d
(e) Nonfarm nonresidential properties____________________________________________5512. . 0 8.a.2e
(3) Total (sum of items 8.a.(1) and 8.a.(2), (must equal Schedule RC, item 7)_________2159. . 0 8.a.3
b. Investments in unconsolidated subsidiaries and associated companies:
(1) Direct and indirect investments in real estate ventures__________________________5374. . 0 8.b.1
(2) All other investments in unconsolidated subsidiaries and associated companies____5375. . 0 8.b.2
(3) Total (sum of items 8.b.(1) and 8.b.(2), (must equal Schedule RC, item 8)_________2130. . 0 8.b.3
c. Total assets of unconsolidated subsidiaries and associated companies_________________5376. . 0 8.c
9. Noncumulative perpetual preferred stock and related surplus included in Schedule RC,
item 23, "Perpetual preferred stock and related surplus"________________________________3778. . 0 9.
10. Mutual fund and annuity sales during the quarter (include proprietary, private label,
and third party products):
a. Money market funds__________________________________________________________________6441. . 0 10.a
b. Equity securities funds_____________________________________________________________8427. . 0 10.b
c. Debt securities funds_______________________________________________________________8428. . 0 10.c
d. Other mutual funds__________________________________________________________________8429. . 0 10.d
e. Annuities___________________________________________________________________________8430. . 0 10.e
f. Sales of proprietary mutual funds and annuities (included in items 10.a through
10.e above)_________________________________________________________________________8784. . 0 10.f
<CAPTION>
Memorandum
Dollar Amounts in Thousands
- ------------------------------------------------------------------------------------------------------------------------------------
1. Interbank holdings of capital instruments (to be completed for the December report
only): RCON
----
<S> <C> <C> <C>
a. Reciprocal holdings of banking organizations' capital instruments____________________3836. . N/A M.1.a
b. Nonreciprocal holdings of banking organizations' capital instruments_________________3837. . N/A M.1.b
</TABLE>
<PAGE>
Schedule RC-N - Past Due and Nonaccrual Loans (1), Leases, and Other Assets
The FFIEC regards the information reported in all of Memorandum item 1, in items
1 through 7, column A, and in Memorandum items 2 through 4, column A, as
confidential.
<TABLE>
C270
<CAPTION> Dollar Amounts In Thousands
- -------------------------------------------------------------------------------------------------------------------------
......(Column A)........ .......(Column B)......... .......(Column C)......
Past due 30 through 89 Past due 90 days or more Nonaccrual
days and still accruing and still accruing
------------------------- -------------------------- -----------------------
RCON RCON RCON
---- ---- ----
<S> <C> <C> <C> <C> <C> <C>
1. Real estate loans____________________1210.. 0 1211.. 0 1212.. 0 1.
2. Installment loans____________________1214.. 0 1215.. 0 1216.. 0 2.
3. Credit cards and related plans_______1218.. 0 1219.. 0 1220.. 0 3.
4. Commercial (time and demand) and
all other loans______________________1222.. 0 1223.. 0 1224.. 0 4.
5. Lease financing receivables__________1226.. 0 1227.. 0 1228.. 0 5.
6. Debt securities and other assets
(exclude other real estate owned and
other repossessed assets)____________3505.. 0 3506.. 0 3507.. 0 6.
========================================================================================================================
<CAPTION>
Amounts reported in items 1 through 5 above include guaranteed and unguaranteed portions of past due and nonaccrual loans and
leases. Report in item 7 below certain guaranteed loans and leases that have already been included in the amounts reported in items
1 through 5.
<S> <C> <C> <C> <C> <C> <C>
7. Loans and leases reported in
items 1 through 5 above which
are wholly or partially RCON RCON RCON
guaranteed by the U.S. ---- ---- -----
Government__________________________5612.. 0 5613.. 0 5614.. 0 7.
a. Guaranteed portion of loans and
leases included in item 7
above____________________________5615.. 0 5616.. 0 5617.. 0 7.a
<CAPTION>
Memoranda C273
Dollar Amounts In Thousands
- -------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C> <C> <C>
1. Restructured loans and leases
included in Schedule RC-N, items 1
through 5, above (and not reported RCON RCON RCON
in Schedule RC-C, Memorandum ---- ---- ----
item 2)______________________________1658.. 0 1659.. 0 1661.. 0 M.1
2. To be completed by banks with loans
to finance agricultural production
and other loans to farmers
(Schedule RC-C, part I, item 3)
exceeding five percent of total
loans:
Agricultural loans included in
Schedule RC-N, items 1 through 4,
above________________________________1230.. 0 1231.. 0 1232.. 0 M.2
3. Loans to finance commercial real
estate, construction, and land
development activities (not
secured by real estate) included
in Schedule RC-N, items 2 through
4, above_____________________________5421.. 0 5422.. 0 5423.. 0 M.3
4. Real estate loans (sum of Memorandum
items 4.a through 4.e must equal
Schedule RC-N, item 1, above):
a. Construction and land
development_______________________5424.. 0 5425.. 0 5426.. 0 M.4a
b. Secured by farmland_______________5427.. 0 5428.. 0 5429.. 0 M.4b
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________________________5430.. 0 5431.. 0 5432.. 0 M.4c1
(2) All other loans secured by 1-4
family residential properties_5433.. 0 5434.. 0 5435.. 0 M.4c2
d. Secured by multifamily (5 or more)
residential properties____________5436.. 0 5437.. 0 5438.. 0 M.4d
e. Secured by nonfarm nonresidential
properties________________________5439.. 0 5440.. 0 5441.. 0 M.4e
</TABLE>
- ----------------
(1) See instructions for loan classifications used in this schedule.
<PAGE>
Schedule RC-O - Other Data for Deposit Insurance Assessments
<TABLE>
<CAPTION>
C275
Dollar Amounts in Thousands
- ---------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C>
1. Unposted debits (see instructions): RCON
----
a. Actual amount of all unposted debits_____________________________________0030. . 0 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. . 0 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)_________________________________________________3520. . 0 3.
4. Deposits of consolidated subsidiaries (not included in total deposits):
a. Demand deposits of consolidated subsidiaries_____________________________2211. . 0 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. Not applicable.
Item 6 is not applicable to state nonmember banks that have not been
authorized by the Federal Reserve to act as pass-through correspondents.
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,
Memorandum item 4.a)_____________________________________________________2314. . 0 6.a
b. Amount reflected in time and savings deposits (1) (included in Schedule
RC-E, Memorandum item 4.b)_______________________________________________2315. . 0 6.b
7. Unamortized premiums and discounts on time and savings deposits:(1)
a. Unamortized premiums_____________________________________________________5516. . 0 7.a
b. Unamortized discounts____________________________________________________5517. . 0 7.b
8. To be completed by banks with "Oakar deposits."
Total "Adjusted Attributable Deposits" of all institutions acquired under
Section 5(d)(3) of the Federal Deposit Insurance Act (from most recent FDIC
Oakar Transaction Worksheet(s))_____________________________________________5518. . 0 8.
9. Deposits in lifeline accounts_______________________________________________ . . . . . . . . . . . . 9.
10. Benefit-responsive "Depository Institution Investment Contracts" (included
in total deposits)__________________________________________________________8432. . 0 10.
</TABLE>
- ---------------------
(1) For FDIC insurance assessment purposes, "time and savings deposits" consists
of nontransaction accounts and all transaction accounts other than demand
deposits.
<PAGE>
Schedule RC-O - Continued
<TABLE>
<CAPTION>
Dollar Amounts in Thousands
- ------------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C> <C>
11. Adjustments to demand deposits reported in Schedule RC-E for certain reciprocal
demand balances:
a. Amount by which demand deposits would be reduced if reciprocal demand balances
between the reported bank and savings associations were reported on a net basis RCON
----
rather than a gross basis in schedule RC-E________________________________________8785 0 11.a
b. Amount by which demand deposits would be increased if reciprocal demand balances
between the reporting bank and U.S. branches and agencies of foreign banks were
reported on a gross basis rather than a net basis in Schedule RC-E________________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 net reciprocal demand balances
between the reporting bank and the domestic offices of U.S. banks and savings
associations in Schedule RC-E_____________________________________________________A182 0 11.c
<CAPTION>
Memoranda
(To be completed each quarter except as noted) Dollar Amounts in Thousands
- ------------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C> <C>
1. Total deposits of the bank
(sum of Memorandum items 1.a.(1) and 1.B (1) must equal Schedule RC, item 13.a):
a. Deposit accounts of $100,000 or less: RCON
----
(1) Amount of deposit accounts of $ 100,000 or less_______________________________2702 0 M.1.a1
(2) Number of deposit accounts of $ 100,000 or less RCON Number
---- ------
(to be completed for the June report only)______3779. . 0 . . . . . M.1.a2
b. Deposit accounts of more than $ 100,000:
(1) Amount of deposit accounts of more than $ 100,000_____________________________2710. . 0 M.1.b1
(2) Number of deposit accounts of more than RCON Number
---- ------
$ 100,000_______________________________________2722. . 0 . . . . . M.1.b2
2. Estimated amount of uninsured deposits of the bank:
a. An estimate of your bank's uninsured deposits can be determined by multiplying the number of
deposit accounts of more than $ 100,000 reported in Memorandum item 1.b.(2) above by $ 100,000
and subtracting the result from the amount of deposit accounts of more than $ 100,000 reported in Memorandum
item 1.b.(1) above.
Indicate in the appropriate box at right whether your bank has a method
or procedure for determining a better estimate of
uninsured deposits than the estimate RCON YES NO
---- --- -- M.2.a
described above___________________________________________________________________6861. . X
b. If the box marked YES has been checked, report the estimate of uninsured deposits
determined by using your bank's method or procedure_______________________________5597. . N/A M.2.b
</TABLE>
<PAGE>
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, 1995,
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.
1. Test for determining the extent to which Schedule RC-R
must be completed. To be completed only by banks with
total assets of less than $1 billion. Indicate in the
appropriate box at the right whether the bank RCON YES NO C280
has total capital greater than or equal ---- --- -- ----
to eight percent of adjusted total assets__________6056 X 1.
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.
<TABLE>
<CAPTION>
Dollar Amounts in Thousands
- ------------------------------------------------------------------------------------------------------------------------------------
-----------------------------------------------------------
NOTE: All banks are required to complete (Column A) (Column B)
items 2 and 3 below. See optional worksheet Subordinated Debt (1) and
for items 3.a through 3.f. Intermediate Term Other Limited-Life
Preferred Stock Capital Instruments
------------------------- ------------------------
2. Subordinated debt (1) and other Limited-Life capital
instruments (original weighted average maturity of at
least five years) with a remaining maturity of: RCON RCON
---- ----
<S> <C> <C> <C> <C> <C>
a. One year or less__________________________________________3780. . 0 3786. . 0 2.a
b. Over one year through two years___________________________3781. . 0 3787. . 0 2.b
c. Over two years through three years________________________3782. . 0 3788. . 0 2.c
d. Over three years through four years_______________________3783. . 0 3789. . 0 2.d
e. Over four years through five years________________________3784. . 0 3790. . 0 2.e
f. Over five years___________________________________________3785. . 0 3791. . 0 2.f
<CAPTION>
3. Amounts used in calculating regulatory capital ratios (report amounts
determined by the bank for its own internal regulatory capital analyses):
<S> <C> <C> <C>
a. Tier 1 capital_______________________________________________________________________________8274. . 40,058 3.a
b. Tier 2 capital_______________________________________________________________________________8275. . 0 3.b
c. Total risk-based capital_____________________________________________________________________3792. . 40,058 3.c
d. Excess allowance for Loan and Lease Losses___________________________________________________A222. . 0 3.d
e. Risk-weighted assets_________________________________________________________________________A223. . 21,611 3.e
f. Average total assets_________________________________________________________________________A224. . 53,571 3.f
Items 4-9 and Memoranda items 1 and 2 are to be completed
by banks that answered NO to items 1 above and by banks
with total assets of $1 billion or more.
<CAPTION>
----------------------------------------------------------------
(Column A) (Column B)
Assets Recorded on the Credit Equivalent Amount
Balance Sheet of Off-Balance Sheet Items (2)
------------------------ ------------------------------------
<S> <C> <C> <C> <C>
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:
(1) Securities issued by, other claims on, and
claims unconditionally guaranteed by, the U.S.
Government and its agencies and other DECD RCON RCON
---- ----
central governments___________________________________3794. . 259 . . . . . . . . . 4.a.1
(2) All other_____________________________________________3795. . 3,818 . . . . . . . . . 4.a.2
b. Credit equivalent amount of off-balance sheet items . . . . . . . 3796. . N/A 4.b
</TABLE>
- --------------
(1) Exclude mandatory convertible debt reported in Schedule RC-M, item 7.
(2) Do not report in column B the risk-weighted amount of assets reported in
column A.
<PAGE>
Schedule RC-R - Continued
<TABLE>
<CAPTION>
Dollar Amounts in Thousands
- ------------------------------------------------------------------------------------------------------------------------------------
-----------------------------------------------------------------
(Column A) (Column B)
Assets Recorded on the Credit Equivalent Amount
Balance Sheet of off-Balance Sheet Items (1)
----------------------------- ------------------------------
<S> <C> <C> <C> <C> <C>
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:
(1) Claims conditionally guaranteed by the U.S.
Government and its agencies and other OECD RCON RCON
---- ----
central governments______________________________3798. . N/A . . . . . . . . 5.a.1
(2) Claims collateralized by securities issued by
the U.S. Government and its agencies and other
OECD central governments; by securities issued
by U.S. Government-sponsored agencies; and by
cash on deposit__________________________________3799. . N/A . . . . . . . . 5.a.2
(3) All other________________________________________3800. . 46,480 . . . . . . . . 5.a.3
b. Credit equivalent amount of off-balance sheet items__ . . . . . . . . 3801. . N/A 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. . N/A . . . . . . . . 6.a
b. Credit equivalent amount of off-balance sheet items__ . . . . . . . . 3803. . N/A 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. . 95,643 . . . . . . . . 7.a
b. Credit equivalent amount of off-balance sheet items__ . . . . . . . . 3805. . N/A 7.b
8. On-balance sheet asset values excluded from the
calculation of the risk-based capital ratio(2)__________3806. . N/A . . . . . . . . 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. . 146,200 . . . . . . . . 9.
</TABLE>
<TABLE>
<CAPTION>
Memoranda
Dollar Amounts in Thousands
- ------------------------------------------------------------------------------------------------------------------------------------
1. Current credit exposure across all off-balance sheet derivative contracts covered by RCON
----
the risk-based capital standards_______________________________________________________ 8764. . N/A M.1.
------------------------------With a remaining maturity of -------------------------
(Column A) (Column B) (Column C)
Over one year
One year or less through five years Over five years
-------------------------- -------------------------- ------------------------------
<S> <C> <C> <C> <C> <C> <C> <C>
2. Notional principal amounts of off-balance
sheet derivative contracts:(3) RCON RCON RCON
---- ---- ----
a. Interest rate contracts__________________3809. . N/A 8766. . N/A 8767. . N/A M.2a
b. Foreign exchange contracts_______________3812. . N/A 8769. . N/A 8770. . N/A M.2b
c. Gold contracts___________________________8771. . N/A 8772. . N/A 8773. . N/A M.2c
d. Other precious metals contracts__________8774. . N/A 8775. . N/A 8776. . N/A M.2d
e. Other commodity contracts________________8777. . N/A 8778. . N/A 8779. . N/A M.2e
f. Equity derivative contracts______________A000. . N/A A001. . N/A A002. . N/A M.2f
- -----------
</TABLE>
(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 securities in item 8 and report the amortized cost of
these securities in items 4 through 7 above. 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.
future contracts) not subject to risk-based capital. Exclude from item 8
margin accounts and accrued receivables 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.
<PAGE>
Optional Narrative Statement Concerning the Amounts
Reported in the Reports of Condition and Income
at close of business on June 30, 1996
FIRST TRUST OF CALIFORNIA, N.A. SAN FRANCISCO CA
- ------------------------------------------- -------------------------- -------
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.
- --------------------------------------------------------------------------------
C271 C272
No comment: X (RCON 6979)
BANK MANAGEMENT STATEMENT (please type or print clearly) (TEXT 6980):
-------------------------------------- -----------------
Signature of Executive Officer of Bank Date of Signature
<PAGE>
[LETTERHEAD APPEARS HERE]
THIS PAGE IS TO BE COMPLETED BY ALL BANKS
- --------------------------------------------------------------------------------
OMB No. For OCC: 1557-0081
OMB No. For FDIC: 3064-0052
OMB No. For Federal Reserve: 7100-0036
Expiration Date: 03/31/99
SPECIAL REPORT
(Dollar Amounts in Thousands)
CLOSE OF BUSINESS DATE: FDIC Certificate Number:
June 30, 1996 33626 C700 -
- --------------------------------------------------------------------------------
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 its executive officers made since the date of the
previous Report of Condition. Data regarding individual loans or other
extensions of credit are not required. If no such loans or other extensions of
credit were made during the period, insert "none" against subitem (a). (Exclude
the first $15,000 of indebtedness of each executive officer under bank credit
card plan.) See Sections 215.2 and 215.3 of Title 12 of the Code of Federal
Regulations (Federal Reserve Board Regulation O) for the definitions of
"executive officer" and "extension of credit," respectively. Exclude loans and
other extensions of credit to directors and principal shareholders who are not
executive officers.
- --------------------------------------------------------------------------------
<TABLE>
<S> <C> <C> <C>
RCOM
----
a. Number of loans made to executive officers since the previous Call Report date_3561.. NONE a.
b. Total dollar amount of above loans (in thousands of dollars)...................3562.. 0 b.
c. Range of interest charged on above loans (example: 9-3/6% = 9.75%)........7701/7702.. 0.00% to 0.00% c.
</TABLE>
- -------------------------------------------------------------------------------
SIGNATURE AND TITLE OF OFFICER AUTHORIZED TO SIGN REPORT:
DATE (Month, Day, Year):
- -------------------------------------------------------------------------------
NAME AND TITLE OF PERSON TO WHOM INQUIRIES MAY BE DIRECTED: (TEXT 8903)
---------------------------------------------
AREA CODE/PHONE NUMBER/EXTENSION: (TEXT 8904)
(612) 973-3306
Diane F Hamernik, Accountant
- -------------------------------------------------------------------------------
FDIC 8040/53 (6-95)
