<PAGE>
Registration No. 333-8929
- --------------------------------------------------------------------------------
- --------------------------------------------------------------------------------
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
_____________________________
FORM T-1
STATEMENT OF ELIGIBILITY
UNDER THE TRUST INDENTURE ACT OF 1939 OF A
CORPORATION DESIGNATED TO ACT AS TRUSTEE
_____________________________
XX CHECK IF AN APPLICATION TO DETERMINE ELIGIBILITY OF A TRUSTEE PURSUANT TO
SECTION 305(b) (2)
NORWEST BANK MINNESOTA, NATIONAL ASSOCIATION
(Exact name of trustee as specified in its charter)
A NATIONAL BANKING ASSOCIATION 41-1592157
(Jurisdiction of incorporation or (I.R.S. Employer
organization if not a U.S. national Identification No.)
bank)
SIXTH STREET AND MARQUETTE AVENUE
Minneapolis, Minnesota 55479
(Address of principal executive offices) (Zip code)
_____________________________
UNION FINANCIAL SERVICES-1, INC.
(Exact name of obligor as specified in its charter)
NEVADA 86-0817755
(State or other jurisdiction of (I.R.S. Employer
incorporation or organization) Identification No.)
6991 EAST CAMELBACK ROAD
SUITE B-290
SCOTTSDALE, ARIZONA 85251
(Address of principal executive offices) (Zip code)
_____________________________
TAXABLE STUDENT LOAN ASSET-BACKED NOTES
(Title of the indenture securities)
- --------------------------------------------------------------------------------
- --------------------------------------------------------------------------------
<PAGE>
Item 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
Treasury Department
Washington, D.C.
Federal Deposit Insurance Corporation
Washington, D.C.
The Board of Governors of the Federal Reserve System
Washington, D.C.
(b) Whether it is authorized to exercise corporate trust powers.
The trustee is authorized to exercise corporate trust
powers.
Item 2. AFFILIATIONS WITH OBLIGOR. If the obligor is an affiliate of the
trustee, describe each such affiliation.
None with respect to the trustee.
No responses are included for Items 3-15 of this Form T-1 because the obligor is
not in default as provided under Item 13.
Item 16. LIST OF EXHIBITS. List below all exhibits filed as a part of this
Statement of Eligibility. Norwest Bank
incorporates by reference into this Form T-1
the exhibits attached hereto.
Exhibit 1. a. A copy of Articles of Association of the trustee
now in effect. *
Exhibit 2. a. A copy of the certificate of authority of the
trustee to commence business issued June 28,
1872, by the Comptroller of the Currency to The
Northwestern National Bank of Minneapolis.*
b. A copy of the certificate of the Comptroller of
the Currency dated January 2, 1934, approving
the consolidation of the Northwestern National
Bank of Minneapolis and the Minnesota Loan and
Trust Company of Minneapolis.*
c. A copy of the certificate of the Acting
Comptroller of the Currency dated January 12,
1943, as to change of corporate title of
Northwestern National Bank and Trust Company of
Minneapolis to Northwestern National Bank of
Minneapolis.*
d. A copy of the certificate of the Comptroller of
the Currency dated May 1, 1983, authorizing
Norwest Bank Minneapolis, National Association,
to act as fiduciary.*
<PAGE>
Exhibit 3. A copy of the authorization of the trustee to exercise
corporate trust powers issued January 2, 1934, by the
Federal Reserve Board.*
Exhibit 4. Copy of By-laws of the trustee as now in effect.*
Exhibit 5. Not applicable.
Exhibit 6. The consent of the trustee required by Section 321(b) of
the Act.
Exhibit 7. A copy of the latest report of condition of the trustee
published pursuant to law or the requirements of its
supervising or examining authority.
Exhibit 8. A copy of the certificate dated May 10, 1983 of name
change from Northwestern National Bank Minneapolis to
Norwest Bank Minneapolis, National Association.*
Exhibit 9. A copy of the certificate dated January 11, 1988, of name
change from Norwest Bank Minneapolis, National Association
to Norwest Bank Minnesota, National Association.*
* Incorporated by reference to the exhibit of the same number filed with the
registration statement number 33-66086.
<PAGE>
SIGNATURE
Pursuant to the requirements of the Trust Indenture Act of 1939, as amended, the
trustee, Norwest Bank Minnesota, National Association, a national banking
association organized and existing under the laws of the United States of
America, has duly caused this statement of eligibility to be signed on its
behalf by the undersigned, thereunto duly authorized, all in the City of
Minneapolis and State of Minnesota on the 11th day of September, 1996.
NORWEST BANK MINNESOTA,
NATIONAL ASSOCIATION
/s/ Roxanne Rouleau
---------------------------
Roxanne Rouleau
Assistant Vice President
<PAGE>
EXHIBIT 6
September 11, 1996
Securities and Exchange Commission
Washington, D.C. 20549
Gentlemen:
In accordance with Section 321 (b) of the Trust Indenture Act of 1939, as
amended, the undersigned hereby consents that reports of examination of the
undersigned made by Federal or State authorities authorized to make such
examination may be furnished by such authorities to the Securities and Exchange
Commission upon its request therefor.
Very truly yours,
NORWEST BANK MINNESOTA,
NATIONAL ASSOCIATION
Roxanne Rouleau
Assistant Vice President
<PAGE>
EXHIBIT 7
Boards of Governors of the
Federal Reserve System
OMB Number 7100-0036
Deposit Insurance Corporation
OMB Number: 3064-0052
Office of the Comptroller
of the Currency
OMB NUMBER; 1557-0081
Expires March 31. 1999
FEDERAL FINANCIAL INSTITUTIONS EXAMINATION COUNCIL
- -------------------------------------------------------------------------------
Please refer to page 1.
Table of Contents, for [1]
the required disclosure
of estimated burden.
- -------------------------------------------------------------------------------
CONSOLIDATED REPORTS OF CONDITION AND INCOME FOR
A BANK WITH DOMESTIC AND FOREIGN OFFICES-FFIEC 031
REPORT AT THE CLOSE OF BUSINESS MARCH 31, 1996 (960331)
----------
(PCR 9999)
This report is required by law: 12 U.S.C. Section 324 (State member banks);
12 U.S.C. Section 1817 (State nonmember banks); and 12 U.S.C. Section 161
(National banks).
This report form is to be filed by 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.
- -------------------------------------------------------------------------------
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, Mark P. Wagener, Director of Bank & Service Accounting
- --------------------------------------------------------
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/ Mark P. Wagener
- ---------------------------------------------------------
Signature of Officer Authorized to Sign Report
4/26/96
- ---------------------------------------------------------
Date of Signature
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 regulatory authority and is true and correct.
/s/ SCOTT KISTING
- ---------------------------------------------------------
Director (Trustee)
/s/ JAMES CAMPBELL
- ---------------------------------------------------------
Director (Trustee)
/s/ WILLIAM QUEENAN
- ---------------------------------------------------------
Director (Trustee)
- --------------------------------------------------------------------------------
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.
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.
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<TABLE>
<S> <C> <C>
__ __
| |
FDIC Certificate Number [01 51 21 01 8] Banks should affix the address label
--------------- in this space.
(PCR 9999) NORTHWEST BANK MINNESOTA, NATIONAL ASSN.
-------------------------------------------
Legal Title of Bank
MINNEAPOLIS
-------------------------------------------
City
MN 55479-0016
-------------------------------------------
State Abbrev. ZIP Code
|__ __|
</TABLE>
Board of Governors of the Federal Reserve System, Federal Deposit Insurance
Corporation, Office of the Comptroller of the Currency
<PAGE>
[2]
CONSOLIDATED REPORTS OF CONDITION AND INCOME FOR A BANK WITH DOMESTIC AND
FOREIGN OFFICES
- -------------------------------------------------------------------------------
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-4
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-D--income from
International Operations.................................... RI-6
Schedule RI-E--Explanations................................. RI-7, 8
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 the 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. 20425
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-3, 4, 5
Schedule RC-C--Loans and Lease Financing
Receivables:
Part 1. Loans and Leases......................................... RC-6, 7
Part 11. Loans to Small Businesses and
Small Farms (included in the forms for
June 30 only).............................................. RC-7a, 7b
Schedule RC-D--Trading Assets and Liabilities
(to be completed only by selected banks)............................ RC-8
Schedule RC-E--Deposit Liabilities............................. RC-9, 10, 11
Schedule RC-F--Other Assets........................................... RC-11
Schedule RC-G--Other Liabilities...................................... RC-11
Schedule RC-H--Selected Balance Sheet Items
for Domestic Offices............................................... RC-12
Schedule RC-I--Selected Assets and Liabilities
of IBFs............................................................ RC-13
Schedule RC-K--Quarterly Averages..................................... RC-13
Schedule RC-L--Off-Balance Sheet
Items...................................................... RC-14, 15, 16
Schedule RC-M--Memoranda.......................................... RC-17, 18
Schedule RC-N--Past Due and Nonaccrual
Loans, Leases, and Other Assets............................... RC-19, 20
Schedule RC-0--Other Data for Deposit
Insurance Assessments........................................... RC-21, 22
Schedule RC-R--Regulatory Capital................................. RC-23, 24
Optional Narrative Statement Concerning
the Amounts Reported in the Reports
of Condition and Income............................................. RC-25
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>
[3]
Norwest Bank Minnesota, N.A.
Sixth Street and Marquette Avenue Vendor ID: D CERT: 05208
Minneapolis, MN 55479
Transit Number: 91000019
CONSOLIDATED REPORT OF INCOME
FOR THE PERIOD JANUARY 1, 1996 - MARCH 31, 1996
ALL Report of Income schedules are to be reported on a calendar year-to-date
basis in thousands of dollars.
SCHEDULE RI - INCOME STATEMENT
<TABLE>
<CAPTION>
<S> <C> <C> <C>
I480 (-
Dollar Amounts in Thousands
- -------------------------------------------------------------------------------------------------------------------------
1. Interest income:
a. Interest and fee income on loans:
(1) In domestic offices: RIAD
----
(a) Loans secured by real estate_________________________________________________4011.. 79,875 1.a.1a
(b) Loans to depository institutions_____________________________________________4019.. 4,266 1.a.1b
(c) Loans to finance agricuitural production and other loans to farmers__________4024.. 286 1.a.1c
(d) Commercial and industrial Loans______________________________________________4012.. 73,340 1.a.1d
(e) Acceptances of other banks___________________________________________________4026.. 88 1.a.le
(f) Loans to individuals for household, family, and other personal expenditures:
(1) Credit cards and related plans__________________________________________4054.. 5,750 1.a.1f1
(2) Other___________________________________________________________________4055.. 14,502 1.a.1f2
(g) Loans to foreign goverments and official institutions_______________________4056.. 0 1.a.1g
(h) Obligations (other than securities and leases) of states and
political subdivisions in the U.S.:
(1) Tax-exempt obligations__________________________________________________ 4503.. 3 1.a.1h1
(2) Tax-exempt obligations _________________________________________________ 4504.. 482 1.a.1h2
(i) All other loans in domestic offices__________________________________________ 4058.. 282 1.a.1i
(2) In foreign offices, Edge and Agreement subsidiaries, and IBFs _____________________4059.. 2,421 1.a.2
b. Income from lease financing receivables:
(1) TaxabLe leases_____________________________________________________________________4505.. 9,744 1.b.1
(2) Tax-exempt leases__________________________________________________________________4307.. 98 1.b.2
c. Interest income on balances due from depository institutions:(1)
(1) In domestic offices _______________________________________________________________4105.. 49 1.c.1
(2) In foreign offices, Edge and Agreement subsidiaries, and IBFs______________________4106. 29 1.c.2
d. Interest and dividend income on securities:
(1) U.S. Treasury securities and U.S. Government agency and corporation
obligations_______________________________________________________________________4027. 17,391 1.d.1
(2) Securities issued by states and political subdivisions in the U.S.:
(a) Taxable securities_____________________________________________________________4506.. 28 1.d.2a
(b) Tax-exempt securities__________________________________________________________4507.. 1,735 1.d.2b
(3) Other domestic debt securities____________________________________________________3657.. 401 1.d.3
(4) Foreign debt securities___________________________________________________________3658. 0 1.d.4
(5) Equity securities (including investments in mutual funds)_________________________3659. 4,542 1.d.5
e. Interest income from trading assets___________________________________________________4069. 2,107 1.e
</TABLE>
_______________________
(1) Includes interest income on time certificates of deposit not held for
trading.
<PAGE>
Norwest Bank Minnesota, N.A. Call Date: 03/31/96 ST-SK: 27-4095 FFIEC 031
Sixth Street and Marquette Avenue Page RI- 2
Minneapolis, MN 55479 Vendor ID: D CERT:05208
4
Transit Number: 91000019
<TABLE>
<CAPTION>
Schedule RI - Continued
Dollar Amounts in Thousands
- -------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C>
1. Interest income (continued)
f. Interest income on federal funds sold and securities purchased
under agreements to resell in domestic offices of the bank RIAD Year-to-date
---- ------------
and of its Edge and Agreement subsidiaries, and in IBFs 4020.. 64,777 . . . . . 1.f
g. Total interest income (sum of item l.a through l.f) 4107.. 282,196 . . . . . 1.g
2. Interest expense:
a. Interest on deposits:
(1) Interest on deposits in domestic offices:
(a) Transaction accounts (NOW accounts,
ATS accounts, and telephone and preauthorized
transfer accounts)______________________________ 4508.. 2,844 . . . . . 2.a.1a
(b) Nontransaction accounts:
(1) Money market deposit accounts (MMDAs)_______ 4509.. 10,380 . . . . . 2.a.1b1
(2) Other savings deposits______________________ 4511.. 1,696 . . . . . 2.a.1b2
(3) Time certificates of deposit of $100,000 or
more ______ 4174.. 2,732 . . . . . 2.a.1b3
(4) All other time deposits______________________ 4512.. 25,437 . . . . . 2.a.1b4
(2) Interest on deposits in foreign offices, Edge and
Agreement subsidiaries, and IBFs_______________________ 4172.. 7,688 . . . . . 2.a.2
b. Expense of federal funds purchased and securities sold under
agreements to repurchase in domestic offices of one bank and
of its Edge and Agreement subsidiaries, and in IBFs_________ 4180.. 62,237 . . . . . 2.b
c. Interest on demand notes issued to the U.S. Treasury, trading
liabilities, and other borrowed money_______________________ 4185.. 36,716 . . . . . 2.c
d. Interest on mortgage indebtedness and obligations under
capitalized leases__________________________________________ 4072.. 26 . . . . . 2.d
e. Interest on subordinated notes and debentures_______________ 4200.. 2,466 . . . . . 2.e
f. Total interest expense (sum of items 2.a through 2.e)_______ 4073.. 152,222 . . . . . 2.f
3. Net interest income (item l.g minus 2.f)_________________________ 4074.. . . . . . 129,974 3.
4. Provisions:
a. Provision for loan and lease losses_________________________ 4230.. . . . . . 4,762 4.a
b. Provision for allocated transfer risk_______________________ 4243.. . . . . . 0 4.b
5. Noninterest income:
a. Income from fiduciary activities____________________________ 4070.. 43,257 . . . . . 5.a
b. Service charges on deposit accounts in domestic offices_____ 4080.. 19,037 . . . . . 5.b
c. Trading revenue (must equal Schedule RI, sum of Memorandum
items 8.a through 8.d)______________________________________ A220.. (20,258) . . . . . 5.c
d. Other foreign transaction gains (losses)____________________ 4076.. 547 . . . . . 5.d
e. Not applicable
f. Other noninterest income:
(1) Other fee income_______________________________________ 5407.. 30,637 . . . . . 5.f.1
(2) All other noninterest income*__________________________ 5408.. 16,211 . . . . . 5.f.2
g. Total noninterest income (sum of item 5.a through 5.f)______ 4079.. . . . . . 89,43l 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.. . . . . . 6,666 6.b
7. Noninterest expense:
a. Salaries and employee benefits_______________________________ 4135.. 76,555 . . . . . 7.a
b. Expenses of premises and fixed assets (net of rental income)
(excluding salaries and employee benefits and mortgage
interest)____________________________________________________ 4217.. 19,505 . . . . . 7.b
c. Other noninterest expense*___________________________________ 4092.. 75,737 . . . . . 7.c
d. Total noninterest expense (sum of item 7.a through 7.c)______ 4093.. . . . . . 171,797 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.. . . . . . 49,512 8.
9. Applicable income taxes (on item 8)________________________________ 4302.. . . . . . 16,869 9.
10. Income (loss) before extraordinary items and other adjustments
(item 8 minus 9)___________________________________________________ 4300.. . . . . . 32,643 10.
</TABLE>
- -----------------
* Describe on schedule RI-E - Explanations.
<PAGE>
Norwest Bank Minnesota, N.A. Call Date: 03/31/96 ST-SK: 27-4095 FFIEC 031
Sixth Street and Marquette Avenue Page RI- 3
Minneapolis, MN 55479 Vendor ID: D CERT:05208
5
Transit Number: 91000019
Schedule RI - Continued
<TABLE>
<CAPTION>
Dollar Amounts in Thousands
- -------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C>
11. Extraordinary items and other adjustments:
a. Extraordinary items and other adjustments, gross of income RIAD Year-to-date
---- ------------
taxes *_______________________________________________________ 4310.. 0 . . . . . 11.a
b. Applicable income taxes (on item ll.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 ll.c)_______________________ 4340.. . . . . . 32,643 12.
</TABLE>
<TABLE>
<CAPTION>
Memoranda
I481 (-
Dollar Amounts in Thousands
- -------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C>
1. Interest expense incurred to carry tax-exempt securities, loans, RIAD Year-to-date
and leases acquired after August 7, 1986, that is not deductible ---- ------------
for federal income tax purposes____________________________________ 4513.. 2 M.1
2. Income from the sale and servicing of mutual funds and annuities in
domestic offices (included in schedule RI, item 8)_________________ 8431.. 496 M.2
3. Not applicable
4. Not applicable
Number
5. Number of full-time equivalent employees on payroll at end of -------
current period (round to nearest whole number)_____________________ 4150.. 5,607 M.5
6. Not applicable.
7. If the reporting bank has restated its balance sheet as a result of MM DD YY
applying push down accounting this calendar year, report the date
of the bank's acquisition__________________________________________ 9106.. N/A M.7
8. Trading revenue (from cash instruments and off-balance sheet
derivative instruments) (Sum of Memorandum items 8.a through 8.d
must equal Schedule RI, item 5.c): RIAD Year-to-date
---- ------------
a. Interest rate exposures_______________________________________ 8757.. (22,362) M.8.a
b. Foreign exchange exposures____________________________________ 8758.. 2,104 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.. (89) M.9.a
b. Net (increase) decrease to interest expense___________________ 8762.. (4,918) M.9.b
c. Other (noninterest) allocations_______________________________ 8763.. 0 M.9.c
10. Credit losses on off-balance sheet derivatives (see instructions)__ A251.. 0 M.10
</TABLE>
- ----------------
* Describe on Schedule RI-E - Explanations.
<PAGE>
Norwest Bank Minnesota, N.A. Call Date: 03/31/96 ST-SK: 27-4095 FFIEC 031
Sixth Street and Marquette Avenue Page RI- 4
Minneapolis, MN 55479 Vendor ID: D CERT:05208
6
Transit Number: 91000019
Schedule RI-A - Changes in Equity Capital
<TABLE>
<CAPTION>
Indicate decreases and losses in parentheses.
I483 (-
Dollar Amounts in Thousands
- -------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C>
1. Total equity capital originally reported in the December 31, 1995, RIAD
----
Reports of Condition and Income____________________________________ 3215.. 1,125,067 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.. 1,125,067 3.
4. Net income (loss) (must equal Schedule RI, item 12)________________ 4340.. 32,643 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.
B. LESS: Cash dividends declared on common stock______________________ 4460.. 15,000 8.
9. Cumulative effect of changes in accounting principles from prior years*
(see instructions for this schedule)_______________________________ 4411.. 0 9.
10. Corrections of material accounting errors from prior years * (see
instructions for this schedule)____________________________________ 4412.. 0 10.
11. Change in net unrealized holding gains (losses) on available-for-
sale securities____________________________________________________ 8433.. (7,513) 11.
12. Foreign currency translation adjustments___________________________ 4414.. 2 12.
13. Other transactions with parent holding company * (not included
in items 5, 7, or 8 above)_________________________________________ 4415.. 0 13.
14. Total equity capital end of current period (sum of items 3 through
13) (must equal Schedule RC, item 28)______________________________ 3210.. 1,135,199 14.
</TABLE>
- ------------------
* Describe on Schedule RI-E - Explanations.
Schedule RI-B - Charge-offs and Recoveries and Changes in Allowance
for Loan and Lease Losses
Part I. Charge-offs and Recoveries on Loans and Leases
<TABLE>
<CAPTION>
Part I excludes charge-offs and recoveries through the allocated transfer risk reserve.
I486 (-
Dollar Amounts in Thousands
- ------------------------------------------------------------------------------------------------------------------------------------
------------ calendar year-to-date -----------
(Column A) (Column B)
Charge-offs Recoveries
---------------------- -----------------
<S> <C> <C> <C> <C> <C>
RIAD RIAD
1. Loans secured by real estate: ---- ----
a. To U.S. addressees (domicile)_________________________________ 4651.. 380 4661.. 889 1.a
b. To non-U.S. addressees (domicile)_____________________________ 4652.. 0 4662.. 0 1.b
2. Loans to depository institutions and acceptances of other banks:
a. To U.S. banks and other U.S. depository
institutions__________________________________________________ 4653.. 0 4663.. 0 2.a
b. To foreign banks______________________________________________ 4654.. 0 4664.. 0 2.b
3. Loans to finance agricultural production and other
loans to farmers___________________________________________________ 4655.. 0 4665.. 3 3.
4. Commercial and industrial loans:
a. To U.S. addressees (domicile)_________________________________ 4645.. 4,637 4617.. 1,291 4.a
b. To non-U.S. addressees (domicile)_____________________________ 4646.. 0 4618.. 181 4.b
5. Loans to individuals for household, family, and other personal
expenditures:
a. Credit cards and related plans________________________________ 4656.. 360 4666.. 59 5.a
b. Other (includes single payment, installment, and
all student loans)_________________________________________________ 4657.. 1,711 4667.. 587 5.b
6. Loans to foreign governments and official institutions_____________ 4643.. 344 4627.. 63 6.
7. All other loans____________________________________________________ 4644.. 0 4628.. 0 7.
8. Lease financing receivables:
a. Of U.S. addressees (domicile)_________________________________ 4658.. 545 4668.. 229 8.a
b. Of non-U.S. addressees (domicile)_____________________________ 4659.. 0 4669.. 0 8.b
9. Total (sum of items 1 through 8)___________________________________ 4635.. 7,977 4605.. 3,302 9.
</TABLE>
<PAGE>
Norwest Bank Minnesota, N.A. Call Date: 3/31/96 ST-BK 27-4095 FFIEC 031
Sixth Street and Marquette Avenue Page RI- 5
Minneapolis, MN 55479 Vendor ID: D CERT: 05208
7
Transit Number: 91000019
Schedule RI-B - Continued
Part I. Continued
Memoranda
<TABLE>
<CAPTION>
Dollar Amounts in Thousands
- -------------------------------------------------------------------------------------------------------------------
--------calendar year-to-date-------
------------------------------------
(Column A) (Column B)
Charge-offs Recoveries
----------------- --------------
<S> <C> <C>
1.-3. Not applicable.
RIAD RIAD
---- ----
4. Loans to finance commercial real estate, construction,
and land development activities (not secured by real
estate) included in Schedule RI-3, part I,
items 4 and 7, above__________________________________________________5409. . 0 5410. . 0 M.4
5. Loans secured by real estate in domestic offices
(included in Schedule RI-3, part I, item 1, above):
a. Construction and land development__________________________________3582. . 0 3583. . 0 M.5.a
b. Secured by farmland________________________________________________3584. . 0 3585. . 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__________________________________________5411. . 0 5412. . 0 M.5.c1
(2) All other loans secured by 1-4 family
residential properties_________________________________________5413. . 303 5414. . 98 M.5.c2
d. Secured by multifamily (5 or more) residential
properties_________________________________________________________3588. . 0 3589. . 0 M.5.d
e. Secured by nonfarm nonresidential properties_______________________3590. . 77 3591. . 791 M.5.e
</TABLE>
Part II. Changes in Allowance for Loan and Lease Losses
<TABLE>
<CAPTION>
Dollar Amounts in Thousands
- -------------------------------------------------------------------------------------------------------------------
<S> <C>
RIAD
----
1. Balance originally reported in the December 31, 1995, Reports of Condition and income_3124. . 187,020 1.
2. Recoveries (must equal part I, item 9, column B above)________________________________4605. . 3,302 2.
3. LESS: Charge-offs (must equal part O, item 9, column A above)_________________________4635. . 7,977 3.
4. Provision for loan and lease losses (must equal Schedule RI, item 4.a)________________4230. . 4,762 4.
5. Adjustments * (see instructions for this schedule)____________________________________4815. . (2) 5.
6. Balance end of current period (sum of items 1 through 5) (must equal Schedule RC,
item 4.b)_____________________________________________________________________________3123. . 187,105 6.
</TABLE>
- --------------
* Describe on Schedule RI-E - Explanations.
Schedule RI-C - Applicable Income Taxes by Taxing Authority
<TABLE>
<CAPTION>
I489 (-
Schedule RI-C is to be reported with the December Report of income Dollar Amounts in Thousands
- -------------------------------------------------------------------------------------------------------------------
RIAD
----
<S> <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>
<PAGE>
Norwest Bank Minnesota, N.A. Call Date: 3/31/96 ST-BK 27-4095 FFIEC 031
Sixth Street and Marquette Avenue Page RI- 6
Minneapolis, MN 55479 Vendor ID: D CERT: 05208
8
Transit Number: 91000019
Schedule RI-D - Income from International Operations
For all banks with foreign offices, Edge or Agreement subsidiaries, or IBFs
where international operations account for more than 10 percent of total
revenues, total assets, or net income.
Part I. Estimated Income from International Operations
<TABLE>
<CAPTION>
I492 (-
Dollar Amounts in Thousands
- -------------------------------------------------------------------------------------------------------------------
<S> <C> <C>
RIAD Year-to-date
----
1. Interest income and expense boxed at foreign offices, Edge and Agreement
subsidiaries, and IBFs:
a. Interest income booked____________________________________________________________4837. . N/A 1.a
b. Interest expense booked___________________________________________________________4838. . N/A 1.b
c. Net interest income booked at foreign offices, Edge and Agreement subsidiaries,
and IBFs (item 1.a minus 1.b)_____________________________________________________4839. . N/A 1.c
2. Adjustments for booking location of internaticnal operations:
a. Net interest income attributable to international operations booked at
domestic offices__________________________________________________________________4840. . N/A 2.a
b. Net interest income attributable to domestic business booked at foreign
offices___________________________________________________________________________4841. . N/A 2.b
c. Net booking location adjustment (item 2.a minus 2.b)______________________________4842. . N/A 2.c
3. Noninterest income and expense attributable to international operations:
a. Noninterest income attributable to international operations_______________________4097. . N/A 3.a
b. Provision for loan and lease losses attributable to international
operations________________________________________________________________________4235. . N/A 3.b
c. Other noninterest expense attributable to international operations________________4239. . N/A 3.c
d. Net noninterest income (expense) attributable to international
operations (item 3.a minus 3.b and 3.c)___________________________________________4843. . N/A 3.d
4. Estimated pretax income attributable to international operations before capital
allocation adjustment (sum of items 1.c, 2.c, and 3.d)_______________________________4844. . N/A 4.
5. Adjustment to pretax income for internal allocations to international operations
to reflect the effects of equity capital on overall bank funding costs_______________4845. . N/A 5.
6. Estimated pretax income attributable to international operations after capital
allocation adjustment (sum of items 4 and 5)_________________________________________4846. . N/A 6.
7. Income taxes attributable to income from international operations as estimated in
item 6_______________________________________________________________________________4797. . N/A 7.
8. Estimated net income attributable to international operations (item 6 minus 7)________4341. . N/A 8.
Memoranda
<CAPTION>
Dollar Amounts in Thousands
- -------------------------------------------------------------------------------------------------------------------
<S> <C> <C>
1. Intracompany interest income included in item 1.a above_______________________________4847. . N/A M.1
2. Intracompany interest expense included in item 1.b above______________________________4848. . N/A M.2
</TABLE>
Part II. Supplementary Details on Income from International Operations
Required by the Departments of Commerce and Treasury for Purposes of the U.S.
International Accounts and the U.S. National Income and Product Accounts
<TABLE>
<CAPTION>
Dollar Amounts in Thousands
- -------------------------------------------------------------------------------------------------------------------
<S> <C> <C>
RIAD Year-to-date
----
1. Interest income booked at IBFs________________________________________________________4849. . N/A 1.
2. Interest expense booked at IBFs_______________________________________________________4850. . N/A 2.
3. Noninterest income attributable to international operations booked at
domestic offices (excluding IBFs):
a. Gains (losses) and extraordinary items_____________________________________________5491. . N/A 3.a
b. Fees and other noninterest income__________________________________________________5492. . N/A 3.b
4. Provision for loan and lease losses attributable to international
operations booked at domestic offices (excluding IBFs)________________________________4852. . N/A 4.
5. Other noninterest expense attributable to international operations booked
at domestic offices (excluding IBFs)__________________________________________________4853. . N/A 5.
</TABLE>
<PAGE>
Norwest Bank Minnesota, N.A. Call Date: 3/31/96 ST-BK: 27-4095 FFIEC 031
Sixth Street and Marquette Avenue Page RI-7
Minneapolis, MN 55479 Vendor ID: D CERT: 05208
9
Transit Number: 91000019
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>
I495 (-
Dollar Amounts in Thousands
- -------------------------------------------------------------------------------------------------------------------
<S> <C> <C>
1. All other noninterest income (from 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: Gain on Sale of Loan Servicing Rights_______________________________________4461. . 6,754 1.d
e. 4462: Processing Fees_____________________________________________________________4462. . 4,761 1.e
f. 4463: Rental Income_______________________________________________________________4463. . 2,016 1.f
2. Other noninterest expense (from Schedule RI, item 7.c):
a. Amortization expense of intangible assets__________________________________________4531. . 1,579 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: Processing Fees_____________________________________________________________4464. . 22,195 2.e
f. 4467: ____________________________________________________________________________4467. . N/A 2.f
g. 4468: ____________________________________________________________________________4468. . N/A 2.g
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):
TEXT RIAD
---- ----
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, item 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 corrections):
TEXT RIAD
---- ----
a. 4496: _____________________________________________________________________________4496. . N/A 6.a
b. 4497: _____________________________________________________________________________4497. . N/A 6.b
</TABLE>
<PAGE>
Norwest Bank Minnesota, N.A. Call Date: 03/31/96 ST-BK: 27-4095 FFIEC 031
Sixth Street and Marquette Avenue Page RI-8
Minneapolis, MN 55479 Vendor ID: D CERT: 05208
10
Transit Number: 91000019
Schedule RI-E - Continued
Dollar Amounts in Thousands
- --------------------------------------------------------------------------------
7. Other transactions with parent holding company
(from Schedule RI-A, item 13) (itemize and
describe all such transactions):
TEXT RIAD Year-to-date
---- ----
a. 4498:_________________________________________4498. . N/A 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
---.
a. 4521: Sale of Loans___________________________4521. . ( 2) 8.a
b. 4522: ________________________________________4522. . N/A 8.b
I498 I499 (-
9. Other explanations (the space below is provided
for the bank to briefly describe, at its option,
any other significant items affecting the Report
of Income):
No comment: X (RIAD 4769)
Other explanations (please type or print clearly):
(TEXT 4769)
<PAGE>
Norwest Bank Minnesota, N.A. Call Date: 03/31/96 ST-BK:27-4095 FFIEC 031
sixth Street and Marquette Avenue Page RC-1
Minneapolis, MN 55479 Vendor ID: D CERT: 05208 11
Transit Number: 91000019
Consolidated Report of Condition for Insured Commercial and
State-Chartered Savings Banks for March 31, 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
C400 (-
Dollar Amounts in Thousands
- --------------------------------------------------------------------------------
ASSETS
1. Cash and balances due from depositary RCFD
institutions (from Schedule RC-A): ----
a. Noninterest-bearing balances and currency
and coin (1)______________________________ 0081. . 799,948 1.a
b. Interest-bearing balances (2)_____________ 0071. . 8,680 1.b
2. Securities:
a. Held-to-maturity securities (from Schedule
RC-B, column A) 1754. . 0 2.a
b. Available-for-sale securities (from
Schedule RC-B, column D)__________________ 1773. . 1,248,762 2.b
3. Federal funds sold and securities purchased
under agreements to resell in domestic offices
of the bank and of its Edge and Agreement
subsidiaries, and in IBFs:
a. Federal funds sold________________________ 0276. . 4,849,904 3.a
b. Securities purchased under agreements to
resell____________________________________ 0277. . 166,612 3.b
4. Loans and lease financing receivables:
a. Loans and leases, net of
unearned income RCFD
(from ----
Schedule RC-C)___________ 2122. . 9,047,263 . . . . . 4.a
b. LESS: Allowance for Loan
and lease losses_________ 3123. . 187,105 . . . . . 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. . 8,860,158 4.d
5. Trading assets (from Schedule RC-D)__________ 3545. . 218,920 5.
6. Premises and fixed assets (including
capitalized leases)__________________________ 2145. . 109,833 6.
7. Other real estate owned (from Schedule
RC-M)________________________________________ 2150. . 3,507 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______________________ 2135. . 26,494 9.
10. Intangible assets (from Schedule RC-M)_______ 2143. . 12,617 10.
11. Other assets (from Schedule RC-F)____________ 2160. . 241,962 11.
12. Total assets (sum of items 1 through 11)_____ 2170. . 16,547,397 12.
_________
(1) Includes cash items in process of collection and unposted debits.
(2) Includes time certificates of deposit not held for trading.
<PAGE>
Norwest Bank Minnesota, N.A. Call Date: 03/31/96 ST-BK: 27-4095 FFIEC 031
Sixth Street and Marquette Avenue Page RC-2
Minneapolis, MN 55479 Vendor ID: D CERT: 05208 12
Transit Number: 91000019
Schedule RC - Continued
Dollar Amounts in Thousands
- --------------------------------------------------------------------------------
LIABILITIES
13. Deposits:
a. In domestic offices (sum of totals RCON
of columns A and C from ----
Schedule RC-E, part I)_____________________ 2200. . 7,689,048 13.a
RCON
----
(1) Noninterest-bearing (1)_ 6631. . 2,511,465 . . . . . .13.a.1
(2) Interest-bearing________ 6636. . 5,177,583 . . . . . .13.a.2
RCFN
----
b. In foreign offices, Edge and Agreement subsidiaries, and IBFs (from
Schedule RC-E, part II).................... 2200 1,153,638 13.b
RCFN
----
(1) Noninterest-bearing____ 6631. . 14,651 . . . . . .13.b.1
(2) Interest-bearing_______ 6636. . 1,138,987 . . . . . .13.b.2
14. Federal funds purchased and securities sold
under agreements to repurchase in domestic
offices of the bank and of its Edge and
Agreement subsidiaries, and in IBFS: RCFD
----
a. Federal funds purchased___________________ 0278. . 2,757,413 14.a
b. Securities sold under agreements to
repurchase________________________________ 0279. . 604,944 14.b
RCON
15. a. Demand notes issued to the U.S. ----
Treasury__________________________________ 2840. . 166,014 15.a
RCFD
----
b. Trading liabilities (from Schedule RC-D)__ 3548. . 15,346 15.b
16. Other borrowed money:
a. With a remaining maturity of one year or
less______________________________________ 2332. . 80,846 16.a
b. With a remaining maturity of more than
one year__________________________________ 2333. . 2,288,426 16.b
17. Mortgage indebtedness and obligations under
capitalized leases___________________________ 2910. . 1,171 17.
18. Bank's liability on acceptances executed and
outstanding__________________________________ 2920. . 26,494 18.
19. Subordinated notes and debentures____________ 3200. . 161,695 19.
20. Other liabilities (from Schedule RC-G)_______ 2930. . 467,163 20.
21. Total liabilities (sum of items 13 through
20)__________________________________________ 2948. . 15,412,198 21.
22. Limited-life preferred stock and related
surplus______________________________________ 3282. . 0 22.
EQUITY CAPITAL
RCFD
----
23. Perpetual preferred stock and related surplus 3838. . 0 23.
24. Common stock_________________________________ 3230. . 100,000 24.
25. Surplus (exclude all surplus related to
preferred stock)_____________________________ 3839. . 594,981 25.
26. a. Undivided profits and capital reserves____ 3632. . 431,558 26.a
b. Net unrealized holding gains (losses) on
available-for-sale securities_____________ 8434. . 9,005 26.b
27. Cumulative foreign currency translation
adjustments__________________________________ 3284. .( 345) 27.
28. Total equity capital (sum of items 23 through
27)__________________________________________ 3210. . 1,135,199 28.
29. Total liabilities, limited-life preferred
stock, and equity capital (sum of items 21,
22, and 28)__________________________________ 3300. . 16,547,397 29.
Memorandum
To be reported only with the March Report of
Condition.
1. Indicate in the box at the right the number of
the statement below that best describes the
most comprehensive level of auditing work
performed for the bank by independent RCFD NUMBER
external auditors as of any date during ---- ------
1995_________________________________________ 6724. . 2 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 by a tax preparation work)
certified public accounting firm 8 = No external audit work
which submits a report on the
consolidated holding company (but
not on the bank separately)
3 = Directors, examination of the bank
conducted in accordance with
generally accepted auditing
standards by a certified public
accounting firm (may be required
by state chartering authority)
____________
(1) Includes total demand deposits and noninterest-bearing time and savings
deposits.
<PAGE>
Norwest Bank Minnesota, N.A. Call Date: 03/31/96 ST-BK: 27-4095 FFIEC 031
Sixth Street and Marquette Avenue Page RC-3
Minneapolis, MN 55479 Vendor ID: D CERT: 05208
13
Transit Number: 91000019
SCHEDULE RC-A - CASH AND BALANCES DUE FROM DEPOSITORY INSTITUTIONS
Exclude assets held for trading.
<TABLE>
<CAPTION>
C405-
Dollar Amounts in Thousands
- ---------------------------------------------------------------------------------------------------------
(Column A) (Column B)
Consolidated Bank Domestic Offices
------------------ -------------------
<S> <C> <C> <C> <C> <C> <C>
1. Cash items in process of collection, unposted RCFD RCON
---- ----
debits, and currency and coin_________________ 0022. . 661,057 . . . . . . . 1.
a. Cash items in process of collection and
unposted debits____________________________ . . . . . . 0020. . 569,258 l.a
b. Currency and coin _________________________ . . . . . . 0080. . 91,778 l.b
2. Balances due from depository institutions in
the U.S.______________________________________ . . . . . . 0082. . 81,946 2.
a. U.S. branches and agencies of foreign banks
(including their IBFs)_____________________ 0083. 0 . . . . . . . 2.a
b. Other commercial banks in the U.S. and
other depository institutions in the U.S.
(including their IBFs)_____________________ 0085. 90,620 . . . . . . . 2.b
3. Balances due from banks in foreign countries
and foreign central banks_____________________ . . . . . . 0070. . 7,549 3.
a. Foreign branches of other U.S. banks_______ 0073. . 7,549 . . . . . . . 3.a
b. Other banks in foreign countries and
foreign central banks______________________ 0074. . 2,714 . . . . . . . 3.b
4. Balances due from Federal Reserve Banks_______ 0090. . 46,688 0090. . 46,451 4.
5. Total (sum of item 1 through 4) (total of column
A must equal Schedule RC, sum of items 1.a and
1.b)___________________________________________ 0010. . 808,628 0010. . 796,982 5.
Memoranda
Dollar Amounts in Thousands
- ---------------------------------------------------------------------------------------------------------
1. Noninterest-bearing balances due from commercial banks in the U.S. RCON
----
(included in item 2, column B above)_____________________________ 0050. . 74,367 M.1
</TABLE>
Schedule RC-B - Securities
Exclude assets held for trading.
<TABLE>
<CAPTION>
C410-
Dollar Amounts in Thousands
- ---------------------------------------------------------------------------------------------------------
Held-to-maturity Available-for-sale
(Column A) (Column B) (Column C) (Column D)
Amortized Cost Fair Value Amortized Cost Fair Value (1)
------------------- --------------------- ------------------ -----------------
<S><C> <C> <C><C> <C><C> <C> <C> <C> <C>
1. U.S. Treasury RCFD RCFD RCFD RCFD
---- ---- ---- ----
securities____ 0211.. 0 0213.. 0 1286.. 285,450 1287.. 286,976 1.
2. U.S. Government
agency and
corporation
obligations
(exclude
mortgage-backed
securities):
a. Issued by U.S.
Government RCFD RCFD RCFD RCFD
---- ---- ---- ----
agencies(2)__1289.. 0 1290.. 0 1291.. 0 1293.. 0 2.a
b. Issued by U.S.
Government-
sponsored
agencies (3)_1294.. 0 1295.. 0 1297.. 11,725 1298.. 11,678 2.b
</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>
Norwest Bank Minnesota, N.A. Call Date: 03/31/96 ST-BK: 27-4095 FFIEC 031
Sixth Street and Marquette Avenue
Minneapolis, MN 55479 Vendor ID: D CERT: 05208 Page RC-4
14
Transit Number: 91000019
Schedule RC-B - Continued
<TABLE>
<CAPTION>
Dollar Amounts in Thousands
- ---------------------------------------------------------------------------------------------------------
Held-to-maturity Available-for-sale
(Column A) (Column B) (Column C) (Column D)
Amortized Cost Fair Value Amortized Cost Fair Value (1)
------------------- --------------------- ------------------ -----------------
<S><C> <C> <C> <C> <C><C> <C> <C> <C> <C>
3. Securities
issued by
states and
political
subdivisions in
the U.S.:
a. General RCFD RCFD RCFD RCFD
---- ---- ---- ----
obligations____1676.. 0 1677.. 0 1678.. 21,741 1679.. 22,097 3.a
b. Revenue
obligations____1681.. 0 1686.. 0 1690.. 78,332 1691.. 81,852 3.b
c. Industrial
development
and similar
obligations____1694.. 0 1695.. 0 1696.. 4,500 1697.. 5,170 3.c
4. Mortgage-backed
securities (MBS):
a. Pass-through
securities:
(1) Guaranteed
by GNMA____1698.. 0 1699.. 0 1701.. 82,072 1702.. 83,608 4al
(2) Issued by
FNMA and
FHLMC______1703.. 0 1705.. 0 1706.. 430,355 1707.. 437,175 4a2
(3) Other
pass-
through
securities__1709.. 0 1710.. 0 1711.. 0 1713.. 0 4a3
b. Other
mortgage-
backed
securities
(include
CMOs,
REMICs, and
stripped
MBS):
(1) Issued
or guar-
anteed
by FNMA,
FHLMC, RCFD RCFD RCFD RCFD
---- ---- ---- ----
or GNMA____1714.. 0 1715.. 0 1716.. 26,261 1717.. 26,300 4bl
(2) Collateral-
ized by MBS
issued or
guaranteed
by FNMA,
FHLMC, RCFD RCFD RCFD RCFD
---- ---- ---- ----
or GNMA____1718.. 0 1719.. 0 1731.. 41 1732.. 41 4b2
(3) All other
mortgage-
backed
securities_1733.. 0 1734.. 0 1735.. 108 1736.. 108 4b3
5. Other debt securities:
a. Other domestic
debt RCFD RCFD RCFD RCFD
---- ---- ---- ----
securities____1737.. 0 1738.. 0 1739.. 2,149 1741.. 2,207 5.a
b. Foreign debt
securities____1742.. 0 1743.. 0 1744 0 1746.. 0 5.b
6. Equity securities:
a. Investments
in mutual RCFD RCFD RCFD RCFD
---- ---- ---- ----
funds__________. . . . . . . . . . . . . . . . . . 1747.. 143 1748.. 143 6.a
b. Other equity
securities
with readily
determinable
fair values____. . . . . . . . . . . . . . . . . . 1749.. 0 1751.. 0 6.b
c. All other
equity
securities(1)__. . . . . . . . . . . . . . . . . . 1752.. 291,407 1753.. 291,407 6.c
7. Total (sum of
item 1 through
6)(total of
column A must
equal Schedule
RC, item 2.a)
(total of
column D must
equal Schedule
RC, item 2.b)_____1754.. 0 1771.. 0 1772.. 1,234,284 1773.. 1,248,762 7.
</TABLE>
(1) Includes equity securities without readily determinable fair values at
historical cost in item 6.c, column D.
<PAGE>
Norwest Bank Minnesota, N.A. Call Date: 03/31/96 ST-BK: 27-4095 FFIEC 031
Sixth Street and Marquette Avenue
Minneapolis, MN 55479 Vendor ID: D CERT: 05208 Page RC-5
15
Transit Number: 91000019
Schedule RC-B - Continued
<TABLE>
<CAPTION>
Memoranda C412-
Dollar Amounts in Thousands
- ---------------------------------------------------------------------------------------------------------
<S> <C> <C> <C>
RCFD
----
1. Pledged securities (2)__________________________________________________0416.. 120,386 M.1
2. Maturity and repricing data for debt securities (2,3,4) (excluding
those in nonaccrual status):
a. Fixed rate debt securities with a remaining maturity of:
(1) Three months or less_____________________________________________0343.. 173,710 M.2.a1
(2) Over three months through 12 months______________________________0344.. 123,524 M.2.a2
(3) Over one year through five years_________________________________0345.. 15,063 M.2.a3
(4) Over five years__________________________________________________0346.. 457,854 M.2.a4
(5) Total fixed rate debt securities (sum of Memorandum items 2.a.(1)
through 2.a.(4))_________________________________________________0347. 770,151 M.2.a5
b. Floating rate debt securities with a repricing frequency of:
(1) Quarterly or more frequently_____________________________________4544.. 106,107 M.2.b1
(2) Annually or more frequently, but less frequently than quarterly__4545.. 80,954 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 Memorandum items
2.b.(1) through 2.b.(4)__________________________________________4553.. 187,061 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 9, column C)__________________________________0393. 957,212 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 (2,4) (included in Memorandum items 2.b.(1) through 2.b.(4) above)_5519.. 901 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.. 115 M.8.a
b. Fair value___________________________________________________________8781.. 109 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.. 3,502 M.9.a
b. Fair value___________________________________________________________8783.. 3,456 M.9.b
</TABLE>
- -----------
(2) Includes held-to-maturity securities at amortized cost and
available-for-sale securities at fair value.
(3) Exclude equity securities, e.g., investments in mutual funds, Federal
Reserve stock, preferred stock.
(4) Memorandum items 2 and 6 are not applicable to savings banks that must
complete supplemental Schedule RC-J.
<PAGE>
Norwest Bank Minnesota, N.A. Call Date: 03/31/96 ST-BK: 27-4095 FFIEC 031
Sixth Street and Marquette Avenue Page RC- 6
Minneapolis, MN 55479 Vendor ID: D CERT: 05208
16
Transit Number: 91000019
Schedule RC-C - Loans and Lease Financing Receivables
Part I. Loans and Leases
Do not deduct the allowance for loan and lease losses from amounts reported
in this schedule. Report total loans and leases, net of unearned income.
Exclude assets held for trading.
<TABLE>
<CAPTION>
C415 (-
Dollar Amounts in Thousands
- -----------------------------------------------------------------------------------------------------------------------------
(Column A) (Column B)
RCFD Consolidated Bank RCON Domestic Offices
------ ----------------- ---- ----------------
<S> <C> <C> <C> <C> <C>
1. Loans secured by real estate 1410. . 3,520,733 . . . . . . . 1.
a. Construction and land development____________________ . . . . . . . 1415. . 34,868 1.a
b. Secured by farmland (including farm residential
and other improvements)______________________________ . . . . . . . 1420. . 1,640 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. . 103,321 1.c1
(2) All other loans secured by 1-4 family
residential properties:
(a) Secured by first liens_____________________ . . . . . . . 5367. . 2,637,682 1.c2a
(b) Secured by junior liens____________________ . . . . . . . 5368. . 301,422 1.c2b
d. Secured by multifamily (5 or more)
residential properties_______________________________ . . . . . . . 1460. . 57,978 1.d
e. Secured by nonfarm nonresidential properties___________ . . . . . . . 1480. . 383,822 1.e
2. Loans to depository institutions:
a. To commercial banks in the U.S.______________________ . . . . . . . 1505. . 35,153 2.a
(1) To U.S. branches and agencies of foreign banks_____1506. . 0 . . . . . . . 2.a1
(2) To other commercial banks in the U.S.______________1507. . 40,935 . . . . . . . 2.a2
b. To other depository institutions in the U.S._____________1517. . 0 1517. . 0 2.b
c. To banks in foreign countries ___________________________ . . . . . . . 1510. . 466 2.c
(1) To foreign branches of other U.S. banks____________1513. . 265 . . . . . . . 2.c1
(2) To other banks in foreign countries________________1516. . 73,193 . . . . . . . 2.c2
3. Loans to finance agricultural production and other
loans to farmers____________________________________________1590. . 19,942 1590. . 19,942 3.
4. Commercial and industrial loans:
a. To U.S. addressees (domicile)____________________________1763. . 3,117,994 1763. . 3,081,820 4.a
b. To non-U.S. addressees (domicile)________________________1764. . 45,174 1764. . 1,259 4.b
5. Acceptances of other banks:
a. Of U.S. banks____________________________________________1756. . 0 1756. . 0 5.a
b. Of foreign banks_________________________________________1757. . 2,351 1757. . 2,351 5.b
6. Loans to individuals for household, family, and other
personal expenditures (i.e., consumer loans)
(includes purchased paper)__________________________________ . . . . . . . 1975. . 1,001,690 6.
a. Credit cards and related plans (includes check
credit and other revolving credit plans)_______________2008. . 194,157 . . . . . . . 6.a
b. Other (includes single payment, installment,
and all student loans)_________________________________2011. . 807,803 . . . . . . . 6.b
7. Loans to foreign governments and official institutions
(including foreign central banks)___________________________2081. . 5,000 2081. . 5,000 7.
8. Obligations (other than securities and leases)
of states and political subdivisions in the U.S.
(includes nonrated industrial development obligations) _____2107. . 22,612 2107. . 22,612 8.
9. Other loans_________________________________________________1563. . 549,365 . . . . . . . 9.
a. Loans for purchasing or carrying securities
(secured and unsecured)________________________________ . . . . . . . 1545. . 32,160 9.a
b. All other loans (exclude consumer loans)_______________ . . . . . . . 1546. . 517,205 9.b
10. Lease financing receivables (net of unearned income)________ . . . . . . . 2165. . 650,824 10.
a. Of U.S. addressees (domicile)__________________________2182. . 650,824 . . . . . . . 10.a
b. Of non-U.S. addressees (domicile)______________________2183. . 0 . . . . . . . 10.b
11. LESS: Any unearned income on loans reflected in items
1-9 above___________________________________________________2123. . 3,085 2123. . 2,062 11.
12. Total loans and leases, net of unearned income
(sum of items 1 through 10 minus item 11)
(total of column A must equal Schedule RC, item 4.a)________2122. . 9,047,263 2122. . 8,889,153 12.
</TABLE>
<PAGE>
Norwest Bank Minnesota, N.A. Call Date: 03/31/96 ST-BK: 27-4095 FFIEC 031
Sixth Street and Marquette Avenue Page RC- 7
Minneapolis, MN 55479 Vendor ID: D CERT: 05208
17
Transit Number: 91000019
Schedule RC-C - Continued
Part 1. Continued
<TABLE>
<CAPTION>
Memoranda Dollar Amounts in Thousands
- -----------------------------------------------------------------------------------------------------------------------------
(Column A) (Column B)
Consolidated Bank Domestic Offices
----------------------- --------------------------------
RCFD RCON
---- ----
<S> <C> <C> <C>
1. Commercial paper included in Schedule RC-C, part I,
above_______________________________________________________1496. . 0 1496. . 0 m1.
2. Loans and leases restructured and in compliance with
modified terms (included in Schedule RC-C, part I,
above, and not reported as past due or nonaccrual
in Schedule RC-N, Memorandum item 1):
a. Loans secured by real estate:
(1) To U.S. addressees (domicile)______________________1687. . 0 M.2.a1
(2) To non-U.S. addressees (domicile)__________________1689. . 0 M.2.a2
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
c. Commercial and industrial loans to and lease
financing receivables of non-U.S__addressees
(domicile) included in Memorandum item 2.b above_______8692. . 0 M.2.c
3. Maturity and repricing data for loans and leases (1)
(excluding those in nonaccrual status):
a. Fixed rate loans and leases with a remaining
maturity of:
(1) Three months or less______________________________0348. . 3,492,538 M.3.a1
(2) Over three months through 12 months_______________0349. . 583,439 M.3.a2
(3) Over one year through five years__________________0356. . 1,710,367 M.3.a3
(4) Over five years___________________________________0357. . 934,727 M.3.a4
(5) Total fixed rate loans and leases (sum of
Memorandum item 3.a.(1) through 3.a.(4))__________0358. . 6,721,071 M.3.a5
B. Floating rate loans with a repricing frequency of:
(1) Quarterly or more frequently______________________4554. . 1,986,188 M.3.b1
(2) Annually or more frequently, but less frequently
than quarterly____________________________________4555. . 273,537 M.3.b2
(3) Every five years or more frequently, but less
frequently than annually_______________________________4561. . 20,782 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. . 2,280,507 M.3.b5
c. Total loans and losses (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 8, column C)___________________________________1479. . 9,001,578 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. . 658,691 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,
column A, page RC-6 (2)_____________________________________2746. . 0 M.4
5. Loans and leases held for sale (included in
Schedule RC-C, part I, above)_______________________________5369. . 1,701,670 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), column B,
page RC-6)__________________________________________________ . . . . . . 5370. . 397,465 M.6
</TABLE>
______________
(1) Memorandum item 3 is not applicable to savings banks that must complete
supplement Schedule RC-J.
(2) Exclude loans secured by real estate that are included in Schedule RC-C,
part I, item 1, column a.
<PAGE>
Norwest Bank Minnesota, N.A. Call Date: 03/31/96 ST-BK: 27-4095 FFIEC 031
Sixth Street and Marquette Avenue Page RC- 8
Minneapolis, MN 55479 Vendor ID: D CERT: 05208
18
Transit Number: 91000019
Schedule RC-D - Trading Assets and Liabilities
Schedule RC-D is to be completed only by banks with $1 billion or more
in total assets, or with $2 billion or more in par/notional amount of
off-balance sheet derivative contracts (as reported in Schedule RC-L,
items 14.a through 14.e, columns A through D).
C420 (-
Dollar Amounts in Thousands
- -------------------------------------------------------------------------------
ASSETS
RCON
-----
1. U.S. Treasury securities in domestic offices 3531. . 188,479 1.
2. U.S. Government agency and corporation obligations
in domestic offices (exclude mortgage-backed
securities____________________________________________3532. . N/A 2.
3. Securities issued by states and political
subdivisions in the U.S. in domestic offices__________3533. . N/A 3.
4. Mortgage-backed securities (MBS) in domestic offices:
a. Pass-through securities issued or guaranteed by
FNMA, FHLMC, or GNMA_______________________________3534. . 19,490 4.a
b. Other mortgage-backed securities issued or
guaranteed by FNMA, FHLMC, or GNMA (include
CMOs, REMICs, and stripped MBS)____________________3535. . N/A 4.b
c. All other mortgage-backed securities_______________3536. . N/A 4.c
5. Other debt securities in domestic offices_____________3537. . N/A 5.
6. Certificates of deposit in domestic offices___________3538. . N/A 6.
7. Commercial paper in domestic offices__________________3539. . N/A 7.
8. Bankers acceptances in domestic offices_______________3540. . N/A 8.
9. Other trading assets in domestic offices______________3541. . N/A 9.
RCFN
10. Trading assets ----
in foreign offices____________________________________3542. . N/A 10.
11. Revaluation gains on interest rate, foreign exchange RCON
rate, and other commodity and equity contracts: ----
a. In domestic offices________________________________3543. . 10,951 11.a
RCFN
b. In foreign ----
offices____________________________________________3544. . N/A 11.b
RCFD
12. Total trading assets (sum of items 1 through 11) ----
(must equal Schedule RC, item 5)______________________3545. . 218,920 12.
LIABILITIES
13. Liability for short positions_________________________3546. . 4,745 13.
14. Revaluation losses on interest rate, foreign exchange
rate, and other commodity and equity contracts________3547. . 10,601 14.
15. Total trading liabilities (sum of items 13 and 14)
(must equal Schedule RC, item 15.b)___________________3548. . 15,346 15.
<PAGE>
Norwest Bank Minnesota, N.A. Call Date: 03/31/96 ST-SK: 27-4095 FFIEC 031
Sixth Street and Marquette Avenue Page RC: 9
Minneapolis, MN 55479 Vendor ID: D CERT: 05208 19
Transit Number: 91000019
SCHEDULE RC-E - DEPOSIT LIABILITIES
PART I. DEPOSITS IN DOMESTIC OFFICES
<TABLE>
<CAPTION>
C425 (-
Dollar Amounts in Thousands
- -----------------------------------------------------------------------------------------------------------------------------------
-------------- Transaction 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> <C> <C> <C>
RCON RCON RCON
---- ---- ----
Deposits of:
1. Individuals, partnerships and corporations__2201.. 3,168,529 2240.. 2,127,218 2346.. 4,120,216 1.
2. U.S. Government_____________________________2202.. 23,933 2280.. 23,933 2520.. 0 2.
3. States and political subdivisions in
the U.S.____________________________________2203.. 29,811 2290.. 24,414 2530.. 10,559 3.
4. Commercial banks in the U.S.________________2206.. 284,025 2310.. 284,025 2550.. 100 4.
5. Other depository institutions in the U.S.___2207.. 6,857 2312.. 6,857 2349.. 0 5.
6. Banks in foreign countries__________________2213.. 14,291 2320.. 14,291 2236.. 0 6.
7. Foreign governments and official institu-
tions (including foreign central banks)_____2216.. 0 2300.. 0 2377.. 0 7.
8. Certified and official checks_______________2330.. 30,727 2330.. 30,727 . . . . . . 8.
9. Total (sum of items 1 through 8) (sum of
columns A and C must equal Schedule RC,
item 13.a)__________________________________2215.. 3,558,173 2210.. 2,511,465 2385.. 4,130,875 9.
</TABLE>
MEMORANDA
<TABLE>
<CAPTION>
Dollar Amounts in Thousands
- -----------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C>
RCON
----
1. Selected components of total deposits (i.e., sum of item 9, columns A and C):
a. Total Individual Retirement Accounts (IRAs) and Keogh Plan accounts___________________6835.. 553,583 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 $ 100,000 or in denominations greater than
$ 100,000 and participated out by the broker in shares of $ 100,000 or less______2344.. 0 M.1.c2
d. Maturity data for brokered deposits:
(1) Brokered deposits issued in denominations of less than $ 100,000
with a remaining maturity of one year or less (included in Memorandum item
1.c.(1) above)___________________________________________________________________A243.. 0 M.1.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.. 34,792 M.1.e
2. Components of total nontransaction accounts (sum of Memorandum items 2.a through 2.d
must equal item 9, column C above):
a. Savings deposits:
(1) Money market deposit accounts (MMDAs)____________________________________________6810.. 1,715,121 M.2.a1
(2) Other savings deposits (excludes MMDAs)__________________________________________0352.. 428,864 M.2.a2
b. Total time deposits of less than $ 100,000____________________________________________6648.. 1,736,275 M.2.b
c. Time certificates of deposit of $ 100,000 or more_____________________________________6645.. 170,411 M.2.c
d. Open-account time deposits of $ 100,000 or more_______________________________________6646.. 80,204 M.2.d
3. ALL NOW accounts (included in column A above)____________________________________________2398.. 1,046,708 M.3
4. Not applicable
</TABLE>
<PAGE>
Norwest Bank Minnesota, N.A. Call Date: 03/31/96 ST-SK: 27-4095 FFIEC 031
Sixth Street and Marquette Avenue Page RC- 10
Minneapolis, MN 55479 Vendor ID: D CERT: 05208 20
Transit Number: 91000019
SCHEDULE RC-E - CONTINUED
PART I. CONTINUED
MEMORANDA (CONTINUED)
<TABLE>
<CAPTION>
Dollar Amounts in Thousands
- --------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C>
5. Maturity and repricing data for time deposits of less than $ 100,000 (sum of Memorandum
item 5.a.(1) through 5.b.(3) must equal Memorandum item 2.b above): (1)
a. Fixed rate time deposits of less than $ 100,000 with a remaining maturity of: RCON
----
(1) Three months or less_______________________________________________________________A225.. 194,917 M.5.a1
(2) Over three months thru 12 months___________________________________________________A226.. 749,354 M.5.a2
(3) Over one year______________________________________________________________________A227.. 792,004 M.5.a3
b. Floating rate time deposits of less than $ 100,000 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 items 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.. 104,590 M.6.a1
(2) Over three months through 12 months________________________________________________A233.. 75,660 M.6.a2
(3) Over one year through five years___________________________________________________A234.. 64,039 M.6.a3
(4) Over five years____________________________________________________________________A235.. 6,326 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) above)_______________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>
Norwest Bank Minnesota, N.A. Call Date: 03/31/96 ST-SK: 27-4095 FFIEC 031
Sixth Street and Marquette Avenue Page RC- 11
Minneapolis, MN 55479 Vendor ID: D CERT: 05208 21
Transit Number: 91000019
SCHEDULE RC-E - CONTINUED
PART II. DEPOSITS IN FOREIGN OFFICES (INCLUDING EDGE AND AGREEMENT
SUBSIDIARIES AND IBFs)
<TABLE>
<CAPTION>
Dollar Amounts in Thousands
- -----------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C>
Deposits of: RCFN
----
1. Individuals, partnerships, and corporations_________________________________________________2621.. 354,003 1.
2. U.S. banks (including IBFs and foreign branches of U.S. banks)______________________________2623.. 767,632 2.
3. Foreign banks (including U.S. branches and agencies of foreign banks,
including their IBFs)_______________________________________________________________________2625.. 31,449 3.
4. Foreign governments and official institutions (including foreign
central banks)______________________________________________________________________________2650.. 0 4.
5. Certified and official checks_______________________________________________________________2330.. 82 5.
6. All other deposits__________________________________________________________________________2668.. 472 6.
7. Total (sum of items 1 through 6) (must equal Schedule RC, item 13.b)________________________2200.. 1,153,638 7.
</TABLE>
<TABLE>
<CAPTION>
MEMORANDUM
Dollar Amounts in Thousands
- -----------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C>
RCFN
----
1. Time deposits with a remaining maturity of one year or less (included
in Part II, item 7 above)___________________________________________________________________A245.. 1,096,600 M.1
</TABLE>
<TABLE>
<CAPTION>
SCHEDULE RC-F - OTHER ASSETS C430(-
Dollar Amounts in Thousands
- -----------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C>
RCFD
----
1. Income earned, not collected on loans_______________________________________________________2164.. 52,572 1.
2. Net deferred tax assets (1)_________________________________________________________________2148.. 0 2.
3. Excess residential mortgage servicing fees receivable_______________________________________5371.. 0 3.
4. Other (itemize and describe amounts that exceed 25% of this item)___________________________2168.. 189,390 4.
TEXT RCFD
---- ----
a. 3549: ____________________________________________3549 N/A . . . . . . 4.a
b. 3550: ____________________________________________3550 N/A . . . . . . 4.b
c. 3551: ____________________________________________3551 N/A . . . . . . 4.c
5. Total (sum of items 1 through 4) (must equal Schedule RC, item 11)__________________________2160.. 241,962 5.
</TABLE>
<TABLE>
<CAPTION>
MEMORANDUM
Dollar Amounts in Thousands
- -----------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C>
RCFD
----
1. Deferred tax assets disallowed for regulatory capital purposes______________________________5610.. 0 M.1
</TABLE>
SCHEDULE RC-G - OTHER LIABILITIES
<TABLE>
<CAPTION>
C435(-
Dollar Amounts in Thousands
- -----------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C>
RCON
----
1. a. Interest accrued and unpaid on deposits in domestic offices (2)__________________________3645.. 29,080 1.a
RCFD
b. Other expenses accrued and unpaid (includes accrued ----
income taxes payable)____________________________________________________________________3646.. 292,093 1.b
2. Net deferred tax liabilities (1)____________________________________________________________3048.. 124,500 2.
3. Minority interest in consolidated subsidiaries______________________________________________3000.. 1,049 3.
4. Other (itemize and describe amounts that exceed 25% of this item)___________________________2938.. 20,441 4.
TEXT RCFD
---- ----
a. 3552: Unearned Income_____________________________3552.. 12,645 . . . . . . 4.a
b. 3553: ____________________________________________3553.. N/A . . . . . . 4.b
c. 3554: ____________________________________________3554.. N/A . . . . . . 4.c
5. Total (sum of items 1 through 4) (must equal Schedule RC, item 20)__________________________2930.. 467,163 5.
</TABLE>
- ---------
(1) See discussion of deferred income taxes in Glossary entry on "income taxes."
(2) For savings banks, include "dividends" accrued and unpaid on deposits.
<PAGE>
Norwest Bank Minnesota, N.A. Call Date: 3/31/96 ST-BK 27-4095 FFIEC 031
Sixth Street and Marquette Avenue Page RC-12
Minneapolis, MN 55479 Vendor ID: D CERT: 05208
22
Transit Number: 91000019
Schedule RC-H - Selected Balance Sheet Items for Domestic Offices
<TABLE>
<CAPTION>
C440 (-
Dollar Amounts in Thousands
- ---------------------------------------------------------------------------------------------------------------------------------
Domestic Offices
----------------------
RCON
----
<S> <C> <C> <C>
1. Customers' Liability to this bank on acceptances outstanding____________________________2155. . 13,761 1.
2. Bank's Liability on acceptances executed and outstanding________________________________2920. . 13,761 2.
3. Federal funds sold and securities purchased under agreements to resell__________________1350. . 5,016,516 3.
4. Federal funds purchased and securities sold under agreements to repurchase______________2800. . 3,362,357 4.
5. Other borrowed money____________________________________________________________________3190. . 2,369,272 5.
EITHER
6. Net due from own foreign offices, Edge and Agreement subsidiaries, and IBFs_____________2163. . N/A 6.
OR
7. Net due to own foreign offices, Edge and Agreement subsidiaries, and IBFs_______________2941. . 972,744 7.
8. Total assets (excludes net due from foreign offices, Edge and Agreement
subsidiaries, and IBFs)_________________________________________________________________2192. . 16,387,885 8.
9. Total Liabilities (excludes net due to foreign offices, Edge and Agreement
subsidiaries, and IBFs)_________________________________________________________________3129. . 14,279,942 9.
Item 10 - 17 Include held-to-maturity and available-for-sale securities in domestic offices.
offices.
10. U.S. Treasury securities________________________________________________________________1779. . 286,976 10.
11. U.S. Government agency and corporation obligations (excludes mortgage-backed
securities)_____________________________________________________________________________1785. . 11,678 11.
12. Securities issued by states and political subdivisions in the U.S.______________________1786. . 109,119 12.
13. Mortgage-backed securities (MBS):
a. Pass-through securities:
(1) Issued or guaranteed by FNMA, FHLMC, or GNMA____________________________________1787. . 520,783 13.a.1
(2) Other pass-through securities___________________________________________________1869. . 0 13.a.2
b. Other mortgage-backed securities (include CMOs, REMICs, and stripped MBS):
(1) Issued or guaranteed by FNMA, FHLMC, or GNMA____________________________________1877. . 26,341 13.b.1
(2) All other mortgage-backed securities____________________________________________2253. . 108 13.b.2
14. Other domestic debt securities__________________________________________________________3159. . 2,207 14.
15. Foreign debt securities_________________________________________________________________3160. . 0 15.
16. Equity securities:
a. Investments in mutual funds__________________________________________________________3161. . 143 16.a
b. Other equity securities with readily determinable fair values________________________3162. . 0 16.b
c. All other equity securities__________________________________________________________3169. . 291,407 16.c
17. Total held-to-maturity and available-for-sale securities (sum of items 10 through
16)_____________________________________________________________________________________3170. . 1,248,762 17.
MEMORANDUM (to be completed only by banks with IBFs and other "foreign" offices) Dollar Amounts in Thousands
- ---------------------------------------------------------------------------------------------------------------------------------
EITHER
1. Net due from the IBF of the domestic offices of the reporting bank_______________________3051. . N/A M.1
OR
2. Net due to the IBF of the domestic offices of the reporting bank_________________________3059. . 0 M.2
</TABLE>
<PAGE>
Norwest Bank Minnesota, N.A. Call Date: 3/31/96 ST-BK 27-4095 FFIEC 031
Sixth Street and Marquette Avenue Page RC-13
Minneapolis, MN 55479 Vendor ID: D CERT: 05208
23
Transit Number: 91000019
Schedule RC-I - Selected Assets and Liabilities of IBFs
To be completed only by banks with IBFs and other "foreign" offices.
<TABLE>
<CAPTION>
C445 (-
Dollar Amounts in Thousands
- ---------------------------------------------------------------------------------------------------------------------------------
RCFN
----
<S> <C> <C> <C>
1. Total IBF assets of the consolidated bank (component of Schedule RC, Item 12)___________2133. . N/A 1.
2. Total IBF loans and lease financing receivables (component of Schedule RC-C, part I,
item 12, column A)______________________________________________________________________2076. . N/A 2.
3. IBF commercial and industrial loans (component of Schedule RC-C, part I, item 4,
column A)_______________________________________________________________________________2077. . N/A 3.
4. Total IBF liabilities (component of Schedule RC, item 21)_______________________________2898. . N/A 4.
5. IBF deposit liabilities due to banks, including other IBFs (component of Schedule
RC-E, part II, items 2 and 3)___________________________________________________________2379. . N/A 5.
6. Other IBF deposit Liabilities (component of Schedule RC-E, part II, items 1, 4, 5,
and 6)__________________________________________________________________________________2381. . N/A 6.
Schedule RC-K - Quarterly Averages (1)
C445 (-
Dollar Amounts in Thousands
- ---------------------------------------------------------------------------------------------------------------------------------
RCFD
ASSETS ----
1. Interest-bearing balances due from depository institutions______________________________3381. . 5,998 1.
2. U.S. Treasury securities and U.S. Government agency and corporation obligations(2)______3382. . 1,001,802 2.
3. Securities issued by states and political subdivisions in the U.S.(2)___________________3383. . 103,328 3.
4. a. Other debt securities(2)_____________________________________________________________3647. . 17,456 4.a
b. Equity securities (3)(includes investments in mutual funds and Federal Reserve
stock)_______________________________________________________________________________3648. . 272,439 4.b
5. Federal funds sold and securities purchased under agreements to resell in domestic
offices of the bank and of its Edge and Agreement subsidiaries, and in IBFs_____________3365. . 4,677,186 5.
6. Loans:
a. Loans in domestic offices: RCON
----
(1) Total loans______________________________________________________________________3360. . 9,994,223 6.a.1
(2) Loans secured by real estate_____________________________________________________3385. . 4,398,072 6.a.2
(3) Loans to finance agricultural production and other loans to farmers______________3386. . 18,110 6.a.3
(4) Commercial and industrial loans__________________________________________________3387. . 3,607,561 6.a.4
(5) Loans to individuals for household, family, and other personal expenditures______3388. . 1,024,361 6.a.5
RCFN
----
b. Total loans in foreign offices, Edge and Agreement subsidiaries,
and IBFs_____________________________________________________________________________3360. . 130,108 6.b
RCFD
7. Trading ----
assets__________________________________________________________________________________3401. . 134,219 7.
8. Lease financing receivables (net of unearned income)____________________________________3484. . 651,401 8.
9. Total assets(4)_________________________________________________________________________3368. . 17,547,871 9.
LIABILITIES
10. Interest-bearing transaction accounts in domestic offices (NOW accounts, RCON
ATS accounts, and telephone and preauthorized transfer accounts) (exclude ----
demand deposits)________________________________________________________________________3485. . 1,004,412 10.
11. Nontransaction accounts in domestic offices:
a. Money market deposit accounts (MMDAs)________________________________________________3486. . 1,697,619 11.a
b. Other savings deposits_______________________________________________________________3487. . 418,939 11.b
c. Time certificates of deposit of $100,000 or more_____________________________________3365. . 172,740 11.c
d. All other time deposits______________________________________________________________3469. . 1,917,949 11.d
RCFW
12. Interest-bearing deposits in foreign offices, Edge and Agreement ----
subsidiaries, and IBFs__________________________________________________________________3404. . 619,999 12.
RCFD
----
13. Federal funds purchased and securities sold under agreements to repurchase
in domestic offices of the bank and of its Edge and Agreement subsidiaries,
and in IBFs_____________________________________________________________________________3353. . 4,694,049 13.
14. Other borrowed money____________________________________________________________________3355. . 2,498,775 14.
- --------------
(1) For all items, banks have the option of reporting either (1) an average of
daily figures for the quarter, or (2) an average of weekly figures (i.e.,
the Wednesday of each week of the quarter).
(2) Quarterly averages for all debt securities should be based on amortized
cost.
(3) Quarterly averages for all equity securities should be based on historical
cost.
(4) The quarterly average for total assets should reflect all debt securities
(not held for trading) at amortized cost, equity securities with readily
determinable fair values at the lower of cost or fair value, and equity
securities without readily determinable fair values at historical cost.
</TABLE>
<PAGE>
Norwest Bank Minnesota, N.A. Call Date: 3/13/96 ST-BK: 27-4095 FFIEC 031
Sixth Street and Marquette Avenue Page RC- 14
Minneapolis, MN 55479 Vendor ID: D CERT: 05208 24
Transit Number: 91000019
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>
C460 (-
Dollar Amounts in Thousands
- ---------------------------------------------------------------------------------------------------------------------------------
RCFD
----
<S> <C> <C> <C>
1. Unused commitments:
a. Revolving, open-end lines secured by 1-4 family residential properties,
e.g., home equity lines_____________________________________________________________3814. . 158,989 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. . 43,972 1.c.1
(2) Commitments to fund loans net secured by real estate____________________________6550. . 38 1.c.2
d. Securities underwriting_____________________________________________________________3817. . 0 1.d
e. Other unused commitments____________________________________________________________3818. . 3,576,381 1.e
2. Financial standby letters of credit and foreign office guarantees_______________________3819. . 723,895 2.
a. Amount of financial standby letters of credit RCFD
conveyed to others_______________________________3820. . 286,936 . . . . . . . 2.a
3. Performance standby letters of credit and foreign office guarantees_____________________3821. . 67,278 3.
a. Amount of performance standby letters of credit RCFD
conveyed to others________________________________3822. . 18,113 . . . . . . . 3.a
4. Commercial and similar letters of credit________________________________________________3411. . 404,317 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. . 3,027,443 7.
8. Securities lent (including customers' securities lent where the customer is
indemnified against loss by the reporting bank)_________________________________________3433. . 207,795 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. . 25,817 9.a.1
(2) Amount of recourse exposure on these mortgages as of the report date_____________3651. . 25,817 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.l
(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____________________________________________________________4249. . 0 9.d.1
(2) Amount of retained recourse on these obligations as of the report date___________4250. . 0 9.d.2
10. When-issued securities:
a. Gross commitments to purchase________________________________________________________3434. . 0 10.a
b. Gross commitments to sell____________________________________________________________3435. . 0 10.b
11. Spot foreign exchange contracts_________________________________________________________8765. . 320,819 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 RCFD
---- ----
a. 3555: _________________________________3555. . N/A . . . . . . . 12.a
b. 3556: _________________________________3556. . N/A . . . . . . . 12.b
c. 3557: _________________________________3557. . N/A . . . . . . . 12.c
d. 3558: _________________________________3558. . N/A . . . . . . . 12.d
</TABLE>
<PAGE>
Norwest Bank Minnesota, N.A. Call Date: 03/31/96 ST-BK: 27-4095 FFIEC 031
Sixth Street and Marquette Avenue Page RC-15
Minneapolis, MN 55479 Vendor ID: D CERT: 05208
25
Transit Number: 91000019
Schedule RC-L - Continued
<TABLE>
<CAPTION>
Dollar Amounts in Thousands
- ----------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C>
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
</TABLE>
<TABLE>
<CAPTION>
C461 (-
Dollar Amounts in Thousands
- ----------------------------------------------------------------------------------------------------------------------------------
(Column C) (Column D)
Off-balance Sheet (Column A) (Column B) Equity Commodity
Derivatives Interest Rate Foreign Exchange Derivative And Other
Position 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):
a. Futures contracts__________________________________________ 249,100 1,000 0 0 14.a
RCFD 8693 RCFD 8694 RCFD 8695 RCFD 8696
b. Forward contracts__________________________________________ 0 358,121 0 0 14.b
RCFD 8697 RCFD 8698 RCFD 8699 RCFD 8700
c. Exchange-traded option contracts:
(1) Written options________________________________________ 0 0 0 0 14.c1
RCFD 8701 RCFD 8702 RCFD 8703 RCFD 8704
(2) Purchased options______________________________________ 0 0 0 0 14.c2
RCFD 8705 RCFD 8706 RCFD 8707 RCFD 8708
d. Over-the-counter option contracts:
(1) Written options________________________________________ 1,017,628 50,131 0 0 14.d1
RCFD 8709 RCFD 8710 RCFD 8711 RCFD 8712
(2) Purchased options______________________________________ 598,342 25,617 0 0 14.d2
RCFD 8713 RCFD 8714 RCFD 8715 RCFD 8716
e. Swaps______________________________________________________ 4,323,376 55,108 0 0 14.e
RCFD 3450 RCFD 3826 RCFD 8719 RCFD 8720
15. Total gross notional amount of derivative contracts held for
trading________________________________________________________ 3,315,446 485,758 0 0 15.
RCFD A126 RCFD A127 RCFD 8723 RCFD 8724
16. Total gross notional amount of derivative contracts held for
purposes other than trading:
a. Contracts marked to market__________________________________ 0 4,219 0 0 16.a
RCFD 8725 RCFD 8726 RCFD 8727 RCFD 8728
b. Contracts not marked to market______________________________ 2,918,000 0 0 0 16.b
RCFD 8729 RCFD 8730 RCFD 8731 RCFD 8732
</TABLE>
<PAGE>
Norwest Bank Minnesota, N.A. Call Date: 03/31/96 ST-BK: 27-4095 FFIEC 031
Sixth Street and Marquette Avenue Page RC- 16
Minneapolis, MN 55479 Vendor ID: D CERT: 05208
26
Transit Number: 91000019
Schedule RC-L - Continued
<TABLE>
<CAPTION>
Dollar Amounts in Thousands
- -----------------------------------------------------------------------------------------------------------------------------------
(Column A) (Column B) (Column C) (Column D)
Off-balance Sheet Equity Commodity
Derivatives Position Interest Rate Foreign Exchange Derivative And Other
Indicators Contracts Contracts Contracts Contracts
- -----------------------------------------------------------------------------------------------------------------------------------
RCFD RCFD RCFD RCFD
---- ---- ---- ----
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
17. Gross fair values of derivative contracts:
a. Contracts held for trading:
(1) Gross positive fair value__________________________8733.. 7,124 8734.. 3,826 8735.. 0 8736.. 0 17.al
(2) Gross negative fair value__________________________8737.. 6,287 8738.. 4,312 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 marked to market:
(1) Gross positive fair value_________________________8749.. 11,495 8750.. 0 8751.. 0 8752.. 0 17.c1
(2) Gross negative fair value_________________________8753.. 34,370 8754.. 0 8755.. 0 8756.. 0 17.c2
</TABLE>
<TABLE>
<CAPTION>
Memoranda
Dollar Amounts in Thousands
- ----------------------------------------------------------------------------------------------------------------------------------
RCFD
----
<S> <C> <C> <C>
1.-2. Not applicable______________________________________________________________________ . . . . . .
3. Unused commitments with an original maturity exceeding one year that are reported in
Schedule RC-L, items 1.a through 1.e, above (report only the unused portions of
commitments that are fee paid or otherwise legally binding)______________________________ 3833. . 3,336,356 M.3
RCFD
a. Participations in commitments with an original ----
maturity exceeding one year conveyed to others___________ 3834. . 58,699 . . . . . M.3a
4. To be completed only by banks with $1 billion or more in total assets:
Standby letters of credit and foreign office guarantees (both financial and performance)
issued to non-U.S. addressees (domicile) included in Schedule RC-L, items 2 and 3,
above____________________________________________________________________________________ 3377. . 150 M.4
5. Installment loans to individuals for household, family, and other personal expenditures
that have been securitized and sold without recourse (with servicing retained), amounts
outstanding by type of loan:
a. Loans to purchase private passenger automobiles (to be completed for the
September report only)________________________________________________________________ 2741. . N/A M.5.a
b. Credit cards and related plans (TO BE COMPLETED QUARTERLY)____________________________ 2742. . 0 M.5.b
c. All other consumer installment credit (including mobile home loans)(to be completed
for the September report only)________________________________________________________ 2743. . N/A M.5.c
</TABLE>
<PAGE>
Norwest Bank Minnesota, N.A. Call Date: 03/31/96 ST-BK: 27-4095 FFIEC 031
Sixth Street and Marquette Avenue Page RC-17
Minneapolis, MN 55479 Vendor ID: D CERT: 05208
27
Transit Number: 91000019
Schedule RC-M - Memoranda
<TABLE>
<CAPTION>
C465 (-
Dollar Amounts in Thousands
- ----------------------------------------------------------------------------------------------------------------------------------
<S> <C> <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:
RCFD
----
a. Aggregate amount of all extensions of credit to all executive officers, directors,
principal shareholders, and their related interests__________________________________ 6164. . 35,324 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 RCFD Number
lesser of $ 500,000 or 5 percent of total capital ---- ------
as defined for this purpose in agency regulations__________ 6165. . 6 . . . . . 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, items 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. To be completed only by banks with $1 billion or more in total assets:
Customers' liability to this bank on acceptances outstanding (sum of items 5.a and 5.b
must equal Schedule RC, item 9):
a. U.S. addressees (domicile)____________________________________________________________ 2103. . 19,935 5.a
b. Non-U.S. addressees (domicile)________________________________________________________ 2104. . 6,559 5.b
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. . 491 6.b.2
c. Goodwill______________________________________________________________________________ 3163. . 12,126 6.c
d. Total (sum of items 6.a through 6.c) (must equal Schedule RC, item 10)________________ 2143. . 12,617 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.
- --------------
(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.
</TABLE>
<PAGE>
Norwest Bank Minnesota Call Date: 03/31/96 ST-BK: 27-4095 FFIEC 031
Sixth Street and Marquette Avenue Page RC- 18
Minneapolis, MN 55479 Vendor ID: D CERT: 05208 28
Transit number: 91000019
Schedule RC-M - Continued
<TABLE>
<CAPTION>
Dollar Amounts in Thousands
- -------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C>
8. a. Other real estate owned: RCFD
----
(1) Direct and indirect investments in rest estate ventures _____________________________5372.. 0 8.a.1
(2) All other real estate owned: RCON
----
(a) Construction and land development in domestic offices____________________________5508.. 0 8.a.2a
(b) Farmland in domestic offices_____________________________________________________5509.. 0 8.a.2b
(c) 1-4 family residential properties in domestic offices____________________________5510.. 3,327 8.a.2c
(d) Multifamily (5 or more) residential properties in domestic offices_______________5511.. 0 8.a.2d
(e) Nonfarm nonresidential properties in domestic offices____________________________5512.. 180 8.a.2e
(f) In foreign RCFN
----
offices__________________________________________________________________________5513.. 0 8.a.2f
(3) Total (sum of items 8.a.(1) and 8.a.(2)) RCFD
----
(must equal Schedule RC, item 7)_____________________________________________________2150.. 3,507 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 in domestic offices during the quarter
(include proprietary, private label, and third party mutual funds):
RCON
----
a. Money market funds________________________________________________________________6441.. 3,324,154 10.a
b. Equity securities funds___________________________________________________________8427.. 0 10.b
c. Debt securities funds_____________________________________________________________8428.. 0 10.c
d. Other mutual funds________________________________________________________________8429.. 31,178 10.d
e. Annuities_________________________________________________________________________8430.. 12,612 10.e
f. Sales of proprietary mutual funds and annuities (included in items 10.a through
10.e above)_______________________________________________________________________8784.. 2,933,010 10.f
</TABLE>
MEMORANDUM
<TABLE>
<CAPTION>
Dollar Amounts in Thousands
- ------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C>
1. Interbank holdings of capital instruments (to be completed for the December report only): RCFD
----
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>
Call Date: 03/31/96 ST-BK: 27-4095 FFIEC 031
Page RC- 19
Norwest Bank Minnesota
Sixth Street and Marquette Avenue
Minneapolis, MN 55479 Vendor ID: D CERT: 05208 29
Transit Number: 91000019
SCHEDULE RC-N - PAST DUE AND NONACCRUAL LOANS, LEASES, AND OTHER ASSETS
The FFIEC regards the information reported in all of Memorandum item 1, in
items 1 through 10, column A, and in Memorandum items 2 through 4, column A, as
confidential.
<TABLE>
<CAPTION>
C470 (-
Dollar Amounts in Thousands
- -------------------------------------------------------------------------------------------------------------------------------
--(Column A)-- --(Column B)-- ----(Column C)-----
Past due 30 Past due 90
through 89 days or more Nonaccrual
days and still and still
accruing accruing
-------------- -------------- -------------------
<S> <C> <C> <C> <C> <C> <C> <C>
1. Loans secured by real estate: RCFD RCFD RCFD
---- ---- ----
a. To U.S. addressees (domicile)____________________________________1245.. 14,529 1246.. 2,904 1247.. 10, 623 1.a
b. To non-U.S. addressees (domicile)________________________________1248.. 0 1249.. 0 1250.. 0 1.b
2. Loans to depository institutions and acceptances of other banks:
a. To U.S. banks and other U.S.
depository institutions__________________________________________5377.. 0 5378.. 0 5379.. 0 2.a
b. To foreign banks_________________________________________________5380.. 0 5381.. 0 5382.. 0 2.b
3. Loans to finance agricultural production
and other loans to farmers__________________________________________1594.. 0 1597.. 2 1583.. 0 3.
4. Commercial and industrial loans:
a. To U.S. addressees (domicile)____________________________________1251.. 51,906 1252.. 0 1253.. 15,562 4.a
b. To non-U.S. addresses (domicile)_________________________________1254.. 0 1255.. 0 1256.. 0 4.b
5. Loans to individuals for household,
family, and other personal expenditures:
a. Credit cards and related plans___________________________________5383.. 288 5384.. 895 5385.. 0 5.a
b. Other (includes single payment,
installment, and all student loans)______________________________5386.. 7,182 5387.. 1,193 5388.. 98 5.b
6. Loans to foreign governments and
official institutions_______________________________________________5389.. 0 5390.. 0 5391.. 0 6.
7. All other loans_____________________________________________________5459.. 387 5460.. 38 5461.. 7,911 7.
8. Lease financing receivables:
a. Of U.S. addressees (domicile)____________________________________1257.. 0 1258.. 0 1259.. 14,576 8.a
b. Of non-U.S. addressees (domicile)________________________________1271.. 0 1272.. 0 1791.. 0 8.b
9. Debt securities and other assets (exclude
other real estate owned and other
repossessed assets)_________________________________________________3505.. 0 3506.. 0 3507.. 0 9.
- -------------------------------------------------------------------------------------------------------------------------------
- -------------------------------------------------------------------------------------------------------------------------------
Amounts reported in items 1 through 8 above include guaranteed and unguaranteed portions of past due and nonaccrual loans
and leases. Report in item 10 below certain guaranteed loans and leases that have already been included in the amounts
reported in items 1 through 8.
RCFD RCFD RCFD
---- ---- ----
10. Loans and leases reported in items 1
through 8 above which are wholly or
partially guaranteed by the U.S. Government_________________________5612.. 683 5613.. 50 56l4.. 507 l0.
a. Guaranteed portion of loans and leases
included in item 10 above________________________________________5615.. 559 5616.. 48 5617.. 328 l0.a
</TABLE>
<PAGE>
Call Date: 03/31/96 ST-BK: 27-4095 FFIEC 031
Page RC- 19
Norwest Bank Minnesota
Sixth Street and Marquette Avenue
Minneapolis, MN 55479 Vendor ID: D CERT: 05208 30
Transit Number: 91000019
SCHEDULE RC-N - Continued
Memoranda
<TABLE>
<CAPTION>
C473 (-
Dollar Amounts in Thousands
- -------------------------------------------------------------------------------------------------------------------------------
--(Column A)-- --(Column B)-- ----(Column C)-----
Past due 30 Past due 90
through 89 days or more Nonaccrual
days and still and still
accruing accruing
-------------- -------------- --------------------
<S> <C> <C> <C> <C> <C> <C> <C>
RCFD RCFD RCFD
---- ---- ----
1. Restructured loans and leases included in
Schedule RC-N, item 1 through 8, above
(and not reported in Schedule RC-C,
Part 1, Memorandum item 2)__________________________________________1658.. 0 1659.. 0 1661.. 0 M.1
2. Loans to finance commercial real estate,
construction, and land development
activities (not secured by real estate)
included in Schedule RC-N, items 4 and
7, above____________________________________________________________6558.. 0 6559.. 0 6560.. 0 M.2
3. Loans secured by real estate in domestic
offices (included in Schedule RC-N, item 1, above): RCON RCON RCON
---- ---- ----
a. Construction and land development________________________________2759.. 0 2769.. 0 3492.. 145 M.3a
b. Secured by farmland______________________________________________3493.. 89 3494.. 0 3495.. 0 M.3b
c. Secured by 1-4 family residential properties:
(1) Revolving, open-end loans secured by 1-4 family residential
properties and extended under lines of credit_____________5398.. 0 5399.. 146 5400.. 0 M.3c1
(2) All other loans secured by 1-4
family residential properties__________________________________5401.. 12,476 5402.. 2,758 5403.. 7,161 M.3c2
d. Secured by muLtifamiLy (5 or more)
residential properties_________________________________________3499.. 0 3500.. 0 3501.. 1,168 M.3d
a. Secured by nonfarm nonresidential
properties_____________________________________________________3502.. 1,964 3503.. 0 3504.. 2,149 M.3e
</TABLE>
<TABLE>
<CAPTION>
--(Column A)-- --(Column B)--
Past due 30 Past due 90
through 89 days days or more
<S> <C> <C>
RCFD RCFD
---- ----
4. Interest rate, foreign exchange rate,
and other commodity and equity contracts:
a. Book value of amounts carried as assets_________________________3522.. 0 3528.. 0 M.4.a
b. Replacement cost of contracts with a
positive replacement cost_____________________________________3529.. 0 3530.. 0 M.4.b
</TABLE>
<PAGE>
Norwest Bank Minnesota, N.A. Call Date: 03/31/96 ST-BK: 27-4095 FFIEC 031
Sixth Street and Marquette Avenue Page RC-21
Minneapolis, MN 55479 Vendor ID: D CERT: 05208
31
Transit Number: 91000019
Schedule RC-O - Other Data for Deposit Insurance Assessments
C475 (-
Dollar Amounts in Thousands
- --------------------------------------------------------------------------------
1. Unposted debits (see instructions): RCON
----
a. Actual amount of all unposted debits_________ 0030.. N/A 1.a
OR
b. Separate amount of unposted debits:
(1) Actual amount of unposted debits to
demand deposits__________________________ 0031.. 0 1.b1
(2) Actual amount of unposted debits to
time and savings deposits (1)____________ 0032.. 0 1.b2
2. Unposted credits (see instructions):
a. Actual amount of all unposted credits________ 3510.. N/A 2.a
OR
b. Separate amount of unposted credits:
(1) Actual amount of unposted credits to
demand deposits__________________________ 3512.. 0 2.b1
(2) Actual amount of unposted credits to
time and savings deposits (1)____________ 3514.. 0 2.b2
3. Uninvested trust funds (cash) held in bank's
own trust department (not included in total
deposits in domestic offices)___________________ 3520.. 0 3.
4. Deposits of consolidated subsidiaries in
domestic offices and in insured branches in
Puerto Rico and U.S. territories and possessions
(not included in total deposits):
a. Demand deposits of consolidated subsidiaries_ 2211.. 17,265 4.a
b. Time and savings deposits (1) of
consolidated subsidiaries____________________ 2351.. 0 4.b
c. Interest accrued and unpaid on deposits of
consolidated subsidiaries____________________ 5514.. 0 4.c
5. Deposits in insured branches in Puerto Rico and
U.S. territories and possessions:
a. Demand deposits in insured branches
(included in Schedule RC-E, Part II)_________ 2229.. 0 5.a
b. Time and savings deposits (1) in insured
branches (included in Schedule RC-E, Part
II)__________________________________________ 2383.. 0 5.b
c. Interest accrued and unpaid on deposits in
insured branches (included in Schedule RC-G,
item 1.b)____________________________________ 5515.. 0 5.c
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 RCON
(included in Schedule RC-E, Part I, ----
Memorandum item 4.a)_________________________ 2314.. 341 6.a
b. Amount reflected in time and savings
deposits (1) (included in Schedule RC-E,
Part I, Memorandum item 4.b)_________________ 2315.. 0 6.b
7. Unamortized premiums and discounts on time
and savings deposits:(1)
a. Unamortized premiums_________________________ 5516.. 59 7.a
b. Unamortized discounts________________________ 5517.. 28,532 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.. 2,403,177 8.
9. Deposits in lifeline accounts___________________ . . . . . . . 9.
10. Benefit-responsive "Depository Institution
Investment Contracts" (included in total
deposits in domestic offices)___________________ 8432.. 0 10.
_________
(1) For FDIC insurance assessment purposes, "time and savings deposits"
consists of nontransaction accounts and all transaction accounts other
than demand deposits.
<PAGE>
Norwest Bank Minnesota, N.A. Call Date: 03/31/96 ST-BK: 27-4095 FFIEC 031
Sixth Street and Marquette Avenue Page RC-22
Minneapolis, MN 55479 Vendor ID: D CERT: 05208
32
Transit Number: 91000019
Schedule RC-O - Continued
Dollar Amounts in Thousands
- --------------------------------------------------------------------------------
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 reporting 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
Memoranda
(to be completed each quarter except as noted) Dollar Amounts in Thousands
- --------------------------------------------------------------------------------
1. Total deposits in domestic offices of the bank
(sum of Memorandum items 1.a.(1) and 1.b.(1)
must equal Schedule RC, item 13.a): RCON
a. Deposit accounts of $100,000 or less: ----
(1) Amount of deposit accounts of
$100,000 or less_________________________ 2702.. 4,942,185 M.1a1
(2) Number of deposit accounts RCON Number
of $100,000 or less ---- ------
(to be completed
for the June report
only)___________________ 3779. . N/A . . . . . M.1a2
b. Deposit accounts of more than
$100,000:
(1) Amount of deposit accounts
of more than $100,000____________________ 2710.. 2,746,863 M.1b1
(2) Number of deposit RCON Number
accounts of more than ---- ------
$100,000________________ 2722. . 5,998 . . . . . M.1b2
2. Estimated amount of uninsured deposits in
domestic offices of the bank:
a. An estimate of your bank's uninsured
deposits can be determined by
multiplying the number of deposit
accounts of more than $100,000
reported in Memorandum item 1.b.(2)
above by $100,000 and subtracting
the result from the amount of deposit
accounts of more than $100,000
reported in Memorandum item 1.b.(1)
above.
Indicate in the appropriate box at the
right whether your bank has a method or
procedure for determining a better RCON YES NO
estimate of uninsured deposits than the ----
estimate described above ___________________ 6861.. X M.2.a
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
C477 (-
- --------------------------------------------------------------------------------
Person to whom questions about the Reports of Condition and Income should be
directed:
612 667 9895
Chris Hupp, SUPERVISOR REG REPORTING
- --------------------------------------------------------------------------------
Name and Title (TEXT 8901) Area code/phone number/extension (TEXT 8902)
<PAGE>
Norwest Bank Minnesota, N.A. Call Date: 03/31/96 ST-BK: 27-4095 FFIEC 31
Sixth Street and Marquette Avenue Page RC-23
Minneapolis, MN 55479 Vendor ID: D CERT: 05208
33
Transit Number: 91000019
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 C480 (-
of less than $1 billion. Indicate in the RCFD YES NO
appropriate box at the right whether the ---- --- --
bank has total capital greater than or
equal to eight percent of adjusted total
assets_____________________________________ 6056 N/A 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
- -------------------------------------------------------------------------------------------------------------------
(Column A) (Column B)
Subordinated Debt (1) and
Items 2 and 3 are to be completed by all banks. Intermediate Term Other Limited-Life
Preferred Stock Capital Instruments
-------------------------- ---------------------------
<S> <C> <C>
2. Subordinated debt(1) and other limited-life capital
instruments (original weighted average maturity of at
least five years) with a remaining maturity of: RCFD RCFD
---- ----
a. One year or less____________________________________3780.. 1,508 3736.. 0 2.a
b. Over one year through two years_____________________3781.. 8 3787.. 0 2.b
c. Over two years through three years__________________3782.. 8 3788.. 0 2.c
d. Over three years through four years_________________3783.. 8 3789.. 0 2.d
e. Over four years through five years__________________3784.. 8 3790.. 0 2.e
f. Over five years_____________________________________3785.. 160,155 3791.. 0 2.f
3. Amounts used in calculating regulatory capital ratios
(report amounts determined by the bank for its own
internal regulatory capital analyses): RCFD
----
a. Tier 1 capital___________________________________________________________________8274.. 1,114,626 3.a
b. Tier 2 capital___________________________________________________________________8275.. 301,688 3.bf
c. Total risk-based capital_________________________________________________________3792.. 1,416,314 3.c
d. Excess allowance for loan and lease losses_______________________________________A222.. 45,590 3.d
e. Risk-weighted assets_____________________________________________________________A223.. 11,275,633 3.e
f. "Average total assets"___________________________________________________________A224.. 17,534,721 3.f
</TABLE>
Items 4-9 and Memoranda items 1 and 2 are to be completed
by banks that answered NO to item 1 above and by banks
with total assets of $1 billion or more.
<TABLE>
<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> <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. RCFD RCFD
Government and its agencies and other OECD ---- ----
central governments______________________________ 3794.. 556,001 . . . . . . 4.a.1
(2) All other________________________________________ 3795.. 182,772 . . . . . . 4.a.2
b. Credit equivalent amount of off-balance sheet items__ . . . . . . 3796.. 0 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>
Page RC- 24
Call Date: 03/31/96 ST-SK: 27-4095 FFIEC 031
34
Norwest Bank Minnesota, N.A.
Sixth Street and Marquette Avenue
Minneapolis, MN 55479 Vendor ID: D CERT: 05208
Transit NUMBER: 91000019
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. RCFD RCFD
Government and its agencies and other OECD ---- ----
central governments_______________________________3798.. 769,044 . . . . . . 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.. 0 . . . . . . 5.a.2
(3) All other_________________________________________3800.. 6,597,084 . . . . . . 5.a.3
b. Credit equivalent amount of off-balance sheet items___ . . . . . . 3801.. 570,283 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.. 2,024,083 . . . . . . 6.a
b. Credit equivalent amount of off-balance sheet items___ . . . . . . 3803.. 125,737 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.. 6,583,563 . . . . . . 7.a
b. Credit equivalent amount of off-balance sheet items___ . . . . . . 3805.. 2,088,083 7.b
8. On-balance sheet asset values excluded from the
calculation of the risk-based capital ratio(2)___________3806.. 21,955 . . . . . . 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.. 16,734,502 . . . . . . 9.
</TABLE>
Memoranda
<TABLE>
<CAPTION>
Dollar Amounts in Thousands
- -------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C>
1. Current credit exposure across all off-balance sheet derivative contracts covered RCFD
by the risk-based capital standards_________________________________________________8764.. 22,275 M.1.
</TABLE>
<TABLE>
<CAPTION>
---------------------- 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) RCFD RCFD RCFD
a. Interest rate ---- ---- ----
contracts________________3809.. 2,190,447 8766.. 1,451,188 8767.. 570,083 M.2a
b. Foreign exchange
contracts________________3812.. 395,100 8769.. 36,627 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.
