<PAGE> 1
EXHIBIT 25.1
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SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
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FORM T-1
STATEMENT OF ELIGIBILITY UNDER THE
TRUST INDENTURE ACT OF 1939
OF A CORPORATION DESIGNATED TO ACT AS TRUSTEE
CHECK IF AN APPLICATION TO DETERMINE ELIGIBILITY
OF A TRUSTEE PURSUANT TO SECTION 305(b)(2) ____
----------------------
CHASE BANK OF TEXAS, NATIONAL ASSOCIATION
(Exact name of trustee as specified in its charter)
74-0800980
(I.R.S. Employer Identification Number)
712 MAIN STREET, HOUSTON, TEXAS 77002
(Address of principal executive offices) (Zip code)
LEE BOOCKER, 712 MAIN STREET, 26TH FLOOR
HOUSTON, TEXAS 77002 (713) 216-2448
(Name, address and telephone number of agent for service)
QUANTA SERVICES, INC.
(Exact name of obligor as specified in its charter)
DELAWARE 74-2851603
(State or other jurisdiction of (I.R.S. Employer
incorporation or organization) Identification Number)
1360 POST OAK BOULEVARD, SUITE 2100
HOUSTON, TEXAS 77056
(Address of principal executive offices) (Zip code)
DEBT SECURITIES
(Title of indenture securities)
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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, Washington, D.C.
Federal Deposit Insurance Corporation, Washington, D.C.
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 THE OBLIGOR.
IF THE OBLIGOR IS AN AFFILIATE OF THE TRUSTEE, DESCRIBE EACH
SUCH AFFILIATION.
The obligor is not an affiliate of the trustee.
(See Note on Page 7.)
ITEM 3. VOTING SECURITIES OF THE TRUSTEE.
FURNISH THE FOLLOWING INFORMATION AS TO EACH CLASS OF VOTING
SECURITIES OF THE TRUSTEE.
COL. A COL. B
TITLE OF CLASS AMOUNT OUTSTANDING
Not applicable by virtue of Form T-1 General Instruction B
and response to Item 13.
ITEM 4. TRUSTEESHIPS UNDER OTHER INDENTURES.
IF THE TRUSTEE IS A TRUSTEE UNDER ANOTHER INDENTURE UNDER
WHICH ANY OTHER SECURITIES, OR CERTIFICATES OF INTEREST OR PARTICIPATION IN ANY
OTHER SECURITIES, OF THE OBLIGOR ARE OUTSTANDING, FURNISH THE FOLLOWING
INFORMATION:
(a) TITLE OF THE SECURITIES OUTSTANDING UNDER EACH SUCH
OTHER INDENTURE.
Not applicable by virtue of Form T-1 General Instruction B
and response to Item 13.
ITEM 4. (CONTINUED)
<PAGE> 3
(b) A BRIEF STATEMENT OF THE FACTS RELIED UPON AS A BASIS FOR
THE CLAIM THAT NO CONFLICTING INTEREST WITHIN THE MEANING OF
SECTION 310(b)(1) OF THE ACT ARISES AS A RESULT OF THE
TRUSTEESHIP UNDER ANY SUCH OTHER INDENTURE, INCLUDING A
STATEMENT AS TO HOW THE INDENTURE SECURITIES WILL RANK AS
COMPARED WITH THE SECURITIES ISSUED UNDER SUCH OTHER
INDENTURE.
Not applicable by virtue of Form T-1 General Instruction B
and response to Item 13.
ITEM 5. INTERLOCKING DIRECTORATES AND SIMILAR RELATIONSHIPS WITH OBLIGOR OR
UNDERWRITERS.
IF THE TRUSTEE OR ANY OF THE DIRECTORS OR EXECUTIVE OFFICER OF
THE TRUSTEE IS A DIRECTOR, OFFICER, PARTNER, EMPLOYEE, APPOINTEE, OR
REPRESENTATIVE OF THE OBLIGOR OR OF ANY UNDERWRITER FOR THE OBLIGOR, IDENTIFY
EACH SUCH PERSON HAVING ANY SUCH CONNECTION AND STATE THE NATURE OF EACH SUCH
CONNECTION.
Not applicable by virtue of Form T-1 General Instruction B and
response to Item 13.
ITEM 6. VOTING SECURITIES OF THE TRUSTEE OWNED BY THE OBLIGOR OR ITS OFFICIALS.
FURNISH THE FOLLOWING INFORMATION AS TO THE VOTING SECURITIES
OF THE TRUSTEE OWNED BENEFICIALLY BY THE OBLIGOR AND EACH DIRECTOR, PARTNER AND
EXECUTIVE OFFICER OF THE OBLIGOR.
<TABLE>
<CAPTION>
COL. A COL. B COL. C COL. D
<S> <C> <C> <C>
PERCENTAGE OF
VOTING SECURITIES
REPRESENTED BY
AMOUNT OWNED AMOUNT GIVEN IN
NAME OF OWNER TITLE OF CLASS BENEFICIALLY COL. C
------------- -------------- ------------ ------
</TABLE>
Not applicable by virtue of Form T-1 General Instruction B and response to
Item 13.
ITEM 7. VOTING SECURITIES OF THE TRUSTEE OWNED BY UNDERWRITERS OR THEIR
OFFICIALS.
2
<PAGE> 4
FURNISH THE FOLLOWING INFORMATION AS TO THE VOTING SECURITIES
OF THE TRUSTEE OWNED BENEFICIALLY BY EACH UNDERWRITER FOR THE OBLIGOR AND EACH
DIRECTOR, PARTNER AND EXECUTIVE OFFICER OF EACH SUCH UNDERWRITER.
<TABLE>
<CAPTION>
COL. A COL. B COL. C COL. D
<S><C> <C> <C> <C>
PERCENTAGE OF
VOTING SECURITIES
REPRESENTED BY
AMOUNT OWNED AMOUNT GIVEN IN
NAME OF OWNER TITLE OF CLASS BENEFICIALLY COL. C
-------------- -------------- ------------ ------
</TABLE>
Not applicable by virtue of Form T-1 General Instruction B and response to
Item 13.
ITEM 8. SECURITIES OF THE OBLIGOR OWNED OR HELD BY THE TRUSTEE.
FURNISH THE FOLLOWING INFORMATION AS TO THE SECURITIES OF THE
OBLIGOR OWNED BENEFICIALLY OR HELD AS COLLATERAL SECURITY FOR OBLIGATIONS IN
DEFAULT BY THE TRUSTEE.
<TABLE>
<CAPTION>
COL. A COL. B COL. C COL. D
<S> <C> <C> <C> <C>
AMOUNT OWNED
WHETHER THE BENEFICIALLY OR PERCENT OF
SECURITIES HELD AS COLLATERAL CLASS
ARE VOTING SECURITY FOR REPRESENTED BY
OR NONVOTING OBLIGATIONS IN AMOUNT GIVEN IN
TITLE OF CLASS SECURITIES DEFAULT COL. C
-------------- ---------- ------- ------
</TABLE>
Not applicable by virtue of Form T-1 General Instruction B and response
to Item 13.
ITEM 9. SECURITIES OF UNDERWRITERS OWNED OR HELD BY THE TRUSTEE.
IF THE TRUSTEE OWNS BENEFICIALLY OR HOLDS AS COLLATERAL
SECURITY FOR OBLIGATIONS IN DEFAULT ANY SECURITIES OF AN UNDERWRITER FOR THE
OBLIGOR, FURNISH THE FOLLOWING
3
<PAGE> 5
INFORMATION AS TO EACH CLASS OF SECURITIES OF SUCH UNDERWRITER ANY OF WHICH ARE
SO OWNED OR HELD BY THE TRUSTEE.
<TABLE>
<CAPTION>
COL. A COL. B COL. C COL. D
<S> <C> <C> <C> <C>
AMOUNT OWNED
BENEFICIALLY OR PERCENT OF
HELD AS COLLATERAL CLASS
NAME OF ISSUER SECURITY FOR REPRESENTED BY
AND AMOUNT OBLIGATIONS IN AMOUNT GIVEN IN
TITLE OF CLASS OUTSTANDING DEFAULT BY TRUSTEE COL. C
-------------- ----------- ------------------ ------
</TABLE>
Not applicable by virtue of Form T-1 General Instruction B and response to
Item 13.
ITEM 10. OWNERSHIP OR HOLDINGS BY THE TRUSTEE OF VOTING SECURITIES OF CERTAIN
AFFILIATES OR SECURITY HOLDERS OF THE OBLIGOR.
IF THE TRUSTEE OWNS BENEFICIALLY OR HOLDS AS COLLATERAL
SECURITY FOR OBLIGATIONS IN DEFAULT VOTING SECURITIES OF A PERSON WHO, TO THE
KNOWLEDGE OF THE TRUSTEE (1) OWNS 10% OR MORE OF THE VOTING SECURITIES OF THE
OBLIGOR OR (2) IS AN AFFILIATE, OTHER THAN A SUBSIDIARY, OF THE OBLIGOR, FURNISH
THE FOLLOWING INFORMATION AS TO THE VOTING SECURITIES OF SUCH PERSON.
<TABLE>
<CAPTION>
COL. A COL. B COL. C COL. D
<S> <C> <C> <C> <C>
AMOUNT OWNED
BENEFICIALLY OR PERCENT OF
HELD AS COLLATERAL CLASS
NAME OF ISSUER SECURITY FOR REPRESENTED BY
AND AMOUNT OBLIGATIONS IN AMOUNT GIVEN IN
TITLE OF CLASS OUTSTANDING DEFAULT BY TRUSTEE COL. C
-------------- ----------- ------------------ ------
</TABLE>
Not applicable by virtue of Form T-1 General Instruction B and response to
Item 13.
ITEM 11. OWNERSHIP OR HOLDINGS BY THE TRUSTEE OF ANY SECURITIES OF A PERSON
OWNING 50% OR MORE OF THE VOTING SECURITIES OF THE OBLIGOR.
IF THE TRUSTEE OWNS BENEFICIALLY OR HOLDS AS COLLATERAL
SECURITY FOR OBLIGATIONS IN DEFAULT ANY SECURITIES OF A PERSON WHO, TO THE
KNOWLEDGE OF THE TRUSTEE, OWNS 50% OR MORE OF THE VOTING SECURITIES OF THE
OBLIGOR, FURNISH THE FOLLOWING INFORMATION AS TO EACH CLASS OF SECURITIES OR
SUCH PERSON ANY OF WHICH ARE SO OWNED OR HELD BY THE TRUSTEE.
4
<PAGE> 6
<TABLE>
<CAPTION>
COL. A COL. B COL. C COL. D
<S><C> <C> <C> <C>
AMOUNT OWNED
BENEFICIALLY OR PERCENT OF
HELD AS COLLATERAL CLASS
NAME OF ISSUER SECURITY FOR REPRESENTED BY
AND AMOUNT OBLIGATIONS IN AMOUNT GIVEN IN
TITLE OF CLASS OUTSTANDING DEFAULT BY TRUSTEE COL. C
-------------- ----------- ------------------ ------
</TABLE>
Not applicable by virtue of Form T-1 General Instruction B and response to
Item 13.
ITEM 12. INDEBTEDNESS OF THE OBLIGOR TO THE TRUSTEE.
EXCEPT AS NOTED IN THE INSTRUCTIONS, IF THE OBLIGOR IS
INDEBTED TO THE TRUSTEE, FURNISH THE FOLLOWING INFORMATION:
<TABLE>
<CAPTION>
COL. A COL. B COL. C
<S> <C> <C> <C>
NATURE OF AMOUNT
INDEBTEDNESS OUTSTANDING DATE DUE
------------ ----------- --------
</TABLE>
Not applicable by virtue of Form T-1 General Instruction B and response
to Item 13.
ITEM 13. DEFAULTS BY THE OBLIGOR.
(a) STATE WHETHER THERE IS OR HAS BEEN A DEFAULT WITH RESPECT TO
THE SECURITIES UNDER THIS INDENTURE. EXPLAIN THE NATURE OF ANY SUCH DEFAULT.
There is not, nor has there been, a default with respect to the
securities under this indenture. (See Note on Page 7.)
ITEM 13. (CONTINUED)
(b) IF THE TRUSTEE IS A TRUSTEE UNDER ANOTHER INDENTURE UNDER WHICH ANY
SECURITIES, OR CERTIFICATES OF INTEREST OR PARTICIPATION IN ANY OTHER
SECURITIES, OF THE OBLIGOR ARE OUTSTANDING, OR IS TRUSTEE FOR MORE THAN ONE
OUTSTANDING SERIES OF SECURITIES UNDER THE INDENTURE, STATE WHETHER THERE HAS
BEEN A DEFAULT UNDER ANY SUCH INDENTURE OR SERIES, IDENTIFY THE INDENTURE OR
SERIES AFFECTED, AND EXPLAIN THE NATURE OF ANY SUCH DEFAULT.
There has not been a default under any such indenture or series.
(See Note on Page 7.)
5
<PAGE> 7
ITEM 14. AFFILIATIONS WITH THE UNDERWRITERS.
IF ANY UNDERWRITER IS AN AFFILIATE OF THE TRUSTEE, DESCRIBE EACH SUCH
AFFILIATION.
Not applicable by virtue of Form T-1 General Instruction B and response
to Item 13.
ITEM 15. FOREIGN TRUSTEE.
IDENTIFY THE ORDER OR RULE PURSUANT TO WHICH THE FOREIGN TRUSTEE IS
AUTHORIZED TO ACT AS SOLE TRUSTEE UNDER INDENTURES QUALIFIED OR TO BE QUALIFIED
UNDER THE ACT.
Not applicable.
ITEM 16. LIST OF EXHIBITS.
LIST BELOW ALL EXHIBITS FILED AS PART OF THIS STATEMENT OF ELIGIBILITY.
o 1. A copy of the articles of association of the trustee now
in effect.
# 2. A copy of the certificate of authority of the trustee to
commence business.
* 3. A copy of the certificate of authorization of the
trustee to exercise corporate trust powers issued by the
Board of Governors of the Federal Reserve System under
date of January 21, 1948.
+ 4. A copy of the existing bylaws of the trustee.
5. Not applicable.
6. The consent of the United States institutional
trustees required by Section 321(b) of the Act.
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.
8. Not applicable.
9. Not applicable.
NOTE REGARDING INCORPORATED EXHIBITS
Effective January 20, 1998, the name of the Trustee was changed from
Texas Commerce Bank National Association to Chase Bank of Texas, National
Association. Certain of the exhibits incorporated herein by reference, except
for Exhibit 7, were filed under the former name of the Trustee.
6
<PAGE> 8
o Incorporated by reference to exhibit bearing the same designation and
previously filed with the Securities and Exchange Commission as exhibits to the
Form S-3 File No. 33-56195.
# Incorporated by reference to exhibit bearing the same designation and
previously filed with the Securities and Exchange Commission as exhibits to the
Form S-3 File No. 33-42814.
* Incorporated by reference to exhibit bearing the same designation and
previously filed with the Securities and Exchange Commission as exhibits to the
Form S-11 File No. 33-25132.
+ Incorporated by reference to exhibit bearing the same designation and
previously filed with the Securities and Exchange Commission as exhibits to the
Form S-3 File No. 33-65055.
NOTE
Inasmuch as this Form T-1 is filed prior to the ascertainment
by the trustee of all facts on which to base responsive answers to Items 2 and
13, the answers to said Items are based on incomplete information. Such Items
may, however, be considered as correct unless amended by an amendment to this
Form T-1.
SIGNATURE
PURSUANT TO THE REQUIREMENTS OF THE TRUST INDENTURE ACT OF 1939 THE
TRUSTEE, CHASE BANK OF TEXAS, NATIONAL ASSOCIATION, FORMERLY KNOWN AS TEXAS
COMMERCE BANK 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 AUTHORIZED, ALL IN THE CITY OF HOUSTON, AND STATE OF TEXAS, ON THE
20TH DAY OF JUNE, 2000.
CHASE BANK OF TEXAS, NATIONAL
ASSOCIATION, AS TRUSTEE
By: /s/ JOHN G. JONES
---------------------------
John G. Jones
Vice President
7
<PAGE> 9
EXHIBIT 6
Securities and Exchange Commission
Washington, D.C. 20549
Gentlemen:
The undersigned is trustee under a Senior Indenture between Quanta
Services, Inc., a Delaware corporation, as obligor (the "Company"), and Chase
Bank of Texas, National Association, as Trustee, entered into in connection with
the issuance of the Company's Debt Securities.
In accordance with Section 321(b) of the Trust Indenture Act of 1939,
the undersigned hereby consents that reports of examinations of the undersigned,
made by Federal or State authorities authorized to make such examinations, may
be furnished by such authorities to the Securities and Exchange Commission upon
its request therefor.
Very truly yours,
CHASE BANK OF TEXAS, NATIONAL
ASSOCIATION, as Trustee
By:
--------------------------
John G. Jones
Vice President
<PAGE> 10
<TABLE>
<S> <C> <C>
RC-01.A RCFD0081 Cash and Noninterest-bearing Balances 2606925
RC-01.B RCFD0071 Interest-bearing Balances 3860
RC-02.A RCFD1754 Securities Held-to-Maturity 93139
RC-02.B RCFD1773 Securities Available-for-sale 5203861
RC-03 RCFD1350 Fed Funds Sold & Secs Purchased 3517317
RC-04.A RCFD2122 Loans and Leases 12434834
RC-04.B RCFD3123 LESS: Allowance for Loan and Lease Lo 218669
RC-04.C RCFD3128 LESS: Allocated Transfer Risk Reserve 0
RC-04.D RCFD2125 Net Loans & Leases (Total) 12216165
RC-05 RCFD3545 Trading Assets 288752
RC-06 RCFD2145 Premises and Fixed Assets 691456
RC-07 RCFD2150 Other REO 1372
RC-08 RCFD2130 Investments in Unconsolidated Subsidi 3328
RC-09 RCFD2155 Customers' Liability on Acceptances 8414
RC-10 RCFD2143 Intangible Assets 310867
RC-11 RCFD2160 Other Assets 413316
RC-12 RCFD2170 Total Assets 25358772
RC-13.A RCON2200 Deposits: Domestic Offices 18398298
RC-13.A.1 RCON6631 Domestic Deposits: Noninterest-bearin 8298217
RC-13.A.2 RCON6636 Domestic Deposits: Interest-bearing 10100081
RC-13.B RCFN2200 Deposits: Foreign Offices 0
RC-13.B.1 RCFN6631 Foreign Deposits: Noninterest-bearing 0
RC-13.B.2 RCFN6636 Foreign Deposits: Interest-bearing 0
RC-14 RCFD2800 Fed Funds Purchased & Secs Sold 3215702
RC-15.A RCON2840 Demand Notes to US Treasury 417208
RC-15.B RCFD3548 Trading Liabilities 271966
RC-16.A RCFD2332 Other Borrowed Money: Maturity < 1yr 562723
RC-16.B RCFDA547 Other Borrowed Money: Mat. 1-3 YRS 0
RC-16.C RCFDA548 Other Borrowed Money: Maturity > 3yr 14208
RC-18 RCFD2920 Bank's Liability on Acceptances 8414
RC-19 RCFD3200 Subordinated Notes and Debentures 445000
RC-20 RCFD2930 Other Liabilities 231085
RC-21 RCFD2948 Total Liabilities 23564604
RC-23 RCFD3838 Perpetual Preferred Stock & Surplus 0
RC-24 RCFD3230 Common Stock 612893
RC-25 RCFD3839 Surplus 924674
RC-26.A RCFD3632 Undivided Profits/Capital Reserves 443723
RC-26.B RCFD8434 Unrealized holding gain(loss) secur. -187122
RC-26.C RCFD4336 Accm net gains(loss) on cash flow hedges 0
RC-27 RCFD3284 Foreign Currency Translation Adjustme 0
RC-28 RCFD3210 Total Equity Capital 1794168
RC-29 RCFD3300 Total Liabs, Pref. Stck, & Equity Cap 25358772
RC-M.1 RCFD6724 Auditor memo 2
RCA1.A RCFD0022 Consolidated Bank: Cash 2123712
RCA1.A.B RCON0020 Domestic Offices: Cash Items In Colle 1816324
RCA1.B.B RCON0080 Domestic Offices: Cash 307388
RCA2.A.A RCFD0083 Consolidated Bank: Due from US Branch 0
RCA2.B RCON0082 Domestic Offices: Due from US Deposit 380632
RCA2.B.A RCFD0085 Consolidated Bank: Due from Other Dep 380632
RCA3.A.A RCFD0073 Consolidated Bank: Due from Foreign U 6806
RCA3.B RCON0070 Domestic Offices: Due from Foreign Ba 15694
RCA3.B.A RCFD0074 Consolidated Bank: Due from Other For 8888
RCA4.A RCFD0090 Due from Fed Reserve Banks 90747
RCA4.B RCON0090 Domestic Offices: Due from Fed Reserv 90747
RCA5.A RCFD0010 Domestic Offices - Total 2610785
RCA5.B RCON0010 Consolidated Bank - Total 2610785
RCAM.1 RCON0050 Non-Int bearing bals due from US Bnks 377504
</TABLE>
<PAGE> 11
<TABLE>
<S> <C> <C>
RCB1.A RCFD0211 Held: Cost: US Treasury Securities 0
RCB1.B RCFD0213 Held: Value: US Treasury Securities 0
RCB1.C RCFD1286 Sale: Cost: US Treasury Securities 1424141
RCB1.D RCFD1287 Sale: Value: US Treasury Securities 1364373
RCB2.A.A RCFD1289 Held: Cost: Obligations US agencies 0
RCB2.A.B RCFD1290 Held: Value: Obligations US agencies 0
RCB2.A.C RCFD1291 Sale: Cost: Obligations US agencies 0
RCB2.A.D RCFD1293 Sale: Value: Obligations US agencies 0
RCB2.B.A RCFD1294 Held: Cost: Obligations US sponsored 36
RCB2.B.B RCFD1295 Held: Value: Obligations US sponsored 323
RCB2.B.C RCFD1297 Sale: Cost: Obligations US sponsored 251363
RCB2.B.D RCFD1298 Sale: Value: Obligations US sponsored 230758
RCB3.A.A RCFD1676 Held: Cost: General Obligations 130
RCB3.A.B RCFD1677 Held: Value: General Obligations 130
RCB3.A.C RCFD1678 Sale: Cost: General Obligations 0
RCB3.A.D RCFD1679 Sale: Value: General Obligations 0
RCB3.B.A RCFD1681 Held: Cost: Revenue Obligations 0
RCB3.B.B RCFD1686 Held: Value: Revenue Obligations 0
RCB3.B.C RCFD1690 Sale: Cost: Revenue Obligations 0
RCB3.B.D RCFD1691 Sale: Value: Revenue Obligations 0
RCB3.C.A RCFD1694 Held: Cost: Industrial Obligations 0
RCB3.C.B RCFD1695 Held: Value: Industrial Obligations 0
RCB3.C.C RCFD1696 Sale: Cost: Industrial Obligations 0
RCB3.C.D RCFD1697 Sale: Value: Industrial Obligations 0
RCB4.A.1.A RCFD1698 Held: Cost: Security Guaranteed GNMA 0
RCB4.A.1.B RCFD1699 Held: Value: Security Guaranteed GNMA 0
RCB4.A.1.C RCFD1701 Sale: Cost: Security Guaranteed GNMA 777948
RCB4.A.1.D RCFD1702 Sale: Value: Security Guaranteed GNMA 740841
RCB4.A.2.A RCFD1703 Held: Cost: Security Issued FNMA 92973
RCB4.A.2.B RCFD1705 Held: Value: Security Issued FNMA 91272
RCB4.A.2.C RCFD1706 Sale: Cost: Security Issued FNMA 2996660
RCB4.A.2.D RCFD1707 Sale: Value: Security Issued FNMA 2821762
RCB4.A.3.A RCFD1709 Held: Cost: Other Pass-Through Secs 0
RCB4.A.3.B RCFD1710 Held: Value: Other Pass-Through Secs 0
RCB4.A.3.C RCFD1711 Sale: Cost: Other Pass-Through Secs 0
RCB4.A.3.D RCFD1713 Sale: Value: Other Pass-Through Secs 0
RCB4.B.1.A RCFD1714 Held: Cost: Issued/Guar. FNMA, Etc. 0
RCB4.B.1.B RCFD1715 Held: Value: Issued/Guar. FNMA, Etc. 0
RCB4.B.1.C RCFD1716 Sale: Cost: Issued/Guar. FNMA, Etc. 0
RCB4.B.1.D RCFD1717 Sale: Value: Issued/Guar. FNMA, Etc. 0
RCB4.B.2.A RCFD1718 Held: Cost: Collateralized MBS -FNMA 0
RCB4.B.2.B RCFD1719 Held: Value: Collateralized MBS -FNMA 0
RCB4.B.2.C RCFD1731 Sale: Cost: Collateralized MBS -FNMA 0
RCB4.B.2.D RCFD1732 Sale: Value: Collateralized MBS -FNMA 0
RCB4.B.3.A RCFD1733 Held: Cost: All Other MBS 0
RCB4.B.3.B RCFD1734 Held: Value: All Other MBS 0
RCB4.B.3.C RCFD1735 Sale: Cost: All Other MBS 0
RCB4.B.3.D RCFD1736 Sale: Value: All Other MBS 0
RCB5.A.A RCFD1737 Held: Cost: Other Domestic Debt Sec. 0
RCB5.A.B RCFD1738 Held: Value: Other Domestic Debt Sec. 0
RCB5.A.C RCFD1739 Sale: Cost: Other Domestic Debt Sec. 0
RCB5.A.D RCFD1741 Sale: Value: Other Domestic Debt Sec. 0
RCB5.B.A RCFD1742 Held: Cost: Foreign Debt Securities 0
RCB5.B.B RCFD1743 Held: Value: Foreign Debt Securities 0
RCB5.B.C RCFD1744 Sale: Cost: Foreign Debt Securities 0
RCB5.B.D RCFD1746 Sale: Value: Foreign Debt Securities 0
RCB6.A.C RCFDA510 Sale: Cost: Securities Mutual Funds 0
</TABLE>
<PAGE> 12
<TABLE>
<S> <C> <C>
RCB6.A.D RCFDA511 Sale: Value: Securities Mutual Funds 0
RCB6.B.C RCFD1752 Sale: Cost: Other Equity Securities 46127
RCB6.B.D RCFD1753 Sale: Value: Other Equity Securities 46127
RCB7.A RCFD1754 Total Held-to-maturity - Amort Cost 93139
RCB7.B RCFD1771 Total Held-to-maturity - Fair Value 91725
RCB7.C RCFD1772 Total Avail-for-sale - Amort Cost 5496239
RCB7.D RCFD1773 Total Avail-for-sale - Fair Value 5203861
RCBM.1 RCFD0416 Pledged 1625934
RCBM.2.A.1 RCFDA549 Memoranda: Non-Mort Debt < 3 MO 667
RCBM.2.A.2 RCFDA550 Memoranda: Non-Mort Debt 3-12 MO 92787
RCBM.2.A.3 RCFDA551 Memoranda: Non-Mort Debt 1-3 YRS 65
RCBM.2.A.4 RCFDA552 Memoranda: Non-Mort Debt 3-5 YRS 788361
RCBM.2.A.5 RCFDA553 Memoranda: Non-Mort Debt 5-15 YRS 713382
RCBM.2.A.6 RCFDA554 Memoranda: Non-Mort Debt > 15 YRS 36
RCBM.2.B.1 RCFDA555 Memoranda: Mort Pass Thru < 3 MO 26
RCBM.2.B.2 RCFDA556 Memoranda: Mort Pass Thru 3-12 MO 78603
RCBM.2.B.3 RCFDA557 Memoranda: Mort Pass Thru 1-3 YRS 16058
RCBM.2.B.4 RCFDA558 Memoranda: Mort Pass Thru 3-5 YRS 44
RCBM.2.B.5 RCFDA559 Memoranda: Mort Pass Thru 5-15 YRS 453676
RCBM.2.B.6 RCFDA560 Memoranda: Mort Pass Thru > 15 YRS 3107168
RCBM.2.C.1 RCFDA561 Memoranda: Other Mort-backed < 3 YRS 0
RCBM.2.C.2 RCFDA562 Memoranda: Other Mort-backed > 3 YRS 0
RCBM.2.D RCFDA248 Memoranda: Tot Debt < 1 YR 139476
RCBM.7 RCFD1778 Amortized Cost Held Securities Sold 0
RCBM.9.A RCFD8782 Structured Notes - Amortized Cost 0
RCBM.9.B RCFD8783 Structured Notes - Fair Value 0
RCC01.A RCFD1410 Consolidated RE Loans 2417895
RCC01.A.B RCON1415 Domestic Const/Development Loans 524733
RCC01.B.B RCON1420 Domestic Secured by Farmland 8325
RCC01.C.1B RCON1797 Domestic Secured by 1-4 Revolving 0
RCC01.C.2A RCON5367 Domestic Secured by 1-4 Other 799646
RCC01.C.2B RCON5368 Domestic Secured by 1-4 Other 518390
RCC01.D.B RCON1460 Domestic Secured by 5+ 71649
RCC01.E.B RCON1480 Domestic Secured by Nonfarm Nonreside 495152
RCC02.A.B RCON1505 Domestic to US Coml Banks 1465
RCC02.A1.A RCFD1506 Consolidated to US Branches of Forei 1125
RCC02.A2.A RCFD1507 Consolidated to Other US Coml Banks 340
RCC02.B.A RCFD1517 Consolidated to Other Dep'y in US 10028
RCC02.B.B RCON1517 Domestic to Other Dep'y in US 10028
RCC02.C.B RCON1510 Domestic to Foreign Banks 0
RCC02.C1.A RCFD1513 Consolidated to For Branches US Bank 0
RCC02.C2.A RCFD1516 Consolidated to Foreign Banks 0
RCC03.A RCFD1590 Consolidated to Farmers 52389
RCC03.B RCON1590 Domestic to Farmers 52389
RCC04.A.A RCFD1763 Consolidated US Coml 6361490
RCC04.A.B RCON1763 Domestic US Coml 6361490
RCC04.B.A RCFD1764 Consolidated non-US Coml 192500
RCC04.B.B RCON1764 Domestic non-US Coml 192500
RCC05.A.A RCFD1756 Consolidated Accep's of US Banks 0
RCC05.A.B RCON1756 Domestic Accep's of US Bank 0
RCC05.B.A RCFD1757 Consolidated Accep's of Foreign Banks 0
RCC05.B.B RCON1757 Domestic Accep's of Foreign Banks 0
RCC06.A.A RCFD2008 Consolidated Credit Cards 101282
RCC06.B RCON1975 Domestic Consumer 1314916
RCC06.B.A RCFD2011 Consolidated Other Consumer 1213634
RCC07.A RCFD2081 Consolidated Loans to For Govts 5636
RCC07.B RCON2081 Domestic Loans to For Govts 5636
</TABLE>
<PAGE> 13
<TABLE>
<S> <C> <C>
RCC08.A RCFD2107 Consolidated Obligations US 12777
RCC08.B RCON2107 Domestic Obligations US 12777
RCC09.A RCFD1563 Consolidated Other 2022033
RCC09.A.B RCON1545 Domestic Loans for Securities 32003
RCC09.B.B RCON1564 Domestic Other 1990030
RCC10.A.A RCFD2182 Consolidated US Leases 43705
RCC10.B RCON2165 Domestic Leases 43705
RCC10.B.A RCFD2183 Consolidated For Leases 0
RCC11.A RCFD2123 LESS: Consolidated Unearned Income 0
RCC11.B RCON2123 LESS: Domestic Unearned Income 0
RCC12.A RCFD2122 Total Loans & Leases (Consolidated) 12434834
RCC12.B RCON2122 Total Loans & Leases (Domestic) 12434834
RCCM.2.A1A RCFD1687 Cons Restruc'd US RE 0
RCCM.2.A2A RCFD1689 Cons Restruc'd non-US RE 0
RCCM.2.B.A RCFD8691 Cons Restruc'd - All Other Loan/Lease 0
RCCM.2.C.A RCFD8692 Cons Restruc'd - Non-U.S. Addressees 0
RCCM.3.A.1 RCONA564 Memo: Loans Secd by Real Est < 3 MO 82858
RCCM.3.A.2 RCONA565 Memo: Loans Secd by Real Est 3-12 MO 121453
RCCM.3.A.3 RCONA566 Memo: Loans Secd by Real Est 1-3 YRS 172932
RCCM.3.A.4 RCONA567 Memo: Loans Secd by Real Est 3-5 YRS 119442
RCCM.3.A.5 RCONA568 Memo: Loans Secd by Real Est 5-15 YRS 112857
RCCM.3.A.6 RCONA569 Memo: Loans Secd by Real Est > 15 YRS 181808
RCCM.3.B.1 RCFDA570 Memo: Other Loans/Leases < 3 MO 8290198
RCCM.3.B.2 RCFDA571 Memo: Other Loans/Leases 3-12 MO 1475023
RCCM.3.B.3 RCFDA572 Memo: Other Loans/Leases 1-3 YRS 721273
RCCM.3.B.4 RCFDA573 Memo: Other Loans/Leases 3-5 YRS 529358
RCCM.3.B.5 RCFDA574 Memo: Other Loans/Leases 5-15 YRS 461045
RCCM.3.B.6 RCFDA575 Memo: Other Loans/Leases > 15 YRS 40091
RCCM.3.C RCFDA247 Memo: Tot Remg Loans/Leases < 1 YR 5050764
RCCM.3.D RCONA577 Memo: Non-Farm/Res Loans/Leases > 5YR 161107
RCCM.3.E RCFDA578 Memo: Comm/Indust > 3 YRS 2265362
RCCM.4 RCFD2746 Loans to fin. comm. real est., constr 654418
RCCM.5 RCFD5369 Loans & leases held for sale 42742
RCCM.6 RCON5370 Adj. rate closed-end loans secured 73949
RCCP2.01 RCON6999 YES/NO - RCC01.E & RCC04 >= $ 100,000 0
RCCP2.02AA RCON5562 Number of Loans RCC01.E N/A
RCCP2.02BA RCON5563 Number of Loans RCC04 N/A
RCCP2.03AA RCON5564 Number of Loans RCC01.E Orig <= $100K N/A
RCCP2.03AB RCON5565 Amount of Loans RCC01.E Orig <= $100K N/A
RCCP2.03BA RCON5566 # of Loans RCC01.E $100K<Orig<=$250K N/A
RCCP2.03BB RCON5567 $ of Loans RCC01.E $100K<Orig<=$250K N/A
RCCP2.03CA RCON5568 # of Loans RCC01.E $250K < Orig <=$1M N/A
RCCP2.03CB RCON5569 $ of Loans RCC01.E $250K < Orig <=$1M N/A
RCCP2.04AA RCON5570 Number of Loans RCC04 Orig <= $100K N/A
RCCP2.04AB RCON5571 Amount of Loans RCC04 Orig <= $100K N/A
RCCP2.04BA RCON5572 # of Loans RCC04 $100K< Orig <= $250K N/A
RCCP2.04BB RCON5573 $ of Loans RCC04 $100K< Orig <= $250K N/A
RCCP2.04CA RCON5574 # of Loans RCC04 $250K < Orig <= $1M N/A
RCCP2.04CB RCON5575 $ of Loans RCC04 $250K < Orig <= $1M N/A
RCCP2.05 RCON6860 YES/NO - RCC01.B & RCC03 >= $ 100,000 0
RCCP2.06AA RCON5576 Number of Loans RCC01.B N/A
RCCP2.06BA RCON5577 Number of Loans RCC03 N/A
RCCP2.07AA RCON5578 Number of Loans RCC01.B Orig <= $100K N/A
RCCP2.07AB RCON5579 Amount of Loans RCC01.B Orig <= $100K N/A
RCCP2.07BA RCON5580 # of Loans RCC01.B $100K<Orig<=$250K N/A
RCCP2.07BB RCON5581 $ of Loans RCC01.B $100K<Orig<=$250K N/A
RCCP2.07CA RCON5582 # of Loans RCC01.B $250K <Orig<=$500K N/A
</TABLE>
<PAGE> 14
<TABLE>
<S> <C> <C>
RCCP2.07CB RCON5583 $ of Loans RCC01.B $250K <Orig<=$500K N/A
RCCP2.08AA RCON5584 Number of Loans RCC03 - Orig <= $100K N/A
RCCP2.08AB RCON5585 Amount of Loans RCC03 - Orig <= $100K N/A
RCCP2.08BA RCON5586 # of Loans RCC03 - $100K<Orig<=$250K N/A
RCCP2.08BB RCON5587 $ of Loans RCC03 - $100K<Orig<=$250K N/A
RCCP2.08CA RCON5588 # of Loans RCC03 - $250K <Orig<=$500K N/A
RCCP2.08CB RCON5589 $ of Loans RCC03 - $250K <Orig<=$500K N/A
RCD01 RCON3531 US Treasury securities 0
RCD02 RCON3532 US Govt agency obligations 0
RCD03 RCON3533 Securities issued by State and Subdiv 0
RCD04.A RCON3534 Pass-through secs by FNMA/FHLMC/GNMA 0
RCD04.B RCON3535 CMOs and REMICs issued by FNMA/FHLMC 0
RCD04.C RCON3536 All other mortgage-backed securities 0
RCD05 RCON3537 Other debt securities 0
RCD09 RCON3541 Other trading assets domestic 10812
RCD10 RCFN3542 Trading assets foreign 0
RCD11.A RCON3543 Gains on rate & contracts domestic 277940
RCD11.B RCFN3543 Gains on rate & contracts foreign 0
RCD12 RCFD3545 Total Trading Assets 288752
RCD13 RCFD3546 Liability for short positions 0
RCD14 RCFD3547 Losses on rate & contracts 271966
RCD15 RCFD3548 Total trading liabilities 271966
RCE1.1.A RCON2201 Private Transaction 5206313
RCE1.1.B RCON2240 Private Demand Deposits 4849255
RCE1.1.C RCON2346 Private Nontransaction 12402982
RCE1.2.A RCON2202 USG Transaction 7580
RCE1.2.B RCON2280 USG Demand Deposits 2615
RCE1.2.C RCON2520 USG Nontransaction 0
RCE1.3.A RCON2203 State/Local Transaction 107621
RCE1.3.B RCON2290 State/Local Demand Deposits 60012
RCE1.3.C RCON2530 State/Local Nontransaction 96653
RCE1.4.A RCON2206 US Coml Banks Transaction 414845
RCE1.4.B RCON2310 US Coml Banks Demand Deposits 414845
RCE1.4.C RCON2550 US Coml Banks Nontransaction 0
RCE1.5.A RCON2207 Other US Dep'y Transaction 65780
RCE1.5.B RCON2312 Other US Dep'y Demand Deposits 65780
RCE1.5.C RCON2349 Other US Dep'y Nontransaction 0
RCE1.6.A RCON2213 For Banks Transaction 27088
RCE1.6.B RCON2320 For Banks Demand Deposits 27088
RCE1.6.C RCON2236 For Branches US Banks Nontransaction 0
RCE1.7.A RCON2216 For Govt Transaction 846
RCE1.7.B RCON2300 For Govt Demand Deposits 846
RCE1.7.C RCON2377 For Govt Nontransaction 0
RCE1.8.A RCON2330 Certified Checks: Transaction 68590
RCE1.8.B RCON2330 Certified Checks: Demand 68590
RCE1.9.A RCON2215 Total Transaction Accounts 5898663
RCE1.9.B RCON2210 Total Demand Deposits 5489031
RCE1.9.C RCON2385 Total Nontransaction Accounts 12499635
RCE1.M.1.A RCON6835 IRA/Keogh 581333
RCE1.M.1.B RCON2365 Brokered 0
RCE1.M.1.E RCON5590 Memoranda: Preferred Deposits N/A
RCE1.M.1C1 RCON2343 Brokered < $100K 0
RCE1.M.1C2 RCON2344 Brokered Participated to < $100K 0
RCE1.M.1D1 RCONA243 Matur data:denom < 100k,matur<= 1 yr 0
RCE1.M.1D2 RCONA244 Matur data:denom =>100k,matur<= 1 yr 0
RCE1.M.2.B RCON6648 Time Deposits < $100K 1995512
RCE1.M.2.C RCON2604 Memoranda: Time Deposits >=$100 000 1173114
</TABLE>
<PAGE> 15
<TABLE>
<S> <C> <C>
RCE1.M.2A1 RCON6810 MMDAs 5647996
RCE1.M.2A2 RCON0352 Other Savings 3683013
RCE1.M.3 RCON2398 NOW 409632
RCE1.M.5A1 RCONA579 Memo: Time Deps < 100K < 3 MO 506767
RCE1.M.5A2 RCONA580 Memo: Time Deps < 100K 3-12 MO 1101698
RCE1.M.5A3 RCONA581 Memo: Time Deps < 100K 1-3 YRS 315507
RCE1.M.5A4 RCONA582 Memo: Time Deps < 100K > 3 YRS 71540
RCE1.M.5B RCONA241 Memo: Time Deps < 100K < 1 YR 1608465
RCE1.M.6A1 RCONA584 Memo: Time Deps > 100K < 3 MO 581765
RCE1.M.6A2 RCONA585 Memo: Time Deps > 100K 3-12 MO 461178
RCE1.M.6A3 RCONA586 Memo: Time Deps > 100K 1-3 YRS 98312
RCE1.M.6A4 RCONA587 Memo: Time Deps > 100K > 3 YRS 31859
RCE1.M.6B RCONA242 Memo: Time Deps > 100K < 1 YR 1042943
RCE2.1 RCFN2621 Private 0
RCE2.2 RCFN2623 US Banks 0
RCE2.3 RCFN2625 For Banks 0
RCE2.4 RCFN2650 For Govts 0
RCE2.5 RCFN2330 Certified Checks 0
RCE2.6 RCFN2668 Other 0
RCE2.7 RCFN2200 Total Deps in Foreign Offices 0
RCE2.M.1 RCFNA245 Memo:TD with remaining maturity<=1 yr" 0
RCF1 RCFD2164 Income Earned Not Collected Loans 72190
RCF2 RCFD2148 Net Deferred Tax Assets 165475
RCF3.A RCFDA519 Interest Only Strip: Mortgage Loans 0
RCF3.B RCFDA520 Interest Only Strip: Other Assets 0
RCF4 RCFD2168 Other Assets 175651
RCF4.A RCFD3549 Other Assets - Line A N/A
RCF4.B RCFD3550 Other Assets - Line B N/A
RCF4.C RCFD3551 Other Assets - Line C N/A
RCF5 RCFD2160 Total Other Assets 413316
RCFM.1 RCFD5610 Memo: Deferred Tax Assets Disallowed 0
RCG1.A RCON3645 Expenses Accrued and Unpaid on deposi 18429
RCG1.B RCFD3646 Other Expenses Accrued and Unpaid 173969
RCG2 RCFD3049 Net Deferred Tax Liabilities 0
RCG3 RCFD3000 Minority Interest in Subsidiaries 0
RCG4 RCFD2938 Other Liabilities 38687
RCG4.A RCFD3552 Other Liabilities - Line A N/A
RCG4.B RCFD3553 Other Liabilities - Line B N/A
RCG4.C RCFD3554 Other Liabilities - Line C N/A
RCG5 RCFD2930 Total Other Liabilities 231085
RCH01 RCON2155 Customers' Liability on Acceptances 8414
RCH02 RCON2920 Bank's Liability on Acceptances 8414
RCH03 RCON1350 Fed Funds Sold 3517317
RCH04 RCON2800 Fed Funds Purchased 3215702
RCH05 RCON3190 Other Borrowed Money 576931
RCH06 RCON2163 Net Due from Own For Offices N/A
RCH07 RCON2941 Net Due to Own For Offices N/A
RCH08 RCON2192 Total Assets 25358772
RCH09 RCON3129 Total Liabilities 23564604
RCH10 RCON1039 US Treasury Securities 1424141
RCH11 RCON1041 US Government agency obligations 251399
RCH12 RCON1042 There is no description for this item 130
RCH13.A.1 RCON1043 MBS: Pass-Through: FNMA/FHLMC/GNMA 3867581
RCH13.A.2 RCON1044 MBS: Pass-Through: Other Pass-Through 0
RCH13.B.1 RCON1209 MBS: Other MBS: FNMA/FHLMC/GNMA 0
RCH13.B.2 RCON1280 MBS: Other MBS: All Other MBS 0
RCH14 RCON1281 Other Domestic Debt Securities 0
</TABLE>
<PAGE> 16
<TABLE>
<S> <C> <C>
RCH15 RCON1282 Foreign Debt Securities 0
RCH16.A RCONA510 Equity Securities: Mutual Fund/Eq Sec 0
RCH16.B RCON1752 Equity Securities: All others 46127
RCH17 RCON1374 Total Securities Held and Sale 5589378
RCHM.1 RCON3051 Net Due from Own IBF N/A
RCHM.2 RCON3059 Net Due to Own IBF N/A
RCI1 RCFN2133 Total IBF Assets N/A
RCI2 RCFN2076 Total IBF Loans/Leases N/A
RCI3 RCFN2077 IBF Coml/Indl N/A
RCI4 RCFN2898 Total IBF Liabilities N/A
RCI5 RCFN2379 IBF Deposit Liabilities Due to Banks N/A
RCI6 RCFN2381 Other IBF Deposit Liabilities N/A
RCK01 RCFD3381 Interest-bearing Balances 3854
RCK02 RCFD3382 US Govt/Treasury 5462641
RCK03 RCFD3383 State/Local Securities 130
RCK04.A RCFD3647 Other debt Securities 0
RCK04.B RCFD3648 Other equity Securities 46127
RCK05 RCFD3365 Fed Funds Sold 2422094
RCK06.A.1 RCON3360 Total Loans 12437444
RCK06.A.2 RCON3385 RE Loans 2417779
RCK06.A.3 RCON3386 Agricultural & Farm Loans 49246
RCK06.A.4 RCON3387 Commercial/Industrial Loans 6579787
RCK06.A.5 RCON3388 Consumer Loans 1392081
RCK06.B RCFN3360 Foreign Office Loans 0
RCK07 RCFD3401 Assets Held in Trading Accounts 135308
RCK08 RCFD3484 Lease Fin'g Receivables 44752
RCK09 RCFD3368 Total Assets 23879141
RCK10 RCON3485 Domestic Transaction Accounts 340611
RCK11.A RCON3486 MMDAs 5081800
RCK11.B RCON3487 Other Savings 3602666
RCK11.C RCONA514 Time Deposits >= $100,000 1185861
RCK11.D RCONA529 Time Deposits < $100,000 2039482
RCK12 RCFN3404 Interest-bearing Deposits in For Offi 0
RCK13 RCFD3353 Fed Funds Purchased 2546438
RCK14 RCFD3355 Other Borrowed Money 923849
RCL01.A RCFD3814 Unused Commits: Revolv Lines Secured 0
RCL01.B RCFD3815 Unused Commits: Credit Card Lines 0
RCL01.C.1 RCFD3816 Unused Commits: Fund loans secured 192183
RCL01.C.2 RCFD6550 Unused Commits: Fund loans not secure 616895
RCL01.D RCFD3817 Unused Commits: Securities Underwrit 0
RCL01.E RCFD3818 Unused Commits: Other Unused Commits 8506113
RCL02 RCFD3819 Fincl Standby Letters of Credit 1771682
RCL02.A RCFD3820 Amount Fincl Standby Letters Conveyed 85921
RCL03 RCFD3821 Perfm Standby Letters of Credit 228786
RCL03.A RCFD3822 Amount Perfm Standby Letters Conveyed 484
RCL04 RCFD3411 Commercl & Similar Letters of Credit 93496
RCL05 RCFD3428 Participations in Acceptncs Conveyed 0
RCL06 RCFD3429 Participations in Acceptncs Acquired 0
RCL07 RCFD3432 Securities Borrowed 0
RCL08 RCFD3433 Securities Lent 0
RCL09.A.1 RCFDA521 1-4 Family: Outstanding Balance 0
RCL09.A.2 RCFDA522 1-4 Family: Amount of Recourse 0
RCL09.B.1 RCFDA523 Other Assets: Outstanding Balance 0
RCL09.B.2 RCFDA524 Other Assets: Amount of Recourse 0
RCL09.C.1 RCFDA249 Sml busns obligations:Outstanding bal" 0
RCL09.C.2 RCFDA250 Sml busns obligations:retaind recours 0
RCL10.A RCFDA534 Credit Derivatives: Guarantor 0
</TABLE>
<PAGE> 17
<TABLE>
<S> <C> <C>
RCL10.B RCFDA535 Credit Derivatives: Beneficiary 0
RCL11 RCFD8765 Spot Foreign Exchange Contracts 918088
RCL12 RCFD3430 All Other Off-Balance Sheet Liabs 0
RCL12.A RCFD3555 Other Off-Balance Sheet Liabilities-A N/A
RCL12.B RCFD3556 Other Off-Balance Sheet Liabilities-B N/A
RCL12.C RCFD3557 Other Off-Balance Sheet Liabilities-C N/A
RCL12.D RCFD3558 Other Off-Balance Sheet Liabilities-D N/A
RCL13 RCFD5591 All Other Off-Balance Sheet Assets 0
RCL13.A RCFD5592 Other Off-Balance Sheet Assets - A N/A
RCL13.B RCFD5593 Other Off-Balance Sheet Assets - B N/A
RCL13.C RCFD5594 Other Off-Balance Sheet Assets - C N/A
RCL13.D RCFD5595 Other Off-Balance Sheet Assets - D N/A
RCL14.A.A RCFD8693 Int Rate Contracts - Gross Futures 95000
RCL14.A.B RCFD8694 Forgn Exch Contracts - Gross Futures 0
RCL14.A.C RCFD8695 Equity Contracts - Gross Futures 0
RCL14.A.D RCFD8696 Commodity Contracts - Gross Futures 0
RCL14.B.A RCFD8697 Int Rate Contracts - Gross Forwards 0
RCL14.B.B RCFD8698 Forgn Exch Contracts - Gross Forwards 1586398
RCL14.B.C RCFD8699 Equity Contracts - Gross Forwards 0
RCL14.B.D RCFD8700 Commodity Contracts - Gross Forwards 0
RCL14.C.1A RCFD8701 Int Rate Contracts - Exchg Trad Wrttn 0
RCL14.C.1B RCFD8702 Forgn Exch Contracts - Exchg Trad Wrt 0
RCL14.C.1C RCFD8703 Equity Contracts - Exchg Trad Written 0
RCL14.C.1D RCFD8704 Commodity Contracts - Exchg Trad Wrtn 0
RCL14.C.2A RCFD8705 Int Rate Contracts - Exchg Trad Purch 0
RCL14.C.2B RCFD8706 Forgn Exch Contracts - Exchg Trad Pur 0
RCL14.C.2C RCFD8707 Equity Contracts - Exchg Trad Purchas 0
RCL14.C.2D RCFD8708 Commodity Contracts - Exchg Trade Pur 0
RCL14.D.1A RCFD8709 Int Rate Contracts - OTC Written Optn 3533857
RCL14.D.1B RCFD8710 Forgn Exch Contracts - OTC Wrtn Optns 81209
RCL14.D.1C RCFD8711 Equity Contracts - OTC Written Option 526458
RCL14.D.1D RCFD8712 Commodity Contracts - OTC Written Opt 5424
RCL14.D.2A RCFD8713 Int Rate Contracts - OTC Purchased Op 3533857
RCL14.D.2B RCFD8714 Forgn Exch Contracts - OTC Purchased 81209
RCL14.D.2C RCFD8715 Equity Contracts - OTC Purchased Optn 526458
RCL14.D.2D RCFD8716 Commodity Contracts - OTC Purch Optn 5424
RCL14.E.A RCFD3450 Int Rate Contracts - Gross Swaps 5829884
RCL14.E.B RCFD3826 Forgn Exch Contracts - Gross Swaps 48602
RCL14.E.C RCFD8719 Equity Contracts - Gross Swaps 0
RCL14.E.D RCFD8720 Commodity Contracts - Gross Swaps 0
RCL15.A RCFDA126 Int Rate Contracts - Gross Held Trade 12422598
RCL15.B RCFDA127 Forgn Exch Contracts - Gross Held Trd 1797418
RCL15.C RCFD8723 Equity Contracts - Gross Held Trading 1052916
RCL15.D RCFD8724 Commodity Contracts - Gross Held Trad 10848
RCL16.A.A RCFD8725 Int Rate Contracts - Marked to Market 0
RCL16.A.B RCFD8726 Forgn Exch Contracts - Marked to Mrkt 0
RCL16.A.C RCFD8727 Equity Contracts - Marked to Market 0
RCL16.A.D RCFD8728 Commodity Contracts - Marked to Mrkt 0
RCL16.B.A RCFD8729 Int Rate Contracts - NOT Marked 570000
RCL16.B.B RCFD8730 Forgn Exch Contracts - NOT Marked 0
RCL16.B.C RCFD8731 Equity Contracts - NOT Marked 0
RCL16.B.D RCFD8732 Commodity Contracts - NOT Marked 0
RCL16.C.A RCFDA589 Int Rate Contracts - Bank Pays Fixed 0
RCL17.A.1A RCFD8733 Int Rate Contracts Held - Pos Values 67166
RCL17.A.1B RCFD8734 Forgn Exch Contracts Held - Pos Value 56421
RCL17.A.1C RCFD8735 Equity Contracts Held - Pos Values 164893
RCL17.A.1D RCFD8736 Commodity Contracts Held - Pos Value 323
</TABLE>
<PAGE> 18
<TABLE>
<S> <C> <C>
RCL17.A.2A RCFD8737 Int Rate Contracts Held - Neg Values 66222
RCL17.A.2B RCFD8738 Forgn Exch Contracts Held - Neg Value 50944
RCL17.A.2C RCFD8739 Equity Contracts Held - Neg Values 164893
RCL17.A.2D RCFD8740 Commodity Contracts Held - Neg Value 323
RCL17.B.1A RCFD8741 Int Rate Contracts Markd- Pos Values 0
RCL17.B.1B RCFD8742 Forgn Exch Contracts Markd- Pos Value 0
RCL17.B.1C RCFD8743 Equity Contracts Markd- Pos Values 0
RCL17.B.1D RCFD8744 Commodity Contracts Markd- Pos Value 0
RCL17.B.2A RCFD8745 Int Rate Contracts Markd- Neg Values 0
RCL17.B.2B RCFD8746 Forgn Exch Contracts Markd- Neg Value 0
RCL17.B.2C RCFD8747 Equity Contracts Markd- Neg Values 0
RCL17.B.2D RCFD8748 Commodity Contracts Markd- Neg Value 0
RCL17.C.1A RCFD8749 Int Rate Contracts Not Markd - PosVal 2338
RCL17.C.1B RCFD8750 Forgn Exch Contracts Not Markd-PosVal 0
RCL17.C.1C RCFD8751 Equity Contracts Not Markd - PosVal 0
RCL17.C.1D RCFD8752 Commodity Contracts Not Markd-PosVal 0
RCL17.C.2A RCFD8753 Int Rate Contracts Not Markd - NegVal 37867
RCL17.C.2B RCFD8754 Forgn Exch Contracts Not Markd-NegVal 0
RCL17.C.2C RCFD8755 Equity Contracts Not Markd - NegVal 0
RCL17.C.2D RCFD8756 Commodity Contracts Not Markd-NegVal 0
RCLM.3 RCFD3833 Unused Commitments > 1 year 4508504
RCLM.3.A RCFD3834 Participations in Commitments > 1 Yr 41575
RCLM.4 RCFD3377 Standby Letters of Credit - Non-U.S. 43973
RCLM.5.A RCFD2741 Con Inst Lns w/o recourse - Prv Autos N/A
RCLM.5.B RCFD2742 Con Inst Lns w/o recourse - Crd Cards 0
RCLM.5.C RCFD2743 Con Inst Lns w/o recourse - All other N/A
RCM1.A RCFD6164 Credit to Executives/Principals 1156
RCM1.B RCFD6165 Number of Execs Who Borrowed $500K/5% 0
RCM10.A RCON6441 Mutual Fund: Money Market Funds 13635098
RCM10.B RCON8427 Mutual Fund: Equity Securities 28869
RCM10.C RCON8428 Mutual Fund: Debt Securities 4934
RCM10.D RCON8429 Mutual Fund: Other Mutual Funds 421815
RCM10.E RCON8430 Mutual Fund: Annuities 67
RCM10.F RCON8784 Mutual Fund: Sales of Proprietary 5928611
RCM11 RCFDA525 Net Unamortized Gains (Sched RC) 6703
RCM12 RCFDA526 Assets Netted Against (Sched RC) 0
RCM13 RCFDA591 Outstanding Principal Bal Serviced 0
RCM2 RCFD3405 Fed Funds Sold -- Foreign Banks 0
RCM4.A RCFD5500 O/S Bal Mortgages Serviced - GNMA 0
RCM4.B.1 RCFD5501 O/S Bal Morts Serviced-FHLMC w/ recou 0
RCM4.B.2 RCFD5502 O/S Bal Morts Serviced-FHLMC w/o rec 0
RCM4.C.1 RCFD5503 O/S Bal Morts Serviced-FNMA Reg optn 0
RCM4.C.2 RCFD5504 O/S Bal Morts Serviced-FNMA Spec optn 0
RCM4.D RCFD5505 O/S Bal Morts Serviced-All other 0
RCM5.A RCFD2103 Customers' Liability on Acceptances: 5495
RCM5.B RCFD2104 Customers' Liability on Acceptances: 2919
RCM6.A RCFD3164 Mtge Servicing Rights 0
RCM6.A.1 RCFDA590 Mort Serv Rights - Est Fair Value 0
RCM6.B.1 RCFDB026 Other intangible - Purch cc rels 0
RCM6.B.2 RCFD5507 Other Intangible - All Other 30663
RCM6.C RCFD3163 Goodwill 280204
RCM6.D RCFD2143 Total Intangible Assets 310867
RCM6.E RCFD6442 Intangible Assets Grandfathered 0
RCM7 RCFD3295 Mandatory Convertible Debt Dedictated 0
RCM8.A.1 RCFD5372 Othr Real Estate - Direct & Indirect 0
RCM8.A.2.A RCON5508 Othr Real Estate - All other Real Est 0
RCM8.A.2.B RCON5509 Othr Real Estate - Farmland 0
</TABLE>
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<TABLE>
<S> <C> <C>
RCM8.A.2.C RCON5510 Othr Real Estate - 1-4 Family Residnt 1015
RCM8.A.2.D RCON5511 Othr Real Estate - Multifamily Resid 0
RCM8.A.2.E RCON5512 Othr Real Estate - Nonfarm Nonresiden 357
RCM8.A.2.F RCFN5513 Othr Real Estate - In Foreign Offices 0
RCM8.A.3 RCFD2150 Othr Real Estate - Total 1372
RCM8.B.1 RCFD5374 Inves - Direct & Indirect invest R/E 0
RCM8.B.2 RCFD5375 Inves - All othr invest unconsol subs 3328
RCM8.B.3 RCFD2130 Investmnts in unconsold subs - Total 3328
RCM9 RCFD3778 Noncumulative Perpetual Preferred Stk 0
RCMM.1 RCFD3836 Interbank Holdings: Reciprocal N/A
RCN.O.1 RCON6979 Optional Narrative Comment (Y/N) 0
RCN1.A.A RCFD1245 RE US: 30-89 Days 48617
RCN1.A.B RCFD1246 RE US: 90+ Days 22129
RCN1.A.C RCFD1247 RE US: Nonaccrual 21907
RCN1.B.A RCFD1248 RE non-US: 30-89 Days 0
RCN1.B.B RCFD1249 RE non-US: 90+ Days 0
RCN1.B.C RCFD1250 RE non-US: Nonaccrual 0
RCN10.A RCFD5612 Loans/Leases US Guaranteed-30-89 Days 4305
RCN10.A.A RCFD5615 Loans/Leases Guaranteed: 30-89 Days 3444
RCN10.A.B RCFD5616 Loans/Leases Guaranteed: 30-89 Days 0
RCN10.A.C RCFD5617 Loans/Leases Guaranteed: 30-89 Days 3715
RCN10.B RCFD5613 Loans/Leases US Guaranteed- 90+ Days 0
RCN10.C RCFD5614 Loans/Leases US Guaranteed-Nonaccrual 4644
RCN2.A.A RCFD5377 Loans US Deps: US Banks: 30-89 Days 0
RCN2.A.B RCFD5378 Loans US Deps: US Banks: 90+ Days 0
RCN2.A.C RCFD5379 Loans US Deps: US Banks: Nonaccrual 0
RCN2.B.A RCFD5380 Loans US Deps: Foreign: 30-89 Days 0
RCN2.B.B RCFD5381 Loans US Deps: Foreign: 90+ Days 0
RCN2.B.C RCFD5382 Loans US Deps: Foreign: Nonaccrual 0
RCN3.A RCFD1594 Ag US: 30-89 Days 0
RCN3.B RCFD1597 Ag US: 90+ Days 0
RCN3.C RCFD1583 Ag US: Nonaccrual 0
RCN4.A.A RCFD1251 Coml/Indl US: 30-89 Days 89596
RCN4.A.B RCFD1252 Coml/Indl US: 90+ Days 4734
RCN4.A.C RCFD1253 Coml/Indl US: Nonaccrual 75914
RCN4.B.A RCFD1254 Coml/Indl non-US: 30-89 Days 6443
RCN4.B.B RCFD1255 Coml/Indl non-US: 90+ Days 0
RCN4.B.C RCFD1256 Coml/Indl non-US: Nonaccrual 10240
RCN5.A.A RCFD5383 Consumer: Credit Cards: 30-89 Days 1123
RCN5.A.B RCFD5384 Consumer: Credit Cards: 90+ Days 869
RCN5.A.C RCFD5385 Consumer: Credit Cards: Nonaccrual 0
RCN5.B.A RCFD5386 Consumer: Other: 30-89 Days 33266
RCN5.B.B RCFD5387 Consumer: Other: 90+ Days 4204
RCN5.B.C RCFD5388 Consumer: Other: Nonaccrual 3139
RCN6.A RCFD5389 Foreign: 30-89 Days 0
RCN6.B RCFD5390 Foreign: 90+ Days 0
RCN6.C RCFD5391 Foreign: Nonaccrual 0
RCN7.A RCFD5459 Other: 30-89 Days 21981
RCN7.B RCFD5460 Other: 90+ Days 3727
RCN7.C RCFD5461 Other: Nonaccrual 15296
RCN8.A.A RCFD1257 Leases US: 30-89 Days 0
RCN8.A.B RCFD1258 Leases US: 90+ Days 0
RCN8.A.C RCFD1259 Leases US: Nonacrual 0
RCN8.B.A RCFD1271 Leases non-US: 30-89 Days 0
RCN8.B.B RCFD1272 Leases non-US: 90+ Days 0
RCN8.B.C RCFD1791 Leases non-US: Nonaccrual 0
RCN9.A RCFD3505 Debt Securities: 30-89 Days 0
</TABLE>
<PAGE> 20
<TABLE>
<S> <C> <C>
RCN9.B RCFD3506 Debt Securities: 90+ Days 0
RCN9.C RCFD3507 Debt Securities: Nonaccrual 0
RCNM.1.A RCFD1658 Restruc'd Loans: 30-89 Days 0
RCNM.1.B RCFD1659 Restruc'd Loans: 90+ Days 0
RCNM.1.C RCFD1661 restruc'd Loans: Nonaccrual 0
RCNM.2.A RCFD6558 Comm Real Estate Loans: 30-89 Days 2091
RCNM.2.B RCFD6559 Comm Real Estate Loans: 90+ Days 0
RCNM.2.C RCFD6560 Comm Real Estate Loans: Nonaccrual 1911
RCNM.3.AA RCON2759 Secured Loans - Const: 30-89 Days 23920
RCNM.3.AB RCON2769 Secured Loans - Const: 90+ Days 20972
RCNM.3.AC RCON3492 Secured Loans - Const: Nonaccrual 5215
RCNM.3.BA RCON3493 Secured Loans - Farmland: 30-89 Days 0
RCNM.3.BB RCON3494 Secured Loans - Farmland: 90+ Days 0
RCNM.3.BC RCON3495 Secured Loans - Farmland: Nonaccrual 0
RCNM.3.C1A RCON5398 Secd Loans 1-4 Fam-Revol: 30-89 Days 0
RCNM.3.C1B RCON5399 Secd Loans 1-4 Fam-Revol: 90+ Days 0
RCNM.3.C1C RCON5400 Secd Loans 1-4 Fam-Revol: Nonaccrual 0
RCNM.3.C2A RCON5401 Secd Loans 1-4 Fam-Other: 30-89 Days 19758
RCNM.3.C2B RCON5402 Secd Loans 1-4 Fam-Other: 90+ Days 1157
RCNM.3.C2C RCON5403 Secd Loans 1-4 Fam-Other: Nonaccrual 8296
RCNM.3.DA RCON3499 Secured Loans - Multifam: 30-89 Days 180
RCNM.3.DB RCON3500 Secured Loans - Multifam: 90+ Days 0
RCNM.3.DC RCON3501 Secured Loans - Multifam: Nonaccrual 189
RCNM.3.EA RCON3502 Secured Loans - Non Farm: 30-89 Days 4759
RCNM.3.EB RCON3503 Secured Loans - Non Farm: 90+ Days 0
RCNM.3.EC RCON3504 Secured Loans - Non Farm: Nonaccrual 8207
RCNM.4.AA RCFD3522 Rate/Contract: Book Value: 30-89 Days 0
RCNM.4.AB RCFD3528 Rate/Contract: Book Value: 90+ Days 0
RCNM.4.BA RCFD3529 Rate/Contract: Replacement:30-89 Days 0
RCNM.4.BB RCFD3530 Rate/Contract: Replacement: 90+ Days 0
RCO1.A RCON0030 Unposted Debits 0
RCO1.B.1 RCON0031 Unposted Debits: Demand N/A
RCO1.B.2 RCON0032 Unposted Debits: Time/Savings N/A
RCO10 RCON8432 Deposit Institution Invest. Contracts 0
RCO11.A RCON8785 Reciprocal Demand Bals - Savings Asc. 0
RCO11.B RCONA181 Reciprocal Demand Bals - Foreign Brch 0
RCO11.C RCONA182 Reciprocal Demand Bals - Cash Items 0
RCO12.A RCONA527 Amt of Assets Netted agst Dem Deps 0
RCO12.B RCONA528 Amt of Assets Netted agst Tim/Svg Dep 0
RCO2.A RCON3510 Unposted Credits 0
RCO2.B.1 RCON3512 Unposted Credits: Demand N/A
RCO2.B.2 RCON3514 Unposted Credits: Time/Savings N/A
RCO3 RCON3520 Uninvested Trust Fund Cash 36545
RCO4.A RCON2211 Demand Deposits of Unconsolidaed Subs 5898
RCO4.B RCON2351 Time/Savings Deposits of Unconsolida 0
RCO4.C RCON5514 Int accrued/unpaid on deps of con sub 0
RCO5.A RCON2229 Demand Deposits: Insured Branches 0
RCO5.B RCON2383 Time/Savings Deposits: Insured Branc 0
RCO5.C RCON5515 Int accrued/unpaid on deps in ins brc 0
RCO6.A RCON2314 Pass-through Reserve Balances: Demand 0
RCO6.B RCON2315 Pass-through-Reserve Balances: Time/S 0
RCO7.A RCON5516 Unamortized premiums 0
RCO7.B RCON5517 Unamortized discounts 0
RCO8.A.1 RCONA531 OAKAR: Total Deposits Purchased N/A
RCO8.A.2 RCONA532 OAKAR: Amt of Purchased Deposits N/A
RCO8.B RCONA533 OAKAR: Total Deposits Sold N/A
RCOM.1.A.1 RCON2702 Amount of Deposit Accounts < $100K 8280616
</TABLE>
<PAGE> 21
<TABLE>
<S> <C> <C>
RCOM.1.A.2 RCON3779 (June Only) Number of Deposit Accts < N/A
RCOM.1.B.1 RCON2710 Amount of Deposit Accounts > $100K 10117682
RCOM.1.B.2 RCON2722 Number of Deposit Accounts > $100K 23266
RCOM.2.A RCON6861 Yes/No: Bank has a better method/proc 0
RCOM.2.B RCON5597 If YES: Uninsured Deposits Amount N/A
RCOM.3 RCONA545 Cert No of consolidated inst. N/A
RCR1 RCFD6056 Do You Meet Capital Requirements? Y/N N/A
RCR2.A RCFDA515 Subord Debt & Int Term Prfrd Stock 445000
RCR2.B RCFDA516 Other Limited-Life cap Instr 0
RCR3.A1 RCFD8274 Regulatory capt ratios:Tier 1 Capital 1670423
RCR3.A2 RCFD8275 Regulatory capt ratios:Tier 2 Capital 663669
RCR3.A3 RCFD1395 Regulatory capt ratios: Tier 3 Capital 0
RCR3.B RCFD3792 Regulatory capt ratios:Total RB Captl 2334092
RCR3.C RCFDA222 Regulatory capt ratios:Excess allownc 0
RCR3.D1 RCFDA223 Regulatory capt ratios:Risk-wtd assts 19139973
RCR3.D2 RCFD1651 Regulatory capt ratios: Mrkt Risk-equiv 0
RCR3.E RCFD1727 Regulatory capt ratios: Max Cont Dolr 0
RCR3.F RCFDA224 Regulatory capt ratios:Avrg tot assts 23568274
RCR4.A RCFD5163 00 % Risk assets recorded on Bal Sht 2612910
RCR4.B RCFD3796 Zero % Risk: Credit Equiv Off-Balance 5991
RCR5.A RCFD5165 20 % Risk assets recorded on Bal Sht 9234244
RCR5.B RCFD3801 20 % Risk: Credit Equiv Off-Balance 403770
RCR6.A RCFD3802 50 % Risk: Assets On Balance Sheet 805511
RCR6.B RCFD3803 50 % Risk: Credit Equiv Off-Balance 220930
RCR7.A RCFD3804 100 % Risk: Assets On Balance Sheet 12768319
RCR7.B RCFD3805 100 % Risk: Credit Equiv Off-Balance 3930831
RCR8 RCFD3806 On-Balance Sheet Values Excluded From 156457
RCR9 RCFD3807 Total Assets Recorded On Balnce Sheet 25577441
RCRM.01 RCFD8764 Credit Exp - Off-Bal Sheet Derivative 288802
RCRM.02.AA RCFD3809 Derivative Int Rate Contracts < 1 YR 1999920
RCRM.02.AB RCFD8766 Derivative Int Rate Contracts 1-5 YRS 6327607
RCRM.02.AC RCFD8767 Derivative Int Rate Contracts > 5 YRS 1036214
RCRM.02.BA RCFD3812 Derivative Fgn Exch Contracts < 1 YR 1497198
RCRM.02.BB RCFD8769 Derivative Fgn Exch Contracts 1-5 YRS 214571
RCRM.02.BC RCFD8770 Derivative Fgn Exch Contracts > 5 YRS 4440
RCRM.02.CA RCFD8771 Derivative Gold Contracts < 1 YR 0
RCRM.02.CB RCFD8772 Derivative Gold Contracts 1-5 YRS 0
RCRM.02.CC RCFD8773 Derivative Gold Contracts > 5 YRS 0
RCRM.02.DA RCFD8774 Derivative P Metals Contracts < 1 YR 0
RCRM.02.DB RCFD8775 Derivative P Metals Contracts 1-5 YRS 0
RCRM.02.DC RCFD8776 Derivative P Metals Contracts > 5 YRS 0
RCRM.02.EA RCFD8777 Derivative Commodity Contrcts < 1 YR 5424
RCRM.02.EB RCFD8778 Derivative Commodity Contrcts 1-5 YRS 0
RCRM.02.EC RCFD8779 Derivative Commodity Contrcts > 5 YRS 0
RCRM.02.FA RCFDA000 Derivative Equity Contracts < 1 YR 109360
RCRM.02.FB RCFDA001 Derivative Equity Contracts 1-5 YRS 417098
RCRM.02.FC RCFDA002 Derivative Equity Contracts > 5 YRS 0
RCX01.A RCFD3561 Number Of Loans To Executive Officers 1
RCX01.B RCFD3562 Amount Of Loans To Executive Officers 18
RCX01.C1 RCFD7701 Start Rate (####.##%) Loans To Execs. 10.25%
RCX01.C2 RCFD7702 Top Rate (####.##%) Loans To Execs. 10.25%
RI-01.A.1A RIAD4011 RE Loans 51303
RI-01.A.1B RIAD4019 Loans to Dep'y Inst's 62
RI-01.A.1C RIAD4024 Ag/Farmer Loans 903
RI-01.A.1D RIAD4012 Coml/Indl Loans 119695
RI-01.A.1E RIAD4026 Acceptances 0
RI-01.A.1G RIAD4056 Loans to For Govts 151
</TABLE>
<PAGE> 22
<TABLE>
<S> <C> <C>
RI-01.A.1I RIAD4058 Other Domestic Loans 34861
RI-01.A.2 RIAD4059 For Loans 0
RI-01.A1F1 RIAD4054 Credit Cards 3314
RI-01.A1F2 RIAD4055 Other Consumer 30779
RI-01.A1H1 RIAD4503 Taxable State/Local Obligations 0
RI-01.A1H2 RIAD4504 Exempt State/Local Obligations 54
RI-01.B.1 RIAD4505 Taxable Leases 453
RI-01.B.2 RIAD4307 Exempt Leases 0
RI-01.C.1 RIAD4105 Domestic Interest on Balances Due 0
RI-01.C.2 RIAD4106 For Interest on Balances due 0
RI-01.D.1 RIAD4027 US Govt/Treasury Securities 85723
RI-01.D.2A RIAD4506 Taxable State/Local Securities 0
RI-01.D.2B RIAD4507 Exempt State/Local Securities 3
RI-01.D.3 RIAD3657 Other Domestic Debt securities 0
RI-01.D.4 RIAD3658 Foreign Debt Securities 0
RI-01.D.5 RIAD3659 Equity Securities (incl mutual funds) 693
RI-01.E RIAD4069 Interest on Trading Assets 153
RI-01.F RIAD4020 Interest on Fed Funds Sold Etc 34330
RI-01.G RIAD4107 Total Interest Income 362477
RI-02.A.1A RIAD4508 Transaction Accounts 1062
RI-02.A.2 RIAD4172 Interest on For Deposits 0
RI-02.A1B1 RIAD4509 MMDAs 13903
RI-02.A1B2 RIAD4511 Other Savings 36351
RI-02.A1B3 RIADA517 Int Exp: Time Deposits >=$100,000 13957
RI-02.A1B4 RIADA518 Int Exp: Time Deposits <$100,000 25902
RI-02.B RIAD4180 Fed Funds Purchased Etc 32968
RI-02.C RIAD4185 Interest on Demand Notes to US Treasu 17788
RI-02.E RIAD4200 Interest on Subordinated Notes/Debent 7126
RI-02.F RIAD4073 Total Interest Expense 149057
RI-03 RIAD4074 Net Interest Income 213420
RI-04.A RIAD4230 Provision for Loan and Lease Losses 21000
RI-04.B RIAD4243 Provision for Allocated Transfer Risk 0
RI-05.A RIAD4070 Income from Fiduciary Activities 52671
RI-05.B RIAD4080 Service Charges on Deposit Accounts 35658
RI-05.C RIADA220 Trading Revenue 7949
RI-05.F.1 RIAD5407 Other Noninterest Income - Fee Income 28252
RI-05.F.2 RIAD5408 Other Noninterest Income - All Other 34295
RI-05.G RIAD4079 Total Noninterest Income 158825
RI-06.A RIAD3521 Gain/Loss Sec Held to Maturities 0
RI-06.B RIAD3196 Gain/Loss Sec Available-for-sale 0
RI-07.A RIAD4135 Salaries and Benefits 146246
RI-07.B RIAD4217 Expense on Premises/Fixed Assets 54766
RI-07.C RIAD4092 Other Noninterest Expensze 63902
RI-07.D RIAD4093 Total Noninterest Expense 264914
RI-08 RIAD4301 Income (loss) Before Income Taxes 86331
RI-09 RIAD4302 Income Taxes 31136
RI-10 RIAD4300 Income (loss) Before Extraordinary 55195
RI-11 RIAD4320 Extraordinary Items Net Of Taxes 0
RI-12 RIAD4340 Net Income (loss) 55195
RI-M.1 RIAD4513 Interest Expense on Exempt After 8/7/ 2
RI-M.10 RIADA251 Memo:Credit losses on off-balnc sheet 0
RI-M.11 RIADA530 Does Bank have Subchapter-S Y/N 0
RI-M.12 RIAD4772 Deferred N/A
RI-M.2 RIAD8431 Memoranda: Income Sale Mutuals 4505
RI-M.5 RIAD4150 Number of Employees on Payroll 9701
RI-M.7 RIAD9106 There is no description for this item N/A
RI-M.8.A RIAD8757 Memoranda: Trading Rev - Interest 17
</TABLE>
<PAGE> 23
<TABLE>
<S> <C> <C>
RI-M.8.B RIAD8758 Memoranda: Trading Rev - Foreign Exch 7932
RI-M.8.C RIAD8759 Memoranda: Trading Rev - Equity/Index 0
RI-M.8.D RIAD8760 Memoranda: Trading Rev - Commodity 0
RI-M.9.A RIAD8761 Memoranda: Impact - Interest Income 309
RI-M.9.B RIAD8762 Memoranda: Impact - Interest Expense 534
RI-M.9.C RIAD8763 Memoranda: Impact - Other Allocations 0
RIA01 RIAD3215 Total Equity on Dec 31 prev year-end 1733711
RIA02 RIAD3216 Equity Adjustments 0
RIA03 RIAD3217 Amended Balance Previous Year 1733711
RIA04 RIAD4340 Net Income/Loss 55195
RIA05 RIAD4346 Sale/Conversion of Stock 0
RIA06 RIAD4356 Changes Incident to Combinations 0
RIA07 RIAD4470 LESS: Cash Dividends on Common 0
RIA08 RIAD4460 LESS: Cash Dividends on preferred 0
RIA09 RIAD4411 Changes in Accounting Principles 0
RIA10 RIAD4412 Corrections of Accounting Errors 0
RIA11.A RIAD8433 Net Unrealized Holding Avail Forsale 5262
RIA11.B RIAD4574 Accm net gains(loss) on cash flow hedges 0
RIA12 RIAD4414 Foreign Currency Translation Adjustme 0
RIA13 RIAD4415 Other Parent BHC Transactions 0
RIA14 RIAD3210 Total Equity Capital End Of Cur. Per. 1794168
RIB1.1.A.A RIAD4651 RE Loans: US 584
RIB1.1.A.B RIAD4661 RE Loans: non-US 412
RIB1.1.B.A RIAD4652 RE Loans: non-US: Charge-Offs 0
RIB1.1.B.B RIAD4662 RE Loans: non-US: Recoveries 0
RIB1.2.A.A RIAD4653 Loans to US Banks: Charge-Offs 0
RIB1.2.A.B RIAD4663 Loans to US Banks: Recoveries 0
RIB1.2.B.A RIAD4654 Loans to For Banks: Charge-Offs 0
RIB1.2.B.B RIAD4664 Loans to For Banks: Recoveries 0
RIB1.3.A RIAD4655 Ag/Farm Loans: Charge-Offs 0
RIB1.3.B RIAD4665 Ag/Farm Loans: Recoveries 4
RIB1.4.A.A RIAD4645 Coml/Indl Loans US: Charge-Offs 8295
RIB1.4.A.B RIAD4617 Coml/Indl Loans US: Recoveries 734
RIB1.4.B.A RIAD4646 Coml/Indl Loans non-US: Charge-Offs 3000
RIB1.4.B.B RIAD4618 Coml/Indl Loans non-US: recoveries 0
RIB1.5.A.A RIAD4656 Credit Cards: Charge-Offs 1097
RIB1.5.A.B RIAD4666 Credits Cards: Recoveries 116
RIB1.5.B.A RIAD4657 Other Consumer Charge-Offs 9305
RIB1.5.B.B RIAD4667 Other Consumer: Recoveries 2529
RIB1.6.A RIAD4643 Loans to For Govts: Charge-Offs 0
RIB1.6.B RIAD4627 Loans to For Govts: Recoveries 0
RIB1.7.A RIAD4644 Other Loans: Charge-Offs 205
RIB1.7.B RIAD4628 Other Loans: Recoveries 405
RIB1.8.A.A RIAD4658 Leases US: Charge-Offs 1
RIB1.8.A.B RIAD4668 Leases US: Recovereies 0
RIB1.8.B.A RIAD4659 Leases non-US: Chatge-Offs 0
RIB1.8.B.B RIAD4669 Leases non-US: Recoveries 0
RIB1.9.A RIAD4635 Total Charge-offs (year-to-date) 22487
RIB1.9.B RIAD4605 Total Recoveries (year-to-date) 4200
RIB1.M.4.A RIAD5409 Memo: Charge-offs: Loans to fin comm. 162
RIB1.M.4.B RIAD5410 Memo: Recoveries: Loans to fin commcl 62
RIB1.M.5AA RIAD3582 Memo: Charge-offs: Loans sec construc 0
RIB1.M.5AB RIAD3583 Memo: Recoveries: Loans sec construct 16
RIB1.M.5BA RIAD3584 Memo: Charge-offs: Loans sec farmland 0
RIB1.M.5BB RIAD3585 Memo: Recoveries: Loans sec farmland 4
RIB1.M.5DA RIAD3588 Memo: Charge-offs: Loans sec multifam 0
RIB1.M.5DB RIAD3589 Memo: Recoveries: Loans sec multifaml 2
</TABLE>
<PAGE> 24
<TABLE>
<S> <C> <C>
RIB1.M.5EA RIAD3590 Memo: Charge-offs: Loans sec nonfarm 20
RIB1.M.5EB RIAD3591 Memo: Recoveries: Loans sec nonfarm 124
RIB1.M5C1A RIAD5411 Memo: Charge-offs: Revolv loans 1-4 r 0
RIB1.M5C1B RIAD5412 Memo: Recoveries: Revolv loans 1-4 rs 0
RIB1.M5C2A RIAD5413 Memo: Charge-offs: Other loans 1-4 rs 564
RIB1.M5C2B RIAD5414 Memo: Recoveries: Other loans 1-4 res 266
RIB2.01 RIAD3124 Allowance for Loan/Lease: Dec 31 215956
RIB2.02 RIAD2419 Recoveries (Loan/Lease) 4200
RIB2.03 RIAD2432 LESS: Charge-Offs (Loan/Lease) 22487
RIB2.04 RIAD4230 Provision (Loan/Lease) 21000
RIB2.05 RIAD4815 Adjustments (Loan/Lease) 0
RIB2.06 RIADA512 Allow. Loan/Lease Loss Balance 218669
RID1.1.A RIAD4837 Interest Income Booked N/A
RID1.1.B RIAD4838 Interest Expense Booked N/A
RID1.1.C RIAD4839 Total N/A
RID1.2.A RIAD4840 Net Int'l Int Income Sold American N/A
RID1.2.B RIAD4841 Net Domestic Int Income Booked Foreig N/A
RID1.2.C RIAD4842 Total N/A
RID1.3.A RIAD4097 Noninterest Intl INcome N/A
RID1.3.B RIAD4235 Provision for Intl Loan/Lease Losses N/A
RID1.3.C RIAD4239 Other Intl Nonint Expense N/A
RID1.3.D RIAD4843 Total N/A
RID1.4 RIAD4844 Total N/A
RID1.5 RIAD4845 Adjustment to Pretax Income Etc N/A
RID1.6 RIAD4846 Total N/A
RID1.7 RIAD4797 Intl Income Taxes N/A
RID1.8 RIAD4341 Total N/A
RID1.M.1 RIAD4847 Intracompany Int Income N/A
RID1.M.2 RIAD4848 Intracompany Int Expense N/A
RID2.1 RIAD4849 Interest Income at IBFs N/A
RID2.2 RIAD4850 Interest Expense at IBFs N/A
RID2.3.A RIAD5491 Noninterest Intl Income (Gain/Losses) N/A
RID2.3.B RIAD5492 Noninterest Intl Income (Fees & Othr) N/A
RID2.4 RIAD4852 Provision Loan/Lease Losses Intl Sold N/A
RID2.5 RIAD4853 Other Noninterest Exp INtl Sold Ameri N/A
RIE01.A RIAD5415 Other non-interest income (RI-5.f.2) N/A
RIE01.B RIAD5416 Other non-interest income (RI-5.f.2) N/A
RIE01.C RIAD5417 Other non-interest income (RI-5.f.2) N/A
RIE01.D RIAD4461 Other non-interest income (RI-5.f.2) 19820
RIE01.E RIAD4462 Other non-interest income (RI-5.f.2) 0
RIE01.F RIAD4463 Other non-interest income (RI-5.f.2) 0
RIE02.A RIAD4531 Other non-interest expense (RI-7.c) 9747
RIE02.B RIAD5418 Other non-interest expense (RI-7.c) N/A
RIE02.C RIAD5419 Other non-interest expense (RI-7.c) N/A
RIE02.D RIAD5420 Other non-interest expense (RI-7.c) N/A
RIE02.E RIAD4464 Other non-interest expense (RI-7.c) N/A
RIE02.F RIAD4467 Other non-interest expense (RI-7.c) N/A
RIE02.G RIAD4468 Other non-interest expense (RI-7.c) N/A
RIE03.A.1 RIAD6373 Effect of adopting FAS 133 0
RIE03.A.2 RIAD4486 Applicable tax effect (RI-11.b) 0
RIE03.B.1 RIAD4487 Extraordinary items and Adj (RI-11.a) 0
RIE03.B.2 RIAD4488 Applicable tax effect (RI-11.b) 0
RIE03.C.1 RIAD4489 Extraordinary items and Adj (RI-11.a) 0
RIE03.C.2 RIAD4491 Applicable tax effect (RI-11.b) 0
RIE04.A RIAD4492 Equity cap adjustments (RIA-2) N/A
RIE04.B RIAD4493 Equity cap adjustments (RIA-2) N/A
RIE05.A RIAD4494 Acct changes effects (RIA-9) N/A
</TABLE>
<PAGE> 25
<TABLE>
<S> <C> <C>
RIE05.B RIAD4495 Acctg changes effects (RIA-9) N/A
RIE06.A RIAD4496 Corrections (RIA-10) N/A
RIE06.B RIAD4497 Corrections (RIA-10) N/A
RIE07.A RIAD4498 Transactions w/parent (RIA-12) N/A
RIE07.B RIAD4499 Transactions w/parent (RIA-12) N/A
RIE08.A RIAD4521 Adjs. to allow for l & l loss (RIB.2. N/A
RIE08.B RIAD4522 Adjs. to allow for l & l loss (RIB.2. N/A
RIE09 RIAD4769 RI-E Other Explanations (Y/N) 0
</TABLE>
