<PAGE>
================================================================================
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
CHECK IF AN APPLICATION TO DETERMINE ELIGIBILITY
OF A TRUSTEE PURSUANT TO SECTION 305(B)(2) X
---
_____________________
SUNTRUST BANK, CENTRAL FLORIDA, NATIONAL ASSOCIATION
(Exact name of trustee as specified in its charter)
Not Applicable 59-1424500
(State of incorporation if (I.R.S. Employer
not a U.S. national bank) Identification Number)
200 South Orange Avenue
Post Office Box 3631
Orlando, Florida 32802
(Address of trustee's principal (Zip Code)
executive offices)
Jonathan D. Rich, Esq.
Maguire, Voorhis & Wells, P.A.
200 South Orange Avenue, Suite 3000, Orlando, FL 32801
(407) 244-1105
(Name, address and telephone number of agent for service)
_____________________
BAY VIEW CAPITAL CORPORATION
(Exact name of obligor as specified in its charter)
Delaware 94-3078031
(State of incorporation) (I.R.S. Employer
Identification No.
1840 Gateway Drive,
San Mateo, California 94404
(Address of principal (Zip Code)
executive offices)
_____________________
Subordinated Notes due 2007
(Title of 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.
Name Address
---- -------
Comptroller of Currency Washington, D.C.
The Board of Governors of Washington, D.C.
the Federal Reserve System
Corporation Washington, D.C.
Federal Deposit Insurance Washington, D.C.
Corporation
(b) Whether it is authorized to exercise corporate trust powers.
Yes.
Item 2. Affiliations with the Obligor. If the obligor or any underwriter for
-----------------------------
the obligor is an affiliate of the trustee, describe each such
affiliation.
None.
Item 16. List of Exhibits.
----------------
List below all exhibits filed as a part of this statement of
eligibility.
Exhibit 1 - Copy of the articles of association of the Trustee as now
in effect (see Exhibit 1 to Form T-1 filed in connection with
Registration Statement No. 33-34738, which is incorporated by
reference).
Exhibit 2 - Copy of the certificate of authority of the Trustee to
commence business (see Exhibit 2 to Form T-1 filed in connection with
Registration Statement No. 33-34738, which is incorporated by
reference).
Exhibit 3 - Copy of the authorization of the Trustee to exercise
corporate trust powers (see Exhibit 3 to Form T-1 filed in connection
with Registration Statement No. 33-34738, which is incorporated by
reference).
Exhibit 4 - Copy of the existing bylaws of the Trustee (see Exhibit 4
to Form T-1 filed in connection with Registration Statement No. 33-
34738, which is incorporated by reference).
Exhibit 5 - Not applicable.
<PAGE>
Exhibit 6 - Not applicable.
Exhibit 7 - 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 - Not applicable.
Exhibit 9 - Not applicable.
<PAGE>
SIGNATURE
Pursuant to the requirements of the Trust Indenture Act of 1939, the
Trustee, SunTrust Bank, Central Florida, 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
Orlando, State of Florida, on the 19th day of August, 1997.
SUNTRUST BANK, CENTRAL FLORIDA,
NATIONAL ASSOCIATION
By: /s/ Theresa Hawkins
-----------------------------
Theresa Hawkins
Vice President
<PAGE>
EXHIBIT 7
---------
Report of Condition of
SunTrust Bank, Central Florida, National Association
<PAGE>
<TABLE>
<CAPTION>
<S> <C> <C> <C>
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date: 06/30/97 State #: 12-1159 FFIEC 032
P.O. BOX 4418 CENTER 632 Vendor ID: D Cert#: 21043 RI-1
ATLANTA, GA 30302 Transit #: 06310215 ---------
3
---------
CONSOLIDATED REPORT OF INCOME FOR THE PERIOD JANUARY 1, 1997 - JUNE 30, 1997
All Report of Income schedules are to be reported on a calendar year-to-date basis in thousands of dollars.
SCHEDULE RI - INCOME STATEMENT
1380 (-
Dollar Amounts in Thousands
- ---------------------------------------------------------------------------------------------------------------------
1. Interest income:
a. Interest and fee income on loans: RIAD
---- -------
(1) Loans secured by real estate_____________________________________________________________ 4011 70,803 1.a.1
-------
(2) Loans to finance agricultural production and other loans to farmers______________________ 4024 1,260 1.a.2
-------
(3) Commercial and industrial loans__________________________________________________________ 4012 61,454 1.a.3
-------
(4) Loans to individuals for household, family, and other personal expenditures:
-------
(a) Credit cards and related plans_______________________________________________________ 4054 1,647 1.a.4.a
-------
(b) Other________________________________________________________________________________ 4055 19,766 1.a.4.b
-------
(5) Loans to foreign governments and offical institutions____________________________________ 4056 0 1.a.5
-------
(6) Obligations (other than securities and leases) of states and politcal subdivisions
in the U.S.:
-------
(a) Taxable obligations__________________________________________________________________ 4503 155 1.a.6.a
-------
(b) Tax-exempt obligations_______________________________________________________________ 4504 5,004 1.a.6.b
-------
(7) All other loans__________________________________________________________________________ 4058 11,936 1.a.7
-------
b. Income from lease financing receivables:
-------
(1) Taxable leases___________________________________________________________________________ 4506 4,050 1.b.1
-------
(2) Tax-exempt leases________________________________________________________________________ 4307 106 1.b.2
-------
c. Interest income on balances due from depository institutions (1)_____________________________ 4115 111 1.c
-------
d. Interest and dividend income on securities:
-------
(1) U.S. Treasury securities and U.S. Government agency obligations__________________________ 4027 27,308 1.d.1
-------
(2) Securities issued by states and political subdivisions in the U.S.:
-------
(a) Taxable securities___________________________________________________________________ 4508 0 1.d.2.a
-------
(b) Tax-exempt securities________________________________________________________________ 4507 1,104 1.d.2.b
-------
(3) Other domestic debt securities___________________________________________________________ 3657 5 1.d.3
-------
(4) Foreign debt securities__________________________________________________________________ 3658 10 1.d.4
-------
(5) Equity securities (including investments in mutual funds)________________________________ 3659 116 1.d.5
-------
e. Interest Income from trading assets__________________________________________________________ 4069 0 1.e
-------
f. Interest income on federal funds sold and securities purchased under agreements to resell____ 4020 15,438 1.f
-------
g. Total interest income (sum of items 1.a through 1.f)_________________________________________ 4107 220,273 1.g
-------
____________
(1) Includes interest income on time certificates of deposits not held for trading.
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
<S> <C> <C> <C>
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date: 06/30/97 State #: 12-1159 FFIEC 032
P.O. BOX 4418 CENTER 632 Vendor ID: D Cert#: 21043 RI-2
ATLANTA, GA 30302 Transit #: 06310215 ---------
4
---------
SCHEDULE RI - CONTINUED
Dollar Amounts in Thousands
- ---------------------------------------------------------------------------------------------------------------------
2. Interest expense:
a. Interest on deposits:
RIAD YEAR-TO-DATE
(1) Transaction accounts (NOW accounts, ATS accounts, and ---- ------------
telephone and preauthorized transfer accounts)___________________________ 4508 881 2.a.1
------------
(2) Nontransaction accounts:
(a) Money market deposit accounts (MMDAs)________________________________ 4509 6,884 2.a.2a
------------
(b) Other savings deposits_______________________________________________ 4611 18,489 2.a.2b
------------
(c) Time deposits of $100,000 or more____________________________________ A517 6,022 2.a.2c
------------
(d) Time deposits of less than $100,000__________________________________ A518 17,712 2.a.2d
------------
b. Expense of federal funds purchased and securities sold under
agreements to repurchase_____________________________________________________ 4180 56,658 2.b
------------
c. Interest on demand notes issued to the U.S. Treasury, trading, liabilities,
and on other borrowed money__________________________________________________ 4185 407 2.c
------------
d. Not applicable
e. Interest on subordinated notes and debentures________________________________ 4200 115 2.e
------------
f. total interest expense (sum of items 2.a through 2.e)________________________ 4073 107,168 RIAD 2.f
---- -------
3. Net interest income (item 1.g minus 2.f)____________________________________________________________ 4074 113,105 3.
4. Provisions: -------
a. Provision for loan and lease losses______________________________________________________________ 4230 3,498 4.a
-------
b. Provision for allocated transfer risk____________________________________________________________ 4243 0 4.b
5. Noninterest income: RIAD -------
---- ------------
a. Income from fiduciary activities_____________________________________________ 4070 13,207 5.a
------------
b. Service charges on deposit accounts__________________________________________ 4080 19,941 5.b
------------
c. Trading revenue (must equal Schedule RI, sum of
Memorandum items 8.a through 8.d)____________________________________________ A220 0 5.c
------------
d.-e. Not applicable
f. Other noninterest income:
(1) Other fee income_________________________________________________________ 5407 36,115 5.f.1
------------
(2) All other noninterest income*____________________________________________ 5408 3,198 RIAD 5.f.2
------------ ---- -------
g. Total noninterest income (sum of items 5.a through 5.f)__________________________________________ 4079 72,461 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 (446) 6.b
-------
7. Noninterest expense: RIAD
---- ------------
a. Salaries and employee benefits_______________________________________________ 4135 33,752 7.a
------------
b. Expenses of premises and fixed assets (net of rental income)
(excluding salaries and employee benefits and mortgage interest)_____________ 4217 12,036 7.b
------------
c. Other noninterest expense*___________________________________________________ 2092 63,387 RIAD 7.c
------------ ---- -------
d. Total noninterest expense (sum of item 7.a through 7.c)__________________________________________ 4099 109,175 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 72,447 8.
-------
9. Applicable income taxes (on item 8)_________________________________________________________________ 4302 26,337 9.
-------
10. Income (loss) before extraordinary items and other adjustments (item 8 minus 9)_____________________ 4300 46,110 10.
-------
11. Extraordinary items and other adjustments, net of income taxes*_____________________________________ 4320 0 11.
-------
12. Net income (loss) (sum of items 10 and 11)__________________________________________________________ 4340 46,110 12.
-------
____________
* Describe on Schedule RI-E-Explanations.
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
<S> <C> <C> <C>
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date: 06/30/97 State #: 12-1159 FFIEC 032
P.O. BOX 4418 CENTER 632 Vendor ID: D Cert#: 21043 RI-3
ATLANTA, GA 30302 Transit #: 06310215 ---------
5
---------
SCHEDULE RI - CONTINUED 1381 (-
Dollar Amounts in Thousands
- ------------------------------------------------------------------------------------------------------------------------
MEMORANDA RIAD YEAR-TO-DATE
---- ------------
1. Interest expense incurred to carry tax-exempt securities, loans, and leases acquired after
August 7, 1988, that is not deductible for federal income tax purposes__________________________ 4513 1,063 M.1
------------
2. Income from the sale and servicing of mutual funds and annuities (included in
Schedule RI, item 8)____________________________________________________________________________ 8431 2,888 M.2
------------
3. Not applicable
NUMBER
4. Number of full-time equivalent employees on payroll at end of current period (round to ------------
nearest whole number____________________________________________________________________________ 4150 1,608 M.4
------------
5.-6. Not applicable
CCYY / MM / DD
7. If the reporting bank has restated its balance sheet as a result of applying push ------------
down accounting this calendar year, report the date of the bank's acquisition___________________ 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):
a. Interest rate exposures______________________________________________________________________ 8757 0 M.8.a
------------
b. Foreign exchange exposures___________________________________________________________________ 8758 0 M.8.b
------------
c. Equity security and index exposures__________________________________________________________ 8759 0 M.8.c
------------
d. Commodity and other exposures________________________________________________________________ 8760 0 M.8.d
------------
9. Impact on income of off-balance sheet derivatives held for purposes other than trading:
a. Net increase (decrease) to interest income___________________________________________________ 8761 0 M.9.a
------------
b. Net (increase) decrease to interest expense__________________________________________________ 8762 2 M.9.b
------------
c. Other (noninterest) allocations______________________________________________________________ 8763 0 M.9.c
------------
10. Credit losses on off-balance sheet derivatives (see instructions)_______________________________ A251 0 M.10
------------
YES / NO
11. Does the reporting bank have a Subchapter 5 election in effect for
federal income tax purposes for the current tax year?___________________________________________ A530 N/A M.11
------------
12. Deferred portion of total applicable income taxes included in Schedule RI,
items 9 and 11 (to be reported with the December Report of Income)______________________________ 4772 N/A M.12
------------
____________
(1) For example, a bank acquired on June 1, 1997, would report 1997/06/01
SCHEDULE RI-A - CHANGES IN EQUITY CAPITAL
Indicate decreases and losses in parentheses. 1383 (-
Dollar Amounts in Thousands
- ------------------------------------------------------------------------------------------------------------------------
RIAD
1. Total equity capital originally reported in the December 31, 1996, Reports ----
of Condition and Income_________________________________________________________________________ 3215 477,333 1.
------------
2. Equity capital adjustments from amended Reports of income, net*_________________________________ 3216 0 2.
------------
3. Amended balance and of previous calendar year (sum of items 1 and 2)____________________________ 3217 477,333 3.
------------
4. Net income (loss) (must equal Schedule RI, item 12)_____________________________________________ 4340 46,110 4.
------------
5. Sale, conversion, acquisition, or retirement of capital stock, net______________________________ 4348 0 5.
------------
6. Changes incident to business combinations, net__________________________________________________ 4355 0 6.
------------
7. LESS: Cash dividends declared on preferred stock________________________________________________ 4470 0 7.
------------
8. LESS: Cash dividends declared on common stock___________________________________________________ 4460 25,000 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 (448) 11.
------------
12. Other transactions with parent holding company* (not included in item 5, 7, or 8 above)_________ 4415 0 12.
------------
13. Total equity capital end of current period (sum of items 3 through 12) (must equal
Schedule RC item 28)____________________________________________________________________________ 3210 497,995 13.
------------
____________
* Describe on Schedule RI-E-Explanations.
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
<S> <C> <C> <C>
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date: 06/30/97 State #: 12-1159 FFIEC 032
P.O. BOX 4418 CENTER 632 Vendor ID: D Cert#: 21043 RI-4
ATLANTA, GA 30302 Transit #: 06310215 ---------
6
---------
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 (1)
Part I excludes charge-offs and recoveries through the allocated transfer risk reserve.
1386 (-
Dollar Amounts in Thousands
- ---------------------------------------------------------------------------------------------------------------------
****Calendar year-to-date****
(Column A) (Column B)
RIAD Charge-offs RIAD Recoveries
---- ----------- ---- ----------
1. Loans secured by real estate:
a. To U.S. addressees (domicile)____________________________________________ 4651 1,298 4661 378 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 0 3.
----------- ----------
4. Commercial and industrial loans:
a. To U.S. addressees (domicile)____________________________________________ 4645 118 4617 72 4.a
----------- ----------
b. To non-U.S. addressees (domicile)________________________________________ 4646 0 4618 0 4.b
----------- ----------
5. Loans to individuals for household, family, and other personal expenditures:
a. Credit cards and related plans___________________________________________ 4656 334 4666 119 5.a
----------- ----------
b. Other (includes single payment, installment, and all student loans)______ 4657 1,464 4667 376 5.b
----------- ----------
6. Loans to foreign governments and official institutions______________________ 4643 0 4627 0 6.
----------- ----------
7. All other loans_____________________________________________________________ 4644 155 4628 69 7.
----------- ----------
8. Lease financing receivables:
a. Of U.S. addressees (domicile)____________________________________________ 4658 0 4668 3 8.a
----------- ----------
b. Of non-U.S. addressees (domicile)________________________________________ 4659 0 4669 0 8.b
----------- ----------
9. Total (sum of items 1 through 8)____________________________________________ 4606 3,369 4605 1,017 9.
----------- ----------
MEMORANDA
Dollar Amounts in Thousands
- ---------------------------------------------------------------------------------------------------------------------
****Calendar year-to-date****
(Column A) (Column B)
RIAD Charge-offs RIAD Recoveries
---- ----------- ---- ----------
1.-3. Not applicable.
4. Loans to finance commercial real estate, construction, and land
development activities (not secured by real estate) included in
Schedule RI-B, part 1, items 4 and 7, above_________________________________ 5409 0 5410 0 M.4
----------- ----------
5. Loans secured by real estate (sum of Memorandum items 5.a through 5.e must
equal sum of Schedule RI-B, part 1, item 1.a and 1.b, 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 18 5412 0 M.5.c1
----------- ----------
(2) All other loans secured by 1-4 family residential properties_________ 5413 188 5414 3 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 1,092 3591 376 M.5.e
----------- ----------
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
<S> <C> <C> <C>
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date: 06/30/97 State #: 12-1159 FFIEC 032
P.O. BOX 4418 CENTER 632 Vendor ID: D Cert#: 21043 RI-5
ATLANTA, GA 30302 Transit #: 06310215 ---------
7
---------
SCHEDULE RI-B - CONTINUED
PART II. CHANGES IN ALLOWANCE FOR LOAN AND LEASE LOSSES
Dollar Amounts in Thousands
- ------------------------------------------------------------------------------------------------------------------------
RIAD
---- ------------
1. Balance originally reported in the December 31, 1996, Reports of Condition and income__________ 3124 87,104 1.
------------
2. Recoveries (must equal part I. item 9. column B above)__________________________________________ 4505 1,017 2.
------------
3. LESS: Charge-offs (must equal part I, item 9, column A above)___________________________________ 4535 3,369 3.
------------
4. Provision for loan and lease losses (must equal Schedule RI, item 4.a)__________________________ 4230 3,498 4.
------------
5. Adjustments* (see instructions for this schedule)_______________________________________________ 4615 0 5.
------------
6. Balance and or current period (sum of items 1 through 5) (must equal Schedule RC,
item 4.b)_______________________________________________________________________________________ 3123 88,250 6.
------------
____________
* Describe on Schedule RI-E - Explanations.
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)
1395 (-
Dollar Amounts in Thousands
- ------------------------------------------------------------------------------------------------------------------------
1. All other noninterest income (from Schedule RI, item 5.f.(2)) RIAD YEAR-TO-DATE
Report amounts that exceed 10% of Schedule RI, item 5.f.(2): ---- ------------
a. Net gains (losses) on other real estate owned________________________________________________ 5415 0 1.a
------------
b. Net gains (losses) on sales of loans_________________________________________________________ 5416 702 1.b
------------
c. Net gains (losses) on sales of premises and fixed assets_____________________________________ 5417 0 1.c
------------
Itemize and describe the three largest other amounts that exceed 10% of Schedule RI,
item 5.f.(2):
TEXT
d. 4461 SALE OF CUSTOMER CHECKS 4461 895 1.d
------------
e. 4462 FOREIGN EXCHG-GAIN/LOSS 4462 785 1.e
------------
f. 4463 4463 0 1.f
------------
2. Other noninterest expense (from Schedule RI, item 7.c): RIAD YEAR-TO-DATE
---- ------------
a. Amortization expense of intangible assets____________________________________________________ 4531 0 2.a
Report amounts that exceed 10% of Schedule RI, item 7.c
------------
b. Net (gains) losses on other real estate owned________________________________________________ 5418 0 2.b
------------
c. Net (gains) losses on sales of loans_________________________________________________________ 5419 0 2.c
------------
d. Net (gains) losses on sales of premises and fixed assets_____________________________________ 5420 0 2.d
------------
Itemize and describe the three largest other amounts that exceed 10% of Schedule RI,
item 7.c:
TEXT RIAD
----
e. 4464 I/C DATA PROCESSING FEE 4464 21,117 2.e
------------
f. 4467 CR CD-INTERCHANGE EXP 4467 14,083 2.f
------------
g. 4468 4468 0 2.g
------------
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
<S> <C> <C> <C> <C> <C>
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date: 06/30/97 State #: 12-1159 FFIEC 032
P.O. BOX 4418 CENTER 632 Vender ID: D Cert#: 21043 RI-6
ATLANTA, GA 30302 Transit #: 06310215 --------
| 8 |
--------
SCHEDULE RI-E-CONTINUED
Dollar Amounts in Thousands
__________________________________________________________________________________________________________________________
3. Extraordinary Items and other adjustments (from Schedule RI, Item 11.a) and applicable
income tax effect (from Schedule RI, Item 11.b) (itemize and describe all extraordinary
items and other adjustments): YEAR-TO-DATE
TEXT RIAD
---- ------------
a. (1) 4469 RIAD 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 0 4.a
------------
b. 4493 4493 0 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. AS46 AS46 0 5.a
------------
b. 4495 4495 0 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 0 6.a
------------
b. 4497 4497 0 6.b
------------
7. Other transactions with parent holding company (from Schedule RI-A, Item 12)
(itemize and describe all such transactions):
TEXT RIAD
____ ------------
a. 4498 4498 0 7.a
------------
b. 4499 4499 0 7.b
------------
8. Adjustments for loan and lease losses (from Schedule RI-B, Part II Item 5)
(itemize and describe all adjustments):
TEXT RIAD
---- ------------
a. 4521 4521 0 8.a
------------
b. 4522 4522 0 8.b
------------
9. Other explanations (the space below is provided for bank to briefly describe, at its option. 1398 1399 (-
any other significant items affecting the Report of in RIAD --------
X = NO COMMENT - Y = COMMENT __________________________ 4769 X
Other explanations (please type or print clearly): --------
TEXT 4769 (70 characters per line)
______________________________________________________________________________________________
______________________________________________________________________________________________
______________________________________________________________________________________________
______________________________________________________________________________________________
______________________________________________________________________________________________
______________________________________________________________________________________________
______________________________________________________________________________________________
______________________________________________________________________________________________
______________________________________________________________________________________________
______________________________________________________________________________________________
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
<S> <C> <C> <C> <C> <C>
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date: 06/30/97 State #: 12-1159 FFIEC 032
P.O. BOX 4418 CENTER 632 Vender ID: D Cert#: 21043 RC-1
ATLANTA, GA 30302 Transit #: 0631215 ---------
| 9 |
---------
CONSOLIDATED REPORT OF CONDITION FOR INSURED COMMERCIAL
AND STATE-CHARTERED SAVINGS BANKS FOR JUNE 30, 1997
All schedules are to be reported in thousands of dollars. Unless otherwise indicated,
report the amount outstanding as of the last business date of the quarter.
SCHEDULE RC - BALANCE SHEET
C300 (-
Dollar Amounts in Thousands
____________________________________________________________________________________________________________________
ASSETS
1. Cash and balances due from depository institutions (from Schedule RC-A): RCON
---- -------------
a. Noninterest-bearing balances and currency and coin (1)____________________________________ 0081 444,101 1.a
-------------
b. Interest-bearing balances (2)_____________________________________________________________ 0071 4,167 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 903,744 2.b
-------------
3. Federal funds sold and securities purchased under agreements to resell_______________________ 1350 628,128 3
-------------
4. Loans and lease financing receivables: RCON
---- ------------
a. Loans and leases, net of unearned income (from Schedule RC-C)________ 2122 4,866,971 4.a
------------
b. LESS: Allowance for loan and lease losses____________________________ 3123 88,250 4.b
------------
c. LESS: Allocated transfer risk reserve________________________________ 3128 0 4.c
------------
d. Loans and losses, net of unearned income, RCON
---- -------------
allowance, and reserve (item 4.a minus 4.b and 4.c)_______________________________________ 2125 4,778,721 4.d
-------------
5. Trading assets (from Schedule RC-D)__________________________________________________________ 3545 0 5.
-------------
6. Premises and fixed assets (including capitalized leases)_____________________________________ 2145 56,351 6.
-------------
7. Other real estate owned (from Schedule RC-M)_________________________________________________ 2160 5,762 7.
-------------
8. Investments in unconsolidated subsidiaries and associated companies (from Schedule RC-M)_____ 2130 7,804 8.
-------------
9. Customers' liability to this bank on acceptances outstanding_________________________________ 2155 3,290 9.
-------------
10. Intangible assets (from Schedule RC-M)_______________________________________________________ 2143 0 10.
-------------
11. Other assets (from Schedule RC-F)____________________________________________________________ 2160 98,529 11.
-------------
12. Total assets (sum of items 1 through 11)_____________________________________________________ 2170 6,930,597 12.
-------------
_________
(1) Includes cash items in process of collection and unposted debits.
(2) Includes time certificates of deposit not held for trading.
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
<S> <C> <C> <C> <C> <C>
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date: 06/30/97 State #: 12-1159 FFIEC 032
P.O. BOX 4418 CENTER 632 Vender ID: D Cert#: 21043 RC-2
ATLANTA, GA 30302 Transit #: 06310215 --------
| 10 |
--------
SCHEDULE RC - CONTINUED
Dollar Amounts in Thousands
__________________________________________________________________________________________________________________________
LIABILITIES
13. DEPOSITS RCON
---- ----------
a. In domestic offices (sum of totals of columns A and C from Schedule RC-E)__ RCON 2200 3,959,905 13.a
---- ----------
----------
(1) Noninterest-bearing (1)_______________________________________________ 6631 1,191,530 13.a.1
----------
(2) Interest-bearing______________________________________________________ 6636 2,768,375 13.a.2
----------
b. In foreign offices, Edge and Agreement subsidiaries, and IBFs
(1) Noninterest-bearing_________________________________________________________________________
(2) Interest-bearing____________________________________________________________________________
----------
14. Federal funds purchased and securities sold under agreements to repurchase_________________________ 2600 2,281,082 14
----------
15.a. Demand notes issued to the U.S. Treasury_________________________________________________________ 2840 0 15.a
----------
b. Trading liabilities (from Schedule RC-D)_________________________________________________________ 3546 0 15.b
----------
16. Other borrowed money (includes mortgage indebtedness and obligations under capitalized leases):
a. With a remaining maturity of one year or less___________________________________________________ 2332 62,778 16.a
----------
b. With a remaining maturity of more than one year through three years_____________________________ A547 0 16.b
----------
c. With a remaining maturity of more than three years______________________________________________ A548 0 16.c
----------
17. Not applicable
18. Bank's liability on acceptances executed and outstanding___________________________________________ 2920 3,290 18
----------
19. Subordinated notes and debentures__________________________________________________________________ 3200 100,000 19
----------
20. Other liabilities (from Schedule RC-G)_____________________________________________________________ 2930 25,547 20
----------
21. Total liabilities (sum of items 13 through 20)_____________________________________________________ 2948 6,432,602 21
----------
22. Not applicable
EQUITY CAPITAL ----------
23. Perpetual preferred stock and related surplus______________________________________________________ 3835 0 23
----------
24. Common stock_______________________________________________________________________________________ 3230 5,098 24
----------
25. Surplus (exclude all surplus related to preferred stock)___________________________________________ 3839 124,125 25
----------
26. a. Undivided profits and capital reserves__________________________________________________________ 3632 366,845 26.a
----------
b. Net unrealized holding gains (losses) on available-for-sale securities__________________________ 3434 1,927 26.b
----------
27. Cumulative foreign currency translation adjustments________________________________________________ 27
----------
28. Total equity capital (sum of items 23 through 27)__________________________________________________ 3210 497,996 28
----------
29. Total liabilities and equity capital (sum of items 21 and 28)______________________________________ 3300 6,930,597 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 external ----------
auditors as of any date during 1996 _______________________________________________________________ 6724 N/A M.1
----------
1 = Independent audit of the bank conducted in accordance 4 = Directors' examination of the bank performed by other
with generally accepted auditing standards by a certified external auditors (may be required by state chartering
public accounting firm which submits a report on the bank authority)
2 = Independent audit of the bank's parent holding company 5 = Review of the bank's financial statements by external
conducted in accordance with generally accepted auditing auditors
standards by a certified public accounting firm which 6 = Compilation of the bank's financial statements by
submits a report on the consolidated holding company (but external auditors
not on the bank separately) 7 = Other audit procedures (excluding tax preparation work)
3 = Directors' examination of the bank conducted in accordance 8 = No external audit work
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.
(2) Includes limited-life preferred stock and related surplus.
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
<S> <C> <C> <C> <C> <C>
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date: 06/30/97 State #: 12-1159 FFIEC 032
P.O. BOX 4418 CENTER 632 Vender ID: D Cert#: 21043 RC-3
ATLANTA, GA 30302 Transit #: 06310215 ---------
| 11 |
---------
SCHEDULE RC-A - CASH AND BALANCES DUE FROM DEPOSITORY INSTITUTIONS
Exclude assets held for trading. C305 (-
Dollar Amounts in Thousands
__________________________________________________________________________________________________________________________
1. Cash items in process of collection, unposted debits, and currency and coin: RCON
---- -------------
a. Cash items in process of collection and unposted debits___________________________________ 0020 296,656 1.a
-------------
b. Currency and coin_________________________________________________________________________ 0080 101,551 1.b
-------------
2. Balance due from depository institutions in the U.S.:
a. U.S. branches and agencies of foreign banks_______________________________________________ 0053 0 2.a
-------------
b. Other commercial banks in the U.S. and other depository institutions in the U.S.__________ 0085 8,553 2.b
-------------
3. Balances due from banks in foreign countries and foreign central banks:
a. Foreign branches of other U.S. banks______________________________________________________ 0073 0 3.a
-------------
b. Other banks in foreign countries and foreign central banks________________________________ 0074 384 3.b
-------------
4. Balances due from Federal Reserve Banks______________________________________________________ 0090 41,124 4
-------------
5. Total (sum of items 1 through 4) (must equal Schedule RC, sum of items 1.a and 1.b)__________ 0010 448,268 5
-------------
MEMORANDUM
Dollar Amounts in Thousands
__________________________________________________________________________________________________________________________
1. Noninterest-bearing balances due from commercial banks in the U.S. (included in items 2.a RCON
---- -------------
and 2.b above) ______________________________________________________________________________ 0050 4,386 M.1
-------------
SCHEDULE RC-B - SECURITIES
Exclude assets held for trading.
C310 (-
Dollar Amounts in Thousands
__________________________________________________________________________________________________________________________
----Hold-to-maturity---- ----Available-for-sale----
(Column A) (Column B) (Column C) (Column D)
Amortized Cost Fair Value Amortized Cost Fair Value (1)
RCON RCON RCON RCON
---- ---------- ---- ---------- ---- ---------- ---- -----------
1. U.S. Treasury securities___________ 0211 0 0213 0 1285 478,289 1287 480,164 1
---------- ---------- ---------- -----------
2. U.S. Government agency obligations
(exclude mortgage-based securities):
---------- ---------- ---------- -----------
a. Issued by U.S. Government
agencies (2)____________________ 1289 0 1280 0 1291 0 1293 0 2.a
---------- ---------- ---------- -----------
b. Issued by U.S. Government-
sponsored agencies (3)__________ 1294 0 1286 0 1297 69,221 1298 70,292 2.b
---------- ---------- ---------- -----------
_________
(1) Includes equity securities without readily determinable fair values at historical cost in item 6.b, column D.
(2) Includes Small Business Administration Guaranteed Loan Pool Certificates, U.S. Maritime Administration obligations, and
Export - Import Bank participation certificates.
(3) Includes obligations (other than mortgage-backed securities) issued by the Farm Credit System, the Federal Home Loan Bank
System, The Federal Home Loan Mortgage Corporation, the Federal National Mortgage Association, the Financing Corporation,
the Resolution Funding Corporation, the Student Loan Marketing Association, and the Tennessee Valley Authority.
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
<S> <C> <C> <C> <C> <C>
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date: 06/30/97 State #: 12-1159 FFIEC 032
P.O. BOX 4418 CENTER 632 Vender ID: D Cert#: 21043 RC-4
ATLANTA, GA 30302 Transit #: 06310215 ---------
| 12 |
---------
SCHEDULE RC-B CONTINUED
Dollar Amounts in Thousands
__________________________________________________________________________________________________________________________
----Hold-to-maturity---- ----Available-for-sale----
(Column A) (Column B) (Column C) (Column D)
Amortized Cost Fair Value Amortized Cost Fair Value (1)
3. Securities issued by states and RCON RCON RCON RCON
political subdivisions in the U.S. ---- ---------- ---- ---------- ---- ---------- ---- ---------
a. General obligations_______________ 1676 0 1677 0 1968 34,896 1969 35,566 3.a
---------- ---------- ---------- ---------
b. Revenue obligations_______________ 1681 0 1686 0 1690 5,283 1691 5,575 3.b
---------- ---------- ---------- ---------
c. Industrial development
and similar obligations___________ 1694 0 1695 0 1696 0 1697 0 3.c
---------- ---------- ---------- ---------
4. Mortgage-backed securities (MBS):
a. Pass-through securities:
(1) Guaranteed by GNMA____________ 1698 0 1699 0 1701 62,829 1702 63,551 4.a.(1)
---------- ---------- ---------- ---------
(2) Issued by FNMA and FHLMC______ 1703 0 1705 0 1706 93,047 1707 92,034 4.a.(2)
---------- ---------- ---------- ---------
(3) Other pass-through securities_ 1709 0 1710 0 1711 0 1713 0 4.a.(3)
---------- ---------- ---------- ---------
b. Other mortgage-backed securities (include
(CMO's, REMICs and stripped MBS):
(1) issued or guaranteed by FNMA, RCON RCON RCON RCON
---- ---------- ---- ---------- ---- ---------- ---- ---------
FHLMC or GNMA___________________ 1714 0 1715 0 1716 122,456 1717 121,999 4.b(1)
---------- ---------- ---------- ---------
(2) Collaterized by MBS issued or guaranteed
by FNMA, FHLMC, or GNMA_______ 1718 0 1719 0 1731 0 1732 0 4.b(2)
---------- ---------- ---------- ---------
(3) All other mortgage-backed
securities____________________ 1733 0 1734 0 1735 0 1736 0 4.b(3)
---------- ---------- ---------- ---------
5. Other debt securities:
a. Other domestic debt securities____ 1737 0 1738 0 1739 0 1741 0 5.a
---------- ---------- ---------- ---------
b. Foreign debt securities___________ 1742 0 1743 0 1744 250 1746 250 5.b
---------- ---------- ---------- ---------
6. Equity securities:
a. Investments in mutual funds and ---------- ---------
other equity securities with
readily determinable fair values____________________________________________ A510 30,437 A511 30,437 6.a
---------- ---------
b. All other equity securities(1)______________________________________________ 1752 3,876 1753 3,876 6.b
---------- ---------
7. Total (sum of items 1 through 6)
(total of Column A must equal
Schedule RC Item 2.a) (total of RCON RCON RCON RCON
column D must equal Schedule RC, ---- ---------- ---- ---------- ---- ---------- ---- ---------
item 2.b)____________________________ 1754 0 1771 0 1772 900,584 1773 903,744 7
---------- ---------- ---------- ---------
_________
(1) Includes equity securities without readily determinable fair values at historical cost in item 6.b, column D.
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date: 06/30/97 State #: 12-1169 FFIEC 032
P.O. BOX 4418 CENTER 632 Vendor ID: D Cert #: 21043 RC-5
ATLANTA, GA 30302 Transit # 06310215
-------
13
SCHEDULE RC-B - Continued -------
C312
Memoranda Dollar Amounts in Thousands
- ------------------------------------------------------------------------------------------------------------------------------------
RCON
<S> <C> <C> <C>
1. Pledged securities (1)_________________________________________________________________________ 0416 666,488 M.1
2. Maturity and repricing data for debt securities (1,2) (excluding those in nonaccrual status): ----------
a. Securities issued by the U.S. Treasury, U.S. Government agencies, and states
and political subdivisions in the U.S.; either non-mortgage debt securities; and
mortgage pass-through securities other than those booked by closed-end
first lien 1-4 family residential mortgages with a remaining maturity or repricing
frequency of: (3,4)
(1) Three months or less___________________________________________________________________ A549 1,425 M.2.a1
----------
(2) Over three months through 12 months____________________________________________________ A550 172,897 M.2.a2
----------
(3) Over one year through three years______________________________________________________ A551 326,297 M.2.a3
----------
(4) Over three years through five years____________________________________________________ A552 74,499 M.2.a4
----------
(5) Over five years through 15 years_______________________________________________________ A553 16,730 M.2.a5
----------
(6) Over 15 years__________________________________________________________________________ A554 0 M.2.a6
----------
b. Mortgage pass-through securities backed by closed-end first lien 1-4 family
residential mortgages with a remaining maturity or repricing frequency of: (3,5)
(1) Three months or less___________________________________________________________________ A555 17,468 M.2.b1
----------
(2) Over three months through 12 months____________________________________________________ A556 68,017 M.2.b2
----------
(3) Over one year through three years______________________________________________________ A557 55,887 M.2.b3
----------
(4) Over three years through five years____________________________________________________ A558 9,316 M.2.b4
----------
(5) Over five years through 15 years_______________________________________________________ A559 4,747 M.2.b5
----------
(6) Over 15 years__________________________________________________________________________ A560 149 M.2.b6
----------
c. Other mortgage-backed securities (include CMOs, REMICs, and stripped MBS:
exclude mortgage pass-through securities) with an expected average life of: (6)
(1) Three years or less____________________________________________________________________ A561 86,643 M.2.c1
----------
(2) Over three years_______________________________________________________________________ A562 35,356 M.2.c2
----------
d. Fixed rate AND floating rate debt securities with a REMAINING MATURITY of one
year or less (included in Memorandum items 2.a through 2.c above)__________________________ A248 174,322 M.2.d
----------
3. -6. Not applicable
7. Amortized cost of held-to-maturity securities sold or transferred to available-for-sale or
trading securities during the calendar year-to-date (report the amortized cost at date
of sale or transfer)___________________________________________________________________________ 177a 0 M.7
----------
8. High-risk mortgage securities (included in the held-to-maturity and available-for-sale
accounts in Schedule RC-B, item 4.b):
a. Amortized cost_____________________________________________________________________________ 8780 0 M.8.a
----------
b. Fair value_________________________________________________________________________________ 8781 0 M.8.b
----------
9. Structured notes (included in the held-to-maturity and available-for sale
accounts in Schedule RC-B, items 2, 3, and 5):
a. Amortized cost_____________________________________________________________________________ 8782 0 M.9.a
----------
b. Fair value_________________________________________________________________________________ 8783 0 M.9.b
----------
- -----------------
(1) Includes held-to-maturity securities at amortized cost and available-for sale securities at fair value.
(2) Exclude equity securities, e.g., investments in mutual funds, Federal Reserve stock, common stock, and preferred stock.
(3) Report fixed rate debt securities by remaining maturity and floating rate debt securities by repricing frequency.
(4) Sum of Memorandum Items 2.a(1) through 2.a(5) plus any nonaccrual debt securities in the categories
of debt securities reported in Memorandum Item 2.a that are included in Schedule RC-N, item 9,
column C, must equal Schedule RC-B, sum of items 1, 2, 3, and 5, columns A and D, plus mortgage
pass-through securities other than those backed by closed-end first lien 1-4 family residential
mortgages included in Schedule RC-B, Item 4.a, columns A and D.
(5) Sum of Memorandum items 2.b(1) through 2.b(6) plus any nonaccrual mortgage pass-through
securities backed by closed-end first lien 1-4 family residential mortgages included in Schedule
RC-N, item 9, Column C, must equal Schedule RC-B, item 4.a, columns A and D, less the
amount of mortgage pass-through securities other than those backed by closed-end first
lien 1-4 family residential mortgages included in Schedule RC-B, item 4.a, columns A and D.
(6) Sum of Memorandum items 2.c.(1) and 2.c.(2) plus any nonaccrual "Other mortgage-backed
securities" included in schedule RC-N, item 9, column C, must equal Schedule RC-B, item 4.b.
sum of columns A and D.
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date: 06/30/97 State #: 12-1169 FFIEC 032
P.O. BOX 4418 CENTER 632 Vendor ID: D Cert #: 21043 RC-8
ATLANTA, GA 30302 Transit #: 06310215
---------
14
---------
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 and commercial paper.
C315
Dollar Amounts in Thousands
- ------------------------------------------------------------------------------------------------------------------------------------
RCON
----
<S> <C> <C> <C>
1. Loans secured by real estate:
a. Construction and land development________________________________________________________ 1415 153,395 1.a
---------
b. Secured by farmland (including farm residential and other improvements)__________________ 1420 28,882 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_______________________________________________________ 1787 96,297 1.c.1
---------
(2) All other loans secured by 1-4 family residential properties:
(a) Secured by first liens___________________________________________________________ 5367 954,345 1.c.2a
---------
(b) Secured by junior liens__________________________________________________________ 5388 90,689 1.c.2b
---------
d. Secured by multifamily (5 or more) residential properties________________________________ 1480 32,084 1.d
---------
e. Secured by nonfarm nonresidential properties_____________________________________________ 1480 439,801 1.e
---------
2. Loans to depository institutions:
a. To commercial banks in the U.S.:
(1) To U.S. branches and agencies of foreign banks_______________________________________ 1506 0 2.a1
---------
(2) To other commercial banks in the U.S.________________________________________________ 1507 212,698 2.a2
---------
b. To other depository institutions in the U.S._____________________________________________ 1517 138 2.b
---------
c. To banks in foreign countries:
(1) To foreign branches of other U.S. banks______________________________________________ 1613 0 2.c1
---------
(2) To other banks in foreign countries__________________________________________________ 1518 0 2.c.2
3. Loans to finance agricultural production and other loans to farmers___________________________ 1590 28,112 3.
---------
4. Commercial and Industrial loans:
a. To U.S. addressees (domicile)______________________________________________________________ 1763 1,868,171 4.a
---------
b. To non-U.S. addressees (domicile)__________________________________________________________ 1704 1,020 4.b
---------
5. Acceptances of other banks:
a. Of U.S. banks______________________________________________________________________________ 1756 285 5.a
---------
b. Of foreign banks___________________________________________________________________________ 1757 320 5.b
---------
6. Loans to individuals for household, family, and other personal expenditures
(i.e., consumer loans)(includes purchased paper):
a. Credit cards and related plans (includes check credit and other revolving credit plans)___ 2008 27,448 6.a
---------
b. Other (includes single payment, installment, and all student loans)_______________________ 2011 486,509 6.b
---------
7. Loans to foreign government and official institutions (including foreign central banks)_______ 2081 0 7
---------
8. Obligations (other than securities and leases) of states and political subdivisions
in the U.S. (includes nonrated industrial development obligations)____________________________ 2107 181,548 8
---------
9. Other Loans:
a. Loans for purchasing or carrying securities (secured and unsecured)________________________ 1546 35,769 9.a
---------
b. All other loans (exclude consumer loans)___________________________________________________ 1584 112,804 9.b
---------
10. Lease financing receivables (net of unearned income):
a. Of U.S. addressees (domicile)______________________________________________________________ 2182 116,856 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 0 11.
---------
12. Total loans and leases, net of unearned income (sum of items 1 through 10
minus item 11) (must equal Schedule RC, Item 4.a)_____________________________________________ 2122 4,866,971 12
---------
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date: 06/30/97 State #: 12-1159 FFIEC 032
P.O. BOX 4418 CENTER 632 Vendor ID: D Cert #: 21043 RC-7
ATLANTA, GA 30302 Transit #: 06310215
---------
15
---------
Schedule RC-C - Continued
Part I. Continued
Memoranda Dollar Amounts in Thousands
- ------------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C>
1. Not applicable.
2. Loans and Leases restructured and in compliance with modified terms (included in
Schedule RC-C, part I, above, and not reported as past due or nonaccrual in Schedule RC-N.
Memorandum item 1):
a. Loans secured by real estate: RCON
(1) To U.S. addressees (domicile)_______________________________________________________ 1687 0 M.2.a.1
---------
(2) To non-U.S. addressees (domicile)___________________________________________________ 1689 0 M.2.a.2
---------
b. All other loans and 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____________________ 8892 0 M.2.c
---------
3. Maturity and repricing data for loans and leases (excluding those in nonaccrual status):
a. Closed-end loans secured by first liens on 1-4 family residential properties
with a remaining maturity or repricing frequency of: (1, 2)
(1) Three months or less________________________________________________________________ A584 515 M.3.a1
---------
(2) Over three months through 12 months_________________________________________________ A568 890,587 M.3.a2
---------
(3) Over one year through three years___________________________________________________ A586 227 M.3.a3
---------
(4) Over three years through five years_________________________________________________ A567 872 M.3.a4
---------
(5) Over five years through 15 years____________________________________________________ A688 20,301 M.3.a5
---------
(6) Over 15 years_______________________________________________________________________ A568 39,039 M.3.a6
---------
b. All loans and leases other than closed-end loans secured by first liens on 1-4 family
residential properties with a remaining maturity or repricing frequency of: (1, 3)
(1) Three months or less________________________________________________________________ A570 1,587,252 M.3.b1
---------
(2) Over three months through 12 months_________________________________________________ A571 2,165,145 M.3.b2
---------
(3) Over one year through three years___________________________________________________ A572 35,135 M.3.b3
---------
(4) Over three years through five years_________________________________________________ A573 117,400 M.3.b4
---------
(5) Over five years through 15 years____________________________________________________ A574 160 M.3.b5
---------
(6) Over 15 years_______________________________________________________________________ A575 106 M.3.b6
c. Fixed rate AND floating rate loans and leases with a REMAINING MATURITY of one
year or less (included in Memorandum items 3.a and 3.b above)___________________________ A247 1,359,759 M.3.c
---------
d. Fixed rate AND floating rate loans secured by nonfarm nonresidential properties (4)
with a REMAINING MATURITY of over five years (included in
Memorandum item 3.b above)______________________________________________________________ A577 135,417 M.3.d
---------
e. Fixed rate AND floating rate commercial and industrial loans (5) with a REMAINING
MATURITY of over three years (included in Memorandum items 3.b above)___________________ A578 878,813 M.3.e
---------
</TABLE>
- ---------
(1) Report fixed rate loans and leases by remaining maturity and floating
rate loans by repricing frequency.
(2) Sum of Memorandum items 3.a.(1) through 3.a.(6) plus total nonaccrual
closed-end loans secured by first liens on 1-4 family residential
properties included in Schedule RC-N, Memorandum item 3.c.(2), column
C, must equal total closed-end loans secured by first liens on 1-4
family residential properties from Schedule RC-C, part 1, item
1.c.(2)(a).
(3) Sum of Memorandum items 3.b.(1) through 3.b.(6) plus total nonaccrual
loans and leases from Schedule RC-N, sum of items 1 through 8, column
C, minus nonaccrual closed-end loans secured by first liens on 1-4
family residential properties included in Schedule RC-N, Memorandum
item 3.c.(2), column C, must equal total loans and leases from
Schedule RC-C, Part 1, sum of items 1 through 10, minus total closed-
end loans secured by first liens on 1-4 family residential properties
in domestic offices from Schedule RC-C, part 1, item 1.c.(2)(a).
(4) As defined for Schedule RC-C, part 1, item 1.a, column B.
(5) As defined for Schedule RC-C, part 1, item 4, column A.
<PAGE>
<TABLE>
<CAPTION>
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date: 06/30/97 State #: 12-1169 FFIEC 032
P.O. BOX 4418 CENTER 632 Vendor ID: D Cert #: 21043 RC-8
ATLANTA, GA 30302 Transit # 06310215
---------
16
---------
SCHEDULE RC-C - CONTINUED
Part I. Continued
Memoranda Dollar Amounts in Thousands
- -----------------------------------------------------------------------------------------------------------------------
RCON
<S> <C> <C> <C>
4. Loans to finance commercial real estate, construction, and land development activities
(not secured by real estate) included in Schedule RC-C, items, items 4 and 9.b,
page RC-6(1)___________________________________________________________________________________ 2746 67,904 M.4
---------
5. Loans and leases held for sale (included in Schedule RC-C, part 1, page RC-C)__________________ 5389 8,078 M.5
---------
6. Adjustable rate closed-end loans secured by first liens on 104 family residential properties
(included in Schedule RC-C, part 1, item 1.e.(2)(a). page RC-S)_________________________________ 5370 789,973 M.6
---------
- ----------
(1) Exclude loans secured by real estate that are included in Schedule RC-C, part I, items I.a through I.e.
SCHEDULE RC-D TRADING ASSETS AND LIABILITIES
Schedule RC-D is to be completed 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).
C320
Dollar Amounts in Thousands
__________________________________________________________________________________________________________________________
ASSETS RCON
1. U.S. Treasury securities______________________________________________________________________ 3531 0 1
---------
2. U.S. Government agency obligations (exclude mortgage-backed securities)_______________________ 3632 0 2
---------
3. Securities issued by states and political subdivisions in the U.S.____________________________ 3533 0 3
---------
4. Mortgage-backed securities (MBS):
a. Pass-through securities issued or guaranteed by FNMA, FHLMC, or GNMA_______________________ 3534 0 4.a
---------
b. Other mortgage-backed securities issued or guaranteed by FNMA, FHLMC, or GNMA
(include CMOs, REMICs, and stripped MBS)__________________________________________________ 3535 0 4.b
---------
c. All other mortgage-backed securities________________________________________________________ 3536 0 4.c
---------
5. Other debt securities_________________________________________________________________________ 3537 0 5
---------
6. Certificates of deposit_______________________________________________________________________ 3538 0 6
---------
7. Commercial paper______________________________________________________________________________ 3539 0 7
---------
8. Bankers acceptances___________________________________________________________________________ 3540 0 8
---------
9. Other trading assets__________________________________________________________________________ 3541 0 9
---------
10. Not applicable
11. Revaluation gains on interest rate, foreign exchange rate, and other commodity and equity
contracts_____________________________________________________________________________________ 3543 0 11
---------
12. Total trading assets (sum of items 1 through 11) (must equal Schedule RC, item 5)_____________ 3545 0 12
---------
LIABILITIES
13. Liability for short positions_________________________________________________________________ 3546 0 13
---------
14. Revaluation losses on interest rate, foreign exchange rate, and other commodity and equity
contracts_____________________________________________________________________________________ 3547 0 14
---------
15. Total trading liabilities (sum of items 13 and 14)(must equal Schedule RC, item 15.b)_________ 3548 0 15
---------
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date: 06/30/97 State #: 12-1169 FFIEC 032
P.O. BOX 4418 CENTER 632 Vendor ID: D Cert #: 21043 RC-8a
ATLANTA, GA 30302 Transit #: 06310215
<S> <C> <C> <C>
---------
16a
---------
SCHEDULE RC-C - CONTINUED
Part II. LOANS TO SMALL BUSINESSES AND SMALL FARMS
Schedule RC-C, Part II is to be reported only with the June Report of Condition.
Report the number and amount currently outstanding as of June 30 of business loans with "original amounts" of $1,000,000
or less and farm loans with "original amounts" of $500,000 or less. The following guidelines should be used to determine the
"original amount" of a loan: (1) For loans drawn down under lines of credit or loan commitments, the "original amount" of the
loan is the size of the line of credit of loan commitments when the line of credit or loan commitment was most recently approved,
extended, or renewed prior to the report date. However, if the amount currently outstanding as of the report date exceeds this
size, the "original amount" is the amount currently outstanding on the report date. (2) For loan participations and syndications,
the "original amount" of the loan participation or syndication in the entire amount of credit originated by the lead lender.
(3) For all other loans, the "original amount" is the total amount of the loan at origination or the amount currently outstanding
as of the report date, whichever is larger.
LOANS TO SMALL BUSINESSES 1318
1. Indicate in the appropriate box at the right whether all or substantially all of the dollar volume of your
bank's "Loans secured by nonfarm nonresidential properties" reported in Schedule RC-C, part I, item 1.e,
and all or substantially all of the dollar volume of your bank's "Commercial and industrial loans to U.S.
addresses" reported in Schedule RC-C, part I, Item 4.a have original amounts of $100,000 or less
(If your bank has no loans outstanding in BOTH of these two loan categories, place an "X" in the box marked
"NO") _____________ RCON YES/NO
6999 NO 1
If YES, complete items 2.a and 2.b below, skip items 3 and 4, and go to item 5.
If NO, and your bank has loans outstanding in either loan category, skip items 2.a and 2.b, complete items 3 and 4 below, and go to
item 5. If NO and your bank has no loans outstanding in both loan categories, skip items 2 through 4, and go to item 5:
2. Report the total number of loans currently outstanding for each of the following
Schedule RC-C, part I, loan categories:
a. "Loans secured by nonfarm nonresidential properties" reported in Schedule RC-C. Number
part I, item 1.e (Note: Item 1.a divided by the number of loans RCON of loans
should NOT exceed $100,000.) _______________________________________________________ 5582 N/A 2.a
b. "Commercial and industrial loans" reported in Schedule RC-C, part I, Item 4.a
(Note: Item 4.a divided by the number of loans should NOT exceed $100,000) _________ 5553 N/A 2.b
<CAPTION>
Dollar Amounts in Thousands
- ---------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C>
(Column A) (Column B)
Number Number
of Loans of Loans
Currently
Outstanding
3. Number and amount currently outstanding of "Loans secured by nonfarm
nonresidential properties" reported in Schedule RC-C, part I, Item 1.e (sum
of items 3.a through 3.c must be less than or equal to Schedule RC-C, part I,
item 1.e): RCON RCON
a. With original amounts of $100,000 or less 5564 213 5,565 11,558 3.a
b. With original amounts of more than $100,000 through $250,000 5586 336 6,687 48,935 3.b
c. With original amounts of more than $250,000 through $1,000,000 5588 315 5,569 133,841 3.c
4. Number and amount currently outstanding of "Commercial and industrial loans
to U.S. addressees" reported in Schedule RC-C, part I, item 4.a (sum of
items 4.a through 4.c must be less than equal to Schedule RC-C, part I,
item 4.a):
a. With original amounts of $100,000 or less 5570 2,351 5,571 50,366 4.a
b. With original amounts of more than $100,000 through $250,000 5572 321 5,573 35,548 4.b
c. With original amounts of more than $250,000 through $1,000,000 5574 256 5,575 71,675 4.c
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date: 06/30/97 State #: 12-1159 FFIEC 032
P.O. BOX 4418 CENTER 632 Vendor ID: D Cert #: 21043 RC-ab
ATLANTA, GA 30302 Transit #: 06310216
<S> <C> <C> <C>
---------
16b
---------
Schedule RC-C - Continued
Part II. Continued
Agricultural Loans to Small Farms
5. Indicate in the appropriate box at the right whether all or substantially all of the dollar volume of your
bank's "Loans secured by farmland (including farm residential and other improvements)" reported in
Schedule RC-C, part I, item 1.b, and all or substantially all of the dollar volume of your bank's
"Loans to finance agricultural production and other loans to farmers" reported in Schedule RC-C,
part I, item 3, have original amounts of $100,000 or less (if your bank has no loans outstanding in RCON YES/NO
---- ------
BOTH of these two loan categories, place an "X" in the box marked "NO".)_____________________________________ 8860 NO 5
------
If YES, complete items 6.a and 6.b below and do not complete items 7 and 8.
If NO, and your bank has loans outstanding in either loan category skip items 6.a
and 6.b and complete items 7 and 8 below. If NO and your bank has no loans
outstanding in both loan categories, do not complete items 6 through 8.
6. Report the total number of loans currently outstanding for each of the following
Schedule RC-C, part I, loan categories:
a. "Loans secured by farmland (including farm residential and other improvements)" Number
reported in Schedule RC-C, part I, item 1.b (Note: Item 1.b divided by the number RCON of Loans
----
of loans should NOT exceed $100,000.)__________________________________________________ 5575 N/A 6.a
b. "Loans to finance agricultural production and other loans to farmers" reported in
Schedule RC-C, part I, item 3 (Note: Item 3 divided by the number of loans
should NOT exceed $100,000.)___________________________________________________________ 5577 N/A 6.b
Dollar Amounts in Thousands
- --------------------------------------------------------------------------------------------------------------------------------
7. Number and amount currently outstanding of "Loans secured by farmland (including (Column A) (Column B)
farm residential and other improvements)" reported in Schedule RC-C, part I, item 1.b Number Amount
(sum of items 7.a through 7.c must be less than or equal to Schedule RC-C, part I, of Loans Currently
Item 1.b): RCON RCON Outstanding
---- ----------- ----- -----------
a. With original amounts of $100,000 or less____________________________________________ 5578 2 5.678 110 7.a
----------- -----------
b. With original amounts of more than $100,000 through $250,000_________________________ 5580 3 5.581 651 7.b
----------- -----------
c. With original amounts of more than $250,000 through $500,000_________________________ 5582 2 5.583 355 7.c
----------- -----------
8. Number and amount currently outstanding of "Loans to finance agricultural production
and other loans to farmers" reported in Schedule RC-C, part I, item 3 (sum of
items 8.a through 8.c must be less than or equal to Schedule RC-C, part I, item 3):
----------- -----------
a. With original amounts of $100,000 or less____________________________________________ 5584 2 5.585 29 8.a
----------- -----------
b. With original amounts of more than $100,000 through $250,000_________________________ 5586 2 5.587 286 8.b
----------- -----------
c. With original amounts of more than $250,000 through $500,000_________________________ 5588 0 5.589 0 8.c
----------- -----------
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date: 06/30/97 State #: 12-1169 FFIEC 032
P.O. BOX 4418 CENTER 632 Vendor ID: D Cert #: 21043 RC-9
ATLANTA, GA 30302 Transit#: 06310215
---------
17
---------
SCHEDULE RC-E - DEPOSIT LIABILITIES
C325
----Transaction Accounts---- -Nontransaction-
Accounts
(Column A) (Column B) (Column C)
Total Memo:Total Total
Transaction Demand nontransaction
Dollar Amounts in Thousands accounts Deposits Accounts
- ------------------------------------------------------------------- (including total (included in (including
demand deposits) column A) MMDAs)
DEPOSITS OF: RCON RCON RCON
---- ----------- ---- ----------- ---- -----------
<S> <C> <C> <C> <C> <C> <C> <C>
1. Individuals, partnerships and corporations______________________ 2201 1,016,494 2240 859,039 2345 2,714,993 1
----------- ----------- -----------
2. U.S. Government_________________________________________________ 2202 1,785 2280 1,785 2520 0 2
----------- ----------- -----------
3. States and political subdivisions in the U.S.___________________ 2203 21,025 2290 17,496 2530 8,735 3
----------- ----------- -----------
4. Commercial banks in the U.S.____________________________________ 2206 156,344 2310 156,344 2550 0 4
----------- ----------- -----------
5. Other depository institutions in the U.S._______________________ 2207 6,185 2312 6,185 2348 0 5
----------- ----------- -----------
6. Banks in foreign countries______________________________________ 2213 398 2320 398 2236 0 6
----------- ----------- -----------
7. Foreign governments, and official institutions ----------- ----------- -----------
(including foreign central banks)_______________________________ 2218 0 2300 0 2377 0 7
----------- ----------- -----------
8. Certified and official checks___________________________________ 2330 33,946 2330 33,946 8
----------- -----------
9. Total (sum of items 1 through 8) (sum of
columsn A and C must equal Schedule RC. ----------- ----------- -----------
item 13.a)______________________________________________________ 2215 1,236,177 2210 1,076,193 2385 2,723,728 9
----------- ----------- -----------
<CAPTION>
Memoranda Dollar Amounts in Thousands
- ----------------------------------------------------------------------------------------------------------------------------
1. Selected components of total deposits (i.e., sum of Item 9, columns A and C): RCON
---- -----------
<S> <C> <C> <C>
a. Total individual Retirement Accounts (IRAs) and Keogh Plan accounts_____________________________ 6835 144,764 M.1.a
-----------
b. Total brokered deposits_________________________________________________________________________ 2385 4,000 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 date 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)____________________ 4243 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)________________________ 4244 4,000 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 25,215 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 826,360 M.2.a1
-----------
(2) Other savings deposits (excludes MMDAs)_____________________________________________________ 0352 980,847 M.2.a2
-----------
b. Total time deposits of less than $100,000_______________________________________________________ 6648 692,447 M.2.b
-----------
c. Total time deposits of $100,000 or more_________________________________________________________ 2604 224,074 M.2.c
-----------
3. All NOW accounts (included in column A above)______________________________________________________ 2398 160,984 M.3
-----------
4. Not applicable
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date: 06/30/97 State #: 12-1169 FFIEC 032
P.O. BOX 4418 CENTER 632 Vendor ID: D Cert #: 21043 RC-10
ATLANTA, GA 30302 Transit #: 06310215
---------
18
---------
SCHEDULE RC-B - CONTINUED
Memoranda (continued) Dollar Amounts in Thousands
- ------------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C>
5. Maturity and repricing data for time deposits of less than $100,000:
a. Time deposits of less than $100,000 with a remaining maturity or repricing
frequency of: (1, 2) RCON
----
(1) Three months or less___________________________________________________________________ A579 184,998 M.5.a1
--------
(2) Over three months through 12 months____________________________________________________ A580 292,179 M.5.a2
--------
(3) Over one year through three years______________________________________________________ A581 200,611 M.5.a3
--------
(4) Over three years_______________________________________________________________________ A582 14,659 M.5.a4
--------
b. Fixed rate AND floating rate time deposits of less than $100,000 with a REMAINING
MATURITY of one year or less (included in Memorandum items 5.a.(1)
through 5.a.(4) above)_____________________________________________________________________ A241 472,228 M.5.b
--------
6. Maturity and repricing data for time deposits of $100,000 or more:
a. Time deposits of $100,000 or more with a remaining maturity or repricing
frequency of: (1, 3)
(1) Three months or less___________________________________________________________________ A584 65,148 M.6.a1
--------
(2) Over three months through 12 months____________________________________________________ A585 99,876 M.6.a2
--------
(3) Over one year through three years______________________________________________________ A586 52,668 M.6.a3
--------
(4) Over three years_______________________________________________________________________ A587 6,383 M.6.a4
--------
b. Fixed rate AND floating rate time deposits of less than $100,000 with a REMAINING
MATURITY of one year or less (included in Memorandum items 5.a.(1)
through 5.a.(4) above)_____________________________________________________________________ A242 164,880 M.6.b
--------
- -------------
(1) Report fixed rate time deposits by remaining maturity and floating rate time deposits by repricing
frequency.
(2) Sum of Memorandum items 5.a (1) through 5.a (4) must equal Schedule RC-E Memorandum item 2.b above.
(3) Sum of Memorandum items 6.a (1) through 6.a (4) must equal Schedule RC-E Memorandum item 2.c above.
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
<S> <C> <C> <C>
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date: 06/30/97 State #: 12-1169 FFIEC 032
P.O. BOX 4418 CENTER 832 Vendor ID: D Cert #: 21043 RC-11
ATLANTA, GA 30302 Transit #: 06210215
19
</TABLE>
SCHEDULE RC-F -- OTHER ASSETS
C330
<TABLE>
<CAPTION>
Dollar Amounts in Thousands
- -----------------------------------------------------------------------------------------------------------------------------------
RCON
----
<S> <C> <C> <C>
1. Income earned, not collected on loans______________________________________________________________ 2164 27,389 1.
2. Net deferred tax assets (1)________________________________________________________________________ 2148 30,912 2.
3. Interest-only strips receivable (not in the form of a security)(2) on:
a. Mortgage loans__________________________________________________________________________________ A519 0 3.a
b. Other financial assets__________________________________________________________________________ A520 0 3.b
4. Other (itemize and describe amounts that exceed 25% of this item)__________________________________ 2188 40,228 4.
</TABLE>
<TABLE>
<CAPTION>
TEXT RCON
----
<S> <C> <C> <C>
a. 3549 SECURITIES-ACCRD INC. 3549 11,573 4.a
b. 3550 CR CD-EXCHANGE/CLEAR 3550 10,581 4.b
c. 3551 3551 0 4.c
</TABLE>
<TABLE>
<CAPTION>
RCON
----
<S> <C> <C> <C>
5. Total (sum of items 1 through 4) (must equal Schedule RC, Item 11)__________________________________ 2160 98,529 5.
</TABLE>
<TABLE>
<CAPTION>
Dollar Amounts in Thousands
- -----------------------------------------------------------------------------------------------------------------------------------
MEMORANDUM RCON
----
<S> <C> <C> <C>
1. Deferred tax assets disallowed for regulatory capital purposes______________________________________ 5610 0 M.1
</TABLE>
SCHEDULE RC-G -- OTHER LIABILITIES
C335
<TABLE>
<CAPTION>
Dollar Amounts in Thousands
- -----------------------------------------------------------------------------------------------------------------------------------
RCON
----
<S> <C> <C> <C>
1. a. Interest accrued and unpaid on deposits (3)______________________________________________________ 3645 9,547 1.a
b. Other expenses accrued and unpaid (includes accrued income taxes payable)________________________ 3646 10,596 1.b
2. Net deferred tax liabilities (1)____________________________________________________________________ 3049 0 2.
3. Minority interest in consolidated subsidiaries______________________________________________________ 3000 0 3.
4. Other (itemize and describe amounts that exceed 25% of this item)___________________________________ 2938 5,404 4.
</TABLE>
<TABLE>
<CAPTION>
TEXT RCON
----
<S> <C> <C> <C>
a. 3552 UNEARNED I/C INSURANCE 3562 1,395 4.a
b. 3553 3553 0 4.b
c. 3554 3554 0 4.c
</TABLE>
<TABLE>
<CAPTION>
RCON
----
<S> <C> <C> <C>
5. Total (sum of items 1 through 4) (must equal Schedule RC, Item 20)__________________________________ 2930 25,547 5.
</TABLE>
__________________
(1) See discussion of deferred income taxes in Glossary entry on "income taxes."
(2) Report interest-only strips receivable in the form of a security as
available-for sale securities in Schedule RC, item 2.b, or as trading assets
in Schedule RC, item 5, as appropriate.
(3) For savings banks, includes "dividends" accrued and unpaid on deposits.
<PAGE>
<TABLE>
<CAPTION>
<S> <C> <C> <C>
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date: 06/30/97 State #: 12-1159 FFIEC 032
P.O. BOX 4418 CENTER 632 Vendor ID: D Cert #: 21043 RC-12
ATLANTA, GA 30302 Transit #: 06310215
20
</TABLE>
SCHEDULE RC-K - QUARTERLY AVERAGES (1)
C366
<TABLE>
<CAPTION>
Dollar Amounts in Thousands
- -----------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C>
ASSETS RCON
----
1. Interest-bearing balances due from depository institutions___________________________________ 3381 4,166 1.
2. U.S. Treasury securities. U.S. Government agency obligations (2)____________________________ 3382 860,166 2.
3. Securities issued by states and political subdivisions in the U.S. (2)_______________________ 3383 40,177 3.
4. a. Other debt securities (2)_________________________________________________________________ 3647 250 4.a
b. Equity securities (3) (includes investments in mutual funds and Federal Reserve stock)____ 3648 16,371 4.b
5. Federal funds sold and securities purchased under agreements to resell_______________________ 3365 563,326 6
6. Loans:
a. Total loans______________________________________________________________________________ 3380 4,650,283 6.a
b. Loans secured by real estate_____________________________________________________________ 3385 1,736,192 6.b
c. Loans to finance agricultural production and other loans to farmers______________________ 3386 33,346 6.c
d. Commercial and industrial loans__________________________________________________________ 3387 1,912,418 6.d
e. Loans to individuals for household, family, and other personal expenditures______________ 3388 509,803 6.e
7. Trading assets_______________________________________________________________________________ 3401 0 7.
8. Lease financing receivables (net of unearned income)_________________________________________ 3484 111,441 8.
9. Total assets (4)_____________________________________________________________________________ 3358 6,727,489 9.
LIABILITIES
10. Interest-bearing transaction accounts (NOW accounts, ATE accounts, and telephone and
preauthorized transfer accounts) (exclude demand deposits)___________________________________ 3485 167,549 10.
11. Nontransaction accounts:
a. Money market deposit accounts (MMDAs)____________________________________________________ 3488 813,872 11.a
b. Other savings deposits___________________________________________________________________ 3487 981,969 11.b
c. Time deposits of $100,000 or more________________________________________________________ A514 220,456 11.c
d. Time deposits of less than $100,000______________________________________________________ A529 889,484 11.d
12. Federal funds purchased and securities sold under agreements to repurchase___________________ 3353 2,208,205 12
13. Other borrowed money (includes mortgage indebtedness and obligations under capitalized
leases)______________________________________________________________________________________ 3355 29,983 13
</TABLE>
____________
(1) For all items, banks have the option of reporting either (1) an average
of daily figures for the quarter or (2) an average of weekly figures (i.e.,
the Wednesday of each week of the quarter).
(2) 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 averages for total assets should reflect all debt securities
(not held for trading) at amortized cost, equity securities with readily
determinable fair values at the lower of cost or fair value, and equity
securities without readily determinable fair values at historical cost.
<PAGE>
<TABLE>
<CAPTION>
<S> <C> <C> <C>
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date: 06/30/97 State #: 12-1159 FFIEC 032
P.O. BOX 4418 CENTER 632 Vendor ID: D Cert #: 21043 RC-13
ATLANTA, GA 30302 Transit #: 06310215
</TABLE>
Schedule RC-L - Off-Balance Sheet Items
Please read carefully the instructions for the preparation of Schedule RC-L.
Some of the amnounts reported in Schedule RC-L are regarded as volume indicators
and not necessarily as measures of risk.
C360
<TABLE>
<CAPTION>
Dollar Amounts in Thousands
- --------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C>
1. Unused commitments:
a. Revolving, open-end lines secured by 1-4 family residential properties, RCON
e.g., home equity lines__________________________________________________________ 3814 171,890 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 161,337 1.c.1
(2) Commitments to fund loans not secured by real estate_________________________ 6550 81,384 1.c.2
d. Securities underwriting__________________________________________________________ 3817 0 1.d
e. Other unused commitments_________________________________________________________ 3818 5,197,746 1.e
2. Financial standby letters of credit__________________________________ RCON 3819 615,348 2.
a. Amount of financial standby letters of credit conveyed to others__ 3820 276,919 2.a
3. Performance standby letters of credit_______________________________________________ 3821 30,476 3.
a. Amount of performance standby letters of credit conveyed to others 3822 8,183 3.a
4. Commercial and similar letters of credit____________________________________________ 3411 11,686 4.
5. Participations in acceptances (as described in the instructions) conveyed to others
by the reporting bank_______________________________________________________________ 3428 408 5.
6. Participations in acceptances (as described in the instructions) acquired by the
reporting (nonaccepting) bank_______________________________________________________ 3429 0 6.
7. Securities borrowed_________________________________________________________________ 3432 0 7.
8. Securities lent (including customers' securities lent where the customer is
indemnified against loss by the reporting bank)_____________________________________ 3400 0 8.
9. Financial assets transferred with recourse that have been treated as
sold for Call Report purposes:
a. First lien 1-to-4 family residential mortgage loans:
(1) Outstanding principal balance of mortgages transferred RCON
as of the report date________________________________________________________ A621 0 9.a.1
(2) Amount of recourse exposure on these mortgages
as of the report date________________________________________________________ A622 0 9.a.2
b. Other financial assets (excluding small business obligations
reported in Item 9.a):
(1) Outstanding principal balance of assets transferred
as of the report date________________________________________________________ A623 0 9.b.1
(2) Amount of recourse exposure on these assets
as of the report date________________________________________________________ A624 0 9.b.2
c. Small business obligations transferred with recourse under Section 208 of the
Riegle Community Development and Regulatory Improvement Act of 1994:
(1) Outstanding principal balance of small business obligations
(1) Outstanding principal balance of small business obligations transferred as
of the report date___________________________________________________________ A249 0 9.c.1
(2) Amount of retained recourse on these obligations as of the report date_______ A250 0 9.c.2
10. Notional amount of credit derivatives:
a. Credit derivatives on which the reporting bank is the guarantor__________________ A534 0 10.a
b. Credit derivatives on which the reporting bank is the beneficiary________________ A636 0 10.b
11. Spot foreign exchange contracts_____________________________________________________ 8765 0 11
12. All other off-balance sheet liabilities (exclude off-balance sheet derivatives)
(itemize and describe each component of this item over 25% of Schedule RC, Item 28,
"Total equity capital")_____________________________________________________________ 3430 0 12
TEXT RCON
a. 3555 3555 0 12.a
b. 3556 3556 0 12.b
c. 3557 3557 0 12.c
d. 3558 3558 0 12.d
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
<S> <C> <C> <C>
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date: 06/30/97 State #: 12-1159 FFIEC 032
P.O. BOX 4418 CENTER 632 Vendor ID: D Cert #: 21043 RC-14
ATLANTA, GA 30302 Transit #: 06310215
22
</TABLE>
SCHEDULE RC-L - CONTINUED
<TABLE>
<CAPTION>
Dollar Amounts in Thousands
- -----------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C> <C>
13. All other off-balance sheet assets (exclude off-balance sheet derivatives) RCON
(itemize and describe each component of this item over 25% Schedule RC, ----
item 28. Total equity capital)_______________________________________________________________ 5591 0 13
TEXT RCON
----
a. 5592 5592 0 13.a
b. 5593 5593 0 13.b
c. 5594 5594 0 13.c
d. 5595 5595 0 13.d
C361
</TABLE>
<TABLE>
<CAPTION>
OFF-BALANCE SHEET DERIVATIVES (Column A) (Column B) (Column C) (Column D)
POSITION INDICATORS Interest Foreign Equity Commodity
Rate Exchange Derivative and other
Contracts Contracts Contracts Contracts
<S> <C> <C> <C> <C> <C> <C> <C> <C>
14. Gross amounts (e.g., national
amounts) (for each column, sum of
items 14.a through 14.e must equal
sum of items 15, 16.a and 16.b): RCON RCON RCON RCON
---- ---- ---- ----
a. Futures contracts_____________ 8693 0 8694 0 8695 0 8696 0 14.a
b. Forward contracts_____________ 8697 0 8698 0 8699 0 8700 0 14.b
c. Exchange-traded option contracts:
(1) Written options___________ 8701 0 8702 0 8703 0 8704 0 14.c1
(2) Purchased options_________ 8705 0 8706 0 8707 0 8708 0 14.c2
d. Over-the-counter options contracts:
(1) Written options___________ 8709 0 8710 0 8711 0 8712 0 14.d1
(2) Purchased options_________ 8713 0 8714 0 8715 0 8716 0 14.d2
e. Swaps_________________________ 3450 148,893 3826 0 8719 0 8720 0 14.e
15. Total gross national amount of
derivative contracts held for trading A126 0 A127 0 8723 0 8724 0 15
16. Total gross national amount of
derivative contracts held for
purposes other than trading:
a. Contracts marked to market____ 8725 0 8726 0 8727 0 8728 0 16.a
b. Contracts not marked to market 8729 148,893 8730 0 8731 0 8732 0 16.b
c. Interest rate swaps where the
bank has agreed to pay a fixed
rate__________________________ A589 48,893 16.c
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
<S> <C> <C> <C>
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date: 06/30/97 State #: 12-1159 FFIEC 032
P.O. BOX 4418 CENTER 832 Vendor ID: D Cert #: 21043 RC-16
ATLANTA, GA 30302 Transit #: 06310215
23
</TABLE>
SCHEDULE RC-L CONTINUED
<TABLE>
<CAPTION>
Dollar Amounts in Thousands
- ----------------------------------------------------------------------------------------------------------------------------
OFF-BALANCE SHEET DERIVATIVES (Column A) (Column B) (Column C) (Column D)
POSITION INDICATORS Interest Foreign Equity Commodity
Rate Exchange Derivative and other
RCON Contracts RCON Contracts RCON Contracts RCON Contracts
---- ---- ---- ----
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
17. Total gross fair value of derivative
contracts:
a. Contracts held for trading:
(1) Gross positive fair value___ 8733 0 9734 0 8735 0 8736 0 17.a1
(2) Gross negative fair value___ 8737 0 8738 0 8739 0 8740 0 17.a2
b. Contracts held for purposes
other than trading that are
marked to market:
RCON RCON RCON RCON
---- ---- ---- ----
(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:
RCON RCON RCON RCON
---- ---- ---- ----
(1) Gross positive fair value___ 8749 515 8750 0 8751 0 8752 0 17.c1
(2) Gross negative fair value___ 8753 1,041 8754 0 8755 0 8756 0 17.c2
</TABLE>
<TABLE>
<CAPTION>
MEMORANDA Dollar Amounts in Thousands
- ----------------------------------------------------------------------------------------------------------------------------
RCON
----
<S> <C> <C> <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 3,797,551 M.3
RCON
----
a. Participations in commitments with an original maturity exceeding one year conveyed
to others_________________________________________________________________________ 3834 584,502 M.3.a
RCON
----
4. To be completed only by banks with $1 billion or more in total assets:
Standby letters of credit (both financial and performance) issued to non-U.S.
addresses (domicile) included in Schedule RC-L, items 2 and 3, above_________________ 3377 1,585 M.4
5. Installment loans to individuals for household, family, and other personal
expenditures that have been securitized and sold (with servicing retained), amounts
outstanding by type of loan:
RCON
----
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>
<TABLE>
<CAPTION>
<S> <C> <C> <C>
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date: 06/30/97 State #: 12-1159 FFIEC 032
P.O. BOX 4418 CENTER 632 Vendor ID: D Cert #: 21043 RC-16
ATLANTA, GA 30302 Transit #: 06310215
24
</TABLE>
SCHEDULE RC-M-MEMORANDA
C365
<TABLE>
<CAPTION>
Dollar Amounts in Thousands
- -----------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C>
1. Extension of credit by the reporting bank to its executive officers, directors, principal RCON
shareholders, and their related interests as of the report date: ----
a. Aggregate amount of all extensions of credit to all executive officers, directors,
principal shareholders, and their related interests_____________________________________ 6164 200,705 1.a
b. Number of executive officers, directors, and principal shareholders to whom the amount of
all extensions of credit by the reporting bank (including extensions of credit to related
interests) equals or exceeds the lesser of $500,000 or 5 percent of total capital as
defined for this purpose in agency regulations_________________ RECON NUMBER 1.b
----- ------
6185 14 RCON
2. Federal funds sold and securities purchased under agreements to resell with U.S. branches ----
and agencies of foreign banks (1) (included in Schedule RC, item 3)_________________________ 3405 0 2
3. Not applicable.
4. Outstanding principal balance of 1-4 family residential mortgage loans serviced for others
(include both retained servicing and purchased servicing):
a. Mortgages serviced under a GNMA contract_________________________________________________ 5500 0 4.a
b. Mortgages serviced under a FHLMC contract:
(1) Serviced with recourse to servicer___________________________________________________ 5501 0 4.b.1
(2) Serviced without recourse to servicer________________________________________________ 5502 0 4.b.2
c. 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 3,290 5.a
b. Non-U.S. addressees (domicile)___________________________________________________________ 2104 0 5.b
6. Intangible assets:
a. Mortgage servicing rights_________________________________________________________________ 3164 0 6.a
(1) Estimated fair value of mortgage servicing assets____________________________________ A590 0 6.a.1
b. Other identifiable intangible assets:
(1) Purchased credit card relationships__________________________________________________ 5506 0 6.b.1
(2) All other identifiable intangible assets_____________________________________________ 5507 0 6.b.2
c. Goodwill_________________________________________________________________________________ 3163 0 6.c
d. Total (sum of items 6.a, 6.b(1), 6.b(2), and 6.c) (must equal Schedule RC, Item 10)______ 2143 0 6.d
e. Amount of intangible assets (included in item 6.b.(2) above) that have been grandfathered
or are otherwise qualifying for regulatory capital purposes______________________________ 6442 0 6.e
7. Mandatory convertible debt, net of common or perpetual preferred stock dedicated to redeem
the debt_____________________________________________________________________________________ 3295 0 7
</TABLE>
____________________
(1) Do not report federal funds sold and securities purchased under agreements
to resell with other commercial banks in the U.S. in this item.
<PAGE>
<TABLE>
<CAPTION>
<S> <C> <C> <C>
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date: 06/30/97 State #: 12-1159 FFIEC 032
P.O. BOX 4418 CENTER 632 Vendor ID: D Cert #: 21043 RC-17
ATLANTA, GA 30302 Transit #: 06310215
25
</TABLE>
SCHEDULE RC-M - CONTINUED
<TABLE>
<CAPTION>
Dollar Amounts in Thousands
- -----------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C>
8. a. Other real estate owned: RCON
----
(1) Direct and indirect investments in real estate ventures_______________________________ 5372 0 8.a.1
(2) All other real estate owned:
(a) Construction and land development_________________________________________________ 5508 3,623 8.a.2a
(b) Farmland__________________________________________________________________________ 5509 0 8.a.2b
(c) 1-4 family residential properties_________________________________________________ 5510 2,139 8.a.2c
(d) Multifamily (5 or more) residential properties____________________________________ 5511 0 8.a.2d
(e) Nonfarm nonresidential properties_________________________________________________ 5512 0 8.a.2e
(3) Total (sum of items 8.a.(1) and 8.a.(2)) (must equal Schedule RC, item 7)_____________ 2150 5,762 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 7,804 8.b.2
(3) Total (sum of items 8.b.(1) and 8.b.(2)) (must equal Schedule RC, item B)_____________ 2130 7,804 8.b.3
9. Noncumulative perpetual preferred stock and related surplus included in Schedule RC, item 23,
"Perpetual preferred stock and related surplus"______________________________________________ 3778 0 9
10. Mutual fund and annuity sales during the quarter (including proprietary, private label, and
third party products):
a. Money market funds_______________________________________________________________________ 8441 103,501 10.a
b. Equity securities funds__________________________________________________________________ 8427 9,099 10.b
c. Debt securities funds____________________________________________________________________ 8428 4,670 10.c
d. Other mutual funds_______________________________________________________________________ 8429 6,795 10.d
e. Annuities________________________________________________________________________________ 8430 5,904 10.c
f. Sales of proprietary mutual funds and annuities (included in items 10.a. through 10.e
above)___________________________________________________________________________________ 8784 114,004 10.f
11. Net unamortized realized deferred gains (losses) on off-balance sheet derivative contracts
included in assets and liabilities reported in Schedule RC___________________________________ A525 0 11
12. Amount of assets netted against nondeposit liabilities on the balance sheet (Schedule RC)
in accordance with generally accepted accounting principles (1)______________________________ A528 0 12
13. Outstanding principal balance of loans other than 1-4 family residential mortgage loans that
are serviced for others (to be completed if this balance is more than $10 million and exceeds
ten percent of total assets)_________________________________________________________________ A581 0 13
<CAPTION>
Memorandum Dollar Amounts in Thousands
- -----------------------------------------------------------------------------------------------------------------------------------
1. Reciprocal holdings of banking organizations' capital instruments
(to be completed for the December report only)_______________________________________________ 3838 N/A M.1
</TABLE>
_____________
(1) Exclude netted on-balance sheet amounts associated with off-balance sheet
derivative contracts, deferred tax assets netted against deferred tax
liabilities, and assets netted in accounting for pensions.
<PAGE>
<TABLE>
<CAPTION>
<S> <C> <C> <C>
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date: 06/30/97 State #: 12-1159 FFIEC 032
P.O. BOX 4418 CENTER 632 Vendor ID: D Cert #: 21043 RC-18
ATLANTA, GA 30302 Transit #: 06310215
26
</TABLE>
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.
C370
<TABLE>
<CAPTION>
Dollar Amounts in Thousands
- -----------------------------------------------------------------------------------------------------------------------------
-(Column A)- -(Column B)- -(Column C)-
Past due Past due 90 Nonaccrual
30 through 89 days or more
days and still and still
RCON accruing RCON accruing RCON
---- ---- ----
<S> <C> <C> <C> <C> <C> <C> <C>
1. Loans secured by real estate:
a. To U.S. addressees (domicile)_____________________________ 1245 4,405 1246 1,419 1247 6,730 1.a
b. To non-U.S. addresses (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_____________________________________________________ 1694 0 1597 0 1583 22 3.
4. Commercial and industrial loans:
a. To U.S. addresses (domicile)______________________________ 1251 2,225 1252 94 1253 3,259 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____________________________ 6383 274 5394 22 5385 0 5.a
b. Other (includes single payment, installment, and all
student loans)___________________________________________ 5386 2,558 5387 125 5388 221 5.b
6. Loans to foreign governments and official institutions_______ 5389 0 5390 0 5391 0 6
7. All other loans______________________________________________ 5459 0 5480 0 5481 0 7
8. Lease financing receivables:
a. Of U.S. addresses (domicile)______________________________ 1257 137 1258 0 1259 0 8.a
b. Of non-U.S. addresses (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
==================================================================================================================================
</TABLE>
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.
<TABLE>
<CAPTION>
RCON RCON RCON
---- ---- ----
<S> <C> <C> <C> <C> <C> <C> <C>
10. Loans and leases reported in items 1 through 8 above
which are wholly or partially guaranteed by the U.S.
Government_________________________________________________ 5612 34 5613 39 5814 585 10
a. Guaranteed portion of loans and leases included in
item 10 above___________________________________________ 5615 30 5616 35 5617 462 10.a
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
<S> <C> <C> <C> <C>
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date: 06/30/97 State#: 12-1159 FFIEC
P.O. BOX 4418 CENTER 632 Vendor ID: D Cert #: 21043 RC-19
Transit #: 06310215
27
-----
</TABLE>
SCHEDULE RC-N CONTINUED
C373
<TABLE>
<CAPTION>
DOLLAR AMOUNTS IN THOUSANDS
___________________________________________________________________________________________________________________________
MEMORANDA -(Column A)- -(Column B)- -(Column C)-
Past due Past due 90 Nonaccruel
30 through 89 days or more
days and still and still
accruing accruing
RCON RCON RCON
---- ---- ----
<S> <C> <C> <C> <C> <C> <C> <C>
1. Restructured loans and leases included in
Schedule RC-N, items 1 through 8, above
(and not reported in Schedule RC-C,
Memorandum item 2)___________________________________ 1658 0 1658 0 1651 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__________________ 8558 0 6559 0 8580 0 M.2
----- ----- -----
3. Loans secured by real estate (sum of
Memorandum items 3.a through 3.e must
equal sum of Schedule RC-N items 1.a and
1.b above):
a. Construction and land development ________________ 2759 594 2769 0 3492 21 M.3a
----- ----- -----
b. Secured by farmland ______________________________ 3493 700 3494 0 3495 1,976 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 46 5899 24 8400 354 M.3c1
----- ----- -----
(2) All other loans secured by 1-4 family
residential properties ______________________ 5401 1,873 5402 226 5403 2,804 M.3o2
----- ----- -----
d. Secured by multifamily (5 or more) residential
properties _______________________________________ 3499 47 3500 0 3501 0 M.3d
----- ----- -----
e. Secured by nonfarm nonresidential properties _____ 3502 1,145 3503 1,169 3504 1,575 M.3e
----- ----- -----
</TABLE>
<TABLE>
<CAPTION>
-(Column A)- -(Column B)-
Past due Past due 90
30 through 89 days or more
days and still and still
accruing accruing
RCON RCON
---- ----
<S> <C> <C> <C> <C> <C>
4. Interest rate, foreign exchange rate, and other
commodity and equality 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>
PERSON TO WHOM QUESTIONS ABOUT THE REPORTS OF CONDITION AND INCOME SHOULD BE
DIRECTED:
C377
NAME TITLE AREA CODE/PHONE NUMBER/EXTENSION
8901 KEN MUTELL 8901 VICE PRESIDENT 8902 (404) 724-3833
---------- -------------- --------------
<PAGE>
<TABLE>
<S> <C> <C> <C>
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date: 06/30/97 State #: 12-1159 FFIEC 032
P.O. BOX 4418 CENTER 632 Vendor ID: D Cert #: 21043 RC-20
ATLANTA, GA 30302 Transit #: 06310215
28
--------
</TABLE>
SCHEDULE RC-O - OTHER DATA FOR DEPOSIT INSURANCE AND FICO ASSESSMENTS
C375
<TABLE>
<CAPTION>
Dollar Amounts in Thousands
______________________________________________________________________________________________________________________________
RCON
----
<S> <C> <C> <C>
1. Unposted debits (see instructions):
a. Actual amount of all unposted debits______________________________________________________________ 0030 864 1.a
------
OR
b. Separate amount of unposted debits:
(1) Actual amount of unposted debits to demand deposits___________________________________________ 0031 0 1.b.1
------
(2) Actual amount of unposted debits to time and savings deposits (1)_____________________________ 0032 0 1.b.2
------
2. Unposted credits (see instructions):
a. Actual amount of all unposted credits_____________________________________________________________ 3510 0 2.a
------
OR
b. Separate amount of unposted credits:
(1) Actual amount of unposted credits to demand deposits__________________________________________ 3512 19,219 2.b.1
------
(2) Actual amount of unposted credits to time and savings deposits (1)____________________________ 3514 0 2.b.2
------
3. Uninvested trust funds (cash) held in bank's own trust department (not included
in total deposits)___________________________________________________________________________________ 3520 0 3.
------
4. Deposits of consolidated subsidiaries (not included in total deposits):
a. Demand deposits of consolidated subsidiaries______________________________________________________ 2211 0 4.a
------
b. Time and savings deposits (1) of consolidated subsidiaries________________________________________ 2351 0 4.b
------
c. Interest accrued and unpaid on deposits of consolidated subsidiaries______________________________ 6514 0 4.c
------
5. Not applicable.
6. Reserve balances actually passed through to the Federal Reserve by the reporting bank on
behalf of its respondent depository institutions that are also reflected as deposit liabilities
of the reporting bank: RCON
a. Amount reflected in demand deposits (included in Schedule RC-E, ----
Memorandum Item 4.a)______________________________________________________________________________ 2314 132 6.a
------
b. Amount reflected in time and savings deposits (1) (included in Schedule RC-E,
Memorandum Item 4.b)_______________________________________________________________________________ 2315 0 6.b
------
7. Unamortized premiums and discounts on time and savings deposits:(1)(2)
a. Unamortized premiums______________________________________________________________________________ 5516 0 7.a
------
b. Unamortized discounts_____________________________________________________________________________ 5517 0 7.b
------
8. To be completed by banks with "Oakar deposits".
a. Deposits purchased or acquired from other FDIC-insured institutions during the quarter:
(1) Total deposits purchased or acquired from other FDIC-insured
institutions during the quarter_______________________________________________________________ A531 0 8.a.1
------
(2) Amount of purchased or acquired deposits reported in Item 8.a.(1) above attributable to a
secondary fund (i.e. BIF members report deposits attributable to SAIF;
SAIF members report deposits attributable to BIF_______________________________________________ AG82 0 8.a.2
------
b. Total deposits sold or transferred to other FDIC-insured institutions during the quarter__________ A533 0 8.b
------
9. Deposits in lifeline accounts________________________________________________________________________ 5596 9.
10. Benefit-responsive "Depository Institution Investment Contracts" (included in total deposits)________ 8432 0 10.
------
</TABLE>
- ---------
(1) For FDIC insurance and FICO assessment purposes, "time and savings deposits"
consists of nontransaction accounts and nontransaction accounts and all
transaction accounts other than demand deposits.
(2) Exclude core deposit intangibles.
<PAGE>
<TABLE>
<S> <C> <C> <C>
SUNTRUST BANK CENTRAL FLORIDA N.A. Call Date: 06/30/97 State #: 12-1169 FFIEC 032
P.O. BOX 4419 CENTER 632 Vendor ID: D Cert #: 21043 RC-21
ATLANTA, GA 30302 Transit #: 06310215
29
---------
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 the reporting bank's
reciprocal demand balances with the domestic offices of U.S. banks and
savings associations and insured branches in Puerto Rico and U.S. territories RCON
and possessions that were reported on a gross basis in Schedule RC-E ----
had been reported on a net basis_________________________________________________ 8785 0 11.a
---------
b. Amount by which demand deposits would be increased if the reporting bank's
reciprocal demand balances with foreign banks and foreign offices of other
U.S. banks (other than Insured branches in Puerto Rico and U.S.
territories and possessions) that were reported on a net basis in
Schedule RC-E had been reported on a gross basis_________________________________ A181 0 11.b
---------
c. Amount by which demand deposits would be reduced if cash items in process
of collection were included in the calculation of the reporting bank's net
reciprocal demand balances with the domestic offices of U.S. banks and
savings associations and insured branches in Puerto Rico and U.S.
territories and possessions in Schedule RC-E____________________________________ A182 0 11.c
---------
12. Amount of assets netted against deposit liabilities
on the balance sheet (Schedule RC) in accordance with generally accepted
accounting principles (exclude amounts related to reciprocal demand balances):
a. Amount of assets netted against demand deposits__________________________________ A527 0 12.a
---------
b. Amount of assets netted against time and savings deposits________________________ A528 0 12.b
---------
Memoranda (To be completed each quarter except as noted) Dollar Amounts in Thousands
- -----------------------------------------------------------------------------------------------------------------------
1. Total deposits 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 2,551,000 M.1.a1
---------
(2) Number of deposit accounts of $100,000 or less RCON Number
(to be completed for the June report only)_________________________ 3779 314,478 M.1.a2
-------
RCON
b. Deposit accounts of more than $100,000: ----
(1) Amount of deposit accounts of more than $100,000____________________________ 2710 1,408,905 M.1.b1
---------
(2) Number of deposit accounts of more than $100,000__________________ 2722 4,442 M.1.b2
------
2. Estimated amount of uninsured deposits of the bank:
a. An estimate of your bank's uninsured deposits can be determined by multiplying
the number of deposit accounts of more than $100,000 reported in Memorandum item
1.b.(2) above by $100,000 and subtracting the result from the amount of deposit
accounts of more than $100,000 reported in Memorandum item 1.b(1) above.
Indicate in the appropriate box at right whether your bank has a method or RCON YES/NO
procedure for determining a better estimate of uninsured deposits than the ----
estimate described above__________________________________________________________ 8881 NO 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
---------
3. Has the reporting institution been consolidated with a parent bank
or savings association in that parent bank's or parent savings association's
Call Report or Thrift Financial Report?
If so, report the legal title and FDIC Certificate Number of the RCON FDIC Cert No.
parent bank or parent savings association: ----
TEXT A545 N/A M.3
---------
</TABLE>
<PAGE>
<TABLE>
<S> <C> <C> <C>
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date: 06/30/97 State #: 12-1159 FFIEC 032
P.O. BOX 4418 CENTER 632 Vendor ID: D Cert #: 21043 RC-22
ATLANTA, GA 30302 Transit #: 06310215
30
--------
</TABLE>
SCHEDULE RC-R - REGULATORY CAPITAL
This schedule must be completed by all banks as follows: Banks that reported
total assets of $1 billion or more in Schedule RC item 12, for June 30, 1996,
must complete items 2 through 9 and Memoranda items 1 and 2.
BANKS WITH ASSETS OF LESS THAN $1 BILLION MUST COMPLETE ITEMS 1 THROUGH 3 BELOW
OR SCHEDULE RCR IN ITS ENTIRETY, DEPENDING ON THEIR RESPONSE TO ITEM 1 BELOW.
<TABLE>
<S> <C> <C> <C>
1. Test for determining the extent to which Schedule RC-R must be completed.
To be completed only by banks with total assets of less than $1 billion. RCON
Indicate in the appropriate box at the right whether the bank has total ----
capital greater than or equal to eight percent of adjusted total assets______________________________ 6056 NO 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>
NOTE: ALL BANKS ARE REQUIRED TO COMPLETE ITEMS 2 AND 3 BELOW.
<TABLE>
<CAPTION>
Dollar Amounts in Thousands
__________________________________________________________________________________________________________________________________
<S> <C> <C> <C>
2. Portion of qualifying limited-life capital instruments (original weighted RCON
average maturity of at least five years) that is includible in Tier 2 capital: ----
a. Subordinated debt (1) and intermediate term preferred stock_______________________________________ A515 100,000 2.a
---------
b. Other limited-life capital instruments____________________________________________________________ A516 0 2.b
---------
3. Amounts used in calculating regulatory capital ratios (report amounts determined by the bank
for its own internal regulatory capital analysis consistent with applicable capital standards):
a. Tier 1 capital____________________________________________________________________________________ 8274 496,068 3.a
---------
b. Tier 2 capital____________________________________________________________________________________ 8275 181,082 3.b
---------
c. Total risk-based capital__________________________________________________________________________ 3792 677,150 3.c
---------
d. Excess allowance for loan and lease losses
(amount that exceeds 1.25% of gross risk-weighted assets)_________________________________________ A222 7,168 3.d
---------
e. Net risk-weighted assets (gross risk-weighted assets less excess allowance
reported in item 3.d above and all other deductions)______________________________________________ A223 6,453,470 3.e
---------
f. "Average total assets" (quarterly average reported in Schedule RC-K,
item 9, less all assets deducted from Tier 1 capital)(2)__________________________________________ A224 6,727,489 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 Credit Equi-
Recorded valent Amount
on the of Off-Balance
Dollar Amounts in Thousands Balance Sheet Sheet Items (3)
__________________________________________________________________________________________________________________________________
<S> <C> <C> <C> <C> <C>
4. Assets and credit equivalent amount of off-balance sheet items assigned RCON
to the Zero percent risk category: ----
a. Assets recorded on the balance sheet__________________________________________ 5183 1,039,695 RCON 4.a
--------- ----
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 deduct excess allowance for loan and lease losses.
(3) Do not report in column B the risk-weighted amount of assets reported in
column A.
<PAGE>
<TABLE>
<CAPTION>
<S> <C> <C> <C>
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date: 06/30/97 State#: 12-1159 FFEIC 032
P.O. BOX 4418 CENTER 632 Vendor ID: D Cert #: 21043 RC-23
ATLANTA, GA 30302 Transit #: 06310215
</TABLE>
<TABLE>
<CAPTION>
-(Column A)- -(Column B)-
Assets Credit Equiv-
Recorded valent Amount
on the of Off-Balance
Dollar Amounts in Thousands Balance Sheet Sheet Items (2)
- ---------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C>
RCON
----
5. Assets and credit equivalent amounts of off-balance sheet items assigned to the
20 percent risk category:
a. Assets recorded in the balance sheet __________________________________________ 5165 1,131,917 RCON 5.a
--------- ----
b. Credit equivalent amount of off-balance sheet items ___________________________________________ 3801 573,262 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 1,220,769 6.a
---------
b. Credit equivalent amount of off-balance sheet items ___________________________________________ 3803 149,437 6.b
---------
7. Assets and credit equivalent amounts of off-balance sheet items
assigned to the 100 percent risk category
a. Assets recorded on the balance sheet _________________________________________ 3804 3,823,306 7.a
---------
b. Credit equivalent amount of off-balance sheet items ___________________________________________ 3805 1,811,513 7.b
---------
8. On-balance sheet asset values excluded from and deducted in
the calculation of the risk-based capital ratio(2) _____________________________ 3806 3,160 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.c plus items 4.b and 4.c) ________________________________________________ 3807 7,018,847 9.
---------
</TABLE>
<TABLE>
<CAPTION>
MEMORANDA DOLLAR AMOUNTS IN THOUSANDS
_________________________________________________________________________________________________________________________________
<S> <C> <C> <C>
1. Current credit exposure across all off-balance sheet derivative contracts covered by the
risk-based capital standards _____________________________________________________________________ 8764 515 M.1
--------
</TABLE>
<TABLE>
<CAPTION>
---------- WITH A REMAINING MATURITY OF ----------
-(Column A)- -(Column B)- -(Column B)-
One Year Over Over
or less one year five years
thru five years
<S> <C> <C> <C> <C> <C> <C> <C>
2. Notional principal amounts of off-balance
sheet derivative contracts:(3) RCON RCON RCON
---- ---- ----
a. Interest rate contracts _____________________________ 3809 0 8766 23,572 8767 125,321 M.2.a
b. Foreign exchange contracts __________________________ 3812 0 8789 0 8770 0 M.2.b
c. Gold contracts ______________________________________ 8771 0 8772 0 8773 0 M.2.c
d. Other precious metals contracts _____________________ 8774 0 8775 0 8776 0 M.2.d
e. Other commodity contracts ___________________________ 8777 0 8778 0 8779 0 M.2.e
f. Equity derivatives contracts_________________________ A000 0 A001 0 A002 0 M.2.f
</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 its
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, item 8 margin accounts
and accrued receivables not included in the calculation of credit equivalent
amounts of off-balance sheet derivatives as well as any portion of the
allowance for loan and lease losses in excess of the amount that may be
included in Tier 2 capital.
(3) Exclude foreign exchange contracts with an original maturity of 14 days or
less and all future contracts.
<PAGE>
<TABLE>
<CAPTION>
<S> <C> <C> <C>
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date: 06/30/97 State#: 12-1159 FFEIC 032
P.O. BOX 4418 CENTER 632 Vendor ID: D Cert #: 21043 RC-24
ATLANTA, GA 30302 Transit #: 05310215
</TABLE>
32
___
OPTIONAL NARRATIVE STATEMENT CONCERNING THE AMOUNTS
REPORTED IN THE REPORTS OF CONDITION AND INCOME
at close of business on June 30, 1997
SUNTRUST BANK CENTRAL FLORIDA N.A. ATLANTA GA
- ---------------------------------- ------- --
LEGAL TITLE OF BANK CITY STATE
The management of the reporting bank may, if it wishes, submit a brief narrative
statement on the amounts reported in the Reports of Condition and Income. This
optional statement will be made available to the public, along with the publicly
available data in the Reports of Condition and Income, in response to any
request for individual bank report data. However, the information reported in
column A in all of Memorandum item 1 of Schedule RC-N is regarded as
confidential and will not be released to the public.
BANKS CHOOSING TO SUBMIT THE NARRATIVE STATEMENT SHOULD ENSURE THAT THE
STATEMENT DOES NOT CONTAIN THE NAMES OR OTHER IDENTIFICATIONS OF INDIVIDUAL BANK
CUSTOMERS, REFERENCES TO THE AMOUNTS REPORTED IN THE CONFIDENTIAL ITEMS IN
SCHEDULE RC-N, OR ANY OTHER INFORMATION THAT THEY ARE NOT WILLING TO HAVE MADE
PUBLIC OR THAT WOULD COMPROMISE THE PRIVACY OF THEIR CUSTOMERS.
All information furnished by the bank in the narrative statement must be
accurate and not misleading. Appropriate efforts shall be taken by the
submitting bank to ensure the statement's accuracy.
If, subsequent to the original submission, material changes are submitted for
the data reported in the Reports of Condition and Income, the existing narrative
statement will be deleted from the files, and from disclosure; the bank at its
option, may replace it with a statement appropriate to the amended area.
The optional narrative statement will appear in agency records and in release to
the public exactly as submitted (or amended as described in the preceding
paragraph) by the management of the bank.
THE STATEMENT WILL NOT EDITED OR SCREENED IN ANYWAY BY THE SUPERVISORY AGENCIES
FOR ACCURACY OR RELEVANCE. DISCLOSURE OF THE STATEMENT SHALL NOT SIGNIFY THAT
ANY FEDERAL SUPERVISORY AGENCY HAS VERIFIED OR CONFIRMED THE ACCURACY OF THE
INFORMATION CONTAINED THEREIN. A STATEMENT TO THIS EFFECT WILL APPEAR ON ANY
PUBLIC RELEASE OF THE OPTIONAL STATEMENT SUBMITTED BY THE MANAGEMENT OF THE
REPORTING BANK.
________________________________________________________________________________
C371 C372
RCON
____
No comment:______________________________________________________ 6979 X
------
BANK MANAGEMENT STATEMENT (please type or print clearly):
TEXT 6980 (70 CHARACTERS PER LINE)
_______________________________________________________________
_______________________________________________________________
_______________________________________________________________
_______________________________________________________________
_______________________________________________________________
_______________________________________________________________
_______________________________________________________________
_______________________________________________________________
_______________________________________________________________
_______________________________________________________________
_______________________________________________________________
SIGNATURE OF EXECUTIVE OFFICER OF BANK DATE OF SIGNATURE
THIS PAGE IS TO BE COMPLETED BY ALL BANKS
________________________________________________________________________________
<PAGE>
33
---
SUNTRUST BANK, CENTRAL FLORIDA N.A. OMB No. for FDIC: 1557-0081
P.O. BOX 4418 CENTER 632 OMB No. for FDIC: 3064-0052
ATLANTA, GA 30302 OMB No. For Federal Reserve: 7100-0036
Expiration Date: 3/31/2000
SPECIAL REPORT
C700
Dollar Amounts in Thousands
________________________________________________________________________
Close of Busi-
ness Date: FDIC Cert. #
06/30/97 21043
-------- -----
________________________________________________________________________________
LOANS TO EXECUTIVE OFFICERS (COMPLETE AS OF EACH CALL REPORT DATE)
________________________________________________________________________
The following information is required by Public Laws 90-44 and 102-242, but does
not constitute a part of the Report of Condition. With each Report of Condition,
these Laws require all banks to furnish a report of all loans or other
extensions of credit to their executive officers made since the date of the
previous Report of Condition. Data regarding individual loans or other
extensions of credit are not required. If no such loans or other extensions of
credit were made during the period, insert "none" against subitem (a). (Exclude
the first $15,000 of indebtedness of each executive officer under bank credit
card plan.) See Section 215.2 and 215.3 of Title 12 of the Code of Federal
Regulations. (Federal Reserve Board Regulation O) for the definitions of
"executive officer" and "extension of credit," respectively. Exclude loans and
other extensions of credit to directors and principal shareholders who are not
executive officers.
The following information is required by Public Laws 90-44 and 102-242, but does
not constitute a part of the Report of
<TABLE>
<CAPTION>
<S> <C> <C> <C>
RCON
----
a. Number of loans made to executive officers since the previous Call Report date _________________ 3561 0 a.
----
b. Total dollar amount of above loans (in thousands of dollars) ___________________________________ 3582 0 b.
----
RCON From To
----
c. Range of interest charged on above loans
(example: 9-3/4% = 9.75)___________________________________________________ 7701 0.00% 7702 0.00% c.
----
</TABLE>
<TABLE>
<CAPTION>
_____________________________________________________________________________________________________________
<S> <C>
SIGNATURE AND TITLE OF OFFICER AUTHORIZED TO SIGN REPORT: DATE (Month, Day, Year)
</TABLE>
<TABLE>
<CAPTION>
<S> <C>
NAME AND TITLE OF PERSON TO
WHOM INQUIRIES MAY BE DIRECTED: (TEXT) AREA CODE/PHONE NUMBER/EXTENSION
8903 ______________________________________ 8904 ________________________________
8900 ______________________________________
</TABLE>
________________________________________________________________________________
FDIC 8040/53 (6-95)
<PAGE>
REPORT OF CONDITION
_______________________________________________________________________________
Consolidating domestic subsidiaries of the
SUNTRUST BANK, CENTRAL FLORIDA N.A.
In the state of GA at the close of business on June 30, 1997
published in response to call made by (Enter additional information below)
4769 __________________________________________________________________
4769 __________________________________________________________________
STATEMENT OF RESOURCES AND LIABILITIES
Dollar Amounts in Thousands
________________________________________________________________________________
ASSETS
Cash and balances due from depository institutions:
Noninterest-bearing balances and currency and coin_________________ 444,101
---------
Interest-bearing balances__________________________________________ 4,167
---------
Securities:
Held-to-maturity securities________________________________________ 0
---------
Available-for-sale securities______________________________________ 903,744
---------
Federal funds sold and securities purchased under agreements
to resell____________________________________________________________ 628,128
---------
Loans and lease financing receivables:
Loans and leases, net of unearned income____________ 4,866,971
---------
LESS: Allowance for loan and lease losses___________ 88,250
---------
LESS: Allocated transfer risk reserve_______________ 0
---------
Loans and leases, net of unearned income, allowance,
and reserve________________________________________________________ 4,778,721
---------
Assets held in trading accounts______________________________________ 0
---------
Premises and fixed assets (including capitalized leases)_____________ 58,351
---------
Other real estate owned______________________________________________ 5,762
---------
Investments in unconsolidated subsidiaries and associated companies__ 7,804
---------
Customers' liability to this bank on acceptances outstanding_________ 3,290
---------
Intangible assets____________________________________________________ 0
---------
Other assets_________________________________________________________ 98,529
---------
Total assets_________________________________________________________ 6,930,597
---------
FDIC /54C (3-90)
________________________________________________________________________________
<PAGE>
REPORT OF CONDITION (CONTINUED)
________________________________________________________________________________
LIABILITIES
Dollar Amounts in Thousands
________________________________________________________________________________
Deposits:
In domestic offices________________________________________________ 3,959,905
---------
Noninterest-bearing__________________________________ 1,191,530
---------
Interest-bearing_____________________________________ 2,768,375
---------
Federal funds purchased and securities sold under agreements to
repurchase___________________________________________________________ 2,281,082
---------
Demand notes issued to the U.S. Treasury_____________________________ 0
---------
Trading liabilities__________________________________________________ 0
---------
Other borrowed money:
With original maturity of one year or less________________________ 62,778
---------
With a remaining maturity of more than one year through
three years________________________________________________________ 0
---------
With a remaining maturity of more than three years_________________ 0
---------
Bank's liability on acceptances executed and outstanding_____________ 3,290
---------
Subordinated notes and debentures____________________________________ 100,000
---------
Other liabilities____________________________________________________ 25,547
---------
Total liabilities____________________________________________________ 6,432,602
---------
EQUITY CAPITAL
Perpetual preferred stock and related surplus________________________ 0
---------
Common stock_________________________________________________________ 5,098
---------
Surplus______________________________________________________________ 124,125
---------
Undivided profits and capital reserves_______________________________ 366,845
---------
Net unrealized holding gains (losses) on available-for-sale
securities___________________________________________________________ 1,927
---------
Total equity capital_________________________________________________ 497,995
---------
Total liabilities and equity capital_________________________________ 6,930,597
---------
We the undersigned directors, attest I,
to the correctness of this statement ____________________________________
of resources and liabilities. (Name, Title
We declare that it has been examined by of the above named bank do hereby
us, and to the best of our knowledge and declare that this Report of Condition
belief has been prepared in conformance is true and correct to the best of my
with the instructions and is true and knowledge and belief.
correct.
Text
4769
Director #1 __________________________ _____________________________________
Director #2 __________________________ _____________________________________
Director #3 __________________________ _____________________________________
FDIC 8040/54B (Page 2)
PRINTER COPY
