Last Update: FR Y-9C OMB Number 7100-0128 Approval expires March 31, 2017 Page 1 of 60 20150218.121151 RSSD ID: Board of Governors of the Federal Reserve System 1631915 Consolidated Financial Statements for Holding Companies—FR Y-9C Report at the close of business as of the last calendar day of the quarter This Report is required by law: Section 5(c) of the Bank Holding Company Act (12 U.S.C. § 1844) and Section 225.5(b) of Regulation Y (12 C.F.R. § 225.5(b)) and Section 10 of the Home Owners Loan Act (12 U.S.C. § 1467a(b)). This report form is to be filed by holding companies with total consolidated assets of $500 million or more. In addition, holding companies meeting certain criteria must file this report (FR Y-9C) NOTE: Each holding company's board of directors and senior management are responsible for establishing and maintaining an effective system of internal control, including controls over the Consolidated Financial Statements for Holding Companies. The Consolidated Financial Statements for Holding Companies is to be prepared in accordance with instructions provided by the Federal Reserve System. The Consolidated Financial Statements for Holding Companies must be signed and attested by the Chief Financial Officer (CFO) of the reporting holding company (or by the individual performing this equivalent function). regardless of size. See page 1 of the general instructions for further information. However, when such holding companies own or control, or are owned or controlled by, other holding companies, only the top-tier holding company must file this report for the consolidated holding company organization. The Federal Reserve may not conduct or sponsor, and an organization (or a person) is not required to respond to, a collection of information unless it displays a currently valid OMB control number. Date of Report: December 31, 2014 Month / Day / Year (BHCK 9999) I, the undersigned CFO (or equivalent) of the named holding company, attest that the Consolidated Financial Statements for Holding Companies (including the supporting schedules) for this report date have been prepared in conformance with the instructions issued by the Federal Reserve System and are true and correct to the best of my knowledge and belief. GENERAL ELECTRIC CAPITAL CORPORATION ROBERT GREEN Printed Name of Chief Financial Officer (or Equivalent) (BHCK C490) Legal Title of Holding Company (TEXT 9010) Signature of Chief Financial Officer (or Equivalent) (Mailing Address of the Holding Company) Street / PO Box (TEXT 9110) 901 MAIN AVENUE NORWALK 02/17/2015 Date of Signature (MM/DD/YYYY) (BHTX J196) City (TEXT 9130) CT State (TEXT 9200) 06851 Zip Code (TEXT 9220) Person to whom questions about this report should be directed: KAREN INGWERSEN, REGULATORY REPORTING LEADER Name / Title (BHTX 8901) 312-441-7457 Area Code / Phone Number (BHTX 8902) For Federal Reserve Bank Use Only RSSD ID C.I. 877-629-9342 Area Code / FAX Number (BHTX 9116) S.F. [email protected] E-mail Address of Contact (BHTX 4086) Holding companies must maintain in their files a manually signed and attested printout of the data submitted. Public reporting burden for this information collection is estimated to vary from 5 to 1,250 hours per response, with an average of 45.59 hours per response, including time to gather and maintain data in the required form and to review instructions and complete the information collection. Comments regarding this burden estimate or any other aspect of this information collection, including suggestions for reducing the burden, may be sent to Secretary, Board of Governors of the Federal Reserve System, 20th and C Streets, NW, Washington, DC 20551, and to the Office of Management and Budget, Paperwork Reduction Project (7100-0128), Washington, DC 20503. 12/2014 For Federal Reserve Bank Use Only RSSD ID RSSD ID: S.F. Report of Income for Holding Companies FR Y-9C Page 2 of 0 1631915 Report all Schedules of the Report of Income on a calendar year-to-date basis. Schedule HI—Consolidated Income Statement Dollar Amounts in Thousands 1. Interest income a. Interest and fee income on loans: (1) In domestic offices: (a) Loans secured by 1– 4 family residential properties................................................ (b) All other loans secured by real estate .................................................................. (c) All other loans ................................................................................................ (2) In foreign offices, Edge and Agreement subsidiaries, and IBFs ..................................... b. Income from lease financing receivables...................................................................... c. Interest income on balances due from depository institutions1 .......................................... d. Interest and dividend income on securities: (1) U.S. Treasury securities and U.S. government agency obligations (excluding mortgage-backed securities) ................................................................... (2) Mortgage-backed securities .................................................................................. (3) All other securities............................................................................................... e. Interest income from trading assets ............................................................................ f. Interest income on federal funds sold and securities purchased under agreements to resell................................................................................................................. g. Other interest income .............................................................................................. h. Total interest income (sum of items 1.a through 1.g) ....................................................... 2. Interest expense a. Interest on deposits: (1) In domestic offices: (a) Time deposits of $100,000 or more..................................................................... (b) Time deposits of less than $100,000 ................................................................... (c) Other deposits................................................................................................ (2) In foreign offices, Edge and Agreement subsidiaries, and IBFs ..................................... b. Expense on federal funds purchased and securities sold under agreements to repurchase .... c. Interest on trading liabilities and other borrowed money (excluding subordinated notes and debentures) ............................................................ d. Interest on subordinated notes and debentures and on mandatory convertible securities .............................................................................................................. e. Other interest expense ............................................................................................. f. Total interest expense (sum of items 2.a through 2.e) .................................................... 3. Net interest income (item 1.h minus item 2.f).................................................................... 4. Provision for loan and lease losses (from Schedule HI-B, part II, item 5) ................................ 5. Noninterest income: a. Income from fiduciary activities .................................................................................. b. Service charges on deposit accounts in domestic offices................................................. c. Trading revenue2 ..................................................................................................... d. (1) Fees and commissions from securities brokerage ..................................................... (2) Investment banking, advisory, and underwriting fees and commissions.......................... (3) Fees and commissions from annuity sales ............................................................... (4) Underwriting income from insurance and reinsurance activities .................................... (5) Income from other insurance activities .................................................................... e. Venture capital revenue............................................................................................ f. Net servicing fees .................................................................................................. g. Net securitization income.......................................................................................... BHCK 4435 4436 F821 4059 4065 4115 B488 B489 4060 4069 4020 4518 4107 A517 A518 6761 4172 1365282 227427 1.a.(1)(a) 1.a.(1)(b) 1.a.(1)(c) 1.a.(2) 1.b. 1.c. 37773 204073 1878208 0 1.d.(1) 1.d.(2) 1.d.(3) 1.e. 50 1112284 12356764 5979971 25974 34636 23222442 107438 522382 72468 1.f. 1.g. 1.h. 2.a.(1)(a) 2.a.(1)(b) 2.a.(1)(c) 2.a.(2) 2.b. 4180 134469 2514 4185 6801823 2.c. 4397 468829 4398 4073 4074 312154 8422077 14800365 4230 3992359 2.d. 2.e. 2.f. 3. 4. 4070 4483 A220 C886 0 5 127504 12625 C888 C887 C386 33591 0 1506464 C387 B491 B492 183161 B493 0 129995 -505 5.a. 5.b. 5.c. 5.d.(1) 5.d.(2) 5.d.(3) 5.d.(4) 5.d.(5) 5.e. 5.f. 5.g. 1. Includes interest income on time certificates of deposit not held for trading. 2. For holding companies required to complete Schedule HI, memoranda item 9, trading revenue reported in Schedule HI, item 5.c must equal the sum of memoranda items 9.a through 9.e. 03/2013 FR Y-9C Page 3 of 0 RSSD ID: 1631915 Schedule HI—Continued Dollar Amounts in Thousands BHCK 5. h. Not applicable i. Net gains (losses) on sales of loans and leases ............................................................ 8560 j. Net gains (losses) on sales of other real estate owned.................................................... 8561 k. Net gains (losses) on sales of other assets (excluding securities)..................................... B496 l. Other noninterest income3......................................................................................... B497 m. Total noninterest income (sum of items 5.a through 5.l)................................................. 4079 6. a. Realized gains (losses) on held-to-maturity securities .................................................... 3521 b. Realized gains (losses) on available-for-sale securities .................................................. 3196 7. Noninterest expense: a. Salaries and employee benefits ................................................................................ 4135 b. Expenses of premises and fixed assets (net of rental income) (excluding salaries and employee benefits and mortgage interest) .................................. 4217 c. (1) Goodwill impairment losses ................................................................................. C216 (2) Amortization expense and impairment losses for other intangible assets ....................... C232 d. Other noninterest expense4 ...................................................................................... 4092 e. Total noninterest expense (sum of items 7.a through 7.d) ............................................... 4093 8. Income (loss) before income taxes and extraordinary items, and other adjustments (sum of items 3, 5.m, 6.a, and 6.b minus items 4 and 7.e).................................................. 4301 9. Applicable income taxes (foreign and domestic)............................................................... 4302 10. Income (loss) before extraordinary items and other adjustments (item 8 minus item 9) ............ 4300 11. Extraordinary items and other adjustments, net of income taxes5 ......................................... 4320 12. Net income (loss) attributable to holding company and noncontrolling (minority) interests (sum of items 10 and 11) ................................................................... G104 13. LESS: Net income (loss) attributable to noncontrolling (minority) interests (if net income, report as a positive value; if net loss, report as a negative value) ..................... G103 14. Net income (loss) attributable to holding company (item 12 minus item 13) ........................... 4340 0 -16723 5.i. 5.j. 5.k. 5.l. 5.m. 6.a. 6.b. 6794648 7.a. 257780 -1693 2362803 15767862 20379592 828012 0 442972 15463265 23528897 7.b. 7.c.(1) 7.c.(2) 7.d. 7.e. -106975 8. 9. 10. 11. 7396857 12. 162415 7234442 13. 14. 7641978 138146 7503832 3. See Schedule HI, memoranda item 6. 4. See Schedule HI, memoranda item 7. 5. Describe on Schedule HI, memoranda item 8. Memoranda Dollar Amounts in Thousands 1. Net interest income (item 3 above) on a fully taxable equivalent basis .................................. 2. Net income before income taxes, extraordinary items, and other adjustments (item 8 above) on a fully taxable equivalent basis................................................................................. 3. Income on tax-exempt loans and leases to states and political subdivisions in the U.S. (included in Schedule HI, items 1.a and 1.b, above) ......................................................... 4. Income on tax-exempt securities issued by states and political subdivisions in the U.S. (included in Schedule HI, item 1.d.(3), above) ................................................................. BHCK 4519 14852549 M.1. 4592 8232272 M.2. 4313 39460 M.3. 4507 57454 M.4. BHCK 5. Number of full-time equivalent employees at end of current period (round to nearest whole number) .................................................................................. 4150 6. Other noninterest income (from Schedule HI, item 5.l, above) (only report amounts greater than $25,000 that exceed 3 percent of Schedule HI, item 5.l): a. Income and fees from the printing and sale of checks .................................................... b. Earnings on/increase in value of cash surrender value of life insurance ............................. c. Income and fees from automated teller machines (ATMs) ............................................... d. Rent and other income from other real estate owned ..................................................... e. Safe deposit box rent .............................................................................................. f. Net change in the fair values of financial instruments accounted for under a fair value option Number 68731 M.5. BHCK C013 C015 0 0 0 0 0 F229 0 C014 C016 4042 M.6.a. M.6.b. M.6.c. M.6.d. M.6.e. M.6.f. 03/2013 FR Y-9C Page 4 of 0 RSSD ID: 1631915 Schedule HI—Continued Memoranda—Continued Dollar Amounts in Thousands BHCK 6. g. Bank card and credit card interchange fees .................................................................. F555 h. Gains on bargain purchases ................................................................................... J447 RENTAL INCOME FROM EQUIPMENT LEASES i. TEXT 8562 EQUITY IN EARNINGS OF NONCONSOLIDATED SUBSIDIARIES j. TEXT 8563 TEXT 8564 RENTAL INCOME FROM REAL ESTATE INVESTMENTS 0 0 M.6.g. M.6.h. 8562 9486697 M.6.i. 8563 1293742 M.6.j. 8564 k. 7. Other noninterest expense (from Schedule HI, item 7.d, above) (only report amounts greater than $25,000 that exceed 3 percent of the sum of Schedule HI, item 7.d): a. Data processing expenses ........................................................................................ C017 b. Advertising and marketing expenses ........................................................................... 0497 c. Directors' fees ........................................................................................................ 4136 d. Printing, stationery, and supplies ................................................................................ C018 e. Postage ................................................................................................................ 8403 f. Legal fees and expenses ........................................................................................... 4141 g. FDIC deposit insurance assessments ......................................................................... 4146 h. Accounting and auditing expenses.............................................................................. F556 i. Consulting and advisory expenses .............................................................................. F557 j. Automated teller machine (ATM) and interchange expenses ............................................. F558 k. Telecommunications expenses .................................................................................. F559 1367743 M.6.k. 0 629178 0 0 0 0 M.7a. M.7.b. M.7.c. M.7.d. M.7.e. M.7.f. M.7.g. M.7.h. M.7. i. M.7. j. M.7.k. 8565 5693992 M.7. l. 8566 513057 8567 0 3571 -334902 M.8.a.(1) M.8.a.(2) 3573 0 M.8.b.(1) M.8.b.(2) 3575 0 M.8.c.(1) M.8.c.(2) 8757 79759 46008 -1985 TEXT 8565 DEPRECIATION OF EQUIPMENT UNDER LEASE l. m. TEXT 8566 IMPAIRMENT LOSSES OF EQUIPMENT UNDER LEASE TEXT 8567 n. 8. Extraordinary items and other adjustments (from Schedule HI, item 11) (itemize all extraordinary items and other adjustments): TEXT 0 0 0 581877 M.7.m. M.7.n. DISCONTINUED OPERATIONS 3571 a. (1) (2) Applicable income tax effect......................................... BHCK 3572 -227927 BHCK 3574 0 TEXT 3573 b. (1) (2) Applicable income tax effect......................................... TEXT 3575 c. (1) (2) Applicable income tax effect......................................... BHCK 3576 9. Trading revenue (from cash instruments and derivative instruments) (Sum of items 9.a through 9.e must equal Schedule HI, item 5.c.) 0 Memorandum items 9.a through 9.e are to be completed by holding companies that reported average trading assets (Schedule HC-K, item 4.a) of $2 million or more for any quarter of the preceding calendar year: a. Interest rate exposures ............................................................................................ b. Foreign exchange exposures .................................................................................... c. Equity security and index exposures ........................................................................... d. Commodity and other exposures ................................................................................ e. Credit exposures .................................................................................................... 8758 8759 8760 F186 0 3722 M.9.a. M.9.b. M.9.c. M.9.d. M.9.e. 03/2013 FR Y-9C Page 5 of 60 RSSD ID: 1631915 Schedule HI—Continued Memoranda—Continued Dollar Amounts in Thousands Memoranda items 9.f and 9.g are to be completed by holding companies with $100 billion or more in total assets that are required to complete Schedule HI, Memorandum items 9.a through 9.e, above.1 9. f. Impact on trading revenue of changes in the creditworthiness of the holding company's derivatives counterparties on the holding company's derivative assets (included in Memorandum items 9.a through 9.e above)................................................................. g. Impact on trading revenue of changes in the creditworthiness of the holding company on the holding company's derivative liabilities (included in Memorandum items 9.a through 9.e above) ................................................................................................................. 10. Net gains (losses) recognized in earnings on credit derivatives that economically hedge credit exposures held outside the trading account: a. Net gains (losses) on credit derivatives held for trading .................................................. b. Net gains (losses) on credit derivatives held for purposes other than trading ...................... 11. Credit losses on derivatives (see instructions) ................................................................. BHCK K090 -757 K094 38 C889 C890 3722 6284 A251 0 8431 C242 C243 84707 M.9.f. M.9.g. M.10.a. M.10.b. M.11. Memorandum item 12.a is to be completed by holding companies with $1 billion or more in total assets.1 12. a. Income from the sale and servicing of mutual funds and annuities (in domestic offices)........... b. (1) Premiums on insurance related to the extension of credit........................................... (2) All other insurance premiums ............................................................................... c. Benefits, losses, and expenses from insurance-related activities...................................... 14. Net gains (losses) recognized in earnings on assets and liabilities that are reported at fair value under a fair value option: a. Net gains (losses) on assets .................................................................................... (1) Estimated net gains (losses) on loans attributable to changes in instrument-specific credit risk ........................................................................................................ b. Net gains (losses) on liabilities .................................................................................. (1) Estimated net gains (losses) on liabilities attributable to changes in instrument-specific credit risk......................................................................................................... 15. Stock-based employee compensation expense (net of tax effects) calculated for all awards under the fair value method .............................................................................. Memorandum item 16 is to be completed by holding companies that are required to complete Schedule HC-C, Memorandum items 6.b and 6.c. 16. Noncash income from negative amortization on closed-end loans secured by 1– 4 family residential properties (included in Schedule HI, item 1.a.(1)(a)) ........................................... 17. Other-than-temporary impairment losses on held-to-maturity and available-for-sale debt securities: a. Total other-than-temporary impairment losses ............................................................. b. Portion of losses recognized in other comprehensive income (before income taxes) ................ c. Net impairment losses recognized in earnings (included in Schedule HI, items 6.a and 6.b) (Memorandum item 17.a minus Memorandum item 17.b) ................................................ 1382336 2708851 B983 13. Does the reporting holding company have a Subchapter S election in effect for federal income tax purposes for the current tax year? (Enter "1" for Yes; enter "0" for No.)................ Dollar Amounts in Thousands Memorandum item 14 is to be completed by holding companies that have elected to account for assets and liabilities under a fair value option. 0 0=No M.12.a. M.12.b.(1) M.12.b.(2) M.12.c. BHCK 1=Yes A530 0 M.13. BHCK F551 6083 F552 F553 0 M.14.a.(1) M.14.b. F554 0 M.14.b.(1) C409 65000 0 M.14.a. M.15. Year-to-date BHCK F228 0 J319 188315 J320 15603 M.17.a. M.17.b. J321 172712 M.17.c. M.16. 1. The asset size test is generally based on the total assets reported as of June 30, 2013. 03/2014 FR Y-9C Page 6 of 0 RSSD ID:1631915 Schedule HI-A—Changes in Holding Company Equity Capital Dollar Amounts in Thousands BHCK 1. Total holding company equity capital most recently reported for the end of previous calendar year (i.e., after adjustments from amended Reports of Income) .................................... 3217 2. Cumulative effect of changes in accounting principles and corrections of material accounting errors B507 3. Balance end of previous calendar year as restated (sum of items 1 and 2) .................................. B508 82693914 1. 2. 3. 7234442 4. 82693914 0 BHCT 4. Net income (loss) attributable to holding company (must equal Schedule HI, item 14) ................... 5. Sale of perpetual preferred stock (excluding treasury stock transactions): a. Sale of perpetual preferred stock, gross............................................................................ b. Conversion or retirement of perpetual preferred stock.......................................................... 6. Sale of common stock: a. Sale of common stock, gross.......................................................................................... b. Conversion or retirement of common stock........................................................................ 7. Sale of treasury stock....................................................................................................... 8. LESS: Purchase of treasury stock....................................................................................... 9. Changes incident to business combinations, net .................................................................... 10. LESS: Cash dividends declared on preferred stock ................................................................ 11. LESS: Cash dividends declared on common stock ................................................................. 12. Other comprehensive income1 ........................................................................................... 13. Change in the offsetting debit to the liability for Employee Stock Ownership Plan (ESOP) debt guaranteed by the holding company .................................................................................... 14. Other adjustments to equity capital (not included above) ......................................................... 15. Total holding company equity capital end of current period (sum of items 3, 4, 5, 6, 7, 9, 12, 13, and 14, less items 8, 10, and 11) (must equal item 27.a on Schedule HC) .............................. 4340 BHCK 3577 0 3578 0 3579 0 0 0 3580 4782 4783 4356 4598 4460 B511 0 0 322188 3000000 455565 5.a. 5.b. 6.a. 6.b. 7. 8. 9. 10. 11. 12. 4591 0 3581 436880 13. 14. 87498613 15. BHCT 3210 1. Includes, but is not limited to, changes in net unrealized holding gains (losses) on available-for-sale securities, changes in accumulated net gains (losses) on cash flow hedges, foreign currency translation adjustments, and pension and other postretirement plan related changes other than net periodic benefit cost. 03/2013 FR Y-9C Page 7 of 0 RSSD ID:1631915 Schedule HI-B—Charge-Offs and Recoveries on Loans and Leases and Changes in Allowance for Loan and Lease Losses (Column A) Charge-offs1 Dollar Amounts in Thousands I. Charge-offs and Recoveries on Loans and Leases (Fully Consolidated) 1. Loans secured by real estate: a. Construction, land development, and other land loans in domestic offices: (1) 1– 4 family residential construction loans ................................. (2) Other construction loans and all land development and other land loans ................................................................. b. Secured by farmland in domestic offices ...................................... c. Secured by 1– 4 family residential properties in domestic offices: (1) Revolving, open-end loans secured by 1– 4 family residential properties and extended under lines of credit ........................... (2) Closed-end loans secured by 1– 4 family residential properties in domestic offices: (a) Secured by first liens ...................................................... (b) Secured by junior liens.................................................... d. Secured by multifamily (5 or more) residential properties in domestic offices...................................................................... e. Secured by nonfarm nonresidential properties in domestic offices: (1) Loans secured by owner-occupied nonfarm nonresidential properties .......................................................................... (2) Loans secured by other nonfarm nonresidential properties .......... f. In foreign offices ..................................................................... 2. Loans to depository institutions and acceptances of other banks: a. To U.S. banks and other U.S. depository institutions....................... b. To foreign banks ..................................................................... 3. Loans to finance agricultural production and other loans to farmers ...... 4. Commercial and industrial loans: a. To U.S. addressees (domicile) ................................................... b. To non-U.S. addressees (domicile) ............................................. 5. Loans to individuals for household, family, and other personal expenditures: a. Credit cards ........................................................................... b. Automobile loans .................................................................... c. Other consumer loans (includes single payment, installment, all student loans, and revolving credit plans other than credit cards) .......................................................................... 6. Loans to foreign governments and official institutions......................... 7. All other loans............................................................................ 8. Lease financing receivables: a. Leases to individuals for household, family, and other personal expenditures .......................................................................... b. All other leases ....................................................................... 9. Total (sum of items 1 through 8) .................................................... (Column B) Recoveries BHCK BHCK C891 0 C892 0 1.a.(1) C893 3584 0 C894 0 3585 0 0 1.a.(2) 1.b. 5411 0 5412 0 1.c.(1) C234 0 C235 0 C217 0 C218 0 1.c.(2)(a) 1.c.(2)(b) 3588 8859 3589 0 1.d. C895 C897 B512 35499 C896 7180 C898 306824 B513 8423 25057 156320 4653 4654 0 4663 0 4664 1284 4665 0 483 2.a. 2.b. 3. 4646 352557 4617 338398 4618 91256 90517 4.a. 4.b. B514 K129 3399934 B515 65039 K133 725871 5.a. 5.b. K205 4643 4644 461271 K206 0 4627 10 4628 299528 F185 C880 15279 F187 179051 F188 5171185 4605 13477 4655 4645 4635 0 35666 9 0 73475 1520082 1.e.(1) 1.e.(2) 1.f. 5.c. 6. 7. 8.a. 8.b. 9. 1. Include write-downs arising from transfers to a held-for-sale account. 03/2011 FR Y-9C Page 8 of 0 RSSD ID: 1631915 Schedule HI-B—Continued Memoranda (Column A) Charge-offs1 (Column B) Recoveries Calendar Year-to-date Dollar Amounts in Thousands BHCK 1. Loans to finance commercial real estate, construction, and land development activities (not secured by real estate) included in Schedule HI-B, part I, items 4 and 7 above ......................................................... 5409 2. Loans secured by real estate to non-U.S. addressees (domicile) (included in Schedule HI-B, part I, item 1, above) .................................................... 4652 BHCK 0 5410 0 M.1. 306790 4662 156308 M.2. Memorandum item 3 is to be completed by (1) holding companies that, together with affiliated institutions, have outstanding credit card receivables (as defined in the instructions) that exceed $500 million as of the report date or (2) holding companies that on a consolidated basis are credit card specialty holding companies (as defined in the instructions). Calendar Year-to-date 3. Uncollectible retail credit card fees and finance charges reversed against income (i.e., not included in charge-offs against the allowance for loan and lease losses) .......................... C388 BHCK Dollar Amounts in Thousands 1048254 M.3. 5279424 1. 1520082 2. 5109103 62082 3. 4. 3992359 5. -281204 6. 5339476 7. BHCK II. Changes in allowance for loan and lease losses 1. Balance most recently reported at end of previous year (i.e., after adjustments from amended Reports of Income) ........................................................ B522 BHCT 2. Recoveries (must equal Schedule HI-B, part I, item 9, column B, above) ..................................... 4605 BHCK 3. LESS: Charge-offs (must equal Schedule HI-B, part I, item 9, column A above less Schedule HI-B, part II, item 4) ............................................................................................. C079 4. LESS: Write-downs arising from transfers of loans to a held-for-sale account................................ 5523 BHCT 5. Provision for loan and lease losses (must equal Schedule HI, item 4).......................................... 4230 BHCK 6. Adjustments (see instructions for this schedule) ...................................................................... C233 BHCT 7. Balance at end of current period (sum of items 1, 2, 5, and 6, less items 3 and 4) (must equal Schedule HC, item 4.c) ..................................................................................... 3123 1. Include write-downs arising from transfers to a held-for-sale account. Memoranda Dollar Amounts in Thousands BHCK 1. Allocated transfer risk reserve included in Schedule HI-B, part II, item 7 .................................... C435 0 M.1. 0 M.2. 558801 M.3. 1086 M.4. Memoranda items 2 and 3 are to be completed by (1) holding companies that, together with affiliated institutions, have outstanding credit card receivables (as defined in the instructions) that exceed $500 million as of the report date or (2) holding companies that on a consolidated basis are credit card specialty holding companies (as defined in the instructions). 2. Separate valuation allowance for uncollectible retail credit card fees and finance charges ............. C389 3. Amount of allowance for loan and lease losses attributable to retail credit card fees and finance charges (included in Schedule HC, item 4.c and Schedule HI-B, part II, item 7) ........................... C390 Memorandum item 4 is to be completed by all holding companies. 4. Amount of allowance for post-acquisition credit losses on purchased credit-impaired loans accounted for in accordance with AICPA Statement of Position 03-3 (included in Schedule HI-B, part II, item 7, above) ................................................................. C781 03/2013 RSSD ID: 1631915 FR Y-9C Page 9 of 60 Schedule HI-C—Disaggregated Data on the Allowance for Loan and Lease Losses Schedule HI-C is to be completed by holding companies with $1 billion or more in total assets.1 (Column A) Recorded Investment: Individually Evaluated for Impairment (ASC 310-10-35) Dollar Amounts in Thousands 1. Real estate loans: a. Construction loans ..... b. Commercial real estate loans ........ c. Residential real estate loans ........ 2. Commercial loans2 ......... 3. Credit cards .................. 4. Other consumer loans ..... 5. Unallocated, if any.......... 6. Total (sum of items 1.a. through 5.) (Column B) Allowance Balance: Individually Evaluated for Impairment (ASC 310-10-35) (Column C) Recorded Investment: Collectively Evaluated for Impairment (ASC 450-20) (Column D) Allowance Balance: Collectively Evaluated for Impairment (ASC 450-20) (Column E) Recorded Investment: Purchased Credit-Impaired Loans (ASC 310-30) (Column F) Allowance Balance: Purchased Credit-Impaired Loans (ASC 310-30) BHCK BHCK BHCK BHCK BHCK BHCK M708 326294 M709 6076 M710 1744758 M711 12207 M712 57790 M713 34 1.a. M714 2144879 M715 27048 M716 29734369 M717 211543 M719 139005 M720 962 1.b. M721 1003361 M722 2507092 M728 843984 M734 245246 M740 88327 M723 141340 M729 267675 M735 24356883 M724 116834888 M730 62008914 M736 329454 M725 816259 M731 90 0 57037 M741 7358840 M742 M745 26084 M726 41506 M732 0 M738 0 M744 1.c. 2. 3. 4. 5. 264385 M751 1086 M727 M733 M739 M746 7070856 M747 587503 M748 242038652 M749 3075605 M737 305819 M743 0 0 0 4750887 M750 6. 1. The asset size test is generally based on the total assets reported as of June 30, 2013. 2. Include all loans and leases not reported as real estate loans, credit cards, or other consumer loans. 03/2014 RSSD ID: 1631915 FR Y-9C Page 10 of 0 Notes to the Income Statement—Predecessor Financial Items For holding companies involved in a business combination(s) during the quarter, provide on the lines below income statement information for any acquired company(ies) with aggregated assets of $10 billion or more or 5 percent of the reporting holding company's total consolidated assets as of the previous quarter-end, whichever is less. Information should be reported year-todate of acquisition. Dollar Amounts in Thousands 1. Total interest income ........................................................................................................ a. Interest income on loans and leases ................................................................................ b. Interest income on investment securities........................................................................... 2. Total interest expense ...................................................................................................... a. Interest expense on deposits .......................................................................................... 3. Net interest income.......................................................................................................... 4. Provision for loan and lease losses ..................................................................................... 5. Total noninterest income ................................................................................................... a. Income from fiduciary activities ....................................................................................... b. Trading revenue .......................................................................................................... c. Investment banking, advisory, brokerage, and underwriting fees and commissions .................... d. Venture capital revenue................................................................................................. e. Net securitization income............................................................................................... f. Insurance commissions and fees .................................................................................... 6. Realized gains (losses) on held-to-maturity and available-for-sale securities................................ 7. Total noninterest expense ................................................................................................. a. Salaries and employee benefits ...................................................................................... b. Goodwill impairment losses............................................................................................ 8. Income (loss) before taxes, extraordinary items, and other adjustments...................................... 9. Applicable income taxes ................................................................................................... 10. Noncontrolling (minority) interest ........................................................................................ 11. Extraordinary items, net of applicable income taxes and noncontrolling (minority) interest .............. 12. Net income (loss) ............................................................................................................ 13. Cash dividends declared................................................................................................... 14. Net charge-offs ............................................................................................................... 15. Net interest income (item 3 above) on a fully taxable equivalent basis ........................................ BHBC 4107 4094 4218 4073 4421 4074 4230 4079 4070 A220 B490 B491 B493 B494 4091 4093 4135 C216 4301 4302 4484 4320 4340 4475 6061 4519 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1. 1.a. 1.b. 2. 2.a. 3. 4. 5. 5.a. 5.b. 5.c. 5.d. 5.e. 5.f. 6. 7. 7.a. 7.b. 8. 9. 10. 11. 12. 13. 14. 15. 03/2013 FR Y-9C Page 11 of 0 RSSD ID:1631915 Notes to the Income Statement (Other) Enter in the lines provided below any additional information on specific line items on the income statement or to its schedules that the holding company wishes to explain, that has been separately disclosed in the holding company's quarterly reports to its shareholders, in its press releases, or on its quarterly reports to the Securities and Exchange Commission (SEC). Exclude any transactions that have been separately disclosed under the reporting requirements specified in memoranda items 6 through 8 to Schedule HI, the Consolidated Income Statement. Also include any transactions which previously would have appeared as footnotes to Schedules HI through HI-B. Each additional piece of information disclosed should include the appropriate reference to schedule and item number, as well as a description of the additional information and the dollar amount (in thousands of dollars) associated with that disclosure. Example A holding company has received $1.35 million of back interest on loans and leases that are currently in nonaccrual status. The holding company's interest income for the quarter shows that increase which has been disclosed in the report to the stockholders and to the SEC. Enter on the line item below the following information: TEXT 0000 BHCK Sch. HI, item 1.a(1), Recognition of interest payments on nonaccrual loans to XYZ country 0000 1 350 Notes to the Income Statement (Other) TEXT 1. 2. 3. 4. 5. 6. 7. 8. 9. Dollar Amounts in Thousands BHCK 5351 5351 0 1. 5352 0 2. 5353 0 3. 5354 0 4. 5355 0 5. B042 0 6. B043 0 7. B044 0 8. B045 0 9. B046 0 10. 5352 5353 5354 5355 B042 B043 B044 B045 10. B046 03/2013 RSSD ID:1631915 FR Y-9C Page 12 of 0 Notes to the Income Statement (Other)—Continued TEXT 11. B047 Dollar Amounts in Thousands BHCK B047 0 11. B048 0 12. B049 0 13. B050 0 14. B051 0 15. B052 0 16. B053 0 17. B054 0 18. B055 0 19. B056 0 20. 12. B048 13. B049 14. B050 15. B051 16. B052 17. B053 18. B054 19. B055 20. B056 03/2003 GENERAL ELECTRIC CAPITAL CORPORATION FR Y-9C Page 13 of 0 For Federal Reserve Bank Use Only Name of Holding Company C.I. Consolidated Financial Statements for Holding Companies Report at the close of business RSSD ID: 1631915 20141231 Month / Day / Year Schedule HC—Consolidated Balance Sheet Dollar Amounts in Thousands Assets 1. Cash and balances due from depository institutions: a. Noninterest-bearing balances and currency and coin1 ....................................................... b. Interest-bearing balances:2 (1) In U.S. offices ...................................................................................................... (2) In foreign offices, Edge and Agreement subsidiaries, and IBFs....................................... 2. Securities: a. Held-to-maturity securities (from Schedule HC-B, column A) .............................................. b. Available-for-sale securities (from Schedule HC-B, column D) ............................................ 3. Federal funds sold and securities purchased under agreements to resell: a. Federal funds sold in domestic offices ................................................................... BHDM b. Securities purchased under agreements to resell3 .................................................... BHCK 4. Loans and lease financing receivables: a. Loans and leases held for sale .................................................................................... 249373893 b. Loans and leases, net of unearned income .................................... B528 5339476 3123 c. LESS: Allowance for loan and lease losses .................................... d. Loans and leases, net of unearned income and allowance for loan and lease losses (item 4.b minus 4.c) ................................................................................................... 5. Trading assets (from Schedule HC-D) .............................................................................. 6. Premises and fixed assets (including capitalized leases) ...................................................... 7. Other real estate owned (from Schedule HC-M).................................................................. 8. Investments in unconsolidated subsidiaries and associated companies ................................... 9. Direct and indirect investments in real estate ventures ......................................................... 10. Intangible assets: a. Goodwill.................................................................................................................. b. Other intangible assets (from Schedule HC-M)................................................................ 11. Other assets (from Schedule HC-F).................................................................................. 12. Total assets (sum of items 1 through 11) ........................................................................... BHCK 0081 6480389 0395 0397 13615529 12285156 1.a. 1.b.(1) 1.b.(2) 1754 1773 79608979 B987 B989 11498737 5369 3899170 4.a. 4.b. 4.c. B529 244034417 173726 993638 42239 11764553 4.d. 5. 6. 7. 8. 9. 3545 2145 2150 2130 3656 0 0 19460973 3163 0426 2160 25132694 1193962 78071125 2170 508255287 2.a. 2.b. 3.a. 3.b. 10.a. 10.b. 11. 12. 1. Includes cash items in process of collection and unposted debits. 2. Includes time certificates of deposit not held for trading. 3. Includes all securities resale agreements in domestic and foreign offices, regardless of maturity. 03/2013 FR Y-9C Page 14 of 0 RSSD ID: 1631915 Schedule HC—Continued Dollar Amounts in Thousands Liabilities 13. Deposits: a. In domestic offices (from Schedule HC-E): (1) Noninterest-bearing1 ............................................................................................. (2) Interest-bearing.................................................................................................... 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: a. Federal funds purchased in domestic offices2.................................................................. BHDM 6631 6636 238475 52491761 13.a.(1) 13.a.(2) 692084 11497773 13.b.(1) 13.b.(2) BHFN 6631 6636 BHDM B993 0 14.a. B995 3548 168995 56978 14.b. 15. 3190 276074599 4062 9094738 19.a. C699 2750 2948 2794217 64747714 417857334 19.b. 20. 21. BHCK b. Securities sold under agreements to repurchase3 ............................................................ 15. Trading liabilities (from Schedule HC-D) ............................................................................ 16. Other borrowed money (includes mortgage indebtedness and obligations under capitalized leases) (from Schedule HC-M) ......................................................................... 17. Not applicable 18. Not applicable 19. a. Subordinated notes and debentures4 ............................................................................ b. Subordinated notes payable to unconsolidated trusts issuing trust preferred securities, and trust preferred securities issued by consolidated special purpose entities ............................. 20. Other liabilities (from Schedule HC-G) .............................................................................. 21. Total liabilities (sum of items 13 through 20) ....................................................................... 22. Not applicable Equity Capital Holding Company Equity Capital 23. Perpetual preferred stock and related surplus .................................................................... 24. Common stock (par value) ............................................................................................. 25. Surplus (exclude all surplus related to preferred stock)......................................................... 26. a. Retained earnings ..................................................................................................... b. Accumulated other comprehensive income5 .................................................................... c. Other equity capital components6 ................................................................................. 27. a. Total holding company equity capital (sum of items 23 through 26.c).................................... b. Noncontrolling (minority) interests in consolidated subsidiaries ........................................... 28. Total equity capital (sum of items 27.a and 27.b) ................................................................. 29. Total liabilities and equity capital (sum of items 21 and 28) .................................................... 3283 3230 3240 3247 B530 A130 3210 3000 G105 3300 4949405 14 28050058 55077222 -578086 0 87498613 2899340 90397953 508255287 16. 23. 24. 25. 26.a. 26.b. 26.c. 27.a. 27.b. 28. 29. 1. Includes noninterest-bearing demand, time, and savings deposits. 2. Report overnight Federal Home Loan Bank advances in Schedule HC, item 16, "Other borrowed money." 3. Includes all securities repurchase agreements in domestic and foreign offices regardless of maturity. 4. Includes limited-life preferred stock and related surplus. 5. Includes, but is not limited to, net unrealized holding gains (losses) on available-for-sale securities, accumulated net gains (losses) on cash flow hedges, cumulative foreign currency translation adjustments, and accumulated defined benefit pension and other postretirement plan adjustments. 6. Includes treasury stock and unearned Employee Stock Ownership Plan shares. 03/2013 RSSD ID: 1631915 FR Y-9C Page 15 of 0 Schedule HC—Continued Memoranda (to be completed annually by holding companies for the December 31 report date) 0=No BHCK 1. Has the holding company engaged in a full-scope independent external audit at any time during the calendar year? (Enter "1" for Yes, enter "0" for No.) ......................................................................... 1=Yes C884 2. If response to Memoranda item 1 is yes, indicate below the name and address of the holding company's independent external auditing firm (see instructions), and the name and e-mail address of the auditing firm's engagement partner.7 a. KPMG LLP (1) Name of External Auditing Firm (TEXT C703) b. 1 M.1. (1) Name of Engagement Partner (TEXT C704) STAMFORD (2) City (TEXT C708) (2) E-mail Address (TEXT C705) CT 06905 (3) State Abbreviation (TEXT C714) (4) Zip Code (TEXT C715) 7. The Federal Reserve regards information submitted in response to Memorandum item 2.b as confidential. 03/2013 FR Y-9C Page 16 of 0 RSSD ID: 1631915 Schedule HC-B—Securities Held-to-Maturity (Column A) Amortized Cost Dollar Amounts in Thousands (Column B) Fair Value Available-for-Sale (Column C) Amortized Cost (Column D) Fair Value BHCK BHCK BHCK BHCK 1. U.S. Treasury securities........................................................... 0211 0 0213 0 1286 12901494 1287 12904320 1289 0 1290 0 1295 0 8497 0 1291 0 1297 0 8498 8898 1293 668729 1298 8938 721820 5178274 8499 5746824 0 G302 0 G306 0 G310 83656 G303 396036 G307 84232 397206 G308 0 G301 0 G305 0 G309 479030 G311 547961 4.a.(1) 4.a.(2) 4.a.(3) G312 0 G313 0 G314 580480 G315 657157 4.b.(1) G316 0 G317 0 G321 0 G318 0 G322 0 G319 368494 G323 0 534224 4.b.(2) 4.b.(3) 0 K143 0 K147 0 K144 0 K148 0 K145 619771 K149 614486 K150 0 K151 0 K152 K154 0 K155 0 K156 0 K153 2287142 K157 2455688 2. U.S. government agency obligations (exclude mortgage-backed securities): a. Issued by U.S. government agencies1 ..................................... b. Issued by U.S. government-sponsored agencies2 ...................... 3. Securities issued by states and political subdivisions in the U.S. ...... 4. Mortgage-backed securities (MBS) a. Residential pass-through securities: (1) Guaranteed by GNMA ..................................................... (2) Issued by FNMA and FHLMC ............................................ (3) Other pass-through securities............................................ b. Other residential mortgage-backed securities (include CMOs, REMICs, and stripped MBS): (1) Issued or guaranteed by U.S. Government agencies or sponsored agencies3 ....................................................... (2) Collateralized by MBS issued or guaranteed by U.S. Government agencies or sponsored agencies3 ..................... (3) All other residential mortgage-backed securities.................... c. Commercial MBS: (1) Commercial pass-through securities: (a) Issued or guaranteed by FNMA, FHLMC, or GNMA .......... (b) Other pass-through securities ....................................... (2) Other commercial MBS: (a) Issued or guaranteed by U.S. Government agencies or sponsored agencies3 .................................................. (b) All other commercial MBS ............................................ 1294 8496 G300 G304 G320 K142 K146 0 0 1. 2.a. 2.b. 3. 4.c.(1)(a) 4.c.(1)(b) 4.c.(2)(a) 4.c.(2)(b) 1. Includes Small Business Administration "Guaranteed Loan Pool Certificates," U.S. Maritime Administration obligations, and Export-Import Bank participation certificates. 2. Includes obligations (other than mortgage-backed securities) issued by the Farm Credit System, the Federal Home Loan Bank System, the Federal Home Loan Mortgage Corporation, the Federal National Mortgage Association, the Financing Corporation, Resolution Funding Corporation, the Student Loan Marketing Association, and the Tennessee Valley Authority. 3. U.S. Government agencies include, but are not limited to, such agencies as the Government National Mortgage Association (GNMA), the Federal Deposit Insurance Corporation (FDIC), and the National Credit Union Administration (NCUA). U.S. Government-sponsored agencies include, but are not limited to, such agencies as the Federal Home Loan Mortgage Corporation (FHLMC) and the Federal National Mortgage Association (FNMA). 03/2011 RSSD ID: FR Y-9C Page 17 of 60 1631915 Schedule HC-B—Continued Held-to-Maturity (Column A) Amortized Cost Dollar Amounts in Thousands 5. Asset-backed securities and structured financial products: a. Asset-backed Securities (ABS) ................................................. b. Structured financial products: (1) Cash ............................................................................... (2) Synthetic.......................................................................... (3) Hybrid ............................................................................. 6. Other debt securities: a. Other domestic debt securities.................................................. b. Other foreign debt securities .................................................... 7. Investments in mutual funds and other equity securities with readily determinable fair values .................................................... 8. Total (sum of 1 through 7) (total of column A must equal Schedule HC, item 2.a) (total of column D must equal Schedule HC, item 2.b) .............................................................. Available-for-Sale (Column B) Fair Value (Column C) Amortized Cost (Column D) Fair Value BHCK BHCK BHCK BHCK C026 0 C988 0 C989 8099695 C027 7934983 G336 G340 0 G337 0 G341 0 G345 0 G338 0 G342 0 G346 354474 G339 0 G343 0 G347 335936 0 1738 0 1743 0 1739 0 1744 19891758 1741 20293874 1746 20561238 A510 2260489 A511 2316068 7. 0 1772 74472294 1773 79608979 8. 0416 30489330 M.1. 0383 0384 0387 33495432 3736286 40124379 M.2.a. M.2.b. M.2.c. 1778 0 M.3. 8782 8783 0 0 M.4.a. M.4.b. G344 1737 1742 BHCT 1754 0 0 23787898 5.a. 5.b.(1) 5.b.(2) 5.b.(3) 6.a. 6.b. BHCT 0 1771 Memoranda Dollar Amounts in Thousands 1. Pledged securities .................................................................................................................................................................... 2. Remaining maturity or next repricing date of debt securities2,3 (Schedule HC-B, items 1 through 6.b in columns A and D above): a. 1 year and less ...................................................................................................................................................................... b. Over 1 year to 5 years ............................................................................................................................................................ c. Over 5 years ......................................................................................................................................................................... 3. 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) ........................................................................................................................ 4. Structured notes (included in the held-to-maturity and available-for-sale accounts in Schedule HC-B, items 2, 3, 5, and 6): a. Amortized cost ...................................................................................................................................................................... b. Fair value ............................................................................................................................................................................. 1 BHCK 1. Includes held-to-maturity securities at amortized cost and available-for-sale securities at fair value. 2. Exclude investments in mutual funds and other equity securities with readily determinable fair values. 3. Report fixed-rate debt securities by remaining maturity and floating debt securities by next repricing date. 06/2014 RSSD ID: FR Y-9C Page 18 of 60 1631915 Schedule HC-B—Continued Memoranda—Continued Held-to-Maturity (Column A) Amortized Cost Dollar Amounts in Thousands Memorandum item 5 is to be completed by holding companies with total assets over $1 billion or with foreign offices.1 5. Asset-backed securities (ABS) (sum of Memorandum items 5.a through 5.f must equal Schedule HC-B, item 5.a): a. Credit card receivables ............................................................ b. Home equity lines ................................................................... c. Automobile loans.................................................................... d. Other consumer loans.............................................................. e. Commercial and industrial loans ................................................ f. Other.................................................................................... 6. Structured financial products by underlying collateral or reference assets (for each column, sum of Memorandum items 6.a through 6.g must equal Schedule HC-B, sum of items 5.b.(1) through (3)): a. Trust preferred securities issued by financial institutions.................. b. Trust preferred securities issued by real estate investment trusts ...... c. Corporate and similar loans....................................................... d. 1– 4 family residential MBS issued or guaranteed by U.S. government-sponsored enterprises (GSEs) .................................. e. 1– 4 family residential MBS not issued or guaranteed by GSEs......... f. Diversified (mixed) pools of structured financial products ................ g. Other collateral or reference assets ............................................ (Column B) Fair Value Available-for-Sale (Column C) Amortized Cost (Column D) Fair Value BHCK BHCK BHCK BHCK B838 B842 B846 0 B840 0 B844 0 B848 8996 B841 17123 B845 0 B849 B850 0 B839 0 B843 0 B847 0 B851 0 B852 0 B853 B854 B858 0 B855 0 B859 0 B856 0 B860 7796150 B857 277426 B861 G348 G352 0 G349 0 G353 0 G357 0 G350 0 G354 0 G351 0 G355 0 0 G358 0 G359 0 0 G361 0 G365 0 G369 0 G373 0 G362 0 G363 0 G367 0 0 0 G371 354474 G375 335936 G356 G360 G364 G368 G372 0 G366 0 G370 0 G374 8911 18920 0 0 7639990 267162 0 0 M.5.a. M.5.b. M.5.c. M.5.d. M.5.e. M.5.f. M.6.a. M.6.b. M.6.c. M.6.d. M.6.e. M.6.f. M.6.g. 1. The $1 billion asset size test is generally based on the total assets reported as of June 30, 2013. 03/2014 FR Y-9C Page 19 of 0 RSSD ID: 1631915 Schedule HC-C—Loans and Lease Financing Receivables Do not deduct the allowance for loan and lease losses from amounts reported in this schedule. Report (1) loans and leases held for sale at the lower of cost or fair value, (2) loans and leases held for investment, net of unearned income, and (3) loans and leases accounted for at fair value under a fair value option. Exclude assets held for trading and commercial paper. (Column A) Consolidated Dollar Amounts in Thousands BHCK 1. Loans secured by real estate ....................................................... 1410 a. Construction, land development, and other land loans: (1) 1– 4 family residential construction loans ................................ (2) Other construction loans and all land development and other land loans........................................................................ (Column B) In Domestic Offices BHDM 1. 61791079 BHCK F158 0 1.a.(1) F159 871768 1.a.(2) BHDM b. Secured by farmland............................................................... 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 .......................... (2) Closed-end loans secured by 1– 4 family residential properties: (a) Secured by first liens...................................................... (b) Secured by junior liens ................................................... d. Secured by multifamily (5 or more) residential properties................ e. Secured by nonfarm nonresidential properties: (1) Loans secured by owner- occupied nonfarm nonresidential properties ........................................................................ (2) Loans secured by other nonfarm nonresidential properties ......... 1420 0 1.b. 1797 0 1.c.(1) 5367 5368 1460 577 0 2892993 1.c.(2)(a) 1.c.(2)(b) 1.d. BHCK F160 3330970 F161 14297494 1.e.(1) 1.e.(2) BHDM 2. Loans to depository institutions and acceptances of other banks ......... a. To U.S. banks and other U.S. depository institutions...................... b. To foreign banks .................................................................... 3. Loans to finance agricultural production and other loans to farmers ..... 4. Commercial and industrial loans ................................................... a. To U.S. addressees (domicile) .................................................. b. To non-U.S. addressees (domicile) ............................................ 5. Not applicable 6. Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans) (includes purchased paper) ........ a. Credit cards b. Other revolving credit plans...................................................... c. Automobile loans.................................................................... d. Other consumer loans (includes single payment, installment, and all student loans) ........... 7. Loans to foreign governments and official institutions (including foreign central banks) ................................................... 8. Not applicable 9. Loans to nondepository financial institutions and other loans: a. Loans to nondepository financial institutions ................................ b. Other loans (1) Loans for purchasing or carrying securities (secured or unsecured)....................................................... (2) All other loans (exclude consumer loans)................................ 10. Lease financing receivables (net of unearned income) ...................... a. Leases to individuals for household, family, and other personal expenditures (i.e., consumer leases) .......................................... b. All other leases ...................................................................... 11. LESS: Any unearned income on loans reflected in items 1–9 above ..... 12. Total (sum of items 1 through 10 minus item 11) (total of column A must equal Schedule HC, sum of items 4.a and 4.b) 1292 1296 1590 1763 1764 1288 17 695034 1590 1766 52459088 54260041 17 1477404 156124 40448370 1975 2. 2.a. 2.b. 3. 4. 4.a. 4.b. K137 63184792 392605 1209828 6. 6.a. 6.b. 6.c. K207 5662909 6.d. B538 B539 59805800 2081 10152 2081 0 J454 1311015 J454 338408 1545 3835 1545 J451 118826 J451 2165 0 118033 12397456 F162 F163 2123 24173199 0 2123 0 2122 253273063 2122 148469681 334910 7. 9.a. 9.b.(1) 9.b.(2) 10. 10.a. 10.b. 11. 12. 03/2011 FR Y-9C Page 20 of 0 RSSD ID: 1631915 Schedule HC-C—Continued Memoranda Dollar Amounts in Thousands 1. Loans restructured in troubled debt restructurings that are in compliance with their modified terms (included in Schedule HC-C, and not reported as past due or nonaccrual in Schedule HC-N, Memorandum item 1): a. Construction, land development, and other land loans in domestic offices: (1) 1– 4 family residential construction loans .............................................................. (2) All other construction loans and all land development and other land loans.................. b. Loans secured by 1– 4 family residential properties in domestic offices ........................... c. Secured by multifamily (5 or more) residential properties in domestic offices .................... d. Secured by nonfarm nonresidential properties in domestic offices: (1) Loans secured by owner-occupied nonfarm nonresidential properties ........................ (2) Loans secured by other nonfarm nonresidential properties....................................... e. Commercial and Industrial loans: 460933 (1) To U.S. addressees (domicile)............................................ K163 234057 (2) To non-U.S. addressees (domicile)...................................... K164 f . A ll other loans (include loans to individuals for household, family, and other personal expenditures)1 .................................................................................................... Itemize and describe loan categories included in Memorandum item 1.f, above that exceed 10 percent of total loans restructured in troubled debt restructurings that are in compliance with their modified terms (sum of Memorandum items 1.a through 1.f): BHDM K158 K159 F576 K160 K161 K162 0 0 0 35157 130437 363225 M.1.a.(1) M.1.a.(2) M.1.b. M.1.c. M.1.d.(1) M.1.d.(2) BHCK M.1.e.(1) M.1.e.(2) K165 1885234 M.1.f. BHDM (1) Loans secured by farmland in domestic offices ................................................. K166 0 M.1.f.(1) K168 0 0 M.1.f.(2) M.1.f.(3) K098 644576 K203 0 K204 K212 0 0 K267 1039270 2746 33572 M.2. B837 40863407 M.3. 4. Outstanding credit card fees and finance charges (included in Schedule HC-C, item 6.a, Column A) .......................................................... C391 3224609 M.4. 2098828 264385 M.5.a. M.5.b. 0 M.6.a. BHCK (2) Loans to depository institutions and acceptances of other banks ... (3) Loans to finance agricultural production and other loans to farmers....................... (4) Loans to individuals for household, family, and other personal expenditures: (a) Credit cards .......................................................................................... (b) Automobile loans ................................................................................... (c) Other consumer loans (includes single payment, installment, all student loans, and revolving credit plans other than credit cards) ......................................... (5) Loans to foreign governments and official institutions ......................................... (6) Other loans1............................................................................................... 2. Loans to finance commercial real estate, construction, and land development activities (not secured by real estate) included in Schedule HC-C, items 4 and 9, Column A, above ............ 3. Loans secured by real estate to non-U.S. addressees (domicile) (included in Schedule HC-C, item 1, column A) ............................................................. K167 M.1.f.(4)(a) M.1.f.(4)(b) M.1.f.(4)(c) M.1.f.(5) M.1.f.(6) Memorandum item 4 is to be completed by (1) holding companies that, together with affiliated institutions, have outstanding credit card receivables (as defined in the instructions) that exceed $500 million as of the report date or (2) holding companies that on a consolidated basis are credit card specialty holding companies (as defined in the instructions). Memorandum item 5 is to be completed by all holding companies. 5. Purchased credit-impaired loans held for investment accounted for in accordance with AICPA Statement of Position 03- 3 (exclude loans held for sale): a. Outstanding balance............................................................................................. C779 b. Carrying amount included in Schedule HC-C, items 1 through 9 .................................... C780 6. Closed-end loans with negative amortization features secured by 1– 4 family residential properties in domestic offices: a. Total carrying amount of closed-end loans with negative amortization features secured by 1– 4 family residential properties (included in Schedule HC-C, items 1.c.(2)(a) and (b)) .. F230 1. Includes "Obligations (other than securities and leases) of states and political subdivisions in the U.S.," "Loans to nondepository financial institutions and other loans," and loans secured by real estate in foreign offices. 06/2013 FR Y-9C Page 21 of 60 RSSD ID: 1631915 Schedule HC-C—Continued Memoranda—Continued Dollar Amounts in Thousands Memorandum items 6.b and 6.c are to be completed by holding companies that had closed-end loans with negative amortization features secured by 1– 4 family residential properties (as reported in Schedule HC-C, Memorandum item 6.a) as of December 31, 2013, that exceeded the lesser of $100 million or 5 percent of total loans and leases, net of unearned income, in domestic offices (as reported in Schedule HC-C, item 12, column B). BHCK 6. b. Total maximum remaining amount of negative amortization contractually permitted on closed-end loans secured by 1– 4 family residential properties ................................. F231 c. Total amount of negative amortization on closed-end loans secured by 1– 4 family residential properties included in the carrying amount reported in Memorandum item 6.a above ...................................................................................................... F232 7.-8. Not applicable. BHDM 9. Loans secured by 1– 4 family residential properties in domestic offices in process of foreclosure (included in Schedule HC-C, items 1.c.(1), 1.c.(2)(a), and 1.c.(2)(b)) ............ F577 (Column A) Consolidated Dollar Amounts in Thousands Memorandum items 10 and 11 are to be completed by holding companies that have elected to measure loans included in Schedule HC-C, items 1 through 9, at fair value under a fair value option. 10. Loans measured at fair value: a. Loans secured by real estate............................................. (1) Construction, land development, and other land loans........ (2) Secured by farmland (including farm residential and other improvements)........................................................... (3) Secured by 1– 4 family residential properties: (a) Revolving, open-end loans secured by 1– 4 family residential properties and extended under lines of credit (b) Closed-end loans secured by 1– 4 family residential properties: (i) Secured by first liens........................................... (ii) Secured by junior liens ........................................ (4) Secured by multifamily (5 or more) residential properties .... (5) Secured by nonfarm nonresidential properties .................. b. Commercial and industrial loans ........................................ c. Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans) (includes purchased paper): (1) Credit cards .............................................................. (2) Other revolving credit plans .......................................... (3) Automobile loans........................................................ (4) Other consumer loans (includes single payment, installment, and all student loans) .................................. d. Other loans.................................................................... M.6.b. 0 M.6.c. 0 M.9. F578 0 M.10.a. M.10.a.(1) F579 0 M.10.a.(2) F580 0 M.10.a.(3)(a) F581 F582 F583 0 0 M.10.a.(3)(b)(i) M.10.a.(3)(b)(ii) M.10.a.(4) M.10.a.(5) M.10.b. (Column B) Domestic Offices BHCK F608 0 BHDM 47557 F585 F584 0 F585 F586 F587 K196 0 F586 0 F587 0 K196 K208 F589 0 K208 0 F589 0 47557 0 0 0 0 0 0 M.10.c.(1) M.10.c.(2) M.10.c.(3) M.10.c.(4) M.10.d. 06/2014 RSSD ID: 1631915 FR Y-9C Page 22 of 0 Schedule HC-C—Continued Memoranda—Continued (Column A) Consolidated Dollar Amounts in Thousands 11. Unpaid principal balances of loans measured at fair value (reported in memorandum item 10): a. Loans secured by real estate ............................................. (1) Construction, land development, and other land loans ........ (2) Secured by farmland (including farm residential and other improvements) ........................................................... (3) Secured by 1– 4 family residential properties: (a) Revolving, open-end loans secured by 1– 4 family residential properties and extended under lines of credit (b) Closed-end loans secured by 1– 4 family residential properties: (i) Secured by first liens ........................................... (ii) Secured by junior liens......................................... (4) Secured by multifamily (5 or more) residential properties..... (5) Secured by nonfarm nonresidential properties .................. b. Commercial and industrial loans ......................................... c. Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans) (includes purchased paper): (1) Credit cards ............................................................... (2) Other revolving credit plans........................................... (3) Automobile loans ........................................................ (4) Other consumer loans (includes single payment, installment, and all student loans) .................................. d. Other loans ................................................................... (Column A) Fair value of acquired loans and leases at acquisition date Dollar Amounts in Thousands 12. Loans (not subject to the requirements of AICPA Statement of Position 03-3) and leases held for investment that are acquired in business combinations with acquisition dates in the current calendar year: a. Loans secured by real estate............. b. Commercial and industrial loans ........ c. Loans to individuals for household, family, and other personal expenditures d. All other loans and all leases ............. (Column B) Domestic Offices BHCK F609 BHDM F590 0 M.11.a. M.11.a.(1) F591 0 M.11.a.(2) F592 0 M.11.a.(3)(a) F593 0 F594 F595 F596 0 0 51465 F597 0 F597 0 M.11.a.(3)(b)(i) M.11.a.(3)(b)(ii) M.11.a.(4) M.11.a.(5) M.11.b. F598 F599 K195 0 F598 0 F599 0 K195 0 K209 F601 0 K209 0 F601 51465 (Column B) Gross contractual amounts receivable at acquisition 0 0 0 0 M.11.c.(1) M.11.c.(2) M.11.c.(3) M.11.c.(4) M.11.d. (Column C) Best estimate at acquisition date of contractual cash flows not expected to be collected BHCK BHCK BHCK G091 G094 0 G092 0 G095 0 G093 0 G096 0 0 M.12.a. M.12.b. G097 G100 0 G098 0 G101 0 G099 0 G102 0 0 M.12.c. M.12.d. Dollar Amounts in Thousands BHCK 13. Not applicable 14. Pledged loans and leases .................................................................................... G378 49409952 M.14. 03/2011 FR Y-9C Page 23 of 0 RSSD ID: 1631915 Schedule HC-D—Trading Assets and Liabilities Schedule HC-D is to be completed by holding companies that reported average trading assets (Schedule HC-K, item 4.a) of $2 million or more in any of the four preceding quarters. (Column A) Consolidated Dollar Amounts in Thousands Assets 1. U.S. Treasury securities.......................................................... 2. U.S. government agency obligations (exclude mortgage-backed securities).. 3. Securities issued by states and political subdivisions in the U.S. ..... 4. Mortgage-backed securities (MBS): a. Residential pass-through securities issued or guaranteed by FNMA, FHLMC, or GNMA.................................................... b. Other residential mortgage-backed securities issued or guaranteed by U.S. Government agencies or sponsored agencies1 (include CMOs, REMICs, and stripped MBS ) .......................... c. All other residential mortgage-backed securities ....................... d. Commercial MBS issued or guaranteed by U.S. Government agencies or sponsored agencies1 .......................................... e. All other commercial MBS ................................................... 5. Other debt securities a. Structured financial products: (1) Cash........................................................................... (2) Synthetic ..................................................................... (3) Hybrid ......................................................................... b. All other debt securities ....................................................... 6. Loans: a. Loans secured by real estate................................................ (1) Construction, land development, and other land loans........... (2) Secured by farmland (including farm residential and other improvements) ............. (3) Secured by 1– 4 family residential properties: (a) Revolving, open-end loans secured by 1– 4 family residential properties and extended under lines of credit ... (b) Closed-end loans secured by 1– 4 family residential properties: (i) Secured by first liens ............................................. (ii) Secured by junior liens........................................... (4) Secured by multifamily (5 or more) residential properties ....... (5) Secured by nonfarm nonresidential properties ..................... b. Commercial and industrial loans............................................ c. Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans) (includes purchased paper): (1) Credit cards.................................................................. (2) Other revolving credit plans ............................................. (3) Automobile loans .......................................................... (4) Other consumer loans (includes single payment, installment, and all student loans) ..................................................... d. Other loans....................................................................... (Column B) Domestic Offices BHCM BHCK 3531 3532 0 3531 0 3532 0 0 3533 0 3533 0 1. 2. 3. BHCK BHDM G379 0 G379 0 4.a. G380 G381 0 G380 0 G381 0 4.b. 4.c. K197 0 K197 0 K198 0 0 G383 0 G384 0 0 0 G385 0 G386 0 K198 G383 G384 G385 G386 F610 0 0 4.d. 4.e. 0 5.a.(1) 5.a.(2) 5.a.(3) 5.b. F604 0 6.a. 6.a.(1) F605 0 6.a.(2) F606 0 6.a.(3)(a) 0 6.a.(3)(b)(i) 6.a.(3)(b)(ii) 6.a.(4) 6.a.(5) 6.b. 0 F607 F611 0 0 0 F614 F612 F613 0 F614 0 F615 0 F615 0 F616 K199 0 F616 0 K199 0 K210 0 K210 0 F618 0 F618 0 0 6.c.(1) 6.c.(2) 6.c.(3) 6.c.(4) 6.d. 1. U.S. Government agencies include, but are not limited to, such agencies as the Government National Mortgage Association (GNMA), the Federal Deposit Insurance Corporation (FDIC), and the National Credit Union Administration (NCUA). U.S. Government-sponsored agencies include, but are not limited to, such agencies as the Federal Home Loan Mortgage Corporation (FHLMC) and the Federal National Mortgage Association (FNMA). 03/2013 FR Y-9C Page 24 of 0 RSSD ID: 1631915 Schedule HC-D—Continued (Column A) Consolidated Dollar Amounts in Thousands BHCM 7.– 8. Not applicable 9. Other trading assets ............................................................. 3541 10. Not applicable 11. Derivatives with a positive fair value ......................................... 3543 BHCT 12. Total trading assets (sum of items 1 through 11) (total of Column A must equal Schedule HC, item 5) .................... 3545 Liabilities 13. a. Liability for short positions: (1) Equity securities ........................................................... (2) Debt securities ............................................................. (3) All other assets ............................................................ b. All other trading liabilities .................................................... 14. Derivatives with a negative fair value ........................................ 15. Total trading liabilities (sum of items 13.a through 14) (total of column A must equal Schedule HC, item 15) ................... (Column B) Domestic Offices BHCK 0 3541 0 9. 173726 3543 90300 11. 90300 12. BHDM 173726 3545 BHCK BHDM G209 0 G209 0 G210 0 G211 0 F624 56978 3547 17949 13.a.(1) 13.a.(2) 13.a.(3) 13.b. 14. 3548 56978 3548 17949 15. BHCK BHDM G210 G211 F624 3547 0 0 0 0 BHCT Memoranda Dollar Amounts in Thousands 1. Unpaid principal balance of loans measured at fair value (reported in Schedule HC-D, items 6.a. through 6.d.) a. Loans secured by real estate............................................... (1) Construction, land development, and other land loans.......... (2) Secured by farmland (including farm residential and other improvements) ............................................................ (3) Secured by 1– 4 family residential properties: (a) Revolving, open-end land secured by 1– 4 family residential properties and extended under lines of credit .. (b) Closed-end loans secured by 1– 4 family residential properties: (i) Secured by first liens............................................. (ii) Secured by junior liens .......................................... (4) Secured by multifamily (5 or more) residential properties ...... (5) Secured by nonfarm nonresidential properties .................... b. Commercial and industrial loans .......................................... c. Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans) (includes purchased paper): (1) Credit cards ................................................................ (2) Other revolving credit plans ............................................ (3) Automobile loans ......................................................... (4) Other consumer loans (includes single payment, installment, and all student loans) .................................................... d. Other loans...................................................................... 2. Loans measured at fair value that are past due 90 days or more: a. Fair value ........................................................................ b. Unpaid principal balance .................................................... F790 F625 0 M.1.a. M.1.a.(1) F626 0 M.1.a.(2) F627 0 M.1.a.(3)(a) F628 F629 F630 0 0 0 M.1.a.(3)(b)(i) M.1.a.(3)(b)(ii) M.1.a.(4) M.1.a.(5) M.1.b. 0 0 0 F632 F631 0 F632 F633 F634 K200 0 F633 0 F634 0 K200 0 0 0 M.1.c.(1) M.1.c.(2) M.1.c.(3) K211 F636 0 K211 0 F636 0 0 M.1.c.(4) M.1.d. F639 F640 0 F639 0 F640 0 0 M.2.a. M.2.b. 03/2011 FR Y-9C Page 25 of 0 RSSD ID:1631915 Schedule HC-D—Continued Memoranda—Continued (Column A) Consolidated Dollar Amounts in Thousands 3. Structured financial products by underlying collateral or reference assets (for each column, sum of Memorandum items 3.a through 3.g must equal Schedule HC-D, sum of items 5.a.(1) through (3)): a. Trust preferred securities issued by financial institutions.................. b. Trust preferred securities issued by real estate investment trusts........ c. Corporate and similar loans....................................................... d. 1– 4 family residential MBS issued or guaranteed by U.S. government-sponsored enterprises (GSEs) .................................. e. 1– 4 family residential MBS not issued or guaranteed by GSEs......... f. Diversified (mixed) pools of structured financial products................. g. Other collateral or reference assets ............................................ 4. Pledged trading assets: a. Pledged securities................................................................... b. Pledged loans ........................................................................ (Column B) Domestic Offices BHCK BHDM G299 G332 G333 0 G299 0 G332 0 G333 0 G334 G335 0 G334 0 G335 0 G651 0 0 G652 0 0 G387 0 G388 0 G651 G652 G387 G388 Dollar Amounts in Thousands Memoranda items 5 through 10 are to be completed by holding companies that reported average trading assets (Schedule HC-K, item 4.a.) of $1 billion or more in any of the four preceding quarters. 5. Asset-backed securities: a. Credit card receivables ............................................................................................ b. Home equity lines ................................................................................................... c. Automobile loans .................................................................................................... d. Other consumer loans.............................................................................................. e. Commercial and industrial loans ................................................................................ f. Other.................................................................................................................... 6. Retained beneficial interests in securitizations (first-loss or equity tranches) ........................... 7. Equity securities: a. Readily determinable fair values ................................................................................ b. Other.................................................................................................................... 8. Loans pending securitization ........................................................................................ 9. a. (1) Gross fair value of commodity contracts .................................................................. (2) Gross fair value of physical commodities held in inventory .......................................... b. Other trading assets (itemize and describe amounts included in Schedule HC-D, item 9, column A (other than amounts included in Memoranda items 9.a.(1) and 9.a.(2) above) that are greater than $25,000 and exceed 25 percent of item 9 less Memoranda items 9.a.(1) and 9. a. (2)): BHTX (1) F655 BHTX (2) F656 BHTX (3) F657 10. Other trading liabilities (itemize and describe amounts included in Schedule HC-D, item 13.b that are greater than $25,000 and exceed 25 percent of the item) BHTX a. F658 BHTX b. F659 BHTX c. F660 0 0 0 0 0 M.3.a. M.3.b. M.3.c. M.3.d. M.3.e. M.3.f. M.3.g. M.4.a. M.4.b. BHCK F643 F644 F645 F646 0 0 0 0 0 F647 F648 F651 0 F652 F653 0 0 F654 G212 G213 0 0 F655 F656 0 F657 F658 F659 F660 0 0 0 0 0 0 0 M.5.a. M.5.b. M.5.c. M.5.d. M.5.e. M.5.f. M.6. M.7.a. M.7.b. M.8. M.9.a.(1) M.9.a.(2) M.9.b.(1) M.9.b.(2) M.9.b.(3) M.10.a. M.10.b. M.10.c. 03/2013 RSSD ID: 1631915 FR Y-9C Page 26 of 0 Schedule HC-E—Deposit Liabilities1 Dollar Amounts in Thousands 1. Deposits held in domestic offices of commercial bank subsidiaries of the reporting holding company: a. Noninterest-bearing balances2 ....................................................................................... b. Interest-bearing demand deposits, NOW, ATS, and other transaction accounts ....................... c Money market deposit accounts and other savings accounts ............................................... d. Time deposits of less than $100,000............................................................................... e. Time deposits of $100,000 or more ................................................................................ 2. Deposits held in domestic offices of other depository institutions that are subsidiaries of the reporting holding company: a. Noninterest-bearing balances2....................................................................................... b. Interest-bearing demand deposits, NOW, ATS, and other transaction accounts ....................... c. Money market deposit accounts and other savings accounts ............................................... d. Time deposits of less than $100,000............................................................................... e. Time deposits of $100,000 or more ................................................................................ BHCB 2210 3187 51308 0 2389 6648 2604 5458931 11141986 1043393 1.a. 1.b. 1.c. 1.d. 1.e. BHOD 3189 3187 2389 6648 187167 49712 8695213 16737128 2604 9365398 Dollar Amounts in Thousands BHDM 1. Brokered deposits less than $100,000 with a remaining maturity of one year or less .................... A243 2. Brokered deposits less than $100,000 with a remaining maturity of more than one year ............... A164 3. Time deposits of $100,000 or more with a remaining maturity of one year or less ........................ A242 8409393 17690012 2.a. 2.b. 2.c. 2.d. 2.e. Memoranda 6920580 M.1. M.2. M.3. 3503585 M.4. B556 2148 1513159 5489509 1. 2. A519 A520 0 BHFN 4. Foreign office time deposits with a remaining maturity of one year or less .................................. A245 1. The sum of items 1.a through 1.e and items 2.a through 2.e must equal the sum of Schedule HC, items 13.a.(1) and 13.a.(2). 2. Includes noninterest-bearing demand, time, and savings deposits. Schedule HC-F—Other Assets Dollar Amounts in Thousands 1. Accrued interest receivable1 ............................................................................................. 2. Net deferred tax assets2 .................................................................................................. 3. Interest-only strips receivable (not in the form of a security)3 on: a. Mortgage loans .......................................................................................................... b. Other financial assets .................................................................................................. 4. Equity securities that DO NOT have readily determinable fair values4 ....................................... 5. Life insurance assets: a. General account life insurance assets ............................................................................ b. Separate account life insurance assets ........................................................................... c. Hybrid account life insurance assets ............................................................................... 6. Other........................................................................................................................... BHCK 1752 K201 K202 K270 2168 0 564008 3.a. 3.b. 4. 70408844 5.a. 5.b. 5.c. 6. 78071125 7. 74206 21399 0 BHCT 7. Total (sum of items 1 through 6) (must equal Schedule HC, item 11)......................................... 2160 1. Include accrued interest receivable on loans, leases, debt securities and other interest-bearing assets. 2. See discussion of deferred income taxes in Glossary entry on "income taxes." 3. Report interest-only strips receivable in the form of a security as available-for-sale securities in Schedule HC, item 2.b, or as trading assets in Schedule HC, item 5, as appropriate. 4. Include Federal Reserve stock, Federal Home Loan Bank stock, and bankers' bank stock. 03/2013 RSSD ID: 1631915 FR Y-9C Page 27 of 0 Schedule HC-G—Other Liabilities Dollar Amounts in Thousands BHCK 1. Not applicable 2. Net deferred tax liabilities1 ..................................................................................................... 3049 3. Allowance for credit losses on off-balance-sheet credit exposures ................................................. B557 4. Other ................................................................................................................................ B984 11350029 10037 53387648 2. 3. 4. 64747714 5. 3197 195874749 1. 3296 20495374 2. 3298 3408 49762387 0 3. 4. 3409 0 5. BHCT 5. Total (sum of items 2 through 4) (must equal Schedule HC, item 20) .............................................. 2750 1. See discussion of deferred income taxes in Glossary entry on "income taxes." Schedule HC-H—Interest Sensitivity1 Dollar Amounts in Thousands 1. Earning assets that are repriceable within one year or mature within one year ................................. 2. Interest-bearing deposit liabilities that reprice within one year or mature within one year included in item 13.a.(2) and 13.b.(2) on Schedule HC, Balance Sheet .......................................................... 3. Long-term debt that reprices within one year included in items 16 and 19.a on Schedule HC, Balance Sheet .................................................................................................................... 4. Variable-rate preferred stock (includes both limited-life and perpetual preferred stock) ....................... 5. Long-term debt reported in Schedule HC, item 19.a on the Balance Sheet that is scheduled to mature within one year ......................................................................................................... BHCK 1. Holding companies with foreign offices have the option of excluding the smallest of such non-U.S. offices from coverage in this schedule. Such holding companies may omit the smallest of their offices in foreign countries when arrayed by total assets provided that the assets of the excluded offices do not exceed 50 percent of the total assets of the holding company's assets in foreign countries and 10 percent of the holding company's total consolidated assets as of the report date. 03/2013 RSSD ID: 1631915 FR Y-9C Page 28 of 0 Schedule HC-I—Insurance-Related Underwriting Activities (Including Reinsurance) Schedule HC-I must be completed by all top-tier holding companies. (See instructions for additional information.) I . Property and Casualty Underwriting Dollar Amounts in Thousands BHCK Assets 1. Reinsurance recoverables ................................................................................................... B988 2. Total assets ...................................................................................................................... C244 50507 1842990 1. 2. Liabilities 3. Claims and claims adjustment expense reserves ..................................................................... B990 4. Unearned premiums .......................................................................................................... B991 914891 95550 3. 4. 5. Total equity....................................................................................................................... C245 495930 5. 6. Net income ...................................................................................................................... C246 22439 6. Assets 1. Reinsurance recoverables ................................................................................................... C247 2. Separate account assets..................................................................................................... B992 3. Total assets ...................................................................................................................... C248 1709309 0 36671407 1. 2. 3. Liabilities 4. Policyholder benefits and contractholder funds ........................................................................ B994 5. Separate account liabilities .................................................................................................. B996 26016186 0 4. 5. 6. Total equity....................................................................................................................... C249 10723103 6. 7. Net income ...................................................................................................................... C250 31044 7. II. Life and Health Underwriting BHCK 03/2013 RSSD ID: 1631915 FR Y-9C Page 29 of 0 Schedule HC-K—Quarterly Averages Dollar Amounts in Thousands Assets 1. Securities: a. U.S. Treasury securities and U.S. government agency obligations (excluding mortgage-backed securities) .................................................................... b. Mortgage-backed securities.................................................................................... c. All other securities (includes securities issued by states and political subdivisions in the U.S.) ....................... 2. Federal funds sold and securities purchased under agreements to resell ............................ BHCK B558 B559 11136673 4927998 1.a. 1.b. B560 3365 54159862 11860308 1.c. 2. BHDM 3. a . Total loans and leases in domestic offices ................................................................. (1) Loans secured by 1– 4 family residential properties................................................. (2) All other loans secured by real estate ................................................................... (3) Loans to finance agricultural production and other loans to farmers ............................ (4) Commercial and industrial loans ......................................................................... (5) Loans to individuals for household, family, and other personal expenditures: (a) Credit cards .............................................................................................. (b) Other (includes single payment, installment other than auto loans, all student loans, and revolving credit plans other than credit cards ............................................... 3516 3465 144871915 577 3466 3386 3387 20627629 132772 53040488 3.a. 3.a.(1) 3.a.(2) 3.a.(3) 3.a.(4) B561 57114673 3.a.(5)(a) B562 1066891 3.a.(5)(b) BHFN b. Total loans and leases in foreign offices, Edge and agreement subsidiaries, and IBFs.......... 3360 107984477 3.b. 4. a. Trading assets ..................................................................................................... 3401 b. Other earning assets ............................................................................................ B985 5. Total consolidated assets .......................................................................................... 3368 173532 30539012 511299993 4.a. 4.b. 5. BHCK Liabilities 6. Interest-bearing deposits (domestic)1 ........................................................................... 7. Interest-bearing deposits (foreign)1 .............................................................................. 8. Federal funds purchased and securities sold under agreements to repurchase..................... 9. All other borrowed money ......................................................................................... 10. Not applicable 3517 3404 3353 2635 Equity Capital 11. Total equity capital (excludes limited-life preferred stock).................................................. 3519 11992684 171932 281413620 6. 7. 8. 9. 86893454 11. 50428693 1. Includes interest-bearing demand deposits. 03/2011 FR Y-9C Page 30 of 60 For Federal Reserve Bank Use Only RSSD ID: C.I. 1631915 Schedule HC-L—Derivatives and Off-Balance-Sheet Items (Report only transactions with nonrelated institutions) Dollar Amounts in Thousands 1. Unused commitments (report only the unused portions of commitments that are fee paid or otherwise legally binding): a. Revolving, open-end loans secured by 1– 4 family residential properties, (e.g., home equity lines) .. b. (1) Unused consumer credit card lines ...................................................................... (2) Other unused credit card lines ............................................................................ c. (1) Commitments to fund commercial real estate, construction, and land development loans secured by real estate (sum of items 1.c.(1)(a) and (b) must equal item 1.c.(1)) ............... (a) 1– 4 family residential construction loan commitments .......... F164 (b) Commercial real estate, other construction loan, and land development loan commitments ...................................... F165 BHCK 3814 J455 J456 0 297026211 8904917 1.a. 1.b.(1) 1.b.(2) 3816 2266560 1.c.(1) 0 1.c.(1)(a) 2266560 1.c.(1)(b) (2) Commitments to fund commercial real estate, construction, and land development loans NOT secured by real estate ................................................................................ d. Securities underwriting ........................................................................................... e. Other unused commitments: (1) Commercial and industrial loans ......................................................................... (2) Loans to financial institutions ............................................................................. (3) All other unused commitments ............................................................................ 2. Financial standby letters of credit and foreign office guarantees .......................................... 6550 16586 3817 0 J457 32777505 1372629 J458 J459 6566 31681176 1536296 1.c.(2) 1.d. 1.e.(1) 1.e.(2) 1.e.(3) 2. Item 2.a is to be completed by holding companies with $1 billion or more in total assets.1 a. Amount of financial standby letters of credit conveyed to others ..................................... 3820 3. Performance standby letters of credit and foreign office guarantees ..................................... 6570 19290 559726 2.a. 3. 268 3.a. 4. Item 3.a is to be completed by holding companies with $1 billion or more in total assets.1 a. Amount of performance standby letters of credit conveyed to others ................................ 3822 4. Commercial and similar letters of credit .......................................................................... 3411 5. Not applicable 6. Securities lent ........................................................................................................... 3433 7. Credit derivatives: a. Notional amounts: (1) Credit default swaps ......................................................... (2) Total return swaps ............................................................ (3) Credit options.................................................................. (4) Other credit derivatives ..................................................... b. Gross fair values: (1) Gross positive fair value .................................................... (2) Gross negative fair value ................................................... (Column A) Sold Protection 133690 0 6. (Column B) Purchased Protection BHCK BHCK C968 C970 C972 0 C969 0 C971 0 C973 4007372 C975 824869 0 0 0 7.a.(1) 7.a.(2) 7.a.(3) 7.a.(4) 0 C221 9724 C222 29 10319 7.b.(1) 7.b.(2) C974 C219 C220 c. Notional amounts by regulatory capital treatment: (1) Positions covered under the Market Risk Rule: (a) Sold protection ........................................................................................... (b) Purchased protection ................................................................................... (2) All other positions: (a) Sold protection ........................................................................................... (b) Purchased protection that is recognized as a guarantee for regulatory capital purposes.................................................................................................... (c) Purchased protection that is not recognized as a guarantee for regulatory capital purposes.................................................................................................... BHCK G401 G402 7.c.(1)(a) 7.c.(1)(b) G403 7.c.(2)(a) G404 7.c.(2)(b) G405 7.c.(2)(c) 1. The $1 billion asset size test is generally based on the total assets reported as of June 30, 2013. 03/2014 FR Y-9C Page 31 of 0 RSSD ID:1631915 Schedule HC-L—Continued (Report only transactions with nonrelated institutions) Remaining Maturity of: (Column A) One year or less Dollar Amounts in Thousands 7. d. Notional amounts by remaining maturity: (1) Sold credit protection: (a) Investment grade ........................ (b) Subinvestment grade ................... (2) Purchased credit protection: (a) Investment grade ........................ (b) Subinvestment grade ................... (Column B) Over One Year Through Five Years (Column C) Over Five Years BHCK BHCK BHCK G406 0 G407 987357 G410 0 G408 2503989 G411 153294 743697 G413 0 G416 81172 G414 0 G417 0 G409 G412 G415 362731 0 7.d.(1)(a) 7.d.(1)(b) 7.d.(2)(a) 7.d.(2)(b) BHCK 8. Spot foreign exchange contracts................................................................................... 9. All other off-balance-sheet items (exclude derivatives) (include in item 9 the aggregate amount all other off-balance-sheet items that individually exceed 10 percent of Schedule HC, item 27.a, "Total holding company equity capital") (itemize and describe in items 9.a through 9.g only amounts that exceed 25 percent of Schedule HC, item 27.a) .................................. a. Securities borrowed ............................................................................................... b. Commitments to purchase when-issued securities ....................................................... c. Commitments to sell when-issued securities ............................................................... 8765 1104812 3430 3432 3434 9. 9.a. 9.b. 9.c. 8. 3435 0 0 0 0 d. TEXT 6561 6561 0 9.d. e. TEXT 6562 6562 0 9.e. f. TEXT 6568 6568 0 TEXT 6586 9.f. 6586 0 9.g. g. 10. Not applicable 03/2013 FR Y-9C Page 32 of 0 RSSD ID: 1631915 Schedule HC-L—Continued Dollar Amounts in Thousands Derivatives Position Indicators 11. Gross amounts (e.g., notional amounts) (for each column, sum of items 11.a through 11.e must equal sum of items 12 and 13): a. Futures contracts ....... (Column A) Interest Rate Contracts (Column B) Foreign Exchange Contracts BHCK 8693 BHCK 8694 0 BHCK 8697 b. Forward contracts ...... c. Exchange-traded option contracts: (1) Written options ..... 5442 BHCK 8701 BHCK 8709 3758415 BHCK 8711 BHCK 8714 107732 150710 107351057 BHCK A126 BHCK A127 4001005 BHCK 8725 BHCK 8726 107221641 BHCK 8733 BHCK 8741 BHCK 8739 BHCK 8742 5952112 BHCK 8745 BHCK 8746 511715 3682819 0 11.d.(2) 11.e. 0 12. 18644 13. 0 14.a.(1) 0 14.a.(2) 6611 14.b.(1) 0 14.b.(2) BHCK 8740 1993 BHCK 8743 BHCK 8744 17422 3018273 11.d.(1) BHCK 8736 1993 5992 90641 0 BHCK 8728 BHCK 8735 BHCK 8738 11.c.(2) BHCK 8724 51787 16788 0 18644 129590 BHCK 8727 BHCK 8734 11.c.(1) BHCK 8720 16500 162197766 183373 BHCK 8737 100081 BHCK 8723 1103976 0 BHCK 8716 BHCK 8719 46357055 11.b. BHCK 8712 64795 BHCK 8715 BHCK 3826 0 BHCK 8708 0 150474 11.a. BHCK 8704 0 BHCK 8707 BHCK 8710 BHCK 3450 e. Swaps ..................... 12. Total gross notional amount of derivative contracts held for trading...... 13. Total gross notional amount of derivative contracts held for purposes other than trading ........... 14. Gross fair values of derivative contracts: a. Contracts held for trading: (1) Gross positive fair value .................. (2) Gross negative fair value .................. b. Contracts held for purposes other than trading: (1) Gross positive fair value .................. (2) Gross negative fair value .................. BHCK 8703 0 0 BHCK 8700 1 0 BHCK 8706 BHCK 8713 (2) Purchased options .. BHCK 8699 BHCK 8702 0 BHCK 8696 0 116643503 0 (Column D) Commodity and Other Contracts BHCK 8695 0 BHCK 8698 BHCK 8705 (2) Purchased options .. d. Over-the-counter option contracts: (1) Written options ..... (Column C) Equity Derivative Contracts BHCK 8747 BHCK 8748 0 03/2007 RSSD ID: FR Y-9C Page 33 of 60 1631915 Schedule HC-L—Continued Item 15 is to be completed only by holding companies with total assets of $10 billion or more.1 (Column A) Banks and Securities Firms Dollar Amounts in Thousands 15. Over-the-counter derivatives: a. Net current credit exposure .................. b. Fair value of collateral: (1) Cash–U.S. dollar .......................... (2) Cash–Other currencies .................. (3) U.S. Treasury securities ................ (4) U.S. government agency and U.S. government-sponsored agency debt securities .................................... (5) Corporate bonds ........................... (6) Equity securities ........................... (7) All other collateral ......................... (8) Total fair value of collateral (sum of items 15.b.(1) through (7)) ... (Column B) Monoline Financial Guarantors (Column C) Hedge Funds (Column D) Sovereign Governments (Column E) Corporations and All Other Counterparties BHCK BHCK BHCK BHCK BHCK G418 6834396 G419 0 G420 0 G421 0 G422 569877 15.a. G423 G428 0 G425 0 G430 0 G435 0 G426 0 G431 0 G436 0 G427 0 G432 0 G437 -45177 G433 3057635 G424 16157 G429 3175870 G434 15.b.(1) 15.b.(2) 15.b.(3) G438 G443 G448 0 G439 0 G444 0 G449 0 G440 0 G445 0 G450 0 G441 0 G446 0 G451 0 G442 0 G447 0 G452 0 G453 0 G454 0 G455 0 G456 0 G457 0 0 15.b.(4) 15.b.(5) 15.b.(6) 15.b.(7) G458 6249662 G459 0 G460 0 G461 0 G462 178330 15.b.(8) 223507 0 0 1. The $10 billion asset size test is generally based on the total assets reported as of June 30, 2013. 03/2014 FR Y-9C Page 34 of 0 RSSD ID:1631915 Schedule HC-M—Memoranda Dollar Amounts in Thousands Number (Unrounded) 1. Total number of holding company common shares 1000 outstanding ..................................................................... 3459 2. Debt maturing in one year or less (included in Schedule HC, items 16 and 19.a) that is issued to unrelated third parties by bank subsidiaries ................................................. 3. Debt maturing in more than one year (included in Schedule HC, items 16 and 19.a) that is issued to unrelated third parties by bank subsidiaries.................................................. 4. Other assets acquired in satisfaction of debts previously contracted............................... 5. Securities purchased under agreements to resell offset against securities sold under agreements to repurchase on Schedule HC .............................................................. 6. Assets covered by loss-sharing agreements with the FDIC: a. Loans and leases (included in Schedule HC, items 4.a and 4.b): (1) Loans secured by real estate in domestic offices: (a) Construction, land development, and other land loans: (1) 1– 4 family residential construction loans ................................................. (2) Other construction loans and all land development and other land loans ....... (b) Secured by farmland ............................................................................... (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 .............................................................. (2) Closed-end loans secured by 1– 4 family residential properties: (a) Secured by first liens ...................................................................... (b) Secured by junior liens.................................................................... (d) Secured by multifamily (5 or more) residential properties ................................. (e) Secured by nonfarm nonresidential properties: (1) Loans secured by owner-occupied nonfarm nonresidential properties ........... (2) Loans secured by other nonfarm nonresidential properties .......................... BHCK 1. 6555 0 2. 6556 6557 2000000 1591 3. 4. A288 0 5. K169 K170 0 0 K171 0 6.a.(1)(a)(1) 6.a.(1)(a)(2) 6.a.(1)(b) K172 0 6.a.(1)(c)(1) K173 K174 0 0 K175 6.a.(1)(c)(2)(a) 6.a.(1)(c)(2)(b) 0 6.a.(1)(d) K176 0 K177 0 6.a.(1)(e)(1) 6.a.(1)(e)(2) BHDM BHCK (2) Loans to finance agricultural production and other loans to farmers ........................ (3) Commercial and industrial loans .................................................................... (4) Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans) (includes purchased paper): (a) Credit cards .......................................................................................... (b) Automobile loans .................................................................................... (c) Other consumer loans (includes single payment, installment, all student loans, and all revolving credit plans other than credit cards....................................... (5) All other loans and leases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . K178 0 K179 0 6.a.(2) 6.a.(3) K180 K181 0 0 6.a.(4)(a) 6.a.(4)(b) K182 K183 0 6.a.(4)(c) 6.a.(5) K184 K185 0 0 K186 K273 0 0 0 Itemize and describe loan and lease categories included in item 6.a(5) above that exceed 10 percent of total loans and leases covered by loss-sharing agreements with the FDIC (sum of items 6.a.(1) through (5)): (a) Loans to depository institutions and acceptances of other banks ...................... (b) Loans to foreign governments and official institutions ..................................... (c) Other loans1 ........................................................................................... (d) Lease financing receivables b. Other real estate owned (included in Schedule HC, item 7): (1) Construction, land development, and other land in domestic offices........................ (2) Farmland in domestic offices .......................................................................... (3) 1– 4 family residential properties in domestic offices............................................ (4) Multifamily (5 or more) residential properties in domestic offices ............................ (5) Nonfarm nonresidential properties in domestic offices ......................................... 6.a.(5)(a) 6.a.(5)(b) 6.a.(5)(c) 6.a.(5)(d) BHDM K187 K188 K189 K190 K191 0 0 0 0 0 6.b.(1) 6.b.(2) 6.b.(3) 6.b.(4) 6.b.(5) 1. Includes "Obligations (other than securities and leases) of states and political subdivisions in the U.S.," "Loans to nondepository financial institutions and other loans," and loans secured by real estate in foreign offices. 03/2013 FR Y-9C Page 35 of 0 RSSD ID:1631915 Schedule HC-M—Continued Dollar Amounts in Thousands 6. b. (6) In foreign offices ................................................................................................. (7) Portion of covered other real estate owned included in items 6.b.(1) through (6) above that is protected by FDIC loss-sharing agreements .......................................................... c. Debt securities (included in Schedule HC, items 2.a and 2.b) ............................................ d. Other assets (exclude FDIC loss-sharing indemnification assets) ....................................... 7. Captive insurance and reinsurance subsidiaries: a. Total assets of captive insurance subsidiaries1 ............................................................... b. Total assets of captive reinsurance subsidiaries1 ............................................................ BHFN K260 0 6.b.(6) K192 J461 J462 0 0 0 6.b.(7) 6.c. 6.d. K193 153790 K194 5415 BHCK 8. Has the holding company entered into a business combination during the calendar year that was accounted for by the purchase method of accounting? (Enter ''1'' for Yes; enter ''0'' for No.) ................ 0=No 9. Has the holding company restated its financial statements during the last quarter as a result of new or revised Statements of Financial Accounting Standards? (Enter ''1'' for Yes; enter ''0'' for No.) .............. 10. Not applicable 11. Have all changes in investments and activities been reported to the Federal Reserve on the Report of Changes in Organizational Structure (FR Y-10)? Holding companies must not leave blank or enter "N/A." The holding company must enter "1" for yes or for no changes to report; or enter "0" for no. If the answer to this question is no, complete the FR Y-10............................................................ 0=No BHCK 1=Yes C251 0 8. 0 9. 1 11. 0 12.a. BHCK 1=Yes 6689 0=No 7.a. 7.b. BHCK 1=Yes 6416 TEXT 6428 M. IANNONE Name of Holding Company Official Verifying FR Y-10 Reporting (Please Type or Print) 203-750-5347 Area Code / Phone Number (TEXT 9009) BHCK 12. Intangible assets other than goodwill: a. Mortgage servicing assets ........................................................................................ 3164 0 (1) Estimated fair value of mortgage servicing assets ..................... 6438 b. Purchased credit card relationships and nonmortgage servicing assets .............................. B026 c. All other identifiable intangible assets.......................................................................... 5507 1159886 12.a.(1) 12.b. 12.c. d. Total (sum of items 12.a, 12.b, and 12.c) (must equal Schedule HC, item 10.b) .................... 0426 1193962 12.d. 2150 42239 34076 BHCT 13. Other real estate owned................................................................................................ 14. Other borrowed money: a. Commercial paper ................................................................................................... b. Other borrowed money with a remaining maturity of one year or less ................................. c. Other borrowed money with a remaining maturity of more than one year ............................ 13. BHCK 2309 2332 2333 25012275 48196446 202865878 14.a. 14.b. 14.c. 276074599 14.d. BHCT d. Total (sum of items 14.a, 14.b, and 14.c) (must equal Schedule HC, item 16) ...................... 3190 15. Does the holding company sell private label or third-party mutual funds and annuities? (Enter ''1'' for Yes; enter ''0" for No.) ........................................................................................ 0=No BHCK 1=Yes B569 1 15. 1471988 16. BHCK 16. Assets under management in proprietary mutual funds and annuities..................................... B570 1. Report total assets before eliminating intercompany transactions between the consolidated insurance or reinsurance subsidiary and other offices or consolidated subsidiaries of the reporting holding company. 03/2013 FR Y-9C Page 36 of 0 RSSD ID: 1631915 Schedule HC-M—Continued The following two questions (items 17 and 18) will be used to determine if the reporting holding company must complete the Consolidated Holding Company Report of Equity Investments in Nonfinancial Companies (FR Y-12). See the line item instructions for further details. 17. Does the holding company hold, either directly or indirectly through a subsidiary or affiliate, any nonfinancial equity investments (see instructions for definition) within a Small Business Investment Company (SBIC) structure, or under section 4(c)(6) or 4 (c)(7) of the Bank Holding Company Act, or pursuant to the merchant banking authority of section 4(k)4(H) of the Bank Holding Company Act, or pursuant to the investment authority granted by Regulation K? (Enter ''1'' for Yes; enter ''0'' for No.) .... 0=No BHCK 1=Yes C161 1 17. 0 18. 0 19.a. 0 19.b. C252 0 20.a. 4832 0 0 0 20.b.(1) 20.b.(2) 20.b.(3) 5041 5043 5045 0 0 0 20.c.(1) 20.c.(2) 20.c.(3) 5047 0 20.d. C253 0 21. If the answer to item 17 is no, your organization does not need to complete the FR Y-12. Skip item 18 and proceed to items 19.a and 19.b below. If the answer to item 17 is yes, proceed to item 18. 18. Do your aggregate nonfinancial equity investments (see instructions for definition) equal or exceed the lesser of $100 million (on an acquisition cost basis) or 10 percent of the holding company's consolidated Tier 1 capital as of the report date? (Enter ''1'' for Yes; enter ''0'' for No.)........................ 0=No BHCK 1=Yes C159 If the answer to both item 17 and item 18 is yes, your organization must complete the FR Y-12. Skip items 19.a and 19.b and proceed to item 20 below. If the answer to either item 17 or item 18 is no, your organization does not need to complete the FR Y-12. Proceed to items 19.a. and 19.b. below. Items 19.a. and 19.b. are to be completed by all holding companies that are not required to file the FR Y-12. 19. a. Has the holding company sold or otherwise liquidated its holding of any nonfinancial equity investment since the previous reporting period? (Enter ''1'' for Yes; enter ''0'' for No.)..................... b. Does the holding company manage any nonfinancial equity investments for the benefit of others? (Enter "1" for Yes; enter "0" for No.) .................................................................................... Dollar Amounts in Thousands Memoranda items 20 and 21 are to be completed only by holding companies who have made an effective election to become a financial holding company. See the line item instructions for further details. 20. Balances of broker–dealer subsidiaries engaged in underwriting or dealing securities pursuant to Section 4(k)(4)(E) of the Bank Holding Company Act as amended by the Gramm-Leach-Bliley Act: a. Net assets ............................................................................................................. b. Balances due from related institutions: (1) Due from the holding company (parent company only), gross...................................... (2) Due from subsidiary banks of the holding company, gross .......................................... (3) Due from nonbank subsidiaries of the holding company, gross .................................... c. Balances due to related institutions: (1) Due to holding company (parent company only), gross .............................................. (2) Due to subsidiary banks of the holding company, gross.............................................. (3) Due to nonbank subsidiaries of the holding company, gross ....................................... d. Intercompany liabilities reported in items 20.c.(1), 20.c.(2), and 20.c.(3) above that qualify as liabilities subordinated to claims of general creditors .................................................. 21. Net assets of subsidiaries engaged in insurance or reinsurance underwriting pursuant to Section 4(k)(4)(B) of the Bank Holding Company Act as amended by the GrammLeach-Bliley Act (12 U.S.C. § 1843(k)(4)(B))1 .................................................................... 0=No BHCK 1=Yes C700 0=No 1=Yes C701 BHCK 4833 4834 1. A savings and loan holding company that wishes to engage in financial holding company activities must have an effective election to be treated as a financial holding company or conducts activities under section 10(c)(2)(H)(i) of the HOLA (12 U.S.C. 1467a(c)(2)(H)(i)). 03/2013 RSSD ID: FR Y-9C Page 37 of 0 1631915 Schedule HC-M—Continued Memoranda item 22 is to be completed by holding companies with total assets of $30 billion or more. 22. Address (URL) for the reporting holding company's web page that displays risk disclosures, including those about credit and market risk. (Example: www.examplebhc.com/riskdisclosures) HTTP:}}WWW.GE.COM}INVESTORS}FINANCIALREPORTING}SECFILINGS}INDEX.HTML TEXT C497 22. http:// Dollar Amounts in Thousands Memoranda items 23 and 24 are to be completed by all holding companies. 23. Secured liabilities: a. Amount of "Federal funds purchased in domestic offices" that are secured (included in Schedule HC, item 14.a) ............................................................................. b. Amount of "Other borrowings" that are secured (included in Schedule HC-M, item 14.d)............ 24. Issuances associated with the U.S. Department of Treasury Capital Purchase Program: a. Senior perpetual preferred stock or similar items ............................................................... b. Warrants to purchase common stock or similar items ......................................................... BHCK F064 0 F065 37220144 23.a. 23.b. G234 G235 0 0 24.a. 24.b. 03/2013 FR Y-9C Page 38 of 0 For Federal Reserve Bank Use Only Schedule HC-N—Past Due and Nonaccrual Loans, Leases, and Other Assets (Column A) Past due 30 through 89 days and still accruing 1. 2. 3. 4. 5. 6. 7. 8. Dollar Amounts in Thousands Loans secured by real estate: a. Construction, land development, and other land loans in domestic offices: (1) 1– 4 family residential construction loans .. (2) Other construction loans and all land development and other land loans ....... b. Secured by farmland in domestic offices..... c. Secured by 1– 4 family residential properties in domestic offices: (1) Revolving, open-end loans secured by 1– 4 family residential properties and extended under lines of credit ............. (2) Closed-end loans secured by 1– 4 family residential properties: (a) Secured by first liens ................... (b) Secured by junior liens ................. d. Secured by multifamily (5 or more) residential properties in domestic offices..... e. Secured by nonfarm nonresidential properties in domestic offices: (1) Loans secured by owner-occupied nonfarm non-residential properties ....... (2) Loans secured by other nonfarm nonresidential properties.................... f. In foreign offices.................................... Loans to depository institutions and acceptances of other banks: a. U.S. banks and other U.S. depository institutions............................................ b. Foreign banks ....................................... Loans to finance agricultural production and other loans to farmers................................. Commercial and industrial loans ................. Loans to individuals for household, family, and other personal expenditures: a. Credit cards ......................................... b. Automobile loans ................................... c. Other consumer loans (includes single payment, installment, all student loans, and revolving credit plans other than credit cards).. Loans to foreign governments and official institutions .............. All other loans ........................................... Lease financing receivables: a. Leases to individuals for household, family, and other personal expenditures ............... b. All other leases ..................................... RSSD ID: C.I. (Column B) Past due 90 days or more and still accruing 1631915 (Column C) Nonaccrual BHCK BHCK BHCK F172 0 F174 0 F176 0 1.a.(1) F173 3493 0 F175 0 3494 0 F177 0 3495 0 0 1.a.(2) 1.b. 5398 0 5399 0 5400 0 1.c.(1) C236 C238 0 C237 0 C239 0 C229 0 C230 0 1.c.(2)(a) 1.c.(2)(b) 3499 0 3500 0 3501 8658 F178 10567 F180 0 F182 166076 1.e.(1) F179 B572 0 F181 995009 B573 0 F183 55154 B574 340901 2625219 1.e.(2) 1.f. 5377 5380 0 5378 0 5381 0 5379 0 5382 0 0 1594 1606 614 1597 1361743 1607 0 1583 366545 1608 1471 2451017 B575 K213 1453192 B576 44695 K214 1201555 B577 0 K215 1463 12274 5.a. 5.b. K216 109286 K217 0 K218 42589 5.c. 5389 5459 0 5390 46 5460 0 5391 0 5461 0 1822 F166 F169 10784 F167 202835 F170 0 F168 64 F171 2545 288873 0 1.d. 2.a. 2.b. 3. 4. 6. 7. 8.a. 8.b. Amounts reported in Schedule HC-N, items 1 through 8, above include guaranteed and unguaranteed portions of past due and nonaccrual loans and leases. Report in item 11 below certain guaranteed loans and leases that have already been included in the amounts reported in items 1 through 8. 03/2011 FR Y-9C Page 39 of 0 RSSD ID: 1631915 Schedule HC-N—Continued (Column A) Past due 30 through 89 days and still accruing 9. 10. 11. 12. Dollar Amounts in Thousands Debt securities and other assets (exclude other real estate owned and other repossessed assets) ............................. TOTAL (sum of items 1 through 9) ........... Loans and leases reported in items 1 through 8 above which are wholly or partially guaranteed by the U.S.Government (excluding loans and leases covered by loss-sharing agreements with the FDIC) .... a. Guaranteed portion of loans and leases (exclude rebooked "GNMA loans") included in item 11 above ................... b. Rebooked "GNMA loans" that have been repurchased or are eligible for repurchase included in item 11 above ... Loans and leases in items 1 through 8 above which are covered by loss-sharing agreements with the FDIC: a. Loans secured by real estate in domestic offices: (1) Construction, land development, and other land loans: (a) 1– 4 family residential construction loans ................... (b) Other construction loans and all land development and other land loans ...................... (2) Secured by farmland..................... (3) Secured by 1– 4 family residential properties: (a) Revolving, open-end loans secured by 1– 4 family residential properties and extended under lines of credit .......................... (b) Closed-end loans secured by 1– 4 family residential properties: (1) Secured by first liens ............ (2) Secured by junior liens.......... (4) Secured by multifamily (5 or more) residential properties ............ (5) Secured by nonfarm nonresidential properties: (a) Loans secured by owneroccupied nonfarm nonresidential properties ............................... (b) Loans secured by other non-farm nonresidential properties............ b. Loans to finance agricultural production and other loans to farmers ................... c. Commercial and industrial loans ............. (Column B) Past due 90 days or more and still accruing (Column C) Nonaccrual BHCK BHCK BHCK 3505 5524 27617 3506 4216388 5525 226788 3507 1850106 5526 6128469 9. 10. K036 0 K037 0 K038 0 11. K039 0 K040 0 K041 0 11.a. K042 0 K043 0 K044 0 11.b. 185561 BHDM BHDM BHDM K045 0 K046 0 K047 0 12.a.(1)(a) K048 K051 0 K049 0 K052 0 K050 0 K053 0 0 12.a.(1)(b) 12.a.(2) K054 0 K055 0 K056 0 12.a.(3)(a) K057 K060 0 K058 0 K061 0 K059 0 K062 0 12.a.(3)(b)(1) 0 12.a.(3)(b)(2) K063 0 K064 0 K065 0 12.a.(4) K066 0 K067 0 K068 0 12.a.(5)(a) 0 12.a.(5)(b) 0 0 12.b. 12.c. K069 0 K070 0 K071 BHCK BHCK BHCK K072 K075 0 K073 0 K076 0 K074 0 K077 03/2011 FR Y-9C Page 40 of 0 RSSD ID: 1631915 Schedule HC-N—Continued (Column A) Past due 30 through 89 days and still accruing Dollar Amounts in Thousands 12.d. Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans) (includes purchased paper): (1) Credit cards ..................................... (2) Automobile loans ............................... (3) Other consumer loans ........................ e. All other loans and leases ........................ (Column B) Past due 90 days or more and still accruing (Column C) Nonaccrual BHCK BHCK BHCK K078 K081 K084 K087 0 K079 0 K082 0 K085 0 K088 0 K080 0 K083 0 K086 0 K089 0 0 12.d.(1) 12.d.(2) 12.d.(3) 12.e. K091 0 K092 0 K093 0 12.e.(1) K095 0 K097 0 K101 0 K272 0 K099 K269 0 K096 0 K100 0 K271 0 0 12.e.(2) 12.e.(3) 12.e.(4) K102 0 K103 0 K104 0 12.f. 0 0 Itemize and describe the past due and nonaccrual amounts included in item 12.e. above for the loan and lease categories reported in Schedule HC-M, items 6.a.(5)(a) through (d): (1) Loans to depository institutions and acceptances of other banks ................ (2) Loans to foreign governments and official institutions.............................. (3) Other loans1 ..................................... (4) Lease financing receivables................. f. Portion of covered loans and leases included in items 12.a through 12.e above that is protected by FDIC losssharing agreements................................ 1. Includes "Obligations (other than securities and leases) of states and political subdivisions in the U.S.," "Loans to nondepository financial institutions and other loans," and loans secured by real estate in foreign offices. Memoranda Dollar Amounts in Thousands 1. Loans restructured in troubled debt restructurings included in Schedule HC-N, items 1 through 7, above (and not reported in Schedule HC-C, Memorandum item 1): a. Construction, land development, and other land loans in domestic offices: (1) 1–4 family residential construction loans .. (2) Other construction loans and all land development and other land loans ......... b. Loans secured by 1– 4 family residential properties in domestic offices.................... c. Secured by multifamily (5 or more) residential properties in domestic offices .......... d. Secured by nonfarm nonresidential properties in domestic offices: (1) Loans secured by owner-occupied nonfarm nonresidential properties ......... (2) Loans secured by other nonfarm nonresidential properties ..................... BHDM BHDM BHDM K105 0 K106 0 K107 0 M.1.a.(1) 0 M.1.a.(2) 0 M.1.b. M.1.c. K108 0 K109 0 K110 BHCK BHCK BHCK F661 0 F662 0 F663 BHDM BHDM BHDM K111 0 K112 0 K113 8658 K114 9085 K115 0 K116 77191 M.1.d.(1) K117 0 K118 0 K119 313744 M.1.d.(2) 03/2011 FR Y-9C Page 41 of 60 RSSD ID: 1631915 Schedule HC-N—Continued Memoranda–Continued (Column A) Past due 30 through 89 days and still accruing Dollar Amounts in Thousands BHCK 1. e. Commercial and industrial loans: (1) To U.S. addressees (domicile)............. K120 (2) To non-U.S. addressees (domicile)....... K123 f. All other loans (include loans to individuals for household, family, and other personal expenditures) ....................................... K126 (Column B) Past due 90 days or more and still accruing (Column C) Nonaccrual BHCK BHCK 3738 K121 1105 K124 1115 K122 0 K125 355554 483098 239187 K127 71617 K128 1211995 M.1.e.(1) M.1.e.(2) M.1.f. Itemize and describe loan categories included in item 1.f, above that exceed 10 percent of total loans restructured in troubled debt restructurings that are past due 30 days or more or in non-accrual status (sum of Memorandum items 1.a through 1.f, columns A through C): (1) Loans secured by farmland in domestic BHDM offices ............................................ K130 BHCK (2) Loans to depository institutions and acceptances of other banks ................ K134 (3) Loans to finance agricultural production and other loans to farmers .................. K138 (4) Loans to individuals for household, family, and other personal expenditures: (a) Credit cards ................................ (b) Automobile loan ........................... (c) Other consumer loans (includes single payment, installment, all student loans, and revolving credit plans other than credit cards ........... (5) Loans to foreign governments and official institutions ............................. (6) Other loans1 .................................... 2. Loans to finance commercial real estate, construction, and land development activities (not secured by real estate) included in Schedule HC-N, items 4 and 7 above........... 3. Loans and leases included in Schedule HC-N, items 1, 2, 4, 5, 6, 7, and 8 extended to non-U.S. addressees ............................ 4. Not applicable 5. Loans and leases held-for-sale and loans measured at fair value (included in Schedule HC-N, items 1 through 8 above) a. Loans and leases held for sale ................ b. Loans measured at fair value: (1) Fair value........................................ (2) Unpaid principal balance ................... BHDM BHDM 0 K131 0 K132 BHCK BHCK 0 K135 0 M.1.f.(1) 0 K136 0 M.1.f.(2) 0 K139 0 K140 0 M.1.f.(3) K274 K277 0 K275 0 K278 0 K276 0 K279 0 0 M.1.f.(4)(a) M.1.f.(4)(b) K280 0 K281 0 K282 0 M.1.f.(4)(c) K283 K286 0 K284 93238 K287 0 K285 0 K288 0 1184603 M.1.f.(5) M.1.f.(6) 6558 0 6559 0 6560 14469 M.2. 3508 2184237 1912 356907 1913 4062565 M.3. C240 0 C241 0 C226 37090 F664 F667 0 F665 0 F668 0 F666 0 F669 0 0 M.5.a. M.5.b.(1) M.5.b.(2) 1. Includes "Obligations (other than securities and leases) of states and political subdivisions in the U.S.," "Loans to nondepository financial institutions and other loans," and loans secured by real estate in foreign offices. 03/2011 RSSD ID: FR Y-9C Page 42 of 60 1631915 Schedule HC-N—Continued Memoranda–Continued Item 6 is to be reported only by holding companies with total consolidated assets of $1 billion or more, or with $2 billion or more in par/ notional amounts of off-balance-sheet derivative contracts (as reported in Schedule HC-L, items 11.a through 11.e). (Column A) Past due 30 through 89 days Dollar Amounts in Thousands BHCK 6. Derivative contracts: Fair value of amounts carried as assets ........... 3529 (Column B) Past due 90 days or more BHCK 0 3530 10801 M.6. Dollar Amounts in Thousands BHCK 7. Additions to nonaccrual assets during the quarter .............................................................. C410 8. Nonaccrual assets sold during the quarter ........................................................................ C411 (Column A) Past due 30 through 89 days and still accruing Dollar Amounts in Thousands BHCK 9. Purchased credit-impaired loans accounted for in accordance with FASB ASC 310-30 (former AICPA Statement of Position 03-3): a. Outstanding balance ................................ L183 b. Carrying amount included in Schedule HC-N, items 1 through 7, above .......................... L186 (Column B) Past due 90 days or more and still accruing 1316163 428404 M.7. M.8. (Column C) Nonaccrual BHCK BHCK 145 L184 961461 L185 1063371 M.9.a. 5 L187 55378 L188 138128 M.9.b. 06/2014 RSSD ID:1631915 FR Y-9C Page 43 of 60 Schedule HC-P—1–4 Family Residential Mortgage Banking Activities in Domestic Offices Schedule HC-P is to be completed by (1) all holding companies with $1 billion or more in total assets1 and (2) holding companies with less than $1 billion in total assets at which either 1– 4 family residential mortgage loan originations and purchases for resale2 from all sources, loan sales, or quarter-end loans held for sale or trading in domestic offices exceed $10 million for two consecutive quarters. 1. 2. 3. 4. 5. Dollar Amounts in Thousands Retail originations during the quarter of 1– 4 family residential mortgage loans for sale:2 a. Closed-end first liens.................................................................................................. b. Closed-end junior liens ............................................................................................... c. Open-end loans extended under lines of credit: (1) Total commitment under the lines of credit ................................................................ (2) Principal amount funded under the lines of credit ........................................................ Wholesale originations and purchases during the quarter of 1– 4 family residential mortgage loans for sale:2 a. Closed-end first liens.................................................................................................. b. Closed-end junior liens ............................................................................................... c. Open-end loans extended under lines of credit: (1) Total commitment under the lines of credit ................................................................ (2) Principal amount funded under the lines of credit ....................................................... 1– 4 family residential mortgages sold during the quarter: a. Closed-end first liens.................................................................................................. b. Closed-end junior liens ............................................................................................... c. Open-end loans extended under lines of credit: (1) Total commitment under the lines of credit ................................................................ (2) Principal amount funded under the lines of credit ........................................................ 1– 4 family residential mortgages held for sale or trading at quarter-end (included in Schedule HC, items 4.a and 5): a. Closed-end first liens.................................................................................................. b. Closed-end junior liens ............................................................................................... c. Open-end loans extended under lines of credit: (1) Total commitment under the lines of credit ................................................................. (2) Principal amount funded under the lines of credit ........................................................ Noninterest income for the quarter from the sale, securitization, and servicing of 1– 4 family residential mortgage loans (included in Schedule HI, items 5.c, 5.f, 5.g, and 5.i): a. Closed-end 1– 4 family residential mortgage loans ........................................................... BHCK F066 0 F067 0 1.a. 1.b. 0 0 1.c.(1) 1.c.(2) 0 2.a. 2.b. BHDM F670 F671 BHCK F068 F069 0 BHDM F672 F673 0 0 2.c.(1) 2.c.(2) 0 0 3.a. 3.b. 0 0 3.c.(1) 3.c.(2) BHCK F070 F071 BHDM F674 F675 BHCK F072 F073 358 0 4.a. 4.b. BHDM F676 F677 0 0 4.c.(1) 4.c.(2) 0 5.a. F560 0 5.b. F678 0 0 6.a. 6.b. 0 0 6.c.(1) 6.c.(2) BHCK F184 BHDM b. Open-end 1– 4 family residential mortgage loans extended under lines of credit ..................... 6. Repurchases and indemnifications of 1– 4 family residential mortgage loans during the quarter: a. Closed-end first liens.................................................................................................. b. Closed-end junior liens ............................................................................................... c. Open-end loans extended under lines of credit: (1) Total commitment under the lines of credit ................................................................. (2) Principal amount funded under the lines of credit ........................................................ 7. Representation and warranty reserves for 1– 4 family residential mortgage loans sold: a. For representations and warranties made to U.S. government agencies and governmentsponsored agencies.................................................................................................... b. For representations and warranties made to other parties................................................... c. Total representation and warranty reserves (sum of items 7.a and 7.b) .................................. F679 F680 F681 BHCK L191 L192 M288 809000 7.a. 7.b. 7.c. 1. The $1 billion asset size test is generally based on the total assets reported as of June 30, 2013. 2. Exclude originations and purchases of 1– 4 family residential mortgage loans that are held for investment. 03/2014 RSSD ID: FR Y-9C Page 44 of 60 1631915 Schedule HC-Q—Assets and Liabilities Measured at Fair Value on a Recurring Basis Schedule HC-Q is to be completed by all holding companies. (Column A) Total Fair Value Reported on Schedule HC Dollar Amounts in Thousands BHCY (Column B) LESS: Amounts Netted in the Determination of Total Fair Value (Column C) Level 1 Fair Value Measurements (Column D) Level 2 Fair Value Measurements (Column E) Level 3 Fair Value Measurements BHCK BHCK BHCK BHCK 79608979 G474 0 G475 1471167 G476 65648659 G477 12489153 1. 0 G479 47557 G484 0 G489 0 G480 0 G485 0 G481 0 G486 0 G482 0 G487 0 47557 0 G490 0 G491 0 G492 0 2. 3. 4. 173726 G493 28457 G494 0 G495 102834 G496 99349 5.a. G497 0 G498 0 G499 0 G500 0 G501 0 5.b. F240 G391 0 F684 1654606 G392 0 F692 7371266 G395 0 F241 0 G396 0 F242 8983549 G804 0 42323 G502 81484868 G503 7399723 G504 1471167 G505 74735042 G506 12678382 7. 0 F686 0 F694 0 F253 0 F254 0 8. 0 G508 0 G509 0 G510 0 G511 0 9. 56978 G512 59497 G513 0 G514 104657 G515 11818 10.a. 0 G517 0 G522 0 G527 0 G519 0 G520 0 G524 0 G529 0 G808 0 G525 0 G530 4215503 G809 0 0 0 3223 10.b. 11. 12. 13. 0 G534 4320160 G535 15041 Assets 1. Available-for-sale securities ........................ 1773 BHCK 2. Federal funds sold and securities purchased under agreements to resell .......... G478 3. Loans and leases held for sale .................... G483 4. Loans and leases held for investment ........... G488 BHCT 5. Trading assets: 3543 a. Derivative assets ..................................... BHCK b. Other trading assets ............................. (1) Nontrading securities at fair value with changes in fair value reported in current earnings (included in Schedule HC-Q, item 5.b, above) ....... 6. All other assets ........................................ 7. Total assets measured at fair value on a recurring basis ......................................... Liabilities 8. Deposits ................................................ F252 9. Federal funds purchased and securities sold under agreements to repurchase ........... G507 BHCT 10. Trading liabilities: a. Derivative liabilities ............................... 3547 5.b.(1) 6. BHCK 11. 12. 13. 14. b. Other trading liabilities........................... Other borrowed money .............................. Subordinated notes and debentures ............. All other liabilities...................................... Total liabilities measured at fair value on a recurring basis ......................................... G516 G521 G526 G805 69986 G806 0 G518 0 G523 0 G528 4148740 G807 G531 126964 G532 4208237 G533 14. 03/2013 RSSD ID: FR Y-9C Page 45 of 60 1631915 Schedule HC-Q—Continued Memoranda (Column A) Total Fair Value Reported on Schedule HC Dollar Amounts in Thousands 1. All other assets (itemize and describe amounts included in Schedule HC-Q, item 6 that are greater than $25,000 and exceed 25 percent of item 6): a. Mortgage servicing assets ....................... b. Nontrading derivative assets .................... BHTX c. G546 BHTX d. G551 BHTX e. G556 BHTX f. G561 2. All other liabilities (itemize and describe amounts included in Schedule HC-Q, item 13 that are greater than $25,000 and exceed 25 percent of item 13): a. Loan commitments (not accounted for as derivatives)............. b. Nontrading derivative liabilities ................. BHTX c. G571 DEFERRED COMPENSATION AGREEMENTS BHTX d. G576 BHTX e. G581 BHTX f. G586 (Column B) LESS: Amounts Netted in the Determination of Total Fair Value (Column C) Level 1 Fair Value Measurements (Column D) Level 2 Fair Value Measurements (Column E) Level 3 Fair Value Measurements BHCK BHCK BHCK BHCK BHCK G536 G541 G546 0 G537 1623049 G542 0 G547 0 G539 0 G544 0 G549 0 G540 8961159 G545 0 G550 0 33156 0 G551 G556 G561 0 G552 0 G557 0 G562 0 G538 7371266 G543 0 G548 0 G553 0 G558 0 G563 0 G554 0 G559 0 G564 0 G555 0 G560 0 G565 0 0 F261 G566 G571 G576 G581 G586 0 F689 47896 G567 22090 G572 0 G577 0 G582 0 G587 0 F697 4148740 G568 0 G573 0 G578 0 G583 0 G588 0 F262 0 G569 0 G574 0 G579 0 G584 0 G589 0 F263 4193413 G570 22090 G575 0 G580 0 G585 0 G590 0 3223 0 0 0 0 0 M.1.a. M.1.b. M.1.c. M.1.d. M.1.e. M.1.f. M.2.a. M.2.b. M.2.c. M.2.d. M.2.e. M.2.f. 06/2009 FR Y-9C Page 46 of 60 For Federal Reserve Bank Use Only Schedule HC-R—Regulatory Capital C.I. RSSD ID: 1631915 Part I.A. Regulatory Capital Components and Ratios This schedule is to be submitted on a consolidated basis. Dollar Amounts in Thousands Tier 1 Capital 1. Total bank holding company equity capital (from Schedule HC, item 27.a) .................................. 2. LESS: Net unrealized gains (losses) on available-for-sale securities1 (if a gain, report as a positive value; if a loss, report as a negative value)................................................................ 3. LESS: Net unrealized loss on available-for-sale equity securities1 (report loss as a positive value) 4. LESS: Accumulated net gains (losses) on cash flow hedges1 and amounts recorded in AOCI resulting from the initial and subsequent application of FASB ASC 715-20 (former FASB statement No. 158) to defined benefit postretirement plans (if a gain, report as a positive value; if a loss, report as a negative value) ............................................................................................. 5. LESS: Nonqualifying perpetual preferred stock ..................................................................... 6. a. Qualifying Class A noncontrolling (minority) interests in consolidated subsidiaries .................... b. Qualifying restricted core capital elements (other than cumulative perpetual preferred stock)2 .... c. Qualifying mandatory convertible preferred securities of internationally active bank holding companies ................................................................................................................ 7. a. LESS: Disallowed goodwill and other disallowed intangible assets ........................................ b. LESS: Cumulative change in fair value of all financial liabilities accounted for under a fair value option that is included in retained earnings and is attributable to changes in the bank holding company's own creditworthiness (If a net gain, report as a positive value; If a net loss, report as a negative value.)........................................................................................... 8. Subtotal (sum of items 1, 6.a., 6.b., and 6.c., less items 2, 3, 4, 5, 7.a, and 7.b) ........................... 9. a. LESS: Disallowed servicing assets and purchased credit card relationships............................ b. LESS: Disallowed deferred tax assets............................................................................. 10. Other additions to (deductions from) Tier 1 capital ................................................................. 11. Tier 1 capital (sum of items 8 and 10, less items 9.a and 9.b)................................................... BHCX 3210 1. BHCK 8434 A221 4336 2. 3. G214 G215 4. 5. 6.a. 6.b. G216 B590 6.c. 7.a. F264 C227 B591 5610 B592 8274 7.b. 8. 9.a. 9.b. 10. 11. G217 12. G218 5311 8275 13. 14. 15. 16. 17. 18. 19. Not applicable 20. LESS: Deductions for total risk-based capital ....................................................................... B595 21. Total risk-based capital (sum of items 11 and 18, less item 20) ................................................. 3792 20. 21. Total Assets for Leverage Ratio 22. Average total assets (from Schedule HC-K, item 5)................................................................ 23. LESS: Disallowed goodwill and other disallowed intangible assets (from item 7.a above) .............. 24. LESS: Disallowed servicing assets and purchased credit card relationships (from item 9.a above) 25. LESS: Disallowed deferred tax assets (from item 9.b above) ................................................... 22. 23. 24. 25. Tier 2 Capital 12. Qualifying subordinated debt, redeemable preferred stock, and restricted core capital elements2 (except Class B noncontrolling (minority) interest) not includible in items 6.b. or 6.c. ..................... 13. Cumulative perpetual preferred stock included in item 5 and Class B noncontrolling (minority) interest not included in 6.b., but includible in Tier 2 capital ....................................................... 14. Allowance for loan and lease losses includible in Tier 2 capital ................................................. 15. Unrealized gains on available-for-sale equity securities includible in Tier 2 capital ........................ 16. Other Tier 2 capital components......................................................................................... 17. Tier 2 capital (sum of items 12 through 16)........................................................................... 18. Allowable Tier 2 capital (lesser of item 11 or 17) .................................................................... B588 5310 2221 B594 BHCT 3368 B590 B591 5610 BHCK 26. LESS: Other deductions from assets for leverage capital purposes ........................................... B596 27. Average total assets for leverage capital purposes (item 22 less items 23 through 26) .................. A224 28.-30. Not applicable 1. Report amount included in Schedule HC, item 26.b, "Accumulated other comprehensive income (AOCI)." 2. Includes subordinated notes payable to unconsolidated trusts issuing trust preferred securities net of the bank holding company's investment in the trust, trust preferred securities issued by consolidated special purpose entities, and Class B and Class C noncontrolling (minority) interests that qualify as Tier 1 capital. 26. 27. 03/2014 RSSD ID: 1631915 FR Y-9C Page 47 of 60 Schedule HC-R—Continued Part I.A.—Continued BHCK Percentage Capital Ratios 31. Tier 1 leverage ratio (item 11 divided by item 27)................................................................... 7204 32. Tier 1 risk-based capital ratio (item 11 divided by item 62) ....................................................... 7206 33. Total risk-based capital ratio (item 21 divided by item 62) ........................................................ 7205 . . . 31. 32. 33. Part I.B. Regulatory Capital Components and Ratios Advanced approaches holding companies (except savings and loan holding companies (SLHCs)) must complete this Schedule HC-R, Part I.B, starting on March 31, 2014. Starting on March 31, 2015, all other holding companies must complete Part I.B. On that date, Schedule HC-R, Part I.A, will be removed and Part I.B will be designated Part I. Part I.B. is to be submitted on a consolidated basis. Dollar Amounts in Thousands BHCA Common Equity Tier 1 Capital 1. Common stock plus related surplus, net of treasury stock and unearned employee stock ownership plan (ESOP) shares ......................................................................................... P742 1. BHCT 2. Retained earnings .......................................................................................................... 3247 2. BHCA 3. Accumulated other comprehensive income (AOCI)................................................................ B530 a. AOCI opt-out election (enter "1" for Yes; enter "0" for No.) (Advanced approaches institutions must enter "0" for No.) .................................................. 3. 0=No BHCA 1=Yes P838 3.a. BHCA 4. Common equity tier 1 minority interest includable in common equity tier 1 capital ........................ P839 5. Common equity tier 1 capital before adjustments and deductions (sum of items 1 through 4) ......... P840 Common Equity Tier 1 Capital: Adjustments and Deductions 6. LESS: Goodwill net of associated deferred tax liabilities (DTLs) ............................................... 7. LESS: Intangible assets (other than goodwill and mortgage servicing assets (MSAs)), net of associated DTLs ............................................................................................................ 8. LESS: Deferred tax assets (DTAs) that arise from net operating loss and tax credit carryforwards, net of any related valuation allowances and net of DTLs ........................................................ 9. AOCI-related adjustments (items 9.a. through 9.e. are effective January 1, 2015) (if entered “1” for Yes in item 3.a, complete only items 9.a through 9.e; if entered “0” for No in item 3.a, complete only item 9.f): a. LESS: Net unrealized gains (losses) on available-for-sale securities (if a gain, report as a positive value; if a loss, report as a negative value) .............................. b. LESS: Net unrealized loss on available-for-sale preferred stock classified as an equity security under GAAP and available-for-sale equity exposures (report loss as a positive value) .............. c. LESS: Accumulated net gains (losses) on cash flow hedges (if a gain, report as a positive value; if a loss, report as a negative value) ................................ d. LESS: Amounts recorded in AOCI attributed to defined benefit postretirement plans resulting from the initial and subsequent application of the relevant GAAP standards that pertain to such plans (if a gain, report as a positive value; if a loss, report as a negative value) ....................... e. LESS: Net unrealized gains (losses) on held-to-maturity securities that are included in AOCI (if a gain, report as a positive value; if a loss, report as a negative value) ............................... f. To be completed only by holding companies that entered “0” for No in item 3.a: LESS: Accumulated net gain (loss) on cash flow hedges included in AOCI, net of applicable income taxes, that relate to the hedging of items that are not recognized at fair value on the balance sheet (if a gain, report as a positive value; if a loss, report as a negative value) .............. 4. 5. P841 6. P842 7. P843 8. 9.a. 9.b. 9.c. 9.d. 9.e. P849 9.f. 03/2014 RSSD ID: 1631915 FR Y-9C Page 48 of 60 Schedule HC-R—Continued Part I.B.—Continued Dollar Amounts in Thousands 10. Other deductions from (additions to) common equity tier 1 capital before threshold-based deductions: a. LESS: Unrealized net gain (loss) related to changes in the fair value of liabilities that are due to changes in own credit risk (if a gain, report as a positive value; if a loss, report as a negative value)........................................................................................................... b. LESS: All other deductions from (additions to) common equity tier 1 capital before threshold-based deductions ................................................................................ 11. LESS: Non-significant investments in the capital of unconsolidated financial institutions in the form of common stock that exceed the 10 percent threshold for non-significant investments ................. 12. Subtotal (item 5 minus items 6 through 11) .......................................................................... 13. LESS: Significant investments in the capital of unconsolidated financial institutions in the form of common stock, net of associated DTLs, that exceed the 10 percent common equity tier 1 capital deduction threshold......................................................................................................... 14. LESS: MSAs, net of associated DTLs, that exceed the 10 percent common equity tier 1 capital deduction threshold......................................................................................................... 15. LESS: DTAs arising from temporary differences that could not be realized through net operating loss carrybacks, net of related valuation allowances and net of DTLs, that exceed the 10 percent common equity tier 1 capital deduction threshold .................................................................. 16. LESS: Amount of significant investments in the capital of unconsolidated financial institutions in the form of common stock, net of associated DTLs; MSAs, net of associated DTLs; and DTAs arising from temporary differences that could not be realized through net operating loss carrybacks, net of related valuation allowances and net of DTLs; that exceeds the 15 percent common equity tier 1 capital deduction threshold ........................................................................................ 17. LESS: Deductions applied to common equity tier 1 capital due to insufficient amounts of additional tier 1 capital and tier 2 capital to cover deductions.................................................................. 18. Total adjustments and deductions for common equity tier 1 capital (sum of items 13 through 17) .... 19. Common equity tier 1 capital (item 12 minus item 18) ......................................................... Additional Tier 1 Capital 20. Additional tier 1 capital instruments plus related surplus ......................................................... 21. Non-qualifying capital instruments subject to phase out from additional tier 1 capital .................... 22. Tier 1 minority interest not included in common equity tier 1 capital........................................... 23. Additional tier 1 capital before deductions (sum of items 20, 21, and 22) .................................... 24. LESS: Additional tier 1 capital deductions ............................................................................ 25. Additional tier 1 capital (greater of item 23 minus item 24, or zero) ......................................... BHCA Q258 10.a. P850 10.b. P851 P852 11. 12. P853 13. P854 14. P855 15. P856 16. P857 P858 17. 18. 19. P859 P860 P861 P864 P865 20. 21. 22. 23. 24. 25. Tier 1 Capital 26. Tier 1 capital (sum of items 19 and 25) .............................................................................. 8274 26. Tier 2 Capital 27. Tier 2 capital instruments plus related surplus ...................................................................... 28. Non-qualifying capital instruments subject to phase out from tier 2 capital .................................. 29. Total capital minority interest that is not included in tier 1 capital ............................................... 30. a. Allowance for loan and lease losses includable in tier 2 capital ............................................ b. (Advanced approaches holding companies that exit parallel run only): Eligible credit reserves includable in tier 2 capital ............................................................................................. 31. Unrealized gains on available-for-sale preferred stock classified as an equity security under GAAP and available-for-sale equity exposures includable in tier 2 capital ............................................. P862 P863 P866 P867 P868 5310 27. 28. 29. 30.a. BHCW 5310 30.b. BHCA Q257 32. a. Tier 2 capital before deductions (sum of items 27 through 30.a, plus item 31) ......................... P870 BHCW b. (Advanced approaches holding companies that exit parallel run only): Tier 2 capital before deductions (sum of items 27 through 29, plus items 30.b and 31) ......................................... P870 31. 32.a. 32.b. BHCA 33. LESS: Tier 2 capital deductions ......................................................................................... P872 33. 03/2014 RSSD ID: FR Y-9C Page 49 of 60 1631915 Schedule HC-R—Continued Part I.B.—Continued Dollar Amounts in Thousands BHCA 34. a. Tier 2 capital (greater of item 32.a minus item 33, or zero) .................................................. 5311 BHCW b. (Advanced approaches holding companies that exit parallel run only): Tier 2 capital (greater of item 32.b minus item 33, or zero)...................................................................... 5311 34.a. 34.b. BHCA Total Capital 35. a. Total capital (sum of items 26 and 34.a) .......................................................................... 3792 b. (Advanced approaches holding companies that exit parallel run only): Total capital BHCW (sum of items 26 and 34.b) ............................................................................................. 3792 35.a. 35.b. BHCX Total Assets for the Leverage Ratio 36. Average total consolidated assets ....................................................................................... 3368 37. LESS: Deductions from common equity tier 1 capital and additional tier 1 capital BHCA (sum of items 6, 7, 8, 10.b, 11, 13 through 17, and certain elements of item 24 - see instructions) ... P875 37. 38. LESS: Other deductions from (additions to) assets for leverage ratio purposes ............................ B596 39. Total assets for the leverage ratio (item 36 minus items 37 and 38) ........................................ A224 38. 39. 36. Total Risk-Weighted Assets 40. a. Total risk-weighted assets (from Schedule HC-R, Part II item 62) ....................................... A223 b. (Advanced approaches holding companies that exit parallel run only): Total risk-weighted assets BHCW using advanced approaches rule (from FFIEC 101 Schedule A, item 60) ................................ A223 Column A 40.a. 40.b. Column B BHCA Percentage BHCW Percentage Risk-Based Capital Ratios 41. Common equity tier 1 capital ratio (Column A: item 19 divided by item 40.a) (Advanced approaches holding companies that exit parallel run only: Column B: item 19 divided by item 40.b)....................................................................................................... P793 42. Tier 1 capital ratio (Column A: item 26 divided by item 40.a) (Advanced approaches holding companies that exit parallel run only: Column B: item 26 divided by item 40.b) .... 7206 43. Total capital ratio (Column A: item 35.a divided by item 40.a) (Advanced approaches holding companies that exit parallel run only: Column B: item 35.b divided by item 40.b)... 7205 . P793 . 41. . 7206 . 42. . 7205 . 43. BHCA Leverage Capital Ratios 44. Tier 1 leverage ratio (item 26 divided by item 39) ................................................................... 7204 45. Advanced approaches holding companies only: Supplementary leverage ratio (from FFIEC 101 Schedule A, item 98) (effective January 1, 2015)............................................. BHCA Capital Buffer 46. Institution-specific capital buffer necessary to avoid limitations on distributions and discretionary bonus payments (effective January 1, 2016): a. Capital conservation buffer ............................................................................................ b. (Advanced approaches holding companies that exit parallel run only): Total applicable capital buffer............................................................................................................... Dollar Amounts in Thousands Effective January 1, 2016: Institutions must complete items 47 and 48 if the amount in item 46.a (or the lower of 46.a or 46.b for an advanced approaches holding company that has exited parallel run) is less than or equal to the applicable minimum capital conservation buffer: 47. Eligible retained income .................................................................................................... 48. Distributions and discretionary bonus payments during the quarter ............................................ Percentage . 44. . 45. Percentage . 46.a. . 46.b. BHCA 47. 48. 06/2014 FR Y-9C Page 50 of 60 RSSD ID: 1631915 Schedule HC-R—Continued Part II. Risk-Weighted Assets This schedule is to be submitted on a consolidated basis. Bank holding companies are not required to risk-weight each on-balance-sheet asset and the credit equivalent amount of each off-balance-sheet item that qualifies for a risk weight of less than 100 percent (50 percent for derivatives) at its lower risk weight. When completing items 34 through 54 of Schedule HC-R, each bank holding company should decide for itself how detailed a risk-weight analysis it wishes to perform. In other words, a bank holding company can choose from among its assets and off-balancesheet items that have a risk weight of less than 100 percent which ones to risk-weight at an appropriate lower risk weight, or it can simply risk-weight some or all of these items at a 100 percent risk weight (50 percent for derivatives). C000 (Column A) Totals (from Schedule HC) Dollar Amounts in Thousands Balance Sheet Asset Categories 34. Cash and due from depository institutions (Column A equals the sum of Schedule HC, items 1.a, 1.b.(1) and 1.b.(2)) ........ (Column B) Items Not Subject to Risk-Weighting (Column C) BHCE BHC0 0% (Column D) (Column E) Allocation by Risk-Weight Category 20% 50% BHC2 BHC5 ◄ (Column F) 100% BHC9 BHCK 0010 34. BHCX 1754 35. Held-to-maturity securities ............................................... 35. BHCX 1773 36. Available-for-sale securities ............................................. 37. Federal funds sold and securities purchased under agreements to resell....................................................... 36. BHCK C225 37. BHCT 5369 38. Loans and leases held for sale ......................................... 38. BHCT B528 39. Loans and leases, net of unearned income ......................... 39. BHCX 3123 40. LESS: Allowance for loan and lease losses ......................... 40. BHCX 3545 41. Trading assets .............................................................. 41. BHCK B639 42. All other assets1 ............................................................ 42. BHCT 2170 43. Total assets (sum of items 34 through 42)........................... 43. 1. Includes premises and fixed assets, other real estate owned, investments in unconsolidated subsidiaries and associated companies, direct and indirect investments in real estate ventures, intangible assets, and other assets. 03/2014 FR Y-9C Page 51 of 60 RSSD ID: 1631915 Schedule HC-R—Continued Part II—Continued (Column A) Face Value or Notional Amount Dollar Amounts in Thousands Derivatives and Off-Balance-Sheet Items 44. Financial standby letters of credit ............ Credit Conversion Factor BHCK B546 1.00 or 12.5 (Column B) Credit Equivalent Amount1 (Column C) BHCE BHC0 0% (Column D) (Column E) Allocation by Risk-Weight Category 20% 50% BHC2 BHC5 (Column F) 100% BHC9 2 44. BHCT 6570 45. Performance standby letters of credit....... .50 45. .20 46. 1.00 47. 1.00 48. 1.00 49. 12.53 50. 1.00 51. 1.00 52. .50 53.a. BHCT 3411 46. Commercial and similar letters of credit .... 47. Risk participations in bankers acceptances acquired by the reporting institution ......... BHCK 3429 BHCT 3433 48. Securities lent ..................................... 49. Retained recourse on small business obligations sold with recourse ................ 50. Recourse and direct credit substitutes (other than financial standby letters of credit) subject to the low-level exposure rule and residual interests subject to a dollar-for-dollar capital requirement ......... BHCT A250 BHCK B541 BHCK B675 51. All other financial assets sold with recourse .. BHCK B681 52. All other off-balance-sheet liabilities......... 53. Unused commitments: a. With an original maturity exceeding one year .............................................. b. With an original maturity of one year or less to asset-backed commercial paper conduits......................................... BHCK 6572 BHCK G591 .10 53.b. BHCE A167 54. Derivative contracts ............................. 54. 1. Column A multiplied by credit conversion factor. 2. For financial standby letters of credit to which the low-level exposure rule applies, use a credit conversion factor of 12.5 or an-institution specific factor. For other financial standby letters of credit, use a credit conversion factor of 1.00. See instructions for further information. 3. Or institution-specific factor. 03/2014 FR Y-9C Page 52 of 60 RSSD ID: 1631915 Schedule HC-R—Continued Part II—Continued (Column C) (Column D) (Column E) (Column F) Allocation by Risk-Weight Category 0% 20% 50% 100% BHCK B696 BHCK B697 BHCK B698 BHCK B699 × 0% × 20% × 50% × 100% BHCK B700 BHCK B701 BHCK B702 BHCK B703 Dollar Amounts in Thousands Totals 55. Total assets, derivatives, and off-balance-sheet items by risk-weight category (for each column, sum of items 43 through 54) .................................................................... 56. Risk-weight factor .......................................................................................................... 55. 56. 57. 57. Risk-weighted assets by risk-weight category (for each column, item 55 multiplied by item 56) ...... BHCK 1651 58. Market risk equivalent assets ........................................................................................... 59. Risk-weighted assets before deductions for excess allowance for loan and lease losses and allocated transfer risk reserve (sum of item 57, columns C through F, and item 58) ..................... 58. BHCK B704 59. BHCK A222 60. 60. LESS: Excess allowance for loan and lease losses .............................................................. BHCK 3128 61. 61. LESS: Allocated transfer risk reserve ................................................................................. BHCK A223 62. Total risk-weighted assets (item 59 minus items 60 and 61).................................................... 62. 03/2014 RSSD ID: 1631915 FR Y-9C Page 53 of 60 Schedule HC-R—Continued Part II—Continued Memoranda Dollar Amounts in Thousands BHCK 1. Current credit exposure across all derivative contracts covered by the risk-based capital standards ....................................................... 8764 M.1. With a remaining maturity of (Column A) One year or less Dollar Amounts in Thousands 2. Notional principal amounts of derivative contracts:1 a. Interest rate contracts ...................................................................... b. Foreign exchange contracts ............................................................... c. Gold contracts ................................................................................ d. Other precious metals contracts.......................................................... e. Other commodity contracts ................................................................ f. Equity derivative contracts ................................................................ g. Credit derivative contracts: Purchased credit protection that (a) is a covered position under the market risk rule or (b) is not a covered position under the market risk rule and is not recognized as a guarantee for risk-based capital purposes: (1) Investment grade ....................................................................... (2) Subinvestment grade .................................................................. (Column B) Over one year through five years (Column C) Over five years BHCK BHCK BHCK 3809 3812 8766 8769 8767 8770 8771 8774 8777 8772 8775 8778 8773 8776 8779 A000 A001 A002 G597 G598 G599 G600 G601 G602 Dollar Amounts in Thousands 3. Preferred stock (including related surplus) eligible for inclusion in Tier 1 capital: a. Noncumulative perpetual preferred stock (included and reported in "Total equity capital," on Schedule HC) .......................................... b. Not applicable. c. Other noncumulative preferred stock eligible for inclusion in Tier 1 capital (e.g., REIT preferred securities) (included in Schedule HC, item 27.b) ...................................................................................................................................... d. Other cumulative preferred stock eligible for inclusion in Tier 1 capital (excluding trust preferred securities) (included in Schedule HC, item 20 or 27.b) ............................................................................................................................. 4. Offsetting debit to the liability (i.e., the contra account) for Employee Stock Ownership Plan (ESOP) debt guaranteed by the reporting bank holding company (included in Schedule HC, item 26.c) .................................................................................................................. 5. Treasury stock (including offsetting debit to the liability for ESOP debt) (included in Schedule HC, item 26.c): a. In the form of perpetual preferred stock .................................................................................................................................. b. In the form of common stock ............................................................................................................................................... M.2.a. M.2.b. M.2.c. M.2.d. M.2.e. M.2.f. M.2.g.(1) M.2.g.(2) BHCK 5479 M.3.a. C498 M.3.c. A507 M.3.d. 2771 M.4. 5483 5484 M.5.a. M.5.b. 1. Exclude foreign exchange contracts with an original maturity of 14 days or less and all future contracts. 03/2014 RSSD ID: 1631915 FR Y-9C Page 54 of 60 Schedule HC-R—Continued Part II—Continued Memoranda—Continued 6. 7. 8. 9. Dollar Amounts in Thousands Market risk equivalent assets attributable to specific risk (included in Schedule HC-R, Part II, item 58) ........................................................ Not applicable Restricted core capital elements included in Tier 1 capital: a. Qualifying Class B noncontrolling (minority) interest (included in Schedule HC, item 27.b) ................................................................... b. Qualifying Class C noncontrolling (minority) interest (included in Schedule HC, item 27.b) .................................................................. c. Qualifying cumulative perpetual preferred stock (included in Schedule HC, item 27.a) ........................................................................ d. Qualifying trust preferred securities2 (included in Schedule HC, item 19.b) ....................................................................................... Goodwill net of any associated deferred tax liability ........................................................................................................................... BHCK F031 M.6. G219 M.8.a M.8.b. M.8.c. M.8.d. M.9. G220 5990 C502 G221 BHCK 10. Ratio of qualifying restricted core capital elements to total core capital elements less (goodwill net of any associated deferred tax liability) ......... G222 Percentage . M.10. 2. Includes subordinated notes payable to unconsolidated trusts issuing trust preferred securities net of the bank holding company's investment in the trust, and trust preferred securities issued by consolidated special purpose entities, that qualify as Tier 1 capital. 03/2014 FR Y-9C Page 55 of 60 For Federal Reserve Bank Use Only RSSD ID: C.I. 1631915 Schedule HC-S—Servicing, Securitization, and Asset Sale Activities ◄ C000 (Column A) 1– 4 Family Residential Loans Dollar Amounts in Thousands Securitization Activities 1. Outstanding principal balance of assets sold and securitized with servicing retained or with recourse or other seller-provided credit enhancements.............................. 2. Maximum amount of credit exposure arising from recourse or other sellerprovided credit enhancements provided to structures reported in item 1 in the form of: a. Credit enhancing interest-only strips (included in HC-B, HC-D, or HC-F) ....... b. Subordinated securities and other residual interests ............................... c. Standby letters of credit and other enhancements .................................. 3. Reporting institution's unused commitments to provide liquidity to structures reported in item 1 ................................................. 4. Past due loan amounts included in item 1: a. 30-89 days past due .......................... (Column B) Home Equity Lines BHCK B705 BHCK B706 0 BHCK B712 BHCK B713 BHCK C393 0 BHCK B726 0 BHCK B741 0 BHCK B747 BHCK B748 BHCK B754 b. Recoveries ...................................... BHCK B749 0 BHCK B755 0 BHCK B750 0 0 2.c. 0 3. 71 4.a. 0 4.b. 0 5.a. 0 5.b. BHCK B753 0 BHCK B759 0 0 BHCK B746 BHCK B752 BHCK B758 0 0 0 2.b. BHCK B739 BHCK B745 BHCK B751 0 BHCK B732 70599 0 2.a. BHCK C406 0 0 0 BHCK B757 0 BHCK B738 BHCK B744 0 0 BHCK B756 0 0 0 BHCK C399 BHCK B731 0 1. BHCK B718 BHCK C405 BHCK B737 60131 0 0 0 0 BHCK B711 232615 BHCK C398 BHCK B730 BHCK B743 BHCK B710 0 0 0 (Column G) All Other Loans, All Leases, and All Other Assets BHCK B717 BHCK C404 BHCK B736 BHCK B742 0 0 0 0 (Column F) Commercial and Industrial Loans 0 BHCK C397 BHCK B729 BHCK B735 0 0 BHCK B716 BHCK C403 0 0 BHCK B734 BHCK B740 0 BHCK B728 0 0 BHCK C396 BHCK C402 BHCK B727 BHCK B733 BHCK B715 BHCK C395 0 BHCK B709 0 0 0 0 a. Charge-offs...................................... BHCK B714 BHCK C401 (Column E) Other Consumer Loans BHCK B708 0 0 BHCK C394 BHCK C400 (Column D) Auto Loans BHCK B707 0 0 b. 90 days or more past due ................... 5. Charge-offs and recoveries on assets sold and securitized with servicing retained or with recourse or other seller-provided credit enhancements (calendar year-to-date): (Column C) Credit Card Receivables BHCK B760 92 03/2006 Schedule HC-S—Continued RSSD ID: 1631915 (Column A) 1–4 Family Residential Loans (Column B) Home Equity Lines Dollar Amounts in Thousands 6. Amount of ownership (or seller's) interests carried as: a. Securities (included in HC-B) ............ BHCK B761 BHCK B500 Asset Sales 11. Assets sold with recourse or other sellerprovided credit enhancements and not securitized ......................................... 12. Maximum amount of credit exposure arising from recourse or other sellerprovided credit enhancements provided to assets reported in item 11 ..................... BHCK B783 BHCK B778 BHCK B784 0 BHCK B790 BHCK B785 BHCK B791 0 BHCK B797 BHCK B786 BHCK B792 7.b. 0 8.a. 0 8.b. BHCK B787 BHCK B793 BHCK B788 BHCK B794 BHCK B795 9. 0 10. 0 11. 0 12. BHCK B796 0 BHCK B802 0 0 BHCK B789 0 0 BHCK B801 0 BHCK B782 0 0 0 BHCK B800 0 BHCK B781 0 0 0 BHCK B799 0 BHCK B780 0 0 0 BHCK B798 0 BHCK B779 0 0 0 BHCK B775 0 0 7.a. BHCK B772 0 0 0 BHCK B769 BHCK B774 BHCK B777 6.b. BHCK B766 BHCK B771 0 0 181401 0 0 BHCK B773 6.a. 0 BHCK B768 BHCK B770 0 BHCK B502 BHCK B765 BHCK B767 (Column G) All Other Loans, All Leases, and All Other Assets BHCK B763 0 0 BHCK B776 (Column F) Commercial and Industrial Loans BHCK B501 BHCK B764 b. Recoveries.................................... (Column E) Other Consumer Loans 0 0 b. 90 days or more past due................. 8. Charge-offs and recoveries on loan amounts included in interests reported in item 6.a (calendar year-to-date): a. Charge-offs ................................... (Column D) Auto Loans BHCK B762 0 b. Loans (included in HC-C) ................. 7. Past due loan amounts included in interests reported in item 6.a: a. 30-89 days past due........................ For Securitization Facilities Sponsored By or Otherwise Established By Other Institutions 9. Maximum amount of credit exposure arising from credit enhancements provided by the reporting institution to other institutions' securitization structures in the form of standby letters of credit, purchased subordinated securities, and other enhancements ............................ 10. Reporting institution's unused commitments to provide liquidity to other institutions' securitization structures ........ (Column C) Credit Card Receivables FR Y-9C Page 56 of 60 BHCK B803 0 03/2006 FR Y-9C Page 57 of 60 RSSD ID: 1631915 Schedule HC-S—Continued Memoranda 1. 2. 3. 4. Dollar Amounts in Thousands BHCK Small business obligations transferred with recourse under Section 208 of the Riegle Community Development and Regulatory Improvement Act of 1994: a. Outstanding principal balance............................................................................................................................................... A249 b. Amount of retained recourse on these obligations as of the report date ......................................................................................... A250 Outstanding principal balance of assets serviced for others (includes participations serviced for others): a. 1– 4 family residential mortgages serviced with recourse or other servicer-provided credit enhancements ............................................ B804 b. 1– 4 family residential mortgages serviced with no recourse or other servicer-provided credit enhancements ........................................ B805 c. Other financial assets1 ........................................................................................................................................................ A591 d. 1– 4 family residential mortgages serviced for others that are in process of foreclosure at quarter-end (includes closed-end and open-end loans) ................................................................................................................................................................ F699 Asset-backed commercial paper conduits: a. Maximum amount of credit exposure arising from credit enhancements provided to conduit structures in the form of standby letters of credit, subordinated securities, and other enhancements: (1) Conduits sponsored by the bank, a bank affiliate, or the holding company ................................................................................ B806 (2) Conduits sponsored by other unrelated institutions .............................................................................................................. B807 b. Unused commitments to provide liquidity to conduit structures: (1) Conduits sponsored by the bank, a bank affiliate, or the holding company ................................................................................. B808 (2) Conduits sponsored by other unrelated institutions ............................................................................................................... B809 Outstanding credit card fees and finance charges (included in Schedule HC-S, item 1, column C)2 .......................................................... C407 0 M.1.a. M.1.b. 0 0 53171414 M.2.a. M.2.b. M.2.c. 0 M.2.d. 0 0 M.3.a.(1) M.3.a.(2) 0 M.3.b.(1) M.3.b.(2) M.4. 0 0 0 1. Memorandum item 2.c is to be completed if the principal balance of other financial assets serviced for others is more than $10 million. 2. Memorandum item 4 is to be completed by (1) holding companies that, together with affiliated institutions, have outstanding credit card receivables (as defined in the instructions) that exceed $500 million as of the report date or (2) holding companies that on a consolidated basis are credit card specialty holding companies (as defined in the instructions). 03/2013 RSSD ID: FR Y-9C Page 58of 60 1631915 Schedule HC-V—Variable Interest Entities (Column A) Securitization Vehicles Dollar Amounts in Thousands 1. Assets of consolidated variable interest entities (VIEs) that can be used only to settle obligations of consolidated VIEs: a. Cash and balances due from depository institutions b. Held-to-maturity securities ................................ c. Available-for-sale securities .............................. d. Securities purchased under agreements to resell... e. Loans and leases held for sale .......................... f. Loans and leases, net of unearned income .......... g. Less: Allowance for loan and lease losses............ h. Trading assets (other than derivatives) ................ i. Derivative trading assets .................................. j. Other real estate owned ................................... k. Other assets .................................................. 2. Liabilities of consolidated VIEs for which creditors do not have recourse to the general credit of the reporting holding company: a. Securities sold under agreements to repurchase ... b. Derivative trading liabilities................................ c. Commercial paper ........................................... d. Other borrowed money (exclude commercial paper) .............................. e. Other liabilities ............................................... 3. All other assets of consolidated VIEs (not included in items 1.a through 1.k above) ........... 4. All other liabilities of consolidated VIEs (not included in items 2.a through 2.e above) ........... (Column B) ABCP Conduits (Column C) Other VIEs BHCK BHCK BHCK J981 J984 J987 338082 J982 0 J985 1031961 J988 0 J991 0 J983 0 J986 0 J989 0 J992 3370948 0 J996 J999 K003 0 J994 43778056 J997 1361082 K001 0 K004 0 J995 0 J998 702053 K006 K009 K012 0 K007 0 K010 970317 K013 0 K002 0 K005 0 K008 0 K011 0 K014 K015 K018 K021 0 K016 0 K019 0 K022 0 K017 0 K020 0 K023 K024 K027 28663098 K025 957184 K028 0 K026 0 K029 1031817 2.d. 2.e. K030 0 K031 0 K032 1073507 3. K033 0 K034 0 K035 1168467 4. J990 J993 48057 0 0 462 0 0 9967 2248021 0 0 0 518936 1.a. 1.b. 1.c. 1.d. 1.e. 1.f. 1.g. 1.h. 1.i. 1.j. 1.k. 2.a. 2.b. 2.c. 03/2013 RSSD ID: 1631915 FR Y-9C Page 59 of 60 Notes to the Balance Sheet—Predecessor Financial Items For holding companies involved in a business combination(s) during the quarter, provide on the lines below quarterly average information for any acquired company(ies) with aggregated assets of $10 billion or more or 5 percent of the reporting holding company's total consolidated assets as of the previous quarter-end, whichever is less. 1. 2. 3. 4. Dollar Amounts in Thousands Average loans and leases (net of unearned income) ................................................................... Average earning assets ........................................................................................................ Average total consolidated assets ........................................................................................... Average equity capital .......................................................................................................... BHBC 3516 3402 3368 3519 0 0 0 0 1. 2. 3. 4. Notes to the Balance Sheet (Other) Enter in the lines provided below any additional information on specific line items on the balance sheet or its supporting schedules that the holding company wishes to explain, that has been separately disclosed in the holding company's quarterly reports to its shareholders, in its press releases, or on its quarterly reports to the Securities and Exchange Commission (SEC). Also include any transactions which previously would have appeared as footnotes to Schedules HC through HC-S. Each additional piece of information disclosed should include the appropriate reference to schedule and item number, as well as a description of the additional information and the dollar amount (in thousands of dollars) associated with that disclosure. Example A holding company has guaranteed a new loan for its leveraged Employee Stock Ownership Plan (ESOP) for $750 thousand and that amount has increased the holding company's long-term unsecured debt by a material amount. The holding company has disclosed that change to its stockholders and to the SEC. Enter on the line item below the following information: TEXT 0000 BHCK Sch. HC, item 16, New loan to holding company's ESOP guaranteed by holding company 0000 750 Dollar Amounts in Thousands BHCK Outstanding issuances of perpetual preferred stock associated with the U.S. Department of Treasury Community Development Capital Initiative (CDCI) program included in Schedule HC, item 23, Perpetual preferred stock and related surplus (for Subchapter S corporations, outstanding issuances of subordinated debt securities associated with K141 CDCI included in Schedule HC, item 19.a, Subordinated notes and debentures) 0 1. 5357 48124932 2. 5358 0 3. 5359 0 4. 5360 0 5. B027 0 6. Notes to the Balance Sheet (Other) TEXT 1. 2. 5357 EQUIPMENT UNDER OPERATING LEASE INCLUDED IN HC-F LINE 6. 3. 5358 4. 5359 5. 5360 6. B027 03/2013 RSSD ID: 1631915 FR Y-9C Page 60 of 60 Notes to the Balance Sheet (Other)—Continued TEXT 7. B028 8. B029 9. B030 10. B031 11. B032 12. B033 13. B034 14. B035 15. B036 16. B037 Dollar Amounts in Thousands BHCK B028 0 7. B029 0 8. B030 0 9. B031 0 10. B032 0 11. B033 0 12. B034 0 13. B035 0 14. B036 0 15. B037 0 16. B038 0 17. B039 0 18. B040 0 19. B041 0 20. 17. B038 18. B039 19. B040 20. B041 03/2003