Last Update: FR Y-9C OMB Number 7100-0128 Approval expires July 31, 2015 Page 1 of 65 20150811.120604 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 $1 billion 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: June 30, 2015 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 08/10/2015 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 50.84 hours per response for non-Advanced Approaches HCs and 52.09 hours for Advanced Approaches HCs, 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. 06/2015 FR Y-9C Page 2 of 5 For Federal Reserve Bank Use Only RSSD ID RSSD ID: S.F. Report of Income for Holding Companies 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 192660 59851 1.a.(1)(a) 1.a.(1)(b) 1.a.(1)(c) 1.a.(2) 1.b. 1.c. 21306 104916 749897 0 1.d.(1) 1.d.(2) 1.d.(3) 1.e. 25 79757 5271041 1354672 9939 15304 7859368 68424 178332 35108 1.f. 1.g. 1.h. 2.a.(1)(a) 2.a.(1)(b) 2.a.(1)(c) 2.a.(2) 2.b. 4180 32839 982 4185 2753603 2.c. 4397 217322 4398 4073 4074 178733 3465343 4394025 4230 3906254 2.d. 2.e. 2.f. 3. 4. 4070 0 0 -13834 4483 A220 C886 4832 10651 C888 C887 C386 0 713068 C387 B491 B492 47708 0 29958 B493 1 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 5 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 77117 754 657792 3189662 4717709 0 66008 2683091 294506 6 174447 5373833 8525883 5.i. 5.j. 5.k. 5.l. 5.m. 6.a. 6.b. 7.a. 7.b. 7.c.(1) 7.c.(2) 7.d. 7.e. 6211140 -9465535 -8463082 8. 9. 10. 11. -17928617 12. 184476 -18113093 13. 14. -3254395 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 4398404 M.1. 4592 -3047493 M.2. 4313 766 M.3. 4507 7366 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 67964 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 5 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 244294 0 M.6.g. M.6.h. 8562 2151055 M.6.i. 8563 241320 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 0 M.6.k. 0 235501 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 1014597 M.7. l. 8566 1461773 M.7.m. 8567 0 3571 -6370542 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 8758 8759 8760 -6608 -7576 1 0 F186 349 TEXT 8564 l. m. TEXT 8565 DEPRECIATION OF EQUIPMENT UNDER LEASE TEXT 8566 IMPAIRMENT OF EQUITY METHOD INVESTMENT 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 252665 M.7.n. DISCONTINUED OPERATIONS 3571 a. (1) (2) Applicable income tax effect......................................... BHCK 3572 2092540 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 .................................................................................................... M.9.a. M.9.b. M.9.c. M.9.d. M.9.e. 03/2013 FR Y-9C Page 5 of 65 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 106 M.9.f. K094 -3 M.9.g. C889 C890 349 7863 A251 0 8431 C242 C243 34137 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) ................................................ 678931 1368599 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. F551 0 M.14.a. F552 F553 0 0 M.14.a.(1) M.14.b. F554 0 M.14.b.(1) C409 32045 BHCK M.15. Year-to-date BHCK F228 0 J319 17886 J320 0 M.17.a. M.17.b. J321 17886 M.17.c. M.16. 1. The asset size test is generally based on the total assets reported as of June 30, 2014. 03/2015 FR Y-9C Page 6 of 5 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 87498613 1. 2. 3. -18113093 4. 87498613 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 0 3580 4782 4783 4356 4598 4460 B511 0 161094 450000 -1740304 5.a. 5.b. 6.a. 6.b. 7. 8. 9. 10. 11. 12. 4591 0 3581 14913 13. 14. 67049035 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 5 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 0 3589 0 1.d. C895 C897 B512 73336 C896 1108 C898 3051477 B513 9637 2711 13387 4653 4654 0 4663 0 4664 1985 4665 0 372 2.a. 2.b. 3. 4646 844861 4617 474121 4618 34154 21743 4.a. 4.b. B514 K129 1796475 B515 153726 K133 355766 5.a. 5.b. K205 4643 4644 233505 K206 0 4627 13106 4628 81548 F185 C880 7755 F187 795957 F188 7447412 4605 4655 4645 4635 0 9248 1 0 2066 17277 547910 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 5 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. 2896450 4662 13387 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 532332 M.3. 5339476 1. 547910 2. 2341935 5105477 3. 4. 3906254 5. 1456967 6. 3803195 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. 295950 M.3. 0 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 65 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 M708 0 M709 0 M710 254908 M711 910 M712 0 M713 0 1.a. M714 51465 M715 0 M716 7503881 M717 38744 M719 0 M720 0 1.b. M721 23082 M722 892437 M728 789468 M734 73856 M740 1412 M723 17032 M729 260398 M735 47172 M724 45951728 M730 60724430 M736 2694660 M742 M745 0 M726 9643 M732 1200 M738 0 M744 0 0 14293 M741 460 M725 327650 M731 3073964 M737 68332 M743 1.c. 2. 3. 4. 5. 10843 M751 0 M727 M733 M739 M746 1830308 M747 293135 M748 117176779 M749 BHCK 0 0 0 3510060 M750 6. 1. The asset size test is generally based on the total assets reported as of June 30, 2014. 2. Include all loans and leases not reported as real estate loans, credit cards, or other consumer loans. 03/2015 RSSD ID: 1631915 FR Y-9C Page 10 of 5 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 5 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 5 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 5 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 20150630 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 .................................................................................... 119017930 b. Loans and leases, net of unearned income .................................... B528 3803195 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 5643567 0395 0397 25505250 12933163 1.a. 1.b.(1) 1.b.(2) 1754 1773 71331672 B987 B989 13759114 5369 100831072 4.a. 4.b. 4.c. B529 2130 3656 115214735 122493 929685 450280 8540182 15968820 4.d. 5. 6. 7. 8. 9. 3163 0426 2160 19464340 1369059 74808057 2170 466871489 10.a. 10.b. 11. 12. 3545 2145 2150 0 0 2.a. 2.b. 3.a. 3.b. 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 5 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 55568564 13.a.(1) 13.a.(2) 616178 9132553 13.b.(1) 13.b.(2) 257782 BHFN 6631 6636 BHDM B993 0 14.a. B995 3548 251477 43955 14.b. 15. 3190 250687174 4062 8805891 19.a. C699 2750 2948 2627065 68749233 396739872 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 28065009 36352997 -2318390 0 67049035 3082582 70131617 466871489 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 5 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 5 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 7344540 1287 7347412 1289 0 1290 0 1295 0 8497 0 1291 0 1297 0 8498 7949 1293 2895210 1298 7970 2972674 4867291 8499 5220495 G308 0 G301 0 G305 0 G309 0 G302 0 G306 0 G310 149396 G303 367893 G307 32810 G311 147254 367575 38232 4.a.(1) 4.a.(2) 4.a.(3) G312 0 G313 0 G314 526047 G315 603254 4.b.(1) G316 0 G317 0 G321 0 G318 0 G322 0 G319 457461 G323 0 629684 4.b.(2) 4.b.(3) 0 K143 0 K147 0 K144 0 K148 0 K145 30539 K149 25918 4.c.(1)(a) 4.c.(1)(b) 0 K151 0 K155 0 K152 0 K156 0 K153 2320455 K157 0 2446345 4.c.(2)(a) 4.c.(2)(b) 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 K150 K154 0 1. 2.a. 2.b. 3. 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 65 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 7880636 C027 7811386 G336 G340 0 G337 0 G341 0 G345 0 G338 0 G342 0 G346 148832 G339 0 G343 0 G347 132708 0 1738 0 1743 0 1739 0 1744 20059616 1741 19471220 1746 19731618 A510 868875 A511 911175 7. 0 1772 67428770 1773 71331672 8. 0416 29025549 M.1. 0383 0384 0387 27417224 4287475 38677361 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 22937972 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 65 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 B850 0 B839 0 B843 0 B847 0 B851 0 B840 0 B844 0 B848 0 B852 8997 B841 11750 B845 0 B849 0 B853 B854 B858 0 B855 0 B859 0 B856 0 B860 7798220 B857 61669 B861 G348 G352 0 G349 0 G353 0 G357 0 G350 0 G354 0 G351 0 G355 0 G359 0 0 G361 0 G365 0 G369 0 G373 0 G362 0 G363 0 G367 0 G371 0 0 148832 G375 132708 G356 G360 G364 G368 G372 0 G358 0 G366 0 G370 0 G374 8921 12844 0 0 7742652 46969 0 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, 2014. 03/2015 FR Y-9C Page 19 of 5 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. 39791397 BHCK F158 0 1.a.(1) F159 838901 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 233 0 491145 1.c.(2)(a) 1.c.(2)(b) 1.d. BHCK F160 2988783 F161 9318317 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 14 728104 1590 1766 50993574 52680846 14 2206714 188959 34050821 1975 2. 2.a. 2.b. 3. 4. 4.a. 4.b. K137 299112 794081 6. 6.a. 6.b. 6.c. K207 5107363 6.d. B538 B539 59517299 61804744 2081 8739 2081 0 J454 1457892 J454 301803 1545 3605 1545 245998 J451 2165 0 245998 11797514 J451 F162 F163 2123 22112713 0 2123 0 2122 219849002 2122 138369812 244131 7. 9.a. 9.b.(1) 9.b.(2) 10. 10.a. 10.b. 11. 12. 03/2011 FR Y-9C Page 20 of 65 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: 277204 (1) To U.S. addressees (domicile)............................................ K163 109231 (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 0 0 F576 0 K160 0 K161 852 K162 0 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 700527 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 619007 K203 0 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) K204 0 K212 K267 0 0 2746 56711 M.2. B837 26347496 M.3. 4. Outstanding credit card fees and finance charges (included in Schedule HC-C, item 6.a, Column A) .......................................................... C391 3028507 M.4. 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. 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 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 10843 M.5.a. M.5.b. 0 M.6.a. 47490 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. 06/2015 FR Y-9C Page 21 of 65 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, 2014, 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 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 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 0 F582 F583 F584 0 0 F585 0 F585 0 F586 F587 0 F586 0 F587 0 K196 0 0 K196 K208 F589 0 K208 0 F589 0 0 0 M.10.c.(1) M.10.c.(2) M.10.c.(3) M.10.c.(4) M.10.d. 06/2015 RSSD ID: 1631915 FR Y-9C Page 22 of 5 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 0 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 (Column B) Gross contractual amounts receivable at acquisition 0 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 45440561 M.14. 03/2011 FR Y-9C Page 23 of 5 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 5 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. 122493 3543 70138 11. 70138 12. BHDM 122493 3545 BHCK BHDM G209 0 G209 0 G210 0 G211 0 F624 43955 3547 11841 13.a.(1) 13.a.(2) 13.a.(3) 13.b. 14. 3548 43955 3548 11841 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 5 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 5 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 7571 2389 6648 2604 7007177 9937920 0 994174 1.a. 1.b. 1.c. 1.d. 1.e. BHOD 3189 3187 2389 6648 250211 23899 9869208 16931589 2604 10804597 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 5799702 17178998 2.a. 2.b. 2.c. 2.d. 2.e. Memoranda 7587762 M.1. M.2. M.3. 2605236 M.4. B556 2148 1397140 4442667 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 530152 3.a. 3.b. 4. 68341968 5.a. 5.b. 5.c. 6. 74808057 7. 75158 20972 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 5 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 6034 55645826 2. 3. 4. 68749233 5. 3197 177778055 1. 3296 18588002 2. 3298 3408 35905301 0 3. 4. 3409 0 5. 13097373 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 5 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 49230 1931104 1. 2. Liabilities 3. Claims and claims adjustment expense reserves ..................................................................... B990 4. Unearned premiums .......................................................................................................... B991 918720 199508 3. 4. 5. Total equity....................................................................................................................... C245 475509 5. 6. Net income ...................................................................................................................... C246 13308 6. Assets 1. Reinsurance recoverables ................................................................................................... C247 2. Separate account assets..................................................................................................... B992 3. Total assets ...................................................................................................................... C248 1763589 0 35225249 1. 2. 3. Liabilities 4. Policyholder benefits and contractholder funds ........................................................................ B994 5. Separate account liabilities .................................................................................................. B996 25395162 0 4. 5. 6. Total equity....................................................................................................................... C249 10220908 6. 7. Net income ...................................................................................................................... C250 -100273 7. II. Life and Health Underwriting BHCK 03/2013 RSSD ID: 1631915 FR Y-9C Page 29 of 5 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 13276090 3885799 1.a. 1.b. B560 3365 50855682 12943263 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 140644599 403 3466 3386 3387 16766616 187310 53099806 3.a. 3.a.(1) 3.a.(2) 3.a.(3) 3.a.(4) B561 57155717 3.a.(5)(a) B562 1095824 3.a.(5)(b) BHFN b. Total loans and leases in foreign offices, Edge and agreement subsidiaries, and IBFs.......... 3360 84597158 3.b. 4. a. Trading assets ..................................................................................................... 3401 b. Other earning assets ............................................................................................ B985 5. Total consolidated assets .......................................................................................... 3368 135466 35463349 474243234 4.a. 4.b. 5. 2635 54592482 9703913 148275 257388670 6. 7. 8. 9. Equity Capital 11. Total equity capital (excludes limited-life preferred stock).................................................. 3519 68880437 11. 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 1. Includes interest-bearing demand deposits. 03/2011 FR Y-9C Page 30 of 65 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 306094844 8904439 1.a. 1.b.(1) 1.b.(2) 3816 1425098 1.c.(1) 0 1.c.(1)(a) 1425098 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 21085 3817 0 J457 29876562 1386159 J458 J459 6566 34284490 1333679 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 21663 373976 2.a. 3. 333 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 ................................ 4. Commercial and similar letters of credit .......................................................................... 5. Not applicable 6. Securities: a. Securities lent ...................................................................................................... b. Securities borrowed ............................................................................................... 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 3822 3411 115223 3.a. 4. 3433 3432 0 0 6.a. 6.b. (Column B) Purchased Protection BHCK BHCK C968 C970 C972 0 C969 0 C971 0 C973 3388114 C975 896619 0 0 0 7.a.(1) 7.a.(2) 7.a.(3) 7.a.(4) 0 C221 8493 C222 0 8038 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.................................................................................................... 1. The $1 billion asset size test is generally based on the total assets reported as of June 30, 2014. BHCK G401 G402 0 7.c.(1)(a) 7.c.(1)(b) G403 0 7.c.(2)(a) G404 0 7.c.(2)(b) G405 0 7.c.(2)(c) 0 03/2015 FR Y-9C Page 31 of 65 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 550265 G410 0 G408 2299539 G411 140465 832097 G413 0 G416 64522 G414 0 G417 0 G409 G412 G415 397845 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.f only amounts that exceed 25 percent of Schedule HC, item 27.a)......................... a. Commitments to purchase when-issued securities ....................................................... b. Commitments to sell when-issued securities ............................................................... 8765 864289 3430 3434 0 0 8. 3435 0 9. 9.a. 9.b. c. TEXT 6561 6561 0 9.c. d. TEXT 6562 6562 0 9.d. e. TEXT 6568 6568 0 9.e. TEXT 6586 6586 0 9.f. f. 10. Not applicable 03/2015 FR Y-9C Page 32 of 5 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 ..... 140368 BHCK 8701 3021017 BHCK 8711 BHCK 8714 96081 BHCK 3450 93554449 BHCK A126 BHCK 8719 BHCK A127 3298630 BHCK 8725 BHCK 8723 742359 BHCK 8726 93513285 BHCK 8733 BHCK 8727 BHCK 8734 137417 BHCK 8737 BHCK 8735 BHCK 8738 BHCK 8741 BHCK 8739 BHCK 8742 4548869 BHCK 8745 BHCK 8746 280226 4396147 11.d.(1) 7686 11.d.(2) 38645 11.e. 15363 12. 38645 13. 222 14.a.(1) 222 14.a.(2) 51577 14.b.(1) 0 14.b.(2) BHCK 8740 1606 BHCK 8743 BHCK 8744 17024 1591283 7677 BHCK 8736 1607 4280 66984 11.c.(2) BHCK 8728 35058 6294 0 BHCK 8724 87881 142101973 11.c.(1) BHCK 8720 0 37404526 0 BHCK 8716 79008 142778 11.b. BHCK 8712 43930 BHCK 8715 BHCK 3826 0 BHCK 8708 0 141278 11.a. BHCK 8704 0 BHCK 8707 BHCK 8710 BHCK 8713 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 8709 (2) Purchased options .. BHCK 8699 BHCK 8702 0 BHCK 8696 0 105155750 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 65 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 3353073 G419 0 G420 0 G421 0 G422 146795 G423 G428 0 G425 0 G430 0 G435 0 G426 0 G431 0 G436 0 G427 0 G432 0 G433 1650260 G424 13018 G429 1123248 G434 G438 G443 G448 0 G439 0 G444 0 G449 0 G440 0 G445 0 G450 0 G454 0 G455 0 G442 0 G447 0 G452 0 G457 0 G453 0 G441 0 G446 0 G451 0 G456 0 15.b.(4) 15.b.(5) 15.b.(6) 15.b.(7) G458 2786526 G459 0 G460 0 G461 0 G462 0 15.b.(8) 0 G437 0 0 0 0 15.a. 15.b.(1) 15.b.(2) 15.b.(3) 1. The $10 billion asset size test is generally based on the total assets reported as of June 30, 2014. 03/2015 FR Y-9C Page 34 of 5 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 675000 2. 6556 6557 1575000 1234 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 5 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 131370 K194 5367 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 1 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 1324867 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 1369059 12.d. 2150 450280 44192 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 25012999 44427753 181246422 14.a. 14.b. 14.c. 250687174 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. 1268203 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 5 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 4833 4834 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 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 5 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 32476050 23.a. 23.b. G234 G235 0 0 24.a. 24.b. 03/2013 FR Y-9C Page 38 of 5 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 8292 F178 67 F180 0 F182 102059 1.e.(1) F179 B572 0 F181 493694 B573 0 F183 44279 B574 185603 1479544 1.e.(2) 1.f. 5377 5380 0 5378 0 5381 0 5379 0 5382 0 0 1594 1606 1155 1597 1165646 1607 0 1583 262386 1608 2464 1545034 B575 K213 1301530 B576 17380 K214 967397 B577 0 K215 1259 8394 5.a. 5.b. K216 87032 K217 0 K218 33515 5.c. 5389 5459 0 5390 53 5460 0 5391 0 5461 0 2284 F166 F169 6794 F167 167427 F170 0 F168 14 F171 1398 223118 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 5 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 22043 3506 3262821 5525 100824 3507 1374900 5526 3713756 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. 120792 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 5 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. K108 0 K109 0 K110 BHCK BHCK BHCK F661 0 F662 0 F663 BHDM BHDM BHDM K111 0 K112 0 K113 0 M.1.c. K114 0 K115 0 K116 0 M.1.d.(1) K117 0 K118 0 K119 0 M.1.d.(2) 03/2011 FR Y-9C Page 41 of 65 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 1148 K121 89 K124 7568 K122 0 K125 178219 124905 122862 K127 57932 K128 5055 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 112499 K275 0 K278 57932 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 0 K287 0 K285 0 K288 0 M.1.f.(5) M.1.f.(6) 6558 0 6559 0 6560 11820 M.2. 3508 1482563 1912 214873 1913 2215943 M.3. C240 1072584 C241 47123 C226 1619461 M.5.a. F664 F667 0 F665 0 F668 0 F666 0 F669 0 0 0 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 65 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 7756 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. Amount included in Schedule HC-N, items 1 through 7, above ..................................... L186 (Column B) Past due 90 days or more and still accruing 713236 555378 M.7. M.8. (Column C) Nonaccrual BHCK BHCK 277 L184 2302 L185 39579 M.9.a. 36 L187 349 L188 9643 M.9.b. 06/2015 RSSD ID:1631915 FR Y-9C Page 43 of 65 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. Dollar Amounts in Thousands 1. 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 ........................................................ 2. 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 ....................................................... 3. 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 ........................................................ 4. 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 ........................................................ 5. 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 19 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 824800 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, 2014. 2. Exclude originations and purchases of 1– 4 family residential mortgage loans that are held for investment. 03/2015 RSSD ID: FR Y-9C Page 44 of 65 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 71331672 G474 0 G475 517846 G476 58621548 G477 12192278 1. 0 G479 0 G484 0 G489 0 G480 0 G485 0 G481 0 G486 0 G482 0 G487 0 0 0 G490 0 G491 0 G492 0 2. 3. 4. 122493 G493 23048 G494 0 G495 66827 G496 78714 5.a. G497 0 G498 0 G499 0 G500 0 G501 0 5.b. F240 G391 0 F684 726845 G392 0 F692 5507951 G395 0 F241 0 G396 0 F242 6154277 G804 0 80519 G502 72181010 G503 5530999 G504 517846 G505 64842652 G506 12351511 7. 0 F686 0 F694 0 F253 0 F254 0 8. 0 G508 0 G509 0 G510 0 G511 0 9. 43955 G512 42826 G513 0 G514 76671 G515 10110 10.a. 0 G517 0 G522 0 G527 0 G519 0 G520 0 G524 0 G529 0 G808 0 G525 0 G530 4695809 G809 0 0 0 3355 10.b. 11. 12. 13. 0 G534 4772480 G535 13465 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 129219 G806 0 G518 0 G523 0 G528 4569945 G807 G531 173174 G532 4612771 G533 14. 03/2013 RSSD ID: FR Y-9C Page 45 of 65 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 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 700802 G542 0 G547 0 G539 0 G544 0 G549 G551 G556 G561 0 G552 0 G557 0 G562 0 G538 5507951 G543 0 G548 0 G553 0 G540 6134234 G545 0 G550 0 G555 F261 G566 G571 G576 G581 G586 0 F689 109271 G567 0 G572 0 G577 0 G582 0 G587 0 G558 0 G563 0 G554 0 G559 0 G564 0 F697 4569945 G568 0 G573 0 G578 0 G583 0 G588 0 F262 0 G569 0 G574 0 G579 0 G584 0 G589 0 G560 0 G565 0 F263 4675861 G570 0 G575 0 G580 0 G585 0 G590 0 74519 0 0 0 0 0 3355 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 65 For Federal Reserve Bank Use Only RSSD ID: C.I. 1631915 Schedule HC-R—Regulatory Capital Part I. Regulatory Capital Components and Ratios 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) .................. 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) .............................................................................. 4. 5. P841 6. P842 7. P843 8. P844 9.a. P845 9.b. P846 9.c. P847 9.d. P848 9.e. P849 9.f. Q258 10.a. P850 10.b. P851 P852 11. 12. 03/2015 RSSD ID: 1631915 FR Y-9C Page 47 of 65 Schedule HC-R—Continued Part I.—Continued Dollar Amounts in Thousands 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 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 ........................................ 32. a. Tier 2 capital before deductions (sum of items 27 through 30.a, plus item 31) ............................. 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) ............................................. P862 P863 P866 P867 P868 5310 27. 28. 29. 30.a. BHCW 5310 30.b. BHCA Q257 P870 31. 32.a. BHCW P870 32.b. BHCA 33. LESS: Tier 2 capital deductions ............................................................................................. P872 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 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 33. 34.a. 34.b. 35.a. 35.b. 03/2014 RSSD ID: 1631915 FR Y-9C Page 48 of 65 Schedule HC-R—Continued Part I.—Continued Dollar Amounts in Thousands Total Assets for the Leverage Ratio 36. Average total consolidated assets .................................................................................. 37. LESS: Deductions from common equity tier 1 capital and additional tier 1 capital (sum of items 6, 7, 8, 10.b, 11, 13 through 17, and certain elements of item 24 - see instructions)............... 38. LESS: Other deductions from (additions to) assets for leverage ratio purposes ....................... 39. Total assets for the leverage ratio (item 36 minus items 37 and 38) ................................... BHCX 3368 36. BHCA P875 37. B596 38. 39. A224 Total Risk-Weighted Assets 40. a. Total risk-weighted assets (from Schedule HC-R, Part II item 31) .................................. A223 BHCW b. (Advanced approaches holding companies that exit parallel run only): Total risk-weighted assets using advanced approaches rule (from FFIEC 101 Schedule A, item 60).................. A223 40.a. 40.b. Column A 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 BHCA P793 41. 7206 42. 7205 43. Percentage 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 date to be determined) ........................................ 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 ............................................... 44. 45. Percentage 46.a. 46.b. BHCA 47. 48. 06/2015 FR Y-9C Page 49 of 65 RSSD ID: 1631915 Schedule HC-R—Continued Part II. Risk-Weighted Assets This schedule is to be submitted on a consolidated basis. Holding companies (HC) are required to assign a 100 percent risk-weight to all assets not specifically assigned a risk-weight under Subpart D of the Federal Reserve's regulatory capital rules1 and not deducted from tier 1 or tier 2 capital. (Column A) Totals From Schedule HC Dollar Amounts in Thousands Balance Sheet Asset Categories2 1. Cash and balances due from depository institutions.................... 2. Securities: a. Held-to-maturity securities................. b. Available-for-sale securities................. 3. Federal funds sold and securities purchased under agreements to resell: a. Federal funds sold (in domestic offices)... b. Securities purchased under agreements to resell ...................... 4. Loans and leases held for sale: a. Residential mortgage exposures ............... b. High volatility commercial real estate exposures................ c. Exposures past due 90 days or more or on nonaccrual3 .......... BHCK D957 (Column B) Adjustments to Totals Reported in Column A (Column C) BHCK S396 BHCK D958 (Column D) (Column E) (Column F) (Column G) (Column H) (Column I) (Column J) 20% 50% 100% 150% BHCK D959 BHCK S397 BHCK D960 BHCK S398 Allocation by Risk-Weight Category 0% 2% 4% 10% 1. BHCK D961 BHCK S399 BHCK D962 BHCK D963 BHCK D964 BHCK D965 BHCK S400 BHCK D966 BHCK S402 BHCK D967 BHCK D968 BHCK D969 BHCK D970 BHCK S403 2.a. 2.b. BHCK D971 BHCK D972 BHCK D973 BHCK S410 BHCK D974 BHCK S411 3.a. BHCK H171 BHCK H172 3.b. BHCK S413 BHCK S414 BHCK H173 BHCK S415 BHCK S416 BHCK S417 4.a. BHCK S419 BHCK S420 BHCK H174 BHCK H175 BHCK H176 BHCK H177 BHCK S421 4.b. BHCK S423 BHCK S424 BHCK S425 BHCK S426 BHCK S427 BHCK S428 BHCK S429 1. For bank holding companies, 12 CFR Part 217 and 225; and for covered savings and loan holding companies, 12 CFR Part 217. 2. All securitization exposures held as on-balance sheet assets of the reporting institution are to be excluded from items 1 through 8 and are to be reported instead in item 9. 3. For loans and leases held for sale, exclude residential mortgage exposures, high volatility commercial real estate exposures, or sovereign exposures that are past due 90 days or more or on nonaccrual. 4.c. 03/2015 RSSD ID: 1631915 FR Y-9C Page 50 of 65 Schedule HC-R—Continued Part II. Risk-Weighted Assets—Continued (Column K) (Column L) (Column M) (Column N) (Column O) (Column P) (Column Q) Dollar Amounts in Thousands Balance Sheet Asset Categories (continued) 1. Cash and balances due from depository institutions....................................... 2. Securities: a. Held-to-maturity securities.................................... b. Available-for-sale securities.................................... 3. Federal funds sold and securities purchased under agreements to resell: a. Federal funds sold (in domestic offices) ...................... b. Securities purchased under agreements to resell ......................................... 4. Loans and leases held for sale: a. Residential mortgage exposures .................................. b. High volatility commercial real estate exposures................................... c. Exposures past due 90 days or more or on nonaccrual6 ............................. 300% 400% 600% 625% (Column S) Application of Other RiskWeighting Approaches4 Allocation by Risk-Weight Category 250%5 (Column R) 937.5% 1250% Exposure Amount Risk-Weighted Asset Amount 1. 2.a. BHCK S405 BHCK S406 BHCK H271 BHCK H272 2.b. 3.a. 3.b. BHCK H273 BHCK H274 4.a. BHCK H275 BHCK H276 4.b. BHCK H277 BHCK H278 4.c. 4. Includes, for example, investments in mutual funds/investment funds, exposures collateralized by securitization exposures or mutual funds, exposures to which the collateral haircut approach is applied, separate account bank-owned life insurance, and default fund contributions to central counterparties. 5. Column K - 250% risk weight is not applicable until the March 31, 2018, report date. 6. For loans and leases held for sale, exclude residential mortgage exposures, high volatility commercial real estate exposures, or sovereign exposures that are past due 90 days or more or on nonaccrual. 06/2015 FR Y-9C Page 51 of 65 RSSD ID: 1631915 Schedule HC-R—Continued Part II. Risk-Weighted Assets—Continued (Column A) Totals From Schedule HC (Column B) Adjustments to Totals Reported in Column A (Column C) BHCK S432 BHCK S433 (Column D) (Column E) (Column F) (Column G) (Column H) (Column I) (Column J) 20% 50% 100% 150% BHCK S434 BHCK S435 BHCK S436 BHCK S437 Allocation by Risk-Weight Category 0% 2% 4% 10% Dollar Amounts in Thousands 4. Loans and leases held for sale (continued): d. All other exposures................ 5. Loans and leases, net of unearned income: a. Residential mortgage exposures................ b. High volatility commercial real estate exposures................ c. Exposures past due 90 days or more on nonaccrual7 .............. d. All other exposures .... 6. LESS: Allowance for loan and lease losses ........... BHCK S431 4.d. BHCK S439 BHCK S440 BHCK H178 BHCK S441 BHCK S442 BHCK S443 5.a. BHCK S445 BHCK S446 BHCK H179 BHCK H180 BHCK H181 BHCK H182 BHCK S447 5.b. BHCK S449 BHCK S450 BHCK S451 BHCK S452 BHCK S453 BHCK S454 BHCK S455 BHCK S457 BHCK S458 BHCK S459 BHCK S460 BHCK S461 BHCK S462 BHCK S463 BHCX 3123 BHCY 3123 BHCK D976 BHCK S466 BHCK D977 BHCK D978 BHCK D979 BHCK D980 BHCK S467 BHCK D981 BHCK S469 BHCK D982 BHCK D983 BHCK D984 BHCK D985 BHCK H185 5.c. 5.d. 6. 7. 7. Trading Assets .............. 8. All other assets8 ............ a. Separate account bank-owned life insurance ................ b. Default fund contributions to central counterparties .......... 8. 8.a. 8.b. 7. For loans and leases, net of unearned income, exclude residential mortgage exposures, high volatility commercial real estate exposures, or sovereign exposures that are past due 90 days or more or on nonaccrual. 8. 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. 03/2015 RSSD ID: 1631915 FR Y-9C Page 52 of 65 Schedule HC-R—Continued Part II. Risk-Weighted Assets—Continued (Column K) (Column L) (Column M) (Column N) (Column O) (Column P) (Column Q) 300% 400% 600% 625% (Column S) Application of Other RiskWeighting Approaches9 Allocation by Risk-Weight Category 250%10 (Column R) 937.5% 1250% Exposure Amount Risk-Weighted Asset Amount BHCK H279 BHCK H280 Dollar Amounts in Thousands 4. Loans and leases held for sale (continued): d. All other exposures................................... 5. Loans and leases, net of unearned income: a. Residential mortgage exposures................................... b. High volatility commercial real estate exposures................................... c. Exposures past due 90 days or more or on nonaccrual11 ................................ 4.d. BHCK H281 BHCK H282 5.a. BHCK H283 BHCK H284 5.b. BHCK H285 BHCK H286 BHCK H287 BHCK H288 5.c. d. All other exposures ....................... 6. LESS: Allowance for loan and lease losses .............................. 5.d. 6. BHCK H186 BHCK H290 BHCK H187 BHCK H291 BHCK H292 BHCK H188 BHCK S470 BHCK S471 BHCK H294 BHCK H295 7. 7. Trading Assets ................................. 8. All other assets12 ............................... a. Separate account bank-owned life insurance ................................... b. Default fund contributions to central counterparties ............................. 8. BHCK H296 BHCK H297 8.a. BHCK H298 BHCK H299 8.b. 9. Includes, for example, investments in mutual funds/investment funds, exposures collateralized by securitization exposures or mutual funds, exposures to which the collateral haircut approach is applied, separate account bank-owned life insurance, and default fund contributions to central counterparties. 10. Column K - 250% risk weight is not applicable until the March 31, 2018, report date. 11. For loans and leases, net of unearned income, exclude residential mortgage exposures, high volatility commercial real estate exposures, or sovereign exposures that are past due 90 days or more or on nonaccrual. 12. 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 06/2015 assets; and other assets. RSSD ID: FR Y-9C Page 53 of 65 1631915 Schedule HC-R—Continued Part II. Risk-Weighted Assets—Continued (Column A) Totals (Column B) Adjustments to Totals Reported in Column A (Column Q) (Column T) Allocation by Risk-Weight Category Total Risk-Weighted Asset Amount by Calculation Methodology (Column U) 1250% SSFA13 Gross-Up Dollar Amounts in Thousands Securitization Exposures: On-and Off-Balance Sheet 9. On-balance sheet securitization exposures: a. Held-to-maturity securities.......................................................................................... BHCK S475 BHCK S476 BHCK S477 BHCK S478 BHCK S479 BHCK S480 BHCK S481 BHCK S482 BHCK S483 BHCK S484 BHCK S485 BHCK S486 BHCK S487 BHCK S488 BHCK S489 BHCK S490 BHCK S491 BHCK S492 BHCK S493 BHCK S494 BHCK S495 BHCK S496 BHCK S497 BHCK S498 BHCK S499 9.a. b. Available-for-sale securities........................................................................................ 9.b. c. Trading assets ......................................................................................................... 9.c. d. All other on-balance sheet securitization exposures......................................................... 9.d. 10. Off-balance sheet securitization exposures ........................................................................ (Column A) Totals From Schedule HC Dollar Amounts in Thousands 11. Total balance sheet assets14 ................. BHCT 2170 (Column B) Adjustments to Totals Reported in Column A (Column C) BHCK S500 BHCK D987 (Column D) (Column E) 10. (Column F) (Column G) (Column H) (Column I) (Column J) 20% 50% 100% 150% BHCK D988 BHCK D989 BHCK D990 BHCK S503 Allocation by Risk-Weight Category 0% 2% 4% 10% 11. (Column K) (Column L) (Column M) (Column N) (Column O) (Column P) (Column Q) Allocation by Risk-Weight Category 250%15 300% 400% 600% BHCK S505 BHCK S506 BHCK S507 625% (Column R) Application of Other RiskWeighting Approaches 937.5% 1250% Exposure Amount BHCK S510 BHCK H300 Dollar Amounts in Thousands 11. Total balance sheet assets14 ............................................................. 11. 13. Simplified Supervisory Formula Approach. 14. For each of columns A through R of item 11, report the sum of items 1 through 9. For item 11, the sum of columns B through R must equal column A. 15. Column K - 250% risk weight is not applicable until the March 31, 2018, report date. 06/2015 RSSD ID: FR Y-9C Page 54 of 65 1631915 Schedule HC-R—Continued Part II. Risk-Weighted Assets—Continued (Column A) Face, Notional, CCF16 or Other Amount (Column B) Credit Equivalent Amount17 (Column C) (Column D) (Column E) (Column F) (Column G) (Column H) (Column I) (Column J) 20% 50% 100% 150% BHCK D994 BHCK D995 BHCK D996 BHCK S511 Allocation by Risk-Weight Category 0% 2% 4% 10% Dollar Amounts in Thousands Derivatives, Off-Balance Sheet Items, and Other Items Subject to RiskWeighting (Excluding Securitization Exposure)18 12. Financial standby letters of credit ........ 13. Performance standby letters of credit and transaction-related contingent items ...... 14. Commercial and similar letters of credit with an original maturity of one year or less ................... 15. Retained recourse on small business obligations sold with recourse .......... BHCK D991 BHCK D992 BHCK D993 12. 1.0 BHCK D997 BHCK D998 BHCK D999 BHCK G603 BHCK G604 BHCK G605 BHCK S512 13. 0.5 BHCK G606 BHCK G607 BHCK G608 BHCK G609 BHCK G610 BHCK G611 BHCK S513 14. 0.2 BHCK G612 BHCK G613 BHCK G614 BHCK G615 BHCK G616 1.0 BHCK G617 BHCK S514 15. 16. Credit conversion factor. 17. Column A multiplied by credit conversion factor. For each of items 12 through 21, the sum of columns C through J plus column R must equal column B. 18. All derivatives and off-balance sheet items that are securitization exposures are to be excluded from items 12 through 21 and are to be reported instead in item 10. 03/2015 FR Y-9C Page 55 of 65 RSSD ID: 1631915 Schedule HC-R—Continued Part II. Risk-Weighted Assets—Continued (Column A) Face, Notional, CCF19 or Other Amount Dollar Amounts in Thousands 16. Repo-style transactions21 ........... 17. All other off-balance sheet liabilities ......... 18. Unused commitments: a. Original maturity of one year or less, excluding assetbacked commercial paper (ABCP) conduits .............. b. Original maturity of one year or less to ABCP conduits ...... c. Original maturity exceeding one year ................... 19. Unconditionally cancelable commitments........... 20. Over-the-counter derivatives .............. 21. Centrally cleared derivatives .............. 22. Unsettled transactions (failed trades)22 ......... BHCK S515 (Column B) Credit Equivalent Amount20 (Column C) (Column D) (Column E) (Column F) (Column G) (Column H) (Column I) (Column J) 20% 50% 100% 150% BHCK S520 BHCK S521 BHCK S522 BHCK S523 BHCK G621 BHCK G622 BHCK G623 BHCK S524 Allocation by Risk-Weight Category 0% 2% 4% BHCK S516 BHCK S517 BHCK S518 BHCK S519 BHCK G619 BHCK G620 10% 16. 1.0 BHCK G618 17. 1.0 BHCK S525 BHCK S526 BHCK S527 BHCK S528 BHCK S529 BHCK S530 BHCK S531 18.a. 0.2 18.b. BHCK G624 BHCK G625 BHCK G626 BHCK G627 BHCK G628 BHCK G629 BHCK S539 18.c. 0.5 BHCK S540 BHCK S541 19. 0.0 BHCK S542 BHCK S543 BHCK S549 BHCK S550 BHCK S544 BHCK S545 BHCK S546 BHCK S547 BHCK S548 BHCK S554 BHCK S555 BHCK S556 BHCK S557 BHCK H194 BHCK H195 BHCK H196 BHCK H197 20. BHCK S551 BHCK S552 21. BHCK H191 BHCK H193 22. 19. Credit conversion factor. 20. For items 18.c. and 19, column A multiplied by credit conversion factor. 21. Includes securities purchased under agreements to resell (reverse repos), securities sold under agreements to repurchase (repos), securities borrowed, and securities lent. 22. For item 22, the sum of columns C through Q must equal column A. 03/2015 RSSD ID: 1631915 FR Y-9C Page 56 of 65 Schedule HC-R—Continued Part II. Risk-Weighted Assets—Continued (Column O) (Column P) (Column Q) Allocation by Risk-Weight Category 625% Dollar Amounts in Thousands 16. Repo-style transactions24 ................................................................................................................ 17. All other off-balance sheet liabilities .............................................................................................................. 18. Unused commitments: a. Original maturity of one year or less, excluding assetbacked commercial paper (ABCP) conduits ................................................................................................................... b. Original maturity of one year or less to ABCP conduits ........................................................................................................... c. Original maturity exceeding one year ........................................................................................................................ 19. Unconditionally cancelable commitments................................................................................................................ 20. Over-the-counter derivatives ................................................................................................................... 21. Centrally cleared derivatives ................................................................................................................... 22. Unsettled transactions (failed trades)25 .............................................................................................................. 937.5% 1250% (Column R) (Column S) Application of Other RiskWeighting Approaches23 Credit Equivalent Risk-Weighted Amount Asset Amount BHCK H301 BHCK H302 16. 17. BHCK H303 BHCK H304 18.a. 18.b. BHCK H307 BHCK H308 18.c. 19. BHCK H309 BHCK H310 20. 21. BHCK H198 BHCK H199 BHCK H200 22. 23. Includes, for example, exposures collateralized by securitization exposures or mutual funds and exposures to which the collateral haircut approach is applied. 24. Includes securities purchased under agreements to resell (reverse repos), securities sold under agreements to repurchase (repos), securities borrowed, and securities lent. 25. For item 22, the sum of columns C through Q must equal column A. 03/2015 FR Y-9C Page 57 of 65 RSSD ID: 1631915 Schedule HC-R—Continued Part II. Risk-Weighted Assets—Continued (Column C) (Column D) (Column E) (Column F) (Column G) (Column H) (Column I) (Column J) Allocation by Risk-Weight Category Dollar Amounts in Thousands 23. Total assets, derivatives, off-balance sheet items, and other items subject to risk weighting by riskweight category (for each of columns C through P, sum of items 11 through 22; for column Q, sum of items 10 through 22) .................................................... 24. Risk weight factor ................................................ 25. Risk-weighted assets by risk-weight category (for each column, item 23 multiplied by item 24) ............................................................. 0% 2% 4% 10% 20% 50% 100% 150% BHCK G630 BHCK S558 BHCK S559 BHCK S560 BHCK G631 BHCK G632 BHCK G633 BHCK S561 X 0% X 2% X 4% X 10% X 20% X 50% X 100% X 150% BHCK G634 BHCK S569 BHCK S570 BHCK S571 BHCK G635 BHCK G636 BHCK G637 BHCK S572 23. 24. 25. 03/2015 RSSD ID: FR Y-9C Page 58 of 65 1631915 Schedule HC-R—Continued Part II. Risk-Weighted Assets—Continued (Column K) (Column L) (Column M) (Column N) (Column O) (Column P) (Column Q) Allocation by Risk-Weight Category 250%26 Dollar Amounts in Thousands 23. Total assets, derivatives, off-balance sheet items, and other items subject to risk weighting by riskweight category (for each of columns C through P, sum of items 11 through 22; for column Q, sum of items 10 through 22) ....................................................................... 24. Risk weight factor ................................................................... 25. Risk-weighted assets by risk-weight category (for each column, item 23 multiplied by item 24) ................................................................................ X 250% 300% 400% 600% 625% 937.5% 1250% BHCK S563 BHCK S564 BHCK S565 BHCK S566 BHCK S567 BHCK S568 X 300% X 400% X 600% X 625% X 937.5% X 1250% BHCK S574 BHCK S575 BHCK S576 BHCK S577 BHCK S578 BHCK S579 23. 24. 25. Totals 26. 27. 28. 29. 30. 31. Dollar Amounts in Thousands Risk-weighted assets for purposes of calculating the allowance for loan and lease losses 1.25 percent threshold...................................... Standardized market-risk weighted assets (applicable only to holding companies that are covered by the market risk capital rules) .............. Risk-weighted assets before deductions for excess allowance of loan and lease losses and allocated risk transfer risk reserve27 .................. LESS: Excess allowance for loan and lease losses ...................................................................................................................... LESS: Allocated transfer risk reserve......................................................................................................................................... Total risk-weighted assets (item 28 minus items 29 and 30)............................................................................................................ BHCK S580 S581 B704 A222 3128 G641 26. 27. 28. 29. 30. 31. 26. Column K - 250% risk weight is not applicable until the March 31, 2018, report date. 27. Sum of items 2.b. through 20, column S; items 9.a., 9.b., 9.c., 9.d., and 10, columns T and U; item 25, columns C through Q; and item 27 (if applicable). 06/2015 RSSD ID: 1631915 FR Y-9C Page 59 of 65 Schedule HC-R—Continued Part II. Risk-Weighted Assets—Continued Memoranda Dollar Amounts in Thousands BHCK 1. Current credit exposure across all derivative contracts covered by the regulatory capital rules ..................................................................... G642 (Column A) One year or less Dollar Amounts in Thousands 2. Notional principal amounts of over-the-counter derivative contracts: a. Interest rate ..................................................................................... b. Foreign exchange rate and gold........................................................... c. Credit (investment grade reference asset).............................................. d. Credit (non-investment grade reference asset)........................................ e. Equity ............................................................................................ f. Precious metals (except gold) ............................................................. g. Other ............................................................................................. 3. Notional principal amounts of centrally cleared derivative contracts: a. Interest rate ..................................................................................... b. Foreign exchange rate and gold .......................................................... c. Credit (investment grade reference asset) ............................................. d. Credit (non-investment grade reference asset) ....................................... e. Equity ............................................................................................ f. Precious metals (except gold) ............................................................. g. Other ............................................................................................. With a remaining maturity of (Column B) Over one year through five years M.1. (Column C) Over 5 years BHCK BHCK BHCK S582 S585 S588 S591 S594 S597 S600 S583 S586 S589 S592 S595 S598 S601 S584 S587 S590 S593 S596 S599 S602 M.2.a. M.2.b. M.2.c. M.2.d. M.2.e. M.2.f. M.2.g. S603 S606 S609 S612 S615 S618 S621 S604 S607 S610 S613 S616 S619 S622 S605 S608 S611 S614 S617 S620 S623 M.3.a. M.3.b. M.3.c. M.3.d. M.3.e. M.3.f. M.3.g. Dollar Amounts in Thousands BHCK 4. Standardized market risk-weighted assets attributable to specific risk (included in Schedule HC-R, item 27) ................................................... S624 M.4. 03/2015 FR Y-9C Page 60 of 65 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 BHCK B712 BHCK B713 0 BHCK C393 0 BHCK B726 0 0 BHCK B747 0 0 BHCK B749 0 BHCK B755 0 0 BHCK B757 0 0 0 0 0 2.c. 0 3. 1 4.a. 0 4.b. 0 5.a. 0 5.b. BHCK B753 0 BHCK B759 0 0 BHCK B746 BHCK B752 BHCK B758 2.b. BHCK B739 BHCK B745 BHCK B751 0 BHCK B732 89594 0 2.a. BHCK C406 0 0 0 0 0 BHCK B738 BHCK B744 BHCK B750 BHCK B756 0 0 0 BHCK C399 BHCK B731 0 1. BHCK B718 BHCK C405 BHCK B737 34660 0 0 0 0 BHCK B711 207550 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 BHCK B748 BHCK B754 b. Recoveries ...................................... 0 0 0 0 (Column F) Commercial and Industrial Loans 0 BHCK C397 BHCK B729 BHCK B735 BHCK B741 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 493 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 BHCK B797 BHCK B786 BHCK B792 BHCK B798 0 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 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 162406 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 61 of 65 BHCK B803 0 03/2006 FR Y-9C Page 62 of 65 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 53986509 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 63 of 65 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 341110 J982 0 J985 116287 J988 0 J991 0 J983 0 J986 0 J989 0 J992 12530254 J994 29073270 J997 0 J995 0 J998 415359 1215632 K001 0 K004 0 K007 0 K010 629221 K013 0 K002 0 K005 0 K008 0 K011 0 K014 0 0 0 K021 0 K016 0 K019 0 K022 0 K017 0 K020 0 K023 K024 K027 26159223 K025 538850 K028 0 K026 0 K029 1146501 2.d. 2.e. K030 0 K031 0 K032 1147226 3. K033 0 K034 0 K035 1146398 4. J990 J993 J996 J999 K003 K006 K009 K012 K015 K018 185669 0 3216258 0 247353 14652 1925124 0 0 0 622241 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 64 of 65 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 51537138 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 65 of 65 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