Board of Governors of the Federal Reserve System OMB Number: 7100-0036 Federal Deposit Insurance Corporation OMB Number: 3064-0052 Office of the Comptroller of the Currency OMB Number: 1557-0081

Approval expires June 30, 2027

Federal Financial Institutions Examination Council Page 1 of 84

Consolidated Reports of Condition and Income for a Bank with Domestic Offices Only—FFIEC 041

Report at the close of business September 30, 2025

context indicates otherwise, the term "bank" in this report form institutions for regulatory capital purposes that are required to file refers to both banks and savings associations. the FFIEC 031.

NOTE: Each bank's board of directors and senior management are We, the undersigned directors (trustees), attest to the correctness of Income. The Reports of Condition and Income are to be prepared in Income have been examined by us and to the best of our knowledge accordance with federal regulatory authority instructions. The Reports and belief have been prepared in conformance with the instructions of Condition and Income must be signed by the Chief Financial issued by the appropriate Federal regulatory authority and are true Officer (CFO) of the reporting bank (or by the individual performing an and correct. equivalent function) and attested to by not less than two directors (trustees) for state nonmember banks and three directors for state member banks, national banks, and savings associations.

I, the undersigned CFO (or equivalent) of the named bank, attest that the Reports of Condition and Income (including the supporting schedules) for this report date have been prepared in conformance Director (Trustee) with the instructions issued by the appropriate Federal regulatory authority and are true and correct to the best of my knowledge and belief. Director (Trustee)

Signature of Chief Financial Officer (or Equivalent)

Date of Signature

(20250930)

(RCON 9999)

This report is required by law: 12 U.S.C. § 324 (State member banks); This report form is to be filed by banks with domestic offices only and 12 U.S.C. § 1817 (State nonmember banks); 12 U.S.C. § 161 (National total consolidated assets of less than \$100 billion, except those banks banks); and 12 U.S.C § 1464 (Savings associations). Unless the that file the FFIEC 051, and those banks that are advanced approaches

responsible for establishing and maintaining an effective system of the Reports of Condition and Income (including the supporting schedinternal control, including controls over the Reports of Condition and ules) for this report date and declare that the Reports of Condition and

Director (Trustee)

Submission of Reports

Each bank must file its Reports of Condition and Income (Call Report) To fulfill the signature and attestation requirement for the Reports

submitting the report data directly to the FFIEC's Central Data to the CDR that your bank must place in its files. Repository (CDR), an Internet-based system for data collection
(b)Completing its Call Report in paper form and arranging with a data file need not match exactly the appearance of the FFIEC's software vendor or another party to convert the data into the elec- sample report forms, but should show at least the caption of each tronic format that can be processed by the CDR. The software Call Report item and the reported amount. vendor or other party then must electronically submit the bank's data file to the CDR.

For technical assistance with submissions to the CDR, please contact the CDR Help Desk by telephone at (888) CDR-3111, by fax at (703) 774-3946, or by e-mail at [email protected]. City (RSSD 9130)

FDIC Certificate Number 1 9 9 7 7

(RSSD 9050)

data by either: of Condition and Income for this report date, attach your bank's completed signature page (or a photocopy or a computer generated (a)Using computer software to prepare its Call Report and then version of this page) to the hard-copy record of the data file submitted

(https://cdr.ffiec.gov/cdr/), or The appearance of your bank's hard-copy record of the submitted

Israel Discount Bank Of New York
Legal Title of Bank (RSSD 9017)
New York


NY	10017
State Abbrev. (RSSD 9200)	ZIP Code (RSSD 9220)
Legal Entity Identifier (LEI)
(Report only if your institution already has an LEI.) (RCON 9224)

The estimated average burden associated with this information collection is 55.56 hours per respondent and is expected to vary by institution, depending on individual circumstances. Burden estimates include the time for reviewing instructions, gathering and maintaining data in the required form, and completing the information collection, but exclude the time for compiling and maintaining business records in the normal course of a respondent's activities. A Federal agency 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. Comments concerning the accuracy of this burden estimate and suggestions for reducing this burden should be directed to the Office of Information and Regulatory Affairs, Office of Management and Budget, Washington, DC 20503, and to one of the following: Secretary, Board of Governors of the Federal Reserve System, 20th and C Streets, NW, Washington, DC 20551; Legislative and Regulatory Analysis Division, Office of the Comptroller of the Currency, Washington, DC 20219; Assistant Executive Secretary, Federal Deposit Insurance Corporation, Washington, DC 20429.

Consolidated Reports of Condition and Income for a Bank with Domestic Offices Only

Signature Page1	Schedule RC-F—Other AssetsRC-20
Contact Information3, 4	Schedule RC-G—Other LiabilitiesRC-20
Report of Income	Schedule RC-K—Quarterly AveragesRC-21, 22
Schedule RI—Income StatementRI-1, 2, 3, 4 Schedule RI-A—Changes in Bank Equity CapitalRI-5	Schedule RC-L—Derivatives and Off-Balance Sheet ItemsRC-23, 24, 25, 26
Schedule RI-B—Charge-offs and Recoveries on Loans and Leases and Changes in Allowances for Credit Losses: Part I. Charge-offs and Recoveries on Loans and LeasesRI-6, 7 Part II. Changes in Allowances for Credit LossesRI-8	Schedule RC-M—MemorandaRC-27, 28, 29 Schedule RC-N—Past Due and Nonaccrual Loans, Leases, and Other AssetsRC-30, 31, 32, 33, 34 Schedule RC-O—Other Data for Deposit Insurance AssessmentsRC-35, 36, 37, 38, 39, 40
Schedule RI-C—Disaggregated Data on the Allowances for Credit Losses (to be completed only by selected banks)RI-9	Schedule RC-P—1–4 Family Residential Mortgage Banking Activities (to be completed only by selected banks)RC-41
Schedule RI-E—ExplanationsRI-10, 11 Report of Condition	Schedule RC-Q—Assets and Liabilities Measured at Fair Value on a Recurring Basis (to be completed only by selected banks)RC-42, 43, 44
Schedule RC—Balance SheetRC-1, 2 Schedule RC-A—Cash and Balances Due from Depository Institutions (to be completed only by selected banks)RC-3	Schedule RC-R—Regulatory Capital: Part I. Regulatory Capital Components and RatiosRC-45, 46, 47, 48 Part II. Risk-Weighted AssetsRC-49 50, 51, 52, 53, 54, 55, 56, 57, 58, 59, 60, 61
Schedule RC-B—SecuritiesRC-3, 4, 5, 6, 7	Schedule RC-S—Servicing, Securitization, and Asset Sale ActivitiesRC-62, 63
Schedule RC-C—Loans and Lease Financing Receivables: Part I. Loans and LeasesRC-8, 9, 10, 11, 12, 13 Part II. Loans to Small Businesses and Small FarmsRC-14, 15	Schedule RC-T—Fiduciary and Related ServicesRC-64, 65, 66, 67 Schedule RC-V—Variable Interest EntitiesRC-68
Schedule RC-D—Trading Assets and Liabilities (to be completed only by selected banks)RC-16 Schedule RC-E—Deposit LiabilitiesRC-17, 18, 19	Optional Narrative Statement Concerning the Amounts Reported in the Consolidated Reports of Condition and IncomeRC-69

For information or assistance, national banks, state nonmember banks, and savings associations should contact the FDIC's Data Collection and Analysis Section, 550 17th Street, NW, Washington, DC 20429, toll free on (800) 688-FDIC(3342), Monday through Friday between 8:00 a.m. and 5:00 p.m., Eastern Time. State member banks should contact their Federal Reserve District Bank.

FFIEC 041 Page 3 of 84

Contact Information for the Reports of Condition and Income

To facilitate communication between the Agencies and the bank concerning the Reports of Condition and Income, please provide contact information for (1) the Chief Financial Officer (or equivalent) of the bank signing the reports for this quarter, and (2) the person at the bank —other than the Chief Financial Officer (or equivalent)— to whom questions about the reports should be directed. If the Chief Financial Officer (or equivalent) is the primary contact for questions about the reports, please provide contact information for another person at the bank who will serve as a secondary contact for communications between the Agencies and the bank concerning the Reports of Condition and Income. Enter "none" for the contact's e-mail address or fax number if not available. Contact information for the Reports of Condition and Income is for the confidential use of the Agencies and will not be released to the public.

Chief Financial Officer (or Equivalent) Signing the Reports Other Person to Whom Questions about the Reports Should be Directed
Raja Dakkuri	John Maiale
Name (TEXT C490)	Name (TEXT C495)
EVP & Deputy CEO	Senior Vice President & CAO
Title (TEXT C491)	Title (TEXT C496)
[email protected]	[email protected]
E-mail Address (TEXT C492)	E-mail Address (TEXT 4086)
(212) 551-8750	(212) 551-8770
Area Code / Phone Number / Extension (TEXT C493)	Area Code / Phone Number / Extension (TEXT 8902)
(212) 551-8750	(212) 551-8770
Area Code / FAX Number (TEXT C494)	Area Code / FAX Number (TEXT 9116)

Chief Executive Officer Contact Information

This information is being requested so the Agencies can distribute notifications about policy initiatives, deposit insurance assessments, and other matters directly to the Chief Executive Officers of reporting institutions. Notifications about other matters may include emergency notifications that may or may not also be sent to the institution's emergency contacts listed below. Please provide contact information for the Chief Executive Officer of the reporting institution. Enter "none" for the Chief Executive Officer's e-mail address or fax number if not available. Chief Executive Officer contact information is for the confidential use of the Agencies and will not be released to the public.

Chief Executive Officer

Avner Mendelson	(212) 551-8501
Name (TEXT FT42)	Area Code / Phone Number / Extension (TEXT FT43)
[email protected]	(212) 551-8501
E-mail Address (TEXT FT44)	Area Code / FAX Number (TEXT FT45)

Emergency Contact Information

This information is being requested so the Agencies can distribute critical, time-sensitive information to emergency contacts at banks. Please provide primary contact information for a senior official of the bank who has decision-making authority. Also provide information for a secondary contact if available. Enter "none" for the contact's e-mail address or fax number if not available. Emergency contact information is for the confidential use of the Agencies and will not be released to the public.

Primary Contact	Secondary Contact
Raja Dakkuri	John Maiale
Name (TEXT C366)	Name (TEXT C371)
EVP & Deputy CEO	Senior Vice President & CAO
Title (TEXT C367)	Title (TEXT C372)
[email protected]	[email protected]
E-mail Address (TEXT C368)	E-mail Address (TEXT C373)
(212) 551-8750	(212) 551-8770
Area Code / Phone Number / Extension (TEXT C369)	Area Code / Phone Number / Extension (TEXT C374)
(212) 551-8750	(212) 551-8770
Area Code / FAX Number (TEXT C370)	Area Code / FAX Number (TEXT C375)

FFIEC 041 Page 4 of 84

USA PATRIOT Act Section 314(a) Anti-Money Laundering Contact Information

This information is being requested to identify points-of-contact who are in charge of your bank's USA PATRIOT Act Section 314(a) information requests. Bank personnel listed could be contacted by law enforcement officers or the Financial Crimes Enforcement Network (FinCEN) for additional information related to specific Section 314(a) search requests or other anti-terrorist financing and anti-money laundering matters. Communications sent by FinCEN to the bank for purposes other than Section 314(a) notifications will state the intended purpose and should be directed to the appropriate bank personnel for review. Any disclosure of customer records to law enforcement officers or FinCEN must be done in compliance with applicable law, including the Right to Financial Privacy Act (12 U.S.C. 3401 et seq.).

Please provide information for a primary and secondary contact. Information for a third and fourth contact may be provided at the bank's option. Enter "none" for the contact's e-mail address if not available. This contact information is for the confidential use of the Agencies, FinCEN, and law enforcement officers and will not be released to the public.

Primary Contact	Secondary Contact
Grisel Kaplan	Biagio Dibrita
Name (TEXT C437)	Name (TEXT C442)
Senior Vice President & BSA Officer	Senior Vice President
Title (TEXT C438)	Title (TEXT C443)
[email protected]	[email protected]
E-mail Address (TEXT C439)	E-mail Address (TEXT C444)
(212) 551-8258	(212) 551-8261
Area Code / Phone Number / Extension (TEXT C440)	Area Code / Phone Number / Extension (TEXT C445)
Third Contact	Fourth Contact
Katia Frias
Name (TEXT C870)	Name (TEXT C875)
Compliance Officer, VP
Title (TEXT C871)	Title (TEXT C876)
[email protected]
E-mail Address (TEXT C872)	E-mail Address (TEXT C877)
(212) 551-8130

Area Code / Phone Number / Extension (TEXT C873) Area Code / Phone Number / Extension (TEXT C878)

FFIEC 041 Page 5 of 84 RI-1

Consolidated Report of Income For the period January 1, 2025 — September 30, 2025

Schedule RI—Income Statement

	Dollar Amounts in Thousands RIAD	Amount
1. Interest income:
a. Interest and fee income on loans:
(1) Loans secured by real estate:
(a) Loans secured by 1-4 family residential properties	4435	5,956 1.a.1.a.
(b) All other loans secured by real estate	4436	283,257 1.a.1.b.
(2) Commercial and industrial loans	4012	155,242 1.a.2.
(3) Loans to individuals for household, family, and other personal expenditures:
(a) Credit cards	B485	87 1.a.3.a.
(b) Other (includes revolving credit plans other than credit cards, automobile loans, and
other consumer loans)	B486	1,109 1.a.3.b.
(4) Not applicable
(5) All other loans (1)	4058	56,369 1.a.5.
(6) Total interest and fee income on loans (sum of items 1.a.(1)(a) through 1.a.(5))	4010	502,020 1.a.6.
b. Income from lease financing receivables	4065	0 1.b.
c. Interest income on balances due from depository institutions (2)	4115	22,838 1.c.
d. Interest and dividend income on securities:
(1) U.S. Treasury securities and U.S. Government agency obligations
(excluding mortgage-backed securities)	B488	0 1.d.1.
(2) Mortgage-backed securities	B489	58,505 1.d.2.
(3) All other securities (includes securities issued by states and political
subdivisions in the U.S.)	4060	11,705 1.d.3.
e. Not applicable
f. Interest income on federal funds sold and securities purchased under agreements to resell	4020	0 1.f.
g. Other interest income	4518	1,400 1.g.
h. Total interest income (sum of items 1.a.(6) through 1.g)	4107	596,468 1.h.
2. Interest expense:
a. Interest on deposits:
(1) Transaction accounts (interest-bearing demand deposits, NOW accounts, ATS accounts,
and telephone and preauthorized transfer accounts)	4508	54,645 2.a.1.
(2) Nontransaction accounts:
(a) Savings deposits (includes MMDAs)	0093	161,958 2.a.2.a.
(b) Time deposits of \$250,000 or less	HK03	49,122 2.a.2.b.
(c) Time deposits of more than \$250,000	HK04	53,551 2.a.2.c.
b. Expense of federal funds purchased and securities sold under agreements to repurchase 4180		1,843 2.b.
c. Interest on trading liabilities and other borrowed money	4185	2,265 2.c.
d. Interest on subordinated notes and debentures	4200	0 2.d.
e. Total interest expense (sum of items 2.a through 2.d)	4073	323,384 2.e.
3. Net interest income (item 1.h minus 2.e)	273,084 4074	3.
4. Provisions for credit losses (3)	17,024 JJ33	4.

¹ Includes interest and fee income on "Loans to depository institutions and acceptances of other banks," "Loans to finance agricultural production and other loans to farmers," "Obligations (other than securities and leases) of states and political subdivisions in the U.S.," and "Loans to nondepository financial institutions and other loans."

² Includes interest income on time certificates of deposit not held for trading.

³ Institutions should report in item 4 the provisions for credit losses on all financial assets and off-balance-sheet credit exposures.

			Year-to-date
	Dollar Amounts in Thousands	RIAD	Amount
5. Noninterest income:
a. Income from fiduciary activities (1)		4070	4,765 5.a.
b. Service charges on deposit accounts		4080	2,590 5.b.
c. Trading revenue		A220	7,605 5.c.
d. Income from securities-related and insurance activities:
(1) Fees and commissions from securities brokerage		C886	8,779 5.d.1.
(2) Investment banking, advisory, and underwriting fees and commissions		C888	411 5.d.2.
(3) Fees and commissions from annuity sales		C887	0 5.d.3.
(4) Underwriting income from insurance and reinsurance activities		C386	0 5.d.4.
(5) Income from other insurance activities		C387	209 5.d.5.
e. Venture capital revenue		B491	0 5.e.
f. Net servicing fees		B492	0 5.f.
g. Net securitization income		B493	0 5.g.
h. Not applicable
i. Net gains (losses) on sales of loans and leases		5416	3 5.i.
j. Net gains (losses) on sales of other real estate owned		5415	0 5.j.
k. Net gains (losses) on sales of other assets (2)		B496	0 5.k.
l. Other noninterest income*		B497	36,206 5.l.
m. Total noninterest income (sum of items 5.a through 5.l)	60,568 4079		5.m.
6. a. Realized gains (losses) on held-to-maturity securities	3521	0	6.a.
b. Realized gains (losses) on available-for-sale debt securities	3196	0
7. Noninterest expense:			6.b.
a. Salaries and employee benefits		4135	126,870
b. Expenses of premises and fixed assets (net of rental income)			7.a.
(excluding salaries and employee benefits and mortgage interest)		4217	42,711
c. (1) Goodwill impairment losses		C216	7.b. 0
(2) Amortization expense and impairment losses for other intangible assets		C232	7.c.1. 0
		4092	7.c.2.
d. Other noninterest expense*			63,538 7.d.
e. Total noninterest expense (sum of items 7.a through 7.d)	233,119 4093		7.e.
8. a. Income (loss) before change in net unrealized holding gains (losses) on equity
securities not held for trading, applicable income taxes, and discontinued
operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e)	83,509 HT69		8.a.
b. Change in net unrealized holding gains (losses) on equity securities
not held for trading (3)	195 HT70		8.b.
c. Income (loss) before applicable income taxes and discontinued
operations (sum of items 8.a and 8.b)	83,704 4301		8.c.
9. Applicable income taxes (on item 8.c)	20,466 4302		9.
10. Income (loss) before discontinued operations (item 8.c minus item 9)	63,238 4300		10.
11. Discontinued operations, net of applicable income taxes*	FT28	0	11.
12. Net income (loss) attributable to bank and noncontrolling (minority)
interests (sum of items 10 and 11)	63,238 G104		12.
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	0	13.
14. Net income (loss) attributable to bank (item 12 minus item 13)	63,238 4340		14.

^* Describe on Schedule RI-E - Explanations

¹ For banks required to complete Schedule RC-T, items 14 through 22, income from fiduciary activities reported in Schedule RI, item 5.a, must equal the amount reported in Schedule RC-T, item 22.

² Exclude net gains (losses) on sales of trading assets and held-to-maturity and available-for-sale debt securities.

³ Item 8.b is to be completed by all institutions. See the instructions for this item and the Glossary entry for "Securities Activities" for further detail on accounting for investments in equity securities.

FFIEC 041 Page 7 of 84 RI-3

Memoranda

Not applicable

		Year-to-date
Dollar Amounts in Thousands	RIAD	Amount
1. Interest expense incurred to carry tax-exempt securities, loans, and leases acquired after	RIAD	Amount
August 7, 1986, that is not deductible for federal income tax purposes	4513	0	M.1.
Memorandum item 2 is to be completed by banks with \$1 billion or more in total assets.¹
2. Income from the sale and servicing of mutual funds and annuities
(included in Schedule RI, item 8)	8431	2,838	M.2.
3. Income on tax-exempt loans and leases to states and political subdivisions in the U.S.
(included in Schedule RI, items 1.a and 1.b) 4. Income on tax-exempt securities issued by states and political subdivisions in the U.S.	4313	9,024	M.3.
(included in Schedule RI, item 1.d.(3))	4507	2,433	M.4.
5. Number of full-time equivalent employees at end of current period		Number
(round to the nearest whole number)	4150	685	M.5.
Memorandum item 6 is to be completed by:¹ • banks with \$300 million or more in total assets, and • banks with less than \$300 million in total assets that have loans to finance agricultural production and other loans to farmers (Schedule RC-C, Part I, item 3) exceeding 5 percent of total loans.
6. Interest and fee income on loans to finance agricultural production and other loans to farmers	RIAD	Amount
(included in Schedule RI, item 1.a.(5))	4024	0	M.6.
7. If the reporting institution has applied pushdown accounting this calendar year, report the date of the institution's acquisition (see instructions) (2)	RIAD 9106	Date 00000000	M.7.
8. Not applicable
Memorandum items 9.a and 9.b are to be completed by banks with \$10 billion or more in total assets.¹
9. 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	C889	0	M.9.a.
b. Net gains (losses) on credit derivatives held for purposes other than trading	C890	0	M.9.b.
Memorandum item 10 is to be completed by banks with \$300 million or more in total assets.¹
10. Credit losses on derivatives (see instructions)	A251	0	M.10.
11. Does the reporting bank have a Subchapter S election in effect for federal income tax purposes	RIAD	YES / NO
for the current tax year?	A530	NO	M.11.

¹ The asset-size tests and the 5 percent of total loans test are based on the total assets and total loans reported on the June 30, 2024, Report of Condition.

² Report the date in YYYYMMDD format. For example, a bank acquired on March 1, 2025, would report 20250301.

Memoranda—Continued

		Year-to-date
Dollar Amounts in Thousands	RIAD	Amount
Memorandum item 13 is to be completed by banks that have elected to account for assets and liabilities under a fair value option.
13. 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	F551	NR	M.13.a.
(1) Estimated net gains (losses) on loans attributable to changes in instrument-specific
credit risk	F552	NR	M.13.a.1.
b. Net gains (losses) on liabilities	F553	NR	M.13.b.
(1) Estimated net gains (losses) on liabilities attributable to changes in instrument-specific
credit risk	F554	NR	M.13.b.1.
14. Not applicable
Memorandum item 15 is to be completed by institutions with \$1 billion or more in total assets¹ that answered "Yes" to Schedule RC-E, Memorandum item 5.
15. Components of service charges on deposit accounts (sum of Memorandum items 15.a through 15.d must equal Schedule RI, item 5.b): a. Consumer overdraft-related service charges levied on those transaction account and nontransaction savings account deposit products intended primarily for
individuals for personal, household, or family use	H032	NR	M.15.a.
b. Consumer account periodic maintenance charges levied on those transaction account and nontransaction savings account deposit products intended primarily for individuals
for personal, household, or family use	H033	NR	M.15.b.
c. Consumer customer automated teller machine (ATM) fees levied on those transaction
account and nontransaction savings account deposit products intended primarily for
individuals for personal, household, or family use	H034	NR	M.15.c.
d. All other service charges on deposit accounts	H035	NR	M.15.d.

¹ The \$1 billion asset-size test is based on the total assets reported on the June 30, 2024, Report of Condition.

Schedule RI-A—Changes in Bank Equity Capital

FFIEC 041 Page 9 of 84 RI-5

Dollar Amounts in Thousands	RIAD	Amount
1. Total bank equity capital most recently reported for the December 31, 2024, Reports of Condition
and Income (i.e., after adjustments from amended Reports of Income)	3217	1,310,749	1.
2. Cumulative effect of changes in accounting principles and corrections of material accounting
errors*	B507	0	2.
3. Balance end of previous calendar year as restated (sum of items 1 and 2)	B508	1,310,749	3.
4. Net income (loss) attributable to bank (must equal Schedule RI, item 14)	4340	63,238	4.
5. Sale, conversion, acquisition, or retirement of capital stock, net
(excluding treasury stock transactions)	B509	0	5.
6. Treasury stock transactions, net	B510	0	6.
7. Changes incident to business combinations, net	4356	0	7.
8. LESS: Cash dividends declared on preferred stock	4470	0	8.
9. LESS: Cash dividends declared on common stock	4460	0	9.
10. Other comprehensive income (1)	B511	31,845	10.
11. Other transactions with stockholders (including a parent holding company)*
(not included in items 5, 6, 8, or 9 above)	4415	0	11.
12. Total bank equity capital end of current period (sum of items 3 through 11)
(must equal Schedule RC, item 27.a)	3210	1,405,832	12.

^* Describe on Schedule RI-E—Explanations.

¹ Includes, but is not limited to, changes in net unrealized holding gains (losses) on available-for-sale debt securities, changes in accumulated net gains (losses) on cash flow hedges, and pension and other postretirement plan-related changes other than net periodic benefit cost.

FFIEC 041 Page 10 of 84 RI-6

Schedule RI-B—Charge-offs and Recoveries on Loans and Leases and Changes in Allowances for Credit Losses

Part I. Charge-offs and Recoveries on Loans and Leases

Part I includes charge-offs and recoveries through the allocated transfer risk reserve.		(Column A) Charge-offs¹ Calendar year-to-date		(Column B) Recoveries
Dollar Amounts in Thousands	RIAD	Amount	RIAD	Amount
1. Loans secured by real estate:
a. Construction, land development, and other land loans:
(1) 1-4 family residential construction loans	C891	0	C892	0	1.a.1.
(2) Other construction loans and all land development
and other land loans	C893	0	C894	0	1.a.2.
b. Secured by farmland	3584	0	3585	0	1.b.
c. Secured by 1-4 family residential properties:
(1) Revolving, open-end loans secured by 1-4 family residential
properties and extended under lines of credit	5411	0	5412	0	1.c.1.
(2) Closed-end loans secured by 1-4 family residential properties:
(a) Secured by first liens	C234	0	C217	0	1.c.2.a.
(b) Secured by junior liens	C235	0	C218	0	1.c.2.b.
d. Secured by multifamily (5 or more) residential properties	3588	465	3589	0	1.d.
e. Secured by nonfarm nonresidential properties:
(1) Loans secured by owner-occupied nonfarm nonresidential properties C895		0	C896	0	1.e.1.
(2) Loans secured by other nonfarm nonresidential properties	C897	0	C898	0	1.e.2.
2. and 3. Not applicable
4. Commercial and industrial loans	4638	4,790	4608	173	4.
5. Loans to individuals for household, family, and other personal
expenditures:
a. Credit cards	B514	0	B515	0	5.a.
b. Automobile loans	K129	0	K133	0	5.b.
c. Other (includes revolving credit plans other than credit cards
and other consumer loans)	K205	0	K206	0	5.c.
6. Not applicable
7. All other loans (2)	4644	0	4628	109	7.
8. Lease financing receivables	4266	0	4267	0	8.
9. Total (sum of items 1 through 8)	4635	5,255	4605	282	9.

¹ Include write-downs arising from transfers of loans to a held-for-sale account.

² Includes charge-offs and recoveries on"Loans to depository institutions and acceptances of other banks," "Loans to finance agricultural production and other loans to farmers," "Obligations (other than securities and leases) of states and political subdivisions in the U.S.," and "Loans to non-depository financial institutions and other loans."

FFIEC 041 Page 11 of 84 RI-7

Dollar Amounts in Thousands RIAD Amount RIAD Amount 1. Loans to finance commercial real estate, construction, and land development activities (not secured by real estate) included in Schedule RI-B, Part I, items 4 and 7, above 0 0 5409 5410 M.1. 2. Memorandum items 2.a through 2.d are to be completed by banks with \$300 million or more in total assets:² a. Loans secured by real estate to non-U.S. addressees (domicile) (included in Schedule RI-B, Part I, item 1, above) 0 0 4652 4662 b. Not applicable c. Commercial and industrial loans to non-U.S. addressees (domicile) (included in Schedule RI-B, Part I, item 4, above) 0 0 4646 4618 d. Leases to individuals for household, family, and other personal expenditures (included in Schedule RI-B, Part I, item 8, above) F185 0 0 F187 Memorandum item 3 is to be completed by:² • banks with \$300 million or more in total assets, and • banks with less than \$300 million in total assets that have loans to finance agricultural production and other loans to farmers (Schedule RC-C, Part I, item 3) exceeding 5 percent of total loans. 3. Loans to finance agricultural production and other loans to farmers (included in Schedule RI-B, Part I, item 7, above) 0 0 4655 4665 M.3.	Memoranda	(Column A) Charge-offs¹ Calendar year-to-date	(Column B) Recoveries





				M.2.a.


				M.2.c.

				M.2.d.

Memorandum item 4 is to be completed by banks that (1) 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) are credit card specialty banks as defined for Uniform Bank Performance Report purposes.

Uncollectible retail credit card fees and finance charges reversed against income M.4. Calendar Year-to-date RIAD Amount (i.e., not included in charge-offs against the allowance for credit losses on loans and leases).......................................... C388 NR

¹ Include write-downs arising from transfers of loans to a held-for-sale account.

² The \$300 million asset-size test and the 5 percent of total loans test are based on the total assets and total loans reported on the June 30, 2024, Report of Condition.

Part II. Changes in Allowances for Credit Losses

		(Column A)		(Column B)		(Column C)
		Loans and Leases	Held-to-Maturity			Available-for-Sale
		Held for Investment		Debt Securities	Debt Securities
Dollar Amounts in Thousands	RIAD	Amount	RIAD	Amount	RIAD	Amount
1. Balance most recently reported for the December 31, 2024, Reports
of Condition and Income (i.e., after adjustments from amended
Reports of Income)	B522	74,585	JH88	3	JH94	0	1.
2. Recoveries (column A must equal Part I, item 9, column B, above) 4605		282	JH89	0	JH95	0	2.
3. LESS: Charge-offs (column A must equal Part I, item 9, column A,
above less Schedule RI-B, Part II, item 4, column A)	C079	5,255	JH92	0	JH98	0	3.
4. LESS: Write-downs arising from transfers of financial assets 5523		0	JJ00	0	JJ01	0	4.
5. Provisions for credit losses (1)	4230	18,295	JH90		(1) JH96	0	5.
6. Adjustments* (see instructions for this schedule) C233		0	JH91	0	JH97	0	6.
7. Balance end of current period (sum of items 1, 2, 5, and 6, less
items 3 and 4) (column A must equal Schedule RC, item 4.c) 3123		87,907	JH93	2	JH99	0	7.

^* Describe on Schedule RI-E - Explanations.

Memoranda

Dollar Amounts in Thousands	RIAD	Amount
1. Allocated transfer risk reserve included in Schedule RI-B, Part II, item 7, column A, above	C435	0 M.1.
Memorandum items 2 and 3 are to be completed by banks that (1) 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) are credit card specialty banks as defined for Uniform Bank Performance Report purposes.
2. Separate valuation allowance for uncollectible retail credit card fees and finance charges	C389	NR M.2.
3. Amount of allowance for credit losses on loans and leases attributable to retail credit card fees and finance charges	C390	NR M.3.
4. Not applicable 5. Provisions for credit losses on other financial assets measured at amortized cost (not included in
item 5, above)	JJ02	0 M.5.
6. Allowance for credit losses on other financial assets measured at amortized cost (not included in	RCON
item 7, above)	JJ03	0 M.6.
	RIAD
7. Provisions for credit losses on off-balance-sheet credit exposures MG93		(1,270) M.7.
8. Estimated amount of expected recoveries of amounts previously written off included within the allowance for credit losses on loans and leases held for investment (included in item 7, column A,
"Balance end of current period," above)	MG94	0 M.8.

¹ The sum of item 5, columns A through C, plus Schedule RI-B, Part II, Memorandum items 5 and 7, below, must equal Schedule RI, item 4.

Schedule RI-C—Disaggregated Data on the Allowances for Credit Losses

FFIEC 041 Page 13 of 84 RI-9

Schedule RI-C is to be completed by institutions with \$1 billion or more in total assets.¹

		(Column A) Amortized Cost	Allowance Balance
Dollar Amounts in Thousands	RCON	Amount	RCON	Amount
Loans and Leases Held for Investment:
1. Real estate loans:
a. Construction loans	JJ04	705,379	JJ12	2,106	1.a.
b. Commercial real estate loans	JJ05	3,892,277	JJ13	17,234	1.b.
c. Residential real estate loans	JJ06	1,463,987	JJ14	23,472	1.c.
2. Commercial loans (2)	JJ07	4,090,713	JJ15	44,675	2.
3. Credit cards	JJ08	8,734	JJ16	35	3.
4. Other consumer loans	JJ09	19,928	JJ17	385	4.
5. Unallocated, if any			JJ18	0	5.
6. Total (sum of items 1.a through 5) (3)	JJ11	10,181,018	JJ19	87,907	6.

		Allowance Balance
Dollar Amounts in Thousands	RCON	Amount
Held-to-Maturity Securities:
7. Securities issued by states and political subdivisions in the U.S	JJ20	2	7.
8. Mortgage-backed securities (MBS) (including CMOs, REMICs, and stripped MBS)	JJ21	0	8.
9. Asset-backed securities and structured financial products	JJ23	0	9.
10. Other debt securities	JJ24	0	10.
11. Total (sum of items 7 through 10) (4)	JJ25	2	11.

¹ The \$1 billion asset-size test is based on the total assets reported on the June 30, 2024, Report of Condition.

² Include all loans and leases not reported as real estate loans, credit cards, or other consumer loans in items 1, 3, or 4 of Schedule RI-C.

³ Item 6, column B, must equal Schedule RC, item 4.c.

⁴ Item 11 must equal Schedule RI-B, Part II, item 7, column B.

FFIEC 041 Page 14 of 84 RI-10

Schedule RI-E—Explanations

Schedule RI-E is to be completed each quarter on a calender year-to-date basis.

Detail all adjustments in Schedule RI-A and RI-B, all discontinued operations in Schedule RI, and all significant items of other noninterest income and other noninterest expense in Schedule RI (See instructions for details.)

		Year-to-date
Dollar Amounts in Thousands	RIAD	Amount
1. Other noninterest income (from Schedule RI, item 5.l)
Itemize and describe amounts greater than \$100,000 that exceed 7% of Schedule RI, item 5.l:
a. Income and fees from the printing and sale of checks	C013	0
b. Earnings on/increase in value of cash surrender value of life insurance	C014	5,814
c. Income and fees from automated teller machines (ATMs)	C016	0
d. Rent and other income from other real estate owned	4042	0
e. Safe deposit box rent	C015	0
f. Bank card and credit card interchange fees	F555	0
g. Income and fees from wire transfers not reportable as service charges on deposit accounts	T047	0
TEXT
h. 4461 Gain on Non-trading Derivatives	4461	3,857
TEXT
i. 4462 Fees from Safekeeping	4462	5,330
TEXT
j. 4463 Fees from Cash Management	4463	5,259
2. Other noninterest expense (from Schedule RI, item 7.d)
Itemize and describe amounts greater than \$100,000 that exceed 7% of Schedule RI, item 7.d:
a. Data processing expenses	C017	0
b. Advertising and marketing expenses	0497	0
c. Directors' fees	4136	0
d. Printing, stationery, and supplies	C018	0
e. Postage	8403	0
f. Legal fees and expenses	4141	0
g. FDIC deposit insurance assessments	4146	15,860
h. Accounting and auditing expenses	F556	0
	F557
i. Consulting and advisory expenses		6,883
j. Automated teller machine (ATM) and interchange expenses	F558	0
k. Telecommunications expenses	F559	0
l. Other real estate owned expenses	Y923	0
m. Insurance expenses (not included in employee expenses, premises and fixed asset expenses,
and other real estate owned expenses)	Y924	0
TEXT
n. 4464 Cost of Outsourcing	4464	14,147
TEXT
o. 4467	4467	0
TEXT
p. 4468	4468	0
3. Discontinued operations and applicable income tax effect (from Schedule RI, item 11)
(itemize and describe each discontinued operation):
TEXT
a. (1) FT29	FT29	0
(2) Applicable income tax effect FT30	0
TEXT
b. (1) FT31	FT31	0
(2) Applicable income tax effect FT32	0

FFIEC 041 Page 15 of 84 RI-11

		Year-to-date
Dollar Amounts in Thousands	RIAD	Amount
4. Cumulative effect of changes in accounting principles and corrections of material accounting errors (from Schedule RI-A, item 2) (itemize and describe all such effects):
TEXT a. B526	B526	0	4.a.
TEXT
b. B527	B527	0	4.b.
5. Other transactions with stockholders (including a parent holding company) (from Schedule RI-A, item 11) (itemize and describe all such transactions): TEXT
a. 4498	4498	0	5.a.
TEXT b. 4499	4499	0	5.b.
6. Adjustments to allowances for credit losses (from Schedule RI-B, Part II, item 6)
(itemize and describe all adjustments): a. Initial allowances for credit losses recognized upon the acquisition of purchased credit
deteriorated assets (1) TEXT	JJ27	0	6.a.
b. 4521	4521	0	6.b.
TEXT c. 4522	4522	0	6.c.
7. Other explanations (the space below is provided for the bank to briefly describe, at its option, any other significant items affecting the Report of Income):
	RIAD	YES / NO
Comments?	4769	NO	7.

Other explanations (please type or print clearly; 750 character limit): (TEXT 4769)

¹ Institutions should report initial allowances for credit losses recognized upon the acquisition of purchased credit-deteriorated assets after the adoption of FASB ASC Topic 326.

FFIEC 041 Page 16 of 84 RC-1

Consolidated Report of Condition for Insured Banks and Savings Associations for September 30, 2025

All schedules are to be reported in thousands of dollars. Unless otherwise indicated, report the amount outstanding as of the last business day of the quarter.

Schedule RC—Balance Sheet

	Dollar Amounts in Thousands	RCON	Amount
Assets
1. Cash and balances due from depository institutions (from Schedule RC-A):
a. Noninterest-bearing balances and currency and coin (1)		0081	16,391	1.a.
b. Interest-bearing balances (2)		0071	830,421	1.b.
2. Securities:
a. Held-to-maturity securities (from Schedule RC-B, column A) (3)		JJ34	1,020,058	2.a.
b. Available-for-sale debt securities (from Schedule RC-B, column D)		1773	1,617,926	2.b.
c. Equity securities with readily determinable fair values not held for trading (4)		JA22	9,883	2.c.
3. Federal funds sold and securities purchased under agreements to resell:
a. Federal funds sold		B987	0	3.a.
b. Securities purchased under agreements to resell (5,6)		B989	0	3.b.
4. Loans and lease financing receivables (from Schedule RC-C):
a. Loans and leases held for sale		5369	0	4.a.
b. Loans and leases held for investment	10,181,018 B528			4.b.
c. LESS: Allowance for credit losses on loans and leases	3123	87,907		4.c.
d. Loans and leases held for investment, net of allowance (item 4.b minus 4.c)		B529	10,093,111	4.d.
5. Trading assets (from Schedule RC-D)		3545	143,209	5.
6. Premises and fixed assets (including right-of-use assets)		2145	159,778	6.
7. Other real estate owned (from Schedule RC-M)		2150	0	7.
8. Investments in unconsolidated subsidiaries and associated companies 2130			1,270	8.
9. Direct and indirect investments in real estate ventures		3656	0	9.
10. Intangible assets (from Schedule RC-M)		2143	0	10.
11. Other assets (from Schedule RC-F) (6)		2160	526,960	11.
12. Total assets (sum of items 1 through 11)		2170	14,419,007	12.
Liabilities
13. Deposits:
a. In domestic offices (sum of totals of columns A and C from Schedule RC-E)		2200	12,408,576	13.a.
(1) Noninterest-bearing (7)	6631	569,715		13.a.1.
(2) Interest-bearing	11,838,861 6636			13.a.2.
b. Not applicable
14. Federal funds purchased and securities sold under agreements to repurchase:
a. Federal funds purchased (8)		B993	0	14.a.
b. Securities sold under agreements to repurchase (9)		B995	0	14.b.
15. Trading liabilities (from Schedule RC-D)		3548	122,622	15.
16. Other borrowed money (includes mortgage indebtedness) (from Schedule RC-M)		3190	102,798	16.
17. and 18. Not applicable
19. Subordinated notes and debentures (10)		3200	0	19.

¹ Includes cash items in process of collection and unposted debits.

² Includes time certificates of deposit not held for trading.

³ Institutions should report in item 2.a amounts net of any applicable allowance for credit losses, and item 2.a should equal Schedule RC-B, item 8, column A, less Schedule RI-B, Part II, item 7, column B.

⁴ Item 2.c is to be completed by all institutions. See the instructions for this item and the Glossary entry for "Securities Activities" for further detail on accounting for investments in equity securities.

⁵ Includes all securities resale agreements, regardless of maturity.

⁶ Institutions should report in items 3.b and 11 amounts net of any applicable allowance for credit losses.

⁷ Includes noninterest-bearing, demand, time, and savings deposits.

⁸ Report overnight Federal Home Loan Bank advances in Schedule RC, item 16, "Other borrowed money."

⁹ Includes all securities repurchase agreements, regardless of maturity.

¹⁰ Includes limited-life preferred stock and related surplus.

FFIEC 041 Page 17 of 84 RC-2

Dollar Amounts in Thousands	RCON	Amount
Liabilities—continued
20. Other liabilities (from Schedule RC-G)	2930	379,179	20.
21. Total liabilities (sum of items 13 through 20)	2948	13,013,175	21.
22. Not applicable
Equity Capital
Bank Equity Capital
23. Perpetual preferred stock and related surplus	3838	0	23.
24. Common stock	3230	75,259	24.
25. Surplus (excludes all surplus related to preferred stock)	3839	24,393	25.
26. a. Retained earnings	3632	1,388,640	26.a.
b. Accumulated other comprehensive income (1)	B530	(82,460)	26.b.
c. Other equity capital components (2)	A130	0	26.c.
27. a. Total bank equity capital (sum of items 23 through 26.c)	3210	1,405,832	27.a.
b. Noncontrolling (minority) interests in consolidated subsidiaries	3000	0	27.b.
28. Total equity capital (sum of items 27.a and 27.b)	G105	1,405,832	28.
29. Total liabilities and equity capital (sum of items 21 and 28)	3300	14,419,007	29.

Memoranda

To be reported with the March Report of Condition.

Indicate in the box at the right the number of the statement below that best describes the most comprehensive level of auditing work performed for the bank by independent external auditors as of any date during 2024................................................................................................................................. 6724 NR

RCON	Number
		M.1.

1a = An integrated audit of the reporting institution's financial state- 3 = This number is not to be used ments and its internal control over financial reporting conducted 4 = Directors' examination of the bank conducted in accordance in accordance with the standards of the American Institute of with generally accepted auditing standards by a certified Certified Public Accountants (AICPA) or the Public Company public accounting firm (may be required by state-chartering Accounting Oversight Board (PCAOB) by an independent public authority)
1b = An audit of the reporting institution's financial statements only auditors (may be required by state-chartering authority) conducted in accordance with the auditing standards of the 6 = Review of the bank's financial statements by external AICPA or the PCAOB by an independent public accountant that auditors
2a = An integrated audit of the reporting institution's parent holding auditors company's consolidated financial statements and its internal con- 8 = Other audit procedures (excluding tax preparation work) trol over financial reporting conducted in accordance with the 9 = No external audit work standards of the AICPA or the PCAOB by an independent public accountant that submits a report on the consolidated holding company (but not on the institution separately)
2b = An audit of the reporting institution's parent holding company's consolidated financial statements only conducted in accordance with the auditing standards of the AICPA or the PCAOB by an independent public accountant that submits a report on the consolidated holding company (but not on the institution separately)
accountant that submits a report on the institution 5 = Directors' examination of the bank performed by other external
submits a report on the institution 7 = Compilation of the bank's financial statements by external

To be reported with the March Report of Condition.

Bank's fiscal year-end date (report the date in MMDD format)...................................................................................... 8678 NR

RCON	Date
		M.2.

¹ Includes, but is not limited to, net unrealized holding gains (losses) on available-for-sale securities, accumulated net gains (losses) on cash flow hedges, and accumulated defined benefit pension and other postretirement plan adjustments.

² Includes treasury stock and unearned Employee Stock Ownership Plan shares.

Schedule RC-A—Cash and Balances Due From Depository Institutions

FFIEC 041 Page 18 of 84 RC-3

Schedule RC-A is to be completed only by banks with \$300 million or more in total assets.¹ Exclude assets held for trading.

Dollar Amounts in Thousands	RCON	Amount
1. Cash items in process of collection, unposted debits, and currency and coin:
a. Cash items in process of collection and unposted debits	0020	0	1.a.
b. Currency and coin	0080	2,298	1.b.
2. Balances due from depository institutions in the U.S	0082	9,423	2.
3. Balances due from banks in foreign countries and foreign central banks	0070	282,358	3.
4. Balances due from Federal Reserve Banks	0090	552,733	4.
5. Total (sum of items 1 through 4) (must equal Schedule RC, sum of items 1.a and 1.b)	0010	846,812	5.

¹ The \$300 million asset-size test is based on the total assets reported on the June 30, 2024, Report of Condition.

Schedule RC-B—Securities

Exclude assets held for trading.

	Held-to-maturity				Available-for-sale
		(Column A)		(Column B)		(Column C)	(Column D)
		Amortized Cost		Fair Value		Amortized Cost		Fair Value
Dollar Amounts in Thousands	RCON	Amount	RCON	Amount	RCON	Amount	RCON	Amount
1. U.S. Treasury securities	0211	0	0213	0	1286	0	1287	0 1.
2. U.S. Government agency and sponsored
agency obligations (exclude mortgage
backed securities) (1) HT50		0	HT51	0	HT52	0	HT53	0 2.
3. Securities issued by states and
political subdivisions in the U.S	8496	13,362	8497	12,657	8498	101,147	8499	98,193 3.

¹ Includes Small Business Administration "Guaranteed Loan Pool Certificates," U.S. Maritime Administration obligations", Export –Import Bank participation certificates", and 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 Resolution Funding Corporation, the Student Loan Marketing Association, and the Tennessee Valley Authority.

FFIEC 041 Page 19 of 84 RC-4

		Held-to-maturity			Available-for-sale
		(Column A)		(Column B)		(Column C)	(Column D)
		Amortized Cost		Fair Value	Amortized Cost		Fair Value
Dollar Amounts in Thousands	RCON	Amount	RCON	Amount	RCON	Amount	RCON	Amount
4. Mortgage-backed securities (MBS):
a. Residential mortgage
pass-through securities:
(1) Guaranteed by GNMA	G300	1,579	G301	1,574	G302	21,572	G303	21,234	4.a.1.
(2) Issued by FNMA
and FHLMC	G304	6,354	G305	5,761	G306	10,797	G307	9,603	4.a.2.
(3) Other pass-through securities G308		0	G309	0	G310	0	G311	0	4.a.3.
b. Other residential mortgage-backed
securities (include CMOs, REMICs,
and stripped MBS):
(1) Issued or guaranteed by
U.S. Government agencies
or sponsored agencies (1)	G312	921,116	G313	838,817	G314	1,224,109	G315	1,161,199	4.b.1.
(2) Collateralized by MBS issued or
guaranteed by U.S. Government
agencies or sponsored agencies (1)	G316	0	G317	0	G318	0	G319	0	4.b.2.
(3) All other residential MBS G320		0	G321	0	G322	0	G323	0	4.b.3.
c. Commercial MBS:
(1) Commercial mortgage pass-
through securities:
(a) Issued or guaranteed by
FNMA, FHLMC, or GNMA K142		0	K143	0	K144	0	K145	0	4.c.1.a.
(b) Other pass-through securities	K146	0	K147	0	K148	0	K149	0	4.c.1.b.

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).

FFIEC 041 Page 20 of 84 RC-5

Schedule RC-B—Continued

		Held-to-maturity			Available-for-sale
		(Column A)		(Column B)	(Column C)		(Column D)
		Amortized Cost	Fair Value			Amortized Cost	Fair Value
Dollar Amounts in Thousands	RCON	Amount	RCON	Amount	RCON	Amount	RCON	Amount
4. c.(2) Other commercial MBS:
(a) Issued or guaranteed by
U.S. Government agencies
or sponsored agencies (1) K150		77,649	K151	63,959	K152	190,198	K153	153,305	4.c.2.a.
(b) All other commercial MBS	K154	0	K155	0	K156	0	K157	0	4.c.2.b.
5. Asset-backed securities and
structured financial products:
a. Asset-backed
securities (ABS)	C026	0	C988	0	C989	0	C027	0	5.a.
b. Structured financial
products	HT58	0	HT59	0	HT60	0	HT61	0	5.b.
6. Other debt securities:
a. Other domestic debt
securities 1737		0	1738	0	1739	4,351	1741	4,384	6.a.
b. Other foreign debt
securities 1742		0	1743	0	1744	171,100	1746	170,008	6.b.
7. Unallocated portfolio
layer fair value hedge
basis adjustments (2)					MG95	0			7.
8. Total (sum of items 1
through 7) (3)	1754	1,020,060	1771	922,768	1772	1,723,274	1773	1,617,926	8.

² This item is to be completed by institutions that have adopted ASU 2022-01, as applicable.

³ The total reported in column A must equal Schedule RC, item 2.a, plus Schedule RI-B, Part II, item 7, column B. The total reported in column D must equal Schedule RC, item 2.b.

FFIEC 041 Page 21 of 84 RC-6

Schedule RC-B—Continued

Memoranda

Dollar Amounts in Thousands	RCON	Amount
1. Pledged securities (1)	0416	1,734,672	M.1.
2. Maturity and repricing data for debt securities (excluding those in nonaccrual status):
a. Securities issued by the U.S. Treasury, U.S. Government agencies, and states and political
subdivisions in the U.S.; other non-mortgage debt securities; and mortgage pass-through
securities other than those backed by closed-end first lien 1-4 family residential mortgages
with a remaining maturity or next repricing date of: (2,3)
(1) Three months or less	A549	0	M.2.a.1.
(2) Over three months through 12 months	A550	0	M.2.a.2.
(3) Over one year through three years	A551	0	M.2.a.3.
(4) Over three years through five years	A552	17,843	M.2.a.4.
(5) Over five years through 15 years	A553	97,142	M.2.a.5.
(6) Over 15 years	A554	170,962	M.2.a.6.
b. Mortgage pass-through securities backed by closed-end first lien 1-4 family residential
mortgages with a remaining maturity or next repricing date of: (2,4)
(1) Three months or less	A555	700	M.2.b.1.
(2) Over three months through 12 months	A556	5,443	M.2.b.2.
(3) Over one year through three years	A557	2,554	M.2.b.3.
(4) Over three years through five years	A558	11,205	M.2.b.4.
(5) Over five years through 15 years	A559	6,273	M.2.b.5.
(6) Over 15 years	A560	12,595	M.2.b.6.
c. Other mortgage-backed securities (include CMOs, REMICs, and stripped MBS; exclude
mortgage pass-through securities) with an expected average life of: (5)
(1) Three years or less	A561	549,897	M.2.c.1.
(2) Over three years	A562	1,763,372	M.2.c.2.
d. Debt securities with a REMAINING MATURITY of one year or less (included
in Memorandum items 2.a through 2.c above)	A248	0	M.2.d.
Memorandum item 3 is to be completed semiannually in the June and December reports only.
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) 1778		NR	M.3.
4. Structured notes (included in the held-to-maturity and available-for-sale accounts in
Schedule RC-B, items 2, 3, 5, and 6):
a. Amortized cost	8782	0	M.4.a.
b. Fair value	8783	0	M.4.b.

¹ Includes held-to-maturity securities at amortized cost, available-for-sale debt securities at fair value, and equity securities with readily determinable fair values not held for trading (reported in Schedule RC, item 2.c) at fair value.

² Report fixed rate debt securities by remaining maturity and floating rate debt securities by next repricing date.

³ Sum of Memorandum items 2.a.(1) through 2.a.(6) plus any nonaccrual debt securities in the categories of debt securities reported in Memorandum item 2.a that are included in Schedule RC-N, item 10, column C, must equal Schedule RC-B, sum of items 1, 2, 3, 4.c.(1), 5, and 6, columns A and D, plus residential mortgage pass-through securities other than those backed by closed-end first lien 1 –4 family residential mortgages included in Schedule RC-B, item 4.a, columns A and D.

⁴ Sum of Memorandum items 2.b.(1) through 2.b.(6) plus any nonaccrual mortgage pass-through securities backed by closed-end first lien 1 –4 family residential mortgages included in Schedule RC-N, item 10, column C, must equal Schedule RC-B, item 4.a, sum of columns A and D, less the amount of residential mortgage pass-through securities other than those backed by closed-end first lien 1 –4 family residential mortgages included in Schedule RC-B, item 4.a, columns A and D.

⁵ Sum of Memorandum items 2.c.(1) and 2.c.(2) plus any nonaccrual "Other mortgage-backed securities" included in Schedule RC-N, item 10, column C, must equal Schedule RC-B, sum of items 4.b and 4.c.(2), columns A and D.

FFIEC 041 Page 22 of 84 RC-7

Schedule RC-B—Continued

Memoranda—Continued
---------------------	--	--

	Held-to-maturity				Available-for-sale
		(Column A)		(Column B)		(Column C)		(Column D)
		Amortized Cost		Fair Value		Amortized Cost		Fair Value
Dollar Amounts in Thousands	RCON	Amount	RCON	Amount	RCON	Amount	RCON	Amount
Memorandum items 5.a through 5.f
and 6.a through 6.g are to be
completed by banks with \$10 billion
or more in total assets.¹
5. Asset-backed securities (ABS)
(for each column, sum of
Memorandum items 5.a
through 5.f must equal
Schedule RC-B, item 5.a):
a. Credit card
receivables	B838	0	B839	0	B840	0	B841	0	M.5.a.
b. Home equity lines	B842	0	B843	0	B844	0	B845	0	M.5.b.
c. Automobile loans B846		0	B847	0	B848	0	B849	0	M.5.c.
d. Other consumer loans	B850	0	B851	0	B852	0	B853	0	M.5.d.
e. Commercial and
industrial loans	B854	0	B855	0	B856	0	B857	0	M.5.e.
f. Other	B858	0	B859	0	B860	0	B861	0	M.5.f.
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 RC-B, item 5.b):
a. Trust preferred
securities issued by
financial institutions b. Trust preferred securities	G348	0	G349	0	G350	0	G351	0	M.6.a.
issued by real estate
investment trusts	G352	0	G353	0	G354	0	G355	0	M.6.b.
c. Corporate and similar
loans	G356	0	G357	0	G358	0	G359	0	M.6.c.
d. 1-4 family residential
MBS issued or guaran-
teed by U.S.
Government-sponsored
enterprises (GSEs) G360		0	G361	0	G362	0	G363	0	M.6.d.
e. 1-4 family residential
MBS not issued or
guaranteed by GSEs	G364	0	G365	0	G366	0	G367	0	M.6.e.
f. Diversified (mixed)
pools of structured
financial products	G368	0	G369	0	G370	0	G371	0	M.6.f.
g. Other collateral or
reference assets G372		0	G373	0	G374	0	G375	0	M.6.g.
7. Guaranteed by U.S.
Government agencies
or sponsored agencies
included in Schedule
RC-B, item 5.b PU98		0	PU99	0	PV00	0	PV01	0	M.7.

¹ The \$10 billion asset-size test is based on the total assets reported on the June 30, 2024, Report of Condition.

FFIEC 041 Page 23 of 84 RC-8

Schedule RC-C—Loans and Lease Financing Receivables

Part I. Loans and Leases

Do not deduct the allowance for credit losses on loans and leases or the allocated transfer risk reserve 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) (Column B) To Be Completed To Be Completed by Banks with by All Banks \$300 Million or More in Total Assets¹
Dollar Amounts in Thousands RCON Amount RCON Amount
1. Loans secured by real estate:
a. Construction, land development, and other land loans:
(1) 1-4 family residential construction loans F158	11,728 1.a.1.
(2) Other construction loans and all land development and other land loans F159	693,651 1.a.2.
b. Secured by farmland (including farm residential and other improvements) 1420	0 1.b.
c. Secured by 1-4 family residential properties:
(1) Revolving, open-end loans secured by 1-4 family residential
properties and extended under lines of credit 1797	0 1.c.1.
(2) Closed-end loans secured by 1-4 family residential properties:
(a) Secured by first liens 5367	197,187 1.c.2.a.
(b) Secured by junior liens 5368	3,700 1.c.2.b.
d. Secured by multifamily (5 or more) residential properties 1460	1,263,147 1.d.
e. Secured by nonfarm nonresidential properties:
(1) Loans secured by owner-occupied nonfarm nonresidential
properties F160	1,652,542 1.e.1.
(2) Loans secured by other nonfarm nonresidential properties F161	2,251,256 1.e.2.
2. Loans to depository institutions and acceptances of other banks 1288	0 2.
a. To commercial banks in the U.S.: 0 B531	2.a.
b. To other depository institutions in the U.S 0 B534	2.b.
c. To banks in foreign countries 0 B535	2.c.
3. Loans to finance agricultural production and other loans to farmers 1590	0 3.
4. Commercial and industrial loans 1766	2,921,074 4.
a. To U.S. addressees (domicile) 2,888,715 1763	4.a.
b. To non-U.S. addressees (domicile) 32,359 1764 5. Not applicable	4.b.
6. Loans to individuals for household, family, and other personal expenditures
(i.e., consumer loans) (includes purchased paper):
a. Credit cards B538	1,630 6.a.
b. Other revolving credit plans B539	6,707 6.b.
c. Automobile loans K137	0 6.c.
d. Other consumer loans (includes single payment and installment, loans
other than automobile loans, and all student loans) K207	13,410 6.d.
7. Not applicable
8. Obligations (other than securities and leases) of states and political
subdivisions in the U.S 2107	0 8.

¹ The \$300 million asset-size test is based on the total assets reported on the June 30, 2024, Report of Condition.

FFIEC 041 Page 24 of 84 RC-9

Schedule RC-C—Continued

Part I. Continued

	(Column A) To Be Completed by Banks with		(Column B) To Be Completed by All Banks
		\$300 Million or More
Dollar Amounts in Thousands	RCON	in Total Assets¹ Amount	RCON	Amount
9. Loans to nondepository financial institutions and other loans:
a. Loans to nondepository financial institutions			J454	423,734	9.a.
b. Other loans			J464	766,036	9.b.
(1) Loans for purchasing or carrying securities, including
margin loans	1545	0			9.b.1.
(2) All other loans (exclude consumer loans)	J451	766,036			9.b.2.
10. Lease financing receivables (net of unearned income)			2165	0	10.
a. Leases to individuals for household, family, and other personal
expenditures (i.e., consumer leases)	F162	0			10.a.
b. All other leases	F163	0			10.b.
11. LESS: Any unearned income on loans reflected in items 1-9 above			2123	24,784	11.
12. Total loans and leases held for investment and held for sale (sum of items 1 through 10 minus item 11)
(must equal Schedule RC, sum of items 4.a and 4.b)			2122	10,181,018	12.

Memoranda

	Dollar Amounts in Thousands	RCON	Amount
1. Loan modifications to borrowers experiencing financial difficulty that are in compliance
with their modified terms (included in Schedule RC-C, Part I, and not reported as past due
or nonaccrual in Schedule RC-N, Memorandum item 1):
a. Construction, land development, and other land loans:
(1) 1-4 family residential construction loans		K158	0	M.1.a.1.
(2) Other construction loans and all land development and other land loans		K159	0	M.1.a.2.
b. Loans secured by 1-4 family residential properties		F576	0	M.1.b.
c. Secured by multifamily (5 or more) residential properties		K160	0	M.1.c.
d. Secured by nonfarm nonresidential properties:
(1) Loans secured by owner-occupied nonfarm nonresidential properties		K161	54,980	M.1.d.1.
(2) Loans secured by other nonfarm nonresidential properties		K162	34,916	M.1.d.2.
e. Commercial and industrial loans		K256	100,988	M.1.e.
Memorandum items 1.e.(1) and (2) are to be completed by banks with \$300 millon or more in total assets¹ (sum of Memorandum items 1.e.(1) and (2) must equal Memorandum item 1.e):
(1) To U.S. addressees (domicile)	100,988 K163			M.1.e.1.
(2) To non-U.S. addressees (domicile)	K164	0		M.1.e.2.
f. All other loans (include loans to individuals for household, family, and other personal
expenditures)		K165	7,838	M.1.f.

Itemize loan categories included in Memorandum item 1.f, above that exceed 10 percent of
total loan modifications to borrowers experiencing financial difficulty that are in compli-
ance with their modified terms (sum of Memorandum items 1.a through 1.e plus 1.f):

(1) Loans secured by farmland	K166	0		M.1.f.1.
(2) and (3) Not applicable

¹ The \$300 million asset-size test is based on the total assets reported on the June 30, 2024, Report of Condition.

FFIEC 041 Page 25 of 84 RC-10

Schedule RC-C—Continued

Part I—Continued

Memoranda—Continued

Dollar Amounts in Thousands	RCON	Amount	RCON	Amount
1. f. (4) Loans to individuals for household, family, and other personal expenditures:
(a) Credit cards	K098	0			M.1.f.4.a.
(b) Automobile loans	K203	0			M.1.f.4.b.
(c) Other (includes revolving credit plans other than credit cards
and other consumer loans)	K204	0			M.1.f.4.c.
Memorandum item 1.f.(5) is to be completed by:¹ • Banks with \$300 millon or more in total assets • Banks with less than \$300 millon in total assets that have loans to finance agricultural production and other loans to farmers (Schedule RC-C, Part I, item 3) exceeding 5 percent of total loans
(5) Loans to finance agricultural production and other loans to farmers included in Schedule RC-C, Part I, Memorandum item 1.f, above	K168	0			M.1.f.5.
g. Total loan modifications to borrowers experiencing financial difficulty that are in compli ance with their modified terms (sum of Memorandum items 1.a.(1) through 1.e plus 1.f) 2. Maturity and repricing data for loans and leases (excluding those in nonaccrual status): a. Closed-end loans secured by first liens on 1-4 family residential properties (reported in Schedule RC-C, Part I, item 1.c.(2)(a), column B, above) with a remaining maturity or next repricing date of: (2,3)			HK25	198,722	M.1.g.
(1) Three months or less			A564	33,289	M.2.a.1.
(2) Over three months through 12 months			A565	6,457	M.2.a.2.
(3) Over one year through three years			A566	51,073	M.2.a.3.
(4) Over three years through five years			A567	31,022	M.2.a.4.
(5) Over five years through 15 years			A568	62,223	M.2.a.5.
(6) Over 15 years b. All loans and leases (reported in Schedule RC-C, Part I, items 1 through 10, column B, above) EXCLUDING closed-end loans secured by first liens on 1-4 family residential properties (reported in Schedule RC-C, Part I, item 1.c.(2)(a), column B, above) with a remaining maturity or next repricing date of: (2,4)			A569	13,123	M.2.a.6.
(1) Three months or less			A570	6,858,953	M.2.b.1.
(2) Over three months through 12 months			A571	790,318	M.2.b.2.
(3) Over one year through three years			A572	1,213,390	M.2.b.3.
(4) Over three years through five years			A573	449,369	M.2.b.4.
(5) Over five years through 15 years			A574	604,104	M.2.b.5.
(6) Over 15 years			A575	0	M.2.b.6.
c. Loans and leases (reported in Schedule RC-C, Part I, items 1 through 10, column B, above)
with a REMAINING MATURITY of one year or less (excluding those in nonaccrual status) A247				3,791,564	M.2.c.

¹ The \$300 million asset-size test and the 5 percent of total loans test are based on the total assets and total loans reported on the June 30, 2024, Report of Condition.

² Report fixed rate loans and leases by remaining maturity and floating rate loans by next repricing date.

³ Sum of Memorandum items 2.a.(1) through 2.a.(6) plus total nonaccrual closed-end loans secured by first liens on 1 –4 family residential properties included in Schedule RC-N, 1.c.(2)(a), column C, must equal total closed-end loans secured by first liens on 1 –4 family residential properties from Schedule RC-C, part I, item 1.c.(2)(a), column B.

⁴ Sum of Memorandum items 2.b.(1) through 2.b.(6), plus total nonaccrual loans and leases from Schedule RC-N, item 9, column C, minus nonaccrual closed-end loans secured by first liens on 1 –4 family residential properties included in Schedule RC-N, item 1.c.(2)(a), column C, must equal total loans and leases from Schedule RC-C, Part I, sum of items 1 through 10, column B, minus total closed-end loans secured by first liens on 1 –4 family residential properties from Schedule RC-C, Part I, item 1.c.(2)(a), column B.

FFIEC 041 Page 26 of 84 RC-11

Schedule RC-C—Continued

Part I—Continued

Memoranda—Continued

	Dollar Amounts in Thousands RCON	Amount
3. Loans to finance commercial real estate, construction, and land development activities (not secured by real estate) included in Schedule RC-C, Part I, items 4 and 9, column B (1) 4. Adjustable rate closed-end loans secured by first liens on 1-4 family residential properties	2746	173,715 M.3.
(included in Schedule RC-C, Part I, item 1.c.(2)(a), column B) 5. To be completed by banks with \$300 million or more in total assets:² Loans secured by real estate to non-U.S. addressees (domicile) (included in Schedule RC-C, Part I, items 1.a through 1.e, column B)	5370 B837	111,899 M.4. 17,486 M.5.
Memorandum item 6 is to be completed by banks that (1) 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) are credit card specialty banks as defined for Uniform Bank Performance Report purposes.
6. Outstanding credit card fees and finance charges included in Schedule RC-C, Part I, item 6.a	C391	NR
7. Not applicable		M.6.
Memorandum item 8.a is to be completed by all banks semiannually in the June and December reports only.
8. Closed-end loans with negative amortization features secured by 1-4 family residential properties: a. Total amount of closed-end loans with negative amortization features secured by 1-4 family residential properties (included in Schedule RC-C, Part I, items 1.c.(2)(a) and (b))	F230	NR M.8.a.
Memorandum items 8.b and 8.c are to be completed semiannually in the June and December reports only by banks that had closed-end loans with negative amortization features secured by 1–4 family residential properties (as reported in Schedule RC-C, Part I, Memorandum item 8.a) as of the preceding December 31 report date, that exceeded the lesser of \$100 million or 5 percent of total loans and leases held for investment and held for sale (as reported in Schedule RC-C, Part I, item 12, column B).
b. Total maximum remaining amount of negative amortization contractually permitted on closed-end loans secured by 1-4 family residential properties	F231	NR M.8.b.
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 8.a above	F232	NR M.8.c.
9. Loans secured by 1-4 family residential properties in process of foreclosure (included in Schedule RC-C, Part I, items 1.c.(1), 1.c.(2)(a), and 1.c.(2)(b))	F577	0 M.9.
Memorandum items 10.a through 10.e are to be completed by banks with \$10 billion or more in total assets.²
10. Loans to nondepository financial institutions:
a. Loans to mortgage credit intermediaries b. Loans to business credit intermediaries	PV05 PV06	0 M.10.a. 312,418 M.10.b.
c. Loans to private equity funds	PV07	20,121 M.10.c.
d. Loans to consumer credit intermediaries	PV08	9,828 M.10.d.
e. Other loans to nondepository financial institutions	PV09	81,367 M.10.e.

^11. Not applicable

¹ Exclude loans secured by real estate that are included in Schedule RC-C, part I, items 1.a through 1.e, column B.

² The asset-size tests are based on the total assets reported on the June 30, 2024, Report of Condition.

FFIEC 041 Page 27 of 84 RC-12

Schedule RC-C—Continued

Part I—Continued

Memoranda—Continued

Memoranda—Continued
		(Column A)		(Column B)		(Column C)
		Fair Value of Acquired		Gross Contractual		Best Estimate at
		Loans and Leases at		Amounts Receivable		Acquisition Date of
		Acquisition Date		at Acquisition Date		Contractual Cash
						Flows Not Expected
Dollar Amounts in Thousands	RCON	Amount	RCON	Amount	RCON	to be Collected Amount
Memorandum items 12.a, 12.b, 12.c, and 12.d are to be completed semiannually in the June and December reports only.
12. Loans (not considered purchased credit- deteriorated) and leases held for investment that were acquired in business combinations with acquisition dates in the current calendar year:
a. Loans secured by real estate	G091		NR G092		NR G093	NR M.12.a.
b. Commercial and industrial loans	G094		NR G095		NR G096	NR M.12.b.
c. Loans to individuals for household, family,
and other personal expenditures d. All other loans and all leases	G097 G100		NR G098 NR G101		NR G099 NR G102	NR M.12.c. NR M.12.d.
other land loans (as reported in Schedule RC-C, Part I, item 1.a, column B) that exceeded the sum of tier 1 capital (as reported in Schedule RC-R, Part I, item 26) plus the allowance for credit losses on loans and leases (as reported in Schedule RC, item 4.c) as of the preceding December 31 report date.
13. Construction, land development, and other land loans with interest reserves: a. Amount of loans that provide for the use of interest reserves (included in Schedule RC-C, Part I, item 1.a, column B) b. Amount of interest capitalized from interest reserves on construction, land development, and other land loans that is included in interest and fee income on loans during the quarter (included in Schedule RI, item 1.a.(1)(b))					G376 RIAD G377	NR M.13.a. NR M.13.b.
Memorandum item 14 is to be completed by all banks.					RCON
14. Pledged loans and leases					G378	2,727,594 M.14.
Memorandum item 15 is to be completed for the December report only.
15. Reverse mortgages: a. Reverse mortgages outstanding that are held for investment (included in Schedule RC-C, item 1.c, above) b. Estimated number of reverse mortgage loan referrals to other lenders during the year from whom compensation has been received for services performed in connection with the					PR04 PR05	NR M.15.a. Number
origination of the reverse mortgages						NR M.15.b. Amount

c. Principal amount of reverse mortgage originations that have been sold during the year............................................ PR06 NR

M.15.c.

FFIEC 041 Page 28 of 84 RC-13

Schedule RC-C—Continued

Part I—Continued

Memoranda—Continued

Dollar Amounts in Thousands	RCON	Amount
Memorandum item 16 is to be completed by all banks.
16. Revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit that have converted to non-revolving closed-end status (included in item 1.c.(1) above)	LE75	0	M.16.
Amounts reported in Memorandum items 17.a and 17.b will not be made available to the public on an individual institution basis.
17. Eligible loan modifications under Section 4013, Temporary Relief from Troubled Debt Restructurings, of the 2020 Coronavirus Aid, Relief, and Economic Security Act:		Number
a. Number of Section 4013 loans outstanding	LG24	0	M.17.a.
		Amount
b. Outstanding balance of Section 4013 loans	LG25	0	M.17.b.

FFIEC 041 Page 29 of 84 RC-14

Schedule RC-C—Continued

Part II. Loans to Small Businesses and Small Farms

Report the number and amount currently outstanding as of the report date of business loans with "original amounts" of \$1,000,000 or less and farm loans with "original amounts" of \$500,000 or less. The following guidelines should be used to determine the "original amount" of a loan:

(1) For loans drawn down under lines of credit or loan commitments, the "original amount" of the loan is the size of the line of credit or loan commitment when the line of credit or loan commitment was most recently approved, extended, or renewed prior to the report date. However, if the amount currently outstanding as of the report date exceeds this size, the "original amount" is the amount currently outstanding on the report date.
(2) For loan participations and syndications, the "original amount" of the loan participation or syndication is the entire amount of the credit originated by the lead lender.
(3) For all other loans, the "original amount" is the total amount of the loan at origination or the amount currently outstanding as of the report date, whichever is larger.

Loans to Small Businesses

Indicate in the appropriate box at the right whether all or substantially all of the dollar volume of your bank's "Loans secured by nonfarm nonresidential properties" reported in Schedule RC-C, Part I, items 1.e.(1) and 1.e.(2), and all or substantially all of the dollar volume of your bank's "Commercial and industrial loans" reported in Schedule RC-C, Part I, item 4,¹ have original amounts of \$100,000 or less (If your bank has no loans outstanding in both of these two loan categories, place an "X" in the box marked "NO.").............................................................................................................................................................. 6999 NO

RCON	YES / NO
		1.

If YES, complete items 2.a and 2.b below, skip items 3 and 4, and go to item 5.

If NO and your bank has loans outstanding in either loan category, skip items 2.a and 2.b, complete items 3 and 4 below, and go to item 5. If NO and your bank has no loans outstanding in both loan categories, skip items 2 through 4, and go to item 5.

2. Report the total number of loans currently outstanding for each of the following Schedule RC-C, Part I,		Number of Loans
loan categories:	RCON	Number
a. "Loans secured by nonfarm nonresidential properties" reported in Schedule RC-C, Part I, items
1.e.(1) and 1.e.(2) (Note: Sum of items 1.e.(1) and 1.e.(2) divided by the number of loans should
NOT exceed \$100,000.)	5562	NR	2.a.
b. "Commercial and industrial loans" reported in Schedule RC-C, Part I, item 4.¹
(Note: Item 4,¹ divided by the number of loans should NOT exceed \$100,000.)	5563	NR	2.b.

	(Column A) Number of Loans		(Column B) Amount Currently
Dollar Amounts in Thousands				Outstanding
3. Number and amount currently outstanding of "Loans secured by nonfarm	RCON	Number	RCON	Amount
nonresidential properties" reported in Schedule RC-C, Part I, items 1.e.(1) and
1.e.(2) (sum of items 3.a through 3.c must be less than or equal to Schedule
RC-C, Part I, sum of items 1.e.(1) and 1.e.(2)):
a. With original amounts of \$100,000 or less	5564	0	5565	0	3.a.
b. With original amounts of more than \$100,000 through \$250,000	5566	0	5567	0	3.b.
c. With original amounts of more than \$250,000 through \$1,000,000	5568	5	5569	2,877	3.c.
4. Number and amount currently outstanding of "Commercial and industrial loans"
reported in Schedule RC-C, Part I, item 4¹
(sum of items 4.a through 4.c must be less than or equal to Schedule RC-C,
Part I, item 4¹):
a. With original amounts of \$100,000 or less	5570	5	5571	123	4.a.
b. With original amounts of more than \$100,000 through \$250,000	5572	2	5573	273	4.b.
c. With original amounts of more than \$250,000 through \$1,000,000	5574	7	5575	2,215	4.c.

¹ Banks with \$300 million or more in total assets should provide the requested information for "Commercial and industrial loans" based on the loans reported in Schedule RC-C, Part I, item 4.a, column A, "Commercial and industrial loans to U.S. addressees."

FFIEC 041 Page 30 of 84 RC-15

Schedule RC-C—Continued

Part II—Continued

Agricultural Loans to Small Farms

Indicate in the appropriate box at the right whether all or substantially all of the dollar volume of your bank's "Loans secured by farmland (including farm residential and other improvements)" reported in Schedule RC-C, Part I, item 1.b, and all or substantially all of the dollar volume of your bank's "Loans to finance agricultural production and other loans to farmers" reported in Schedule RC-C, Part I, item 3, have original amounts of \$100,000 or less (If your bank has no loans outstanding in both of these two loan categories, place an "X" in the box marked "NO.")..................................................................................................... 6860 NO

RCON	YES / NO
		5.

If YES, complete items 6.a and 6.b below, and do not complete items 7 and 8.

If NO and your bank has loans outstanding in either loan category, skip items 6.a and 6.b and complete items 7 and 8 below. If NO and your bank has no loans outstanding in both loan categories, do not complete items 6 through 8.

Report the total number of loans currently outstanding for each of the following Schedule RC-C, Part I, loan categories: . a. "Loans secured by farmland (including farm residential and other improvements)" reported in Schedule RC-C, Part I, item 1.b, (Note: Item 1.b divided by the number of loans should NOT Number of Loans RCON Number

Schedule RC-C, Part I, item 1.b, (Note: Item 1.b divided by the number of loans should NOT
exceed \$100,000.)	5576	NR	6.a.
b. "Loans to finance agricultural production and other loans to farmers" reported in Schedule RC-C,
Part I, item 3 (Note: Item 3 divided by the number of loans should NOT exceed \$100,000.)	5577	NR	6.b.

		(Column A) Number of Loans		(Column B) Amount
				Currently
Dollar Amounts in Thousands				Outstanding
7. Number and amount currently outstanding of "Loans secured by farmland	RCON	Number	RCON	Amount
(including farm residential and other improvements)" reported in Schedule
RC-C, Part I, item 1.b (sum of items 7.a through 7.c must be less than or
equal to Schedule RC-C, Part I, item 1.b):
a. With original amounts of \$100,000 or less	5578		NR 5579	NR	7.a.
b. With original amounts of more than \$100,000 through \$250,000	5580		NR 5581	NR	7.b.
c. With original amounts of more than \$250,000 through \$500,000	5582		NR 5583	NR	7.c.
8. Number and amount currently outstanding of "Loans to finance agricultural
production and other loans to farmers" reported in Schedule RC-C, Part I,
item 3 (sum of items 8.a through 8.c must be less than or equal to Schedule
RC-C, Part I, item 3):
a. With original amounts of \$100,000 or less	5584		NR 5585	NR	8.a.
b. With original amounts of more than \$100,000 through \$250,000	5586		NR 5587	NR	8.b.
c. With original amounts of more than \$250,000 through \$500,000	5588		NR 5589	NR	8.c.

FFIEC 041 Page 31 of 84 RC-16

Schedule RC-D—Trading Assets and Liabilities

Schedule RC-D is to be completed by banks that (1) reported total trading assets of \$10 million or more in any of the four preceding calendar quarters, or (2) meet the FDIC's definition of a large or highly complex institution for deposit insurance assessment purposes.

	Dollar Amounts in Thousands RCON	Amount
Assets
1. U.S. Treasury securities	3531	22,066 1.
2. U.S. Government agency obligations (exclude mortgage-backed securities)	3532	0 2.
3. Securities issued by states and political subdivisions in the U.S	3533	0 3.
4. Mortgage-backed securities (MBS):
a. Residential mortgage pass-through securities issued or guaranteed by FNMA, FHLMC,
or GNMA	G379	1 4.a.
b. Other residential MBS issued or guaranteed by U.S. Government agencies or
sponsored agencies (1) (include CMOs, REMICs, and stripped MBS) G380		0 4.b.
c. All other residential MBS	G381	0 4.c.
d. Commercial MBS issued or guaranteed by U.S. Government agencies or sponsored
agencies (1)	K197	0 4.d.
e. All other commercial MBS	K198	0 4.e.
5. Other debt securities:
a. Structured financial products	HT62	0 5.a.
b. All other debt securities	G386	0 5.b.
6. Loans:
a. Loans secured by real estate:
(1) Loans secured by 1-4 family residential properties	HT63	0 6.a.1.
(2) All other loans secured by real estate	HT64	0 6.a.2.
b. Commercial and industrial loans	F614	0 6.b.
c. Loans to individuals for household, family, and other personal expenditures
(i.e., consumer loans) (includes purchased paper):	HT65	0 6.c.
d. Other loans	F618	0 6.d.
7. and 8. Not appplicable
9. Other trading assets	3541	0 9.
10. Not applicable
11. Derivatives with a positive fair value	3543	121,142 11.
12. Total trading assets (sum of items 1 through 11) (must equal Schedule RC, item 5) 3545		143,209 12.

Liabilities
13. a. Liability for short positions	3546	0 13.a.
b. Other trading liabilities	F624	0 13.b.
14. Derivatives with a negative fair value	3547	122,622 14.
15. Total trading liabilities (sum of items 13.a through 14) ( must equal Schedule RC, item 15)	3548	122,622 15.

Memoranda

Dollar Amounts in Thousands	RCON	Amount
1. Unpaid principal balance of loans measured at fair value
(reported in Schedule RC-D, items 6.a.(1) through 6.d):
a. Loans secured by real estate:
(1) Loans secured by 1-4 family residential properties	HT66	0	M.1.a.1.
(2) All other loans secured by real estate	HT67	0	M.1.a.2.
b. Commercial and industrial loans	F632	0	M.1.b.
c. Loans to individuals for household, family, and other personal expenditures
(i.e., consumer loans) (includes purchased paper)	HT68	0	M.1.c.
d. Other loans	F636	0	M.1.d.

FFIEC 041 Page 32 of 84 RC-17

Schedule RC-E—Deposit Liabilities

		Transaction Accounts				Nontransaction Accounts
		(Column A)		(Column B)		(Column C)
		Total Transaction		Memo: Total		Total
		Accounts (Including		Demand Deposits¹		Nontransaction
		Total Demand		(Included in		Accounts
		Deposits)		Column A)		(Including MMDAs)
Dollar Amounts in Thousands	RCON	Amount	RCON	Amount	RCON	Amount
Deposits of:
1. Individuals, partnerships, and corporations	B549	1,897,736			B550	9,696,261 1.
2. U.S. Government	2202	0			2520	0 2.
3. States and political subdivisions in the U.S	2203	101,534			2530	194,317 3.
4. Commercial banks and other depository
institutions in the U.S	B551	6,936			B552	166,260 4.
5. Banks in foreign countries	2213	317,036			2236	28,000 5.
6. Foreign governments and official institutions
(including foreign central banks)	2216	0			2377	496 6.
7. Total (sum of items 1 through 6) (sum of
columns A and C must equal Schedule RC,
item 13.a)	2215	2,323,242	2210	1,765,604	2385	10,085,334 7.

Memoranda

	RCON	Amount
1. Selected components of total deposits (i.e., sum of item 7, columns A and C):
a. Total Individual Retirement Accounts (IRAs) and Keogh Plan accounts	6835	883	M.1.a.
b. Total brokered deposits	2365	2,127,626	M.1.b.
c. Brokered deposits of \$250,000 or less (fully insured brokered deposits) (2) HK05		2,127,626	M.1.c.
d. Maturity data for brokered deposits:
(1) Brokered deposits of \$250,000 or less with a remaining maturity of one year or less
(included in Memorandum item 1.c above)	HK06	1,966,279	M.1.d.1.
(2) Not applicable
(3) Brokered deposits of more than \$250,000 with a remaining maturity
of one year or less (included in Memorandum item 1.b. above)	K220	0	M.1.d.3.
e. Preferred deposits (uninsured deposits of states and political subdivisions in the U.S.
reported in item 3 above which are secured or collateralized as required under state law)
(to be completed for the December report only)	5590	NR	M.1.e.
f. Estimated amount of deposits obtained through the use of deposit listing services
that are not brokered deposits	K223	164,535	M.1.f.
g. Total reciprocal deposits	JH83	1,534,675	M.1.g.
h. Sweep deposits:
(1) Fully insured, affiliate sweep deposits	MT87	0	M.1.h.1.
(2) Not fully insured, affiliate sweep deposits	MT89	0	M.1.h.2.
(3) Fully insured, non-affiliate sweep deposits MT91		1,369,565	M.1.h.3.
(4) Not fully insured, non-affiliate sweep deposits	MT93	0	M.1.h.4.
i. Total sweep deposits that are not brokered deposits	MT95	1,322,363	M.1.i.

¹ Includes interest-bearing and noninterest-bearing demand deposits.

² The dollar amount used as the basis for reporting in Memorandum item 1.c reflects the deposit insurance limit in effect on the report date.

FFIEC 041 Page 33 of 84 RC-18

Schedule RC-E—Continued

Memoranda—Continued

Dollar Amounts in Thousands	RCON	Amount
2. Components of total nontransaction accounts
(sum of Memorandum items 2.a through 2.d must equal item 7, column C above):
a. Savings deposits:
(1) Money market deposit accounts (MMDAs)	6810	7,021,444	M.2.a.1.
(2) Other savings deposits (excludes MMDAs)	0352	0	M.2.a.2.
b. Total time deposits of less than \$100,000	6648	938,210	M.2.b.
c. Total time deposits of \$100,000 through \$250,000	J473	461,863	M.2.c.
d. Total time deposits of more than \$250,000 (sum of Memoranda items 4.a.(1) through 4.a.(4) below)	J474	1,663,818	M.2.d.
e. Individual Retirement Accounts (IRAs) and Keogh Plan accounts of \$100,000 or more
included in Memorandum items 2.c and 2.d above	F233	357	M.2.e.
3. Maturity and repricing data for time deposits of \$250,000 or less:
a. Time deposits of \$250,000 or less with a remaining maturity or next repricing date of: (1,2)
(1) Three months or less	HK07	378,772	M.3.a.1.
(2) Over three months through 12 months	HK08	819,358	M.3.a.2.
(3) Over one year through three years	HK09	201,803	M.3.a.3.
(4) Over three years	HK10	140	M.3.a.4.
b. Time deposits of \$250,000 or less with a REMAINING MATURITY of one year or less
(included in Memorandum items 3.a.(1) and 3.a.(2) above) (3)	HK11	1,198,130	M.3.b.
4. Maturity and repricing data for time deposits of more than \$250,000:
a. Time deposits of more than \$250,000 with a remaining maturity or next repricing date of: (1,4)
(1) Three months or less	HK12	1,280,117	M.4.a.1.
(2) Over three months through 12 months	HK13	378,988	M.4.a.2.
(3) Over one year through three years	HK14	4,713	M.4.a.3.
(4) Over three years	HK15	0	M.4.a.4.
b. Time deposits of more than \$250,000 with a REMAINING MATURITY of one year or less
(included in Memorandum items 4.a.1 and 4.a.2 above) (3)	K222	1,659,105	M.4.b.

5. Does your institution offer one or more consumer deposit account products, i.e., transaction
account or nontransaction savings account deposit products intended primarily for	RCON	YES / NO
individuals for personal, household, or family use?	P752	NO	M.5.

Memorandum items 6 and 7 are to be completed by institutions with \$1 billion or more in total assets (5) that answered "Yes" to Memorandum item 5 above.

Dollar Amounts in Thousands	RCON	Amount
6. Components of total transaction account deposits of individuals, partnerships, and corporations
(sum of Memorandum items 6.a and 6.b must be less than or equal to item 1, column A, above):
a. Total deposits in those noninterest-bearing transaction account deposit products intended
primarily for individuals for personal, household, or family use	P753	NR	M.6.a.
b. Total deposits in those interest-bearing transaction account deposit products intended
primarily for individuals for personal, household, or family use	P754	NR	M.6.b.

¹ Report fixed rate time deposits by remaining maturity and floating rate time deposits by next repricing date.

² Sum of Memorandum items 3.a.(1) through 3.a.(4) must equal Schedule RC-E, sum of Memorandum items 2.b and 2.c.

³ Report both fixed-and floating-rate time deposits by remaining maturity. Exclude floating-rate time deposits with a next repricing date of one year or less that have a remaining maturity of over one year.

⁴ Sum of Memorandum items 4.a.(1) through 4.a.(4) must equal Schedule RC-E, Memorandum item 2.d.

⁵ The \$1 billion asset-size test is based on the total assets reported on the June 30, 2024, Report of Condition.

FFIEC 041 Page 34 of 84 RC-19

Schedule RC-E—Continued

Memoranda—Continued

Dollar Amounts in Thousands	RCON	Amount
7. Components of total nontransaction account deposits of individuals, partnerships, and
corporations (sum of Memorandum items 7.a.(1), 7.a.(2), 7.b.(1), and 7.b.(2) plus all time
deposits of individuals, partnerships, and corporations must equal item 1, column C, above):
a. Money market deposit accounts (MMDAs) of individuals, partnerships, and corporations
(sum of Memorandum items 7.a.(1) and 7.a.(2) must be less than or equal to
Memorandum item 2.a.(1) above):
(1) Total deposits in those MMDA deposit products intended primarily for individuals
for personal, household, or family use	P756	NR	M.7.a.1.
(2) Deposits in all other MMDAs of individuals, partnerships, and corporations	P757	NR	M.7.a.2.
b. Other savings deposit accounts of individuals, partnerships, and corporations (sum
of Memorandum items 7.b.(1) and 7.b.(2) must be less than or equal to Memorandum
item 2.a.(2) above):
(1) Total deposits in those other savings deposit account deposit products intended
primarily for individuals for personal, household, or family use	P758	NR	M.7.b.1.
(2) Deposits in all other savings deposit accounts of individuals, partnerships, and
corporations	P759	NR	M.7.b.2.

Schedule RC-F—Other Assets¹

FFIEC 041 Page 35 of 84 RC-20

Dollar Amounts in Thousands	RCON	Amount
1. Accrued interest receivable (2)	B556	59,915 1.
2. Net deferred tax assets (3)	2148	52,661 2.
3. Interest-only strips receivable (not in the form of a security) (4)	HT80	0 3.
4. Equity investments without readily determinable fair values (5)	1752	18,746 4.
5. Life insurance assets:
a. General account life insurance assets	K201	260,528	5.a.
b. Separate account life insurance assets	K202	0	5.b.
c. Hybrid account life insurance assets	K270	0	5.c.
6. All other assets (itemize and describe amounts greater than \$100,000 that exceed 25% of this item)	2168	135,110 6.
a. Prepaid expenses 2166	0		6.a.
b. Repossessed personal property (including vehicles) 1578	0		6.b.
c. Derivatives with a positive fair value held for purposes other than
trading C010	66,042		6.c.
d. Not applicable
e. Computer software FT33	0		6.e.
f. Accounts receivable FT34	0	6.f.
g. Receivables from foreclosed government-guaranteed mortgage loans FT35	0		6.g.
TEXT
h. 3549 3549	0		6.h.
TEXT
i. 3550 3550	0	6.i.
TEXT
j. 3551 3551	0	6.j.
7. Total (sum of items 1 through 6) ( must equal Schedule RC, item 11)	2160	526,960 7.

¹ Institutions should report asset amounts in Schedule RC-F net of any applicable allowance for credit losses.

Schedule RC-G—Other Liabilities

Dollar Amounts in Thousands		RCON	Amount
1. a. Interest accrued and unpaid on deposits (1)		3645	28,095	1.a.
b. Other expenses accrued and unpaid (includes accrued income taxes payable)		3646	58,948	1.b.
2. Net deferred tax liabilities (2)		3049	0	2.
3. Allowance for credit losses on off-balance sheet credit exposures		B557	3,828	3.
4. All other liabilities
(itemize and describe amounts greater than \$100,000 that exceed 25% of this item)		2938	288,308	4.
a. Accounts payable 3066	96,784			4.a.
b. Deferred compensation liabilities C011	0			4.b.
c. Dividends declared but not yet payable 2932	0			4.c.
d. Derivatives with a negative fair value held for purposes other than trading C012	0			4.d.
e. Operating lease liabilities LB56	127,764			4.e.
TEXT
f. 3552 3552	0			4.f.
TEXT
g. 3553 3553	0			4.g.
TEXT
h. 3554 3554	0			4.h.
5. Total (sum of items 1 through 4) (must equal Schedule RC, item 20)		2930	379,179	5.

¹ For savings banks, include "dividends" accrued and unpaid on deposits.

² Includes accrued interest receivable on loans, leases, debt securities, and other interest-bearing assets. Exclude accrued interest receivable on interest-bearing assets that is reported elsewhere on the balance sheet.

³ See discussion of deferred income taxes in Glossary entry on "Income Taxes."

⁴ Report interest-only strips receivable in the form of a security as available-for-sale securities in Schedule RC, item 2.b, or as trading assets in Schedule RC, item 5, as appropriate.

⁵ Includes Federal Reserve stock, Federal Home Loan Bank stock, and bankers' bank stock.

² See discussion of deferred income taxes in Glossary entry on "Income Taxes."

Schedule RC-K—Quarterly Averages¹

FFIEC 041 Page 36 of 84 RC-21

Dollar Amounts in Thousands	RCON	Amount
Assets
1. Interest-bearing balances due from depository institutions	3381	625,001	1.
2. U.S. Treasury securities and U.S. Government agency obligations (2)
(excluding mortgage-backed securities)	B558	0	2.
3. Mortgage-backed securities (2)	B559	2,457,385	3.
4. All other debt securities (2) and equity securities with readily determinable fair values not held for
trading purposes (3)	B560	300,400	4.
5. Federal funds sold and securities purchased under agreements to resell	3365	0	5.
6. Loans:
a. Total loans	3360	9,836,382	6.a.
b. Loans secured by real estate:
(1) Loans secured by 1-4 family residential properties	3465	180,105	6.b.1.
(2) All other loans secured by real estate	3466	5,682,438	6.b.2.
c. Commercial and industrial loans	3387	2,770,177	6.c.
d. Loans to individuals for household, family, and other personal expenditures:
(1) Credit cards	B561	1,581	6.d.1.
(2) Other (includes revolving credit plans other than credit cards, automobile loans,
and other consumer loans)	B562	17,483	6.d.2.
Item 7 is to be completed by (1) banks that reported total trading assets of \$10 million or more in any of the four preceding calendar quarters and (2) all banks meeting the FDIC's definition of a large or highly complex institution for deposit insurance assessment purposes.
7. Trading Assets	3401	146,186	7.
8. Lease financing receivables (net of unearned income)	3484	0	8.
9. Total assets (4)	3368	13,951,104	9.
Liabilities 10. Interest-bearing transaction accounts (interest-bearing demand deposits, NOW accounts,
ATS accounts, and telephone and preauthorized transfer accounts)	3485	1,520,676	10.
11. Nontransaction accounts:
a. Savings deposits (includes MMDAs)	B563	6,684,575	11.a.
b. Time deposits of \$250,000 or less	HK16	1,411,788	11.b.
c. Time deposits of more than \$250,000	HK17	1,619,991	11.c.
12. Federal funds purchased and securities sold under agreements to repurchase	3353	78,413	12.
13. To be completed by banks with \$100 million or more in total assets: (5)
Other borrowed money (includes mortgage indebtedness)	3355	11,413	13.

¹ For all items, banks have the option of reporting either (1) an average of DAILY figures for the quarter, or (2) an average of WEEKLY figures (i.e., the Wednesday of each week of the quarter).

a) Debt securities at amortized cost.
b) Equity securities with readily determinable fair values at fair value.
c) Equity investments without readily determinable fair values at their balance sheet carrying values (i.e., fair value or, if elected, cost minus impairment, if any, plus or minus changes resulting from observable price changes).
5 The \$100 million asset-size test is based on the total assets reported on the June 30, 2024, Report of Condition.

² Quarterly averages for all debt securities should be based on amortized cost.

³ Quarterly averages for equity securities with readily determinable fair values should be based on fair value.

⁴ The quarterly average for total assets should reflect securities not held for trading as follows:

Schedule RC-K—Quarterly Averages¹—Continued

FFIEC 041 Page 37 of 84 RC-22

Memorandum

Dollar Amounts in Thousands	RCON	Amount
Memorandum item 1 is to be completed by:²
• banks with \$300 million or more in total assets, and
• banks with less than \$300 million in total assets that have loans to finance agricultural
production and other loans to farmers (Schedule RC-C, Part I, item 3) exceeding 5 percent
of total loans.
1. Loans to finance agricultural production and other loans to farmers	3386	0 M.1.

¹ For all items, banks have the option of reporting either (1) an average of DAILY figures for the quarter, or (2) an average of WEEKLY figures (i.e., the Wednesday of each week of the quarter).

² The \$300 million asset-size test and the 5 percent of total loans test are based on the total assets and total loans reported on the June 30, 2024, Report of Condition.

Schedule RC-L—Derivatives and Off-Balance Sheet Items

FFIEC 041 Page 38 of 84 RC-23

Please read carefully the instructions for the preparation of Schedule RC-L. Some of the amounts reported in Schedule RC-L are regarded as volume indicators and not necessarily as measures of risk.

	Dollar Amounts in Thousands		RCON	Amount
1. Unused commitments:
a. Revolving, open-end lines secured by 1-4 family residential properties, e.g., home equity lines			3814	0 1.a.
Item 1.a.(1) is to be completed for the December report only.
(1) Unused commitments for reverse mortgages outstanding that are held for investment
(included in item 1.a. above)			HT72	NR 1.a.1.
b. Credit card lines			3815	44,305 1.b.
Items 1.b.(1) and 1.b.(2) are to be completed semiannually in the June and December reports only by banks with either \$300 million or more in total assets or \$300 million or more in credit card lines¹ (sum of items 1.b.(1) and 1.b.(2) must equal item 1.b).
(1) Unused consumer credit card lines			J455	NR 1.b.1.
(2) Other unused credit card lines			J456	NR 1.b.2.
c. Commitments to fund commercial real estate, construction, and land development loans:
(1) Secured by real estate:
(a) 1-4 family residential construction loan commitments			F164	14,855 1.c.1.a.
(b) Commercial real estate, other construction loan, and land development loan
commitments (2) NOT secured by real estate			F165 6550	317,935 1.c.1.b. 25,151
d. Securities underwriting			3817	1.c.2. 0 1.d.
e. Other unused commitments:
(1) Commercial and industrial loans			J457	1,515,773 1.e.1.
(2) Loans to depository financial institutions			PV10	0 1.e.2.
(3) Loans to nondepository financial institutions			PV11	247,962 1.e.3.
Items 1.e.(3)(a) through 1.e.(3)(e) are to be completed by banks with \$10 billion or more in total assets.¹

(a) Loans to mortgage credit intermediaries			PV12	0 1.e.3.a.
(b) Loans to business credit intermediaries (c) Loans to private equity funds			PV13 PV14	158,386 1.e.3.b. 7,503
(d) Loans to consumer credit intermediaries			PV15	1.e.3.c. 13,508 1.e.3.d.
(e) Other loans to nondepository financial institutions			PV16	68,565 1.e.3.e.
(4) All other unused commitments			J459	168,408 1.e.4.
2. Financial standby letters of credit			3819	164,302 2.
Item 2.a is to be completed by banks with \$1 billion or more in total assets.¹
a. Amount of financial standby letters of credit conveyed to others	3820	10,393
3. Performance standby letters of credit			3821	2.a. 692 3.

Item 3.a is to be completed by banks with \$1 billion or more in total assets.¹
a. Amount of performance standby letters of credit conveyed to others	3822	0		3.a.
4. Commercial and similar letters of credit			3411	72,666 4.
5. Not applicable 6. Securities lent and borrowed:
a. Securities lent (including customers' securities lent where the customer is indemnified against
loss by the reporting bank)			3433	0 6.a.
b. Securities borrowed			3432	0 6.b.

	(Column A) (Column B)
	Sold Protection Purchased Protection
7. Credit derivatives:	Amount RCON RCON	Amount
a. Notional amounts:
(1) Credit default swaps	0 C968 C969	0		7.a.1.
(2) Total return swaps	0 C970 C971	0		7.a.2.
(3) Credit options	0 C972 C973	0		7.a.3.
(4) Other credit derivatives	0 C974 C975	0		7.a.4.

¹ The asset-size tests and the \$300 million credit card lines test are based on the total assets and credit card lines reported on the June 30, 2024, Report of Condition.

FFIEC 041 Page 39 of 84 RC-24

		(Column A)		(Column B)
		Sold Protection		Purchased Protection
Dollar Amounts in Thousands	RCON	Amount	RCON	Amount
7. b. Gross fair values:
(1) Gross positive fair value	C219	0	C221	0			7.b.1.
(2) Gross negative fair value	C220	0	C222	0			7.b.2
7. c. Notional amounts by regulatory capital treatment: ¹					RCON	Amount
(1) Positions covered under the Market Risk Rule:
(a) Sold protection					G401	0	7.c.1.a.
(b) Purchased protection					G402	0	7.c.1.b.
(2) All other positions:
(a) Sold protection					G403	0	7.c.2.a.
(b) Purchased protection that is recognized as a guarantee for regulatory capital
purposes					G404	0	7.c.2.b.
(c) Purchased protection that is not recognized as a guarantee for regulatory capital
purposes					G405	0	7.c.2.c.
				Remaining Maturity of:
		(Column A)		(Column B)		(Column C)
		One Year or Less		Over One Year		Over Five Years
				Through Five Years
Dollar Amounts in Thousands	RCON	Amount	RCON	Amount	RCON	Amount
7. d. Notional amounts by remaining maturity:
(1) Sold credit protection: ²
(a) Investment grade	G406	0	G407	0	G408	0	7.d.1.a.
(b) Subinvestment grade	G409	0	G410	0	G411	0	7.d.1.b.
(2) Purchased credit protection: ³
(a) Investment grade	G412	0	G413	0	G414	0	7.d.2.a.
(b) Subinvestment grade	G415	0	G416	0	G417	0	7.d.2.b.

					RCON	Amount
8. Not applicable
9. All other off-balance sheet liabilities (exclude derivatives) (itemize and describe each component
of this item over 25% of Schedule RC, item 27.a, "Total bank equity capital")					3430	16,674	9.
a. Not applicable
b. Commitments to purchase when-issued securities 3434				0			9.b.
c. Standby letters of credit issued by another party (e.g., a Federal
Home Loan Bank) on the bank's behalf			C978	0			9.c.
d. TEXT
3555				0			9.d.
			3555
e. TEXT
3556			3556	0
f. TEXT
3557			3557	0
10. All other off-balance sheet assets (exclude derivatives) (itemize and
describe each component of this item over 25% of Schedule RC,
					5591
item 27.a, "Total bank equity capital") a. Commitments to sell when-issued securities			3435	0		0

TEXT			5592
b. 5592				0
TEXT
c. 5593			5593	0
TEXT
d. 5594 TEXT			5594	0			9.e. 9.f. 10. 10.a. 10.b. 10.c. 10.d.

¹ Sum of items 7.c.(1)(a) and 7.c.(2)(a) must equal sum of items 7.a.(1) through (4), column A. Sum of items 7.c.(1)(b), 7.c.(2)(b), and 7.c.(2)(c) must equal sum of items 7.a.(1) through (4), column B.

² Sum of items 7.d.(1)(a) and (b), columns A through C, must equal sum of items 7.a.(1) through (4), column A.

³ Sum of items 7.d.(2)(a) and (b), columns A through C, must equal sum of items 7.a.(1) through (4), column B.

FFIEC 041 Page 40 of 84 RC-25

Dollar Amounts in Thousands	RCON	Amount
Items 11.a and 11.b are to be completed semiannually in the June and December reports only.
11. Year-to-date merchant credit card sales volume:
a. Sales for which the reporting bank is the acquiring bank	C223	NR	11.a.
b. Sales for which the reporting bank is the agent bank with risk	C224	NR	11.b.

	(Column A)	(Column B)	(Column C)	(Column D)
	Interest Rate	Foreign Exchange	Equity Derivative	Commodity and
	Contracts	Contracts	Contracts	Other Contracts
Dollar Amounts in Thousands	Amount	Amount	Amount	Amount
Derivatives Position Indicators
12. Gross amounts (e.g., notional
amounts) (for each column,
sum of items 12.a through 12.e
must equal sum of items
13 and 14):
	RCON 8693	RCON 8694	RCON 8695	RCON 8696
a. Futures contracts	0	0	0	0 12.a.
	RCON 8697	RCON 8698	RCON 8699	RCON 8700
b. Forward contracts	0	786,545	0	0 12.b.
c. Exchange-traded option
contracts:	RCON 8701	RCON 8702	RCON 8703	RCON 8704
(1) Written options	0	0	0	0 12.c.1.
	RCON 8705	RCON 8706	RCON 8707	RCON 8708
(2) Purchased options	0	0	0	0 12.c.2.
d. Over-the-counter option
contracts:	RCON 8709	RCON 8710	RCON 8711	RCON 8712
(1) Written options	0	85,679	1,140	0 12.d.1.
	RCON 8713	RCON 8714	RCON 8715	RCON 8716
(2) Purchased options	0	87,339	1,150	0 12.d.2.
	RCON 3450	RCON 3826	RCON 8719	RCON 8720
e. Swaps	6,981,784	0	0	0 12.e.
13. Total gross notional amount of
derivative contracts held for	RCON A126	RCON A127	RCON 8723	RCON 8724
trading	6,366,044	738,673	0	0 13.
14. Total gross notional amount of
derivative contracts held for	RCON 8725	RCON 8726	RCON 8727	RCON 8728
purposes other than trading	615,740	220,890	2,290	0 14.
a. Interest rate swaps where
the bank has agreed to pay	RCON A589
a fixed rate	170,740			14.a.
15. Gross fair values of derivative
contracts:
a. Contracts held for trading:	RCON 8733	RCON 8734	RCON 8735	RCON 8736
(1) Gross positive fair value	97,581	23,561	0	0 15.a.1.
	RCON 8737	RCON 8738	RCON 8739	RCON 8740
(2) Gross negative fair value	98,936	23,686	0	0 15.a.2
b. Contracts held for purposes
other than trading:	RCON 8741	RCON 8742	RCON 8743	RCON 8744
(1) Gross positive fair value	65,972	64	6	0 15.b.1.
	RCON 8745	RCON 8746	RCON 8747	RCON 8748
(2) Gross negative fair value	1,718	19,183	5	0 15.b.2.

FFIEC 041 Page 41 of 84 RC-26

		(Column A)	(Columns B - D)		(Column E)
		Banks and Securities	Not applicable		Corporations and All
		Firms			Other Counterparties
Dollar Amounts in Thousands	RCON	Amount		RCON	Amount
Item 16 is to be completed only by banks with total assets of \$10 billion or more.¹
16. Over-the counter derivatives:
a. Net current credit exposure	G418	105,554		G422	34,262 16.a.
b. Fair value of collateral:
(1) Cash—U.S. dollar	G423	106,120		G427	0 16.b.1.
(2) Cash—Other currencies	G428	0		G432	0 16.b.2.
(3) U.S. Treasury securities	G433	0		G437	0 16.b.3.
(4) through (6) Not applicable (7) All other collateral	G453	0		G457	0 16.b.7.
(8) Total fair value of collateral
(sum of items 16.b.(1) through (7))	G458	106,120		G462	0 16.b.8.

¹ The \$10 billion asset-size test is based on the total assets reported on the June 30, 2024, Report of Condition.

Schedule RC-M—Memoranda

FFIEC 041 Page 42 of 84 RC-27

	Dollar Amounts in Thousands	RCON	Amount
1. Extensions of credit by the reporting bank to its executive officers, directors, principal
shareholders, and their related interests as of the report date:
a. Aggregate amount of all extensions of credit to all executive officers, directors, principal
shareholders, and their related interests		6164	0 1.a.
b. Number of executive officers, directors, and principal shareholders to whom the
amount of all extensions of credit by the reporting bank (including extensions of
credit to related interests) equals or exceeds the lesser of \$500,000 or 5		Number
percent of total capital as defined for this purpose in agency regulations	6165	0	1.b.
2. Intangible assets:
a. Mortgage servicing assets		3164	0 2.a.
(1) Estimated fair value of mortgage servicing assets	A590	0	2.a.1.
b. Goodwill		3163	0 2.b.
c. All other intangible assets		JF76	0 2.c.
d. Total (sum of items 2.a, 2.b, and 2.c) (must equal Schedule RC, item 10)		2143	0 2.d.
3. Other real estate owned:
a. Construction, land development, and other land		5508	0 3.a.
b. Farmland		5509	0 3.b.
c. 1-4 family residential properties		5510	0 3.c.
d. Multifamily (5 or more) residential properties		5511	0 3.d.
e. Nonfarm nonresidential properties		5512	0
f. Total (sum of items 3.a through 3.e) (must equal Schedule RC, item 7)		2150	3.e. 0
4. Cost of equity securities with readily determinable fair values not held for trading			3.f.
		JA29
(the fair value of which is reported in Schedule RC, item 2.c) (1)			10,240 4.
5. Other borrowed money:
a. Federal Home Loan Bank advances:
(1) Advances with a remaining maturity or next repricing date of: (2)
(a) One year or less		F055	100,000 5.a.1.a.
(b) Over one year through three years		F056	0 5.a.1.b.
(c) Over three years through five years		F057	0 5.a.1.c.
(d) Over five years		F058	0 5.a.1.d.
(2) Advances with a REMAINING MATURITY of one year or less
(included in item 5.a.(1)(a) above) (3)		2651	100,000 5.a.2.
(3) Structured advances (included in items 5.a.(1)(a) - (d) above)		F059	0 5.a.3.
b. Other borrowings:
(1) Other borrowings with a remaining maturity or next repricing date of: (4)
(a) One year or less		F060	3 5.b.1.a.
(b) Over one year through three years		F061	1,195 5.b.1.b.
(c) Over three years through five years		F062	1,600 5.b.1.c.
(d) Over five years		F063	0 5.b.1.d.
(2) Other borrowings with a REMAINING MATURITY of one year or less
(included in item 5.b.(1)(a) above) (5)		B571	3 5.b.2.
c. Total (sum of items 5.a.(1)(a)–(d) and items 5.b.(1)(a)–(d))
(must equal Schedule RC, item 16)		3190	102,798 5.c.

¹ Item 4 is to be completed only by insured state banks that have been approved by the FDIC to hold grandfathered equity investments. See instructions for this item and the Glossary entry for "Securities Activities" for further detail on accounting for investments in equity securities.

² Report fixed rate advances by remaining maturity and floating-rate advances by next repricing date.

³ Report both fixed and floating-rate advances by remaining maturity. Exclude floating-rate advances with a next repricing date of one year or less that have a remaining maturity of over one year.

⁴ Report fixed rate other borrowings by remaining maturity and floating-rate other borrowings by next repricing date.

⁵ Report both fixed and floating-rate other borrowings by remaining maturity. Exclude floating-rate other borrowings with a next repricing date of one year or less that have a remaining maturity of over one year.

FFIEC 041 Page 43 of 84 RC-28

Dollar Amounts in Thousands	RCON	YES / NO
6. Does the reporting bank sell private label or third-party mutual funds and annuities? B569		YES	6.
	RCON	Amount
7. Assets under the reporting bank's management in proprietary mutual funds and annuities B570		0	7.

8. Internet website addresses and physical office trade names: a. Uniform Resource Locator (URL) of the reporting institution's primary Internet website (home page), if any
(Example: www.examplebank.com):
TEXT
http:// www.idbny.com 4087			8.a.
b. URLs of all other public-facing Internet websites that the reporting institution uses to accept or solicit deposits from the public, if any (Example: www.examplebank.biz):¹
TE01
http:// (1) N528 TE02			8.b.1.
http:// (2) N528			8.b.2.
TE03 http:// (3) N528			8.b.3.
TE04
http:// (4) N528 TE05			8.b.4.
http:// (5) N528			8.b.5.
TE06 http:// (6) N528			8.b.6.
TE07
http:// (7) N528 TE08			8.b.7.
http:// (8) N528			8.b.8.
TE09 http:// (9) N528			8.b.9.
TE10 http://
(10) N528 c. Trade names other than the reporting institution's legal title used to identify one or more of the institution's physical			8.b.10.
offices at which deposits are accepted or solicited from the public, if any:
TE01 (1) N529			8.c.1.
TE02
(2) N529 TE03			8.c.2.
(3) N529			8.c.3.
TE04 (4) N529			8.c.4.
TE05
(5) N529 TE06			8.c.5.
(6) N529			8.c.6.
Item 9 is to be completed annually in the December report only.
9. Do any of the bank's Internet websites have transactional capability, i.e., allow the	RCON	YES / NO
bank's customers to execute transactions on their accounts through the website? 4088		NR	9.
10. Secured liabilities: a. Amount of "Federal funds purchased" that are secured	RCON	Amount
(included in Schedule RC, item 14.a)	F064	0	10.a.
b. Amount of "Other borrowings" that are secured
(included in Schedule RC-M, items 5.b.(1)(a) - (d))	F065	2,798	10.b.
11. Does the bank act as trustee or custodian for Individual Retirement Accounts, Health	RCON	YES / NO
Savings Accounts, and other similar accounts? 12. Does the bank provide custody, safekeeping, or other services involving the acceptance	G463	YES	11.
of orders for the sale or purchase of securities?	G464	YES	12.

¹ Report only highest level URLs (for example, report www.examplebank.biz, but do not also report www.examplebank.biz/checking). Report each top level domain name used (for example, report both www.examplebank.biz and www.examplebank.net).

FFIEC 041 Page 44 of 84 RC-29

Dollar Amounts in Thousands	RCON	Amount
13. Portion of covered other real estate owned that is protected by FDIC loss-sharing
agreements (included in Schedule RC, item 7)	K192	0	13.
Items 14.a and 14.b are to be completed annually in the December report only.
14. Captive insurance and reinsurance subsidiaries:
a. Total assets of captive insurance subsidiaries (1)	K193	NR	14.a.
b. Total assets of captive reinsurance subsidiaries (1)	K194	NR	14.b.
Item 15 is to be completed by institutions that are required or have elected to be treated as a Qualified Thrift Lender.
15. Qualified Thrift Lender (QTL) test:
a. Does the institution use the Home Owners' Loan Act (HOLA) QTL test or the Internal
Revenue Service Domestic Building and Loan Association (IRS DBLA) test to determine		Number
its QTL compliance? (for the HOLA QTL test, enter 1; for the IRS DBLA test, enter 2)	L133	NR	15.a.
b. Has the institution been in compliance with the HOLA QTL test as of each month end		YES / NO
during the quarter or the IRS DBLA test for its most recent taxable year, as applicable?	L135	NR	15.b.
Item 16.a and, if appropriate, items 16.b.(1) through 16.b.(3) are to be completed annually in the December report only.
16. International remittance transfers offered to consumers:²
a. Estimated number of international remittance transfers provided by your institution		Number
during the calendar year ending on the report date N523		NR	16.a.
Items 16.b.(1) through 16.b.(3) are to be completed by institutions that reported 501 or more
international remittance transfers in item 16.a in either or both of the current report or the
prior December report in which item 16.a was required to be completed.
b. Estimated dollar value of remittance transfers provided by your institution and usage
of regulatory exceptions during the calendar year ending on the report date:		Amount
(1) Estimated dollar value of international remittance transfers	N524	NR	16.b.1.
(2) Estimated number of international remittance transfers for which your		Number
institution applied the permanent exchange rate exception MM07		NR	16.b.2.
(3) Estimated number of international remittance transfers for which your
institution applied the permanent covered third-party fee exception MQ52		NR	16.b.3.
17. U.S. Small Business Administration Paycheck Protection Program (PPP) loans³ and
the Federal Reserve PPP Liquidity Facility (PPPLF):
a. Number of PPP loans outstanding	LG26	2	17.a.
		Amount
b. Outstanding balance of PPP loans	LG27	49	17.b.
c. Outstanding balance of PPP loans pledged to the PPPLF	LG28	0	17.c.
d. Outstanding balance of borrowings from Federal Reserve Banks under the PPPLF
with a remaining maturity of:
(1) One year or less	LL59	0	17.d.1.
(2) More than one year	LL60	0	17.d.2.
e. Quarterly average amount of PPP loans pledged to the PPPLF and excluded from
"Total assets for the leverage ratio" reported in Schedule RC-R, Part I, item 30	LL57	0	17.e.

¹ Report total assets before eliminating intercompany transactions between the consolidated insurance or reinsurance subsidiary and other offices or consolidated subsidiaries of the reporting bank.

² Report information about international electronic transfers of funds offered to consumers in the United States that:

⁽a) are "remittance transfers" as defined by subpart B of Regulation E (12 CFR § 1005.30(e)), or

⁽b) would qualify as "remittance transfers" under subpart B of Regulation E (12 CFR § 1005.30(e)) but are excluded from that definition only because the provider is not providing those transfers in the normal course of its business. See 12 CFR § 1005.30(f).

For purposes of this item 16, such transfers are referred to as international remittance transfers.

Exclude transfers sent by your institution as a correspondent bank for other providers. Report information only about transfers for which the reporting institution is the provider.

³ Paycheck Protection Program (PPP) covered loans as defined in sections 7(a)(36) and 7(a)(37) of the Small Business Act (15 U.S.C. 636(a)(36) and (37)).

Schedule RC-N—Past Due and Nonaccrual Loans, Leases, and Other Assets

FFIEC 041 Page 45 of 84 RC-30

		(Column A) Past due 30 through 89 days and still accruing		(Column B) Past due 90 days or more and still accruing	Nonaccrual
Dollar Amounts in Thousands	RCON	Amount	Amount RCON		Amount RCON
1. Loans secured by real estate: a. Construction, land development, and other land loans:
(1) 1-4 family residential construction loans	F172	986	F174	0	F176	0	1.a.1.
(2) Other construction loans and all land
development and other land loans	F173	0	F175	0	F177	0	1.a.2.
b. Secured by farmland	3493	0	3494	0	3495	0	1.b.
c. Secured by 1-4 family residential properties: (1) Revolving, open-end loans secured by 1-4 family residential properties and
extended under lines of credit	5398	0	5399	0	5400	0	1.c.1.
(2) Closed-end loans secured by 1-4 family residential properties:
(a)Secured by first liens	C236	0	C237	0	C229	0	1.c.2.a.
(b) Secured by junior liens	C238	0	C239	0	C230	0	1.c.2.b.
d. Secured by multifamily (5 or more) residential
properties	3499	0	3500	0	3501	4,526	1.d.
e. Secured by nonfarm nonresidential properties:
(1) Loans secured by owner-occupied
nonfarm nonresidential properties	F178	8,931	F180	0	F182	9,222	1.e.1.
(2) Loans secured by other nonfarm
nonresidential properties F179		0	F181	0	F183	44,650	1.e.2.
2. Loans to depository institutions and
acceptances of other banks	B834	0	B835	0	B836	0	2.
3. Not applicable
4. Commercial and industrial loans	1606	5,000	1607	0	1608	34,083	4.
5. Loans to individuals for household, family, and other personal expenditures:
a. Credit cards	B575	0	B576	0	B577	0	5.a.
b. Automobile loans	K213	0	K214	0	K215	0	5.b.
c. Other (includes revolving credit plans other
than credit cards and other consumer loans)	K216	0	K217	0	K218	0	5.c.
6. Not applicable
7. All other loans (1)	5459	539	5460	290	5461	0	7.
8. Lease financing receivables	1226	0	1227	0	1228	0	8.
9. Total loans and leases (sum of items 1 through 8)	1406	15,456	1407	290	1403	92,481	9.
10. Debt securities and other assets (exclude other
real estate owned and other repossessed assets)	3505	0	3506	0	3507	0	10.

¹ Includes past due and nonaccrual "Loans to finance agricultural production and other loans to farmers," "Obligations (other than securities and leases) of states and political subdivisions in the U.S.," and "Loans to nondepository financial institutions and other loans."

FFIEC 041 Page 46 of 84 RC-31

Amounts reported by loan and lease category in Schedule RC-N, items 1 through 8, include guaranteed and unguaranteed portions of past due and nonaccrual loans and leases. Report in items 11 and 12 below certain guaranteed loans and leases that have already been included in the amounts reported in items 1 through 8.

		(Column A) Past due 30 through 89 days and still accruing		(Column B) Past due 90 days or more and still accruing		(Column C) Nonaccrual
Dollar Amounts in Thousands	RCON	Amount	RCON	Amount	RCON	Amount
11. Loans and leases reported in items 1 through 8 above that are wholly or partially guaranteed by the U.S. Government, excluding loans and
leases covered by loss-sharing agreements with the FDIC	K036	0	K037	0	K038	0	11.
a. Guaranteed portion of loans and leases included in item 11 above, excluding
rebooked "GNMA loans" b. Rebooked "GNMA loans" that have been	K039	0	K040	0	K041	0	11.a.
repurchased or are eligible for repurchase
included in item 11 above	K042	0	K043	0	K044	0	11.b.
12. Portion of covered loans and leases reported in item 9 above that is protected by FDIC loss
sharing agreements	K102	0	K103	0	K104	0	12.

FFIEC 041 Page 47 of 84 RC-32

Memoranda		(Column A) (Column B) Past due Past due 90 30 through 89 days or more days and still and still accruing accruing				(Column C) Nonaccrual
Dollar Amounts in Thousands	RCON	Amount	RCON	Amount	RCON	Amount
1. Loan modifications to borrowers experiencing financial difficulty included in Schedule RC-N, items 1 through 7, above (and not reported in Schedule RC-C, Part I, Memorandum item 1): a. Construction, land development, and other land loans:
(1) 1-4 family residential construction loans	K105	0	K106	0	K107	0	M.1.a.1.
(2) Other construction loans and all land
development and other land loans	K108	0	K109	0	K110	0	M.1.a.2.
b. Loans secured by 1-4 family residential
properties	F661	0	F662	0	F663	0	M.1.b.
c. Secured by multifamily (5 or more)
residential properties d. Secured by nonfarm nonresidential properties: (1) Loans secured by owner-occupied	K111	0	K112	0	K113	0	M.1.c.
nonfarm nonresidential properties (2) Loans secured by other nonfarm	K114	0	K115	0	K116	9,222	M.1.d.1.
nonresidential properties	K117	0	K118	0	K119	44,513	M.1.d.2.
e. Commercial and industrial loans	K257	0	K258	0	K259	0	M.1.e.
Memorandum items 1.e.(1) and (2) are to be completed by banks with \$300 millon or more in total assets (sum of Memorandum items 1.e.(1) and (2) must equal Memorandum item 1.e):¹
(1) To U.S. addressees (domicile)	K120	0	K121	0	K122	0	M.1.e.1.
(2) To non-U.S. addressees (domicile) f. All other loans (include loans to	K123	0	K124	0	K125	0	M.1.e.2.
individuals for household, family, and
other personal expenditures) Itemize loan categories included in Memo- randum item 1.f, above that exceed 10 percent of total loan modifications to borrowers experiencing financial difficulty that are past due 30 days or more or in nonaccural status (sum of Memorandum items 1.a through 1.e plus 1.f, columns A through C):	K126	0	K127	0	K128	0	M.1.f.
(1) Loans secured by farmland	K130	0	K131	0	K132	0	M.1.f.1.
(2) and (3) Not applicable

¹ The \$300 million asset-size test is based on the total assets reported on the June 30, 2024, Report of Condition.

FFIEC 041 Page 48 of 84 RC-33

Memoranda—Continued		(Column A) (Column B) Past due Past due 90 30 through 89 days or more days and still and still accruing accruing
Dollar Amounts in Thousands	RCON	Amount	RCON	Amount	RCON	Amount
1. f. (4) Loans to individuals for household, family, and other personal expenditures:
(a) Credit cards	K274	0	K275	0	K276	0	M.1.f.4.a.
(b) Automobile loans	K277	0	K278	0	K279	0	M.1.f.4.b.
(c) Other (includes revolving credit plans other than credit cards and other
consumer loans)	K280	0	K281	0	K282	0	M.1.f.4.c.
Memorandum item 1.f.5. is to be completed by: ¹ • Banks with \$300 million or more in total assets • Banks with less than \$300 milion in total assets that have loans to finance agricultural production and other loans to farmers (Schedule RC-C, Part I, item 3) exceeding 5 percent of total loans
(5) Loans to finance agricultural pro- duction and other loans to farmers included in Schedule RC-N,
Memorandum item 1.f, above	K138	0	K139	0	K140	0	M.1.f.5.
g. Total loan modifications to borrowers experiencing financial difficulty included in Schedule RC-N, items 1 through 7, above (sum of Memorandum items
1.a.(1) through 1.e plus 1.f) (2) HK26		0	HK27	0	HK28	53,735	M.1.g.
2. Loans to finance commercial real estate, construction, and land development activities (not secured by real estate) included in
Schedule RC-N, items 4 and 7, above 6558		0	6559	0	6560	0	M.2.
3. Memorandum items 3.a through 3.d are to be completed by banks with \$300 million or more in total assets:¹ a. Loans secured by real estate to non-U.S. addressees (domicile) (included in
Schedule RC-N, item 1, above)	1248	0	1249	0	1250	0	M.3.a.
b. Loans to and acceptances of foreign banks
(included in Schedule RC-N, item 2, above) c. Commercial and industrial loans to non-	5380	0	5381	0	5382	0	M.3.b.
U.S. addressees (domicile) (included in
Schedule RC-N, item 4, above)	1254	0	1255	0	1256	0	M.3.c.

¹ The \$300 million asset-size test and the 5 percent of total loans test are based on the total assets and total loans reported on the June 30, 2024, Report of Condition.

² Exclude amounts reported in Memorandum items 1.e.(1), 1.e.(2), and 1.f.(1) through 1.f.(5) when calculating the total in Memorandum item 1.g.

FFIEC 041 Page 49 of 84 RC-34

Memoranda—Continued		(Column A) Past due 30 through 89 days and still accruing		(Column B) Past due 90 days or more and still accruing RCON			(Column C) Nonaccrual
Dollar Amounts in Thousands	RCON	Amount			Amount		RCON	Amount
3 d. Leases to individuals for household, family, and other personal expenditures (included in Schedule RC-N, item 8, above)	F166		0	F167		0	F168	0	M.3.d.
Memorandum item 4 is to be completed by:¹ • banks with \$300 million or more in total assets • banks with less than \$300 million in total assets that have loans to finance agricultural production and other loans to farmers (Schedule RC-C, Part I, item 3) exceeding 5 percent of total loans:
4. Loans to finance agricultural production and other loans to farmers (included in Schedule RC-N, item 7, above)	1594		0	1597		0	1583	0	M.4.
5. Loans and leases held for sale (included in
RC-N, items 1 through 8, above)	C240		0	C241		0	C226	0	M.5.
6. Not applicable Memorandum items 7 and 8 are to be completed semiannually in the June and							RCON	Amount
December reports only.
7. Additions to nonaccrual assets during the previous six months 8. Nonaccrual assets sold during the previous six months							C410 C411	NR NR	M.7. M.8.
		(Column A) Past due 30 through 89 days and still accruing			(Column B) Past due 90 days or more and still accruing			(Column C) Nonaccrual
Dollar Amounts in Thousands	RCON	Amount		RCON	Amount		RCON	Amount
9. Loans to nondepository financial institutions included in Schedule RC-N, item 7	PV23		0	PV24		0	PV25	0	M.9.

¹ The \$300 million asset-size test and the 5 percent of total loans test are based on the total assets and total loans reported on the June 30, 2024, Report of Condition.

Schedule RC-O—Other Data for Deposit Insurance Assessments

FFIEC 041 Page 50 of 84 RC-35

All FDIC-insured depository institutions must complete items 1 and 2, 4 through 9, 10, and 11, Memorandum item 1, and, if applicable, item 9.a, Memorandum items 2, 3, and 5 through 18 each quarter. Unless otherwise indicated, complete items 1 through 11 and Memorandum items 1 through 3 on an "unconsolidated single FDIC certificate number basis" (see instructions) and complete Memorandum items 5 through 18 on a fully consolidated basis.

Dollar Amounts in Thousands	RCON	Amount
1. Total deposit liabilities before exclusions (gross) as defined in Section 3(l) of the Federal
Deposit Insurance Act and FDIC regulations	F236	12,505,552 1.
2. Total allowable exclusions, including interest accrued and unpaid on allowable exclusions F237		0 2.
3. Not applicable
4. Average consolidated total assets for the calendar quarter	K652	13,951,104 4.
a. Averaging method used Number
(for daily averaging, enter 1, for weekly averaging, enter 2) 1 K653		4.a
		Amount
5. Average tangible equity for the calendar quarter (1)	K654	1,480,639 5.
6. Holdings of long-term unsecured debt issued by other FDIC-insured depository institutions K655		0 6.
7. Unsecured "Other borrowings" with a remaining maturity of (sum of items 7.a through 7.d must be
less than or equal to Schedule RC-M, items 5.b.(1)(a)-(d) minus item 10.b):
a. One year or less	G465	0 7.a.
b. Over one year through three years	G466	0 7.b.
c. Over three years through five years	G467	0 7.c.
d. Over five years	G468	0 7.d.
8. Subordinated notes and debentures with a remaining maturity of
(sum of items 8.a. through 8.d. must equal Schedule RC, item 19):
a. One year or less	G469	0 8.a.
b. Over one year through three years	G470	0 8.b.
c. Over three years through five years	G471	0 8.c.
d. Over five years	G472	0 8.d.
9. Brokered reciprocal deposits (included in Schedule RC-E, Memorandum item 1.b)	G803	0 9.
Item 9.a is to be completed on a fully consolidated basis by all institutions that own another insured
depository institution.
a. Fully consolidated brokered reciprocal deposits	L190	NR 9.a
10. Banker's bank certification:
Does the reporting institution meet both the statutory definition of a banker's bank and the		YES / NO
business conduct test set forth in FDIC regulations?	K656	NO 10.
If the answer to item 10 is "YES", complete items 10.a and 10.b.
		Amount
a. Banker's bank deduction	K657	NR 10.a
b. Banker's bank deduction limit	K658	NR 10.b
11. Custodial bank certification:
Does the reporting institution meet the definition of a custodial bank set forth in FDIC		YES / NO
regulations?	K659	NO 11.
If the answer to item 11 is "YES", complete items 11.a and 11.b.²		Amount
a. Custodial bank deduction	K660	NR 11.a
b. Custodial bank deduction limit	K661	NR 11.b

¹ See instructions for averaging methods. For deposit insurance assessment purposes, tangible equity is defined as Tier 1 capital as set forth in the banking agencies' regulatory capital standards and reported in Schedule RC-R, Part I, item 26, except as described in the instructions.

² If the amount reported in item 11.b is zero, item 11.a may be left blank.

FFIEC 041 Page 51 of 84 RC-36

Schedule RC-O—Continued

Memoranda

Dollar Amounts in Thousands	RCON	Amount
1. Total deposit liabilities of the bank, including related interest accrued and unpaid, less
allowable exclusions, including related interest accrued and unpaid (sum of Memorandum
items 1.a.(1), 1.b.(1), 1.c.(1), and 1.d.(1) must equal Schedule RC-O, item 1 less item 2):
a. Deposit accounts (excluding retirement accounts) of \$250,000 or less:¹
(1) Amount of deposit accounts (excluding retirement accounts) of \$250,000 or less	F049	4,757,367	M.1.a.1.
(2) Number of deposit accounts (excluding retirement accounts) Number
of \$250,000 or less 25,334 F050			M.1.a.2.
b. Deposit accounts (excluding retirement accounts) of more than \$250,000:¹
(1) Amount of deposit accounts (excluding retirement accounts) of more than \$250,000	F051	7,747,302	M.1.b.1.
(2) Number of deposit accounts (excluding retirement accounts) Number
of more than \$250,000 4,749 F052			M.1.b.2.
c. Retirement deposit accounts of \$250,000 or less:¹
(1) Amount of retirement deposit accounts of \$250,000 or less	F045	883	M.1.c.1.
Number
(2) Number of retirement deposit accounts of \$250,000 or less F046	7		M.1.c.2.
d. Retirement deposit accounts of more than \$250,000:¹
(1) Amount of retirement deposit accounts of more than \$250,000	F047	0	M.1.d.1.
Number
(2) Number of retirement deposit accounts of more than \$250,000 F048	0		M.1.d.2.
Memorandum item 2 is to be completed by banks with \$1 billion or more in total assets.²

2. Estimated amount of uninsured assessable deposits, including related interest accrued and unpaid
(see instructions) (3)	5597	6,220,676	M.2.
3. Has the reporting institution been consolidated with a parent bank or savings association in
that parent bank's or parent savings association's Call Report?
If so, report the legal title and FDIC Certificate Number of the parent bank or parent savings association:
TEXT	RCON	FDIC Cert. No.
A545	A545	00000	M.3.

Not applicable

¹ The dollar amounts used as the basis for reporting in Memorandum items 1.a through 1.d reflect the deposit insurance limits in effect on the report date.

² The \$1 billion asset-size test is based on the total assets reported on the June 30, 2024, Report of Condition.

³ Uninsured deposits should be estimated based on the deposit insurance limits set forth in Memorandum items 1.a through 1.d.

FFIEC 041 Page 52 of 84 RC-37

Amounts reported in Memorandum items 6 through 9, 14, and 15 will not be made available to the public on an individual institution basis.

Memoranda—Continued

Memoranda—Continued	Dollar Amounts in Thousands RCON	Amount
Memorandum items 5 through 12 are to be completed by "large institutions" and "highly complex
institutions" as defined in FDIC regulations.

5. Applicable portion of the CECL transitional amount or modified CECL transitional amount that has been added to retained earnings for regulatory capital purposes as of the current report
date and is attributable to loans and leases held for investment MW53		NR
6. Criticized and classified items:		M.5.
a. Special mention	K663	413,404
b. Substandard	K664	M.6.a. 190,520
c. Doubtful	K665	M.6.b. 41,796
d. Loss	K666	M.6.c. 0
7. "Nontraditional 1-4 family residential mortgage loans" as defined for assessment purposes		M.6.d.
only in FDIC regulations:
	N025
a. Nontraditional 1-4 family residential mortgage loans		123,309 M.7.a.
b. Securitizations of nontraditional 1-4 family residential mortgage loans	N026	0 M.7.b.
8. "Higher-risk consumer loans" as defined for assessment purposes only in FDIC regulations:
a. Higher-risk consumer loans	N027	14,880 M.8.a.
b. Securitizations of higher-risk consumer loans	N028	0 M.8.b.
9. "Higher-risk commercial and industrial loans and securities" as defined for assessment
purposes only in FDIC regulations:
a. Higher-risk commercial and industrial loans and securities	N029	502,032 M.9.a.
b. Securitizations of higher-risk commercial and industrial loans and securities N030		0 M.9.b.
10. Commitments to fund construction, land development, and other land loans secured by
real estate:
a. Total unfunded commitments	K676	219,599 M.10.a.
b. Portion of unfunded commitments guaranteed or insured by the U.S. government (including
the FDIC)	K677	0 M.10.b.
11. Amount of other real estate owned recoverable from the U.S. government under guarantee
or insurance provisions (excluding FDIC loss-sharing agreements)	K669	0 M.11.
12. Nonbrokered time deposits of more than \$250,000
(included in Schedule RC-E, Memorandum item 2.d)	K678	1,663,818 M.12.
Memorandum item 13.a is to be completed by "large institutions" and "highly complex institutions"
as defined in FDIC regulations. Memorandum items 13.b through 13.h are to be completed by
"large institutions" only.

13. Portion of funded loans and securities guaranteed or insured by the U.S. government
(including FDIC loss-sharing agreements):
a. Construction, land development, and other land loans secured by real estate N177		0 M.13.a.
b. Loans secured by multifamily residential and nonfarm nonresidential properties	N178	0 M.13.b.
c. Closed-end loans secured by first liens on 1-4 family residential properties	N179	0 M.13.c.
d. Closed-end loans secured by junior liens on 1-4 family residential properties and
revolving, open-end loans secured by 1-4 family residential properties and extended
under lines of credit	N180	0 M.13.d.
e. Commercial and industrial loans	N181	0 M.13.e.
f. Credit card loans to individuals for household, family, and other personal expenditures N182		0 M.13.f.
g. All other loans to individuals for household, family, and other personal expenditures N183		0 M.13.g.
h. Non-agency residential mortgage-backed securities	M963	0 M.13.h.
Memorandum items 14 and 15 are to be completed by "highly complex institutions" as defined in FDIC regulations.
14. Amount of the institution's largest counterparty exposure	K673	NR M.14.
15. Total amount of the institution's 20 largest counterparty exposures	K674	NR M.15.

FFIEC 041 Page 53 of 84 RC-38

Schedule RC-O—Continued

Memoranda—Continued

Dollar Amounts in Thousands	RCON	Amount
Memorandum item 16 is to be completed by "large institutions" and "highly complex institutions" as defined in FDIC regulations.
16. Portion of loan modifications to borrowers experiencing financial difficulty that are in com- pliance with their modified terms and are guaranteed or insured by the U.S. government (including the FDIC) (included in Schedule RC-C, Part I, Memorandum item 1)	L189	0	M.16.
Memorandum item 17 is to be completed on a fully consolidated basis by those "large institutions" and "highly complex institutions" as defined in FDIC regulations that own another insured deposi tory institution.
17. Selected fully consolidated data for deposit insurance assessment purposes:
a. Total deposit liabilities before exclusions (gross) as defined in Section 3(l) of the Federal
Deposit Insurance Act and FDIC regulations	L194	NR	M.17.a
b. Total allowable exclusions, including interest accrued and unpaid on allowable exclusions	L195	NR	M.17.b
c. Unsecured "Other borrowings" with a remaining maturity of one year or less	L196	NR	M.17.c
d. Estimated amount of uninsured deposits, including related interest accrued and unpaid L197		NR	M.17.d

FFIEC 041 Page 54 of 84 RC-39

Memorandum item 18 is to be completed by "large institutions" and "highly complex institutions" as defined in FDIC regulations. Amounts reported in Memorandum item 18 will not be made available to the public on an individual institution basis.

				Two-Year Probability of Default (PD)
	(Column A)	(Column B)	(Column C)	(Column D)	(Column E)	(Column F)	(Column G)
	<= 1%	1.01–4%	4.01–7%	7.01–10%	10.01–14%	14.01–16%	16.01–18%
Dollar Amounts in Thousands	Amount	Amount	Amount	Amount	Amount	Amount	Amount
18. Outstanding balance of 1-4 family
residential mortgage loans, consumer
loans, and consumer leases by
two-year probability of default:
a. "Nontraditional 1-4 family
residential mortgage loans" as
defined for assessment purposes	RCON M964	RCON M965	RCON M966	RCON M967	RCON M968	RCON M969	RCON M970
only in FDIC regulations	10,000	67,445	13,394	0	0	0	0 M.18.a
b. Closed-end loans secured by
first liens on 1-4 family	RCON M979	RCON M980	RCON M981	RCON M982	RCON M983	RCON M984	RCON M985
residential properties	7,282	37,744	13,224	3,463	4,456	0	0 M.18.b
c. Closed-end loans secured by
junior liens on 1-4 family	RCON M994	RCON M995	RCON M996	RCON M997	RCON M998	RCON M999	RCON N001
residential properties	0	0	0	0	0	0	0 M.18.c
d. Revolving, open-end loans secured
by 1-4 family residential properties and extended under lines of credit	RCON N010 0	RCON N011 0	RCON N012 0	RCON N013 0	RCON N014 0	RCON N015 0	RCON N016 0
	RCON N040	RCON N041	RCON N042	RCON N043	RCON N044	RCON N045	M.18.d RCON N046
e. Credit cards	0	0	0	0	0	0	0
	RCON N055	RCON N056	RCON N057	RCON N058	RCON N059	RCON N060	M.18.e RCON N061
f. Automobile loans	0	0	0	0	0	0	0 M.18.f
	RCON N070	RCON N071	RCON N072	RCON N073	RCON N074	RCON N075	RCON N076
g. Student loans	0	0	0	0	0	0	0 M.18.g
h. Other consumer loans and revolving	RCON N085	RCON N086	RCON N087	RCON N088	RCON N089	RCON N090	RCON N091
credit plans other than credit cards	895	12,415	0	0	0	0	0 M.18.h
	RCON N100	RCON N101	RCON N102	RCON N103	RCON N104	RCON N105	RCON N106
i. Consumer leases	0	0	0	0	0	0	0 M.18.i
	RCON N115	RCON N116	RCON N117	RCON N118	RCON N119	RCON N120	RCON N121
j. Total	18,177	117,604	26,618	3,463	4,456	0	0 M.18.j

FFIEC 041 Page 55 of 84 RC-40

		Two-Year Probability of Default (PD)
	(Column H)	(Column I)	(Column J)	(Column K)	(Column L)	(Column M)	(Column N)	PDs Were Derived
	18.01–20%	20.01–22%	22.01–26%	26.01–30%	> 30%	Unscoreable	Total	Using¹
Dollar Amounts in Thousands	Amount	Amount	Amount	Amount	Amount	Amount	Amount	Number
18. Outstanding balance of 1-4 family
residential mortgage loans, consumer
loans, and consumer leases by
two-year probability of default:
a. "Nontraditional 1-4 family
residential mortgage loans" as
defined for assessment purposes	RCON M971	RCON M972	RCON M973	RCON M974	RCON M975	RCON M976	RCON M977	RCON M978
only in FDIC regulations	0	0	0	0	0	32,470	123,309	1 M.18.a
b. Closed-end loans secured by
first liens on 1-4 family	RCON M986	RCON M987	RCON M988	RCON M989	RCON M990	RCON M991	RCON M992	RCON M993
residential properties	0	0	0	0	0	11,409	77,578	1 M.18.b
c. Closed-end loans secured by
junior liens on 1-4 family	RCON N002	RCON N003	RCON N004	RCON N005	RCON N006	RCON N007	RCON N008	RCON N009
residential properties	0	0	0	0	0	0	0	0 M.18.c
d. Revolving, open-end loans secured
by 1-4 family residential properties	RCON N017	RCON N018	RCON N019	RCON N020	RCON N021	RCON N022	RCON N023	RCON N024
and extended under lines of credit	0	0	0	0	0	0	0	0 M.18.d
	RCON N047	RCON N048	RCON N049	RCON N050	RCON N051	RCON N052	RCON N053	RCON N054
e. Credit cards	0	0	0	0	0	1,630	1,630	1 M.18.e
	RCON N062	RCON N063	RCON N064	RCON N065	RCON N066	RCON N067	RCON N068	RCON N069
f. Automobile loans	0	0	0	0	0	0	0	0 M.18.f
	RCON N077	RCON N078	RCON N079	RCON N080	RCON N081	RCON N082	RCON N083	RCON N084
g. Student loans	0	0	0	0	0	0	0	0 M.18.g
h. Other consumer loans and revolving	RCON N092	RCON N093	RCON N094	RCON N095	RCON N096	RCON N097	RCON N098	RCON N099
credit plans other than credit cards	0	0	0	0	0	6,807	20,117	1 M.18.h
	RCON N107	RCON N108	RCON N109	RCON N110	RCON N111	RCON N112	RCON N113	RCON N114
i. Consumer leases	0	0	0	0	0	0	0	0 M.18.i
	RCON N122	RCON N123	RCON N124	RCON N125	RCON N126	RCON N127	RCON N128
j. Total	0	0	0	0	0	52,316	222,634	M.18.j

¹ For PDs derived using scores and default rate mappings provided by a third-party vendor, enter 1; for PDs derived using an internal approach, enter 2; for PDs derived using third-party vendor mappings for some loans within a product type and an internal approach for other loans within the same product type, enter 3. If the total reported in Column N for a product type is zero, enter 0.

Schedule RC-P—1-4 Family Residential Mortgage Banking Activities

FFIEC 041 Page 56 of 84 RC-41

Schedule RC-P is to be completed by banks with at which either 1-4 family residential mortgage loan originations and purchases for resale¹ from all sources, loan sales, or quarter-end loans held for sale or trading exceed \$10 million for two consecutive quarters.

	Dollar Amounts in Thousands	RCON	Amount
1.	Retail originations during the quarter of 1-4 family residential mortgage loans for sale (1)	HT81	NR	1.
	2. Wholesale originations and purchases during the quarter of 1-4 family residential
	mortgage loans for sale (1)	HT82	NR	2.
3.	1-4 family residential mortgages sold during the quarter	FT04	NR	3.
4.	1-4 family residential mortgage loans held for sale or trading at quarter-end
	(included in Schedule RC, items 4.a and 5)	FT05	NR	4.
	5. Noninterest income for the quarter from the sale, securitization, and servicing of 1-4 family	RIAD
	residential mortgage loans (included in Schedule RI, items 5.c, 5.f, 5.g, and 5.i)	HT85	NR	5.
	6. Repurchases and indemnifications of 1-4 family residential mortgage loans during	RCON
	the quarter	HT86	NR	6.
	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 government-sponsored agencies	L191	NR	7.a.
	b. For representations and warranties made to other parties	L192	NR	7.b.
	c. Total representation and warranty reserves (sum of items 7.a and 7.b)	M288	NR	7.c.

¹ Exclude originations and purchases of 1 –4 family residential mortgage loans that are held for investment.

Schedule RC-Q—Assets and Liabilities Measured at Fair Value on a Recurring Basis

FFIEC 041 Page 57 of 84 RC-42

Schedule RC-Q is to be completed by banks that:

(1) Have elected to report financial instruments or servicing assets and liabilities at fair value under a fair value option with changes in fair value recognized in earnings, or
(2) Are required to complete Schedule RC-D, Trading Assets and Liabilities.

		(Column A) (Column B) Total Fair Value LESS: Amounts Netted Reported on in the Determination of Total Fair Value			(Column C) (Column D) Level 1 Fair Value Level 2 Fair Value Measurements Measurements		(Column E) Level 3 Fair Value Measurements
	Dollar Amounts in Thousands	RCON	Schedule RC Amount	RCON	Amount	RCON	Amount	RCON	Amount	RCON	Amount
Assets
1. Available-for-sale debt securities and equity
securities with readily determinable fair values
not held for trading (1)		JA36	1,627,809	G474	0	G475	9,861	G476	1,617,926	G477	22	1.
2. Not applicable
3. Loans and leases held for sale		G483	0	G484	0	G485	0	G486	0	G487	0	3.
4. Loans and leases held for investment		G488	0	G489	0	G490	0	G491	0	G492	0	4.
5. Trading assets:
a. Derivative assets		3543	121,142	G493	0	G494	0	G495	121,142	G496	0	5.a.
b. Other trading assets		G497	22,067	G498	0	G499	22,066	G500	1	G501	0	5.b.
(1) Nontrading securities at fair value with changes in fair value reported in
current earnings (included in
Schedule RC-Q, item 5.b, above)		F240	0	F684	0	F692	0	F241	0	F242	0	5.b.1.
6. All other assets		G391	66,042	G392	0	G395	0	G396	66,042	G804	0	6.
7. Total assets measured at fair value on a
recurring basis (sum of items 1 through 5.b
plus item 6)		G502	1,837,060	G503	0	G504	31,927	G505	1,805,111	G506	22	7.

Liabilities
8. Deposits		F252	0	F686	0	F694	0	F253	0	F254	0	8.
9. Not applicable
10. Trading liabilities:
a. Derivative liabilities		3547	122,622	G512	0	G513	0	G514	122,622	G515	0	10.a.
b. Other trading liabilities		G516	0	G517	0	G518	0	G519	0	G520	0	10.b.
11. and 12. Not applicable
13. All other liabilities		G805	20,906	G806	0	G807	0	G808	20,906	G809	0	13.
14. Total liabilities measured at fair value on a
recurring basis (sum of items 8 through 13)		G531	143,528	G532	0	G533	0	G534	143,528	G535	0	14.

¹ The amount reported in item 1, column A, must equal the sum of Schedule RC, items 2.b and 2.c.

FFIEC 041 Page 58 of 84 RC-43

		(Column A) Total Fair Value Reported on Schedule RC		(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
Dollar Amounts in Thousands	RCON	Amount	RCON	Amount	RCON	Amount	RCON	Amount	RCON	Amount
Memoranda 1. All other assets (itemize and describe amounts included in Schedule RC-Q, item 6, that are greater than \$100,000 and exceed
25 percent of item 6):
a. Mortgage servicing assets	G536	0	G537	0	G538	0	G539	0	G540	0 M.1.a.
b. Nontrading derivative assets	G541	66,042	G542	0	G543	0	G544	66,042	G545	0 M.1.b.
TEXT
c. G546	G546	0	G547	0	G548	0	G549	0	G550	0 M.1.c.
TEXT d. G551	G551	0	G552	0	G553	0	G554	0	G555	0 M.1.d.
TEXT
e. G556	G556	0	G557	0	G558	0	G559	0	G560	0 M.1.e.
TEXT
f. G561	G561	0	G562	0	G563	0	G564	0	G565	0 M.1.f.
2. All other liabilities (itemize and describe
amounts included in Schedule RC-Q,
item 13, that are greater than \$100,000 and
exceed 25 percent of item 13):
a. Loan commitments
(not accounted for as derivatives) b. Nontrading derivative liabilities	F261 G566	0 20,906	F689 G567	0 0	F697 G568	0 0	F262 G569	0 20,906	F263 G570	0 M.2.a. 0 M.2.b.
TEXT
c. G571	G571	0	G572	0	G573	0	G574	0	G575	0 M.2.c.
TEXT
d. G576	G576	0	G577	0	G578	0	G579	0	G580	0 M.2.d.
TEXT
e. G581	G581	0	G582	0	G583	0	G584	0	G585	0 M.2.e.
TEXT
f. G586	G586	0	G587	0	G588	0	G589	0	G590	0 M.2.f.

FFIEC 041 Page 59 of 84 RC-44

Schedule RC-Q—Continued

Memoranda—Continued

Dollar Amounts in Thousands	RCON	Amount
3. Loans measured at fair value (included in Schedule RC-C, Part I, items 1 through 9): a. Loans secured by real estate:
(1) Secured by 1-4 family residential properties	HT87	0	M.3.a.1.
(2) All other loans secured by real estate	HT88	0	M.3.a.2.
b. Commercial and industrial loans	F585	0	M.3.b.
c. Loans to individuals for household, family, and other personal expenditures
(i.e., consumer loans) (includes purchased paper)	HT89	0	M.3.c.
d. Other loans	F589	0	M.3.d.
4. Unpaid principal balance of loans measured at fair value
(reported in Schedule RC-Q, Memorandum item 3):
a. Loans secured by real estate:
(1) Secured by 1-4 family residential properties	HT91	0	M.4.a.1.
(2) All other loans secured by real estate	HT92	0	M.4.a.2.
b. Commercial and industrial loans	F597	0	M.4.b.
c. Loans to individuals for household, family, and other personal expenditures
(i.e., consumer loans) (includes purchased paper)	HT93	0	M.4.c.
d. Other loans	F601	0	M.4.d.

FFIEC 041 Page 60 of 84 RC-45

Schedule RC-R—Regulatory Capital

Part I. Regulatory Capital Components and Ratios

Part I is to be completed on a consolidated basis.

	Dollar Amounts in Thousands RCOA	Amount
Common Equity Tier 1 Capital
1. Common stock plus related surplus, net of treasury stock and unearned employee
stock ownership plan (ESOP) shares	P742	99,652 1.
2. Retained earnings (1)	KW00	1,388,640 2.
a. Does your institution have a CECL transition election in effect as of the quarter-end report date?
(enter "0" for No; enter "1" for Yes with a 3-year CECL transition election;	RCOA	Number
enter "2" for Yes with a 5-year 2020 CECL transition election.)	JJ29	0 2.a.

	RCOA	Amount
3. Accumulated other comprehensive income (AOCI)	B530	(82,460) 3.

	0=No RCOA
a. AOCI opt-out election (enter "1" for Yes; enter "0" for No.) 1=Yes P838		1 3.a.

	RCOA	Amount
4. Common equity tier 1 minority interest includable in common equity tier 1 capital	P839	0 4.
5. Common equity tier 1 capital before adjustments and deductions (sum of items 1 through 4)	P840	1,405,832 5.

Common Equity Tier 1 Capital: Adjustments and Deductions
6. LESS: Goodwill net of associated deferred tax liabilities (DTLs)	P841	0 6.
7. LESS: Intangible assets (other than goodwill and mortgage servicing assets (MSAs)), net of
associated DTLs	P842	0 7.
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	P843	0 8.
9. AOCI-related adjustments (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 debt securities (if a gain, report
as a positive value; if a loss, report as a negative value)	P844	(74,431) 9.a.
b. Not applicable
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)	P846	1,227 9.c.
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)	P847	1,122 9.d.
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)	P848	(10,378) 9.e.
f. To be completed only by institutions 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 relates 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)	P849	NR 9.f.

¹ Institutions that have elected to apply the 3-year or the 5-year 2020 CECL transition provision should include the applicable portion of the CECL transitional amount or the modified CECL transitional amount, respectively, in this item.

FFIEC 041 Page 61 of 84 RC-46

Schedule RC-R—Continued

Part I - Continued

Dollar Amounts in Thousands	RCOA	Amount
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)	Q258	0 10.a.
b. LESS: All other deductions from (additions to) common equity tier 1 capital before
threshold-based deductions	P850	0 10.b.
11. Not applicable
12. Subtotal (item 5 minus items 6 through 10.b)	P852	1,488,292 12.
13. LESS: Investments in the capital of unconsolidated financial institutions, net of associated DTLs,
that exceed 25 percent of item 12	LB58	0 13.
14. LESS: MSAs, net of associated DTLs, that exceed 25 percent of item 12	LB59	0 14.
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 25 percent
of item 12	LB60	0 15.
16. Not applicable
17. LESS: Deductions applied to common equity tier 1 capital due to insufficient amounts of
additional tier 1 capital and tier 2 capital (1) to cover deductions	P857	0 17.
18. Total adjustments and deductions for common equity tier 1 capital (sum of items 13 through 17)	P858	0 18.
19. Common equity tier 1 capital (item 12 minus item 18)	P859	1,488,292 19.
Additional Tier 1 Capital
20. Additional tier 1 capital instruments plus related surplus	P860	0 20.
21. Non-qualifying capital instruments subject to phase-out from additional tier 1 capital	P861	0 21.
22. Tier 1 minority interest not included in common equity tier 1 capital	P862	0 22.
23. Additional tier 1 capital before deductions (sum of items 20, 21, and 22)	P863	0 23.
24. LESS: Additional tier 1 capital deductions	P864	0 24.
25. Additional tier 1 capital (greater of item 23 minus item 24, or zero)	P865	0 25.

Tier 1 Capital
26. Tier 1 capital (sum of items 19 and 25)	8274	1,488,292 26.
Total Assets for the Leverage Ratio
27. Average total consolidated assets (2)	KW03	13,951,104 27.
28. LESS: Deductions from common equity tier 1 capital and additional tier 1 capital (sum of
items 6, 7, 8, 10.b, 13 through 15, 17, and certain elements of item 24 - see instructions)	P875	0 28.
29. LESS: Other deductions from (additions to) assets for leverage ratio purposes B596		1,602 29.
30. Total assets for the leverage ratio (item 27 minus items 28 and 29)	A224	13,949,502 30.

¹ An institution that has a CBLR framework election in effect as of the quarter-end report date is neither required to calculate tier 2 capital nor make any deductions that would have been taken from tier 2 capital as of the report date.

² Institutions that have elected to apply the 3-year or the 5-year 2020 CECL transition provision should include the applicable portion of the CECL transitional amount or the modified CECL transitional amount, respectively, in item 27.

RCOA Percentage

FFIEC 041 Page 62 of 84 RC-47

Schedule RC-R—Continued

Part I - Continued

Leverage Ratio*

31. Leverage ratio (item 26 divided by item 30)		7204	10.6691%	31.
a. Does your institution have a community bank leverage ratio (CBLR) framework election in effect as of the quarter-end report date? (enter "1" for Yes; enter "0" for No) 1=Yes LE74		0=No RCOA	0	31.a.
If your institution entered "1" for Yes in item 31.a: • Complete items 32 through 37 and, if applicable, items 38.a through 38.c, • Do not complete items 39 through 55.b, and • Do not complete Part II of Schedule RC-R.
If your institution entered "0" for No in item 31.a: • Skip (do not complete) items 32 through 38.c, • Complete items 39 through 55.b, as applicable, and • Complete Part II of Schedule RC-R.
Item 31.b is to be completed only by non-advanced approaches institutions that elect to use the Standardized Approach for Counterparty Credit Risk (SA-CCR) for purposes of the standardized approach and supplementary leverage ratio.
b. Standardized Approach for Counterparty Credit Risk opt-in election (enter "1" for Yes; leave blank for No) 1=Yes NC99		RCOA		31.b.
Qualifying Criteria and Other Information for CBLR Institutions*
Dollar Amounts in Thousands	(Column A) RCOA Amount	RCOA	(Column B) Percentage

		(Column A)		(Column B)
Dollar Amounts in Thousands	RCOA	Amount	RCOA	Percentage
32. Total assets (Schedule RC, item 12); (must be less than \$10 billion)	2170	NR			32.
33. Trading assets and trading liabilities (Schedule RC, sum of items 5 and
15). Report as a dollar amount in column A and as a percentage of total
assets (5% limit) in column B	KX77		NR KX78	NR	33.
34. Off-balance sheet exposures:
a. Unused portion of conditionally cancellable commitments	KX79	NR			34.a.
b. Securities lent and borrowed (Schedule RC-L, sum of items
6.a and 6.b)	KX80	NR			34.b.
c. Other off-balance sheet exposures	KX81	NR			34.c.
d. Total off-balance sheet exposures (sum of items 34.a through
34.c). Report as a dollar amount in column A and as a
percentage of total assets (25% limit) in column B	KX82		NR KX83	NR	34.d.

Dollar Amounts in Thousands	RCOA	Amount
35. Unconditionally cancellable commitments	S540	NR	35.
36. Investments in the tier 2 capital of unconsolidated financial institutions	LB61	NR	36.
37. Allocated transfer risk reserve	3128	NR	37.
38. Amount of allowances for credit losses on purchased credit-deteriorated assets:
a. Loans and leases held for investment	JJ30	NR	38.a.
b. Held-to-maturity debt securities	JJ31	NR	38.b.
c. Other financial assets measured at amortized cost	JJ32	NR	38.c.

^* Report each ratio as a percentage, rounded to four decimal places, e.g., 12.3456.

FFIEC 041 Page 63 of 84 RC-48

Schedule RC-R—Continued

Part I - Continued

If your institution entered "0" for No in item 31.a, complete items 39 through 55.b, as applicable, and Part II of Schedule RC-R. If your institution entered "1" for Yes in item 31.a, do not complete items 39 through 55.b or Part II of Schedule RC-R.

	RCOA	Amount
Tier 2 Capital¹
39. Tier 2 capital instruments plus related surplus	P866	0	39.
40. Non-qualifying capital instruments subject to phase-out from tier 2 capital	P867	0	40.
41. Total capital minority interest that is not included in tier 1 capital	P868	0	41.
42. Adjusted allowances for credit losses (AACL) includable in tier 2 capital (2) 43. Not applicable	5310	91,737	42.
44. Tier 2 capital before deductions (sum of items 39 through 42)	P870	91,737	44.
45. LESS: Tier 2 capital deductions	P872	0	45.
46. Tier 2 capital (greater of item 44 minus item 45, or zero)	5311	91,737	46.
Total Capital
47. Total capital (sum of items 26 and 46)	3792	1,580,029	47.
Total Risk-Weighted Assets
48. Total risk-weighted assets (from Schedule RC-R, Part II, item 31)	A223	11,136,512	48.
Risk-Based Capital Ratios*	RCOA	Percentage
49. Common equity tier 1 capital ratio (item 19 divided by item 48)	P793	13.3641%	49.
50. Tier 1 capital ratio (item 26 divided by item 48)	7206	13.3641%	50.
51. Total capital ratio (item 47 divided by item 48)	7205	14.1878%	51.
Capital Buffer* 52. Institution-specific capital buffer necessary to avoid limitations on distributions and discretionary bonus payments:
a. Capital conservation buffer	H311	6.1878%	52.a.
	RCOW
b. Institutions subject to Category III capital standards only: Total applicable capital buffer	H312	NR	52.b.
	RCOA	Amount
53. Eligible retained income (3)	H313	NR	53.
54. Distributions and discretionary bonus payments during the quarter (4)	H314	NR	54.
Supplementary Leverage Ratio* 55. Institutions subject to Category III capital standards only: Supplementary leverage ratio information:
a. Total leverage exposure (5)	H015	NR	55.a.
		Percentage
b. Supplementary leverage ratio	H036	NR	55.b.

* Report each ratio and buffer as a percentage, rounded to four decimal places, e.g., 12.3456.
1 An institution that has a CBLR framework election in effect as of the quarter-end report date is neither required to calculate tier 2 capital nor make any deductions that would have been taken from tier 2 capital as of the report date.
2 Institutions that have elected to apply the 3-year or the 5-year 2020 CECL transition provision should subtract the applicable portion of the AACL transitional amount or the modified AACL transitional amount, respectively, from the AACL, as defined in the regulatory capital rule, before determining the amount of AACL includable in tier 2 capital. See instructions for further detail on the CECL transition provisions.
3 Non-advanced approaches institutions other than Category III institutions must complete item 53 only if the amount reported in item 52.a above is less than or equal to 2.5000 percent. Category III institutions must complete item 53 only if the amount reported in item 52.a above is less than or equal to the amount reported in item 52.b above.
4 Non-advanced approaches institutions other than Category III institutions must complete item 54 only if the amount reported in Schedule RC-R, Part I, item 52.a, in the Call Report for the previous calendar quarter-end report date was less than or equal to 2.5000 percent. Category III institutions must complete item 54 only if the amount reported in Schedule RC-R, Part I, item 52.a, in the Call Report for the previous calendar quarter-end report date was less than or equal to the amount reported in Schedule RC-R, Part I, item 52.b, in the Call Report for that previous report date.
5 Institutions that have elected to apply the 3-year or the 5-year 2020 CECL transition provision should include the applicable portion of the CECL transitional amount or the modified CECL transitional amount, respectively, in item 55.a.

FFIEC 041 Page 64 of 84

RC-49

Schedule RC-R—Continued

Part II. Risk-Weighted Assets

Institutions that entered "1" for Yes in Schedule RC-R, Part I, item 31.a, do not have to complete Schedule RC-R, Part II. Institutions are required to assign a 100 percent risk weight to all assets not specifically assigned a risk weight under Subpart D of the federal banking agencies' regulatory capital rules¹ and not deducted from tier 1 or tier 2 capital.

	(Column A)	(Column B)	(Column C)	(Column D)	(Column E)	(Column F)	(Column G)	(Column H)	(Column I)	(Column J)
	Totals	Adjustments to					Allocation by Risk-Weight Category
	RC	From Schedule Totals Reported in Column A	0%	2%	4%	10%	20%	50%	100%	150%
Dollar Amounts in Thousands	Amount	Amount	Amount	Amount	Amount	Amount	Amount	Amount	Amount	Amount
Balance Sheet Asset Categories²
1. Cash and balances due from	RCON D957	RCON S396	RCON D958				RCON D959	RCON S397	RCON D960	RCON S398
depository institutions	846,812	0	555,531				288,772	0	2,509	0	1.
2. Securities:	RCON D961	RCON S399	RCON D962	RCON HJ74	RCON HJ75		RCON D963	RCON D964	RCON D965	RCON S400
a. Held-to-maturity securities (3)	1,020,058	(2)	979,107	0	0		40,953	0	0	0	2.a.
b. Available-for-sale debt securities and equity
securities with readily determinable fair	RCON JA21	RCON S402	RCON D967	RCON HJ76	RCON HJ77		RCON D968	RCON D969	RCON D970	RCON S403
values not held for trading	1,627,809	(105,349)	1,605,780	0	0		113,144	0	14,234	0	2.b.
3. Federal funds sold and securities
purchased under agreements
to resell:	RCON D971		RCON D972				RCON D973	RCON S410	RCON D974	RCON S411
a. Federal funds sold	0		0				0	0	0	0	3.a.
b. Securities purchased under	RCON H171	RCON H172
agreements to resell	0	0									3.b.
4. Loans and leases held for sale:	RCON S413	RCON S414	RCON H173				RCON S415	RCON S416	RCON S417
a. Residential mortgage exposures	0	0	0				0	0	0		4.a.
b. High volatility commercial	RCON S419	RCON S420	RCON H174				RCON H175	RCON H176	RCON H177	RCON S421
real estate exposures	0	0	0				0	0	0	0	4.b.

¹ For national banks and federal savings associations, 12 CFR Part 3; for state member banks, 12 CFR Part 217; and for state nonmember banks and state savings associations, 12 CFR Part 324.

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 Institutions should report held-to-maturity securities net of allowances for credit losses in item 2.a, column A. Institutions should report as a negative number in item 2.a., column B, those allowances for credit losses eligible for inclusion in tier 2 capital, which excludes allowances for credit losses on purchased credit-deteriorated assets.

FFIEC 041 Page 65 of 84

Part II—Continued

Schedule RC-R—Continued

		(Column K)	(Column L)	(Column M)	(Column N)	(Column O)	(Column P)	(Column Q)	(Column R)	(Column S)
					Allocation by Risk-Weight Category					Application of Other Risk Weighting Approaches¹
		250%	300%	400%	600%	625%	937.5%	1250%	Exposure Amount	Risk-Weighted Asset Amount
	Dollar Amounts in Thousands	Amount	Amount	Amount	Amount	Amount	Amount	Amount	Amount	Amount
	Balance Sheet Asset
	Categories (continued)
1.	Cash and balances due from
	depository institutions									1.
2.	Securities: a. Held-to-maturity securities
	b. Available-for-sale debt securities									2.a.
	and equity securities with readily
	determinable fair values not held		RCON S405		RCON S406				RCON H271	RCON H272
	for trading		0		0				0	0 2.b.
3.	Federal funds sold and securities
	purchased under agreements
	to resell: a. Federal funds sold
	b. Securities purchased under									3.a.
	agreements to resell									3.b.
4.	Loans and leases held for sale:								RCON H273	RCON H274
	a. Residential mortgage exposures								0	0 4.a.
	b. High volatility commercial								RCON H275	RCON H276
	real estate exposures								0	0 4.b.

¹ Includes, for example, investments in mutual funds/investment funds, exposures collateralized by securitization exposures or mutual funds, separate account bank-owned life insurance, and default fund contributions to central counterparties.

FFIEC 041 Page 66 of 84

Schedule RC-R—Continued

Part II—Continued

	(Column A)	(Column B)	(Column C)	(Column D)	(Column E)	(Column F)	(Column G)	(Column H)	(Column I)	(Column J)
	Totals From Schedule	Adjustments to Totals					Allocation by Risk-Weight Category
	RC	Reported in Column A	0%	2%	4%	10%	20%	50%	100%	150%
Dollar Amounts in Thousands	Amount	Amount	Amount	Amount	Amount	Amount	Amount	Amount	Amount	Amount
4. Loans and leases held for sale (continued):
c. Exposures past due 90 days or	RCON S423	RCON S424	RCON S425	RCON HJ78	RCON HJ79		RCON S426	RCON S427	RCON S428	RCON S429
more or on nonaccrual (1)	0	0	0	0	0		0	0	0	0	4.c.
	RCON S431	RCON S432	RCON S433	RCON HJ80	RCON HJ81		RCON S434	RCON S435	RCON S436	RCON S437
d. All other exposures	0	0	0	0	0		0	0	0	0	4.d.
5. Loans and leases held for investment (2):	RCON S439	RCON S440	RCON H178				RCON S441	RCON S442	RCON S443
a. Residential mortgage exposures	550,383	0	0				0	550,383	0		5.a.
b. High volatility commercial	RCON S445	RCON S446	RCON H179				RCON H180	RCON H181	RCON H182	RCON S447
real estate exposures	0	0	0				0	0	0	0	5.b.
c. Exposures past due 90 days or	RCON S449	RCON S450	RCON S451	RCON HJ82	RCON HJ83		RCON S452	RCON S453	RCON S454	RCON S455
more or on nonaccrual (3)	92,770	0	0	0	0		0	0	0	92,770	5.c.
	RCON S457	RCON S458	RCON S459	RCON HJ84	RCON HJ85		RCON S460	RCON S461	RCON S462	RCON S463
d. All other exposures	9,537,865	0	59,218	0	0		101,807	307,882	9,068,958	0	5.d.
6. LESS: Allowance for credit	RCON 3123	RCON 3123
losses on loans and leases	87,907	87,907									6.

¹ 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.

² Institutions should report as a positive number in column B of items 5.a through 5.d, as appropriate, any allowances for credit losses on purchased credit-deteriorated assets reported in column A of items 5.a through 5.d, as appropriate.

³ For loans and leases held for investment, exclude residential mortgage exposures, high volatility commercial real estate exposures, or sovereign exposures that are past due 90 days or more or on nonaccrual.

FFIEC 041 Page 67 of 84

Schedule RC-R—Continued

Part II—Continued

	(Column K)	(Column L)	(Column M)	(Column N)	(Column O)	(Column P)	(Column Q)	(Column R)	(Column S)
				Allocation by Risk-Weight Category					Application of Other Risk Weighting Approaches¹
	250%	300%	400%	600%	625%	937.5%	1250%	Exposure Amount	Risk-Weighted Asset Amount
Dollar Amounts in Thousands	Amount	Amount	Amount	Amount	Amount	Amount	Amount	Amount	Amount
4. Loans and leases held for sale (continued):
c. Exposures past due 90 days or								RCON H277	RCON H278
or more or on nonaccrual (2)								0	0 4.c.
								RCON H279	RCON H280
d. All other exposures 5. Loans and leases held								0	0 4.d.
for investment:								RCON H281	RCON H282
a. Residential mortgage exposures								0	0 5.a.
b. High volatility commercial								RCON H283	RCON H284
real estate exposures								0	0 5.b.
c. Exposures past due 90 days or								RCON H285	RCON H286
more or on nonaccrual (3)								0	0 5.c.
d. All other exposures								RCON H287	RCON H288
6. LESS: Allowance for credit								0	0 5.d.
losses on loans and leases									6.

² 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.

FFIEC 041 Page 68 of 84

Schedule RC-R—Continued

Part II—Continued

	(Column A)	(Column B)	(Column C)	(Column D)	(Column E)	(Column F)	(Column G)	(Column H)	(Column I)	(Column J)
	Totals From Schedule RC	Adjustments to Totals Reported in					Allocation by Risk-Weight Category
		Column A	0%	2%	4%	10%	20%	50%	100%	150%
Dollar Amounts in Thousands	Amount	Amount	Amount	Amount	Amount	Amount	Amount	Amount	Amount	Amount
	RCON D976	RCON S466	RCON D977	RCON HJ86	RCON HJ87		RCON D978	RCON D979	RCON D980	RCON S467
7. Trading assets	143,209	121,142	22,067	0	0		0	0	0	0 7.
	RCON D981	RCON S469	RCON D982	RCON HJ88	RCON HJ89		RCON D983	RCON D984	RCON D985	RCON H185
8. All other assets (1,2,3)	688,008	67,631	13,235	0	0		21,892	1,091	584,159	0 8.
a. Separate account bank-owned life insurance b. Default fund contributions to central counterparties										8.a. 8.b.

¹ Includes premises and fixed assets; other real estate owned; investments in unconsolidated subsidiaries and associated companies; direct and indirect investments in real estate ventures; intangible assets; and other assets.

² Institutions that have elected to apply the 3-year or the 5-year 2020 CECL transition provision should report as a positive number in item 8, column B, the applicable portion of the DTA transitional amount as determined in accordance with the 3-year or the 5-year 2020 CECL transition rule, respectively.

³ Institutions that have reported any assets, net of allowances for credit losses in item 8, column A, should report as a negative number in item 8, column B, those allowances for credit losses eligible for inclusion in tier 2 capital, which excludes allowances for credit losses on purchased credit-deteriorated assets.

FFIEC 041 Page 69 of 84

Schedule RC-R—Continued

Part II—Continued

		(Column K)	(Column L)	(Column M)	(Column N)	(Column O)	(Column P)	(Column Q)	(Column R)	(Column S)
					Allocation by Risk-Weight Category				Application of Other Risk Weighting Approaches¹
		250%	300%	400%	600%	625%	937.5%	1250%	Exposure Amount	Risk-Weighted Asset Amount
	Dollar Amounts in Thousands	Amount	Amount	Amount	Amount	Amount	Amount	Amount	Amount	Amount
			RCON H186	RCON H290	RCON H187				RCON H291	RCON H292
7.	Trading assets		0	0	0				0	0 7.
		RCON H293	RCON H188	RCON S470	RCON S471				RCON H294	RCON H295
8.	All other assets (2)	0	0	0	0				0	0 8.
	a. Separate account bank-owned								RCON H296	RCON H297
	life insurance								0	0 8.a.
	b. Default fund contributions								RCON H298	RCON H299
	to central counterparties								0	0 8.b.

² 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.

FFIEC 041 Page 70 of 84

Part II—Continued

Schedule RC-R—Continued

	(Column A)	(Column B)	(Column Q)	(Column T)	(Column U)
	Totals	Adjustments to Totals Reported in Column A	Allocation by Risk-Weight Category (Exposure Amount)	Total Risk-We Amount by Metho	Calculation
			1250%	SSFA ¹	Gross-Up
Dollar Amounts in Thousands	Amount	Amount	Amount	Amount	Amount
Securitization Exposures: On- and Off-Balance Sheet
On-balance sheet securitization exposures:	RCON S475	RCON S476	RCON S477	RCON S478	RCON S479
a. Held-to-maturity securities (2)	0	0	0	0	0 9.a.
	RCON S480	RCON S481	RCON S482	RCON S483	RCON S484
b. Available-for-sale securities	0	0	0	0	0 9.b.
	RCON S485	RCON S486	RCON S487	RCON S488	RCON S489
c. Trading assets	0	0	0	0	0 9.c.
	RCON S490	RCON S491	RCON S492	RCON S493	RCON S494
d. All other on-balance sheet securitization exposures	0	0	0	0	0 9.d.
	RCON S495	RCON S496	RCON S497	RCON S498	RCON S499
10. Off-balance sheet securitization exposures	0	0	0	0	0 10.
•

	(Column A)	(Column B)	(Column C)	(Column D)	(Column E)	(Column F)	(Column G)	(Column H)	(Column I)	(Column J)
	Total From Schedule RC	Adjustments to Totals			All	ocation by Risk	-Weight Catego	ory
		Reported in Column A	0%	2%	4%	10%	20%	50%	100%	150%
Dollar Amounts in Thousands	Amount	Amount	Amount	Amount	Amount	Amount	Amount	Amount	Amount	Amount
	RCON 2170	RCON S500	RCON D987	RCON HJ90	RCON HJ91		RCON D988	RCON D989	RCON D990	RCON S503
11. Total balance sheet assets (3)	14,419,007	(4,485)	3,234,938	0	0		566,568	859,356	9,669,860	92,770 1

ī	(Column K)	(Column L)	(Column M)	(Column N)	(Column O)	(Column P)	(Column Q)	(Column R)
-	(Colullii K)	(COIUIIIII L)	(Columni IVI)	(Columnia)	(Column O)	(Colullii P)	(Columni Q)	(Columni R)
			Allocation	by Risk-Weight	Category			Application of Other Risk- Weighting Approaches
	250%	300%	400%	600%	625%	937.5%	1250%	Exposure Amount
Dollar Amounts in Thousands	Amount	Amount	Amount	Amount	Amount	Amount	Amount	Amount
	RCON S504	RCON S505	RCON S506	RCON S507			RCON S510	RCON H300
11. Total balance sheet assets (3)	0	0	0	0			0	0

^<sup>1 Simplified Supervisory Formula Approach.

Reporting Period: September 30, 2025 October 30, 2025

² Institutions should report held-to-maturity securities, net of allowances for credit losses in item 9.a, column A. Institutions should report as a negative number in item 9.a., column B, those allowances for credit losses eligible for inclusion in tier 2 capital, which excludes allowances for credit losses on purchased credit-deteriorated assets.

^<sup>3 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. Item 11, column A, must equal Schedule RC, item 12.

Schedule RC-R—Continued

Part II—Continued

				(Column C)	(Column D)	(Column E)	(Col F)	(Column G)	(Column H)	(Column I)	(Column J)
	(Column A) Face, Notional, or Other	CCF¹	(Column B) Credit Equivalent					Allocation by Risk-Weight Category
	Amount		Amount²	0%	2%	4%	10%	20%	50%	100%	150%
Dollar Amounts in Thousands	Amount		Amount	Amount	Amount	Amount	Amount	Amount	Amount	Amount	Amount
Derivatives, Off-Balance Sheet Items, and Other Items Subject to Risk Weighting (Excluding Securitization Exposures)³
12. Financial standby	RCON D991		RCON D992	RCON D993	RCON HJ92	RCON HJ93		RCON D994	RCON D995	RCON D996	RCON S511
letters of credit	164,302	1.0	164,302	0	0	0		10,393	0	153,910	0	12.
13. Performance standby letters of credit and
transaction-related	RCON D997		RCON D998	RCON D999				RCON G603	RCON G604	RCON G605	RCON S512
contingent items 14. Commercial and similar letters of credit with an	692	0.5	346	0				0	0	346	0	13.
original maturity of	RCON G606		RCON G607	RCON G608	RCON HJ94	RCON HJ95		RCON G609	RCON G610	RCON G611	RCON S513
one year or less 15. Retained recourse on small business	72,666	0.2	14,533	0	0	0		0	0	14,533	0	14.
obligations sold with recourse	RCON G612 0	1.0	RCON G613 0	RCON G614 0				RCON G615 0	RCON G616 0	RCON G617 0	RCON S514 0	15.

¹ Credit conversion factor.

² 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.

³ 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.

Schedule RC-R—Continued

Part II—Continued

				(Column C)	(Column D)	(Column E)	(Col F)	(Column G)	(Column H)	(Column I)	(Column J)
	(Column A) Face, Notional, or Other	CCF¹	(Column B) Credit Equivalent				Allocation by Risk-Weight Category
	Amount		Amount²	0%	2%	4%	10%	20%	50%	100%	150%
Dollar Amounts in Thousands	Amount		Amount	Amount	Amount	Amount	Amount	Amount	Amount	Amount	Amount
16. Repo-style	RCON S515		RCON S516	RCON S517	RCON S518	RCON S519		RCON S520	RCON S521	RCON S522	RCON S523
transactions (3)	0	1.0	0	0	0	0		0	0	0	0	16.
17. All other off-balance	RCON G618		RCON G619	RCON G620				RCON G621	RCON G622	RCON G623	RCON S524
sheet liabilities	0	1.0	0	0				0	0	0	0	17.
18. Unused commitments (exclude unused
commitments to asset-backed commercial
paper conduits):
a. Original maturity	RCON S525		RCON S526	RCON S527	RCON HJ96	RCON HJ97		RCON S528	RCON S529	RCON S530	RCON S531
of one year or less	90,609	0.2	18,122	0	0	0		0	0	18,122	0	18.a.
b. Original maturity exceeding	RCON G624		RCON G625	RCON G626	RCON HJ98	RCON HJ99		RCON G627	RCON G628	RCON G629	RCON S539
one year	1,060,350	0.5	530,175	0	0	0		0	0	530,175	0	18.b.
19. Unconditionally cancelable	RCON S540		RCON S541
commitments	1,183,430	0.0	0									19.
			RCON S542	RCON S543	RCON HK00	RCON HK01	RCON S544	RCON S545	RCON S546	RCON S547	RCON S548
20. Over-the-counter derivatives			194,719	101,177	0	0	0	35,251	0	58,291	0	20.
			RCON S549	RCON S550	RCON S551	RCON S552		RCON S554	RCON S555	RCON S556	RCON S557
21. Centrally cleared derivatives			0	0	0	0		0	0	0	0	21.
22. Unsettled transactions	RCON H191			RCON H193				RCON H194	RCON H195	RCON H196	RCON H197
(failed trades) (4)	0			0				0	0	0	0	22.

¹ Credit conversion factor.

² For items 16 through 19, column A multiplied by credit conversion factor.

³ Includes securities purchased under agreements to resell (reverse repos), securities sold under agreements to repurchase (repos), securities borrowed, and securities lent.

⁴ For item 22, the sum of columns C through Q must equal column A.

Schedule RC-R—Continued

Part II—Continued

	(Column O)	(Column P)	(Column Q)	(Column R)	(Column S)
		Allocation by Risk-Weight Category			Application of Other Risk Weighting Approaches¹
	625%	937.5%	1250%	Credit Equivalent Amount	Risk Weighted Asset Amount
Dollar Amounts in Thousands	Amount	Amount	Amount	Amount	Amount
16. Repo-style transactions (2)				RCON H301 0	RCON H302 0	16.
17. All other off-balance sheet liabilities						17.
18. Unused commitments (excludes unused commitments to asset-backed commercial paper conduits): a. Original maturity of one year or less				RCON H303 0	RCON H304 0	18.a.
b. Original maturity exceeding one year				RCON H307 0	RCON H308 0	18.b.
19. Unconditionally cancelable commitments						19.
20. Over-the-counter derivatives				RCON H309 0	RCON H310 0	20.
21. Centrally cleared derivatives						21.
22. Unsettled transactions (failed trades) (3)	RCON H198 0	RCON H199 0	RCON H200 0			22.

¹ Includes, for example, exposures collateralized by securitization exposures or mutual funds.

² Includes securities purchased under agreements to resell (reverse repos), securities sold under agreements to repurchase (repos), securities borrowed, and securities lent.

³ For item 22, the sum of columns C through Q must equal column A.

FFIEC 041 Page 74 of 84

Part II—Continued

Schedule RC-R—Continued

	(Column C)	(Column D)	(Column E)	(Column F)	(Column G)	(Column H)	(Column I)	(Column J)
				Allocation by Risk-Weight Category
	0%	2%	4%	10%	20%	50%	100%	150%
Dollar Amounts in Thousands	Amount	Amount	Amount	Amount	Amount	Amount	Amount	Amount
23. Total assets, derivatives, off-balance
sheet items, and other items subject to
risk weighting by risk-weight category
(for each of columns C through P, sum
of items 11 through 22; for column Q,	RCON G630	RCON S558	RCON S559	RCON S560	RCON G631	RCON G632	RCON G633	RCON S561
sum of items 10 through 22)	3,336,115	0	0	0	612,212	859,356	10,445,237	92,770	23.
24. Risk weight factor	X 0%	X 2%	X 4%	X 10%	X 20%	X 50%	X 100%	X 150%	24.
25. Risk-weighted assets by risk-weight
category (for each column, item 23	RCON G634	RCON S569	RCON S570	RCON S571	RCON G635	RCON G636	RCON G637	RCON S572
multiplied by item 24)	0	0	0	0	122,442	429,678	10,445,237	139,155	25.

RC-60

FFIEC 041 Page 75 of 84

Part II—Continued

		(Column K)	(Column L)	(Column M)	(Column N)	(Column O)	(Column P)	(Column Q)
					Allocation by Risk-Weight Category
		250%	300%	400%	600%	625%	937.5%	1250%
	Dollar Amounts in Thousands	Amount	Amount	Amount	Amount	Amount	Amount	Amount
23. Total assets, derivatives, off-balance sheet items, and other items subject to risk weighting by risk-weight category (for each of columns C through P, sum of items 11 through 22; for column Q,		RCON S562	RCON S563	RCON S564	RCON S565	RCON S566	RCON S567	RCON S568
sum of items 10 through 22) 24. Risk weight factor		0 X 250%	0 X 300%	0 X 400%	0 X 600%	0 X 625%	0 X 937.5%	0 23. X 1250% 24.
25. Risk-weighted assets by risk-weight
category (for each column, item 23		RCON S573	RCON S574	RCON S575	RCON S576	RCON S577	RCON S578	RCON S579
multiplied by item 24)		0	0	0	0	0	0	0 25.

		Totals
Dollar Amounts in Thousands	RCON	Amount
26. Risk-weighted assets base for purposes of calculating the adjusted allowances for credit losses (AACL) 1.25 percent threshold	S580	11,136,512	26.
27. Standardized market-risk weighted assets (applicable only to banks that are covered by the market risk capital rules)S581		0	27.
28. Risk-weighted assets before deductions for excess AACL (1) and allocated transfer risk reserve (2)	B704	11,136,512	28.
29. LESS: Excess AACL (1)A222		0	29.
30. LESS: Allocated transfer risk reserve3128		0	30.
31. Total risk-weighted assets (item 28 minus items 29 and 30)G641		11,136,512	31.

¹ Institutions that have elected to apply the 3-year or the 5-year 2020 CECL transition provision should subtract the applicable portion of the AACL transitional amount or the modified AACL transitional amount, respectively, from the AACL, as defined in the regulatory capital rule, before determining the amount of excess AACL.

² 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).

FFIEC 041 Page 76 of 84

Schedule RC-R—Continued

Part II—Continued

Memoranda

Dollar Amounts in Thousands	RCON	Amount
1. Current credit exposure across all derivative contracts covered by the regulatory capital rulesG642		139,816 M.1.

			With a remaining maturity of
			(Column A)		(Column B)		(Column C)
			One year or less		Over one year		Over five years
					through five years
	Dollar Amounts in Thousands	RCON	Amount	RCON	Amount	RCON	Amount
2. Notional principal amounts of over-the-counter derivative contracts:
a. Interest rate		S582	1,015,943 S583		4,609,463 S584		1,356,378	M.2.a.
b. Foreign exchange rate and gold		S585	827,197	S586	63,361 S587		0	M.2.b.
c. Credit (investment grade reference asset)		S588		0 S589		0 S590	0	M.2.c.
d. Credit (non-investment grade reference asset)		S591		0 S592		0 S593	0	M.2.d.
e. EquityS594			1,150 S595			0 S596	0	M.2.e.
f. Precious metals (except gold)		S597		0 S598		0 S599	0	M.2.f.
g. OtherS600				0 S601		0 S602	0	M.2.g.
3. Notional principal amounts of centrally cleared derivative contracts:
a. Interest rate		S603		0 S604		0 S605	0	M.3.a.
b. Foreign exchange rate and gold		S606		0 S607		0 S608	0	M.3.b.
c. Credit (investment grade reference asset)		S609		0 S610		0 S611	0	M.3.c.
d. Credit (non-investment grade reference asset)		S612		0 S613		0 S614	0	M.3.d.
e. EquityS615				0 S616		0 S617	0	M.3.e.
f. Precious metals (except gold)		S618		0 S619		0 S620	0	M.3.f.
g. OtherS621				0 S622		0 S623	0	M.3.g.

Dollar Amounts in Thousands	RCON	Amount
4. Amount of allowances for credit losses on purchased credit-deteriorated assets:
a. Loans and leases held for investmentJJ30		0	M.4.a.
b. Held-to-maturity debt securitiesJJ31		0	M.4.b.
c. Other financial assets measured at amortized cost	JJ32	0	M.4.c.

Schedule RC-S—Servicing, Securitization, and Asset Sale Activities

FFIEC 041 Page 77 of 84 RC-62

		(Column A) 1-4 Family Residential Loans		(Columns B - F) Not applicable		(Column G) All Other Loans, All Leases, and All other Assets
Dollar Amounts in Thousands	RCON	Amount	RCON	Amount	RCON	Amount
Bank Securitization Activities 1. Outstanding principal balance of assets sold and securitized
by the reporting bank with servicing retained or with recourse or other seller-provided credit enhancements	B705	0			B711	0 1.
2. Maximum amount of credit exposure arising from recourse
or other seller-provided credit enhancements provided to
structures reported in item 1 HU09		0			HU15	0 2.
3. Not applicable
4. Past due loan amounts included in item 1:
a. 30-89 days past due	B733	0			B739	0 4.a.
b. 90 days or more past due B740		0			B746	0 4.b.
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):	RIAD				RIAD
a. Charge-offs	B747	0			B753	0 5.a.
b. Recoveries	B754	0			B760	0 5.b.
Item 6 is to be completed by banks with \$10 billion or more total assets.¹					RCON
6. Amount of ownership (or seller's) interests carried as: 7. and 8. Not applicable					HU19	0 6.
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 bank to other institutions' securitization structures in the form of standby letters of credit, purchased subordinated securities, and other enhancements B776	RCON	0			B782	0 9.
Item 10 is to be completed by banks with \$10 billion or more in total assets.¹
10. Reporting bank's unused commitments to provide liquidity to other institutions' securitization structures B783		0			B789	0 10.
Bank Asset Sales
11. Assets sold with recourse or other seller-provided credit enhancements and not securitized by the reporting bank B790 12. Maximum amount of credit exposure arising from recourse or other seller- provided credit enhancements provided to		0			B796	0 11.
assets reported in item 11 B797		0			B803	0 12.

¹ The \$10 billion asset-size test is based on the total assets reported on the June 30, 2024, Report of Condition.

FFIEC 041 Page 78 of 84 RC-63

Schedule RC-S—Continued

Memoranda

Dollar Amounts in Thousands	RCON	Amount
1. Not applicable
2. Outstanding principal balance of assets serviced for others (includes participations serviced for others):
a. Closed-end 1-4 family residential mortgages serviced with recourse or other
servicer-provided credit enhancements	B804	0	M.2.a.
b. Closed-end 1-4 family residential mortgages serviced with no recourse or other
servicer-provided credit enhancements	B805	0	M.2.b.
c. Other financial assets (includes home equity lines) (1)	A591	0	M.2.c.
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	0	M.2.d.
Memorandum item 3 is to be completed by banks with \$10 billion or more in total assets.²
3. 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 bank's holding company.	B806	0	M.3.a1.
(2) Conduits sponsored by other unrelated institutions	B807	0	M.3.a2.
b. Unused commitments to provide liquidity to conduit structures:
(1) Conduits sponsored by the bank, a bank affiliate, or the bank's holding company	B808	0	M.3.b1.
(2) Conduits sponsored by other unrelated institutions	B809	0	M.3.b2.
4. Outstanding credit card fees and finance charges included in Schedule RC-S, item 1, column G (2,3) C407			M.4.

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 The \$10 billion asset-size test is based on the total assets reported on the June 30, 2024, Report of Condition.

³ Memorandum item 4 is to be completed by banks with \$10 billion or more in total assets that (1) 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) are credit card specialty banks as defined for Uniform Bank Performance Report purposes.

Schedule RC-T—Fiduciary and Related Services

FFIEC 041 Page 79 of 84 RC-64

	RCON	YES / NO
1. Does the institution have fiduciary powers? (If "NO", do not complete Schedule RC-T)	A345	YES	1.
2. Does the institution exercise the fiduciary powers it has been granted? A346		YES	2.
3. Does the institution have any fiduciary or related activity (in the form of assets or accounts)
to report in this schedule? (If "NO," do not complete the rest of Schedule RC-T)	B867	YES	3.

If the answer to item 3 is "YES," complete the applicable items of Schedule RC-T, as follows:

Institutions with total fiduciary assets (item 10, sum of columns A and B) greater than \$250 million (as of the preceding December 31 report date )or with gross fiduciary and related services income greater than 10% of revenue (net interest income plus noninterest income) for the preceding calendar year must complete:

Items 4 through 22 and Memorandum item 3 quarterly,
Items 23 through 26 annually with the December report, and
Memorandum items 1, 2, and 4 annually with the December report.

Institutions with total fiduciary assets (item 10, sum of columns A and B) less than or equal to \$250 million (as of the preceding December 31 report date) that do not meet the fiduciary income test for quarterly reporting must complete:

Items 4 through 13 annually with the December report, and
Memorandum items 1 through 3 annually with the December report.
Institutions with total fiduciary assets greater than \$100 million but less than or equal to \$250 million (as of the preceding December 31 report date) that do not meet the fiduciary income test for quarterly reporting must also complete Memorandum item 4 annually with the December report.

	(Column A)	(Column B)	(Column C)	(Column D)
	Managed	Non-Managed	Number of	Number of
	Assets	Assets	Managed	Non-Managed
			Accounts	Accounts
Dollar Amounts in Thousands	Amount	Amount	Number	Number
Fiduciary and Related Assets	RCON B868	RCON B869	RCON B870	RCON B871
4. Personal trust and agency accounts	4,195	0	4	0	4.
5. Employee benefit and retirement
related trust and agency accounts:
a. Employee benefit - defined	RCON B872	RCON B873	RCON B874	RCON B875
contribution	0	0	0	0	5.a.
b. Employee benefit - defined	RCON B876	RCON B877	RCON B878	RCON B879
benefit	0	0	0	0	5.b.
c. Other employee benefit and	RCON B880	RCON B881	RCON B882	RCON B883
retirement-related accounts	0	0	0	0	5.c.
	RCON B884	RCON B885	RCON C001	RCON C002
6. Corporate trust and agency accounts	0	0	0	0	6.
7. Investment management and	RCON B886	RCON J253	RCON B888	RCON J254
investment advisory agency accounts	496,988	0	1,119	0	7.
8. Foundation and endowment trust	RCON J255	RCON J256	RCON J257	RCON J258
and agency accounts	14,328	0	2	0	8.
	RCON B890	RCON B891	RCON B892	RCON B893
9. Other fiduciary accounts	0	0	0	0	9.
10. Total fiduciary accounts	RCON B894	RCON B895	RCON B896	RCON B897
(sum of items 4 through 9)	515,511	0	1,125	0	10.

FFIEC 041 Page 80 of 84 RC-65

	(Column A)	(Column B)	(Column C)	(Column D)
	Managed	Non-Managed	Number of	Number of
	Assets	Assets	Managed	Non-Managed
			Accounts	Accounts
Dollar Amounts in Thousands	Amount	Amount	Number	Number
		RCON B898		RCON B899
11. Custody and safekeeping accounts		14,390		11	11.
12. Not applicable
13. Individual Retirement Accounts,
Health Savings Accounts, and other
similar accounts (included in	RCON J259	RCON J260	RCON J261	RCON J262
items 5.c and 11)	0	0	0	0	13.

Dollar Amounts in Thousands	RIAD	Amount
Fiduciary and Related Services Income
14. Personal trust and agency accounts	B904	25	14.
15. Employee benefit and retirement-related trust and agency accounts:
a. Employee benefit - defined contribution	B905	0	15.a.
b. Employee benefit - defined benefit	B906	0	15.b.
c. Other employee benefit and retirement-related accounts	B907	6	15.c.
16. Corporate trust and agency accounts A479		0	16.
17. Investment management and investment advisory agency accounts	J315	4,692	17.
18. Foundation and endowment trust and agency accounts	J316	15	18.
19. Other fiduciary accounts	A480	0	19.
20. Custody and safekeeping accounts B909		27	20.
21. Other fiduciary and related services income B910		0	21.
22. Total gross fiduciary and related services income (sum of items 14 through 21)
(must equal Schedule RI, item 5.a)	4070	4,765	22.
23. Less: Expenses	C058	NR	23.
24. Less: Net losses from fiduciary and related services	A488	NR	24.
25. Plus: Intracompany income credits for fiduciary and related services	B911	NR	25.
26. Net fiduciary and related services income	A491	NR	26.

		(Column A) Personal Trust and Agency and		(Column B) Employee Benefit and Retirement-Related		(Column C) All Other Accounts
Memoranda		Investment Management Agency Accounts		Trust and Agency Accounts
Dollar Amounts in Thousands	RCON	Amount	RCON	Amount	RCON	Amount
1. Managed assets held in fiduciary accounts:
a. Noninterest-bearing deposits	J263		NR J264		NR J265	NR	M.1.a.
b. Interest-bearing deposits	J266		NR J267		NR J268	NR	M.1.b.
c. U.S. Treasury and U.S. Government
agency obligations	J269		NR J270		NR J271	NR	M.1.c.
d. State, county, and municipal obligations	J272		NR J273		NR J274	NR	M.1.d.
e. Money market mutual funds	J275		NR J276		NR J277	NR	M.1.e.
f. Equity mutual funds	J278		NR J279		NR J280	NR M.1.f.
g. Other mutual funds	J281		NR J282		NR J283	NR	M.1.g.
h. Common trust funds and collective
investment funds	J284		NR J285		NR J286	NR	M.1.h.
i. Other short-term obligations	J287		NR J288		NR J289	NR M.1.i.
j. Other notes and bonds	J290		NR J291		NR J292	NR M.1.j.
k. Investments in unregistered funds and
private equity investments	J293		NR J294		NR J295	NR	M.1.k.

FFIEC 041 Page 81 of 84

						RC-66
Memoranda—Continued
		(Column A)		(Column B)		(Column C)
		Personal Trust and		Employee Benefit and		All Other Accounts
		Agency and		Retirement-Related
		Investment		Trust and Agency
		Management Agency		Accounts
		Accounts
Dollar Amounts in Thousands	RCON	Amount	RCON	Amount	RCON	Amount
1. l. Other common and preferred stocks	J296		NR J297		NR J298	NR	M.1.l.
m. Real estate mortgages	J299		NR J300		NR J301	NR	M.1.m.
n. Real estate	J302		NR J303		NR J304	NR	M.1.n.
o. Miscellaneous assets	J305		NR J306		NR J307	NR	M.1.o.
p. Total managed assets held in fiduciary
accounts (for each column, sum of
Memorandum items 1.a through 1.o)	J308		NR J309		NR J310	NR	M.1.p.

				(Column A)		(Column B)
				Managed Assets		Number of Managed
						Accounts
		Dollar Amounts in Thousands	RCON	Amount	RCON	Number
1. q. Investments of managed fiduciary accounts in advised or
sponsored mutual funds			J311		NR J312	NR	M.1.q.

				(Column A)		(Column B)
				Number of		Principal Amount
				Issues		Outstanding
		Dollar Amounts in Thousands	RCON	Number		Amount
2. Corporate trust and agency accounts:						RCON B928
a. Corporate and municipal trusteeships			B927		NR	NR	M.2.a.
						RCON J314

Memorandum items 3.a through 3.h are to be completed by banks with collective investment funds and common trust funds with a total market value of \$1 billion or more as of the preceding December 31 report date.

b. Transfer agent, registrar, paying agent, and other corporate agency............................................ B929 NR

Memoradum item 3.h only is to be completed by banks with collective investment funds and common trust funds with a total market value of less that \$1 billion as of the preceding December 31 report date.		(Column A) Number of Funds		(Column B) Market Value of Fund Assets
Dollar Amounts in Thousands	RCON	Number	RCON	Amount
3. Collective investment funds and common trust funds:
a. Domestic equity	B931		NR B932	NR	M.3.a.
b. International/Global equity B933			NR B934	NR	M.3.b.
c. Stock/Bond blend	B935		NR B936	NR	M.3.c.
d. Taxable bond	B937		NR B938	NR	M3.d.
e. Municipal bond	B939		NR B940	NR	M.3.e.
f. Short-term investments/Money market	B941		NR B942	NR	M.3.f.
g. Specialty/Other	B943		NR B944	NR	M.3.g.
h. Total collective investment funds (sum of Memorandum items 3.a
through 3.g)	B945	0	B946	0	M.3.h.

(1) Issues reported in Memorandum item 2.a that are in default................................................. J313 NR NR

M.2.a.1. M.2.b.

FFIEC 041 Page 82 of 84

RC-67

Schedule RC-T—Continued

Memoranda—Continued

		(Column A)		(Column B)		(Column C)
		Gross Losses		Gross Losses		Recoveries
		Managed		Non-Managed
		Accounts		Accounts
Dollar Amounts in Thousands	RIAD	Amount	RIAD	Amount	RIAD	Amount
4. Fiduciary settlements, surcharges, and other losses:
a. Personal trust and agency accounts B947			NR B948		NR B949	NR	M.4.a.
b. Employee benefit and retirement-related trust
and agency accounts	B950		NR B951		NR B952	NR	M.4.b.
c. Investment management and investment advisory
agency accounts	B953		NR B954		NR B955	NR	M.4.c.
d. Other fiduciary accounts and related services B956			NR B957		NR B958	NR	M.4.d.
e. Total fiduciary settlements, surcharges, and other losses
(sum of Memorandum items 4.a through 4.d) (sum of
columns A and B minus column C must equal
	B959		NR B960		NR B961	NR	M.4.e.

Person to whom questions about Schedule RC-T - Fiduciary and Related Services should be directed:
Alex Polshikov, Chief Investment Officer
Name and Title (TEXT B962)
[email protected]
E-mail Address (TEXT B926)
(212) 551-8297	(212) 551-8297
Area Code / Phone Number / Extension (TEXT B963)	Area Code / FAX Number (TEXT B964)

Schedule RC-V—Variable Interest Entities¹

FFIEC 041 Page 83 of 84 RC-68

	(Column A) Securitization Vehicles		(Column B) Other VIEs
Dollar Amounts in Thousands	RCON	Amount	RCON	Amount
1. Assets of consolidated variable interest entities (VIEs) that can be used only
to settle obligations of the consolidated VIEs:
a. Cash and balances due from depository institutions	J981	0	JF84	0	1.a.
b. Securities not held for trading	HU20	0	HU21	0	1.b.
c. Loans and leases held for investment, net of allowance, and held for sale	HU22	0	HU23	0	1.c.
d. Other real estate owned	K009	0	JF89	0	1.d.
e. Other assets	JF91	0	JF90	0	1.e.
2. Liabilities of consolidated VIEs for which creditors do not have recourse to the general credit of the reporting bank.
a. Other borrowed money	JF92	0	JF85	0	2.a.
b. Other liabilities	JF93	0	JF86	0	2.b.
3. All other assets of consolidated VIEs
(not included in items 1.a. through 1.e above)	K030	0	JF87	0	3.
4. All other liabilities of consolidated VIEs
(not included in items 2.a and 2.b above)	K033	0	JF88	0	4.

Dollar Amounts in Thousands			RCON	Amount
5. Total assets of asset-backed commercial paper (ABCP) conduit VIEs			JF77	0	5.
6. Total liabilities of ABCP conduit VIEs			JF78	0	6.

¹ Institutions should report assets net of any applicable allowance for credit losses.

Page 84 of 84

Optional Narrative Statement Concerning the Amounts FFIEC 041 RC-69 Reported in the Consolidated Reports of Condition and Income

The management of the reporting bank may, if it wishes, submit a brief narrative statement on the amounts reported in the Consolidated Reports of Condition and Income. This optional statement will be made available to the public, along with the publicly available data in the Consolidated Reports of Condition and Income, in response to any request for individual bank report data. However, the information reported in Schedule RI-E, item 2.g; Schedule RC-C, Part I, Memorandum items 17.a and 17.b; Schedule RC-O, Memorandum items 6 through 9, 14, 15 and 18; and Schedule RC-P, items 7.a and 7.b, is regarded as confidential and will not be made available to the public on an individual institution basis. BANKS CHOOSING TO SUBMIT THE NARRATIVE STATEMENT SHOULD ENSURE THAT THE STATEMENT DOES NOT CONTAIN THE NAMES OR OTHER IDENTIFICATIONS OF INDIVIDUAL BANK CUSTOMERS, REFERENCES TO THE AMOUNTS REPORTED IN THE CONFIDENTIAL ITEMS IDENTIFIED ABOVE, OR ANY OTHER INFORMATION THAT THEY ARE NOT WILLING TO HAVE MADE PUBLIC OR THAT WOULD COMPROMISE THE PRIVACY OF THEIR CUSTOMERS. Banks choosing not to make a statement may check the "No comment" box below and should make no entries of any kind in the space provided for the narrative statement; i.e., DO NOT enter in this space such phrases as "No statement," "Not applicable," "N/A," "No comment," and "None."

The optional statement must be entered on this sheet. The statement should not exceed 100 words. Further, regardless of the number of words, the statement must not exceed 750 characters, including punctuation, indentation, and standard spacing between words and sentences. If any submission should exceed 750 characters, as defined, it will be truncated

at 750 characters with no notice to the submitting bank and the truncated statement will appear as the bank's statement both on agency computerized records and in computer-file releases to the public.

All information furnished by the bank in the narrative statement must be accurate and not misleading. Appropriate efforts shall be taken by the submitting bank to ensure the statement's accuracy.

If, subsequent to the original submission, material changes are submitted for the data reported in the Consolidated Reports of Condition and Income, the existing narrative statement will be deleted from the files, and from disclosure; the bank, at its option, may replace it with a statement appropriate to the amended data.

The optional narrative statement will appear in agency records and in release to the public exactly as submitted (or amended as described in the preceding paragraph) by the management of the bank (except for the truncation of statements exceeding the 750-character limit described above). THE STATEMENT WILL NOT BE EDITED OR SCREENED IN ANY WAY BY THE SUPERVISORY AGENCIES FOR ACCURACY OR RELEVANCE. DISCLOSURE OF THE STATEMENT SHALL NOT SIGNIFY THAT ANY FEDERAL SUPERVISORY AGENCY HAS VERIFIED OR CONFIRMED THE ACCURACY OF THE INFORMATION CONTAINED THEREIN. A STATEMENT TO THIS EFFECT WILL APPEAR ON ANY PUBLIC RELEASE OF THE OPTIONAL STATEMENT SUBMITTED BY THE MANAGEMENT OF THE REPORTING BANK.

RCON YES / NO Comments?........................................................................................................................................................................ 6979 NO

BANK MANAGEMENT STATEMENT (please type or print clearly): (TEXT 6980)

AI Terminal

Israel Discount Bank Ltd.

6748_rns_2025-11-02_f5797c07-e934-410f-899a-433d505a40e1.pdf

Federal Financial Institutions Examination Council Page 1 of 84

Consolidated Reports of Condition and Income for a Bank with Domestic Offices Only—FFIEC 041

Report at the close of business September 30, 2025

(20250930)

Submission of Reports

Consolidated Reports of Condition and Income for a Bank with Domestic Offices Only

Table of Contents

Contact Information for the Reports of Condition and Income

Chief Executive Officer Contact Information

Chief Executive Officer

Emergency Contact Information

USA PATRIOT Act Section 314(a) Anti-Money Laundering Contact Information

Consolidated Report of Income For the period January 1, 2025 — September 30, 2025

Schedule RI—Income Statement

Memoranda

Memoranda—Continued

Schedule RI-A—Changes in Bank Equity Capital

FFIEC 041 Page 10 of 84 RI-6

Schedule RI-B—Charge-offs and Recoveries on Loans and Leases and Changes in Allowances for Credit Losses

Part I. Charge-offs and Recoveries on Loans and Leases

Part II. Changes in Allowances for Credit Losses

Memoranda

Schedule RI-C—Disaggregated Data on the Allowances for Credit Losses

FFIEC 041 Page 14 of 84 RI-10

Schedule RI-E—Explanations

FFIEC 041 Page 16 of 84 RC-1

Consolidated Report of Condition for Insured Banks and Savings Associations for September 30, 2025

Schedule RC—Balance Sheet

Memoranda

To be reported with the March Report of Condition.

To be reported with the March Report of Condition.

Schedule RC-A—Cash and Balances Due From Depository Institutions

Schedule RC-B—Securities

FFIEC 041 Page 20 of 84 RC-5

Schedule RC-B—Continued

FFIEC 041 Page 21 of 84 RC-6

Schedule RC-B—Continued

Memoranda

FFIEC 041 Page 22 of 84 RC-7

Schedule RC-B—Continued

FFIEC 041 Page 23 of 84 RC-8

Schedule RC-C—Loans and Lease Financing Receivables

Part I. Loans and Leases

FFIEC 041 Page 24 of 84 RC-9

Schedule RC-C—Continued

Memoranda

FFIEC 041 Page 25 of 84 RC-10

Schedule RC-C—Continued

Part I—Continued

Memoranda—Continued

Schedule RC-C—Continued

Part I—Continued

Memoranda—Continued

Schedule RC-C—Continued

Part I—Continued

Schedule RC-C—Continued

Part I—Continued

Memoranda—Continued

FFIEC 041 Page 29 of 84 RC-14

Part II. Loans to Small Businesses and Small Farms

Loans to Small Businesses

Schedule RC-C—Continued

Part II—Continued

Agricultural Loans to Small Farms

FFIEC 041 Page 31 of 84 RC-16

Schedule RC-D—Trading Assets and Liabilities

Memoranda

FFIEC 041 Page 32 of 84 RC-17

Schedule RC-E—Deposit Liabilities

Memoranda

FFIEC 041 Page 33 of 84 RC-18

Schedule RC-E—Continued

Memoranda—Continued

Schedule RC-E—Continued

Memoranda—Continued

Schedule RC-F—Other Assets¹

Schedule RC-G—Other Liabilities