--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
---------------
FORM T-1
STATEMENT OF ELIGIBILITY
UNDER THE TRUST INDENTURE ACT OF 1939 OF A
CORPORATION DESIGNATED TO ACT AS TRUSTEE
CHECK IF AN APPLICATION TO DETERMINE ELIGIBILITY
OF A TRUSTEE PURSUANT TO SECTION 305(B)(2)
---------------
SUNTRUST BANK, CENTRAL FLORIDA, NATIONAL ASSOCIATION
(EXACT NAME OF TRUSTEE AS SPECIFIED IN ITS CHARTER)
NOT APPLICABLE 00-0000000
(STATE OF INCORPORATION IF (I.R.S. EMPLOYER
NOT A U.S. NATIONAL BANK) IDENTIFICATION NUMBER)
000 XXXXX XXXXXX XXXXXX
POST OFFICE BOX 3631
XXXXXXX, XXXXXXX 00000
(ADDRESS OF TRUSTEE'S PRINCIPAL (ZIP CODE)
EXECUTIVE OFFICES)
XXXXXXXX X. XXXX, ESQ.
XXXXXXX, XXXXXXX & XXXXX, P.A.
000 XXXXX XXXXXX XXXXXX, XXXXX 0000, XXXXXXX, XX 00000
(000) 000-0000
(NAME, ADDRESS AND TELEPHONE NUMBER OF AGENT FOR SERVICE)
---------------
AVIATION SALES COMPANY
(EXACT NAME OF OBLIGOR AS SPECIFIED IN ITS CHARTER)
DELAWARE 00-0000000
(STATE OF INCORPORATION) (I.R.S. EMPLOYER IDENTIFICATION NO.)
0000 X.X. 00XX XXXXXX
XXXXX, XXXXXXX 00000 33122
(ADDRESS OF PRINCIPAL EXECUTIVE OFFICES) (ZIP CODE)
---------------
81/8% SENIOR SUBORDINATED NOTES DUE 2008
(TITLE OF INDENTURE SECURITIES)
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
ITEM 1. GENERAL INFORMATION.
Furnish the following information as to the trustee:
(a) Name and address of each examining or supervising authority to which
it is subject.
NAME ADDRESS
------------------------------------------------------ -----------------
Comptroller of Currency ........................ Washington, D.C.
The Board of Governors of the
Federal Reserve System Corporation ............ Washington, D.C.
Federal Deposit Insurance Corporation .......... Washington, D.C.
(b) Whether it is authorized to exercise corporate trust powers.
Yes.
ITEM 2. AFFILIATIONS WITH THE OBLIGOR.
If the obligor or any underwriter for the obligor is an affiliate of the
trustee, describe each such affiliation.
None.
ITEM 16. LIST OF EXHIBITS.
List below all exhibits filed as a part of this statement of eligibility.
Exhibit 1--Copy of the articles of association of the Trustee as now in
effect (see Exhibit 1 to Form T-1 filed in connection with Registration
Statement No. 33-34738, which is incorporated by reference).
Exhibit 2--Copy of the certificate of authority of the Trustee to commence
business (see Exhibit 2 to Form T-1 filed in connection with Registration
Statement No. 33- 34738, which is incorporated by reference).
Exhibit 3--Copy of the authorization of the Trustee to exercise corporate
trust powers (see Exhibit 3 to Form T- 1 filed in connection with Registration
Statement No. 33- 34738, which is incorporated by reference).
Exhibit 4--Copy of the existing bylaws of the Trustee (see Exhibit 4 to
Form T-1 filed in connection with Registration Statement No. 33-34738, which is
incorporated by reference).
Exhibit 5--Not applicable.
Exhibit 6--Not applicable.
Exhibit 7--Copy of the latest report of condition of the Trustee,
published pursuant to law or the requirements of its supervising or examining
authority.
Exhibit 8--Not applicable.
Exhibit 9--Not applicable.
SIGNATURE
Pursuant to the requirements of the Trust Indenture Act of 1939, the
Trustee, SunTrust Bank, Central Florida, National Association, a national
banking association organized and existing under the laws of the United States
of America, has duly caused this statement of eligibility to be signed on its
behalf by the undersigned, thereunto duly authorized, all in the City of
Orlando, State of Florida, on the 26th day of March, 1998.
SUNTRUST BANK, CENTRAL FLORIDA,
NATIONAL ASSOCIATION
By: /S/ XXXXXXX XXXXXXX
------------------------------
Vice President
EXHIBIT 7
Report of Condition of
SunTrust Bank, Central Florida, National Association
REPORT OF CONDITION
Consolidating domestic subsidiaries of the
SUNTRUST BANK, CENTRAL FLORIDA N.A.
IN THE STATE OF GA AT THE CLOSE OF BUSINESS ON MARCH 31, 1998
published in response to call made by (Enter additional information below)
4769
4769
STATEMENT OF RESOURCES AND LIABILITIES
Dollar Amounts in Thousands
--------------------------------------------------------------------------------------------------------
ASSETS
Cash and balances due from depository institutions:
Noninterest-bearing balances and currency and coin ....................... 547,696
Interest-bearing balances ................................................ 4,167
Securities:
Held-to-maturity securities .............................................. 0
Available-for-sale securities ............................................ 725,998
Federal funds sold and securities purchased under agreements to resell ..... 574,904
Loans and lease financing receivables:
Loans and leases, net of unearned income ................................. 6,058,046
LESS: Allowance for loan and lease losses ................................ 89,205
LESS: Allocated transfer risk reserve .................................... 0
Loans and leases, net of unearned income, allowance, and reserve ......... 5,968,841
Trading Assets ............................................................. 0
Premises and fixed assets (including capitalized leases) ................... 52,965
Other real estate owned .................................................... 2,071
Investments in unconsolidated subsidiaries and associated companies ........ 7,804
Customers' liability to this bank on acceptances outstanding ............... 1,847
Intangible assets .......................................................... 0
Other assets ............................................................... 82,572
Total assets ............................................................... 7,968,865
REPORT OF CONDITION--(CONTINUED)
LIABILITIES
Dollar Amounts in Thousands
-------------------------------------------------------------------------------------------------------
DEPOSITS:
In domestic offices ..................................................... 4,184,594
Noninterest-bearing .................................................... 1,272,935
Interest-bearing ....................................................... 2,911,659
Federal funds purchased and securities sold under agreements to repurchase 2,524,575
Demand notes issued to the U.S. Treasury .................................. 0
Trading liabilities ....................................................... 0
Other borrowed money:
With original maturity of one year or less .............................. 502,732
With a remaining maturity of more than one year through three years ..... 0
With a remaining maturity of more than three years ...................... 0
Bank's liability on acceptances executed and outstanding .................. 1,847
Subordinated notes and debentures ......................................... 160,000
Other liabilities ......................................................... 50,184
Total liabilities ......................................................... 7,423,932
EQUITY CAPITAL
Perpetual preferred stock and related surplus ............................. 0
Common stock .............................................................. 5,098
Surplus ................................................................... 124,125
Undivided profits and capital reserves .................................... 411,373
Net unrealized holding gains (losses) on available-for-sale securities .... 4,337
Total equity capital ...................................................... 544,933
Total liabilities and equity capital ...................................... 7,968,865
We, the undersigned directors, attest I,
to the correctness of this statement of
resources and liabilities. We declare -------------------------------------
that it has been examined by us, and (NAME, TITLE)
to the best of our knowledge and of the above named bank do hereby declare
belief has been prepared in that this Report of condition is true and correct
conformance with the instructions to the best of my knowledge and belief.
and is true and correct.
Director #1 ____________________________ ___________________________________
Director #2 ____________________________ ___________________________________
Director #3 ____________________________ ___________________________________
<
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date:3/31/98 State #:12-1159 FFIEC 032
X.X.XXX 0000 XXXXXX 000 Xxxxxx XX: D Cert #: 21043 RI-1
XXXXXXX, XX 00000 Transit #: 06310215
3
CONSOLIDATED REPORT OF INCOME
FOR THE PERIOD JANUARY 1, 1998 - MARCH 31, 1998
All Report of Income schedules are to be reported on a calendar year-to-date
basis in thousands of dollars.
SCHEDULE RI - INCOME STATEMENT
1380-
DOLLAR AMOUNTS IN THOUSANDS
-------------------------------------------------------------------------
1. Interest Income:
a. Interest and fee income on loans: RIAD
----
(1) Loans secured by real estate.................... 4011 39,233 1.a.1
--------
(2) Loans to finance agricultural production and
other loans to farmers.......................... 4024 1,317 1.a.2
--------
(3) Commercial and Industrial loans................. 4012 45,969 1.a.3
--------
(4) Loans to individuals for household, family,
and other personal expenditures:
(a) Credit cards and related plans.............. 4054 774 1.a.4.a
--------
(b) Other....................................... 4055 11,105 1.a.4.b
--------
(5) Loans to foreign governments and official
institutions.................................... 4056 0 1.a.5
--------
(6) Obligations (other than securities and leases)
of states and political subdivisions in the U.S.:
(a) Taxable obligations......................... 4503 161 1.a.6.a
--------
(b) Tax-exempt obligations...................... 4504 2,610 1.a.6.b
--------
(7) All other loans................................. 4058 7,193 1.a.7
--------
b. Income from lease financing receivables:
(1) Taxable leases.................................. 4505 2,669 1.b.1
--------
(2) Tax-exempt leases............................... 4307 73 1.b.2
--------
c. Interest income on balances due from depository
institutions (1)................................... 4115 57 1.c
--------
d. Interest and dividend income on securities:
(1) U.S. Treasury securities and U.S. Government
agency obligations............................. 4027 11,388 1.d.1
--------
(2) Securities issued by states and political
subdivisions in the U.S.:
(a) Taxable securities......................... 4506 0 1.d.2.a
--------
(b) Tax-exempt securities...................... 4507 467 1.d.2.b
--------
(3) Other domestic debt securities................. 3657 0 1.d.3
--------
(4) Foreign debt securities........................ 3658 4 1.d.4
--------
(5) Equity securities (including investments
in mutual funds)............................... 3659 323 1.d.5
--------
e. Interest income from trading assets................ 4069 0 1.e
--------
f. Interest income on federal funds sold and
securities purchased under agreements to resell.... 4020 8,398 1.f
--------
g. Total interest income (sum of items 1.a
through 1.f)....................................... 4107 131,741 1.g
--------
--------
(1) Includes interest income on time certificates of deposits not held for
trading.
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date:3/31/98 State #:12-1159 FFIEC 032
X.X.XXX 0000 XXXXXX 000 Xxxxxx XX: D Cert #: 21043 RI-2
XXXXXXX, XX 00000 Transit #: 06310215
4
SCHEDULE RI - CONTINUED
DOLLAR AMOUNTS IN THOUSANDS
--------------------------------------------------------------------------------
2. Interest expense:
a. Interest on deposits:
(1) Transaction accounts (NOW accounts, RIAD YEAR-TO-DATE
ATS accounts, and telephone and
preauthorized transfer accounts)............ 4508 383 2.a.1
--------
(2) Nontransaction accounts:
(a) Money market deposit accounts (MMDAs)... 4509 3,518 2.a.2a
--------
(b) Other savings deposits.................. 4511 9,355 2.a.2b
--------
(c) Time deposits of $100,000 or more....... A517 4,528 2.a.2c
--------
(d) Time deposits of less than $100,000..... A518 8,870 2.a.2d
b. Expense of federal funds purchased and
securities sold under agreements to repurchase.. 4180 36,968 2.b
--------
c. Interest on demand notes issued to the
U.S. Treasury, trading liabilities, and on
other borrowed money............................ 4185 4,367 2.c
--------
d. Not applicable
e. Interest on subordinated notes and debentures... 4200 1,744 2.e
--------
f. Total interest expense (sum of items 2.a
through 2.e).................................... 4073 69,733 RIAD 2.f
-------- ----
3. Net interest income (item 1.g minus 2.f)........................... 4074 62,008 3.
--------
4. Provisions:
a. Provision for credit losses..................................... 4230 1,400 4.a
--------
b. Provision for allocated transfer risk........................... 4243 0 4.b
--------
5. Noninterest income: RIAD
a. Income from fiduciary activities................ 4070 7,309 5.a
-------
b. Service charges on deposit accounts............. 4080 9,145 5.b
-------
c. Trading revenue (must equal Schedule RI, sum
of Memorandum Items 8.a through 8.d)............ A220 0 5.c
-------
d.-e. Not applicable
f. Other noninterest income:
(1) Other fee income............................ 5407 18,622 5.f.1
-------
(2) All other noninterest income*............... 5408 2,687 RIAD 5.f.2
-------
g. Total noninterest income (sum of items 5.a
through 5.f).................................................... 4079 37,763 5.g
-------
6.a. Realized gains (losses) on held-to-maturity securities........... 3521 0 6.a
-------
b. Realized gains (losses) on available-for-sale securities......... 3196 16 6.b
-------
7. Noninterest expense: RIAD
a. Salaries and employee benefits.................. 4135 18,691 7.a
-------
b. Expenses of premises and fixed assets
(net of rental income)
(excluding salaries and employee benefits
and mortgage interest).......................... 4217 6,038 7.b
-------
c. Other noninterest expense*...................... 4092 33,814 RIAD 7.c
-------
d. Total noninterest expense (sum of items 7.a
through 7.c).................................................... 4093 58,543 7.d
7 -------
8. Income (loss) before income taxes and extraordindary
items and other adjustments (item 3 plus or minus
items 4.a, 4.b, 5.g, 6.a, 6.b, and 7.d)............................ 4301 39,844 8.
-------
9. Applicable income taxes (on item 8)................................ 4302 14,237 9.
-------
10. Income (loss) before extraordinary items and other adjustments
(item 8 minus 9).................................................. 4300 25,607 10.
-------
11. Extraordinary items and other adjustments, net of income taxes*... 4320 0 11.
-------
12. Net income (loss) (sum of items 10 and 11)........................ 4340 25,607 12.
-------
----------
* Describe on Schedule RI-E - Explanations.
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date:3/31/98 State #:12-1159 FFIEC 032
X.X.XXX 0000 XXXXXX 000 Xxxxxx XX: D Cert #: 21043 RI-3
XXXXXXX, XX 00000 Transit #: 06310215
5
SCHEDULE RI - CONTINUED
1381-
Dollar Amounts in Thousands
------------------------------------------------------------------------
MEMORANDA
1. Interest expense incurred to carry tax-exempt RIAD Year to Date
securities, loans, and leases acquired after
August 7, 1986, that is not deductible for
federal income tax purposes 4513 496 M.1
--------
2. Income from the sale and servicing of mutual
funds and annuities (included in Schedule RI,
Item 8) 8431 1,774 M.2
--------
3. Not applicable
4. Number of full-time equivalent employees on
payroll at end of current period (round to nearest NUMBER
whole number) 4150 1,556 M.4
-------
5.-6. Not applicable
7. If the reporting bank has restated its balance sheet
as a result of applying push down accounting this
calendar year, report the date of the bank's CCYY / MM / DD
acquisition (1) 9106 N/A M.7
-------
8. Trading revenue (from cash instruments and off-
balance sheet derivative instruments) (sum of
Memorandum items 8.a through 8.d must equal
Schedule RI, item 5.c):
a. Interest rate exposures 8757 0 M.8.a
-------
b. Foreign exchange exposures 8758 0 M.8.b
-------
c. Equity security and index exposures 8759 0 M.8.c
-------
d. Commodity and other exposures................... 8760 0 M.8.d
-------
9. Impact on income of off-balance sheet derivatives
held for purposes other than trading:
a. Net increase (decrease) to interest income...... 8761 0 M.9.a
-------
b. Net (increase) decrease to interest expense..... 8762 144 M.9.b
-------
c. Other (noninterest) allocations................. 8763 0 M.9.c
-------
10. Credit losses on off-balance sheet derivatives
(see instructions)....... A251 0 M.10
-------
11. Does the reporting bank have a Subchapter S
election in effect for federal income tax purposes Yes / No
for the current tax year? A530 N/A M.11
--------
12. Deferred portion of total applicable income
taxes included in Schedule RI, Items 9 and 11
(to be reported with the December Report of Income)4772 N/A M.12
--------
---------
(1) For example, a bank acquired on June 1, 1997, would report 1997/06/01
SCHEDULE RI-A - CHANGES IN EQUITY CAPITAL
Indicate decreases and losses in parentheses. 1383-
Dollar Amounts in Thousands
---------------------------------------------------------------------
RIAD
1. Total equity capital originally reported in the
December 31, 1997, Reports of Condition and Income.. 3215 535,378 1
--------
2. Equity capital adjustments from amended Reports
of Income, net* 3216 0 2.
--------
3. Amended balance end of previous calendar year
(sum of items 1 and 2) 3217 525,378 3.
--------
4. Net income (loss) (must equal Schedule RI, item 12) 4340 25,607 4.
--------
5. Sale, conversion, acquisition, or retirement of
capital stock, net 4346 0 5.
--------
6. Changes incident to business combinations, net 4356 0 6.
--------
7. LESS: Cash dividends declared on preferred stock 4470 0 7.
--------
8. LESS: Cash dividends declared on common stock 4460 6,000 8.
--------
9. Cumulative effect of changes in accounting principles
from prior years* (see instructions for this
schedule) 4411 0 9.
--------
10. Corrections of material accounting errors from
prior years* (see instructions for this schedule) 4412 0 10.
--------
11. Change in net unrealized holding gains (losses)
on available-for-sale securities 8433 624 11.
--------
12. Other transactions with parent holding company*
(not included in item 5, 7, or 8 above) 4415 (676) 12.
--------
13. Total equity capital end of current period
(sum of items 3 through 12) (must equal
Schedule RC item 28) 3210 544,933 13.
--------
-----------
*Describe on Schedule RI-E - Explanations.
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date:3/31/98 State #:12-1159 FFIEC 032
X.X.XXX 0000 XXXXXX 000 Xxxxxx XX: D Cert #: 21043 RI-4
XXXXXXX, XX 00000 Transit #: 06310215
6
SCHEDULE RI-B -CHARGE-OFFS AND RECOVERIES ON LOANS AND LEASES AND
CHANGES IN ALLOWANCE FOR CREDIT LOSSES
PART I. CHARGE-OFFS AND RECOVERIES ON LOANS AND LEASES (1)
Part I excludes charge-offs and recoveries through the
allocated transfer risk reserve.
1386-
Dollar Amounts in Thousands
--------------------------------------------------------------------------------
--CALENDAR YEAR-TO-DATE--
(Column A) (Column B)
1. Loans secured by real estate: RIAD Charge-offs RIAD Recoveries
---- ----------- ---- ----------
a. To U.S. addressees (domicile) 4651 433 4661 51 1.a
---------- ---------
b. To non-U.S. addressees (domicile) 4652 0 4662 0 1.b
---------- ---------
2. Loans to depository institutions and
acceptances of other banks:
a. To U.S. banks and other U.S.
depository institutions 4653 0 4663 0 2.a
---------- ---------
b. To foreign banks 4654 0 4664 0 2.b
---------- ---------
3. Loans to finance agricultural production
and other loans to farmers 4655 0 4665 0 3
---------- ----------
4. Commercial and industrial loans:
a. To U.S. addressees (domicile) 4645 25 4617 699 4.a
---------- ----------
b. To non-U.S. addressees (domicile) 4646 0 4618 0 4.b
---------- ----------
5. Loans to individuals for household,
family, and other personal expeditures:
a. Credit cards and related plans 4656 205 4666 28 5.a.
---------- ----------
b. Other (includes single payment,
installment, and all student loans) 4657 1,199 4667 241 5.b.
---------- ----------
6. Loans to foreign governments and official
institutions 4643 0 4827 0 6
---------- ----------
7. All other loans 4644 80 4628 32 7
---------- ----------
8. Lease financing receivables:
a. Of U.S. addressees (domicile) 4658 750 4668 3 8.a.
---------- ----------
b. Of non-U.S. addressees (domicile) 4659 0 4669 0 8.b.
---------- ----------
9. Total (sum of items 1 through 8) 4635 2,692 4605 1,054 9
---------- ----------
MEMORANDA
Dollar Amounts in Thousands
--------------------------------------------------------------------------------
1.-3. Not applicable. --CALENDAR YEAR-TO-DATE--
(Column A) (Column B)
RIAD Charge-offs RIAD Recoveries
---- ----------- ---- ----------
4. Loans to finance commercial real estate,
construction, and land development
activities (not secured by real estate)
included in Schedule RI-B, part I, item 4
and 7, above 5409 0 5410 0 M.4
----------- ---------
5. Loans secured by real estate (sum of
Memorandum items 5.a through 5.e must equal
sum of Schedule RI-B, part I, item 1.a
and 1.b, above):
a. Construction and land development 3682 20 3583 4 M.5.a
----------- ---------
b. Secured by farmland 3584 0 3585 0 M.5.b
----------- ---------
c. Secured by 1-4 family residential
properties:
(1) Revolving, open-end loans secured
by 1-4 family residential
properties and extended under lines
of credit 5411 20 5412 0 M.5.c1
----------- ---------
(2) All other loans secured by 1-4
family residential properties 5413 36 5414 1 M.5.c2
----------- ---------
d. Secured by multifamily (5 or more)
residential properties 3588 0 3589 0 M.5.d
----------- ---------
e. Secured by nonfarm nonresidential
properties 3590 357 3591 46 M.5.e
----------- ---------
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date:3/31/98 State #:12-1159 FFIEC 032
X.X.XXX 0000 XXXXXX 000 Xxxxxx XX: D Cert #: 21043 RI-5
XXXXXXX, XX 00000 Transit #: 06310215
7
SCHEDULE RI-B - CONTINUED
PART II. CHANGES IN ALLOWANCE FOR CREDIT LOSSES
Dollar Amounts in Thousands
--------------------------------------------------------------------------------
RIAD
1. Balance originally reported in the December 31, 1997,
Reports of Condition and Income 3124 89,443 1.
-------
2. Recoveries (must equal or exceed part 1, item 9,
column B above) 2419 1,054 2.
-------
3. LESS: Charge-offs (must equal or exceed part 1,
item 9, column A above) 2432 2,692 3.
-------
4. Provision for credit losses (must equal Schedule RI,
Item 4.a) 4230 1,400 4.
-------
5. Adjustments* (see instructions for this schedule) 4815 0 5.
-------
6. Balance end of current period (sum of items 1 through 5)
(must equal or exceed Schedule RC, item 4.b) A512 89,205 6
------------
*Describe on Schedule RI-E - Explanations.
SCHEDULE RI-E - EXPLANATIONS
SCHEDULE RI-E IS TO BE COMPLETED EACH QUARTER ON A CALENDAR YEAR-TO-DATE BASIS.
Detail all adjustments in Schedules RI-A and RI-B, all extraordinary items and
other adjustments in Schedule RI, and all significant items of other noninterest
income and other noninterest expense in Schedule RI.
(See Instructions for details)
1395-
Dollar Amounts in Thousands
--------------------------------------------------------------------------------
1. All other noninterest income (from Schedule RI,
item 5.f.(2))
Report amounts that exceed 10% of Schedule RI,
item 5.f.(2): RIAD YEAR TO DATE
---- -----------
a. Net gains (losses) on other real estate owned 5415 321 1.a
b. Net gains (losses) on sales of loans 5416 1,064 1.b
c. Net gains (losses) on sales of premises and fixed
assets 5417 0 1.c
Itemize and describe the three largest other amounts that
exceed 10% of Schedule RI, item 5.f.(2):
TEXT
d. 4461 FOREIGN EXCHG-GAIN/LOSS 4461 461 1.d
e. 4462 SALE OF CUSTOMER CHECKS 4462 402 1.e
f. 4463 OTHER INCOME 4463 367 1.f
2. Other noninterest expense (from Schedule RI, item 7.c): RIAD YEAR TO DATE
---- ------------
a. Amoritization expense of intangible assets 4531 0 2.a
Report amounts that exceed 10% of Schedule RI, item 7.c:
b. Net (gains) losses on other real estate owned 5418 0 2.b
c. Net (gains) losses on sales of loans 5419 0 2.c
d. Net (gains) losses on sales of premises and fixed
assets 5420 0 2.d
Itemize and describe the three largest other amounts
that exceed 10% of Schedule RI, item 7.c:
TEXT
e. 4464 I/C DATA PROCESSING FEE 4464 10,999 2.e
f. 4467 CR-CD-INTERCHANGE EXP 4467 7,012 2.f
g. 4468 4468 0 2.g
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date:3/31/98 State #:12-1159 FFIEC 032
X.X.XXX 0000 XXXXXX 000 Xxxxxx XX: D Cert #: 21043 RI-6
XXXXXXX, XX 00000 Transit #: 06310215
8
SCHEDULE RI-E - CONTINUED
Dollar Amounts in Thousands
--------------------------------------------------------------------------------
3. Extraordinary items and other adjustments (from Schedule RI, item 11.a)
and applicable income tax effect (from Schedule RI, item 11.b) (itemize
and describe all extraordinary items and other adjustments):
TEXT Year-to-Date
RIAD
a.(1) 4469 RIAD 4469 0 3.a.1
(2) Applicable income tax effect 4486 0 3.a.2
b.(1) 4487 4487 0 3.b.1
(2) Applicable income tax effect 4488 0 3.b.2
c.(1) 4489 4489 0 3.c.1
(2) Applicable income tax effect 4491 0 3.c.2
4. Equity capital adjustments from amended
Reports of Income (from Schedule RI-A,
item 2)
(itemize and describe all adjustments):
TEXT RIAD
a. 4492 4492 0 4.a
b. 4493 4493 0 4.b
5. Cumulative effect of changes in accounting
principles from prior years (from Schedule RI-A,
item 9) (itemize and describe all changes in
accounting principles):
TEXT RIAD
a. 4494 4494 0 5.a
b. 4495 4495 0 5.b
6. Corrections of material accounting errors from
prior years (from Schedule RI-A, item 10)
(itemize and describe all corrections):
TEXT RIAD
a. 4496 4496 0 6.a
b. 4497 4497 0 6.b
7. Other transactions with parent holding company
(from Schedule RI-A, item 12)
(itemize and describe all such transactions):
TEXT RIAD
a. 4498 FIXED ASSET DIVIDEND 4498 (676) 7.a
b. 4499 4499 0 7.b
8. Adjustments to allowance for credit losses (from
Schedule RI-B, part II, Item 5)
(itemize and describe all adjustments):
TEXT RIAD
a. 4521 4521 0 8.a
b. 4522 4522 0 8.b
1398 1399-
9. Other explanations (the space below is provided
for bank to briefly describe, at its option, any
other significant items affecting the Repor RIAD
X = NO COMMENT - Y = COMMENT ______________ 4769 X
Other explanations (please type or print clearly):
TEXT 4769 (70 characters per line)
---------------------------------------------------
---------------------------------------------------
---------------------------------------------------
---------------------------------------------------
---------------------------------------------------
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date:3/31/98 State #:12-1159 FFIEC 032
X.X.XXX 0000 XXXXXX 000 Xxxxxx XX: D Cert #: 21043 RC-1
XXXXXXX, XX 00000 Transit #: 06310215
9
CONSOLIDATED REPORT OF CONDITION FOR INSURED COMMERCIAL
AND STATE-CHARTERED SAVINGS BANKS FOR MARCH 31, 1998
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
C300-
Dollar Amounts in Thousands
--------------------------------------------------------------------------------
ASSETS
1. Cash and balances due from depository institutions
(from Schedule RC-A): RCON
a. Noninterest-bearing balances and currency
and coin (1) 0061 547,698 1.a
b. Interest-bearing balances(2) 0071 4,167 1.b
2. Securities:
a. Held-to-maturity securities (from Schedule RC-B,
column A) 1754 0 2.a
b. Available-for-sale securities (from Schedule RC-B,
column D) 1773 725,998 2.b
3. Federal funds sold and securities purchased under
agreements to resell 1350 574,904 3
4. Loans and lease financing receivables: RCON
a. Loans and leases, net of unearned
income (from Schedule RC-C) 2122 6,058,046 4.a
b. LESS: Allowance for loan and lease
losses 3123 89,205 4.b
c. LESS: Allocated transfer risk
reserve 3128 0 4.c
d. Loans and leases, net of unearned RCON
income, allowance, and reserve
(item 4.a minus 4.b and 4.c) 2125 5,968,841 4.d
5. Trading assets (from Schedule RC-D) 3545 0 5.
6. Premises and fixed assets (including
capitalized leases) 2145 52,965 6.
7. Other real estate owned (from Schedule RC-M) 2150 2,071 7.
8. Investments in unconsolidated
subsidiaries and associated companies
(from Schedule RC-M) 2130 7,804 8.
9. Customers' liability to this bank of
acceptances outstanding 2155 1,847 9.
10.Intangible assets (from Schedule RC-M) 2143 0 10.
11.Other assets (from Schedule RC-F) 2160 82,572 11.
00.Xxxxx assets (sum of items 1 through 11) 2170 7,968,865 12.
-----------
(1) Includes cash items in process of collection and unposted debits.
(2) Includes time certificates of deposit not held for trading.
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date:3/31/98 State #:12-1159 FFIEC 032
X.X.XXX 0000 XXXXXX 000 Xxxxxx XX: D Cert #: 21043 RC-2
XXXXXXX, XX 00000 Transit #: 06310215
10
SCHEDULE RC- CONTINUED
Dollar Amounts in Thousands
--------------------------------------------------------------------------------
LIABILITIES
13. Deposits: RCON
a. In domestic offices (sum of totals
of columns A and C form Schedule RC-E CON 2200 4,184,594 13.a
(1) Noninterest-bearing(1) 6631 1,272,935 13.a.1
(2) Interest-bearing 6636 2,911,659 13.a.2
b. In foreign offices, Edge and Agreement
subsidiaries, and IBFs
(1) Noninterest-bearing
(2) Interest-bearing
14. Federal funds purchased and securities sold under agreements
to repurchase 2800 2,524,575 14
15.a.Demand notes issued to the U.S. Treasury 2840 0 15.a
x.Xxxxxxx liabilities (from Schedule RC-D) 3548 0 15.b
16. Other borrowed money (includes mortgage indebetedness
and obligations under captialized leases):
a.With a remaining maturity of one year or less 2332 502,732 16.a
b.With a remaining maturity of more than one year through
three years A547 0 16.b
c.With a remaining maturity of more than three years A548 0 16.c
17. Not applicable
18. Bank's liability on acceptances executed and outstanding 2920 1,847 18
19. Subordinated notes and debentures (2) 3200 160,000 19
20. Other liabilities (from Schedule RC-G) 2930 50,184 20
21. Total liabilities (sum of items 13 through 20) 2948 7,423,932 21
22. Not applicable
EQUITY CAPITAL
23. Perpetual preferred stock and related surplus 3838 0 23
24. Common stock 3230 5,098 24
25. Surplus (exclude all surplus related to preferred stock) 3839 124,125 25
26.a.Undivided profits and captial reserves 3632 411,373 26.a
x.Xxx unrealized holding gains (losses) on available-for-
sale securities 8434 4,337 26.b
27. Cumulative foreign currency translation adjustments 27
28. Total equity capital (sum of items 23 through 27) 3210 544,933 28
29. Total liabilities and equity capital (sum of items 21
and 28) 3300 7,968,865 29
MEMORANDUM
To be reported only with the March Report of Condition.
1. Indicate in the box at the right the number of the statement
below that best describes the most comprehensive level of
auditing work performed for the bank by independent external
auditors as of any date during 1997 6724 2 M.1
1=Independent audit of the bank conducted in accordance with generally accepted
auditing standards by a certified public accounting firm which submits a
report on the bank
2=Independent audit of the bank's parent holding company conducted in accordance
with generally accepted auditing standards by a certified public accounting
firm which submits a report on the consolidated holding company (but not on
the bank separately)
3=Directors' examination of the bank conducted in accordance with generally
accepted auditing standards by a certified public accounting firm (may be
required by state chartering authority)
4=Directors' examination of the bank performed by other external auditors
(may be required by state chartering authority)
5=Review of the bank's financial statements by external auditors
6=Compilation of the bank's financial statements by external auditors
7=Other audit procedures (excluding tax preparation work)
8=No external audit work
--------------
(1)Includes total demand deposits and noninterest-bearing time and savings
deposits.
(2)Includes limited-life preferred stock and related surplus.
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date:03/31/98 State#:12-1159 XXXXX 000
X.X. XXX 0000 XXXXXX 000 Xxxxxx XX: D Cert#: 21043 RC-3
XXXXXXX, XX 00000 Transit#: 06310215
11
SCHEDULE RC-A-CASH AND BALANCES DUE FROM DEPOSITORY INSTITUTIONS
Exclude assets held for trading.
C305-
DOLLAR AMOUNTS IN THOUSANDS
--------------------------------------------------------------------------------
1. Cash items in process of collection, unposted RCON
debits, and currency and coin: ----
a. Cash items in process of collection 0020 362,625 1.a
and unposted debits
b. Currency and coin 0080 93,726 1.b
2. Balances due from depository institutions in
the U.S.:
a. U.S. branches and agencies of foreign banks 0083 0 2.a
b. Other commercial banks in the U.S. and
other depository institutions in the U.S. 0085 23,569 2.b
3. Balances due from banks in foreign countries
and foreign central banks:
a. Foreign branches of other U.S. banks 0073 0 3.a
b. Other banks in foreign countries and
foreign central banks 0074 886 3.b
4. Balances due from Federal Reserve Banks 0090 71,057 4
5. Total (sum of items 1 through 4)(must equal
Schedule RC, sum of items 1.a and 1.b) 0010 551,863 5
MEMORANDUM
DOLLAR AMOUNTS IN THOUSANDS
--------------------------------------------------------------------------------
1. Noninterest-bearing balances due from commercial CON
banks in the U.S. (included in items 2.a and 2.b
above)__________________________________________ 0050 19,402 M.1
SCHEDULE RC-B--SECURIITES
Exclude assets held for training.
C310-
DOLLAR AMOUNTS IN THOUSANDS
--------------------------------------------------------------------------------
HELD TO MATURITY AVAILABLE TO SALE
(COLUMN A) (COLUMN B) (COLUMN C) (COLUMN D)
AMORTIZED COST FAIR VALUE AMORTIZED COST FAIR VALUE(1)
RCON CON CON CON
---- --- --- ---
1. U.S. Treasury
securities 0211 0 0213 0 1286 364,317 1287 367,892 1
2. U.S. Government agency
obligations(exclude mortgage-
backed securities):
a. Issued by U.S. Government
agencies(2) 1289 0 1290 0 1291 0 1293 0 2.a
b. Issued by U.S. Government-
sponsored agencies(3) 1294 0 1295 0 1297 69,595 1298 70,837 2.b
---------
(1) Includes equity securities without readily determinable fair values at
historical cost in item 6.b, column D.
(2) Includes Small Business Administration "Guaranteed Loan Pool Certificates,"
U.S. Maritime Administration obligations, and Export - Import Bank
participation certificates.
(3) Includes obligations(other than mortgage-backed securities) issued by the
Farm Credit System, the Federal Home Loan Bank System, The Federal Home
Loan Mortgage Corporation, the Federal National Mortgage Association, the
Financing Corporation, the Resolution Funding Corporation, the Student Loan
Marketing Association, and the Tennessee Valley Authority.
SUNTRUST BANK, CENTRAL, FLORIDA N.A. Call Date: 03/31/98 State #: 12-1159 FFIEC 032
X.X. XXX 0000 XXXXXX 000 Xxxxxx XX: D Cert #: 21043 RC-4
XXXXXXX, XX 00000 Transit #: 06310215
12
SCHEDULE RC-B CONTINUED
DOLLAR AMOUNTS IN THOUSANDS
--------------------------------------------------------------------------------------------------------------------
HELD TO MATURITY AVAILABLE FOR SALE
(COLUMN A) (COLUMN B) (COLUMN C) (COLUMN D)
AMORTIZED COST FAIR VALUE AMORTIZED COST FAIR VALUE(1)
3. Securities issued by states and political
subdivisions in the U.S.: CON CON CON CON
------------ ------------- ------------- -------------
a. General obligations 1676 0 1677 0 1678 30,479 1679 31,517 3.a
--------- --------- --------- ---------
b Revenue obligation 1681 0 1686 0 1690 3,993 1691 4,235 3.b
--------- --------- --------- ---------
c. Industrial development
and similar obligations 1694 0 1695 0 1696 0 1697 0 3.c
--------- --------- --------- ---------
4. Mortgage-backed securities (MBS):
a. Pass-through securities
(1) Guaranteed by GNMA 1698 0 1699 0 1701 53,032 1702 53,734 4.a(1)
--------- --------- --------- ---------
(2) Issued by FNMA and FHLMC 1703 0 1705 0 1706 74,000 1707 74,193 4.a(2)
--------- --------- --------- ---------
(3) Other pass-through securities 1709 0 1710 0 1711 0 1713 0 4.a(3)
--------- --------- --------- ---------
b. Other mortgage-backed securities (include
(CMOs, REMICs and stripped MBS):
(1) issued or guaranteed by FNMA, CON CON CON CON
------------ ------------- ------------- -------------
FHLMC, or GNMA 1714 0 1715 0 1716 90,800 1717 90,917 4.b(1)
--------- --------- --------- ---------
(2) Collaterized by MBS issued or guaranteed
by FNMA, FHLMC, or GNMA 1718 0 1719 0 1731 0 1732 0 4.b(2)
--------- --------- --------- ---------
(3) All other mortgage-backed securities 1733 0 1734 0 1735 0 1736 0 4.b(3)
--------- --------- --------- ---------
5. Other debt securities:
a. Other domestic debt securities 1737 0 1738 0 1739 0 1741 0 5.a
--------- --------- --------- ---------
b. Foreign debt securities 1742 0 1743 0 1744 250 1746 250 5.b
--------- --------- --------- ---------
6. Equity securities:
a. Investments in mutual funds and
other equity securities with
readily determinable fair values A510 28,546 A511 28,546 6.a
--------- ---------
b. All other equity securities(1) 1752 3,877 1753 3,877 6.b
--------- ---------
7. Total (sum of items 1 through 6) (total of
Column A must equal Schedule RC item 2.a)
(total of column D must equal Schedule RC, CON CON CON CON
------------ ------------- ------------- -------------
item 2.b) 1754 0 1771 0 1772 718,889 1773 725,998 7.
--------- --------- --------- ---------
----------
(1) Includes equity securities without readily determinable fair values at
historical cost in item 6.b, column D.
SUNTRUST BANK, CENTRAL, FLORIDA N.A. Call Date: 03/31/98 State #: 12-1159 FFIEC 032
X.X. XXX 0000 XXXXXX 000 Xxxxxx XX: D Cert #: 21043 RC-5
XXXXXXX, XX 00000 Transit #: 06310215
13
SCHEDULE RC-B CONTINUED
C312
MEMORANDA DOLLAR AMOUNTS IN THOUSANDS
--------------------------------------------------------------------------------------------------------------------------
RCON
--------------
1. Pledged securities(1) 0416 552,145 M.1
----------
2. Maturity and repricing data for debt securities (1,2) (excluding those in nonaccrual status):
a. Securities issued by the U.S. Treasury, U.S. Government agencies, and states
and political subdivisions in the U.S.: 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 repricing
frequency of (3,4)
(1) Three months or less A549 54,983 M.2.a1
----------
(2) Over three months through 12 months A550 173,145 M.2.a2
----------
(3) Over one year through three years A551 187,290 M.2.a3
----------
(4) Over three years through five years A552 43,702 M.2.a4
----------
(5) Over five years through 15 years A553 15,611 M.2.a5
----------
(6) Over 15 years A554 0 M.2.a6
----------
b. Mortgage pass-through securities backed by closed-end first lien 1-4 family
residential mortgages with a remaining maturity or repricing frequency of: (3,5) A555 12,895 M.2.b1
----------
(1) Three months or less A556 102,303 M.2.b2
----------
(2) Over three months through 12 months A557 164 M.2.b3
----------
(3) Over one year through three years A558 8,003 M.2.b4
----------
(4) Over three years through five years A559 4,396 M.2.b5
----------
(5) Over five years through 15 years A560 146 M.2.b6
----------
(6) Over 15 years
c. Other mortgage-backed securities (include CMOs, REMICs, and stripped MBS;
exclude mortgage pass-through securities) with an expected average life of; (6)
(1) Three years or less A561 89,119 M.2.c1
----------
(2) Over three years A562 1,798 M.2.c2
----------
d. Fixed rate AND floating rate debt securities with a REMAINING MATURITY of one
year or less (included in Memorandum items 2.a through 2.c above) A248 272,656 M.2.d
----------
3.-6 Not applicable
7. Amortized cost of held-to-maturity securities sold or transferred to available-for-sale or
trading securities during the calendar year-to-date (report the amortized cost at date
of sale or transfer 1776 0 M.7
----------
8. High-risk mortgage securities (included in the held-to maturity and available-for-sale
accounts in Schedule RC-B, item 4.b)
a. Amortized cost 8780 0 M.8.a
----------
b. Fair value 8781 0 M.8.b
----------
9. Structured notes (included in the held-to-maturity and available-for-sale
accounts in Schedule RC-B, items 2, 3, and 5);
a. Amortized cost 8782 0 M.9.a
----------
b. Fair value 8783 0 M.9.b
----------
----------
(1) Includes held-to-maturity securities at amortized cost and
available-for-sale securities at fair value.
(2) Exclude equity securities, e.g., investments in mutual funds, Federal
Reserve stock, common stock, and preferred stock.
(3) Report fixed rate debt securities by remaining maturity and floating rate
debt securities by repricing frequency.
(4) Sum of Memorandum items 2.a(1) through 2.a.(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 9, column C, must equal
Schedule RC-B, sum of items 1, 2, 3 and 5, columns A and D, plus mortgage
pass-through securities other than those backed by closed-end first lien
1-4 family residential mortgages included in Schedule RC-B, item 4.a,
columns A and D.
(5) Sum of Memorandum items 2.b.(1) through 2.b(6) plus any nonaccrual mortgage
pass-through securities backed by closed-end first lien 1-4 family
residential mortgages included in Schedule RC-N, item 9, column C, must
equal Schedule RC-B, item 4.a, sum of columns A and D, less the amount of
mortgage pass-through securities other than those backed by closed-end
first lien 1-4 family residential mortgages included in Schedule RC-B, item
4.a, columns A and D.
(6) Sum of Memorandum items 2.c.(1) and 2.c.(2) plus any nonaccrual "Other
mortgage-backed securities" included in Schedule RC-N, item 9, column C,
must equal Schedule RC-B, item 4.b, sum of columns A and D.
SUNTRUST BANK, CENTRAL, FLORIDA N.A. Call Date: 03/31/98 State #: 12-1159 FFIEC 032
X.X. XXX 0000 XXXXXX 000 Xxxxxx XX: D Cert #: 21043 RC-6
XXXXXXX, XX 00000 Transit #: 06310215
14
SCHEDULE RC-C - LOANS AND LEASE FINANCING RECEIVABLES
PART 1. LOANS AND LEASES
Do not deduct the allowance for loan and lease losses from amounts reported in
this schedule. Report total loans and leases, net of unearned income. Exclude
assets held for trading and commercial paper.
C315-
DOLLAR AMOUNTS IN THOUSANDS
-------------------------------------------------------------------------------------------------------------------
1. Loans secured by real estate: RCON
-------------------
a. Construction and land development 1415 164,655 1.a
-----------
b. Secured by farmland (including farm residential and other improvements) 1420 25,299 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 95,842 1.c.1
-----------
(2) All other loans secured by 1-4 family residential properties:
(a) Secured by first liens 5367 1,107,288 1.c.2a
-----------
(b) Secured by junior liens 5368 104,244 1.c.2b
-----------
d. Secured by multifamily (5 or more) residential properties 1460 33,125 1.d
-----------
e. Secured by nonfarm nonresidential properties 1480 429,959 1.e
-----------
2. Loans to depository institutions:
a. To commercial banks in the U.S.:
(1) To U.S. branches and agencies of foreign banks 1506 0 2.a1
-----------
(2) To other commercial banks in the U.S. 1507 218,185 2.a2
-----------
b. To other depository institutions in the U.S. 1517 107 2.b
-----------
c. To banks in foreign countries:
(1) To foreign branches of other U.S. banks 1513 0 2.c1
-----------
(2) To other banks in foreign countries 1516 0 2.c2
-----------
3. Loans to finance agricultural production and other loans to farmers 1590 55,372 3.
-----------
4. Commercial and industrial loans:
a. To U.S. addressees (domicile) 1763 2,684,665 4.a
-----------
b. To non-U.S. addressees (domicile) 1764 25,440 4.b
-----------
5. Acceptances of other banks:
a. Of U.S. banks 1756 345 5.a
-----------
b. Of foreign banks 1757 379 5.b
6. Loans to individuals for household, family, and other personal expenditures
(i.e., consumer loans) (includes purchased paper):
a. Credit cards and related plans (includes check credit and other revolving credit plans) 2008 23,255 6.a
-----------
b. Other (includes single payment, installment, and all student loans) 2011 514,726 6.b
-----------
7. Loans to foreign government and official institutions (including foreign central banks) 2081 0 7
-----------
8. Obligations (other than securities and leases) of states and political subdivisions
in the U.S. (includes nonrated industrial development obligations) 2107 196,190 8
-----------
9. Other Loans:
a. Loans for purchasing or carrying securities (secured and unsecured) 1545 89,259 9.a
-----------
b. All other loans (exclude consumer loans) 1564 133,675 9.b
-----------
10. Lease financing receivables (net of unearned income):
a. Of U.S. addressees (domicile) 2182 156,036 10.a
-----------
b. Of non-U.S. addressees (domicile) 2183 0 10.b
-----------
11. LESS: Any unearned income on loans reflected in items 1-9 above 2123 0 11.
-----------
12. Total loans and leases, net of unearned income (sum of items 1 through 10
minus items 11) (must equal Schedule RC, item 4.a) 2122 6,058,046 12
-----------
SUNTRUST BANK, CENTRAL, FLORIDA N.A. Call Date: 03/31/98 State #: 12-1159 FFIEC 032
X.X. XXX 0000 XXXXXX 000 Xxxxxx XX: D Cert #: 21043 RC-7
XXXXXXX, XX 00000 Transit #: 06310215
15
SCHEDULE RC-C CONTINUED
PART 1. CONTINUED
MEMORANDA DOLLAR AMOUNTS IN THOUSANDS
----------------------------------------------------------------------------------------------------------------------------------
1. Not applicable
2. Loans and Leases restructured and in compliance with modified items (included in
Schedule RC-C, part 1, above, and not reported as past due or nonaccrual in Schedule RC-N,
Memorandum item 1):
a. Loans secured by real estate: RCON
------------------------
(1) To U.S. addressees (domicile) 1687 0 M.2.a.1
------------
(2) To non-U.S. addressees (domiciles 1689 0 M.2.a.2
------------
b. All other loans and lease financing receivables (exclude loans to individuals for
household, family, and other personal expenditures) 8691 0 M.2.b
------------
c. Commercial and industrial loans to and lease financing receivables of
non-U.S. addressees (domicile) included in Memorandum item 2.b above 8692 0 M.2.c
------------
3. Maturity and repricing date 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 1, item 1.c(2).(a)) with a remaining maturity or repricing frequency
of: (1,2)
(1) Three months or less A564 11,043 M.3.a1
------------
(2) Over three months through 12 months A565 353,723 M.3.a2
------------
(3) Over one year through three years A566 124,647 M.3.a3
------------
(4) Over three years through five years A567 404,586 M.3.a4
------------
(5) Over five years through 15 years A568 155,402 M.3.a5
------------
(6) Over 15 years A569 55,886 M.3.a6
------------
b. All loans and leases (reported in Schedule RC-C, part I, items 1 through 10) 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)) with a remaining maturity or repricing frequency of: (1,3)
(1) Three months or less A570 2,857,166 M.3.b1
------------
(2) Over three months through 12 months A571 329,074 M.3.b2
------------
(3) Over one year through three years A572 454,912 M.3.b3
------------
(4) Over three years through five years A573 777,883 M.3.b4
------------
(5) Over five years through 15 years A574 472,847 M.3.b5
------------
(6) Over 15 years A575 49,386 M.3.b6
------------
c. Fixed rate AND floating rate loans and leases (reported in Schedule RC-C, part I,
items 1 through 10)) with a REMAINING MATURITY of one year or less A247 1,325,544 M.3.c
------------
d. Fixed rate AND floating rate loans secured by nonfarm nonresidential properties (reported in
Schedule RC-C, part 1, item 1.a) with a REMAINING MATURITY of over five years
(included in Memorandum item 3.b above) A577 142,830 M.3.d
------------
e. Fixed rate AND floating rate commercial and industrial loans (reported in Schedule RC-C, part 1,
item 4) with a REMAINING MATURITY of over three years A578 1,376,632 M.3.e
------------
----------
(1) Report fixed rate loans and leases by remaining maturity and floating rate
loans by repricing frequency.
(2) Sum of Memorandum items 3.a.(1) through 3.a.(6) plus total nonaccrual
closed-end loans secured by first liens on 1-4 family residential
properties included in Schedule RC-N, Memorandum item 3.c.(2), column C,
must equal total closed-end loans secured by first liens on 1-4 family
residential properties from Schedule RC-C, part 1, item 1.c(2)(a).
(3) Sum of Memorandum items 3.b.(1) through 3.b.(6) plus total nonaccrual loans
and leases from Schedule RC-N, sum of items 1 through 8, column C, minus
nonaccrual closed-end loans secured by first liens on 1-4 family
residential properties included in Schedule RC-N. Memorandum item 3.c.(2),
column C, must equal total loans and leases from Schedule RC-C, Part I, sum
of items 1 through 10, minus total closed-end loans secured by first liens
on 1-4 family residential properties in domestic offices from Schedule
RC-C, part I, item 1.c(2)(a)
SUNTRUST BANK, CENTRAL, FLORIDA N.A. Call Date: 03/31/98 State #: 12-1159 FFIEC 032
X.X. XXX 0000 XXXXXX 000 Xxxxxx XX: D Cert #: 21043 RC-8
XXXXXXX, XX 00000 Transit #: 06310215
16
SCHEDULE RC-C CONTINUED
PART 1. CONTINUED
MEMORANDA DOLLAR AMOUNTS IN THOUSANDS
----------------------------------------------------------------------------------------------------------------------------------
4. Loans to finance commercial real estate, construction, and land development activities
(not secured by real estate) included in Schedule RC-C, part 1, items 4 and 9.b,
page RC-6 (1) 2746 66,181 M.4
------------
5. Loans and leases held for sale (included in Schedule RC-C, part 1, page 1, page RC-C 5369 23,900 M.5
------------
6. Adjustable rate closed-end loans secured by first liens on 1-4 family residential properties
(included in Schedule RC-C, part I, item 1.c.(2)(a), page RC-6) 6370 908,813 M.6
-------------
----------
(1) Exclude loans secured by real estate that are included in Schedule RC-C,
part I, items 1.a through 1.e.
SCHEDULE RC-D TRADING ASSETS AND LIABILITIES
Schedule RC-D is to be completed by banks with $1 billion or more in total
assets or with $2 billion or more in par/notional amount of off-balance sheet
derivative contracts (as reported in Schedule RC-L, items 14.a through 14.e,
columns A through D).
C320-
DOLLAR AMOUNTS IN THOUSANDS
-----------------------------------------------------------------------------------------------------------------
ASSETS RCON
1. U.S. Treasury securities 3531 0 1
-------
2 U.S. Government agency obligations (exclude mortgage-backed securities) 3532 0 2
-------
3. Securities issued by states and political subdivisions in the U.S. 3533 0 3
-------
4. Mortgage-backed securities (MBS):
a. Pass-through securities issued or guaranteed by FNMA, GHLMC, or GNMA 3534 0 4.a
-------
b. Other mortgage-backed securities issued or guaranteed by FNMA, FHLMC, or GNMA
(include CMOs, REMICs, and stripped MBS) 3535 0. 4.b
-------
c. All other mortgage-backed securities 3536 0 4.c
-------
5. Other debt securities 3537 0 5
-------
6.-8. Not applicable
9. Other trading assets 3541 0 9
-------
10. Not applicable
11. Revaluation gains on interest rate, foreign exchange rate, and other commodity and equity
contracts 3543 0 11
-------
12. Total trading assets (sum of items 1 through 11) must equal Schedule RC, item 5) 3545 0 12
-------
LIABILITIES
13. Liability for short positions 3546 0 13
-------
14. Revaluation losses on interest rate, foreign exchange rate, and other commodity and equity
contracts 3547 0 14
-------
15. Total trading liabilities (sum of items 13 and 14) (must equal Schedule RC, item 15.b) 3548 0 15
-------
SUNTRUST BANK, CENTRAL, FLORIDA N.A. Call Date: 03/31/98 State #: 12-1159 FFIEC 032
X.X. XXX 0000 XXXXXX 000 Xxxxxx XX: D Cert #: 21043 RC-9
XXXXXXX, XX 00000 Transit #: 06310215
17
SCHEDULE RC-E - DEPOSIT LIABILITIES C325-
TRANSACTION ACCOUNTS NONTRANSACTION
ACCOUNTS
( (COLUMN A) (COLUMN B) (COLUMN C)
TOTAL MEMO: TOTAL TOTAL
TRANSACTION DEMAND NONTRANSACTION
DOLLAR AMOUNTS IN THOUOSANDS ACCOUNTS DEPOSITS ACCOUNTS
-------------------------------------------------- (INCLUDING TOTAL (INCLUDED IN (INCLUDING
DEMAND DEPOSITS) COLULMN A) MMDAs)
DEPOSITS OF: RCON CON CON
---------------- ---------------- ----------------
1. Individuals, partnerships and corporations 2201 1,064,892 2240 892,164 2346 2,789,783 1
2. U.S. Government 2202 829 2280 829 2520 0 2
3. States and political subdivisions in the U.S. 2203 32,313 2290 28,551 2530 86,949 3
4. Commercial banks in the U.S. 2206 197,510 2310 197,510 2550 0 4
5. Other depository institutions in the U.S. 2207 6,992 2312 6,992 2349 0 5
6. Banks in foreign countries 2213 421 2320 421 2236 0 6
7. Foreign governments, and official institutions
(including foreign central banks) 2216 0 2300 0 2377 0 7
8. Certified and official checks 2330 4,905 2330 4,905 8
9. Total (sum of items 1 through 8) (sum of
columns A and C must equal Schedule RC,
items 13.a) 2215 1,307,862 2210 1,131,372 2285 2,876,732 9
MEMORANDA DOLLARS AMOUNTS IN THOUSANDS
---------------------------------------------------------------------------------------------------------------
1. Selected components of total deposits (i.e., sum of items 9, columns A and C): RCON
b. Total Individual Retirement Accounts (IRAs) and Xxxxx Plan accounts 6835 141,869 M.1.a
b. Total brokered deposits 2365 4,000 M.1.b
c. Fully insured brokered deposits (included in Memorandum item 1.b above):
(1) Issued in denominations of less than $100,000 2343 0 M.1.c1
(2) Issued either in denomination of $100,000 or in denominations greater than
$100,000 and participated out by the broker in shares of $100,000 or less 2344 0 M.1.c2
d. Maturity data for brokered deposits:
(1) Brokered deposits issued in denominations of less than $100,000 with a remaining
maturity of one year or less (included in Memorandum item 1.c(1) above A243 0 M.1.d1
(2) Brokered deposits issued in denominations of $100,000 or more with a remaining
maturity of one year or less (included in Memorandum item 1.b above) A244 4,000 M.1.d2
e. Preferred deposits (uninsured deposits of states and political subdivisions in the U.S.
reported in item 3 above which are secured or collateralized as required under state law)
(to be completed for the December report only) 5590 N/A M.1.e
2. Components of total nontransaction accounts (sum of Memorandum items 2.a through 2.d
must equal item 9, column C, above):
a. Savings deposits:
(1) Money market depost accounts (MMDAs) 6810 871,820 M.2.a1
(2) Other savings deposits (excludes MMDAs) 0352 995,983 M.2.a2
b. Total time deposits of less than $100,000 6648 691,673 M.2.b
c. Total time deposits of $100,000 or more 2604 317,256 M.2.c
3. All NOW accounts (included in column A above) 2398 176,490 M.3
4. Not applicable
SUNTRUST BANK, CENTRAL, FLORIDA N.A. Call Date: 03/31/98 State #: 12-1159 FFIEC 032
X.X. XXX 0000 XXXXXX 000 Xxxxxx XX: D Cert #: 21043 RC-10
XXXXXXX, XX 00000 Transit #: 06310215
18
MEMORANDA (CONTINUED) DOLLARS AMOUNTS IN THOUSANDS
---------------------------------------------------------------------------------------------------------------
5. Maturity and repricing data for time deposits of less than $100,000:
a. Time deposits of less than $100,000 with a remaining maturity or repricing
frequency of: (1,2) RCON
(1) Three months or less A579 200,559 M.5.a1
(2) Over three months through 12 months A580 295,403 M.5.a2
(3) Over one year through three years A581 171,895 M.5.a3
(4) Over three years A582 23,816 M.5.a4
b. Fixed rate AND floating rate time deposits of less than $100,000 with a REMAINING
MATURITY of one year or less (included in Memorandum items 5.a.(1)
through 5.a.(4) above) A241 483,160 M.5.b
6. Maturity and repricing data for time deposits of $100,000 or more:
a. Time deposits of $100,000 or more with remaining maturity or repricing
frequency of: (1,3)
(1) Three months or less A584 94,581 M.6.a1
(2) Over three months through 12 months A585 119,942 M.6.a2
(3) Over one year through three years A586 93,803 M.6.a3
(4) Over three years A587 8,930 M.6.a4
b. Fixed rate AND floating rate time deposits of $100,000 or more with a REMAINING
MATURITY of one year or less (included in memorandum items 6.a.(1)
through 6.a.(4) above) A242 211,876 M.6.b
----------
(1) Report fixed rate time deposits by remaining maturity and floating rate
time deposits by repricing frequency.
(2) Sum of Memorandum items 5.a.(1) through 5.a.(4) must equal Schedule RC-E
Memorandum item 2.b above
2) Sum of Memorandum items 6.a.(1) through 6.b.(4) must equal Schedule RC-E
Memorandum item 2.c above
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date:03/31/98 State#:12-1159 FFIEC
X.X. XXX 0000 XXXXXX 000 Xxxxxx XX: D Cert#: 21043 RC-11
XXXXXXX, XX 00000 Transit#: 06310215
19
SCHEDULE RC-F-OTHER ASSETS
C330-
DOLLAR AMOUNTS IN THOUSANDS
--------------------------------------------------------------------------------
RCON
----
1. Income earned, not collected on loans 2164 36,167 1.
2. Net deferred tax assets(1) 2148 25,477 2.
3. Interest-only strips receivable
(not in the form of a security)(2) on:
a. Mortgage loans A519 0 3.a
b. Other financial assets A520 0 3.b
4. Other (itemize and describe amounts that
exceed 25% of this item) 2168 20,928 4.
TEXT RCON
---- ----
a. 3549 SECURITIES-ACCRD INC 3549 7,422 4.a
b. 3550 3550 0 4.b
c. 3551 3551 0 CON 4.c
---
5. Total(sum of items 1 through 4)(must equal
Schedule RC, item 11) 2160 82,572 5.
DOLLAR AMOUNTS IN THOUSANDS
--------------------------------------------------------------------------------
MEMORANDUM RCON
----
1. Deferred tax assets disallowed for regulatory
capital purposes______________________________ 5610 0 M.1
SCHEDULE RC-G-OTHER LIABILITIES
C335-
DOLLAR AMOUNTS IN THOUSANDS
--------------------------------------------------------------------------------
RCON
----
1. a. Interest accrued and unpaid on
deposits(3) 3645 11,414 1.a
b. Other expenses accrued and unpaid
(includes accrued income taxes payable) 3646 32,581 1.b
2. Net deferred tax liabilities(1) 3049 0 2.
3. Minority interest in consolidated
subsidiaries 3000 0 3.
4. Other(itemize and describe amounts that
exceed 25% of this item) 2938 6,189 4.
TEXT RCON
---- ----
a. 3552 ACCOUNTS PAYABLE 3552 1,955 4.a
b. 3553 3553 0 4.b
c. 3554 3554 0 CON 4.c
5. Total (sum of items 1 through 4)(must equal ---
Schedule RC, item 20) 2930 50,184 5.
--------
(1) See discussion of deferred income taxes in Glossary entry on "income taxes."
(2) Report interest-only strips receivable in the form of a security as
available-for sale securities in Schedule RC, Item 2.b, or as trading assets
in Schedule RC, Item 5, as appropriate.
(3) For savings banks, includes "dividends" accrued and unpaid on deposits.
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date:3/31/98 State #:12-1159 FFIEC 032
X.X.XXX 0000 XXXXXX 000 Xxxxxx XX: D Cert #: 21043 RC-12
XXXXXXX, XX 00000 Transit #: 06310215
20
SCHEDULE RC-K QUARTERLY AVERAGES (1)
C355-
DOLLAR AMOUNTS IN THOUSANDS
------------------------------------------------------------------------------
ASSETS RCON
1. Interest-bearing balances due from depository
institutions 3381 4,166 1.
2. U.S. Treasury securities, U.S. Government agency
obligations (2) 3382 737,291 2
3. Securities issued by states and political
subdivisions in the U.S.(2) 3383 34,750 3.
4.a.Other debt securities (2) 3647 250 4.a
b.Equity securities (3)(includes investments in
mutual funds and Federal Reserve stock) 3648 26,341 4.b
5. Federal funds sold and securities purchased under
agreements to resell 3365 612,819 5
6. Loans:
a. Total loans 3360 5,790,884 6.a
b. Loans secured by real estate 3385 1,937,514 6.b
c. Loans to finance agricultural production and
other loans to farmers 3386 69,768 6.c
d. Commercial and industrial loans 3387 2,817,159 6.d
e. Loans to individiuals for household, family, and
other personal expenditures 3388 542,685 6.e
7. Trading assets 3401 0 7.
8. Lease financing receivables (net of unearned income) 3484 151,954 8.
9. Total assets(4) 3368 7,881,082 9.
LIABILITIES
10.Interest-bearing transaction accounts (NOW accounts,
ATS accounts, and telephone and preauthorized
transfer accounts) (exclude demand deposits) 3485 164,922 10
11.Nontransaction accounts:
a. Money market deposit accounts (MMDAs) 3488 850,523 11.a
b. Other savings deposits 3487 985,337 11.b
c. Time deposits of $100,000 or more A514 331,631 11.c
d. Time deposits of less than $100,000 A529 682,242 11.d
12.Federal funds purchased and securities sold under
agreements to repurchase 3353 2,729,264 12
13.Other borrowed money (includes mortgage
indebtedness and obligations under capitalized
leases) 3355 307,944 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 of the quarter).
(2)Quarterly averages for all debt securities should be based on amoritized
cost.
(3)Quarterly averages for all equity securities should be based on historical
cost.
(4)The quarterly averages for total assets should reflect all debt securities
(not held for trading) at amortized cost, equity securities with readily
determinable fair values at the lower of cost or fair value, and equity
securities without readily determinable fair values at historical cost.
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date:03/31/98 State#:12-1159 XXXXX 000
X.X. XXX 0000 XXXXXX 000 Xxxxxx XX: D Cert#:21043 RC-13
XXXXXXX, XX 00000 Transit#: 06310215
21
SCHEDULE RC-L - OFF-BALANCE SHEET ITEMS
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.
C360-
DOLLAR AMOUNTS IN THOUSANDS
--------------------------------------------------------------------------------
1. Unused commitments:
a. Revolving, open-end lines secured by RCON
1-4 family residential properties, ----
e.g., home equity lines 3814 158,679 1.a
b. Credit card lines 3815 0 1.b
c. Commercial real estate, construction,
and land development:
(1) Commitments to fund loans secured by
real estate 3816 230,524 1.c.1
(2) Commitments to fund loans not secured
by real estate 6550 81,347 1.c.2
d. Securities underwriting 3817 0 1.d
e. Other unused commitments 3818 4,976,171 1.e
2. Financial standby letters of credit CON 3819 837,363 2.
a. Amount of financial standby letters of ---
credit conveyed to others 3820 293,348 2.a
3. Performance standby letters of credit 3821 33,291 3.
a. Amount of performance standby letters
of credit conveyed to others 3822 7,104
4. Commercial and similar letters of credit 3411 10,563 4.
5. Participation in acceptances (as described
in the instructions) conveyed to others
by the reporting bank 3428 21 5.
6. Participations in acceptance (as described
in the instructions) acquired by the reporting
(nonaccepting) bank 3429 0 6.
7. Securities borrowed 3432 0 7.
8. Securities lent (including customers' securities
lent where the customer is indemnified
against loss by the reporting bank) 3433 0 8.
9. Financial assets transferred with recourse
that have been treated as sold for Call Report
purposes: RCON
----
a. First lien 1-to-4 family residential
mortgage loans:
(1) Outstanding principal balance of mortgages
transferred as of the report date A521 0 9.a.1
(2) Amount of recourse exposure on these
mortgages as of the report date A522 0 9.a.2
b. Other financial assets (excluding small
business obligations reported in Item 9.c):
(1) Outstanding principal balance of assets
transferred as of the report date A523 0 9.b.1
(2) Amount of recourse exposure on these
assets as of the report date A524 0 9.b.2
c. Small business obligations transferred with
recourse under Section 208 of the Xxxxxx
Community Development and Regulatory Improvement
Act of 1994:
(1) Outstanding principal balance of small
business obligations transferred as of the
report date A249 0 9.c.1
(2) Amount of retained recourse on these
obligations as of the report date A250 0 9.c.2
10. Notional amount of credit derivatives:
a. Credit derivatives on which the reporting bank
is the guarantor A534 0 10.a
b. Credit derivatives on which the reporting bank
is the beneficiary A535 0 10.b
11. Spot foreign exchange contracts 8765 0 11.
12. All other off-balance sheet liabilities (exclude
off-balance sheet derivatives)(itemize and
describe each component of this item over 25% of
Schedule RC, item 28, "Total equity capital") 3430 0 12
TEXT RCON
----
a. 3555 3555 0 12.a
b. 3556 3556 0 12.b
c. 3557 3557 0 12.c
d. 3558 3558 0 00.x
XXXXXXXX XXXX, XXXXXXX XXXXXXX N.A. Call Date:03/31/98 State#:12-1159 XXXXX 000
X.X. XXX 0000 XXXXXX 000 Xxxxxx XX: D Cert#:21043 RC-14
XXXXXXX, XX 00000 Transit#: 06310215
22
SCHEDULE RC-L CONTINUED
DOLLARS AMOUNTS IN THOUSANDS
--------------------------------------------------------------------------------
13. All other off-balance sheet assets (exclude
off-balance sheet derivatives)(itemize and CON
describe each component of this item over ---
25% Schedule RC, item 28, "Total equity capital") 5591 0 13
TEXT RCON
----
a. 5592 5592 0 13.a
b. 5593 5593 0 13.b
c. 5594 5594 0 13.c
d. 5595 5595 0 13.d
C361,-
(COLUMN A) (COLUMN B) (COLUMN C) (COLUMN D)
OFF-BALANCE SHEET DERIVATIVES INTEREST FOREIGN EQUITY COMMODITY
RATE EXCHANGE DERIVATIVE AND OTHER
14. Gross amounts (e.g. notional CONTRACTS CONTRACTS CONTRACTS CONTRACTS
amounts)(for each column, sum
of items 15, 16a. and 16.b): CON CON CON CON
--- --- --- ---
a. Futures contracts 8693 0 8694 0 8695 0 8696 0 14.a
b. Forward contracts 8697 0 8698 0 8699 0 8700 0 14.b
c. Exchange-traded option contracts:
(1) Written options 8701 0 8702 0 8703 0 8704 0 14.c1
(2) Purchased Options 8705 0 8706 0 8707 0 8708 0 14.c2
d. Over-the-counter options contracts:
(1) Written options 8709 0 8710 0 8711 0 8712 0 14.d1
(2) Purchased options 8713 0 8714 0 8715 0 8716 0 14.d2
e. Swaps 3450 155,328 3826 0 8719 0 8720 0 14.e
15. Total gross notional amount
of derivative contracts held
for trading A126 0 A127 0 8723 0 8724 0 15.
16. Total gross notional amount
of derivative contracts held for
purposes other than trading:
a. Contracts marked to market 8725 0 8726 0 8727 0 8728 0 16.a
b. Contracts not marked to
market 8729 155,328 8730 0 8731 0 8732 0 16.b
c. Interest rate swaps where the
bank has agreed to pay a
fixed rate A589 55,328 16.c
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date:03/31/98 State#:12-1159 XXXXX 000
X.X. XXX 0000 XXXXXX 000 Xxxxxx XX: D Cert#:21043 RC-15
XXXXXXX, XX 00000 Transit#: 06310215
23
SCHEDULE RC-L CONTINUED
DOLLARS AMOUNTS IN THOUSANDS
--------------------------------------------------------------------------------
(COLUMN A) (COLUMN B) (COLUMN C) (COLUMN D)
OFF-BALANCE SHEET DERIVATIVES INTEREST FOREIGN EQUITY COMMODITY
Position Indicators RATE EXCHANGE DERIVATIVE AND OTHER
17. Total gross fair value of derivative CONTRACTS CONTRACTS CONTRACTS CONTRACTS
contracts: CON CON CON CON
a. Contracts held for trading: --- --- --- ---
(1) Gross positive fair value 8733 0 8734 0 8735 0 8736 0 17.a1
(2) Gross negative fair value 8737 0 8738 0 8739 0 8740 0 17.a2
b. Contracts held for purposes
other than trading that are
marked to market:
(1) Gross positive fair value 8741 0 8742 0 8743 0 8744 0 17.b1
(2) Gross negative fair value 8745 0 8746 0 8747 0 8748 0 17.b2
c. Contracts held for purposes other
than trading that are not marked
to market:
RCON CON CON CON
---- --- --- ---
(1) Gross positive fair value 8749 4,575 8750 0 8751 0 8752 0 17.c1
(2) Gross negative fair value 8753 1,592 8754 0 8755 0 8756 0 17.c2
MEMORANDA DOLLARS AMOUNTS IN THOUSANDS
--------------------------------------------------------------------------------
1.- 2. Not applicable
3. Unused commitments with an original maturity
exceeding one year that are reported in
Schedule RC-L, items 1.a through 1.e above
(report only the unused portions of RCON
commitments that are fee paid or otherwise ----
legally binding) 3833 3,677,860 M.3
RCON
a. Paricipations in commitments with an original ----
maturity exceeding one year conveyed to others 3834 397,744 M.3.a
4. To be completed only by banks with $1 billion or
more in total assets:
Standby letters of credit (both financial and RCON
performance) issued to non-U.S. addresses ----
(domicile) included in Schedule RC-L, items 2
and 3, above 3377 1,614 M.4
5. Loans to individuals for household, family, and other
personal expenditures that have been securitized and
sold (with servicing retained), amounts outstanding
by type of loan: RCON
a. Loans to purchase private passenger automobiles ----
(to be completed for the September report only) 2741 N/A M.5.a
b. Credit cards and related plans (TO BE COMPLETED
QUARTERLY) 2742 0 M.5.b
c. All other consumer credit (including mobile home loans)
(to be completed for the September report only) 2743 N/A M.5.c
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date:03/31/98 State#:12-1159 XXXXX 000
X.X. XXX 0000 XXXXXX 000 Xxxxxx XX: D Cert#:21043 RC-16
XXXXXXX, XX 00000 Transit#: 06310215
24
SCHEDULE RC-M-MEMORANDA
DOLLARS AMOUNTS IN THOUSANDS
--------------------------------------------------------------------------------
1. Extensions of credit by the reporting bank to its
executive officers, directors, principal
shareholders, and their related interests as of
the report date: CON
a. Aggregate amount of all extensions of credit ---
to all executive officers, directors, principal
shareholders, and their related interests 6164 111,308 1.a
b. Number of executive officers, directors, and principal
shareholders to whom the amount of all extensions
of credit by the reporting bank (including
extensions of credit to related interests) equals
or exceeds the lesser of $500,000 or 5 percent CO NUMBER
of total capital as defined for this purpose in agency -- ------
regulations 6165 9 1.b
2. Federal funds sold and securities purchased under CON
agreements to resell with U.S. branches and agencies ---
of foreign banks (1)(included in Schedule RC, item 3) 3405 0 2
3. Not applicable
4. Outstanding principal balance of 1-4 family
residential mortgage loans services for others
(include both retained servicing and purchased servicing):
a. Mortgages serviced under GNMA contract 5500 0 4.a
b. Mortgages serviced under FHLMC contract:
(1) Serviced with recourse to servicer 5501 0 4.b.1
(2) Serviced without recourse to servicer 5502 0 4.b.2
c. Mortgages serviced under a FNMA contract:
(1) Serviced under a regular option contract 5503 0 4.c.1
(2) Serviced under a special option contract 5504 0 4.c.2
d. Mortgages serviced under other servicing contracts 5505 0 4.d
5. TO BE COMPLETED ONLY BY BANKS WITH $1 BILLION OR MORE IN TOTAL ASSETS:
Customers' liability to this bank on acceptances
outstanding (sum of items 5.a and 5.b must equal Schedule RC item 9):
a. U.S. addresses (domicile) 2103 1,847 5.a
b. Non-U.S. addresses (domicile) 2104 0 5.b
6. Intangible assets:
a. Mortgage servicing rights 3164 0 6.a
(1) Estimated fair value or mortgage servicing assets A590 0 6.a.1
b. Other identifiable tangible assets:
(1) Purchased credit card relationships 5506 0 6.b.1
(2) All other identifiable intangible assets 5507 0 6.b.2
c. Goodwill 3163 0 6.c
d. Total (sum of items 6.a, 6.b.(1), 6.b.(2), and 6.c)
(must equal Schedule RC, item 10) 2143 0 6.d
e. Amount of intangible assets (included in item 6.b.(2)
above) that have been grandfathered or are otherwise
qualifying for regulatory capital purposes 6442 0 6.e
7. Mandatory convertible debt, net of common or perpetual
preferred stock dedicated to redeem the debt 3295 0 7.
---------
(1) Do not report federal funds sold and securities purchased under
agreements to resell with other commercial banks in the U.S. in this
item.
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date:03/31/98 State#:12-1159 XXXXX 000
X.X. XXX 0000 XXXXXX 000 Xxxxxx XX: D Cert#:21043 RC-17
XXXXXXX, XX 00000 Transit#: 06310215
25
SCHEDULE RC-M-CONTINUED
DOLLARS AMOUNTS IN THOUSANDS
--------------------------------------------------------------------------------
8.a. Other real estate owned: RCON
----
(1) Direct and indirect investments in
real estate ventures 5372 0 8.a.1
(2) All other real estate owned:
(a) Construction and land development 5508 0 8.a.2a
(b) Farmland 5509 0 8.a.2b
(c) 1-4 family residential properties 5510 2,050 8.a.2c
(d) Multifamily (5 or more) residential properties 5511 0 8.a.2d
(e) Nonfarm nonresidential properties 5512 21 8.a.2e
(3) Total (sum of items 8.a.(1), and 8.a.(2))(must equal
Schedule RC, item 7) 2150 2,071 8.a.3
b. Investments in unconsolidated subsidiaries and associated
companies:
(1) Direct and indirect investments in real estate ventures 5374 0 8.b.1
(2) All other investments in unconsolidated subsidiaries and
associated companies 5375 7,804 8.b.2
(3) Total (sum of items 8.b.(1) and 8.b.(2))(must equal
Schedule RC, item 8) 2130 7,804 8.b.3
9. Noncumulative perpetual preferred stock and related surplus
included in Schedule RC, item 23, "Perpetual preferred stock
and related surplus" 3776 0 9.
10. Mutual fund and annuity sales during the quarter(including
proprietary, private label, and third party products):
a. Money market funds 6441 175,469 10.a
b. Equity securities funds 8427 10,748 10.b
c. Debt securities funds 8428 7,601 10.c
d. Other mutual funds 8429 10,591 10.d
e. Annuities 8430 3,523 10.e
f. Sales of proprietary mutual funds and annuities(included
in items 10.a through 10.e above) 8784 189,641 10.f
11. Net unamortized realized deferred gains(losses) on off-
balance sheet derivative contracts included in assets and
liabilities reported in Schedule RC A526 0 11.
12. Amount of assets netted against nondeposit liabilities on the
balance sheet (Schedule RC) in accordance with generally
accepted accounting principals(1) A526 0 12.
13. Outstanding principal balance of loans other than 1-4
family residential mortgage loans that are serviced
for others(to be completed if this balance is more
than $10 million and exceeds ten percent of total assets) A591 0 13.
-------------------------------------------------------------------------------
MEMORANDUM DOLLAR AMOUNTS IN THOUSANDS
-------------------------------------------------------------------------------
1. Reciprocal holdings of banking organizations' capital
instruments(to be completed for the December report only) 3836 N/A M.1
-------------------------------------------------------------------------------
-----------
(1) Exclude netted on-balance sheet amounts associated with off-balance sheet
derivative contracts, deferred tax assets netted against deferred tax
liabilities, and assets netted in accounting for pensions.
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date:03/31/98 State#:12-1159 XXXXX 000
X.X. XXX 0000 XXXXXX 000 Xxxxxx XX: D Cert#:21043 RC-18
XXXXXXX, XX 00000 Transit#: 06310215
26
SCHEDULE RC-N-PAST DUE AND NONACCRUAL LOANS, LEASES, AND OTHER ASSETS
The FFIEC regards the information reported in all of Memorandum item 1, in items
1 through 10, column A, and in Memorandum items 2 through 4, column A, as
confidential.
C370,-
DOLLARS AMOUNTS IN THOUSANDS
--------------------------------------------------------------------------------
(COLUMN A) (COLUMN B) (COLUMN C)
PAST DUE PAST DUE 90 NONACCRUAL
30 THROUGH 89 DAYS OR MORE
DAYS AND STILL AND STILL
ACCRUING ACCRUING
1. Loans secured by real estate: RCON CON CON
---- --- ---
a. To U.S. addresses (domicile) 1245 23,781 1246 408 1247 7,699 1.a
b. To non-U.S. addresses (domicile) 1248 0 1249 0 1250 0 1.b
2. Loans to depository institutions and
acceptances of other banks:
a. To U.S. banks and other U.S.
depository institutions 5377 0 5378 0 5379 0 2.a
b. To foreign banks 5380 0 5381 0 5382 0 2.b
3. Loans to finance agricultural
production and other loans to
farmers 1594 0 1597 0 1583 20 3.
4. Commercial and industrial loans:
a. To U.S. addresses (domicile) 1251 2,372 1252 40 1253 1,157 4.a
b. To non-U.S. addresses (domicile) 1254 0 1255 0 1256 0 4.b
5. Loans to individuals for household,
family, and other personal expenditures:
a. Credit cards and related plans 5383 28 5384 32 5385 7 5.a
b. Other(includes single payment,
installment, and all student
loans) 5386 3,504 5387 414 5388 817 5.b
6. Loans to foreign governments and
official institutions 5389 0 5390 0 5391 0 6
7. All other loans 5459 4,228 5460 0 5461 0 7
8. Lease financing receivables:
a. Of U.S. addresses (domicile) 1257 204 1258 0 1259 1,791 8.a
b. Of non-U.S. addresses (domicile) 1271 0 1272 0 1291 0 8.b
9. Debt securities and other assets
(exclude other real estate owned and
other repossessed assets) 3505 0 3506 0 3507 0 9.
================================================================================
Amounts reported in items 1 through 8 above include guaranteed and
unguaranteed portions of past due and nonaccrual loans and leases. Report in
item 10 below certain guaranteed loans and leases that have already been
included in the amounts reported in items 1 through 8.
10. Loans and leases reported in items 1
through 8 above which are wholly or RCON CON CON
partially guaranteed by the U.S. ---- --- ---
Government 5612 83 5613 0 5614 122 10
a. Guaranteed portion of loans
and leases included in item 10
above 5615 75 5616 0 5617 91 10.a
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date:03/31/98 State#:12-1159 XXXXX 000
X.X. XXX 0000 XXXXXX 000 Xxxxxx XX: D Cert#:21043 RC-19
XXXXXXX, XX 00000 Transit#: 06310215
27
SCHEDULE RC-N-CONTINUED
C373,-
DOLLARS AMOUNTS IN THOUSANDS
--------------------------------------------------------------------------------
(COLUMN A) (COLUMN B) (COLUMN C)
PAST DUE PAST DUE 90 NONACCRUAL
MEMORANDA 30 THROUGH 89 DAYS OR MORE
DAYS AND STILL AND STILL
ACCRUING ACCRUING
1. Restructured loans and leases RCON CON CON
included in Schedule RC-N, items ---- --- ---
1 through 8, above (and not reported
in Schedule RC-C, Memorandum item 2) 1658 0 1659 0 1661 0 M.1
2. Loans to finance commercial real
estate, construction, and land
development activities (not secured
by real estate) included in Schedule
RC-N, items 4 and 7, above 6558 4,210 6559 0 6560 0 M.2
3. Loans secured by real estate (sum
of Memorandum items 3.a through 3.e
must equal sum of Schedule RC-N, items
1.a and 1.b above):
a. Construction and land development 2759 303 2769 0 3492 1,821 M.3a
b. Secured by farmland 3493 0 3494 0 3495 2,057 M.3b
c. Secured by 1-4 family
residential properties:
(1) Revolving, open-end loans
secured by 1-4 family
residential properties and
extended under lines of credit 5398 61 5399 80 5400 227 M.3c1
(2) All other loans secured by 1-4
family residential properties 5401 4,512 5402 28 5403 2,001 M.3c2
d. Secured by multifamily (5 or more)
residential properties 3499 0 3500 0 3501 65 M.3d
e. Secured by nonfarm nonresidential
properties 3502 18,905 3503 300 3504 1,528 M.3e
(COLUMN A) (COLUMN B)
PAST DUE PAST DUE 90
30 THROUGH 89 DAYS OR MORE
DAYS AND STILL AND STILL
ACCRUING ACCRUING
4. Interest rate, foreign exchange RCON CON
rate, and other commidity and equity ---- ---
contracts:
a. Book value of amounts carried as
assets 3522 0 3526 0 M.4.a
b. Replacement cost of contracts with
a positive replacement cost 3529 0 3530 0 M.4.b
--------------------------------------------------------------------------------
PERSON TO WHOM QUESTIONS ABOUT THE REPORTS OF CONDITION AND INCOME SHOULD BE
DIRECTED: C377,-
TELEPHONE:
NAME TITLE AREA CODE/PHONE NUMBER/EXTENSION
---- ----- --------------------------------
8901 XXX XXXXXX 8901 VP 0000 000-000-0000
Even though Call Reports must be filed electronically,
send my bank a sample set of paper Call Report
or the next quarter: CO YES/NO FAX:AREA CODE/PHONE NUMBER
----------- -- ----- -----------------------
9117 NO 9116
--------------------------------------------------------------------------------
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date:03/31/98 State#:12-1159 XXXXX 000
X.X. XXX 0000 XXXXXX 000 Xxxxxx XX: D Cert#:21043 RC-20
XXXXXXX, XX 00000 Transit#: 06310215
28
SCHEDULE RC-O-OTHER DATA FOR DEPOSIT INSURANCE AND FICO ASSESSMENTS
C375,-
DOLLARS AMOUNTS IN THOUSANDS
--------------------------------------------------------------------------------
1. Unposted debits (see instructions): RCON
----
a. Acutal amount of all unposted debits 0030 107 1.a
OR
b. Separate amount of umposted debits:
(1) Actual amount of unposted debits to
demand deposits 0031 0 1.b.1
(2) Actual amount of unposted debits to
time and savings deposits (1) 0032 0 1.b.2
2. Unposted credits (see instructions):
a. Actual amount of all unposted credits 5310 0 2.a
OR
b. Separate amount of unposted credits:
(1) Actual amount of unposted credits to
demand deposits 3512 5,909 2.b.1
(2) Actual amount of unposted credits to
time and savings deposits (1) 5314 0 2.b.2
3. Uninvested trust funds(cash)held in bank's
own trust department(not included in total
deposits) 3520 0 3.
4. Deposits of consolidated subsidiaries(not
included in total deposits):
a. Demand deposits of consolidated
subsidiaries 2211 0 4.a
b. Time and savings deposits (1) of
consolidated subsidiaries 2351 0 4.b
c. Interest accrued and unpaid on
deposits of consolidated subsidiaries 5514 0 4.c
5. Not applicable.
6. Reserve balances actually passed through to the
Federal Reserve by the reporting bank on
behalf of its respondent depository institutions
that are also reflected as deposit liabilities
of the reporting bank: RCON
a. Amount reflected in demand deposits ----
(included in Schedule RC-E, Memorandum
item 4.a) 2314 121 6.a
b. Amount reflected in time and savings
deposits(included in Schedule RC-E,
Memorandum item 4.b) 2315 0 6.b
7. Unamortized premiums and discounts on time
and savings deposits:(1),(2)
a. Unamortized premiums 5516 0 7.a
b. Unamortized discounts 5517 0 7.b
8. To be completed by banks with "Oakar
deposits".
a. Deposits purchased or acquired from
other FDIC-Insured institutions during
the quarter:
(1) Total deposits purchased or acquired
from other FDIC-Insured institutions
during the quarter A531 0 8.a.1
(2) Amount of purchased or acquired deposits
reported in item 8.a.(1) above
attributable to a secondary fund
(i.e., BIF members report deposits
attributable to SAIF; SAIF menbers report
deposits attributable to BIF) A532 0 8.a.2
b. Total deposits sold or transferred to
other FDIC-Insured institutions during
the quarter A533 0 8.b
9. Deposits in lifeline accounts 5596 9.
10. Benefit-responsive "Depository Institution
Investment Contracts"(included in total
deposits) 8432 0 10.
--------
(1) For FDIC Insurance and FICO assessment purposes, "time and savings deposits"
consists of nontransaction accounts and nontransaction accounts and all
transaction accounts other than demand deposits.
(2) Exclude core deposit intangibles.
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date: 03/31/98 State#:12-1159 XXXXX 000
X.X. XXX 0000 XXXXXX 000 Xxxxxx XX: D Cert#:21043 RC-21
XXXXXXX, XX 00000 Transit #: 06310215
29
SCHEDULE RC-O - CONTINUED
DOLLAR AMOUNTS IN THOUSANDS
--------------------------------------------------------------------------------
11. Adjustments to demand deposits reported
in Schedule RC-E for certain reciprocal demand
balances:
a. Amount by which demand deposits would be
reduced if the reporting bank's reciprocal
demand balances with the domestic offices
of U.S. banks and savings associations
and insured branches in Puerto Rico and
U.S. territories and possessions that were
reported on a gross basis in Schedule RC-E RCON
had been reported on a net basis ----
b. Amount by which demand deposits would be 8785 0 11.a
increased if the reporting bank's reciprocal
demand balances with foreign banks and
foreign offices of other U.S. banks (other
than insured branches in Puerto Rico and
U.S. territories and possessions) that were
reported on a net basis in Schedule RC-E
had been reported on a gross basis A181 0 11.b
c. Amount by which demand deposits would be
reduced if cash items in process of
collection were included in the calculation
of the reporting bank's net reciprocal
demand balances with the domestic offices
of U.S. banks and savings associations and
insured branches in Puerto Rico and U.S.
territories and possessions in Schedule
RC-E A182 0 11.c
12. Amount of assets netted against deposit
liabilities on the balance sheet (Schedule
RC) in accordance with generally accepted
accounting principles (exclude amounts
related to reciprocal demand balances):
a. Amount of assets netted against demand
deposits A527 0 12.a
b. Amount of assets netted against time and
savings deposits A528 0 12.b
MEMORANDA (TO BE COMPLETED EACH QUARTER EXCEPT
AS NOTED) DOLLAR AMOUNTS IN THOUSANDS
--------------------------------------------------------------------------------
1. Total deposits of the bank (sum of Memorandum
items 1.a.(1) and 1.b.(1) must equal Schedule
RC, item 13.a):
a. Deposit accounts of $100,000 or less: RCON
----
(1) Amount of deposit accounts of $100,0000
or less 2702 2,584,881 M.1.a1
(2) Number of deposit accounts of $100,000
of less RCO NUMBER
--- ------
(TO BE COMPLETED FOR THE JUNE REPORT
ONLY) 3779 N/A M.1.a2
b. Deposit accounts of more than $100,000: RCON
----
(1) Amount of deposit accounts of more
than $100,000 2710 1,599,713 M.1.b1
(2) Number of deposit accounts of more
than $100,000 2722 4,803 M.1.b2
2. Estimated amount of uninsured deposits of the
bank:
a. An estimate of your bank's uninsured
deposits can be determined by multiplying
the number of deposit accounts of more
than $100,000 reported in Memorandum item
1.b.(2) above by $100,000 and subtracting
the result from the amount of deposit
accounts of more than $100,000 reported in
Memorandum item 1.b.(1) ablove.
Indicate in the appropriate box at right
whether your bank has a method or
procedure for determining a better
estimate of uninsured deposits than the RCO YES/NO
estimate described above --- ------
b. If the box marked YES has been checked, 6861 NO M.2.a
report the estimate of uninsured deposits
determined by using your bank's method or
procedure 5597 N/A M.2.b
3. Has the reporting institution been
consolidated with a parent bank or savings
association in that parent bank's or parent
savings association's Call Report or Thrift
Financial Report?
If so, report the legal title and FDIC
Certificate Number of the parent bank or
parent savings association:
TEXT RCO FDIC CERT NO.
--- -------------
A545 A545 N/A M.3
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date: 03/31/98 State#:12-1159 XXXXX 000
X.X. XXX 0000 XXXXXX 000 Xxxxxx XX: D Cert#:21043 RC-22
XXXXXXX, XX 00000 Transit #: 06310215
30
SCHEDULE RC-R - REGULATORY CAPITAL
This schedule must be completed by all banks as follows: Banks that reported
total assets of $1 billion or more in Schedule RC item 12, for June 30, 1997,
must complete items 2 through 9 and Memoranda items 1 and 2. BANKS WITH ASSETS
OF LESS THAN $1 BILLION MUST COMPLETE ITEMS 1 THROUGH 3 BELOW OR SCHEDULE RCR IN
ITS ENTIRETY, DEPENDING ON THEIR RESPONSE TO ITEM 1 BELOW.
1. TEST FOR DETERMINING THE EXTENT TO WHICH
SCHEDULE RC-R MUST BE COMPLETED. C380-
TO BE COMPLETED ONLY BY BANKS WITH TOTAL
ASSETS OF LESS THAN $1 BILLION.
Indicate in the appropriate box at the right
whether the bank has total capital greater CO YES/NO
than or equal to eight percent of adjusted -- ------
total assets 6056 NO 1.
For purposes of this test, adjusted total assets equals total assets less
cash, U.S. Treasuries, U.S. Government agency obligations, and 80 percent of
U.S. Government-sponsored agency obligations plus the allowance for loan and
lease losses and selected off-balance sheet items as reported on Schedule
RC-L (see instructions).
If the box marked YES has been checked, then the bank only has to complete
items 2 and 3 below. If the box marked NO has been checked, the bank must
complete the remainder of this schedule.
A NO response to item 1 does not necessarily mean that the bank's actual
risk-based capital ratio is less than eight percent or that the bank is not
in compliance with the risk-based capital guidelines.
NOTE: ALL BANKS ARE REQUIRED TO COMPLETE
ITEMS 2 AND 3 BELOW.
DOLLAR AMOUNTS IN THOUSANDS
--------------------------------------------------------------------------------
2. Portion of qualifying limited-life capital instruments
(original weighted average maturity of at least five years)
that is includible in Tier 2 capital: RCON
----
a. Subordinated debt (1) and intermediate term preferred stock A515 160,000 2.a
b. Other limited-life capital instruments A516 0 2.b
3. Amounts used in calculating regulatory capital ratios (report
amounts determined by the bank for its own internal regulatory
capital analyses consistent with applicable capital standards):
a. (1) Tier 1 capital 8274 540,596 3.a.(1)
(2) Tier 2 capital 8275 249,205 3.a.(2)
(3) Tier 3 capital 1395 0 3.a.(3)
b. Total risk-based capital 3792 789,801 3.b
c. Excess allowance for loan and lease losse
(amount that exceeds 1.25% of gross risk-weighted assets) A222 0 3.c
d. (1) Net risk-weighted assets (gross risk-weighted assets
less excess allowance reported in item 3.c above and
all other deductions) A223 7,724,420 3.d.1
(2) Market risk equivalent assets 1651 0 3.d.2
e. Maximum contractual dollar amount of recourse exposure in
low level recourse transactions (to be completed only if
the bank uses the "direct reduction method" to report
these transactions in Schedule RC-R) 1727 0 3.e
f. "Average total assets" (quarterly average reported in
Schedule RC-K, item 9, less all assets deducted from Tier 1
capital(2) A224 7,881,082 3.f
Items 4-9 and Memoranda items 1 and 2 are to be completed
by banks that answered NO to item 1 above and
by banks with total assets of $1 billion or more. --(Column A)- (Column B)- 3.f
Assets Credit Equi
Recorded valent Amount
on the of Off-Balance
DOLLAR AMOUNTS IN THOUSANDS Balance Sheet Sheet Items (3)
----------------------------------------------------------------------------------------
4. Assets and credit equivalent amount of
off-balance sheet items assigned to the Zero
percent risk category: RCON
----
a. Assets recorded on the balance sheet 5163 932,467 CON 4.a
---
b. Credit equivalent amount of off-balance
sheet items 3796 0 4.b
----------
(1) Exclude mandatory convertible debt reported in Schedule RC-M, item 7.
(2) Do not deduct excess allowance for loan and lease losses.
(3) Do not report in column B the risk-weighted amount of assets reported in
column A.
SUNTRUST BANK, CENTRAL FLORIDA N.A. Call Date: 03/31/98 State#:12-1159 XXXXX 000
X.X. XXX 0000 XXXXXX 000 Xxxxxx XX: D Cert#:21043 RC-23
XXXXXXX, XX 00000 Transit #: 06310215
31
SCHEDULE RC-R - CONTINUED
--(Column A)- (Column B)- 3.f
Assets Credit Equiv
Recorded valent Amount
on the of Off-Balance
DOLLAR AMOUNTS IN THOUSANDS Balance Sheet Sheet Items (2)
----------------------------------------------------------------------------------------
5. Assets and credit equivalent amounts of
off-balance sheet items assigned to the
20 percent risk category: RCO
---
a. Assets recorded on the balance sheet 5165 1,148,491 CON 5.a
---
b. Credit equivalent amount of off-balance
sheet items 3801 580,068 5.b
6. Assets and credit equivalent amounts of
off-balance sheet items assigned to the
50 percent risk category:
a. Assets recorded on the balance sheet 3802 1,298,627 6.a
b. Credit equivalent amount of off-balance
sheet items 3803 127,269 6.b
7. Assets and credit equivalent amounts of
off-balance sheet items assigned to the
100 percent risk category:
a. Assets recorded on the balance sheet 3804 4,671,376 7.a
b. Credit equivalent amount of off-balance
sheet items 3805 1,994,384 7.b
8. On-balance sheet asset values excluded from
and deducted in the calculation of the
risk-based capital ratio(2) 3806 7,109 8.
9. Total assets recorded on the balance sheet
(sum of items 0.x, 0.x, 0.x, 0.x, and 8,
column A) (must equal Schedule RC, item
12.c plus items 4.b and 4.c) 3807 8,058,070 9.
MEMORANDA DOLLAR AMOUNTS IN THOUSANDS
--------------------------------------------------------------------------------
1. Current credit exposure across all off-balance sheet derivative
contracts covered by the risk-based capital standards 8764 4,575 M.1
------------ With a remaining maturity of -----------
--(Column A)-- -(Column B)-- -(Column C)--
One Year Over Over
or less one year five years
thru five years
2. Notional principal amounts of
off-balance sheet derivative
contracts:(3) RCON CON CON
---- --- ---
a. Interest rate contracts 3809 0 8766 23,572 8767 131,756 M.2.a
b. Foreign exchange contracts 3812 0 8769 0 8770 0 M.2.b
c. Gold contracts 8771 0 8772 0 8773 0 M.2.c
d. Other precious metals
contracts 8774 0 8775 0 8776 0 M.2.d
e. Other commodity contracts 8777 0 8778 0 8779 0 M.2.e
f. Equity derivatives contracts A000 0 A001 0 A002 0 M.2.f
----------
(1) Do not report in column B the risk-weighted amount of assets reported in
column A.
(2) Include the difference between the fair value and the amortized cost of its
available-for-sale securities in item 8 and report the amortized cost of
these securities in items 4 through 7 above. Item 8 also includes on-balance
sheet asset values (or portions thereof) of off-balance sheet interest rate,
foreign exchange rate, and commodity contracts and those contracts (e.g.
future contracts) not subject to risk-based capital. Item 8 margin accounts
and accrued receivables not included in the calculation of credit equivalent
amounts of off-balance sheet derivatives as well as any portion of the
allowance for loan and lease losses in excess of the amount that may be
included in Tier 2 capital.
(3) Exclude foreign exchange contracts with an original maturity of 14 days or
less and all futures contracts.
