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Federal Financial Institutions Examination Council
Annual Dodd-Frank Act Company-Run Stress Test Report for
Depository Institutions and Holding Companies with
$10 – $50 Billion in Total Consolidated Assets—FFIEC 016
Reporting entities are expected to complete Income Statement
and Balance Sheet schedules for each required scenario —
Baseline, Adverse, and Severely Adverse.
Please note that unlike Call Report and FR Y-9C reporting, all
projected income statement figures should be reported on a
quarterly basis (in the quarter), and not on a cumulative year-to-
date basis.
All reporting entities should submit their completed report via
the Federal Reserve System's Reporting Central Application.
https://www.frbservices.org/central-bank/reporting-central/index.html
Report as of the close of business December 31 of each calendar year.
This report is required by law: Section 165(i)(2) of the Dodd-
Frank Wall Street Reform and Consumer Protection Act (12
U.S.C. § 5365(i)(2)).
This report form is to be filed by entities that meet a threshold of
greater than $10 billion but less than $50 billion in total consoli-
dated assets, as defined by 12 CFR 252, Subpart B (FRB): State
Member Banks, Bank Holding Companies, and Savings and
Loan Holding Companies; 12 CFR 325, Subpart C (FDIC): State
Nonmember Banks and State Savings Associations; and 12 CFR
46 (OCC): National Banks and Federal Savings Associations.
The estimated average reporting burden for this information collection is 469 hours per response, including time to gather and maintain data in the required form and to review instructions
and complete the information collection. A Federal agency may not conduct or sponsor, and an organization (or a person) is not required to respond to, a collection of information unless it
displays a currently valid OMB control number. Comments regarding this burden estimate or any other aspect of this information collection, including suggestions for reducing the burden,
should be directed to the Office of Information and Regulatory Affairs, Office of Management and Budget, Washington, DC 20503, and to one of the following: Secretary, Board of
Governors of the Federal Reserve System, 20th and C Streets, NW, Washington, DC 20551; Legislative and Regulatory Analysis Division, Office of the Comptroller of the Currency,
Washington, DC 20219; Assistant Executive Secretary, Federal Deposit Insurance Corporation, Washington, DC 20429.
12/2017
Person to whom inquiries regarding this report may be directed:
Name / Title (CSTX 8901)
Area Code / Phone Number (CSTX 8902)
Area Code / FAX Number (CSTX 9116)
E-mail Address (CSTX 4086)
Legal Entity Identifier (LEI) of the Reporting Entity
(Report only if the reporting entity already has an LEI.) (CSTX 9224)
Board of Governors of the Federal Reserve System OMB Number 7100-0356
Federal Deposit Insurance Corporation OMB Number 3064-0187
Office of the Comptroller of the Currency OMB Number 1557-0311
Approval expires March 31, 2021
Page 1 of 18
Summary Schedule
FFIEC 016
Page 2 of 18
12/2017
Dollar Amounts in Thousands
FR Y-9C Report Item
FFIEC 031
Call Report Item
FFIEC 041
Call Report Item
Actual
As of 12/31
Projected (CSPTP009)
PQ1 PQ2 PQ3 PQ4 PQ5 PQ6 PQ7 PQ8 PQ9
Scenario Summaries
Baseline Scenario (CSPTP006)
1. Total loan and lease net charge-offs. .. .. . .. . .. . .. . .. . .. . .. . ... ... ... . BHCK4635 - BHCK4605 RIAD4635 - RIAD4605 RIAD4635 - RIAD4605
CSATN206 CSPTN206
2. Pre-provision net revenue .. .. .. . .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... .. ..
BHCK4074 + BHCK4079 -
BHCK4093
RIAD4074 + RIAD4079 -
RIAD4093
RIAD4074 + RIAD4079 -
RIAD4093
CSATN207
CSPTN207
3. Net Income .. .. .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. BHCK4340 RIAD4340 RIAD4340
CSAT4340
CSPT4340
4. Allowance for loan and lease losses . . .. . .. . .. . .. . .. . .. . .. . ... ... ... .. BHCK3123 RCFD3123 RCON3123
CSAT3123 CSPT3123
5. Total assets . . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... BHCK2170 RCFD2170 RCON2170
CSAT2170 CSPT2170
6. Total liabilities . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... .. BHCK2948 RCFD2948 RCON2948
CSAT2948 CSPT2948
7. Dividends; share repurchases; and sale,
conversion, acquisition, or retirement of capital . . .. . ... ... ... .. .. . .. . . See instructions
(RIADB509 + RIADB510) -
(RIAD4470 + RIAD4460)
(RIADB509 + RIADB510) -
(RIAD4470 + RIAD4460)
CSATN260 CSPTN260
8. Total equity capital. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . BHCKG105 RCFDG105 RCONG105
CSATG105 CSPTG105
9. Common equity tier 1 risk-based capital ratio ... ... ... .. .. . .. . .. . .. . .. BHCAP793, BHCWP793 RCFAP793, RCFWP793 RCOAP793, RCOWP793
CSATP793 CSPTP793
10. Tier 1 risk-based capital ratio .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . BHCA7206, BHCW7206 RCFA7206, RCFW7206 RCOA7206, RCOW7206
CSAT7206 CSPT7206
11. Tier 1 leverage ratio .. . .. . ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . .. . ... ... BHCA7204
RCFA7204
RCOA7204
CSAT7204 CSPT7204
12. Total risk-based capital ratio .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... .. .. . .. BHCA7205, BHCW7205 RCFA7205, RCFW7205 RCOA7205, RCOW7205
CSAT7205 CSPT7205
Adverse Scenario (CSPTP006)
13. Total loan and lease net charge-offs. .. .. . .. . .. . .. . .. . .. . .. . ... ... ... . BHCK4635 - BHCK4605 RIAD4635 - RIAD4605 RIAD4635 - RIAD4605
CSATN206 CSPTN206
14. Pre-provision net revenue .. .. .. . .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... .. ..
BHCK4074 + BHCK4079 -
BHCK4093
RIAD4074 + RIAD4079 -
RIAD4093
RIAD4074 + RIAD4079 -
RIAD4093
CSATN207 CSPTN207
15. Net Income .. .. .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. BHCK4340 RIAD4340 RIAD4340
CSAT4340 CSPT4340
16. Allowance for loan and lease losses . . .. . .. . .. . .. . .. . .. . .. . ... ... ... .. BHCK3123 RCFD3123 RCON3123
CSAT3123 CSPT3123
17. Total assets . . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... BHCK2170 RCFD2170 RCON2170
CSAT2170 CSPT2170
18. Total liabilities . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... .. BHCK2948 RCFD2948 RCON2948
CSAT2948 CSPT2948
19. Dividends; share repurchases; and sale,
conversion, acquisition, or retirement of capital . . .. . ... ... ... .. .. . .. . . See instructions
(RIADB509 + RIADB510) -
(RIAD4470 + RIAD4460)
(RIADB509 + RIADB510) -
(RIAD4470 + RIAD4460)
CSATN260 CSPTN260
20. Total equity capital. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . BHCKG105 RCFDG105 RCONG105
CSATG105 CSPTG105
21. Common equity tier 1 risk-based capital ratio ... ... ... .. .. . .. . .. . .. . .. BHCAP793, BHCWP793 RCFAP793, RCFWP793 RCOAP793, RCOWP793
CSATP793 CSPTP793
22. Tier 1 risk-based capital ratio .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. .
BHCA7206, BHCW7206 RCFAP7206, RCFWP7206 RCOAP7206, RCOWP7206
CSAT7206 CSPT7206
23. Tier 1 leverage ratio .. . .. . ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . .. . ... ...
BHCA7204 RCFA7204 RCOA7204
CSAT7204 CSPT7204
24. Total risk-based capital ratio .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... .. .. . .. BHCA7205, BHCW7205 RCFA7205, RCFW7205 RCOA7205, RCOW7205
CSAT7205 CSPT7205
Severely Adverse Scenario (CSPTP006)
25. Total loan and lease net charge-offs. .. .. . .. . .. . .. . .. . .. . .. . ... ... ... . BHCK4635 - BHCK4605 RIAD4635 - RIAD4605 RIAD4635 - RIAD4605
CSATN206 CSPTN206
26. Pre-provision net revenue .. .. .. . .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... .. ..
BHCK4074 + BHCK4079 -
BHCK4093
RIAD4074 + RIAD4079 -
RIAD4093
RIAD4074 + RIAD4079 -
RIAD4093
CSATN207 CSPTN207
27. Net Income .. .. .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. BHCK4340 RIAD4340 RIAD4340
CSAT4340 CSPT4340
28. Allowance for loan and lease losses . . .. . .. . .. . .. . .. . .. . .. . ... ... ... .. BHCK3123 RCFD3123 RCON3123
CSAT3123 CSPT3123
29. Total assets . . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... BHCK2170 RCFD2170 RCON2170
CSAT2170 CSPT2170
30. Total liabilities . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... .. BHCK2948 RCFD2948 RCON2948
CSAT2948 CSPT2948
31. Dividends; share repurchases; and sale,
conversion, acquisition, or retirement of capital . . .. . ... ... ... .. .. . .. . . See instructions
(RIADB509 + RIADB510) -
(RIAD4470 + RIAD4460)
(RIADB509 + RIADB510) -
(RIAD4470 + RIAD4460)
CSATN260 CSPTN260
32. Total equity capital. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . BHCKG105 RCFDG105 RCONG105
CSATG105 CSPTG105
33. Common equity tier 1 risk-based capital ratio ... ... ... .. .. . .. . .. . .. . .. BHCAP793, BHCWP793 RCFAP793, RCFWP793 RCOAP793, RCOWP793
CSATP793 CSPTP793
34. Tier 1 risk-based capital ratio .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . BHCA7206, BHCW7206 RCFAP7206, RCFWP7206 RCOAP7206, RCOWP7206
CSAT7206 CSPT7206
35. Tier 1 leverage ratio .. . .. . ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . .. . ... ... BHCA7204 RCFA7204 RCOA7204
CSAT7204 CSPT7204
36. Total risk-based capital ratio .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... .. .. . .. BHCA7205, BHCW7205 RCFA7205, RCFW7205 RCOA7205, RCOW7205
CSAT7205 CSPT7205
NOTE: All values on this sheet will flow directly from the other schedules.
Baseline Scenario—Income Statement (CSPTP006)
FFIEC 016
Page 3 of 18
12/2017
Dollar Amounts in Thousands
FR Y-9C Report Item
FFIEC 031
Call Report Item
FFIEC 041
Call Report Item
Actual
As of 12/31
Projected (CSPTP009)
PQ1 PQ2 PQ3 PQ4 PQ5 PQ6 PQ7 PQ8 PQ9
Income Statement Impacts
Net Charge-Offs
1. First lien mortgages.. .. .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . BHCKC234 - BHCKC217 RIADC234 - RIADC217 RIADC234 - RIADC217
CSATN193 CSPTN193
2. Closed-end junior liens .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . BHCKC235 - BHCKC218 RIADC235 - RIADC218 RIADC235 - RIADC218
CSATN194 CSPTN194
3. HELOCs . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . BHCK5411 - BHCK5412 RIAD5411 - RIAD5412 RIAD5411 - RIAD5412
CSATN195 CSPTN195
4. C & I Loans . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . ..
(BHCK4645 + BHCK4646) -
(BHCK4617 + BHCK4618)
(RIAD4645 + RIAD4646) -
(RIAD4617 + RIAD4618) RIAD4638 - RIAD4608
CSATN196 CSPTN196
5. 1–4 family construction loans.. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . BHCKC891 - BHCKC892 RIADC891 - RIADC892 RIADC891 - RIADC892
CSATN197 CSPTN197
6. Other construction loans. .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . . BHCKC893 - BHCKC894 RIADC893 - RIADC894 RIADC893 - RIADC894
CSATN198 CSPTN198
7. Multifamily loans. . .. . .. . .. . .. . .. . ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . .. BHCK3588 - BHCK3589 RIAD3588 - RIAD3589 RIAD3588 - RIAD3589
CSATN199 CSPTN199
8. Non-farm, non-residential owner occupied loans. . .. . .. . .. . .. . .. . .. . .. BHCKC895 - BHCKC896 RIADC895 - RIADC896 RIADC895 - RIADC896
CSATN200 CSPTN200
9. Non-farm, non-residential other loans. ... ... ... ... .. .. . .. . .. . .. . .. . .. . BHCKC897 - BHCKC898 RIADC897 - RIADC898 RIADC897 - RIADC898
CSATN201 CSPTN201
10. Credit cards . . .. . .. . .. . .. . .. . ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . .. . ... BHCKB514 - BHCKB515 RIADB514 - RIADB515 RIADB514 - RIADB515
CSATN202 CSPTN202
11. Automobile loans . . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . . BHCKK129 - BHCKK133 RIADK129 - RIADK133 RIADK129 - RIADK133
CSATN203 CSPTN203
12. Other consumer loans .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . . BHCKK205 - BHCKK206 RIADK205 - RIADK206 RIADK205 - RIADK206
CSATN204 CSPTN204
13. All other loans and leases .. .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... .. .. . ..
See Instructions See Instructions See Instructions
CSATN205 CSPTN205
14. Total loan and lease net charge-offs (sum of items 1 through 13) .. BHCK4635 - BHCK4605 RIAD4635 - RIAD4605 RIAD4635 - RIAD4605
CSATN206 CSPTN206
15. Net interest income . . .. . .. . .. . .. . .. . ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. BHCK4074 RIAD4074 RIAD4074
CSAT4074 CSPT4074
16. Non-interest income . .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . BHCK4079 RIAD4079 RIAD4079
CSAT4079 CSPT4079
17. Non-interest expense .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... .. .. . .. . .. . .. . BHCK4093 RIAD4093 RIAD4093
CSAT4093 CSPT4093
18. Pre-provision net revenue
(sum of items 15 and 16, less item 17)
..
CSATN207 CSPTN207
19. Provision for loan and lease losses . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. BHCK4230 RIAD4230 RIAD4230
CSAT4230 CSPT4230
20. Realized gains (losses) on HTM securities.. ... ... ... .. .. . .. . .. . .. . .. . BHCK3521 RIAD3521 RIAD3521
CSAT3521 CSPT3521
21. Realized gains (losses) on AFS securities . .. . .. . .. . .. . .. . ... ... ... ... BHCK3196 RIAD3196 RIAD3196
CSAT3196 CSPT3196
22. All other gains (losses) .. ... .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. ..
See Instructions See Instructions See Instructions
CSATN208 CSPTN208
23. Taxes.. .. .. . .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. BHCK4302 RIAD4302 RIAD4302
CSAT4302 CSPT4302
24. Net Income
(sum of items 18, 20, 21, and 22, less items 19 and 23)
.. BHCK4340 RIAD4340 RIAD4340
CSAT4340 CSPT4340
Memoranda
25. Other-than-temporary impairment losses on held-to-maturity and
available-for-sale debt securities recognized in earnings . . .. . .. . .. . .. BHCKJ321 RIADJ321 RIADJ321
CSATJ321 CSPTJ321
Itemize and describe amounts greater than 15 percent of non-interest income (item 16).
26. CST1N210
CSA1N210 CSP1N210
27. CST2N210
CSA2N210 CSP2N210
28. CST3N210
CSA3N210 CSP3N210
29. CST4N210
CSA4N210 CSP4N210
30. CST5N210
CSA5N210 CSP5N210
31. CST6N210
CSA6N210 CSP6N210
Itemize and describe amounts greater than 15 percent of non-interest expense (item 17).
32. CST1N211
CSA1N211 CSP1N211
33. CST2N211
CSA2N211 CSP2N211
34. CST3N211
CSA3N211 CSP3N211
35. CST4N211
CSA4N211 CSP4N211
36. CST5N211
CSA5N211 CSP5N211
37. CST6N211
CSA6N211 CSP6N211
Itemize and describe amounts greater than 15 percent of all other gains (losses) (item 22).
38. CST1N212
CSA1N212 CSP1N212
39. CST2N212
CSA2N212 CSP2N212
40.
CST3N212
CSA3N212 CSP3N212
41. CST4N212
CSA4N212 CSP4N212
42. CST5N212
CSA5N212 CSP5N212
43. CST6N212
CSA6N212 CSP6N212
Baseline Scenario—Balance Sheet Schedule (CSPTP006)
FFIEC 016
Page 4 of 18
12/2017
Dollar Amounts in Thousands
FR Y-9C Report Item
FFIEC 031
Call Report Item
FFIEC 041
Call Report Item
Actual
As of 12/31
Projected (CSPTP009)
PQ1 PQ2 PQ3 PQ4 PQ5 PQ6 PQ7 PQ8 PQ9
Balance Sheet Schedule Impacts
Loans
1. First lien mortgages.. .. .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . BHDM5367 RCON5367 RCON5367
CSAT5367 CSPT5367
2. Closed-end junior liens .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . BHDM5368 RCON5368 RCON5368
CSAT5368 CSPT5368
3. HELOCs . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . BHDM1797 RCON1797 RCON1797
CSAT1797 CSPT1797
4. C & I Loans . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . .. BHCK1763 + BHCK1764 RCFD1763 + RCFD1764 RCON1766
CSAT1766 CSPT1766
5. 1–4 family construction loans.. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. .
BHCKF158 RCONF158 RCONF158
CSATF158 CSPTF158
6. Other construction loans. .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . . BHCKF159 RCONF159 RCONF159
CSATF159 CSPTF159
7. Multifamily loans. . .. . .. . .. . .. . .. . ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . .. BHDM1460 RCON1460 RCON1460
CSAT1460 CSPT1460
8. Non-farm, non-residential owner occupied loans. . .. . .. . .. . .. . .. . .. . .. BHCKF160 RCONF160 RCONF160
CSATF160 CSPTF160
9. Non-farm, non-residential other loans. ... ... ... ... .. .. . .. . .. . .. . .. . .. . BHCKF161 RCONF161 RCONF161
CSATF161 CSPTF161
10. Credit cards . . .. . .. . .. . .. . .. . ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . .. . ... BHCKB538 RCFDB538 RCONB538
CSATB538 CSPTB538
11. Automobile loans . . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . . BHCKK137 RCFDK137 RCONK137
CSATK137 CSPTK137
12. Other consumer loans .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . . BHCKB539 + BHCKK207 RCFDB539 + RCFDK207 RCONB539 + RCONK207
CSATHT48 CSPTHT48
13. All other loans and leases .. .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... .. .. . ..
See Instructions See Instructions See Instructions
CSATHT49 CSPTHT49
14. Loans covered by FDIC loss-sharing agreements . . ... ... ... .. .. . .. . .
Sum of BHDMK169 to
BHCKK183
Sum of RCONK169 to
RCFDK183
Sum of RCONK169 to
RCONK183
CSATN226 CSPTN226
15. Total loans and leases (sum of items 1 through 13) . .. .. . .. . .. . .. . .. BHCK2122 RCFD2122 RCON2122
CSAT2122 CSPT2122
16. Allowance for loan and lease losses . . .. . .. . .. . .. . .. . .. . .. . ... ... ... .. BHCK3123 RCFD3123 RCON3123
CSAT3123 CSPT3123
Securities
17. U.S. government obligations and obligations of GSEs .. .. . .. . .. . .. . ..
BHCK0211 + BHCK1289 +
BHCK1294 + BHCKG300 +
BHCKG304 + BHCKG312 +
BHCKG316 + BHCKK142 +
BHCKK150
RCFD0211 + RCFD1289 +
RCFD1294 + RCFDG300 +
RCFDG304 + RCFDG312 +
RCFDG316 + RCFDK142 +
RCFDK150
RCON0211 + RCON1289 +
RCON1294 + RCONG300 +
RCONG304 + RCONG312 +
RCONG316 + RCONK142 +
RCONK150
CSATN227 CSPTN227
18. Securities issued by states and political subdivisions in the U.S.. .. . .. BHCK8496 RCFD8496 RCON8496
CSAT8496 CSPT8496
19. Non-agency MBS and ABS securities . .. . .. . .. . ... ... ... ... .. .. . .. . ..
BHCKG308 + BHCKG320 +
BHCKK146 + BHCKK154 +
BHCKC026
RCFDG308 + RCFDG320 +
RCFDK146 + RCFDK154 +
RCFDC026
RCONG308 + RCONG320 +
RCONK146 + RCONK154 +
RCONC026
CSATN228 CSPTN228
20. All other HTM securities . .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .
BHCKG336 + BHCKG340 +
BHCKG344 + BHCK1737 +
BHCK1742
RCFDG336 + RCFDG340 +
RCFDG344 + RCFD1737 +
RCFD1742
RCONG336 + RCONG340 +
RCONG344 + RCON1737 +
RCON1742
CSATN229 CSPTN229
21. Total securities (HTM) (sum of items 17 through 20) . .. . .. . .. . .. . .. . BHCK1754 RCFD1754 RCON1754
CSAT1754 CSPT1754
22. U.S. government obligations and obligations of GSEs .. .. . .. . .. . .. . ..
BHCK1287 + BHCK1293 +
BHCK1298 + BHCKG303 +
BHCKG307 + BHCKG315 +
BHCKG319 + BHCKK145 +
BHCKK153
RCFD1287 + RCFD1293 +
RCFD1298 + RCFDG303 +
RCFDG307 + RCFDG315 +
RCFDG319 + RCFDK145 +
RCFDK153
RCON1287 + RCON1293 +
RCON1298 + RCONG303 +
RCONG307 + RCONG315 +
RCONG319 + RCONK145 +
RCONK153
CSATN230 CSPTN230
23. Securities issued by states and political subdivisions in the U.S. .. . .. BHCK8499 RCFD8499 RCON8499
CSAT8499 CSPT8499
24. Non-agency MBS and ABS securities . .. . .. . .. . ... ... ... ... .. .. . .. . ..
BHCKG311 + BHCKG323 +
BHCKK149 + BHCKK157 +
BHCKC027
RCFDG311 + RCFDG323 +
RCFDK149 + RCFDK157 +
RCFDC027
RCONG311 + RCONG323 +
RCONK149 + RCONK157 +
RCONC027
CSATN231 CSPTN231
25. All other AFS securities. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .
BHCKG339 + BHCKG343 +
BHCKG347 + BHCK1741 +
BHCK1746 + BHCKA511
RCFDG339 + RCFDG343 +
RCFDG347 + RCFD1741 +
RCFD1746 + RCFDA511
RCONG339 + RCONG343 +
RCONG347 + RCON1741 +
RCON1746 + RCONA511
CSATN232 CSPTN232
26. Total securities (AFS) (sum of items 22 through 25). . .. . .. . .. . ... ... BHCK1773 RCFD1773 RCON1773
CSAT1773 CSPT1773
27. Trading assets. ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . BHCK3545 RCFD3545 RCON3545
CSAT3545 CSPT3545
28. Total intangible assets. ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. . BHCK3163 + BHCK0426 RCFD3163 + RCFD0426 RCON3163 + RCON0426
CSAT2143 CSPT2143
29. Other real estate owned . . .. . .. . .. . .. . ... ... ... .. .. . .. . .. . .. . .. . .. . .. . BHCK2150 RCFD2150 RCON2150
CSAT2150 CSPT2150
30. All other assets .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . ... ..
See instructions See instructions
See instructions
CSATN233 CSPTN233
Baseline Scenario—Balance Sheet Schedule (CSPTP006)—Continued
FFIEC 016
Page 5 of 18
12/2017
Dollar Amounts in Thousands
FR Y-9C Report Item
FFIEC 031
Call Report Item
FFIEC 041
Call Report Item
Actual
As of 12/31
Projected (CSPTP009)
PQ1 PQ2 PQ3 PQ4 PQ5 PQ6 PQ7 PQ8 PQ9
Balance Sheet Schedule Impacts—Continued
31. Total assets (sum of items 15, 21, 26, 27 through 30, less item 16).. BHCK2170 RCFD2170 RCON2170
CSAT2170 CSPT2170
32. Retail funding.. ... .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... .. .. . .. . .. . .. . .. . See instructions
RCON2200 - RCONJ474 -
RCONHK05
RCON2200 - RCONJ474 -
RCONHK05
CSATN236 CSPTN236
33. Wholesale funding . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . . See instructions
RCONB993 + RCFDB995 +
RCFD3190 + RCONHK05 +
RCONJ474 + RCFN2200
RCONB993 + RCONB995 +
RCON3190 + RCONHK05 +
RCONJ474
CSATN237 CSPTN237
34. Trading liabilities.. . .. . .. . .. . .. . .. . .. . ... ... ... .. .. . .. . .. . .. . .. . .. . .. . . BHCK3548 RCFD3548 RCON3548
CSAT3548 CSPT3548
35. All other liabilities .. .. .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . ..
See instructions See instructions See instructions
CSATN238 CSPTN238
36. Total liabilities (sum of items 32 through 35) . . .. . .. . .. . .. . .. . .. . ... . BHCK2948 RCFD2948 RCON2948
CSAT2948 CSPT2948
37. Perpetual preferred stock and related surplus . . .. . .. . .. . .. . .. . ... ... . BHCK3283 RCFD3838 RCON3838
CSATN239 CSPTN239
38. Equity capital . .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .
BHCK3230 + BHCK3240 +
BHCK3247 + BHCKB530 +
BHCKA130 + BHCK3000
RCFD3230 + RCFD3839 +
RCFD3632 + RCFDB530 +
RCFDA130 + RCFD3000
RCON3230 + RCON3839 +
RCON3632 + RCONB530 +
RCONA130 + RCON3000
CSATN242 CSPTN242
39. Total equity capital (sum of items 37 through 38) .. .. .. . .. . .. . .. . .. . BHCKG105 RCFDG105 RCONG105
CSATG105 CSPTG105
Capital
40. Unrealized gains (losses) on AFS securities .. .. .. . .. . .. . .. . .. . .. . .. . . BHCAP844 RCFAP844 RCOAP844
CSAT8434 CSPT8434
41. Deferred tax assets. .. .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . . BHCAP843 RCFAP843 RCOAP843
CSAT5610 CSPT5610
42. Common equity tier 1 capital.. ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . ... .. BHCAP859 RCFAP859 RCOAP859
CSATP859 CSPTP859
43. Tier 1 capital.. .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . . BHCA8274 RCFA8274 RCOA8274
CSAT8274 CSPT8274
44. Allowance includible in Tier 2 capital.. ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . BHCA5310 RCFA5310 RCOA5310
CSAT5310 CSPT5310
45. Tier 2 capital.. .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . . BHCA5311, BHCW5311 RCFA5311, RCFW5311 RCOA5311, RCOW5311
CSAT5311 CSPT5311
46. Total capital . . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... BHCA3792, BHCW3792 RCFA3792, RCFW3792 RCOA3792, RCOW3792
CSAT3792 CSPT3792
47. Total holding company or bank equity capital ... .. .. . .. . .. . .. . .. . .. . .. BHCK3210 RCFD3210 RCON3210
CSAT3210 CSPT3210
48. Risk-weighted assets . .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .
BHCAA223, BHCWA223,
BHCKG641
RCFAA223, RCFWA223,
RCFDG641
RCOAA223, RCOWA223,
RCONG641
CSATA223 CSPTA223
49. Total assets for leverage purposes . ... .. .. . .. . .. . .. . .. . .. . .. . .. . .. . .. BHCAA224 RCFAA224 RCOAA224
CSATN253 CSPTN253
50. Common equity tier 1 risk-based capital ratio ... ... ... .. .. . .. . .. . .. . .. BHCAP793, BHCWP793 RCFAP793, RCFWP793 RCOAP793, RCOWP793
CSATP793 CSPTP793
51. Tier 1 risk-based capital ratio .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . BHCA7206, BHCW7206 RCFA7206, RCFW7206 RCOA7206, RCOW7206
CSAT7206 CSPT7206
52. Tier 1 leverage ratio .. . .. . ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . .. . ... ... BHCA7204 RCFA7204 RCOA7204
CSAT7204 CSPT7204
53. Total risk-based capital ratio .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... .. .. . .. BHCA7205, BHCW7205 RCFA7205, RCFW7205 RCOA7205, RCOW7205
CSAT7205 CSPT7205
Memoranda
54. Sale, conversion, acquisition, or retirement of capital stock .. .. . .. . .. . See instructions RIADB509 + RIADB510 RIADB509 + RIADB510
CSATN258 CSPTN258
55. Cash dividends declared on preferred stock .. ... ... ... .. .. . .. . .. . .. . . BHCK4598 RIAD4470 RIAD4470
CSATN259 CSPTN259
56. Cash dividends declared on common stock.. ... .. .. . .. . .. . .. . .. . .. . .. BHCK4460 RIAD4460 RIAD4460
CSAT4460 CSPT4460
Adverse Scenario—Income Statement (CSPTP006)
FFIEC 016
Page 6 of 18
12/2017
Dollar Amounts in Thousands
FR Y-9C Report Item
FFIEC 031
Call Report Item
FFIEC 041
Call Report Item
Actual
As of 12/31
Projected (CSPTP009)
PQ1 PQ2 PQ3 PQ4 PQ5 PQ6 PQ7 PQ8 PQ9
Income Statement Impacts
Net Charge-Offs
1. First lien mortgages.. .. .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . BHCKC234 - BHCKC217 RIADC234 - RIADC217 RIADC234 - RIADC217
CSATN193 CSPTN193
2. Closed-end junior liens .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . BHCKC235 - BHCKC218 RIADC235 - RIADC218 RIADC235 - RIADC218
CSATN194 CSPTN194
3. HELOCs . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . BHCK5411 - BHCK5412 RIAD5411 - RIAD5412 RIAD5411 - RIAD5412
CSATN195 CSPTN195
4. C & I Loans . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . ..
(BHCK4645 + BHCK4646) -
(BHCK4617 + BHCK4618)
(RIAD4645 + RIAD4646) -
(RIAD4617 + RIAD4618) RIAD4638 - RIAD4608
CSATN196 CSPTN196
5. 1–4 family construction loans.. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . BHCKC891 - BHCKC892 RIADC891 - RIADC892 RIADC891 - RIADC892
CSATN197 CSPTN197
6. Other construction loans. .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . . BHCKC893 - BHCKC894 RIADC893 - RIADC894 RIADC893 - RIADC894
CSATN198 CSPTN198
7. Multifamily loans. . .. . .. . .. . .. . .. . ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . .. BHCK3588 - BHCK3589 RIAD3588 - RIAD3589 RIAD3588 - RIAD3589
CSATN199 CSPTN199
8. Non-farm, non-residential owner occupied loans. . .. . .. . .. . .. . .. . .. . .. BHCKC895 - BHCKC896 RIADC895 - RIADC896 RIADC895 - RIADC896
CSATN200 CSPTN200
9. Non-farm, non-residential other loans. ... ... ... ... .. .. . .. . .. . .. . .. . .. . BHCKC897 - BHCKC898 RIADC897 - RIADC898 RIADC897 - RIADC898
CSATN201 CSPTN201
10. Credit cards . . .. . .. . .. . .. . .. . ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . .. . ... BHCKB514 - BHCKB515 RIADB514 - RIADB515 RIADB514 - RIADB515
CSATN202 CSPTN202
11. Automobile loans . . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . . BHCKK129 - BHCKK133 RIADK129 - RIADK133 RIADK129 - RIADK133
CSATN203 CSPTN203
12. Other consumer loans .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . . BHCKK205 - BHCKK206 RIADK205 - RIADK206 RIADK205 - RIADK206
CSATN204 CSPTN204
13. All other loans and leases .. .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... .. .. . ..
See Instructions See Instructions See Instructions
CSATN205 CSPTN205
14. Total loan and lease net charge-offs (sum of items 1 through 13) .. BHCK4635 - BHCK4605 RIAD4635 - RIAD4605 RIAD4635 - RIAD4605
CSATN206 CSPTN206
15. Net interest income . . .. . .. . .. . .. . .. . ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. BHCK4074 RIAD4074 RIAD4074
CSAT4074 CSPT4074
16. Non-interest income . .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . BHCK4079 RIAD4079 RIAD4079
CSAT4079 CSPT4079
17. Non-interest expense .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... .. .. . .. . .. . .. . BHCK4093 RIAD4093 RIAD4093
CSAT4093 CSPT4093
18. Pre-provision net revenue
(sum of items 15 and 16, less item 17)
..
CSATN207 CSPTN207
19. Provision for loan and lease losses . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. BHCK4230 RIAD4230 RIAD4230
CSAT4230 CSPT4230
20. Realized gains (losses) on HTM securities.. ... ... ... .. .. . .. . .. . .. . .. . BHCK3521 RIAD3521 RIAD3521
CSAT3521 CSPT3521
21. Realized gains (losses) on AFS securities . .. . .. . .. . .. . .. . ... ... ... ... BHCK3196 RIAD3196 RIAD3196
CSAT3196 CSPT3196
22. All other gains (losses) .. ... .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. ..
See Instructions See Instructions See Instructions
CSATN208 CSPTN208
23. Taxes.. .. .. . .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. BHCK4302 RIAD4302 RIAD4302
CSAT4302 CSPT4302
24. Net Income
(sum of items 18, 20, 21, and 22, less items 19 and 23)
.. BHCK4340 RIAD4340 RIAD4340
CSAT4340 CSPT4340
Memoranda
25. Other-than-temporary impairment losses on held-to-maturity and
available-for-sale debt securities recognized in earnings . . .. . .. . .. . .. BHCKJ321 RIADJ321 RIADJ321
CSATJ321 CSPTJ321
Itemize and describe amounts greater than 15 percent of non-interest income (item 16).
26. CST1N210
CSA1N210 CSP1N210
27. CST2N210
CSA2N210 CSP2N210
28. CST3N210
CSA3N210 CSP3N210
29. CST4N210
CSA4N210 CSP4N210
30. CST5N210
CSA5N210 CSP5N210
31. CST6N210
CSA6N210 CSP6N210
Itemize and describe amounts greater than 15 percent of non-interest expense (item 17).
32. CST1N211
CSA1N211 CSP1N211
33. CST2N211
CSA2N211 CSP2N211
34. CST3N211
CSA3N211 CSP3N211
35. CST4N211
CSA4N211 CSP4N211
36. CST5N211
CSA5N211 CSP5N211
37. CST6N211
CSA6N211 CSP6N211
Itemize and describe amounts greater than 15 percent of all other gains (losses) (item 22).
38. CST1N212
CSA1N212 CSP1N212
39. CST2N212
CSA2N212 CSP2N212
40.
CST3N212
CSA3N212 CSP3N212
41. CST4N212
CSA4N212 CSP4N212
42. CST5N212
CSA5N212 CSP5N212
43. CST6N212
CSA6N212 CSP6N212
Adverse Scenario—Balance Sheet Schedule (CSPTP006)
FFIEC 016
Page 7 of 18
12/2017
Dollar Amounts in Thousands
FR Y-9C Report Item
FFIEC 031
Call Report Item
FFIEC 041
Call Report Item
Actual
As of 12/31
Projected (CSPTP009)
PQ1 PQ2 PQ3 PQ4 PQ5 PQ6 PQ7 PQ8 PQ9
Balance Sheet Schedule Impacts
Loans
1. First lien mortgages.. .. .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . BHDM5367 RCON5367 RCON5367
CSAT5367 CSPT5367
2. Closed-end junior liens .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . BHDM5368 RCON5368 RCON5368
CSAT5368 CSPT5368
3. HELOCs . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . BHDM1797 RCON1797 RCON1797
CSAT1797 CSPT1797
4. C & I Loans . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . .. BHCK1763 + BHCK1764 RCFD1763 + RCFD1764 RCON1766
CSAT1766 CSPT1766
5. 1–4 family construction loans.. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. .
BHCKF158 RCONF158 RCONF158
CSATF158 CSPTF158
6. Other construction loans. .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . . BHCKF159 RCONF159 RCONF159
CSATF159 CSPTF159
7. Multifamily loans. . .. . .. . .. . .. . .. . ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . .. BHDM1460 RCON1460 RCON1460
CSAT1460 CSPT1460
8. Non-farm, non-residential owner occupied loans. . .. . .. . .. . .. . .. . .. . .. BHCKF160 RCONF160 RCONF160
CSATF160 CSPTF160
9. Non-farm, non-residential other loans. ... ... ... ... .. .. . .. . .. . .. . .. . .. . BHCKF161 RCONF161 RCONF161
CSATF161 CSPTF161
10. Credit cards . . .. . .. . .. . .. . .. . ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . .. . ... BHCKB538 RCFDB538 RCONB538
CSATB538 CSPTB538
11. Automobile loans . . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . . BHCKK137 RCFDK137 RCONK137
CSATK137 CSPTK137
12. Other consumer loans .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . . BHCKB539 + BHCKK207 RCFDB539 + RCFDK207 RCONB539 + RCONK207
CSATHT48 CSPTHT48
13. All other loans and leases .. .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... .. .. . ..
See Instructions See Instructions See Instructions
CSATHT49 CSPTHT49
14. Loans covered by FDIC loss-sharing agreements . . ... ... ... .. .. . .. . .
Sum of BHDMK169 to
BHCKK183
Sum of RCONK169 to
RCFDK183
Sum of RCONK169 to
RCONK183
CSATN226 CSPTN226
15. Total loans and leases (sum of items 1 through 13) . .. .. . .. . .. . .. . .. BHCK2122 RCFD2122 RCON2122
CSAT2122 CSPT2122
16. Allowance for loan and lease losses . . .. . .. . .. . .. . .. . .. . .. . ... ... ... .. BHCK3123 RCFD3123 RCON3123
CSAT3123 CSPT3123
Securities
17. U.S. government obligations and obligations of GSEs .. .. . .. . .. . .. . ..
BHCK0211 + BHCK1289 +
BHCK1294 + BHCKG300 +
BHCKG304 + BHCKG312 +
BHCKG316 + BHCKK142 +
BHCKK150
RCFD0211 + RCFD1289 +
RCFD1294 + RCFDG300 +
RCFDG304 + RCFDG312 +
RCFDG316 + RCFDK142 +
RCFDK150
RCON0211 + RCON1289 +
RCON1294 + RCONG300 +
RCONG304 + RCONG312 +
RCONG316 + RCONK142 +
RCONK150
CSATN227 CSPTN227
18. Securities issued by states and political subdivisions in the U.S.. .. . .. BHCK8496 RCFD8496 RCON8496
CSAT8496 CSPT8496
19. Non-agency MBS and ABS securities . .. . .. . .. . ... ... ... ... .. .. . .. . ..
BHCKG308 + BHCKG320 +
BHCKK146 + BHCKK154 +
BHCKC026
RCFDG308 + RCFDG320 +
RCFDK146 + RCFDK154 +
RCFDC026
RCONG308 + RCONG320 +
RCONK146 + RCONK154 +
RCONC026
CSATN228 CSPTN228
20. All other HTM securities . .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .
BHCKG336 + BHCKG340 +
BHCKG344 + BHCK1737 +
BHCK1742
RCFDG336 + RCFDG340 +
RCFDG344 + RCFD1737 +
RCFD1742
RCONG336 + RCONG340 +
RCONG344 + RCON1737 +
RCON1742
CSATN229 CSPTN229
21. Total securities (HTM) (sum of items 17 through 20) . .. . .. . .. . .. . .. . BHCK1754 RCFD1754 RCON1754
CSAT1754 CSPT1754
22. U.S. government obligations and obligations of GSEs .. .. . .. . .. . .. . ..
BHCK1287 + BHCK1293 +
BHCK1298 + BHCKG303 +
BHCKG307 + BHCKG315 +
BHCKG319 + BHCKK145 +
BHCKK153
RCFD1287 + RCFD1293 +
RCFD1298 + RCFDG303 +
RCFDG307 + RCFDG315 +
RCFDG319 + RCFDK145 +
RCFDK153
RCON1287 + RCON1293 +
RCON1298 + RCONG303 +
RCONG307 + RCONG315 +
RCONG319 + RCONK145 +
RCONK153
CSATN230 CSPTN230
23. Securities issued by states and political subdivisions in the U.S.. .. . .. BHCK8499 RCFD8499 RCON8499
CSAT8499 CSPT8499
24. Non-agency MBS and ABS securities . .. . .. . .. . ... ... ... ... .. .. . .. . ..
BHCKG311 + BHCKG323 +
BHCKK149 + BHCKK157 +
BHCKC027
RCFDG311 + RCFDG323 +
RCFDK149 + RCFDK157 +
RCFDC027
RCONG311 + RCONG323 +
RCONK149 + RCONK157 +
RCONC027
CSATN231 CSPTN231
25. All other AFS securities. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .
BHCKG339 + BHCKG343 +
BHCKG347 + BHCK1741 +
BHCK1746 + BHCKA511
RCFDG339 + RCFDG343 +
RCFDG347 + RCFD1741 +
RCFD1746 + RCFDA511
RCONG339 + RCONG343 +
RCONG347 + RCON1741 +
RCON1746 + RCONA511
CSATN232 CSPTN232
26. Total securities (AFS) (sum of items 22 through 25). . .. . .. . .. . ... ... BHCK1773 RCFD1773 RCON1773
CSAT1773 CSPT1773
27. Trading assets. ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . BHCK3545 RCFD3545 RCON3545
CSAT3545 CSPT3545
28. Total intangible assets. ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. . BHCK3163 + BHCK0426 RCFD3163 + RCFD0426 RCON3163 + RCON0426
CSAT2143 CSPT2143
29. Other real estate owned . . .. . .. . .. . .. . ... ... ... .. .. . .. . .. . .. . .. . .. . .. . BHCK2150 RCFD2150 RCON2150
CSAT2150 CSPT2150
30. All other assets .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . ... ..
See instructions See instructions
See instructions
CSATN233 CSPTN233
Adverse Scenario—Balance Sheet Schedule (CSPTP006)—Continued
FFIEC 016
Page 8 of 18
12/2017
Dollar Amounts in Thousands
FR Y-9C Report Item
FFIEC 031
Call Report Item
FFIEC 041
Call Report Item
Actual
As of 12/31
Projected (CSPTP009)
PQ1 PQ2 PQ3 PQ4 PQ5 PQ6 PQ7 PQ8 PQ9
Balance Sheet Schedule Impacts—Continued
31. Total assets (sum of items 15, 21, 26, 27 through 30, less item 16).. BHCK2170 RCFD2170 RCON2170
CSAT2170 CSPT2170
32. Retail funding.. ... .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... .. .. . .. . .. . .. . .. . See instructions
RCON2200 - RCONJ474 -
RCONHK05
RCON2200 - RCONJ474 -
RCONHK05
CSATN236 CSPTN236
33. Wholesale funding . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . . See instructions
RCONB993 + RCFDB995 +
RCFD3190 + RCONHK05 +
RCONJ474 + RCFN2200
RCONB993 + RCONB995 +
RCON3190 + RCONHK05 +
RCONJ474
CSATN237 CSPTN237
34. Trading liabilities.. . .. . .. . .. . .. . .. . .. . ... ... ... .. .. . .. . .. . .. . .. . .. . .. . . BHCK3548 RCFD3548 RCON3548
CSAT3548 CSPT3548
35. All other liabilities .. .. .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . ..
See instructions See instructions See instructions
CSATN238 CSPTN238
36. Total liabilities (sum of items 32 through 35) . . .. . .. . .. . .. . .. . .. . ... . BHCK2948 RCFD2948 RCON2948
CSAT2948 CSPT2948
37. Perpetual preferred stock and related surplus . . .. . .. . .. . .. . .. . ... ... . BHCK3283 RCFD3838 RCON3838
CSATN239 CSPTN239
38. Equity capital . .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .
BHCK3230 + BHCK3240 +
BHCK3247 + BHCKB530 +
BHCKA130 + BHCK3000
RCFD3230 + RCFD3839 +
RCFD3632 + RCFDB530 +
RCFDA130 + RCFD3000
RCON3230 + RCON3839 +
RCON3632 + RCONB530 +
RCONA130 + RCON3000
CSATN242 CSPTN242
39. Total equity capital (sum of items 37 through 38) .. .. .. . .. . .. . .. . .. . BHCKG105 RCFDG105 RCONG105
CSATG105 CSPTG105
Capital
40. Unrealized gains (losses) on AFS securities .. .. .. . .. . .. . .. . .. . .. . .. . . BHCAP844 RCFAP844 RCOAP844
CSAT8434 CSPT8434
41. Deferred tax assets. .. .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . . BHCAP843 RCFAP843 RCOAP843
CSAT5610 CSPT5610
42. Common equity tier 1 capital.. ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . ... .. BHCAP859 RCFAP859 RCOAP859
CSATP859 CSPTP859
43. Tier 1 capital.. .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . . BHCA8274 RCFA8274 RCOA8274
CSAT8274 CSPT8274
44. Allowance includible in Tier 2 capital.. ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . BHCA5310 RCFA5310 RCOA5310
CSAT5310 CSPT5310
45. Tier 2 capital.. .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . . BHCA5311, BHCW5311 RCFA5311, RCFW5311 RCOA5311, RCOW5311
CSAT5311 CSPT5311
46. Total capital . . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... BHCA3792, BHCW3792 RCFA3792, RCFW3792 RCOA3792, RCOW3792
CSAT3792 CSPT3792
47. Total holding company or bank equity capital ... .. .. . .. . .. . .. . .. . .. . .. BHCK3210 RCFD3210 RCON3210
CSAT3210 CSPT3210
48. Risk-weighted assets . .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .
BHCAA223, BHCWA223,
BHCKG641
RCFAA223, RCFWA223,
RCFDG641
RCOAA223, RCOWA223,
RCONG641
CSATA223 CSPTA223
49. Total assets for leverage purposes . ... .. .. . .. . .. . .. . .. . .. . .. . .. . .. . .. BHCAA224 RCFAA224 RCOAA224
CSATN253 CSPTN253
50. Common equity tier 1 risk-based capital ratio ... ... ... .. .. . .. . .. . .. . .. BHCAP793, BHCWP793 RCFAP793, RCFWP793 RCOAP793, RCOWP793
CSATP793 CSPTP793
51. Tier 1 risk-based capital ratio .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . BHCA7206, BHCW7206 RCFA7206, RCFW7206 RCOA7206, RCOW7206
CSAT7206 CSPT7206
52. Tier 1 leverage ratio .. . .. . ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . .. . ... ... BHCA7204 RCFA7204 RCOA7204
CSAT7204 CSPT7204
53. Total risk-based capital ratio .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... .. .. . .. BHCA7205, BHCW7205 RCFA7205, RCFW7205 RCOA7205, RCOW7205
CSAT7205 CSPT7205
Memoranda
54. Sale, conversion, acquisition, or retirement of capital stock .. .. . .. . .. . See instructions RIADB509 + RIADB510 RIADB509 + RIADB510
CSATN258 CSPTN258
55. Cash dividends declared on preferred stock .. ... ... ... .. .. . .. . .. . .. . . BHCK4598 RIAD4470 RIAD4470
CSATN259 CSPTN259
56. Cash dividends declared on common stock.. ... .. .. . .. . .. . .. . .. . .. . .. BHCK4460 RIAD4460 RIAD4460
CSAT4460 CSPT4460
Severely Adverse Scenario—Income Statement (CSPTP006)
FFIEC 016
Page 9 of 18
12/2017
Dollar Amounts in Thousands
FR Y-9C Report Item
FFIEC 031
Call Report Item
FFIEC 041
Call Report Item
Actual
As of 12/31
Projected (CSPTP009)
PQ1 PQ2 PQ3 PQ4 PQ5 PQ6 PQ7 PQ8 PQ9
Income Statement Impacts
Net Charge-Offs
1. First lien mortgages.. .. .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . BHCKC234 - BHCKC217 RIADC234 - RIADC217 RIADC234 - RIADC217
CSATN193 CSPTN193
2. Closed-end junior liens .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . BHCKC235 - BHCKC218 RIADC235 - RIADC218 RIADC235 - RIADC218
CSATN194 CSPTN194
3. HELOCs . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . BHCK5411 - BHCK5412 RIAD5411 - RIAD5412 RIAD5411 - RIAD5412
CSATN195 CSPTN195
4. C & I Loans . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . ..
(BHCK4645 + BHCK4646) -
(BHCK4617 + BHCK4618)
(RIAD4645 + RIAD4646) -
(RIAD4617 + RIAD4618) RIAD4638 - RIAD4608
CSATN196 CSPTN196
5. 1–4 family construction loans.. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . BHCKC891 - BHCKC892 RIADC891 - RIADC892 RIADC891 - RIADC892
CSATN197 CSPTN197
6. Other construction loans. .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . . BHCKC893 - BHCKC894 RIADC893 - RIADC894 RIADC893 - RIADC894
CSATN198 CSPTN198
7. Multifamily loans. . .. . .. . .. . .. . .. . ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . .. BHCK3588 - BHCK3589 RIAD3588 - RIAD3589 RIAD3588 - RIAD3589
CSATN199 CSPTN199
8. Non-farm, non-residential owner occupied loans. . .. . .. . .. . .. . .. . .. . .. BHCKC895 - BHCKC896 RIADC895 - RIADC896 RIADC895 - RIADC896
CSATN200 CSPTN200
9. Non-farm, non-residential other loans. ... ... ... ... .. .. . .. . .. . .. . .. . .. . BHCKC897 - BHCKC898 RIADC897 - RIADC898 RIADC897 - RIADC898
CSATN201 CSPTN201
10. Credit cards . . .. . .. . .. . .. . .. . ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . .. . ... BHCKB514 - BHCKB515 RIADB514 - RIADB515 RIADB514 - RIADB515
CSATN202 CSPTN202
11. Automobile loans . . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . . BHCKK129 - BHCKK133 RIADK129 - RIADK133 RIADK129 - RIADK133
CSATN203 CSPTN203
12. Other consumer loans .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . . BHCKK205 - BHCKK206 RIADK205 - RIADK206 RIADK205 - RIADK206
CSATN204 CSPTN204
13. All other loans and leases .. .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... .. .. . ..
See Instructions See Instructions See Instructions
CSATN205 CSPTN205
14. Total loan and lease net charge-offs (sum of items 1 through 13) .. BHCK4635 - BHCK4605 RIAD4635 - RIAD4605 RIAD4635 - RIAD4605
CSATN206 CSPTN206
15. Net interest income . . .. . .. . .. . .. . .. . ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. BHCK4074 RIAD4074 RIAD4074
CSAT4074 CSPT4074
16. Non-interest income . .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . BHCK4079 RIAD4079 RIAD4079
CSAT4079 CSPT4079
17. Non-interest expense .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... .. .. . .. . .. . .. . BHCK4093 RIAD4093 RIAD4093
CSAT4093 CSPT4093
18. Pre-provision net revenue
(sum of items 15 and 16, less item 17)
..
CSATN207 CSPTN207
19. Provision for loan and lease losses . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. BHCK4230 RIAD4230 RIAD4230
CSAT4230 CSPT4230
20. Realized gains (losses) on HTM securities.. ... ... ... .. .. . .. . .. . .. . .. . BHCK3521 RIAD3521 RIAD3521
CSAT3521 CSPT3521
21. Realized gains (losses) on AFS securities . .. . .. . .. . .. . .. . ... ... ... ... BHCK3196 RIAD3196 RIAD3196
CSAT3196 CSPT3196
22. All other gains (losses) .. ... .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. ..
See Instructions See Instructions See Instructions
CSATN208 CSPTN208
23. Taxes.. .. .. . .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. BHCK4302 RIAD4302 RIAD4302
CSAT4302 CSPT4302
24. Net Income
(sum of items 18, 20, 21, and 22, less items 19 and 23)
.. BHCK4340 RIAD4340 RIAD4340
CSAT4340 CSPT4340
Memoranda
25. Other-than-temporary impairment losses on held-to-maturity and
available-for-sale debt securities recognized in earnings . . .. . .. . .. . .. BHCKJ321 RIADJ321 RIADJ321
CSATJ321 CSPTJ321
Itemize and describe amounts greater than 15 percent of non-interest income (item 16).
26. CST1N210
CSA1N210 CSP1N210
27. CST2N210
CSA2N210 CSP2N210
28. CST3N210
CSA3N210 CSP3N210
29. CST4N210
CSA4N210 CSP4N210
30. CST5N210
CSA5N210 CSP5N210
31. CST6N210
CSA6N210 CSP6N210
Itemize and describe amounts greater than 15 percent of non-interest expense (item 17).
32. CST1N211
CSA1N211 CSP1N211
33. CST2N211
CSA2N211 CSP2N211
34. CST3N211
CSA3N211 CSP3N211
35. CST4N211
CSA4N211 CSP4N211
36. CST5N211
CSA5N211 CSP5N211
37. CST6N211
CSA6N211 CSP6N211
Itemize and describe amounts greater than 15 percent of all other gains (losses) (item 22).
38. CST1N212
CSA1N212 CSP1N212
39. CST2N212
CSA2N212 CSP2N212
40.
CST3N212
CSA3N212 CSP3N212
41. CST4N212
CSA4N212 CSP4N212
42. CST5N212
CSA5N212 CSP5N212
43. CST6N212
CSA6N212 CSP6N212
Severely Adverse Scenario—Balance Sheet Schedule (CSPTP006)
FFIEC 016
Page 10 of 18
12/2017
Dollar Amounts in Thousands
FR Y-9C Report Item
FFIEC 031
Call Report Item
FFIEC 041
Call Report Item
Actual
As of 12/31
Projected (CSPTP009)
PQ1 PQ2 PQ3 PQ4 PQ5 PQ6 PQ7 PQ8 PQ9
Balance Sheet Schedule Impacts
Loans
1. First lien mortgages.. .. .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . BHDM5367 RCON5367 RCON5367
CSAT5367 CSPT5367
2. Closed-end junior liens .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . BHDM5368 RCON5368 RCON5368
CSAT5368 CSPT5368
3. HELOCs . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . BHDM1797 RCON1797 RCON1797
CSAT1797 CSPT1797
4. C & I Loans . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . .. BHCK1763 + BHCK1764 RCFD1763 + RCFD1764 RCON1766
CSAT1766 CSPT1766
5. 1–4 family construction loans.. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. .
BHCKF158 RCONF158 RCONF158
CSATF158 CSPTF158
6. Other construction loans. .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . . BHCKF159 RCONF159 RCONF159
CSATF159 CSPTF159
7. Multifamily loans. . .. . .. . .. . .. . .. . ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . .. BHDM1460 RCON1460 RCON1460
CSAT1460 CSPT1460
8. Non-farm, non-residential owner occupied loans. . .. . .. . .. . .. . .. . .. . .. BHCKF160 RCONF160 RCONF160
CSATF160 CSPTF160
9. Non-farm, non-residential other loans. ... ... ... ... .. .. . .. . .. . .. . .. . .. . BHCKF161 RCONF161 RCONF161
CSATF161 CSPTF161
10. Credit cards . . .. . .. . .. . .. . .. . ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . .. . ... BHCKB538 RCFDB538 RCONB538
CSATB538 CSPTB538
11. Automobile loans . . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . . BHCKK137 RCFDK137 RCONK137
CSATK137 CSPTK137
12. Other consumer loans .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . . BHCKB539 + BHCKK207 RCFDB539 + RCFDK207 RCONB539 + RCONK207
CSATHT48 CSPTHT48
13. All other loans and leases .. .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... .. .. . ..
See Instructions See Instructions See Instructions
CSATHT49 CSPTHT49
14. Loans covered by FDIC loss-sharing agreements . . ... ... ... .. .. . .. . .
Sum of BHDMK169 to
BHCKK183
Sum of RCONK169 to
RCFDK183
Sum of RCONK169 to
RCONK183
CSATN226 CSPTN226
15. Total loans and leases (sum of items 1 through 13) . .. .. . .. . .. . .. . .. BHCK2122 RCFD2122 RCON2122
CSAT2122 CSPT2122
16. Allowance for loan and lease losses . . .. . .. . .. . .. . .. . .. . .. . ... ... ... .. BHCK3123 RCFD3123 RCON3123
CSAT3123 CSPT3123
Securities
17. U.S. government obligations and obligations of GSEs .. .. . .. . .. . .. . ..
BHCK0211 + BHCK1289 +
BHCK1294 + BHCKG300 +
BHCKG304 + BHCKG312 +
BHCKG316 + BHCKK142 +
BHCKK150
RCFD0211 + RCFD1289 +
RCFD1294 + RCFDG300 +
RCFDG304 + RCFDG312 +
RCFDG316 + RCFDK142 +
RCFDK150
RCON0211 + RCON1289 +
RCON1294 + RCONG300 +
RCONG304 + RCONG312 +
RCONG316 + RCONK142 +
RCONK150
CSATN227 CSPTN227
18. Securities issued by states and political subdivisions in the U.S.. .. . .. BHCK8496 RCFD8496 RCON8496
CSAT8496 CSPT8496
19. Non-agency MBS and ABS securities . .. . .. . .. . ... ... ... ... .. .. . .. . ..
BHCKG308 + BHCKG320 +
BHCKK146 + BHCKK154 +
BHCKC026
RCFDG308 + RCFDG320 +
RCFDK146 + RCFDK154 +
RCFDC026
RCONG308 + RCONG320 +
RCONK146 + RCONK154 +
RCONC026
CSATN228 CSPTN228
20. All other HTM securities . .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .
BHCKG336 + BHCKG340 +
BHCKG344 + BHCK1737 +
BHCK1742
RCFDG336 + RCFDG340 +
RCFDG344 + RCFD1737 +
RCFD1742
RCONG336 + RCONG340 +
RCONG344 + RCON1737 +
RCON1742
CSATN229 CSPTN229
21. Total securities (HTM) (sum of items 17 through 20) . .. . .. . .. . .. . .. . BHCK1754 RCFD1754 RCON1754
CSAT1754 CSPT1754
22. U.S. government obligations and obligations of GSEs .. .. . .. . .. . .. . ..
BHCK1287 + BHCK1293 +
BHCK1298 + BHCKG303 +
BHCKG307 + BHCKG315 +
BHCKG319 + BHCKK145 +
BHCKK153
RCFD1287 + RCFD1293 +
RCFD1298 + RCFDG303 +
RCFDG307 + RCFDG315 +
RCFDG319 + RCFDK145 +
RCFDK153
RCON1287 + RCON1293 +
RCON1298 + RCONG303 +
RCONG307 + RCONG315 +
RCONG319 + RCONK145 +
RCONK153
CSATN230 CSPTN230
23. Securities issued by states and political subdivisions in the U.S.. .. . .. BHCK8499 RCFD8499 RCON8499
CSAT8499 CSPT8499
24. Non-agency MBS and ABS securities . .. . .. . .. . ... ... ... ... .. .. . .. . ..
BHCKG311 + BHCKG323 +
BHCKK149 + BHCKK157 +
BHCKC027
RCFDG311 + RCFDG323 +
RCFDK149 + RCFDK157 +
RCFDC027
RCONG311 + RCONG323 +
RCONK149 + RCONK157 +
RCONC027
CSATN231 CSPTN231
25. All other AFS securities. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .
BHCKG339 + BHCKG343 +
BHCKG347 + BHCK1741 +
BHCK1746 + BHCKA511
RCFDG339 + RCFDG343 +
RCFDG347 + RCFD1741 +
RCFD1746 + RCFDA511
RCONG339 + RCONG343 +
RCONG347 + RCON1741 +
RCON1746 + RCONA511
CSATN232 CSPTN232
26. Total securities (AFS) (sum of items 22 through 25). . .. . .. . .. . ... ... BHCK1773 RCFD1773 RCON1773
CSAT1773 CSPT1773
27. Trading assets. ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . BHCK3545 RCFD3545 RCON3545
CSAT3545 CSPT3545
28. Total intangible assets. ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. . BHCK3163 + BHCK0426 RCFD3163 + RCFD0426 RCON3163 + RCON0426
CSAT2143 CSPT2143
29. Other real estate owned . . .. . .. . .. . .. . ... ... ... .. .. . .. . .. . .. . .. . .. . .. . BHCK2150 RCFD2150 RCON2150
CSAT2150 CSPT2150
30. All other assets .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . ... ..
See instructions See instructions
See instructions
CSATN233 CSPTN233
Severely Adverse Scenario—Balance Sheet Schedule (CSPTP006)—Continued
FFIEC 016
Page 11 of 18
12/2017
Dollar Amounts in Thousands
FR Y-9C Report Item
FFIEC 031
Call Report Item
FFIEC 041
Call Report Item
Actual
As of 12/31
Projected (CSPTP009)
PQ1 PQ2 PQ3 PQ4 PQ5 PQ6 PQ7 PQ8 PQ9
Balance Sheet Schedule Impacts—Continued
31. Total assets (sum of items 15, 21, 26, 27 through 30, less item 16).. BHCK2170 RCFD2170 RCON2170
CSAT2170 CSPT2170
32. Retail funding.. ... .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... .. .. . .. . .. . .. . .. . See instructions
RCON2200 - RCONJ474 -
RCONHK05
RCON2200 - RCONJ474 -
RCONHK05
CSATN236 CSPTN236
33. Wholesale funding . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . . See instructions
RCONB993 + RCFDB995 +
RCFD3190 + RCONHK05 +
RCONJ474 + RCFN2200
RCONB993 + RCONB995 +
RCON3190 + RCONHK05 +
RCONJ472 + RCONJ474
CSATN237 CSPTN237
34. Trading liabilities.. . .. . .. . .. . .. . .. . .. . ... ... ... .. .. . .. . .. . .. . .. . .. . .. . . BHCK3548 RCFD3548 RCON3548
CSAT3548 CSPT3548
35. All other liabilities .. .. .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . ..
See instructions See instructions See instructions
CSATN238 CSPTN238
36. Total liabilities (sum of items 32 through 35) . . .. . .. . .. . .. . .. . .. . ... . BHCK2948 RCFD2948 RCON2948
CSAT2948 CSPT2948
37. Perpetual preferred stock and related surplus . . .. . .. . .. . .. . .. . ... ... . BHCK3283 RCFD3838 RCON3838
CSATN239 CSPTN239
38. Equity capital . .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .
BHCK3230 + BHCK3240 +
BHCK3247 + BHCKB530 +
BHCKA130 + BHCK3000
RCFD3230 + RCFD3839 +
RCFD3632 + RCFDB530 +
RCFDA130 + RCFD3000
RCON3230 + RCON3839 +
RCON3632 + RCONB530 +
RCONA130 + RCON3000
CSATN242 CSPTN242
39. Total equity capital (sum of items 37 through 38) .. .. .. . .. . .. . .. . .. . BHCKG105 RCFDG105 RCONG105
CSATG105 CSPTG105
Capital
40. Unrealized gains (losses) on AFS securities .. .. .. . .. . .. . .. . .. . .. . .. . . BHCAP844 RCFAP844 RCOAP844
CSAT8434 CSPT8434
41. Deferred tax assets. .. .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . . BHCAP843 RCFAP843 RCOAP843
CSAT5610 CSPT5610
42. Common equity tier 1 capital.. ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . ... .. BHCAP859 RCFAP859 RCOAP859
CSATP859 CSPTP859
43. Tier 1 capital.. .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . . BHCA8274 RCFA8274 RCOA8274
CSAT8274 CSPT8274
44. Allowance includible in Tier 2 capital.. ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . BHCA5310 RCFA5310 RCOA5310
CSAT5310 CSPT5310
45. Tier 2 capital.. .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . . BHCA5311, BHCW5311 RCFA5311, RCFW5311 RCOA5311, RCOW5311
CSAT5311 CSPT5311
46. Total capital . . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... BHCA3792, BHCW3792 RCFA3792, RCFW3792 RCOA3792, RCOW3792
CSAT3792 CSPT3792
47. Total holding company or bank equity capital ... .. .. . .. . .. . .. . .. . .. . .. BHCK3210 RCFD3210 RCON3210
CSAT3210 CSPT3210
48. Risk-weighted assets . .. . .. . .. . .. . .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .
BHCAA223, BHCWA223,
BHCKG641
RCFAA223, RCFWA223,
RCFDG641
RCOAA223, RCOWA223,
RCONG641
CSATA223 CSPTA223
49. Total assets for leverage purposes . ... .. .. . .. . .. . .. . .. . .. . .. . .. . .. . .. BHCAA224 RCFAA224 RCOAA224
CSATN253 CSPTN253
50. Common equity tier 1 risk-based capital ratio ... ... ... .. .. . .. . .. . .. . .. BHCAP793, BHCWP793 RCFAP793, RCFWP793 RCOAP793, RCOWP793
CSATP793 CSPTP793
51. Tier 1 risk-based capital ratio .. . .. . .. . ... ... ... ... .. .. . .. . .. . .. . .. . .. . BHCA7206, BHCW7206 RCFA7206, RCFW7206 RCOA7206, RCOW7206
CSAT7206 CSPT7206
52. Tier 1 leverage ratio .. . .. . ... ... ... .. .. . .. . .. . .. . .. . .. . .. . .. . .. . ... ... BHCA7204 RCFA7204 RCOA7204
CSAT7204 CSPT7204
53. Total risk-based capital ratio .. .. . .. . .. . .. . .. . .. . .. . .. . ... ... ... .. .. . .. BHCA7205, BHCW7205 RCFA7205, RCFW7205 RCOA7205, RCOW7205
CSAT7205 CSPT7205
Memoranda
54. Sale, conversion, acquisition, or retirement of capital stock .. .. . .. . .. . See instructions RIADB509 + RIADB510 RIADB509 + RIADB510
CSATN258 CSPTN258
55. Cash dividends declared on preferred stock .. ... ... ... .. .. . .. . .. . .. . . BHCK4598 RIAD4470 RIAD4470
CSATN259 CSPTN259
56. Cash dividends declared on common stock.. ... .. .. . .. . .. . .. . .. . .. . .. BHCK4460 RIAD4460 RIAD4460
CSAT4460 CSPT4460
FFIEC 016
Page 12 of 18
Scenario Variables Schedule
To conduct the stress test required, a reporting entity may
choose to project additional economic and financial variables
beyond the mandatory supervisory scenarios provided to esti-
mate losses or revenues for some or all of its portfolios. Each
reporting entity is expected to ensure that the paths of any addi-
tional variables (including their timing) are consistent with the
general economic environme
nt assumed in the supervisory sce-
narios. If additional variables are used, the reporting entity must
complete the following information for each scenario where the
reporting entity chose to use additional variables.
If additional scenario variables are used, reporting entities are
expected to submit this schedule through the Federal Reserve's
Reporting Central application.
https://www.frbservices.org/central-bank/reporting-central/index.html
Please see the FFIEC 016 Reporting Form Instructions for instruc-
tions
on completing this schedule.
12/2017
FFIEC 016
Page 13 of 18
Scenario Variables Schedule—Continued
Definitions: Baseline Scenario
(additional variables used beyond those supplied)
Variable Name
(CSVIS019)
Variable Definition
(CS01S064)
12/2017
FFIEC 016
Page 14 of 18
Variable Name
(CSVIS019)
Variable Definition
(CS01S064)
12/2017
Scenario Variables Schedule—Continued
Definitions: Adverse Scenario
(additional variables used beyond those supplied)
FFIEC 016
Page 15 of 18
Variable Name
(CSVIS019)
Variable Definition
(CS01S064)
12/2017
Scenario Variables Schedule—Continued
Definitions: Severely Adverse Scenario
(additional variables used beyond those supplied)
FFIEC 016
Page 16 of 18
Variable Name
(CSVIS019)
Actual
As of 12/31
(CSVIS291)
Projected
(CSVIP009)
PQ1 PQ2 PQ3 PQ4 PQ5 PQ6 PQ7 PQ8 PQ9
Baseline Scenario (CSVIP006)
12/2017
Scenario Variables Schedule—Continued
FFIEC 016
Page 17 of 18
Variable Name
(CSVIS019)
Actual
As of 12/31
(CSVIS291)
Projected
(CSVIP009)
PQ1 PQ2 PQ3 PQ4 PQ5 PQ6 PQ7 PQ8 PQ9
Adverse Scenario (CSVIP006)
12/2017
Scenario Variables Schedule—Continued
FFIEC 016
Page 18 of 18
Variable Name
(CSVIS019)
Actual
As of 12/31
(CSVIS291)
Projected
(CSVIP009)
PQ1 PQ2 PQ3 PQ4 PQ5 PQ6 PQ7 PQ8 PQ9
Severely Adverse Scenario (CSVIP006)
12/2017
Scenario Variables Schedule—Continued
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Dfast 2018 Templates 10b 50b (OTS co TCS)

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Completed 24 July 2020

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