FR Y-9C
OMB Number 7100-0128
Approval expires September 30, 2021
Page 1 of 75
Board of Governors of the Federal Reserve System
Consolidated Financial Statements for
Holding Companies—FR Y-9C
Report at the close of business as of the last calendar day of the quarter
This Report is required by law: Section 5(c) of the BHC Act
(12 U.S.C. § 1844(c)), section 10 of Home Owners’ Loan Act
(HOLA) (12 U.S.C. § 1467a(b)), section 618 of the Dodd-Frank Act
(12 U.S.C. § 1850a(c)(1)), section 165 of the Dodd-Frank Act
(12 U.S.C. § 5365), and section 252.153(b)(2) of Regulation YY
(12 CFR 252.153(b)(2)).
This report form is to be filed by holding companies with total
consolidated assets of $3 billion or more. In addition, holding
companies meeting certain criteria must file this report (FR Y-9C)
regardless of size. See page 1 of the general instructions for fur-
ther information. However, when such holding companies own or
control, or are owned or controlled by, other holding companies,
only the top-tier holding company must file this report for the con-
solidated holding company organization. The Federal Reserve
may not conduct or sponsor, and an organization (or a person) is
not required to respond to, a collection of information unless it dis-
plays a currently valid OMB control number.
NOTE: Each holding company's board of directors and senior man-
agement are responsible for establishing and maintaining an effec-
tive system of internal control, including controls over the
Consolidated Financial Statements for Holding Companies. The
Consolidated Financial Statements for Holding Companies is to be
prepared in accordance with instructions provided by the Federal
Reserve System. The Consolidated Financial Statements for Holding
Companies must be signed and attested by the Chief Financial
Officer (CFO) of the reporting holding company (or by the individual
performing this equivalent function).
I, the undersigned CFO (or equivalent) of the named holding
company, attest that the Consolidated Financial Statements for
Holding Companies (including the supporting schedules) for this
report date have been prepared in conformance with the instruc-
tions issued by the Federal Reserve System and are true and
correct to the best of my knowledge and belief.
Printed Name of Chief Financial Officer (or Equivalent) (BHCK C490)
Signature of Chief Financial Officer (or Equivalent) (BHCK H321)
Date of Signature (MM/DD/YYYY) (BHTX J196)
Date of Report:
Month / Day / Year (BHCK 9999)
Legal Title of Holding Company (RSSD 9017)
(Mailing Address of the Holding Company) Street / PO Box (RSSD 9110)
City (RSSD 9130) State (RSSD 9200) Zip Code (RSSD 9220)
Person to whom questions about this report should be directed:
Name / Title (BHTX 8901)
Area Code / Phone Number (BHTX 8902)
Area Code / FAX Number (BHTX 9116)
E-mail Address of Contact (BHTX 4086)
For Federal Reserve Bank Use Only
RSSD ID
C.I.
S.F.
Holding companies must maintain in their files a manually signed and attested printout of the data submitted.
Public reporting burden for this information collection is estimated to vary from 5 to 1,250 hours per response, with an average of 46.34 hours per response for non-Advanced Approaches hold-
ing companies with $5 billion or more and an average of 40.48 hours per response for non-Advanced Approaches holding companies with less than $5 billion in total assets and 47.59 hours for
Advanced Approaches holding companies, including time to gather and maintain data in the required form and to review instructions and complete the information collection. Comments regard-
ing this burden estimate or any other aspect of this information collection, including suggestions for reducing the burden, may be sent to Secretary, Board of Governors of the Federal Reserve
System, 20th and C Streets, NW, Washington, DC 20551, and to the Office of Management and Budget, Paperwork Reduction Project (7100-0128), Washington, DC 20503.
03/2021
click to sign
signature
click to edit
For Federal Reserve Bank Use Only
Report of Income for Holding Companies
Report all Schedules of the Report of Income on a calendar year-to-date basis.
Schedule HI—Consolidated Income Statement
Dollar Amounts in Thousands
BHCK
Amount
1. Interest income
a. Interest and fee income on loans:
(1) In domestic offices:
(a) Loans secured by 1–4 family residential properties...............................................
4435
1.a.(1)(a)
(b) All other loans secured by real estate.................................................................
4436
1.a.(1)(b)
(c) All other loans ...............................................................................................
F821
1.a.(1)(c)
(2) In foreign offices, Edge and Agreement subsidiaries, and IBFs....................................
4059
1.a.(2)
b. Income from lease financing receivables.....................................................................
4065
1.b.
c. Interest income on balances due from depository institutions
1
.........................................
4115
1.c.
d. Interest and dividend income on securities:
(1) U.S. Treasury securities and U.S. government agency obligations
(excluding mortgage-backed securities)..................................................................
B488
1.d.(1)
(2) Mortgage-backed securities .................................................................................
B489
1.d.(2)
(3) All other securities..............................................................................................
4060
1.d.(3)
e. Interest income from trading assets
2
..........................................................................
4069
1.e.
f. Interest income on federal funds sold and securities purchased under agreements
to resell................................................................................................................
4020
1.f.
g. Other interest income .............................................................................................
4518
1.g.
h. Total interest income (sum of items 1.a through 1.g)......................................................
4107
1.h.
2. Interest expense
a. Interest on deposits:
(1) In domestic offices:
(a) Time deposits of $250,000 or less .....................................................................
HK03
2.a.(1)(a)
(b) Time deposits of more than $250,000 ................................................................
HK04
2.a.(1)(b)
(c) Other deposits...............................................................................................
6761
2.a.(1)(c)
(2) In foreign offices, Edge and Agreement subsidiaries, and IBFs....................................
4172
2.a.(2)
b. Expense on federal funds purchased and securities sold under agreements to repurchase ...
4180
2.b.
c. Interest on trading liabilities and other borrowed money
2
(excluding subordinated notes and debentures) ...........................................................
4185
2.c.
d. Interest on subordinated notes and debentures and on mandatory convertible
securities
2
............................................................................................................
4397
2.d.
e. Other interest expense............................................................................................
4398
2.e.
f. Total interest expense (sum of items 2.a through 2.e) ....................................................
4073
2.f.
3. Net interest income (item 1.h minus item 2.f)...................................................................
4074
3.
4. Provision for loan and lease losses
3
..............................................................................
JJ33
4.
5. Noninterest income:
a. Income from fiduciary activities .................................................................................
4070
5.a.
b. Service charges on deposit accounts in domestic offices................................................
4483
5.b.
c. Trading revenue
2, 4
..................................................................................................
A220
5.c.
1. Includes interest income on time certificates of deposit not held for trading.
2. To be completed by holding companies with $5 billion or more in total assets. (For the asset-size test for report dates
through December 31, 2021, a holding company may use the lesser of the total assets reported in its FR Y-9C report as
of December 31, 2019, or June 30, 2020). Income and or expenses pertaining to these items should be reported in the "other"
categories 1.g, 2.e, and 5.l, respectively by holding companies with less than $5 billion in total assets.
3. Institutions that have adopted ASU 2016-13 should report in item 4, the provisions for credit losses for all financial assets and
off-balance sheet credit exposures that fall within the scope of the standard.
4. For holding companies required to complete Schedule HI, memoranda item 9, trading revenue reported in Schedule HI, item 5.c
must equal the sum of memoranda items 9.a through 9.e.
FR Y-9C
Page 2 of 75
03/2021
RSSD ID
S.F.
FR Y-9C
Page 3 of 75
Schedule HI—Continued
Dollar Amounts in Thousands
BHCK
Amount
(1) Fees and commissions from securities brokerage ....................................................
C886
5.d.(1)
5.d.(2)
5.d.(3)
5.d.(4)
5.d.(5)
(2) Investment banking, advisory, and underwriting fees and commissions.........................
C888
(3) Fees and commissions from annuity sales..............................................................
C887
(4) Underwriting income from insurance and reinsurance activities ...................................
C386
(5) Income from other insurance activities ...................................................................
C387
e. Venture capital revenue
6
..........................................................................................
B491
5.e.
f. Net servicing fees ..................................................................................................
B492
5.f.
g. Net securitization income
6
........................................................................................
B493
5.g.
(6) Fees and commissions from securities brokerage, investment banking, advisory, and
underwriting fees and commissions .......................................................................
KX46
5.d.(6)
(7) Income from insurance activities
5
.........................................................................
KX47
5.d.(7)
i. Net gains (losses) on sales of loans and lease .............................................................
8560
5.i.
8561
5.j.
B496
5.k.
B497
5.l.
4079
5.m.
3521
6.a.
3196
6.b.
4135
7.a.
4217
7.b.
C216
7.c.(1)
C232
7.c.(2)
4092
7.d.
4093
7.e.
4301
8.c.
4302
9.
4300
10.
FT28
11.
G104
12.
G103
13.
4340
14.
9. Applicable income taxes (on item 8.c)............................................................................
10. I
ncome (loss) before discontinued operations (item 8.c minus item 9)
.....................................
11. Discontinued operations, net of applicable income taxes
11
..................................................
12. Net income (loss) attributable to holding company and noncontrolling
(minority) interests (sum of items 10 and 11) ...................................................................
13. LESS: Net income (loss) attributable to noncontrolling (minority) interests
(if net income, report as a positive value; if net loss, report as a negative value).....................
14. Net income (loss) attributable to holding company (item 12 minus item 13) ...........................
5. Includes underwriting income from from insurance and reinsurance activities.
6. To be completed by holding companies with $5 billion or more in total assets (For the asset-size test for report dates through
December 31, 2021, a holding company may use the lesser of the total assets reported in its FR Y-9C report as of
December 31, 2019, or June 30, 2020). Income and or expenses pertaining to these items should be reported in the "other" categories.
7. Excludes net gains (losses) on sales of trading assets and held-to-maturity and available-for-sale debt securities.
8. See Schedule HI, memoranda item 6.
9. See Schedule HI, memoranda item 7.
10. Item 8.b is to be completed by all holding companies. See the instructions for this item and the Glossary entry for "Securities
Activities" for further detail on accounting for investments in equity securities.
11. Describe on Schedule HI, memoranda item 8.
c. Income (loss) before applicable income taxes and discontinued operations
(sum of items 8.a and 8.b) .......................................................................................
HT70
8.b.
HT69
8.a.
j. Net gains (losses) on sales of other real estate owned...................................................
k. Net gains (losses) on sales of other assets
7
.................................................................
l. Other noninterest income
8
........................................................................................
m.
Total noninterest income (sum of items 5.a through 5.l)..................................................
6. a. Realized gains (losses) on held-to-maturity securities....................................................
b. Realized gains (losses) on available-for-sale debt securities...........................................
7. Noninterest expense:
a. Salaries and employee benefits ................................................................................
b. Expenses of premises and fixed assets (net of rental income)
(excluding salaries and employee benefits and mortgage interest) ...................................
c. (1) Goodwill impairment losses .................................................................................
(2) Amortization expense and impairment losses for other intangible assets .......................
d. Other noninterest expense
9
......................................................................................
e. Total noninterest expense (sum of items 7.a through 7.d) ...............................................
8. a. Income (loss) before change in net unrealized holding gains (losses) on equity securities
not held for trading, applicable income taxes, and discontinued operations
(sum of items 3, 5.m, 6.a, 6.b, minus items 4 and 7.e) ...................................................
h. Not applicable.
b. Change in net unrealized holding gains (losses) on equity securities not held for trading
10
....
Holding companies with less than $5 billion in total assets should report data items 5.d.(6) and
5.d.(7) only and leave 5.d.(1) through 5.d.(5) blank.
03/2021
5. d. Income from securities-related and insurance activities:
FR Y-9C
Page 4 of 75
Schedule HI—Continued
Memoranda
Dollar Amounts in Thousands
BHCK
Amount
1. Net interest income (item 3 above) on a fully taxable equivalent basis.................................
4519
M.1.
2. Net income before applicable income taxes, and discontinued operations (item 8.c above)
on a fully taxable equivalent basis................................................................................
4592
M.2.
3. Income on tax-exempt loans and leases to states and political subdivisions in the U.S.
(included in Schedule HI, items 1.a and 1.b, above) ........................................................
4313
M.3.
4. Income on tax-exempt securities issued by states and political subdivisions in the U.S.
(included in Schedule HI, item 1.d.(3), above) ................................................................
6. Other noninterest income (from Schedule HI, item 5.l, above) (only report amounts greater
than $100,000 that exceed 7 percent of Schedule HI, item 5.l):
BHCK
Amount
a. Income and fees from the printing and sale of checks...................................................
C013
M.6.a.
b. Earnings on/increase in value of cash surrender value of life insurance............................
C014
M.6.b.
c. Income and fees from automated teller machines (ATMs)..............................................
C016
M.6.c.
5. Number of full-time equivalent employees at end of current period
(round to nearest whole number) .................................................................................
BHCK
4150
Number
M.5.
4507
M.4.
03/2021
Memo Items 1 and 2 are to be reported by holding companies with $5 billion or more in
total assets.
1
M
emo Items 6.a through 6.j are to be completed annually on a calendar year-to-date basis in the
December report only by holding companies with less than $5 billion in total assets. Holding
companies with $5 billion or more in total assets should report these items on a quarterly basis.
1
1. For the asset-size test for report dates through December 31, 2021, a holding company may use the lesser of the total assets
reported in its FR Y-9C report as of December 31, 2019, or June 30, 2020.
h.
TEXT
8562
8562
M.6.h.
i.
TEXT
8563
8563
M.6.i.
j.
TEXT
8564
8564
M.6.j.
g. Income and fees from wire transfers .........................................................................
T047
M.6.g.
f. Bank card and credit card interchange fees ................................................................
F555
M.6.f.
e. Safe deposit box rent.............................................................................................
C015
M.6.e.
d. Rent and other income from other real estate owned....................................................
4042
M.6.d.
Memo Items 7.a through 7.p are to be completed annually on a calendar year-to-date basis in the
December report only by holding companies with less than $5 billion in total assets. Holding
companies with $5 billion or more in total assets should report these items on a quarterly basis.
1
7. Other noninterest expense (from Schedule HI, item 7.d, above) (only report amounts greater
than $100,000 that exceed 7 percent of the sum of Schedule HI, item 7.d):
a. Data processing expenses......................................................................................
C017
M.7a.
b.
Advertising and marketing expenses.........................................................................
0497
M.7.b.
c. Directors' fees ......................................................................................................
4136
M.7.c.
d. Printing, stationery, and supplies ..............................................................................
C018
M.7.d.
e. Postage ..............................................................................................................
8403
M.7.e.
f. Legal fees and expenses........................................................................................
4141
M.7.f.
g. FDIC deposit insurance assessments .......................................................................
4146
M.7.g.
h.
Accounting and auditing expenses ...........................................................................
F556
M.7.h.
i. Consulting and advisory expenses ...........................................................................
F557
M.7. i.
j.
Automated teller machine (ATM) and interchange expenses ..........................................
F558
M.7. j.
k. Telecommunications expenses ................................................................................
F559
M.7.k.
l. Other real estate owned expenses ...........................................................................
Y923
M.7. l.
n.
TEXT
8565
8565
M.7.n.
o.
TEXT
8566
8566
M.7.o.
p.
TEXT
8567
M.7.p.
7. m. Insurance expenses (not included in employee expenses, premises and fixed assets
expenses, and other real estate owned expenses) ......................................................
Y924
M.7.m.
8. Discontinued operations and applicable income tax effect (from Schedule HI, item 11)
(itemize and describe each discontinued operation):
a. (1)
TEXT
FT29
FT29
M.8.a.(1)
(2) Applicable income tax effect .......................................
BHCK
FT30
M.8.a.(2)
b. (1)
TEXT
FT31
FT31
M.8.b.(1)
(2) Applicable income tax effect .......................................
BHCK
FT32
M.8.b.(2)
9. Trading revenue (from cash instruments and derivative instruments)
(Sum of items 9.a through 9.e must equal Schedule HI, item 5.c.)
Memorandum items 9.a through 9.e are to be completed by holding companies with $5 billion
or more in total assets
1
that reported total trading assets of $10 million or more for any quarter
of the preceding calendar year:
a. Interest rate exposures ..........................................................................................
8757
M.9.a.
b. Foreign exchange exposures ..................................................................................
8758
M.9.b.
c. Equity security and index exposures .........................................................................
8759
M.9.c.
d. Commodity and other exposures..............................................................................
8760
M.9.d.
e. Credit exposures ..................................................................................................
F186
M.9.e.
FR Y-9C
Page 5 of 75
Schedule HI—Continued
Memoranda—
Continued
Dollar Amounts in Thousands
BHCK
Amount
03/2021
Memo items 8.a.(1) through Memo item 8.b.(2) is reported by holding companies with $5 billion or
more in total assets.
1
1. For the asset-size test for report dates through December 31, 2021, a holding company may use the lesser of the total assets
reported in its FR Y-9C report as of December 31, 2019, or June 30, 2020.
2. For the $100 billion, asset size test is based on the total assets report as of prior year June 30 report.
Memoranda items 9.f and 9.g are to be completed by holding companies with $100 billion or
more in total assets that are required to complete Schedule HI, Memorandum items 9.a
through 9.e, above.
2
M.9.f.
K094
M.9.g.
K090
f. Impact on trading revenue of changes in the creditworthiness of the holding company's
derivatives counterparties on the holding company's derivative assets (included in
Memorandum items 9.a through 9.e above)................................................................
g. Impact on trading revenue of changes in the creditworthiness of the holding company
on the holding company's derivative liabilities
(included in Memorandum items 9.a through 9.e above) ...............................................
10. Net gains (losses) recognized in earnings on credit derivatives that economically hedge credit
exposures held outside the trading account:
a. Net gains (losses) on credit derivatives held for trading.................................................
C889
M.10.a.
b. Net gains (losses) on credit derivatives held for purposes other than trading .....................
C890
M.10.b.
Memorandum items 10.a and 10.b are to be completed by holding companies with $10 billion or
more in total consolidated assets.
1
M
emorandum item 11 is to be completed by holding companies with $5 billion or more in
total assets.
1
11. Credit losses on derivatives (see instructions) ................................................................ M.11.
A251
8567
FR Y-9C
Page 6 of 75
Schedule HI—Continued
Memoranda—
Continued
Dollar Amounts in Thousands
BHCK
Amount
Memorandum items 12.a through 12.c are to be completed by holding companies with $5 billion or
more in total assets.
1
12. a. Income from the sale and servicing of mutual funds and annuities (in domestic offices)..........
8431
M.12.a.
b. (1) Premiums on insurance related to the extension of credit..........................................
C242
M.12.b.(1)
(2) All other insurance premiums ..............................................................................
C243
M.12.b.(2)
c. Benefits, losses, and expenses from insurance-related activities.....................................
B983
M.12.c.
13. Does the reporting holding company have a Subchapter S election in effect for
federal income tax purposes for the current tax year? (Enter "1" for Yes; enter "0" for No.)...............
BHCK
A530
M.13.
Dollar Amounts in Thousands
BHCK
Amount
Memorandum
items 14(a) through 14(b)(1) are to be completed by holding companies with $5 billion
or more in total assets that have elected to account for assets and liabilities under a fair value option.
1
14. Net gains (losses) recognized in earnings on assets and liabilities that are reported at
fair value under a fair value option:
a. Net gains (losses) on assets ...................................................................................
F551
M.14.a.
(1) Estimated net gains (losses) on loans attributable to changes in instrument-specific
credit risk .......................................................................................................
F552
M.14.a.(1)
b. Net gains (losses) on liabilities.................................................................................
F553
M.14.b.
(1) Estimated net gains (losses) on liabilities attributable to changes in instrument-specific
credit risk........................................................................................................
F554
M.14.b.(1)
15. Stock-based employee compensation expense (net of tax effects) calculated for all
awards under the fair value method .............................................................................
C409
M.15.
Memorandum item 16 is to be completed by holding companies that are required to complete
Schedule HC-C, Memorandum items 6.b and 6.c and is to be completed semiannually in the
June and December reports only by holding companies with $5 billion or more in total assets and
annually on a year-to-date basis in the December report by holding companies with less than $5
billion in total assets.
1
Year-to-date
BHCK
Amount
16. Noncash income from negative amortization on closed-end loans secured by 1–4 family
residential properties (included in Schedule HI, item 1.a.(1)(a))..........................................
F228
M.16.
17. Other-than-temporary impairment losses on held-to-maturity and available-for-sale debt
securities recognized in earnings (included in Schedule HI, items 6.a and 6.b)
2
.....................
J321
M.17.
1. For the asset-size test for report dates through December 31, 2021, a holding company may use the lesser of the total assets
reported in its FR Y-9C report as of December 31, 2019, or June 30, 2020.
2. Memorandum item 17 is to be completed only by institutions that have not adopted ASU 2016-13.
0=No
1=Yes
03/2021
Memorandum item 15 is to be completed by holding companies with $5 billion or more in
total assets.
1
Memorandum item 17 is to be completed semiannually in June and December by holding
companies with less than $5 billion in total assets. (Holding companies with more than $5 billion
will continue to report quarterly).
1
FR Y-9C
Page 7 of 75
Schedule HI-A—Changes in Holding Company Equity Capital
Dollar Amounts in Thousands
BHCK
Amount
1. Total holding company equity capital most recently reported for the end of previous
calendar year (i.e., after adjustments from amended Reports of Income) ...................................
3217
1.
2. C
umulative effect of changes in accounting principles and corrections of material accounting errors
B507
2.
3. Balance end of previous calendar year as restated (sum of items 1 and 2).................................
B508
3.
BHCT
4. Net income (loss) attributable to holding company (must equal Schedule HI, item 14) ..................
4340
4.
5. Sale of perpetual preferred stock (excluding treasury stock transactions):
BHCK
a. Sale of perpetual preferred stock, gross...........................................................................
3577
5.a.
b. Conversion or retirement of perpetual preferred stock.........................................................
3578
5.b.
6. Sale of common stock:
a. Sale of common stock, gross.........................................................................................
3579
6.a.
b. Conversion or retirement of common stock.......................................................................
3580
6.b.
7. Sale of treasury stock......................................................................................................
4782
7.
8. LESS: Purchase of treasury stock......................................................................................
4783
8.
9. Changes incident to business combinations, net ...................................................................
4356
9.
10. LESS: Cash dividends declared on preferred stock ...............................................................
4598
10.
1
1
. LESS: Cash dividends declared on common stock................................................................
4460
11.
12. Other comprehensive income
1
..........................................................................................
B511
12.
13. Change in the offsetting debit to the liability for Employee Stock Ownership Plan (ESOP) debt
guaranteed by the holding company...................................................................................
4591
13.
14. Other adjustments to equity capital (not included above) ........................................................
3581
14.
15. Total holding company equity capital end of current period (sum of items 3, 4, 5, 6, 7, 9, 12,
13, and 14, less items 8, 10, and 11) (must equal item 27.a on Schedule HC).............................
BHCT
3210
15.
1. Includes, but is not limited to, changes in net unrealized holding gains (losses) on available-for-sale debt securities, changes in accumulated
net gains (losses) on cash flow hedges, foreign currency translation adjustments, and pension and other postretirement plan related changes
other than net periodic benefit cost.
12/2020
FR Y-9C
Page 8 of 75
Schedule HI-B—Charge-Offs and Recoveries on Loans and
Leases and Changes in Allowances for Credit Losses
(Column A)
Charge-offs
1
(Column B)
Recoveries
Dollar Amounts in Thousands
BHCK
Amount
BHCK
Amount
1. Loans secured by real estate:
a. Construction, land development, and other land loans
in domestic offices:
(1) 1–4 family residential construction loans .................................
C891 C892
1.a.(1)
(2) Other construction loans and all land development and
other land loans .................................................................
C893 C894
1.a.(2)
b. Secured by farmland in domestic offices ......................................
3584 3585
1.b.
c. Secured by 1–4 family residential properties in domestic offices:
(1) Revolving, open-end loans secured by 1–4 family residential
properties and extended under lines of credit ...........................
5411 5412
1.c.(1)
(2) Closed-end loans secured by 1–4 family residential
properties in domestic offices:
(a) Secured by first liens ......................................................
C234 C217
1.c.(2)(a)
(b) Secured by junior liens....................................................
C235 C218
1.c.(2)(b)
d. Secured by multifamily (5 or more) residential properties in
domestic offices......................................................................
3588 3589
1.d.
e. Secured by nonfarm nonresidential properties in domestic offices:
(1) Loans secured by owner-occupied nonfarm nonresidential
properties..........................................................................
C895 C896
1.e.(1)
(2) Loans secured by other nonfarm nonresidential properties..........
C897 C898
1.e.(2)
f. In foreign offices .....................................................................
B512 B513
1.f.
2. Not applicable.
3. Loans to finance agricultural production and other loans to farmers ......
4655 4665
3.
03/2021
Part I. Charge-offs and Recoveries on Loans and Leases (Fully Consolidated)
Part I includes charge-offs and recoveries through
the allocated transfer risk reserve.
Holding companies with less than $5 billion should report Item 4.c only
and leave 4.a and 4.b blank.
2
4. Commercial and industrial loans:
a. To U.S. addressees (domicile) ...................................................
4645 4617
4.a.
b. To non-U.S. addressees (domicile) .............................................
4646 4618
4.b.
c. To U.S. addressees (domicile) and non-U.S. addressees (domicile)...
KX48 KX49
4.c.
5. Loans to individuals for household, family, and other personal
expenditures:
a. Credit cards ...........................................................................
5.b.
K133K129
b. Automobile loans ....................................................................
B514 B515
5.a.
c. Other consumer loans (includes single payment, installment,
all student loans, and revolving credit plans other than
credit cards) ..........................................................................
K205
K206
5.c.
Item 6 is to be completed by holding companies with $5 billion or more in
total consolidated assets.
2
6. Loans to foreign governments and official institutions.........................
4643 4627
6.
7. All other loans............................................................................
4644 4628
7.
1. Include write-downs arising from transfers of loans to a held-for-sale account.
2. For the asset-size test for report dates through December 31, 2021, a holding company may use the lesser of the total assets
reported in its FR Y-9C report as of December 31, 2019, or June 30, 2020.
a. Leases to individuals for household, family, and other personal
expenditures ..........................................................................
F185 F187
8.a.
b. All other leases.......................................................................
C880 F188
8.b.
9. Total (sum of items 1 through 8.b)
3
.................................................
4635 4605
9.
c. Leases to individuals for household, family, and other personal
expenditures and all other leases ...............................................
KX50 KX51
8.c.
1. Include write-downs arising from transfers of loans to a held-for-sale account.
2. For the asset-size test for report dates through December 31, 2021, a holding company may use the lesser of the total assets
reported in its FR Y-9C report as of December 31, 2019, or June 30, 2020.
3. For holding companies with less than $5 billion in total assets, Total loans and leases (sum of items 1 through 7 plus 8c.)
2. L
oans secured by real estate to non-U.S. addressees (domicile) (included in
Schedule HI-B, part I, item 1, above) ....................................................
4652 4662
M.2.
M
emorandum item 3 is to be completed by (1) holding companies with $5 billion or more in total assets
3
that, together with affiliated
institutions, have outstanding credit card receivables (as defined in the instructions) that exceed $500 million as of the report date or
(2) holding companies that on a consolidated basis are credit card specialty holding companies (as defined in the instructions).
3. Uncollectible retail credit card fees and finance charges reversed against income
(i.e., not included in charge-offs against the allowance for loan and lease losses)
2
.........................
Year-to-date
BHCK
Amount
C388
M.3.
1. Include write-downs arising from transfers of loans to a held-for-sale account.
2. Institutions that have adopted ASU 2016-13 should report in Memorandum item 3 uncollectible retail credit card fees and finance charges
reversed against income (i.e., not included in charge-offs against the allowance for credit losses on loans and leases).
3. For the asset-size test for report dates through December 31, 2021, a holding company may use the lesser of the total assets
reported in its FR Y-9C report as of December 31, 2019, or June 30, 2020.
Memoranda
(Column A)
Charge-offs
1
(Column B)
Recoveries
Date
Dollar Amounts in Thousands
BHCK
Amount
BHCK
Amount
1. Loans to finance commercial real estate, construction, and land
development activities (not secured by real estate) included in Schedule
HI-B, part I, items 4 and 7 above .........................................................
5409 5410
M.1.
Memorandum item 2 is to be completed by holding companies with $5 billion or
more in total assets.
3
FR Y-9C
Page 9 of 75
Schedule HI-B—Continued
8. Lease financing receivables:
Holding companies with less than $5 billion in total assets should
report data item 8.c and leave item 8.a and 8.b blank.
2
(Column A)
Charge-offs
1
(Column B)
Recoveries
Dollar Amounts in Thousands
BHCK
Amount
BHCK
Amount
03/2021
Part I—Continued
(Column A)
Loans and leases held
for investment
(Column B)
Held-to-maturity
debt securities
2
(Column C)
Available-for-sale
debt securities
2
BHCK
Amount
BHCK
Amount
BHCK
Amount
Dollar Amounts in Thousands
1. Balance most recently reported at end of previous
year (i.e., after adjustments from amended Reports
of Income) ......................................................
2. Recoveries (column A must equal Part I, item 9,
column B, above) .............................................
3. LESS: Charge-offs (column A must equal Part I,
item 9,
column A, above less Schedule HI-B, Part II,
item 4, Column A) ............................................
4. LESS: Write-downs arising from transfers of
financial assets
3
...............................................
5. Provisions for credit losses
4, 5
..............................
6. Adjustments (see instructions for this schedule)......
7. Balance end of current period (sum of items 1, 2, 5,
and 6, less items 3 and 4) (column A must equal
Schedule HC, item 4.c)......................................
1. Institutions that have not adopted ASU 2016-13 should report changes in allowance for loan and lease losses in column A.
2. Columns B and C are to be completed only by institutions that have adopted ASU 2016-13.
3. Institutions that have not adopted ASU 2016-13, should report write-downs arising from transfers of loans to a held-for-sale account
in item 4, column A.
4. Institutions that have not yet adopted ASU 2016-13 should report the provision for loan and lease losses in item 5, column A, and the amount
reported must equal Schedule HI, item 4.
5. For institutions that have adopted ASU 2016-13, the sum of item 5, columns A through C, plus schedule HI-B, Part II, Memorandum items 5
and 7 below, must equal Schedule HI, item 4.
JH94B522 JH88
1.
JH954605 JH89
2.
JH98JH92
3.
JJ015523 JJ00
4.
JH964230 JH90
5.
JH97C233 JH91
6.
JH99JH93
7.
BHCT
BHCT
BHCK
3123
C079
Part II. Changes in Allowances for Credit Losses
1
FR Y-9C
Page 10 of 75
Schedule HI-B—Continued
03/2021
Part II—Continued
FR Y-9C
Page 11 of 75
Schedule HI-B—Continued
03/2021
Memoranda
Dollar Amounts in Thousands
1. Allocated transfer risk reserve included in Schedule HI-B, part II, item 7, column A, above.............
C435
M.1.
Memoranda items 2 and 3 are to be completed by (1) holding companies that, together with
affiliated institutions, have outstanding credit card receivables (as defined in the instructions) that
exceed $500 million as of the report date or (2) holding companies that on a consolidated basis are
credit card specialty holding companies (as defined in the instructions).
2. Separate valuation allowance for uncollectible retail credit card fees and finance charges .............
C389
M.2.
3. Amount of allowance for loan and lease losses attributable to retail credit card fees and
finance charges
2
............................................................................................................
C390
M.3.
4. Amount of allowance for post-acquisition credit losses on purchased credit-impaired loans
accounted for in accordance with AICPA Statement of Position 03-3
(included in Schedule HI-B, part II, item 7, column A, above)
3
..................................................
C781
M.4.
5. Provisions for credit losses on other financial assets measured at amortized cost (not included in
item 5, above)
4
..............................................................................................................
JJ02
M.5.
6. Allowance for credit losses on other financial assets measured at amortized cost (not included in
item 7, above)
4
..............................................................................................................
JJ03
M.6.
Memoranda Items 1, 2, 4, and 8 are to be completed by holding companies with $5 billion or more in
total assets.
1
1. For the asset-size test for report dates through December 31, 2021, a holding company may use the lesser of the total assets
reported in its FR Y-9C report as of December 31, 2019, or June 30, 2020.
2. Institutions that have adopted ASU 2016-13 should report in Memorandum item 3 the amount of allowance for credit losses on loans and
leases attributable to retail credit card fees and finance charges.
3. Memorandum item 4 is to be completed only by institutions that have not yet adopted ASU 2016-13.
4. Memorandum items 5, 6, 7, and 8 are to be completed only by institutions that have adopted ASU 2016-13.
8. Estimated amount of expected recoveries of amounts previously written off included within
the allowance for credit losses on loans and leases held for investment (include in item 7,
column A, “Balance end of current period,”above)
4
..........................................................
MG94
M.8.
7. Provisions for credit losses on off-balance-sheet credit exposures
4
...................................
MG93
M.7.
BHCK
Amount
(Column B)
Allowance Balance:
Individually Evaluated
for Impairment
(ASC 310-10-35)
(Column C)
Recorded Investment:
Collectively Evaluated
for Impairment
(ASC 450-20)
(Column D)
Allowance Balance:
Collectively Evaluated
for Impairment
(ASC 450-20)
(Column E)
Recorded Investment:
Purchased
Credit-Impaired Loans
(ASC 310-30)
(Column F)
Allowance Balance:
Purchased
Credit-Impaired Loans
(ASC 310-30)
BHCK
Amount
M709
M715
M722
M728
M723 M724 M725 M726
M729 M730 M731 M732
2.
3.
M721
M727
M734
M740
M747 M748 M749 M750 M751M746
1. Only institutions with total assets greater than $5 billion that have not adopted ASU 2016-13 are to complete Schedule HI-C, Part I.
2. For the asset-size test for report dates through December 31, 2021, a holding company may use the lesser of the total assets reported in its FR Y-9C report as of December 31, 2019,
or June 30, 2020.
3. Include all loans and leases not reported as real estate loans, credit cards, or other consumer loans in items 1, 3, or 4 on Schedule HI-C, Part I.
4. The sum of item 6, columns B, D, and F, must equal Schedule HC, item 4.c. Item 6, column E, must equal Schedule HC-C, Memorandum item 5.b. Item 6, column F, must equal Schedule HI-B,
Part II, Memorandum item 4.
6.
6. Total
(sum of
items 1.a. through 5.)
4
.........
M735 M736 M737 M738
M741 M742 M743 M744
3. Credit cards ..................
4. Other consumer loans.....
4.
5. Unallocated, if any..........
5.
M733
M739
BHCK
Amount
BHCK
Amount
BHCK
Amount
BHCK
Amount
M710 M711 M712 M713
M716 M717 M719 M720
Dollar Amounts in Thousands
1. Real estate loans:
a. Construction loans .....
1.a.
c. Residential
real estate loans ........
1.c.
2. Commercial loans
3
.........
BHCK
Amount
M708
M714
1.b.
b. Commercial
real estate loans ........
(Column A)
Recorded Investment:
Individually Evaluated
for Impairment
(ASC 310-10-35)
M745
Schedule HI-C—Disaggregated Data on the Allowance for Loan and Lease Losses
FR Y-9C
Page 12 of 75
03/2021
Part I. Disaggregated Data on the Allowance for Loan and Lease Losses to be Completed by Holding Companies with $5 Billion or
More in Total Assets
1, 2
Schedule HI-C—Continued
Part II. Disaggregated Data on the Allowances for Credit Losses
1, 2
FR Y-9C
Page 13 of 75
(Column A)
Amortized Cost
(Column B)
Allowance Balance
BHCK
Amount
BHCK
Amount
JJ04 JJ12
JJ11 JJ19
JJ08 JJ16
Dollar Amounts in Thousands
Loans and Leases Held for Investment:
1
1.a.a. Construction loans ......................................................................
b. Commercial real estate loans ........................................................
6.
1. Real estate loans:
3.
c. Residential real estate loans..........................................................
4. Other consumer loans .....................................................................
3. Credit cards ..................................................................................
2. Commercial loans
3
..........................................................................
5. Unallocated, if any ..........................................................................
6. Total (sum of items 1.a through 5)
4
.....................................................
Allowance Balance
BHCK
Amount
Dollar Amounts in Thousands
JJ20
JJ23
JJ21
Held-to-Maturity Securities:
5
7.
9.
7. Securities issued by states and political subdivisions in the U.S. ..............................................
8.
9. Asset-backed securities and structured financial products.......................................................
8. Total mortgage-backed securities (MBS) (including CMOs, REMICs and stripped MBS) ...............
10. Other debt securities .......................................................................................................
11. Total (sum of items 7 through 10)
6
.....................................................................................
JJ05 JJ13
1.b.
JJ06 JJ14
1.c.
JJ07 JJ15
2.
JJ09 JJ17
4.
JJ18
5.
1. Data items 1-6 are to be completed by holding companies that have adopted ASU 2016-13 and holding companies with less than $5 billion that
have not adopted ASU 2016-13 (and chose not to report on HI-C Part I). Holding companies that have less than $5 billion in total assets and
have not adopted ASU 2016-13 should report the recorded investment instead of the amortized cost in column A and report items 1-6
semiannually in June and December.
2. For the asset-size test for report dates through December 31, 2021, a holding company may use the lesser of the total assets reported
in its FR Y-9C report as of December 31, 2019, or June 30, 2020.
3. Include all loans and leases not reported as real estate loans, credit cards, or other consumer loans in items 1, 3, or 4 of Schedule HI-C, Part II.
4. Item 6, column B, must equal schedule HC, item 4.c.
5. Only institutions that have adopted ASU 2016-13 are to complete Schedule HI-C, Part II line items 7 through 11. Institutions with less than
$5 billion in total assets should report items 7 through 11 semiannually in the June and December reports only.
6. Item 11 must equal Schedule HI-B, Part II item 7, column B.
03/2021
JJ25
JJ24
11.
10.
Notes to the Income Statement—Predecessor Financial Items
For holding companies involved in a business combination(s) during the quarter, provide on the lines below income statement
information for any acquired company(ies) with aggregated assets of $10 billion or more or 5 percent of the reporting holding
company's total consolidated assets as of the previous quarter-end, whichever is less. Information should be reported year-to-
date of acquisition.
Dollar Amounts in Thousands
BHBC
Amount
1. Total interest income ......................................................................................................
4107
1.
a. Interest income on loans and leases ..............................................................................
4094
1.a.
b. Interest income on investment securities.........................................................................
4218
1.b.
2. Total interest expense ....................................................................................................
4073
2.
a. Interest expense on deposits........................................................................................
4421
2.a.
3. Net interest income........................................................................................................
4074
3.
4. Provision for loan and lease losses
1
..................................................................................
JJ33
4.
5. Total noninterest income .................................................................................................
4079
5.
a. Income from fiduciary activities .....................................................................................
4070
5.a.
b. Trading revenue ........................................................................................................
A220
5.b.
c. Investment banking, advisory, brokerage, and underwriting fees and commissions ..................
B490
5.c.
d. Venture capital revenue...............................................................................................
B491
5.d.
e. Net securitization income.............................................................................................
B493
5.e.
f. Insurance commissions and fees ..................................................................................
B494
5.f.
6. Realized gains (losses) on held-to-maturity and available-for-sale securities
2
.............................
4091
6.
7. Total noninterest expense ...............................................................................................
4093
7.
a. Salaries and employee benefits ....................................................................................
4135
7.a.
b. Goodwill impairment losses..........................................................................................
C216
7.b.
8. Income (loss) before applicable income taxes and discontinued operations...............................
4301
8.
9. Applicable income taxes .................................................................................................
4302
9.
10. Noncontrolling (minority) interest ......................................................................................
4484
10.
11. Discontinued operations, net of applicable income taxes and noncontrolling (minority) interest ......
FT41
11.
12. Net income (loss) ..........................................................................................................
4340
12.
13. Cash dividends declared.................................................................................................
4475
13.
14. Net charge-offs .............................................................................................................
6061
14.
15. Net interest income (item 3 above) on a fully taxable equivalent basis......................................
4519
15.
FR Y-9C
Page 14 of 75
03/2021
BHCK
BHBC
1. Institutions that have adopted ASU 2016-13 should report in item 4, the provisions for credit losses for all financial assets and off-balance
sheet credit exposures that fall within the scope of the standard.
2. Includes provisions governing the accounting for investments in equity securities, include realized and unrealized gains (losses)
(and all other value changes) on equity securities and other equity investments not held for trading in item 6.
FR Y-9C
Page 15 of 75
Notes to the Income Statement (Other)
Enter in the lines provided below any additional information on specific line items on the income statement or to its schedules that the
holding company wishes to explain, that has been separately disclosed in the holding company's quarterly reports to its shareholders,
in its press releases, or on its quarterly reports to the Securities and Exchange Commission (SEC). Exclude any
transactions that have been separately disclosed under the reporting requirements specified in memoranda items 6 through 8 to
Schedule HI, the Consolidated Income Statement.
Also include any transactions which previously would have appeared as footnotes to Schedules HI through HI-B.
Each additional piece of information disclosed should include the appropriate reference to schedule and item number, as well as a
description of the additional information and the dollar amount (in thousands of dollars) associated with that disclosure.
Example
A holding company has received $1.35 million of back interest on loans and leases that are currently in nonaccrual status. The holding
company's interest income for the quarter shows that increase which has been disclosed in the report to the stockholders and to the
SEC. Enter on the line item below the following information:
TEXT BHCK
Amount
0000
Sch. HI, item 1.a(1), Recognition of interest payments on
nonaccrual loans to XYZ country
0000
1350
Dollar Amounts in Thousands
Notes to the Income Statement (Other)
TEXT
4.
5351
4.
5.
5352
5351
5352
5.
6.
5353
5353
6.
7.
5354
5354
7.
8.
5355
5355
8.
9.
B042
B042
9.
10.
B043
B043
10.
Amount
BHCK
BHCK
Amount
03/2020
1. Effect of adoption of Current Expected Credit Losses Methodology - ASU 2016-13
1, 2
........................
2. Initial allowances for credit losses recognized upon the acquisition of purchased credit-deteriorated
assets on or after the effective date of ASU 2016-13
1
................................................................
3. Effect of adoption of current expected credit losses methodology on allowances for credit losses on
loans and leases held for investment and held-to-maturity debt securities
1, 2
...................................
JJ26
JJ27
JJ28
1.
2.
3.
1. Only institutions that have adopted ASU 2016-13 should report values in these items, if applicable.
2. Institutions should complete this item in the quarter that they adopt ASU 2016-13 and in the quarter-end FR Y-9C report for the
remainder of that calendar year only.
FR Y-9C
Page 16 of 75
Notes to the Income Statement (Other)—Continued
TEXT
Dollar Amounts in Thousands
BHCK
Amount
14.
B047
B047
14.
15.
B048
B048
15.
16.
B049
B049
16.
17.
B050
B050
17.
18.
B051
B051
18.
19.
B052
B052
19.
20.
B053
B053
20.
21.
B054
B054
21.
22.
B055
B055
22.
23.
B056
B056
23.
03/2019
11.
B044
B044
11.
12.
B045
B045
12.
13.
B046
B046
13.
FR Y-9C
Page 17 of 75
Name of Holding Company
Consolidated Financial Statements for
Holding Companies
Report at the close of business
Schedule HC—Consolidated Balance Sheet
Dollar Amounts in Thousands
BHCK
Amount
Assets
1. Cash and balances due from depository institutions:
a. Noninterest-bearing balances and currency and coin
1
.......................................................
0081
1.a.
b. Interest-bearing balances:
2
(1) In U.S. offices ......................................................................................................
0395
1.b.(1)
(2) In foreign offices, Edge and Agreement subsidiaries, and IBFs.......................................
0397
1.b.(2)
2. Securities:
a. Held-to-maturity securities (from Schedule HC-B, column A)
3
.............................................
JJ34
2.a.
b. Available-for-sale debt securities (from Schedule HC-B, column D).....................................
1773
2.b.
3. Federal funds sold and securities purchased under agreements to resell:
a. Federal funds sold in domestic offices ...................................................................
BHDM
B987
3.a.
b. Securities purchased under agreements to resell
5, 6
..................................................
BHCK
B989
3.b.
4. Loans and lease financing receivables:
a. Loans and leases held for sale ....................................................................................
5369
4.a.
b. Loans and leases, held for investment...........................................
B528
4.b.
c. LESS: Allowance for loan and lease losses
7
...................................
3123
4.c.
d. Loans and leases, held for investment, net of allowance for loan and lease losses
(item 4.b minus 4.c)...................................................................................................
B529
4.d.
5. Trading assets (from Schedule HC-D) ..............................................................................
3545
5.
6. Premises and fixed assets (including capitalized leases) ......................................................
2145
6.
7. Other real estate owned (from Schedule HC-M)..................................................................
2150
7.
8. Investments in unconsolidated subsidiaries and associated companies ...................................
2130
8.
9. Direct and indirect investments in real estate ventures .........................................................
3656
9.
10. Intangible assets (from Schedule HC-M) ...........................................................................
11. Other assets (from Schedule HC-F)
6
.................................................................................
2160
11.
12. Total assets (sum of items 1 through 11) ...........................................................................
2170
12.
1. Includes cash items in process of collection and unposted debits.
2. Includes time certificates of deposit not held for trading.
3. Institutions that have adopted ASU 2016-13 should report in item 2.a amounts net of any applicable allowance for credit losses, and item 2.a
should equal Schedule HC-B, item 8, column A, less Schedule HI-B, Part II, item 7, column B.
4. Item 2.c is to be completed by all holding companies. See the instructions for this item and the Glossary for "Securities Activities"
for further detail on accounting for investments in equity securities.
5. Includes all securities resale agreements in domestic and foreign offices, regardless of maturity.
6. Institutions that have adopted ASU 2016-13 should report items 3.b and 11 amounts net of any applicable allowance for credit losses.
7. Institutions that have adopted ASU 2016-13 should report in item 4.c the allowance for credit losses on loans and leases.
Date
12/2020
For Federal Reserve Bank Use Only
C.I.
c. Equity securities with readily determinable fair values not held for trading
4
............................
JA22
2.c.
2143
10.
FR Y-9C
Page 18 of 75
Schedule HC—Continued
Dollar Amounts in Thousands
BHDM
Amount
Liabilities
13. Deposits:
a. In domestic offices (from Schedule HC-E):
(1) Noninterest-bearing
1
.............................................................................................
6631
13.a.(1)
(2) Interest-bearing....................................................................................................
6636
13.a.(2)
b. In foreign offices, Edge and Agreement subsidiaries, and IBFs:
BHFN
(1) Noninterest-bearing ..............................................................................................
6631
13.b.(1)
(2) Interest-bearing....................................................................................................
6636
13.b.(2)
BHDM
14. Federal funds purchased and securities sold under agreements to repurchase:
a. Federal funds purchased in domestic offices
2
..................................................................
B993
14.a.
BHCK
b. Securities sold under agreements to repurchase
3
............................................................
B995
14.b.
15. Trading liabilities (from Schedule HC-D)............................................................................
3548
15.
16. Other borrowed money (includes mortgage indebtedness and obligations under
capitalized leases) (from Schedule HC-M) .........................................................................
3190
16.
17. Not applicable.
18. Not applicable.
19. a. Subordinated notes and debentures
4
............................................................................
4062
19.a.
b. Subordinated notes payable to unconsolidated trusts issuing trust preferred securities, and
trust preferred securities issued by consolidated special purpose entities .............................
C699
19.b.
20. Other liabilities (from Schedule HC-G) ..............................................................................
2750
20.
21. Total liabilities (sum of items 13 through 20).......................................................................
2948
21.
22. Not applicable.
Equity Capital
Holding Company Equity Capital
23. Perpetual preferred stock and related surplus ....................................................................
3283
23.
24. Common stock (par value) .............................................................................................
3230
24.
25. Surplus (exclude all surplus related to preferred stock).........................................................
3240
25.
26. a. Retained earnings.....................................................................................................
3247
26.a.
b. Accumulated other comprehensive income
5
....................................................................
B530
26.b.
c. Other equity capital components
6
.................................................................................
A130
26.c.
27. a. Total holding company equity capital (sum of items 23 through 26.c)....................................
3210
27.a.
b. Noncontrolling (minority) interests in consolidated subsidiaries ...........................................
3000
27.b.
28. Total equity capital (sum of items 27.a and 27.b).................................................................
G105
28.
29. Total liabilities and equity capital (sum of items 21 and 28)....................................................
3300
29.
1. Includes noninterest-bearing demand, time, and savings deposits.
2. Report overnight Federal Home Loan Bank advances in Schedule HC, item 16, "Other borrowed money."
3. Includes all securities repurchase agreements in domestic and foreign offices regardless of maturity.
4. Includes limited-life preferred stock and related surplus.
5. Includes,
but is not limited to, net unrealized holding gains (losses) on available-for-sale securities, accumulated net gains (losses) on cash flow
hedges, cumulative foreign currency translation adjustments, and accumulated defined benefit pension and other postretirement plan adjustments.
6. Includes treasury stock and unearned Employee Stock Ownership Plan shares.
03/2013
FR Y-9C
Page 19 of 75
Schedule HC—Continued
Memoranda
(to be completed annually by holding companies for the December 31 report date)
BHCK
1. Has the holding company engaged in a full-scope independent external audit at any time during the
calendar year? (Enter "1" for Yes, enter "0" for No.) ........................................................................
C884
M.1.
2. If response to Memoranda item 1 is yes, indicate below the name and address of the holding company's
independent external auditing firm (see instructions), and the name and e-mail address of the auditing firm's
engagement partner.
7
a.
(1) Name of External Auditing Firm (TEXT C703)
(2) City (TEXT C708)
(3) State Abbreviation (TEXT C714) (4) Zip Code (TEXT C715)
b.
(1) Name of Engagement Partner (TEXT C704)
(2) E-mail Address (TEXT C705)
7. The Federal Reserve regards information submitted in response to Memorandum item 2.b as confidential.
0=No
1=Yes
03/2013
(a) Issued or guaranteed by FNMA, FHLMC, or GNMA ..........
K142
b. Other residential mortgage-backed securities
(include CMOs, REMICs, and stripped MBS):
(1) Issued or guaranteed by U.S. Government agencies or
sponsored agencies
2
.......................................................
G312 G313 G314 G315
4.b.(1)
(2) Collateralized by MBS issued or guaranteed by U.S.
Government agencies or sponsored agencies
2
.....................
G316 G317 G318 G319
4.b.(2)
(3)
All other residential mortgage-backed securities....................
G320 G321 G322 G323
4.b.(3)
c. Commercial MBS:
(1) Commercial pass-through securities:
(b) Other pass-through securities .......................................
4.c.(1)(b)
K149K148K147K146
K143 K144 K145
4.c.(1)(a)
(2) Other commercial MBS:
(b) All other commercial MBS ............................................
K150
4.c.(2)(b)
K157K156K155K154
K151 K152 K153
4.c.(2)(a)
(a) Issued or guaranteed by U.S. Government agencies or
sponsored agencies
2
..................................................
1. Includes Small Business Administration "Guaranteed Loan Pool Certificates," U.S. Maritime Administration obligations, Export-Import Bank participation certificates, and obligations (other
than mortgage-backed securities) issued by the Farm Credit System, the Federal Home Loan Bank System, the Federal Home Loan Mortgage Corporation, the Federal National Mortgage
Association, the Financing Corporation, Resolution Funding Corporation, the Student Loan Marketing Association, and the Tennessee Valley Authority.
2. U.S. Government agencies include, but are not limited to, such agencies as the Government National Mortgage Association (GNMA), the Federal Deposit Insurance Corporation (FDIC),
and the National Credit Union Administration (NCUA). U.S. Government-sponsored agencies include, but are not limited to, such agencies as the Federal Home Loan Mortgage Corporation
(FHLMC) and the Federal National Mortgage Association (FNMA).
3. For the asset-size test for report dates through December 31, 2021, a holding company may use the lesser of the total assets reported in its FR Y-9C report as of
December 31, 2019, or June 30, 2020.
a. Residential pass-through securities:
(1) Guaranteed by GNMA .....................................................
G300 G301 G302 G303
4.a.(1)
(2) Issued by FNMA and FHLMC ............................................
G304 G305 G306 G307
4.a.(2)
(3) Other pass-through securities............................................
G308 G309 G310 G311
4.a.(3)
(4) Guaranteed by GNMA, issued by FNMA and FHLMC and
other pass-through securities ............................................
KX52 KX53 KX54 KX55
4.a.(4)
3. Securities issued by states and political subdivisions in the U.S. ......
8496 8497 8498 8499
3.
4. Mortgage-backed securities (MBS)
Held-to-Maturity Available-for-Sale
(Column A)
Amortized Cost
(Column B)
Fair Value
(Column C)
Amortized Cost
(Column D)
Fair Value
Dollar Amounts in Thousands
BHCK
Amount
BHCK
Amount
BHCK
Amount
BHCK
Amount
1. U.S. Treasury securities...........................................................
0211 0213 1286 1287
1.
2. U.S. government agency and sponsored agency obligations
(exclude mortgage-backed securities)
1
........................................
HT50 HT51 HT52 HT53
2.
Schedule HC-B—Securities
FR Y-9C
Page 20 of 75
03/2021
Holding companies with less than $5 billion should report data
item 4.a.(4) and should leave 4.a.(1) through 4.a.(3) blank.
3
Memoranda
Dollar Amounts in Thousands
BHCK
Amount
1. Pledged securities
2
....................................................................................................................................................................
0416
M.1.
2. Remaining maturity or next repricing date of debt securities
2, 3
(Schedule HC-B, items 1 through 6.b in columns A and D above):
a. 1 year and less......................................................................................................................................................................
0383
M.2.a.
b. Over 1 year to 5 years ............................................................................................................................................................
0384
M.2.b.
c. Over 5 years .........................................................................................................................................................................
0387
M.2.c.
3. Amortized cost of held-to-maturity securities sold or transferred to available-for-sale or trading securities during the calendar year-to-date
(report the amortized cost at date of sale or transfer) ........................................................................................................................
1778
M.3.
4. Structured notes (included in the held-to-maturity and available-for-sale accounts in Schedule HC-B, items 2, 3, 5, and 6):
a. Amortized cost ......................................................................................................................................................................
8782
M.4.a.
b. Fair value .............................................................................................................................................................................
8783
M.4.b.
1. F
or institutions that have adopted ASU 2016-13, the total reported in column A must equal Schedule HC, item 2.a, plus Schedule HI-B, Part II, item 7, column B. For institutions that
have not adopted ASU 2016-13, the total reported in column A must equal Schedule HC, item 2.a. For all institutions, the total reported in column D must equal Schedule HC, item 2.b.
2. Includes held-to-maturity securities at amortized cost, available-for-sale debt securities at fair value, and equity securities with readily determinable fair values not held for trading
(reported in Schedule HC, item 2.c) at fair value.
3. Report fixed-rate debt securities by remaining maturity and floating-rate debt securities by next repricing date.
Memorandum item 3 is to be completed semiannually in the June and December reports only.
8. Total (sum of items 1 through 6.b)
1
................................................
1754 1771 1772 1773
BHCT
8.
7. Not applicable.
1737 1738 1739 1741
6.a.
1742 1743 1744 1746
6.b.
6. Other debt securities:
a. Other domestic debt securities..................................................
b. Other foreign debt securities ....................................................
Schedule HC-B—Continued
Held-to-Maturity
(Column A)
Amortized Cost
(Column B)
Fair Value
(Column C)
Amortized Cost
(Column D)
Fair Value
Dollar Amounts in Thousands
5. Asset-backed securities and structured financial products:
C026 C988 C989 C027
5.a.
HT58 HT59 HT60 HT61
5.b.
a. Asset-backed Securities (ABS) .................................................
b. Structured financial products ....................................................
BHCK
Amount
BHCK
Amount
BHCK
Amount
BHCK
Amount
Available-for-Sale
FR Y-9C
Page 21 of 75
12/2020
FR Y-9C
Page 22 of 75
Schedule HC-B—Continued
Memoranda—
Continued
Held-to-Maturity Available-for-Sale
(Column A)
Amortized Cost
(Column B)
Fair Value
(Column C)
Amortized Cost
(Column D)
Fair Value
Dollar Amounts in Thousands
BHCK
Amount
BHCK
Amount
BHCK
Amount
BHCK
Amount
c. Corporate and similar loans.......................................................
G356 G357 G358 G359
M.6.c.
G360 G361 G362 G363
M.6.d.
G364 G365 G366 G367
M.6.e.
G368 G369 G370 G371
M.6.f.
G372 G373 G374 G375
M.6.g.
G348 G349 G350 G351
M.6.a.
G352 G353 G354 G355
M.6.b.
d. 1–4 family residential MBS issued or guaranteed by U.S.
government-sponsored enterprises (GSEs) ..................................
e. 1–4 family residential MBS not issued or guaranteed by GSEs.........
f. Diversified (mixed) pools of structured financial products................
g. Other collateral or reference assets ............................................
6. Structured financial products by underlying collateral or reference
assets (for each column, sum of Memorandum items 6.a through 6.g
must equal Schedule HC-B, 5.b):
a. Trust preferred securities issued by financial institutions..................
b. Trust preferred securities issued by real estate investment trusts ......
1. For the $10 billion asset-size test for report dates through December 31, 2021, a holding company may use the lesser of the total assets reported in its FR Y-9C report as of
December 31, 2019, or June 30, 2020.
e. Commercial and industrial loans ................................................
B854 B855 B856 B857
M.5.e.
f. Other....................................................................................
B858 B859 B860 B861
M.5.f.
Memorandum items 5.a through 5.f are to be completed by holding
companies with $10 billion or more in total assets.
1
5. Asset-backed securities (ABS) (sum of Memorandum
items 5.a through 5.f must equal Schedule HC-B, item 5.a):
a. Credit card receivables ............................................................
B838 B839 B840 B841
B842 B843 B844 B845
B846 B847 B848 B849
B850 B851 B852 B853
M.5.a.
b. Home equity lines ................................................................... M.5.b.
c. Automobile loans.................................................................... M.5.c.
d. Other consumer loans.............................................................. M.5.d.
03/2021
Memorandum items 6.a through 6.g are to be completed by holding
companies with $10 billion or more in total assets.
1
FR Y-9C
Page 23 of 75
Schedule HC-C—Loans and Lease Financing Receivables
Do not deduct the allowance for loan and lease losses
1
from amounts reported in this schedule. Report (1) loans and leases held for sale
at the lower of cost or fair value, (2) loans and leases held for investment, net of unearned income, and (3) loans and leases accounted
for at fair value under a fair value option. Exclude assets held for trading and commercial paper.
(Column A)
Consolidated
(Column B)
In Domestic Offices
Dollar Amounts in Thousands
BHCK
Amount
BHDM
Amount
1. Loans secured by real estate .......................................................
1410
1.
a. Construction, land development, and other land loans:
BHCK
(1) 1–4 family residential construction loans ................................
F158
1.a.(1)
(2) Other construction loans and all land development and other
land loans ......................................................................
F159
1.a.(2)
BHDM
b. Secured by farmland ..............................................................
1420
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
1.c.(1)
(2) Closed-end loans secured by 1–4 family residential properties:
(a) Secured by first liens .....................................................
5367
1.c.(2)(a)
(b) Secured by junior liens ...................................................
5368
1.c.(2)(b)
d. Secured by multifamily (5 or more) residential properties................
1460
1.d.
e. Secured by nonfarm nonresidential properties:
(1) Loans secured by owner-occupied nonfarm nonresidential
properties .......................................................................
BHCK
F160
1.e.(1)
(2) Loans secured by other nonfarm nonresidential properties.........
F161
1.e.(2)
BHDM
2. Loans to depository institutions and acceptances of other banks.........
1288
2.
a. To U.S. banks and other U.S. depository institutions......................
1292
2.a.
b. To foreign banks ....................................................................
1296
2.b.
3. Loans to finance agricultural production and other loans to farmers .....
1590 1590
3.
4. Commercial and industrial loans...................................................
4.
1766
a. To U.S. addressees (domicile) ..................................................
1763
4.a.
b. To non-U.S. addressees (domicile) ............................................
1764
4.b.
5. Not applicable.
6. Loans to individuals for household, family, and other personal
expenditures (i.e., consumer loans) (includes purchased paper) ........
1975
6.
a. Credit cards
B538
6.a.
b. Other revolving credit plans......................................................
6.c.
K137
c. Automobile loans ...................................................................
B539
6.b.
d. Other consumer loans
(includes single payment, installment, and all student loans) ...........
K207
6.d.
7. Loans to foreign governments and official institutions
(including foreign central banks) ..................................................
2081 2081
7.
8. Not applicable.
c. To U.S. addressees (domicile) and non-U.S. addressees (domicile
)...
KX56
4.c.
03/2021
1. Institutions that have adopted ASU 2016-13 should not deduct the allowance for credit losses on loans and leases or the allocated
transfer risk reserve from amounts reported on this schedule.
2. For the asset-size test for report dates through December 31, 2021, a holding company may use the lesser of the total assets
reported in its FR Y-9C report as of December 31, 2019, or June 30, 2020.
Holding companies with less than $5 billion in total assets should report
data item 4.c and leave data items 4.a and 4.b blank.
2
FR Y-9C
Page 24 of 75
Schedule HC-C—Continued
(Column A)
Consolidated
(Column B)
In Domestic Offices
Dollar Amounts in Thousands
BHCK
Amount
BHDM
Amount
9. Loans to nondepository financial institutions and other loans:
a. Loans to nondepository financial institutions ...............................
J454 J454
9.a.
b. Other loans
(1) Loans for purchasing or carrying securities
(secured or unsecured) .....................................................
1545 1545
9.b.(1)
(2) All other loans (exclude consumer loans)...............................
J451 J451
9.b.(2)
10. Lease financing receivables (net of unearned income) .....................
10.
a. Leases to individuals for household, family, and other personal
expenditures (i.e., consumer leases).........................................
F162
10.a.
b. All other leases.....................................................................
F163
10.b.
03/2021
Holding companies with less than $5 billion in total assets should report
data item 9.b.(3) and leave data items 9.b.(1) and 9.b.(2) blank.
1
(3) Loans for purchasing or carrying securities (secured and
unsecured) and all other loans ............................................
KX57 KX57
9.b.(3)
Holding companies with less than $5 billion in total assets should report
data item 10.c. and should leave data items 10.a. and 10.b. blank.
1
c. Lease finance receivables.......................................................
KX58
10.c.
11. LESS: Any unearned income on loans reflected in items 1–9 above....
2123 2123
11.
12. Total loans and leases held for investment and held for sale (sum of
items 1 through 10 minus item 11)
(total of column A must equal Schedule HC, sum of items 4.a and 4.b)
...
2122 2122
12.
Memoranda
Dollar Amounts in Thousands
(1) To U.S. addressees (domicile)............................................
(2) To non-U.S. addressees (domicile)......................................
K164
M.1.e.(2)
K163
M.1.e.(1)
1. For the asset-size test for report dates through December 31, 2021, a holding company may use the lesser of the total assets
reported in its FR Y-9C report as of December 31, 2019, or June 30, 2020.
a. Construction, land development, and other land loans in domestic offices:
b. Loans secured by 1–4 family residential properties in domestic offices ...........................
c. Secured by multifamily (5 or more) residential properties in domestic offices ....................
d. Secured by nonfarm nonresidential properties in domestic offices:
(1) Loans secured by owner-occupied nonfarm nonresidential properties ........................
(2) Loans secured by other nonfarm nonresidential properties.......................................
e. Commercial and Industrial loans:
(1) 1–4 family residential construction loans ..............................................................
(2) All other construction loans and all land development and other land loans..................
K158
M.1.a.(1)
K159
M.1.a.(2)
K162
M.1.d.(2)
K161
M.1.d.(1)
F576
M.1.b.
K160
M.1.c.
BHCK
Holding companies with less than $5 billion in total assets should report Memo item 1.e.(3)
(semiannually in June and December), and should leave data item 1.e.(1) and 1.e.(2) blank.
1
(3) To U.S. addressees (domicile) and non-U.S
addressees (domicile) ......................................................
KX59
M.1.e.(3)
1. Loans restructured in troubled debt restructurings that are in compliance with their modified
terms (included in Schedule HC-C, and not reported as past due or
nonaccrual in Schedule HC-N, Memorandum item 1):
BHDM
Amount
HC-C memoranda items 1.a.(1) through 1.f.(3)(c) are to be completed semiannually in June and
December by holding companies with less than $5 billion total assets. These items are to be
completed quarterly by holding companies with $5 billion or more in total assets.
1
2165
FR Y-9C
Page 25 of 75
Schedule HC-C—Continued
(Column B)
In Domestic Offices
Dollar Amounts in Thousands
BHCK
Amount
03/2021
f. All other loans (include loans to individuals for household, family, and other personal
expenditures)
.....................................................................................................
Itemize and describe loan categories included in Memorandum item 1.f, above that exceed
10 percent of total loans restructured in troubled debt restructurings that are in compliance
with their modified terms (sum of Memorandum items 1.a through 1.f):
(1) Loans secured by farmland in domestic offices .................................................
(2) Loans to finance agricultural production and other loans to farmers.......................
(3) Loans to individuals for household, family, and other personal expenditures:
(c)
Other consumer loans (includes single payment, installment, all student loans,
and revolving credit plans other than credit cards) .........................................
(b)
Automobile loans ...................................................................................
(a)
Credit cards ..........................................................................................
K168
K203
K204
K098
K166
K165
BHCK
HK25
2746
B837
C391
3. Loans secured by real estate to non-U.S. addressees (domicile)
(included in Schedule HC-C, item 1, column A)...............................................<