Fillable Holding CompaniesFR Y-9C Consolidated Financial Statements for (Federal Reserve Bank)

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Holding CompaniesFR Y-9C Consolidated Financial Statements for (Federal Reserve Bank)

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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
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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).............................................................
M.3.
Memorandum item 4 is to be completed by (1) holding companies with $5 billion or more in total
assets
1
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).
4. Outstanding credit card fees and finance charges
(included in Schedule HC-C, item 6.a, column A) ...........................................................
M.4.
M.2.
M.1.f.(2)
M.1.f.(3)(b)
M.1.f.(3)(c)
M.1.f.(3)(a)
M.1.f.(1)
M.1.f.
g. Total loans restructured in troubled debt restructurings that are in compliance with their
modified terms (sum of Memorandum items 1.a.(1) through 1.f) ....................................
M.1.g.
2. Loans to finance commercial real estate, construction, and land development activities (not
secured by real estate) included in Schedule HC-C, items 4 and 9, column A, above.............
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.
Memoranda—Continued
BHDM
FR Y-9C
Page 26 of 75
Schedule HC-C—Continued
Memoranda—
Continued
Dollar Amounts in Thousands
BHCK
Amount
Memorandum item 5 is to be completed by all holding companies. Memorandum item 5.a and 5.b
are to be completed semiannually in the June and December reports only.
1
5. Purchased credit-impaired loans held for investment accounted for in accordance with FASB
ASC 310-30 (former AICPA Statement of Position 03-3) (exclude loans held for sale):
a. Outstanding balance.............................................................................................
C779
M.5.a.
b. Amount included in Schedule HC-C, items 1 through 9 ................................................
C780
M.5.b.
03/2019
1. Memorandum item 5 is to be completed only by holding companies that have not yet adopted ASU 2016-13.
b. Total maximum remaining amount of negative amortization contractually permitted on
closed-end loans secured by 1–4 family residential properties ......................................
F231
M.6.b.
c. Total amount of negative amortization on closed-end loans secured by 1–4 family
residential properties included in the amount reported in Memorandum item
6.a above ...........................................................................................................
F232
M.6.c.
7.–8. Not applicable.
9. Loans secured by 1–4 family residential properties in domestic offices in process of
foreclosure (included in Schedule HC-C, items 1.c.(1), 1.c.(2)(a), and 1.c.(2)(b)) .................
BHDM
F577
M.9.
10.–11. Not applicable.
6. Closed-end loans with negative amortization features secured by 1–4 family residential
properties in domestic offices:
a. Total amount of closed-end loans with negative amortization features secured
by 1–4 family residential properties (included in Schedule HC-C, items 1.c.(2)(a) and (b)) ..
F230
M.6.a.
M
emorandum item 6.a, 6.b, and 6.c are to be completed semiannually in the June and December
reports only.
Memorandum items 6.b and 6.c are to be completed by holding companies that had
closed-end loans with negative amortization features secured by 1–4 family residential
properties (as reported in Schedule HC-C, Memorandum item 6.a) as of December 31, 2018,
that exceeded the lesser of $100 million or 5 percent of total loans and leases held for
investment and held for sale in domestic offices (as reported in Schedule HC-C, item 12,
column B).
FR Y-9C
Page 27 of 75
Schedule HC-C—Continued
Memoranda—
Continued
(Column A)
Fair value of acquired
loans and leases at
acquisition date
(Column B)
Gross contractual
amounts receivable
at acquisition
(Column C)
Best estimate at
acquisition date of con-
tractual cash flows not
expected to be collected
G093
G096
G099
G102
BHCK
Amount
G378
Dollar Amounts in Thousands
13. Not applicable.
14. Pledged loans and leases ......................................................................................... M.14.
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 only loans held for investment not considered purchased
credit-deteriorated in Memorandum item 12.
Amounts reported in Memorandum items 16.a and 16.b will not be made available to the
public on an individual institution basis.
16. Eligible loan modifications under Section 4013, Temporary Relief from Troubled Debt
Restructurings, of the 2020 Coronavirus Aid, Relief, and Economic Security Act:
a. Number of Section 4013 loans outstanding ...........................................................
b. Outstanding balance of Section 4013 loans...........................................................
LG24
M.16.a.
LG25
M.16.b.
Amount
G091 G092
G094 G095
G097 G098
G100 G101
12. Loans (not subject to the requirements of
FASB ASC 310-30 (former AICPA Statement
of Position 03-3))
2
and leases held for
investment that are acquired in business
combinations with acquisition dates in the
current calendar year:
a.
Loans secured by real estate.................. M.12.a.
b. Commercial and industrial loans ............. M.12.b.
c.
Loans to individuals for household,
family, and other personal expenditures
.....
M.12.c.
d.
All other loans and all leases.................. M.12.d.
BHCK
Amount
BHCK
Amount
Dollar Amounts in Thousands
Memorandum item 12.a, 12.b, 12.c, and 12.d are
to be completed semiannually in the June and
December reports only. Holding companies with
less than $5 billion in total assets should report
Memorandum item 12.e semiannually in June
and December and should leave 12.a, 12.b, 12.c,
and 12.d blank.
1
BHCK
Amount
03/2021
KX62KX60 KX61
e.
Loans and leases.................................
15. Revolving, open-end loans secured by 1–4 family residential properties and extended
under lines of credit in domestic offices that have converted to non-revolving closed-
end status (included in item 1.c.(1) above)................................................................
M.12.e.
Memorandum item 15 is to be completed by all holding companies.
LE75
M.15.
Number
Dollar Amounts in Thousands
BHCM
Amount
3531
3532
3533
BHCK
G379
G380
G381
K198
K197
HT62
G386
F614
F618
HT64
HT63
HT65
G209
G210
G211
F624
3547
BHCT
3548
3541
3543
BHCT
BHCK
3545
5.a.
Assets
1. U.S. Treasury securities................................................................................................ 1.
2.
3. Securities issued by states and political subdivisions in the U.S. ........................................... 3.
4. Mortgage-backed securities (MBS):
a. Residential pass-through securities issued or guaranteed by FNMA, FHLMC, or GNMA......... 4.a.
b. Other residential mortgage-backed securities issued or guaranteed by U.S. Government
agencies or sponsored agencies
2
(include CMOs, REMICs, and stripped MBS ) ...................
4.b.
c. All other residential mortgage-backed securities ............................................................. 4.c.
d.
Commercial MBS issued or guaranteed by U.S. Government agencies or
sponsored agencies
2
................................................................................................
e. All other commercial MBS .........................................................................................
4.e.
4.d.
5. Other debt securities
a. Structured financial products ......................................................................................
b. All other debt securities ............................................................................................. 5.b.
6. Loans:
a. Loans secured by real estate:
6.a.(1)
6.a.(2)
b. Commercial and industrial loans ................................................................................. 6.b.
c. L
oans to individuals for household, family, and other personal expenditures
(i.e., consumer
loans) (includes purchased paper)...........................................................
d. Other loans.............................................................................................................
6.d.
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. 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-spon-
sored agencies include, but are not limited to, such agencies as the Federal Home Loan Mortgage Corporation (FHLMC) and the
Federal National Mortgage Association (FNMA).
(1) Loans secured by 1–4 family residential properties ....................................................
Schedule HC-D—Trading Assets and Liabilities
Schedule HC-D is 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 in any of the four preceding calendar quarters.
FR Y-9C
Page 28 of 75
03/2021
6.c.
Liabilities
13. a. Liability for short positions:
(1) Equity securities.................................................................................................. 13.a.(1)
(2) Debt securities.................................................................................................... 13.a.(2)
(3) All other assets ...................................................................................................
13.a.(3)
b. All other trading liabilities ........................................................................................... 13.b.
14. Derivatives with a negative fair value............................................................................... 14.
15.
7.-8. Not applicable.
9.
11.
12.
9. Other trading assets ....................................................................................................
10. Not applicable.
11. Derivatives with a positive fair value ................................................................................
2.
U.S. government agency obligations (exclude mortgage-backed securities)
.......................................
15. Total trading liabilities (sum of items 13.a through 14)
(total of column A must equal Schedule HC, item 15) ..........................................................
12. Total trading assets (sum of items 1 through 11)
(total of column A must equal Schedule HC, item 5)
(2) All other loans secured by real estate
...........................................................
......................................................................
BHCM
Schedule HC-D—Continued
Memoranda
Dollar Amounts in Thousands
1. Unpaid principal balance of loans measured at fair value (reported in Schedule HC-D,
items 6.a.(1) through 6.d.)
HT66
F632
F636
F639
F640
G299
G332
G333
G334
G335
G651
G652
G387
G388
F643
F644
F645
F646
F647
F648
F652
F653
F654
4. Pledged trading assets:
a. Pledged securities................................................................................................... M.4.a.
b. Pledged loans ........................................................................................................ M.4.b.
a. Trust preferred securities issued by financial institutions..................................................
b.
Trust preferred securities issued by real estate investment trusts
........................................
c. Corporate and similar loans.......................................................................................
d. 1–4 family residential MBS issued or guaranteed by U.S. government-sponsored
enterprises (GSEs)..................................................................................................
e. 1–4 family residential MBS not issued or guaranteed by GSEs.........................................
f. Diversified (mixed) pools of structured financial products.................................................
g. Other collateral or reference assets ............................................................................
M.3.a.
M.3.b.
M.3.c.
M.3.d.
M.3.e.
M.3.f.
M.3.g.
5. Asset-backed securities:
a. Credit card receivables ............................................................................................
M.5.a.
b. Home equity lines ................................................................................................... M.5.b.
c.
Automobile loans .................................................................................................... M.5.c.
d. Other consumer loans.............................................................................................. M.5.d.
e. Commercial and industrial loans ................................................................................ M.5.e.
f. Other.................................................................................................................... M.5.f.
6. Not applicable.
7. Equity securities:
a. Readily determinable fair values ................................................................................ M.7.a.
b. Other.................................................................................................................... M.7.b.
8. Loans pending securitization ........................................................................................
M.8.
3. Structured financial products by underlying collateral or reference assets (for each column,
sum of Memorandum items 3.a through 3.g must equal Schedule HC-D, sum of items 5.a:
BHCK
Amount
HT67
HT68
a. Loans secured by real estate:
b. Commercial and industrial loans ................................................................................
c. Loans to individuals for household, family, and other personal expenditures
(i.e., consumer loans) (includes purchased paper) .........................................................
d. Other loans............................................................................................................
2. Loans measured at fair value that are past due 90 days or more:
a. Fair value ..............................................................................................................
b. Unpaid principal balance ..........................................................................................
M.2.a.
M.2.b.
(1) Loans secured by 1–4 family residential properties ................................................... M.1.a.(1)
M.1.b.
M.1.d.
FR Y-9C
Page 29 of 75
12/2019
Memorandum items 2 through 10 are to be completed by holding companies with $10 billion or
more in total trading assets.
1
M.1.a.(2)
M.1.c.
(2) All other loans secured by real estate .....................................................................
1. The $10 billion trading asset-size test is based on total trading assets reported as of prior year June 30 report date.
F658
F659
F660
10. Other trading liabilities (itemize and describe amounts included in Schedule HC-D, item 13.b
that are greater than $1,000,000 and exceed 25 percent of the item)
a.
BHTX
F658
M.10.a.
b.
BHTX
F659
M.10.b.
c.
BHTX
F660
M.10.c.
Schedule HC-E—Deposit Liabilities
1
Dollar Amounts in Thousands
1. Deposits held in domestic offices of commercial bank subsidiaries of the reporting
holding company:
a. Noninterest-bearing balances
2
...................................................................................
2210
3187
2389
HK29
J474
3189
3187
2389
HK29
J474
BHOD
BHCB
Amount
1.a.
b. Interest-bearing demand deposits, NOW, ATS, and other transaction accounts.................... 1.b.
c Money market deposit accounts and other savings accounts ........................................... 1.c.
d. Time deposits of $250,000 or less .............................................................................. 1.d.
e. Time deposits of more than $250,000 ......................................................................... 1.e.
2. Deposits held in domestic offices of other depository institutions that are subsidiaries of the
reporting holding company:
a. Noninterest-bearing balances
2
...................................................................................
2.a.
b. Interest-bearing demand deposits, NOW, ATS, and other transaction accounts.................... 2.b.
c. Money market deposit accounts and other savings accounts ...........................................
2.c.
d. Time deposits of $250,000 or less .............................................................................. 2.d.
e. Time deposits of more than $250,000 ......................................................................... 2.e.
Memoranda
Dollar Amounts in Thousands
BHDM
Amount
HK06
HK31
HK32
BHFN
A245
1. Brokered deposits $250,000 or less with a remaining maturity of one year or less ...................
M.1.
2. Brokered deposits $250,000 or less with a remaining maturity of more than one year...............
M.2.
3. Time deposits of more than $250,000 with a remaining maturity of one year or less .................
M.3.
4. Foreign office time deposits with a remaining maturity of one year or less..............................
M.4.
1. The sum of items 1.a through 1.e and items 2.a through 2.e must equal the sum of Schedule HC, items 13.a.(1) and 13.a.(2).
2. Includes noninterest-bearing demand, time, and savings deposits.
2. Exclude equity securities.
G212
G213
F655
F656
F657
9. a. (1) Gross fair value of commodity contracts .................................................................. M.9.a.(1)
(2) Gross fair value of physical commodities held in inventory .......................................... M.9.a.(2)
b. Other trading assets (itemize and describe amounts included in Schedule HC-D, item 9,
column A (other than amounts included in Memoranda items 9.a.(1) and 9.a.(2) above) that
are greater than $1,000,000 and exceed 25 percent of item 9 less Memoranda items 9.a.(1)
and 9. a. (2)):
2
(1)
BHTX
F655
M.9.b.(1)
(2)
BHTX
F656
M.9.b.(2)
(3)
BHTX
F657
M.9.b.(3)
Amount
BHCK
FR Y-9C
Page 30 of 75
Schedule HC-D—Continued
Memoranda
—Continued
06/2018
Dollar Amounts in Thousands
FR Y-9C
Page 31 of 75
Schedule HC-F—Other Assets
1
Dollar Amounts in Thousands
BHCK
Amount
B556
2148
1752
K202
K270
K201
2168
BHCT
2160
4. Equity investments without readily determinable fair values
5
.......................................................
4.
5. Life insurance assets:
b. Separate account life insurance assets...............................................................................
5.b.
c. Hybrid account life insurance assets ..................................................................................
5.c.
a. General account life insurance assets ................................................................................
5.a.
6. Other ..............................................................................................................................
6.
7. Total (sum of items 1 through 6) (must equal Schedule HC, item 11) ............................................ 7.
1. Institutions that have adopted ASU 2016-13 should report asset amounts in Schedule HC-F net of any applicable allowance for credit losses.
2. Include accrued interest receivable on loans, leases, debt securities, and other interest-bearing assets. Exclude accrued interest receivables on
interest-bearing assets that are reported elsewhere on the balance sheet.
3. See discussion of deferred income taxes in Glossary entry on "income taxes."
4. Report interest-only strips receivable in the form of a security as available-for-sale securities in Schedule HC, item 2.b, or as trading assets in
Schedule HC, item 5, as appropriate.
5. Include Federal Reserve stock, Federal Home Loan Bank stock, and bankers' bank stock.
Schedule HC-G—Other Liabilities
Dollar Amounts in Thousands
BHCK
Amount
3049
B557
B984
BHCT
2750
1. Not applicable.
2. Net deferred tax liabilities
1
................................................................................................... 2.
3. Allowance for credit losses on off-balance-sheet credit exposures
2
.............................................. 3.
4. Other ..............................................................................................................................
4.
5. Total (sum of items 2 through 4) (must equal Schedule HC, item 20) ............................................ 5.
1. See discussion of deferred income taxes in Glossary entry on "income taxes."
2. Holding companies that have adopted ASU 2016-13 should report in Schedule HC-G, item 3, the allowance for credit losses on those
off-balance sheet credit exposures that fall within the scope of the standard.
Schedule HC-H—Interest Sensitivity
1
Dollar Amounts in Thousands
BHCK
Amount
3197
3296
3298
3408
3409
1. Earning assets that are repriceable within one year or mature within one year ............................... 1.
2. Interest-bearing deposit liabilities that reprice within one year or mature within one year included in
item 13.a.(2) and 13.b.(2) on Schedule HC, Balance Sheet ........................................................
2.
3. Long-term debt that reprices within one year included in items 16 and 19.a on Schedule HC,
Balance Sheet ..................................................................................................................
3.
4. Variable-rate preferred stock (includes both limited-life and perpetual preferred stock)..................... 4.
5. Long-term debt reported in Schedule HC, item 19.a on the Balance Sheet that is scheduled to
mature within one year .......................................................................................................
5.
1. Holding companies with foreign offices have the option of excluding the smallest of such non-U.S. offices from coverage in this schedule. Such
holding companies may omit the smallest of their offices in foreign countries when arrayed by total assets provided that the assets of the
excluded offices do not exceed 50 percent of the total assets of the holding company's assets in foreign countries and 10 percent of the holding
company's total consolidated assets as of the report date.
HT80
1. Accrued interest receivable
2
................................................................................................
1.
2. Net deferred tax assets
3
.....................................................................................................
2.
3. Interest-only strips receivable (not in the form of a security)
4
...................................................... 3.
12/2019
FR Y-9C
Page 32 of 75
Schedule HC-I—Insurance-Related Underwriting Activities (Including Reinsurance)
Schedule HC-I must be completed by all top-tier holding companies. (See instructions for additional information.)
I . Property and Casualty Underwriting
Dollar Amounts in Thousands
BHCK
Amount
Assets
B988
1.
C244
2.
Liabilities
3. Claims and claims adjustment expense reserves......................................................................
B990
3.
4. Unearned premiums...........................................................................................................
B991
4.
5. Total equity.......................................................................................................................
C245
5.
6. Net income.......................................................................................................................
C246
6.
II. Life and Health Underwriting
Dollar Amounts in Thousands
BHCK
Amount
Assets
1. Reinsurance recoverables...................................................................................................
C247
1.
2. Separate account assets.....................................................................................................
B992
2.
3. Total assets......................................................................................................................
C248
3.
Liabilities
4. Policyholder benefits and contractholder funds ........................................................................
B994
4.
5. Separate account liabilities ..................................................................................................
B996
5.
6. Total equity.......................................................................................................................
C249
6.
7. Net income ......................................................................................................................
C250
7.
1. Reinsurance recoverables ...................................................................................................
2. Total assets ......................................................................................................................
Item 1 is to be completed by holding companies with $10,000,000 or more in reinsurance recoverables as of the effective date
each quarter.
09/2016
Item 1 is to be completed by holding companies with $10,000,000 or more in reinsurance recoverables as of the effective date
each quarter.
FR Y-9C
Page 33 of 75
Schedule HC-K—Quarterly Averages
Dollar Amounts in Thousands
BHCK
Amount
Assets
BHDM
2. Federal funds sold and securities purchased under agreements to resell ............................
3. a. Total loans and leases in domestic offices .................................................................
(1) Loans secured by 1–4 family residential properties.................................................
(5) Loans to individuals for household, family, and other personal expenditures:
(a) Credit cards ..............................................................................................
(b) Other (includes single payment, installment other than auto loans, all student loans,
and revolving credit plans other than credit cards...............................................
(4) Commercial and industrial loans ........................................................................
(3) Loans to finance agricultural production and other loans to farmers............................
(2) All other loans secured by real estate...................................................................
B560
1.c.
3365
2.
3516
3.a.
3387
3.a.(4)
B561
3.a.(5)(a)
B562
3.a.(5)(b)
3386
3.a.(3)
3466
3.a.(2)
3465
3.a.(1)
BHFN
b. Total loans and leases in foreign offices, Edge and agreement subsidiaries, and IBFs..........
3360
3.b.
BHCK
4. a. Trading assets.....................................................................................................
3401
4.a.
B985
4.b.
3368
5.
3517
6.
3404
7.
3353
8.
2635
9.
3519
11.
b. Other earning assets ............................................................................................
5. Total consolidated assets
4
.........................................................................................
Liabilities
6. Interest-bearing deposits (domestic)
5
...........................................................................
7. Interest-bearing deposits (foreign)
5
..............................................................................
8. Federal funds purchased and securities sold under agreements to repurchase ....................
9.
All other borrowed money .........................................................................................
10. Not applicable.
Equity Capital
11. Total equity capital (excludes limited-life preferred stock) .................................................
1. Quarterly averages for all debt securities should be based on amortized cost.
2. Quarterly averages for equity securities with readily determinable fair values should be based on fair value.
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.
4. The quarterly average for total assets should reflect securities not held for trading as follows:
a) Debt securities at amortized cost.
b) Equity securities with readily determinable fair values should be reported at fair value.
c) Equity investments without readily determinable fair values should be reported at their balance sheet carrying values (i.e., fair value
or, if elected, cost minus impairment, if any, plus or minus changes resulting from observable price changes).
5. Includes interest-bearing demand deposits.
Item 4(a) is to be completed by holding companies with $5 billion or more in total assets and total
trading assets of $10 million or more in any of the four preceding calendar quarters.
3
1. Securities:
a. U.S. Treasury securities and U.S. government agency obligations
(excluding mortgage-backed securities)
1
...................................................................
B558
1.a.
b. Mortgage-backed securities
1
...................................................................................
B559
1.b.
c.
All other debt securities
1
and equity securities with readily determinable fair values not held
for trading
2
..........................................................................................................
03/2021
FR Y-9C
Page 34 of 75
Report only transactions with nonrelated institutions
Schedule HC-L—Derivatives and Off-Balance-Sheet Items
Dollar Amounts in Thousands
BHCK
Amount
1. Unused commitments (report only the unused portions of commitments that are fee paid or
otherwise legally binding):
a. Revolving, open-end loans secured by 1–4 family residential properties, (e.g., home equity lines) ..
3814
1.a.
b. (1) Unused consumer credit card lines......................................................................
J455
1.b.(1)
(2) Other unused credit card lines ............................................................................
J456
1.b.(2)
c. (1)
Commitments to fund commercial real estate, construction, and land development loans
secured by real estate (sum of items 1.c.(1)(a) and (b) must equal item 1.c.(1)) ...............
3816
1.c.(1)
(a) 1–4 family residential construction loan commitments ........
F164
1.c.(1)(a)
(b) Commercial real estate, other construction loan, and land
development loan commitments ....................................
F165
1.c.(1)(b)
(2) Commitments to fund commercial real estate, construction, and land development loans
NOT secured by real estate ................................................................................
6550
1.c.(2)
d. Securities underwriting ...........................................................................................
3817
1.d.
e. Other unused commitments:
(1) Commercial and industrial loans .........................................................................
J457
1.e.(1)
(2) Loans to financial institutions .............................................................................
J458
1.e.(2)
(3) All other unused commitments ............................................................................
J459
1.e.(3)
2. Financial standby letters of credit and foreign office guarantees ..........................................
6566
2.
Item 2.a is to be completed by holding companies with $5 billion or more in total assets.
1
a. Amount of financial standby letters of credit conveyed to others .....................................
3820
2.a.
3. Performance standby letters of credit and foreign office guarantees.....................................
6570
3.
Item 3.a is to be completed by holding companies with $5 billion or more in total assets.
1
a. Amount of performance standby letters of credit conveyed to others ................................
3822
3.a.
4. Commercial and similar letters of credit..........................................................................
3411
4.
5. Not applicable.
6. Securities:
7. Credit derivatives:
a. Notional amounts:
(1) Credit default swaps .........................................................
(Column A)
Sold Protection
BHCK
Amount
C968
(Column B)
Purchased Protection
BHCK
Amount
C969
7.a.(1)
(2) Total return swaps............................................................
C970 C971
7.a.(2)
(3) Credit options..................................................................
C972 C973
7.a.(3)
(4) Other credit derivatives .....................................................
C974 C975
7.a.(4)
b. Gross fair values:
(1) Gross positive fair value ....................................................
C219 C221
7.b.(1)
(2) Gross negative fair value ...................................................
C220 C222
7.b.(2)
1. For the $5 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.
a. Securities lent ......................................................................................................
3433
6.a.
b. Securities borrowed...............................................................................................
3432
6.b.
Item 1(d) is to be completed by holding companies with $5 billion or more in total assets.
1
Items 7.a. through 7.d.(2)(b) are to be reported by holding companies with $5 billion or more in total assets.
1
03/2021
For Federal Reserve Bank Use Only
C.I.
1.b.(1) and 1.b.(2) are to be completed by holding companies with $5 billion or more in total
assets
1
semiannually in the June and December reports only.
FR Y-9C
Page 35 of 75
Report only transactions with nonrelated institutions
Schedule HC-L—Continued
Remaining Maturity of:
(Column A)
One year or less
(Column B)
Over One Year Through
Five Years
(Column C)
Over Five Years
Dollar Amounts in Thousands
BHCK
Amount
BHCK
Amount
BHCK
Amount
d. Notional amounts by remaining maturity:
(1)
Sold credit protection:
2
(a) Investment grade ........................
G406 G407 G408
7.d.(1)(a)
(b) Subinvestment grade...................
G409 G410 G411
7.d.(1)(b)
(2)
Purchased credit protection:
3
(a) Investment grade ........................
G412 G413 G414
7.d.(2)(a)
(b) Subinvestment grade...................
G415 G416 G417
7.d.(2)(b)
BHCK
Amount
8. Spot foreign exchange contracts...................................................................................
8765
8.
9. All other off-balance-sheet items (exclude derivatives) (include in item 9 the aggregate
amount all other off-balance-sheet items that individually exceed 10 percent of Schedule HC,
item 27.a, "Total holding company equity capital") (itemize and describe in items 9.a
through 9.f only amounts that exceed 25 percent of Schedule HC, item 27.a).........................
3430
9.
9.a.
9.b.
a. Commitments to purchase when-issued securities .......................................................
3434
b. Commitments to sell when-issued securities ...............................................................
3435
c.
TEXT
6561
6561
9.c.
d.
TEXT
6562
6562
9.d.
e.
TEXT
6568
6568
9.e.
f.
TEXT
6586
6586
9.f.
10. Not applicable.
7. c. Notional amounts by regulatory capital treatment:
1
(1) Positions covered under the Market Risk Rule:
(a) Sold protection ...........................................................................................
G401
7.c.(1)(a)
(b) Purchased protection...................................................................................
G402
7.c.(1)(b)
(2) All other positions:
(a)
Sold protection ...........................................................................................
G403
7.c.(2)(a)
(b)
Purchased protection that is recognized as a guarantee for regulatory capital
purposes....................................................................................................
G404
7.c.(2)(b)
(c) Purchased protection that is not recognized as a guarantee for regulatory capital
purposes....................................................................................................
G405
7.c.(2)(c)
Item 8 is to be completed by holding companies with foreign offices and by holding companies
with domestic offices only and $100 billion or more in total consolidated assets.
4
BHCK
Amount
Dollar Amounts in Thousands
1. Sum of items 7.c.(1)(a) and 7.c.(2)(a), must equal sum of items 7.a.(1) through (4), column A.
Sum of items 7.c.(1)(b), 7.c.(2)(b), and 7.c.(2)(c) must equal sum of items 7.a.(1) through (4), column B.
2. Sum of items 7.d.(1)(a) and (b), columns A through C, must equal sum of items 7.a.(1) through (4), column A.
3. Sum of items 7.d.(2)(a) and (b), columns A through C, must equal sum of items 7.a.(1) through (4), column B.
4. The $100 billion asset-size test is based on the total assets reported as of prior year June 30 report date.
12/2019
FR Y-9C
Page 36 of 75
Schedule HC-L—Continued
Dollar Amounts in Thousands
(Column A)
Interest Rate
Contracts
(Column B)
Foreign Exchange
Contracts
(Column C)
Equity Derivative
Contracts
(Column D)
Commodity and
Other Contracts
Derivatives Position Indicators
Amount Amount Amount Amount
11. Gross amounts (e.g.,
notional amounts) (for each
column, sum of items 11.a
through 11.e must equal
sum of items 12 and 13):
a. Futures contracts.......
BHCK 8693 BHCK 8694 BHCK 8695 BHCK 8696
11.a.
b.
Forward contracts ......
BHCK 8697 BHCK 8698 BHCK 8699 BHCK 8700
11.b.
c. Exchange-traded
option contracts:
(1) Written options.....
BHCK 8701 BHCK 8702 BHCK 8703 BHCK 8704
11.c.(1)
(2)
Purchased options
..
BHCK 8705 BHCK 8706 BHCK 8707 BHCK 8708
11.c.(2)
d.
Over-the-counter
option contracts:
(1) Written options.....
BHCK 8709 BHCK 8710 BHCK 8711 BHCK 8712
11.d.(1)
(2)
Purchased options
..
BHCK 8713 BHCK 8714 BHCK 8715 BHCK 8716
11.d.(2)
e.
Swaps .....................
BHCK 3450 BHCK 3826 BHCK 8719 BHCK 8720
11.e.
12.
Total gross notional
amount of derivative con-
tracts held for trading......
BHCK A126 BHCK A127 BHCK 8723 BHCK 8724
12.
13. Total gross notional
amount of derivative con-
tracts held for purposes
other than trading ...........
BHCK 8725 BHCK 8726 BHCK 8727 BHCK 8728
13.
14. Gross fair values of deriv-
ative contracts:
a. Contracts held for
trading:
(1) Gross positive fair
value ..................
BHCK 8733 BHCK 8734 BHCK 8735 BHCK 8736
14.a.(1)
(2) Gross negative fair
value ..................
BHCK 8737 BHCK 8738 BHCK 8739 BHCK 8740
14.a.(2)
b. Contracts held for pur-
poses other than
trading:
(1) Gross positive fair
value ..................
BHCK 8741 BHCK 8742 BHCK 8743 BHCK 8744
14.b.(1)
(2) Gross negative fair
value ..................
BHCK 8745 BHCK 8746 BHCK 8747 BHCK 8748
14.b.(2)
03/2021
Items 11.a. through 14.b.(2)
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.
FR Y-9C
Page 37 of 75
Schedule HC-L—Continued
Item 15 is to be completed only by holding com-
panies with total assets of $10 billion or more.
1
G440 G441 G442
15.b.(4)
G438
G460 G461 G462
15.b.(8)
G458
(5) Corporate bonds............................
G445 G446 G447
15.b.(5)
(6) Equity securities ............................
G450 G451 G452
15.b.(6)
(7)
All other collateral ..........................
G455 G456 G457
15.b.(7)
G443
G448
G453
15. Over-the-counter derivatives:
a. Net current credit exposure ...................
G420 G421 G422
15.a.
b. Fair value of collateral:
(1) Cash–U.S. dollar ...........................
G425 G426 G427
15.b.(1)
(2) Cash–Other currencies ...................
G430 G431 G432
15.b.(2)
(3) U.S. Treasury securities ..................
G435 G436 G437
15.b.(3)
(4) U.S. government agency and U.S.
government-sponsored agency
debt securities...............................
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.
(Column C)
Hedge Funds
(Column D)
Sovereign Governments
(Column E)
Corporations and
All Other Counterparties
Dollar Amounts in Thousands
BHCK
Amount
BHCK
Amount
BHCK
Amount
03/2021
(Column A)
Banks and Securities
Firms
BHCK
Amount
G418
G423
G428
G433
(8) Total fair value of collateral (sum of
items 15.b.(1) through (7)) ...............
(Column B)
Not applicable
BHDM
b. Other real estate owned (included in Schedule HC, item 7):
(5) Nonfarm nonresidential properties in domestic offices........................................
(4) Multifamily (5 or more) residential properties in domestic offices...........................
(3) 1–4 family residential properties in domestic offices ..........................................
(2) Farmland in domestic offices ........................................................................
(1) Construction, land development, and other land in domestic offices......................
K187
6.b.(1)
K191
6.b.(5)
K190
6.b.(4)
K189
6.b.(3)
K188
6.b.(2)
(5)
All other loans and leases ............................................................................
K183
6.a.(5)
BHCK
a. Loans and leases (included in Schedule HC, items 4.a and 4.b):
(1) Loans secured by real estate in domestic offices:
(2) Loans secured by other nonfarm nonresidential properties .......................
(1) Loans secured by owner-occupied nonfarm nonresidential properties.........
(e) Secured by nonfarm nonresidential properties:
(d) Secured by multifamily (5 or more) residential properties...............................
(b) Secured by junior liens.................................................................
(a) Secured by first liens ...................................................................
(2) Closed-end loans 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.............................................................
(c) Secured by 1–4 family residential properties:
(b) Secured by farmland .............................................................................
(2) Other construction loans and all land development and other land loans .....
(1) 1–4 family residential construction loans...............................................
(a) Construction, land development, and other land loans:
K169
6.a.(1)(a)(1)
K170
6.a.(1)(a)(2)
K171
6.a.(1)(b)
K172
6.a.(1)(c)(1)
K173
6.a.(1)(c)(2)(a)
K175
6.a.(1)(d)
K174
6.a.(1)(c)(2)(b)
K177
6.a.(1)(e)(2)
K176
6.a.(1)(e)(1)
BHDM
(2)-(4) Not applicable.
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.
Schedule HC-M—Memoranda
Dollar Amounts in Thousands
BHCK
Amount
1. Total number of holding company common shares
outstanding .....................................................................
Number (Unrounded)
3459
1.
2. Debt maturing in one year or less (included in Schedule HC, items 16 and 19.a) that is
issued to unrelated third parties by bank subsidiaries..................................................
6555
2.
3. Debt maturing in more than one year (included in Schedule HC, items 16 and 19.a) that is
issued to unrelated third parties by bank subsidiaries..................................................
6556
3.
4. Other assets acquired in satisfaction of debts previously contracted...............................
6557
4.
5. Securities purchased under agreements to resell offset against securities sold under
agreements to repurchase on Schedule HC..............................................................
A288
5.
6. Assets covered by loss-sharing agreements with the FDIC:
FR Y-9C
Page 38 of 75
03/2021
Items 6.a.(1)(a)(1) though 6.d. are to be completed by holding companies with $5 billion
or more in total assets.
1
K193
a.
Total assets of captive insurance subsidiaries
1
..............................................................
7. Captive insurance and reinsurance subsidiaries:
8.
Has the holding company entered into a business combination during the calendar year that was
accounted for by the purchase method of accounting? (Enter ''1'' for Yes; enter ''0'' for No.) ...............
BHCK
C251
8.
9.
Has the holding company restated its financial statements during the last quarter as a result of new or
revised Statements of Financial Accounting Standards? (Enter ''1'' for Yes; enter ''0'' for No.) .............
BHCK
6689
9.
10.
Not applicable.
11. Have all changes in investments and activities been reported to the Federal Reserve on the Report of
Changes in Organizational Structure (FR Y-10)? Holding companies must not leave blank or enter
"N/A." The holding company must enter "1" for yes or for no changes to report; or enter "0" for no.
If the answer to this question is no, complete the FR Y-10...........................................................
BHCK
6416
11.
TEXT
6428
Name of Holding Company Official Verifying FR Y-10 Reporting (Please Type or Print) Area Code / Phone Number (TEXT 9009)
12. Intangible assets:
BHCK
Amount
a. Mortgage servicing assets .......................................................................................
3164
12.a.
(1) Estimated fair value of mortgage servicing assets....................
6438
12.a.(1)
b. Goodwill...............................................................................................................
3163
12.b.
c.
All other intangible assets........................................................................................
JF76
12.c.
BHCT
d. Total (sum of items 12.a, 12.b, and 12.c) (must equal Schedule HC, item 10) .....................
2143
12.d.
13. Other real estate owned...............................................................................................
2150
13.
14. Other borrowed money:
BHCK
a. Commercial paper..................................................................................................
2309
14.a.
b. Other borrowed money with a remaining maturity of one year or less ................................
2332
14.b.
c. Other borrowed money with a remaining maturity of more than one year ...........................
2333
14.c.
d. Total (sum of items 14.a, 14.b, and 14.c) (must equal Schedule HC, item 16) .....................
BHCT
3190
14.d.
15. Does the holding company sell private label or third-party mutual funds and annuities?
(Enter ''1'' for Yes; enter ''0" for No.) .......................................................................................
BHCK
B569
15.
16.
Assets under management in proprietary mutual funds and annuities....................................
BHCK
Amount
B570
16.
K194
7.b.
7.a.
b.
Total assets of captive reinsurance subsidiaries
1
...........................................................
1. Report total assets before eliminating intercompany transactions between the consolidated insurance or reinsurance subsidiary and other
offices or consolidated subsidiaries of the reporting holding company.
0=No
1=Yes
0=No
1=Yes
0=No
1=Yes
0=No
1=Yes
Schedule HC-M—Continued
c.
Debt securities (included in Schedule HC, items 2.a and 2.b) ...........................................
J461
6.c.
d.
Other assets (exclude FDIC loss-sharing indemnification assets)......................................
J462
6.d.
Dollar Amounts in Thousands
BHFN
Amount
BHCK
6. b. (6) In foreign offices ................................................................................................
(7)
Portion of covered other real estate owned included in items 6.b.(1) through (6) above that
is protected by FDIC loss-sharing agreements .........................................................
K260
6.b.(6)
K192
6.b.(7)
FR Y-9C
Page 39 of 75
09/2018
Items 7.a and 7.b are to be completed annually in the December report only.
FR Y-9C
Page 40 of 75
Schedule HC-M—Continued
If the answer to both item 17 and item 18 is yes, your organization must complete the FR Y-12. Skip
items 19.a and 19.b and proceed to item 20 below.
If the answer to either item 17 or item 18 is no, your organization does not need to complete the FR
Y-12. Proceed to items 19.a. and 19.b. below.
Items 19.a. and 19.b. are to be completed by all holding companies that are not required to file
the FR Y-12.
19. a. Has the holding company sold or otherwise liquidated its holding of any nonfinancial equity
investment since the previous reporting period? (Enter ''1'' for Yes; enter ''0'' for No.)....................
BHCK
C700
19.a.
b. Does the holding company manage any nonfinancial equity investments for the benefit of others?
(Enter "1" for Yes; enter "0" for No.) ...................................................................................
C701
19.b.
Memoranda items 20 and 21 are to be completed only by holding companies who have made an
effective election to become a financial holding company. See the line item instructions for further
details.
Dollar Amounts in Thousands
BHCK
Amount
20. Balances of broker-dealer subsidiaries engaged in underwriting or dealing securities
pursuant to Section 4(k)(4)(E) of the Bank Holding Company Act as amended by the
Gramm-Leach-Bliley Act:
a. Net assets ............................................................................................................
C252
20.a.
b. Balances due from related institutions:
(1) Due from the holding company (parent company only), gross.....................................
4832
20.b.(1)
(2) Due from subsidiary banks of the holding company, gross .........................................
4833
20.b.(2)
(3) Due from nonbank subsidiaries of the holding company, gross ...................................
4834
20.b.(3)
c. Balances due to related institutions:
(1) Due to holding company (parent company only), gross .............................................
5041
20.c.(1)
(2) Due to subsidiary banks of the holding company, gross.............................................
5043
20.c.(2)
(3) Due to nonbank subsidiaries of the holding company, gross ......................................
5045
20.c.(3)
d. Intercompany liabilities reported in items 20.c.(1), 20.c.(2), and 20.c.(3) above that qualify
as liabilities subordinated to claims of general creditors .................................................
5047
20.d.
21. Net assets of subsidiaries engaged in insurance or reinsurance underwriting pursuant to
Section 4(k)(4)(B) of the Bank Holding Company Act as amended by the Gramm-
Leach-Bliley Act (12 U.S.C.
§
1843(k)(4)(B))
1
...................................................................
C253
21.
If the answer to item 17 is no, your organization does not need to complete the FR Y-12. Skip item 18
and proceed to items 19.a and 19.b below. If the answer to item 17 is yes, proceed to item 18.
18. Do your aggregate nonfinancial equity investments (see instructions for definition) equal or exceed the
lesser of $100 million (on an acquisition cost basis) or 10 percent of the holding company's
consolidated Tier 1 capital as of the report date? (Enter ''1'' for Yes; enter ''0'' for No.).......................
BHCK
C159
18.
The following two questions (items 17 and 18) will be used to determine if the reporting holding company
must complete the Consolidated Holding Company Report of Equity Investments in Nonfinancial
Companies (FR Y-12). See the line item instructions for further details.
17. Does the holding company hold, either directly or indirectly through a subsidiary or affiliate, any non-
financial equity investments (see instructions for definition) within a Small Business Investment
Company (SBIC) structure, or under section 4(c)(6) or 4 (c)(7) of the Bank Holding Company Act, or
pursuant to the merchant banking authority of section 4(k)4(H) of the Bank Holding Company Act, or
pursuant to the investment authority granted by Regulation K? (Enter ''1'' for Yes; enter ''0'' for No.) ...
BHCK
C161
17.
0=No
1=Yes
0=No
1=Yes
0=No
1=Yes
0=No
1=Yes
1. A savings and loan holding company that wishes to engage in financial holding company activities must have an effective election to be treated as
a financial holding company or conducts activities under section 10(c)(2)(H)(i) of the HOLA (12 U.S.C. 1467a(c)(2)(H)(i)).
03/2013
Memoranda items 23 through 25 are to be completed by all holding companies.
Dollar Amounts in Thousands
BHCK
Amount
23. Secured liabilities:
a. Amount of "Federal funds purchased in domestic offices" that are secured
(included in Schedule HC, item 14.a) ............................................................................
F064
23.a.
b. Amount of "Other borrowings" that are secured (included in Schedule HC-M, item 14.d) ..........
F065
23.b.
24. Issuances associated with the U.S. Department of Treasury Capital Purchase Program:
a. Senior perpetual preferred stock or similar items .............................................................
G234
24.a.
b. Warrants to purchase common stock or similar items........................................................
G235
24.b.
Schedule HC-M—Continued
Memoranda item 22 is to be completed by holding companies with total assets of $30 billion or more.
22. Address (URL) for the reporting holding company's web page that displays risk disclosures, including those about credit
and market risk. (Example: www.examplebhc.com/riskdisclosures)
http://
22.
TEXT
C497
06/2020
FR Y-9C
Page 41 of 75
25. U.S. Small Business Administration Paycheck Protection Program (PPP) loans
1
and the
Federal Reserve PPP Liquidity Facility (PPPLF):
a. Number of PPP loans outstanding.............................................................................
LG26
25.a.
b. Outstanding balance of PPP loans ............................................................................
c. Outstanding balance of PPP loans pledged to the PPPLF.............................................
d. Quarterly average amount of PPP loans pledged to the PPPLF and excluded from
“Total assets for the leverage ratio” reported in Schedule HC-R, Part I, item 30 ..............
LG27
25.b.
1. Paycheck Protection Program (PPP) covered loans as defined in section 7(a)(36) of the Small Business Act (15 U.S.C. 636(a)(36)).
The PPP was established by Section 1102 of the 2020 Coronavirus Aid, Relief, and Economic Security Act.
LG28
25.c.
LL57
25.d.
Amount
Number
FR Y-9C
Page 42 of 75
Schedule HC-N—Past Due and Nonaccrual Loans,
Leases, and Other Assets
(Column A)
Past due
30 through 89 days
and still accruing
(Column B)
Past due
90 days or more
and still accruing
(Column C)
Nonaccrual
Dollar Amounts in Thousands
BHCK
Amount
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
..
F172 F174 F176
1.a.(1)
(2) Other construction loans and all land
development and other land loans ......
F173 F175 F177
1.a.(2)
b. Secured by farmland in domestic offices....
3493 3494 3495
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 ............
5398 5399 5400
1.c.(1)
(2) Closed-end loans secured by 1–4
family residential properties:
(a) Secured by first liens ..................
C236 C237 C229
1.c.(2)(a)
(b) Secured by junior liens................
C238 C239 C230
1.c.(2)(b)
d. Secured by multifamily (5 or more)
residential properties in domestic offices....
3499 3500 3501
1.d.
e. Secured by nonfarm nonresidential
properties in domestic offices:
(1) Loans secured by owner-occupied
nonfarm non-residential properties......
F178 F180 F182
1.e.(1)
(2) Loans secured by other nonfarm
nonresidential properties...................
F179 F181 F183
1.e.(2)
f. In foreign offices...................................
B572 B573 B574
1.f.
2. Loans to depository institutions and
acceptances of other banks:
a. U.S. banks and other U.S. depository
institutions...........................................
5377 5378 5379
2.a.
b. Foreign banks ......................................
5380 5381 5382
2.b.
3. Loans to finance agricultural production and
other loans to farmers................................
1594 1597 1583
3.
4. Commercial and industrial loans .................
1606 1607 1608
4.
5. L
oans to individuals for household, family, and
other personal expenditures:
a. Credit cards ........................................
B575 B576 B577
5.a.
b. Automobile loans..................................
K213 K214 K215
5.b.
K216 K217 K218
5.c.
6. Loans to foreign
governments and official institutions .............
5389 5390 5391
6.
7. All other loans..........................................
5459 5460 5461
7.
c. Other
consumer loans (includes single
payment, installment, all student loans, and
r
evolving credit plans other than credit cards)
..
12/2019
For Federal Reserve Bank Use Only
C.I.
Amounts reported by loan and lease category in Schedule HC-N, items 1 through 8, above include guaranteed and unguaranteed
portions of past due and nonaccrual loans and leases. Report in items 11 and 12 below certain guaranteed loans and leases that have
already been included in the amounts reported in items 1 through 8.
Schedule HC-N—Continued
FR Y-9C
Page 43 of 75
03/2021
(Column A)
Past due
30 through 89 days
and still accruing
(Column B)
Past due
90 days or more
and still accruing
(Column C)
Nonaccrual
Dollar Amounts in Thousands
BHCK
Amount
BHCK
Amount
BHCK
Amount
Holding companies with less than $5 billion in total
assets are to report data item 8.c columns A, B
and C and should leave data items 8.a and 8.b
columns A, B and C blank.
1
8. Lease financing receivables:
a. Leases to individuals for household, family,
and other personal expenditures..............
F166 F167 F168
8.a.
b. All other leases ....................................
F169 F170 F171
8.b.
9. Total loans and leases (sum of items 1 through 8.b)
2
..
1406 1407 1403
9.
c. Lease finance receivables .......................
KX63 KX64 KX65
8.c.
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 holding companies with less than $5 billion in total assets, Total loans and leases (sum of items 1 through 7 plus 8c.)
a. Guaranteed portion of loans and leases
(exclude rebooked "GNMA loans") included
in item 11 above ...................................
11. Loans and leases reported in items 1 through
8 above which are wholly or parti-ally
guaranteed by the U.S.Government
(excluding loans and leases covered by loss-
sharing agreements with the FDIC) ..............
K036 K037 K038
11.
K039 K040 K041
11.a.
K042 K043 K044
11.b.
3505 3506 3507
10.
b. Rebooked "GNMA loans" that have
been repurchased or are eligible for
repurchase included in item 11 above .......
10. Debt securities and other assets (exclude
other real estate owned and other
repossessed assets) .................................
12. Loans and leases in items 1 through 8
above which are covered by
loss-sharing agreements with the FDIC
(items 12(a)(1)(a) through 12(f) are to be
reported by holding companies with $5
billion or more in total assets):
1
(a) 1–4 family residential
construction loans ........................
a. Loans secured by real estate in
domestic offices:
K045 K046 K047
12.a.(1)(a)
K048 K049 K050
12.a.(1)(b)
K051 K052 K053
12.a.(2)
BHDM BHDMBHDM
(1)
Construction, land development,
and other land loans:
(2) Secured by farmland..........................
(b) Other construction loans and
all land development and
other land loans ..........................
b.–d. Not applicable.
(4) Secured by multifamily (5 or
more) residential properties ............
(5) Secured by nonfarm
nonresidential properties:
(3) Secured by 1–4 family residential
properties:
(a) Revolving, open-end loans
secured by 1–4 family residential
properties and extended under
lines of credit..........................
(b) Closed-end loans secured by
1–4 family residential properties:
(1) Secured by first liens ............
(2) Secured by junior liens..........
(a)
Loans secured by owner-
occupied nonfarm nonresidential
properties ...............................
(b)
L
oans secured by other non-farm
nonresidential properties............
K054
12.a.(4)
K066
12.a.(5)(b)
K071K070K069
K067 K068
12.a.(5)(a)
K055 K056
12.a.(3)(a)
K057 K058 K059
12.a.(3)(b)(1)
K060 K061 K062
12.a.(3)(b)(2)
K065K064K063
Schedule HC-N—Continued
(Column A)
Past due
30 through 89 days
and still accruing
(Column B)
Past due
90 days or more
and still accruing
(Column C)
Nonaccrual
Dollar Amounts in Thousands
BHDM
Amount
BHDM
Amount
BHDM
Amount
FR Y-9C
Page 44 of 75
12/2019
12. Loans and leases in items 1 through 8
above which are covered by
loss-sharing agreements with the FDIC
(items 12(a)(1)(a) through 12(f) are to be
reported by holding companies with $5
billion or more in total assets) (continued):
f. Portion of covered loans and leases
included in items 12.a through 12.e
above that is protected by FDIC loss-
sharing agreements ...............................
K102 K103 K104
12.f.
12. e. All other loans and leases ........................
K087 K088 K089
12.e.
Schedule HC-N—Continued
(Column A)
Past due
30 through 89 days
and still accruing
(Column B)
Past due
90 days or more
and still accruing
(Column C)
Nonaccrual
Dollar Amounts in Thousands
BHCK
Amount
BHCK
Amount
BHCK
Amount
FR Y-9C
Page 45 of 75
03/2021
b. Loans secured by 1–4 family residential
properties in domestic offices....................
c. Secured by multifamily (5 or more) resi-
dential properties in domestic offices ..........
K105 K106
(1)
1
–4 family residential construction loans
..
K108 K109
BHCK BHCK BHCK
M.1.a.(2)
M.1.c.
F661 F662 F663
BHDM BHDM BHDM
M.1.b.
(2) Other construction loans and all land
development and other land loans .........
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 .....................
M.1.d.(1)
K117 K118 K119
M.1.d.(2)
K111
K112 K113
K114 K115 K116
K107
K110
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:
M.1.a.(1)
Memoranda
Dollar Amounts in Thousands
BHDM
Amount
BHDM
Amount
BHDM
Amount
1. Loans restructured in troubled debt
restructurings included in Schedule HC-N,
items 1 through 7, above (and not reported in
Schedule HC-C, Memorandum item 1):
Memoranda items 1.a.(1) through 1.d.(2) and 1.e.
(3) through 1.f.(3)(c) are to be completed semi-
annually in June and December by holding compa-
nies with less than $5 billion in total assets.
1
Schedule HC-N—Continued
Memoranda–
Continued
FR Y-9C
Page 46 of 75
(a) Credit cards ...............................
(b) Automobile loan ..........................
(c)
Other consumer loans (includes
single payment, installment, all
student loans, and revolving credit
plans other than credit cards ..........
K274 K275 K276
M.1.f.(3)(a)
K277 K278 K279
M.1.f.(3)(b)
K280 K281 K282
M.1.f.(3)(c)
2. Loans to finance commercial real estate,
construction, and land development activities
(not secured by real estate) included in
Schedule HC-N, items 4 and 7 above..........
6558 6559 6560
M.2.
3. Loans and leases included in Schedule
HC-N, items 1, 2, 4, 5, 6, 7, and 8 extended
to non-U.S. addressees ...........................
3508 1912 1913
M.3.
4. Not applicable.
5. Loans and leases held-for-sale (included in
Schedule HC-N, items 1 through 8 above) ...
C240 C241 C226
M.5.
(2) L
oans to finance agricultural production
and other loans to farmers.................
(3) Loans to individuals for household,
family, and other personal expenditures:
K138 K139 K140
M.1.f.(2)
f. All other loans (include loans to individuals
for household, family, and other personal
expenditures) ......................................
Itemize and describe loan categories
included in item 1.f, above that exceed 10
percent of total loans restructured in troubled
debt restructurings that are past due 30 days
or more or in non-accrual status (sum of
Memorandum items 1.a through 1.f, columns
A through C):
(1) L
oans secured by farmland in domestic
offices ...........................................
K130 K131 K132
M.1.f.(1)
M.1.f.
K128K127K126
BHCK BHCK BHCK
BHDMBHDM BHDM
g. Total loans restructured in troubled debt
restructuring included in Schedule HC-N
items 1 through 7, above (sum of Memo-
random items 1.a.(1) through item 1.f)
2
....
M.1.g.
HK28HK27HK26
1. e. Commercial and industrial loans:
(1) To U.S. addressees (domicile)............
K120 K121 K122
M.1.e.(1)
M.1.e.(2)
KX66 KX67 KX68
M.1.e.(3)
(2) To non-U.S. addressees (domicile)......
Dollar Amounts in Thousands
BHCK
Amount
BHCK
Amount
BHCK
Amount
(Column A)
Past due
30 through 89 days
and still accruing
(Column B)
Past due
90 days or more
and still accruing
(Column C)
Nonaccrual
Holding companies with less than $5 billion in
total assets are to report data item 1.e.(3)
columns A, B and C and should leave
Memoranda items 1.e.(1) and 1.e.(2) columns A,
B and C blank.
1
(3) To U.S. addressees (domicile) and
non-U.S. addresses (domicile) ...........
K123 K124 K125
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. Exclude amounts reported in Memorandum items 1.f.(1) through 1.f.(3) when calculating the total in Memorandum item 1.g.
03/2021
Memoranda–Continued
Schedule HC-N—Continued
Item 6 is to be reported only by holding companies
with total consolidated assets of $5 billion or more,
or
with $2 billion or more in par/notional amounts of
off-balance-sheet derivative contracts (as reported
in Schedule HC-L, items 11.a through 11.e).
Dollar Amounts in Thousands
BHCK
Amount
BHCK
Amount
(Column B)
Past due
90 days or more
(Column A)
Past due
30 through 89 days
3529
M.6.
6. Derivative contracts:
Fair value of amounts carried as assets ..........
Dollar Amounts in Thousands
BHCK
Amount
Memorandum items 7, 8, 9.a, and 9.b are to be completed semiannually in the June and
December reports only.
7.
Additions to nonaccrual assets during the previous six months ............................................
8. Nonaccrual assets sold during the previous six months ......................................................
C410
M.7.
C411
M.8.
b. Amount included in Schedule HC-N, items 1
through 7, above ....................................
Dollar Amounts in Thousands
BHCK
Amount
BHCK
Amount
BHCK
Amount
(Column A)
Past due
30 through 89 days
and still accruing
(Column B)
Past due
90 days or more
and still accruing
(Column C)
Nonaccrual
9. P
urchased credit-impaired loans accounted for in
accordance with FASB ASC 310-30 (former
AICPA Statement of Position 03-3):
1
a. Outstanding balance ...............................
L186 L187 L188
M.9.b.
L183 L184 L185
M.9.a.
FR Y-9C
Page 47 of 75
1. Memorandum items 9.a and 9.b should be completed only by holding companies that have not yet adopted ASU 2016-13.
L191
L192
M288
BHCK
Amount
HT81
HT82
FT04
FT05
HT85
HT86
1. Exclude originations and purchases of 1–4 family residential mortgage loans that are held for investment.
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.
7. Representation and warranty reserves for 1–4 family residential mortgage loans sold:
a. For representations and warranties made to U.S. government agencies and government-
sponsored agencies................................................................................................
7.a.
b. For representations and warranties made to other parties............................................... 7.b.
c. Total representation and warranty reserves (sum of items 7.a and 7.b) ..............................
7.c.
Schedule HC-P—1–4 Family Residential Mortgage Banking Activities in Domestic Offices
Schedule HC-P is to be completed by holding companies with $5 billion on more in total assets
1, 2
at which either 1–4 family
residential mortgage loan originations and purchases for resale
1
from all sources, loan sales, or quarter-end loans held for sale or
trading in domestic offices that exceed $10 million for two consecutive quarters.
Dollar Amounts in Thousands
1. Retail originations during the quarter of 1–4 family residential mortgage loans for sale:
1
........... 1.
2. Wholesale originations and purchases during the quarter of 1–4 family residential mortgage
loans for sale:
1
..........................................................................................................
2.
3.
1–4 family residential mortgages sold during the quarter.................................................... 3.
4.
1–4 family residential mortgages held for sale or trading at quarter-end (included in Schedule
HC, items 4.a and 5) ..................................................................................................
4.
5. Noninterest income for the quarter from the sale, securitization, and servicing of 1–4 family
residential mortgage loans (included in Schedule HI, items 5.c, 5.f, 5.g, and 5.i).....................
5.
6. R
epurchases and indemnifications of
1–4
family residential mortgage loans during the quarter
.. 6.
03/2021
3530
FR Y-9C
Page 48 of 75
Schedule HC-Q—Assets and Liabilities Measured at Fair Value on a Recurring Basis
(Column A)
Total Fair Value
Reported on
Schedule HC
(Column B)
LESS: Amounts Netted
in the Determination
of Total Fair Value
(Column C)
Level 1 Fair Value
Measurements
(Column D)
Level 2 Fair Value
Measurements
(Column E)
Level 3 Fair Value
Measurements
Amount
BHCK
Amount
BHCK
Amount
BHCK
Amount
BHCK
Amount
BHCY
JA36 G474 G475 G476 G477
BHCK
G478 G479 G480 G481 G482
G483 G484 G485 G486 G487
G488 G489 G490 G491 G492
BHCT
3543 G493 G494 G495 G496
BHCK
G497 G498 G499 G500 G501
F240 F684 F692 F241 F242
G391 G392 G395 G396 G804
G502 G503 G504 G505 G506
F252 F686 F694 F253 F254
G507 G508 G509 G510 G511
BHCT
3547 G512 G513 G514 G515
BHCK
G516 G517 G518 G519 G520
Dollar Amounts in Thousands
Assets
1. A
vailable-for-sale debt and equity securities
with readily determinable fair values not held
for trading
1
............................................
1.
2.
3.
4.
5.a.
5.b.
5.b.(1)
6.
7.
8.
9.
10.a.
10.b.
2. Federal funds sold and securities
purchased under agreements to resell .......
3. Loans and leases held for sale .................
4. Loans and leases held for investment ........
5. Trading assets:
a. Derivative assets ..............................
b. Other trading assets ..........................
(1) Nontrading securities at fair value
with changes in fair value reported
in current earnings (included in
Schedule HC-Q, item 5.b, above)
6. All other assets .....................................
7. Total assets measured at fair value on a
recurring basis......................................
Liabilities
8. Deposits ..............................................
9. Federal funds purchased and securities
sold under agreements to repurchase ........
10. Trading liabilities:
a. Derivative liabilities............................
b. Other trading liabilities........................
Schedule HC-Q is to be completed by all holding companies with $5 billion or more in total assets
2
that :
(1) Have elected to report financial instruments or servicing assets and liabilities at fair value under a fair value option with changes in fair value recognized in earnings, or
(2) Are required to complete Schedule HC-D, Trading Assets and Liabilities.
03/2021
1. The amount reported in item 1, column A, must equal the sum of Schedule HC, item 2.b and 2.c.
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.
FR Y-9C
Page 49 of 75
Schedule HC-Q—Continued
Memoranda
(Column A)
Total Fair Value
Reported on
Schedule HC
(Column B)
LESS: Amounts Netted
in the Determination
of Total Fair Value
(Column C)
Level 1 Fair Value
Measurements
(Column D)
Level 2 Fair Value
Measurements
(Column E)
Level 3 Fair Value
Measurements
BHCK
Amount
BHCK
Amount
BHCK
Amount
BHCK
Amount
BHCK
Amount
G521 G522 G523 G524 G525
11.
G526 G527 G528 G529 G530
12.
G805 G806 G807 G808 G809
13.
G531 G532 G533 G534 G535
14.
Dollar Amounts in Thousands
Liabilities (continued)
11. Other borrowed money ...........................
12. Subordinated notes and debentures ..........
13. All other liabilities...................................
14. Total liabilities measured at fair value on a
recurring basis......................................
G536 G537 G538 G539 G540
M.1.a.
G541 G542 G543 G544 G545
M.1.b.
G546 G547 G548 G549 G550
M.1.c.
G551 G552 G553 G554 G555
M.1.d.
G556 G557 G558 G559 G560
M.1.e.
G561 G562 G563 G564 G565
M.1.f.
F261 F689 F697 F262 F263
M.2.a.
G566 G567 G568 G569 G570
M.2.b.
G571 G572 G573 G574 G575
M.2.c.
G576 G577 G578 G579 G580
M.2.d.
G581 G582 G583 G584 G585
M.2.e.
G586 G587 G588 G589 G590
M.2.f.
BHCK
Amount
BHCK
Amount
BHCK
Amount
BHCK
Amount
BHCK
Amount
1. A
ll other assets (itemize and describe amounts
included in Schedule HC-Q, item 6 that are
greater than $100,000 and exceed 25 percent
of item 6):
a. Mortgage servicing assets...................
b. Nontrading derivative assets................
c.
BHTX
G546
d.
BHTX
G551
e.
BHTX
G556
f.
BHTX
G561
2. A
ll other liabilities (itemize and describe
amounts included in Schedule HC-Q, item 13
that are greater than $100,000 and exceed 25
percent of item 13):
a. Loan commitments
(not accounted for as derivatives).........
b. Nontrading derivative liabilities .............
c.
BHTX
G571
d.
BHTX
G576
e.
BHTX
G581
f.
BHTX
G586
06/2018
Dollar Amounts in Thousands
(2) All other loans secured by real estate .....................................................................
FR Y-9C
Page 50 of 75
Schedule HC-Q—Continued
Memoranda
M
emorandum items 3 and 4 are to be completed by holding companies that have elected to measure
loans included in Schedule HC-C, items 1 through 9, at fair value under a fair value option.
BHCK
Amount
HT87
HT88
HT91
a. Loans secured by real estate:
b. Commercial and industrial loans ................................................................................
M.4.a.(1)
c. Loans to individuals for household, family, and other personal
expenditures
(i.e., consumer loans) (includes purchased paper) ..........................................................
d. Other loans............................................................................................................
(1) Secured by 1–4 family residential properties............................................................
HT92
M.4.a.(2)
HT93
M.4.c.
F601
M.4.d.
F597
M.4.b.
F585
F589
HT89
Dollar Amounts in Thousands
3. Loans measured at fair value:
a. Loans secured by real estate:
M.3.a.(1)(1) Secured by 1–4 family residential properties............................................................
M.3.a.(2)
M.3.b.b. Commercial and industrial loans ................................................................................
M.3.c.
c. Loans to individuals for household, family, and other personal
expenditures
(i.e., consumer loans) (includes purchased paper)...........................................................
d. Other loans............................................................................................................ M.3.d.
4. Unpaid principal balances of loans measured at fair value (reported in memorandum item 3):
06/2018
(2) All other loans secured by real estate .....................................................................
FR Y-9C
Page 51 of 75
Schedule HC-R—Regulatory Capital
BHCA
Amount
P742
KW00
2. 2. Retained earnings
1
............................................................................................................
1. Holding companies that have adopted ASU 2016-13 and have elected to apply the 3-year or the 5-year 2020 CECL transition provision should
include the applicable portion of the CECL transitional amount or the modified CECL transitional amount, respectively, in this item.
P846
P847
P848
P849
9.c.
9.d.
9.e.
9.f.
c. LESS: Accumulated net gains (losses) on cash flow hedges
(if a gain, report as a positive value; if a loss, report as a negative value) ...................................
d. LESS: Amounts recorded in AOCI attributed to defined benefit postretirement plans resulting from
the initial and subsequent application of the relevant GAAP standards that pertain to such plans (if
a gain, report as a positive value; if a loss, report as a negative value) .....................................
e. LESS: Net unrealized gains (losses) on held-to-maturity securities that are included in AOCI
(if a gain, report as a positive value; if a loss, report as a negative value) ..................................
f. To be completed only by holding companies that entered “0” for No in item 3.a:
LESS: Accumulated net gain (loss) on cash flow hedges included in AOCI, net of applicable
income taxes, that relate to the hedging of items that are not recognized at fair value on the
balance sheet (if a gain, report as a positive value; if a loss, report as a negative value) .................
BHCA
JJ29
BHCA
Amount
B530
P838
1=Yes
BHCA0=No
P839
Amount
BHCA
P840
3.
3.a.
4.
5.
3. Accumulated other comprehensive income (AOCI)...................................................................
a. AOCI opt-out election (enter "1" for Yes; enter "0" for No.)
(Advanced approaches institutions must enter "0" for No.) .............................................................
4. Common equity tier 1 minority interest includable in common equity tier 1 capital ...........................
5. Common equity tier 1 capital before adjustments and deductions (sum of items 1 through 4) ............
P844
P842
P843
9.a.
6.
7.
8.
a. LESS: Net unrealized gains (losses) on available-for-sale debt securities
(if a gain, report as a positive value; if a loss, report as a negative value) ..................................
b. Not applicable.
6. LESS: Goodwill net of associated deferred tax liabilities (DTLs) ..................................................
Common Equity Tier 1 Capital: Adjustments and Deductions
7. LESS: Intangible assets (other than goodwill and mortgage servicing assets (MSAs)), net of
associated DTLs ...............................................................................................................
8. LESS: Deferred tax assets (DTAs) that arise from net operating loss and tax credit carryforwards, net
of any related valuation allowances and net of DTLs ................................................................
9. AOCI-related adjustments
(if entered “1” for Yes in item 3.a, complete only items 9.a through 9.e; if entered “0” for
No in item 3.a, complete only item 9.f):
2.a.
P841
a. To be completed only by institutions that have adopted ASU 2016-13:
D
oes your institution have a CECL transition election in effect as of the quarter-end report date?
(enter "0" for No; enter "1" for Yes with a 3-year CECL transition election;
enter "2" for Yes with a 5-year 2020 CECL transition election.)..........................................................
1.
Dollar Amounts in Thousands
Common Equity Tier 1 Capital
1. Common stock plus related surplus, net of treasury stock and unearned employee stock
ownership plan (ESOP) shares ............................................................................................
Part I. Regulatory Capital Components and Ratios
For Federal Reserve Bank Use Only
C.I.
12/2020
P859
P858
P857
P856
P855
P854
LB59
LB60
P859
P858
P857
19.
18.
17.
16.
15.b.
14.b.
13.b.
14. a. LESS: MSAs, net of associated DTLs, that exceed 25 percent of
item 12 .......................................................................................
15. a. LESS: DTAs arising from temporary differences that could not be
realized through net operating loss carrybacks, net of related valuation
allowances and net of DTLs, that exceed 25 percent of item 12 .........
16. LESS: Amount of significant investments in the capital of unconsolidated
financial institutions in the form of common stock, net of associated DTLs;
MSAs, net of associated DTLs; and DTAs arising from temporary differences
that could not be realized through net operating loss carrybacks, net of
related valuation allowances and net of DTLs; that exceeds the 15 percent
common equity tier 1 capital deduction threshold .....................................
17. LESS:
Deductions applied to common equity tier 1 capital due to insufficient
amounts of additional tier 1 capital and tier 2 capital
2
to cover deductions
.........
18. Total adjustments and deductions for common equity tier 1 capital
3
..............
19. Common equity tier 1 capital (item 12 minus item 18) ................................
b. LESS: MSAs, net of associated DTLs, that exceed the 10 percent
common equity tier 1 capital deduction threshold .................................
b. LESS: DTAs arising from temporary differences that could not be
realized through net operating loss carrybacks, net of related valuation
allowances and net of DTLs, that exceed the 10 percent common equity
tier 1 capital deduction threshold .....................................................
14.a.
15.a.
1. All non-advanced approaches holding companies should complete column A for items 11-19; all advanced approaches holding
companies should complete column B for items 11-19.
2. A holding company that has a CBLR framework election in effect as of the quarter-end report date is neither required to calculate tier 2
capital nor make any deductions that would have been taken from tier 2 capital as of the report date.
3. All non-advanced approaches holding companies should report in item 18, column A, the sum of items 13.a, 14.a, 15.a, and 17,
column A; all advanced approaches holding companies should report in item 18, column B, the sum of items 13.b, 14.b, 15.b, 16,
and 17, column B.
P853
Q258
P850
10.a.
10.b.
10. Other deductions from (additions to) common equity tier 1 capital before threshold-based deductions:
a. LESS: Unrealized net gain (loss) related to changes in the fair value of liabilities that are due to
changes in own credit risk (if a gain, report as a positive value; if a loss, report as a
negative value)..............................................................................................................
b. LESS: All other deductions from (additions to) common equity tier 1 capital
before threshold-based deductions ...................................................................................
FR Y-9C
Page 52 of 75
BHCA
Amount
Dollar Amounts in Thousands
Schedule HC-R—Continued
Part I—
Continued
P851
P852
Amount
BHCW
Amount
BHCA
P852
LB58
11.
12.
b. LESS: Significant investments in the capital of unconsolidated financial
institutions in the form of common stock, net of associated DTLs, that
exceed the 10 percent common equity tier 1 capital deduction threshold..
12. Subtotal (for column A, item 5 minus items 6 through 10.b; for column B,
item 5 minus items 6 through 11)..........................................................
11. LESS: Non-significant investments in the capital of unconsolidated financial
institutions in the form of common stock that exceed the 10 percent threshold
for non-significant investments .............................................................
13. a. LESS: Investments in the capital of unconsolidated financial institu-
tions, net of associated DTLs, that exceed 25 percent of item 12.......
Dollar Amounts in Thousands
13.a.
(Column B)
Advanced
Approaches Holding
Companies
1
(Column A)
Non-advanced
Approaches Holding
Companies
1
09/2020
26.
8274
KW03
P875
B596
A224
BHCA
7204
Percentage
BHCA
LE74
0=No
1=Yes
29.29. LESS: Other deductions from (additions to) assets for leverage ratio purposes ..............................
28.
30.
30. Total assets for the leverage ratio (item 27 minus items 28 and 29) .............................................
31. Leverage ratio (item 26 divided by item 30) .............................................................................
Leverage Ratio*
31.
a. Does your holding company have a community bank leverage ratio (CBLR) framework
election in effect as of the quarter-end report date? (enter "1" for Yes; enter "0" for No) ...............
31.a.
If your holding company entered “1” for Yes in item 31.a:
•
Complete items 32 through 36
•
Do not complete items 37 through 53
•
Do not complete Part II of Schedule HC-R.
If your holding company entered “0” for No in item 31.a:
•
Skip (do not complete) items 32 through 36,
•
Complete items 37 through 53 as applicable, and
•
Complete Part II of Schedule HC-R.
(Column A)
2170
Amount
BHCA
KX77
BHCA
Percentage
(Column B)
KX78
32. Total assets
4
...................................................................................
Qualifying Criteria and Other Information for CBLR holding company*
32.
33. Trading assets and trading liabilities (Schedule HC, sum of items 5 and
15). Report as a dollar amount in column A and as a percentage of total
assets (5% limit) in column B.............................................................
33.
Dollar Amounts in Thousands
*
Report each ratio and buffer as a percentage, rounded to four decimal places, e.g., 12.3456.
1. All non-advanced approaches holding companies should report the sum of item 19, column A, and item 25 in item 26; all advanced
approaches institutions should report the sum of item 19, column B, and item 25 in item 26.
2. Holding companies that have adopted ASU 2016-13 and have elected to apply the 3-year or the 5-year 2020 CECL transition provision should
include the applicable portion of the CECL transitional amount or the modified CECL transitional amount, respectively, in item 27.
3. All non
͈
-advanced approaches holding companies should report in item 28 the sum of items 6, 7, 8, 10.b, 13.a, 14.a, 15.a, 17 (column A),
and certain elements of item 24 - see instructions; all advanced approaches holding companies should report in item 28, the sum of items
6, 7, 8, 10.b, 11, 13.b, 14.b, 15.b, 16, 17 (column B), and certain elements of item 24
- see instructions.
4. For report dates through December 31, 2021, report the lesser of total assets reported in Schedule HC, item 12, as of December 31, 2019,
or the current report date, which must be less than $10 billion.
27.
Total Assets for the Leverage Ratio
27. Average total consolidated assets
2
........................................................................................
28. LESS: Deductions from common equity tier 1 capital and additional tier 1 capital
3
..........................
FR Y-9C
Page 53 of 75
BHCA
Amount
Dollar Amounts in Thousands
Schedule HC-R—Continued
Part I—
Continued
20.
P860
20. Additional tier 1 capital instruments plus related surplus ............................................................
Additional Tier 1 Capital
21.
P861
21. Non-qualifying capital instruments subject to phase out from additional tier 1 capital .......................
22.
P862
22. Tier 1 minority interest not included in common equity tier 1 capital..............................................
23.
P863
23. Additional tier 1 capital before deductions (sum of items 20, 21, and 22) .......................................
24.
P864
24. LESS: Additional tier 1 capital deductions ...............................................................................
25.
P865
25. Additional tier 1 capital (greater of item 23 minus item 24, or zero)...............................................
26. Tier 1 capital
1
...................................................................................................................
Tier 1 Capital
12/2020
37.
P866
37. Tier 2 capital instruments plus related surplus .........................................................................
Tier 2 Capital
1
38.
P867
38. Non-qualifying capital instruments subject to phase out from tier 2 capital .....................................
39.
P868
39. Total capital minority interest that is not included in tier 1 capital..................................................
40. a. Allowance for loan and lease losses includable in tier 2 capital
2, 3
............................................
b. (Advanced approaches holding companies that exit parallel run only): Eligible credit reserves
includable in tier 2 capital................................................................................................
41. Not applicable.
40.a.
5310
40.b.
5310
BHCW
BHCA
43.
P872
43. LESS: Tier 2 capital deductions ............................................................................................
BHCA
42. a. Tier 2 capital before deductions (sum of items 37 through 40.a) ..............................................
b. (Advanced approaches holding companies that exit parallel run only): Tier 2 capital before
deductions (sum of items 37 through 39, plus item 40.b) .......................................................
42.b.
P870
BHCW
42.a.
P870
44.a.
5311
44.b.
5311
45.a.
3792
45.b.
3792
BHCA
BHCW
BHCW
44. a. Tier 2 capital (greater of item 42.a minus item 43, or zero) .....................................................
b. (Advanced approaches holding companies that exit parallel run only): Tier 2 capital
(greater of item 42.b minus item 43, or zero)........................................................................
45. a.
Total capital (sum of items 26 and 44.a) .............................................................................
Total Capital
b. (Advanced approaches holding companies that exit parallel run only): Total capital
(sum of items 26 and 44.b)...............................................................................................
*
Report each ratio and buffer as a percentage, rounded to four decimal places, e.g., 12.3456.
1. A holding company that has a CBLR election in effect as of the quarter-end report date is neither required to calculate tier 2 capital nor
make any deductions that would have been taken from tier 2 capital as of the report date.
2. Holding companies that have adopted ASU 2016-13 should report in item 40.a the adjusted allowances for credit losses (AACL), as defined in
the regulatory capital rule includable in tier 2 capital in item 40.a.
3. Holding companies that have adopted ASU 2016-13 and have elected to apply the 3-year or the 5-year 2020 CECL transition provision should
subtract the applicable portion of the AACL transitional amount or the modified AACL transitional amount, respectively, from the AACL, as
defined in the regulatory capital rule, before determining the amount of AACL includable in tier 2 capital. See instructions for further detail on the
CECL transition provisions.
If your holding company entered “0” for No in item 31.a, complete items 37 through 53, as appli-
cable, and Part II of Schedule HC-R. If your holding company entered “1” for Yes in item 31.a, do
not complete items 37 through 53 or Part II of Schedule HC-R.
BHCA
Amount
Dollar Amounts in Thousands
S540
36.
35.35. Unconditionally cancellable commitments ..........................................................................
36. Investments in the tier 2 capital of unconsolidated financial institutions.................................
LB61
FR Y-9C
Page 54 of 75
Schedule HC-R—Continued
Part I—
Continued
12/2020
(Column A) (Column B)
KX79
KX80
KX81
KX82 KX83
34. Off-balance sheet exposures:
a. Unused portion of conditionally cancellable commitments...............
b.
Securities lent and borrowed (Schedule HC-L, sum of items 6.a and 6.b)
..
c. Other off-balance sheet exposures ................................................
d. Total off-balance sheet exposures (sum of items 34.a through 34.c).
Report as a dollar amount in column A and as a percentage of total
assets (25% limit) in column B ......................................................
34.a.
34.b.
34.c.
34.d.
Dollar Amounts in Thousands
BHCA
Amount
Dollar Amounts in Thousands
Amount
BHCA
Percentage
BHCA
BHCA
Percentage
H311
Amount
BHCA
51.51. Eligible retained income
1
.....................................................................................................
52.52. Distributions and discretionary bonus payments during the quarter
2
.............................................
H313
53. Advanced approaches holding companies and holding companies subject to category III capital
standards only: Supplementary leverage ratio (From FFIEC 101 Schedule A, Table 2, item 2.22) .......
H036
53.
*
Report each ratio and buffer as a percentage, rounded to four decimal places, e.g., 12.3456.
1. Holding companies not subject to the capital plan rule must complete item 51 only if the amount reported in item 50 above is less than
or equal to 2.5000 percent.
2. Holding companies not subject to the capital plan rule must complete item 52 only if the amount reported in item 50 above for the
previous calendar quarter-end report date was less than or equal to 2.5000 percent.
Supplementary Leverage Ratio*
Percentage
BHCA
H314
Dollar Amounts in Thousands
Holding companies must complete items 51 and 52 if the amount in item 50 is less than or equal to
the applicable:
50.
BHCA
Percentage
BHCW
Percentage
LE85 LE85
54.a.
55. Capital conservation buffer...............................................................................
54. Capital conservation buffer requirement (sum of items 54.a through 54.c)
Risk-Based Capital Buffer for holding companies subject to the Board's capital plan
rule only:
a. of which: Stress capital buffer or 2.500% (for advanced approaches) ................
(Column A)
Standardized
Approach
(Column B)
Advanced
Approaches
b. of which: GSIB surcharge (if applicable) ........................................................
c. of which: Countercyclical capital buffer amount (if applicable) .........................
LE86 LE86
54.b.
LE87 LE87
54.c.
MK76 H311
55.
Capital Buffer* for Holding Companies not Subject to the Capital Plan Rule (items 50-52)
50. Capital conservation buffer ..................................................................................................
Schedule HC-R—Continued
Part I—
Continued
FR Y-9C
Page 55 of 75
12/2020
BHCA
Percentage
BHCW
Percentage
Column A
Column B
P793 P793
7206 7206
7205 7205
Risk-Based Capital Ratios*
47. Common equity tier 1 capital ratio (Column A: item 19, column A or B, as applicable,
divided by item 46.a) (Advanced approaches holding companies that exit parallel run
only: Column B, item 19, column B, divided by item 46.b)..........................................
47.
48. Tier 1 capital ratio (Column A: item 26 divided by item 46.a) (Advanced approaches
holding companies that exit parallel run only: Column B: item 26 divided by item 46.b)......
48.
49. Total capital ratio (Column A: item 45.a divided by item 46.a) (Advanced approaches
holding companies that exit parallel run only: Column B: item 45.b divided by item 46.b) ....
49.
BHCA
Amount
Dollar Amounts in Thousands
46.a.
46.b.
A223
BHCW
Total Risk-Weighted Assets
46. a. Total risk-weighted assets (from Schedule HC-R, Part II item 31) ............................................
b. (Advanced approaches holding companies that exit parallel run only): Total risk-weighted assets
using advanced approaches rule (from FFIEC 101 Schedule A, item 60) ..................................
A223
LE90
58.
57. Leverage buffer requirement (if applicable).........................................................................
58. Leverage ratio buffer (if applicable)....................................................................................
Maximum payout ratios and amounts for holding companies subject to the capital plan rule:
59. Eligible retained income ...................................................................................................
60. Maximum payout ratio......................................................................................................
61. Maximum payout amount .................................................................................................
62. Distributions and discretionary bonus payments during the quarter......................................
LE92
61.
MK78
62.
LE91
60.
MK77
59.
LE89
57.
Schedule HC-R—Continued
Part I—
Continued
FR Y-9C
Page 56 of 75
BHCA
Amount
Leverage buffer and requirements for holding companies subject to the capital plan rule:
56. Total leverage exposure for the supplementary leverage ratio (SLR) (if applicable)..................
LE88
56.
12/2020
Dollar Amounts in Thousands
Percentage
Amount
Percentage
Amount
FR Y-9C
Page 57 of 75
Schedule HC-R—Continued
03/2021
Holding companies that entered "1" for Yes in Schedule HC-R, Part I, item 31.a, do not have to complete Schedule HC-R, Part II.
(Column A)
Totals From
Schedule
HC
(Column B)
Adjustments
to Totals
Reported in
Column A
(Column C) (Column D) (Column E) (Column F) (Column G) (Column H) (Column I) (Column J)
Allocation by Risk-Weight Category
0% 2% 4% 10% 20% 50% 100% 150%
Amount Amount Amount Amount Amount Amount Amount Amount Amount Amount
BHCK D957 BHCK S396 BHCK D958 BHCK D959 BHCK S397 BHCK D960 BHCK S398
BHCK D961 BHCK S399 BHCK D962 BHCK HJ74 BHCK HJ75 BHCK D963 BHCK D964 BHCK D965 BHCK S400
BHCK JA21 BHCK S402 BHCK D967 BHCK HJ76 BHCK HJ77 BHCK D968 BHCK D969 BHCK D970 BHCK S403
BHCK D971 BHCK D972 BHCK D973 BHCK S410 BHCK D974 BHCK S411
1. Cash and balances
due from depository
institutions....................
2. Securities:
a. Held-to-maturity
securities
3, 4
..............
3. Federal funds sold and
securities purchased under
agreements to resell:
a. Federal funds sold
(in domestic offices)...
b. Securities purchased
under agreements to
resell ......................
b. A
vailable-for-sale debt
securities and equity
securities with readily
d
eterminable fair values
not held for trading
.....
BHCK H171 BHCK H172
1.
2.a.
2.b.
3.a.
3.b.
Dollar Amounts in Thousands
Balance Sheet Asset
Categories
2
Holding companies (HC) are required to assign a 100 percent risk-weight to all assets not specifically assigned a risk-weight under Subpart D of the Federal Reserve's
regulatory capital rules
1
and not deducted from tier 1 or tier 2 capital.
1. For bank holding companies, 12 CFR Part 217 and 225; and for covered savings and loan holding companies, 12 CFR Part 217. 2. All securitization exposures held as on-balance sheet assets of
the reporting institution are to be excluded from items 1 through 8 and are to be reported instead in item 9. 3. For 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. 4. Institutions that have adopted ASU 2016-13 and have reported
held-to-maturity securities net of allowances or credit losses in item 2.a, column A, should report as a negative number in item 2.a, column B, those allowances for credit losses eligible for inclusion in
tier 2 capital, which excludes allowances for credit losses on purchased credit-deteriorated assets.
Items 1 through 25, (columns A
through U as applicable) are to
be reported semiannually in June
and December by holding com-
panies with less than $5 billion in
total consolidated assets.
3, 4
Part II. Risk-Weighted Assets
03/2020
FR Y-9C
Page 58 of 75
(Column K) (Column L) (Column M) (Column N) (Column O) (Column P) (Column Q) (Column R) (Column S)
Allocation by Risk-Weight Category
Application of Other Risk-
Weighting Approaches
5
250% 300% 400% 600% 625% 937.5% 1250%
Exposure
Amount
Risk-Weighted
Asset Amount
Dollar Amounts in Thousands
b. Securities purchased
under agreements to
resell ........................................
3. Federal funds sold and
securities purchased under
agreements to resell:
a. Federal funds sold
(in domestic offices).....................
b. A
vailable-for-sale debt
securities and equity
securities with readily
d
eterminable fair values
not held for trading
.......................
2. Securities:
a. Held-to-maturity
securities...................................
1. Cash and balances
due from depository
institutions......................................
Balance Sheet Asset
Categories (continued)
BHCK H270 BHCK S405 BHCK S406 BHCK H271 BHCK H272
Schedule HC-R—Continued
Part II—
Continued
Amount Amount Amount Amount Amount Amount Amount Amount Amount
1.
2.a.
2.b.
3.a.
3.b.
5. Includes, for example, investments in mutual funds/investment funds, exposures collateralized by securitization exposures or mutual funds, separate account bank-owned life insurance, and
default fund contributions to central counterparties.
03/2020
FR Y-9C
Page 59 of 75
(Column A)
Totals From
Schedule
HC
(Column B)
Adjustments
to Totals
Reported in
Column A
(Column C) (Column D) (Column E) (Column F) (Column G) (Column H) (Column I) (Column J)
Allocation by Risk-Weight Category
0% 2% 4% 10% 20% 50% 100% 150%
BHCK S423 BHCK S424 BHCK S425 BHCK HJ78 BHCK HJ79 BHCK S426 BHCK S427 BHCK S428 BHCK S429
4.c.
c. Exposures past due
90 days or more or
on nonaccrual
6
..........
BHCK S431 BHCK S432 BHCK S433 BHCK HJ80 BHCK HJ81 BHCK S434 BHCK S435 BHCK S436 BHCK S437
BHCK S439 BHCK S440 BHCK H178 BHCK S441 BHCK S442 BHCK S443
BHCK S445 BHCK S446 BHCK H179 BHCK H180 BHCK H181 BHCK H182 BHCK S447
BHCK S449 BHCK S450 BHCK S451 BHCK HJ82 BHCK HJ83 BHCK S452 BHCK S453 BHCK S454 BHCK S455
BHCK S457 BHCK S458 BHCK S459 BHCK HJ84 BHCK HJ85 BHCK S460 BHCK S461 BHCK S462 BHCK S463
BHCX 3123 BHCY 3123
d. All other
exposures................
5. Loans and leases
held for investment:
7
a. Residential mortgage
exposures................
b. High volatility
c
ommercial real estate
exposures................
c. Exposures past due
90 days or more
or on
nonaccrual
8
..............
d. All other exposures ....
6. LESS: Allowance for loan
and lease losses
9
...........
4.d.
5.a.
5.b.
5.c.
5.d.
6.
6. F
or loans and leases held for sale, exclude residential mortgage exposures, high volatility commercial real estate exposures, or sovereign exposures that are past due 90 days or more or on nonaccrual.
7. Institutions that have adopted ASU 2016-13 should report as a positive number in column B of items 5.a through 5.d, as appropriate, any allowances for credit losses on purchased
credit-deteriorated assets reported in column A of items 5.a through 5.d, as appropriate.
8. F
or loans and leases held for investment, exclude residential mortgage exposures, high volatility commercial real estate exposures, or sovereign exposures that are past due 90 days or more or
on nonaccrual.
9. Institutions that have adopted ASU 2016-13 should report the allowance for credit losses on loans and leases in item 6, columns A and B.
Dollar Amounts in Thousands
Schedule HC-R—Continued
Part II—
Continued
4.a.
4. L
oans and leases held for
sale:
a. Residential mortgage
exposures ...............
4.b.
b. High volatility
c
ommercial real estate
exposures................
BHCK S419 BHCK S420 BHCK H174 BHCK H175 BHCK H176 BHCK H177 BHCK S421
BHCK S413 BHCK S414 BHCK H173 BHCK S415 BHCK S416 BHCK S417
Amount Amount Amount Amount Amount Amount Amount Amount Amount Amount
(Column K) (Column L) (Column M) (Column N) (Column O) (Column P) (Column Q) (Column R) (Column S)
Allocation by Risk-Weight Category
Application of Other Risk-
Weighting Approaches
10
250% 300% 400% 600% 625% 937.5% 1250%
Exposure
Amount
Risk-Weighted
Asset Amount
Amount Amount Amount Amount Amount Amount Amount Amount Amount
BHCK H273 BHCK H274
BHCK H275 BHCK H276
BHCK H277 BHCK H278
BHCK H279 BHCK H280
BHCK H281 BHCK H282
BHCK H283 BHCK H284
BHCK H285 BHCK H286
BHCK H287 BHCK H288
4.c.
4.d.
5.a.
5.b.
5.c.
5.d.
6.
c. Exposures past due
90 days or more or
on nonaccrual
11
............................
d. All other
exposures...................................
5. Loans and leases
held for investment:
a. Residential mortgage
exposures...................................
b. High volatility
c
ommercial real estate
exposures...................................
c. Exposures past due
90 days or more or on
nonaccrual
12
................................
d. All other exposures .......................
6. LESS: Allowance for loan
and lease losses ..............................
Dollar Amounts in Thousands
4. Loans and leases held for
sale:
a. Residential mortgage
exposures .................................
b. High volatility
commercial real estate
exposures..................................
10. Includes, for example, investments in mutual funds/investment funds, exposures collateralized by securitization exposures or mutual funds, separate account bank-owned life insurance, and
default fund contributions to central counterparties.
11. For loans and leases held for
sale,
exclude residential mortgage exposures, high volatility commercial real estate exposures, or sovereign exposures that are past due 90 days or more or on nonaccrual.
12.
For loans and leases held for investment, exclude residential mortgage exposures, high volatility commercial real estate exposures, or sovereign exposures that are past due 90 days or more or
on nonaccrual.
Schedule HC-R—Continued
Part II—
Continued
03/2020
FR Y-9C
Page 60 of 75
4.a.
4.b.
FR Y-9C
Page 61 of 75
(Column A)
Totals From
Schedule
HC
(Column B)
Adjustments
to Totals
Reported in
Column A
(Column C) (Column D) (Column E) (Column F) (Column G) (Column H) (Column I) (Column J)
Allocation by Risk-Weight Category
0% 2% 4% 10% 20% 50% 100% 150%
Amount Amount Amount Amount Amount Amount Amount Amount Amount Amount
Dollar Amounts in Thousands
Schedule HC-R—Continued
Part II—
Continued
BHCK D976 BHCK S466 BHCK D977 BHCK HJ86 BHCK HJ87 BHCK D978 BHCK D979 BHCK D980 BHCK S467
BHCK D981 BHCK S469 BHCK D982 BHCK HJ88 BHCK HJ89 BHCK D983 BHCK D984 BHCK D985 BHCK H185
7. Trading Assets ..............
b. Default fund
c
ontributions to central
counterparties ..........
a. Separate account
bank-owned life
insurance ................
8. All other assets
13, 14, 15
.......
7.
8.
8.a.
8.b.
06/2020
13. Includes premises and fixed assets; other real estate owned; investments in unconsolidated subsidiaries and associated companies; direct and indirect investments in real estate ventures;
intangible assets; and other assets.
14. Institutions that have adopted ASU 2016-13 and have elected to apply the 3-year or the 5-year 2020 CECL transition provision should report as a positive number in item 8, column
B, the applicable portion of the DTA transitional amount as determined in accordance with the 3-year or the 5-year 2020 CECL transition rule, respectively.
15. Institutions that have adopted ASU 2016-13 and have reported any assets net of allowances for credit losses in item 8, column A, should report as a negative number in item 8,
column B, those allowances for credit losses eligible for inclusion in tier 2 capital, which excludes allowances for credit losses on purchased credit-deteriorated assets.
(Column K) (Column L) (Column M) (Column N) (Column O) (Column P) (Column Q) (Column R) (Column S)
Allocation by Risk-Weight Category
Application of Other Risk-
Weighting Approaches
16
250% 300% 400% 600% 625% 937.5% 1250%
Exposure
Amount
Risk-Weighted
Asset Amount
Amount Amount Amount Amount Amount Amount Amount Amount Amount
Dollar Amounts in Thousands
Schedule HC-R—Continued
Part II—
Continued
BHCK H289 BHCK H186 BHCK H290 BHCK H187 BHCK H291 BHCK H292
BHCK H293 BHCK H188 BHCK S470 BHCK S471 BHCK H294 BHCK H295
BHCK H296 BHCK H297
BHCK H298 BHCK H299
7. Trading Assets .................................
8.
8.a.
8. All other assets
17
...............................
a. Separate account
bank-owned life
insurance ...................................
b. Default fund
c
ontributions to central
counterparties .............................
8.b.
7.
FR Y-9C
Page 62 of 75
03/2020
16. Includes, for example, investments in mutual funds/investment funds, exposures collateralized by securitization exposures or mutual funds, separate account bank-owned life insurance, and
default fund contributions to central counterparties.
17. Includes premises and fixed assets; other real estate owned; investments in unconsolidated subsidiaries and associated companies; direct and indirect investments in real estate ventures;
intangible assets; and other assets.
03/2020
FR Y-9C
Page 63 of 75
(Column A)
Totals
Amount
(Column B)
Adjustments
to Totals
Reported in
Column A
Amount
(Column Q)
Allocation by
Risk-Weight
Category
1250%
Amount
(Column T) (Column U)
Total Risk-Weighted Asset
Amount by Calculation
Methodology
SSFA
18
Amount
Gross-Up
Amount
BHCK S475 BHCK S476 BHCK S477 BHCK S478 BHCK S479
BHCK S480 BHCK S481 BHCK S482 BHCK S483 BHCK S484
BHCK S485 BHCK S486 BHCK S487 BHCK S488 BHCK S489
BHCK S490 BHCK S491 BHCK S492 BHCK S493 BHCK S494
BHCK S495 BHCK S496 BHCK S497 BHCK S498 BHCK S499
Dollar Amounts in Thousands
a. Held-to-maturity securities
19
.......................................................................................
b.
Available-for-sale securities.......................................................................................
Securitization Exposures: On-and Off-Balance Sheet
9. On-balance sheet securitization exposures:
9.a.
9.b.
9.c.
9.d.
10.
Schedule HC-R—Continued
Part II—
Continued
10. Off-balance sheet securitization exposures .......................................................................
d.
All other on-balance sheet securitization exposures........................................................
c.
Trading assets ........................................................................................................
Dollar Amounts in Thousands
11. Total balance sheet
assets
20
................
(Column A)
Totals From
Schedule
HC
(Column B)
Adjustments
to Totals
Reported in
Column A
(Column C) (Column D) (Column E) (Column F) (Column G) (Column H) (Column I) (Column J)
Allocation by Risk-Weight Category
0% 2% 4% 10% 20% 50% 100% 150%
Amount Amount Amount Amount Amount Amount Amount Amount Amount Amount
BHCT 2170 BHCK S500 BHCK D987 BHCK HJ90 BHCK HJ91 BHCK D988 BHCK D989 BHCK D990 BHCK S503
11.
11.
(Column K) (Column L) (Column M) (Column N) (Column O) (Column P) (Column Q) (Column R)
Allocation by Risk-Weight Category
Application of
Other Risk-
Weighting
Approaches
250% 300% 400% 600% 625% 937.5% 1250%
Exposure
Amount
Amount Amount Amount Amount AmountAmountAmount
BHCK S504 BHCK S505 BHCK S506 BHCK S507 BHCK S510 BHCK H300
Dollar Amounts in Thousands
11. Total balance sheet
assets
20
............................................................
Amount
18. Simplified Supervisory Formula Approach. 19.
Institutions that have adopted ASU 2016-13 and have reported held-to-maturity securities net of allowances for credit losses in item 9.a,
column A, should report as a negative number in item 9.a, column B, those allowances for credit losses eligible for inclusion in tier 2 capital, which excludes allowances for credit losses
on purchased credit-deteriorated assets.
20. For each of columns A through R of item 11, report the sum of items 1 through 9. For item 11, the sum of columns B through R must equal column A.
Item 11, column A, must equal Schedule HC, item 12.
Schedule HC-R—Continued
Part II—
Continued
CCF
21
(Column A)
Face, Notional,
or Other
Amount
(Column B)
Credit
Equivalent
Amount
22
(Column C) (Column D) (Column E) (Column F) (Column G) (Column H) (Column I) (Column J)
Allocation by Risk-Weight Category
0% 2% 4% 10% 20% 50% 100% 150%
Amount Amount Amount Amount Amount Amount Amount Amount Amount Amount
BHCK D991 BHCK D992 BHCK D993 BHCK HJ92 BHCK HJ93 BHCK D994 BHCK D995 BHCK D996 BHCK S511
1.0
BHCK D997 BHCK D998 BHCK D999 BHCK G603 BHCK G604 BHCK G605 BHCK S512
0.5
BHCK G606 BHCK G607 BHCK G608 BHCK HJ94 BHCK HJ95 BHCK G609 BHCK G610 BHCK G611 BHCK S513
0.2
BHCK G612 BHCK G613 BHCK G614 BHCK G615 BHCK G616 BHCK G617 BHCK S514
1.0
Dollar Amounts in Thousands
Derivatives, Off-Balance
Sheet Items, and Other
Items Subject to Risk-
Weighting (Excluding
Securitization
Exposure)
23
12. Financial standby
letters of credit ........
13.
Performance standby
letters of credit and
transaction-related
contingent items......
14. Commercial and
similar letters of credit
with an original
maturity of one year
or less ...................
15. Retained recourse
on small business
obligations sold
with recourse..........
12.
13.
14.
15.
21. Credit conversion factor.
22. Column A multiplied by credit conversion factor. For each of items 12 through 21, the sum of columns C through J plus column R must equal column B.
23.
All derivatives and off-balance sheet items that are securitization exposures are to be excluded from items 12 through 21 and are to be reported instead in item 10.
FR Y-9C
Page 64 of 75
03/2020
Schedule HC-R—Continued
Part II—
Continued
(Column A)
Face, Notional,
or Other
Amount
CCF
24
(Column B)
Credit
Equivalent
Amount
25
(Column C) (Column D) (Column E) (Column F) (Column G) (Column H) (Column I) (Column J)
Allocation by Risk-Weight Category
0% 2% 4% 10% 20% 50% 100% 150%
Amount Amount Amount Amount Amount Amount Amount Amount Amount Amount
BHCK S515 BHCK S516 BHCK S517 BHCK S518 BHCK S519 BHCK S520 BHCK S521 BHCK S522 BHCK S523
1.0
BHCK G618 BHCK G619 BHCK G620 BHCK G621 BHCK G622 BHCK G623 BHCK S524
1.0
BHCK S525 BHCK S526 BHCK S527 BHCK HJ96 BHCK HJ97 BHCK S528 BHCK S529 BHCK S530 BHCK S531
0.2
BHCK G624 BHCK G625 BHCK G626 BHCK HJ98 BHCK HJ99 BHCK G627 BHCK G628 BHCK G629 BHCK S539
0.5
BHCK S540 BHCK S541
0.0
BHCK S542 BHCK S543 BHCK HK00 BHCK HK01 BHCK S544 BHCK S545 BHCK S546 BHCK S547 BHCK S548
BHCK S549 BHCK S550 BHCK S551 BHCK S552 BHCK S554 BHCK S555 BHCK S556 BHCK S557
BHCK H191 BHCK H193 BHCK H194 BHCK H195 BHCK H196 BHCK H197
Dollar Amounts in Thousands
16.
17.
18.a.
18.b.
19.
20.
21.
22.
b.
Original maturity
exceeding one
year ...................
19. Unconditionally
cancelable
commitments...........
20.
Over-the-counter
derivatives ..............
21. Centrally cleared
derivatives ..............
22.
Unsettled transactions
(failed trades)
27
.........
18.
Unused commitments:
(exclude unused
commitments to
asset-backed
commercial paper
conduits):
a. Original maturity of
one year or less
....
17.
All other off-balance
sheet liabilities .........
16.
Repo-style
transactions
26
...........
24. Credit conversion factor.
25. For items 18.b. and 19, column A multiplied by credit conversion factor.
26. Includes securities purchased under agreements to resell (reverse repos), securities sold under agreements to repurchase (repos), securities borrowed, and securities lent.
27. For item 22, the sum of columns C through Q must equal column A.
FR Y-9C
Page 65 of 75
03/2020
Schedule HC-R—Continued
Part II—
Continued
Dollar Amounts in Thousands
(Column O) (Column P) (Column Q) (Column R) (Column S)
Allocation by Risk-Weight Category
Application of Other Risk-
Weighting Approaches
28
625% 937.5% 1250%
Credit Equivalent
Amount
Risk-Weighted
Asset Amount
Amount Amount Amount Amount Amount
BHCK H301 BHCK H302
BHCK H303 BHCK H304
BHCK H307 BHCK H308
BHCK H309 BHCK H310
BHCK H198 BHCK H199 BHCK H200
18.
Unused commitments:
(exclude unused
commitments to
asset-backed
commercial paper
conduits):
a. Original maturity of
one year or less ........................................................................................................
16.
17.
18.a.
18.b.
19.
20.
21.
22.
16.
Repo-style
transactions
29
...............................................................................................................
17.
All other off-balance
sheet liabilities
.............................................................................................................
b.
Original maturity
exceeding one
year .......................................................................................................................
19.
Unconditionally
cancelable
commitments
...............................................................................................................
20.
Over-the-counter
derivatives
..................................................................................................................
21.
Centrally cleared
derivatives
..................................................................................................................
22.
Unsettled transactions
(failed trades)
30
.............................................................................................................
28. Includes, for example, exposures collateralized by securitization exposures or mutual funds.
29. Includes securities purchased under agreements to resell (reverse repos), securities sold under agreements to repurchase (repos), securities borrowed, and securities lent.
30. For item 22, the sum of columns C through Q must equal column A.
FR Y-9C
Page 66 of 75
03/2020
Schedule HC-R—Continued
Part II—
Continued
(Column C) (Column D) (Column E) (Column F) (Column G) (Column H) (Column I) (Column J)
Allocation by Risk-Weight Category
0% 2% 4% 10% 20% 50% 100% 150%
Amount Amount Amount Amount Amount Amount Amount Amount
BHCK G630 BHCK S558 BHCK S559 BHCK S560 BHCK G631 BHCK G632 BHCK G633 BHCK S561
X 0% X 2% X 4% X 10% X 20% X 50% X 100% X 150%
BHCK G634 BHCK S569 BHCK S570 BHCK S571 BHCK G635 BHCK G636 BHCK G637 BHCK S572
Dollar Amounts in Thousands
23.
24.
25.
23. Total assets, derivatives,
off-balance sheet items,
and other items subject
to risk weighting by risk-
weight category (for
each of columns C
through P, sum of items
11 through 22; for
column Q, sum of items
10 through 22) ...................................................
24. Risk weight factor ...............................................
25. Risk-weighted assets
by risk-weight
category (for each
column, item 23
multiplied by
item 24)............................................................
FR Y-9C
Page 67 of 75
03/2015
(Column K) (Column L) (Column M) (Column N) (Column O) (Column P) (Column Q)
Allocation by Risk-Weight Category
250% 300% 400% 600% 625% 937.5% 1250%
Amount Amount Amount Amount Amount Amount Amount
BHCK S562 BHCK S563 BHCK S564 BHCK S565 BHCK S566 BHCK S567 BHCK S568
X 250% X 300% X 400% X 600% X 625% X 937.5% X 1250%
BHCK S573 BHCK S574 BHCK S575 BHCK S576 BHCK S577 BHCK S578 BHCK S579
Schedule HC-R—Continued
Part II—
Continued
Dollar Amounts in Thousands
23. Total assets, derivatives,
off-balance sheet items,
and other items subject
to risk weighting by risk-
weight category (for
each of columns C
through P, sum of items
11 through 22; for
column Q, sum of items
10 through 22) ......................................................................
25. Risk-weighted assets
by risk-weight
category (for each
column, item 23
multiplied by
item 24)...............................................................................
24. Risk weight factor ..................................................................
23.
24.
25.
FR Y-9C
Page 68 of 75
06/2020
26.
27.
28.
29.
30.
31.
Dollar Amounts in Thousands
Totals
BHCK
Amount
S580
S581
B704
A222
3128
G641
26.
Risk-weighted assets for purposes of calculating the allowance for loan and lease losses 1.25 percent threshold
31
....................................
27. Standardized market-risk weighted assets (applicable only to holding companies that are covered by the market risk capital rules) ..............
28.
Risk-weighted assets before deductions for excess allowance of loan and lease losses and allocated risk transfer risk reserve
32, 33
...............
29. LESS: Excess allowance for loan and lease losses
34, 35
..................................................................................................................
31. Total risk-weighted assets (item 28 minus items 29 and 30)............................................................................................................
30. LESS: Allocated transfer risk reserve.........................................................................................................................................
31. For institutions that have adopted ASU 2016-13, the risk-weighted assets reported in item 26 is for purposes of calculating the adjusted allowances for credit losses (AACL) 1.25
percent threshold. 32. Sum of items 2.b through 20, column S; items 9.a, 9.b, 9.c, 9.d, and 10, columns T and U; item 25, columns C through Q; and item 27 (if applicable). 33. For institutions
that have adopted ASU 2016-13, the risk-weighted assets reported in item 28 represents the amount of risk-weighted assets before deductions for excess AACL and allocated transfer
risk reserve. 34. Institutions that have adopted ASU 2016-13 should report the excess AACL. 35. Institutions that have adopted ASU 2016-13 and have elected to apply the 3-year or
the 5-year 2020 CECL transition provision should subtract the applicable portion of the AACL transitional amount or the modified AACL transitional amount, respectively, from the
AACL, as defined in the regulatory capital rule, before determining the amount of excess AACL.
Items 26 through 31 are to be reported quarterly by all holding companies.
M.1.
M.2.a.
M.2.b.
M.2.c.
M.2.d.
M.2.e.
M.2.f.
M.2.g.
M.3.a.
M.3.b.
M.3.c.
M.3.d.
M.3.e.
M.3.f.
M.3.g.
M.4.
M.5.a.
M.5.b.
M.5.c
Amount
BHCK
G642
Dollar Amounts in Thousands
1. Current credit exposure across all derivative contracts covered by the regulatory capital rules .....................................................................
With a remaining maturity of
(Column A)
One year or less
(Column B)
Over one year
through five years
(Column C)
Over 5 years
BHCK
Amount
S582 S583 S584
BHCK
Amount
BHCK
Amount
S585 S586 S587
S588 S589 S590
S591 S592 S593
S594 S595 S596
S597 S598 S599
S600 S601 S602
S606 S607 S608
S612 S613 S614
S609 S610 S611
S603 S604 S605
S618 S619 S620
S615 S616 S617
S621 S622 S623
BHCK
Amount
S624
Dollar Amounts in Thousands
2. Notional principal amounts of over-the-counter derivative contracts:
a.
Interest rate.....................................................................................
b.
Foreign exchange rate and gold...........................................................
e.
Equity ............................................................................................
g. Other .............................................................................................
f.
Precious metals (except gold) .............................................................
d.
Credit (non-investment grade reference asset)........................................
3. Notional principal amounts of centrally cleared derivative contracts:
a.
Interest rate.....................................................................................
c
.
Credit (investment grade reference asset) .............................................
b. Foreign exchange rate and gold ..........................................................
e. Equity ............................................................................................
g. Other .............................................................................................
f. Precious metals (except gold) .............................................................
d. Credit (non-investment grade reference asset) .......................................
Dollar Amounts in Thousands
4. Standardized market risk-weighted assets attributable to specific risk (included in Schedule HC-R, item 27)...................................................
c.
Credit (investment grade reference asset)..............................................
5. Amount of allowances for credit losses on purchased credit-deteriorated assets:
2
c
.
Other financial assets measured at amortized cost ..........................................................................................................................
b. Held-to-maturity debt securities ...................................................................................................................................................
a.
Loans and leases held for investment ...........................................................................................................................................
JJ30
JJ31
JJ32
Memoranda
Schedule HC-R—Continued
Part II—
Continued
Memoranda items 1, 2 and 3, columns A, B an C are to be completed semiannually in June and December by holding companies with less than $5 billion 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. Memorandum items 5.a through 5.c should be completed only by institutions that have adopted ASU 2016-13.
03/2021
FR Y-9C
Page 69 of 75
03/2014
FR Y-9C
Page 70 of 75
Schedule HC-S—Servicing, Securitization, and Asset Sale Activities
(Column A)
1–4 Family
Residential
Loans
(Column B)
Home
Equity
Lines
(Column C)
Credit
Card
Receivables
(Column D)
Auto
Loans
(Column E)
Other
Consumer
Loans
(Column F)
Commercial
and Industrial
Loans
(Column G)
All Other Loans,
All Leases, and
All Other Assets
Dollar Amounts in Thousands
Amount Amount Amount Amount Amount Amount Amount
Securitization Activities
1. Outstanding principal balance of assets
sold and securitized with servicing retained
or with recourse or other seller-provided
credit enhancements .............................
BHCK B705 BHCK B706 BHCK B707 BHCK B708 BHCK B709 BHCK B710 BHCK B711
1.
2. Maximum amount of credit exposure
arising from recourse or other seller-
provided credit enhancements provided to
structures reported in item 1 ...................
BHCK HU09 BHCK HU10 BHCK HU11 BHCK HU12 BHCK HU13 BHCK HU14 BHCK HU15
2.
I
tem 3 is to be completed by holding companies
with $100 billion or more in total assets.
2
3.
Reporting institution's unused commitments
to provide liquidity to structures reported in
item 1.................................................
BHCK B726 BHCK B727 BHCK B728 BHCK B729 BHCK B730 BHCK B731 BHCK B732
3.
4. Past due loan amounts included in item 1:
BHCK B733 BHCK B734 BHCK B735 BHCK B736 BHCK B737 BHCK B738 BHCK B739
a. 30-89 days past due ......................... 4.a.
BHCK B740 BHCK B741 BHCK B742 BHCK B743 BHCK B744 BHCK B745 BHCK B746
b. 90 days or more past due................... 4.b.
5. Charge-offs and recoveries on assets sold
and securitized with servicing retained or
with recourse or other seller-provided credit
enhancements (calendar year-to-date):
BHCK B747 BHCK B748 BHCK B749 BHCK B750 BHCK B751 BHCK B752 BHCK B753
a. Charge-offs ..................................... 5.a.
BHCK B754 BHCK B755 BHCK B756 BHCK B757 BHCK B758 BHCK B759 BHCK B760
b. Recoveries...................................... 5.b.
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. The $100 billion asset size test is based on the total assets reported as of prior year June 30 report date.
03/2021
For Federal Reserve Bank Use Only
C.I.
To be completed by holding companies with $5 billion or more in total assets.
1
BHCK HU16 BHCK HU17
6.
BHCK HU18
9.
BHCK B783 BHCK B786 BHCK B787 BHCK B788 BHCK B789
10.
BHCK B790 BHCK B796
11.
BHCK B797 BHCK B803
12.
BHCK B776 BHCK B779 BHCK B780 BHCK B781 BHCK B782
(Column A)
1–4 Family
Residential
Loans
(Column B)
Home
Equity
Lines
(Column C)
Credit
Card
Receivables
(Column D)
Auto
Loans
(Column E)
Other
Consumer
Loans
(Column F)
Commercial
and Industrial
Loans
(Column G)
All Other Loans,
All Leases, and
All Other Assets
Dollar Amounts in Thousands
Amount Amount Amount Amount Amount Amount Amount
6. Total amount of ownership (or seller's)
interest carried as securities or loans .....
7.-8. Not applicable.
For Securitization Facilities Sponsored By
or Otherwise Established By Other
Institutions
9. Maximum amount of credit exposure
arising from credit enhancements
provided by the reporting institution to
other institutions' securitization structures
in the form of standby letters of credit,
purchased subordinated securities, and
other enhancements ...........................
10. Reporting institution's unused
commitments to provide liquidity to other
institutions' securitization structures .......
Asset Sales
11. Assets sold with recourse or other seller-
provided credit enhancements and not
securitized ........................................
12. Maximum amount of credit exposure
arising from recourse or other seller-
p
rovided credit enhancements provided to
assets reported in item 11 ....................
Items 6 and 10 are to be completed by
holding companies with $10 billion or more in
total assets.
2
2. 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.
Schedule HC-S—Continued
03/2021
FR Y-9C
Page 71 of 75
FR Y-9C
Page 72 of 75
Schedule HC-S—Continued
Memoranda
Dollar Amounts in Thousands
BHCK
Amount
1. Not applicable.
2. Outstanding principal balance of assets serviced for others (includes participations serviced for others):
a. 1–4 family residential mortgages serviced with recourse or other servicer-provided credit enhancements ...........................................
B804
M.2.a.
b. 1–4 family residential mortgages serviced with no recourse or other servicer-provided credit enhancements .......................................
B805
M.2.b.
c. Other financial assets
1
........................................................................................................................................................
A591
M.2.c.
d. 1–4 family residential mortgages serviced for others that are in process of foreclosure at quarter-end (includes closed-end and
open-end loans) ...............................................................................................................................................................
F699
M.2.d.
3. Asset-backed commercial paper conduits:
a. Maximum amount of credit exposure arising from credit enhancements provided to conduit structures in the form of standby letters of
credit, subordinated securities, and other enhancements:
(1) Conduits sponsored by the bank, a bank affiliate, or the holding company
2
...............................................................................
B806
M.3.a.(1)
(2) Conduits sponsored by other unrelated institutions
2
.............................................................................................................
B807
M.3.a.(2)
b. Unused commitments to provide liquidity to conduit structures:
(1) Conduits sponsored by the bank, a bank affiliate, or the holding company ................................................................................
B808
M.3.b.(1)
(2) Conduits sponsored by other unrelated institutions ..............................................................................................................
B809
M.3.b.(2)
4. Outstanding credit card fees and finance charges (included in Schedule HC-S, item 1, column G)
2,3
.......................................................
C407
M.4.
1. Memorandum item 2.c is to be completed if the principal balance of other financial assets serviced for others is more than $10 million.
2. 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.
3. Memorandum item 4 is to be completed by holding companies with $10 billion or more in total assets that (1) together with affiliated institutions, have outstanding credit card receivables
(as defined in the instructions) that exceed $500 million as of the report date or (2) holding companies that on a consolidated basis are credit card specialty holding companies (as
defined in the instructions).
Memorandum item 3 is to be completed by holding companies with $10 billion or more in total assets.
2
03/2021
FR Y-9C
Page 73 of 75
Schedule HC-V—Variable Interest Entities
1
1. Assets of consolidated variable interest entities (VIEs) that can be used only
to settle obligations of consolidated VIEs:
a. Cash and balances due from depository institutions ..............................
b. Other liabilities ..............................................................................
a. Other borrowed money ...................................................................
2. Liabilities of consolidated VIEs for which creditors do not have recourse to
the general credit of the reporting holding company:
3. All other assets of consolidated VIEs
(not included in items 1.a through 1.e above)
4. All other liabilities of consolidated VIEs
(not included in items 2.a through 2.b above)
JF92
JF93
K030
K033
2.a.
3.
4.
2.b.
JF85
JF86
JF87
JF88
b. Securities not held for trading ...........................................................
e. Other assets .................................................................................
c. L
oans and leases held for investment, net of allowance, and held for sale
..
d. Other real estate owned ..................................................................
(Column A)
Securitization Vehicles
BHCK
Amount
J981
HU20
HU22
K009
JF91
(Column B)
Other VIEs
BHCK
Amount
JF84
1.a.
HU21
1.b.
HU23
1.c.
JF89
1.d.
JF90
1.e.
Dollar Amounts in Thousands
6. Total liabilities of ABCP conduit VIEs .....................................................................................
5. Total assets of asset-backed commercial paper (ABCP) conduit VIEs .......................................... 5.
JF77
6.
JF78
..........................................
..........................................
BHCK
Amount
Dollar Amounts in Thousands
1. Institutions that have adopted ASU 2016-13 should report assets net of any applicable allowance for credit losses.
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.
03/2021
To be completed by holding companies with $5 billion or more in total assets.
2
FR Y-9C
Page 74 of 75
Notes to the Balance Sheet—Predecessor Financial Items
For holding companies involved in a business combination(s) during the quarter, provide on the lines below quarterly average informa-
tion 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.
Dollar Amounts in Thousands
BHBC
Amount
1. Average loans and leases (held for investment and held for sale) .................................................
3516
1.
2. Average earning assets .......................................................................................................
3402
2.
3. Average total consolidated assets ..........................................................................................
3368
3.
4. Average equity capital .........................................................................................................
3519
4.
Notes to the Balance Sheet (Other)
Enter in the lines provided below any additional information on specific line items on the balance sheet or its supporting schedules that
the holding company wishes to explain, that has been separately disclosed in the holding company's quarterly reports to its sharehold-
ers, in its press releases, or on its quarterly reports to the Securities and Exchange Commission (SEC).
Each additional piece of information disclosed should include the appropriate reference to schedule and item number, as well as a
description of the additional information and the dollar amount (in thousands of dollars) associated with that disclosure.
Example
A holding company has guaranteed a new loan for its leveraged Employee Stock Ownership Plan (ESOP) for $750 thousand and that
amount has increased the holding company's long-term unsecured debt by a material amount. The holding company has disclosed that
change to its stockholders and to the SEC. Enter on the line item below the following information:
TEXT
BHCK
Amount
0000
Sch. HC, item 16, New loan to holding company's ESOP guaranteed
by holding company
0000 750
Outstanding issuances of perpetual preferred stock associated with the U.S. Department
of Treasury Community Development Capital Initiative (CDCI) program included in
Schedule HC, item 23, Perpetual preferred stock and related surplus (for Subchapter S
corporations, outstanding issuances of subordinated debt securities associated with
CDCI included in Schedule HC, item 19.a, Subordinated notes and debentures)
Notes to the Balance Sheet (Other)
TEXT
Dollar Amounts in Thousands
BHCK
Amount
1.
1.
K141
6.
B027
5.
5360
4.
5359
3.
5358
2.
5357
2.
3.
4.
5.
6.
B027
5357
5358
5359
5360
03/2018
FR Y-9C
Page 75 of 75
Notes to the Balance Sheet (Other)—Continued
TEXT
Dollar Amounts in Thousands
BHCK
Amount
7.
B028
B028
7.
8.
B029
B029
8.
9.
B030
B030
9.
10.
B031
B031
10.
11.
B032
B032
11.
12.
B033
B033
12.
13.
B034
B034
13.
14.
B035
B035
14.
15.
B036
B036
15.
16.
B037
B037
16.
17.
B038
B038
17.
18.
B039
B039
18.
19.
B040
B040
19.
20.
B041
B041
20.
03/2003
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Holding CompaniesFR Y-9C Consolidated Financial Statements for (Federal Reserve Bank)

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